How to open a pro100 Sberbank card. Bank cards of Sberbank "Pro100"

A universal electronic card from Sberbank (PRO100) provides round-the-clock access to various financial, state and municipal services and options.

The Federal Law on the “Organization of the Provision of State and Municipal Services” gave “life” to the electronic card.

What are the main tools contained in the card?

• 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;
• You can pay taxes and duties with a card (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 graphic and informational form, the plastic contains all the important information about the user: full name, photo and gender of the client, date of birth, SNILS data, compulsory health insurance policy number, details of the electronic banking application, and the “strong option” - a qualified electronic signature .

How to get an electronic card? Payment system PRO100

To get this plastic card, you need to come to the Sberbank office, which issues this card (check first).

In advance, so as not to visit the bank several times, we take with us the following documents: Russian Federation passport, pension insurance certificate, compulsory health 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 to decide.

But at present, there is a tendency to replace foreign payment systems (in particular the giants: VISA and MasterCard) with domestic ones. The development of the “Russian response” is in full swing.

But for now these “super cards” are at the testing stage.

PRO100 card parameters

The card is valid for 5 years, free issue and maintenance (if you want to issue an electronic signature, you will need to pay a little).

The card account currency is rubles. The plastic is equipped with an electronic chip for reliable protection against hacking.

Issue of additional cards is not provided.

Where can I use UEC?

1. You can “use” your card to order and pay for certificates and documents through municipal and government agencies.

2. You can transfer benefits and various social payments to the card.

3. Monitor your child’s progress and attendance.

4. Use the card as a transport pass.

5. Make an appointment remotely with a doctor; you will have access to the entire list of medical services under compulsory medical insurance.

6. Conclusion of a CASCO insurance agreement, tourist services, and insurance of Citizens traveling abroad.

7. Use the services "Sberbank Online" and "Mobile Bank", pay for housing and communal services, 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 first of all you need to block it.

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 free of charge).

Bank employees will urgently block the electronic banking application, thereby securing your data and funds.

How to top up the UEK PRO100 card?

The most convenient way to top up your card is 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 acceptance function.

3. And the third way replenishing your card means depositing money non-cash using the services of other banks.

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. Since the account does not have a credit limit, there is no need to wait several days until the bank gives 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 Banking 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.

Pro100 is a payment system that is widely used today. Experience shows how easy it is to use modern principles, getting rid of common restrictions. Gradually, users prefer to switch to updated options in order to forget about difficulties and make their life easier.

The Pro100 payment system has long accepted Sberbank as one of its partners. Russian transfers are now supported internally, saving users from paying additional interest. This nuance is important, because the amounts may exceed imaginable limits.

The Sberbank payment system simply allows you to move funds freely without encountering difficulties or restrictions. Moreover, even the limits will not frighten users at all. For a long time they had to face obstacles, but now they have been forgotten forever.

Today the Pro100 card of the Bank of Russia is popular. It appeared recently, but the local system has gained popularity in all regions. People often prefer to enjoy the ease of operation and reliability of fast translations. What advantages prompted the population to make this choice:

1. A large number of reception points.
2. List of partner banks.
3. A huge number of ATMs.

For several years, reviews about the Pro100 payment system have filled forums on the Internet. It’s not for nothing that people are interested in the offer; they prefer simplicity and reliability, but each plus should be considered in detail. Only after this will it be possible to truly understand the Russian version.

Large number of reception points

The modern payment system of Sberbank of Russia is built on plastic cards ensuring the convenience of every person.

The main advantage is the large number of reception points, because they are necessary for human comfort.

In 500 thousand places you can use your own account to pay.

Now payment via the Internet with the Pro100 system is part of the existing capabilities. Yes, online transfers are popular, but it is always easier to transfer funds by card. Because of this, the number of seats is always estimated before booking.

List of partner banks

The Russian payment system Sberbank has merged with commercial banks. Now the list includes 21 financial institutions where you can safely carry out transactions. This amount allows you to cope with any task without wasting time on anything.

A large number of available banks is a major plus. Specialists worked through the list, trying to sign partnership agreements with all the necessary institutions. This fact is confirmed by the holders, since the payment card Simply helps them in everything.

A huge number of ATMs

If you need cash, the Russian payment system Pro100 will allow you to receive it without any problems. To provide such opportunities, 100 thousand have been connected. They can be found in any region, so it is beneficial for people to work with them.

The new payment system in Russia Pro100 amazes with the list of ATMs. Usually you had to look for a suitable place to withdraw funds, but now this problem has been solved. The specialists did not forget about an important nuance, which gave excellent results.

The Pro100 card can be used in many different ways. Today it can be done on the Internet or at special points.

The card of the Russian payment system Pro100 is a godsend for holders who quickly appreciate its advantages.

Russians are concerned that because of the sanctions, Visa and MasterCard may stop operating in the country. Experts recommend switching to bank cards of the Russian payment system PRO100, created on the basis of UEC.

Back in the summer of 2013, Roman Prokhorov, director of the Central Bank's settlement regulation center, expressed concern that 90% of cards issued by Russian banks belong to the Visa and MasterCard payment systems. “The switch they operate is outside our control,” said R. Prokhorov, “and we would really like domestic Russian non-cash transactions to be processed under the control of Russia.”

By 2013, the country already had at least two “own” payment systems (PS) “Zolotaya Korona” and “PRO100”. The first united several hundred banks of the Russian Federation and the CIS, while the second is owned only by Sberbank.

What is PRO100

PRO100 is a Russian payment system created by OJSC “Universal Electronic Card” (UEC); This is a set of organizations that interact with each other to solve problems of transferring funds among system participants. PRO100 is also called a payment card. Plastic works exactly the same as the familiar Visa and MasterCard. Payment is made by reading a magnetic stripe or chip.

The PRO100 settlement center is managed by Sberbank OJSC. The main Russian bank performs the function of a credit organization - it manages the debiting and crediting of funds from system participants to bank accounts. In mid-2014, Bank of Moscow, RNBK, URALSIB, AB Rossiya and other banks joined the UEC OJSC product - all of them provide issue, issuance and servicing of PRO100 cards.

You can register for PRO100 at any bank participating in the payment system of OJSC UEK. To do this, you just need to present your passport and fill out an application form. The card itself will be ready in 1-2 weeks. Unlike MasterCard and Visa, PRO100 is serviced at lower and “fair” rates. So, for example, Sberbank issues Russian plastic to everyone for free.

PRO100 also works in Crimea

Emission of UEC in Crimea and Sevastopol began in May 2014. At the beginning of 2015, about half a million cards had already been issued here. PRO100 is the only payment system operating in the region. There is no alternative here yet - as you know, as a result of sanctions imposed by the United States, the peninsula recently lost its MasterCard and Visa cards.

You can withdraw money at any of the 1,572 cash points. There are about 240 bank branches and 350 ATMs with PRO100 support on the peninsula; More than 1,500 reprogrammed POS terminals have been installed.

Are the National Payment System and PRO100 the same thing?

In the last year, the Bank of Russia has been increasingly talking about the creation of a National Payment System (NPS). For some time, PRO100 from Sberbank was vying for the role of NPS. But, in April 2014, after amendments were made to Federal Law No. 161, The Central Bank announced that the NPS cannot be created on the basis of existing systems, including the one created by OJSC “Universal Electronic Card”. This is because UEC uses software, the right to which belongs toMasterCard. The existing licensing agreement is a barrier to creating a truly independent product.

Let's clarify about the software. The chips, built in plastic, are produced in Russia. But the PRO100 payment application, written on these chips, is based on MasterCard M/Chip4 standards. This was done for a simple reason: the equipment installed in payment and banking terminals a long time ago works exactly according to MasterCard standards. To ensure compatibility between the “old” equipment and the “new cards,” the developers had to use the standards of a foreign payment system.

What can the PRO100 card do?

1. PRO100 operates throughout the country, including Crimea and Sevastopol.
2. Payment cards are issued in different types: debit (or payment), credit, salary, corporate, pension.
3. With PRO100 you can withdraw cash from more than 100,000 ATMs, top up your bank account, and pay for services at 20,000 information terminals.
4. The card is accepted in popular stores, for example: Eldorado, MediaMarkt, Detsky Mir. The card is valid in Megafon, Svyaznoy, and Euroset communication stores. With its help you can pay for the purchase of tickets for Aferoflot flights. In total, more than half a million organizations across the country work with PRO100.
5. At the client’s request, the owner’s electronic signature is placed on the universal payment card with the PRO100 application, which is necessary to carry out many significant transactions.
6. Holders of universal payment cards and PRO100 cards can pay for housing and communal services, taxes, and fines through online resources (for example: www.ueconline.ru or Sberbank Online).

What the PRO100 card cannot do

1. PRO100 does not work with both domestic and foreign online stores.
2. The card cannot be used to pay for the purchase of goods/services abroad.
3. Despite its “Russian origin”, the product is still dependent on the actions of foreign players due to its adherence to MasterCard standards.
4. If a retail outlet, payment terminal or financial institution has not reprogrammed its equipment, it will not be possible to pay for goods/services using PRO100.

Why does the PRO100 payment system not work abroad?

Russia does not yet have the necessary infrastructure for the optimal operation of its payment system. Processing centers, software, and equipment are required. There is no industrial production of computers in the country, which means that spare parts and components will have to be purchased abroad. Do we use “bourgeois” equipment? This means that foreign specialists are also needed to set it up. It turns out that the system seems to be “our own”, but it will essentially be made abroad.

The easy way is not an option. The creation of a truly full-fledged payment system will take several years. Experts complain that it may turn out that the standards of our and foreign processing will be different, and therefore the entry of PRO100 to the international level will slow down for some time. So Russians traveling abroad and using the national system will have to open temporary accounts abroad or take cash with them.

Will the PRO100 payment system replace Visa and MasterCard? Not yet. The product from OJSC UEK can only slightly “move” two international systems into domestic Russian settlements. A full-fledged replacement for international payment “pillars” can be the National Payment System, which is still in the draft.