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Sberbank social card. Sberbank cards for pensioners Sberbank maestro pension card looks like

The Maestro social card is an entry-level card, and by issuing it, Sberbank sought to increase the number of its customers 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 the cash desks of Sberbank (many payments can be made through ATMs or via the Internet);
to improve the quality of public service in, creating comfortable conditions for customers and reducing their time spent on solving financial issues;
reduce additional financial costs for the issuance and maintenance of savings books, the relevance of which is gradually declining.

Possibilities of social cards of Sberbank

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:

it is possible, both in cash and non-cash method:
- carrying cash through payment terminals or ATMs that have the function of accepting cash;
- replenishment of the card at a bank branch through an employee (for 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);
- replenishment of the card by bank transfer from another debit card of Sberbank or a third-party credit organization (using services, an SMS system or through ATMs and payment terminals).
you can withdraw cash from the card at Sberbank ATMs without commission;
you can make cashless payments in various stores, institutions, through ATMs or terminals;
you can conduct various monetary transactions through the phone using mobile applications;
you can connect the service "", which will automatically make monthly payments for utilities, telephone, Internet, and pay loans in a timely manner;
the connected service "" makes it possible to monitor all transactions on the card through SMS notifications that will be sent to your phone number;
the card is serviced outside the Russian Federation in subsidiary banks in such countries 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:

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

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

YesNo

Card Benefits

card service is free;
the balance of funds on the card is charged with increased interest 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 the permission of their parents;
the ability to manage your balance via the Internet using the Sberbank-Online system;
discounts and special offers from the MasterCard system, which saves up to 12% when buying necessary goods;
cash withdrawals in Russia and at ATMs of subsidiary banks on the same terms;
the opportunity to participate in the bonus program (10% of purchases made on the card are returned to the account in the form of bonus points that can be spent on new purchases);
the ability to connect the "Auto payment" service for automated payment of utility bills, replenishment of a mobile phone account and the Internet.

Tariffs for servicing pension cards

maintenance of the main card - free of charge;
maintenance of an additional card - 150 rubles per year;
reissue upon expiration - free of charge;
commission due to loss or loss of the pin code - 30 rubles;
daily limit for cash withdrawal at the box office or ATMs - 50 thousand rubles;
monthly cash withdrawal limit - 500,000 rubles (a commission of 0.5% is charged for cash withdrawals in excess of the limit);

Disadvantages of a pension card from Sberbank

Social card "Maestro" has some limitations:

it is serviced at Sberbank branches only on the territory of the Russian Federation (abroad, at ATMs of subsidiary banks, if any, you can withdraw only 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 initial type card, therefore there are no CVV2 / CVC2 codes on it, and, accordingly, it is impossible to pay for purchases on the Internet (but you can replenish 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 they are for young people and middle-aged citizens. Many elderly people are unlikely to make purchases via the Internet, especially in a different currency, and besides, few of them continue to work. The main advantages of the card for pensioners are its free service, accrual of interest on the balance of funds at an increased rate, the possibility of issuing an additional card for relatives at reduced service rates, the ability to track card transactions through the Mobile Bank and the possibility of cashless payments in stores. The card is issued quickly and easily, valid for 3 years, serviced at reduced rates.

Card production time

In Moscow, St. Petersburg, Novosibirsk, Yekaterinburg, Nizhny Novgorod and other large cities, the card will be ready in 2-3 business days, in the regions, production and delivery will take from 3 to 10 business days. Delivery to remote locations may take up to 15 business days. Exact dates are available.

When issuing a card, only working days are taken into account. If you order it on Friday evening, then the production time will be considered from Monday.

You can see if the card is ready and when it will be delivered to the office in Sberbank Online in the "Cards" section.

What documents are required to obtain a card?

To pick up the card, please bring your passport or other document that was used to apply for the card. To get a card for another person, you need a notarized power of attorney.

What is the Mir payment system?

Mir is a Russian national payment system that meets international security standards. The Mir card is accepted wherever there are trade and service outlets and ATMs with the Mir logo.

Why is my Maestro card being replaced with a World card?

Your current Maestro pension card is about to expire. All Maestro pension cards, when reissued, are replaced by MIR Pension Cards (in accordance with Federal Law-161 "On the National Payment System"). The conditions for the product remain the same, additional services (mobile banking, auto payments) remain.

How to start receiving THANK YOU bonuses?

After receiving the card, you must register in the Thank You from Sberbank program. The easiest way to register is to send an SMS to number 900 with the text THANK YOU 1234, where 1234 is the last four digits of the card number.
You can also register in the program in your Sberbank Online personal account and at a Sberbank ATM - find the "Thank you from Sberbank" section and follow the prompts.

Bonuses are credited automatically when paying by card - their number depends on the privilege level.

It should be remembered that bonuses are accrued only when paying for goods and services. This does not happen when withdrawing cash from ATMs. But when paying for purchases remotely in online stores, bonus points are credited to the account Thank you.

Is it safe to use a contactless card?

Yes, the card is safe. It is always in the hands of the owner, so its data remains inaccessible to scammers. Making purchases without presenting a card and entering a PIN code is much safer, since no one sees the card details. In addition, contactless technology protects against double charges - after paying for the purchase, the terminal beeps and turns off automatically.

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

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

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

Types of pension cards from Sberbank

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

Maestro;
Mastercard;

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

WORLD

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

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

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

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

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

Maestro and Mastercard

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

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

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

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

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

Tariffs and conditions of social cards

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

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

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

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

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

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

entering a PIN code;
card presentation.

Client Requirements

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

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

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

How to get a pensioner's card?

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

At the branch of Sberbank

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

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

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

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

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

Online

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

How to use the pension card?

Immediately after receiving the card, you must activate it:

During the day - with the help of a bank employee.
Instant:

by inserting the card into the terminal;
by typing a PIN code;
by making any operation or simply requesting a balance;
after completing the service.

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

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

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

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

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

Mobile bank

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

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

How is the pensioner's interest calculated?

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

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

How to get cashback on the card?

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

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

Shares on pension cards Sberbank

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

Advantages and disadvantages of a pension card

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

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

FAQ

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

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

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

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

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

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

How to cancel a card?

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

Get an electronic queue coupon by selecting the "Bank cards" section.
Approach the teller's window after announcing the number indicated on the coupon.
Present your passport and tell about the desire to refuse the card.
Fill out an application for closing a card account, indicating the method of receiving a possible balance of funds:

in cash after closing the card account at the bank's cash desk;
transfer according to the provided details.

The Operator will help you:

close existing debts for bank services, if any;
disable services and services.

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

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

What is the withdrawal limit for debit cards?

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

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

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

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

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

Sberbank cards for pensioners“Maestro pension Active age”, those Maestro with birds, are no longer produced in 2020. They were replaced by the MIR Pension Card. She is just as beautiful, comfortable and profitable. Consider its features, terms of use, cost of maintenance, limits, pros and cons…

The Sberbank MIR pension card is a debit bank card that is intended only for bank customers who are entitled to receive pensions and other social benefits paid by the pension authority.

Who can apply for a MIR Sberbank Pension Card

Citizens of Russia, foreigners, as well as stateless persons over the age of 18 who are eligible to receive a pension can receive the card. Permanent or temporary registration in the Russian Federation is also required.

Sberbank cards for MIR pensioners in 2020

Advantages and disadvantages. Today, you can pay with the MIR Pension card from Sberbank only in Russia. This is perhaps the main disadvantage of this card. For some customers, it may also be inconvenient that an additional card is not issued for it. According to the terms of the product, the client can have no more than one valid card.

But there are also pluses. And very weighty. Sberbank's MIR Pensionnaya social cards provide holders with access to a whole range of banking services: cashless payments, transfers, and remote account management.

Debit Pension cards of Sberbank MIR are:

- Non-cash payment for goods and services in stores and via the Internet in Russia;
- Service "Mobile Bank", with the help of which you will always be aware of all transactions on the card in real time;
- Account management and loan repayment through the remote services "Mobile Bank" and "Sberbank Online";
- Auto payment for paying for cellular communications, utilities and other services (reduced commission for utility payments when paying by card compared to paying at a bank branch with a teller);
- Cashless transfer (debit, transfer) at ATMs and self-service devices.

Sberbank MIR pension card: terms of use

See also whether deposits for pensioners in Sberbank are profitable today - an overview >>

The cost of servicing the Pension card of Sberbank MIR

Pensioners in our country are forced to save every penny, and therefore the issue of the cost of monthly maintenance of a bank card is very relevant for them. Sberbank took this into account. MIR pension cards are serviced free of charge.

Money can be charged only for mobile banking (SMS informing). The first 2 calendar months after the card is issued, it can be used free of charge, and then you will have to pay 30 rubles per month. If the client does not want to pay for SMS informing, then he has the right not to connect the mobile bank.

You will not have to pay for the next reissue of the card at the end of the validity period. However, if the client loses the card, forgets the PIN code, or changes his surname, for example, by getting married, then such an early reissue of the card will cost 30 rubles.

You also need to know that each check of the balance on the card at ATMs of other banks will cost 15 rubles. So, if you want to know how much money is left on the card, then check the account at Sberbank ATMs. It will be free.

Pension cards MIR of Sberbank: interest accrual

The Sberbank MIR pension card gives its owner the opportunity to receive an increased interest on the debit card balance, which makes it possible to store savings profitably.

The balance of funds on the account of the bank Pension card of Sberbank MIR is credited with:

3.5% per annum in rubles.

Interest is accrued on the balance of funds on the account to which the pension and other social payments paid by the pension authority are credited, if the client receives such payments.

See also the conditions for calculating interest on pension cards of the Russian Agricultural Bank

Sberbank cards for pensioners: cash withdrawal limits

If you are going to withdraw cash from the MIR Pension Card, then remember the limits set by the bank.

Within the limit, cash can be withdrawn from ATMs and cash desks of Sberbank without commission. For the issuance of cash in excess of the daily limit through ATMs or cash desks of Sberbank, a fee of 0.5% of the amount exceeding the limit is charged.

For issuing cash from a card at ATMs of other banks, you will have to pay 1 percent of the amount, but not less than 100 rubles, and at the box office - 1%, but not less than 150 rubles.

Sberbank social cards for pensioners MIR: how to apply

To apply for a debit pension card of Sberbank MIR, you need:

- Contact the office of Sberbank;
- Provide a passport of a citizen of the Russian Federation and a document confirming the receipt of a pension;
- Fill out and sign the application form for obtaining a card.

Why is it convenient to receive a pension on a Sberbank card?

You do not have to wait for the postman to bring the money or stand in line at the cash desk, because you will receive a pension at the moment when they are transferred by the Pension Fund of the Russian Federation.

You will not need to carry cash with you, which means that it will not be stolen from your pocket or bag, you will not be able to lose it. At the same time, you will always have access to your money on the Sberbank card for pensioners.

How to transfer a pension to a Sberbank card

To transfer payments from the FIU, you need to write an application for the delivery of a pension to an account with Sberbank. You can do this in any of the following places: