Social card "Mir" Sberbank for pensioners - be sure to change or not
The transition to the domestic payment system began not so long ago, and many residents have a logical question: "Is it necessary to change the Sberbank Mir card for pensioners?" In this article, we will consider a new payment system and its proposals for retirees.
Advantages and disadvantages
Political and financial sanctions were a message of the need to quickly develop and implement its own independent payment currency. In 2015, the Mir project was presented, the initial implementation of which was undertaken by Sberbank. The use of exclusively national currency for settlements and support from the state led to the release of several new bills, forcing all budgetary organizations to switch to using a domestic solution.
The government program is designed until 2020, when all budgetary organizations and pensioners will use the solution from Mir. At the same time, support for the project will not stop. For 2 years, more than 300 banks managed to join the program, many of which became issuers and received the right to issue similar solutions. The state strictly regulates the conditions for using this type of card, limiting third-party interference.
The main advantages for state employees and pensioners include:
- a unique four-step security system that prevents software hacking and data theft. The developers were able to achieve this level of protection by applying the latest world developments in this area in the security system;
- no interest when withdrawing, replenishing and transferring funds within Russia. Such conditions must be provided by Sberbank and issuing banks;
- guarantee of high speed of processing requests coming to the bank. Any operations take place instantly. All money transfers are made exclusively through Russian centers;
- favorable conditions and constant discounts help to attract new customers to the system.
Thus, this program not only improves the quality of keeping funds and offers new conditions, but also ensures the financial sovereignty of Russia, which has a positive effect on the overall economy.
A new project cannot be without temporary drawbacks, for 2018 the following problems are relevant:
- low level of integration with international payment services, which can cause inconvenience when buying goods and paying for services abroad. Integration is available with JCB and Maestro. It is planned to sign an agreement with Visa, which will be a new stage in the development of this solution;
- the high cost of producing such cards for banks, which is influenced by the technologies used. If you purchase such a card separately without using the replacement program, the first annual service fee will be higher than that of foreign counterparts;
- Many online stores and other services did not manage to connect the possibility of using the Mir payment system, this problem is being actively solved, since a large flow of buyers began to demand the opportunity to use this particular payment option.
Pension card "Mir" of Sberbank: validity period and terms of service
The solution for retirees can be obtained completely free of charge during the free plastic card replacement program. This feature will be available until 2020. It is worth noting that if a pensioner lives in a remote area from the city and does not have the opportunity to withdraw money from an ATM, he can write an application in the general form for the issuance of a pension in cash through the postman.
The terms of service for pensioners are also favorable - the issuance and further service are completely free of charge. The state program for the implementation of the domestic payment system covers all costs. Moreover, there are pleasant offers for pensioners, including the accrual of interest on the balance of funds on the card. Other state-owned companies also carry out various actions to popularize the Mir system.
So, you will be able to get a loan for a domestically produced car on favorable terms, even if you are a pensioner.
The social card "Mir" of Sberbank for pensioners in 2018 is a unique solution that has no analogues in the country among foreign manufacturers. For an additional cost, an SMS notification about the accrual of a pension can be connected, and for more advanced users, access to Internet banking is issued, which significantly expands the basic capabilities of working with a card.
The card is valid for 5 years, then it will be reissued free of charge.
For security purposes, a daily withdrawal limit of 50 thousand was introduced. You can exceed it, but then you will have to pay 5% of the commission from the excess amount. It is impossible to change the card to a foreign analogue, using the replacement card of the "Mir" payment system, you undertake to use it before the end of the working period.
Pension card "Mir" of Sberbank: interest accrual
Sberbank takes care of its customers and offers retirees 3.5% per annum of the account balance, which will be a nice addition when using a modern solution. The social program is aimed not only at improving the general financial situation, but also at improving the quality of life of clients. Having learned what it is, the question arises - "how to get the Mir pension card?" It is enough to contact the nearest bank branch of Sberbank or another issuing bank and write an application according to the appropriate sample. The Sberbank Mir pension card will be produced and issued to the client as soon as possible. The modern solution is rapidly developing and opens up new opportunities for customers both for withdrawing and transferring funds, and for making purchases in online stores.