"Mobile Bank", Sberbank. The "economical" package: what is included in it?

One of the most convenient services of the largest bank in Russia is the Mobile Bank (Sberbank). The "economical" package (which is included in it, we will consider below) provides full access to the software without a monthly fee. Every customer of a financial institution that owns a plastic card can use the unique functionality. The innovation is designed to maximize the partnership with customers, to improve the quality of service to the highest possible level. Thanks to the mobile application, you can pay for a wide variety of services in a few clicks, make transfers without visiting the bank branch.

What are the prospects for the Mobile Bank?

Luxury benefits in service are available to customers who are members of the Mobile Bank service (Sberbank). The "economical" package and the "Full" package are two partnership programs adapted to the needs of different clients. Thanks to the mobile application, everyone has full access to their bank account. You can connect to the system not only with a stationary computer, but also with a phone, communicator or smartphone. Innovative functionality allows you to pay mobile accounts at convenient time, repay payments on loans, deposit funds and transfer from one card to another. Moreover, simplified access to financial operations is not the only thing offered by Mobile Bank (Sberbank). The "economical package" is very easy to connect. Without a monthly fee, it opens access to virtually all banking operations. Orienting in the system is easy and simple, in fact, as well as choosing the necessary services. The owners of the cards will be able to track all the incoming and outgoing transactions in their account in detail. Moreover, at any time you can send a request and get a full report on the status of your bank account.

Possible options for connecting the service

Mobile banking can be connected in several ways:

• Visit the branch of the Savings Bank. You need to write an application and get a card with a PIN code from the branch employees. Passport must be present on hand. A special agreement will be drawn up in the office, registration in the system is made. Will be pleased with the list of services that can be used within the framework of the Mobile Bank service (Sberbank, "Economical" package). What is included in it is easy to understand, since the system is very simple and accessible, and the employees of the financial institution are ready to provide all-round support at any time. To enter the personal cabinet you will need to enter your login and password, personal number. One phone number is allowed to connect about 8 plastic cards.
• Connection of the functional is possible through the self-service device - through the ATM or through the information-payment terminal.
• You can open your office under the guidance of the call center operator, which you can contact via the direct phone number 8-800-555-55-50.

The service can be disconnected at the bank branch. Employees of financial institutions will need to provide an application for termination of the contract. It is important to have a passport, an old agreement for the registration of the card and the card itself. After contacting the bank, the service is deactivated within three days. The client will be informed of the implementation of his request via SMS. The service can also be deactivated via the call center operator.

The most useful services in "Mobile Bank"

Solving financial issues is very convenient within the framework of the Mobile Bank service (Sberbank). The "economical" package, described below, allows you to perform the most common operations right at home. To perform expense transactions, you need to visit the "Your Cards" menu and select the necessary card from which you are planning to pay. Then you should click the "Activate" button. After entering the session key, you will be able to log in to the system. The point "Your accounts" is useful in that it allows you to find out the balance of cash without the help of an ATM or cashier. The same expense operation can be carried out also in the section "Payment for services". The application can be downloaded from the official site of the bank, both on the phone and on the computer. Software is provided for operating systems such as Android, iOS (iPhone, iPad) and Windows Phone.

Integrated Security

A separate feature can be called a high level of security, which has a "Mobile Bank" (Sberbank). The "economical" package (how to connect it, can also tell in any branch) is a guarantee of confidentiality of information. Due to the fact that the service provides full access to the accounts and the ability to redirect the flow of personal funds in the right direction, the financial institution has paid great attention to the system of protection from fraud. To access the office you need to know a huge amount of identification data, which significantly limits the possibility of intruders.

Do not share your personal information with third parties

Here we make a reservation that neither passwords nor session keys should under any circumstances be transferred into the hands of third parties. It is necessary to pay attention to the form in which the employee of the bank issues a key. It must necessarily be sealed. If the keys are lost, you need to urgently apply to the bank branch and ask for new ones. This will get rid of trouble if the attackers decide to use other people's data.

Package "Economical": the list of services

The financial institution to maximize the satisfaction of its customers' needs offers two partnership formats. Flexibility and focus on the interests of everyone is one of the main advantages of such a service as "Mobile Bank" (Sberbank). The "economical" package (which is included in it, we understand this article) does not require additional payment. The main services are provided free of charge, but for some manipulations you will still have to pay extra. For example, if you need to get a report on the last five transactions on the card, one request will cost about 15 rubles. Money is not charged for SMS notifications about settlement operations. The subscription fee, as in the case of the "Full" package, is not required.

The package "Full" provides a monthly fee of 60 rubles. The partnership program provides full access to all possible operations within the bank. The funds are debited automatically from the card account. If the bank does not have a bank at the time of writing off the money, mobile banking is blocked until the card is replenished.

Specificity of Sberbank's offer

Almost everyone faced the situation when the queue at the bank branch had to stand for hours to spend a monthly payment or pay a certain service. This required not only incredible forces, but also a huge expenditure of time and nerves. "Mobile Bank" (Sberbank, "Economical" package), how to connect which, as mentioned above, is aimed at reducing the activity of clients in the department and is focused on the formation of the most convenient format of cooperation.

Mobile banking in the fight against scammers

In recent times, cases of withdrawing cash from fraudsters in ATMs have become more frequent. Sad statistics prompted the leadership of the financial institution to drastically change the policy of partnership. To say more, "Mobile Bank" is adapted even for the needs of the owners of international cards of the Savings Bank. The client of the institution that is located outside of Russia, with the help of the application, can carry out almost any banking operation with minimal effort.

Full list of services available to customers of "Mobile Bank"

One of the most convenient services of the largest bank in Russia is the opportunity to connect to the Mobile Bank service (Sberbank). The "economical" package as switched to the "Full" package will be considered below, but for now we will get acquainted with the full list of available services within the framework of the functional. So, each member of the system can:

• Replenish the account of your mobile phone or another subscriber's phone from your bank card. You can set up the banking in such a way that the replenishment of the mobile account is carried out automatically in the prescribed time and for a certain amount.
• Receive full reporting on the accounts (expense transactions, income transactions, statistics for all transactions for a certain period).
• If you find a fraud on one of the accounts, file a request and block it immediately.
• Make payments to organizations that have partner agreements with Sberbank.
• Conduct a transfer of funds to the cards of other customers, to the accounts of charitable funds.
• Conduct replenishment of the deposit and repayment of the loan.
• To monitor and track illegal fraudulent activities through SMS communication, which is offered by "Mobile Bank" (Sberbank, "Economical" package). How to check the balance on the card in case of notification of an imperfect operation, will prompt the technical support staff.
• Take advantage of comprehensive information about the latest news of Sberbank.

Systematically amenable to expansion and modernization of the "Mobile Bank" (Sberbank, "Economical" package). What kind of product will end up in the end, you can only guess.

Effective rates of mobile bank

Every client of a financial institution that uses the services of the Mobile Bank service (Sberbank), the "Economical" package can be changed to "Full" can at any time. It should be said about the broader possibilities of the "Full" package, which, unlike its "Economical" counterpart, offers open access to information on the flow of funds for each of the accounts. The advantage of the "Economical" offer is only that in the absence of money in the account, online banking will not be disabled. After the client connects to the service, he is given a test period of several months, during which payment for the application is not charged. Let us consider the cost of the proposal in detail:

• The owners of the Platinum, VisaGold and Mastercard cards get access to the private office free of charge.
• Owners of Momentum, Maestro and VisaElectron cards must pay about 30 rubles a month.
• Customers with Mastercard Standart and VisaClassic cards will pay 60 rubles a month.

Possible difficulties

Despite the fact that "Mobile Bank" has opened huge advantages for Sberbank's customers, its technical component is not perfect. Users of the functional quite often complain about the hang of the system and the inoperability of individual buttons and functions. There are cases when the service is not activated after three days from the date of registration. This is most often due to errors when connecting a new client. Having informed about the situation of the branch employee, you will solve all the difficulties very quickly. The facts of theft and transfer of funds from customers' accounts were recorded, with which the bank's representatives could not do anything. People had to go to the procurator. Fortunately, such cases are rare, and inattentive people become their participants. If you thoroughly understand the issue and study the regulations, there will be no problems with the use of the application "Mobile Bank" (Sberbank, "Economical" package). What is included in it, what precautions should be followed, what can be done, and what can not be done - these are questions that should be studied on the eve of the service activation.