Sberbank Maestro social card for pensioners. Commission for servicing the world card in Sberbank for pensioners New Sberbank pension card

Many banks provide the service of opening a card account for subsequent receipt of a pension or any other state benefit, but Sberbank of Russia has the most favorable terms of service for clients. A reliable financial institution provides not only first-class service international level, but also helps to earn money. Annual interest is accrued on the balance of personal funds on the card. You can use the payment instrument in any region of the country.

What is a Sberbank social card for pensioners

The plastic payment instrument is intended for clients who are entitled to receive a pension and other material social assistance paid by the Pension Fund of the Russian Federation. The card account is serviced free of charge, which is a huge plus for people with low incomes. The main purposes of registering a pension card account may be as follows:

• receiving subsidies and pensions;
• transfer of child benefits;
• payment of compensation for the loss of a breadwinner;
• receiving disability pensions.

A Sberbank pension card is issued to persons over 14 years of age who have Russian citizenship, permanent registration and identification documents. The basis for its opening is a document that confirms the right to receive a pension or any other social benefit from the state. Sberbank takes responsibility for transferring the details and all necessary information on the owner of the plastic card to the Pension Fund of the Russian Federation.

Payment system MIR

If earlier Sberbank of Russia issued maestro plastic for recipients of pensions and other social benefits, today the program provides a different payment instrument. It is serviced within the framework of the domestic payment system, which has been successfully operating in Russia since 2014. The Government of the Russian Federation has obliged banking and other financial institutions to transfer all recipients of subsidies, pensions, and social benefits to it. The main advantages of the new Russian processing system:

• independence from the political situation;
• availability of co-branding products, possibility of use in the near future not only within the country, but also abroad,
• compliance with all safety standards and requirements, presence of a chip, magnetic stripe and hologram;
• constant development, improvement of the product, filling cards with new options, such as contactless payment, transport application;
• no entry fee, regular reduction of current service tariffs.

The main disadvantages of cards operating within the framework of the domestic payment system “Mir” include the fact that they are not accepted for payment in all stores and retail outlets. In addition, Russian plastic is more expensive to maintain than cards from international systems. Finding an ATM where you can withdraw funds without commission from a Mir card is also not easy. The account is maintained only in rubles, therefore, during transactions with other currencies, the plastic holder will incur losses due to the bank conversion rate.

Why is Maestro changed to MIR?

The difficult situation around Crimea, political instability, and economic sanctions have made international systems, including Maestro, vulnerable. In order to eliminate problems with payments and ensure Russian citizens complete independence from the political decisions of other states when conducting cashless dawns, the Russian government ordered the creation of its own processing system, which was called “MIR”.

The first cards began functioning in 2015. From July 1, 2017, all points of sale that accept non-cash payments are required to carry out settlement transactions using Mir plastic without any obstacles. Outside Russia, there are some payment restrictions. For now, you can pay without any obstacles using a card from the Russian payment system only in Armenia. The conditions for receiving “Mir” in Thailand, Turkey, the countries of the Euro-Asian Union, and the UAE are currently being agreed upon.

Maestro cards are serviced by the MasterCard payment system, which is managed in the USA, so it is very difficult to influence its decisions from the Russian Federation. The events that occurred in 2014 are clear confirmation of this. Holders of plastic from the international system have encountered great difficulties in using it due to the sanctions imposed. To ensure the security of citizens, including economic security, it was decided to create the domestic payment system “MIR”, into which all budget payments were transferred.

Comparison of "MIR" and Maestro:

• payment with a card of the domestic payment system outside the Russian Federation is limited, with Maestro plastic you can pay all over the world without restrictions;
• the Mir system is absolutely independent of the political situation, Maestro is the opposite;
• You can receive social payments on the Mir card without restrictions; state benefits will be credited to the Maestro card only until 2020.

Citizens who have a Sberbank Maestro pension card are not required to replace their cards with MIR ahead of schedule. The national program provides for a gradual transition to the domestic payment system until July 1, 2020. From July 1, 2017, citizens who receive government benefits can only receive a social or pension card “MIR”. Current owners of Maestro are guaranteed to use plastic without obstacles or fraud until the end of the validity period. At the next reissue, they will receive a “WORLD” card.

Conditions and cost of service

The Sberbank pension card is issued free of charge. There will also be no additional charge for its service. If desired, you can connect additional paid services, which will be provided at a reduced rate. The balance of money on the card is accrued annually interest rate at a rate of 3.5%. Non-cash payments using a plastic payment instrument are carried out within the country without commission. You can withdraw cash from Sberbank branches and ATMs for free.

How interest is calculated on a Sberbank social card

The great advantage of the proposed banking product is that 3.5% per annum is accrued monthly on the balance of the account holder. Although there is one thing: only pensioners can count on such a pleasant bonus. In other words, interest on a Sberbank pension card will not accrue if its holder receives a child benefit, a disability pension, or a survivor's benefit.

When calculating interest, provided that the funds have been in the account for less than one year, the interest rate is divided by 365 days and multiplied by the number of days the money is on the plastic. To independently calculate the amount of accrual, you can use the following formula: 3.5% = 3.5/100 shares = 0035 shares. The bank records funds from the next day after the balance is changed. Interest is paid every three months for the actual number of days.

Validity period

The pension card is issued for 5 years. The next reissue of a banking product upon expiration of its validity period is free of charge. In case of loss of plastic card or PIN code, if the client’s personal data is changed, an early reissue is carried out, the cost of which is 30 rubles. If a pension card issued by Sberbank is lost, damaged, or worn out, the financial institution will reissue it free of charge.

Cash withdrawal limits

Owners of a banking product have the right to withdraw 50 thousand rubles from Sberbank ATMs and cash desks per day without obstacles or restrictions. The cash withdrawal limit per month is 500 thousand rubles. There is no minimum threshold for the card. More detailed information regarding cash withdrawal limits is provided by a Sberbank employee. The conditions for withdrawing money above the limit are discussed with each client individually.

Advantages and capabilities of a pension card

Pensioners and recipients of state benefits prefer to choose the Savings Bank of Russia as a financial intermediary, not only because the financial institution is considered the most reliable in the country, but also provides first-class service. In addition, the pension always arrives on the Sberbank card on time, without delays. Making plastic doesn’t take much time or effort either. Other advantages of the banking product from Sberbank:

• high level of security for transactions (plastic is produced with a security chip, which eliminates unauthorized withdrawal of funds and increases protection against fraudsters);
• the ability to replenish the account through ATMs and Sberbank cash desks without commission (a pensioner can use the account as a savings account, since interest is charged on the balance, any receipts and transfers to the card are absolutely free, you can replenish the account at any bank branch);
• the possibility of unhindered payment for purchases on the territory of the Russian Federation (all retail outlets accept plastic from July 1, 2017);
• free cash withdrawals from ATMs and Sberbank cash desks (you can withdraw money throughout the Russian Federation without commission);
• free reissue (you will have to pay 30 rubles for reissue only if the owner has changed his last name, first name, patronymic or lost his PIN code);
• accessible online services (registration in the online service is carried out quickly, to enter your personal account and gain access, you need to enter an authorization password, through the online service you can pay for housing and communal services, online purchases, replenish your mobile phone and remotely manage your card account);
• preferential “Mobile Bank” (the first two calendar months the SMS service is provided free of charge, then to activate the service you need to pay every month, the cost of SMS notification is 30 rubles);
• the possibility of opening a deposit with a higher interest rate through an online service or mobile application;
• the ability to open an overdraft with a rate of 40% per annum (the service helps pay for purchases even if there are insufficient personal funds on the balance, and provides for the possibility of early repayment of the loan without fees or penalties);
• accessible bonus program “Thank you from Sberbank” (the holder can take advantage of current promotions, receive discounts and bonuses).

Preferential mobile bank

The SMS service helps you interact with Sberbank without leaving your home using a mobile device. The pension card holder receives instant notifications about transactions on the card account and can make payments and transfers. The holder of a preferential Sberbank social card does not pay for using the service for the first two months. To connect it, you need:

• find the nearest Sberbank ATM;
• select the “Connect mobile bank” item in the menu;
• send an SMS with the text “Help” to number 900 to find out all the capabilities of the service.

Bonus program “Thank you from Sberbank”

The promotion helps the holder of a Sberbank pension card save on purchases and minimize their expenses. When making purchases, the holder is awarded points, which he can then exchange for discounts valid at various retail outlets operating throughout the Russian Federation. Connection to the promotion is carried out through a terminal or ATM.

Disadvantages of the card

The main disadvantages of pension plastic include:

• service only at branches, cash desks and ATMs of Sberbank;
• making transactions on the international market, using euros and dollars is not available;
• no security codes.

How to get a pension card

Social plastic is available to pensioners in all regions of the country. To get it, you need:

• visit the nearest branch of Sberbank, Pension Fund or MFC;
• present a passport or any other document that will allow you to confirm your identity;
• fill out an application for delivery of a pension to your Sberbank account;
• provide SNILS;
• sign the contract.

Video

Card production time

In Moscow, St. Petersburg, Novosibirsk, Yekaterinburg, Nizhny Novgorod and others major cities The card will be ready in 2–3 business days; in the regions, production and delivery will take from 3 to 10 business days. Delivery to remote locations may take up to 15 business days. Exact dates are available.

When issuing a card, only working days are taken into account. If you order it on Friday evening, the production time will be counted from Monday.

You can see if the card is ready and when it will be delivered to the office in Sberbank Online in the “Cards” section.

What documents are required to receive a card?

To pick up the card, bring with you your passport or other document that was used to apply for the card. To receive a card for another person, you need a notarized power of attorney.

What is the Mir payment system?

"Mir" is a Russian national payment system that meets international security standards. The Mir card is accepted wherever there are retail and service points and ATMs with the Mir logo.

Why is my Maestro card being changed to a Mir card?

Your current Maestro pension card is about to expire. When reissued, all Maestro pension cards are replaced with MIR Pension Cards (in accordance with Federal Law-161 “On the National Payment System”). The terms and conditions for the product remain the same, additional services (mobile banking, auto payments) remain the same.

How to start receiving THANK YOU bonuses?

After receiving the card, you must register in the “Thank you from Sberbank” program. The easiest way to register: send an SMS to number 900 with the text THANK YOU 1234, where 1234 is the last four digits of the card number.
You can also register for the program in your Sberbank Online personal account and at a Sberbank ATM - find the “Thank you from Sberbank” section and follow the prompts.

Bonuses are awarded automatically when paying by card - their number depends on the level of privileges.

It should be remembered that bonuses are awarded only when paying for goods and services. This does not happen when withdrawing cash from ATMs. But when you pay for purchases remotely in online stores, bonus Thank You bonuses are credited to your account.

Is it safe to use a contactless card?

Yes, the card is safe. It is always in the hands of the owner, so its data remains inaccessible to fraudsters. Making purchases without presenting a card or entering a PIN is much safer, since no one can see the card details. In addition, contactless technology protects against double debits - after paying for the purchase, the terminal gives beep and turns off automatically.

If you are planning to retire or you need to get a bank card to transfer benefits (or other payments) to it, then a free Sberbank social card of the MIR national payment system will be a good choice. Its full name: Sberbank MIR Pension Card (cards of the Maestro payment system have already ceased to be issued by the bank), and the likelihood that you will receive exactly this is very high. And this is not surprising, where else would a person go if bank branches are located literally everywhere, and, as a rule, this is the card that is recommended for pensioners or mothers who have just given birth.

Unfortunately, information about this product on the official Sber website is incomplete, so our detailed review is intended to eliminate this drawback and provide the most complete description of the social card for pensioners, its advantages and disadvantages, as well as other nuances of use. Reviews from holders of this popular and well-known banking product will only complement the information presented below.

Advantages and disadvantages of a social card

Let's start the review with a description of the main advantages and disadvantages of the card, many of which we will also touch on as the review progresses.

Advantages :

– Free service and registration;

– Free automatic re-issue: regular and early (except in some cases). Thus, once you get a social card, it becomes yours forever (!);

– Cashless payment in the Russian Federation and abroad without commissions (i.e. payment by card in stores and retail outlets). In principle, you don’t have to write about this, since non-cash transactions when paying for goods and services for the holder of any bank card are carried out with a commission of 0 rubles;

– Cash withdrawal from any ATM and at the Sberbank cash desk throughout (!) Russia within the daily limit is free! Accordingly, replenishment and transfers to the accounts of your own/other people’s cards within the city are also not subject to commission (all the nuances are in the review);

– Accrual of 3.5% per annum on the card account balance y (based on the results of every 3 months from the moment of opening). A little, but nice! Even a small constant amount in your account can more than cover paid services, for example, SMS notifications;

– The ability to issue an additional card (except for cards with the MIR PS) linked to the main account (including for children over 7 years old) - a paid service.

Disadvantages (albeit insignificant for citizens of the Russian Federation):

– The Maestro card number consists of 18 digits (problems are possible when paying in online stores, where the payment form contains only 16 characters), the card number with PS MIR already contains 16 digits;

– The terminal at the payment point must accept cards of the MasterCard Maestro, MIR payment system (look for the corresponding logo). In large chains and stores there are no problems with this; they will accept payment;

– Cash withdrawals are only possible in Russia;

– It is possible to receive it only for pensioners and for enrolling social and other payments, although some managed to simply take and issue this social card;

– For recipients of benefits (for example, for pregnancy), the deposit function does not apply (3.5% accrual on the balance of funds). This information requires further verification.

– Cannot be used as a salary. This is information from the official website, but according to some reviews, people still managed to do this (they transferred the card details along with the application to the accounting department and the salary was transferred perfectly)

As you can see, even based on the short list of advantages, this banking product is just a gift for an ordinary person without any pretensions. Next, let's talk about it more specifically.

How and where to get it. Recipient requirements

A citizen of the Russian Federation over the age of 18, with permanent registration in the region where the card is issued (without permanent registration - a decision on an individual basis), who has the right to receive a pension, can apply for a Sberbank MIR social card.

For reference, the term pension is quite broad (from Latin - pensio), denoting a regular cash benefit paid to people of retirement age, disabled people, and people who have lost their breadwinner.

In the case of Sberbank, according to reviews and official information, a person can receive a Pension Card in the following cases:

• Receives an old-age pension;
• Is an honorary donor;
• For social benefits (for example, child care benefits on maternity leave);
• To return part of (compensation) utility bills for large families;
• Receiving compensation for paying for a municipal kindergarten;
• Refund of income tax (income tax individuals) at a rate of 13% is possible for property and social tax deductions(apartment, training, etc.);
• Receipt of monthly cash payments by disabled people.

If you have experience issuing a card under other circumstances, be sure to write about it in the comments to get a more complete picture. In fact, only reviews from holders of this card allow you to get complete information about it.

So, if you find your case in the above list, then go to the nearest Sberbank branch with a passport and a document confirming receipt of a pension (pension certificate, disability card, etc.), where you will be given an application form. After completing all the formalities for filling out the application form, you just have to wait from 1 to 3 weeks, after which you will be notified by SMS that the card is ready. Come and get it.

By the way, we remind you that you can choose a PIN code yourself after issuing the card in your hands - an additional step of the bank towards the client!

It will be better if you decide in advance what tariff of the Mobile Bank (MB) service you need: Full package (30 rubles per month for SMS information on each transaction) or Economy package (free, but no SMS information). We recommend that you read more about this service at, but I would like to say this. MB will be required in any case if you need access to the Internet bank (an economical package is sufficient), and SMS notification will ensure your safety - at least you will immediately learn about any transaction on the card. This will allow you to take action in case of theft (anything can happen), and it won’t hurt to check the cashier during payment. And 30 rubles, as we noted earlier, will cover 3.5% per annum.

After receiving the plastic card, you must transfer the card account details to the organization paying the pension. If this is a pension fund, then the bank will do everything for you - check this on the spot!

Sberbank pension card. Terms and rates

So what does a person get when he becomes a holder of a social card for pensioners from Sberbank, except for an account with free servicing, into which a certain amount is deposited once a month (the account currency is only rubles). Let's figure it out.

So, the validity period of this personalized budget card is 3 years, after which it will be automatically reissued free of charge for its owner (just visit the branch and they will give you a new card according to your passport). If you lost it, or changed your personal data (first or last name, which is printed on the front side of the plastic), you will have to pay 30 rubles for reissue.

There is a chip along with a magnetic stripe on the “board” of the plastic – this is only a plus; previously cards were issued only with a magnetic stripe. In any case, when re-issued, they now issue a chipped one.

If you want to withdraw money, you can do this WITHOUT COMMISSION through a cash register or at an ATM ALL OVER the territory of the Russian Federation. The daily limit in both cases is 50 thousand rubles (in total you can withdraw 100 thousand rubles per day). For exceeding it, the fine (commission) is 0.5% of the withdrawal amount. In subsidiary banks (abroad), Sber itself does not charge a commission (withdrawal conditions are the same!), but there may be an additional commission from the banking subsidiary (check locally). There you can also withdraw money in the currency of the subsidiary bank’s country. You can find details about limits and fees for all bank card products on.

You CANNOT get cash at the cash desk of a subsidiary bank and also at the cash desks and ATMs of foreign (other) banks. Cash can only be withdrawn from Sberbank ATMs!

If you want to top up your account on your social network, you can do this for free throughout Russia (at any regional bank) through the OCR (cash operator) or the US (self-service device). When replenishing the account by a third party (not the card owner), your local bank will not charge a commission for this, but in another region they will withhold 1.25% of the amount (minimum 30 rubles, maximum 1000 rubles).

The statement (10 last transactions) can only be taken from your local ATM - free of charge.

You can find out about transactions and movements on your account in the MB or in the Internet bank (this method is clearer). It is also possible to receive a monthly report in offices, by email (configurable in SbOl) and by Russian Post. The last method is relevant only for Moscow and costs 150 rubles per year. By the way, Muscovites should be more careful, since when applying for a card, this service can be slowly “sold out.”

They can also sell insurance for card transactions (against fraudulent activities). In Sberbank and others credit institutions They are not shy about imposing additional paid services, so when communicating with a bank employee, be prepared to competently fight back, otherwise they will impose unnecessary services.

The social card does not provide for an overdraft (when you borrow from the bank), but there is such a thing as when in some cases the account may go into the negative. The tariffs imply a penalty for the so-called unauthorized overdraft in the amount of 40% per annum. Keep track of the account balance - it should always be positive.

A good way out of a situation where there is money on the card, but it is not possible to go to an ATM, is to issue an additional card. The service is paid - 150 rubles per year, but there are many amenities. Since the additional card is linked to the main account, your relative, grandson or nephew can withdraw money from it and bring it to you (one of its possible uses). If you don’t really trust it, then you can set maximum cash withdrawal limits (for now this can only be done in a bank), so that everything will be under your control.

How to use and where the card is useful

The bank solves several problems when it offers you to apply for a MasterCard Maestro Social card for pensioners with savings. This means giving up what is outdated and inconvenient to service, avoiding queues at the branch, promptly receiving payments, and also receiving benefits - your money will be stored in bank accounts until you use it. It is for this reason that the client is offered a savings function so that he can keep the money in his account longer.

By the way, by connecting to Internet banking you can manage your money without leaving your home. You can not only pay for utilities, loans and taxes (and many other services), but also open deposits with more favorable conditions (for this you need to conclude a universal banking service agreement - this formality is completed in a few minutes at any branch).

Since you have the card in your hands, you can use it not only to accumulate payments received or a pension, but for its intended purpose. This is an excellent financial instrument for paying for any purchase - more convenient and safer than cash. The main thing is not to forget, and enter the bank number into your phone for emergency blocking of the card in case of its loss.

The fraudster will not be able to do anything with it, since without knowing the PIN code, he will just have a piece of plastic in his hands. A transfer or payment on the Internet will also not work, since the attacker will not be able to confirm the code sent during online payment to your cell phone to which the card is linked (in accordance with the 3-D Secure standard).

For those who earn extra money on the Internet, it would be useful to know about the possibility of withdrawing funds from the WebMoney electronic wallet to a card account with a small commission (15 rubles + 0.8%) - please check this further when withdrawing electronic money.

Don’t forget also about the “Thank You” bonus program (it’s easy to join), which gives you points for every payment transaction!

What to pay attention to!

Before receiving it, you need to clearly understand which paid services you need and which you don’t. These include mobile banking (full package, including SMS notifications), insurance, additional cards, delivery of statements by mail.

If you want to see the interest accrued for every 3 months, then when analyzing the movement of funds in the account through a bank statement, you will not be able to do this. To do this, you need to receive an online statement from the Internet bank for 4 months or more from the date of opening the card (for example, you can order a statement by email for this period).

The presence of 18 digits in the card number often does not allow you to make payments on the Internet or receive payments (from microfinance organizations or banks), in this case, find out bank details your plastic and choose the method of receipt.

Conclusions

The Sberbank social card (relatively recently, at the end of 2016, it became a pension card) is already good because it is free to service, has a savings (deposit) function, allows you to withdraw money without commission at any ATM in the country and, finally, that it is issued ( issued) by the largest and most famous bank in Russia with the most developed infrastructure. Perhaps its most serious limitation is problems with online payment on the Internet. We talked about this in more detail in, these cards have a lot in common, so we recommend that you familiarize yourself with them.

You need to understand that these are budget-level cards, but taking into account the increased security during payments (since 2013, Sber has fundamentally abandoned the only magnetic stripe and combines it with a chip) and its other advantages, it is the No. 1 candidate for registration and use. Enjoy it and add your comments to the review, as there is probably more to say about this worthy banking product.

Quite a lot of people living in our country have at least once received an offer from Sberbank to provide them with a social card. However, not everyone understands what its purpose is and what to do with it. Also very interesting is the question of what papers need to be collected to issue a card.

What features does this card have? Are there any disadvantages? What are the significant advantages?

Let's study the information about the Sberbank social card in detail.

What kind of card is this and why is it needed?

Sberbank provides its clients with a sufficient number of debit cards that offer extensive functionality. However, it is the social card that stands out among all with its huge range of possibilities.

Social card "Maestro" is the most best option for enrollment and subsequent preservation of certain types of pension payments and benefits. In addition, different interest rates apply to the account balance.

Important! Such a card can be used to pay for goods or services, and you can also withdraw money from it.

The main purpose of this card is to attract the largest number socially unprotected categories of people as bank clients. In other words, thanks to such a card, Sberbank is expanding the list of its clients.

Conditions for receiving a card

The Sberbank social card is prepared on the basis of the MasterCard payment system.

It is produced in different versions:

• for people who have reached retirement age or receive financial support from the state;
• for people receiving state benefits over the age of 14 (in some cases, the card is issued to a ten-year-old child - if he is provided with disability benefits, survivors' benefits, etc.).

It is worth noting that the social card has a huge amount of functionality. It is issued exclusively for a strict list of people:

• citizens who are direct clients of Sberbank and have reached retirement age or who receive various types of government payments;
• persons who have received pension payments for the loss of a breadwinner or other payments established by law;
• disability pensioners.

If we touch on the conditions for issuing this type of card, we can list the following:

• the age of the individual is from 14 years;
• citizenship of the Russian Federation;
• registration in the region where you receive the card.

Important! You also need to be careful about the fact that if a citizen does not have the required permanent registration, Sberbank may decide that it is possible to issue a card upon contacting the institution. However, on the other hand, failure to comply with the registration requirement may serve as the basis for a decision not in favor of the client.

Features and advantages

The terms of service for this type of card involve taking into account the financial condition of the person who is the direct owner of the card and who receives certain types of pension payments and benefits on it.

The social card has many advantages. We list the main ones:

• excellent protection against hacking by intruders;
• if necessary, it is possible to request an additional card;
• you can participate in several bonus programs and promotions from companies cooperating with Sberbank;
• You can make various non-cash payments using a card;
• Internet banking is available;
• if you go to the official website of Sberbank, you can see a list of partners who allow you to buy their products with a discount of up to 12% if you pay with this card.

Validity period

This type of card is valid for three years from the date of issue. Information about dates is indicated on the front side of the card. The format is similar to other cards - month / year. Please note that the prescribed month is the last one during which you can use the card.

If there are only a few months left until the expiration date, the bank begins activities to produce a new card in an automated manner. It follows from this that the owner of a social card, upon expiration of its validity, must contact the institution where he received it. He will be replaced old version to a new one.

If a citizen wants to receive a card earlier than the specified month (for example, due to loss), he can go to any bank branch and ask for the corresponding service.

Additional services

Any holder of a social card issued by Sberbank can appreciate the sufficient number of additional services provided:

• the right to receive 3.5% per annum on the card balance;
• using Internet banking, you can make various monetary transactions using a card, track your own expenses, pay bills, etc.;
• the client can set up an automatic payment, thanks to which money for utilities, mobile communications, and the like will be debited independently;
• You can transfer money from one card to another.

Limitations and disadvantages of social cards

From the above we can conclude that the Sberbank social card has many advantages. However, there are some restrictions, although for the most part owners do not pay attention to them, since they are not too significant.

Let's talk about these restrictions more specifically:

• The use of this type of card from Sberbank is limited. Service occurs only at ATMs and branches of this bank exclusively; this is not possible in other places;
• if a citizen has traveled abroad, he can receive funds from the card in the form of cash only at Sberbank subsidiaries; other ATMs do not provide such a service;
• any transactions with funds using this card can only be carried out in the currency accepted in Russia;
• the card does not have CVV2/CVC2 codes, since it is considered an initial level card;
• It is not possible to accrue salaries on this card, because its purpose is to accrue various government benefits and payments, financial assistance for socially vulnerable categories of citizens.

We must not forget that pensioners often do not trust various banks too much, and this is quite sad. Citizens of retirement age are simply afraid to use an ATM, do not want to bother with cards, and therefore they decide to receive funds through the Pension Fund. It’s no secret that this option is not very profitable and comfortable. So it is worth familiarizing pensioners with all the benefits provided by the bank.

Internet banking when applying for a Sberbank social card

Any holder of a bank debit card can connect to the Sberbank Online and Mobile Bank systems.

To connect to Internet banking, a bank client must request a temporary login and password with which he can log into the system. They are usually obtained from an ATM/PVN of Sberbank by clicking on the required menu items.

It must be said that it is not possible to access Internet banking if Mobile Banking is not available. So first you have to connect to it. The citizen is asked to choose between two tariffs - “Full” and “Economy”.

Important! When choosing the first tariff, during any action on the card - crediting or debiting money, paying for goods, 3D-Secure - the person will receive a message on the phone with the relevant information. At the same time, the price for constant maintenance is not too high.

The second tariff does not require payment. Naturally, messages will not be received when you perform actions with the card, but you will receive SMS with 3D-Secure codes required to visit the Internet bank and perform actions with the card.

When a person logs into his Sberbank Online for the first time, he needs to come up with new login information. Any actions performed on the Internet must be confirmed using a special combination of numbers received as a message on a mobile phone. The numbers are entered in a special field to gain access to perform the desired action. Using Internet banking, it is possible to make a variety of payments - for example, utilities, taxes, fines, payments for the Internet, telephone, and so on.

Cash withdrawal fee

First, let's say that the Sberbank social card is designed to perform any actions exclusively at the ATMs of this organization. Other devices will “refuse” to work with it.

Consequently, any actions with funds at ATMs, branches and cash desks of this bank do not require additional payment.

Transfer to a social card - how to find out the details?

The card number is on its front side. It consists of 16 and 18 digits. Using this digital combination, you can top up your account at an ATM or banking institution. In order to find out which account the card is assigned to, you can call the bank’s hotline. The number is 88005555550. There you will have to answer various questions, say a secret word or other private information to the employee. This is required so that employees understand that it is the cardholder who is calling them. You can also find out your account number by logging into online banking.

Pay attention! To find out your TIN, BIC and other bank details, you need to click on the “About the Bank” tab on home page official resource of Sberbank on the Internet.

Cashback and interest on account balance

Citizens of retirement age who have a Sberbank social card receive interest on the balance. Other holders of such a card who receive cash benefits, pensions for disabled people, etc. are not provided with interest on the balance.

If we talk about cashback, there is none. It is worth noting that any bank client has the right to activate the “Thank you from Sberbank” bonus program. You don’t need to pay anything to participate in this program; you just need to connect using an ATM or online banking. Based on the conditions, any money transactions carried out with this card in stores are credited with a “THANK YOU” bonus, amounting to half a percent of the amount. “Gratitude” is credited to a special account. One point is equal to one ruble. You can spend these bonuses when paying for purchases at partner institutions.

Registration procedure

The procedures for obtaining a social security card are almost no different from the procedure for obtaining any other card. Let's list what needs to be done:

• collect a package of documentation;
• visit the nearest bank branch and write an application to receive a card;
• get a social card.

What documentation is needed?

Fortunately, a social card does not require collecting a huge folder of papers. You don’t have to spend a lot of time visiting various institutions.

Here is a list of required documents:

• applicant's passport;
• certificate of entitlement to receive social or pension payments (pensioner’s certificate or something else).

Please note that there is no need to photocopy anything. Copies are taken by bank employees themselves when you contact them with an application.

As you can see, the package of documents is minimal. All official papers are literally within walking distance from the applicant.

Statement

In fact, Sberbank does not have a statement. You will need to fill out a form.

The questionnaire consists of providing certain personal information in a document issued by a Sberbank employee.

What it says there:

• full name of the applicant - the future owner of this type of card;
• address of actual residence;
• the telephone number used by the citizen, with the help of which bank employees can quickly contact him;
• passport information;
• the presence or absence of cards from other banking institutions in Russia.

You must fill out a form provided by Sberbank employees or on the website

Pay attention! In some cases, a person may be asked to record who they live with and how much money their family members receive in total each month. The reason for such clarifications is the need to find out whether it is necessary to offer a citizen a credit card or not.

When can I get a card?

When a person who has contacted the bank to apply for a social card has submitted all the necessary papers and written an application for the card, the employees must decide whether to issue the person with this card or refuse him. Usually the verdict is rendered ten minutes after the application is completed.

If the verdict was in favor of the client, he must pick up his card after ten working days. It is important to consider that the banking product must be received by the owner at the same institution where the application was written.

An example of calculating the cost of owning a Sberbank pension card

Let's try to figure out whether it is advisable to use a card to calculate a pension now.

Let’s take a conditional situation in which the balance on the card account every year is on average 3 thousand. Let’s assume that a citizen used individual services included in the tariff plan.

So, calculating the profitability of a social card will look like this:

Thus, in our situation, income is 245 rubles higher than expenses. However, if you do not issue an additional card, do not require constant reports on manipulations performed with funds and do not rush to immediately cash out the entire pension received, you can make servicing the card quite convenient and not expensive.

How to return illegally debited money from a card?

It happens that money is debited from the card without the knowledge of its holder at all. Most often, this situation arises if a person has lost an electronic means of payment or was used without the agreement of the holder. What to do in this case? It is important to respond in a timely manner to the debiting of money - read any messages from the bank, carefully study notifications about actions on the account. This service is now mandatory for Sberbank.

Started operating in January '14 Federal law Russia dated June 27, 2011 No. 161-FZ, which stipulates the responsibilities of money transfer operators, that is, the responsibilities of a banking institution include the following functionality:

• the money transfer operator must inform the client about the commission of any actions using an electronic means of payment by sending a notification to the person according to the rules specified in the agreement with the client (part four of article nine);
• The money transfer operator must provide the opportunity for the client to send him a notification about the loss of an electronic payment instrument and (or) its use without the client’s knowledge (part five of article nine).

Therefore, to prevent unauthorized debiting of money from the account, it is necessary to constantly monitor incoming SMS messages sent by the bank after any actions with the account. If you do not know why the money was written off and you did not carry out a transaction with the funds, you must immediately take the following measures:

If you have lost an electronic payment instrument or it is being used without your consent, you must immediately notify the money transfer operator in the form specified in the agreement concluded with you. This must be done at the same moment when you notice an incomprehensible operation, when you learn about the loss or use of an electronic payment instrument. Important point: notify the operator on the day following the operation (the eleventh paragraph of the ninth article No. 161-FZ).

When the money transfer operator is notified of the incident, he must compensate the amount of money spent on the transaction.

Advantages and disadvantages of the Maestro Sberbank card

Let's compare the significant advantages of the Maestro card provided by Sberbank. For convenience, the data is summarized in a table:

MIR Map

In our country, a law was passed indicating that all pensioners should exchange their existing cards for Sberbank MIR for pensioners. The deadline is July 1, 2020. For this purpose, the bank has created a special offer called the “Sberbank MIR Card for Pensioners.”

The MIR social card for citizens of retirement age from Sberbank is a card through which people receive financial support. When funds arrive on the card, you have the right to use them at your discretion: withdraw, pay for purchases, save, etc. Appearance card is similar to Visa or Maestro, the only difference is the MIR logo on the front side.

Interest on balance - increase your pension

The days of passbooks and interest-free pension cards are over. At the moment, any citizen of retirement age has the right to a small increase in the money on the card - the percentage is 3.5.

Enrollments are made every month. Only those funds that are currently in the social card account are taken into account. All other factors are irrelevant.

All terms of service

Sberbank is now issuing a MIR debit card for citizens of retirement age, valid for 5 years and replaced free of charge. It includes a free tariff plan that does not involve any costs for services.

Possibilities and conditions for using the MIR card:

• the service does not involve payment;
• if you have lost your card or need to change it due to a change of passport, you pay 30 rubles;
• when the card is replaced for other reasons, there is no need to pay;
• you can participate in the “Thank you” program from Sberbank;
• 3.5% per annum is charged on the balance;
• you can put money on your card at Sberbank terminals for free;
• you can cash out money from your card - up to 50 thousand every day and up to 500 thousand every month:
• at Sberbank ATMs without commission;
• at other ATMs the commission is 1% (minimum 100 rubles);
• at the cash desks of other banks they charge a commission of 1% (minimum 150 rubles);
• you can pay for services and goods in stores, restaurants, cafes, gas stations, and so on without commission;
• information is provided about the balance and the last 10 transactions performed in Sberbank terminals without payment;
• obtaining information in terminals of other banks costs 15 rubles;
• You can request a statement of funds transfer free of charge;
• “Mobile Banking” for MIR card holders is provided free of charge for the first two months, then 30 rubles are charged monthly;
• “Mobile Banking” at an economical rate, which does not require SMS notifications, is provided without payment.

Disadvantages of the MIR Sberbank card

Naturally, the MIR card, like any banking product, has its drawbacks. Let's list them:

• the inability to accumulate other currencies, because the payment system works exclusively with our rubles;
• The MIR card cannot be used to pay for goods and services in foreign countries;
• some terminals cannot yet work with this system, so before you start manipulating the ATM, you need to check it for compatibility with your card;
• some online stores or services do not allow you to use a MIR card for payment, because such cards have been produced recently, and not everyone has had time to “adapt” to them;
• There is a limit on carrying out actions with money - 500 thousand monthly and 50 thousand daily.

Also, the disadvantages include the high cost of servicing a debit card. It is almost the same as the price for servicing Visa and MasterCard. However, the situation may change when the card comes into use.

What to remember?

When you receive your social card, the bank employee will give you all the necessary details. Therefore, the obtained data should be provided to the local PF as quickly as possible. This requires the Fund to transfer funds to this card. Otherwise, payments will be provided as before.

From all of the above, we can conclude that getting a card is not at all difficult. A huge amount of documentation is not required. And more and more clients are now applying for the MIR card.

Video - About the Sberbank social card

Basic conditions for obtaining a Social Card of Sberbank of Russia

Sberbank opened new program called “There are no queues!” within the framework of which a comprehensive service was offered to all pensioners, which includes convenient technical service and a lot of other opportunities, which were embodied in the special Sberbank-Maestro “Social” card. But on special social conditions Today, it's not just retirees who are served.

There are two types of Sberbank of Russia social card - for people receiving benefits and pensioners, as well as for students and pupils over 14 years old. Both types have some limitations, but for holders they are not significant and are practically invisible.

The official name of the card is the Sberbank Maestro “Social” card, provided to the following categories of citizens of the country:

1. Individuals receiving an old-age pension, in case of loss of a breadwinner, disability and other cases;
2. Individuals receiving various types social benefits, subsidies and other social payments.

There are also several conditions for issuing a card. Here are some of the main necessary conditions in order to receive a Social Card from Sberbank of Russia:

• As already stated, the holder must be over 14 years of age;

• Must have proof of identity;

• You also need a document confirming your registration at the place where the card was issued (passport is the main document).

In each individual case of issuing a card, in addition to your passport, you must present a document that will confirm your right to receive a pension or any other social benefits. You can find out more about this from official representatives of the bank.

The card is issued immediately and free of charge at any branch of Sberbank; exceptions to the timing are those who already receive a pension from Sberbank - they will have to wait 2 weeks to receive the card.

There is no need to contact the pension fund, because... This is taken care of by the bank itself.

Some provisions of the Social Card

The main limitation that both Social cards have, both pension and student, is lack of cash withdrawal function abroad, but you can make various purchases with non-cash payments (except in cases where only cards with a chip are serviced). Now we present some basic opportunities and conditions on which cooperation with the bank on this card is based:

1. 3.5% per annum is charged on the balance on the card;
2. Overdraft is 40% per annum (short-term lending to the client by replenishing his personal bank account);
3. It is possible to issue various additional cards (more details in the “Additional cards” section);
4. Annual maintenance on the main card can vary from 0 (for pensioners) to 300 rubles, and on additional ones - 150 rubles (but small annual charges on the balance of funds may completely cover maintenance costs);
5. ATM statements are free (ATMs of Sberbank of Russia);
6. It is possible to pay for a very wide range of goods and services on the Internet;
7. There is access to making transfers and payments to Mobile Bank and Sberbank Online;
8. Access to transactions through ATMs and Sberbank terminals (no commission for cash withdrawals);
9. Replenishment of the card account by non-cash and cash payments.

We recommend that all card holders and those planning to issue one ask bank employees for additional information about the “Thank you from Sberbank” bonus program, about discounts and offers from partners, as well as about the discount program from MasterCard, an international payment system.

Information about the possibility of issuing additional cards

The Sberbank social card includes ample opportunities for issuing various additional cards. For elderly people or frequently ill holders of a Social Security pension card, there is a great advantage - in addition to the main one, a card can be created in the name of another person, which can help solve frequent problems with going to stores and withdrawing cash from ATMs.

Additional cards can be created for persons over 10 years of age who are closely related or under the care of the main card holder.

1. Pension card of Sberbank of Russia Once a month, any pensioner gets that long-awaited day.
2. Gold card of Sberbank of Russia Gold bank cards may seem inaccessible to many, but they are beneficial.
3. Sberbank Visa Classic - how much does a debit and credit card cost? Before talking about the card from Sberbank, it is worth noting that.
4. Youth card of Sberbank of Russia Banking products, constantly developing, give us more and more opportunities for...

10 comments to the article “Social card of Sberbank of Russia”

I purchased a Sberbank social card five years ago to receive compensation for part of the payment for kindergarten. I paid 50 rubles for the production of this card. We have already finished kindergarten, but I still use the card, I put money on it myself, it’s very convenient. Now I am receiving benefits for my second child on this card.

Very convenient card! Personally, I really like the fact that 3.5% is charged on the balance - it seems like a small thing, but pleasant! Sberbank also has a very wide ATM network, so there have never been any problems with withdrawing children’s funds.

My mother uses the Sberbank of Russia social card to receive her pension. I use such a card myself and receive child benefits on it. I really like the opportunity to pay for a huge number of goods and services on the Internet without leaving home and the ability to replenish the card in cash and non-cash. I don't pay anything for annual card maintenance.

A friend was denied a social card a month before her pension was awarded. But when submitting an application for a pension, you immediately need the number of the card or personal account where to transfer the pension. So what should we do? In March, they opened such a card for me without any problems, 4 months before my pension was assigned.

Commission for servicing the Mir card in Sberbank for pensioners

Following the 2014 incident related to the refusal of international payment systems to operate in Crimea, an urgent need arose to commission a national PS. Soon the product was released, and the government, together with the Central Bank, actively

introduces them into the lives of users. However, is the World social card comfortable to use for pensioners in 2018? And is it profitable to be serviced by this product? Since the introduction of innovations is associated not only with new alternatives, but also with unforeseen difficulties that cannot be predicted and eliminated in advance.

Advantages and disadvantages of the “World” card

First, you need to find out the advantages and disadvantages of the updated payment products. Since the main advantages are associated with the root cause of their release and are contained in:

• independence from the Ministry of Railways, because transactions are carried out only on the territory of Russia and are not interconnected with foreign organizations;
• state support, expressed in the government's desire to distribute cards;
• high degree of security - including 4 degrees of protection.

The main disadvantages of the Mir card include:

• Not undergoing operations outside the country;
• It is not possible to withdraw funds from cards at individual ATMs in Russia;
• Forced transfer to use the Mir card, which is associated with many negative user reviews.

Pensioners decide which characteristics outweigh, since the transition to this card affected them the most.

Validity period and conditions for the Sberbank Mir pension card

The main and significant advantage of the Mir card is the absence of service fees. Only the mobile banking service is provided on a paid basis. However, the service can be switched to an economical mode, in which there is no fee for use.

The card is valid for three years, then it is automatically reissued. It is impossible to issue an additional one to the main card, and it is also impossible to link plastic cards operating through other payment systems to the account.

There are established limits on cash withdrawals through an ATM in the amount of 50 thousand rubles. per day. When cashing out an account through a cash desk, you can receive an amount higher than the specified amount, but for excess, a commission equal to 0,5% from an amount over the limit.

Supporting Features

In addition to the above conditions, pensioners should know other differences and properties of payment cards. The most attractive option is to accrue interest once a year on the minimum balance. In 2018, the amount of savings in the account will increase by 3,5% .

In addition, Sberbank provides the opportunity to:

• Remotely control the account status through a mobile bank and an individual account;
• Activation of the autopayment option, which automatically transfers funds for services selected by the client;
• Use the “Thank you” program, which gives you the opportunity to save on paying for purchases using your card.

How to get a card for pensioners Mir

The Mir pension card from Sberbank is issued subject to the following conditions:

1. The client reaches retirement age and begins to receive accruals (in such cases, a choice is made in favor of transferring payments to the Mir card, or receiving them via mail).
2. Having made a voluntary transition to payments to the card (provided that funds were previously received via mail).
3. Receiving a new card at the end of the validity period of the old one.

As noted above, this bank product is provided only to pensioners. Other current and future clients cannot apply for this card, even if such an offer would be beneficial to them. In addition, the World card for pensioners is one of two options for receiving payments.

There are not many ways to obtain a payment card from the national payment system. Let's look at them in more detail:

• By filing an application with the pension fund;
• By submitting an application to the MFC;
• Going to any Sberbank office;
• By filling out a form on the bank's website.

Submitting an application is possible only within the region of your permanent location. You also need to have the following documents with you: a civil passport, SNILS or a document certifying the receipt of a pension.

There is no need to worry about age or fees for providing a card. Plastic is provided absolutely free. Timely payment of pension payments is the responsibility of any country, and therefore there is no fee for servicing a pension card.

Is it possible to refuse the Mir pension card?

Persons who do not want to replace their Mir card will have to give in and get a new card. Today there is practically no possibility of refusing to receive a national PS card. The only way not to use plastic is to pick up funds at the post office, or wait for the postman to bring the payment.

Therefore, it is mandatory for pensioners to receive a Mir card. However, it is still possible to transfer money from a pension account to another. This can be done in your personal online banking account. However, there is no way to predict how long this option will remain in place, and it is likely that restrictions will be placed on this operation.

Conclusion

It is not difficult to determine the purpose of a Sberbank Mir pension card. You just have to carefully read the requirements for its provision, maintenance and use. Therefore, there will be no difficulties in using it.

We can talk for a long time about the profitability of issuing a national payment card. However, due to the fact that its introduction will crowd out other pension cards, there is no point in discussing them. In any case, all payments will be made to it. In this connection, it is necessary to familiarize yourself with all the positive aspects and apply them when using.

Social card of Sberbank of Russia for pensioners

Receiving your pension can be done in cash or by crediting the amount to your bank account. The most convenient way to receive, accumulate and spend pension funds is a bank card. There is a special Sberbank product for pensioners. These are pension cards that are only available to state pension recipients. Such cards are convenient and easy to use. The right to receive them belongs to all Russian pensioners without exception.

Types of Sberbank pension cards

Currently, only one type of pension bank cards is issued. These are WORLD cards. However, until recently, pensioners were issued Maestro/Mastercard cards. Now the issuance of such products has been stopped due to the transition to MIR format plastic. They are now issued to all government employees, pensioners, military personnel and similar categories of the population.

At the same time, Maestro cards continue to be valid. Their service has not been stopped and this is not planned at all. These products will operate under the same conditions. There are no special inconvenient conditions for Maestro holders. Simply after the expiration of the specified product, pensioners will receive MIR cards in exchange for Maestro.

Thus, pensioners have two types of valid cards in their hands. Each of them works on initial conditions, no fundamental changes have occurred.

Video on pension cards from Sberbank

How to get a Sberbank social card for pensioners

As stated above, all pensioners are eligible to receive the designated products. These are the following population groups:

• Pensioners by age. In this case, work experience does not matter. Upon reaching retirement age, every citizen becomes a recipient of a pension;
• People receiving a pension due to disability. All funds from such a pension are credited to the card;
• Receipt of special pensions is also carried out on a social card. Special pensions are long-service payments that are due to retired military personnel, police officers, prosecutors, and so on.

Thus, the right to a card arises for all categories of pensioners, regardless of the basis for receiving pension payments. To obtain a card, you only need to have a passport. After all, you need to certify that you are a Russian citizen and that you have registration. All specified information is contained in the citizen’s passport. You will also need a pension certificate. No more papers needed. Sberbank will not require extracts from your work record book or certificates from the Pension Fund. The entire procedure for receiving the product has been simplified as much as possible for the convenience of pension recipients.

It is important to understand the methods of obtaining a pension card. The procedure has some specifics. Therefore, it should be considered in more detail:

• The easiest way is to receive a card at a Sberbank branch at your place of residence. All you have to do is visit the office and pick up a coupon to receive a new card. This is suitable for those who are applying for a pension card for the first time. At the office, the manager will accept the application and in three weeks the card will be ready;
• If you need a replacement card due to expiration or loss, you should also contact the bank office. The sequence of actions will be the same. You should take a coupon and inform the manager about the need to replace the product. You will need to fill out a standard application form indicating the reason for reissue. At the same time, instead of the previous Maestro card, the pensioner will receive a new MIR card;
• If a pensioner is a holder of other bank products, he must have a personal account. This is a convenient service that gives online access to all actions. You can also order a reissue of your pension card. That is, to use the service personal account, the pensioner must already be a plastic holder. After placing an order, in two to three weeks the pensioner will receive an SMS message notifying them that the card has been reissued. However, you will only have to receive it in person when visiting a bank office. It is not allowed to send the product by mail or transfer it by courier. Therefore, the pensioner will still have to visit a bank branch;
• If you need a new card, you won’t be able to use your personal account. You just need to take the documents and go to the Sberbank office.

Thus, to obtain a new card, you only need a passport and a pension certificate. And for re-issue, only a personal passport is enough. In all cases, it is necessary to pay a visit to a bank branch. You won’t be able to complete all the steps and get a card online. This is done to protect product holders from fraudulent activities.

Conditions and cost of servicing the MIR social card

As indicated above, the only condition for receiving a MIR card from Sberbank is reaching retirement age. Accordingly, the very fact of retirement and the issuance of a pension certificate give a person the status of a pensioner. And each such person has an unconditional right to receive the specified product.

Upon presentation of a passport and pension certificate, a bank employee will fill out an application and help fill out an application for the issuance or reissue of a card.

Since these products belong to the category of social cards, they are serviced under special conditions.

As a rule, the bank debits funds from the card account annually as payment for its servicing.

However, similar rules do not apply to pension products. For them the holder. No need to pay.

Accordingly, card servicing is free of charge for a person. The costs are borne by the Pension Fund.

At the same time, when connecting to the Mobile Bank service, you will need to pay this service at our own expense. This is not included in the card service itself.

This service consists of SMS notification of card expenses.

The holder receives notifications about the transfer of funds and expense transactions. He can manage his accounts and top up his mobile phone from his card account. This is convenient because the availability of bank services is significantly expanding. After all, the holder controls his accounts on a constant basis. To obtain important information, he does not need to contact the bank or use terminals. The card account number will be “linked” to the mobile phone number. This service should be activated immediately after the card is issued. But you can connect it at any other time.

At the same time, the cost of paying for the mobile banking service is 60 rubles per month, which is not burdensome at any level of pension.

Production time and card validity

The production period covers the time from the moment the application for card issuance is submitted until the day it is received by the Sberbank client. The bank will significantly improve its service and is trying to issue cards as quickly as possible. However, when applying, the client will be focused on a period of three weeks after submitting the application.

However, the card will be issued faster than the specified three weeks. Practice shows that the actual time frame for issuing most pension products falls within two weeks.

In this case, the client receives a notification about the receipt of plastic at the bank branch in the form of an SMS message.

After receiving such a message, he can visit the bank any day and simply pick up his card.

Social card features

First of all, a social card is a bank account. Pension funds are credited to it. Accordingly, this card will be replenished monthly from pension payments.

In this case, the client has ample opportunities to use the specified card. They should be considered in more detail:

• He can pay for purchases in stores. The card works in the same way as salary products or credit cards. At the same time, modern MIR cards can simply be applied to a payment terminal and paid for purchases without entering a PIN code. But this opportunity is provided only if the check amount is less than 1000 rubles;
• You can pay for utilities and other services. For this, personal account services or Sberbank terminal capabilities are available;
• The card can be used as a savings account. That is, the saved funds can simply be left in the account;
• You can top up your mobile phone account. It is especially convenient to do this with the mobile banking service.

Overall, the card's capabilities are quite impressive. They are no different in functionality from payroll products. The advantages are the absence of service fees and the ability to pay for purchases and services cashless.

You should pay attention to the only negative. Currently, MIR cards are not supported in other countries.

Therefore, it makes no sense to take it with you on a trip.

However, this applies not only to pension products, but also to all MIR cards in general. After all, the salaries of all government employees and public sector employees are credited to it. But within Russia, these products will become an excellent means of payment.

How interest is calculated on the Sberbank Social Card

The card is linked to a specific account. Simply access to this account is carried out using plastic. Consequently, when the pension is credited, the money goes to the card holder’s account. And interest will be automatically accrued on these funds.

Since we are talking about a pension card, the interest rate is increased. Thus, the bank provides for the accrual of 3.5% per annum on the amount of the card balance.

This enrollment occurs automatically. This is provided for in the terms of the card issuance agreement. To do this, you do not need to write additional statements or take any actions. Interest is accrued on the amount that is available on the card account at a particular moment. Accordingly, the greater the amount of savings in the account, the more dividends in the form of interest the card holder will receive.

How to use a Sberbank pension card

Making purchases is carried out by placing the card on the terminal in the store or entering a PIN code. However, using this product you can make money transfers and top up your account. To do this, you can use the Sberbank online service or any bank terminal.

For example, to top up your account you should select the “cards” tab:

1. You should find the pension card in it and select it by clicking on the mouse button;
2. After that, you need to choose a replenishment service. They can be replenished by debiting money from your other account;
   If you need to top up with cash, you should use the terminal. It is necessary to insert the corresponding bills into the receiver after inserting the card itself;
3. For further transfer, you need to select the “transfers and payments” tab;
4. Then, select “translations”;
5. After that, you need to enter the account number to which the transfer will be made. In this case, you can always use the services of a bank consultant, which are available in any operating room.

What cards does Sberbank still provide to pensioners?

Pension products are debit cards. In essence, they are no different from salary payments. Simply credited to salary cards wages, and pension products are credited with pension payments. In addition to this debit card, a pensioner can receive a credit product. This is also a plastic product with one or another cash limit. The specific size of the limit depends on a number of conditions and is determined in each case individually.

But the size of the bank client’s pension and his age are of fundamental importance.

Conclusion

Thus, the presented product is available to all pensioners. And such cards are provided completely free of charge. Only the additional mobile banking service is paid for.

With the help of a pension product, you can make any purchases, accumulate funds, and pay utility bills. However, these cards are not serviced abroad.

To receive the designated product, it is enough to visit the bank office with your passport and pension certificate. Two weeks after writing the application for issuance, the product will arrive at the bank and all you have to do is pick it up.