"Sberbank" called the replacement of the status of debit cards by a misunderstanding.

Sberbank explained that nothing has changed in serving the bank cards. Changing the status of cards from a debit to an overdraft, i.e., allowing overrun for funds and automatic provision of a loan, in a mobile application is dictated exclusively by technical necessity, the Vedomosti newspaper reports.

The misunderstanding will be eliminated until the end of September, and the connection of the overdraft on debit cards in principle is not possible since December 2016, the largest bank of Russia said.

The day before, we recall, Sberbank customers found that their cards in the mobile application began to be displayed as decoration, although they were debit. Many were frightened that they could pay purchases with a debit card even after expanding their own funds in the account and thereby without their own knowledge to take a loan at the bank.

Some citizens immediately reported that the bank was taking off funds for overdraft from their debit cards.

The organization "Public Consumer Initiative" quickly stated that she was preparing a lawsuit against Sberbank in defense of an indefinite circle of consumers. Among the claims are the termination of the bank illegal actions and the publication of information about the violations committed. It was promised to attract representatives of Rospotrebnadzor.

The bank confirmed that some debit cards are displayed as overdraft, and for a long time, such a designation has remained since the permitted overdraft could be connected to their card. “This is a technical necessity for correct work with payments and transfers,” the press service of finorganization on social networks said.

The Sberbank assures that the cards remain debit and write off the Overdraft fee for them.

“Technical” overdraft on cards is possible in cases where the store mistakenly removes the fee twice or when buying abroad with an unstable exchange rate. The debt may also appear when replenishing the card from another bank, which is credited within three business days, but on the balance of the card appears much faster. If the funds from the card were removed immediately after replenishment, a shortage appears in the account. The return on the funds does not occur immediately, and the balance on the card for some time can be negative. Sberbank does not take the percentage of excessive expansion, they assured a credit institution on Monday on Monday.

However, for example, the correspondent of the Russian BBC service twice was written off for technical overdraft when replenishing the Sberbank card from the card of another bank and the subsequent withdrawal of all transferred funds. In both cases, the transfer amount was 20 thousand rubles. Overdraft fee in the first case amounted to 43.78 rubles, and in the second - 37.52 rubles.

After contacting the support service, the bank returned the money, apologized and admitted that it was not possible to exclude the repetition of such a situation.