Connecting a mobile bank allows you to manage banking products directly from your phone using short SMS or USSD commands. Let's compare two tariffs offered by Sberbank - Economy and Full package for a mobile bank.

Sberbank tariffs for Mobile Bank

Sberbank has two types of tariffs for a mobile bank - Full and Economical. The first is provided for a monthly fee, the second is free. In the Full package, the service cost is charged monthly and depends on the type and category of the card. In Economical, part of the operations is available only for a fee.

Let's find out what is the difference and consider each tariff separately. Note that for a mobile bank, Economy and Full packages are connected free of charge. This is what they have in common.

Full package

Provides all types of SMS messages. You will be aware of the movements on the account: receipts, expenditures, the remaining limit. The cards served within this package are divided into:

• Basic debit - the cost is 30 rubles / month;
• Standard - 60 rubles;
• Premium - 0 rubles;
• Credit - 0 rubles.

For a specific user, the type of bank card (its category) affects the cost of service in the Full package of the mobile bank. You don't need to pay anything for the first 2 months - tariffs are valid from the third and subsequent months.

The economical and full package of Sberbank's mobile bank differs in this as well. There is no free saving period, because it itself is free.

Holders of some categories of plastic in Sberbank will cost a full package of 30 rubles. Here is a list of cards of this type:

• Maestro and Visa Electron, including Momentum plastic;
• Maestro Social / Student;
• PRO100 STANDARD;

The average tariff is available for all of them.

For classic cards, the cost of service is twice as expensive. These include:

• Visa Classic, including: Youth, Give Life, Aeroflot;
• MasterCard Standard, in particular: Molodezhnaya, MTS (no longer available);
• Classic payment card MIR of Sberbank.

For them, the tariff is the most expensive.

The most favorable prices are received by:

• Gold and Platinum of the MasterCard or Visa payment system, including the Gift of Life and Aeroflot of the indicated categories;
• Visa Infinit.

Customers with such banking products will not have to pay at all. All SMS commands are free.

Economy package

Comparing Full and, the choice should be stopped on the most suitable for your financial activity.

If you receive and spend money all the time, getting tangled up in account balances, the Full Package is more profitable.

For infrequent operations, the Economy package is sufficient. Its essence is that part of the operations will have to be paid on a one-time basis, for example:

• Account balance message - 3 rubles;
• List of 5 last transactions - 15 rubles;

The rest of the additional services are free: blocking the account, setting the region of use of the payment instrument, transferring to the accounts of certain organizations, information about the cards connected to the number and the services rendered on them.

Regardless of which mobile banking package you decide to use, a guide with a detailed list of short commands and queries will come in handy:

If you tried both options and neither of them came up, then the way out is. But remember that in this case you will not be able to access your Sberbank Online personal account, because SMS with a login code is sent to the phone only if the mobile banking service is active.

What is the difference

Pros and cons of the Full Package:

• Free for 2 months. evaluate the work of the mobile bank (+);
• The client is always aware of account movements (+);
• The need to pay monthly (from the 3rd month), regardless of the need for SMS-informing (-).

Economy package:

• Pay only for certain transactions (+);
• The holder of the plastic is not always aware of the state of the account (-);
• To execute the required SMS command, you need the amount of money on the phone balance for payment (-).

Comparing Economical and you can advise to connect to the second one for free two months, and then decide to turn off the service or leave it.

In any of the packages, transfers and payments will be available to you:

How to disable Full and enable Economy package

If you want to deactivate the Full package and activate the Economy package instead, it will be enough to call the hotline - from a mobile phone at 900 or 8 800 - 555-55-50. The operator will help you change the tariff to another by announcing the current terms of service.

Conclusion

Comparing the economical and full package of Sberbank's mobile bank, it is obvious that each is beneficial in its own way. The full package allows you to always be aware of financial movements, the economical one - only partially, after sending a paid request.

The mobile bank from Sberbank is a set of services, by connecting which, you can use your phone to carry out various actions with the card account, at any time to find out information about the balance, the last transactions performed, block the account and much more.

The cost of connecting and maintaining the economical tariff of the Mobile Bank

Sberbank offers two packages of Mobile Banking services: full and economical. An economical tariff without a monthly fee provides a limited set of services, and a full one - all the capabilities of the Mobile Bank for 60 rubles per month. The first months after the connection for the full tariff is not charged, so that the client can evaluate the benefits of using such a package.

Mobile Bank "Economical" includes the following free services:

• The ability to transfer funds to the account of partner companies of Sberbank;
• Find out the amount of debt on the card;
• Block and activate Mobile Banking;
• Block the card;
• Receive information about bank cards for which the Mobile Bank is connected;
• Register a card assigned to a phone number.

Additionally, you can find out information about the card account balance (3 rubles for each request) and the last 5 transactions performed (one request - 15 rubles).

Opportunities that are not available to the owners of the "Economical" package and are provided only when the full tariff is connected:

• Report on all operations carried out;
• Free balance clarification;
• Free information on the last 5 actions with the map on request.

The differences between the tariffs are not critical, especially since some of the free services of the full package can be obtained by connecting an economical one, but for a small fee.

The main thing is to understand how actively you plan to use the Mobile Bank. In the event that you need, for example, on a daily basis, it makes sense to connect the full package, then you will not have to overpay.

How to connect the economical tariff of the Mobile Bank of Sberbank

Economy and full packages are connected in the same way, and you can switch from one to another at any time.

The first way to connect is to contact a bank branch. To activate the service, an employee will need a Sberbank card and the owner's passport. You can use the ATM by selecting the appropriate item in the menu and following the instructions displayed on the screen.

Another method is to activate Mobile Banking Online. To access the Cabinet, you will need to call the bank's contact center and get the password from the operator.

It is convenient to use mobile devices to check balances, make transfers and payments. If your phone supports the installation of applications, then the link Sberbank Online + Mobile Bank "Economical" will be an excellent option.

Despite the fact that the "Economy" package lacks some services, sometimes it is better to connect just such a tariff. If you do not use the card too actively, and the amount for the requested reports per month does not exceed 60 rubles, then an economical tariff is best suited.

Most of the population uses bank cards. Today, plastic payment instruments can be used not only by adults and working citizens. Sberbank of Russia has developed cards for pensioners, youth, as well as for children.

To control cash flows and always know the balance, a financial institution has developed a special service - Mobile Banking. It is provided to cardholders. There are two tariffs: Full and Economy. In this article, we will look at how the tariffication differs.

It should be noted that this service can only be used by holders of credit or debit cards. Thanks to the mobile bank, you can perform the following operations:

• Request balance.
• Transfer money to another client of Sberbank.
• Make payments on the loan.
• Block the card.
• Receive SMS notifications about completed financial transactions.

All transactions and requests can be made from your mobile phone, provided that the service is connected to it.

The choice of a mobile bank tariff depends on the activity of the owner of the plastic instrument.

If you are an active user of a bank card, it is recommended to activate the full package of mobile banking services. This tariff includes the following options:

• Cash flow notifications on the card balance: replenishment, withdrawal, payment for services or goods, write-off. Thanks to this function, you can protect your money from fraudsters. If you receive a message about the withdrawal of funds, but you did not do this, then you need to immediately block the card.
• Cell phone balance payment.
• Transferring money to a plastic card of another Sberbank client. In this case, you do not need to know the recipient's card number, it is enough to indicate the mobile phone number.
• Request for a statement of the last 5 transactions.
• Auto payment connection.
• Several cards can be connected to one phone number.
• Balance request.
• Obtaining a one-time password required to enter your Sberbank Online personal account.
• Insurance registration.
• Repayment of credit debt.
• Block and unblock the card.

Sberbank is constantly expanding the capabilities of its mobile bank. The cost of the complete package is negligible. If you have issued a card for the first time and connected this service, then the first two months you can use it absolutely free. Then a subscription fee will be charged at the end of each month.

The cost of services for holders of basic bank cards (Visa Electron, Maestro) is 30 rubles. Holders of standard cards (MasterCard Standard, Visa Classic) pay 60 rubles. Gold and credit cards are connected free of charge.

Money is debited monthly from the balance. If there is not enough money, the card is temporarily blocked. After a sufficient top-up, the service will be automatically unlocked.

Tariff - "economy package". What is included in the price

If you rarely use a Sberbank bank card, it is recommended to connect an economy package. In this case, it will be possible to take advantage of the following features:

• Make money transfers.
• Check balance.
• Block and unblock a card account.
• Receive one-time passwords required to log into Sberbank Online and perform financial transactions.
• Receive a statement of the latest transactions.

There is no subscription fee for the service. However, each operation is chargeable. A Sberbank client will be charged from 3 to 15 rubles. For example, to find out the balance request, you will need to pay 3 rubles.

How to connect a mobile bank at the required tariff?

To activate the Sberbank service, you can use several methods. The easiest way is to inform a bank employee when you issue a card that you are going to use a mobile bank. In this case, notifications will be activated within three days.

If you register in your Sberbank Online personal account, the mobile service will be provided automatically.

You can also use an ATM. To do this, insert a plastic tool into the self-service device, enter the password. In the main menu of the ATM, you need to click on the "Mobile Bank" button. Then follow the prompts. You will be prompted to select a package and confirm the activation.

You can change your tariff at any time. For example, you want to upgrade to a Economy package. In this case, you can contact the bank's representative office or send a message to the short number of Sberbank 900 with the text "ECONOMY XXXX", where XXXX is the last four digits of the plastic card number. And if you want to switch to the full tariff, then instead of the word "ECONOMY" you need to enter "FULL". As a result, you will receive an SMS with a code that must be sent in a response message to confirm the activation of the service.

What is the tariff and how is the money withdrawn (debited)?

Connecting a mobile bank is absolutely free. But for using the functionality of the service, a fee is charged. If you have activated the full package, then 30 or 60 rubles will be charged monthly, depending on which type of card you use.

If there are not enough funds on the balance, then the service is temporarily blocked. To unblock it, you need to top up your card account with the required amount of funds.

And at an economical tariff, money will be charged from the card after any transaction.

The subscription fee for the full package is not that high. Therefore, it is recommended to connect this particular tariff, thanks to which you can avoid fraudulent actions with your card account.

Sberbank customers who have deposits, current accounts or bank cards can use the Mobile Bank service.

Mobile Bank is a service for interacting with the bank via SMS messages. Clients who have connected to the service are provided with the opportunity to receive notifications in the event of transactions, as well as make transfers and payments using SMS commands.

The "Mobile Bank" service provides two tariffs: "Economy package" and "Full package".

More about the full package of mobile banking

By choosing the "Full package", the following options will become available to you:

• instant notification of card (account) transactions, SMS are received when money is credited to the account, when cash is withdrawn from an ATM, after making purchases
• request for mini-statement or account balance
• payment for any mobile phone
• transfer of funds to a Sberbank client card by phone number or by name
• obtaining information about the work of the service

The full package of Mobile Banking services is free of charge for clients who are holders of premium (Gold, Platinum, Visa Infinite) and credit cards.

Holders of basic and standard bank cards can choose between the full and the economy package.

What is included in the full package of Sberbank's mobile bank?

The complete package includes the following services:

• Sending notifications about operations on deposits, current accounts, bank card transactions.
• Providing information at the request of the cardholder.
• Providing additional online services:
• account blocking initiated by the cardholder
• service blocking
• setting the region of use of the map
• payments to organizations with which Sberbank has a contractual relationship

Price

When you activate the full “Mobile Bank” package, you will have to pay only for the service of receiving notification of transactions and authorizations by bank cards. The cost of the service depends on the class of the card:

• 30 rubles per month - for holders of basic debit cards (Maestro, Visa Electron PRO100 "STANDARD", "MIR" social)

• 60 rubles per month - for holders of standard debit cards (MasterCard Standard, Visa Classic, MIR classic)

Holders of premium and credit cards enjoy the full package free of charge.

Differences from the economy package

The economy package does not provide for the possibility of receiving notifications about transactions and authorizations by bank cards.

In addition, information at the request of the cardholder is provided on a paid basis. To find out what is the available spending limit on the card account, you will have to pay 3 rubles for the request. Receiving the history of a card account for the last 5 transactions costs 15 rubles. per request.

Advantages of the “full” package of Sberbank's mobile bank

One of the most convenient services of the largest bank in Russia is (what is included in it, we will consider below) provides full access to the software without a monthly fee. Each client of a financial institution who owns a plastic card can use the unique functionality. The innovation is intended to simplify partnerships with customers as much as possible, to increase to the highest possible level. Thanks to the mobile application, you can pay for a variety of services in a few clicks, make transfers without visiting a bank branch.

What prospects does Mobile Bank open?

Luxurious advantages in service are available to customers who are members of the Mobile Bank service (Sberbank). The "Economy" package and the "Full" package are two partnership programs tailored to the needs of different clients. Thanks to the mobile application, everyone has full access to their own. You can connect to the system not only with a stationary computer, but also with a phone, communicator or smartphone. The innovative functionality allows you to pay mobile bills, pay off loan payments, make deposits and make transfers from one card to another at a convenient time. Moreover, simplified access to financial transactions is not the only thing that Mobile Bank (Sberbank) offers. It is very easy to connect the "Economy package". He does not open access to almost all banking operations. It is easy and simple to navigate the system, in fact, as well as to choose the necessary services. Cardholders will be able to track in detail all incoming and outgoing transactions on their account. Moreover, at any time you can send a request and receive a complete report on the status of your bank account.

Possible options for connecting the service

Mobile banking can be connected in several ways:

• Visit a Sberbank branch. You need to write an application and get a card with a PIN code from the branch employees. Having a passport on hand is required. A special agreement will be drawn up in the office, registration in the system will be carried out. The list of services that can be used within the "Mobile Bank" service (Sberbank, "Economy" package) will please. It is not difficult to figure out what is included in it, since the system is very simple and accessible, and the employees of the financial institution are ready to provide comprehensive support at any time. To enter your personal account, you will need to enter your username and password, personal number. It is allowed to connect about 8 plastic cards to one phone number.
• Connecting the functionality is possible through a self-service device - through an ATM or through an information and payment terminal.
• You can open your account under the guidance of a call center operator, who can be contacted at the direct phone number 8-800-555-55-50.

The deactivation of the service can be carried out at the bank branch. An employee of a financial institution will need to provide it with an important passport, an old card registration agreement and the card itself. After contacting the bank, the service is deactivated within three days. The client will be informed about the implementation of his request via SMS. The deactivation of the service is also available through the call center operator.

The most useful services in the "Mobile Bank"

The solution of financial issues is very convenient within the framework of the Mobile Bank service (Sberbank). The "economical" package, the description of which will be presented below, allows you to perform the most common operations right at home. To make debit transactions, you need to visit the "Your cards" menu and select the required card with which you plan to pay. Next, you should click the "Activate" button. After entering the session key, you will be able to log in. The item "Your accounts" is useful in that it allows you to find out the residual balance of funds without the help of an ATM or a cashier. The very same debit transaction can also be carried out in the "Payment for services" section. The application can be downloaded from the official website of the bank, both on the phone and on the computer. The software is provided for such operating systems as Android, iOS (iPhone, iPad) and Windows Phone.

Integrated security

A separate feature is the high level of security possessed by Mobile Bank (Sberbank). "Economical" package (how to connect it, they can also tell in any department) - this is a guarantee of confidentiality of information. Due to the fact that the service provides full access to accounts and the ability to redirect the flow of personal funds in the right direction, the financial institution paid great attention to the system of protection against fraudsters. To access your account, you need to know a huge amount of identification data, which significantly limits the capabilities of attackers.

Do not share your personal data with third parties

Here we will make a reservation that neither passwords nor session keys should under any circumstances be transferred into the hands of third parties. It is necessary to pay attention to the form in which the bank employee issues the key. It must be sealed. If the keys are lost, it is necessary to urgently contact the bank branch and ask for new ones. This will save you trouble if attackers decide to use someone else's data.

Economy package: list of services

The financial institution offers two partnership formats to maximize the satisfaction of its clients' needs. Flexibility and focus on the interests of everyone is one of the main advantages of such a service as Mobile Bank (Sberbank). The "economical" package (what is included in it, we are looking at this article) does not require additional payment. Basic services are provided free of charge, but you still have to pay extra for some manipulations. For example, if you need to get a report on the last five card transactions, one request will cost about 15 rubles. No money is charged for SMS notifications about settlement transactions. A subscription fee, as in the case of the "Full" package, is not required.

The "Full" package provides a subscription fee of 60 rubles. The partnership program provides full access to all possible transactions within the bank. Funds are debited automatically from the card account. If at the time of debiting the funds, the client has no bank, mobile banking is blocked until the card is replenished.

Specifics of Sberbank's offer

Almost everyone was faced with a situation when they had to stand in line at a bank branch for hours in order to make a monthly payment or pay for a certain service. This required not only incredible strength, but also a huge investment of time and nerves. "Mobile Bank" (Sberbank, "Economical" package), how to connect which, as mentioned above, is aimed at reducing the activity of customers in the branch and is focused on the formation of the most convenient format of cooperation.

Mobile banking in the fight against fraudsters

Recently, the cases of cash withdrawal by fraudsters from ATMs have become very frequent. Sad statistics prompted the leadership of the financial institution to radically change the partnership policy. To say more, "Mobile Bank" is adapted even to the needs of holders of Sberbank's international cards. A client of an institution who is located outside of Russia, using the application, can carry out almost any banking operations with minimal effort.

Full list of services available to Mobile Bank clients

One of the most convenient services of the largest bank in Russia is the ability to connect to the Mobile Bank (Sberbank) service. The "economical" package, how to switch to the "Full" package, will be discussed below, but for now let's get acquainted with the full list of available services within the functionality. So, each member of the system can:

• Top up the account of your mobile phone or the phone of another subscriber from your bank card. You can set up banking in such a way that the replenishment of the mobile account is carried out in automatic mode at a specified time and for a certain amount.
• Get complete reporting on accounts (debit transactions, credit transactions, statistics on all transactions for a certain period).
• Upon detection of the fact of fraud on one of the accounts, submit a request and block it immediately.
• Make payments to organizations that have partnership agreements with Sberbank.
• Transfer funds to the cards of other clients, to the accounts of charitable foundations.
• Replenish the deposit and repay the loan.
• Control and track illegal transactions of fraudsters thanks to SMS notification offered by Mobile Bank (Sberbank, Economy package). Technical support staff will tell you how to check the balance on the card in case of notification of an incomplete transaction.
• Take advantage of comprehensive information on the latest news from Sberbank.

The "Mobile Bank" (Sberbank, "Economy" package) is systematically amenable to expansion and modernization. What kind of product it will turn out in the end, one can only guess.

The current tariffs of the mobile bank

Each client of a financial institution who uses the capabilities of the "Mobile Bank" (Sberbank) service can change the "Economical" package to "Full" at any time. It should be said about the broader capabilities of the "Full" package, which, unlike its "Thrifty" counterpart, offers open access to information on the flow of funds for each of the accounts. The only advantage of the "Economy" offer is that in the absence of money in the account, online banking will not be disabled. After the client connects to the service, he is given a test period of several months, during which payment for the application is not charged. Let's dwell on the cost of the offer in detail:

• Holders of Platinum, VisaGold and Mastercard cards get access to their personal account for free.
• Holders of Momentum, Maestro and VisaElectron cards must pay about 30 rubles per month.
• Customers with Mastercard Standart and VisaClassic cards will pay 60 rubles per month.

Possible difficulties

Despite the fact that Mobile Bank has opened up huge advantages for Sberbank's clients, its technical component is not perfect. Users of the functionality quite often complain about the system freezing and the inoperability of individual buttons and functions. There are times when the service is not activated after three days from the moment of registration. This is most often due to errors when connecting a new client. Having informed the department employee about the situation, you will solve all difficulties very quickly. Facts of theft and transfer of funds from clients' accounts were recorded, with which the bank's representatives could not do anything. People had to contact the procurator. Fortunately, such cases are rare, and inattentive people become their participants. If you take a closer look at the issue and study the regulations, no problems will arise as you use the "Mobile Bank" application (Sberbank, "Economy" package). What is included in it, what precautions should be taken, what can and cannot be done - these are questions that you should definitely study on the eve of connecting the service.