Virtual bank card is designed to pay for goods via the Internet. It is usually available without physical media. At the request of the client, the bank can produce a plastic card on which there is no magnetic strip or chip. Using such a tool to pay for goods in retail outlets or to withdraw funds through an ATM will not work, but it will contain the details of a virtual account.
Principle of operation
The peculiarity of the card is that it provides additional protection of funds on the account. To pay for purchases, you need to transfer funds from the main debit card to a virtual account and confirm the purchase with a one-time password. The balance of the virtual account is reset to zero, protecting the details of the main card.
You can set a daily spending limit for this payment instrument and receive notifications about the movement of funds. Such conditions, in particular, provides Sberbank.
Virtual card: how to make
The easiest way to arrange such a tool is to call the hotline. At the same time, you need to have on hand a valid Sberbank debit card. Each client can register only one - Visa Virtual and MasterCard Virtual.
You can apply for a virtual card issue through the Sberbank-Online system. To do this, on the page you need to click on the link “Application” in the operations pane. Next, you must specify the following information:
- Full name, number and date of the document will be filled automatically;
- card type: Sberbank deposit or virtual credit card;
- account currency - only rubles;
- a mobile phone to which the account management service will be connected, where SMS passwords, alerts will be sent;
- mobile operator;
- “Bank Tariff”: “Full” (with subscription fee) or “Economy” (without notification of operations).
After filling all the details you need to click on the "Send" button. The screen will display a page with the entered data.
Modification / confirmation of the application
In order for a virtual card to be issued, Sberbank must receive a confirmed electronic application from the client. To do this, in the form with the details you need to click on the button “Confirm by SMS” and in the next window enter a one-time password. It is important to make sure that the details of the online session coincide with those sent in the form of a message. After confirming the transaction, a virtual credit card will become available. Sberbank gives each client a certain limit on the use of funds. To perform an operation over a fixed limit, you need to contact the call center. In case of detecting errors in the application, you can edit the form by returning to the details page. Here, if necessary, you can print the application by clicking on the button of the same name.
- Sberbank's virtual bank card is available only to current customers of a financial institution.
- To use the service, the client must sign a universal service agreement in any VSP of the capital.
- You must have a valid Sberbank main debit card.
- Connect to account management services.
In Internet banking, all open customer accounts are displayed, as well as a virtual card. “Sberbank-Online” contains detailed information on all expenses on accounts. In the list of accounts the payment instrument is displayed with the “Virtual” sign. In the Sberbank-Online system, you can navigate to the desired page not only using the top and side menus, but also through the links in the page titles. They display the path from the main page to the current one.
You can get detailed information on performing any operation on the “Help” page or from your personal consultant. The online assistant is launched by clicking on the “Frequently Asked Questions” link.
Terms of Service
Having dealt with what a Sberbank virtual card is, how to open it, we turn to the question of using an account. Annual account maintenance costs 60 rubles. Funds are debited from the balance on the day after the card is opened. The account is automatically tied to e-wallets.
Although the card does not have a physical carrier, it is suitable for electronic payments via the Internet. The number and expiration date of the payment instrument is displayed in your account. The security code is sent as an SMS message when the card is registered. The client only needs to enter all the listed details, as well as their full names when making the payment. How long does a virtual card last? Sberbank allows its customers to use a virtual payment instrument for three years. You can replenish your account in a cashless way through Sberbank-Online or self-service terminals.
The need for reissue may arise not only upon the expiry of the card, but also in the event of the loss of its details, for example, a security code. What to do if a virtual card is lost?
Sberbank re-issues automatically. Wherein:
- account number does not change;
- the validity period is extended;
- a new security code comes in the form of an SMS message to the specified phone number.
It is best to understand the process of using the card by a specific example. Suppose a customer wants to pay for train tickets through the website of the company-seller. After hearing a story about the theft of funds from a plastic card, the client does not wish to indicate the details of the payment instrument on an unfamiliar website. Moreover, after the completion of the operation, a considerable amount will remain on the account.
In this case, he can issue a virtual card, transfer the necessary amount of funds to it and pay for the tickets. The transaction will involve the details of the virtual account. Upon completion of the operation can be closed virtual card. Sberbank allows customers to open and close cards an unlimited number of times. But at the same time one can be opened - Visa Virtual and one MasterCard Virtual.
How to close an account?
To block a card, for example, in the case of a lost security code, you need to call the bank help desk. You must first transfer all funds from the electronic account to the main one. This can be done through the Sberbank-Online system.
Normal VS Virtual Card
The table shows the comparative characteristics of the two payment instruments.
Despite all the advantages described, using the card is not as convenient as it can show at first glance. What are the disadvantages of a Sberbank virtual card? Customer reviews confirm that storing the security code separately from the card is very inconvenient. By the time of purchase, it is most often lost. The card has to be blocked, issued a new one and paid an additional 60 rubles per issue.
The second disadvantage is that the card can be issued only in rubles. Paying for purchases in foreign stores is more convenient with a currency card. So, customers also have to pay for conversion of funds. A virtual card account can be replenished through the terminal. But with this operation sometimes there are problems. The system simply does not find the account holder and gives an error that the entered card number does not exist.
Summarizing all the above, we can conclude that the virtual card is useful to customers who often make purchases over the Internet in rubles and do not want to show the details of the main payment instrument.