Commission for servicing the world card in Sberbank for pensioners. What is a Sberbank social card for pensioners? Sberbank pension card information

Many modern elderly people have already stopped standing in queues for hours every month in order to receive their pension, they receive benefits on a bank card. Especially for citizens of retirement age, financial organizations are developing separate banking products, in particular, debit cards. allows you to save and even increase your savings, since 3.5% per annum is accrued on the balance of funds. In addition, the card has a number of other advantages: it allows you to make non-cash transfers and other operations, and manage your account remotely.

What pension cards does Sberbank offer to issue?

Currently, at Sberbank, pensioners can apply for a "" or "Sberbank-Maestro" card.

Sberbank - pension card "Mir", opportunities

Mir payment card is a standard card for crediting pensions. It assumes free maintenance during the entire validity period, namely, for 3 years. On a Sberbank pension card, interest in the amount of 3.5 per annum is accrued once a quarter (the period is considered from the moment the card was issued). It is produced with an electronic chip that increases reliability and protection against forgery, the use of Mobile Bank and Sberbank Online is provided. You can put funds on the card both in cash and non-cash, as well as independently transfer funds at terminals and ATMs. In Sberbank Online Internet banking, you can connect auto payment, which will allow you not to worry about untimely paid services of a mobile operator or housing and communal services.

Sberbank - Maestro pension card, opportunities

The Sberbank-Maestro pension card gives holders access to some additional features. Basic conditions: account currency, interest accrued on the balance, validity period, mobile and for this product are similar to the previous one. In addition, the Sberbank-Maestro pension card allows you to issue additional cards, including for children over 7 years old, as well as withdraw cash on the same terms both in Russia and abroad (in partner banks).

Both cards participate in the Thank You from Sberbank discount program, which allows you to accumulate and then spend bonuses in various retail outlets, healthcare facilities, transport organizations, and beauty and entertainment enterprises. However, the possibilities of the Sberbank-Maestro pension card are somewhat wider (more companies and enterprises).

Replenishment of the Sberbank pension card

Replenishment can be done in several ways:

• Non-cash replenishment in a mobile or Internet bank, in a terminal from a Sberbank card,
• Depositing cash at the terminal or cash desk,
• Cashless transfer from a card of any other bank (commission is possible),
• Using the MasterCard MoneySend service (only for the Sberbank-Maestro card).

Registration of a pension card of Sberbank

In order to order a pension card, as well as a regular credit or deposit card, you first need to contact one of the branches of Sberbank, having previously prepared a package of documents. As a rule, to fill out an application, the client will need a passport and a pension certificate. The card is issued with a personal account, and its owner is given the details necessary for replenishment or access to additional functions.

After receiving a payment card, you must contact the regional branch, taking bank documents with you, and fill out an application. The cardholder in the application expresses his desire to receive a pension at Sberbank with its crediting to the corresponding account linked to the plastic card.

Thus, modern proposals for obtaining a Sberbank pension card allow you not to waste time in long queues for receiving a pension, keep your savings profitably and regularly receive interest, as well as enjoy various bonuses and privileges under the Thank You from Sberbank program.

Electronic payments have been knocking on every home for a long time. Although people of retirement age are traditionally the most conservative part of society, even here more and more people have chosen. It is in Sberbank, because it has been the country's main bank for more than 100 years, and because the bank provides the best offer to pensioners.

Benefits of transferring a pension to a card

The advantages of transferring a pension to a bank card are the same as for other payments: salaries, scholarships, benefits:

1. Fast enrollment. Receipt of money often occurs on the same day. There is no need to wait for the postman or waste time and health in line with the bank teller.
2. Security. Receiving a pension on a bank card guarantees the safety of funds from thieves and scammers. The option of losing a wallet with money is also excluded. And if the card is lost or stolen, then by calling the bank you can immediately block it and protect access to money.
3. Convenience. Takes up little space. She is always with her. It is convenient to transfer payments from the account, make regular payments for utilities and municipal services. Bonus - interest on the account balance on the pension card.

Special card for pensions

Transferring a pension to a Sberbank card is a popular option. The Bank has developed a Sberbank-MIR pension card. Getting it for free.

MIR is issued for 3 years. All this time its service is free. It is possible to use the Mobile Bank service and receive SMS notifications. The first 2 months of SMS are free. Then, for information about payments and transfers, you will need to pay 30 rubles. in year. For all the time you get 1020 rubles.

Payment system	WORLD
Territory of use	RF
Card account currency	Rubles
Card expiry date	3 years
Electronic chip protection	Yes
Maintenance cost	For free
Preferential mobile bank	The first 2 calendar months are free, then 30 rubles per month
% on balance	3.5% per annum on the card balance
Bonus program "Thank you from Sberbank"	Yes

The owner can receive interest on the account balance every month. The rate is 3.5% per annum. For a monthly balance of 10,000 rubles. for the year typed 350 r.

The MIR is protected by an electronic chip, which additionally saves the money of the cardholder.

Transferring a pension to a Sberbank card has another advantage - the ability to customize. It is no secret that regular payment of payments is a headache for many. Sberbank offers to connect monthly auto payment for utilities, cellular communications and other services. The commission will be significantly lower than when making a payment through an operator.

The MIR card is included in the Thank You from Sberbank bonus system. The owner can receive or pay for goods and services with Thank You points. Pyaterochka stores, Rigla, Evalar, Doctor Stoletov, First Aid, Good Pharmacy, MTS mobile phone stores and Euroset pharmacies accept as payment up to 5% of the cost of purchases.

Making a MIR card

Those wishing to receive a pension on a Sberbank card should contact a bank branch. The branch network is extensive, and each branch can issue a card. You should have a passport or other document with you that will prove your identity. Also take documents on the calculation of pensions from the state. You will need to take an application form from the operator. He will tell you on the spot how to arrange it correctly.

An unnamed Sberbank card for use is issued immediately after signing the contract. It will take 2 to 3 weeks to receive a card indicating the name of the owner.

We inform the FIU

In order for the pension to begin to come in a non-cash way, it is necessary to inform the pension fund. You can do this in 3 ways:

1. In the branch of Sberbank.
2. at the MFC.
3. at the FIU.

Transferring data through bank or MFC employees is the fastest and easiest way. However, FIU specialists will receive a notification about a bank card only after a week. If you go to the pension fund on your own, then the method of transferring the pension will be changed immediately. Which option is more convenient, everyone decides based on personal circumstances.

You need to have, in addition to identity documents, SNILS and bank details. It is better to ask the operator for details. But, if this is not done, then all payment data is available in your personal account online on the bank's website. The service is called Sberbank Online.

You must write a statement that you want to receive a pension on a Sberbank card. Already on the next payment date, the money can come immediately to the card.

If the pension is not received

Usually money comes to the account quickly. Delays are due to various reasons. The main ones are the following:

1. The FIU delayed the payment.
2. Pensions are being indexed.
3. The payment was made on a holiday or pre-holiday day.
4. The first payment occurs with a delay. If the delay is 5-7 working days, you must contact the bank with a request to issue a certificate of non-accrual of the pension to the account. Then, having a certificate in hand, contact the local branch of the FIU with a statement-claim. It doesn't matter how you apply for it. The main thing is that it should contain your full name and contacts, the essence of the claim and a request to sort out the current situation as soon as possible. As a rule, employees of the pension fund find out and inform about the reason for the delay within 1-2 days.

Pension on a Sberbank card is a reliable and convenient tool. Special offer for pensioners - MIR:

• Free for three years of validity;
• 3.5% per annum monthly on the balance;
• Participation in the "Thank you from Sberbank" loyalty program.

Registration is possible in any branch in 30 minutes. You can also notify the pension fund so that the pension comes in a non-cash way, through the bank. As an alternative - the MFC or a visit to the FIU.

Documents that will be needed:

• Passport or certificate replacing it;
• SNILS;
• Confirmation of receipt of a pension;
• Requisites.

The development of the banking system has led to the massive use of non-cash payments. The value of a bank document confirming the transfer of funds to someone's account has increased. We do not go to the management company or the housing office with cash, but we carefully keep receipts for payment of utility bills.

Technological progress has made it possible to minimize personal communication between customers and the bank. The black stripe on the plastic card stores information about the holder and his bank account number. The progenitor of such a band is a tape recorder.

Numerous terminals (cash machines, ATMs) connected via a wire to the bank's system are able to read information from the magnetic stripe and perform operations with account funds. In confirmation, the account holder receives a check or statement of the transaction.

Most organizations have switched to a non-cash form of remuneration. Pensioners have the opportunity to receive a pension to the card account without having to visit the bank. Many have managed to appreciate the comfort of Maestro's plastic card, got used to it. Since July 2017, the issuance of the MIR instead of the Maestro began. Why? For what? What is the difference? Who needs it?

What is the MIR payment system

A payment system is a system for non-cash payments and transfers. It can exist at the level of the enterprise, city, country, world. Its smooth operation is ensured by equipment, rules, programs, services and employees. The most famous international payment systems are Visa, Master Card.

MIR is the Russian system. Its development began in 2014.

The difficult situation around Crimea and economic sanctions have made the use of international systems vulnerable. The work of some of their participants began to fall under sanctions, paralyzing payments. In order to ensure the independence of Russian citizens from the political decisions of other countries in non-cash payments, the government decided to create its own payment system. According to the results of the national competition, the name MIR was chosen.

The first MIR cards were issued in 2015. From July 1, 2017, all points of sale that accept non-cash payments are required to accept MIR. There are payment restrictions outside the Russian Federation. It will be possible to pay without hindrance only in Armenia.

The reception of the MIR in Turkey, Thailand, the United Arab Emirates, the EurAsEC countries is being coordinated. Released jointly with other countries. Such cards in Russia work like the MIR, outside the Russian Federation as maps of systems of other states.

The set goal has been achieved - we can pay within the country in a non-cash way, regardless of political relations with other countries.

What is the MIR Pension Card?

Bank card for receiving pension payments. After the money is credited to the account, they can be fully or partially withdrawn from an ATM, and also paid with them without cashing out.

Please present your credit card instead of banknotes. In stores that accept non-cash payments, there are special devices at the checkouts. If you have any difficulties, contact the cashier for help.

To complete the payment, you will need to dial a PIN code. You receive it together with the card on a separate piece of paper in an envelope, or you set it yourself after receiving it. In any case, these are 4 numbers known only to you. You can't tell them to anyone.

Terms of receipt

The MIR pension card from Sberbank is serviced at a reduced rate. To qualify, you must meet the following requirements:

• age 18 and over;
• be registered in Russia;
• be entitled to receive payments or benefits from the pension fund and other pension authorities.

The pension authorities include the relevant units of the Ministry of Defense, the Federal Security Service, the Federal Penitentiary Service, the Ministry of Internal Affairs, the Investigative Committee, the Prosecutor General's Office, and the Federal Customs Service of Russia.

Payments from the pension authorities of the Russian Federation are received by citizens of the Russian Federation, as well as citizens of other states and stateless persons. All of them, having confirmed their receipt of a pension, can receive a pension plastic from Sberbank.

Registration is carried out at any office of Sberbank.

You will need:

• passport;
• confirm receipt of a pension;
• order a release; standard application form, filled in the bank;
• at the appointed time, come with a passport to the bank branch, pick up the finished card.

Validity and terms of service

The MIR card for pensioners in Sberbank is always debit, issued for 5 years, serviced at a rate that allows for the complete absence of paid services:

Service	Price
Service	For free
Reissue due to loss of card or PIN code, change of full name	30 rub.
Reissue for other reasons	For free
Depositing cash to a card at ATMs and cash desks of Sberbank	For free
Cash withdrawal:
- at ATMs and cash desks of Sberbank	For free
- at the cash desks of other banks	1%, minimum 150 rubles.
- at ATMs of other banks	1%, minimum 100 rubles.
Cash withdrawal	Up to 50 thousand rubles. per day
	Up to 500 thousand rubles. per month
Payment at retail outlets (shops, cafes, gas stations, entertainment venues)	No additional fees, only the amount of the purchase
Information about the balance in ATMs of other banks	15 rub.
Mini-statement at a Sberbank ATM, 10 recent transactions	For free
Cash flow statement	For free
"Mobile Bank" - account management via mobile phone	30 rub. You can get acquainted with the service during the first two months, when the service fee is not charged.
"Mobile Bank" economical account management package via mobile phone without SMS informing about transactions	For free

Interest on balance

The bank charges 3.5% per annum for your money in the account. This means that 3.5% is charged on the amount if it lies on the account for 1 year. But the amount on the account can change every day.

When calculating interest for less than a year, the interest rate is divided by 365 days, multiplied by the number of days the money is in the account. For independent calculation, we recall school mathematics: when calculating, we take shares, not percentages. 3.5% = 3.5 / 100 shares = 0.035 shares.

The bank takes into account the funds from the next day after the change in the account balance. Interest is paid every 3 months for the actual number of days.

Let's look at an example:

On the same day, you removed 2,000

From May 5, the remaining 8,000 will be taken into account when calculating interest. For each day will be credited: 8000 x 0.035 / 365 = 77 kopecks.

From May 19, the remaining 2,000 will be taken into account for calculating interest. Daily: 2000 x 0.035 / 365 = 19 kopecks.

From June 5, 12 thousand are accepted for interest calculation. For each day: 12,000 x 0.035 / 365 \u003d 1.15 rubles.

days	accruals
From May 5 to March 18 = 14 days	14 x 0.77 = 10.78
From 19.05 to 4.06 = 17 days	17 x 0.19 = 3.23
From 5.06 to 7.06 = 3 days	3 x 1.15 = 3.45
From 8.06 to 1.07 = 24 days	24 x 0.67 = 16.08
Total	10,78 + 3,23 + 3,45 + 16,08 = 33,54

For the period from May 4 to July 1, Sberbank will credit 33 rubles 54 kopecks to the MIR pension card on the account balance.

The cardholder has the right to replenish the account, 3.5% per annum will be charged on the entire balance. The rate is lower than deposits. However, the registration of the deposit takes time, and deposits with a higher percentage impose obligations. The higher the percentage, the more restrictions on using the money before the deposit expires: it is not always possible to withdraw, report.

On a pension card, money is always available, interest is charged on the balance, regardless of its amount and the period the money is in the account.

Account management from home computer

The Sberbank MIR card for pensioners can be managed and used via the Internet. A personal account in Sberbank-online allows from any computer connected to the Internet:

• receive full account information;
• pay utility bills, taxes, fines, duties with a reduced commission, cellular communications - no commission;
• transfer money to the accounts of legal entities by details or name, individuals - by account, card, phone number.

The system generates an electronic payment document, before debiting funds, it offers to check the correctness of filling, confirm with a one-time password. The password will be sent to your phone via SMS, it is valid for 5 minutes. You can request it again if 5 minutes is not enough for you.

Access to Sberbank-online is free. To start using it:

• get your username and password at the ATM;
• on the bank's website, find a link to go to the online service;
• Enter login and password;
• the system will send a one-time password to your phone number, you need to enter it in the appropriate box within 5 minutes; if necessary, you can get a new one, it's free;
• a personal account page will open with a friendly menu.

At a bank branch, you can ask an employee to help you get a login and password, as well as show on the bank computer how to use the online account. Consultants help everyone.

Additional features

The Piggy Bank service helps to automate the accumulation of comfortable amounts for you on a separate account. However, for pension projects, the service can be beneficial if you set aside at least 1 thousand rubles for each transfer. Otherwise, it is more profitable to keep money on a pension account at 3.5%.

Bonuses can be connected to the MIR card Thank you. For non-cash payments in stores, at least 0.5% of the amount spent will be returned to a separate bonus account.

How to apply for a pension on the MIR card?

You can make a transfer in the region of your registration. With a passport and SNILS, contact a branch of Sberbank, MFC or PFR to apply. It can be filled out on the spot or in advance by printing the form from the Sberbank website.

Pros and cons of the card

The pension card has its pros and cons. The advantages outweigh the disadvantages:

• issuance and maintenance are free;
• the ability to connect additional paid services at a reduced rate;
• the ability to use throughout the country, including the Crimea; for comparison, international payment systems do not work in Crimea due to sanctions;
• The operation of the MIR payment system does not depend on foreign policy.

There are disadvantages:

• restrictions on use outside of Russia;
• not all online stores are ready to accept WORLD.

Problems with acceptance for payment are being actively resolved.

Why does the Maestro change to MIR?

Maestro social card

The development of banking services has led to the massive use of plastic cards. To refuse them could be a big step back in the development of society, such a refusal would provoke long queues for making non-cash payments, and for receiving cash.

Remember the live queue at the Savings Bank to pay for a communal apartment. The modern standard of living cannot cope with this. Untimely payments of many obligations will rapidly accumulate, and a deep economic crisis will arise.

Maestro is served by the MasterCard payment system. The company is headquartered in the USA. It is extremely difficult to influence its decisions from Russia. The events of 2014 confirmed this in practice. Cardholders of international systems have experienced serious difficulties in using them due to sanctions. Huge queues at banks and overdue payments appeared instantly.

One of the main duties of the state is to ensure the security of citizens, including economic. The issue of an independent system of non-cash payments came to a head. Thus, the MIR system appeared.

The transfer of budget payments from the American payment system to the Russian one is logical. For those wishing to use the service of international cards, the possibility of issuing such a card is available, but separately from budget payments and without preferential services.

How is it different from Maestro?

The main difference between MIR and Maestro is that they belong to different payment systems: Russian and international. For Sberbank social card holders, this difference is expressed as follows:

In practice, most pensioners do not notice the difference in the use of cards. Comparing 2 products, note the design and design.

Is it necessary to change?

There is no need for Maestro holders to apply early for a replacement. The national program provides for a gradual transition to MIR until July 1, 2020.

From 07/01/2017, newly applying for a preferential social card can only receive MIR, current Maestro holders can use it until the end of the validity period without exchange. At the next reissue, they will be asked to replace them with MIR.

The right to receive social payments to the account without issuing a card is retained.

How to refuse the MIR card?

If you have not received it yet, it is enough just not to take it from the bank. If you have a MIR card, after using it for a while, you consider it unnecessary, contact a Sberbank branch with the intention to refuse it. The employee will draw up an application in two copies, one for the bank, the second for you. Make sure that your personal data is filled in correctly, that the bank has a mark with the date.

The card must be destroyed in front of you by cutting. Save the statement, disagreements are unlikely later, but no one is immune from them.

Some banking specialists insistently suggest using the WORLD. Their ambiguous wording can mislead that receiving a pension is possible only through the MIR. This is a solicitation of services.

A legitimate alternative to the MIR would be to receive a pension through the mail or to a bank account with the ability to withdraw money through the cashier. Regardless of the method chosen, be sure to take care of informing the Pension Fund. Provide details of your account for transfer or intention to receive money in cash. Contact the Pension Fund in the region of your registration.

Are there options for receiving a pension on another card?

Changing the WORLD to Maestro, Master Card, Visa will not work according to the current law. Pension authorities are prohibited from transferring money to accounts connected to foreign payment systems.

An alternative option is available for advanced users of banking services:

• open a current account, report its details to the FIU;
• it is more convenient to open a classic card account at your own discretion in the same bank, although it is technically permissible in another;
• receive a pension on a current account;
• transfer money from the current one to the card account and use the usual way.

Such a scheme is not relevant for many. But for those who are used to using goods and services outside the Russian Federation, there is a high need for a Visa or Master Card. The described method offers a solution to the problem. Especially if you use the Sberbank-online service.

Conclusion

The WORLD is the subject of many controversies. Opinions differ not only among ordinary citizens, but also at the level of authorities. For example, the Antimonopoly Service does not approve of such an aggressive implementation. Pensioners and state employees do not have a direct opportunity to choose an alternative payment system.

The adoption of such drastic measures by the authorities is justified by the country's need for the independence of non-cash payments from foreign policy. An evolutionary voluntary implementation could take decades, the cost of maintenance services would be high due to the small number of users, the existence of the system itself would be in jeopardy.

First successes achieved:

• MIR has been providing uninterrupted work with non-cash payments in Russia for the third year already.
• in Armenia they accept a Russian card.
• Master Card has signed an agreement with MIR, and the first joint MIR-Maestro cards have already been issued, they can be used abroad.

The project has optimistic prospects. How it will look in a few years, how successful further work will be, time will tell.

Many pensioners prefer to interact with Sberbank to receive a pension, as with the most reliable state-owned bank in the country. Consider what the pros and cons of a Sberbank card for pensioners are, how much the card service costs, the benefits of the Active Age program, and also what cards a pensioner can issue, except for a social one.

Sberbank pension cards

Pensioners in Sberbank could issue any card of their choice: MIR, Maestro or MasterCard. According to the relevant law, today only MIR social cards are issued for the transfer of pensions. The issuance of Maestro and MasterCard cards for pensioners has been discontinued .

Maestro/Mastercard

For persons who still have them in their hands, the Sberbank pension card is replaced with a MIR card at the time of applying for reissue due to expiration or early (in case of loss, change of data, etc.).

WORLD

The MIR card is endowed with all the advantages of the above products so that the change of plastic does not cause inconvenience to the client, but it is also characterized by some disadvantages.

pros

Interest accrued on the balance of pensioners on a Sberbank card is the main advantage of the product. At the same time, there is no need to maintain any balance on the balance.

Interest is charged on social payments transferred by the Pension Fund, the Ministry of Internal Affairs, the Prosecutor's Office and other pension authorities.

Interest on the balance is calculated at a rate of 3.5% quarterly.

Other advantages of a card for pensioners in Sberbank include:

• Free use;
• The notification service is connected free of charge for the first 2 months. At the end of them, there is a preferential tariff - 30 rubles per month (for clients of other categories, the service costs 60 rubles);
• The pension is credited to the balance on the day of its accrual from the Pension Fund, without delay;
• It is possible to pay with a card at retail outlets and the Internet, as well as for housing and communal services and other services using Sberbank services remotely, free of charge or with a lower commission;
• Accumulation of points for purchases from the card within the Thank You program, which can be used to pay or receive a discount in stores and online platforms of partners;
• The owner of the MIR social card has access to the Active age service.

Additional advantages for pensioners in Sberbank are special tariffs for opening deposits. In particular, they are offered the highest interest rates provided for a certain type of deposit, regardless of the amount of funds deposited or the minimum balance maintained.

Minuses

Considering the disadvantages of the MIR card of Sberbank for pensioners, it is worth highlighting the inability to pay outside the country. It is also not provided to withdraw money abroad, even in subsidiaries of Sberbank itself.

In the reviews, the paid service of the Mobile Bank is called a minus, the cost of which does not suit pensioners, even despite the reduced rate. But do not forget about the availability, which is provided to everyone without charging a monthly fee.

The disadvantages also include:

• it is impossible to issue an additional card to the account;
• paid reissue due to loss of plastic (30 rubles);
• paid balance check at ATMs of other institutions (15 rubles at a time).

Conditions and cost of servicing the MIR social card

Issue and issuance of the card occurs without payment. The service cost is 0 rubles.

The MIR card is valid for 5 years. At the end of this period, a scheduled reissue occurs, for which payment is not charged.

In addition to those already mentioned, the card has the following terms of service:

• cash withdrawal limit: 50 rubles per day, 0.5 million - per month;
• commission for cash withdrawal: 0% when using a Sberbank ATM, 1% - in third-party machines;
• withdrawal of money in excess of the limit - only at the branch, with a surcharge of 0.5% on the excess amount;
• replenishment of the card account in cash through the cash desk or ATM: no commission.

How to get a card for a pensioner with interest on the balance

The instruction on how to transfer a pension to a Sberbank card for a pensioner has been simplified to make the procedure more comfortable.

Today, persons who meet certain requirements can apply for the issuance of a MIR pension card:

• a citizen of the Russian Federation, a foreigner, a stateless person who is legally entitled to a pension;
• registration of a permanent or temporary nature.

At the branch of Sberbank

First, you need to submit an application at the branch according to the place of registration in order to receive a Sberbank card.

It is necessary to present an identity card and a pension (or a document confirming the status of a pensioner). The production time of plastic is about 7-10 days. The client will be notified separately about the readiness of the product.

Order online

The second way to get a card is an additional plus of Sberbank, as it allows you to order it online. It is enough to go on the website to the section Social card for pensioners, where you can also read the terms of use, and go down the page.

Here is the online application form, in which you need to specify:

• personal data;
• surname in Latin letters (for printing on the map);
• contacts;
• passport information;
• address, place of registration.

After sending the form, you should wait for an SMS or a call from an employee to accept the application. The applicant will be invited to the office when the social card of Sberbank for a pensioner is ready.

How to transfer a pension to a MIR card for a pensioner

If you already have a card, such as a Maestro, which is receiving pension payments, and you want to use it for the time being, please continue.

You will receive a new card for free, to which the pension has already been transferred:

• When you lose/damage yours and need a reissue. They will release a national one, but with the same connected services, the balance and the same account. Those. nothing will change for you.
• When the card expires (it is usually designated as 07/18 - which means the card is valid until July 2018) - Sberbank will automatically issue a new card.

If you wanted to speed up the process and ordered the card yourself, you need to transfer the payment of pension to its account, for which you need to write an application and submit it in a convenient way:

• Branch of Sberbank;

How to cancel the MIR card

What you can opt out of:

• From Sberbank. If for some reason you are not satisfied with the bank itself, then you have the right to get a pension card in any other that issues MIR cards. The official website of the payment system lists 147 banks issuing the card (Article 136 of the Labor Code of the Russian Federation).
• From the map. You do not want to receive a pension or other payments to the MIR card, or you have always received money - in cash or in an account. In this case, you are not forced to use the World map, you can choose the method that is familiar to you.

Having compared the pros and cons of the MIR card, some wish to abandon it in favor of cards of the international format, endowed with great opportunities.

Today, there are no options for receiving a pension on a card and abandoning the MIR system. This is due to the requirement of the law, which regulates the transfer of budget payments to the cards of the national system.

In the first half of 2018, civil servants are forcibly transferred to this product, but there is no clear framework for pensioners. For them, the replacement is planned until 2020: at the time of the first registration or when the existing card is reissued (planned or voluntarily).

It is impossible to refuse to replace the card with a national payment one, but no one bothers to get any debit or credit card of a bank convenient for you, which can also be used abroad. You can independently transfer any amount from a social card to it. No commission is charged for transfers between your cards (if both cards are from Sberbank).

How to use a Sberbank pension card

A card for pensioners is no different from a standard debit card and allows you to perform all standard procedures:

• replenish;
• transfer funds to individuals and companies;
• pay for goods and services in person or online;
• withdraw cash.

Top up card

To replenish the MIR card of Sberbank for pensioners, you can choose any convenient option:

• Deposit money at the cash desk of Sberbank. It is required to name the card or account number, confirming your authority with a passport.
• Top up through a terminal or ATM.
• Transfer from another Sberbank card using Sberbank Online, Mobile Banking or ATM.
• Transfer from a card of a third-party issuer through its Internet bank.

If you refuse third-party resources and use the services and tools of Sberbank, the balance is replenished at no extra charge.

Send a transfer

To send a transfer to a pension card, you can use the above methods:

• . Go to Payments and transfers - to your card. Specify the card for debiting and crediting funds, as well as the amount of the transaction.
• Mobile bank. Compose a message: TRANSFER, 4 extreme digits of the debit card number, 4 card characters for deposit, amount. Send to 900.
• ATM. Insert the card from which you want to send money. Go to Transfers, write down the card number to receive and the value.

No commission is charged. Enrollment occurs instantly or within a few minutes, less often - up to a day.

If you need to send a transfer to a Sberbank pension card from a card of another institution, you can use its Internet bank and other tools offered by the institution. The transfer fee is in the order of 1% - but check the specific values ​​for your situation.

Service Active age

All holders of social cards for pensioners can use Active age tools and services.

Sberbank card Active age provides privileges when making deposits, Savings accounts, mortgages and some other Sberbank products, which we already mentioned earlier.

Courses

On the Sberbank website https://sberbankaktivno.ru, you can also take courses that will help you find yourself, get rid of the worries and anxieties caused by a change in lifestyle, set up relationships with loved ones and enjoy going on vacation.

Courses are provided online in the form of articles, videos and exercises. Only MasterCard card holders will be able to complete the full course, for which you will need to enter its number in the corresponding window.

You can also try a trial course without a card. At the same time, access to information is not limited within 10 days.

Health

In the Health section, Sberbank pension card holders are offered to make an appointment with a specialist based on his rating and reviews.

The search can be carried out by locality, doctor category, cost of admission and other important aspects. To sign up, just enter your name and phone number on the form. Having received a call, it remains only to specify a convenient time for visiting a specialist.

They also offer a service that will help identify the necessary specialist based on the symptoms specified by the user. The tool can only be used by MasterCard cardholders (access by number).

Other debit and credit cards for senior citizens

In addition to a card for receiving a pension, a pensioner has the right to issue any Sberbank card available in the range or several, if necessary.

The proposed Sberbank cards for pensioners differ in status, type and additional features:

• Credit, debit.
• MasterCard, Visa, MIR.
• Classic, golden, premium.
• for card payments. Miles can be used to purchase tickets, improve the status of service at airports, and more.
• Give life: to participate in charity.

Also, a pensioner can be offered a card with a pre-approved credit limit, which is calculated individually, based on the amount of his income.

Conclusion

The Sberbank card for pensioners has its pros and cons, but is reliable for calculating pensions. You can refuse it or choose another one, but with great restrictions. In Sberbank, a card for pensioners with interest accrual has free service, and also provides a number of privileges: deposits with maximum interest, mortgages at a convenient rate, etc. Additional benefits are provided by Sberbank's Active Age service. The main disadvantage of the MIR card is the restriction of use abroad.

The service of opening a card account for the subsequent receipt of a pension or any other state benefit is provided by many banks, but Sberbank of Russia has the most favorable service conditions for customers. A reliable financial institution provides not only a first-class service of international level, but also helps to earn money. An annual percentage is charged on the balance of personal funds on the card. You can use the payment instrument in any region of the country.

What is a Sberbank social card for pensioners

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

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

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

MIR payment system

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

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

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

Why Maestro is changed to MIR

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

The first cards began to function in 2015. From July 1, 2017, all points of sale that accept non-cash payments are required to carry out settlement transactions with Mir plastic without any obstacles. There are some payment restrictions outside of Russia. So far, without any obstacles, it is possible to pay using a card of the Russian payment system only in Armenia. At present, the conditions for receiving Mir in Thailand, Turkey, the countries of the Eurasian Union, and the United Arab Emirates are being coordinated.

Maestro cards are serviced by the MasterCard payment system, which is managed in the United States, so it is very difficult to influence its decisions from the Russian Federation. The events that took place in 2014 are a vivid confirmation of this. Plastic holders of the international system faced great difficulties in using it due to the imposed sanctions. In order to ensure the safety of citizens, including economic, it was decided to create a domestic payment system "MIR", into which all budget payments were transferred.

Comparison between MIR and Maestro:

• payment by a card of the domestic settlement system outside the Russian Federation is limited, plastic Maestro can be used all over the world without restrictions;
• the Mir system is absolutely independent of the political situation, the Maestro is the opposite;
• Social payments can be received on the Mir card without restrictions, state benefits will be credited to the Maestro card only until 2020.

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

Terms and cost of service

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

How interest is calculated on a Sberbank social card

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

When calculating interest, provided that the funds have lain on the account for less than one year, the interest rate is divided by 365 days, multiplied by the number of days the money is on the plastic. To independently calculate the amount of accrual, you can use the following formula: 3.5% \u003d 3.5 / 100 shares \u003d 0035 shares. Accounting for funds by the bank is carried out from the next day after the change in the balance. Interest is paid every three months for the actual number of days.

Validity

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

Cash withdrawal limits

The owners of the banking product have the right to withdraw 50,000 rubles per day from ATMs and cash desks of Sberbank without obstacles and restrictions. The cash withdrawal limit per month is 500 thousand rubles. The threshold minimum for the card is not set. More detailed information regarding cash withdrawal limits is provided by a Sberbank employee. The conditions for withdrawing money in excess of the limit are discussed with each client individually.

Advantages and possibilities of a pension card

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

• high level of security of operations (plastic is produced with a security chip, which excludes unauthorized withdrawal of funds, increases protection against fraudsters);
• the possibility of replenishing the account through ATMs and cash desks of Sberbank without commission (a pensioner can use the account as a savings account, since interest is charged on the balance of funds, any receipts and transfers to the card are absolutely free, you can replenish the account at any bank branch);
• the possibility of unhindered payment for purchases on the territory of the Russian Federation (plastic is accepted from July 1, 2017 by all outlets);
• free cash withdrawal at ATMs and cash desks of Sberbank (you can withdraw money throughout the Russian Federation without a commission);
• free reissue (you will have to pay 30 rubles for reissue only if the owner has changed his last name, first name, patronymic or lost his PIN code);
• available online services (registration in the Internet service is carried out quickly, in order to enter your personal account and gain access, you need to enter an authorization password, through the online service you can pay for utilities, online purchases, replenish your mobile and remotely manage your card account);
• preferential "Mobile Bank" (the first two calendar months, the sms-service is provided free of charge, then, in order to activate the service, you need to pay every month, the cost of sms-informing is 30 rubles);
• the possibility of opening a deposit with an increased interest rate through an online service or a mobile application;
• the possibility of opening an overdraft at a rate of 40% per annum (the service helps to pay for purchases even if there are not enough personal funds on the balance sheet, it provides for the possibility of early repayment of the loan without commissions and penalties);
• available bonus program "Thank you from Sberbank" (the holder can take advantage of current promotions, receive discounts and bonuses).

Preferential mobile bank

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

• find the nearest Sberbank ATM;
• select the menu item "Connect mobile banking";
• send an SMS message with the text "Help" to number 900 to find out all the features of the service.

Bonus program "Thank you from Sberbank"

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

Card Disadvantages

The main disadvantages of pension plastic include:

• service only in branches, cash desks and ATMs of Sberbank;
• transactions on the international market, the use of euros and dollars is not available;
• lack of security codes.

How to get a pension card

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

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

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