FinancePersonal Finance

All secrets of the plastic card "Visa Electron"

Today, more and more residents of our country prefer to keep money not in a purse, but on a card. The most popular is the plastic from Sberbank, as it is the largest bank in Russia. "Visa Electron" is one of those varieties that is used by more than half of consumers from all over the world.

Advantages of bank cards

Advantages of treasured plastic are already appreciated by many owners of this financial instrument. The Visa Electron card has a number of advantages:

  1. In order to open it, you will need a minimum of documents. Passport and application form, where you will need to sign.
  2. Access to funds located on it at any time of the day or night.
  3. Possibility to make purchases on the map in supermarkets and in Internet shops.
  4. Advantageous exchange rate of currency funds on the card.
  5. Possibility to pay for communication services, utility payments, as well as transfer money from the card to the card.
  6. Use of such services as "Web-Bank", "Mobile Bank", "Sberbank-on-line".
  7. If you lose your card, you do not lose money, they remain on your account.
  8. Bonuses and promotions, which are held every quarter.

What do you need to know about the Visa Electron card?

Take for example the proposals from "Sberbank" in the Central Black Earth region. This card is issued to all wishing citizens who have reached the age of 14 years. Its validity is 2 years. For the issue you have to pay 150 rubles. And there is no minimum initial payment. Your account will be maintained for free. The limit of cash that you can withdraw within a month is 1 million rubles. In addition, on the last business day of the year you will be credited with 0.1% per annum.

Upon expiration of the validity period, the Visa Electron bank card requires re-issue. For this operation it is necessary to pay 90 rubles. The account on the re-issued card will not change, but you will receive a new number and a PIN code. In case of loss of the card a fine of 30 rubles is provided.

"Visa Electron" is considered an entry-level card, but it has a basic set of possibilities. Often it is used as a salary.

The only drawback is the fact that it is not always possible to use a map of this type abroad. This is due to the fact that any payment is agreed with the bank. Not every terminal has this capability. The same can be said about paying for purchases in online stores. Therefore, you need to pay attention to the logos of the cards with which this or that trading service works.

Paid operations on the Visa Electron card

"Sberbank" is a unified financial system of Russia, therefore the conditions offered to them are practically the same everywhere. In the regions, there may be some differences in the proposals of the financial institution. Consider paid operations in the Central region. Along with free operations (for example, paying for a purchase or withdrawing cash in your city), there are also paid operations.

These include:

  • Transfer to a user's card that is issued in another region. You will have to pay 1% of the amount. If you perform the same operation through an employee of Sberbank, it will cost more - 1.5%.
  • Transfer from the Visa Electron card to the card of another bank - 1%. Through the operator, the same procedure will require 2%.
  • Payment of utility payments through Sberbank Online - 1%. But when paying in a bank with the help of an employee for it will have to pay 2-3%.

Summarizing, I want to share good news. Sberbank began issuing electronic cards Visa Electron Momentum with the symbols of the Olympics in Sochi. Get it can anyone who has reached the age of 14, in any branch of the bank in a few minutes.

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