Sberbank cards: replacing them in different situations

Sberbank has almost every Russian card . This is one of the most popular and reliable financial institutions, which millions of citizens and companies trust their money. Payment plastic is issued for a certain period of time, after which it becomes necessary to replace the card. In case of unplanned events: loss, damage, blockage, change of name and other situations, they also re-issue the Sberbank card. Replacement is carried out in one of the bank branches. What needs to be done for this procedure, we will consider in the article.

Planned reissue

Sberbank issues cards with a validity of one to three years, depending on the type of plastic chosen. The procedure is provided for security and protection against theft of funds. Planned replacement of cards of the Savings Bank is carried out only in one case - after the termination of its validity. The date of the next re-issue is indicated on the front side of the plastic next to the inscription Good thru (Valid thru) in the format "month / year". The bank warns the user by SMS notification for a couple of months before the scheduled replacement.

If the owner did not manage to get a new plastic, then the expired card is blocked. Use it will not work, but the money stored on it, will not disappear. They will be in the bank account.

What to do with an overdue card?

A bank customer has several options in this case. To begin with, you need to decide whether the holder needs a card in the future. Sberbank does not impose its products, therefore, when the next replacement period is suitable, a person has a choice:

• Continue cooperation under the same conditions;
• Refuse to issue a card;
• Go to another tariff plan and type of plastic.

Regardless of what choice the customer made for himself, the first action after the expiry of the term will be a visit to the Sberbank branch. It is advisable to come to the office where an overdue card was received (usually this is the territorial office at the residence address). You need to take your passport and payment plastic with you. Turning to a specialist, you need to explain the situation and find out whether there was an automatic replacement of the Savings Bank card after the expiry. In this case, it remains only to pick it up by signing several documents, unless, of course, the customer is not against continuing cooperation.

In cases where a new card is not yet ready, an application for reissue is filled. The procedure usually takes 5 working days. The plastic holder, if necessary, can dispose of funds on the account with the help of the cashier.

Refusal of service or change of tariff

If the client of the bank no longer needs the services provided, a refusal to reissue is written. The old card is seized and destroyed. The account of an individual is valid for another 45 days. This is necessary to complete all transactions on the card. In order not to pay annual maintenance automatically reissued for the customer plastic, it is necessary to warn the bank in advance about the intention to terminate the contract. The minimum period of circulation is one and a half months before the expiration date of the card.

If you want to change the tariff plan and get a different type of card, the client fills in the corresponding application form. Old plastic is withdrawn, but the funds stored on the account remain available. You can manage them through the cashier. The production of a new card takes from 5 to 15 days. The bank notifies the client about the need to pick it up at the office. When changing to another program, the card is replaced free of charge.

Application for re-issue online

The holders of debit cards are given the opportunity to take care of timely replacement with the help of the "Sberbank Online" service. At the same time, the office will have to be visited once - just for getting new plastic. The replacement of the Savings Bank card upon expiry of the validity period is carried out according to the following algorithm:

1. Log in to the system.
2. Select the section "Maps", subsection "Reissue".
3. Fill out an application.
4. Check the correctness of the entered data and click on the "Confirm" button.
5. Enter the code received in the SMS message.

The application has been formed, its implementation can be monitored in the personal account of the Sberbank Online service. It is worth noting that this function is not available to credit card holders. Planned replacement of Sberbank cards is free of charge, regardless of how the application was made - online or in the office.

Features of replacement of salary plastic

Debit cards used to receive wages are also subject to scheduled re-issue. Their validity is usually 3 years. Usually, Sberbank sends data for automatic re-issue on time, the holder only has to come to the office and pick up a new plastic. Sometimes the process is controlled by the employer, sending employees to the bank branch on time.

Even if it turned out that the validity period has expired, you must independently apply to Sberbank. The replacement of salary cards is identical to the other debit plastic. It will be required to leave the application and wait for the release. You can not worry about receiving wages: for this, a bank account is used, tied to the card. The money will go to him, and you can take them off at the Sberbank office through the cashier. After receiving a new card, the account details do not change.

Causes of an unscheduled replacement

Do not always "survive" until the end of his term card of the Savings Bank. Replacement is sometimes required in the event of emergency situations. Among them are common cases such as:

• Damage;
• Loss or theft;
• "Seizure" of the ATM;
• Declassified card data.

These are emergency incidents, which in the interests of the holder should be resolved by re-issuing plastic. There are also more expected changes, which lead to the invalidity of the card: the change of the surname (less often the name, patronymic).

An unscheduled re-release, regardless of the reasons, is a paid service. The new plastic will cost the customer from 30 to 150 rubles, depending on the type of card. Do not worry about the financial side of re-issue to premium plastic holders. "Gold" and "platinum" cards under any circumstances are replaced by new ones for free and much faster than classic ones.

Replacement for loss or theft

The main reason for the unscheduled re-release is the theft of plastic or its loss. In both cases, you need to act quickly. To begin with, you need to lock the card so that intruders or lucky ones who discover an unattended plastic can not take advantage of the owner's money. You can do this by calling the Sberbank contact center, sending SMS (if you have the "Mobile Bank" service) or by doing it yourself through the personal account of Sberbank Online.

After this, you should contact the bank office where the card was issued. The client fills out an application for an unscheduled re-release, indicating the reason. If you want, you can close the current account and open a new one, or transfer funds to another one. The timing of the replacement of the Savings Bank card for unplanned circulation is a standard period - 3-5 working days, but sometimes there are delays (up to 14 days).

Plastic deterioration

Sometimes it happens that the card is demagnetized or breaks from physical impact. The situation is unpleasant, but solvable. Damage to plastic, regardless of the reasons, leads to an unscheduled re-issue of the Savings Bank card. Replacement is carried out on the personal request of the owner to the territorial office of the bank. In this case, the client has the right to leave the same type of card or choose a more interesting tariff for himself. Before receiving a new plastic on your hands you can use the funds with the help of an account through the cashier.

When the card is "seized" by the ATM, the chance of its destruction is great. It will have to be restored using the same algorithm as with loss.

Re-issue of the card when changing personal data

The replacement of the Savings Bank card with a change of name is made upon the personal request of the client. It is not worth hesitating with re-registration for the following reasons:

• If you lose your card and restore access to an account opened by the old name of the owner, you will have problems;
• Payments transactions on wages and other incomes will not be "passed";
• Discrepancies in the bank's database and passport will lead to significant inconveniences.

To apply to a credit and financial organization that issued a card with irrelevant personal data, it should immediately after receiving a document confirming the change of the name. The procedure is not time-consuming and consists of the following:

1. Appeal to the territorial office of the bank.
2. Submission of applications: change of personal data and reissue of the card.
3. Getting a new card.

In addition to the passport, you will need a document on the change of the surname: certificate of conclusion / divorce, other official paper. Re-release is carried out within 5 working days, but delays are not excluded. The service is paid - from 30 to 150 rubles (for Gold and Platinum cards - 0 rubles), as well as any unscheduled replacement of Sberbank cards.

The change of names is usually preceded by the planned events, so the client has the opportunity to think ahead and visit the bank.

Re-issue of credit cards

Like debit cards, credit cards have a fixed validity period, after which they must be replaced with new ones. At the same time, the rules for applying to the bank remain the same: if you wish to extend the period of use, the customer personally or through the system "Sberbank Online" submits an application for re-issue. Although most often the organization takes care of the prolongation automatically.

However, not every holder of the Savings Bank card will be able to receive a completed credit card. Replacement with the extension of the contract is available only to those customers who:

• Do not have arrears on payments;
• Actively use the card, making non-cash and cash transactions;
• Confirm solvency.

The planned re-release is free of charge and usually takes no more than 3-5 working days. If you want to cancel the credit card, you must warn the bank one and a half months before the end of its validity.

Unscheduled replacement of the bank card of the Savings Bank is carried out at personal appeal of the holder similarly to re-issue of debit plastic. For this, an application and necessary documents are provided. The procedure will cost 150 rubles for classical maps. For holders of Gold and Premium credit cards, the service is free of charge.

What information changes during re-release?

Updating the card, the holder is not indifferent to information about what will be the new plastic. With a scheduled re-release, only the CVV2 / CVC2 security code located on the back side and the expiration date change. The PIN may be changed. The card number remains the same.

With an unplanned reissue due to the change of personal data, a new surname will be added to the above changes. If there is a loss or theft, the new card number will also be new. In any of the possible cases, the account details will remain the same.

The largest number of owners of payment plastic are serviced in PJSC "Sberbank". The replacement of the card upon expiration of the validity period is almost always automatic, the client only has to withdraw it from the office. In the event of emergencies, you will have to contact the bank yourself or use the service "Sberbank Online".