There is a wide variety of plastic cards, including specialized ones designed for specific categories of citizens. These include Visa Classic youth card of Sberbank.

A debit card is issued from the age of 14. For payment system Visa bank does not issue loan product such a level. The uniqueness of the card for young people is the age limit. It can be issued only by a citizen of the Russian Federation who is not yet 25 years old.

Plastic is issued in the same way as a regular Visa Classic, for 3 years. And maintenance is many times cheaper and amounts to only 150 rubles a year.

One of the advantages of plastic is that a year of service costs 150 rubles, and for classic Visa cards - 750 rubles.

The youth card from Sberbank Visa is characterized by the following conditions and opportunities:

• Withdraw funds from cash desks and ATMs in the country and from subsidiaries abroad without charging a commission.
• Pay for your purchases at points of sale.
• Carry out transactions over the Internet. For online purchases, you need to confirm your actions. This happens with the help of a message received from the operator and containing a code.
• Opportunity to use Visa offers.
• Accumulate Thank you, which are credited for purchases at special points (from bank partners -). These redemption points can then be redeemed for new purchases.
• The ability to connect remote services to manage and control your account (Mobile and Internet banking).
• Receive advice and perform a number of actions with the help of Contact Center specialists (by).

Issuing a Molodezhnaya card in Sberbank

To receive a debit plastic, you will need to go through the following procedure:

1. Visit branch. Write an application, according to the provided sample, enter personal and passport data (the presence of a document is required).
2. Wait 3-15 days. Time is needed for the preparation of documents and the name card itself.
3. The bank employee will inform about the readiness of the plastic product by calling or texting the phone.
4. Visit the branch and pick up the finished card.

In the absence of citizenship or registration, difficulties may arise, therefore such situations are resolved on an individual basis.

The bank's website provides for the submission of an online application for plastic processing. To do this, you need to do only 3 steps:

1. fill out an application, indicating your personal data;
2. indicate the data of the passport;
3. indicate the address of issue of plastic.

Participation in the bonus program Thank you

Sberbank Youth Visa cardholders, like all other customers, are eligible to participate in the bonus program. Thank you.

When paying for purchases of goods and services, points are awarded to the owners of these plastics in the following order:

• 0.5% from Sberbank;
• up to 20% from the partner companies of the program (their list can be found on the website of the institution).

At the moment, there is an updated version of the program, which involves several levels. Depending on the level, the participant receives various privileges. To obtain them and move to a higher level, you need to complete several tasks (mandatory and optional). When moving to a higher level, the participant is awarded an increased number of points.

Visa cardholders of Youth Sberbank have certain advantages over other participants. For them, more loyal accruals of points are provided. For most participants, the minimum level is Thank you, for young people, Thank you very much.

You can find out your level in the program section of Sberbank Online or in the mobile app.

How to put money on the youth card?

Visa Sberbank Youth is a debit card, so you can replenish it by any means:

1. Top up your account through a cash-in ATM.
2. Apply for a scholarship card.
3. Transfer a scholarship from the card of another institution.
4. Receive transfers from cardholders of the issuing bank.

The advantage of using a card is the ability to perform almost all of these actions via SMS or in another remote way (), using Mobile Banking or Internet Banking. To get a little more features, you can access your Cabinet. To do this, you need to contact an employee in the department or a specialist by phone and they will issue a personal identifier. Using the service allows you to receive data on the state of the account, ongoing operations and perform transfers, transfers, replenish mobile numbers, etc.

Types of Visa cards for youth

The issuance of the Visa Classic Molodezhnaya card from Sberbank has been discontinued since 2017. At the moment, the bank issues 2 debit plastics of a similar format of the Visa payment system - Youth and Youth with a design to choose from.
The latter option is suitable for creative young people who value individuality in everything. The banking institution offers 200 design options. The cost of the service for issuing a card in an individual design is 500 rubles.

Now consider all the parameters of both plastics. They are identical for both products:

1. price annual service- 150 rubles;
2. account currency - rubles;
3. issuance of an additional card is not provided;
4. validity period - 3 years;
5. plastics use contactless payment technology;
6. the possibility of paying by phone;
7. allows you to pay abroad.

By cards installed daily limit for cash withdrawals - 150 thousand rubles, per month - 1.5 million. When cashing out in the allowable limit through ATMs and cash desks of the bank, no commission is charged. If the limit is exceeded, the commission fee is 0.5% of the withdrawn amount. When cashing out at cash desks and ATMs of other banking institutions, the commission is 1%.

In addition, tariffs for other services are set:

• reissue of the card after the expiration of the validity period is provided free of charge;
• in case of unscheduled reissue (change of personal data, loss or theft of plastic) - 150 rubles;
• receipt of an extract for the last 10 transactions - 15 rubles;
• checking the balance in payment terminals of other banks - 15 rubles. per request;
• information about the balance in the bank or via e-mail - free of charge;
• SMS notifications are free.

As a product, Visa Classic Youth (Sberbank) receives mostly positive reviews.

Use of specialized Sberbank cards, including debit visa classic youth is useful primarily for those for whom they were developed - bonuses and privileges will be applied in full.

A detailed overview of the conditions for using and issuing a card for young people (video)

Advantages and features of plastic for young citizens.

Conclusion

Leading Russian bank interested in attracting new customers. One of the options for expanding the client base is to issue special cards for young people, which take into account the capabilities and requirements of Russians from 18 to 25 years old.

Sberbank cares about its young clients, cares about their safety and comfort, therefore it offers youth cards for clients from 14 to 25 years old at special rates with a special range of interesting programs and profitable services. For younger people, there are special children's cards from Sberbank. Today we will look in detail what are the benefits, what is the peculiarity of these cards and how to get them.

So, Sberbank of Russia issues debit and credit youth cards for its young clients. When issuing a card, you can choose one of the two proposed payment systems: Visa or MasterCard.

Debit Card 14+ and Debit Card 18+

Why do you need a debit card?

• You can get a scholarship or a salary for it. To do this, just contact the accounting department of your educational or working organization and provide them with your bank card number;
• the card account can be replenished in various ways (cash through an ATM, online transfer from other Sberbank cards or from cards of third-party banks, transfer by card number through an operator at a Sberbank branch, replenishment from the phone);
• you can withdraw cash from the card without commission in a wide network of ATMs throughout Russia, as well as in subsidiary banks abroad;
• the card can be used to pay for purchases and services both in various establishments and via the Internet;
• using the card, you can replenish the balance of a mobile phone, pay for the Internet or utilities;
• You can control the state of the card balance through SMS notification, through the Internet bank or mobile bank.

IMPORTANT: the difference between youth cards 14+ and 18+ is that an 18+ card can be used in a salary project from an employer and is issued working organization employees over the age of 16 for payroll purposes. The 14+ youth card can also be used for payroll, but the cardholder must independently go to the accounting department and express their desire to accrue the earned funds to it.

Terms, rates and service

• the age of the holder is from 14 to 25 years;
• card currency - rubles;
• the card is valid for 3 years;
• annual service - 150 rubles, which is 5 times cheaper than other services debit cards Sberbank;
• free reissue (both upon expiration and early at the request of the client);
• free Additional services(we will consider below);
• the ability to connect Internet banking and mobile banking (for an additional fee);
• service 24 hours 7 days a week in the Internet bank "Sberbank Online".

Benefits and profitable programs

• easy and instant replenishment of the phone balance without commissions. To do this, send an SMS to number 900 with the content "50", where 50 is the amount of replenishment;
• the possibility of transferring funds by phone number, so remembering or knowing the card number is not necessary. To do this, you need to send 900 SMS to a short number in the form “Transfer 9ХХХХХХХХ 500”, where 500 is the transfer amount in rubles.
• discount programs and special offers from Visa and MasterCard;
• round-the-clock customer support through the Sberbank contact center;
• the possibility of linking the card to electronic wallets;
• the possibility of ordering a card from individual design. The cost of the service is 500 rubles. You can choose a design on the Sberbank website in a special gallery, or upload your own image.

  IMPORTANT: a card with an individual design can become exclusive and unique in the world, so this opportunity is often used by young creative people.

  The design you have chosen may be rejected by Sberbank employees if it does not meet the parameters of the bank's solid reputation;

• bonus program "Thank you" from Sberbank. This program is very popular and allows you to return up to 10% of your purchases in the form of bonuses, which can then be spent on a new purchase. For example, if a purchase for the amount of 500 rubles is paid not in cash, but with a youth card, 50 bonus points. 1 point - 1 ruble. In the future, these points can be used to pay for new purchases.

  IMPORTANT: the "Thank you" bonus program must be activated via SMS service by sending a message to number 900 in the form "Thank you XXXX", where XXXX is the last 4 digits of your card.

Disadvantages of the youth card

• age limit of cardholders - only up to 25 years;
• the cost of servicing a mobile bank is 60 rubles, which is twice the standard cost.

How to issue a card?

A debit youth card can only be issued by citizens of the Russian Federation aged 14 to 25 who have a permanent residence permit on the territory of the Russian Federation. You can do this in two ways:

• go to the nearest branch of Sberbank with a passport, sign the application. The card is issued and delivered within 3-14 days;

• leave an application for issuing a card on the official website. To do this, you must fill out a special form. The application will be reviewed by the bank's specialists within 2 days. The staff will then contact you the specified number phone and inform further algorithm of actions. You will need to show up for a card at a branch of Sberbank with a passport.

Credit youth card 21+

Sberbank offers its young clients over the age of 21 to apply for a youth credit card on special favorable terms, namely:

• revolving credit limit on the card from 15 to 200 thousand rubles. As soon as the amount of credit debt is repaid, the credit limit is restored;
• Grace period– 50 days. You can make a purchase using a credit card and not pay interest on the loan if the amount of the debt is fully repaid within 50 days;
• interest rate on credit – 33.0%;
• the cost of annual card maintenance is 750 rubles;
• the validity of the card is 3 years.

IMPORTANT: when withdrawing cash from a credit card, the grace period does not apply.

A youth credit card has the same advantages and special programs as debit cards: instant replenishment of a mobile account, replenishment of a card in various ways, cash withdrawals, shopping in stores and via the Internet, participation in the Thank You program from Sberbank, various discount systems, SMS notifications about all transactions made on the card, round-the-clock service through the contact center.

How to get a youth credit card?

A youth credit card is issued to citizens of the Russian Federation with a permanent residence permit, aged 21 to 25 years. It can be issued to both working and non-working students.

Step 1. You need to issue online application to a credit card on the official website of Sberbank, or write an application for a credit card at any branch of the bank, providing the following documents:

• the passport;
• certificate 2-NDFL confirming income for the last 6 months (a certificate can be obtained from the accounting department at the place of work);
• certificate of scholarship (only for full-time students under the age of 24, issued by the dean's office of the educational institution).

Step 2. The bank will consider the application within two days and inform about the decision made by contacting the phone number indicated as contact details.

Step 3. On the appointed day (the bank will notify you additionally by phone call or SMS), you need to come to the bank branch and pick up the card.

IMPORTANT: commission for withdrawing cash from a credit card at ATMs of Sberbank and partners - 3%, at ATMs of third-party banks - 4%.

Please also note that one request for recent credit card transactions, both at Sberbank ATMs and at third-party ATMs, will be charged an amount of 15 rubles. More information about youth service tariffs credit cards can be found on the Sberbank website.

Youth cards enable modern boys and girls to save time, plan a budget, keep track of all card transactions and, if necessary, quickly receive or send money. Special discount programs and the “Thank you” program allow you to save money, and a credit card gives confidence in the future, because money is always at hand if necessary, and you do not need to pay interest on using a loan (during the grace period). Cards are issued quickly and easily, you only need to present a passport and a certificate of income or scholarship (to obtain a credit card).

sbankin.com

Youth card from Sberbank

Sberbank of Russia is the first financial institution, which made it possible to manage financial accounts not only for adult citizens of our country, but also for teenagers. We are talking about a youth card, it is available for the younger generation and is not much different from classic plastic cards. Surely not everyone knows what a youth card from Sberbank is, so it makes sense to consider it in more detail.

Types of cards

Any teenager over the age of 14 can become the owner of this banking product. At the moment, Sberbank of Russia offers three options for young people: 14+, 18+ and 21+. That is, they can be issued, respectively, from the age of 14, 18 or 21 years.

For minor customers, only debit cards are available, that is, the user can only dispose of own funds without the possibility of an overdraft. From the age of 21 you can get a credit card, not only for working young people, but also for students.

Debit Youth Card

The Sberbank youth debit card is an advantageous offer for young people; young people aged 14 to 25 or 18 to 27 can become its owners. Users this product can dispose of personal funds credited to the card account at their own discretion: withdraw cash, pay for purchases in stores.

Maybe not everyone fully understands why a bank card is needed for young people, although in fact it is a very useful tool, and there are several reasons for this:

1. Firstly, the funds on it are reliably protected, because the plastic card is equipped with a chip, so third parties will not be able to use it.
2. Secondly, the money stored on the account cannot be lost, even if it is lost. plastic card, it can be reissued at a bank branch.
3. Thirdly, you can remotely pay for a mobile phone, goods and services on the Internet, and much more, while withdrawing cash is not a problem, because in any city there are quite a few ATMs operating around the clock.

The teenager himself can fill out the application directly, for this he needs only a passport and a questionnaire.

How to apply for a youth card? Everything is quite simple, you need to apply with a passport to any branch of Sberbank, the only requirement for the client is registration in the region of application and citizenship of the Russian Federation. To become the owner of this product, you just need to fill out a questionnaire, and you can do it on the official website of the bank. When the card is ready, the applicant will receive an SMS notification with a notification.

The owner of this product can use the service of remote management of his account, that is, Mobile Banking and Sberbank.Online. In addition, students and working teenagers have the opportunity to receive wages, scholarships and other payments through Sberbank.

Terms of Service and Tariffs:

• annual service - 150 rubles;
• international payment systems - Visa or MasterCard;
• validity period - 3 years;
• reissue at the end of the validity period - free of charge;
• reissue in case of loss - 150 rubles;
• bonus program "Thank you from Sberbank";
• individual design - 500 rubles.

Please note that the commission for cash withdrawals through cash desks and ATMs of Sberbank of Russia is not provided for youth debit cards 14+ and 18+.

You can use the payment instrument to pay for purchases and withdraw cash in Russia and abroad. For youth card holders, bonuses and discounts are available from the international payment systems Visa and MasterCard, the Thank You from Sberbank bonus program, Mobile bank, Sberbank.Online and the Autopayment service. Customers of this bank have access to round-the-clock remote telephone service hotline.

Card 21+ with credit limit

Young people over the age of 21 can use the credit limit. A credit card is available for working citizens, as well as students, for its registration, proof of monthly income is required. How to apply:

• contact the nearest branch of Sberbank in the region of registration;
• fill out a card issue form;
• provide income statements for the last six months, wages or scholarships.

You can send an application for a plastic youth card online on the official website of the bank.

The lender will notify the client of its decision via SMS, and it will take 2 working days to review the questionnaire. It is difficult to answer unequivocally how much a Sberbank youth card is being made, the average time is 2 weeks. The manager of the company will inform you about its readiness by contact phone.

Terms of use and tariffs:

• the cost of maintenance for the year - 750 rubles;
• credit limit from 15 to 200 thousand rubles, determined individually;
• interest rate on the loan up to 33.9% per year;
• grace period - 50 days (does not apply to cash withdrawals);
• validity period - 3 years;
• cash withdrawal from an ATM - from 390 rubles or 3% of the amount;
• international payment systems - Visa or MasterCard.

Individual design

Bank customers can get a card with a unique design, this service is paid, its cost is 500 rubles. The Sberbank youth card can be issued in a classic version or at the choice of the owner with the original image on front side. The bank's website has a database with images, where the user can make a choice or upload an image from his computer.

There are several requirements for images that are prohibited:

• images of alcoholic products and tobacco products;
• flags of other states;
• pictures of pornographic content;
• frames from films or cartoons;
• celebrity images;
• photos and pictures downloaded from the Internet and protected by copyright;
• image of people in uniform;
• bills and coins;
• text and numbers.

It will take a little longer to issue a card with an individual design than a classic one.

Pros and cons

The great advantage of the product is precisely that it is available to unemployed young people, even to schoolchildren. Credit funds are provided from the age of 21, even to a non-working student. You can use a credit card up to 30 years.

There are a few other clear benefits:

• the account can be linked to an electronic wallet, which is convenient for freelance students;
• high degree of protection of personal and borrowed money;
• young people can use all the services of Sberbank;
• SMS informing is free of charge.

Of the negative aspects, this applies to credit cards - the absence of an interest-free period for cash withdrawal operations, a high interest rate on a loan, a commission for cash withdrawals. In addition, not all unemployed students have access to a high credit limit, that is, it is almost impossible to get 200 thousand rubles even for working citizens.

Details can be found on the official website, namely, what is a Sberbank youth card, everything about it and its maintenance, as well as the conditions for registration. Also on the bank's website there is a huge collection of images for individual design, and detailed information about bonus programs and privileges.

znatokdeneg.ru

Sberbank youth card: overview, conditions for obtaining, main features

You can become the owner of a bank account from the age of 14. It is at this age that the Sberbank Youth Card is issued as the main one. It is debit, and was created for the comfortable disposal of personal funds. From the age of 21, the bank allows you to issue a Youth credit card. Both types of cards have favorable terms of use for young people.

More about the Molodezhnaya card

This card has three varieties, which depend on the age of the applicant:

• 14-25 years old;
• 18-25 years old;
• 21-30 years old.

In the first two cases, the cards are debit. The third type is credit.

Debit cards don't make much of a difference. They have similar conditions of registration and use. It is convenient to store personal funds of the owner on such accounts.

With the help of a debit plastic card, you can also perform various transactions:

• Accept a salary or stipend. To do this, it is enough to provide your account number to the accounting department of an educational institution or enterprise.
• Top up the card with everyone possible ways: using online transfers from other cards and accounts, through an ATM, through a bank branch.
• Convenient replenishment of a mobile account without any commissions. For the procedure, you need a phone with an online Sberbank application. If this resource is not connected, you can use SMS banking. It's not hard to set it up yourself.
• Interest-free cash withdrawal from an account at any Sberbank ATM.
• Payment for any services and online purchases.
• Control over the expenditure of funds using banking or mobile banking.

From the age of 21, you can also get a Youth credit card. It has a grace period of up to 50 days. The rate is 33%, and the cost of maintenance for the year is 750 rubles. To receive, you need proof of income - for example, a certificate of receipt of a scholarship. For the first loan, the bank allocates a maximum of 15 thousand rubles.

The features of a credit card are completely similar to those of a debit card. The only difference is the conditions for cashing out funds. For this operation, you will have to pay a 3% commission if you withdraw money at the terminals of Sberbank, and 4% if at the terminal of another bank.

Advantages of the "Youth" card

The youth debit card is known for several significant advantages:

1. Card service is 5 times lower than others - only 150 rubles. for a year;
2. Ability to use MasterCard or Visa;
3. Card validity period - 3 years;
4. Free renewal after the end of the period;
5. Free connection to mobile banking.

You can also connect the "Thank you" bonus program, with which up to 10% of the total amount of purchases is returned. Bonus money is for new acquisitions. One earned bonus is equal to 1 promotional ruble. Many reputable stores and services support this program.

In addition, the user has access to round-the-clock service in the Sberbank Online Internet system and all types of money transfers.

Many young people earn money on the Internet. To quickly and conveniently receive well-deserved fees, you can link your card to electronic wallets. Another opportunity to order a card with a unique design - you can choose it from the existing gallery in the bank or offer your own version. The service is paid. It costs 500 rubles.

In the modern financial services market, issuing debit cards for children/teenagers is a fairly popular product. And convenient for parents who no longer have to give out a certain amount of pocket money every day. It is easier to transfer money to a card, especially since it is possible to issue plastic with reference to your own card.

Such a financial product is included in the basket of the most popular services from Sberbank. The Molodezhnaya card, according to experts, is among the top five debit plastic cards for people aged 14–25. It is worth considering this proposal in more detail and studying all the pros and cons of the Sberbank Youth Card. Is it worth ordering it and how best to do it?

The youth card from Sberbank has a lot of advantages

Sberbank youth card: all about it

Ten years ago, not all of our citizens owned plastic cards, and now this product is issued even for young children. But why does a minor need a complex financial and payment instrument? According to psychologists, owning your own plastic teaches young people to be financially literate and responsible. For these purposes, the debit Youth card of Sberbank was created, and it has already been able to make life easier for many parents.

The Youth card is issued on the basis of two payment systems: MasterCard-Standart and Visa-Classic, it can be both debit and credit.

Types of plastic created for children

Feedback from parents who have already taken advantage of this offer speaks of the Youth Card as a fairly convenient product that makes it easy to operate to pay for services / goods both on the Internet and in retail stores. This type of plastic is nominal and has three years of validity, standard for Sberbank. For students studying at universities, owning plastic is also convenient for transferring scholarships there (to order such a service, you only need to fill out an application at the dean's office with the provision of card details). The youth card also provides for participation in the Thank You bonus campaign with an increased accumulation of cashbacks.

Children's card 7+

This type of plastic is considered secondary and is tied to the parent card. The main feature of the 7+ card is reduced tariff rates. It is intended only for:

• making non-cash payments;
• payment of child benefits.

A children's debit card is issued in the name of the child in accordance with the current legislation of Russia (clause 28 of the Civil Code of the Russian Federation), which refers to the right of a minor to make small household transactions, including making purchases.

Card for teenagers 14+

Teenagers who have already reached the age of 14 and have acquired a passport can order a debit card without parental consent. Registration of this financial product requires only an identity card. Users of such plastic can freely dispose of the funds allocated to it. Including:

• withdraw cash;
• pay for completed purchases.

Finances transferred by parents to a 14+ card are reliably protected from unauthorized withdrawal (the card is equipped with a special chip). Therefore, even if the card is lost, the money on its account will remain intact. You can withdraw funds in any city, which is very convenient if a teenager is traveling. With its help, you can pay for mobile, Internet, purchase various goods. The period until which age a teenager can use this card is 21 years.

Card for boys/girls 21+

And starting from this age, you can already draw up Youth credit cards. This financial product, like the debit one, participates in the cashback program Thank you. Credit limits for this financial product are up to 600,000 rubles. And to find out how much the annual service costs, it is better to study the following list, which contains all the conditions for the release of plastic:

• validity period: 3 years;
• interest rate: 23.9–27.9%;
• concessional lending: 50 days;
• annual service: up to 750 rubles;
• payment systems: MasterCard and Visa;
• cash withdrawal at ATMs: 3% of the total amount.

If you fall into the period of promotions that Sberbank holds annually, you can get a Youth Card with free service during the first year of plastic validity.

The advantages of grace time lending are the absence of interest for the use of borrowed funds. But for this it is necessary to repay the credit card debt in a timely manner throughout the entire duration of the interest-free loan (50 days).

Service cost

For those parents who wish to provide minors with access to a current (main) account, it is possible to set spending limits (for non-cash expenses). To do this, you should write a corresponding application at the Sberbank office. For category 7+ children's plastic, adults can fully monitor and control everything financial operations from personal account (personal account) Sberbank-Online.

But you should know that parental control ends when plastic 14+ is issued. In this case, the debit card already becomes the property of the young person and it is already issued as the main one. The cost of maintenance of Youth cards (services) is as follows:

• annual service: 150 rubles;
• mobile bank: 60 rubles per month;
• use of the mobile application: free;
• transfers between cards: free of charge (within the banking system);
• replenishment of the account by SMS: depends on the services provided by mobile operators.

Procedure for issuing a financial product

You can order and issue a Youth Card in two ways:

1. Visit the office of Sberbank.
2. Apply to LC Sberbank-Online.

Through office visit

To give the child the opportunity to independently manage finances, parents should visit any Sberbank branch and fill out the required application. Teenagers who have a passport can do this on their own, without the presence of their parents. As soon as the plastic is ready, the bank will notify the recipient of the SMS.

The finished Youth card will wait for receipt within 30 days, after which it will be destroyed. It is allowed to use plastic immediately after activation and payment for the first year of use.

Order plastic online

Many users claim that it will be much more convenient to issue a Sberbank-Online Youth Card (on the personal page of the site). To do this, use the following instructions:

1. Log in to Internet banking.
2. Go to the "Debit Cards" subsection.
3. From the ready-made list of cards offered for registration, select and mark the required one. Then click on the "Finish" button.
4. Then you need to enter all the data on the proposed questionnaire. At this stage, you can choose the design of the future plastic.
5. After double-checking all the data, send the application and wait for its execution.

As soon as the plastic is ready, the applicant will receive an SMS notification. After that, you should go to the bank branch with a passport, money to pay for the first year of service and a package of documents that confirm solvency (these certificates will be required to receive a credit card). After checking the documents, the card is issued to the recipient.

To find out how much the Sberbank Youth Card is made via the Internet, it is worth considering the peculiarity of the ordered product. In particular:

• ordinary cards received at the central office: up to 5 working days;
• plastic with an individually applied design coating: up to 14 banking days;
• the longest time is to make plastic, which has to be picked up from local offices (delivery to the branch is taken into account, which takes up to 7 working days).

Pros of using plastic

Ordering a Sberbank-Online Youth Card or taking advantage of a similar offer at a bank office is acquiring a financial assistant for personal use, which has a number of undeniable advantages. In particular, the main advantages of such plastic are the points that we will describe below.

Ability to create custom coverage. Sberbank, when ordering a Youth Card, allows users to issue plastic with a variety of design coatings. You can choose a card cover from an existing photo gallery or upload your own image (even a personal photo). The cost of this service is 500 rubles. Sample how customized plastic looks like:

Participation in the cashback program. After activating the received card, the first thing to do is to connect to the bonus program Thank you from Sberbank. In this case, with each non-cash payment for plastic, bonus points will be credited to the owner’s individual account. With their help, you can pay for part of the purchases up to 99% of the total cost. Each point is equal to one ruble spent.

Contactless payments. This service allows you to make payments for any services and goods without the mandatory entry of a PIN. This significantly saves time for transactions and increases security (with this use, no one will be able to peep the plastic code).

The following points can be attributed to the significant advantages of working with the Molodezhnaya card:

• the ability to bind plastic to E-wallets;
• participation in various promotions and programs held by Sberbank;
• free cash withdrawal and replenishment of an existing account;
• protection of purchases made using the 3D-Secure program;
• remote account management (via mobile banking and Sberbank-Online);
• Auto payment service (it can be used for regular payment for the use of the Internet, telephone, utility bills).

Cons of the card

According to customers, the age limit is one of the disadvantages of using such a financial product. Plastic is available only to customers in the age category up to 25 years. Also, some are confused by the rather high payment for services. mobile bank(60 rubles monthly).

How to close the Youth card

To refuse to use this product, you should know about some rules of such a procedure. In particular, the actions performed by the algorithm:

1. Personally visit the office with a passport and make an application for closing an account.
2. Withdraw the balance of money or transfer it to another card.
3. Wait for the official notification of the closure of the card and the termination of its service.
4. Then transfer the plastic to an employee of the bank for destruction.

In case of unforeseen force majeure circumstances, experts recommend saving the received bank document on closing the account. If you plan to close the children's card, then parents can do this directly in the Sberbank-Online personal account. You need to go to the "Close card" section and confirm the action with a one-time captcha (it will be sent in an SMS message). The card will become invalid and can be destroyed.

conclusions

Such a financial product as the Youth card from Sberbank is fully adapted to all the needs of the younger generation. One has only to study the reviews of young plastic holders. It is quite affordable at the cost of annual maintenance and allows you to perform the most popular cash transactions. It is worth considering the increased security of plastic, and the possibility of making payments both at retail outlets and via remote access.

The youth card is a full-fledged financial product with an existing chip, which can be used to make non-cash payments for cash withdrawals through ATMs and terminals. But it is worth remembering that, despite the increased protection, you should use the card responsibly and carefully. No need to once again "shine" the entered PIN, the available details indicated on the plastic (features CVV / CVC codes). Only in this case, the Molodezhnaya card will become a real helper and give the owner convenience and benefit.

In contact with

Sberbank's service portfolio includes proposals that take into account the interests of all segments of the population and their needs. Among the most interesting offers for young customers are special plastic cards issued specifically for this age group. The Sberbank youth card suggests the possibility of choosing one of three varieties, based on the age of the client: over 14, 18 and 21 years old.

Depending on the needs of customers, plastic can be debit and credit. Description of parameters contains profitable terms service and a wide range of uses. A separate advantage is the low cost of servicing international Visa and Mastercard cards, which work not only within the Russian Federation, but also abroad.

Types of youth cards

Responding to the modern needs of citizens, the Sberbank youth debit card is issued at the independent request of young clients. To become a holder of a youth card from the age of 14, it is enough to be the owner of a Russian passport, which is first issued at this age.

At the choice of young customers, the card is available in a classic version or with an individual design. Depending on the age of citizens, the right to choose the issue of a debit or credit option is assumed:

1. Debit plastic for storing and using own funds in settlements can be issued without waiting for the age of majority, from the age of 14.
2. A credit card becomes available upon reaching the age of 21, while there are no special requirements for employment. A line of credit can be negotiated even for full-time students.

Separate advantages of the program of cooperation with youth in 2018 are the provision of wide functionality, participation in bonus programs and promotions supported by Sberbank and international payment systems Visa and MasterCard.

Debit plastic covers the co-operation of clients of age groups up to 25 years or in the range of 18–27 years.

It is worthy of special attention to ensure a high level of protection of funds from unauthorized access by outsiders. The youth card from Sberbank Visa is equipped with a special chip. For this reason, even the loss of plastic bears minimal risks of losing funds on the holder's balance. In the future, when contacting the nearest branch financial institution re-release is organized.

Thus, starting from the age of 14, a young citizen has access to the widest opportunities for self-management of his own savings, and the special presence of parents at a bank branch when applying for an issue is not required.

The peculiarity of the proposal lies in the maximum ease of design and use of plastic. To issue a classic debit card, you only need a passport. Making a credit card is a little more complicated due to the need to conduct a simplified verification of the candidacy of a potential borrower.

The scheme for organizing the issuance of debit plastic is presented in three steps:

1. Visiting the office with a passport of a citizen of the Russian Federation (after 14 years this document everyone is obliged to receive) at the place of permanent registration.
2. Drawing up a questionnaire for a Sberbank client (this step can be completed online in advance from the official Internet resource of the Security Council of the Russian Federation).
3. Receipt of the product after a preliminary SMS notification of its readiness (the notification is sent to the phone number specified in the application form).

After issuing the card, the holder can freely manage his finances within the limits of the account balance through the Sberbank Online service or a mobile bank. The operating conditions of the card allow using the card to receive transfers from individuals, employers, government organizations.

Sberbank has developed the following conditions for the use of a plastic product for youth:

1. The maintenance fee is only 150 rubles for 1 year.
2. The opened card is valid for 3 years from the date of issue.
3. You can reissue the card at the end of the validity period free of charge.
4. Emission for replacement in case of loss or theft - 150 rubles.
5. For those wishing to have a card with visual differences, an individual design is offered with an additional payment of 500 rubles per issue.
6. Withdrawal of funds by debit plastic is free of charge.

The holder of the plastic in the process of use opens up the possibility of free management of funds in the Internet space. To do this, the bank provided the opportunity to work with mobile banking and Internet banking. Students, students, as well as working youth can pay with a card in any corner of the country, as well as during long trips to foreign countries.

With the achievement of 21 years, young people get the opportunity to get loans, having a certain amount of the agreed limit of bank funds. The bank puts forward a minimum set of requirements that the future holder of credit plastic must meet:

1. The presence of official income, confirmed by a certificate from the employer or educational institution (if the income is a scholarship). The document must reflect information on earnings for the last six months.
2. Submission of an application is possible only in the region of the bank's presence if the applicant has a permanent residence permit.

The process of considering the candidacy takes no more than 2 working days, followed by notification of the citizen about the decision. The period allotted for issuing a youth credit card depends on the remoteness of the place of circulation, other circumstances, and on average does not exceed 14 days.

How much is the card

The future plastic holder should ask the service manager about the timing of receiving the card. The specialist of the department will tell you how to check the readiness status of the plastic, based on specific circumstances:

1. If you have access to Internet banking, you can find out about readiness through your Personal Account.
2. Via SMS notification to the linked mobile number.
3. Come to the office in person by the appointed date.

As a rule, Sberbank plastic is issued quite quickly, within a few days. However, a custom design can take up to 3 weeks or more.

How much does a Sberbank youth card cost

For young people, mobility, speed, a wide range of opportunities and benefits are primarily important. If a standard issue is free of charge, then the desire to individualize the appearance of plastic entails costs - an issue in your own design will cost 500 rubles.

In the future, the tariff for servicing the card for young people will be the same and will amount to 150 rubles, which is significantly more profitable design ordinary "adult" plastic.

When planning to order an individual design, the customer should keep in mind the established ethical framework that must be observed: any image can be applied to plastic, with the exception of pictures with alcoholic products, pornographic content, and other images protected by copyright.

Attracting borrowed funds involves possible additional costs, based on the established lending rules:

1. The limit of funds is not more than 200 thousand rubles (at the discretion of the financial institution).
2. The rate for the use of the borrowed amount is 33.9 percent on an annualized basis.
3. You can avoid interest overpayment with proper use of the grace period - during the 50-day period for using a loan in a non-cash way, followed by a quick repayment of the debt, no interest is charged.
4. If the borrower decides to withdraw money from the terminal, the commission will be 390 rubles or 3 percent of the amount.

When collecting information on the price of servicing a youth banking product, it must be remembered that the tariff of 150 rubles per year is set purely for debit plastic.

The holder of a credit card should be prepared to pay 750 rubles for annual maintenance.

It is difficult to list all the advantages of youth plastic. In addition to receiving the right to freely pay in stores, young citizens get the opportunity to spend their first savings, as well as manage funds through mobile app or the internet. Joining the Thank You from Sberbank program allows you to receive additional benefits in the form of accumulated discount points from a wide network of partners.

The restrictions include only the age of credit card holders - it cannot exceed 30 years. There are also some terms and conditions for using the credit and debit options.

Assessing the pros and cons of the terms of customer service, it becomes obvious that Sberbank has provided for all the basic needs for cashless spending, including the possibility of lending for those who apply for a loan for the first time and have a zero credit history.

Young people who are under 25 years old can order a special card from Sberbank, provided on special conditions:

• annual service costs 150 rubles. - this is 5 times less than for using a regular Visa Classic;
• the ability to issue a card to minors;
• for the first 2 months "Mobile Bank" is provided free of charge;
• inability to issue an additional card;
• from payment systems, you can choose Visa or MasterCard;
• connection to the Thank You program.

Important: the bank account of the youth card supports only the national currency.

The main differences between a youth card and a regular card are a reduced rate for annual use, as well as some age restrictions. Customers can choose from three card options:

• debit;
• debit card with original design;
• credit.

Cardholders can withdraw and deposit cash, pay for goods and services directly or in online stores, top up their mobile account or transfer money to other Sberbank customers.

Sberbank youth debit card

The debit card is actively used by teenagers and young people to receive social payments, scholarships, salaries, income from part-time work on the Internet or financial transfers from relatives.

With debit youth you can:

• deposit and withdraw cash without overpayments within the limit (per day - 150 thousand rubles, per month - 1.5 million);
• inquire at the bank or e-mail free account report;
• pay for purchases with a smartphone with applications Apple Pay or Android Pay;
• receive discounts in partner stores;
• return bonuses to the account from 0.5 to 10% of purchases;
• 2 months to use "Mobile Bank" for free, after - for 60 rubles a month.

The cost of maintenance, as noted earlier, is 150 rubles. in year.

Reference: after 2 months, you can change the standard "Mobile Bank" to "Economy Package", which does not require SMS notifications, but is provided free of charge.

Youth card with an individual design from Sberbank

On the front side of the standard youth team, a girl is depicted on a bicycle against the background of a sunset. For lovers of everything unusual, Sberbank offers a card with a special design that a teenager can choose for himself. It is enough just to take the image you like from the bank's database, find the image on the web or on your PC.

The choice of future design should be approached responsibly. Publication is not allowed:

• alcohol, drugs or tobacco products;
• materials containing political or religious symbols;
• episodes from films or cartoons;
• public figures;
• people in uniform;
• pictures protected by copyright;
• digital and textual information;
• any currency;
• pictures of a sexual nature;
• advertising.

It will take more time and money to issue a card with an original design than a regular one. For the service, you will need to pay a one-time fee of 500 rubles in addition to the 150 rubles of the annual commission for use.

With credit limit

The conditions for issuing a credit card are significantly different from debit cards:

• Only persons over the age of 21 can receive it.
• To apply, you will need to document your income. Students can bring an extract from the dean's office proving the receipt of a scholarship, and officially employed persons - a standard income statement in the form 2-NDFL.
• For maintenance you need to pay 750 rubles annually.
• Cash withdrawals involve a fee (3%).
• The full package of "Mobile Bank" is provided free of charge for the entire period of use.

Reference: the initial youth limit is 15 thousand, later it can be increased at the initiative of the bank. The limit on this credit card reaches 600,000 rubles.

The bank provides a grace period during which you can use credit money without interest: 30 days are given for making purchases and 20 for repaying the loan. If you pay the borrowed amount on time, you will not have to overpay.

• Interest on the loan - 27.9% (after the grace period);
• Penalty for late repayment - 36%.

Important: it is profitable to pay for purchases with a credit card, but not to withdraw money. For cash withdrawals, a commission of 3% of the amount is taken (minimum 390 rubles) and interest is calculated daily (that is, the grace period is not applicable here).

Holder Requirements

In addition to the standard requirements, there are age restrictions for issuing a plastic card (citizenship of the Russian Federation and registration in Russia). From what age and until what age can you apply:

• for debit cards - 14-25 years;
• for credit cards - 21-30 years.

How to issue

You can apply for a Sberbank youth card online by filling out a special form on the official website or by contacting the nearest bank office. If you apply online, you can use personal account if you are already a client of Sberbank, or apply directly from the main site. In both cases, you need:

1. Go on the website.
2. Click "Cards" at the top, then select the one you need.
3. Fill out the form: personal data, documents, registration address. Indicate the branch in which it will be convenient to pick up the finished product.
4. Choose a design (if necessary).
5. Submit an application.
6. Wait for SMS notification and come to the bank for a card.

Reissue of the card after the expiration date (3 years) is free of charge.

It is more convenient for many to order cards at the bank. For this you need:

1. Prepare documents: passport and income statement (for a credit card).
2. Come to the Sberbank office and take a coupon for the service.
3. Sign the application provided by the employee.
4. Wait for notification of readiness.

How to get a

A ready-made card is received only at bank offices. You need to have your passport with you. Sign the receipt of the ordered plastic and pick up an opaque envelope with a pin code from the employee. You can activate the card at an ATM by simply requesting a balance or depositing cash.

Important: the finished card is stored in the department for no more than 30 days, and then destroyed.

How much is being prepared

Production time depends on the selected product:

• Debit - on average, 10 days;
• Debit card with original design - about a month;
• Credit - no more than 2 weeks.

How much does a Sberbank youth card cost

The debit product will cost 150 rubles. Plastic with an original background - 500 rubles one-time + 150 rubles a year, and a credit card - 750 rubles annually.

How to withdraw or deposit cash

In order to withdraw money from the card, you can use:

• ATM. You need to insert the payment product into the card reader, select the appropriate function, enter the required amount, collect the money and the card.
• Bank cashier. You need to take your passport and card with you.

Important: if you withdraw money from other banks, an additional commission of 1% is charged.

To replenish the balance, you can:

• use an ATM;
• transfer funds from mobile;
• transfer money from any other Sberbank card available;
• at the bank teller.

Advantages and disadvantages

Before you make out payment plastic, you need to sort out the pros and cons of a Sberbank youth card:

• schoolchildren over the age of 14 can become the owner of a debit card;
• annual maintenance is much less than other cards;
• for registration, you only need a passport (for a credit card, additionally, a certificate of income);
• choosing an unusual design for little money compared to other banks;
• participation in the bonus program;
• for 2 months "Mobile Bank" is provided free of charge.

• high interest rate on loans;
• it is difficult to get the maximum credit limit;
• cash withdrawal from a limit card - 3%.

Also, the disadvantages include the lack of accruals on the balance and a complex bonus system, the conditions of which not every teenager will be able to fulfill.

Related videos