Otitis

Personalized gift card. Cards of “non-standard appearance”

When contacting Sberbank, many are interested in a card with an individual design. You have to pay extra for uniqueness, but that doesn’t stop anyone. Plastic has all the advantages of conventional payment instruments, differing only in design. Choosing a design is not so easy; the bank censors images. So a design application that is aggressive or obscene in nature will be rejected.

Sberbank cards with individual design

Individualization is not provided for credit products; it is only possible for Sberbank debit cards. In order to become the owner of special plastic, you do not need to go to the office of a financial institution. You can view templates or create a new savings card, bringing your own design solution to life, only on the official Sberbank platform.

An important point is the requirements for issuing a bank card.

Payment instrument design requirements

Having decided to order original plastic, you can go in two ways:

View pictures offered by Sberbank. An interesting selection of drawings is presented. You can choose:

beautiful photos of cities;
flora;
animals;
animation;
anime, etc.

Download own version into a special module.

If you decide to apply for a card based on the examples offered by Sberbank, there will be no problems with the application, since the bank images have already been censored. The only drawback is that the selected template will be rare, but not individual.

It’s more difficult if you decide to make a card with your own design. Sberbank censorship will carefully check your image. Be prepared to not be missed.

When considering your design, take into account the restrictions imposed by the bank. A picture will not be accepted if it:

represents text or digital information;
image of citizens in uniform with recognizable prints or famous logos;
with a photograph of a famous person or character;
frame from feature film or cartoon;
antisocial or anti-religious orientation;
image of money or stamps;
with flags, coats of arms, slogans and other attributes of power;
picture with military equipment and other types of weapons;
is pornographic in nature;
associated with gambling;
image tobacco products or alcoholic beverages;
includes TMs or logos of famous brands;
photo from the Internet or an image that is protected by copyright law.

How to choose a designer photo?

On the Sberbank website, a user who decides to issue an individual plastic card can choose one of 3 loading methods in the “Cards with Individual Design” section:

from the Sberbank gallery;
from your own computer;
from social networks.

By clicking on “Add a photo from the library”, you will be taken to the bank’s collection, where you can familiarize yourself with all the images presented and either choose one of the pictures, or return and go to your own gallery or social networks.

How long does it take to produce a Sberbank card with an individual design?

As already noted, an order for a unique design will require more production time. If the standard option most often takes 3-7 days. Design execution can take 2 weeks.

How to order a card with a custom design?

To start filling out your application, you need to go to sberbank.ru. There are no other ways to create the product described. The customer needs to select, upload and, if necessary, edit the image. You can make changes to the background and color palette. The main picture cannot be changed.

It is advisable for the user to have a personal account in the Sberbank Online service, in which you can not only order payment instruments, but also manage them during use.

Order through Sberbank Online

The application procedure is as follows:

Go to the official website of Sberbank.
Enter "Menu".
Click on “Select card”.
Go to the “Cards with Custom Design” category.
Choose a download option.
Choose a design. On the website you can see what the finished plastic will look like and, if you wish, change the initially selected option.
Having made your choice, click on “Next”.
Fill out the pop-up form, entering your personal data.
Upload the required documents.
Indicate the address of the office where you are going to receive the payment instrument.

Filling out an application online

In addition to uploading and editing photos, when filling out the application you need to indicate:

desired currency (RUB, EUR, USD);
phone number to which SMS notifications will be sent;
personal data;
category: Visa or Master Card;
additional options

Only after carefully double-checking the entered data, click on the “Order” button so that the application is sent to Sberbank.

Cost of the service and receipt of a payment instrument

The answer to the question of how much it costs to replace standard types of images with more interesting individual ones, although it worries citizens, rarely stops anyone:

the cost of issuing an original card is only 500.00 rubles;
service cost in the first year is 750.00 rubles;
subsequent years of use (issued for 3 years) – 450.00 rubles;
servicing additional cards in the first year - 450.00 rubles;
servicing additional cards in subsequent years – 300.00 rubles.

The standard bank version is produced free of charge.

Planned reissue is not charged. If an unscheduled reissue is required, its price is 150.00 rubles.

A citizen who is 14 years of age or older can order an individual card. You can become the owner of additional individual payment instruments from the age of 7.

Capabilities and features of the banking product

Having an individual card, you must understand that the special design is its only difference from standard plastic options. Your payment instrument has the following capabilities:

cashless payment in stores and online stores;
carrying out transactions on the Internet;
setting up templates for automatic payment or withdrawal cash;
payment for services, fines and loans;
sending money transfers;
cash withdrawal;
receiving money from other users.

You can connect Mobile Bank and Sberbank Online to your individual Sberbank card, which will simplify all financial management processes.

Thank you points on plastic

If desired, a banking offer such as a card with an individual design can be connected to the “Thank you from Sberbank” program. From the moment of connection, for purchases and payment for services, users begin to receive cashback in the form of points: 1 point = 1.00 ruble.

Accrued bonuses can be used as money when purchasing goods and ordering services from partners of a financial institution.

Sberbank “youth” card with an original design

The most profitable in the line of original payment instruments is the “Youth” card, created for customers under the age of 25. Its annual maintenance is not 750.00 rubles, but only 150.00.

Despite the low cost of service, all functions of the Molodezhnaya card are similar to those of standard types plastic.

How to manage the card?

You can manage your payment instrument using 4 services:

personal account “Sberbank Online”;
mobile application of a financial institution;
mobile banking;
self-service machine.

Sberbank clients can use all 4 options at once.

Through Sberbank Online

To make payments online, send transfers, etc. online, you need to have a personal account on the official Sberbank website.

Registration is carried out on the website. You must provide the number of the main card of the financial institution and the number mobile phone linked to a mobile bank.

Via mobile application

The service has the same functionality as your personal account. Its advantage is that financial management can be done anywhere, the main thing is to have a phone connected to the network of one of the providers.

Via mobile banking

For financial management and comfortable interaction with financial institution You can also connect a mobile bank to any Sberbank ATM. To do this:

Insert the card into the card reader.
Select “Connect mobile bank” in the Main menu - left buttons.
Find a tariff that suits you.
Send an SMS to number 900 with the text “HELP”.
You receive a notification listing the capabilities of the service.

From now on, SMS alerts will be sent to you.

Through self-service devices

To use an ATM, simply find the nearest machine, insert a card into it, enter the code and, using the interface, select the necessary operations.

Advantages of using originally designed cards

By ordering designer plastic, you get the following advantages:

possibility of securing using an electronic wallet;
using alternative ways to transfer funds to the account;
the ability to make money transactions online;
if you lose your plastic abroad, you can get the cash that was on it;
receiving additional discounts when purchasing goods and ordering services;
calculations can be made at any time of the day or night;
24-hour communication with the service of a financial institution.

The product described is easy to use, which is why interest in it is growing.

Conclusion

If you are interested in what are free views individual design, then we’ll answer right away: these are not provided. You have to pay for originality. Most users are sure that it is worth forking out for such a case, because this way you will get a unique card that no one else has.

A person’s life is woven from pleasant moments and little things that make you smile or look at the world from a different angle. Sberbank of Russia offers an unusual service - the opportunity to issue a card with an individual design or an image chosen by the client.

Features of the card product

Imagine how surprised your spouse will be when you get new map, to pay in the store, and on it will be your wedding photo or a photo of your son, daughter, or a joint vacation.

You can select an image from the following sources:

From a computer or phone
From the bank catalog
From social networks

The following are available to order types of debit cards:

Classic Visa in rubles, US dollars or euros
Visa and Mastercard in rubles

The production cost is the same for all types of cards and amounts to 500 rubles.

Many people wonder: “What is this card for? different from the usual one? We answer right away - only in appearance, bright emotions, which she can give to her owner and others.

Product Features:

payment for goods and services online, in stores
transfers by, from card to card and by phone number via
accumulation and payment with “Thank you” bonuses
receive money into your account and withdraw it from ATMs
contactless payment support
ApplePay, AndroidPay and SamsungPay technology

As well as many other services and options available for classic debit cards. order a card with your own design impossible.

Image requirements

It would be quite naive to believe that such a serious bank will not create certain rules and requirements to images that can be applied to the front of the card.

Also, keep in mind that according to the terms, you are responsible for the image posted.

Forbidden use of images:

Any military-themed materials: weapons, tanks, airplanes, guns, machine guns, etc.
Photos and images protected by copyright.
Related to gambling and sweepstakes, incl. cards, roulette, dice.
Drugs and everything related to their production and use.
Alcohol and tobacco products, including beer, cocktails, pipes, tobacco.
Trademarks, abbreviations, company names, incl. car logos.
Stills and screenshots from films, illustrations for printed materials.
Sexual content.
Antisocial, antireligious materials and symbols.
The presence of famous people in the photographs, incl. actors, singers, athletes.
Images banknotes, coins, signs, stamps, even those that have gone out of circulation.
Text data, phone numbers, addresses email and websites.

If the image you provide does not meet the requirements, the bank has the right refuse in the card design and will ask you to replace the picture or select from a ready-made database.

Acceptable dimensions file:

at least 800 by 600 px
JPG or PNG format

If you can't choose suitable photo, then at the design stage you will be able to select a picture from the volume electronic catalog and apply various filters to it.

We'll talk about the registration conditions and how the process of adding and independently processing an image before submitting an application occurs.

Classic Visa card with its own design

For those who decide to stand out, only one version of a classic bank card is available - Visa Classic, but which can be opened in one of three currencies— RUB, USD, EUR.

Conditions of registration

Russian citizenship
Permanent or temporary registration in one of the constituent entities of the country
Age: from 14 years for the main card; from 7 years for additional
A card for which an application was made on the website is not issued by proxy

note that additional cards issued to the main one with a personal design are issued in the usual version.

Service tariffs

Validity: 36 months
Annual maintenance: 750 rubles - 1st year; 450 rubles - from the second year
Cash withdrawal limit: 150 thousand rubles/day, 1.5 million rubles/month
Design price: 500 rubles

Early reissue in case of loss of PIN, change of surname or loss of card: 150 rubles, +500 rubles you will have to pay again for the design.

Download full table tariff plan you can follow the link

Youth card with your own design

Another type of card for which you can come up with your own design is Molodezhnaya; its issue is possible with the support of the Visa or Mastercard payment system.

The youth card differs from the usual one with a lower service cost, but only students and young people under the age of 25 can apply for it.

There is no choice of account currency, the issue is carried out only in ruble version.

Conditions of registration

Passport of the Russian Federation
Registration in one of the regions of the country
Holder age: from 14 to 25 years (at the time of registration)

For Youth It is not possible to issue additional cards.

Service tariffs

Payment system: Visa or MasterCard (selected at the time of application)
Validity: 36 months
Annual maintenance: 150 rubles per year
Cash withdrawal limit: 150 thousand rubles/day, 1.5 million rubles/month
Individual design: 500 rubles
Mobile bank « Complete package": first 60 days - free, then - 60 rubles / month

An undoubted advantage is that even if in a few days you turn 26 years old, until that moment you can still get a card with a discount on the annual service fee, and use it for the next 3 years.

Also, you can download extended tariff information using the link

How to apply online - step-by-step instructions

The Sberbank website contains information that you can apply for a card with your image both on the website and directly at a bank branch.

But, according to reviews, most often bank offices refuse to provide such a service, since you need to somehow send your image to the consultant. Therefore, we will consider the most convenient way - ordering a card product online.

The period for consideration of an application for release is up to 5 working days. You will receive the result in an SMS message. How long does it take to make a card? — From 5 to 14 working days.

Now let's get to the fun part - the process of applying for a card and choosing a design.

Open your browser and enter the page address https://www.sberbank.ru/ru/person/bank_cards/debet/inddesign
Under the main horizontal menu line, find the paragraph where you need to select the type of card - Classic or Youth.

After selecting, just below on the right, find the orange rectangle with the inscription “Create a card design” and follow the link.

The next step is to select a source to download the image:
- Your chosen photo
- Picture from the Bank gallery
- Photo from your account in social network Instagram, VKontakte or Odnoklassniki.

To upload a picture from your computer, click “Select” in the first block.
Next, read the rules and click the “Download” button.

The next window will open a menu of filters and settings for the design option. If desired, here you can change the picture and select from a ready-made database or add it from social networks by clicking on the corresponding button.

So, the image is selected. Available from settings:
- Zooming in and out
- Choosing the color of the bank logo
- Applying additional filters
Make the necessary changes and click Next.
In the next step, enter your phone number to receive a code, submit your design for review, and receive notification of its results. Once entered, click Continue.

Enter your personal information and follow the “Next” link.

At this step you need to fill in the data in accordance with your passport.

The last lines to be filled in are the registration information. Also, finally, you need to select a Sberbank branch where it will be convenient for you to pick up the finished card. Once everything is entered, click Next.

Ready! Now all that remains is to wait for the bank’s decision on the application, the consideration of which may take up to 5 days, and then come to a Sberbank branch to receive it. The production time will be indicated in the incoming SMS message.

Where to enter the design code

If you sent the design for approval and did not immediately fill out the application, you can continue the design by following these steps:

Go to page https://www.sberbank.ru/ru/person/bank_cards/debet/cardform_ed
You will see lines where you should enter mobile number and design code, then click “Continue”.

As you can see, there is nothing complicated in the process itself. It is a pity that many people who wish will not be able to add any text to the front side, or the logo of their favorite car brand.

The requirements for graphic information are very strict, but they are reasonable and comply with the law on the protection of intellectual property.

Write, ask and get answers to your questions in the comments!

The client decides for himself what will be shown on the card. This could be a favorite photograph, an image of nature, or significant event. Such a card will help preserve pleasant memories and will delight the owner every day when making habitual purchases. In addition, the client can find the drawing in the bank's image gallery, which is specially created to help clients with their choice.

For example, Promsvyazbank created a Store bank cards, the images for which were developed by professionals from the British Higher School of Design.

When choosing a card design, you must take into account that each bank has a list of prohibited images, for example, many banks will not place the following images on the card:

political or religious themes;
infringing copyrights;
logos and advertising slogans;
photos famous people;
materials of a provocative and sexual nature;
images that hide the logo of an international payment system, bank logo or personal data of the client.

Tariffs and conditions for the card

The terms and conditions of the card, the choice of payment system, and the cost of service depend strictly on the bank’s tariffs. More often, banks offer cards of the classic category with an individual design; gold and platinum cards are mainly issued in their standard design. As noted earlier, in terms of its characteristics and range of services, a card with an individual design is no different from a card with a classic design.

You can also design a salary card in an individual design. Sberbank can open an additional card for a card with an individual design only in the classic form.

Banks’ conditions for re-issuing cards differ: Rosbank does not re-issue the “My Style” card; to issue it, the client will need to re-create an individual design on the website. To reissue a Sberbank card, you need to indicate the number of the image created earlier, because The bank stores in its database all images used as part of this service.

For an individual design, banks may charge an additional commission, which is payable one-time and on average is about 500 rubles. In addition, the cost annual maintenance cards with an individual design may exceed the cost of a card in the classic form.

It’s easy to get a card

Many banks provide the opportunity to issue a card with an individual design in personal account Internet banking. Often this option is the only possible one, since banks will work with the uploaded image on the web portal. The client can be the designer himself: upload images, edit the layout of the future card, change the size of the picture, change the color and location of the logo.

The final layout will still be approved by bank employees in accordance with all technical formalities.

When the image is uploaded, all you have to do is fill out the form on the website (or take it to the branch), and pick up the card at the bank branch on the appointed day.

The production time for such a card varies from bank to bank and can range from 5 to 45-60 days.

A card with an individual design is suitable for those who want to stand out in everything and show their individuality. This is especially important for the younger generation. Sberbank offers its clients aged 14 to 25 years to issue a “Molodezhnaya” card in an individual design. The card has a reduced annual service cost. The opportunity to have a flashy, but quite economical card makes it attractive in the eyes of young people.

You can show your originality and individuality in small things. Such familiar things as a bank card can improve the owner’s mood and surprise others.

The desire of individuals to stand out from the crowd gives rise to an entire field of infrastructure dedicated to the development of unique designs. Unusual cars, interiors, clothes, accessories, and finally, bank cards. It would seem that a bank card is a purely personal thing that should not be
constantly in sight.

How to get a card with your own image in Sberbank

What's the point

However, banks have seized on the demand for cards with personal designs and have begun to actively develop this area. Today, many banks keep up with the times and offer their clients cards with the possibility of applying various logos, drawings, and photographs as images. One of the leaders in such developments is, of course, Sberbank, which issues the largest number of cards in our country.

The very essence of a unique card design lies in a unique image that will be printed instead of the standard one - these can be all kinds of images (about the restrictions below), from pictures of a beautiful sunset to photos of funny cats.

What can be shown on a Sberbank map?

When ordering a card, you will be provided with a whole list of what cannot be portrayed , you need to familiarize yourself with it in detail when applying for a card. Basic prohibitions: trademarks, company abbreviations, numbers, letters, images with bills/coins, cartoon frames, faces of famous people and fictional characters, pictures with associations of drugs, sex, violence, weapons, religion, etc.

Despite such serious restrictions, the bank allows you not only to select a picture from your own gallery, but also allows you to upload your own, no less than 800x600px in size, no more than 10 MB in JPEG or PNG format. The recommended image size is 1035x662px.

Basic conditions and requirements for a card with an individual image from Sberbank:

Card currency – rubles, dollars, euros;
Payment system – visa classic;
Validity period – 3 years;
Maintenance cost - 750 rubles per year;
Issue cost - 500 rubles at the time of receipt;
Possibility of obtaining an overdraft – no;
Issue as a salary project - no;
Full functionality and capabilities like a classic bank debit card;
The card recipient's age is from 18 years (from 10 years as an additional age).

How to get a Sberbank card with an individual design

The procedure for filling out an application on the website is not particularly difficult.

Type www.sberbank.ru in the address bar, click on the “Menu” icon, then “select a card”, and “cards with individual design”.

We get to the image selection pages. Sberbank offers 3 ways to upload images - from a computer, from your own gallery, and also from social networks.

From computer

By selecting this item, you will be taken to the image selection page. We read what cannot be applied as an image, agree to the conditions. Click “Download” and select the file on your computer.

The uploaded image goes to the editing page.

Here you can select the color of the bank logo, filters, and also, if necessary, take another image - from the bank gallery, or from a social network account. Here we select the currency of the card.

We enter the phone number and click “Continue” and a rather long questionnaire appears below. The card design goes into the bank's database, and after filling it out, it will be sent for verification. Upon completion of the verification, you will be notified by phone number. At the last stages of filling out the form, you will be asked to select a convenient bank branch where you will need to pick up the ordered card.

After filling out all the fields, click the “Submit” button. That’s it, this completes the procedure for issuing a card with an individual design. All you have to do is wait for a notification on your phone from the bank when the card is ready. You will come to the selected bank branch, sign several documents on the issuance of a debit card and you can start using it.

From the gallery

Here you can select a picture from the gallery offered by the bank. There are plenty of topics here, and all these pictures have already been approved by the bank. That is, they will be 100% approved.

VTB Bank provides its customers with debit cards based on their needs. One of such cards is the VTB 24 debit multicard.

About the multicard

Since July 2017, VTB Bank has been providing its clients with a Multicard, which takes on all the functionality of previous packages (classic, gold, platinum, privilege, multicurrency debit card).

The multicard combines all the advantages of previously released packages and is suitable for various consumers, based on existing needs and the selection of certain settings by connecting the appropriate options. Can be salary, debit and credit.

Debit card accounts of VTB 24 Bank open up the possibility of managing amounts that are within the limit of available balances on personal accounts (settlement current) to which the plastic is linked. Perform replacement functions paper amount and conducting non-cash transactions using the bank client’s own funds.

Such plastic does not provide clients with the opportunity to become borrowers and take advantage of lending through the use of a certain amount jar.

Types of VTB 24 debit card depending on payment system:

VISA– supports custom design, use foreign currency;
MasterCard– only in original design, support for foreign currency;
WORLD– support only Russian currency, original design.

When ordering plastic, the client must decide on the most suitable payment system, based not only on appearance, but also connected options.

Card features

The multicard offers the bank's clients the following opportunities:

payment for purchases, including in online stores;
accumulation of savings;
making online transfers and cash withdrawals without commission;
opening a multi-currency debit card option for traveling abroad (rubles, dollars, euros).

With the help of certain settings, the Multicard can become a salary card for transferring the client’s official income.

Multicard options

The main and useful thing about a multicard is that with its help you can connect the most suitable bonus program and receive cashback.

One option selected by the client is connected to one VTB 24 Bank Multicard for free:

Auto. Cashback accrual is implied when paying for gas station and parking services - 2-10%, depending on the amount of monthly expenses. In the first month of using the card account, cashback is credited in maximum size.
Restaurants. Cashback accrual is implied when paying in cafes, restaurants and purchasing theater or cinema tickets - 2-10%, depending on the amount of monthly spending. The first month's cashback is considered the maximum.
Cash Back. Receiving a refund for every purchase using a card account, including payment for goods in online stores, from 1 to 2%. The first month involves using the option with the maximum reward. The maximum monthly cashback is 15 thousand rubles.
Collection. Accrual of bonuses for purchases: 1 bonus is equal to 1%. Returns on purchases range from 1% to 4%. In the first month, the maximum percentage of bonus accrual applies.
Trips. Accumulation of miles when making purchases on the Multicard, which can later be exchanged for air/railway tickets, book a hotel room and rent a car.
Saving. Receive up to 10% per year on your own amounts by opening a savings account.

Conditions of registration

To issue a debit card at VTB 24, the client must meet the following conditions:

reaching adulthood (18 years old);
availability of Russian citizenship and a supporting document (passport of a citizen of the Russian Federation).

The current tariff will depend on the options connected to the VTB 24 card account. Service is considered free if one of the following conditions for using a VTB 24 debit card account is met:

monthly amount payment for purchases is at least 15 thousand rubles;
account balance – more than 15 thousand rubles;
availability of income from legal entities to a master account in the amount of 15 thousand rubles;
regular and monthly transfer pension payments to the card account.

If it is impossible to fulfill one of the above points, the plastic user pays a commission in the amount of 249 rubles.

When withdrawing cash using an ATM of a third-party financial organization, VTB returns the commission in the form of cashback. The main condition for this is making monthly purchases in the amount of 5 thousand rubles.

The limit on withdrawals without commission is a maximum of 150 thousand rubles.

Registration of a debit card

You can order a VTB 24 debit card by filling out an online form or visiting a convenient bank branch in person. Persons who are foreign citizens can apply for a Multicard only by contacting the bank.

If the debit card will be used as a multi-currency card, then you should indicate the desired currency (dollars, euros) in the form or discuss connecting the corresponding option with a bank employee.

To obtain a VTB 24 debit card, in both cases the client will only need a passport of a citizen of the Russian Federation. Providing a certificate of income, unlike credit plastic, is not required in this case. However, the bank has the right to request additional papers.

You can get a debit card at a bank branch upon presentation of an identification document. Courier delivery to the client’s home or office is intended for residents of Moscow (within the Moscow Ring Road) from 10 a.m. to 8 p.m., seven days a week.

Filling out an online application

If the client has a passport of a citizen of the Russian Federation in his hands, he can apply for a VTB 24 debit card via the Internet.

Instructions for completing an online application:

Go to the website vtb24.ru.
In the bank cards section, select the one you need.
Click on “Order a card”.
Fill out your personal information in the form (full name, mobile phone number, email, gender, date of birth, citizenship).
After entering your mobile phone number, check that it is up to date.
Receive a notification about the relevance and, closing the window, continue filling out the form.
Fill in the information on the selected plastic card (type of payment system, currency, name on the plastic card, code word, city and receiving office).
Continue to next step.
Enter information at the place of registration (region, city, address, date, etc.).
Indicate passport details (series/number, by whom and when issued, department code, place of birth).
Send your application to the bank for consideration.

When the plastic is produced and delivered to the specified bank branch, the client will receive an SMS message.

How to close a multicard

Visit a VTB 24 branch and present your personal passport and the plastic card itself.
Submit an application to close a card account.
Receive the balance to another account or in cash.
Pick up a copy of the account closure application in case unforeseen situation(error, failure, etc.).

Closing an account linked to a plastic card takes no longer than 45 days. After this period, the client must receive a paper notifying that the card account is closed.

Video: Features of Multicard from VTB 24.

What is this card for?

Using a Multicard from VTB 24 brings its owner various bonuses and rewards. The most convenient is a multi-currency debit card, which provides the opportunity to convert currency more profitably.

This card is suitable for wealthy bank clients. They are the ones who receive the greatest profit from their purchases by increasing the percentage of benefits depending on their monthly spending.