Of all of today's most popular banking products are plastic cards.They almost did not differ in their appearance and on the methods of use.But still there is a so-called virtual card, which should be discussed separately.
What the card and what is it for?
special cards for quick and secure payment for purchases via the Internet is a virtual card.Sberbank and other banks thus provide an opportunity to pay for staying in a hotel, to make acquisitions in various online stores, as well as buying tickets for plane or train.Furthermore, the map data on its specified when this is not necessary.
Typically, the virtual card does not have a physical medium, that is, instead of the usual rectangular piece of plastic to the client provided only details necessary for payment of services through the Internet.These include the period of validity of the card, its number and the security code of three digits.
How to make a card?
Obtaining such a card does not imply any complex procedures.This can be done even through the Internet, ATM, instant payment terminal or by phone.Each of the banks' own way of registration, so you should first clarify what is used in your choice.Most financial institutions, there are several methods of opening of such cards.
Virtual Card Savings Bank is not released physically, but there are some financial institutions that still do it.But here everything is a little different than a normal card.Client on hand to extend the usual piece of plastic without any holograms, magnetic stripe or chip.Pin code in this case will also be absent as withdraw cash and pay for purchases in retail stores on such cards can not.The front side has all the necessary payment information: the card number, expiration date, security code, and the name of the holder.To order a card, just make a phone call, but the receipt is required to contact the bank.Then you will be given a virtual map of the Savings Bank.Registration takes just a few minutes.
Some lenders even open a separate account for the virtual card, others require an existing account or a valid card.And some banks, such as the card is issued in addition to the already existing.
it safe to use a virtual card?
main advantage of which is a virtual map of the Savings Bank and other banks for payment settlement is carried out safely on the Internet.The whole point is that it can be configured for a specific payment, and even when it is accessed by hackers they can not use it.
If the customer wants to deposit a large sum, most banks allow you to set a specific limit, you can not spend more than that.Some financial institutions to set a maximum limit on the flow of funds in the last month alone.
Among banks also given permission to lock and unlock the card as necessary, while others may be just closing.
How can I fill up a virtual card?
Due to modern banking system to make a transfer of funds from your account to a virtual or just make him the cash is not a problem.This can be done through an ATM, Internet service bank at the box office, via SMS-notification, and so on.
In what currency the account is opened?Usually
Bank charges for payments via the Internet on a virtual map.If it will, then a small amount.Individual attention, such transactions under which the account currency and buying is not the same.In such situations, the Bank will be charged for conversion.For this reason, the majority of users, who are actively buying something on the Internet, make out several cards in different currencies.
use virtual card through the Internet
Virtual map of the Savings Bank and its use over the Internet is very relevant today.According to the statistics of payment systems, today there is a steady increase in sales over the Internet.Just three years ago, our country has become one of the five leaders of the virtual shopping.Online stores offer a variety of options for consumers to pay for purchases.Banks also, consequently, made the development of new tools.One of them is a virtual map of the Savings Bank.
details for payments
name cards alone speaks for itself.It can not hold in your hands, in your hands or wear a purse, but some banks and provides a plastic version.Despite the fact that the official website of the Savings Bank, there are pictures of samples of virtual plastic cards, in fact, these products do not have the physical media.Virtual payment instruments are intended only to make purchases online.
virtual bank card Savings Bank, like any other, has a number consisting of sixteen digits, expiration date and security code of three digits.When making cards last props you can get on your mobile phone by sending SMS messages.In addition, it indicates the name and also the name of the card holder at checkout.They should be written in Latin letters.
Under what conditions is available?
virtual card issued by the Savings Bank of the current customers of the bank who have a debit card in the hands of the financial institution released to the universal banking service contract.In addition, the holder must activate the service SMS-information and to register in the Internet bank.
Many customers ask: how to make a virtual map of the Savings Bank?To do this, you need to contact the contact center of the Savings Bank and dictate details of a plastic debit card.If necessary, you can also take a lock previously released copies of the order and re-issue cards early.Unfortunately, to date, to provide virtual card is only Moscow residents.
Pilot use of cards
It is also said that the bank rates Sberbank project virtual cards has stipulated as a pilot.Judging by the reviews of customers who already use such cards, the bank's specialists have more to finalize.The need to address technical difficulties, learning desires of consumers, in general, bring products to perfection.
Today Sberbank virtual card is issued only in rubles, it is valid for three years, and the service costs 60 rubles.Reissue of the card is free of charge, but during the operation due to the change in the names of commission rate of 30 rubles.
Also on the operations that are carried out through the Internet, to establish certain daily limit.It is not more than three hundred thousand per day.
Operations on these cards can be carried out in rubles, dollars and euros.Amounts off and transfer the bills when converting formulas are calculated separately for each currency.Exchange rates are determined daily by the bank.With debit transactions in euro on the cards "Visa" to the amount of purchase is also added conversion fee.It is 0.65% of the amount written off.
How to open a virtual prepaid card of the Savings Bank?
According to the Bank, and provided such cards.They have a payment system, "Visa".They also lack a traditional plastic medium, and they are intended to make purchases on the web.
Any client can issue an unlimited number of cards.The maximum limit of the account is the sum of 15 thousand rubles, and the minimum - 200. For the reason that the card is not a noun, it is possible without clearance documents.All you do is go through the activation.Card issuance is free, there is no fee for annual maintenance.
Unfortunately, recharge is already billing is not provided.The balance of the account can be viewed on a special sberbankovskom site or learn in the contact center.
