Sberbank offers plastic card holders a special Thank You program. In gratitude for using the services of this bank, customers are awarded points, the so-called "Thank you" bonuses, when paying for purchases and settling with some organizations.

Thank you points are accumulated on a special account and are accrued within a certain period after the transaction, which involves the accrual of points. The procedure, number and term of enrollment is regulated by a special legal document - the Rules of the Thank You from Sberbank program. But, in certain situations, the accumulation of points does not occur. Let's see why "Thank you from Sberbank" bonuses are not awarded and what needs to be done in this situation.

Thank you bonuses - not credited immediately!

Each client who has connected this bonus program needs to know that there are certain deadlines for crediting bonuses. They are spelled out in the rules and depend on the amount of the purchase.

Important! You should not wait for crediting on the first day, days, and sometimes weeks, after a bonus transaction (purchase).

So, for example, if the purchase or payment for services from partner organizations was made in the amount of less than 15 thousand rubles, then points are credited to the account within 5 days (working). If the amount of the settlement transaction exceeded 15 thousand rubles, then the term for replenishing the bonus account increases to several weeks and may take up to 40 days (weekends are not considered). When controlling the accrual of “thank you”, it is important to take this information into account and not worry that the due bonuses are lost.

Short:

• Purchase up to 15,000 rubles = crediting bonuses up to 5 working days;
• Purchase from 15,000 rubles = up to 40 days;

How is the calculation and crediting of bonuses thank you

When making a purchase from partners and paying with a card connected to the program, the seller calculates points in the amount of half a percent of the transaction amount and transfers these points to the client's account. The bank makes the transfer within the above terms. It is important to know that there is a maximum limit for each billing period.

For holders Visa cards and MasterCard of certain categories, it is 20 thousand rubles (bonus transactions). At the same time, bonuses can be credited to the account in the next settlement period, in accordance with the rules on terms. But in this case, the number of points refers to the period when the payment for the purchase was made.

Important! Each of the clients can have several plastic cards, not only debit, but also credit. All of them can be affected by the bonus program, if it is connected.

Bonuses are credited to one common account. But if the payment was made with the card to which the program is not connected, then the bonuses will not be credited. It is important to connect the program to all cards with which you plan to pay.

When bonuses are not accrued according to the rules of the program

The rules for the bonus program contain a clause on when points cannot be awarded for debit transactions with a card connected to Thank You from Sberbank. Here are the highlights:

1. When withdrawing cash from self-service devices (ATM) or cash desks of any credit and financial institutions.
2. In case of currency exchange using funds from plastic
3. When paying for purchased securities by card.
4. In the case of making payments for gambling with plastic.
5. When paying for utilities, but there is a clause that unless otherwise permitted by the rules.
6. When paying taxes, fines, service fees.
7. When transferring Money from account to account (not only between your own accounts, but also to the accounts of other individuals).

In addition, points are not awarded for some categories of plastic cards. These include co-branded cards, that is, those issued under a specific program jointly with any other organization, such as Aeroflot (Aeroflot - Russian Airlines) or MTS. Other bonuses are accrued on them, allowing you to save on flights or settlements with a telecommunications company. Therefore, the summation of programs is prohibited.

Also holders of the so-called instant cards (Momentum), you will have to wait 5 working days after issuing and receiving a card for the bonus program to take effect. Momentum cards do not include the holder's first and last name.

Zero balance or minus

Let us dwell separately on the moment when the card connected to the program has a zero balance or has gone negative for the period of bonus crediting. This circumstance is not specified in the rules, but in practice, bonuses are not credited to a special bonus account.

It's worth understanding that bonuses are credited to a separate account, and not to the card and are not equated to the funds that are located on the account.

Attention! Do not wait for an increase in the amount on the account when crediting bonuses. Bonuses can be paid when making purchases from partners from a bonus account, but they do not equate to rubles in the account.

If you have any questions about the lack of crediting bonuses for settlement transactions made with a card connected to the program, you can contact the operator at the number 900 or 8-800-555-55-50 with extension number 5 . A bank specialist will at any time consult and explain the reason for not accruing the “Thank you” bonus in each specific case.

Privilege levels: detailed information

What are Privilege Levels?

From July 1, 2018, 4 privilege levels were launched in the program: 1st level Thank you, 2nd level Thank you very much, 3rd level Thank you so much and 4th level max More than Thank you.

All participants of the program begin their acquaintance with the new format of the program from the Thank you very much level. At this level, you receive 0.5% bonuses from Sberbank and up to 20% bonuses from Program Partners for card purchases. In order to use the privileges of the second level or move to a higher level, you need to complete the tasks described in the program's mobile application and on a monthly basis for 3 months.

What are the benefits at the Thank you level?

Thank you level - this is the minimum level, to get it it is enough to be a member of the program and pay for purchases with a Sberbank card. At this level, members receive up to 20% bonuses for purchases in stores and on Partner websites.

What are the perks at Thank you very much?

Being at this level, you receive 0.5% bonuses from Sberbank, as well as up to 20% THANK YOU for card purchases from Program Partners.

You can learn about the privileges of other Levels in the Personal Loyalty Cabinet and in the program's mobile application.

What are the perks at Thank you so much?

The Thank you very much level is the third level where you can receive increased bonuses in two categories of purchases, for example, Pharmacies and Electronics, as well as 0.5% bonuses from Sberbank and up to 20% from Partners.

You can find the list of privileges and available categories of purchases with increased bonuses in the Personal Loyalty Cabinet and the program's mobile application.

What are the benefits at the More than Thank you level?

The More than Thank you level is the level with maximum privileges. At this level, 4 categories of purchases with increased bonuses, special promotions, the opportunity to exchange bonuses for rubles, as well as 0.5% bonuses from Sberbank and up to 20% THANK YOU for purchases from program partners are available to you. To achieve the maximum Level and maintain it, it is important to complete the tasks described in the Personal Loyalty Cabinet and the program mobile application for 3 months.

How long do level privileges last?

Privileges of each level are valid for 3 months. All program clients begin their acquaintance with new privileges at the Thank you very much level, that is, they receive 0.5% bonuses for purchases with a Sberbank card and bonuses from Program Partners. At the end of 3 months of completing tasks, you get a new level and its privileges.

Detailed information about each Level is indicated in the Personal Loyalty Cabinet and in the mobile application of the program.

What tasks should be completed at the Thank you level?

To obtain the minimum Thank You level, you do not need to complete tasks, it is enough to be a member of the program and pay for purchases with a Sberbank card in stores, on Partner websites and on special Program websites, because that is where you will receive SPASIBO bonuses. To get more bonuses and privileges, you need to make a little more effort and complete tasks of other levels. The tasks of each Level are indicated in the Personal Loyalty Account and in the mobile application of the program.

What tasks do you need to complete at the Thank you very much level?

Required tasks:

Pay with cards every month so that the ratio of card purchases to cash withdrawals is more than 30%;

Make monthly purchases with cards for a total amount of at least 5,000 rubles;

Choice tasks:

Spend at least 10% of your credit card limit.

What tasks do you need to complete at the level Thank you so much?

Required tasks:

Pay with cards every month so that the ratio of card purchases to cash withdrawals is more than 50%;

Choice tasks:

Have an average daily balance per month on debit cards of at least 10,000 rubles

Spend at least 30% of your credit card limit;

Choice tasks:

Detailed tasks of each Level are indicated in the Personal Loyalty Cabinet and in the mobile application of the program.

What tasks should be completed at the level of More than Thank you?

Required tasks:

Pay with cards every month so that the ratio of card purchases to cash withdrawals is more than 85%;

Make monthly purchases with cards for a total amount of at least 5,000 rubles;

Do not make card payments at branches, ATMs and terminals of Sberbank;

Issue a credit card once every 3 months;

Open/replenish the deposit once every 3 months.

Choice tasks:

Have an average daily balance per month on debit cards of at least 10,000 rubles

Spend at least 50% of your credit card limit;

Choice tasks:

Make a payment with a mobile device;

Make a payment through Sberbank Online;

Detailed tasks of each Level are indicated in the Personal Loyalty Cabinet and in the mobile application of the program.

How is the result of completed tasks calculated?

At the end of the billing period, that is, 3 months of completing tasks. From the 1st to the 16th day of the month following the billing period, a post-period begins. Post-period - the time of analysis of the execution of tasks for each month of the billing period. During this time, you continue to enjoy the privileges of the level at which you were during the billing period. On the 17th, you are assigned a privilege level depending on the volume of tasks completed. Tasks completed during the post-period (from the 1st to the 16th day) are taken into account in the current billing period.

Where can I learn more about my level, its privileges and tasks?

You can find out the tasks of each of the levels by asking the voice assistant or operator at 900 (hereinafter 5), as well as in the Thank You from Sberbank mobile application, in the Personal Loyalty Account and in the Program rules.

What is included in the categories with increased bonuses to choose from?

Being on the level Thank you very much or the level More than Thank you, you can connect 1 or 2 categories to choose from. When paying with a Sberbank card for purchases at outlets corresponding to the connected category, you will receive increased bonuses. A brief description of the categories with increased bonuses to choose from is indicated below:

• The category "Electronics and Home Appliances" will allow you to receive 3% bonuses for the purchase of digital, home appliances and electronics.
• The category "Leisure and Entertainment" will allow you to receive 10% bonuses when paying in art galleries, bowling alleys, dance and theater studios, museums, amusement parks, zoos and other entertainment places.
• The "Cinema and Theater" category will allow you to receive 10% bonuses for paying for tickets to cinemas, theaters, musical and other events.
• The category "Taxi and limousines" will allow you to receive 10% bonuses for paying for taxi and car sharing services.
• The category "Beauty Salons" will allow you to receive 10% bonuses for paying for services - hairdressing, cosmetology, manicure, pedicure, SPA, make-up, massage and others.
• The category "Cosmetics" will allow you to receive 10% bonuses for purchases in perfumery and cosmetics stores.
• The "Children's Clothing" category will allow you to receive 10% bonuses for purchases in children's clothing and accessories stores.
• The category "Toys" will allow you to receive 15% bonuses for the purchase of children's toys, games and books.
• The "Transport" category will allow you to receive 20% bonuses for paying for travel in urban public transport, suburban trains and electric trains.

Personal Loyalty Account

What is included in the categories with increased bonuses to choose in exchange for bonuses?

While at the Thank you very much or More than Thank you level, you can connect 1 or 2 categories of your choice in exchange for bonuses. When paying with a Sberbank card for purchases at outlets corresponding to the connected category, you will receive increased bonuses. A brief description of the categories with increased bonuses that can be activated for bonuses is indicated below:

• The category "Supermarkets" will allow you to receive 1.5% bonuses for purchases in confectionery, grocery stores, food markets, supermarkets. The category can be connected for 100 bonuses.
• The category "gas station" will allow you to receive 5% bonuses for purchases at gas stations, car washes. The category can be connected for 600 bonuses.
• The "Pharmacy" category will allow you to receive 7% bonuses for purchases in pharmacy chains. The category can be connected for 500 bonuses.
• The category "Cafes and Restaurants" will allow you to receive 5% bonuses for paying in restaurants, cafes, pizzerias, food delivery services, coffee shops and other catering establishments. The category can be connected for 700 bonuses.
• The category "Quick Service Restaurants" will allow you to receive 5% bonuses for paying in fast food establishments and retail outlets selling ready-made food and drinks. The category can be connected for 400 bonuses.
• The category "Clothes and Shoes" will allow you to receive 5% bonuses for purchases in clothing, footwear, accessories stores, fur stores and other outlets selling clothing items. The category can be connected for 800 bonuses.

You can connect the categories in the program's mobile application in the Personal Loyalty Cabinet, as well as using the voice assistant at 900 (ext.5). There are restrictions on bonuses.

How are THANKS bonuses calculated?

I was incorrectly credited bonuses THANK YOU! What to do?

Please contact the contact center by calling 900 (hereinafter 5) or describe your question to [email protected]. Please note that in order to contact by phone or e-mail with a question about the bonus program, you need to provide the password for the contact center that you received in SMS when registering in the program. If you have lost or forgotten your password, you can restore it at a Sberbank ATM/terminal, in the section of the Sberbank Online Internet banking program, or in the profile of the program's mobile application.

Are THANKS bonuses accrued for cash withdrawals from the card?

No, bonuses are credited to your bonus account only for purchases paid for with a Sberbank card - in retail outlets and online stores around the world. Please note that you can receive 0.5% from Sberbank for purchases only if you are at the Thank you very much level and above. You can find out your level.

Why are THANKS bonuses not awarded?

Bonuses are not awarded:

• when performing foreign exchange transactions (conversion of one currency into another);
• when making transactions for the acquisition of securities, precious metals, payment documents (cheques, traveler's checks, etc.);
• when performing transactions prohibited by applicable law Russian Federation(acquisition of goods, the circulation of which is prohibited; etc.);
• when making payments to organizers of gambling and other risk-based games, when making payments to betting organizations, when paying for bets, bets, sweepstakes, lotteries;
• transfer of funds from the Participant's bank account to another bank account;
• for payments using the Sberbank Online Internet banking, unless otherwise provided by the rules of the Bank's special Promotions;
• when making payments for utilities;
• for replenishment of the "Virtual Wallet";
• the sixth and subsequent purchases made within one day at one outlet.
• and other operations prescribed in the Program Rules.

You can learn more about the restrictions on accruing bonuses in the Program Rules.

Are SPASIBO bonuses accrued when paying for purchases with a Sberbank card abroad?

Yes. It doesn't matter where you make purchases with a Sberbank card - in Russia or abroad. Bonuses THANKS you receive in any case. Please note that you can get 0.5% from Sberbank for purchases in Russia and abroad only if you are at the Thank you very much level and above. You can find out your level.

I have several Sberbank cards! How are bonuses calculated on them?

No matter how many Sberbank cards you have, the bonus account on them is the same. It does not matter which Sberbank card you use to pay, THANK YOU bonuses are accumulated on a single account. You can also present any of your Sberbank cards in order to exchange SPASIBO bonuses for a discount.

How to use THANK YOU bonuses?

How do I know how much THANKS I have?

The bonus program provides several ways to check the bonus balance:

In the Sberbank Online Internet bank, in the "Thank you from Sberbank" section

In terminals and ATMs of Sberbank in the "Bonus Program" section

In the mobile application of the program "Thank you from Sberbank" or Sberbank

Via SMS to number 900 with the text "THANK YOU XXXX", where XXXX is the last 4 digits of your card number.
Check if you are connected to the Mobile Bank SMS service (the cost of an SMS message is set by the relevant mobile operator on the date of sending the corresponding message)

How to exchange THANKS bonuses for a discount?

In order to exchange the accumulated THANK YOU bonuses for discounts in partner stores of the bonus program, you must:

1. Come to a partner store or to the website of a partner of the bonus program (a full list of partners can be found in the section);
2. Choose a product;
3. Notify the cashier that you want to use THANKS bonuses when paying;
4. Determine the amount of THANK YOU bonuses that you want to spend and indicate it in the payment form on the Partner's website or call the cashier;
5. Buy goods with a Sberbank card at a discount.

Is it possible to combine THANKS bonuses with rubles when paying?

Yes. When paying for goods, you can use any number of THANKS bonuses from your bonus account, and pay the rest with a bank card or in cash. If there are enough THANK YOU bonuses on your account, the maximum discount can reach 99%, that is, almost full cost goods. In this case, you will need to pay only 1 ruble.

What happens to the THANKS credits if I return/exchange my purchase?

Exchange / return of goods is carried out only at the outlet where the goods were purchased, in the manner and on the terms provided for by the current legislation of the Russian Federation. When exchanging/returning goods, the amount of THANK YOU bonuses that was credited when you purchased the specified product is deducted from the bonus account, or the amount of THANK YOU bonuses that was used when paying for the returned goods is returned to the account.

Can I exchange THANKS for money?

You can exchange bonuses for rubles for participants who have reached the level More than Thank you. The exchange of bonuses is available in the Personal Loyalty Cabinet and in the Thank You from Sberbank mobile application. Rubles received in exchange for bonuses will be credited to your debit card. Check the exchange rate of bonuses for rubles in the Thank You from Sberbank mobile application, in the Personal Loyalty Account and in the Program Rules.

Is it possible to use THANK YOU from different bonus accounts when paying for one purchase?

THANKS bonuses are a personal discount of the cardholder and the rules of the program do not provide for its transfer to anyone else.

What is the lifetime of THANK YOU bonuses (Do bonuses expire at the end of the year?)

Bonuses are valid for 3 years. According to the Program Rules, if the bonuses have not been used by you for 36 months or more from the date of their accrual, they will be canceled. The Cancellation procedure is carried out monthly after the expiration of the month in which the period for using bonuses expired. You can find out the amount of bonuses that can be canceled in the top line of the program section in Sberbank Online Internet banking.

Can I use SPASIBO bonuses to pay for a mobile phone, utilities and other services in Sberbank Online?

Utilities and cell phone providers currently do not provide discounts in exchange for THANK YOU bonuses when paying for their services.

Bonuses can only be withdrawn from partners listed on the site?

The program launched 3 special sites that allow you to receive an additional 20% bonuses and use them for a variety of goods and services. Travel, Online Market and Impressions sites offer Sberbank cardholders to book a flight, choose a tour, purchase a coupon or purchase certificate, and also visit an interesting event - at a discount for accumulated bonuses.

Background information about the program "Thank you from Sberbank"

Where to contact with questions on the bonus program "Thank you from Sberbank"?

If you have a question about the bonus program, and you did not find the answer to it on the Thanks from Sberbank website, you can get information from the Sberbank contact center operator by calling 900 (hereinafter 5).

What is the duration of the bonuses? When do bonuses expire? In which case?

Bonuses are valid for 3 years. Bonuses burn out in three cases:

1. You have never used your bank card for 12 consecutive months.

2. You close the banking service agreement at PJSC Sberbank.

3. If the bonuses have not been used by the Participant within 36 months or more from the date of their accrual.

Detailed information about the cancellation of bonuses is specified in the Rules of the bonus program, located in the "Program Rules" section.

How to recognize the partners of "Thank you from Sberbank" in my city?

Full list You can always find partners in your city in the Partners section on our website, in our Mobile app, and also in the Thanks from Sberbank section in Sberbank Online. In all cases, your city will be determined automatically.

Bonus program "Thank you from Sberbank" in numbers.

“Thank you from Sberbank” is the largest banking loyalty program. The number of participants exceeds 38 million people.

Program participants accumulate THANK YOU bonuses for purchases with a Sberbank card in Russia and abroad. The number of partners is constantly growing. "Thank you from Sberbank" - in numbers:

Every 7 seconds a new member is registered in the bonus program;

Every 2nd purchase with a Sberbank card is made by a program participant;

70 transactions per second are made by program participants;

Every 4th participant exchanged bonuses for a discount; Every 2 days a new offer for program members is launched.

The program has repeatedly received awards from the national Loyalty Awards in the nominations "Best Coalition Loyalty Program" and "Best Loyalty Program of Financial Institutions".

General issues

I can't open the "Thank you from Sberbank" section in Sberbank Online!

If you are unable to enter the "Thank you from Sberbank" section, it is possible that your browser blocks pop-up windows (the "Thank you from Sberbank" tab appears in the pop-up window). You need to cancel the blocking in your browser settings.

More details on how to do this below:

- If you have Firefox

Step 1. Open Menu

Step 2 Select the "Settings" section

Step 3 Next "Privacy and Security"

Step 4 In the "Permissions" section, uncheck the box "Block pop-up windows"

- If you have Opera

Step 1. In the top left corner go to Menu
Step 2 Select the "Settings" section

Step 3 Next, "Sites"

Step 4 In the "Pop-ups" section, select "Show pop-ups"

- If you have Internet Explorer

Step 1. In the upper right corner, select the "Settings" menu

Step 2 Then select "Internet Options"

Step 3 Next "Privacy"

Step 4 Uncheck "Enable pop-up blocker" and click "OK"

- If you have Chrome

To unblock pop-ups in the Chrome browser, follow these steps:

Step 1. Open menu in browser

Step 2 Select the settings section

Step 3 In the tab that opens at the bottom, select "Additional"

Step 4 Then select "Content Settings"

Step 5 Go to the "Pop-ups" section

Step 6 Move the slider to "Allowed"

- If you have SAFARI

The instruction is suitable for owners of both laptops and desktop computers with the Apple MacOS operating system. To unblock pop-ups, follow these steps:

Step 1. Launch the browser, open the context menu and go to the "Settings" section:

Step 2 Next, go to the "Security" tab.
Step 3 Uncheck the "Block pop-up windows" box:

- If you have an iPad, iPhone

To unblock pop-ups, follow these steps:

Step 1. Open Settings on your iPad/iPhone.
Step 2 Click the "Safari" tab in the left menu.
Step 3 Turn off the "Block pop-up windows" setting:

Step 4 Save your changes.

- If you have YANDEX

To unblock pop-ups, follow these steps:

Step 1. Click on "Menu"

Step 2 Next section "Settings"

Step 3 At the bottom, select the "Show advanced settings" section

Step 4 Next, in the menu Personal data, click on the button "Content settings"

Step 5 In the "Pop-ups" section, select "Allow pop-ups on all sites" and click "Finish"

I lost or forgot my contact center password

The password for the contact center can be found:

In terminals and ATMs of Sberbank in the "Bonus Program" section;

In the "Feedback" section of the mobile application of the program.

My card has expired, can I use the accumulated bonuses?

You will be able to use the accumulated bonuses only after you receive a new card at any branch of Sberbank. Your bonuses will be returned to the bonus account of the new card automatically within 5 working days from the moment the new card is activated.

My friend and I bought the same items from the same store. Both paid with Sberbank cards, but a friend received more THANK YOU bonuses than me. Why?

There are 4 privilege levels in the program: 1st level Thank you, 2nd level Thank you very much, 3rd level Thank you very much and 4th maximum level More than Thank you. Each Level has its own privileges and the higher the Level, the more you can receive. The difference in the amount of accrued bonuses depends on the level at which you are or on the additional privileges of your card. You can find out your level.

I lost/damaged my Sberbank card! What will happen to my bonuses?

Bonuses accumulated on a bank card that is lost or damaged will not disappear anywhere. Your bonuses will be returned to the bonus account of the new card automatically within 5 working days from the moment the new card is activated.

I can't use my card to pay for online purchases!

If you have Maestro or Visa Electron cards, then these cards are not suitable for online purchases. For online shopping, we recommend using Mastercards Standard or Visa Classic.

How can I change the phone number specified during registration in the program?

If you changed your phone number after registering in the program and do not remember which phone number you indicated when registering in the bonus program, then you can change it to the current one:

In Sberbank Online Internet banking:

Log in to Sberbank Online and go to the "Thank you from Sberbank" section. In the program section, go to "Profile" and enter a new number in the line with the phone number, confirming the change by entering the code from SMS in the window that opens.

If your browser has a pop-up blocker, then the program section will not open, to avoid this, follow the steps prescribed

At a Sberbank ATM:

At an ATM or Sberbank terminal, go to the "Information and Services" section and then to the "Bonus Program" section. You need to select the "Change registration data" item. In the window that opens, you can replace the old phone number with the new one. After saving the changes, you can use your phone number to authorize in the mobile application and log in to the program's unified profile.

Not many bank card holders had time to notice that the special “Thank you” bonus program from Sberbank, which they liked so much, received an updated package of rules from July 1, 2019, which customers should definitely familiarize themselves with.

But, before turning to the consideration of the changed conditions, it is necessary to mention once again what this proposal is. It allows cardholders to accumulate points for paying for goods and services in partner companies of a financial institution. Later accumulated points are allowed to be used as part of the payment for a new purchase.

Starting to study the main innovations, it should be noted that the basic part of the rules has remained unchanged. The changes affected only the order of enrollment and the use of bonuses. According to the updated conditions, participants will be divided into 4 main categories, depending on the state of the account, the activity of participation and several other factors. In general, this will definitely not create problems for customers, but you need to familiarize yourself with the updates.

What are the Thank You bonuses from Sberbank for?

Those who have not yet figured out how the Thank You bonuses from Sberbank are credited should take into account that the bonus balance is replenished with any purchase paid by a card. But the card must be registered in the program. At the same time, payment for the services of partners leads to the accrual of additional privileges. The exception is payment:

1. gambling;
2. fines and state fees;
3. cigarettes;
4. utilities;
5. prohibited goods;
6. financial, legal services and insurance;
7. online services.

In addition, cash withdrawals from ATMs and money transfers do not lead to replenishment of the balance.

The "Thank you" program from Sberbank - the conditions of the promotion and the validity period

The new rules introduced in "Thank you" from Sberbank from July 1 affected only the accrual and use of bonuses. The basic rules have remained unchanged, therefore, in order to replenish the number of participants, it is required:

• have a bank card;
• register in the system.

Nothing extra is needed.

There are no restrictions on the duration of the action. At the moment, the date of termination of the program has not been set, therefore the action itself is unlimited.

It is important to emphasize that people who voluntarily opt-out are not eligible to re-register at a later date.

Thank you levels from Sberbank

According to the current conditions, there are 4 levels of “Thank you” privileges from Sberbank. The grounds for assigning a user to one of them are presented in the table.

Level	Thank you	Thank you very much	Thanks a lot	More than thanks
Total spending on purchases	Up to 5 thousand	Over 5000	Over 5000	Over 5000
Share of spending on the card as a percentage of other financial transactions	Up to 30%	From 30% to 49.99%	50 to 84.99	Over 85%
Payment for third-party services by card	No requirements	No requirements	No payments	No payments
Average daily balance of finances on the card	Less than 10000	From 10000	From 10000	From 10 thousand
The cost of credit operations when using credit cards	To 10%	10 to 29.99	30 to 49.99	From 50%
Write-off of bonuses	No requirements	No requirements	At least 1 time	At least 1 time
Use of mobile devices for payment (contactless payment technologies) or online payment	Not necessary	Not necessary	From 1 time	From 1 time
Making the first valid credit card transaction or deposit action	Not necessary	Not necessary	Not necessary	1 time for the reporting period

Additionally, you should consider the privileges provided to customers at each of the 4 levels.

Privilege	1 level	2 level	3 level	4th level
Accrual of bonuses from partners during special promotions	+	+	+	+
Earn points when making purchases for every 100 rubles spent	–	+	+	+
Connecting additional categories (not taken into account under standard conditions) of purchases without using bonuses	–	–	1	2
Connecting additional categories of purchases using bonuses	–	–	1	2
Bonus Refund Conversion	–	–	–	+

For more information, please contact the support operators by calling the contact center 900.

In which stores are bonuses "Thank you" accrued?

The order in which points are awarded depends on the level of privilege achieved by the cardholder. With a minimum position, it will be possible to receive additional bonuses (up to 20%) only when paying with a card in partner stores or using “plastic” for payment on similar sites.

In other cases, the bank will independently add 0.5% for every 100 rubles spent. It is important to emphasize that rounding to the nearest hundred is done down, no matter how insignificant the amount turned out to be, which was not enough to receive a few more percent. It is worth mentioning that accruals from partners are saved, regardless of the position of the client.

How to get more Thank You bonuses from Sberbank?

Those wishing to increase the number of accruals should use the following approaches to increase the rate of accumulation:

1. gradually increase your own status in the bonus program, following the recommendations of the table above;
2. participate in special promotions and offers of banking partners that give additional points;
3. increase spending at partner outlets or increase the overall level of spending.

The first method is more effective, but using it will force users to keep track of a large number of factors. Status changes occur every 3 months, considered as the next reporting period.

The second approach should not be abandoned either. Information about special promotions can be found on the official portal of the program.

The third option is the least effective, since its use makes the bonuses meaningless.

How long does it take for Thank You bonuses to be credited?

The speed of accrual depends on the amount of expenses and the type of purchase. Cardholders should prepare for the following deadlines:

• up to 5 working days if the total amount of expenses incurred does not exceed 15 thousand;
• up to 40 working days if the amount of expenses on the check exceeds 15 thousand rubles.

Other terms of enrollment are allowed with the participation of the owner of the "plastic" in the shares. How quickly the points will replenish the balance should be specified in the conditions of each individual offer in the corresponding section of the official portal.

What cards does Sberbank credit with Thank You bonuses?

Almost all existing cards, including Mir cards, participate in the bonus program. The exception is:

1. corporate (issued for legal entities and individual entrepreneurs);
2. co-branded (issued jointly with partners, for example, Aeroflot);
3. Visa Digital.

It is important to emphasize that most of the "plastic" automatically raises the status of the holder, allowing you to receive more privileges. A detailed list of such cards is given in the table.

The rest are used under standard conditions.

Why are the Thank You Bonuses from Sberbank not credited?

The new "Thank you" bonus system from Sberbank should not lead to fresh difficulties. But, if they arise, you should call 900 (then you have to press 5) and talk to the contact center consultants. The basic rules for scoring are listed above. You should make sure that the user complies and follows them.

Special attention should be paid to the order of combustion of the accumulated. Points disappear in several cases:

• in the absence of financial transactions using a card linked to the program during the year;
• after three years from the date of accrual;
• when closing a bank card;
• in case of voluntary refusal of the client to participate;
• in case of gross, significant violation of the established rules.

It is worth repeating that the reinstatement of a participant after a voluntary exclusion is not provided.

Modern technologies cover more and more new areas of our life. And today, what one could only dream of a decade ago is becoming a reality. For example, now it is absolutely not necessary to spend time on the road to a bank branch in order to make a transfer, make another payment on a loan or pay utility bills. These and many other tasks can be solved without leaving your home or office, or even while on the road. Sberbank offers its customers to use Internet bank "Sberbank Online". More than 19 million users have already appreciated its convenience and reliability.

How to connect "Sberbank Online"?

You can connect Sberbank Online yourself. The first way is to go to the sberbank.ru website and register in the system. To do this, you must enter the number of a valid Sberbank card in a special field. After that, an SMS password will be sent to the phone connected to the Mobile Bank SMS service. The second way is to get a login and password to log into the system using a self-service device. And if you need help, you can always seek advice from any branch of Sberbank.

Bank at your home

After registering in the Internet bank, the client gets the opportunity to manage his deposits and accounts, perform card transactions, apply for loans, and, of course, make payments and transfers. And most importantly - all this can be done at any time and anywhere in the world! Sberbank Online Internet banking can be accessed from a home or office computer, from a tablet and using a mobile application available on mobile devices and platforms iPhone, iPad, Android, Windows Phone. When using Internet banking, you save the most valuable resource - time that you can devote to your family without worrying about forgetting to pay the receipt on time; it is not necessary to visit a bank branch to repay a loan, you can easily manage your accounts opened with Sberbank without worrying too much about distances and work interruptions.

An important point worth mentioning when we are talking about electronic payments - this is their security. Sberbank guarantees its clients the security of all transactions, subject to the client's compliance with the security measures for using a bank card. The modern information systems installed by the bank's specialists ensure the safety of all operations: the data entered on the bank's page or in the mobile application is transmitted via a secure Internet channel.

And you can always control the status of your account and keep track of what transactions were made on the card, thanks to timely SMS notifications from the bank. In the event that the client needs accounting documents for payments, then all checks can be printed independently directly from the Internet bank.

thank you for your trust

In order to make payments in the Internet bank, you need to go to the section on the site "Pay and transfer" and select the required type of payment: to pay for utility services, you need to follow the link "Payment for utility services". In addition, Sberbank Online is not only a convenience, but also an opportunity to save money. The bank commission for paying utility bills through Sberbank Online will be reduced compared to a similar operation carried out at a bank branch.

Moreover, in the period from 03/16/2015 to 05/16/2015 inclusive, new Sberbank Online users who have made a payment for housing and communal services through the system from 3,500 rubles have the opportunity to receive 500 SPASIBO bonuses from the Thank You from Sberbank loyalty program. Members of the Sberbank loyalty program receive THANK YOU bonuses when making purchases with a card and participating in special promotions. The accumulated THANK YOU can be exchanged for discounts in partner stores. One THANK YOU bonus is equal to 1 ruble of discount. Thus, by completing daily tasks, you can receive not only the gratitude of your loved ones, but also benefits in the form of bonuses!

It is enough just to start using Sberbank Online Internet banking in order to appreciate its convenience! You will not only receive round-the-clock service in a reliable bank that will become an assistant in your business, but you will also be able to please yourself, buy something useful for your home or make a nice gift to a loved one using the "Thank you" program from Sberbank.

1 To use the Sberbank Online service, you must have an international Sberbank bank card (except for Sberbank-Maestro and Sberbank-Maestro "Social" cards of the Volga and North-Western banks of Sberbank, issued before 01.10.2013), connected to the Mobile Bank service, and access to the Internet. There are no territorial restrictions on the use of the service. Detailed information about the conditions, tariffs, the procedure for connecting and providing the Bank with the Sberbank Online service, the Mobile Bank service can be found on the Bank's website - http://www.sberbank.ru .
2 The Sberbank Online mobile application is available for free download in app stores for use on mobile devices and platforms iPhone, iPad (are trademarks of Apple Inc, registered in the US and other countries), Android (is a registered trademark of Google Inc.), Windows Phone (which is a registered trademark of Microsoft Corporation).
3 Provided that the client observes security measures when handling a bank card. You can find information about security measures when carrying out operations in remote channels at the link: http://www.sberbank.ru/ru/person/dist_services/warning/
4 The total duration of the Promotion "Connect Sberbank Online, pay for utilities, as well as other goods and services and receive bonuses" - from 00:00:00 on March 16, 2015 to 23:59:59 on July 30, 2015. inclusive (Moscow time). The promotion is based on the "Thank you from Sberbank" program (hereinafter referred to as the "Program"). The organizer of the Program is Sberbank of Russia OJSC (General license of the Bank of Russia 1481 dated 08.08.2012.) With the Program Rules, the current list of Program Partners, detailed information on the rules for holding Promotions implemented at the initiative of the Participating Companies, the number of incentives, terms, place and procedure You can find them on the websites: www.sberbank.ru and/or www.spasibosberbank.ru. The program is valid from November 12, 2011 and is not limited by the duration. Capitalized terms in this material, the interpretation of which is not given, are used in the same meaning as defined in the Program Rules.
It is not a public offer.

The Thank You bonus program from Sberbank is indeed a very attractive service in which money is credited for any purchases. Even if we are talking about a bonus account, it is easy to spend funds from it, since there are a huge number of bank partners. At the moment there are more than 60 outlets. But why can't "Thank you" bonuses from Sberbank come? What are the most common reasons for this or what do bank customers not consider?

Basic information about the conditions of the promotion

It is immediately necessary to clarify that “Thank you” bonuses do not come immediately after the purchase. Under the terms of the promotion, they are credited to an additional account during:

• 5 working days if the amount of accrued bonuses is less than 15 thousand rubles (can be understood as points, because each of them is equivalent to 1 ruble);
• 40 working days, if the amount of accrued bonuses is over 15 thousand rubles.

At the same time, the bank reserves the right to increase the period for crediting funds for some shares. To what situations this applies - representatives of the financial institution do not specify. So, if bonuses did not come Thank you from Sberbank, then maybe just not enough time has passed yet? To clarify the information, it is recommended to visit your personal online banking account (access is provided to absolutely all bank customers) and view a detailed report on financial transactions.

It is also possible that Thank you bonuses did not come to the account and there was no notification about this, but in fact they have already been credited and can be used. Again, this information can be clarified directly in personal account or in the corresponding mobile application "Thank you from Sberbank" (available for Android, iOS and Windows Phone). It is also important to note that notifications about the crediting of bonuses come only to the mobile if the official application is installed on it (and we are talking about push notifications, not traditional SMS messages). And as practice shows, the same notifications do not always come at all. But in the details of the bonus account, all information can be clarified.

When are bonuses not awarded?

If “Thank you” bonuses do not come, then, perhaps, they are simply not accrued for these operations? According to the current conditions, cashback is not credited for:

It is quite possible that “Thank you” bonuses from Sberbank do not come precisely for one of the above reasons. Again, you can check this by a detailed study of all financial transactions on your account. And we should not forget that if a client has several cards from Sberbank, then only one bonus account is opened on them.

And another fairly common reason why “Thank you” bonuses do not come is that the client simply did not register for the program. All new customers are automatically connected to the service, but those who received plastic much earlier, even before the introduction of the promotional program, must register in it. This can be done through an ATM, self-service payment terminal, as well as directly at a bank branch.

What to do?

You can clarify why the Thank You bonuses do not come from the bank operator. You can contact him on the free phone number 8 800 555 5550 (open 24/7). Directly to communicate with the operator, you will need to press the "5" key, and then wait for the connection with the manager. He will check the current state of the account, the operations performed and, if the problem is on the side of the bank (no one is immune from this), he will send the request to the technical department to eliminate the error.

In total, there can be many reasons why “Thank you” from Sberbank do not come. But in most cases, the problem will be on the client’s side, since he has not studied the terms of the service in detail. Beforehand, it is worth clarifying whether the client is registered in the promotional program, whether enough time has passed since the purchase. All this can be done in your online banking account.