The Sberbank card does not work when applied to the terminal and why the Sberbank credit card stopped being read when applied to the terminal in transport

Contactless payment Sberbank does not work – possible reasons

There are situations when Sberbank contactless payment does not work. Such failures interfere with daily activities, we suggest learning the root causes of the problems and how to fix them.

If the card does not work with NFC technology

Sberbank is considered the first financial institution to start issuing plastic cards with a contactless payment function, which include Pay Pass from Mastercard and Paywind from VISA.

These banking products have certain advantages:

  • promptly pay for goods with an unblocked mobile phone;
  • maintain a high level of confidentiality of the transmitted data. There is no need to present a card;
  • in addition to purchases, it is possible to pay for the services provided;
  • the signal is transmitted over a limited distance, the costs are controlled by the set limit. All this creates additional security from intruders.

Users also noted disadvantages:

  • not all bank terminals are equipped with a scanning device that supports contactless money transfers;
  • the approved spending limit, if it is exceeded, requires the introduction of a PIN-code of a plastic card.

The Sberbank card does not work when applied to the terminal and why the Sberbank credit card stopped being read when applied to the terminal in transport

To conduct a transaction, a bank card is linked to a mobile phone using a special application. To do this, the front side of the card is scanned, or the information on it is entered manually. An employee of a financial institution checks the accuracy of the information and confirms the activation of the NFC function on the Sberbank card.

If the card loses the ability to make contactless transfers, the time for paying for goods and services increases. If Pay Pass does not work on the Sberbank card, determine the cause and take measures to eliminate the problem.

Possible causes of problems

The payment system works stably, but from time to time the card fails. The following reasons contribute to this:

  • there are not enough funds on the card account to pay for goods;
  • the execution of transactions is blocked due to the exceeded limit;
  • the bank card is not brought close enough to the scanning device;
  • no stable connection to the Internet;
  • the bank terminal does not accept payments due to existing damage;
  • there were problems with the software.

Each of the listed reasons differs in its way of solving the problem.

Ways to fix problems

The Sberbank card does not work when applied to the terminal and why the Sberbank credit card stopped being read when applied to the terminal in transport

We know why the contactless card of Sberbank sometimes does not work. Let’s try to figure out what to do in such situations.

Recall that your actions are determined by the reason why the card does not support money transfer:

  • Specify how much is on the card account. Probably, it was not enough to make a payment – replenish the balance through an ATM, bank branch or another card;
  • exceeded the set limit? As an additional confirmation of your own actions, enter the PIN code of the card or withdraw cash from an ATM and complete the transaction;
  • connection to the Internet is lost. If you use an electronic wallet through an iOS device, Internet access is not required, since the module works automatically, generating the codes necessary for transactions. On Android, such a system functions differently – the necessary code is generated in the “cloud”, designed for six applications, after which the mobile network must be turned on;
  • terminal malfunction is eliminated by a specialist. If you have any doubts about the operability of the device, find another device that accepts contactless cash payments;
  • a software failure is typical for both a mobile phone and a banking terminal. In the second case, the check is carried out in a manner similar to cases of mechanical damage.

If the problem is related to your smartphone, please restart it. You may need to reset all card settings and relink it.

Certain background applications are interfering with NFC. Remember that the battery charge of the phone must be sufficient to ensure the operation of the NFC chip.

If contactless payment does not work on the Sberbank card, do not panic. A list of measures will help in solving most problems.

Conclusion

Now it is clear why contactless payment with a Sberbank card sometimes does not work. If none of the methods helped, find a regular ATM and withdraw cash or transfer money in the usual way by entering a PIN code.

Sberbank contactless payment does not work

Often, when paying in a store, the buyer finds out that his bank card cannot make contactless payments. In this case, first of all, you need to check the balance. If you have money, but Sberbank contactless payment does not work, you need to check the following points:

  • Zero or negative card balance.
  • Card limit exceeded.
  • No internet connection.

The NFC function may not be enabled in the smartphone settings. It is impossible to exclude hardware failures of the smartphone. There is also a failure in the operation of the POS terminal, but very rarely.

The interaction of a smartphone with NFC and a POS terminal will be supported even if there is no Internet on the phone. Contactless payment will not work only if the smartphone or POS-terminal is discharged.

When the battery of the POS-terminal is normally charged, interaction is provided by a magnetic field — that is why Internet is not required to read information from a smartphone

Sberbank contactless payment will also not work if the reader has lost the signal. In this case, you will have to wait for the connection to be restored or pay for the purchase in cash. PayPass malfunctions indicate damage to the chip or antenna.

POS-terminal does not work

There are two main reasons why a POS terminal fails.

  • Chip failure — a corresponding message will appear on the terminal screen.
  • Lack of connection is the most common reason why Sberbank contactless payment does not work.

Also, one should not forget about the balance of the card – often the owner forgets that there are no funds on his card.

Zero or negative card balance

If the reason for the refusal to complete the transaction is the zero balance of the card, the store employee will notify the buyer about this. This information is displayed on the terminal screen.

Hardware and software failures

Terminal software malfunctions are very rare. As a rule, they are expressed in a short loss of connection.

NFC malfunctions may occur during card linking. In such a situation, it is recommended to do the following:

  • Check if the card supports contactless payment;
  • Check if the smartphone has an NFC chip;

It is necessary to check whether the payment data and card data are entered correctly in the smartphone itself

Make sure that the card is not blocked by the bank. The contactless payment method will also not work in the following situations:

  • Card activation failed.
  • The NFC chip is out of order.
  • The bank that issued the card is not a partner of the Visa or MasterCard program.

Thus, it is usually not difficult to solve the question of why Sberbank contactless payment does not work.

After carefully checking each item in this manual, the user will find exactly the reason why NFC stopped working for Sberbank.

What to do if the Sberbank card is broken, demagnetized and unreadable?

The Sberbank card does not work when applied to the terminal and why the Sberbank credit card stopped being read when applied to the terminal in transport

A plastic card is a universal payment instrument representing a non-cash payment system that greatly simplifies life, saves time spent on purchases and payments, transfers.

Once paying at the checkout, you may find that the card is not readable. It can fail for a variety of reasons. Consider the reasons why the Sberbank card is not readable.

Media problems

A bank card is a unique payment instrument that provides non-cash payment. The main function is to identify the holder as a subject of the payment system.

There are 3 identification mechanisms:

  • barcode;
  • magnetic strip;
  • special smart chip.

It is noteworthy that barcode media are not used by payment systems, as they are poorly protected from data theft.

A chip and a magnetic strip act as a kind of information storage. They contain information about the holder, his solvency. Plastic media is no longer readable when one of the elements is damaged.

Below are the reasons why the chip or magnetic strip is damaged, the card is no longer readable by the terminal, ATM.

Most often, debit cards become unreadable due to degaussing. This is due to:

  • exposure to magnetic fields generated by electrical appliances;
  • non-compliance with storage standards. For example, plastic is demagnetized when worn in trouser pockets.

Most often, they can become demagnetized due to contact with phones or tablets. For example, many people wear plastic under their phone cases. This contributes to the demagnetization of the magnetic strip, prevents the terminal from reading it.

The Sberbank card does not work when applied to the terminal and why the Sberbank credit card stopped being read when applied to the terminal in transport

Expiry date

The plastic carrier has a strictly defined period of operation. The term is indicated on the front side, displays the month and year before which it can be used by the holder.

Upon expiration of the term of use, the owner must order a reissue of a bank card. The procedure is free.

If you do not change the old payment card for a new one in time, it will no longer be readable, and it will become impossible to pay with it.

Most holders are interested in the question of how long the life of media is. This indicator is individual and depends on the product category (standard, gold, etc.). On average, the duration of walking does not exceed 3 years.

Blocking

The blocking procedure is performed for various reasons, as a result of which all actions are frozen, the card stops working. It is not possible to pay with it or withdraw cash from an ATM.

As a rule, the lock is ordered by the holder in case of loss. There are other reasons why this happens:

  • the owner violated the rules of the agreement concluded with the bank upon registration;
  • strange activity detected, suspicions of fraudulent operations appeared;
  • entering an incorrect PIN code more than three times;
  • cash withdrawal in a suspicious place;
  • conducting suspicious foreign transactions.

If you did not block the card yourself and are sure that your actions were not illegal, the first thing to do is to contact the bank branch. Employees are required to promptly deal with the situation and restore the card.

The Sberbank card does not work when applied to the terminal and why the Sberbank credit card stopped being read when applied to the terminal in transport

Breakdown

Also, the plastic is no longer readable by the terminal as a result of a breakdown. You can break it without observing the rules of storage and operation. For example, carrying a card in the pockets of clothes wears out its reading chip, damages the magnetic tape.

If the Sberbank card is broken, you must order its early reissue. Since the breakdown occurred through the fault of the owner, you will have to pay for the restoration procedure.

The actual question is, can a card break if washed? The reading chip is susceptible to various mechanical influences, and contact with water is detrimental to it. Ordinary washing causes enormous damage to the plastic cashless tool. After washing a card with things, at the exit you will receive a piece of plastic that no terminal will accept.

How to use a non-working card?

Unfortunately, you will not be able to use a damaged plastic carrier to pay for goods or services. But, there is an alternative way to withdraw cash.

Step-by-step instructions on how to withdraw money from a non-working media:

  • Come to any branch of Sberbank with identification documents.
  • Go to the cash department.
  • Ask the cashier for cash.
  • Get money.

It is noteworthy that you can withdraw funds in this way during the working hours of the organization. It is not possible to withdraw cash at night.

Let’s figure out what to do if the Sberbank card is broken, for how much it will be restored.

The Sberbank card does not work when applied to the terminal and why the Sberbank credit card stopped being read when applied to the terminal in transport

What to do with a damaged card?

If you find that the card is no longer readable and accepted by the terminals, you must immediately block it. This can be done in the following ways:

  • by calling the hotline;
  • by contacting the bank branch in person;
  • in your account;
  • using the mobile banking service.

After completing the blocking procedure, you must contact the bank branch to file an application for restoration.

Step-by-step instructions on what to do if the Sberbank card is demagnetized:

  • Come to any Sberbank branch with a passport.
  • Contact the cash department.
  • State the problem in detail to the employee.
  • Write an application for reissuing a debit card.
  • Hand over the damaged blocked card to the cashier.
  • Wait for the application to be processed and get a new card.

The bank will charge a fee to restore damaged plastic. The price of the service depends on the category – standard, gold, etc. Initial base cards are reissued for 30-60 rubles. The procedure for restoring products of prestigious categories is estimated at 150 rubles. If desired, the commission fee can be debited from the personal account linked to the card.

The card will be restored within 5–14 days. You can speed up the procedure by purchasing the service “accelerated issue of a new card”. The reissue price will increase by 100 rubles.

Good to know

What to do if the Sberbank card is not readable? Most people are not aware of the specifics of this problem. It is important to understand that the difficulties in card readability are not in the plastic itself, but in the reader (ATM or terminal).

The Sberbank card does not work when applied to the terminal and why the Sberbank credit card stopped being read when applied to the terminal in transport

If the ATM was incorrectly rebooted or there were some failures in the system, it may not accept cards. You should not immediately block it and demand a reissue, since these procedures are irreversible. Try inserting the card into another device.

Plastic media guidelines:

  • Keep cards away from phones or tablets to prevent degaussing.
  • Do not put plastic in your pants pockets to prevent chip breakage.
  • Do not allow the card to come into contact with water.
  • Do not bend the card, otherwise the magnetic stripe may be deformed.
  • Keep payment cards separate from bonus and discount cards.

Summarizing all of the above, we can conclude that the life of any payment card depends on how it is handled. Follow all recommendations for storage, and then your payment instrument will last as long as possible.

Why the Sberbank card is not readable in the store

Bank cards have become so tightly integrated into our everyday life and have simplified most of the calculations that sometimes it seems that it will be impossible to do without them. Although breakdowns rarely happen to them, especially if properly stored and used, trouble can still happen at the most inopportune moment. For example, when paying at the checkout, the terminal will not be able to read the card, or the ATM simply does not recognize the plastic. There are many reasons why the Sberbank card is not readable, let’s try to figure it out.

There are several main reasons why a bank card is not readable: from a breakdown of the plastic itself to a malfunction in the Sberbank system. Some of the problems are identified independently, and some will be seen only by a bank employee. Let’s analyze the most common problems.

Plastic breakage

The most common reason why plastic is no longer readable by payment devices is its breakdown. This can be either mechanical damage to the integrity of the magnetic strip or the built-in chip. Most often, this situation occurs due to improper storage of the card: carrying it in your pocket along with the keys, contact with other hard objects and intentional damage. In this case, it will be impossible to use it in the future.

Degaussing

The Sberbank card does not work when applied to the terminal and why the Sberbank credit card stopped being read when applied to the terminal in transport

Another common cause of malfunction is demagnetization. Since most cards are issued using a magnetic strip for recording and storing individual data, it is logical that plastic cannot be used if the strip fails. The probable causes of damage to the magnetic strip, in addition to mechanical impact, are:

Pay attention! If you drop the plastic into water for a moment, but then immediately wipe it dry, then there is no reason to worry, it will perform its functions properly.

Expiration

Expiration is one of the reasons why the Sberbank card is not readable in the store. All plastic is produced with an exact expiration date, it is printed on the front side.

Ideally, a new card is received before the expiration of the old one. To do this, it is enough to contact the bank branch where the contract was drawn up and order a reissue with a subsequent replacement in time. But if the deadline has already expired, and the client revealed this later, then you can immediately go to the bank, since the new card is already there.

It is not possible to withdraw money or pay at the store with an expired card. The system will always give an error. As a rule, the shelf life is 1-3 years, depending on the type and type of plastic.

If a bank card suddenly stopped being read, it is very likely that it is blocked. There are several reasons for this:

In addition, the client could block it himself in case of loss, so that the attackers could not use the money.

Can I use non-working plastic?

It will not be possible to use damaged plastic for real transactions and withdrawing money through an ATM. However, no one has canceled contactless payment if such an operation is available. As a rule, if the account is not blocked, then you can pay using your smartphone.

The Sberbank card does not work when applied to the terminal and why the Sberbank credit card stopped being read when applied to the terminal in transport

Another option is online transactions and transfers. With an active account, the client can continue to make non-cash payments to pay for goods and services. And you can also make an electronic transfer of funds to the account of another working card. However, additional fees may apply for this.

The last option, if the bank card is not readable by self-service devices, but there is a need to withdraw cash, contact the bank branch with a passport. The operator will identify the owner of the account and debit the funds without using plastic.

How to deal with damaged plastic?

The only thing that can be done with a card that is not recognized by readers is to reissue it again. To do this, a number of actions are carried out:

The bank does not provide for fines and additional fees for damage to plastic.

Operating instructions

As previously pointed out, damage to the card occurs due to its improper use and storage. In order for it to operate throughout the allotted period of operation, it is enough to follow the rules:

Subject to these recommendations, there will be no question why the Sberbank card does not work.

Can the card become demagnetized when worn near a mobile device?

With a small degree of probability, demagnetization can occur upon contact with the phone. However, the likelihood of such an outcome is relatively small, especially for short-term exposure.

How much does it cost to repair damaged plastic?

If the card fails due to the fault of the user, then the fee will be from 50 to 200 rubles for reissuing. But if it gets corrupted without human intervention, then re-release will be free.

Is it possible to withdraw cash at night from a non-working card?

It will not be possible to withdraw money from a non-working card through an ATM. However, you can withdraw money to another working plastic and cash it out at any convenient time.

What will happen to the card if you wash it?

In most cases, exposure to high water temperatures and severe impacts on the drum and other hard objects (buttons, zippers) may damage the card and render it unusable.

What to do if the credit card is not readable?

More and more people use cashless payments, but nevertheless, withdrawing money from an ATM is not at all uncommon in our society. For this purpose, credit and regular cards are intended. But what is the surprise of the cardholder, if one day the ATM does not accept the plastic card, “spitting” it back. How to be in such a situation? The answers are below.

Why can’t the credit card be read?

A message about the unreadability of a credit card is displayed directly in the ATM window. If the buyer pays with a credit card in a store, then the cash register will also issue an “error” in accessing card data. Both situations are related to the unreadability of the chip or magnetic tape.

When is a credit card unreadable?

Incorrect card insertion into ATM

A plastic payment instrument is inserted face up and with a magnetic strip closer to the right side of the receiving device in the ATM. In order to correctly insert the card, it is enough to slightly attach it to a special cut, after which the ATM will “tighten” the card and open the action menu.

The card is not serviced by an ATM

Even if you insert the card according to the rules, the receiving device of such an ATM will not read the data. Therefore, before inserting a plastic payment method into an ATM, you should find out whether it serves your bank cards or not.

Card damage

Abrasion of a magnetic tape or a chip causes a malfunction of a credit card.

Non-working ATM

In the event that the ATM does not work, you will have to look for another machine.

Faced with the problem of illegibility of a credit card, do not rush to run to the bank and demand the issuance of a new plastic “piece”. It is possible that the card is working, but the ATM or reader in the store that accepts it is broken. Therefore, take a walk to another ATM and check if it will accept your card or not? It is advisable to visit at least 3-4 ATMs, and only then contact the bank.

Damage to the black magnetic strip or credit card chip code cannot be repaired. The only sure way remains – to visit the nearest branch of the bank and apply for a new card to replace the damaged one. The issuance period is from 3 to 14 business days, depending on the workload of the bank. The funds on the old credit card will be automatically transferred to the account of the new card.

Alternative withdrawal options

In large cities, you can withdraw money from an unreadable card in the following ways:

Credit Card Storage Tips

To avoid damage to the magnetic stripe or credit card chip, it is recommended to follow these tips:

Following simple recommendations will eliminate the need to contact the bank to issue a new card.

What should I do if the chip on the card does not work?

If the systems match, but the ATM does not accept the card, just in case, you need to try it in another device. Refusal to accept the card by several ATMs indicates that the magnetic strip is damaged. This means that the card must be reissued, for which you need to contact the branch that issued the card.

Can I use a bank card if it is damaged?

This is one of the most innocuous damage, and usually the card can be safely used further. But make sure that the magnetic strip is not severely scratched, otherwise servicing devices (ATMs / terminals) will not be able to read the data printed on it.

What should I do if the chip is not readable on the card?

If the bank card is no longer readable, then most often the reason is demagnetization. Just do not keep it near any electrical appliances and various gadgets. This also happens when the card chip itself is damaged.

What to do if the Sberbank card is not readable?

The ATM may refuse to accept damaged, dirty or crumpled banknotes and simply return them back. If the bill is wrinkled or folded, try smoothing it out and placing it in the ATM again.

Is it possible to use Sberbank online when reissuing a card?

You can activate a reissued card in the Sberbank Online application. When applying for a reissue, Moscow residents can order a card delivery service by courier.

Is it possible to withdraw money from the account when reissuing a card?

Withdraw money through the cashier, the card is being reissued

When the card is reissued, the card account remains the same, so you can safely contact the bank with your passport to withdraw money from the card account.

Why did contactless payment on the card stop working?

Conclusion Contactless card payment may not work if the terminal loses connection with the bank, if the chip on the card itself or on the reader or smartphone fails, if the partnership between the credit institution and mobile services is broken, and also due to for software failures.

What happens if you cut the card?

Why can’t cards be thrown away? Any card is only a payment instrument behind which there is a bank account, and by cutting the plastic card itself, you will not get rid of the account. Thus, you will still be charged for the service, if this is in accordance with the rules of the bank.

Why doesn’t the card pass on the bus?

This can happen for the following reasons: when several cards are swiped to the terminal at the same time, when the card is swiped off the center of the reader, when there is mechanical damage to the card (chip or internal antenna), or if the card is taken away from the reader too quickly.

Is it possible to withdraw money using a passport without a card?

Let’s summarize and briefly answer the question: “Is it possible to withdraw money using a passport without a card?”. You can, if you block it and contact any bank branch to reissue it – only in this case you will be given money if you have a passport.

Why is the VTB card not being read?

Sometimes the map is not readable. This happens due to damage to the media, which can crack, bend. The reason may be the deformation of the magnetic strip and the chip. If this happens, then you should contact the nearest VTB office for reissue.

Can the card be magnetized?

Alas, but there are no ways to magnetize the card yourself after demagnetizing it, so that later you can again use it for its intended purpose. However, there are alternative methods of getting money from plastic, even if it is not in working condition.

How to correctly insert a card into an ATM?

Inserting a card is quite simple, you need to follow the rules:

What to do if the bank card of Sberbank is no longer readable?

The Sberbank card has replaced money for many Russian citizens. This is a convenient payment tool that allows you to make cashless payments with individuals and legal entities. It is enough to insert plastic into a terminal or ATM, and a large number of financial transactions will become available to you. At one fine moment, you may find that the self-service machine does not “see” your card. What to do if the Sberbank card is not read? Where to apply, and is it possible to restore a convenient means of payment?

There are several standard reasons why an ATM does not read a card. This is:

If the self-service device gave you such information: “the device does not service this card”, and you are puzzled by the question, what is the reason. The answer to it may be the following:

You can find out exactly why the card does not work only by contacting the bank that issued it.

The way the problem is solved depends on the bank verdict.

Degaussing is the most common cause of illegible plastics. It happens because of:

Expired

If, during settlements at the cash desk, it was discovered that the card has ceased to function, it may very well be that this happened due to the banal reason for the expiration of the validity period. You can find out if this is so by looking at the front side of the payment instrument.

If you are convinced that the reason is in time, contact the bank with an application to reissue the payment instrument. This is done free of charge within 2 weeks from the date of application.

Reason for blocking

It is impossible to withdraw money from a blocked card. It is also not suitable for payments for goods and services. Blocking can be initiated by both the holder and the financial institution if its administration suspects fraudulent activities.

Users and banks block plastic for the following reasons:

Regardless of who made the blocking, Sberbank or the holder, the problem can be solved only by contacting the bank.

Broken ATM or card

A valid card may not be accepted by a faulty ATM. Usually a message stating that the device is not functioning is placed next to it or on its monitor. However, you may be the first user to discover a breakdown. In this case, you will not see any warnings.

Mismatch of the card with the payment system

Various payment systems operate on the territory of Russia. If you use Sberbank ATMs, you do not need to worry about PS mismatch. Sberbank machines work with most of the world’s PSs.

How to withdraw money from a non-working card?

ATMs are not the only way to withdraw money. They have decent alternatives:

Express card issuance service is available at an additional cost.

If you find that your card is damaged, it must be blocked immediately. This is done in one of the following ways:

  • Why can’t a bank card work?
  • Conclusion

Almost everyone has a bank card today. This is a convenient payment tool that allows you to make purchases in a store, pharmacy, pay a bill in a restaurant and cafe. A bank card can be a credit or debit card. There are also payroll and social cards, which receive funds in the form of benefits, subsidies, payments from the state.

But what if the card didn’t work at the time of payment? In such a situation, it is necessary to repeat the procedure or pay for the goods with another card, in cash. And then find out in the bank that issued the card (for example, Sberbank), for what reason the Sberbank card does not work and what needs to be done.

Why can’t a bank card work?

In Sberbank, you can get a card to store your own savings or receive money from the bank. This is a credit and debit card. Also, customers have the opportunity to apply at Sberbank for the MIR social card. It is also a pension and for receiving child benefits.

Any Sberbank card, whether it is a credit, debit Visa or Mastercard, payroll, pension card, may stop working at some point. The reasons are very different, so consider the main ones.

The card is damaged (demagnetized)

The Sberbank card does not work when applied to the terminal and why the Sberbank credit card stopped being read when applied to the terminal in transport

Nothing lasts forever and a bank card too. The main reason why a Sberbank card does not work when paying for goods and services in a store is mechanical damage to the carrier itself. If you keep it in your pocket with keys and other metal objects, the main identification mechanisms may be damaged.

If a barcode, magnetic strip, smart chip is damaged on a Sberbank or other bank card, it will not work in a terminal or ATM. Contactless payment will not work either, but you can still pay online with it, indicating the basic data: number, CVV2, expiration date.

To prevent demagnetization of a debit or credit card prematurely, it is necessary to use it according to the following recommendations:

  • not to be worn under the cover of a mobile phone or other electrical device;
  • do not carry in the same pocket with keys and other metal objects.

What should I do if the card is demagnetized or damaged?

A bank card with a damaged barcode or magnetic tape cannot be repaired. If the Sberbank card is not read in a store or ATM, you need to replace it. To do this, contact the nearest branch of the bank and write an application for reissuing the card. The card must first be blocked through Sberbank Online.

Banks usually charge a fee for replacing plastic that has not expired. At Sberbank, you will have to pay 150 rubles for reissuing a classic debit card, pension, credit, MIR, social.

Gold and platinum cards of Sberbank are subject to reissue at any time free of charge.

Expired

The Sberbank card does not work when applied to the terminal and why the Sberbank credit card stopped being read when applied to the terminal in transport

All Sberbank cards are issued for a certain period. Visa or Mastercard credit and debit cards are valid for 3 years. The validity period of cards of the national payment system MIR is 4 years.

After the expiration of the established validity period of the card, it is necessary to apply for the re-issuance of a plastic product. To do this, you need to visit the nearest branch with a passport and fill out an application. Another way to order new plastic is online through your Sberbank Online personal account.

Sberbank issues credit cards automatically 1 month before the expiration date. To do this, you need to contact the bank branch where the plastic product was issued. You must have an old card and a passport proving your identity with you. The operator will make the exchange.

After receiving a new Sberbank card, do not forget to activate it through an ATM.

Card blocked

A bank card often does not work due to blocking. The owner himself can block the card due to loss or theft and the bank. Sberbank can block a card for a number of reasons:

  • incorrect PIN code entry in ATM more than 3 times;
  • suspicious transactions, for example, cash withdrawals or transfers within a short time;
  • violation of the rules of an agreement with a financial institution;
  • bailiffs’ request;
  • court order.

What to do if the card does not work – is blocked?

It is easy to understand that the bank has blocked the card. If outwardly the plastic looks normal, but there is money in the account, most likely, the financial institution has restricted access to them.

To understand the reason for blocking the card and sort out the situation, call the Sberbank hotline directly to the operator.

  • +7 (495) 500-5550 for calls from Moscow
  • 8 (800) 555-55-50 for calls from other regions

If a Sberbank card is blocked, you cannot withdraw money from it through an ATM or make a transfer to Sberbank Online. Until the circumstances are clarified, the finances will remain frozen in the account.

No money on the account

When making a payment, it is important to make sure that there is money on the card balance. To do this, check it in one of the ways. If there is not enough money on the card, you will not be able to pay. Contactless payment will not work. The terminal will give an error.

Top up a Sberbank card in cash or make a transfer from another account, phone, electronic wallet. And then try the operation again.

The Sberbank card does not work when applied to the terminal and why the Sberbank credit card stopped being read when applied to the terminal in transport

If the Sberbank card stops working, you need to inspect it and make sure that the carrier is not damaged. A common reason why contactless payment in the terminal does not work is degaussing. If outwardly plastic, in satisfactory condition, check the balance via SMS or Sberbank Online. In case of blocking, it will not be possible to perform this procedure.

To clarify the exact reason why a plastic product does not work, it is best to contact the nearest bank branch with a passport. The operator will check whether the arrest has been imposed on the card account, and whether the payment instrument itself is working in the required mode.

Remember that the card must be stored separately from the mobile phone. The best place is a special compartment in your wallet. And never write down the pin code on plastic and do not store it in close proximity to it on separate paper. If your wallet is lost or stolen, this will help hackers get hold of your finances.

Popular related questions:

Why doesn’t the terminal read the Sberbank card?

A common reason why it is impossible to pay with a card in a store is that the terminal does not see it. The reason is the degaussing of the card. In this case, you need to order a new card, since it is not possible to restore the old one.

If you tried to pay for a purchase in a store / pharmacy / gas station with a card, but the terminal does not read it, please try again in a few seconds. Check if the card is correctly inserted into the terminal.

If everything is done correctly, but the payment does not go through, use another banking product or cash. This card, most likely, will have to be replaced, as the magnetic strip, a special smart chip, is damaged.

Why doesn’t the Sberbank ATM read the card?

Make sure the card is inserted correctly. The self-service device has a picture of how to correctly insert the card into the ATM.

  • magnetic tape or chip does not work;
  • does not match the payment system. For example, ATMs abroad do not accept the MIR card of Sberbank or another bank;
  • the ATM itself is not working.

A bank plastic card is a universal tool for making non-cash payments. This system has made our life much easier. Payments, transfers and other financial transactions are carried out much faster than in cash. That’s just “plastic” can also fail. In such situations, the question arises – why is the Sberbank card not readable at an ATM and in a store? Let’s consider the possible causes of this problem.

The Sberbank card does not work when applied to the terminal and why the Sberbank credit card stopped being read when applied to the terminal in transport

Why the bank card is not read by the ATM

Various situations may arise, sometimes you can fix the problem yourself, and in some cases you can’t do without a reissue. Consider the standard reasons:

  • Incorrectly inserted “plastic” into the receiver. It is necessary to insert the front side, where the number is indicated, the chip first. Otherwise, it cannot be read. Before you start using, you can study the picture-instruction on the device itself.
  • ATM breakdown. This rarely happens, but still such an option cannot be ruled out. There may be technical or software problems. In such a situation, you will have to look for another ATM. Do not try to push the card further, it may remain in the card reader.
  • Broken chip. Today it is easy to solve such a problem using the remote way – RFID. Almost all modern devices have a contactless service that allows you to simply attach a card. But if it is heavily worn or damaged, scratched, nothing will work. In this case, you can use your smartphone if it has an application like Google Pay installed on it. If the chip is not readable, you can still try using a magnetic strip.

If the above reasons are excluded, and the ATM does not accept the card, there is a possibility that:

  • validity period expired;
  • blocking on the card;
  • for some reason, the device cannot accept the payment instrument of another bank;
  • card account is frozen;
  • the “plastic” has serious damage.

The card is demagnetized

There is a possibility that degaussing has occurred if the Sberbank card is not readable at an ATM. By the way, this is one of the most common problems. This may be due to:

  • incorrect storage, for example, the card was kept in the pocket all the time;
  • magnetic fields that electrical appliances can create.

Validity period passed

The reason can sometimes be banal. We do not always pay attention to the expiration of a plastic card. It is written on the front of the “plastic”. If it turned out that the period has expired, you must apply to Sberbank with an application for reissue. Most often, the bank independently monitors the validity period and warns the client about this in the Sberbank Online application, so you only need to go and pick up the reissued payment instrument. This service is free.

Or 45 days before the end of the validity period of the card account, the client receives a notification from the standard number 900. After the manufacture of a new banking product, the holder will receive an SMS notification again. The status is easy to track in a mobile application or a client’s personal account.

The Sberbank card does not work when applied to the terminal and why the Sberbank credit card stopped being read when applied to the terminal in transport

Account lock

Sometimes a Sberbank card is not readable at an ATM, is not accepted by terminals due to blocking. It is impossible for her to pay for a product or service. The owner or financial institution can block the “plastic” if fraudulent activities have been noticed.

The card may be blocked in the following cases:

  • suspicious foreign transfers were noticed;
  • cash was withdrawn from a suspicious place;
  • entered an incorrect PIN at an ATM three times;
  • arrest of a card account. This can be done by a creditor, bailiffs in the presence of unpaid debts (for housing and communal services, fines, alimony, etc.);
  • violation by the holder of the clauses of the banking agreement;
  • the card is forgotten at the ATM;
  • the client lost the card or it was stolen by scammers.

If the blocking was done through the contact center, there is still the possibility of canceling the operation within 48 hours from the moment of the ban on any operations on the account. An operation that was performed through Sberbank Online cannot be canceled, since this application is processed automatically within the first ten seconds. Blocked “plastic” can only be reissued so that it can be read again.

Card or ATM does not work

A defective device may not read the work card. Most often, a message about problems with the machine is placed on the monitor or next to it. But you can be the first user to discover a breakdown. Naturally, in this case, there will be no notification yet.

Then you will have to look for another ATM, so you can check the “plastic” itself. If it does not function in another device, then the problem is in the card.

“Foreign” payment system

Several payment systems are common in Russia. Everything is accepted at Sberbank ATMs. But if your self-service device is not nearby, you will have to check on the device of a “foreign” bank. This is where problems can arise.

Why is a Sberbank card not readable not only at an ATM, but also in a store

Sometimes, when paying in supermarkets, stores, an employee reports that “plastic” is not readable. Why does it happen?

Card defects

If the payment instrument is read in an ATM or terminal for more than 30 seconds, it means that the chip or magnetic stripe is damaged, there are scratches. It is necessary to replace the card if more than three months remain before the reissue according to the validity period.

The Sberbank card does not work when applied to the terminal and why the Sberbank credit card stopped being read when applied to the terminal in transport

POS terminal problems

Sometimes there are problems with the cash register. It’s easy to understand – if before that you had already withdrawn cash or just paid at another outlet, everything is fine with your “plastic”.

When a problem occurs, the terminal screen may display garbled information or the screen may be blank. In this case, the payment will not go through, because the card account data is not read.

No connection

If there is no Internet connection, a notification appears on the POS-terminal screen that there is no connection with the bank. You can just wait 5-10 minutes, usually during this time the connection is resumed.

In the event that a message appears on the screen that there is no connection, and the funds have been debited, you can pick up the check and purchase. If they were written off after a few hours, and the client did not take anything, you should contact Sber to cancel the payment or go to the store for the paid goods.

How to solve the problem and withdraw cash from a non-working card?

It will no longer be possible to use a damaged plastic instrument for payment. But you can withdraw “cash” at the cash desk of Sberbank. For this:

  • Visit any branch of Sberbank with a passport;
  • Take a ticket and wait in line at the cashier;
  • Tell us about your intention to withdraw cash;
  • Get money.

But it will only be possible to use this method during the working hours of a financial institution. It should be noted that there are limits to such withdrawals. The manager can only issue an amount up to 50,000 rubles.

The Sberbank card does not work when applied to the terminal and why the Sberbank credit card stopped being read when applied to the terminal in transport

But even a completely damaged card is suitable for paying for services and goods on the Internet. For this, the details located on the “plastic” are used. When buying requested:

  • card number;
  • surname, name of the holder in Latin letters;
  • validity period;
  • CVC2 and CVV2 code – this security code can be found on the back, it consists of three digits.

After entering, an SMS notification with a code will be sent to the phone number linked to the card account. It must be entered in a special field and confirm the operation, the money will be debited.

In addition, you can transfer through the application or personal account “Sberbank Online” to another card of Sberbank or another financial institution. And then take them off.

How to deal with a damaged card?

If the Sberbank card is not readable at an ATM, and you find damage on it, you must immediately block it:

  • in the client’s personal account;
  • via mobile bank;
  • call the hotline;
  • contact the Sberbank branch.

Replacing a card due to a technical malfunction is free of charge at Sberbank. But it will be necessary to wait for production, a new payment medium is issued within 14 days. Where to apply for registration? You can go to the office or use your Sberbank Online personal account.

To order a reissue, you will need a passport. The old card is handed over to the employee, the client signs the application and that’s it. Remember that when registering the procedure, you must correctly indicate the reason for the reissue. If you select “Card stolen”, a commission will be charged, it is not large, less than 30 rubles, but you can still do without it.

Closing a card account

If the “plastic” has become unusable, and the client decides not to use the faulty Sber card, he can personally contact the branch to completely close the account. This treatment is free:

  • the client provides a faulty card and his passport;
  • a bank manager fills out an application for closing an account.

In the event that the Sberbank card is not readable at an ATM, it is necessary to transfer or withdraw funds from it. If there is a debt for use, for a loan or for the Mobile Bank service, the holder can pay it at the bank’s cash desk and immediately apply for termination of the agreement.

The card account will be closed within 45 days. If there is money left on it, at the time of closing it will be transferred to one of the client’s existing accounts. All this period of time the card will be blocked.

The Sberbank card does not work when applied to the terminal and why the Sberbank credit card stopped being read when applied to the terminal in transport

The card remained in the ATM

There are situations when a Sberbank card is not readable at an ATM, and he “swallows” it, that is, it does not go back. Most often, this happens through the fault of the owner himself. For example, if the PIN was entered incorrectly 3 times, the card is blocked and it remains in the self-service device. “Plastic” after that is sent to a special container, and you can pick it up only at the bank.

Another example: a specific amount of time is allotted for the withdrawal operation itself. So within 30-40 seconds you need to have time to take banknotes from the slot, there is a “regulation” in order to pick up the card. If you think long enough, the device will “confiscate” both the card and the money. All this is done for the safety of customers. So you need to be especially careful and focused, as in everything related to financial matters.

If this happened to you, call the Sberbank service support, its number is on the ATM. You will need the following information:

  • full name;
  • Year of birth;
  • Passport data;
  • Code word;
  • The answer to the security question.

Under no circumstances should you give your PIN, even to a bank employee!

It happens that the digits of the service number are not visible or hard to read, then you can contact customer support. There they can block the account or redirect the owner to the branch where it was issued.

Recommendations for the use and storage of plastic cards

Now you know why the card is not readable at an ATM, so that it stays working longer, you should remember some rules:

It is better to store “plastic” in a silicone case, separately from other cards

The card must not be exposed to heat, water or sunlight

You need to carefully insert and remove it from the ATM

You can’t break it, bend it, scratch it. Even a small imperceptible damage to the magnetic stripe or chip can render the card inoperative

No need to carry it in your pocket with a smartphone, keys

Be sure to check the expiration date of the plastic media

Do not try to fix it yourself, glue or solder it, you must immediately contact the bank for a replacement

It can be concluded that the lifetime of any plastic payment instrument depends on how it is handled. Now you know why the Sberbank card does not work and cannot be read at an ATM and in a store. If such a problem occurs, it is worth trying to understand the cause of the failure, perhaps you just need to wait a bit or find another self-service machine.

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