The sensation didn't work. For the simple reason that out of the blue sensation are not born.
How did Sberbank debit cards turn into an overdraft?
In principle, such a separate type of cards as "overdraft" , does not exist. Any debit card can become an overdraft card. Need only good owner's will card and the consent of the bank servicing this card.
After all, what is an overdraft?
There is nothing good in this: on an overdraft bank charges interest like an account payable. It is unpleasant. But it is at least premature to talk about the total enslavement of the Russian population through an overdraft.
In the West, the overdraft rate is considered two monthly income client. If a citizen tries to exceed this indicator, then the bank puts a stopper. Established practice. And there is no enslavement.
Debit cards are convenient. But you need to control the balance of funds on your own accounts
Why did Sberbank refute the transfer of debit cards to an overdraft?
The press service of the main commercial bank of the Russian Federation, having caught murky fluctuations in the media environment, hastened to speak with soothing statements:
Sberbank's "communicators with the public" on this occasion gave quite clear explanation: debit cards are shown as overdraft cards in the online application only because it is necessary for the correct operation of banking software(we repeat, any debit card is potentially an overdraft card and this must be taken into account in the software).
The bank does allow an overdraft, but only a technical one. This occurs, for example, with certain types of foreign transfers. Since there is no fault of the cardholder in such an overdraft, the interest on it not charged.
Thus, the hype with the “transfer of cards to an overdraft” is not worth a damn. But after the "news" penetrated social networks, immediately experts appeared, analysts and owners of insider information, who drove the media wave and began to inflate the conspiracy psychosis.
Many Sberbank customers have discovered that their debit cards, which cannot be “lost” without any warning, have become overdraft and are now being charged commission for various operations that were previously free. Sberbank denies accusations, assuring customers that no one writes off money from them and you should not pay attention to changes, customers themselves provide evidence to the contrary.
Sberbank, without warning its customers, transferred their debit cards to overdraft ones - some drew attention to this users social networks. Bank clients from various cities of Russia simultaneously reported that their debit cards (cards on which you cannot “go into overdraft” - a negative balance on the account for which the bank will charge interest) began to be displayed as overdraft and credit cards in various systems where information on the card is indicated - mobile applications and payment terminals.
After a flurry of indignation and insults from customers, bank representatives tried to reassure the public with several official explanations. According to them, all these years, customers did not look at the screens of their phones too carefully when they used the official mobile application of the bank. It turns out that for some reason, the bank needs debit cards to show up as overdraft cards in it, and it has always been that way. But despite the fact that, according to representatives of Sberbank, everything is in order with customer cards, the bank is thinking how to fix the situation.
Separately, representatives of the bank called false reports on the network that they began to write off interest on overdrafts from customers.
There have been no changes to the card service conditions. No credits on a debit card are possible, although it may be displayed in Sberbank Online as an overdraft card. In the Sberbank Online mobile application, cards are displayed as overdraft cards, which is necessary for the application to work correctly with payments and transfers. The information distributed on the Internet is not true, - quotes a statement from a representative of the RNS bank.
While some representatives of the bank convince that the information about the overdraft is false, others admit that it is on debit cards - this is a kind of “technical overdraft” that is debited from the user’s account if he withdrew money from him immediately after they arrived .
The bank is ready to return money written off to customers without their knowledge, but for this you need to write appropriate applications. And this problem has been around for quite some time.
Numerous other clients also found similar "technical overdrafts." Not everyone is ready to apply.
Some users note that they paid attention to the status of cards before - they were displayed as overdraft. But there were few of them. Others at this time write that the moderators of the bank's social media pages are deleting critical comments.
Sberbank clients often have questions about such a concept as an overdraft. This service appeared on the domestic banking market relatively recently, so many users are interested in an overdraft from Sberbank - what it is, connection, features, and the ability to disconnect. This will be discussed in the article.
Overdraft is a temporary loan service connected to a salary card. If it is available, you can use the amount that is more than the one on the card, but limited by the limit. At the same time, each client has its own limit and percentage set by the bank depending on individual conditions. You can use the money at your own discretion.
At the moment, the service was provided only for (private entrepreneurs and corporate clients), provided that the company has concluded an agreement with the bank on the provision of the service.
Overdraft is not connected to debit cards.
Overdraft Features
- There are always additional funds on the account for the purchase of goods, payment for services and cash withdrawals. This money is provided by Sberbank on certain conditions and can often help out in a difficult situation.
To use borrowed funds, you do not need to visit a bank branch and collect documents. - You have to pay fixed interest for using the loan. Otherwise, the money will simply lie on the account and wait in the wings. The system of issuing loans through overdraft has some disadvantages:
- no grace period. After the withdrawal of part of the money or all the funds allocated by the bank, the accrual of interest begins;
- if you do not return the required amount to the account on time, then Sberbank will remove additional commissions;
- it is difficult to calculate your own financial capabilities and plan expenses.
How to find out if an overdraft is connected on the card or not?
In order to find out whether an overdraft is connected on the card or not, you can ask the representatives of the accounting department (HR department) of your organization or call.
How to activate the overdraft service
In most cases, additional funds are offered by Sberbank when issuing a card. Being a legal entity (IP), you can contact the bank branch to connect the service for yourself or your employees. More details about the connection procedure are on the bank's page.
To apply for this service, the bank employee first of all checks the solvency of the overdraft applicant. The guarantee is an active legal bank account or other means of confirming solvency, for example, certificates of income from other sources. 
Owners of salary cards may not confirm their ability to pay.
Disadvantages of the service
In social networks and on specialized sites, you can find a fairly large number of negative reviews on the use of an overdraft. It can be difficult for cardholders to deal with the system of accruing interest and debiting funds in favor of Sberbank. The disadvantages of loans include some difficulties in disabling the service.
What is an overdraft - video review
conclusions
Each cardholder has the right to independently decide whether he needs an overdraft from Sberbank? Sometimes customers, having signed a service agreement with a bank, do not specify the presence on the card. Getting a salary and spending money, you can not notice where the money disappears. A call to the Sberbank hotline will help sort this out.
Users of the Sberbank Online service on Monday began to massively declare on social networks that the bank is transferring debit cards into overdraft cards without the consent of customers. The status of cards changes in the Sberbank Online application, users say.
The difference between these types of cards is in functionality and service fees. So, debit cards are designed to use their own funds located on a bank account. They are tied to an account, they can be salary, and you can also receive various payments and benefits, a pension or a scholarship.
Overdraft cards, in addition to the function of using personal funds, allow you to create a credit history for the cardholder and use a credit line. In this case, the loan is provided within the overdraft limit at a certain percentage.
When providing an overdraft service, Sberbank sets a limit on a short-term loan - from 1,000 to 30,000 rubles for individuals. In the event of an overdraft, interest is charged. The resulting debt must be repaid within 1.5-2 months.
Sberbank on its Facebook page denied changes to the terms of service for its cards.
“That's not true - you can't spend more money on a debit card than you have. The exception is technical debt, on which Sberbank does not charge interest. Overdraft on the card can only be allowed by you yourself, and not by the bank,” the message says.
Sberbank notes that in the Sberbank Online mobile application, some debit cards have always been displayed as overdraft cards - this is a "technical necessity for correct work with payments and transfers." “Probably, some users have just now paid attention to this,” Sberbank suggests.
The technical support of the bank stated that the transfer of the status of the cards is technical, it is explained by an error in the Sberbank Online application.
It is unlikely that this situation will entail any serious consequences for
considers the financial director of the law firm BMS Law Firm.
“In this case, there was no transfer of cards as such - if we are talking about a technical error in the application, then claims to the bank are possible only in case of illegal debiting of funds,” he notes.
As a rule, the consent of the bank's client is required to transfer cards from debit to overdraft. However, it is worth studying the agreement with a credit institution, which may stipulate the provision of such microloans by the bank to the client and whether the bank can charge interest for this, the lawyer advises.
Banks lack credit customers, so they use any means, including through "online banking", to find new customers, notes the executive director of HEADS Consulting.
Banks often offer loans to their customers through online applications, which, although it can be annoying, does not contradict the law, since the offer of new shares and services is provided for by a public offer agreement that the user enters into with the bank, Kulikov explains. In this situation, the user can only "vote with their feet".
Last summer, customers of Sberbank twice faced a failure in the work of the largest state-owned bank. On July 31, Sberbank customers had problems with transactions using the Sberbank-Online system and bank cards. Users in several regions complained about the inability to make card payments and make online payments. The previous large-scale technical failure in the operation of Sberbank's IT systems occurred on June 9: at that time, customers could not withdraw cash or use the bank's services via the Internet. It took Sberbank about an hour to solve the problem.
Sberbank owns about 1.1 million terminals in the country and holds 60% of the market. According to The Nilson Report, at the end of 2016, Sberbank became the largest bank in Europe in terms of the number of payments accepted at retail outlets (7.5 billion).
According to the Central Bank, as of January 1, 2017, 254.7 million bank cards were registered in Russia. Including 224.6 million - payment cards, of which 34 million accounted for cards with overdraft.
Only 30 million credit cards were registered. At the same time, as the statistics of the Central Bank show, the number of overdraft cards in the country has been decreasing since 2016: if on January 1, 2015 there were 39 million units, then by October 2016 - 35 million.
According to the study "", for the first time in two years, the credit card market in Russia began to grow in the first quarter of 2017 and continued in the next three months. According to the study, by July 1, 2017, the volume of the credit card market reached its maximum value since the beginning of 2016 and amounted to 1,044 billion rubles. In the first quarter, the market grew by 22.6 billion rubles, in the second - by 22.8 billion rubles. Among banks, the growth leaders were, among other things, Sberbank. Sberbank's portfolio grew by RUB 33.8 billion over six months. up to 461.5 billion rubles.
An overdraft is an excess of the limit of funds on a debit card available for use at the moment. You can explain what an overdraft in Sberbank is with the following example: you have 1,000 rubles on your plastic card, and in a store you liked a product worth 1,400 rubles. You can pay with your card or withdraw 1400 rubles and purchase the desired product if the overdraft service is available to you. The point is that you take a small loan from Sberbank at interest, which you undertake to repay within a certain time.
Page content
The overdraft service can be connected to a debit card (in rare cases, to a credit card). It can be used by owners of all classic, gold, platinum, premium, as well as youth payment systems Visa or MasterCard.
What is an overdraft in Sberbank?
At the time of the introduction of this service, it was available only to legal entities. The overdraft was introduced in order to ensure a constant flow of cash turnover of companies that, in the absence of money in the account at the current moment, could use borrowed money, after which, when money was received into the account, the required amount was debited automatically.
IMPORTANT: according to the terms of the bank, when using an overdraft, the bank has the right to directly debit the fee from the client's card to pay off the debt. This means that funds are debited automatically, regardless of the desire or unwillingness of the owner of the funds.
Today, overdraft is also available for individuals. Depending on the situation, the service is connected to the card automatically, or at the written request of its owner.
- The overdraft limit is set by the bank for each client individually based on the data received about him (the amount of income, the regularity of cash flows on the card, and so on).
- The amount is from 1,000 to 30,000 rubles for individuals, from 100,000 to 300,000 rubles for legal entities.
- The interest rate is 18% per annum if the account is in rubles, 16% if the account is in foreign currency.
- The term of submission is 12 months. That is, a certain limit is set for a period of 1 year, and during this time you can use overdraft funds from time to time.
- The maturity of the debt is 30 days. Within a month, the funds used under the overdraft must be returned to the card in full.
- In case of exceeding the limit or the amount of debt is calculated at a rate of 36% for a ruble account, 33% for.
How is an overdraft different from a loan?
An overdraft is similar in some ways to a loan, but there are significant differences between these two concepts.
- Overdraft is set for both debit and credit cards, but it is most often used by debit account holders.
- Overdraft limits are significantly lower than credit limits.
- It is much easier to get access to an overdraft, the conditions are more loyal than when issuing a loan.
- The interest rate for the use of borrowed funds is 18%.
- The repayment period must be within 30 days, otherwise sanctions begin to apply.
- The amount of repayment must be in full, and not in parts, as when using a loan.
- In case of violation of the terms of use and repayment of the debt, the recalculation is made at an increased rate of 36%, and from the first day of using the money, and not from the moment the delay begins.
Overdraft for salary card
Sberbank willingly provides payroll card holders with the opportunity to use overdraft funds, since they are considered trustworthy customers with proven solvency, because the monthly receipt of money on the card guarantees timely repayment of the debt.
The overdraft limit in this case is set by the bank based on the amount and amount of cash receipts. The limit cannot be more than the average monthly salary. Sberbank most often sets a limit of 50% of the client's salary.
Upon receipt of an advance payment and salary on the card, the fee is first debited to pay off the overdraft debt.
Overdraft for credit card
The expediency of using an overdraft on a credit card, each client decides for himself, because the funds are already borrowed from the bank at interest, but the provision of such a service is possible. Situations are different, and money may be needed urgently, but it is exhausted, and there is simply nowhere to take it from, then a credit card overdraft will help get out of the situation.
Credit card holders are granted an overdraft upon confirmation of solvency. The positive decision of the bank is also influenced by additional confirmed sources of income, the presence of other debit cards or the presence of an open debit account, which is a guarantor of debt repayment.
How to apply for an overdraft at Sberbank?
To apply for an overdraft, you must have a Sberbank debit card (for individuals) or a current account (for legal entities). Based on the data on cash flows on the card or account, as well as other documents provided confirming the client's solvency, the bank decides on the amount of the limit.
How to apply for a legal entity
For registration, you must visit and provide the following package of documents:
- service connection application;
- completed questionnaire of the borrower (as well as the guarantor);
- title documents for the organization;
- financial documents to prove income.
How to apply for a service at Sberbank for an individual
- upon receipt of the card. Most often, when applying for a card, you can connect the overdraft service. To do this, in the contract in the column "Overdraft / Desired limit amount" you will need to check the box and indicate the amount;
- apply at a bank branch. If you have been using the card for a long time, and you are thinking about connecting the overdraft service only now, you can come to the bank branch and write a corresponding application. You will need to provide a passport and a document confirming your income (most often this is a 2-NDFL certificate from your place of work for the last 6 months);
- through . This method is not available to individuals, it can only be used by corporate clients. If you have, then you can connect the overdraft service in your personal account via the Internet.
First, you need to think it over carefully and decide whether you need an overdraft even when you receive a card. At the time of issuing the card, it is easiest to refuse the service by putting "0" in the column where the amount of the overdraft limit should be indicated.
Secondly, if the service has been connected, you can disable it only by writing a corresponding application at a branch of Sberbank.
Thus, the overdraft service on a Sberbank card makes it possible to use funds that you do not currently have. After a certain period of time, they must be returned in full. Terms of service are not always favorable. However, by connecting an overdraft to his card, the client can always count on a certain reserve of funds in unforeseen situations.
