Visa & MasterCard Gold Debit Cards

Premium cards offer an excellent level of service, an extended range of services and favourable offers and discounts.

  • Account currency: RUB, USD, EUR
  • Discounts and privileges from Visa and MasterCard
  • Issue of additional bank cards
  • Card can be issued within a payroll card programme

A Sberbank of Russia Gold international card will emphasise your high status and provide privileges unavailable to holders of more basic cards: global discounts and special offers, tailored service and a higher level of financial security.

Payment system:Visa, MasterCard
Currency of card account:RUB, USD, EUR
Card validity period:3 years
Service fee:RUB 3,000 per year
Electronic chip protection:yes
Issue of additional bank cards:yes
Overdraft limit:no
Issued as part of a payroll card programme:yes
  • Account management and money transfer via Mobile Bank and Sberbank Online remote services
  • Thank You from Sberbank bonus programme
  • Discounts and special offers from Sberbank partners
  • Discount and privilege programmes from Visa ( and MasterCard (
  • Emergency cash withdrawal in case of card loss abroad
  • Autopayment
  • Secure online transactions
  • Cashless transfer (debiting, transfer) via ATMs and self-service terminals
  • Cashless payment for goods and services both in Russia and abroad
  • Online payment for goods and services
  • Cash withdrawal via ATMs both in Russia and abroad
  • Payment and transfer via Mobile Bank and Sberbank Online
  • Payment and transfer via Sberbank ATMs and terminals
  • Payment transactions using bank card details (by e-mail or on the phone)
  • Card account replenishment using cash or cashless settlement (transfer to a card)
  • Linking the card to Paypal, Qiwi, etc.

Customer requirements:

  • Russian citizen
  • At least 18 years of age for the main card for Electron/Maestro at least 14 years of age, and at least 10 years of age for additional cards (with consent of a legal guardian)
  • Permanent residence in the Russian Federation

The Bank may decide to issue cards to non-residents of the Russian Federation and persons with no permanent residence on an individual basis.

To obtain a card:

  1. Fill in the application form or visit an office
  2. Present your Russian passport
  3. Sign the required documents (in the event of a remote application all documents shall be presented/signed upon receipt of the card)

The application will be processed within two business days, whereupon you will be informed of the Bank’s decision.

  1. Transfer of funds from a Sberbank of Russia debit card:
    - Via the internet using Sberbank Online
    - Via mobile phone using Mobile Bank
    - Via ATMs or payment terminals of Sberbank of Russia
  2. Cash crediting to a card account via Sberbank of Russia ATMs with cash acceptance option.
  3. Cashless transfer to a card account from other accounts, including via third-party banks.

    You need to specify the bank details of Sberbank of Russia to make a cashless transfer.

    You need to specify the bank details of a servicing Sberbank office to replenish your debit card account.

    Indicate the following information in the purpose of payment:

    - Customer’s full name
    - Card number
    - Account number

    Important: funds will be credited to the account on the next business day at the latest after the funds are received by the Sberbank of Russia office.

  4. Money transfers to Sberbank MasterCard and Visa using MasterCard MoneySend ( ) and Visa Payment and Transfer (

    MasterCard MoneySend ( and Visa Payment and Transfer ( are a convenient and fast way to replenish a Sberbank card account by cash settlement or cashless transfer from MasterCard® or Visa cards (of other banks) to your Sberbank card within the same payment system. The services are available via ATMs, the internet, mobile phones and self-service terminals that support the service (owned by any company).

    You need to know only the recipient’s card number to make a transfer.

    How to transfer funds to a Sberbank card:

    For MasterCard — download the MasterCard Mobile application (for iPhone/iPad) to your mobile phone or visit, register your MasterCard and, following the guidelines, transfer the funds.

    For MasterCard and Visa — via ATM or self-service terminal that support this service:

    - Insert your third-party bank card into the ATM card receiver
    - Following the screen prompts, enter the Sberbank card number (within the same payment system) and the amount to be transferred
    - Confirm the transfer

    Cash transfer is available via ATMs with cash acceptance option owned by banks listed on the respective service webpage.

    Important: it takes from 2 minutes to 3 days for the funds to be credited to an account.

  5. Card account replenishment by a Sberbank teller at a Sberbank office:

    - Using the card number: all you need is to specify the card number and present your passport.
    - To a card account (in RUB only): you need to specify the bank details of the Regional Bank of Sberbank of Russia that issued the credit card and the account number to be replenished.

    Note! You can always receive the information on transactions and the total balance of Sberbank cards:

    - By regular mail or e-mail (as you choose) — the Bank will provide a monthly card statement
    - By a text message sent to your mobile phone via Mobile Bank
    - Via Sberbank Online — you can independently generate a card statement for the period that interests you
    - Via the contact centre of Sberbank of Russia 


To block your card in the event of loss, please call: