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 pensioners to no longer stand in line to receive monthly payments: money is credited to the account at the specified time, and users of the product also 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. To replace it, 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.

Cardholders have access to mobile banking services and SMS informing; 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? The holders of this product have a number of additional opportunities. 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 maintenance. 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 the bank's hotline.

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. Various categories of citizens to whom the state guarantees social security can open the World card with preferential free services. 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 of the bank. If the client often pays by card, this will open access to discounts and special offers in the largest 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. The Mir payment system is just starting to expand; it is not yet possible to use it for payments 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.

Such a card is not issued as part of a salary agreement; it is intended 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.

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 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 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 seniors

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.

Sberbank's Maestro (Maestro) "Social" card is a card for pensioners who receive pension accruals to their account: see interest and limits below.

It is intended not only for receiving pension payments. It is a hybrid of a debit card and savings book with interest accruing on the account balance. Sberbank pension card Maestro (Maestro) "Social" is becoming more and more popular in Russia. The bank's analysts attribute the increase in the number of cards to the natural growth in the number of pensioners, many of whom received their wages on bank cards in recent years and understood the convenience of using them.

Social card of Sberbank for pensioners Maestro (Maestro) has a number of advantages, including:

• Free service for the entire duration of the card (three years).
• The possibility of making cashless payments in stores, as well as discounts from partners.
• Connection to the Thank You from Sberbank bonus program and the Sberbank-Online service.
• The ability to replenish the balance of the card through the terminals and branches of Sberbank. At the same time, replenishment can be carried out not only by the card holder, but also by his relatives and friends.
• The ability to withdraw cash throughout Russia without commission.
• Deposits and loans at preferential rates.

Sberbank social card for pensioners: interest

Many want to know what percentage is charged to the pension card of Sberbank Maestro (Maestro). We answer: 3.5 percent per annum on the balance of funds on the card. BUT! Interest is charged not every month, but after each three-month period from the date of opening the card account!

They also ask what are the interest for cash withdrawals from the social card of Sberbank. Here the situation is more complicated:

- Through ATMs serviced by Sberbank of Russia, cash in rubles is issued free of charge without commission.

- Through the cash desk in the branches of Sberbank of Russia in the amount of up to 150,000 rubles. inclusive per day - free of charge, and in the amount of more than 150,000 rubles. 0.5% of the excess amount of 150,000 rubles is charged per day.

- In other financial institutions they can take 1% of the amount, but not less than 150 rubles. (Excluding the commission charged by a financial institution for cash withdrawal by card).

It must also be remembered that the limit for issuing cash from a card through an ATM is no more than 150,000 rubles. per day.

How to apply for a Sberbank Maestro pension card (Maestro)

To obtain a Sberbank social card for pensioners:

1. Contact the Sberbank office.
2. Provide a passport of a citizen of the Russian Federation and a document confirming the receipt of a pension.
3. Fill out and sign the application form for a card.
4. Get a map.

The information is not a public offer. Find out more on the official website or in Sberbank branches.

The usual savings book from Sberbank has now been replaced by a plastic bank card, as its worthy alternative. The obvious convenience of the card has already been appreciated by many pensioners, who are among the most active consumers of banking services.

Such a modern financial document as a Sberbank pension card is chosen by pensioners as a cash accumulator. It saves them time and energy. In addition, there are other beneficial aspects of owning a pension card.

Choosing a convenient social card for retirement

With a Maestro or MIR card, every pensioner will forget about the queues for their money.

Retirement debit cards, unlike ordinary ones, are issued by Sberbank in a short time, which, you see, is very convenient. A social card, like a regular passbook, is completely free for pensioners. Today there are two types of social cards:

1. social Master Card Maestro;
2. social card MIR (the first domestic payment system that is independent of world analogues).

Sberbank will not charge a commission or interest either for servicing these cards or for issuing them. All current operational activities are also free. You freely withdraw money from Sberbank ATMs, pay for services at its self-service terminals, pay for your purchases, etc. To the logical question from pensioners about what is actually more convenient now: a plastic card or a passbook, the answer will be unequivocal, this — social pension card of Sberbank.

Important! The card allows you to profitably store the pension accumulated on it.

Making a social card

How can I apply for a pension on a social card? Actions are not difficult:

1. contact the nearest branch of Sberbank;
2. provide your civil passport and pensioner's certificate;
3. together with a Sberbank specialist, fill out the application form for issuing a card and sign it;
4. receive the details of your card account, then transfer them personally to your attached division of the Pension Fund of the Russian Federation. This can be done through the mail, or using the website of public services.

Now your pension will be regularly and timely transferred to the card. At the moment when you submit an application to the Pension Fund, do not forget to clarify when the pension will be accrued on the Sberbank card - you must calculate the new receipt period.

An SMS message will notify you about the receipt of a pension on the card via a mobile phone. The first two months such messages will be free for pensioners.

If your pension is transferred from the Pension Fund to a Sberbank social card, then it will be kept relatively safe on it.

Note! The first transfer of the pension to your Sberbank pension card will be made after 1 payment period: this means that you receive the next pension as usual, but the next one will go to the card.

Sberbank accrues interest on the money that remains on your pension card account in the amount of 3.5% per annum. The Bank transfers interest to the card account every three months, starting from the date of opening this account. In addition, owning a card opens up the possibility of accessing other banking services, for example: non-cash payments, money transfers, as well as remote (online) management. Most Russian pensioners are well aware that if a pension is transferred from the Pension Fund to a Sberbank social card, then it will be kept relatively safe on it.

Let's say that you have already decided to evaluate all the beneficial advantages of plastic cards on your real experience, but still think that modern technologies will be difficult and difficult for you to implement? We advise you not to panic, and in any case not to worry, because the simplest manipulation with a bank card is elementary. A little practice - and you will be able to independently carry out all the actions on a plastic card.

Do not hesitate to look into the branches of Sberbank, where its specialists will always help you.

Card loss and recovery

If the card is lost, then you can quickly block it and get a new one. You are guaranteed to receive the rest of the money from the blocked card at the bank branch upon presentation of your passport. A very important circumstance should be taken into account: such an opportunity to quickly restore the card cannot be a reason for frivolous carelessness. Do not trust the secret PIN-code of the card to anyone, and do not keep it near it!

Convenience of a card compared to a passbook

Cashless payment for all goods in stores through card terminals is a great opportunity for owners of a pension bank card.

The practical and useful functionality of a plastic card is very wide. The undeniable advantages and available benefits of the social pension card are the following services:

1. you can receive a pension or other social benefits, as well as money transfers, without going directly to a bank branch: it is enough to withdraw as much money as you need at the moment at the nearest ATM;
2. money is withdrawn from the card without any commission;
3. you can pay for online purchases in online stores;
4. pay for housing and communal services, mobile communications, transfer funds to Sberbank customers;
5. interest on the pension card is accrued on the non-reducible balance and is paid quarterly by transfer.

Today, every pensioner has a mobile phone. When you connect the "Mobile Bank" service, all money will be under round-the-clock control. For 30 rubles a month, you will receive messages about the movement of funds in your account, as well as perform the necessary manipulations, for example, pay for cellular communications, transfer money to the account of another Sberbank client.

If you, or your relatives and friends who are of retirement age, are tired of waiting for the postman to arrive with a pension, tired of being “attached” to this event, then Sberbank recommends making a decision to transfer the pension to a bank card. Discover the diverse range of possibilities of modern plastic cards!

More and more citizens who have reached retirement age or receive social benefits due to health reasons are realizing the benefits of receiving a pension on a card. First of all, they are expressed in the fact that the money is instantly credited to the card within the specified period, and the owner can start using it regardless of where he is at that moment: at home, on vacation, in a medical institution, visiting relatives. It is also important that the degree of security of the money stored on the card will not allow outsiders to gain access to them without the knowledge of the owner.

Pensioners, who are among the most active users of banking services, prefer to receive pensions and social contributions on Sberbank cards, a bank secured by state guarantees. We will tell you not only about the conditions of the Sberbank pension card, but also about current innovations regarding owners of pension and social accounts.

Types of pension cards from Sberbank

Until recently, when opening a card for transferring and storing a pension, it was possible to choose any of the payment systems:

• Maestro;
• Mastercard;

In connection with the requirements of the law “On the National Payment System”, which guarantees access to transactions without the participation of foreign organizations, Sberbank pension cards are issued exclusively within the Russian MIR system.

WORLD

Not only Sberbank, all banks of the Russian Federation, within the framework of the current legislation, transfer state pensions and benefits only to cards serviced by the MIR payment system.

Therefore, you should be prepared for the fact that when the Maestro or MasterCard pension card expires, the MIR card will be reissued.

With a planned reissue, you should not worry, everything will remain unchanged for the holder:

• card account number;
• rate;
• Terms of Service;
• connected services package.

The Sberbank MIR pension card is available for use throughout the Russian Federation. The card can be used abroad only in Armenia and South Ossetia.

Maestro and Mastercard

Pensioners who have Maestro or MasterCard cards in use can continue to use them until the expiration date, but no later than July 1, 2020.

At the time of the scheduled reissue, the product will be automatically replaced by the MIR Pension Card. The holder will only have to pick up a new card with the saved:

• PIN code;
• unique number;
• balance;
• conditions;
• tariffs;
• additional services.

If you wish, you can, without waiting for the expiration date, apply for a free MIR card in any convenient way, through:

• official website of Sberbank;
• Internet banking system Sberbank-Online;
• additional office.

Tariffs and conditions of social cards

A social card with a validity period of 5 years, used to receive funds from public sources, is serviced by the bank free of charge during the entire period of use.

The cardholder can be guaranteed to increase pension accruals if the unused money continues to be kept on the card account. Indeed, on the balance of pension funds on the card, an income of 3.5 percent per annum is accrued quarterly. Moreover, money can be withdrawn and deposited without any restrictions.

A pension card, like any other, can fully participate in the incentive loyalty system called “Thank you from Sberbank”. After the card is registered in the program, the participant will be able to:

• receive points for each purchase from the card from 0.5 to 30 percent of the amount;
• use points as a means of payment, saving your own savings.

Scheduled reissue of the card is carried out without charging a fee from the holder, with an unscheduled reissue, carried out at the initiative of the holder, 30 rubles are charged.

With the MIR pension card, you can pay at retail outlets without letting go of it, just barely touching the screen of the reader. This is possible thanks to the use of contactless technology, which allows you to pay for purchases without:

• entering a PIN code;
• card presentation.

Client Requirements

Requirements for an applicant for a pension card are standard for obtaining a debit card:

• the presence of Russian citizenship;
• reaching the age of majority.

In addition, it is necessary to document the emergence of the right to receive a pension or other social benefits.

How to get a pensioner's card?

If you want to receive a pension on the card, you need to apply. This can be done when visiting a branch of the Pension Fund or the Multifunctional Center. But it is best to interact directly with Sberbank, especially as already being its client.

At the branch of Sberbank

When visiting a branch of Sberbank, be sure to take the original documents with you:

• Russian passport or other official identification;
• insurance number of an individual personal account (SNILS);
• certificate from the Pension Fund of the Russian Federation on the appointment of social benefits.

After filling out the application, you will have to wait for the card to be ready within:

• 2-3 days when applying to the department of the regional center;
• 3-10 days when applying to the branch of the city of the region.

Delivery times to remote locations can be extended up to 15 days, most often due to possible adverse weather conditions that prevent prompt delivery.

Online

You can apply for a Pension Card online. This requires:

How to use the pension card?

Immediately after receiving the card, you must activate it:

• During the day - with the help of a bank employee.
• Instant:
• by inserting the card into the terminal;
• by typing a PIN code;
• by making any operation or simply requesting a balance;
• after completing the service.

You can find out how much money is currently on the balance sheet in one of the convenient ways:

• by sending an SMS to service number 90-0 containing the song “BALANCYYYY”, in which YYYY is the last four-digit block of the card number;
• by going to the main page of the mobile application or automated service Sberbank Online;
• by inserting the card into an ATM and using the “Find out the balance” section.

The Bank does not impose restrictions on trading operations carried out using the card. But the cardholder, in order to optimize costs, has the right to independently determine how much money from the card can be used for non-cash transactions per month. An employee of the branch that issued the card will help you make the settings.

The World card for pensioners is designed to store not only pensions. It can be replenished with your own savings:

• by bank transfer from any debit card through Sberbank Online or by SMS order;
• cash at an ATM or cash desk of Sberbank.

Mobile bank

By connecting a mobile bank, the client will receive notifications of all transactions made on the card. And also with the help of special commands in the SMS format to manage their own finances.

A full package of SMS notifications for the first two months after card activation is provided free of charge, starting from the third month - 30 rubles will be charged monthly.

How is the pensioner's interest calculated?

If a pensioner uses the card for non-cash payment for purchases and services, and keeps the remaining money on the card, then he can earn extra money. Interest is calculated as follows:

For example, if 20 thousand rubles are stably stored on the card, then in three months an amount of about 300 rubles will run up.

How to get cashback on the card?

Habitually using the card in stores, pharmacies, gas stations, a pensioner can receive cashback, that is, an additional reward in the form of bonuses. The minimum amount of bonuses is 0.5 percent of the transaction amount, but can reach up to 30% and even 50%, depending on the partner organization that serves the client. Accumulated bonuses can pay off part of the cost of further purchases.

To receive privileges, you need to register on your own or with the help of relatives in the “Thank you from Sberbank” system. There are many ways to activate participation, but the most accessible one is sending SMS to 90-0 with the text “THANKS YYYY”, where YYYY are the last four digits of the pension card.

Shares on pension cards Sberbank

Cardholders can count on profitable marketing campaigns conducted by the MIR payment system. For example, to receive a refund on the card:

Advantages and disadvantages of a pension card

If we compare the pros and cons of a pension card from Sberbank and present the results in the form of a table, then it will look like this:

Advantages	Flaws
Free release and free maintenance for the entire period of use	Cannot be used abroad
Payment for purchases and utilities in stationary points and via the Internet	It is necessary to open an additional account in other payment systems
Money transfer through terminals and Sberbank Online	Not all outlets accept the MIR card due to the lack of software
Accumulation of points in the “Thank you from Sberbank” system	Paid Mobile Banking Services
Free scheduled reissue	Paid voluntary reissue
Secure contactless payment	Can't pay by phone
Receiving cashback from MIR payment system
Guaranteed income of 3.5 percent on the balance
Additional services at a reduced price
Maximum interest when opening a deposit

FAQ

One of the most frequently asked questions concerns the security of contactless payment.. - The popularity of payment products with contactless payment is an additional confirmation of the safety of this technology. In addition, the card is always in the hands of the owner, so it is impossible for fraudsters to access the data. The system prevents from:

• double write-off of money;
• unauthorized withdrawal of money.

If, in case of loss of the card, the money is illegally spent, the bank will reimburse the damage in full.

Many are interested in the early reissue of the card associated with its loss, will the unique number be preserved?- If the card is reissued before its expiration date, the holder will receive a new card with a new twelve-digit number but the same account number.

How to quickly block a card?- Call the number that everyone knows - 900. If you have a mobile application, go to it:

• open the "Maps" section;
• select a card and click the "Block card" button.

How to cancel a card?

The pension card holder has the right to close the debit account on his own initiative. To do this, you need to visit any additional office of Sberbank, not forgetting to take your general passport with you. Once at the bank branch:

• Get an electronic queue coupon by selecting the "Bank cards" section.
• Approach the teller's window after announcing the number indicated on the ticket.
• Present your passport and tell about the desire to refuse the card.
• Fill out an application for closing a card account, indicating the method of receiving a possible balance of funds:
• in cash after closing the card account at the bank's cash desk;
• transfer according to the provided details.
• The Operator will help you:
• close existing debts for bank services, if any;
• disable services and services.

The card account will be closed 30 days after the submission of the application. It is advisable to visit the bank again in order to:

• hand over the physical carrier of the account - a plastic card;
• obtain from the operator a special certificate indicating the absence of financial obligations on the part of the holder.

What is the withdrawal limit for debit cards?

With a debit card, including the source of replenishment of which are pension accruals, you can withdraw the required amount of cash without any problems. It is important that you can withdraw cash from cards that offer free service at automated devices and cash desks of Sberbank for free, that is, without paying a commission fee up to 50 thousand rubles per day. And per month from:

• pension card up to 500 thousand rubles;
• Momentum up to 100 thousand rubles.

And for example, the withdrawal limit from the Classic card is three times higher:

• per day - 150 thousand rubles;
• per month - 1.5 million rubles.

When cashing out money at ATMs or cash desks of any other Russian banks, you will have to pay 1% of the amount received for servicing.