Sberbank is one of the few representatives of large Russian business that takes its social function seriously. It is not surprising that the bank's specialists have developed such a popular product as MIR debit card from Sberbank for pensioners.

More about the card

The main feature of the card WORLD for pensioners, which is issued by Sberbank, are extremely favorable conditions provided to this social group of clients of the leader of the country's financial industry. This product is noticeably more attractive than similar offers of the vast majority of other banks.

Differences and key features

The most important differences of a debit card WORLD for pensioners, which Sberbank offers, are as follows:

• absolutely free production and maintenance of plastic. Moreover, the reissue of the card after the expiration of the previous one also occurs without charging any fee;
• accrual of interest on the balance of funds placed on the card. Today, this interest rate is 3.5% per annum;
• provision of preferential service of SMS-informing the client. The first two months, the notification is free of charge, and then the monthly payment for using the service is only 30 rubles;
• extremely convenient procedure for obtaining a pension. Funds are automatically and very quickly credited to the card balance immediately after they are transferred by the Pension Fund.

Photo #1. The most important features of the MIR pension card issued by Sberbank

Conditions for obtaining and validity of the MIR pension card from Sberbank

In order to apply for a MIR pension plastic card, it is enough to fill out an appropriate application in one of the three bodies located at the place of registration of the pensioner:

• PF department;
• Sberbank office;
• branch of the MFC.

When filling out and submitting an application, a pensioner will need to provide only two documents. The first of them must confirm the identity of the client, and the second - the right to receive a pension. In addition to the application, you will need to additionally fill out a Sberbank client questionnaire, the data of which is necessary for issuing a MIR pension card. The plastic is produced automatically, and the client is notified in advance of the possibility of obtaining it. The standard card validity period is 5 years.

The cost of servicing a MIR debit card of Sberbank for pensioners and tariffs

As noted above, the production and maintenance of the card in question is carried out by Sberbank free of charge. The only case when the client will have to pay, and only 30 rubles. - the need for early re-issuance of plastic in case of its loss or change in the user's full name.

Other most important tariffs offered by Sberbank to holders of MIR pension cards are as follows:

• replenishment of plastic at the cash desk and ATMs of a financial organization does not provide for a commission;
• payment by card for any goods or services in a non-cash form is also carried out without commission;
• cash withdrawal at the cash desk of Sberbank or at one of its ATMs within 50 thousand rubles. per day and 0.5 million rubles. per month is also completely free. If the specified limits are exceeded, the commission is 0.5%;
• cash withdrawals at cash desks and ATMs of third-party financial institutions are subject to a commission of 1%.

Photo #2. Tariffs offered by Sberbank on the MIR social card

How to issue and receive a social card?

Simple and convenient procedure for obtaining a pension card WORLD, which is often also called social, was described above.

It is important to note that today's domestic legislation provides for the possibility of receiving pensions at the present time exclusively on cards of the national payment system WORLD.

It can be either plastic from Sberbank or other credit organizations in the country.

Refusal of the MIR card to receive a pension

However, if the pensioner is unwilling to receive the funds due to him on a bank card WORLD he has the right to write a corresponding application to the Pension Fund of the Russian Federation. At the same time, he does not have the opportunity to issue a pension on cards of other payment systems, so the issuance of money will be carried out in the classical way, exclusively in cash.

Advantages and disadvantages

The main advantages of the MIR pension card from Sberbank are two factors: free production and maintenance, as well as interest on the account balance. In addition, one should not forget about the low tariffs for SMS informing and cashing out, which makes using the card more convenient and profitable for customers.

To the disadvantages of plastic WORLD for pensioners issued by Sberbank, the impossibility of opening a foreign currency account should be attributed. In addition, today not every payment terminal supports the system WORLD, which can cause certain difficulties in servicing in some outlets.

Photo #3. Most of the pros and cons of a Sberbank pension card are associated with the use of the MIR system

When it comes to issuing a Sberbank card that would meet all the basic requirements of a Russian client, while remaining free, it is impossible not to mention Maestro plastic. Not related to any of the international payment systems, plastic retains all important functions, and only some actions are limited. The Maestro card of Sberbank is designed primarily for the social needs of the population, allowing it to serve students, pensioners, and recipients of benefits free of charge.

Since the advent of the Mir payment system, some Maestro users have switched to new cards with a 5-year validity period. Some pension recipients still use Maestro, but by mid-2020 all pensioners should be transferred to Mir.

The Maestro card is a payment product that emerged in 1991 as a project of the international companies MasterCard WorldWide and Europay International. Maestro works by analogy with Cirrus, Mondex, but is not directly connected with Mastercard in the standard sense.

The card is safe to use, has a chip and a magnetic strip, allowing you to freely pay for goods in stores and current payments. The product is intended for recipients of social payments from the budget, various benefits and scholarships, but supports the same functions required to manage their own finances.

Payment for the card, if it happens, does not exceed 300 rubles per year, and every client who applied can receive it.

A distinctive feature of plastic was a number consisting of 18 characters, when in Visa and Mastercard numbers are represented by a 16-digit digital combination.

Although plastic is related to the international system, it is not worth traveling abroad with it, as there will certainly be difficulties with bank transfer settlements and cash withdrawals. Do not accept it for payment and many online stores. Before placing an order, you should make sure that the seller accepts this type of plastic for payment.

In the line of cards of Sberbank, Maestro is singled out in a separate category, represented by 3 varieties:

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

Each of these cards is debit, but there are some differences between them that will further affect the service at Sberbank. Issuance of credit cards within the framework of the Momentum line is not provided. It is assumed that the card will be able to pay abroad, and the user will even be offered to choose currencies for settlements (rubles, dollars, euros), but in practice, many faced problems when making remote payments in other countries.

It is worth understanding in more detail the different options for plastic in order to draw the right conclusions and be satisfied with the chosen level of service.

The first in the line of debit cards from Maestro is the social card of Sberbank. As the name implies, it was issued specifically for the elderly and beneficiaries applying for assistance from the state.

The Maestro Social debit card has its advantages and disadvantages. The client can receive a card and be serviced at Sberbank without additional service costs.

Users have access to the functions of setting up automatic payments for a comfortable and timely deposit of money on utility bills, for communications and the Internet.

Remaining free, the card makes it possible to earn by writing off “thank you” bonuses both through standard deductions for all categories of non-cash payment, and through increased bonuses from partners - discounts up to 30%.

The card will work for a 3-year period, accepting credits and keeping personal savings with a profit of up to 3.6% per annum. To use plastic abroad, you need to make sure that there are Sberbank branches in the country of visit that serve this kind of plastic. For example, Sberbank is represented by a subsidiary in Belarus, so Belarusian customers will be able to use the payment instrument in accordance with the intended functionality.

The card cannot be used to receive salary deductions. If a pensioner is employed and earns money, indicating the details of the Maestro plastic is not welcome.

The card for students is intended for receiving scholarships by students of educational institutions operating in Russia. The student card can be used for shopping in stores, paying bills and other needs of young citizens.

To order plastic, it is necessary to coordinate this issue with the administration of the educational institution, because it is she who regulates the issue of transferring youth scholarships.

At the service of holders is the Mobile Bank application for checking the balance, paying for cellular communications, current payments without ATMs and visiting branches.

Customers retain the right to participate in the loyalty program and receive bonus points, which can then be exchanged for a real discount when paying for goods in partner stores.

Although plastic does not belong to the category of free, its maintenance is the cheapest of the entire line of paid cards (150 rubles).

For those who urgently need to receive payment plastic for further payments, it is proposed to issue a Momentum card. At the request of the client, the bank
releases immediately, because it does not involve putting a name on the plastic.

With the help of an instant card, all basic operations on a card account are performed, including transfers to individuals and organizations. Holders can set up auto pay so they don't miss important recurring payments. The rules of issue do not provide for the re-issuance of an instant card, planned or lost. The geography of using the card is also limited: only within the Russian Federation. The Maestro card is positioned as an entry-level plastic card, since a number of restrictions on functionality and territory of use have been established.

The Maestro card has a validity period of 3 years. It is necessary to control the expiration date of the validity period: it is indicated on the front side of the plastic at the bottom in the format MM / YY. If it is written on the plastic that the deadline expires on 01/20, this means that the last day of validity will be January 31, 2020. It is recommended to take care in advance to update the payment plastic, without waiting for the moment when the ATM refuses to serve it. For existing customers, Sberbank has provided for automatic re-issuance of plastic so that the customer can receive a new one on the first request in a timely manner. To refuse a card that has become unnecessary, it is recommended to notify the issuer 1-2 months before the expiration date. Notice of refusal to reissue is issued in writing.

Regarding the reissue, there is a small but important nuance: according to the rules of the bank, it will not work to reissue pensioner cards and instant plastic.

You can talk for a long time about the shortcomings of the entry-level card and its limited use. Since the card is unnamed, you cannot travel abroad with it and pay for online orders, but it performs a more important strategic task: it provides round-the-clock service to its customers, allowing you to make payments, transfer, withdraw funds at any time of the day or night.

If you are going to pay for the goods, the client must first make sure that the seller is ready to accept Maestro from Sberbank for payment (the corresponding sticker can be found at the checkout or near it).

Difficulties will also arise for those who are used to operating with large amounts, since the limit on how much an ATM can dispense per day is limited to 50 thousand rubles.

The advantage for pensioners was accrued income on the balance: guaranteed income on interest amounted to 3.5% per annum. However, the new cards offered as an alternative for welfare recipients retained the same benefit of additional balance income.

It is necessary to pay attention to all the pros and cons when deciding on the necessity or availability of the Maestro issue.

One of the advantages of the Maestro bank card is its free maintenance and issuance, but this does not apply to all types of plastic. According to the approved tariffs of Sberbank, payment is set for additional plastic: this is 150 rubles. A similar maintenance fee is charged per year for student cards.

Since Sberbank is now actively replacing current expiring cards with Mir payment plastic, the conditions for replacement are offered at least as good as the previous ones. As a maximum, new cards are more secure and are also accepted within the entire territory of Russia.

Limits and restrictions on cards

There are some restrictions on the use of the card. For example, a social card:

• only ATMs of the issuer itself are accepted, and outside of Russia - only at the cash desks and terminals of subsidiaries;
• early releases do not contain a security code, i.e. more vulnerable to scammers;
• tied to payments in rubles.

Daily limits on the card - 50 thousand rubles, a month you can cash out up to 1.5 million rubles. If the limit is exceeded, they charge 0.5% of the excess.

In connection with the transition to the service of the Russian payment system "Mir" in May 2017, information appeared about the termination of the issue of the Sberbank pension card Maestro. Although the old cards continue to operate, instead of the old plastic with an expired validity period, customers of retirement age are offered products serviced by the Russian Mir. Those citizens who wanted to switch to a new card earlier could do this individually by contacting the bank. The rest continue to use Maestro until the plastic expires and a replacement takes place. It is planned to complete the full transition to the Mir service in 2020, but payroll customers have already received the new plastic of the Russian system in an organized manner.

For those who do not receive pensions and social contributions for Maestro plastic, Sberbank has proposed an alternative: issuing an international MasterCard card.

Chip pension card "Mir", equally retaining all the advantages of the previous plastic, provides greater security and comfort, allows you to make contactless payments and is valid for 5 years.

The new card looks attractive and life-affirming: it has a design with a photo on a white and green background of branches with birds and is valid throughout Russia, provides for free withdrawal and non-cash payment in any store or through the Internet bank.

The change of Maestro plastic from Sberbank takes place in stages, which made it possible to do without the hype around the new Mir card.

At first, it was decided to change the salary plastic of Russian institutions, then they switched to the planned exchange of pensioner cards as the Maestro expired. The process, launched in 2017, should be completed in 2020, when the last plastic products released on the eve of the launch of Mir will go out of circulation.

Customers working with the Sberbank Online Internet system are invited to choose the option for which they plan to replace the old card within the rules established by the issuer:

1. Recipients of budget revenues are switching to products of the Mir system.
2. Students and persons under 25 years of age can issue a MasterCard youth card.
3. Instead of "Momentum", an alternative instant card "Mir" or a card of another payment system was offered.
4. For other citizens, any other plastic product from the Mastercard, Visa, Mir systems is available.

To make the transition to a new plastic, there are 3 options:

1. Contact the hotline and agree on the available methods of issuance with receipt at the nearest branch of the bank.
2. Submit a release request online.
3. Come to the bank branch and place a request for plastic of any selected system.

Refusal of Maestro cards does not mean that the account to which the card was linked disappears or closes. When reissued, a new binding will be organized based on the selected product type and category. For those who count on an increased level of privileges, cards of international systems are offered (classic version or standard, gold, platinum cards). If the question of the cost of service is important while maintaining the main functionality of the payment product, choose "Mir".

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!

Sberbank is a popular and large bank offering numerous opportunities and programs for different clients. Quite interesting is the pension card offered to almost every pensioner.

It can provide the elderly with numerous benefits. At the same time, there are certain features of servicing this banking product.

It is issued only to pensioners who meet certain conditions.

The service is accompanied by some features:

• interest is accrued on the balance of funds;
• cash can be withdrawn daily in an amount not exceeding 50 thousand rubles. and for a month this amount cannot be more than 500 thousand rubles;
• an overdraft is offered, and the client can issue an additional card for his convenience;
• There are several types of this card, with some offering free service, while others will have to pay 150 rubles.

What are the advantages of the MIR pension card from Sberbank? Answer in this video:

Important! Each owner of this banking instrument can use or connect auto payment, as well as receive a statement for free.

What time frame is produced

There are no clear and strict deadlines during which a pension card (or MIR) is created, since the process depends on the location of the branch, on the individual characteristics of the client and other factors.

As a standard, the manufacture of this banking product does not take more than 10 days after a positive decision is made. In Moscow, 7 working days are allocated for this.

What are the possibilities

The pension product issued by Sberbanks offers its holders many unique opportunities.

These include:

• equipped with a chip, due to which the perfect protection of the banking product from access to funds on the account of fraudsters is guaranteed;
• there is an opportunity to participate in the bonus program, as well as use various promotions and offers of the partners of the organization;
• the holder can make non-cash payments;
• at Sberbank ATMs in Russia or abroad, funds are withdrawn without charging commissions;
• it is allowed to use all the benefits of the Sberbank Online system, which greatly simplifies control over funds or transactions;
• reissue for Sberbank customers is free of charge;
• some stores offer certain discounts to holders.

Sberbank pension card conditions. Photo: sberbank.ru

Important! You can ask about all the possibilities of this banking product directly from the employees of the organization.

How long does it last

Sberbank pension cards are issued for three years, and this information is contained directly on this tool. It indicates the month during which you can last use it to perform various operations.

How and where can a pensioner get a credit card? Answers for .

Important! When issuing this Sberbank product, the client of the organization additionally receives an envelope with a PIN code, which must be learned and destroyed, namely, it is used to perform various operations.

The reissue is initiated directly by Sberbank on the eve of the expiration of the card. Therefore, if there is no need for prolongation, the client must write a written refusal, after which this document is transferred to the bank employee.

What is the rate of interest

The main advantage for many pensioners in the process of using this pension card is the opportunity to receive a certain income, since interest is charged on the balance of money.

Is a pensioner required to receive a MIR card? Answer .

Important! For this, an interest rate of 3.5% is used. The interest received can be used to pay for the maintenance of the card, and it is also allowed to spend it for absolutely any other purpose.

Due to the capitalization of interest, it increases the income of the holders of this banking instrument. The procedure is performed quarterly.

Card limits

The following limits are set for this banking product:

• monthly cash payments cannot exceed 500 thousand rubles;
• it is impossible to withdraw more than 50 thousand rubles per day;
• if you use other banks, then there is no limit per day, if you contact the cashier, and through ATMs it is 50 thousand rubles;
• there is no limit on payment for different goods or services.

What you need to know about the Social card of Sberbank? Watch the video:

Important! If you use an unauthorized overdraft, then 40% per annum is paid for this.

What are the restrictions

When using a pension card, holders may face certain restrictions:

• non-cash payment for goods or services via the Internet is allowed only on the territory of the Russian Federation;
• It is not allowed to receive cash from abroad.

What deposits do banks offer for pensioners? Read.

All restrictions can be clarified with Sberbank employees.

Terms of use and terms of service

A commission of 10 rubles is paid for opening an account. Cardholders can use SMS-notification of transactions.

What tariffs are set

When using pension cards, free service can be established for the main banking instrument. For additional cards, you will have to pay 150 rubles. in year.

How to transfer a pension to a Sberbank card

Often pensioners want to apply for this pension card at Sberbank, but at the same time they receive a pension to the account of another bank. To enjoy all the benefits of Sberbank, you will have to transfer your pension to it.

Possibilities of the Sberbank pension card. Photo: sberbank.ru

For this, an application is formed, which is transmitted to the employee of the PF department. This document indicates the details of the pension card, the name of the applicant and the name of both banks.

A copy of the passbook, as well as a certificate confirming the opening of an account with Sberbank, must be attached to the application.

Conclusion

Thus, Sberbank pension cards are considered to be popular banking instruments. They offer numerous benefits to holders. Maintenance of the main card is free.

You can connect many different additional services that greatly simplify the process of using this banking product.

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.