SberInsurance and SberMobile: Guardian

The main articles are:

• Telephone fraud
• Spam

2025: Blocking more than 19 million unwanted calls

The Guardian, a free service for blocking spam and fraudulent calls, has blocked more than 19 million unwanted calls since its launch in August 2024, protecting users from spam and fraud. SberMobile (Sberbank-Telecom) announced this on April 4, 2025.

Fraudulent calls are becoming more sophisticated, and classic "blacklists" are no longer enough. In "The Guardian," we use updatable algorithms and AI models that adapt in real time to new attack scenarios. This is not just a filter, but a smart product that helps protect the subscriber before he picks up the phone, "said Artemy Ponomarev, SberMobail's product director.

The service for protecting SberMobile users from fraudsters has three levels of protection.

Even before the caller picks up the phone, the "Guardian" recognizes potentially dangerous calls and blocks them even before the first beep.

During the call, thanks to smart algorithms, "The Guardian" redirects calls from scammers to smart voicemail. All conversations are recorded and decrypted, remaining available in the app for five days.

If the scammers still get to the user's accounts in Sberbank, the insurance will return the lost money.

2024: Presentation of the Guardian service

SberStrakhovanie and SberMobile have launched a free Guardian service to protect subscribers using Sber's services. The system blocks fraudulent calls, redirects spam calls to smart voice mail, and also provides insurance protection for money on subscribers' cards and accounts. Sberbank announced this on August 2, 2024.

The Guardian service includes software and insurance components and has three levels of protection. At the first level, the system filters malicious calls and blocks calls from scammers even before the first beep. On the second, the service automatically detects unwanted calls and redirects them to Antispam's smart voice mail. Records of conversations and their text transcripts are stored in the operator's application in the "Security" section for five days. The third level allows you to compensate for damage if attackers gained access to bank accounts.

The insurance component is included only if the call from the attackers came to the client's number, which is tied as the main one in SberBank Online, and was not blocked by the software component. The insurance program applies to a wide list of risks: unauthorized write-offs, financial losses due to theft of personal data, telephone and Internet fraud, including payment on double sites and independent transfer of money according to the details of cybercriminals.

For the protection to take effect, the subscriber must specify his SberMobile number as the main one in the SberBank Online application. When an insured event occurs, you need to go to the "Security" section in the SberMobile application, select the "Refund" item from the menu and fill out the form.

Шаблон:Quote 'author=said Sergei Volkov, CEO of SberMobile.