Now even the youngest citizens can appreciate all the conveniences and advantages of cashless payments. Sberbank of Russia offers a line of card products specifically for young people, which includes several types of cards that differ in the age range of their holders and the opportunities provided:

• youth cards 14+ and 18+ (debit);
• youth card 21+ (credit);
• card for child 7+.

Despite the fact that all the cards are intended for the young part of the population of the Russian Federation, they are largely different from each other and each is worthy of a separate review. Here we will talk about the first group of debit cards - their merits, terms of receipt and tariffs, and also touch on the rest of the representatives of this “worthy family”.

Debit youth cards of Sberbank

Youth Card 14+

You can get a 14+ youth card upon reaching the age of 14 or the age of majority. This will allow the young man to acquire the first skills of operating with non-cash money, and the bank to get new customers who will subsequently be able to use the wide range of services that Sberbank provides to the population of the Russian Federation (loans, deposits, credit cards, etc.).

The bank has done a lot to popularize the youth line, for example, it offers to order a card with an individual design (for an additional fee), and you can choose the design yourself (online on the official website) or upload your own.

In addition, the holder of the "youth team" is offered the same conditions as those of the classics and privileged cards, but with a significantly reduced (by 5 or more times!) Annual service, as customer reviews rave about. And some companies give additional privileges, so you can get additional bonuses (up to 10%) for buying burgers at the corresponding fast food restaurant (within). Those. the bank not only offers a functional and profitable financial instrument from the age of 14, but also makes it possible to feel like an adult - so to speak, to pay with dignity.

The card provides the owner with the following options:

• payment for goods and services around the world without a commission, including secure payment in online stores;
• cashing out at any ATM in the world (attention, a commission will be charged at a “foreign” ATM);
• instant and sending non-cash (details are not needed) using the simplest SMS commands as part of the connected SMS banking service. Thanks to the same service, you can connect for operational control over operations on your card account;
• the ability to use a modern secure mobile application (the best according to the Global Finance magazine), which is very relevant and timely in the era of the development of the Internet and cheaper smartphones;
• connection of an Internet bank (a simply indispensable free service that allows you to control the status of your account in your personal account around the clock, as well as perform various operations: payments (taxes, housing and communal services, mobile communications), transfers and much more. Here you can also connect or replenish your electronic wallet (Yandex Money is replenished without commission);
• activation of the loyalty program "Thank you from Sberbank";
• Getting discounts from bank partners and Visa or MasterCard payment systems and much more that a bank card can do.

In case of non-cash payment by card, its holder is refunded up to 10% of the amount in the form of bonuses under the Thank You from Sberbank program. They are accumulated on the bonus account and make it possible to pay for purchases (1 bonus is equal to 1 ruble). All purchase transactions via the Internet are carried out with the obligatory introduction of a secret confirmation code, which is sent to the cardholder in an SMS message (as part of a free service).

A young person from 14 to 25 years old can issue such a card. To do this, with a passport of a citizen of the Russian Federation, you must contact one of the branches of Sberbank. An agreement is concluded with the bank for card services in accordance with the established tariffs. You should pay attention to the following terms of cooperation:

• it is possible to receive a Visa or MasterCard payment system card;
• card currency - rubles;
• release - free of charge;
• validity period - 3 years;
• scheduled (and early) reissue - free of charge (in case of loss of a pin code, card or change of personal data - 150 rubles per reissue);
• service for the first and for each subsequent year - 150 rubles.

There is a daily withdrawal limit (total limit 300,000 per day):

• at ATMs of a bank and other credit institutions in the amount of 150,000 rubles per day;
• at the bank's cash desks - 150,000 rubles per day.

The monthly limit for cash withdrawals is 1,500,000 rubles in total at cash desks and ATMs.

Cash withdrawal at the cash desks of Sberbank in any territorial bank (throughout Russia) - no commission (!), if the daily limit is exceeded, the commission is 0.5% of the excess amount. In any subsidiary bank (representative office of Sberbank abroad), money can also be withdrawn without a commission (an additional fee of the subsidiary itself is possible), plus 1%, but not less than 150 rubles. for exceeding the daily limit.

There are NO commissions in any (!) Sberbank ATM.

At an ATM of another bank, Sberbank will take 1% of the withdrawal amount (but not less than 100 rubles), plus the commission of the bank that owns the ATM must be taken into account.

Cashless payment by card WITHOUT COMMISSION.

When the card is produced (manufacturing time is up to 2 weeks) and arrives at the bank branch, its owner will receive a notification SMS or bank employees will provide information by contact number. It is possible to get an individual design card - the amount of this service is not clearly indicated on the site, but judging by the bank's rates, you will have to pay an additional 500 rubles. If you have questions about working with a plastic card or you need to block it urgently, the client has round-the-clock support from Sberbank contact center employees or an SMS command.

Youth Card 18+

The Sberbank 18+ youth card also applies to debit cards and operations on it are carried out within the limits of the real balance. It is issued for clients aged 18 to 25 years. In terms of the opportunities provided, it is COMPLETELY identical to the youth team for 14-year-olds. Designed for non-cash replenishment and payments, use at an ATM. It can be credited with a scholarship or salary. Relatives can top up money on the card, which is especially convenient for students.

Other offers from Sberbank

Non-cash money can serve as a good alternative to pocket money allocated to schoolchildren. For this, Sberbank provides for the "Children's Card 7+". Parents can open it as an additional card to their main card.

They issue a card in the name of the child, who receives partial access to the funds in the parent account (limited by limits) and can pay for purchases in stores or on the Internet. For any non-cash transfer from the card, a confirmation code is required, which is sent via SMS to the contact number. Parents draw up such a card in the department if they have their passport and birth certificate of the child.

For those who are 21 years old and have a regular income in the form of a scholarship or salary, a 21+ youth credit card is available. A credit limit is individually set on it, for the use of which a fee is charged monthly (or not charged if you have time to repay the debt in a grace period of 50 days!).

Read in our separate review, but here I just want to add that receiving it is a completely different level of financial responsibility (both to the bank and to yourself), and you, as its possible future holder, should be fully aware of this!

conclusions

The Sberbank youth card is maximally adapted to the needs of the younger generation, about which it does not forget to praise the card in its reviews. It is affordable at the cost of annual maintenance, makes it possible to perform the most popular operations, ensures high security of their conduct (both online and offline) and the safety of financial resources. This is a full-fledged classic card with a chip on board.

Youth cards provide round-the-clock access to non-cash payments via the Internet, and cash can be withdrawn at any ATM as soon as necessary. If the card is lost or stolen, the money will be blocked (on your command), which will make it impossible for outsiders to withdraw it. And, nevertheless, it is necessary to use it carefully, not to “shine” its details (especially the secret CVV / CVC code), to keep the PIN code secret. Only then will this financial instrument be your assistant and provide you with additional convenience (and benefits) when making non-cash payments.

Sberbank is one of the few banks in Russia that, by releasing its plastic products, takes care not only of working adults, but also of teenagers. Today we will talk about a popular banking product - the Sberbank Youth Card.

Description

The Molodezhnaya card is a universal debit product designed specifically for young Russian citizens. It can be issued by individuals who have reached the age of 14 and have received a Russian passport.

Basic conditions of the card:

• supported payment systems - Visa or MasterCard;
• period of operation - 36 months;
• free issue (except designer copies);
• active bonus program "Thank you from Sberbank";
• reissue at the end of the validity period - 0 rubles, in case of loss - 150 rubles.

One of the most common questions users ask about the Youth card: what type it belongs to, debit or credit ?

The Molodyozhnaya card is a debit card. However, when the client reaches the age of 21, it can be re-issued into a credit with the same name and an established credit limit.

How to apply for a Sberbank youth card?

Making a card for young people is very simple. At the initial stage, you need to go to the official website of Sberbank and fill out a questionnaire. Then you should wait for an SMS from the financial institution notifying that the product is ready and waiting for the user at the branch. Next, you need to take a passport and come to the office, which is closest to the client's home.

Who can apply?

All young citizens of Russia aged 14 to 25 can apply for a product. The only requirement is that the user's passport document must contain a seal of registration at the place of residence.

On a note:From the age of 18, Sberbank does not issue credit cards! Only from 21!

Required documents

Since Molodezhnaya belongs to the category of debit products, in order to issue it to a branch of Sberbank, you need to bring only one document - a passport of the Russian Federation with a mark of address registration. No special documentation, be it permission from parents, presentation of additional certificates, is required.

How much does the Sberbank Youth Card cost?

The bank offers its users regular and designer cards. The cost depends on which card the customer chooses. If the product is without an individual design, then its release is free. The commission is charged only for the first year of service - 150 rubles.

But for the design you will have to pay 500 rubles. Plus a service fee for the first year.

Production time

How much do Sberbank Molodezhnaya cards make? The term depends on the region of production. For example, for the city of Taganrog, Rostov region, this period will be from 5 to 7 working days. In Moscow, the card will be ready in 2-3 days. If the product has an individual design, then the term of its release is additionally increased by 1-5 working days.

Sberbank youth card abroad: terms of use

The "youth" card from Sberbank is a universal product of an international type that works all over the world, where there is a logo of the VISA or MasterCard payment systems. When paying with it abroad, the funds are converted at the rate of the branch in which the account of a particular card is maintained. The commission for withdrawals abroad will be 1% (min. 100 rubles / 3 USD / 3 EUR) of the amount withdrawn, plus a commission fee from a third-party bank, plus a commission for VISA cards.

Cash withdrawal conditions

You can withdraw cash at any ATM or terminal located in Russia or abroad. For this you need:

1. Find a nearby device.
2. Insert the plastic into it with the chip up.
3. Enter your PIN.
4. Click the "Withdraw cash" section.
5. Enter the required amount and confirm your actions with the appropriate command.
6. Take money, card and receipt.

There are no restrictions on the balance of the amount on the card. Cash withdrawal limit per day is 150,000 rubles.

Pros and cons of the Youth card from Sberbank

The described products for young citizens have both their positive and negative sides. The advantages include:

1. Accessibility - plastic can be issued by persons from the age of 14, with just one document - a Russian passport.
2. Universality - the card can be used to pay in stationary and online stores, used to transfer scholarships, etc.
3. Reliability - plastic is equipped with a chip, and the funds on it are reliably protected.
4. The ability to use the card not only in Russia, but also abroad.
5. Free release and low annual maintenance cost.
6. Ease of use - it is easy to withdraw money from the card at any ATM in the world.

As the reviews show, the Molodezhnaya card has practically no negative points. Only a few clients complain about the existing maximum age limit - up to 25 years.

Even 10 years ago, not all Russians regularly used bank cards, and now banks issue them even for children.

At first it may seem strange - why does a child need a payment instrument? But then parents realize that in this way the child learns financial responsibility.

Therefore, a number of banking institutions offer the issuance of credit cards and debit cards for young people.

You will learn about one of the most interesting offers on the market - the Youth Card from Sberbank of Russia, its pros and cons, from this review.

Overview of the banking product, tariffs

In addition to the name and release conditions, as well as a number of bonuses, "Youth" plastic is no different from ordinary. The main feature is the incredibly low maintenance fee, only 150 rubles per year. Sberbank also took into account the rhythm of life of modern youth and their desire for mobility, providing convenient account management, a mobile application, and increased bonuses when paying with a payment instrument.

Two types of Sberbank youth cards are issued: debit and credit, Visa and Mastercard Classic payment systems.

Debit cards 7+, 14+, 18+

Suitable for paying for goods and services at retail outlets and on the Internet, replenishing and withdrawing cash. You can order a debit card with an individual design.

Named plastic, validity period - standard three years from the date of issue. It is convenient for students in that it can receive a scholarship- just write an application to the dean's office and provide account details.

With non-cash payment by the Youth Card, the accumulation of increased amounts from Sberbank is provided.

A Sberbank Youth Card is issued for children over 7 years old:

• from 7 to 14 years old - as an additional to the parent account, only for non-cash payments and crediting of child benefits;
• from 14 to 25 years old - as the main one, parental consent is not required for registration;
• from 21 to 30 years old - credit cards can be issued.

As you can see, the bank has set an age limit - people no older than 30 can use the "youth" product.

How much is the annual service, the price of "Mobile Bank"

For those who want to give their children access to the main account, it is possible to set spending limits for non-cash spending.

To do this, parents need to contact the branch of Sberbank and write an application in the prescribed form.

For plastic 14+, this service is no longer available, since the debit card will be the personal property of the teenager and is framed as the main.

What services and services are available to the holder? We look at the table.

Advantages: convenient use, the ability to release plastic for children over 7 years old, low annual maintenance fee.

Flaws: expensive "mobile bank" (60 rubles instead of 30), restrictions on the age of the holder.

In this article, read detailed instructions on how to block a lost Sberbank card:.

Credit plastic 21+, available limit

From the age of 21, Sberbank offers young clients to issue a credit card "Youth 21+". The advantage of such plastic is that a reduced interest rate for the use of borrowed funds is applied to this category of holders. Confirmation of income is possible both with a scholarship statement (for students) and with a standard 2-NDFL certificate.

NOTE! Such a credit card is an ideal product for creating a positive credit history in the bank. Accurate payers in six months or a year will have access to loans at a reduced interest rate, preferential mortgages.

The initial limit for non-working students can be set at 15,000 rubles, as a starting one, and later increased at the initiative of the bank with accurate repayment.

Convenient to use due to the connected service "Mobile Bank"– at any time, by means of a request to 900, you can find out the current payment against the loan. SMS reminders about the date of the next payment are also included in the service package.

The initial limit for non-working students can be set at 15,000 rubles as a starting limit, and later increased at the initiative of the bank with accurate repayment.

Credit card annual fee"Youth" will be 750 rubles.

Advantages: there are no mandatory requirements in employment, a grace period, it is convenient to keep track of expenses and payments.

Flaws: no preferential loan rates, expensive service, small initial limit.

How to issue: conditions of receipt for customers

You can issue "Youth" plastic at any branch of Sberbank, existing customers (it will be especially convenient for parents of children under 14 years old) - using a personal account on the site.

An application for release can be sent simply via the Internet, having received plastic after its manufacture.

To issue a debit card 7+ you will need:

• statement from one of the parents;
• passport of one of the parents;
• child's birth certificate.

To apply for a Youth credit card - age from 21 to 30 years, a certificate of scholarship or income statement (suitable in the form of a bank), a copy of the work book for employees.

The basic requirements for recipients of "youth" cards are simple:

• Russian citizenship;
• permanent registration in any region of the Russian Federation;
• payment of an annual service fee in the prescribed amount.

As you can see, the requirements are standard.

How to order and receive for free

How can I get a card and what methods exist for this.

There are two in total:

• filing an application during a personal visit to the bank office;
• make an order for a card on the website (you still have to go to the office, since for security Sberbank does not send plastic cards by mail).

In the office

After the debit card is made, it will be transferred to the selected branch of the bank, and the client will receive an SMS notification on the phone number indicated in the questionnaire. The finished plastic is stored for no more than 30 days, after which it is destroyed if the client did not manage to receive it on time.

The card will be ready for use immediately after activation and payment of the annual service.

Online application

It can be used through the Sberbank Online service or directly on the website.

The advantage of this method is that you do not need to stand in line, you can submit an application at a convenient time and choose an individual design (if desired, this service is provided).

An application is made through the personal account as follows: you need to log in to the system, go to the "Debit cards" section, select the one you need and click the "Apply" button, then enter the necessary data.

Submission from the main site is done in the same way. In the bank cards section, select the "Youth" type of the required type (14+, 18+ or 21+), carefully fill in all the fields of the questionnaire, select a design (from the proposed gallery, upload a photo from a computer or from Instagram) and send an application.

Immediately after the debit card is ready, SMS will arrive that you can come and get it at the department. You must have a passport and an annual service fee with you (for credit cards - documents confirming solvency).

Card production terms range from 3 to 14 business days.

It takes the longest to make a card with an individual design. Additionally, the time for delivery from the head office of Sberbank to the selected branch is taken into account - from 1 to 7 days, on average.

Activation

In order to start using the "Youth" card, you need to activate it. The bank will do this on its own within 3-48 hours from the moment it is received by the client. You can also not wait, and immediately do it yourself in the department.

If you have any difficulties, please contact the client manager, it will help you activate using an ATM, connect the selected services ("Sberbank Online", "Mobile Bank") on the spot.

It is easy to activate the card on your own: it is enough to deposit funds to its account using an ATM and a PIN code. The PIN code is issued along with the plastic.

How to use

Debit and credit Sberbank cards of the Youth tariff for persons over 14 years of age support all services: withdrawals and replenishments of funds to an account, transfers between cards within the bank and to third-party organizations, payment for goods or services on the Internet, settlement at retail outlets.

Children's cards 7+ are intended exclusively for cashless payments.

Easy to use Youth Cards- in any place where Visa Classic or MasterCard Standard category plastic is accepted, it can be used to pay for purchases through a special POS-terminal.

You can not give the card into the hands of strangers, and tell them the PIN code.

Card transactions are confirmed by entering a PIN code or a special SMS code(when paying for purchases on the sites). Withdrawal and replenishment of cash is also carried out using a PIN code, at ATMs and payment terminals of Sberbank.

It is necessary to carefully store the card, preventing damage to the magnetic strip, separately from the PIN code. If it was lost, you must immediately call the bank and block it, and then order its reissue.

You will learn how to properly close a Tinkoff Bank credit card by reading our following material:.

How to find out the balance

Checking your account balance is very easy.

To do this, you can use the following services:

• connect SMS notifications about debit transactions;
• install a mobile application;
• check it through an ATM;
• call the bank's hotline;
• use the Mobile Bank service by sending SMS to 900;
• go to your personal account "Sberbank Online".

To request a balance, either any Sberbank ATM or a third-party ATM is suitable, but in the latter, a fee is charged for this operation. To make a request, you need to insert the plastic into the device, dial the PIN code, select the item in the menu "Show balance" - on the screen of the device or print it on the check.

By calling the hotline, the operator can also provide up-to-date data on the state of the account. The number itself is indicated on the back of the card, or when calling from a mobile phone, you can use the short number 900 (it's free). It is important to make a call from the number specified in the client agreement. You can check your account balance online or transfer the call to an operator.

Using the service of short commands, checking the balance on the account is also very simple: Dial request *900*01# from your mobile phone and press the call button. In response, an SMS with information will be sent.

To check the balance through a mobile application or personal account, you must first register in the system, and then download the application. It is available for all popular operating systems, including Windows Phone. Next, there will be registration in the application, and setting a PIN code to enter it. After that, in the "My Cards" section, you can regularly and free of charge find out the status of your account.

TIP: The easiest way to keep your balance under control is to connect SMS notifications for all account transactions. With each write-off or replenishment, a notification will be sent containing information about the funds available for spending.

Cash withdrawal, replenishment, commissions

You can use an ATM to withdraw cash- this is the easiest way, especially if you perform this operation at a Sberbank ATM - in this case, no interest is charged for withdrawing your own funds from the account. In third-party banks, the transaction fee will be 1% of the withdrawal amount.

For users of credit cards, cash withdrawals have two pitfalls: firstly, in this case, there is no grace period for repayment, and secondly, a withdrawal fee of 2.5% of the amount is charged.

To withdraw money, it is enough to insert the card into an ATM, enter the PIN, and select the item in the menu "Cash withdrawal". Next, select or enter the desired amount, and wait until the device issues money.

ATTENTION! Remember to collect the card within 45 seconds or the ATM will grab it.

You can top up your account in the following ways:

• from a mobile phone account (indicate the required amount in SMS, for example, “500”) via SMS to number 900 - money will be received within 5-15 minutes, no commission is charged;
• by transfer from another Sberbank card (in your personal account, or in the Visa Transfer / MasterCard MoneySend service);
  through an ATM with the function of accepting cash;
• using payment terminals QIWI, Compay, etc.;
• from an electronic wallet;
• at the bank teller.

A transfer from cards of another servicing bank is also available. The terms for crediting funds in this case are from 5 minutes to 3 days.

How to opt out

If you need to change the servicing bank, or simply refuse the card for any reason, remember that this also needs to be done correctly.

• contact your bank branch with a passport (if you are going to close a children's card, then the algorithm of actions is slightly different);
• write an application for closing a card account;
• withdraw the balance of funds from the balance or transfer them to the plastic of another bank;
• receive a notice of termination of service and account closure;
• hand over the card to the branch officer to have it destroyed in your presence.

Parents can close the children's card in their personal account. In the section where all valid payment instruments are displayed, select the “Close card” item and confirm the operation with a one-time SMS code. After that, the plastic can be destroyed, as it will become invalid.

Sberbank does not forget about people who have just stepped into adulthood (or are just about to do so). The institution took care of creating a special product for this category of the population - a plastic card "Molodyozhnaya". It is offered in two versions - Visa Classic and MasterCard Standard. But how does this card differ from the “adult” version of the same product, how old can it be and why can it be beneficial? Let's figure it out!

"Youth" is the most common plastic card provided to people from 14 to 25 years old on preferential terms. Thanks to it, you can pay less money for service and enjoy certain privileges. Naturally, there are some limitations, which is logical. Such a card, like the others, is valid for exactly three years. You can order both Visa Classic and MasterCard Standard.

This card features a unique, colorful design featuring a woman riding a bicycle in a park with a sunset in the background. With this, Sberbank probably wanted to separate "youth" card from "adult".

From the point of view of service and tariffs, there are certain, for some people quite significant differences. It is worth understanding in more detail how the cards for young people differ from their usual options.

Debit Youth Card

A plastic card without a credit limit is provided to citizens of Russia from 14 to 25 years old. She has certain indulgences for this group of the population, so that it would be more profitable for her to use the services of Sberbank.

However, these indulgences cannot be called too serious. In fact, from the usual Visa Classic/MasterCard Standard it differs only in a few parameters:

1. Service cost. For three years of service, the owner of youth plastic will pay only 450 rubles, while a regular card will cost 1650 rubles.
2. Account currency. Only rubles are available, unlike the "adult" option, where you can have an account in dollars and euros.
3. There is no way to open an additional card, as in the full version.

Otherwise, all the conditions for obtaining, limits and tariffs are identical. You can still withdraw up to 150 thousand rubles at ATMs and cash desks per day and up to 1.5 million rubles per month. At the same time, 0.5% will be charged for exceeding the specified limit when withdrawing at Sberbank and 1% at branches and ATMs of other institutions.

Credit youth card

This type of youth card is available to citizens upon reaching 21 years of age and up to 30 years of age inclusive, and for registration it is enough to have only a passport with you. Oddly enough, officially Sberbank does not require any income statements or any other documents. However, just in case, it is better to take with you a 2-personal income tax certificate from the place of work or study (if a scholarship is awarded).

According to the rules and limits, this card is absolutely no different from the usual plastic of the same bank. In fact, it will simply have the prefix "Youth", and the recipient will not get any sense from this. However, its tariffs and limits are also worth describing.

The Youth Credit Card provides 50 days of interest-free credit. It has quite good conditions:

1. From 15 to 600 thousand rubles credit limit.
2. From 23.9 to 27.9% per loan per year.
3. Maintenance cost from 0 to 750 rubles.
4. 36% penalty for redemption after the delay on the balance of the debt.

The minimum interest and maximum rate, as well as free annual maintenance, can only be obtained under certain conditions:

• receiving a pension or salary on a Sberbank card;
• using a Sberbank debit card (any);
• the presence of open deposits in the bank;
• availability of consumer credit.

These factors may make it possible to receive a so-called pre-approved offer, when the bank is already automatically ready to provide a loan product on preferential terms. Otherwise, you will have to pay the maximum rates. And then all the benefit of the youth credit card is lost. However, when you first receive a loan product, you can hardly count on improved conditions and higher rates.

There are certain limits on a Sberbank credit card:

• up to 50 thousand rubles at ATMs per day;
• up to 150 thousand rubles at the offices of Sberbank and other banks per day;
• up to 150 thousand rubles"foreign" ATMs;
• in total, you can withdraw the same 150 thousand rubles a day and no more.

At the same time, a certain commission will be withheld for cash withdrawals: 3% when contacting an ATM or Sberbank office and 4% when trying to withdraw money through other institutions. But the commission cannot be less than 390 rubles in both cases. There will be no charge for topping up the card.

Services provided on the youth card of Sberbank

Sberbank is not going to seriously restrict young people in using the services of the institution. Certain features available to other users of classic plastic cards will also be available for this product. Thanks to Youth, you can use the following banking services:

• transfer money to customers of Sberbank or customers of other financial institutions;
• pay for goods and services in stores and online;
• get access to the Mobile Bank and your own account on the site "Sberbank Online";
• use discount and promotional bonus programs from MasterCard and Visa;
• have access to payments through ATMs and "Sberbank Online";
• get the opportunity to urgently withdraw money abroad in case of loss or damage to the card;
• link a plastic card to online electronic money wallets;
• withdraw money in other currencies (conversion will take place at the rate of Sberbank - not the most profitable, but relatively normal);
• use bonus program "Thank you from Sberbank" with full rights.

In addition, for the "Youth" card, you can create a unique design that the user can choose individually. But this service is paid, and it will cost 500 rubles. An individual youth card will not differ in any way from the usual one, except for its appearance. The production time for a card with your own design will be somewhat longer.

The image provided by the client must comply with the internal rules of the bank and the legislation of the Russian Federation.

Unfortunately, the youth debit card does not allow you to open an additional copy to give it to the use of, for example, parents or spouse. Only a regular classic card has this feature.

Maintenance cost

The debit youth card from Sberbank has a reduced service cost, since it is not intended for the most solvent category of the population - young people from 14 to 25 years old. Therefore, you will have to pay only 150 rubles a year for it, unlike a full-fledged card - it has a maintenance cost of 750 rubles in the first year and 450 in the next two.

But a credit card costs the same as a full-fledged one. So there are no differences here - you will have to pay 750 rubles for three years.

Additional services and reissue

If the card is lost, stolen or blocked before the deadline, it can be reissued. It will cost 150 rubles, regardless of the type of product. If the plastic has expired, it is issued free of charge.

In addition, for some actions on the card you will have to pay extra. The following services have a certain cost:

1. Checking the balance on the card in "foreign" ATMs - 15 rubles per request.
2. Obtaining a statement of card transactions at a Sberbank ATM - 15 rubles per request. Only the last 10 transactions will be reflected.
3. Connecting the "Mobile Bank" service with SMS informing - 60 rubles per month. The first two months the service is free. If you turn off SMS informing, you will not have to pay at all.

Naturally, checking the balance at Sberbank ATMs will be free. Also, you will not have to pay interest for paying for services, sending money, etc. within your region. For example, sending money to a classmate at a feast after graduation is not subject to commission. But the transfer from one city to another will already cost 1% of the amount.

How much is a card? How to get a youth card from Sberbank?

To become the owner of a card product for young people, it is enough to go through a standard procedure:

1. Take your passport and walk to the nearest branch of Sberbank.
2. Write an application for a youth card (it is better to check with a consultant that you want a youth card, and not a "full" card).
3. Wait 7 to 22 days(depending on the region and the presence / absence of individual design).
4. Again go to the Sberbank branch and get plastic.
5. Immediately connect to Sberbank Online, Mobile Bank and other services with the help of consultants (if desired).

But for a credit card, the conditions are somewhat different. To receive such a card, you must:

1. Take a passport and a 2-NDFL certificate (from the dean's office if you have a scholarship or from your place of work).
2. Get to the nearest Sberbank office.
3. Write an application and fill out a special form for obtaining a credit card.
4. Wait two days for approval or refusal by Sberbank.
5. If approved, wait until the plastic is manufactured.
6. Come after 7-22 days and pick up the finished card from the department.
7. Connect to the necessary services like "Mobile Bank" if desired.

Upon receipt, almost all banking services that Sberbank is ready to provide to plastic card holders will be opened.

Young people value comfort and reliability when shopping. Domestic bankers have prepared the best bank cards of 2019. The main feature of such options is low service fees and maximum benefit in settlements.

Youth card from Sberbank

In the line of banking products of Sberbank, each client will find a suitable option. The bankers also thought about the youth. A Youth Card has been prepared for them. The "chip" of the offer is an individual design. You can choose it yourself from the bank's catalog or upload an image from your computer, social networks.

The conditions for using a debit card are also attractive:

• service - 12.5 rubles monthly;
• production of a copy with an individual design - 500 rubles;
• user age - 18-25 years old;
• installation of a mobile application on a communicator - free of charge;
• validity - 3 years;
• production time - from 3 to 14 days.

Returns to Youth Card holders to 10% from the amount of purchases in the form of bonuses within the framework of the "Thank you" program.

Debit version of Mastercard Standard Next from Alfa-Bank

• service - 99 rubles monthly;
• the ability to connect additional cards for free;
• the number of additional options - 1 piece;
• accrual of interest on residual funds - 4% ;
• SMS informing - 59 rubles monthly.

Annual balances are accrued to the client of the youth card on a monthly basis.

The service fee is not charged to a person if:

• on the salary card of the bank receives more than 40 thousand salaries and pays monthly purchases in the amount of more than 15 thousand;
• spends on purchases every month at least 10 thousand, and the minimum monthly balance exceeds 30 thousand.

Youth card of Rocketbank "Opening-Rocket"

Youth cards also include another product serviced by Otkritie Bank, only this time under the Rocketbank brand.

Conditions for this card include:

• 6.5% per annum on any balance.
• Cashback up to 10%.
• Free service.
• Free replenishment from 5 thousand rubles and free withdrawal up to 5 times a day.
• Transfer fee is 1.5% for any cards of other banks.

These conditions apply to the free plan. The paid tariff (290 rubles per month) is distinguished by the possibility of free transfer of funds to cards of other banks, free replenishment within any limits and twice the frequency of free withdrawals from ATMs.

It is also possible to open deposits directly in the bank's proprietary application.

Touch Bank World Mastercard card from Touch Bank

Touch Bank offers for young people the option of Touch Bank World Mastercard with the Daily tariff. This is a multi-currency card. Its holder can open an account in rubles, pounds sterling, dollars, euros.

Touch Bank World Mastercard holders receive:

• cashback - 3% for spending in your favorite categories, 1% - for other purchases;
• free cash withdrawal at ATMs of any countries;
• interest on the balance up to 8%;
• interest payment - daily;
• free transfers;
• free replenishment;
• SMS alert - 60 rubles monthly.

Maintenance cost - 250 rubles monthly. The fee is not charged if the average daily balance more than 50 thousand, or the amount of expenses for the month exceeded 30 thousand.

RNCO "Payment Center" and MasterCard "Corn"

Holders of MasterCard "Corn" can pay with a card in any store, institution that accepts payment cards, and receive to a bonus account 0,5% spent amount.

Clients can increase the number of accrued bonuses by participating in promotions and / or special programs. For this you need to pay an additional fee.

If the amount of bonuses on the client's account reaches half a million, the accrual of points will temporarily stop until the balance decreases.

Citizens who use the debit copy can:

• use an overdraft;
• monthly up to 30 thousand cash out for free, if the amount is exceeded, the commission will be - 1% (minimum 100 rubles);
• use the mobile application for free;
• set up auto payments for utilities, phone.