How much does it cost to service a Sberbank pension card
Sberbank is a popular and large bank offering numerous opportunities and programs for different clients. The pension card offered to almost every pensioner is considered quite interesting.
It offers many benefits to older people. At the same time, there are certain features of servicing this banking product.
It is issued only to pensioners who meet certain conditions.
The service is accompanied by some peculiarities:
- interest is charged on the balance;
- cash can be withdrawn daily in an amount not exceeding 50 thousand rubles. and for a month this amount cannot be more than 500 thousand rubles;
- an overdraft is offered, and the client, for his own convenience, can issue an additional card;
- there are several types of this card, and one offers free service, while others will have to pay 150 rubles.
What are the advantages of MIR pension cards from Sberbank? The answer in this video:
Important! Each owner of this banking instrument can use or connect auto payment, as well as receive a statement for free.
In what time frame is it made
There are no clear and strict terms during which a pension card (or MIR) is created, since the process depends on the location of the branch, on the individual characteristics of the client and other factors.
As a standard, it does not take more than 10 days to manufacture this banking product after a positive decision is made. In Moscow, 7 working days are allocated for this.
What are the capabilities
The pension product issued to Sberbanks offers its holders many unique opportunities.
These include:
- equipped with a chip, due to which the ideal protection of the banking product from access to funds on the account of fraudsters is guaranteed;
- there is an opportunity to participate in the bonus program, as well as to use various promotions and offers of partners of the organization;
- the holder can make non-cash payments;
- funds are withdrawn from ATMs of Sberbank in Russia or abroad without charging commissions;
- it is allowed to use all the advantages of the Sberbank Online system, which greatly simplifies control over funds or performed operations;
- reissue for Sberbank clients is free of charge;
- some stores offer specific discounts to their holders.
Conditions of the Sberbank pension card. Photo: sberbank.ru
Important! You can ask about all the possibilities of this banking product directly from the employees of the organization.
How much is valid on time
Sberbank's pension cards are issued for three years, and this information is contained directly on this instrument. It indicates the month during which you can last use it to perform various operations.
How and where can a pensioner get a credit card? Answers by.
Important! When issuing this product of Sberbank, in addition, the client of the organization receives an envelope with a PIN code, which must be learned and destroyed, namely, it is used to perform various operations.
The re-issue is initiated directly by Sberbank on the eve of the card's expiration date. Therefore, if there is no need for prolongation, the client must write a written refusal, after which this document is transferred to the bank employee.
What is the interest rate
The main advantage for many pensioners in the process of using this pension card is the ability to receive a certain income, since interest is charged on the balance of money.
Is a pensioner obliged to receive a MIR card? Answer .
Important! For this, an interest rate of 3.5% is used. The interest received can be used to pay for the service of the card, and it is also allowed to spend it for absolutely any other purpose.
Due to the capitalization of interest, it increases the income of the holders of this banking instrument. The procedure is performed quarterly.
Card limits
The following limits are set for this banking product:
- cash payments per month cannot exceed 500 thousand rubles;
- it is impossible to withdraw more than 50 thousand rubles per day;
- if you use other banks, then there is no daily limit, if you go to the cashier, and through ATMs it is 50 thousand rubles;
- there is no limit on payment for different goods or services.
What you need to know about the Sberbank Social Card? Watch the video:
Important! If you use an unauthorized overdraft, then 40% per annum is paid for this.
What are the limitations
When using a pension card, holders may face certain restrictions:
- non-cash payment for goods or services via the Internet is allowed only on the territory of the Russian Federation;
- it is not allowed to receive cash abroad.
What deposits do banks offer for retirees? Read on.
All restrictions can be clarified with the employees of Sberbank.
Terms of use and terms of service
A commission of 10 rubles is paid for opening an account. Cardholders can use SMS notifications about transactions.
What are the tariffs
When using pension cards, a free service can be established for the main banking instrument. For additional cards, you will have to pay 150 rubles. in year.
How to transfer a pension to a Sberbank card
Often, pensioners want to get this pension card in Sberbank, but at the same time receive a pension to the account of another bank. To enjoy all the advantages of Sberbank, you will have to transfer your pension to it.
Possibilities of the Sberbank pension card. Photo: sberbank.ru
For this, an application is formed, which is transmitted to the employee of the PF department. This document indicates the details of the pension card, the applicant's full name and the name of both banks.
A copy of the savings book must be attached to the application, as well as a certificate confirming the opening of an account with Sberbank.
Conclusion
Thus, Sberbank's pension cards are considered popular banking instruments. They offer numerous benefits to holders. Main card service is free of charge.
You can connect many different additional services that greatly simplify the process of using this banking product.