Is it worth transferring your pension to the world map? Social card world for pensioners from Sberbank

The bulk of elderly Russian citizens receive their required pension payments to a bank account or by mail. Those individuals who chose a plastic card as an option for receiving a pension until recently used Visa and MasterCard payment systems. However, after international sanctions imposed on the Russian Federation, these types of reservoir products were under the threat of blocking. Thus, in 2014, the Federal Reserve froze operations in Crimea and Sevastopol. The current situation prompted the Central Bank of Russia to develop its own payment system for budget and social payments called “Mir”.

According to Federal Law No. 161-FZ of June 27, 2011 “On the State Payment System,” all financial organizations in the country are required to support the MIR system, and from 2018, use it to make payments to budget employees and pensioners.

What is the MIR card?

The MIR debit card, issued by Sberbank of Russia specifically for pensioners, is a unique plastic product with a globe-shaped logo and a signature blue coloring. The functioning of this card on the territory of the state is regulated by Federal Law No. 2300-1 as amended on July 3, 2016, according to which the country's financial institutions must ensure the processing of plastic in all retail outlets of the Russian Federation, as well as their acceptance in the ATM network of Russian banks.

The following types of Mir cards from Sberbank are currently issued:

• Pension – intended for elderly people who regularly receive their required pension payments.
• Classic debit - for calculating salaries of budget employees (similar to the Visa Classic and MasterСard payment systems).
• Both types support exclusively domestic currency - the Russian ruble, and the card's service life is limited to three years from the date of issue.

Conditions

The Sberbank MIR plastic card for pensioners is presented under the following conditions:

• currency – Russian rubles;
• validity period – 36 months;
• accrual of 3.5% per annum on the card balance;
• service cost – 0 rubles;
• a preferential Mobile Bank is provided under the following conditions: the first 60 calendar days are free, then 30 rubles. per month, % on balance;
• electronic chip protection is in effect;
• additional bonus “Thank you from Sberbank”.

For now, it is only possible to withdraw money from a Mir pension card at Sberbank ATMs. There is no fee for withdrawing funds.

Who can apply for a MIR card?

Today, all interested individuals who meet the following requirements can apply for a MIR card:

• age of majority;
• availability of Russian citizenship or the right to receive a pension for stateless persons;
• permanent or temporary registration at the place of residence in Russia.

To receive a card, the client must contact the nearest office of the financial company with two main documents: a personal passport and a certificate confirming the right to receive pension payments. Next, in the presence of a representative of the organization, you should fill out the proposed application form.

The issuance of the card lasts no more than 3 days, but it will arrive at the company’s branch within a week, about which the client will be notified via SMS notification to the phone number left in the application. After this, at a convenient time, the client can come to the bank and pick up his card.

Maintenance cost

The MIR pension product is issued and serviced free of charge. There is also no fee for card servicing at Sberbank ATMs. As for the debit option, the following tariffs exist for it:

• for the first year of service - 750 rubles;
• for the second and subsequent ones - 450 rubles;
• reissue in case of loss – 150 rubles;
• issuing an amount not exceeding the daily limit at the organization’s office is free, above the established limit is 0.5%;
• issuance of funds in other structures – 1% (not less than 150 rubles)
• Withdrawing money from Sberbank ATMs is not charged, in other banks - 1% (minimum 100 rubles).

Also, for the debit option there is a daily limit of 150,000, and a monthly limit of 1,500,000.

Pros and cons of the world card for pensioners

The World card from Sberbank for pensioners has both its pros and cons. Its advantages include:

• reliability - plastic is not subject to the influence of the Federal Reserve System and cannot be blocked upon request from the outside;
• security – protection by a chip from the domestic manufacturer “Mir-Maestro”;
• price – issue and service are free for pensioners, for other citizens – the cost is not significant;
• wide application - in Russia there is a wide network for receiving this type of plastic, including in the Crimea.

As for the disadvantages, two main disadvantages should be noted here - the inability to use the card abroad and long queues at the company’s offices when receiving this plastic product.

How to refuse?

If a pensioner wishes to receive his payments in cash or to a bank account, then according to the law, he must be given this opportunity. Moreover, in the case when the user has already received plastic, he has the right to refuse it at any time. This can be done at the nearest Sberbank branch by writing an application to refuse the Mir card. All that the applicant must have with him is a personal passport document, a pension certificate and the plastic product itself.

Is it possible to get an online loan on a MIR card?

Today, you can get a small loan online in various ways, but transferring borrowed funds directly to the card is the most convenient, since the loan is received instantly.

Holders of MIR plastic products from Sberbank today can receive a loan directly to the card. For example, MFO "Turbozaim", part of the Bystrodengi group of companies, has been crediting funds to the MIR card since January 2017. You can complete your application online by clicking “Continue”.

Economist. More than 15 years of experience in finance. Date: February 12, 2018. Reading time 9 min.

The MIR social card from Sberbank is a national means of payment that can be used without obstacles or restrictions throughout Russia. Everything about how to apply, how much the service will cost and what restrictions there are.

Until recently, the main payment systems in Russia that were tied to plastic were foreign VISA and MasterCard. But in 2014, due to the political situation, citizens living in Crimea were left without the opportunity to use international means of payment. Then the Government of the Russian Federation decided to create its own payment system, which would not be inferior in security and quality of services to those currently on the market, and would not depend on external influences. In 2015, the Central Bank announced that now in a number of banks, including the largest Post Bank and Sberbank, the MIR card for pensioners and employees of budgetary organizations is already available for order.

For reference! The operator of the MIR payment system is the Joint Stock Company National Payment Card System, which is wholly owned by the Central Bank of the Russian Federation. The company has no private or other external shareholders.

What is the MIR card from Sberbank for pensioners

Pensioners belong to the category of citizens who directly depend on the timely and full receipt of government payments. To ensure their uninterrupted enrollment, MIR cards were developed. The functionality of the payment instrument is not inferior in its range to foreign systems: with the help of plastic, you can perform any financial transactions necessary for the consumer.

The procedure for using the card can be found in. The current document is posted on the Bank's website.

Types of produced plastic

The MIR social card from Sberbank is a standard level product and can only be used as a debit card. There are only 3 levels:

• Debit – used to transfer pensions and salaries of employees of budgetary organizations;
• Classic – is issued privately upon the client’s request to the bank and has affordable rates;
• Premium – a product for clients who value status, usually provided with a package of additional options and loyalty programs.

At this stage, Sberbank issues cards: Debit for pensioners, Debit for state employees and Classic MIR (on the terms of debit use).

Important! Previously, social plastic instruments issued to pensioners belonged to the payment systemMasterCardand were of the Maestro Momentum level. According to the Federal Law “On the National Payment System” with the latest amendments until July 1, 2020, all pensioners must be transferred to MIR cards. From 05/01/2017, applications are accepted only for this payment system, and cards that are about to expire are automatically reissued on MIR.

Advantages and disadvantages

The World social card for pensioners, issued on behalf of Sberbank, has, like any other banking product, its positive and negative sides.

For reference! The main difference between the card and the issued onesVISAAndMasterCardis the safety of use in the event of increased sanctions and action throughout the Russian Federation.

Clear advantages over analogues of international systems:

• there is no need to use cash, which increases security when receiving a pension;
• free release and maintenance of plastic;
• low tariffs for additional services;
• free withdrawal of funds in the Sberbank network, subject to compliance with limits;
• operates throughout the Russian Federation, including the Republic of Crimea, where international systems stopped operating back in 2014;
• You don’t have to worry about your funds in case sanctions tighten and international companies leave the Russian market.

Characteristic disadvantages:

• The pension card is issued only at the standard level;
• mode of use – debit, it is impossible to set a credit limit;
• not all terminals and ATMs at this stage support working with the payment system;
• no contactless payment;
• It is impossible to use plastic for some payments on the Internet;
• valid only on the territory of the Russian Federation.

All technical deficiencies are planned to be eliminated by mid-2018; the operator states that contactless payments are already being tested and co-badging agreements are being concluded.

For reference! The issuance of plastic using a co-badging system (as part of cooperation with an international payment system, plastic will be linked to 2 PS at the same time) will allow it to be used as an internal tool in the Russian Federation, and when traveling abroad, the card will be displayed under the payment system that has signed the cooperation agreement, and it will be possible to pay with it.

You can find out how to use cards to pay for purchases on the Internet.

Tariffs and conditions

All banking products for vulnerable segments of the population provide preferential conditions and tariff schedules; a social card for pensioners from Sberbank and PS MIR was no exception.

Tab. 1. Tariffs for pensioners from Sberbank

A more detailed version of the tariffs can be found. Current as of February 10, 2018, it is convenient to follow updates on the bank’s website.

How to get a MIR pensioner card

If you previously did not have a pension account with Sberbank and the client was serviced by another financial institution or did not have the right to receive a pension, then you must submit documents in one of the following ways:

1. Take your passport and SNILS to a Bank branch to order a card.
2. Fill out an application to receive it through the website.

When registering, you will need to fill out a form for transfer to the Pension Fund, the form will be provided at the Bank branch and sent to the institution without the participation of the pensioner; this is necessary so that the Pension Fund of the Russian Federation can transfer the money to the desired account.

Attention! Holders of previously issued Maestro Momentum cards have the right, without waiting for the expiration date, to independently switch to plastic from the MIR payment system by submitting an application for reissue at the bank.

How to submit data online

On the first page of the online application you will need to enter the pensioner’s personal data: full name, phone number and email, the system will automatically generate the holder’s name for printing on plastic.

After entering the data, you need to click “Next” to the next application screen. Where you will need to indicate your date of birth, passport details and region of birth.

This completes filling in the data; in the next window, the client must check that his data is correct. If everything is entered correctly, the verification code is entered and the application is sent to the main office of the company, where the plastic card is produced. The client receives an information message stating that the data has been accepted for processing, and an SMS notification will be sent about the fact that the plastic is ready.

Important! A pensioner has the right to refuse a MIR card and receive a pension in hand through a Russian Post office. Federal law does not make receiving such plastic mandatory.

Mobile bank

Pensioners who use MIR plastic cards to receive a pension, as well as when using other card products, can use the Mobile Bank service. The functionality of the service without the use of SMS information is provided free of charge. The package with SMS provision is free of charge for the first 2 months, after which the client is charged a monthly fee of 30 rubles/month.

Mobile Bank allows clients to:

• carry out translations;
• control card balances;
• receive a statement reflecting all account transactions for a specified period;
• confirm operations that require additional security measures;
• pay for utilities and other services;
• when using SMS notifications, instantly receive data on the fact of crediting and debiting funds.

To use, you can install a special bank application, valid for smartphones on all popular operating systems.

Offers from other banks on social card products for pensioners

Since from May 1, 2017, banks are required to issue only plastic from PS MIR to pensioners, there are no offers to order other cards, and companies can compete only in tariffs and the procedure for using accounts and services.

Tab. 2. Comparison with competitors

To meet basic needs for timely and full receipt of pension payments, a bank card from Sberbank and the MIR Payment System is sufficient. Services allow you not only to receive and withdraw funds, but also to spend them on payment for goods and services in the terminal network. By the end of 2018, it is planned to expand the functionality of the cards and increase the ease and accessibility of their use. Sberbank has already begun testing a contactless payment system using it, as well as providing services for online purchases.

Higher education. Orenburg State University (specialization: economics and management of heavy engineering enterprises).
February 12, 2018.

Now many pensioners are being encouraged to switch to the “MIR” card and receive a pension only on it. They are afraid that pensions will not be transferred to other cards. Is it true? Is it true that a pension can now only be received on a national card? Read the answers below.

What is the “MIR” card

The Mir card is a card of the Russian national payment system, which appeared in 2014, when there was a threat of shutting down international payment systems in Russia. NSPK (National Payment Card System) is a guarantee of the financial independence of the Russian Federation. It allows Russians to receive card services regardless of external factors. Source: AIF.

Is it true that you can only receive a pension on a “MIR” card?

No that's not true. Let's explain why.

There is article 30.5 “On the national payment system.” Part 5.3 of this article, indeed, provides for a phased transition to the “WORLD” card. This applies to those who receive salaries or other social benefits from the state budget.

A pension is a state social benefit. And for pensions and other social benefits. payments transferred by the Pension Fund have their own deadline for transferring to MIR cards. The transitional provisions are:

• a pensioner has the right to receive a pension and other social benefits from the Pension Fund of the Russian Federation on any bank card while it is valid (in particular, on VISA and Mastercard);
• when the validity period of the bank card has come to an end, you can continue receiving pensions and other social benefits from the Pension Fund only on the “MIR” card;
• from July 1, 2020, all (without exception) pensioners must receive pensions and social payments through the Pension Fund only on MIR cards.

Thus, do not be surprised if your card has expired, and representatives of the Pension Fund of the Russian Federation say that they can continue paying pensions only to the “MIR” card. Thus, they comply with the provisions of Article 30.5 Federal Law of June 27, 2011 No. 161-FZ“On the national payment system.”

No one has the right to force you to transfer your pension to the MIR card before the expiration of your card (VISA and Mastercard). Until July 1, 2020, it is possible to receive a pension on these cards.

What are the advantages of the MIR card?

If you are a pensioner and plan to receive a “Mir” card to credit your pension to it, servicing the card will be free for you (clause 1, part 5, clause 4, part 5.5, article 30.5 of the Law of June 27, 2011 No. 161-FZ) . Otherwise, it is a regular bank card with standard functionality.

Elderly people often face problems when receiving pensions. This means standing in lines for a long time, waiting for postal workers, and the need to carry cash. The MIR card for pensioners will save them from such problems, ensuring the safety of their funds.

What kind of card is this

This card is considered one of the ways to transfer pension benefits to pensioners. When you use the card, the money is transferred to it automatically; no commissions are charged. They can be withdrawn free of charge at payment terminals at a time convenient for the owners.

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Thus, the MIR card is a regular bank card designed for receiving money transfers - in this case, pension ones.

What is the purpose of its creation

In the context of the development of global payment systems, such as Visa or Mastercard, the feasibility of its creation is determined by the need to ensure uninterrupted payments and other banking operations in any economic and political situation in the world.

This conclusion was made based on the consequences of the sanctions imposed by the United States after the Crimean referendum. The United States implemented sanctions according to which the VISA and Mascercard systems blocked non-cash payments for some Russian banks. Then, in March 2014, the president of our country supported the idea of ​​​​creating a Russian national payment system.

The WORLD card, like others, functions within the framework of its validity. It guarantees continuity and increases the convenience of receiving pensions. The cards are designed for, since they are considered state employees. And guaranteeing the reliability and timeliness of payments for public sector employees is considered an urgent task of the state.

What is the difference from other payment systems

The MIR system operates in full compliance with Russian and international standards. But there are several features that distinguish it from others:

• low maintenance costs;
• a current loyalty program - it makes it possible to receive bonuses by taking advantage of the most acceptable offers from stores and brands that take part in the project;
• autonomous operation, providing independence from foreign payment systems;
• availability of options for joining programs of social significance;
• orientation of the tariff system of the card to the needs of ordinary Russians;

In addition to the pension card, several other types of MIR cards are issued:

• debit;
• salary;
• social;
• credit

Is a MIR card required for pensioners?

This card is not required to receive a pension. But if they want to receive it on a card account, pensioners will have no other choice. Valid today.

The law applies to all payments made for the purposes of:

• monetary support;
• issuing salaries to government employees;
• employees of municipal institutions;
• transfer of pensions and scholarships.

From July 1, 2020, the means of payment in question is already issued to everyone who applies to banking institutions with a request to open an account to receive payments from the state. Current budget users will need to apply for it before July 1, 2020.

However, This rule does not apply to pensioners. They need to switch to using it before 07/01/2020. This category of clients is entitled to free card service.

From this date, funds that will be transferred to a bank account will be considered by banking institutions as amounts of money "unexplained purpose", if the account is not linked to the MIR system. This is stated in the draft instructions of the Central Bank.

Having received them, the bank is obliged to inform the client and offer three options:

1. Open an account in the MIR system.
2. Create an account without being linked to any card.
3. Receive your earned pension in cash.

The mentioned Federal Law No. 161 obliges all banks that have a serious influence on the payment services market to connect to the system in question. They've mostly already done that. In addition, there remains a human right. The law does not apply to single payments or transfers.

Conditions, procedure and terms of funds transfer

As mentioned above, Russian pensioners will have to switch to using these cards by July 1, 2020. The transition began on July 1. 2020 During this three-year period, current pension recipients will exchange their existing plastic payment cards for new ones. Payments to newly received cards will be made using the current Mir payment system.

In order to receive a pension on a card, they should go to a bank branch and write an application containing a request to issue a card and transfer their dues to it. Opening and servicing the card is free of charge.

What will change: pros and cons

The released product has retained all the strengths of its predecessors. People who switch to the MIR card will appreciate the following benefits:

1. Convenient payment for popular or common services.
2. The ability to accumulate bonuses using the “Thank You” system offered by Sberbank.
3. Making fund transfers using ATMs or online services.
4. Application of services from Sberbank: Piggy Bank, Mobile Bank. In addition, cards are used for transactions in the Sberbank online system.
5. Convenience when paying for goods and services at retail outlets or online services operating throughout the country.
6. Free service.
7. Transfer of interest to a card account.
8. Possible creation of a universal social card. The information needed to determine the pensioner’s identity will be transferred to its chip. He will be able to show it for discounted travel on public transport.

However, the system has some shortcomings due to its novelty:

• limited space use by the territory of the Russian Federation;
• difficulties with updating software in stores that have extended the preparation time for receiving MIR;
• requirement to open a special account when issuing a card;
• significant expenditure of time and effort on standing in queues at Sberbank offices.

Despite all the problems, payments of pensions and various benefits will be made on time and even more quickly.

Accrual of interest on the pension balance on the card

Some banks working with the MIR system strive to interest clients in the possibility of savings by charging interest on the funds remaining on the card account. Different banks offer different rates.

So, for example, if Rosselkhozbank does not charge interest, then Sberbank offers 3.5%, and a similar rate from the Russian National Commercial Bank for clients from Crimea is 4.5%. Other banking institutions calculate interest based on the rates applied in pre-existing card products.

Interest rates on a pension card are typically more significant than rates on similar types of bank cards.

Where can you pay with a MIR card?

The payment instrument in question has a wide range of applications. It was stated above that you can pay with it in regular stores and online. Besides with its help they pay for goods and services in the following ways:

• depositing funds at bank ATMs;
• by using a mobile application;
• carrying out contactless transactions;

MIR is accepted at the checkout counters of such well-known retail chains in the CIS countries as:

• Auchan;
• Sportsmaster;
• McDonald's;
• Lukoil and many others.

In addition, it is possible to pay abroad. To do this, we need cards issued by Russian banks with the participation of global payment systems. For example, cards were issued "MIR-Maestro" and others.

Cost of service and validity period of the MIR pension card from Sberbank

1. Product from Sberbank valid for three years.
2. Let us remind you that these cards serviced free of charge. On a paid basis, the owner of the means of payment is offered the Mobile Bank service with preferential conditions. For the first 2 months it is provided free of charge. Then you need to pay 30 rubles per month.

Widespread use, free issuance and servicing of cards, mandatory transition provided for by law, serve as strong arguments in their favor for people who are wondering whether they need to replace their old card with a new one.

How to receive and re-register

The Mir card is a new payment instrument issued as part of the nationalization of the banking system. It works similarly to the foreign “Maestro” and “Master Card”, but all transactions go through Russian banks. From July 2018, the state will issue social payments and pensions exclusively on these cards. Let's look at the main advantages and disadvantages of the "Mir" card for pensioners from Sberbank.

"Mir" is a completely domestic development. This card was issued due to the difficult economic situation in the country and the need to circumvent Western sanctions, which often affected bank accounts. It is assumed that Mir will completely replace foreign debit cards for public sector employees. And first of all, the transition to this means of payment occurs among pensioners and other preferential categories receiving social benefits.

The Mir card is exclusively a debit card. It is not intended for purchasing goods in installments or for lending. However, the card can be used like any other debit card: pay for purchases on the Internet and in stores, make transfers and top up your account. The card is also personalized.

One of the innovations is the one-touch payment function. When purchasing up to 1,000 rubles, you can pay for them simply by tapping them to a banking reader. An icon (similar to the Wi-Fi sign) will appear before payment.

The program for free replacement of other budget cards with the Mir card is valid until 2020. The project is being actively financed. After 2020, the use and issuance of cards will continue, but it is expected that card issuance will be free.

Advantages of the card

"Mir" is considered an innovative means of payment for benefit groups, as it allows you to quickly and easily manage money without using cash. The main advantage of the card is receiving pension and insurance payments on the day they are transferred to the account. There is no need to wait for your turn at the post office or Sberbank. On the day the funds are credited, you can simply go shopping or withdraw funds from the nearest Sberbank or issuing bank (in this case, a commission is possible).

The card allows you to pay for housing and communal services and communication services without additional commission. In this case, transfers can be made in one of two ways: at a Sberbank branch with an operator or through the Sberbank online application.

Another advantage of the card is its support for mobile banking. A Mira user can use the Sberbank website for free to manage their account. Using this service, you can pay for various utilities, transfer funds to another card, and control connected options. There is a more convenient app for smartphones.

For users who would like to simply receive notifications about the receipt and debiting of funds, there is an online banking service. On average, the cost of its use is 30 rubles per month. Prices may vary depending on the cardholder's cellular operator.

Using one-touch payment technology, you can pay for purchases as quickly as possible without wasting time entering a PIN code. This function is convenient for pensioners who, due to poor eyesight, find it difficult to constantly enter a PIN code.

Important. Operations for replenishing an account and debiting funds occur instantly, since all transactions are carried out by banks in Russia.

"Mir" is supported by some online companies. If an online store uses the Mir Accept protocol, then using the Mir card you can make purchases there. The availability of such a protocol must be checked with the site’s technical support.

3.5% is added annually to the balance on the card. Thus, “Mir” allows you not only to manage funds, but also to increase them.

Flaws

Despite the stated compatibility of the card with many online services for making purchases, payments through Mir are accepted only in a small list of companies. We can assume that this is a temporary drawback, since Mir developers are just beginning to sign agreements to implement Mir Accept technology on online services. However, it is unlikely that this shortcoming will be corrected in the few months that remain before the mandatory transition to Mir for public sector employees. In this regard, “Mir” can be considered a still “raw” map with a large number of restrictions. For example, even popular domestic companies like Aeroflot or Afisha, with which you can buy movie tickets, do not accept the world for payment for purchases. Mir clients simply do not receive SMS notifications necessary to make payments.

Another feature that can be considered both an advantage and a disadvantage is one-touch payment for purchases up to 1000 rubles. This function cannot be disabled; it is basic for the card. Attackers, having stolen a card, can take advantage of its vulnerability and make an unlimited number of purchases without entering a PIN code. Of course, the card can be blocked, but even before blocking is carried out, fraudsters may have time to spend some of the money.

The card is not valid outside of Russia, even in the CIS countries. For example, in Belarus you won’t be able to pay with Mir in a store, unlike MasterCard and similar foreign cards. Also, the card cannot be fully used even in some regions of Russia: in Crimea there are no Sberbank terminals with which you can withdraw cash.

When activating the SMS notification service, the operation may not take place immediately. Thus, some clients were faced with double debiting of funds: after an unsuccessful attempt to connect to one operator, the client was connected to another, and the funds for the SMS banking service were debited in double amount.

How to get a card

"Mir" can be obtained by contacting a Sberbank branch. There are several possibilities for its design:

• in case of early reissue of the previous budget card;
• when re-issuing a budget card after its expiration date;
• mandatory in July 2018;
• Having issued a budget card for pension transfer for the first time.

Thus, anyone who is entitled to preferential payments can become a recipient of the card. These are preferential groups, the list of which can be found in social services or at a Sberbank branch.

To initially receive a card, you must write an application to the Pension Fund with a request to transfer funds to a debit card. Next, with an application to open a budget account, you need to go to a Sberbank branch. You must have a passport, pension certificate or other document confirming your right to receive social benefits, as well as SNILS. Be sure to have with you the entire list of documents, original ones and not copied ones.

Clients of pension funds of various organizations (Military Pension Fund and the like) can also contact Sberbank to receive a card. Before this, you need to register a transfer to a debit card at the Pension Fund to which the beneficiary is attached.

The card production time is about two weeks. After receiving it, the pensioner can configure additional functionality and connect additional options. Immediately after activation, which should be carried out at a Sberbank branch, the card becomes valid. However, in order to start receiving funds on the card, you must remember to notify the Pension Fund about its receipt. The fund will need an account (card) number to transfer funds.

Important. If the card is reissued (previously there was another budget card), then it is enough to have your passport with you. After re-issuing the card, you must inform the Fund of the new account number, otherwise funds may be transferred to the previous card that has not yet been closed.

At the moment, Sberbank is required to change foreign cards to the Mir card if the client restores a budget debit card. That is, if a pensioner has lost his previous card for receiving a pension or it was stolen, he will only be able to receive a “Mir” card. If he needs a foreign type card, for example, Maestro, he will have to separately register it as a simple personal one.

Maintenance cost

The card is issued free of charge as part of the financing program. However, additional options may come at a cost. Thus, the SMS notification service is free only for the first 2 months. After this, the monthly cost is 30 rubles. The card owner needs to be careful, since after two trial months the service may be activated automatically and the funds will be debited from the account without the owner’s permission.

The cost of other additional services can be clarified at a Sberbank branch, in the online banking application or on the bank’s website.

The card is serviced for 5 years. After this, a free reissue occurs.

Additional options

If desired, the cardholder can connect some additional options that expand the account management capabilities. You can view them in the Online Banking application from Sberbank, which is available for all popular smartphone platforms. You can also consult at a Sberbank branch. All additional options are available for the “World” card. options presented in online banking, except for credit.