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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, the main feature of which is that it happens automatically: payment of monthly bills, repayment of loans, transfer of 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 of a third-party bank, a 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 And if a person withdraws an amount that exceeds the limit, you will have to pay half a percent of the withdrawn funds for the service.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 for various purchases and services in the shopping center, shops, catering establishments. 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 the payment of utility bills. 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 a person for some reason lost a 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, subsidiaries operate 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 payroll. 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.

The Sberbank social card for pensioners is allowed to use pension contributions with the maximum benefit for the client. Sberbank of Russia offers special services for pension recipients.

What it is?

Sberbank provides its customers with various types of cards - debit and credit, social and standard, and all of them are worthy of attention. It is possible to issue a bank card based on the needs of a person, and for pensioners, ease of use and loyalty in service tariffs are important when prices are already high. You don’t need to overpay at Sberbank, but you can get benefits and now we’ll consider how.

A social debit card from Sberbank is available to pensioners and persons receiving government contributions under certain programs. Plastic pension cards have significant advantages over conventional cards.

Social cards have more advanced features, which gives the pensioner certain benefits when paying for purchases.

A pension card from Sberbank is issued in the MIR payment system.

The card can be used both to withdraw cash and to pay for purchases in stores or on the Internet by bank transfer, no commission will be charged to the client.

The card looks like a regular debit card with a 16-digit number. Previously, Sberbank for pensioners issued a Maestro bank card with an 18-digit number, which created significant difficulties when paying for purchases via the Internet, since all services were set to 16 digits.

Now this problem is solved, and users can actively perform any action using the card at their discretion.

Video

Applying for a MIR pension card will help create a social account that will not only work for receiving a pension and disbursing these funds, but will also allow a pensioner to make a profit and spend less money when paying for purchases.

Advantages and disadvantages

To understand how a social pension card from Sberbank is more profitable than other cards, you need to learn about its merits. The card also has disadvantages, but they are about the same as those of other banks.

The advantages of the Mir pension card are much greater in comparison with them:

Advantages	Flaws
Free issuance of a pension card.	A limit on cash withdrawals per day is set at 50,000 rubles, per month it will be 500,000 rubles.
The service of SMS-informing in the first two months is provided free of charge.	The cost of servicing the SMS service from the bank in the future is 30 rubles per month.
No annual service fee.	There is no possibility of issuing additional cards.
Free mobile banking service.	You can withdraw a pension from a card at third-party ATMs only with a fee of 1%.
Free use of internet banking.	The downside is where the card is valid - only on the territory of the Russian Federation.
The ability to replenish the card without paying a commission (you can replenish it in various ways - transfers from other cards, through ATMs and bank cash desks, etc.).	Commission for replenishment through ATMs and cash desks of third-party banks is charged according to their tariffs.
Long-term validity of the card is five years.	For the issuance of cash over the limit, the pensioner is charged 0.5% of the amount.
Free reissue of a social card upon expiration.	The fee for reissuing the card at the request of the client ahead of schedule is 30 rubles.
Participation in the "Thank you from Sberbank" program, which allows you to return up to 20% of the cost of purchases in partner stores of the bank and 0.5% of all purchases.
All payments and purchases are made without commission withdrawal within the monetary limit.
The pension is credited to the account and can remain there for a long time and an interest rate of 3.5% per annum will be set on it, which will help to save a little extra money - a kind of contribution.
Using the card, you can pay for utility services at reduced prices.
You can set up auto payment to replenish your mobile or transfer money to other accounts.
You can check the balance on the card for free, receive an extract from your account.

According to pension cards from Sberbank, there are much more advantages than disadvantages. If a person previously did not understand why this particular card was needed, because debit bank cards are also suitable for receiving a pension, now everything is clear. Sberbank's tariffs for servicing the card and providing services are more than loyal, but discounts and bonuses are big pluses that you should not refuse. By choosing a social card from Sberbank, you can improve your life and get benefits.

How are interest calculated?

A big plus is the profit of a pension social card from Sberbank. What percentage of a social card is charged to a person, you can always find out at the time of registration. At the moment it is 3.5% per annum. Every quarter, interest is accrued on the amount of the balance on the card - a “gift” to a pensioner from Sberbank. Accrued interest can be capitalized or withdrawn, it all depends on the wishes of the pensioner.

Important point If you put money on the pension card from another account, or by crediting, then interest will not be accrued on them. The bank accrues profit only on pension payments remaining on the card at the end of every third month.

If you spend money, and then at the end of the third month "throw" it on the card, then nothing will come of it.

To whom is the social card available?

Social cards can be issued at Sberbank only by certain groups of people. This is quite simple to do, but first you should find out if Sberbank will really accept documents from a person and issue a card.

Who is issued a pension card from Sberbank:

• People receiving an old age pension.
• Persons who have received a disability of any group and receive social benefits.
• People who receive a survivor's pension.
• Other categories of people receiving a pension, provided for by the legislation of Russia.

Only persons who have reached the age of eighteen, who are foreigners or citizens of Russia, can issue a pension card, provided that they have official registration in the country.

How to get a social card?

In order to open a pension social card, you must:

1. Go to the official website of Sberbank.
2. Go to the "Private Clients" section.
3. Follow the links - bank cards - debit cards - MIR pension card.
4. At the very bottom of the page that opens, there will be an online application.
5. You must fill in all the indicated fields and enter the data on the documents.
6. Choose the address for receiving the card and come for it at any convenient time during the working hours of Sberbank, after informing the employee of the pensioner about the readiness of the card.

The procedure for applying at a bank branch will be easier. All documents must be collected in advance and come with them to the bank. The employee will take photocopies and tell you what papers to fill out.

The social card will be ready within ten days, or even earlier.

How much does it cost to release? Free of charge and this is a big plus, Sberbank takes care of pensioners and does not take extra money from them.

Documents for issuing a social card

When applying online or at a branch of Sberbank, you will need to indicate or provide a number of documents required to open a card. A person will definitely need:

• Passport.
• SNILS.
• A document confirming the receipt of pension payments.
• Application form.

This minimum document package can also be reduced if a person receives a pension from Sberbank.

Then you just need to contact the bank with a passport and ask to issue a MIR social card instead of an existing debit card.

Video

There are a lot of debit cards in Sberbank of Russia, but even status cards cannot boast of the opportunities that are provided to owners of Maestro "Social" plastic. This is the best option for crediting and maintaining a pension / allowance with the possibility of accruing interest on the account balance. You can pay with the card in stores, make purchases via the Internet, etc. Let's talk about her today.

The cost of servicing the "Social" card

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

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

Reissue due to expired will be free of charge.

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

But for an unauthorized overdraft, penalties are charged in the amount of 40% per annum from the minus.

Internet banking upon receipt of a Sberbank Social Card

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

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

Here I would like to immediately note that logging into the Internet bank without connecting the Mobile Bank is impossible. So the first step is to connect it. The client is given 2 tariffs to choose from: “Full” and “Economic”.

In the first case, when performing any card transaction (crediting, debiting, paying, 3D-Secure), SMS messages with detailed information will be received, and the cost of monthly maintenance will be minimal.

The Economy package is free, but you will not receive SMS messages about transactions, but you will receive messages with 3D-Secure codes necessary to enter the Internet bank and make transactions in it.

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

Cash withdrawal fee

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

Accordingly, any operations for debiting and crediting funds at ATMs, branches and cash desks of Sberbank will be free.

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

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

If you need to find out the TIN, BIC or other details of the bank, then they can be viewed in the "About the Bank" tab on the main page of the official website on the Internet.

Cashback and interest on account balance

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

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

Cons of a Sberbank debit card

At "Social" debit card of Sberbank there is only 1 significant drawback - it does not work in ATMs of third-party banks. This means that if Sberbank ATMs suddenly stop working in your city (fantastic, but still), then you will not be able to withdraw money. Otherwise, the card has some pluses. Judge for yourself: free issuance and maintenance, all operations are commission-free, and the possibilities are like a regular debit card of any other bank.

They can receive additional income from such an account. How interest is calculated on a Sberbank pension card is described in this article.

The specifics of the pension program of Sberbank

Sberbank's pension program is implemented through MasterCard and MIR pension cards.

Starting from July 2017, recipients of pension payments who have acquired the right to such assistance after this date, as well as those whose respective bank cards have expired, will be able to receive bank cards issued exclusively on the basis of the Russian national payment system MIR.

General conditions for granting MIR pension cards:

• holders are citizens of Russia, foreigners and stateless persons over 18 years of age who are entitled to pension payments. An additional condition is the presence of permanent or temporary registration in the country;
• payment system - MIR;
• account currency - Russian ruble;
• validity period - 3 years. Then you should apply with a passport to the bank office where they issued the card in order to get a new one;
• service is free;
• contactless payments – available;
• chip protection - available;
• issue of an additional card is not allowed.

Thanks to the Sberbank pension card, its holders can:

• pay for goods and services by bank transfer in stores and on the Internet within the territory of the country: such cards are not served abroad. Settlements in the region where the product was received, as well as transfers to other bank customers in the same area, are carried out without commissions;
• receive information about the movement of funds on the account, as well as manage it within the Mobile Bank service. The first two months of using the service are free. Then, if you connect the "Full" plan, the fee will be 30 rubles per month. The Economy tariff is provided free of charge, but its functionality is limited;
• use the Sberbank online service. In the personal account, the client can pay for utilities and communications, make purchases, issue "Auto payment", control the account, and so on. The service is provided free of charge;
• enjoy discounts under the Active Age affiliate program;
• become a member of the "Thank you" cashback program;
• receive interest on a Sberbank pension card.

The bank's pension program also involves taking care of future pensioners through the investments of NPF Sberbank. The organization attracts funds transferred by employers in order to form the funded part of the pensions of its employees until 2014. At the moment, the formation of such pension savings has been temporarily suspended.

The amounts received from employers are invested in high-yielding securities of Russian issuers. The safety of savings is guaranteed by the Deposit Insurance Agency.

The percentage of the funded part of the pension in Sberbank, based on the results of the work of the NPF for 2016, reached the level of 9.6%.

How to transfer a pension to a card account

To apply for a pension transfer to this card, you need to contact one of three places:

• branch of the FIU;
• branch of Sberbank;
• branch of the MFC.

Any of these branches must be located in the region of your permanent registration. Alternatively, you can complete the application online at the following link.

With you, be sure to take, in addition to an identity document, SNILS.

Each client of Sberbank can claim no more than 1 pension card issued to his account.

Accrual of interest on a Sberbank pension card

Sberbank allows pensioners to receive income from the balance of funds on a card account. What percentage is charged on the Sberbank pension card - this value in 2017 is 3.5% per annum. The Bank reserves the right to unilaterally change the interest rate by notifying the client in advance.

Interest is calculated every 3 months. The countdown is from the date of issue of the card. For example, if it was received on February 4, then for the first time interest on the Sberbank pension card will be accrued and will go to the card account on May 4, and accruals will be made from February 5.

Income is determined taking into account the balance of funds on the card. The calculations are based on the actual number of days in both the billing period and the current year (365 or 366).

What percentage will be on the Sberbank pension card under the following conditions:

• account balance - 45,000 rubles;
• the account was opened on 04.02.2017

The calculation for such initial data will be as follows:

• the number of days in 2017 is 365;
• from 02/05/2017 to 05/04/2017 there will be 24 days in February, 31 days in March, 30 days in April and 5 days in May, that is, a total of 89 days;
• 45,000 x (3.5% / 100%) x (89 / 365) = 384.04 rubles.

If you want to keep funds in your account, as well as receive income from this, you can also use one of Sberbank's offers on deposits, where the interest rate can reach 7%, depending on the term of the agreement and its amount.

Reading 9 min. Views 625

Sberbank of the Russian Federation attracts a large number of clients who want to cooperate with a financial institution. The main goal of the bank is to reduce the queues at the cash desks, the transfer of funds will become easier. And also there is a big profit in Sberbank. It is for this that the Maestro Sberbank card was developed.

Description of the Maestro card

Maestro card - what is it? It is a plastic product that belongs to the international payment system MasterCard. This card is a debit card, since interest is charged on the funds stored in the account. Many operations on such a card are not available, since it is a pension card and does not require a large number of functions. But this product is inexpensive to maintain, and some cards of this type are free.

The card has a magnetic stripe and a chip. This card has acquired the main distribution in the social sphere: the accrual of scholarships, pensions.

1. There is also a difference between the Maestro card and the Mastercard and Visa. It consists in the fact that there are 18 digits in the plastic number, and not 16, limited by birds. Within Russia, there will be no problems with cashing out the card. And financial transactions abroad are not available with Maestro.
2. When making plastic, the client can choose the currency with which he will express a desire to work. It can be rubles, dollars or euros.

Types of the Maestro card

Clients are offered the following types of Maestro cards:

1. Social.
2. Momentum.
3. Student.

The cards are not difficult to use, and they can be used by different categories of citizens. You can issue plastic at any branch of Sberbank. There is a function for remote payments.

Maestro's "Social" card

This bank card is intended for elderly people who have retired, and also for the category of the population who are entitled to benefits. Like any product, the card has its pros and cons.

Among the advantages:

1. The service is free.
2. Auto payment service is available for some virtual payments. All the details can be found on the representative website.
3. It is allowed to participate in bonus programs.
4. Transfer to the card of various kinds of social payments.
5. The validity period is three years, after the expiration of this period of time the product is reissued.
6. Almost all ATMs and terminals accept this plastic.
7. Card reissue - no additional charge.
8. The balance is charged at 3.6% per annum.

Among the disadvantages:

1. This product is serviced exclusively in Russia.
2. Payment is made only in rubles.
3. If the pensioner is employed, his salary will not be credited to the Maestro. The card does not provide for this.

Maestro Student card

The name of the card "Student" already speaks for itself. It is intended for the category of people studying in universities. This is what the list of student card features looks like:

1. Payment by card in shopping centers is carried out without commission.
2. The scholarship and other payments are transferred to her account.
3. The Mobile Bank application is available, thanks to which it is possible to check the card balance or replenish a cell phone account.
4. The client can choose the plastic design at his discretion.
5. Annual maintenance is only 150 rubles per year.

This card has no significant shortcomings.

Maestro's Momentum Card

This personal card is intended for people who need plastic urgently and do not have time to wait several days or weeks. How many days will it take to issue and receive a card? You can get it done in one day. To apply for it, just contact the nearest branch of Sberbank.

Positive aspects of opening the card:

• instant registration - in the shortest period of time;
• all financial manipulations are available on the territory of Russia;
• there is an "Auto payment" service;
• service is free.

Negative sides:

• the possibility of use only within the native country;
• there is no reissue; in case of loss - only re-registration.

To whom and how is the Maestro card issued?

Who is eligible for social credit? The type of plastic in question can be issued by the following categories of people:

1. Individuals who are entitled to an old-age pension.
2. Individuals who receive social assistance.

Maestro is issued by Sberbank to people over the age of 14 who meet the following features:

1. The presence of Russian citizenship and registration at the place of registration.
2. If a person is without permanent registration, a special decision of the bank is required, allowing the issuance of a card.

In order for a person to be able to apply for a pension on this type of card, he needs to:

1. Pay a visit to the branch of Sberbank.
2. Provide a passport and a document confirming retirement. It is not necessary to bring a photo.
3. Submit an application.
4. Submit an application to the pension fund so that the money is transferred to plastic.

The waiting time before receiving the card is about ten days.

In order for a citizen to issue social plastic Maestro, you need to perform simple manipulations:

• come to the representative office of Sberbank with the necessary documents (passport, pensioner's certificate);
• fill out an application (according to the established model), representatives of the financial institution will help to do this accurately;
• ten days later, if the decision was made in favor of the holder, come to the bank branch and pick up the plastic;
• when the plastic is on hand, you should go to the pension fund and write another application, which will indicate the desire to receive payments for a plastic product.

Possibilities of Sberbank cards

Sberbank plastic for social needs is capable of performing almost all the actions that are available to all other products. Among the main possibilities are:

1. Withdrawal of finances through ATMs and branches of a financial institution.
2. "Mobile Bank", which helps to make auto payments in the field of housing and communal services on time and replenish the balance of the phone if the pensioner forgot to do it on time.
3. If the terminals accept the Maestro card, you can pay for the purchase remotely.
4. Make transfers.
5. You can put money on the card in any way convenient for the user.
6. The “Thank you” service is available, which allows you to accumulate bonuses.
7. 3.5% per annum is charged on the balance of plastic.

In certain stores, as well as pharmacy kiosks, the plastic holder is given a discount.

Card expiry date

The time during which the Maestro is active is three years. The end date is stamped on the main side of the card. When receiving a card, the user receives an envelope in which he finds a pin code. This code will be used by a person when performing operations through self-service devices.

When the card expires, the plastic becomes inoperative, and the bank automatically launches the card reissue function. In case of refusal of the product, the client must inform the employees of the institution about this, two months in advance. Otherwise, the credit card will be issued and the person will need to pay for the service.

What can I do with my Maestro account and card?

The following balance operations are available to the holder of a Maestro card from Sberbank:

• cash can be obtained through an ATM, terminal, savings bank throughout the Russian Federation;
• there are subsidiaries abroad that will help cash out the card;
• "Auto payment" (the possibilities of this service can be obtained from the bank operator or on the official website);
• it is allowed to make a non-cash payment to the legal entity for the services or goods provided;
• in outlets where there is a Maestro card logo, you can make a payment by plastic;
• pay for goods on the Internet;
• use the Mobile Bank and Sberbank Online applications;
• transfer money to the card both in cash and by bank transfer.

Restriction in use

Maestro is quite convenient to use and transfer certain types of payments to it. But there are also limitations that the user must take into account when designing the product.

The card is serviced exclusively at ATMs, terminals of Sberbank.

Outside of Russia, you can perform actions with the card only in subsidiaries.

All monetary manipulations take place in Russian rubles.

Accrued interest on the balance of funds

One of a number of positive aspects that a credit card has is the accrual of interest on the balance. They are calculated according to the following parameters:

• the amount of the rate that goes to the account is 3.5 percent per annum;
• interest capitalization - every quarter.

Tariffs for servicing Sberbank Maestro bank cards

In addition to interest, bank representatives have developed tariffs, according to which a plastic card is serviced. The main parameters are:

1. The cost of providing services for one year is free.
2. When purchasing an additional credit card - plus 150 rubles annually.
3. Initial investments on the balance sheet are not provided.
4. If there was a loss of the product, you can pause the activity - it will be free.
5. Reissuing a card is a free procedure.
6. The limit that a Sberbank credit card has is 10,000,000 rubles per day.
7. When receiving cash from the card, no commission is charged if the limit is not exceeded. If the limit is exceeded, 0.5% is deducted from the exceeded amount.

Discounts on goods and services when paying with a Maestro bank card

Maestro's social card provides discounts in some retail premises. In which stores a person will be able to use the discount, Sberbank sets individually in each region. The most common are benefits in pharmacies.

Additional services

In addition to the basic services that are available for a plastic card, there are additional options that make life easier for the client. Among them:

1. Sberbank Online.
2. Mobile bank.
3. Auto payment.

Such services allow you to use the card efficiently and productively. But there are conditions - you have to pay for additional functions.

How much does it cost to service a Sberbank Maestro card?

The main services used by a Sberbank client during the year are provided free of charge. You should pay only for additional services, if they are necessary.

Regarding additional services, the mobile banking application can be used free of charge for the first three months, starting from the fourth - the service costs a certain amount.

Pros and cons of the card

Among the advantages of the card are:

1. Issuance of an additional Sberbank plastic card for one of the family members, if necessary.
2. Quick cash withdrawals at Sberbank ATMs both in Russia and abroad.
3. Payments and transfers can be made through the terminal yourself.
4. The balance of the account increases due to the accrual of annual interest.
5. A mobile bank will help you control the movement of finances on your balance sheet.

The disadvantages include:

1. High interest for people of retirement age if the amount is withdrawn in excess of the daily limit.
2. Inability and fear to use a plastic card (applies to pensioners).
3. In a rural settlement, the use of the map is almost impossible, since there is no appropriate equipment.
4. Credit card service is limited to the territory of Russia and subsidiaries outside the home state.
5. Risk of incorrect PIN or verification code entry. In this case, funds will not be transferred to the balance sheet.

Conclusion

The MAESTRO social card is beneficial and easy to use for the elderly and students, since only a certain type of income is accrued. It has a lot of positive aspects, in comparison with which its disadvantages are almost not noticeable. This type of plastic is practical in that it is issued for certain purposes and charges. Therefore, in the future there will be no confusion with enrollments, since there is a convenient product for receiving pensions, social payments and scholarships.

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Alexander Ivanovich

Expert in electronic payments on the Internet.