Pro100 (payment system).
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:
- A large number of reception points.
- List of partner banks.
- 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.
The Sberbank Momentum PRO100 card is a convenient payment instrument with a number of advantages at a low cost of service.
With the Momentum PRO100 card you can pay for purchases and services, withdraw cash from Sberbank ATMs without commission, as well as from ATMs of other banks that are part of the Universal Electronic Card payment system.
Payment system PRO100
The PRO100 banking project includes many organizations providing a full range of financial services. It is believed that this Russian payment system will gradually take over domestic financial flows from Visa and Mastercard.
Advantages of the Momentum PRO100 Card
The Sberbank Momentum PRO100 card has undeniable advantages:- completed within fifteen minutes;
- accessible to many - card maintenance costs 300 rubles per year;
- the card is equipped with an electronic chip that provides a high level of security;
- The Momentum PRO100 card provides access to any financial transactions.
The high speed of issuing a card is possible due to the fact that it is not named. The card bears the PRO100 logo and is accepted for payment in all places included in the UEC payment system.
Card expiry date
The Momentum PRO100 card is issued for a period of 3 years. An account can only be opened in rubles. The following additional services can be connected to the card at any time:- bonus program Thank you from Sberbank;
- Internet banking from Sberbank Online;
- Mobile bank;
- auto payment for payment of all types of payments, incl. traffic police fines.
How to apply for a card
Any citizen of the Russian Federation who has reached the age of 14 and has a permanent place of registration in the country can apply for a Momentum Pro100 card.
However, if there is only temporary registration, then the application for a debit card will be considered individually and for the most part positively.
The Sberbank Momentum PRO100 card is issued at the nearest bank office. The operator will review the application and process it immediately, within fifteen minutes.
Top up your account and withdraw cash from your card
Momentum PRO100 is used in the same way as other debit cards. If any questions arise, they can be resolved at any bank branch.Refill
Sberbank offers the following options for replenishing a card account:- through Internet banking system Sberbank Online;
- through a mobile application of the same system;
- Mobile bank;
- through Sberbank ATMs and payment terminals.
If you need to make a payment by bank transfer, then you need to have the details of Sberbank of your “native” region, and in the line about the purpose of payment, enter your own last name, first name and patronymic, card and account number.
If we want to top up our account directly at a bank branch, we will need to provide the employee with a passport and indicate the card number.
All information about payments can be obtained:
- by requesting payment details by email;
- using SMS notifications to a mobile phone about ongoing financial transactions;
- you can generate the report yourself in the Sberbank Online system;
- You can contact the Contact Center regarding this issue.
Card withdrawal limit
The withdrawal limit for PRO100 is set at 50,000 rubles per day. It should be noted that in the Sberbank system the day begins to count from 00 hours to 24 Moscow time.Sberbank may part with its PRO100 card project, which it has been developing since 2010. In the context of the launch of the National Payment Card System (NSCP), the state bank considered it inappropriate to support and develop its similar project. The most likely outcome for PRO100 will be the closure of the project, since there are currently no buyers for this product. The main users of PRO100 - sanctioned banks - are already looking for alternatives to this system.
The first deputy chairman of the board of Sberbank, Maxim Poletaev, told Kommersant that Sberbank intends to withdraw from its PRO100 card project. “Obviously, the situation has changed significantly, and we do not see prospects for the development of the project,” he admitted. The project has lost relevance amid the creation in Russia of the NSPK under the Central Bank, which at the end of this year will begin issuing the national “World” card. The issue and acceptance of Mir will be mandatory for all major acquiring banks, which makes the development of their own system impractical. “We are considering several scenarios for exiting PRO100, positive or negative,” Mr. Poletaev told Kommersant, without specifying details. According to Kommersant, they assume the closure or sale of the project.
The PRO100 project was launched in 2010. This is Sberbank’s own payment application, used in the “Universal Electronic Card” (UEC) project, which is controlled by Sberbank (86.8%). PRO100 replaced Sberbank's previous card project, Sbercard, which was not widespread and was closed in 2012. To date, more than 2 million PRO100 cards have been issued.
Banks showed no interest in issuing PRO100 cards before the sanctions. Initially, Sberbank planned to distribute PRO100 as part of the mandatory issuance of cards (UEC) to all citizens with the PRO100 payment application. However, later it was decided to issue the UEC only on a voluntary basis. The revival of interest in the project was facilitated by the introduction of sanctions in March 2014, when the banks SMP-Bank and Rossiya that fell under them were disabled by Visa and MasterCard. They were able to ensure the operation of their cards by connecting to the UEC. Subsequently, banks that came under sanctions, including in Crimea, began to issue PRO100 cards as exclusively banking cards, since access to issuing cards of other payment systems was closed for them. In August 2014, Sberbank itself tried to support the PRO100 project, announcing the start of their issue.
The Central Bank's launch of the Central Bank's national payment system made further promotion of PRO100 meaningless. According to market participants, it is virtually impossible to realize the positive scenario - the sale of PRO100. “Taking into account the expected launch of NSPK cards, I don’t see a buyer in the market who would now be interested in purchasing a payment application different from the common ones,” notes Yuri Bozhor, vice president of KhMB Otkritie Bank. The only real interests in purchasing PRO100 may be the banks that are now actively issuing these cards - the sanctioned largest bank of Crimea, RNKB, and Rossiya Bank. Since the first issue of national cards is planned for the end of 2015, PRO100 could be useful for these banks for the transition period and for further servicing of issued cards. RNKB did not comment on the possibility of purchasing PRO100. Rossiya Bank did not respond to Kommersant’s request.
The possibility of selling PRO100 specifically to sanctioned players is complicated by the fact that the application runs on the MChip of MasterCard. “PRO100 is not alienable from UEC, it is simply a payment application that can be transferred to the buyer in the form of an exclusive license, that is, the right to use technology,” notes Nikolai Smirnov, chairman of the board of directors of Zolotaya Korona. Whether MasterCard will agree to transfer the rights to use MChip, which underlies PRO100, to sanctioned players is a question. MasterCard did not comment on “rumors and speculation.”
However, sanctioned banks are already looking for a way out of the situation. Rossiya Bank was the first to hedge its bets. As Kommersant was told at the bank's call center, cards of two systems are issued there - not only PRO100 cards, but also the United Settlement System (UPS). Until now, ORS, which specializes in merging ATMs of Russian banks, has not announced the issue of cards. In the context of sanctions, the OPC does not try to advertise the innovation. “The company does not have such pilot projects and does not plan,” said Igor Zotikov, chairman of the board of the ORS. However, according to Kommersant’s interlocutors, this project exists, and cards are being issued.
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.
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.