Sberbank Maestro social card for pensioners. Pension card of Sberbank of Russia What is the name of the pension card account in Sberbank

For elderly people receiving payments from the Pension Fund of Russia, the country's largest bank has developed a special card product. The Sberbank MIR pension card provides for interest accrual at the rate of 3.5% per annum.

Features of the payment instrument

A social card for pensioners with interest accrual is suitable for persons who receive government payments in connection with retirement or social subsidies paid by the pension authority. The client cannot be the owner of more than 1 valid card.

After the launch of a new type of plastic, receiving a pension has become easier. The advantages of using it are as follows:

1. There is no need to carry cash everywhere - you don’t have to worry about the safety of your finances, because you always have access to it.
2. You no longer need to wait for the postman to arrive or go to the cashier yourself.
3. The payment day is equal to the day the funds are transferred to the Pension Fund.

Important information regarding owners of Maestro payment instruments: on the basis of Federal Law No. 161 “On the National Payment System”, the planned or early reissue of the “Maestro Social” card product will be replaced with “MIR Pension” cards. Tariffs, terms of service and account number are saved, and the connected services will automatically be available on the new card after receiving the plastic card at a bank branch.

The PKU pension program offers to take care of your upcoming pension in advance through investments in Sberbank NPF. The organization is engaged in raising funds transferred by employers to create savings for future employee pensions. On the organization’s website you can calculate how much payments from the state will be approximately per month after retirement.

Based on the results of 2017, Sberbank Non-State Pension Fund accrued income at a rate of 8.34% to savings accounts of the accumulative part of pensions under compulsory pension insurance, and to NPO accounts - 8.16%. The figures exceeded the inflation rate by 3 times.

Documentation submission procedure and requirements for clients

There are 3 ways to pay pension contributions to your card:

• at the Pension Fund branch;
• at the Sberbank office;

To obtain a pension card (PC), the following requirements are imposed on individuals:

1. At least 18 years of age (for the main card).
2. The client must be one of the citizens of the Russian Federation (foreign citizens or stateless persons) who have the right to receive pension payments from the state.
3. It is necessary to have a temporary (permanent) registration on the territory of the Russian Federation, SNILS.

To register a PC, the client needs to perform a number of actions:

• visit a banking service office;
• submit a Russian passport and a document for the right to receive pension contributions;
• fill out an application.

An application for issuing a card can also be submitted online on the bank’s official portal.

Terms of use of a plastic payment instrument

Every year, Sberbank accrues 3.5 percent on the pension card balance. The card is valid for 5 years. Service is free. The Mobile Bank service is provided free of charge for the first two months; during subsequent periods of use, a fee of 30 rubles per month is charged. The payment instrument can be connected to the “Thank You” loyalty program, in which points are awarded in partner stores of a financial institution after making purchases.

Interest calculation process

As of May 2019, the rate at which interest is accrued on a Sberbank pension card is 3.5. The bank has the right to unilaterally change the indicator by notifying clients in advance.

Interest on the balance is calculated quarterly from the date of receipt of the card product. For example, if the card was issued on May 15, then the payment will be made from May 16 to August 15. Income is affected by the balance of funds and the number of days in the billing period. Accordingly, the more money remains on the card, the higher the profitability will be.

For example, when the account balance is 30,000 rubles in the period from May 16 to August 15, by calculating using the formula: balance * (interest rate / 100%) * (number of days in the RP / number of days in the year), an income of 262.5 rub.

The profit is quite small and is suitable for those who plan to constantly use the payment instrument and receive additional interest on the balance.

If you need a more significant income, you can open a deposit with a bank.

Conclusion

In 2019, Sberbank offers pensioners to apply for a pension card, to which payments from the Pension Fund of the Russian Federation will be transferred, bonuses will be accrued, as well as 3.5 percent on the balance. It is worth remembering that accrual occurs quarterly, i.e. income is credited to the account at the end of the billing period.

Otkritie Bank pension card

The Otkritie Bank pension card is designed specifically for pensioners and has very favorable conditions. Pensioners can use it completely free of charge.

• For whom: for all pensioners
• Cash withdrawal: free at any ATM
• Interest on balance: up to 4% when transferring pension to card
• Service cost: for free
• Additional features: cashback up to 3% of the purchase amount in pharmacies

How to apply

• Required documents: passport, pension certificate
• Issue cost: for free
• Design method: at a bank branch
• Processing speed: on the day of contacting the bank

Why do you need a bank card?

When developing its product, the bank was guided by the interests of pensioners for whom it was created. Other categories of clients cannot issue this card.

It is convenient to pay for various goods and services with a card. In addition, it is suitable for saving and accumulating finances. If you want to save money, you don't need to open a separate account for this. You can withdraw them whenever you want, and interest will accrue on the amount remaining in the account every month.

The advantage of the card is that you can use it to pay for the purchase of medicines in pharmacies, receiving good discounts. Pensioners visit pharmacies more often than other categories of citizens, spending a lot of money on medicines. The bank took care of its elderly clients, giving them the opportunity to buy necessary medicines at a discount.

Advantages of a pension card

A debit bank card for pensioners was created specifically for this category of citizens, so its functions are as convenient and useful as possible for an elderly person.

• The main advantage is that the cardholder can withdraw money from it at any ATM of third-party banks completely free of charge and without any limits.
• This banking product is also issued and serviced free of charge.
• When funds arrive in the account, the pensioner receives an SMS notification on his phone. This service is also free.
• The bank provides the client with the opportunity to independently choose one of two types of cards - personalized or instant. In addition, a pensioner can issue a personalized card, and while it is in the process of being produced, use an instant one.
• A good cashback on purchases at pharmacies will be a pleasant bonus for customers who regularly purchase medications.
• Interest is accrued on the account balance. The conditions under which they will be accrued are very simple and accessible to every pensioner.
• There is no need to go to the post office or bank to collect your pension, or wait for the postman to arrive. By issuing a plastic card, you are guaranteed to receive your money without leaving home.
• The bank has many branches and ATMs due to the connection to them of machines and branches of Trust Bank, which acts as a bank being rehabilitated.

How interest is calculated

Each client must deposit a certain amount of money into their account before receiving plastic. Within one day, a consumer can withdraw up to fifty thousand rubles from the card, but only on the territory of Russia (cash cannot be withdrawn abroad). When located outside the territory of the Russian Federation, only non-cash payments are allowed. If a pensioner does not withdraw money for three years, he can count on receiving an additional bonus in the amount of two monthly pensions.

Sberbank accrues interest on the pension card every quarter. The longer the funds are kept in the account, the greater the profit the client will receive. The amount of charges in 2019 is 3.5%. The bank has the right, after notifying the client in advance, to change the interest rate under the program.

The income that can be received using the card depends on the balance in the account.

Calculation example

The pensioner has additional income, so social benefits are not withdrawn during the year. Every month he receives a pension in the amount of fifteen thousand rubles. Over the course of a year, the capitalization of funds will be 6.3 thousand rubles, so the current account will have 186.3 thousand rubles after twelve months.

How to get a card

A social card for pensioners with interest accrual is available to citizens who have reached a certain age, become disabled or have lost their breadwinner. To obtain plastic you need:

• contact the bank branch with a passport and a document confirming receipt of social benefits;
• on the official website of the financial institution you can download a sample application and fill it out at home, date and sign;
• It takes about two weeks to issue a card; you can pick up the plastic at the Sberbank office;
• After receiving a credit card, you must inform the Pension Fund of the Russian Federation about your desire to receive a pension to your current account at the Savings Bank and indicate the card details.

You can also arrange a transfer at the MFC.

In addition to the plastic, the user is given an envelope containing a security code, identification data for logging into the Personal Account and bank details. Using this data, you can make any transaction through an ATM or online banking.

Conclusion

A pension card allows you not only to pay for goods and services, but also to receive a small income. This point is especially relevant for those who have additional income and do not withdraw benefits for a long time. The indisputable advantage of plastic is free maintenance. Interest on a pension card from Sberbank is accrued every quarter. A pensioner can additionally issue several cards for relatives; they will be serviced at a preferential tariff schedule.

How interest is calculated on a Sberbank pension card

Russian pensioners are increasingly using the services of Sberbank, which has rightfully occupied a leading position in the market for providing credit and financial services to the population for many years. By participating in the “Active Age” program, developed specifically for senior citizens, pensioners can take advantage of such a financial product as a social card.

Plastic of this level has a number of advantages with similar proposals. Its main advantage is the receipt of additional income, which is provided by a Sberbank pension card: interest is accrued on the balance annually. But how exactly this procedure occurs, and what income to expect, you need to know even before concluding a banking agreement.

Interest accrues on the pension card every 3 months

Types of pension cards offered by Sberbank

To fulfill the conditions and implement the existing pension program, the savings bank uses two types of financial and payment products. This:

1. Plastic from the Russian PS MIR.
2. Classic card options from MasterCard.

Sberbank plans to eventually completely switch to servicing and issuing plastic cards developed on the basis of the MIR payment system.

The rest of the pension plastic will gradually go out of use. That is, when it is reissued, pensioners will already be issued MIR cards. Its only drawback is the inability to use it abroad.

All features of the functioning of a pension card can be found on the official website of Sberbank

Benefits of plastic for pensioners

One of the main features of the development of pension reform in the Russian Federation is the implementation of the Russian payment system MIR. The main goal of this program is to improve the level of the Russian economy and its independence from political squabbles. In addition to the fact that interest is accrued on the balance on a Sberbank pension card, the holder of a plastic card of this level also receives benefits such as:

• cashless payment in stores and online markets;
• Mobile Banking services with SMS notification and provision of free operation for the first 2 months;
• registration of a personal account on the official website of Sberbank and further use of the multifunctional service;
• participation in the large-scale “Active Age” program, which involves the use of various additional benefits;
• participation in the cashback program from Sberbank “Spasibo” (with each non-cash payment, points are awarded to the participant’s personal account, which are subsequently used to pay for goods and services).

How interest is calculated on a Sberbank pension card

One of the significant advantages of pension plastic is the regular accrual of additional income in the form of certain interest on the cash balance. The percentage established by Sberbank is stable and does not depend on the economic condition of the financial institution. But it must be taken into account that only those pension receipts that are produced by the Russian Pension Fund are subject to accrual. Other sources of income are not taken into account when calculating interest rates.

Accrual rules

The interest on the Sberbank pension card will depend entirely on the balance of money stored in the account. Only those pension plastic holders who have the status of an old-age pensioner can count on this pleasant bonus. The accrual report begins from the moment the card is issued.

The interest rate is fixed and equal to 3.5%

Interest rate

The fixed interest rate remains unchanged at 3.50%. The final amount of profitability will directly depend on the balance of funds that the pensioner does not spend, but leaves on the plastic balance.

When does accrual occur?

Interest is calculated and credited every quarter, that is, once every three months. The date of crediting passive income is the day the card is issued. That is, if the plastic was received on April 5, then the first bonus should be expected on July 5.

Interest calculation example

As already mentioned, interest is calculated not from the size of the pension, but from the amount of money stored on the balance sheet. For example, you can calculate exactly what bonus to expect based on the following parameters:

1. Card balance: RUB 35,000.
2. Release date: April 5, 2018

With such data, the interest calculation will be as follows:

1. Total number of days in 2018: 365.
2. The first accrual of interest will occur on July 5, 91 days will be taken for calculation (25 days in April, 31 days in May, 30 days in June and 5 days in July).
3. The calculation will be as follows: 35,000 x (3.50% / 100.00%) x (91 / 365) = 306.25 rubles.

How to apply for a pension card

To become a pension card holder, the client should go to a banking institution and fill out a corresponding application. Along with the application, the client will be required to provide a passport, pension certificate and SNILS. You can also submit a preliminary application for a pension card remotely, through your Sberbank-Online personal account.

On average, it takes up to 1.5-2 weeks to review, check data and issue a pension card. You receive ready-made plastic at a banking institution upon presentation of your passport.

How to transfer pension to card

To receive a pension card, the future card holder's personal presence at the bank's office is required. After opening a pension account, the pensioner can begin transferring his pension contributions to plastic. To do this, you need to visit the Pension Fund and fill out an application for pension transfer. This can be done in several ways:

1. Personal visit to the PF.
2. Using the State Services website.
3. Through the MFC (the address of the local center can be determined on the website of the regional PF).

Methods for replenishing pension cards

In addition to regular pension accruals to the card, social plastic card holders have the right to additionally deposit money into the account. Sberbank offers several ways to top up your card. In particular:

• in cash through Sberbank cash desks in the office;
• depositing cash through self-service devices;
• non-cash transfer from cards of third-party banking organizations;
• using remote services (Sberbank Online and Mobile Bank);
• through ATMs/bank terminals, debiting funds from an existing debit card.

Being a holder of a pension card from Sberbank is quite profitable. After all, every owner of such a card has the opportunity to participate in the “Thank You” and “Active Age” programs conducted by Sber. And the received bonuses and points can subsequently be used as payment for various purchases. And don’t forget about interest, which is steadily accrued on the cash balance every three months.

Accrual of interest on a Sberbank pension card

The largest number of citizens in our country are clients of Sberbank, since it provides the widest range of banking products. Each such product has special parameters and conditions, focusing on the target audience of consumers. One of the interesting offers is the Sberbank pension card: interest is accrued on it on very favorable terms, and all calculations are carried out instantly.

Advantages of a Sberbank pension card

A pension debit card with interest on the balance from Sberbank is a convenient tool for saving funds. It provides its owners with certain advantages of use:

• Reliable issuer. Sberbank occupies a leading position among financial organizations in Russia. It has the widest network of branches and branches, some of which operate around the clock without breaks or weekends. This regime allows clients to have constant access to professional advice and solutions to urgent issues.
• Free receipt of payments. Subsidies are transferred directly to the pension card, which eliminates the need to visit banks or post offices to receive money. Relevant for retirees with health problems.
• Free use of the card. The plastic product is accepted in almost all retail outlets, bank offices, and electronic payment devices. Moreover, carrying out transactions using the card takes only a few minutes.
• Possibility of accumulation of funds. The issuer charges interest on the Sberbank card balance, which allows you to receive a certain passive income every month.

A wide network of branches and ATMs provides card users with the opportunity to withdraw cash quickly and conveniently, without wasting time searching for the right device or office.

Functionality of the Sberbank pension card

Of course, many potential users of a plastic banking product are interested in how interest is calculated on a Sberbank pension card. The scheme is simple and understandable. At the end of each quarter, interest is accrued on the available amount on the card balance. Interest rate is 3.5%.

When making payments, it does not matter what funds are stored in the account. In addition to pension payments, the owner of the plastic has the right to deposit additional amounts of money into his account. On the specified date, the bank will make the required calculations and transfer interest to the bank card account.

More detailed information about how and when interest is calculated can be obtained on the official website of Sberbank or from employees in branches.

In addition to receiving passive income, cardholders can use additional options and become participants in Sberbank bonus programs. The banking institution guarantees the security of funds stored on the card account through the use of 3D-Secure technology. It is a special protocol for user authorization when using a card for online purchases or making other electronic payments.

Terms of use of pension cards

Citizens of the Russian Federation or persons with temporary registration who have received the right to receive pension subsidies can become the owner of a pension card. Plastic is serviced by the MIR payment system and is denominated in rubles. The validity period is standard for all debit cards and is five years, after which a reissue will be required.

Servicing of the banking product is free of charge, but the possibility of issuing an additional card is not provided.

It is possible to pay for goods and services from a card account only in the Russian Federation. At the same time, any transactions within Sberbank (payments, transfers to the accounts of other Sberbank clients, payments for purchases via Internet banking) are carried out without charging commission fees.

You can quickly receive up-to-date information about the status of your assets using the SMS notification service. There is no subscription fee for the first two months of use. Then the client has the right to choose the tariff plan he needs: economy or full. The first one has limited functionality, but is free. The second will cost the user 30 rubles per month, providing unlimited opportunities for collecting account data.

Procedure for applying for a pension card

To apply for a pension card, you must personally visit a Sberbank branch. The employee will need to present a Russian civil passport and pension certificate. He will invite the client to fill out the appropriate application and answer all questions that arise.

After signing all the necessary documents, a personal account will be opened in the client’s name. And within a few days, a plastic card was issued, the account of which will be linked to the personal one. A certificate is attached to the finished product, which indicates the details of the card and personal accounts, login and password for entering your personal online banking account and PIN code for the card. In the future, it is recommended to change all personal data to prevent fraud.

You will also need to visit a Pension Fund branch to fill out an application to transfer the due payments to a card account. Then the pension will be stored on the Sberbank card and generate regular income. The Pension Fund also needs to provide certified copies of your passport, pension certificate and open bank account details.

It is important to carry out all these procedures in advance, since registering all transactions takes several days. If the appointed date for receiving a pension falls during the registration period, then only the next one will be credited to the card. So you will have to receive current payments the old fashioned way.

Features of calculating interest on the balance

Many users of pension cards are interested in the question of how much interest is charged on the amount of funds stored in the account. Sberbank set the interest rate at 3.5%.

This offer is available to citizens who have received a pension upon reaching the required age. The possibility of saving for social pensioners is not provided.

Until July 2017, various types of banking products were offered for registration. The pensioner could be issued a Maestro, Visa or Master Card pension card. The interest calculation service and interest rate were the same for each type.

Since July 2017, Sberbank has been issuing cards serviced by the national payment system MIR. At the same time, owners of Maestro, Visa or Master Card cards whose validity has not yet expired can use them freely. At the end of the term, they will be re-issued with a new type.

Interest is accrued at the end of each quarter, starting from the date of opening the card account. The more funds are stored in the account at the time of settlement, the more income the plastic holder will receive.

You can check whether interest is accruing on an open card account in your Sberbank personal account online, using an SMS request, or from an operator by calling the hotline 8800-555-55-50.

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Sberbank's pension program allows pensioners not only to facilitate the procedure for receiving required payments from the state, but also to receive passive income. Having a card will save its owner from the need to personally visit bank or post office branches, and the accrual of interest on the account balance will make storing funds on the card profitable. A pleasant addition to the functionality of the card is the opportunity to use the privileges of bonus programs and discount offers from Sberbank partners.

Sberbank of Russia has a lot of debit cards, but even status cards cannot boast of the opportunities that are provided to owners of the “Social” Maestro plastic card. This is the best option for enrolling and maintaining a pension/benefits with the possibility of accruing interest on the account balance. You can use your card to pay in stores, make purchases online, etc. We'll talk about it today.

Cost of servicing the “Social” card

To receive such plastic, the client must come to a branch of Sberbank of Russia with a passport and write a corresponding application for issue. If the card is needed to transfer an old-age pension, then you must provide a pension certificate. In this case, interest will be charged on the account balance for greater profitability.

Release and maintenance Sberbank social debit card absolutely free, valid for 3 years. But if you want to get additional plastic, you will have to pay, albeit a little.

Reissue due to expiration will be free of charge.

As for the cost of other operations (balance request, account statement, etc.), they are all also free.

But for an unauthorized overdraft, a penalty is charged in the amount of 40% per annum of the minus.

Internet banking when receiving a Sberbank Social Card

All owners of the bank's debit cards can connect to the Sberbank Online and Mobile Bank systems.

To connect to Internet banking, the owner of the plastic card must receive a temporary login and password for authorization in the system. The easiest way to get it is at a Sberbank ATM/PVN by selecting the appropriate tabs in the menu.

Here I would like to immediately note that logging into the Internet bank without connecting to Mobile Bank is impossible. Therefore, the first thing you need to do is connect it. The client has 2 tariffs to choose from: “Full” and “Economy”.

In the first case, when performing any transaction on the card (deposit, debit, payment, 3D-Secure), you will receive SMS messages with detailed information, and the cost of monthly service will be minimal.

The “Economy” package is free, but you will not receive SMS messages about transactions, but you will receive messages with 3D Secure codes required to log into the Internet bank and make transactions there.

When you first log into Sberbank Online, you need to change your login and password by creating new ones. All transactions made via the Internet are confirmed using a five-digit 3D-Secure code that is sent to your phone. It must be entered in the appropriate field and only after that the operation will be successful. Through Sberbank Internet banking you can make any payments (housing and communal services, Internet, telephony, taxes, fines, etc.)

Cash withdrawal fee

To begin with, it is worth mentioning that the “Social” card is intended for making transactions only at Sberbank ATMs. Third-party terminals simply will not accept it.

Accordingly, any transactions for debiting and crediting funds at Sber ATMs, branches and cash desks will be free.

Transfer to the “Social” card - where can I find the details?

The plastic number is located on its front side and consists of 16 or 18 digits. Knowing the combination of these numbers, you can top up your card at an ATM or bank branch. If you need to find out the account number to which the card is attached, you can call the Sberbank hotline at the toll-free number - 88005555550. Here you will need to answer some questions, provide a code word or other personal information. This is necessary to identify the client. You can also check your account number in Internet Banking.

If you need to find out the TIN, BIC or other bank details, you can view them in the “About the Bank” tab on the main page of the official website on the Internet.

Cashback and interest on account balance

Pensioners who own a Sberbank Social Card are entitled to accrue interest on the balance. Other holders of this card who receive benefits, disability pension, etc., do not accrue interest on the balance.

As for cashback, there is none. However, each owner can activate the “Thank you from Sberbank” bonus program. You can become a participant in the program for free by connecting to the service through an ATM or online banking. According to the terms, a “THANK YOU” bonus in the form of 0.5% of the amount is credited to a special account for all card transactions made in stores. One bonus point is equal to 1 ruble. Points from your bonus account can be spent on purchases at partner stores.

Disadvantages of a Sberbank debit card

U "Social" debit card of Sberbank there is only 1 significant drawback - it does not work at ATMs of third-party banks. This means that if suddenly Sber ATMs stop working in your city (fantasy, but still), you will not be able to withdraw money. Otherwise, the card has only advantages. Judge for yourself: free issue and maintenance, all operations without commission, and the capabilities are the same as a regular debit card from any other bank.

The Maestro social card is an entry-level card and, by issuing it, Sberbank sought to increase the number of its clients and gradually attract citizens of retirement age to use bank cards, thereby covering a new, fairly wide segment of the population. It is simple and easy to use, despite the fact that it has some limitations.

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It should be noted that social cards for the population were developed and issued by Sberbank for the following purposes:

• reduce queues at Sberbank cash desks (many payments can be made through ATMs or via the Internet);
• improve the quality of service to the population in , creating comfortable conditions for clients and reducing their time spent on solving financial issues;
• reduce additional financial costs for issuing and servicing savings books, the relevance of which is gradually decreasing.

Features of Sberbank social cards

Social cards are not much different from other debit cards issued by Sberbank. However, each banking product has its own advantages and disadvantages.

Maestro plastic cards provide the following features:

1. It is possible both in cash and by non-cash method:
   • carrying cash through payment terminals or ATMs that have a cash acceptance function;
   • replenishing the card at a bank branch through an employee (to do this, you need to give the card number and provide a passport or give the account number and details of the territorial branch of the Bank where the card was issued);
   • replenishing the card by cashless transfer from another debit card of Sberbank or a third-party credit organization (using services, SMS system or through ATMs and payment terminals).
2. you can withdraw cash from your card at Sberbank ATMs without commission;
3. You can make cashless payments in various stores, establishments, through ATMs or terminals;
4. you can carry out various monetary transactions through your phone using mobile applications;
5. you can activate the “” service, which will allow you to automatically make timely monthly payments for utilities, telephone, Internet, and pay loans;
6. the connected “ ” service makes it possible to monitor all card transactions via SMS notifications that will be sent to your phone number;
7. the card is serviced outside the Russian Federation in subsidiary banks in countries such as Ukraine, Belarus, Kazakhstan, Turkey, Switzerland and others.

The Sberbank-Maestro “Social” card can be obtained by citizens who receive a pension upon reaching the appropriate age, either due to the loss of a breadwinner, or due to disability and who have permanent registration in the Russian Federation.

Sequencing:

1. Contact any nearest Sberbank branch with a passport and a document confirming receipt of a pension.
2. Write and sign an application in the established form for a social card (bank employees will definitely help you fill out the application correctly).
3. The card is issued within 10 days after the bank makes a positive decision on the possibility of issuing it. You must pick up the card on the appointed day.
4. After receiving, you need to contact the Pension Fund at the place of registration and write a corresponding statement that you want to receive your pension on a Sberbank social card, indicating the necessary card details.

Poll: are you satisfied with the quality of services provided by Sberbank in general?

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Advantages of the card

• Card service is free;
• Increased interest is charged on the balance of funds on the card in the amount of 3.5% per annum. Enrollment is made every three months;
• the possibility of issuing additional cards, including a children's card from Sberbank, which is issued to children from the age of 7 with parental permission;
• the ability to manage your balance via the Internet using the Sberbank-Online system;
• discounts and special offers from the MasterCard system, which gives savings of up to 12% when purchasing necessary goods;
• cash withdrawals in Russia and at ATMs of subsidiary banks under the same conditions;
• the opportunity to participate in the bonus program (10% of purchases made with the card are returned to the account in the form of bonus points that can be spent on new purchases);
• the ability to connect to the “Autopayment” service for automated payment for housing and communal services, replenishment of a mobile phone and Internet account.

Tariffs for servicing pension cards

• servicing the main card is free;
• additional card service – 150 rubles per year;
• re-issue upon expiration of the term - free of charge;
• commission due to loss or misplacement of the PIN code - 30 rubles;
• daily limit on cash withdrawals at cash desks or ATMs – 50 thousand rubles;
• monthly cash withdrawal limit – 500,000 rubles (for cash withdrawals above the limit, a commission of 0.5% is charged);

Disadvantages of a pension card from Sberbank

The Maestro social card has some limitations:

• it is serviced in Sberbank branches only on the territory of the Russian Federation (abroad, at ATMs of subsidiary banks, if they exist, you can only withdraw cash and nothing more);
• card transactions are carried out only in rubles;
• Only a pension is credited to a card of this type (even if a pensioner works, his salary cannot be credited to the specified social card);
• the social card is an entry-level card, so it does not have CVV2/CVC2 codes, and, accordingly, it cannot be used to pay for purchases on the Internet (but you can top up accounts and make transfers via the Internet);

This card is intended for pensioners, so the disadvantages described above are not as significant for them as for young people and middle-aged citizens. Many elderly people are unlikely to make purchases via the Internet, especially in other currencies, and besides, few of them continue to work. The main advantages of the card for pensioners are its free servicing, the accrual of interest on the balance at an increased rate, the ability to issue an additional card for relatives at reduced service rates, the ability to track card transactions through Mobile Banking and the ability to make cashless payments in stores. The card is issued easily and quickly, is valid for 3 years, and is serviced at reduced rates.

Sberbank is one of the few representatives of large Russian businesses that takes its social function seriously. It is not surprising that the bank’s specialists have developed such a popular product as MIR debit card from Sberbank for pensioners.

More about the card

The main feature of the card WORLD for pensioners, which Sberbank issues, are extremely favorable conditions provided to this social group of clients of the leader of the country's financial industry. This product is noticeably more attractive than similar offers from the vast majority of other banks.

Differences and key features

The most important differences between a debit card WORLD for pensioners, which Sberbank offers, are as follows:

• absolutely free production and maintenance of plastic. Moreover, re-issuance of a card after the expiration of the previous one also occurs without charging any fee;
• accrual of interest on the balance of funds placed on the card. Today this interest rate is 3.5% per annum;
• provision of preferential SMS client notification service. The first two months of notification are free, and then the monthly payment for using the service is only 30 rubles;
• extremely convenient procedure for receiving a pension. Funds are automatic and very quickly credited to the card balance immediately after they are transferred by the Pension Fund.

Photo No. 1. The most important features of the MIR pension card issued by Sberbank

Conditions for receiving and validity of the MIR pension card from Sberbank

In order to apply for a MIR pension plastic card, it is enough to fill out the appropriate application in one of three authorities located at the place of registration of the pensioner:

• PF department;
• Sberbank office;
• MFC branch.

When filling out and submitting the application, the pensioner will only need to provide two documents. The first of them must confirm the client’s identity, and the second – the right to receive a pension. In addition to the application, you will need to additionally fill out a Sberbank client questionnaire, the data of which is necessary to obtain a MIR pension card. The plastic is produced automatically, and the client is notified in advance of the possibility of receiving it. The standard card validity period is 5 years.

Cost of servicing a Sberbank MIR debit card for pensioners and tariffs

As noted above, the production and maintenance of the card in question is carried out by Sberbank free of charge. The only case when the client will have to pay, and only 30 rubles. – the need for early reissue of plastic in case of its loss or change in the user’s name.

Other most important tariffs offered by Sberbank to MIR pension card holders are as follows:

• There is no commission for replenishing plastic at the cash desk and ATMs of a financial institution;
• payment by card for any goods or services in non-cash form is also carried out without commission;
• cash withdrawal at the Sberbank cash desk or at one of its ATMs up to 50 thousand rubles. per day and 0.5 million rubles. per month is also completely free. If the specified limits are exceeded, the commission is 0.5%;
• Cash withdrawals from cash desks and ATMs of third-party financial institutions incur a 1% commission.

Photo No. 2. Tariffs offered by Sberbank for the MIR social card

How to apply for and receive a social card?

Simple and convenient procedure for obtaining a pension card WORLD, which is often also called social, was described above.

It is important to note that today’s domestic legislation provides for the possibility of receiving pensions exclusively on cards of the national payment system WORLD.

This can be plastic from Sberbank or other credit institutions in the country.

Refusal of the MIR card to receive a pension

However, if the pensioner does not want to receive the funds due to him on a bank card WORLD he has the right to write a corresponding statement to the Pension Fund of the Russian Federation. At the same time, he does not have the opportunity to apply for receiving a pension on cards of other payment systems, so the issuance of money will be carried out in the classical way exclusively in cash.

Advantages and disadvantages

The main advantages of the MIR pension card from Sberbank are two factors: free production and maintenance, as well as the accrual of interest on the account balance. In addition, do not forget about the low rates for SMS notifications and cash withdrawals, which makes using the card more convenient and profitable for customers.

The disadvantages of plastic WORLD for pensioners issued by Sberbank, it should be attributed to the impossibility of opening a foreign currency account. In addition, today not every payment terminal supports the system WORLD, which may cause certain difficulties during service in some retail outlets.

Photo No. 3. Most of the pros and cons of the Sberbank pension card are associated with the use of the MIR system

Constant queues at the bank and post office, as well as other restrictions, are increasingly pushing pensioners to change the way they receive money to a more modern one. The simplest and most convenient solution in this case is a debit card.

With its help, you can withdraw cash from an ATM without queues and at any convenient time. Also, when using non-cash payments, it is also possible to receive additional bonuses according to the terms of the loyalty program.

With all the variety of banks and their products, it can be quite difficult to decide. The optimal choice would be a Sberbank pension card. Using the product is not only convenient, but also profitable. The use of this plastic can make life easier for even the most conservative elderly people.

What are bank cards?

A bank card is a means of payment that provides access to funds in a current account. It is a kind of key for quick access to finance without going to the bank.

Most often it is used for:

• carrying out non-cash payments;
• making payments via the Internet;
• transfers between individuals;
• cashing out funds.

Pension cards have additional privileges and opportunities. Some of them support: special bonus programs, cash back (return of part of the money spent to the account), etc.

In general, all cards are divided into the following groups:

• (only your own funds can be used);
• credit (allow you to use bank money according to the established limit);
• overdraft (allow you to use both your own finances and the bank’s funds).

Benefits of a pension card

To receive a pension, you can use a card from any bank, provided that it is a debit card. Cards with an attached credit limit or overdraft cannot be used to accrue any social benefits.

However, a reasonable decision would be to give preference to special offers for pensioners. Such cards have free annual maintenance, and the conditions for using the product for pensioners are also much more favorable than for ordinary people.

Sberbank pension card

The country's largest bank offers its clients who wish to receive pension and social benefits a special product. This is a Sberbank card for Maestro pensioners, which has special conditions of use.

The product belongs to the MasterCard payment system, or more precisely, to a separate Maestro service. You can use this means of payment at any terminal that has a designation corresponding to the payment system.

The pension card is currently available in two design variations. The first is plastic containing an image of daisies against a green field. In addition, the bank recently launched cards with a new design. The plastic depicts a birch branch with birds sitting on it.

Choosing such a large bank has a number of advantages for clients. Firstly, Sberbank has a wide network of ATMs, terminals and branches. Consequently, withdrawing cash and resolving any issues will not be complicated by finding a branch.

Secondly, the number of Sberbank users is partly due to the ability to make free and fast transfers between accounts.

Thirdly, Sberbank is a reliable and safe bank, with which you don’t have to worry about possible license revocation or bankruptcy.

Conditions of receipt

The Sberbank Maestro card is issued without any particular difficulties. To submit an application, you do not need to collect a large package of documents or provide a certificate in form 2-NDFL.

The main conditions are:

1. Having Russian citizenship. Registration is also available to stateless persons, provided that they have the legal right to receive pension payments.
2. Availability of registration at the place of residence. In this case, both permanent and temporary registration on the territory of any subject of the Russian Federation is suitable.

Sberbank cards for pensioners are opened upon provision of a number of documents. These include:

• Passport of a citizen of the Russian Federation or a document replacing it (passport of a foreign citizen, passport of a stateless person).
• Document confirming pensioner status. In this case, the most common type is a pension certificate.
• Application for receipt. It is filled out together with a bank employee during a visit to the branch.

It should be noted that the card can be issued and received at any Sberbank branch. In addition, it is possible to submit an application at one branch and pick up the finished plastic at any other branch in the region.

In order for the pension to be credited to the account attached to the plastic card, you must contact the Pension Fund with the details of this product.

Based on the application, employees will make appropriate changes to the procedure for accruing funds. Usually the next payment goes to the card account, instead of the usual Savings Book or post office.

Additional benefits of pension cards

The Sberbank social card for pensioners not only provides the opportunity to withdraw cash from an ATM and make non-cash payments, but also has a number of additional advantages.

Let us list the most significant benefits and advantages of the design of this product:

1. Free registration and no annual maintenance fee. The bank provides a means of payment absolutely free of charge and without hidden fees. The only thing an employee can offer is card account insurance. This service is paid and not mandatory. Imposing it on a pensioner goes against current legislation.
2. Involves the accrual of interest on the cash balance. The current rate is now 3.5% per annum. This is significantly lower than the deposit rate, but higher than the charges on classic cards for individuals. once a quarter.
3. The main owner can set a monthly limit on available finance for the holder of an additional means of payment.
4. Free access to the Sberbank Online Internet banking system. The personal account is designed easily and clearly, even for those who have never encountered such systems. A wide range of possibilities allows you to perform many operations without leaving your own home. You can make transfers, pay utility bills, open deposits, pay taxes - all this and much more can be done using Sberbank Online. To gain access to your account, you must take a password when using any ATM or terminal.
5. Mobile bank. There is a fee to use this service. The monthly cost of the service is 30 rubles. Mobile banking provides detailed information about all transactions on the account. It is a reliable means of control and a method of additional protection. However, if you don’t want to pay for it, you can use the free version. The “Economy” package does not involve sending SMS about changes in the card balance, but supports the receipt of codes to enter your personal account, where the balance can be tracked manually.
6. Bonus program “Thank you”. All Sberbank cards take part in it. In order to become a participant in the program, you must activate the service in the terminal. With the Mobile Bank service in effect, you can send a message to number 900 with the word “Thank you.” The connection is also available in Sberbank Online, in the “Thanks from Sberbank” section. The client will receive bonus points for every purchase using non-cash payment. You can spend them at partner stores. One point is equal to one ruble.
7. Receive cash in some countries without additional commission. We are talking about withdrawing money from ATMs of subsidiary branches. Similar opportunities are available in Kazakhstan, Ukraine, Belarus, the Czech Republic and some other European countries (the full list can be viewed on the bank’s official website).
8. Activation of the "Autopayment" service. Allows you to set up automatic regular payment of utility bills, taxes, fines, loans, etc. Provided free of charge. Funds are debited independently, checks can then be printed. Allows you to control transfers in favor of mobile operators. It is possible to set payment for a room when the balance drops below a certain threshold or at a selected frequency.

Disadvantages that it is better to know about in advance

The Maestro pension card issued by Sberbank has a number of restrictions related to its status. They should be taken into account when selecting a suitable banking product:

1. It is not always possible to use the Internet to pay bills. Classic Visa and MasterCard cards have a number consisting of 16 digits. Plastic linked to the Maestro service, has 18 characters. This may limit the work with a number of resources that provide non-cash payments online. However, in this case, you can make a transfer through Internet banking.
2. Limited use abroad. When leaving the territory of Russia, in some cases plastic becomes useless. This is also due to the peculiarities of the payment system.
3. It is impossible to activate an overdraft. If there is a need for additional cash, you will not be able to borrow it from the bank. Only the use of your own funds is supported.
4. Registration is available only in rubles. It is not possible to open an account in euros or dollars for social benefits. If you require a foreign currency account, you will have to make a separate plastic account.
5. Salaries cannot be credited to this account. It is also impossible to use it within the framework of a salary contract.
6. Does not support 3D-secure technology. It represents the receipt of a special code on a mobile phone number when attempting to pay by bank transfer.

Precautionary measures

Many pensioners believe that using cards is more dangerous than using cash. However, it is not. If lost, plastic can easily be blocked without financial risk, unlike a wallet. It is important to follow the following rules:

• Do not tell your PIN code to anyone, do not write it down and do not carry it with your card;
• do not trust people who call and introduce themselves as bank employees;
• do not leave plastic unattended;
• do not enter data on unfamiliar or suspicious sites;
• cover the buttons with your hand when entering the PIN code, even if no one is nearby.

Choosing the right means of receiving your pension is a guarantee of security and convenience. Using modern banking products frees up time and energy for truly important things. A competent bank specialist will be able to select the appropriate option and give recommendations for use.