Currently, Sberbank has issued a new personal plastic card - pro100. It's brand new banking product, which has already won the attention of Sberbank customers. Let us consider in more detail what a simple card from Sberbank is, what opportunities it has, what it gives its owner, as well as how to design it and other nuances.
About the map
A distinctive feature of this product is that you can get a card in just a few minutes at any bank branch. Insofar as the account does not provide credit limit there is no need to wait several days for the bank to give a positive answer. The Pro100 card is a debit card, which means it is an ideal payment instrument and a reliable way to store your own funds.
But these are not all the advantages of the product, it is available to absolutely everyone, regardless of age and financial situation. Cardholders can use all the services of Sberbank - remote services, bonus programs, auto payments.
Please note that citizens of the Russian Federation over 14 years old can become the owner of a pro100 card from Sberbank.
How to apply for a card and terms of service
Everything is quite simple go to the branch of Sberbank of Russia closest to you with a passport and SNILS, income statements are not needed. There you will write an application for issuing a pro100 debit card, wait 15 minutes and receive the finished product. "Plastic" instant issuance unnamed, that is, on its front side there is no owner's name, but it has high level security, thanks to the microchip, it is impossible to use it without a PIN code.
Now about the terms of service:
- the cost of annual maintenance is 300 rubles;
- validity period - 5 years;
- overdraft is not provided;
- currency rubles;
- cash withdrawal without commission at Sberbank ATMs in your region;
- replenishment of the account through an ATM of Sberbank and at the bank's cash desk without commission.
Ease of use is that replenishing the card account is not difficult, thanks to the developed network of ATMs of this bank. But please note that third-party financial institutions may charge a transaction fee.
Also, users can actively use all the opportunities offered by Sberbank – carry out transactions without leaving home thanks to Mobile Banking and Sberbank Online, participate in the Thank You from Sberbank bonus program, connect auto payments for mobile communications and utility bills.
Advantages and disadvantages
As you can see, the Sberbank card simply has great potential, it is suitable for any operations - payment for goods and services, cash withdrawals, and at the same time, a record low maintenance cost for the year. Anyone can become its owner, even a teenager at the age of 14. The minimum set of documents allows you to issue the product instantly at any time convenient for you.
Please note that the pro100 universal card is only suitable for use in the territory of the Russian Federation.
Now for the downsides - this card entry level, it cannot be issued as part of a salary project, used to pay for purchases abroad. In a word, it is just a payment instrument for everyday use. It is issued mainly by those users who are comfortable with cashless payments in stores and keeping their money in a bank account, because, in this way, they are easy to save from theft and loss.
So, the pro100 Sberbank card is a great option for novice plastic users. It is ideal for users of all ages. But for those clients who prefer to hold funds in foreign currencies or travel abroad frequently or prefer a higher level of service, this product is unlikely to bring maximum benefit.
Sberbank may part with its PRO100 card project, which it has been developing since 2010. In the context of the launch of the National Payment Card System (NSPK), the state bank considered it inappropriate to support and develop its similar project. The most likely outcome for PRO100 will be the closure of the project, as buyers this product not now. The main users of PRO100 - sanctions banks are already looking for alternatives to this system.
Maxim Poletaev, the first deputy chairman of the board of Sberbank, told Kommersant that Sberbank intends to withdraw from its PRO100 card project. “Obviously, the situation has changed significantly, and we do not see any prospects for the development of the project,” he admitted. The project has lost its relevance against the backdrop of the creation in Russia of the NSPK under the Central Bank, which at the end of this year will begin issuing the national Mir card. The issue and acceptance of Mir will be mandatory for all major acquiring banks, which makes it inexpedient to develop our own system. “We are considering several scenarios for withdrawing from PRO100, positive or negative,” Mr. Poletaev told Kommersant, without specifying details. According to Kommersant, they involve the closure or sale of the project.
The PRO100 project was launched in 2010. This is Sberbank's own payment application used in the Universal Electronic Card (UEC) project, which is controlled by Sberbank (86.8%). PRO100 replaced Sberbank's previous card project, Sberkart, which was not widely used and was closed in 2012. To date, more than 2 million PRO100 cards have been issued.
Banks showed no interest in issuing PRO100 cards before the sanctions. Initially, Sberbank planned to distribute PRO100 as part of the mandatory issuance of cards (UEC) to all citizens with the PRO100 payment application. However, later it was decided to issue the UEC only on a voluntary basis. The revival of interest in the project was facilitated by the imposition of sanctions in March 2014, when the SMP-Bank and Rossiya banks that fell under them were disabled by Visa and MasterCard. They were able to ensure the operation of their cards by connecting to the UEC. Subsequently, banks that fell under sanctions, including those in Crimea, began issuing PRO100 cards as exclusively banking ones, since access to issuing cards of other payment systems was closed to them. In August 2014, Sberbank itself tried to support the PRO100 project, announcing the start of their issue.
The launch by the Central Bank of the national payment system of the Central Bank made it meaningless to further promote PRO100. According to market participants, it is actually impossible to realize a positive scenario - the sale of PRO100. “Given the expected launch of NSPK cards, I don’t see a buyer on the market who would now be interested in buying a payment application different from the common ones,” says Yuriy Bozhor, Vice President of KhMB Otkritie Bank. The only real interest in purchasing PRO100 may be banks that are now actively issuing these cards - the sanctioned largest bank in Crimea, RNKB, and Rossiya Bank. Since the first issue of national cards is scheduled for the end of 2015, these banks could benefit from PRO100 for the transition period and for further servicing of issued cards. The RNKB did not comment on the possibility of buying PRO100. Rossiya Bank did not respond to a request from Kommersant.
The possibility of selling PRO100 specifically to sanctioned players is complicated by the fact that the application works on the basis of MasterCard's MChip. “PRO100 is not alienable from the UEC, it is just a payment application that can be transferred to the buyer in the form of an exclusive license, that is, the right to use technologies,” says Nikolay Smirnov, Chairman of the Board of Directors of Golden Crown. Whether MasterCard will agree to transfer the rights to use the MChip underlying the PRO100 to sanctioned players is a question. MasterCard declined to comment on "rumors and speculation."
However, the sanctions banks are already looking for a way out. It was Rossiya Bank that was the first to insure. As Kommersant was told at the bank's call center, cards of two systems are issued there - not only PRO100 cards, but also the United Settlement System (ORS). So far, ORS, which specializes in combining ATMs of Russian banks, has not announced the issue of cards. In the ORS, under the conditions of sanctions, they do not seek to advertise the innovation. “The company does not have such pilot projects and is not planning to,” said Igor Zotikov, chairman of the board of ORS. However, according to Kommersant's interlocutors, this project exists, and cards are being issued.
A universal electronic card from Sberbank (PRO100) is a round-the-clock access to various financial, state and municipal services and options.
The “life” of the electronic map was given by the Federal Law on the “Organization of the provision of state and municipal services”.
What are the main tools contained in the map?
- Full payment bank card(debit) ;
- Compulsory health insurance policy;
- The card contains data that can verify your identity;
- The plastic contains the parameters of the Pension Insurance Certificate;
- The card can be used to pay taxes, duties (including online payment for services);
In other words, UEK PRO100 is not only a Sberbank debit card with payment capabilities, but also a carrier of your personal information.
in graphics and information form, the plastic contains all important information about the user: full name, photo and gender of the client, date of birth, SNILS data, compulsory medical insurance policy number, details of the electronic banking application, and the "horse of options" - a qualified electronic signature.
How to get an electronic card? Payment system PRO100
To get this plastic, you need to come to the Sberbank office, which is issuing this card (check in advance).
In advance, in order not to visit the bank several times, we take the following documents with us: Passport of the Russian Federation, pension insurance certificate, compulsory medical insurance policy, SNILS (other documents may be additionally needed, be sure to check this by calling the Sberbank hotline) .
UEC is serviced by the Russian payment system PRO100. Whether this is good or bad is up to each individual.
But at present, there is a tendency to replace foreign payment systems (in particular, giants: VISA and MasterCard) with domestic ones. The development of the "Russian answer" is in full swing.
But while these "super cards" are at the testing stage.
PRO100 card parameters
The card is valid for 5 years, issuance and maintenance is free (if you wish to issue an electronic signature, you will need to pay a little).
The currency of the card account is rubles. Plastic is equipped with an electronic chip, for reliable protection from hacking.
Release additional cards- not provided.
Where can UEC be used?
1. You can "operate" your card to order and pay for certificates and documents through municipal and state institutions.
2. Benefits and various social payments can be transferred to the card.
3. Monitor the progress and attendance of your child.
4. Use the card as a transport pass.
5. To register remotely with a doctor, you will have access to the entire list of medical services for CHI.
6. Conclusion of a CASCO insurance contract, travel services, and insurance of Citizens traveling abroad.
7. Use the services "Sberbank Online" and " Mobile bank”, pay utility bills, make any transfers.
8. Withdraw cash from ATMs with the PRO100 payment system logo.
What to do if the card is lost?
If you have lost your electronic card, then it must first be blocked.
In order not to waste time on blocking instructions, we advise you to immediately call the hotline: 8 800 555 55 50 (call within Russia without payment).
Bank employees will urgently block the electronic banking application, thereby securing your data and financial resources.
How to top up the UEC PRO100 card?
It is most convenient to replenish the card in the following ways:
1. By transfer from a Sberbank debit card.
Available: through Sberbank Online, Mobile Bank, and through self-service devices (ATMs).
2. You can deposit money to an electronic card account, through ATMs and self-service devices, with a cash-in function.
3. And the third way replenish your card - this is the deposit of money by bank transfer, using the services of other banks.
Payment system "PRO100": reviews. Sberbank PRO 100 card
Despite the fact that many skeptics argued that it was impossible for Russia to quickly create its own payment system, it started working just 3 years after the start of the project. The project was completed in the shortest possible time thanks to the efforts of thousands of people involved in it. And now the Russian Federation may not depend on the Visa and MasterCard systems. The PRO100 payment system has already issued over a million cards. Moreover, already existing Sberbank cards can also work in the system.
Why is the PRO100 system needed?
The dependence of Russian banks on Visa and MasterCard payment systems was noted by the Central Bank back in 2013, when there were no problems with them yet. Domestic economists expressed concern that the management of such cards, of which there were more than 90% of the total in the country, is administered by foreign financial institutions. Since then, much more attention has been paid to the work on the national payment system (NPS) than before. Although PS UEC (payment system "Universal Electronic Card") "PRO100" was registered as a Russian operator back in 2012. At present, such cards, operating on M/Chip technology (which is easily compatible with the generally accepted Mastercard standards when banking structures refine their software), can be used to pay in most retail outlets in Russia and domestic banks.
"Just" and NPS
It was believed that the PRO100 payment system would eventually become a real national payment system. However, in April 2014, the Central Bank made a statement about the impossibility of this. So far, neither the Russian payment system "PRO100" nor any other domestic PS can become national for a fairly simple reason. All of them use programs licensed by MasterCard to operate. And although the release of chips for cards is made in the Russian Federation, applications for them are made abroad. This was done for the convenience of combining old standards with new ones. Indeed, the transition from Visa and MasterCard to PRO100 was quite easy, but it has not yet been possible to make an NPS out of it.
Features of the PRO100 card
The ability of a person who has a PRO100 card (Sberbank) includes:
- Cash withdrawal from more than 100,000 ATMs throughout Russia.
- Replenishment of bank accounts and payment for various services (including municipal and state, such as issuing a passport or obtaining a certificate) in about 20 thousand terminals.
- Instant payment for goods and services in the most popular Russian retail chains, including MediaMarkt, Euroset, Svyaznoy and Megafon. Also, the PRO100 card (Sberbank) makes it possible to pay for the purchase in more than 500 thousand organizations throughout Russia.
- Receiving a salary, as well as payments or benefits.
- Replenishment of the phone account and Internet provider services.
- Non-cash payment of fares in public transport.
- Transferring money to other cards (in this system or in others).
- Monitoring the child's school attendance and progress.
Payment for services using a payment system can also be made via the Internet (for example, on the Sberbank website, which provides the maximum range of options, including Auto Payment and Sberbank Online @ yn). In addition, the card, at the request of the owner, can be provided with an electronic signature, which allows expanding the list of actions performed with its help. But already in the online store, in domestic or foreign, the system will not allow you to pay. Moreover, it is impossible with its help to pay for a purchase or service abroad. Also, the card will not work with terminals and ATMs of those financial institutions that are not connected to the PRO100 system.
There are several types of payment cards in the PRO100 system (Sberbank): debit (settlement), payroll (one of the varieties of which can be corporate), credit and pension (social). All of them are serviced by Sberbank of the Russian Federation and several other Russian banking structures. In order to accept the card, the bank must be among the organizations participating in the PRO100 system.
Credit cards "PRO100" are not issued by all banks participating in the system, therefore, to guarantee their receipt, it is worth contacting Sberbank or clarifying the possibility and conditions for issuing them by other banks on the websites of these organizations.
How to get a card?
To obtain a standard universal card, you should:
- contact Sberbank;
- present all necessary documents (including a passport, SNILS insurance certificate and compulsory medical insurance policy);
- fill out an application for a card and put a personal signature;
- receive the card on the same day.
The PRO100 card (Sberbank) may also be issued by other participating banks, the issuance dates for which may differ. You do not need to pay for it, and the validity period is 5 years.
Banks in the system
To date, the PRO100 payment system of Sberbank includes (in addition to the main bank of the country) another 19 participants. And due to the fact that they own more than 2/3 of the total number of ATMs located on the territory of the Russian Federation, using the system is quite convenient.
The system includes: Bank of Moscow, JSB Rossiya, Center-Invest, Moscow Industrial Bank, Khakass Municipal Bank, Surgutneftegazbank, Almazergienbank, AVB Bank, Khanty-Mansiysk Bank, Northern Credit and several others. All of them do not charge a commission for receiving money through their ATMs. When withdrawing funds from the PRO100 card using a bank terminal that is not included in the system, a commission may be charged in the amount determined by the organization that issued the card.
PRO100 in Crimea
Since recently, the PRO100 payment system has been operating in the Crimea, as well as in Sevastopol. The emission of the project in the region began in May 2014. And by 2015, the total number of cards exceeded half a million. At the same time, the system is so far the only and uncontested option for the peninsula, since as a result of US sanctions, MasterCard and Visa do not work here. You can withdraw money from the PRO100 card in Crimea using more than 350 ATMs, 240 bank branches and more than 1,500 terminals reprogrammed for the system.
Reviews about the PRO100 system
After the PRO100 payment system was introduced, a part of the Russian population had questions about the possibility of using it abroad. Users are also interested in other issues related to these cards.
Today, the only currency used by PS (and in which, accordingly, you can keep money on your PRO100 account) is the ruble. This means that with their help you can neither pay abroad, nor carry out any currency operations. However, experts do not consider this feature of the card a big disadvantage. According to them, if desired, any Russian citizen traveling abroad can withdraw money from the account and exchange it here at a more favorable rate. Whereas, having left the country, one would have to transfer rubles to other currencies using less attractive offers from foreign banks and exchange offices.
And yet, the user reviews expressed about the PRO100 speak of the need to use other currencies. According to them, a system that is not compatible with the main world (and not just Russian) banking structures does not deserve attention.
So far, there is not enough to implement plans that could satisfy users technical capabilities, no infrastructure, no specialists capable of programming and debugging PRO100 equipment. And the system will have to be introduced first on the territory of Russia, providing software, personnel and processing centers. This may take more than one year, and after completion, domestic technologies will not necessarily be compatible with foreign ones. Perhaps for this reason, some users, guided by the reviews of other customers or their own experience, will continue to use the MasterCard and Visa systems, which have not completely left the Russian Federation.
In this article, we will consider a topic that is not yet so common in Russia - the Sberbank pro100 momentum card. In addition to the main question, we will give you information on the following points: how to use the Sberbank momentum pro100 card, personal account, momentum pro100 card - withdrawal limit, and so on. In general, we will try to fully present this financial product to you so that you can decide for yourself whether you need to get such a card or not. For the convenience of making your decision, we will make a section that will focus on the disadvantages and advantages of the Sberbank pro100 momentum card. But first things first.
Sberbank pro100 momentum card
The modern world is becoming more and more integrated, becoming more and more connected. This is a trend of our reality, and probably it is good, because the exchange of information, the establishment of contacts between countries, the conclusion of partnerships have a beneficial effect on all parties and on human progress as a whole. We are now, of course, considering international relationships. Payment systems can be cited as an example of global integration. PayPal, Qiwi and others are already tightly entering our lives, and so much so that we can no longer even imagine ourselves without these innovations. The topic that we are raising today also applies to payment systems - the Sberbank pro100 momentum card. And undoubtedly modern man you need to know about it in order to be able to use it in case of emergency. In addition, the card is issued by the most common bank in the Russian Federation - Sberbank.
Why are we writing about the Sberbank pro100 momentum card? The fact is that this card is not so widespread in Russia. And in vain, because in some aspects the Sberbank pro100 momentum card is ahead of its competitors. Even if you take the security of financial savings. And here the Sberbank pro100 momentum card is in a winning position. But we will talk about this a little later, in a separate paragraph of our story.
Also, the answer to the question why we are writing about the Sberbank pro100 momentum card can be stated as follows: this banking product based on the Universal Payment Card payment system does not depend on the state of relations between Russian Federation and Western countries. This is perhaps the most significant plus of the Sberbank pro100 momentum card, which is still gaining its strength. Everyone knows that Visa and MasterCard are Western companies that control non-cash payments around the world.
Against the backdrop of recent events (we mean the aggravation of the situation in Ukraine, sanctions against Russia, and so on), our country finds itself in some kind of isolation, which may lead to the fact that Visa and Mastercard will break all agreements and agreements with the Russian Federation
That is why we recommend that you take a closer look at the Universal Payment Card payment system and the Sberbank Pro100 Momentum card right now. But from the introductory part, we will now move on to a detailed discussion of our main topic- Sberbank pro100 momentum card.
Sberbank card momentum pro100 - reviews and opinions
If we talk about reviews of this card, then you can get absolutely polar opinions. We will not quote here people who use the Sberbank Pro100 Momentum card, because this way you will not be able to form your own opinion. Rather, we will list the pros and cons of this product so that you can draw your own conclusions based solely on your perception. We will devote the next section to this, but for now, let's give information for the uninitiated - some definitions and a little bit of history.
What is Pro100? This is a kind of application for payments, "attached" to the UEC. UEC is, as we mentioned above, a "universal electronic card", which is a relatively new payment system in the Russian Federation. The UEC payment system originates back in 2012, when it was registered among other payment systems approved by the Central Bank of the Russian Federation.
Currently, this payment system is just beginning to spread in Russia and is still at the stage of refinement and improvement. But in the future, the Sberbank pro100 momentum card will have a chip created in the Russian Federation, which will contain information about the pro100 payment application.
Sberbank card momentum pro100 - pros and cons
So, as we promised, let's spend short review Sberbank pro100 momentum cards. So what positive points is in this financial product:
- As we have already mentioned, this payment system will transfer the new political and financial conflicts between the Russian Federation and the West quite smoothly.
- For companies from the trade and service category using the Sberbank pro100 momentum card, commission deductions will be much lower than in the case of Visa and Mastercard cards
- For a bank, accepting a payment card UEC systems also provide significant benefits and bonuses: you do not need to purchase new equipment to issue the same cards as the Sberbank Pro100 Momentum card, because the Mastercard platform is suitable for this payment system. Account balances will be noticeably increased, increase in the level of non-cash turnover and much more
Now let's analyze the negative aspects of using the Sberbank pro100 momentum card, and it is exactly one:
- You will not be able to use this card in other countries
Sberbank card momentum pro100 - how to use
Now let's take a look at some key points using a Sberbank pro100 momentum card. The card is accepted by any Sberbank ATM. By the way, you can get a Sberbank pro100 momentum card within fifteen minutes at any nearby branch.
But you need to know the fact that cash cash cannot be issued to you through a Sberbank payment terminal. For such transactions, you need to use, of course, an ATM.
Sberbank customers can issue plastic cards of various payment systems and types. Sberbank PRO100 Momentum cards are convenient and multifunctional means of non-cash payment for goods and services.
The PRO100 system is being actively implemented in last years on the territory of Russia and in many places has already supplanted well-known international analogues. Sberbank is also directly involved in this process, issuing and promoting plastic cards. PRO100 cardholders have the opportunity to withdraw cash without commission at ATMs of banks included in the Universal Electronic Card system
In connection with the increasing problems with international organizations, major domestic financial companies decided to develop, implement and promote their own payment system. Today, the project is supported by hundreds of companies across the country. Gradually it displaces international systems from most areas and will soon become the market leader. 
Sberbank PRO100 Momentum cards
Payment system PRO100 works with different types cards. The Momentum series has whole line advantages:
- an application for receipt is processed in 15-20 minutes;
- costs only 300 rubles annually;
- cards have an embedded chip, which increases data protection from unauthorized persons;
- "Momentum" are universal cards to make cashless payments on the Web and in ordinary stores, make transfers, pay for services, fines, taxes, loans.
The speed of receipt and the minimum of formalities often play a decisive role in choosing a card. 
Thanks reward program on PRO100 cards
Sberbank PRO100 Momentum cards participate in, which allows you to accumulate points on a special account. Then these bonuses can be spent in stores included in the affiliate program.
The validity of the card is 3 years. It is listed on the front of the card. At the end of the term, you should order a reissue of the card at the bank, by phone or via the Internet.
The cards are intended for use on the territory of Russia, therefore they work with the national currency - rubles.
Conditions for issuing a Momentum card
- The owner must be over 14 years of age.
- Be a Russian citizen.
- Have a residence permit on the territory of the Russian Federation.
If the above conditions are not met, the card can be issued after consideration of the application by the branch management.
To apply for a card, you should take your passport with you. A bank employee will help with writing an application and drawing up a service agreement. The procedure takes up to 20 minutes. Then a card and a PIN code for it are issued.
How to replenish the PRO100 card
Money can be deposited into your account in a variety of ways. Working with Momentum is practically no different from other Sberbank cards.
You can choose one of the available replenishment options:
Sberbank tries not to limit its customers and provides various options. I would also like to remind you that when visiting a bank, you should always take an identity document with you, for example, a passport. You can control the operation of Momentum PRO100 cards through Personal Area, mobile banking or Contact Center.
Withdrawal limits from Momentum PRO100 cards
The amount of 50 thousand rubles is set as a daily limit. The day ends at 00:00 Moscow time.
The Sberbank Momentum PRO100 card is a convenient payment instrument with a number of advantages at a low maintenance cost.
With the Momentum PRO100 card, you can pay for purchases and services, withdraw cash from Sberbank ATMs without commission, as well as from ATMs of other banks included in the Universal Electronic Card payment system.
Payment system PRO100
The PRO100 banking project includes many organizations that provide a full range of financial services. It is believed that this Russian payment system will gradually take over domestic financial flows from Visa and Mastercard.
Advantages of the Momentum PRO100 Card
The Sberbank Momentum PRO100 card has undeniable advantages:- issued within fifteen minutes;
- available to many - card maintenance costs 300 rubles per year;
- the card is equipped with an electronic chip that provides a high level of security;
- Momentum PRO100 card provides access to any financial transactions.
The high speed of issuing a card is possible due to the fact that this card is unnamed. The card has the PRO100 logo, it is accepted for payment in all places included in the UEC payment system.
Card expiry date
The Momentum PRO100 card is issued for a period of 3 years. The account can be opened only in rubles. The following additional services can be connected to the card at any time:- bonus program Thank you from Sberbank;
- Internet banking from Sberbank Online;
- Mobile bank;
- auto payment for payment of all types of payments, incl. traffic police fines.
How to issue a card
Any citizen of the Russian Federation who has reached the age of 14 and has a permanent place of registration in the country can apply for a Momentum Pro100 card.
However, if there is only a temporary registration, then the application for a debit card will be considered on an individual basis and for the most part positively.
The Sberbank Momentum PRO100 card is issued at the nearest bank office. The operator will consider the application and issue it right there, within fifteen minutes.
Account replenishment and cash withdrawal from the card
Momentum PRO100 is used in the same way as other debit cards. If you have any questions, they will be helped to resolve in any branch of the bank.Refill
Sberbank offers the following options for replenishing a card account:- through Internet banking of the Sberbank Online system;
- through mobile app the same system;
- Mobile bank;
- through Sberbank ATMs and payment terminals.
If you need to make a payment by bank transfer, then you need to have the details of the Sberbank of your “native” region, and in the line for the purpose of the payment, enter your own last name, first name and patronymic and card and account number.
If we want to replenish the account directly at the bank branch, then we will need to provide the employee with a passport and indicate the card number.
All information about payments can be obtained:
- making a request for details of payments by e-mail;
- via SMS notifications mobile phone about ongoing financial transactions;
- you can generate a report yourself in the Sberbank Online system;
- You can contact the Contact Center about this.
