Social bank card World of Sberbank for pensioners. Bank of Russia bill

Many older people receive pension funds into a bank account. The transition to the domestic payment system began not so long ago, but the MIR card is becoming increasingly popular.

Many active bank clients are interested in the question of what the card is, what the conditions and tariffs are, and how to apply for MIR for pensioners in Sberbank Online. You will find details on all these issues in the article.

The card is intended for social charges, or more precisely, pension payments. It is for this reason that the terms of service and tariffs are very attractive.

You can order a card without paying interest at any bank office. There are no fees for servicing it for clients of retirement age throughout the entire validity period.

You can withdraw money from any Sberbank ATM for free. You can withdraw no more than 500,000 rubles per month, and no more than 50,000 rubles per day. It is possible to receive more money than the established limit, but in this case a commission of 0.05% of the excess amount is charged.

Every quarter, pensioners are awarded 3.5% per annum on their remaining balance as a bonus. MIR card holders can also connect to the Thank You program from Sberbank.

Clients have the opportunity to use mobile banking. This service is free for 60 days. Afterwards, a monthly fee of 30 rubles is charged.

Who can get it?

The following categories of citizens can receive a card:

1. Pensioners who have chosen this card to transfer their pension.
2. People receiving monthly social benefits.
3. Recipients of other transfers from the Pension Fund of the Russian Federation.

Requirements and documentation:

• age from 18 years;
• citizenship of the Russian Federation;
• the right to receive a Russian pension from a person with a different citizenship;
• passport;
• SNILS.

How to get a MIR card for pensioners in Sberbank Online?

You can order a MIR card for pensioners from Sberbank:

• starting to receive a pension for the first time;
• switch to the card voluntarily;
• apply for a new one after the old one expires.

You can order a card in several ways:

It is not possible to order it through Sberbank Online. You can submit a request online on the official website of Sberbank of Russia sberbank.ru. Find the one you need in the list of all cards (MIR social); On the side there will be a button “Order online”. You need to click on it.

After this, the client finds himself on the page for filling out personal data. Here, a passport is required to fill out the application. Please indicate your full name, last name and first name in Latin letters, email address and cell phone number.

After filling out this information, the next page indicates:

• place and date of birth;
• citizenship;
• passport series and number;
• date of issue;
• Passport issued by;
• department code.

The last stage is choosing a branch where you can receive a ready-made card, as well as indicating the full place of registration. It can be produced in up to two weeks.

To reissue an existing card or obtain a new one, the client can contact the bank office. To do this, you need to have a passport and SNILS with you. If you previously received your pension via mail, you should contact the bank, MFC or Pension Fund of Russia. It is necessary to arrange a transfer of funds to an account in Sberbank.

Is it necessary to change the card?

The national program states that pensioners must replace their cards by 2020. But those clients who receive their pension by mail, that is, waiting for the postman, may not open a bank account.

Pros and cons of the card

This card includes all the benefits of Momentum. It has the following advantages:

• possibility of paying utility bills;
• sending money through ATMs or online;
• the ability to connect Sberbank Online, Mobile Bank, Piggy Bank;
• the ability to make purchases in online stores;
• bonus units of the Thank you program from Sberbank accumulate.

Also a significant advantage is the free card issue and free annual maintenance. It is planned to issue an additional card.

In addition to this, of course, there are also negative aspects:

• the ability to use the card only within the country;
• not all stores still accept cards with the MIR payment system, since the software is not installed;
• the need to open an additional account.

But, nevertheless, the popularity of the card for social payments is constantly growing.

As you can see, pensioners will still have to apply for a MIR card, but there is nothing wrong with that. It has favorable conditions and rates. In this case, interest will still accrue on the balance. The easiest way is to leave an application on the official resource, and then just go to the office to pick up a ready-made card.

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

Advantages of transferring pension to card

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

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

Special card for pensions

Transferring a pension to a Sberbank card is a popular option. The bank has developed a Sberbank-MIR pension card. Receiving it is free.

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

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

MIR is protected by an electronic chip, which additionally saves the card owner’s money.

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

The MIR card is included in the “Thank you from Sberbank” bonus system. The owner can receive or pay for goods and services with “Thank you” points. Pyaterochka stores, Rigla, Evalar, Doctor Stoletov, First Aid, Good Pharmacy, MTS and Euroset cellular stores accept payments for up to 5% of the purchase price.

We issue a MIR card

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

A non-registered Sberbank card is issued for use immediately after signing the agreement. It will take from 2 to 3 weeks to receive a card indicating the owner’s full name.

We inform the Pension Fund of Russia

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

1. At a Sberbank branch.
2. At the MFC.
3. At the Pension Fund branch.

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

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

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

If the pension has not been received

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

1. The Pension Fund delayed payment.
2. Pension indexation is taking place.
3. The payment occurred on a holiday or pre-holiday.
4. The first payment occurs with a delay. If the delay is 5-7 working days, you must contact the bank with a request to issue a certificate stating that the pension has not been credited to the account. Then, having the certificate in hand, contact the local Pension Fund office with a statement of claim. It doesn’t matter how you file such an application. The main thing is that it must contain the full name and contacts, the essence of the complaint and a request to sort out the current situation as soon as possible. As a rule, pension fund employees find out and inform about the reason for the delay within 1-2 days.

A pension on a Sberbank card is a reliable and convenient means. Special offer for pensioners - MIR:

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

Registration is possible at any branch in 30 minutes. You can also notify the pension fund so that the pension is received by non-cash means through a bank. An alternative is the MFC or a visit to the Pension Fund.

Documents you will need:

• Passport or identity card replacing it;
• SNILS;
• Confirmation of receipt of pension;
• Requisites.

Many pensioners prefer to interact with Sberbank when receiving a pension, as with the most reliable state bank in the country. Let's consider what the pros and cons of a Sberbank card for pensioners are, how much it costs to maintain the card, the advantages of the Active Age program, and also what cards a pensioner can get, except for social ones.

Sberbank pension cards

Pensioners at Sberbank could apply for any card of their choice: MIR, Maestro or MasterCard. According to the relevant law, today only MIR social cards are issued for pension transfers. Issue 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 changing plastic does not cause inconvenience for the client, but it also has 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 accrual is provided for social payments transferred by the Pension Fund, the Ministry of Internal Affairs, the Prosecutor's Office and other pension authorities.

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

Other advantages of a card for pensioners at Sberbank include:

• Free to use;
• The alert service is connected free of charge for the first 2 months. Upon completion, a discounted rate applies - 30 rubles per month (for clients of other categories, the service costs 60 rubles);
• The pension is received for the balance on the day it is accrued from the Pension Fund, without delays;
• The card can be used to pay at retail outlets and on 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 with the card as part of 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 at Sberbank are special tariffs when opening deposits. In particular, they are offered the highest interest rates available for a particular type of deposit, regardless of the amount of funds deposited or the minimum balance maintained.

Minuses

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

In the reviews, the downside is the paid service of Mobile Banking, the cost of which does not suit pensioners, even despite the reduced tariff. But don’t forget about the availability, which is provided to everyone without charging a subscription fee.

The disadvantages also include:

• You cannot issue an additional card to your 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

The card is issued and issued without payment. The cost of service is 0 rubles.

The MIR card is valid for 5 years. At the end of this period, a scheduled reissue occurs, for which no payment is charged.

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

• 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 an additional payment of 0.5% on the excess amount;
• replenishing your card account in cash through a cash register or ATM: no commission.

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

Instructions on how a pensioner can transfer a pension to a Sberbank card have been simplified to make the procedure more comfortable.

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

• a citizen of the Russian Federation, a foreigner, a stateless person who has the right to a pension by law;
• the presence of permanent or temporary registration.

At a Sberbank branch

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

You must present an identity card and a pension card (or a document confirming your pensioner status). The production time for plastic is about 7-10 days. The client will be notified separately when the product is ready.

Order online

The second way to get a card is an additional advantage of Sberbank, since it allows you to order it online. Just go to the Social Card for Pensioners section of the website, where you can also read the terms of use, and scroll down to the bottom of the page.

Here is an online application form in which you need to indicate:

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

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

How can a pensioner transfer his pension to a MIR card?

If you already have a card, for example Maestro, to which pension payments are transferred, and you want to use it for now, please continue.

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

• When you lose/damage yours and need re-issue. They will release a national one, but with the same connected services, 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, then you need to transfer the pension payment to its account, for which you need to write an application and submit it in a convenient way:

• Sberbank branch;

How to cancel the MIR card

What you can refuse:

• 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 card. You do not want to receive a pension or other payments on the MIR card, or you have always received money - in cash or to an account. In this case, you are not forced to use the Mir card; you can choose the method that is familiar to you.

Having compared the pros and cons of the MIR card, some want to abandon it in favor of international format cards with greater capabilities.

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 regulating the transfer of budget payments to cards of the national system.

In the first half of 2018, civil servants were forcibly transferred to this product, and no clear framework was established for pensioners. For them, replacement is carried out as planned until 2020: at the time of first registration or when re-issuing an existing card (planned or at your own request).

It is impossible to refuse to replace your card with a national payment card, but no one bothers you to get any debit or credit card from a bank convenient for you, which you can use to pay abroad. You can independently transfer any amount from your social card to it. There is no commission 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 standard debit cards 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 your card

To top up a Sberbank MIR card for pensioners, you can choose any convenient option:

• Deposit money at the Sberbank cash desk. You are required to provide your card or account number, confirming your authority with your passport.
• Top up via terminal or ATM.
• Transfer from another Sberbank card using Sberbank Online, Mobile Bank or ATM.
• Transfer from a third-party card via their online banking.

If you refuse third-party resources and use Sberbank services and tools, you can top up your balance without additional payment.

Send 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 transaction amount.
• Mobile bank. Compose a message: TRANSFER, 4 outer digits of the debit card number, 4 digits of the card to be deposited, 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 about 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.

The Sberbank Active Age card provides privileges when opening 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 worries and anxieties caused by lifestyle changes, build relationships with loved ones and have fun when 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 appropriate window.

You can also try a trial course without a card. However, access to information is not limited for 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 indicate your name and phone number on the form. After receiving the call, all that remains is to agree on a convenient time to visit a specialist.

They also offer a service that will help identify the necessary specialist based on the symptoms specified by the user. Only MasterCard card holders (access by number) can use the tool.

Other debit and credit cards for pensioners

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

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

• Credit, debit.
• MasterCard, Visa, MIR.
• Classic, gold, premium.
• for payments made using the card. Miles can be used to purchase tickets, upgrade your service status at airports, etc.
• Give Life: to participate in charity.

Also, a pensioner may 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 greater restrictions. At 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 its limited use abroad.

In the age of development of modern information technologies, cash is being replaced by bank cards. As experts note, the volume of use of plastic tools will only increase over time. This is due to the great advantages of such a product.

The functioning of cards is ensured by payment systems. The most common are Mastercard and Visa. They are distributed all over the world. However, after the referendum in Crimea, the use of cards in this territory was frozen.

In connection with this situation, the Russian government decided to develop its own payment system that services the Mir card. All social workers and pensioners will receive funds only on this card.

The Mir plastic card is a banking product with functionality that is no different from cards serviced by foreign payment systems. It was developed in 2014, and starting in 2016, Sberbank of Russia began producing plastic instruments.

Thanks to our own development, card servicing will not depend on Western sanctions. In this way, the government protects the most vulnerable segments of the population: pensioners, social workers and public sector employees.

It should be noted that the Mir card does not differ in functionality from other plastic instruments, except that it can only store Russian rubles, and therefore cannot be used in other countries. However, this drawback is already at the stage of being resolved, as options for cooperation with some countries where it will be possible to use the new card are being considered. It is also planned to issue credit cards of the Russian payment system.

The validity period of the new banking product is five years. The daily limit on withdrawals is 300,000 rubles, and payments can be made in the amount of 500,000 rubles.

Is it paid and is it necessary?

Initially, the Russian payment system was developed for people receiving pension benefits and employees of budgetary organizations. But today, at Sberbank representative offices, all adult citizens of the Russian Federation can issue a Mir card.

If you work in a government agency and receive your salary by non-cash method, then as part of the salary project in 2018, all budget employees will receive a Mir card. Such measures are mandatory. And until 2020, all pensioners will receive payments for a new plastic instrument. In these cases, switching to a new banking instrument is mandatory.

All other Russian citizens can independently apply for a Mir card if they wish. It should be understood that global payment systems operate throughout the country, except Crimea. Therefore, each person decides for himself which banking product is more convenient for him to use, since the transition to the Russian payment system is not mandatory. There is a fee for servicing a debit card.

What is the cost of card servicing?

Today, Sberbank of Russia issues the world map in two versions:

1. Pension.
2. Debit.

In the first option, the banking product is provided free of charge to people who receive their pension by non-cash method. There is no annual maintenance fee for plastic instruments.

Also, the new card is issued free of charge to employees of budgetary organizations as a salary tool.

If a person is not a public sector employee or a pensioner, then he can independently apply for a banking product at any branch of Sberbank. In this case, the cost of the first year of service is 750 rubles. And starting from the second year, you will need to pay 450 rubles.

In other banking organizations, the cost of service may vary significantly, so you need to clarify the conditions and tariffs at the representative offices of financial institutions.

Advantages and disadvantages of the Sberbank World card

The national card has a lot of advantages, but since the product was released relatively recently, it is still raw, so there are some disadvantages. Let's look at the features of the new plastic tool.

• Independence from Western payment systems.
• High limits on card cashing. Depending on the status of the instrument, you can withdraw at least 150,000 rubles per day without commission.
• You can pay in all major stores.
• High degree of protection.
• Cardholders can connect to all possible Sberbank services.
• Possibility of connecting to the “Thank you from Sberbank” program.
• The card is serviced by a large network of ATMs and self-service devices.

• Cash back is currently not available.
• High maintenance costs compared to many card products.
• Possibility of use only in Russia. However, this drawback is already being resolved, as the possibility of cooperation with the payment systems American Express and Maestro is being considered. Therefore, soon the Mir card will be able to be used in other countries.

Experts note that very soon, the new banking product will not have any restrictions.

If the pension fund demands clarification...

On July 1, 2017, a new bill came into force on the transfer of pensioners and public sector employees to the national payment system Mir. It is planned that by 2020, all pension payments will be transferred to the new card.

Many pensioners demand clarification as to why they should give up their usual cards. In this regard, the Pension Fund was obliged to explain the situation to citizens of the Russian Federation.

The transfer procedure to the Russian payment system is painless. The service is free, the transfer to the Mir payment system will occur gradually, so there is no need to apply for a new card.

The new card was developed to protect state employees and pensioners from Western sanctions. This allows us to ensure the safety of the population's funds.

Therefore, there is no need to be afraid of innovations. The national plastic instrument is no different in functionality from common cards.

How to refuse?

After the release of the Mir card, many people began to report that their employers promised to fire them if they did not agree to switch to the new payment system. Such cases are illegal, so it is necessary to contact the appropriate authorities.

According to current legislation, all banks will be required to serve pensioners and salary clients only with the Mir card. But no one has the right to force people to use this banking product.

If you do not want to receive a pension or salary on the Mir card, then you need to write a corresponding application at work or to the Pension Fund. But in this case, funds can only be received in cash. And transferring money to cards of another payment system will not be possible.

The Maestro social card is an entry-level card and, by issuing it, Sberbank sought to increase the number of its clients and gradually attract citizens of retirement age to use bank cards, thereby covering a new, fairly wide segment of the population. It is simple and easy to use, despite the fact that it has some limitations.

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It should be noted that social cards for the population were developed and issued by Sberbank for the following purposes:

• reduce queues at Sberbank cash desks (many payments can be made through ATMs or via the Internet);
• improve the quality of service to the population in , creating comfortable conditions for clients and reducing their time spent on solving financial issues;
• reduce additional financial costs for issuing and servicing savings books, the relevance of which is gradually decreasing.

Features of Sberbank social cards

Social cards are not much different from other debit cards issued by Sberbank. However, each banking product has its own advantages and disadvantages.

Maestro plastic cards provide the following features:

1. It is possible both in cash and by non-cash method:
   • carrying cash through payment terminals or ATMs that have a cash acceptance function;
   • replenishing the card at a bank branch through an employee (to do this, you need to give the card number and provide a passport or give the account number and details of the territorial branch of the Bank where the card was issued);
   • replenishing the card by cashless transfer from another debit card of Sberbank or a third-party credit organization (using services, SMS system or through ATMs and payment terminals).
2. you can withdraw cash from your card at Sberbank ATMs without commission;
3. You can make cashless payments in various stores, establishments, through ATMs or terminals;
4. you can carry out various monetary transactions through your phone using mobile applications;
5. you can activate the “” service, which will allow you to automatically make timely monthly payments for utilities, telephone, Internet, and pay loans;
6. the connected “ ” service makes it possible to monitor all card transactions via SMS notifications that will be sent to your phone number;
7. the card is serviced outside the Russian Federation in subsidiary banks in countries such as Ukraine, Belarus, Kazakhstan, Turkey, Switzerland and others.

The Sberbank-Maestro “Social” card can be obtained by citizens who receive a pension upon reaching the appropriate age, either due to the loss of a breadwinner, or due to disability and who have permanent registration in the Russian Federation.

Sequencing:

1. Contact any nearest Sberbank branch with a passport and a document confirming receipt of a pension.
2. Write and sign an application in the established form for a social card (bank employees will definitely help you fill out the application correctly).
3. The card is issued within 10 days after the bank makes a positive decision on the possibility of issuing it. You must pick up the card on the appointed day.
4. After receiving, you need to contact the Pension Fund at the place of registration and write a corresponding statement that you want to receive your pension on a Sberbank social card, indicating the necessary card details.

Poll: are you satisfied with the quality of services provided by Sberbank in general?

YesNo

Advantages of the card

• Card service is free;
• Increased interest is charged on the balance of funds on the card in the amount of 3.5% per annum. Enrollment is made every three months;
• the possibility of issuing additional cards, including a children's card from Sberbank, which is issued to children from the age of 7 with parental permission;
• the ability to manage your balance via the Internet using the Sberbank-Online system;
• discounts and special offers from the MasterCard system, which gives savings of up to 12% when purchasing necessary goods;
• cash withdrawals in Russia and abroad from ATMs of subsidiary banks under the same conditions;
• the opportunity to participate in the bonus program (10% of purchases made with the card are returned to the account in the form of bonus points that can be spent on new purchases);
• the ability to connect to the “Autopayment” service for automated payment for housing and communal services, replenishment of a mobile phone and Internet account.

Tariffs for servicing pension cards

• servicing the main card is free;
• additional card service – 150 rubles per year;
• re-issue upon expiration of the term - free of charge;
• commission due to loss or misplacement of the PIN code - 30 rubles;
• daily limit on cash withdrawals at cash desks or ATMs – 50 thousand rubles;
• monthly cash withdrawal limit – 500,000 rubles (for cash withdrawals above the limit, a commission of 0.5% is charged);

Disadvantages of a pension card from Sberbank

The Maestro social card has some limitations:

• it is serviced in Sberbank branches only on the territory of the Russian Federation (abroad, at ATMs of subsidiary banks, if they exist, you can only withdraw cash and nothing more);
• card transactions are carried out only in rubles;
• Only a pension is credited to a card of this type (even if a pensioner works, his salary cannot be credited to the specified social card);
• the social card is an entry-level card, so it does not have CVV2/CVC2 codes, and, accordingly, it cannot be used to pay for purchases on the Internet (but you can top up accounts and make transfers via the Internet);

This card is intended for pensioners, so the disadvantages described above are not as significant for them as for young people and middle-aged citizens. Many elderly people are unlikely to make purchases via the Internet, especially in other currencies, and besides, few of them continue to work. The main advantages of the card for pensioners are its free servicing, the accrual of interest on the balance at an increased rate, the ability to issue an additional card for relatives at reduced service rates, the ability to track card transactions through Mobile Banking and the ability to make cashless payments in stores. The card is issued easily and quickly, is valid for 3 years, and is serviced at reduced rates.