The main task of any banking institution- attracting the largest number of customers. To this end, banks offer citizens a variety of preferential programs and products.

Financial products for pensioners

Most older people in Russia use the services of Sberbank. In this largest financial organization special conditions have been developed for pension recipients. An interesting banking offer is the Active Age program. As part of the program, people over 50 years of age are issued a special social card.

The use of plastic cards is an alternative to transferring pension payments to a passbook.

The benefits of the Active Age program include:

1. The ability to make purchases in regular stores and online on the Internet;
2. Free annual service;
3. Accrual on the balance of interest at the current rates of the bank.

The card participating in the program is credited with "Thank you from Sberbank" bonuses.

Maestro pension card

Previously, pensioners could apply for a Maestro card to receive payments. This type of plastic is served by the international MasterCard system. The management of the payment system is located in the USA.

Due to possible problems in servicing the Maestro, the transfer of the pension was transferred to the accounts of the national payment system. According to Russian legislation Until July 1, 2020, Maestro cards will be completely replaced.

Social card MIR

The social product of the national payment system is intended for.

The conditions for the design of social plastic are:

• the presence of Russian citizenship;
• registration (propiska) on the territory of the Russian Federation;
• the right to pension payments.

With the help of a card, you can pay for goods and services or withdraw cash from an ATM.

Terms of service and expiration date of the social card

Sberbank has set preferential service rates for pension cards.

The main advantage of the MIR financial product is free clearance and accompaniment.

Among the key features social card allocate:

1. Opening only in national currency(in rubles);
2. Possibility to order an additional card free of charge;
3. Providing discounts when choosing the Mobile Banking service;
4. Possibility of independent replenishment of the account;
5. Interest capitalization (subject to certain conditions);
6. Contactless payment for goods in the store.

The card is used for 5 years from the date of receipt. Reissue of a payment instrument upon expiry is free of charge. If the card was damaged or lost, the pensioner will need to pay 30 rubles for the manufacture of new plastic.

How to get a pension card with interest on the balance

One of the features of the social tariff is the receipt of 3.5% per annum of the amount on the card. Interest is calculated daily and does not depend on the duration of the money in the account.

Sberbank offers two registration options pension card WORLD.

In person at the branch

An application for issuance can be written at any office of Sberbank. The pensioner must present a passport, pension certificate and SNILS. Production and delivery of the card to the department takes no more than two weeks. Bank employees will notify you by phone about the receipt of the finished card.

Online on site

You can apply online on the official portal of the financial institution.

To apply for a card, follow these steps:

When the card arrives at the office, mobile phone specified in the application, a notification will be sent.

Who can get a pensioner's social card

Sberbank offers a social card to receive payments from the Pension Fund of the Russian Federation and pension units of various departments (for example, the Ministry of Defense or the Ministry of Internal Affairs).

The right to receive a social card is granted to:

1. Persons who have made payments upon reaching retirement age;
2. Employees of various government agencies who have retired due to seniority;
3. Disabled people;
4. Survivor benefit recipients.

Important! One of the main conditions for registration is the presence of citizenship Russian Federation.

Card Security Rules

Everyday use of a plastic payment instrument requires careful attention on the part of the owner.

The basic safety rules for handling the card are as follows:

• do not show or give the card to strangers;
• close the keyboard when entering a PIN code;
• do not provide card details over the phone.

Compliance with simple rules help the owner save cash from theft and fraud.

To protect the plastic from breakage, it is advisable to store it in a special case.

Practical Usage Issues

Employees of the Pension Fund of the Russian Federation offer citizens to fill out an application for the production of a card when they first apply for the calculation of payments. If agreed, the application is sent to Sberbank. As the payment instrument is manufactured, bank employees transmit information about the card account number to the PF branch.

How to transfer a pension to a MIR card

If a citizen receives benefits on the Maestro card, then the transfer to national plastic will be carried out automatically. Upon expiration of the term of use (3 years for Maestro), Sberbank will issue a new card of the MIR payment system.

The pensioner has the right to independently order a card. However, after receiving the plastic, he needs to re-register the procedure for transferring payments. To transfer to a new account, it is enough to write an application at the Sberbank office, PFR branch or at the nearest MFC (center for the provision of public services).

How to cancel the MIR card

Russian legislation does not provide for the possibility of refusing the MIR card when applying for social benefits in favor of other payment systems. A pensioner has the right to open an account to receive payments in another bank (337 financial market participants are registered on the website of the national system).

On a note! An alternative to card products is cash receipt at the Sberbank office or at the Russian Post office.

How to use a pension card

Social electronic plastic has all the capabilities of a standard debit card. The main advantage of this payment instrument is a simplified procedure for paying for goods and services.

A debit card allows you to:

1. Keep money;
2. Replenish an account;
3. Transfer amounts to other persons;
4. Withdraw cash.

The social product of Sberbank, along with other cards, takes part in the Thank You bonus program.

Top up account

You can deposit funds to your card account in several ways:

• at the cash desk of any banking institution (an employee will ask you to show your passport);
• through an ATM or self-service terminal;
• using the online services of Sberbank and third-party financial organizations;
• at the Russian Post Office.

The balance can be replenished by its owner or another person. An exception is the option of depositing cash through an ATM (requires a card).

Send a transfer

Sberbank offers the following options for transferring funds to a pension card:

• from another card through the "Payments and transfers" section at an ATM;
• remotely in personal account Sberbank Online service;
• using "Mobile Bank" (the service must be connected to the bank cards of the sender and recipient).

by the most fast way is a transfer by SMS through the "Mobile Bank".

To do this, a message should be sent to the Sberbank interaction number with customers 900, which contains:

• the word "TRANSLATION" (Latin "PEREVOD" is allowed);
• recipient's phone number;
• transfer amount.

No commission is charged for sending funds between Sberbank clients via SMS.

Program "Active Age"

The service is intended for older people leading an active lifestyle. Card holders are offered increased interest rates when opening deposits.

Program participants receive additional opportunities:

1. "Autopayment" function with a minimum commission;
2. Free information about the operations performed;
3. Gift certificates for active users;
4. Discounts when applying for insurance products of the bank.

The Active.ru portal (https://sberbankaktivno.ru) offers club members many interesting sections and convenient services.

Courses

The "Courses" section contains articles, lectures and exercises designed to make the life of pensioners more prosperous and healthy. Video lessons help to improve relationships with children and grandchildren, to find new friends.

A full online course on the chosen topic is available only to program participants. In order to get acquainted with the information, you must enter the card number in the appropriate field.

Health

The "Health" section offers pension card holders to make an appointment with a doctor.

The search is carried out by locality and specialist profile. Doctors can be selected by the cost of admission, work experience, patient reviews.

All you need to do is enter your phone number and name. Medical workers contact the applicant to choose a convenient time for the visit.

Using all the features of the section is available only to registered participants of the Active Age program.

Advantages and disadvantages of Sberbank pension cards

MIR social cards from Sberbank are considered the most reliable tool for receiving a pension.

The advantages of plastic include:

• free production and maintenance;
• an extensive network of ATMs;
• long period of validity;
• high level of protection;
• opening a deposit with maximum interest;
• bonus programs;
• round the clock support service.

Among the shortcomings of the MIR pension card, use is made only within the Russian Federation.

Additional cards for pensioners

When applying for a social banking product, representatives of the older generation are offered to make a second card for free.

The range of Sberbank payment instruments varies:

1. By type (debit or credit);
2. By status (classic or premium);
3. By types of bonuses (cashback or accrual of miles).

The choice depends on the needs of the pensioner. Tariffs for the use of additional plastic must be clarified with bank employees.

Last changes

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Watch a video about the Sberbank MIR card

April 25, 2019, 09:00 Jan 4, 2020 00:38

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.

The accrual of interest is provided for social payments transferred 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 highest interest provided for a certain type of deposit, regardless of the amount of funds placed 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, they call it a minus paid service Mobile banking, the cost of which does not suit pensioners, even despite the preferential 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 over the limit - only at the branch, with a surcharge of 0.5% for 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 form online applications, 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 operation.
• 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 amount.

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 holders will be able to complete the full course MasterCard cards, 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 magnitude of its 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.

Reading 6 min. Views 351

Sberbank issues various types of cards for all segments of the population. A Sberbank pension card has already been issued, which helps to organize the budget, plan and save money for the elderly.

What are the options for getting a pension card?

Opening a Sberbank pension card will help a person reduce the time during the withdrawal procedure. After all, a pensioner does not need to stand in line at the cash desk, but you can quickly withdraw finances through an ATM. This is a significant plus. And also some convenient functions open up before an individual.

Cumulative function

The essence of this service is that 3.5% per annum is received on the balance as a bonus. The payment of the accrued amount occurs once every three months, starting from the day when the contract was concluded.

Additional functions

There are several additional features:

1. Automatic distribution of finance. This is an additional program main feature which is what happens automatically: paying monthly bills, repaying loans, transferring money to other plastic cards.
2. Mobile banking. This service implies the receipt of a text message on the subscriber's phone, which indicates the operation performed with finances: crediting, withdrawing, transferring.
3. Thanks Bonus. Such a function involves the accumulation of bonuses on the balance of the Sberbank card, which can later be exchanged for replenishment of a mobile account.

Conditions for cashing out

There are some restrictions on cashing out funds. A person can withdraw from the card an amount of 150 thousand rubles per day. If a pensioner needs to withdraw more than the specified amount, you should contact the Sberbank branch. When withdrawing funds through a self-service device or at a branch third party bank commission will be charged.

In the case of cashing out the card through an ATM of Sberbank or at the cash desk of the same organization, no interest will be charged. And if a person withdraws an amount that exceeds the limit, you will have to pay half a percent of the withdrawn funds for the service.

Refill

To replenish the Maestro pension card, the holder can use a terminal or an ATM with a bill acceptor. When transferring cash at a branch of Sberbank, you need to provide your passport. In the absence of a passport, you will need to name the plastic number, as well as provide the data of the branch of the financial institution in which the card was issued.

Payment for services

The pension card can be used to pay various purchases and services in shopping centers, shops, institutions Catering. Through an online application developed by Sberbank, you can pay off interest on a loan, pay for the services of an Internet provider and a landline phone. One of the most convenient functions of the card is payment utilities. Now in the field of housing and communal services, Internet payments are gaining popularity. This significantly reduces the time for making payments, since the need to stand in long queues is eliminated.

Tariffs and terms of provision

There are certain tariffs for the Sberbank social card, the conditions of which are as follows:

1. Maintenance of the card during the year is free of charge.
2. No fee will be charged for the next reissue of the card. If you need to re-register plastic ahead of schedule, you need to pay 30 rubles.
3. When replenishing the card in cash at ATMs and Sberbank branches, interest is not charged.
4. Cash withdrawal at home terminals and savings banks - no commission; the amount exceeding the limit - 0.5%; performing a transaction in third-party self-service devices or banks - 1%.
5. The limit of the amount withdrawn per day is 50 thousand rubles; per month - 500 thousand.
6. Payment for purchases is carried out without commission.

How to issue

The procedure for applying for a pension on the Mir social card can be carried out in your region. With an identity card, you must come to the branch of Sberbank and write an application. This procedure can be performed at a branch or fill out an application at home, having previously printed out a form from the official website of Sberbank.

Client Requirements

The card is provided under the established requirements:

1. To receive a basic card, the recipient must be at least eighteen years old.
2. A citizen of Russia or a foreign person, as well as a stateless individual who is entitled to a pension.
3. A person must be registered in the Russian Federation.

Maintenance and commissions of the "Social" card

The validity period of the pension card is three years. When the action time comes to an end, the plastic is reissued and automatically extended for a certain period of time. You do not need to pay for this procedure. Card maintenance is also free of charge throughout the entire time. If for some reason a person has lost plastic card, you will need to pay for its restoration. The amount of the commission is 30 rubles. You can additionally attach several cards to the social account of each pensioner. For their maintenance, the holder will need to pay a commission of 150 rubles per year.

You can use the card, as well as put money on it, in various regions of the Russian Federation and abroad. In some foreign countries there are subsidiaries in which you can perform standard actions on cards.

Restrictions

Although a pension card is a type of debit card, it has certain limitations:

1. All manipulations on the card are performed exclusively in Russian rubles.
2. On the territory of Russia, plastic functions without restrictions. Is it possible to replenish the card in foreign cities and subsidiaries? No, just cash out.
3. This type of plastic is not suitable for accrual wages. Therefore, working pensioners will need to issue an additional plastic card for salaries.
4. You can pay for certain services using social plastic (purchases, utilities, loan debts). Payment for items purchased online is not available.

Advantages

If there are limitations, then there are also enough positive aspects.

Content

More than half of Russians use plastic cards. This way of storing funds and making payments is more convenient than using a traditional wallet. PJSC "Sberbank of Russia" offers customers a variety of products. One of them - bank card Maestro social - differs in a number of privileges for owners.

Social card of Sberbank of Russia - what is it

This product is designed specifically for receiving pensions and benefits. The Sberbank card for pensioners is serviced free of charge, which is a big plus for people with low incomes. You can make it for the following purposes:

• receiving pensions and subsidies upon reaching a certain age;
• receiving child benefits;
• receiving survivor benefits;
• receiving disability pensions.

A social card from Sberbank has a lot of advantages:

1. Plastic comes with a security chip.
2. The holder can issue an additional card for a child from 7 years old.
3. Customers have access to the Thank You bonus program, promotions, discounts of partners of a financial institution.
4. Plastic is suitable for paying for purchases on the territory of the Russian Federation and abroad.
5. You can withdraw cash from any ATM of the issuer without commissions.
6. Reissue in case of loss or expiration of the term of use is free.
7. All holders have access to the Mobile Bank service and the online service.
8. The Sberbank Maestro social card gives customers the opportunity to receive profitable loan or take advantage of the limit.
9. The cardholder can open a deposit with a higher interest rate through mobile app or online service.
10. Holders can open an overdraft at a rate of 40% per annum. The service allows you to pay for purchases even if there is a shortage of the required amount on the balance.

Sberbank pension card

Modern pensioners may not stand in line for money, but receive funds on a plastic card. It is very convenient and profitable, because you can pay with it in almost any store, pharmacy, medical institution, and there are round-the-clock ATMs in all regions of the country, . Sberbank social card for pensioners is available individuals who are assigned payments upon reaching a certain age, loss of a breadwinner, disability.

Terms of use of the banking product:

1. The validity of the card is 3 years.
2. The service is free.
3. 3.5% is accrued quarterly on the balance of the client's funds.
4. Cash withdrawal limit - 50 thousand rubles daily / 500 thousand rubles monthly.
5. An additional card is available.
6. An account statement is available upon request.
7. Online system available. In your personal account, you can carry out various operations, transfer money to other bank customers, make payments on loans, pay utility bills 24 hours a day.
8. Auto payment is available.
9. You can replenish your account without restrictions.

Sberbank pension card - interest accrual

A huge advantage of this banking product is that interest is charged on the balance of the client's funds - 3.5% per annum. It should be noted that only pensioners who have reached the appropriate age can receive bonuses. Interest on the Sberbank social card will not accrue if the holder has issued it for benefits, disability pensions.

Sberbank social card for pensioners - cons

In addition to the undeniable advantages, this banking product has a number of disadvantages. Cons of the social card of Sberbank:

• there are 18 digits in the card number, which causes difficulties in making payment transactions, transferring funds;
• You can withdraw money from the card only on the territory of the Russian Federation;
• it cannot be used as a salary;
• product is only available certain categories citizens.

Sberbank student card

This Sberbank product is available to students receiving a scholarship. However, this card has a number of differences:

1. The debit student card of Sberbank is international, suitable for paying for purchases, withdrawing cash from terminals, making electronic payments, and transfers.
2. The plastic will be valid for exactly 3 years from the date of registration, after which the client will be able to order a replacement for free.
3. A service fee of 150 rubles per year is charged.

How to get a Sberbank social card

If a citizen meets the criteria (receives a pension or other social benefits), then he can order this banking product at the nearest branch of a financial institution. Obtaining a social card of Sberbank occurs after submitting an application, providing a passport and pension certificate(if the client looks younger than his years or went on a well-deserved rest earlier than the standard term). The card is issued no more than 10 days.

The Mir pension card from Sberbank is a special product designed for pensioners receiving a pension or various types of social benefits. This plastic card allows retirees to no longer queue for monthly payments: money is credited to the account at the specified time, and users of the product have access to a wide range of other banking services.

Conditions for obtaining and using the card

To obtain a card, you must personally contact any branch of the bank or apply for a card online by filling out an application on the website. The production time is usually 2-3 days, however, delivery of the card to remote locations can take up to 15 days. Issue and maintenance of the card is free, but the cost of monthly SMS informing about transactions is 30 rubles per month

Important points in the terms of use of the Sberbank Mir Pension Card:

1. To obtain a debit card for pensioners, you will need a passport and a document certifying the right to the benefit. This is usually done using a pension certificate.
2. Free cash withdrawal with a daily limit - 50 thousand rubles per day and up to 500 thousand rubles monthly at any ATM. When withdrawing from the account an amount in excess of the established limit, a commission of 0.5% is paid.
3. The bank card works throughout Russia, including in the Crimea and Sevastopol, where international payment systems do not operate.
4. The pension card can be used on the territory of Armenia, Turkey and Kyrgyzstan: the Mir payment system operates in these countries. It is possible to withdraw cash and pay for goods in some online stores connected to the system.
5. The pension card is valid for 5 years, after which a reissue is required. For replacement, you need to apply at any branch of the bank, the procedure will take only a few days.

You can also withdraw cash from the Mir card at ATMs of other banks, however, a commission of 1% of the withdrawal amount will be charged. Also, a commission in the amount of 15 rubles is charged for checking the balance through ATMs of third-party organizations.

Services available to cardholders mobile bank and SMS informing, in order to use Internet banking, you need to open a free online account using your card number. This will allow you to check the status of your bank account at any time, as well as make various operations and payments online. The client can replenish the account independently through ATMs, receive transfers to the Mir card from third parties or independently transfer money from his other accounts.

Card options for pensioners

What benefits will you get from ordering a Sberbank pension card? Holders of this product open whole line additional features. This is a useful tool that allows you not only to manage your finances, but also to turn money into a source of additional income.

The most important advantage is the card with free annual service. Holders also have the following options:

1. Interest on the balance on the Sberbank Pension Card. The rate is 3.5% per annum, it is charged on the balance of funds every 3 months from the date of receipt of the card. Payments are credited to the account, the client receives a notification about this via SMS notification and/or in the mobile application.
2. Contactless payment is provided in stores thanks to the MirAccept system. It is enough to attach the card to the terminal, purchases in the amount of up to 1000 rubles do not require the introduction of a PIN code.
3. Participation in the bonus program "Thank you". When paying for purchases with a card, “Thank you” bonuses are awarded, which can later be used in partner stores. The higher the level of privileges in the program, the more profitable bonuses the client can receive.
4. Ability to pay for purchases using Samsung Pay. In this case, it is enough to use a phone with an installed mobile application to pay.
5. Making transactions through the Internet Bank. The holder can at any time check the status of the account, pay for utilities, mobile communications, the Internet and more.

An important advantage of using a bank card is the security of funds. 3D Secure technology and a special chip protect the account from electronic hacking; a PIN code is required to access the funds. It is required to be entered in payment terminals when making any purchase in the amount of more than 1 thousand rubles. If the card is lost, the holder can contact any branch of the bank for its urgent blocking or call hotline jar.

Sberbank card for pensioners: pros and cons

The accrual of interest on the balance on the Sberbank pension card is only one of the many advantages of this product. Open card World with preferential free service can be different categories of citizens to whom the state guarantees social security. These are recipients of all types of pensions, disability payments and more.
Ordering such a bank card is beneficial due to several advantages:

1. The branching of the network of ATMs and bank branches. They are located within walking distance in almost any large, medium or small settlement, this is an important plus in comparison with other banking organizations.
2. Favorable conditions for SMS-informing. In the first 3 months after connecting to the card, it will be free, in the future its cost will be only 30 rubles per month. If you wish, you can refuse it, then it will be possible to control the account only through the mobile application and Internet banking.
3. The ability to set up auto payments for utility bills, cellular communications, the Internet, cable TV and more. This will get rid of unnecessary worries and save time.
4. Participation in profitable bonus programs jar. If the client often pays by card, this will open access to discounts and special offers in major chain stores. Among them are the Pyaterochka chain, the Daughters and Sons children's goods store, and more.
5. The possibility of withdrawing cash from the card at VTB Bank ATMs in Belarus and Kazakhstan. If the client often travels to neighboring countries, this will be very convenient, since it will not be possible to carry a large amount of cash.

The disadvantages of the card include limited possibilities for use abroad. Payment system Mir is just starting to expand, it is not yet possible to use it for payment in stores in Europe or the USA. However, this problem can be solved in the future: the area of ​​operation of the system is gradually increasing.

This card is not issued under salary contract, it is designed specifically for representatives of privileged categories of citizens. The possibility of overdraft or issuance of additional cards attached to the account is not provided.

Thus, an assessment of the pros and cons of a pension card from Sberbank confirms that this is a practical, reliable and profitable financial instrument that millions of Russian citizens can use. The card allows you to protect your funds from theft, saves you from unnecessary expenses for banking services and opens up a wide range of management options.