Payment system pro100. Top up your account and withdraw cash from your card. Limits on withdrawals from Momentum PRO100 cards

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 (NSCP), 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, since there are currently no buyers for this product. The main users of PRO100 - sanctioned banks - are already looking for alternatives to this system.

The first deputy chairman of the board of Sberbank, Maxim Poletaev, told Kommersant that Sberbank intends to withdraw from its PRO100 card project. “Obviously, the situation has changed significantly, and we do not see prospects for the development of the project,” he admitted. The project has lost relevance amid the creation in Russia of the NSPK under the Central Bank, which at the end of this year will begin issuing the national “World” card. The issue and acceptance of Mir will be mandatory for all major acquiring banks, which makes the development of their own system impractical. “We are considering several scenarios for exiting PRO100, positive or negative,” Mr. Poletaev told Kommersant, without specifying details. According to Kommersant, they assume 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, Sbercard, which was not widespread 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 introduction of sanctions in March 2014, when the banks SMP-Bank and Rossiya 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 came under sanctions, including in Crimea, began to issue PRO100 cards as exclusively banking cards, since access to issuing cards of other payment systems was closed for them. In August 2014, Sberbank itself tried to support the PRO100 project, announcing the start of their issue.

The Central Bank's launch of the Central Bank's national payment system made further promotion of PRO100 meaningless. According to market participants, it is virtually impossible to realize the positive scenario - the sale of PRO100. “Taking into account the expected launch of NSPK cards, I don’t see a buyer in the market who would now be interested in purchasing a payment application different from the common ones,” notes Yuri Bozhor, vice president of KhMB Otkritie Bank. The only real interests in purchasing PRO100 may be the banks that are now actively issuing these cards - the sanctioned largest bank of Crimea, RNKB, and Rossiya Bank. Since the first issue of national cards is planned for the end of 2015, PRO100 could be useful for these banks for the transition period and for further servicing of issued cards. RNKB did not comment on the possibility of purchasing PRO100. Rossiya Bank did not respond to Kommersant’s request.

The possibility of selling PRO100 specifically to sanctioned players is complicated by the fact that the application runs on the MChip of MasterCard. “PRO100 is not alienable from UEC, it is simply a payment application that can be transferred to the buyer in the form of an exclusive license, that is, the right to use technology,” notes Nikolai Smirnov, chairman of the board of directors of Zolotaya Korona. Whether MasterCard will agree to transfer the rights to use MChip, which underlies PRO100, to sanctioned players is a question. MasterCard did not comment on “rumors and speculation.”

However, sanctioned banks are already looking for a way out of the situation. Rossiya Bank was the first to hedge its bets. 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 (UPS). Until now, ORS, which specializes in merging ATMs of Russian banks, has not announced the issue of cards. In the context of sanctions, the OPC does not try to advertise the innovation. “The company does not have such pilot projects and does not plan,” said Igor Zotikov, chairman of the board of the ORS. However, according to Kommersant’s interlocutors, this project exists, and cards are being issued.

PRO100- payment system of Sberbank of Russia. Available for use via a bank card with a chip.

Sberbank has been developing the PRO100 payment system since 2010. It replaced the Sbercard system, which Sberbank created back in 1993. Due to the fact that the system was based on closed standards, it functioned only in the Sberbank network ” and has not received wide enough distribution. Thus, according to MForum Analytics, in 2010, over 85% of bank card transactions in Russia were serviced by Visa and MasterCard. Of the Russian payment systems, Zolotaya Korona had a share of 4%, and Sberbank had even less.

Since the start of issuing UEC in 2012, several hundred thousand transactions have been completed in the PRO100 payment system developed by Sberbank, which is now being implemented only within the framework of this project. Potentially 3-4 million citizens could become its users.

In the period from October 1, 2012 to February 2013, about 300 thousand transactions were made in the Sberbank network using the PRO100 payment system developed by the bank, Sberbank told CNews, adding that this system is now being implemented only within the framework of the project universal electronic card (UEC).

PRO100 is the only system installed today on legislative level. Based on the PRO100 payment system, the fastest and most inexpensive start of a national payment system is possible. The Unified Payment and Service System UEC includes 14 banks, 4 banks issue cards with the PRO100 payment application - these are the main Russian issuing banks, which account for more than 40% of the entire acquiring market. 359,000 trade organizations accept cards with this payment system. Cards with the PRO100 banking application are accepted in more than 88,000 self-service devices throughout the territory Russian Federation.

Using the system at UEC. Competition with MasterCard

Cards based on PRO100 are not accepted abroad, therefore the procedure for introducing a universal electronic card (UEC), approved by the Ministry of Economic Development, allows for the placement of an additional banking application, with the caveat for using the card outside of Russia. However, Andrey Petkevich, vice-president of UEC, said that the additional application will be linked to the same account as PRO100, and will allow you to pay by card both abroad and in Russia. The choice of card application when making a payment will be carried out by the bank's terminal device.

The latest edition of the UEC rules, also approved by the Ministry of Economic Development, states that participants must place only the PRO100 application on the card. However, already at the turn of 2012-2013. UEC planned to prepare a new edition of the rules. It is possible that it will also include the possibility of adding an international payment application to the UEC.

It is highly likely that MasterCard will be used as an additional banking application on UEC, says Petkevich. He attributes this to the fact that PRO100 is technically based on a MasterCard product. In particular, the Russian payment system uses its M/Chip application, which operates on the basis of open banking standards, which allows the use of existing infrastructure for transactions with PRO100-based cards.

The main difference between the systems is the amount of tariffs for transactions, as well as the fact that payments through PRO100 are processed in processing centers in Russia and information about them is not sent abroad. UEC also has an agreement giving the right to use M/Chip in a universal electronic card.

Lower tariffs will help compete with the foreign analogue of PRO100, according to Sberbank. “In terms of tariffs and conditions of participation, this is a national payment system that is more accessible to participants, whose fair tariffs will allow these cards to be accepted not only in those stores that currently accept international cards, but also in those that currently cannot afford to work with cards and for now they only accept cash,” notes Sberbank.

Now you can pay with a card based on PRO100 at any trade and service enterprises and stores that are serviced by UEC member banks, they say at Sberbank. Judging by official reports, there are only nine of them so far. But for now you can withdraw money from the PRO100 card only in the Sberbank network.

“By the time UEC begins issuing to citizens on an industrial scale, such an opportunity will appear in the network of other banks participating in UEC. The number of participating banks will be several dozen banks, which means several tens of thousands of ATMs throughout the country,” Sberbank assures.

No one hides the UEC’s orientation towards the Sberbank “PRO100” payment system, which seeks to compete in Russia with Visa and MasterCard. The bank is the main driver of the universal card project and, using it, quite naturally strives to increase the number of points in which PRO100 is used.

According to UEC Vice President Alexei Popov, the issued card will use the acquiring network of Sberbank, Uralsib, and AK Bars (two other UEC shareholder banks).

“These are several tens of thousands of self-service devices, as well as many large retail chains, shops, restaurants,” he said in March 2013.

In the first quarter of 2013, as Popov expects, 15 banks will be ready to place their logo on cards.

As of March 2013, the scale of use of PRO100 and the number of points at which you can pay with such cards, even in Russia, are not comparable with foreign competing payment systems. The business of such systems is the interest from the operations that they helped to carry out. In the case of UEC, this is also true - for commercial services, i.e. Any use of the card to pay for non-government services will incur a commission for using the payment application on the card. Its size has not yet been determined.

Sometimes Visa or Master negotiate discounts with points of sale when paying with cards using their system, and now competitors are actively developing contactless payments: PayWave and PayPass, respectively.

The supporting marketing campaigns of foreign payment systems are clear to the consumer: “pay more this month than all your bank’s clients using PayPass and get...”, “pay contactlessly in this cafe and get...”. Also when small amount Contactless payment does not require entering a PIN or signing.

UEC, when explaining to users the need for their card, does not rely on the convenience of the payments themselves, but on the potential presence of other functionality. For example, you can log in to the Moscow government services portal using your card now. In the future, transport, medical and other applications will appear on the map. Competing payment systems are just that: payment systems, and they obviously do not and will not have such capabilities. But they do their job well all over the world.

Another interesting opportunity for the development of the Russian universal card, and with it the Sberbank payment system, is the expansion of the bank’s ATM interface. UEC can easily reach an agreement with the main shareholder. Since the spring of 2013, you can make an appointment at the capital's clinics through bank terminals.

Card usage fee

Servicing bank electronic cards of Visa or MasterCard systems is not free. Potentially, the use of UEC could also become paid, although the likelihood of this is low, said Sberbank Vice President Alexey Popov since March 2013:

“Neither the regions nor the federal authorized organization will charge a fee for servicing the card, but the bank whose account is used to operate the card has the right to charge money for servicing the banking application.”

In his opinion, competition between banks will lead to the fact that the introduction of a fee will not be profitable for them.

First payments

The ability to carry out transactions in the PRO100 system is ensured in the UEC by the presence on the card of an electronic payment application, which is activated exclusively at the request of the applicant. It allows you to use the card to make purchases, pay for goods and services in stores, state duties, taxes, etc. in non-cash form or withdraw cash.

As of January 2013, UEC cards are accepted for payment in more than 99 thousand trade organizations serviced by Sberbank, and their number is growing, the bank says. For example, using UEC you can pay in stores:

X5 Retail Group (Perekrestok, Karusel, Pyaterochka),
Megafon communication salons,
in Euroset and
"Svyaznom"
Eldorado stores and
MediaMarkt.

As other credit institutions join the UEC project, the number of retail outlets servicing PRO100 will only increase. To begin accepting UEC cards for payment at retail outlets, as a rule, no expensive modernization of existing equipment or the purchase of new equipment is required, they say at Sberbank.

The issue of the PRO100 banking application is currently carried out by Sberbank and, since January 2013, also by Uralsib Bank. Sberbank says that other banks participating in the project, of which there are currently more than 20, are now at various stages of readiness to issue and service the card. “Despite this, existing issuers of the electronic banking application of the UEC card are able to fully cover the needs of citizens at the start of the project,” Sberbank adds.

According to UEC, about 13 thousand applications for an electronic card were submitted (as of January 2013). Upon receipt of the card, all these citizens will be able to immediately activate and use the banking application. By the end of the year, UEC expects to issue up to 3-4 million universal cards, and the potential audience of PRO100 users is about 100 million people.

Initially, in accordance with 210-FZ, it was assumed that from January 2014 the UEC will be issued to all Russian citizens over 14 years of age who have not written a statement in advance to refuse to receive it. However, in February 2013 in Kazan, the Minister of Information Technologies and Communications Nikolai Nikiforov said that the UEC will not become mandatory from the beginning of 2014. Later he clarified that the mandatory issuance of electronic identity cards in Russia will remain, but these will be electronic passports, for the issuance of which The Federal Migration Service (FMS) will be responsible. The new date (if it really changes) will be determined by the Federal Migration Service bill, which is currently being discussed with other departments. A direct amendment to 210-FZ, according to him, will not be required. He also emphasized that regions, if desired, do not have to wait for this date and set more early dates mandatory issuance of universal cards.

It is clear that with the development of the Sberbank payment system with the help of the UEC, it will be provided with state support. First of all, from the point of view of making all payments to the state. Federal Law 162 amended the main normative document on electronic government services (210-FZ). From January 1, 2013, the use of the “state information system on state and municipal payments” (GIS GMP) became mandatory for revenue administrators (the so-called government agencies that provide services) and for payment operators (these are banks) in terms of informing about their implementation.

Thus, now all banks are required to transfer information about payments to the GIS GMP. The plans of the Federal Treasury for 2013 include the appearance on the portal of this system, which accumulates all such information, an interface for making payments, including with identification according to the UEC. By logging in with your card, you can find out about your debts to the state and pay them off. The portal of the federal authorized organization itself is also integrated with the GIS GMP, which will allow payments to be made from it as well.

Reincarnation of the old system

Sberbank has been developing the PRO100 payment system since 2010. It replaced the Sbercard system, created by the bank back in 1993. Sbercard was based on closed standards, and therefore could only function in the infrastructure of Sberbank itself and was not widely used. At the time of completion of the project, according to Sberbank, approximately 3.2 million such cards were issued.

PRO100 system cards, in turn, are based on international banking standards, which means they can use the same banking infrastructure as foreign payment systems. At the same time, unlike the latter, payments through PRO100 are made in processing centers located in Russia and are not sent abroad.

Technologically, PRO100 uses the MasterCard M/Chip banking application on cards, based on international standard EMV. The same standard is used by the Visa payment system. It regulates the functionality of universal applications for debit and credit cards, and also establishes rules for the card and terminal when implementing and maintaining this application.

2014: Resuscitation of PRO100

Sberbank expects a significant boost in the development of its PRO100 system. Alexey Popov, vice president of Sberbank, told Izvestia about this in March 2014.

“In connection with the development of the UEC project, many banks have become interested in the PRO100 payment system,” he said. - Now, due to the fact that Visa and MasterCard have blocked payments on the cards of a number of credit institutions, our domestic payment system can receive a significant impetus to development.

Sberbank representatives note that cardholders with the Russian PRO100 payment system will not be affected by American sanctions to block international payment systems.

- Holders of universal electronic cards of the Russian payment system PRO100, issued by Sberbank of Russia OJSC, Uralsib Bank OJSC, AK BARS BANK OJSC and Moscow Industrial Bank OJSC will continue to receive payment services in full, regardless of US sanctions in regarding Russian banks, said Sberbank.

The PRO100 system is included in the register of payment systems registered by the Bank of Russia. Its operator is the federal authorized organization OJSC UEK, and the settlement center is Sberbank. While PRO100, despite lower tariffs than international systems, was not popular with private banks and retail outlets - competitors did not want to develop the state bank project. Some media at the beginning of the year even predicted the closure of the system. But now everything can change, experts are sure.

“While the PRO100 system was just one of the payment systems, there was no point in private banks issuing cards with PRO100 support and promoting its development,” says Maxim Ratnikov, an analyst at the Taxadmin.ru Expert Center. - But now, due to the real threat that any international card could be blocked at any time, PRO100 could be declared national and the government could be involved in its promotion.

In addition, the issue of what payment system will be installed in the electronic passport of a citizen of the Russian Federation, the issuance of which the FMS has planned since 2016, can now be finally closed, Ratnikov is sure.

“In 2013, there were discussions in the government about which banking application to install in an electronic passport, and many were inclined to believe that it would be more logical to link the passport to the international system,” he says. - Now it is obvious that the choice in favor of Visa and MasterСard will definitely not be made.

In the spring of 2014, 14 Russian banks joined the “Universal Electronic Card” (PRO100) payment system, 4 banks issue universal electronic cards with the PRO100 payment application. More than 250 thousand trade organizations of the most significant retail chains accept UEK cards with the PRO100 payment system for payment. In addition, UEC cards are accepted in more than 68 thousand self-service devices throughout the Russian Federation.

Russian banks will be able to speed up the issuance of payment cards based on the PRO100 payment system

The federal authorized organization "UEK" is preparing in March 2014 changes to the Rules of the Unified Payment and Service System "Universal Electronic Card" (PRO100), thanks to which Russian banks will be able to issue their bank cards based on the UEK PRO100 payment system in an even shorter time without being tied to a universal electronic card. Changes to the Rules will be made soon.

In accordance with the requirements established by Federal Law No. 161-FZ of June 27, 2011 “On the National Payment System”, “UEK” is registered by the Central Bank of the Russian Federation as the operator of the “Universal Electronic Card” payment system. Since 2012, its operator has been “UEK” - a federal authorized organization Open Joint Stock Company “Universal Electronic Card”. The functions of the settlement center in the UEC PS are performed by Sberbank of Russia.

The payment system “Universal Electronic Card” (PRO100) includes 14 banks, 4 banks issue cards with the PRO100 payment application - these are the main Russian issuing banks, which account for more than 40% of the entire acquiring market.

359,000 trade organizations accept cards with this payment system. Cards with the PRO100 banking application are accepted in more than 88,000 self-service devices throughout the Russian Federation.

PRO100: conquering the market

As of August 21, 2014, PRO100 is a payment system with all the necessary parameters for sustainable development. It includes a ready-made set of rules, tariffs, modern software and chip technologies (including Russian ones), and, importantly, Russian banks can issue payment cards of the PRO100 system without reference to the UEC.

The first step towards changing the status of PRO100 was made in May 2014 with the release of cards from the Russian National Commercial Bank (RNCB). PRO100 is one of the first major projects on the territory of a new constituent entity of the Russian Federation.

“The PRO100 payment system guarantees uninterrupted operation of cards issued on its basis throughout Russia. There is every reason to believe that in Crimea PRO100 cards will soon become the most common payment instrument for individuals, especially on the eve of the tourist season,” noted Alexey Popov, President of UEK.

At the beginning of the summer of 2014, two more Crimean banks joined the issue of cards based on PRO100 - the Black Sea Bank for Development and Reconstruction (ChBRD) and Morskoy. By the end of June, 333 thousand payment cards with PRO100 had been issued in Crimea, the total number of cards issued based on this payment system exceeded 800 thousand.

In the Crimean region, PRO100 became a system-forming payment system after separation from Ukraine. By the end of 2014, the implementation of the “Universal Electronic Card” project will begin on the peninsula. The state unitary enterprise Krymsvyaz has been identified as the authorized organization that will ensure the issuance, issuance and maintenance of universal electronic cards. The program involves the creation in the region Single center processing and billing (ECPB), on the basis of which centralized accounting of all transactions in the field of housing and communal services, transport, healthcare, education, including services for privileged categories of citizens is carried out. ECPiB can also be a platform for creating a regional information system for housing and communal services within the framework of the GIS Housing and Communal Services.

At the beginning of June, Rossiya Bank connected to the PRO100 payment system. "Bank of Moscow" entered into an agreement with "UEK" to create an inter-host connection, through which mutual acceptance and servicing of bank cards is ensured in the infrastructure of banks participating in the PRO100 payment system.

“By implementing the recommendations of the Central Bank on the construction of inter-host connections, Bank of Moscow provides its customers with additional confidence when using plastic cards on the territory of the Russian Federation. Interhost with [[Universal Electronic Card (UEC)|"UEC"] also opens up new opportunities for the card business of the Bank of Moscow, and the business of our agent banks, to whom we provide sponsorship services," noted Maxim Patrin, vice president of " Bank of Moscow".

According to the Central Bank, as of April 1, 2014, more than 219 million plastic cards were issued in Russia, including about 189 million settlement cards (+13.6 million for the year). Analysts express little doubt that PRO100 will be able to occupy a fairly prominent place in this market.

The PRO100 payment system received the status of nationally significant

In November 2014, the Central Bank of the Russian Federation recognized the “Universal Electronic Card” (PRO100) payment system as nationally significant.

The status of nationally significant will allow the payment system to continue operating without placing a security deposit with the Bank of Russia.

PRO100 meets the basic requirements of the Central Bank: control by residents of the Russian Federation, reliable information protection, Russian software, compliance with the requirements for the legal framework for the use of the main proprietary and licensed components and tools of the payment system.

The UEC PRO100 payment system includes the main Russian issuing banks, which account for more than 50% of all acquiring in Russia. PRO100 cards are accepted by more than 100 thousand cash dispensers throughout the Russian Federation, more than 20,000 branches and operational offices, 500 thousand trade and service organizations. As of October 2014, more than 1.2 million PRO100 cards have been issued.

Under the Central Bank, which at the end of this year will begin issuing the national “World” card. The issue and acceptance of Mir will be mandatory for all major acquiring banks, which makes the development of their own system inappropriate. We are considering several scenarios for exiting PRO100 - positive or negative."

The details are not specified. As of June 2015, more than 2 million PRO100 cards have been issued.

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 introduction of sanctions in March 2014, when the SMP Bank and the national payment system banks that fell under them made further promotion of PRO100 meaningless. According to market participants, it is virtually impossible to realize the positive scenario - the sale of PRO100.

The Sberbank Momentum PRO100 card is a convenient payment instrument with a number of advantages at a low cost of service.

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 that are part of the Universal Electronic Card payment system.

Payment system PRO100

The PRO100 banking project includes many organizations providing 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:

completed within fifteen minutes;
accessible to many - card maintenance costs 300 rubles per year;
The card is equipped with an electronic chip that provides high level security;
The Momentum PRO100 card provides access to any financial transactions.

The high speed of issuing a card is possible due to the fact that it is not named. The card bears the PRO100 logo and 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. An account can only be opened 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 apply for 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 temporary registration, then the application for a debit card will be considered individually and for the most part positively.
The Sberbank Momentum PRO100 card is issued at the nearest bank office. The operator will review the application and process it immediately, within fifteen minutes.

Top up your account and withdraw cash from your card

Momentum PRO100 is used in the same way as other debit cards. If any questions arise, they can be resolved at any bank branch.

Refill

Sberbank offers the following options for replenishing a card account:

through Internet banking system Sberbank Online;
through a mobile application of the same system;
Mobile bank;
through Sberbank ATMs and payment terminals.

You can also deposit cash through payment terminals of other banks or transfer funds from accounts located in other banks.
If you need to make a payment by bank transfer, then you need to have the details of Sberbank of your “native” region, and in the line about the purpose of payment, enter your own last name, first name and patronymic, card and account number.

If we want to top up our account directly at a bank branch, we will need to provide the employee with a passport and indicate the card number.
All information about payments can be obtained:

by requesting payment details by email;
using SMS notifications to a mobile phone about ongoing financial transactions;
you can generate the report yourself in the Sberbank Online system;
You can contact the Contact Center regarding this issue.

Card withdrawal limit

The withdrawal limit for PRO100 is set at 50,000 rubles per day. It should be noted that in the Sberbank system the day begins to count from 00 hours to 24 Moscow time.

Currently, Sberbank has issued a new personal plastic card - pro100. This is a completely new banking product that has already won the attention of Sberbank clients. Let's take a closer look at what a simple card from Sberbank is, what capabilities it has, what it gives to its owner, as well as how to issue 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. To the extent that the account does not provide credit limit there is no need to wait several days for the bank to give a positive response. 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. Card holders can use all Sberbank services - remote services, bonus programs, auto payments.

Please note that citizens of the Russian Federation over 14 years of age can become the owner of a pro100 card from Sberbank.

How to apply for a card and terms of service

It's quite simple go to the branch of Sberbank of Russia nearest to you with your passport and SNILS, income certificates are not needed. There you will write an application for issuing a pro100 debit card, wait 15 minutes and receive the finished product. “Plastic” for instant issue is unnamed, that is, there is no owner’s name on its front side, but it has a high level of security, thanks to the microchip, it is impossible to use it without a PIN code.

Now about the terms of service:

annual service cost 300 rubles;
validity period – 5 years;
overdraft is not provided;
currency rubles;
cash withdrawal without commission at Sberbank ATMs in your region;
replenishing your account through a Sberbank ATM and at the bank's cash desk without commission.

Convenience for use is that replenishing the card account will not be difficult, thanks to the developed network of ATMs of this bank. However, please note that third-party financial institutions may charge transaction fees.

Users can also actively use all the opportunities from Sberbank - carry out transactions without leaving home thanks to Mobile bank and Sberbank Online, participate in the Thank You bonus program from Sberbank, connect auto payments to pay for mobile communications and housing and communal services.

Advantages and disadvantages

As you can see, the Sberbank card simply has great capabilities, it is suitable for any operations - payment for goods and services, cash withdrawals, and at the same time a record low cost of service for the year. Anyone can become its owner, even a teenager aged 14 years. A minimal set of documents allows you to register the product instantly at any time convenient for you.

Please note that the pro100 universal card is suitable for use only in the Russian Federation.

Now about the disadvantages - this is an entry-level card, it cannot be issued as part of a salary project or used to pay for purchases abroad. In a word, it is simply a payment instrument for everyday use. It is signed up mainly by those users who are comfortable with cashless payments in stores and keeping their money in a bank account, because in this way it is easy to save it from theft and loss.

So, the Sberbank pro100 card is an excellent option for novice plastic users. It is ideal for users of any age category. But for those clients who prefer to store funds in foreign currencies or often travel abroad or prefer a higher level of service, this product is unlikely to provide maximum benefit.