Universal electronic card from Sberbank (PRO100) is 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 "exploit" your card, for ordering and paying 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 ticket.
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 logo of the PRO100 payment system.
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. 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 in a non-cash way, using the services of other banks.
Recently, a new payment system has been introduced in Russia, such as the PRO100 universal electronic card, which can be issued at Sberbank and then actively used while traveling. This is especially true in the Crimea.
How to apply for a PRO100 card?
The PRO100 card is a specially created domestic payment system in our country.
Sberbank is issuing such cards, as well as some other banks in the country. Sberbank plans to issue about 1.5 million such cards. This card was created not only to be a payment instrument, but also to personalize its owner. To apply for this card, you should contact the Sberbank branch, after specifying in which bank branches you can get a PRO100 card, since not all offices do this.
The PRO100 card is also designed to perform following functions:
- In cases prescribed by law, the card is an identity document;
- Acts as a policy of compulsory medical insurance and SNILS;
- Performs a function payment card;
- Helps to get the right to public services, payment of various fees.
How to get a PRO100 card? In order for you to be issued a personalized PRO100 card, you must provide complete information about your data, having supporting documents:
- the passport,
- compulsory medical insurance policy,
- SNILS,
Then the bank checks the information you verified, and after a certain time gives you a ready-made card.
Tariffs and conditions for using the card
The PRO100 card is issued by Sberbank free of charge for a period of 5 years. You can cash out the card at any Sberbank ATMs, or using ATMs of other banks that participate in the UEC program - a universal electronic card. Tariffs are set by the banks that installed the ATM.
Other card transactions can also be carried out at the terminals of Sberbank or other banks, or through a personal account on the Internet.
Sberbank issues only PRO100 debit cards, which are divided into three categories: personal, salary and social card PRO100 Standard. Each of them performs its specific functions.
Do other Sberbank cards work in Crimea?
After sanctions were applied to Crimea, international cards stopped working there. Therefore, we introduced the issuance of a PRO100 card, which can be cashed out not only at branches and ATMs of Sberbank, but also at ATMs of other banks that are connected to the UEC program.
However, since April 2015, it is also possible to withdraw money from international cards at the branches of Rossiya Bank and RNCB. The disadvantage of using them is that only a limited number of banks are engaged in their service.
How to replenish the PRO100 card of the Bank of Russia in Crimea
In order to issue a PRO100 card replenishment directly in Crimea, you can use ATMs of banks that are connected to the UEC program. In this case, a certain commission will be charged, the amount of which is set by each bank at their discretion.
You can also transfer to a PRO100 card at the offices of banks that are part of the UEC system. You just need to contact a specialist at the bank who will credit or withdraw your cash from the PRO100 card.
Another option for replenishing a card is to transfer funds from one card to another via the Internet.
Disadvantages of the PRO100 card
Like any new system, the PRO100 card has its drawbacks.
The first and biggest drawback is that the currency for paying for services on this card can only be the ruble.
Thus, purchases in foreign currency in another country are not possible, not even on the Internet, if it is not in rubles.
The second drawback is that, after all, the number of banks serving this system is much smaller, than with other systems.
Also, sometimes there is information that those who are trying to withdraw cash in the Crimea from this card have difficulties, and the operations do not go through. However, Sberbank does not confirm such information, indicating that these are only network problems, not cards.
Benefits for cardholders
The incomparable advantage for those who possess such a card is that no matter how they develop international relationships, this payment system will not stop its work, because it is national.
It is also convenient for organizations, because the commission for transactions with this card is less than with other payment systems.
There is another interesting feature of the PRO100 card. Card issuers promise to accrue 4% per annum on the balance of the card. But at the same time, servicing the card will cost you 300 rubles per year.
Let's summarize:
If you are planning a trip to the Crimea and do not want to carry cash with you, then you will need to issue a PRO100 card. Sberbank, which issues this card, will help you in issuing a card. By providing a small list of documents, you will receive your card for free.
You can cash it in Crimea at Sberbank ATMs or at partner banks. When applying to some partner banks, a commission is charged for the operations performed. Operations on the PRO100 card are made only in rubles, conversion into another currency is not possible. However, if the global payment system collapses, this will not affect your card.
Despite all the promised advantages, the PRO100 card may not always work in the Crimea, this is confirmed by the following video:
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 for making cashless payments on the Web and in ordinary stores, making transfers, paying 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.
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.
note that universal card pro100 is suitable for use only on 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 do not 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.
