Pension on Sberbank card service. Social card "World". Commission for servicing the Mir card in Sberbank for pensioners

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;
• issue 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 advantages 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.

Russia's leading bank has developed social programs that will begin operating in 2018, according to sovets. They were created specifically for pensioners and other citizens receiving payments from the state budget. Within the framework of the described programs, it will be possible to obtain a social credit card or a debit pension card. Using banking services implies making a profit for the client, so it makes sense to understand all the intricacies of innovations in advance.

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More information about the “Active Age” project

Persons who have already crossed the 50-year mark can become participants in the new Sberbank program. It is good because this category of clients will have the opportunity to use the bank’s services on preferential terms, but this is only one of its advantages.

The project was created with the goal of increasing the financial activity of older Russians. In this regard, pensioners will have a chance not only to register plastic card, but also take part in a prize draw that will take place every week. The most active participants in the program will receive cash gifts.

Sberbank's innovations are attractive because a citizen of retirement age will be able to:

• Get preferential insurance;
• Place money in a deposit at a favorable interest rate;
• Apply for a social plastic card;
• Write an application for a loan on favorable terms.

Distinctive features of the Maestro “Active Age” card

Almost everyone has a plastic card. This is a convenient payment instrument that makes money management much easier. Despite this, older people are wary of plastic and, out of habit, prefer to use cash.

A pension card, which can be obtained as part of the “Active Age” project, can open for its owner ample opportunities. In order for older citizens to use it, Sberbank offers services on preferential terms.

To receive the described bank card, you must:

• Belongs to the specified age category;
• Have Russian citizenship;
• Be registered or temporarily registered in one of the localities of the Russian Federation.

Speaking about the maestro’s pension card, it should be noted that it can be replenished in many ways. The following options exist:

• Transfer from another card, which can be easily done using a mobile application or personal account on the official website of Sberbank;
• Cash replenishment. To do this, you should use an ATM or go to the nearest bank branch along with your passport and card;
• Cashless transfer.

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Information about the Mir social card

As mentioned earlier, a plastic card gives its owner convenience and benefits. This payment instrument can be used to receive a pension. In addition, small interest is accrued monthly. The exact amount depends on the account balance.

To receive a social card, you must:

• Write an application at a Sberbank branch, presenting an identification document, pension card and SNILS;
• Have Russian citizenship;
• Be registered in a Russian locality.

Who can become the owner of a Sberbank social pension card?

The management of the country's leading bank believes that the launch of a social program in 2018 will optimize the work of Sberbank branches. Registration of plastic by pensioners will lead to the fact that pensions will begin to be credited to it. As a result, the number of citizens receiving payments at cash desks will noticeably decrease. This will reduce queues and reduce the burden on bank employees.

The right to receive a Sberbank social card is reserved by:

• Persons retired due to age;
• Disabled people who receive benefits;
• Members of single-parent families who are left without a breadwinner and are recipients of payments from the state budget.

It will be useful to know that the card can be issued from the age of 14. To do this, you just need to have Russian citizenship and permanent or temporary registration in the country. It should be emphasized that each submitted application is examined in detail by bank specialists, so the decision is made on an individual basis.

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How is a social card issued?

Every pensioner living in Russia can become a holder of social plastic. In order for the card to be issued, you must:

• Visit a Sberbank branch at your place of residence;
• Show the bank employee your passport and pension certificate;
• Fill out the form;
• Read the contents of the agreement and sign it.

It should be noted that the capital’s pensioners are issued “Standart” mastercard cards equipped with a chip for contactless payment. It is also possible to issue a payment instrument remotely. To do this, you must submit a request by phone or online.

The “Active Age” program from Sberbank has been worked out to the smallest detail. Its creators took into account the fact that for some elderly and disabled people, visiting a bank is a a big problem. In this regard, you can order delivery of a card and a package of documents for signing to your home. This is convenient, but the main disadvantage of this service is that its cost is 300 rubles.

Features of servicing pension cards in 2018

Even before submitting an application for issuing plastic, you need to understand all the nuances. You need to know about the following:

• The card belongs to the MasterCard payment system;
• The account will be in rubles, i.e. foreign currency cannot be credited to it;
• The card is valid for 3 years. After this time, it is re-issued;
• There is no user fee;
• There are two ways to replenish and spend funds: cash and non-cash;
• The card is accepted for payment outside the Russian Federation;
• Pension card holders become participants in the bonus program, which gives them the right to receive discounts and additional banking products.

Briefly about interest calculation

One of the features of the presented social program is the accrual of interest on a pension card. In this case, the annual rate remains fixed and is 3.5%. The exact income is determined depending on the account balance. Interest is calculated quarterly. The money received can be spent at your discretion.

Are there any restrictions regarding cash withdrawals?

In the situation described, the bank set limits on withdrawals. Within 24 hours, the pension card holder can withdraw no more than 50 thousand rubles. The monthly withdrawal amount is limited to 500 thousand rubles. Considering the incomes of pensioners, such restrictions can be called conditional, because they are unlikely to cause any inconvenience.

It will be useful to know that if you withdraw a large amount, a commission will be charged. It is 0.5 of the amount that exceeds the established limit. In such cases, it is better to contact a bank branch rather than use an ATM. The most important thing is to apply in advance. Within 2-3 days the money will be prepared.

More information about the Mobile Bank service

Older people have little interest in new services and rarely use them. They are afraid of doing something wrong and overpaying for it. Meanwhile, the Mobile Bank application from Sberbank can be very useful. Its meaning is that after the next transaction on the card, its owner receives the relevant information in the form of SMS.

As part of a social project that starts in 2018, pension card holders will be able to use the Mobile Bank service completely free of charge during the first 60 days from the date of signing the contract. After this period, a monthly fee of 30 rubles will be charged for notification via SMS.

About additional payment instruments

In addition to the main plastic card, a pensioner can become the owner of additional ones. The latter are issued in cases where a citizen’s money is managed by his relatives. It is noteworthy that additional cards are linked to the main one, i.e. limits on them are set by the person in whose name the account is opened. Upon issuance family connection must be documented.

As for the distinctive features, it’s worth starting with the fact that the additional card will belong to the same payment system as the main one. In addition, it is not issued free of charge. During the application process, a payment of 150 rubles is required.

Do I have to pay for the service?

Plastic cards, which are planned to be issued as part of the new social program, will be provided absolutely free of charge. In addition, no service fees will be charged for one year from the date of signing the contract. Meanwhile, Sberbank will begin withdrawing 30 rubles monthly for the Mobile Bank service after the first 60 days.

What is the validity period of the card?

The described payment instrument has a validity period of 3 years. The month and year until which the card is valid are indicated on the card. front side. When the specified period expires, transactions using the card are impossible. It needs to be disposed of.

If the plastic is about to expire, it is better to order its reissue in advance. Otherwise, the card will become invalid and the pensioner will lose access to the funds on it.

List of advantages and disadvantages

The Sberbank pension card has wide capabilities. Having it, you can:

• Withdraw cash from ATMs and bank tellers;
• Transfer money to other cards;
• Pay for services through your personal account and mobile banking;
• Use for calculations when you are in other countries.

As for the disadvantages of the presented payment instrument, they are as follows:

• Limited service (cash can only be obtained at a Sberbank branch or ATM);
• Lack of codes required to make payments online;
• Inability to credit foreign currency to the account;
• Inability to transfer salaries (a significant disadvantage for working pensioners).

Sberbank pension cards

Starting in 2018, when contacting the country’s leading bank, older Russians will be able to acquire credit cards on preferential terms. Having this payment instrument can be life-saving at a time when you suddenly run out of money or unexpected expenses arise.

The main advantage of any credit card is convenience. In order for it to be maximum, you should carefully study the contract. Pensioners need to remember the following:

• For cash withdrawals from a credit card, a fee is charged, the amount of which is equal to or exceeds 390 rubles;
• The grace period is 50 days. Repayment of debt within this time period does not require payment of interest.

Features of the Momentum credit card (Visa and MasterCard)

The main distinguishing feature of the card mentioned above is quick receipt. It is issued on the same day the application was submitted. Additional information is as follows:

• The maximum allowable amount is 120 thousand rubles;
• The limit on cash withdrawal through an ATM is 50 thousand rubles;
• Interest rate – 25.9% per year;
• No service fee.

More information about “Classic” (Visa) and “Standart” (MasterCard) credit cards

You can apply for one of the cards presented either at general conditions, or having received a personal offer from Sberbank. In the first case, the conditions are:

• Interest rate – 33.9% per year;
• It is possible to withdraw only 50 thousand rubles through an ATM;
• Annual maintenance fee – 750 rubles.

The terms of the contract for those citizens who become participants in a personal action are more “soft”:

• The maximum loan amount is 600 thousand rubles;
• Interest rate – 24.9% per year;
• Free service.

Premium credit cards

Holders of Visa and MasterCard Gold credit cards, which are considered premium, can enjoy extensive opportunities and receive pleasant bonuses. The features of the presented banking product are as follows:

• The maximum amount is 600 thousand rubles;
• The annual interest rate is 23.9%;
• The limit for cash withdrawal through an ATM is 100 thousand, through a cash register - 300 thousand rubles;
• Cash back;
• No mandatory service fee.

What do you need to get a credit card?

A credit card opens up wide opportunities for its owner. This is a unique banking product that, starting next year, every pensioner will be able to apply for without any problems. If a citizen receives a pension on a Sberbank card, then the credit card will be issued to him on preferential terms. These include reduced interest rate, bonuses, no service fees.

In order for your credit card application to be approved, you must:

• Be under 65 years of age;
• Have a total work experience of at least 5 years;
• Work at one company for six months or more.

How does registration work?

To get a Sberbank credit card, a pensioner needs:

1. Carefully study the proposed options and compare them with each other. All this can be done on the bank’s official website;
2. Visit a bank branch and apply for a credit card. You must have your passport and pensioner ID with you. It is also worth taking with you a document confirming your work experience;
3. Wait for an answer. The maximum waiting period is 2 days;
4. If approved, pick up the card.

Sberbank social card

Sberbank of Russia is carrying out systematic and methodical work to increase the number of users Sberbank social cards, as well as for pensioners to re-register their savings books for Sberbank pension cards. The task and goal of Sberbank is simple and clear: to reduce queues at savings banks, simplify servicing the population in issuing cash and transfers, reduce Sberbank’s expenses for printing savings book forms and thereby increase the bank’s income. So what? Social card MasterCard Maestro will it give to pensioners? What is Maestro card Sberbank and what are its advantages?

The MasterCard Maestro social card is practically no different from other bank cards of Sberbank of Russia

To whom and how is a social card issued?

Sberbank social card issued to the following categories of the population:

• individuals eligible to receive old-age pensions,
• individuals entitled to receive pensions - in case of loss of a breadwinner, for disability and other reasons.

Maestro card – Sberbank issued to individuals over the age of 14 who are entitled to receive a pension who meet the following conditions:

• Have Russian citizenship and permanent registration in the region where the card is issued;
• They have Russian Federation citizenship but do not have permanent registration in the region where the card is issued - subject to an individual decision of the Bank.

What actions does a bank client need to take to apply for a Sberbank pension card and receive a pension on it?
To apply for a pension card you must:

• Contact a branch convenient for working with Sberbank;
• Present a passport of a citizen of the Russian Federation and a document confirming the assignment of a pension (Pensioner Certificate);
• Fill out and sign the application form to receive a card from Sberbank;
• Submit an application to the Pension Fund to transfer your pension to the card account.

So, to receive a pension for Sberbank social card, the client first needs to apply for the pension itself and receive a pension book, then open a card account and receive a card attached to it, and then return to the pension fund and write an application to transfer the pension to the bank card account, indicating all the necessary account details and the Sberbank branch, in in which the account is opened. The bank can provide the client with the details by issuing a certificate. In addition, they may be specified in the account servicing agreement. Some Sberbank branches themselves notify the pension fund about opening a card account for a pensioner to receive a pension.

How long will it take to receive the card? The total period for issuing Sberbank cards should not exceed 10 working days from the date of a positive decision on the possibility of issuing a card to the client. In Moscow, St. Petersburg, Moscow and Leningrad regions, the maximum period for issuing Sberbank-Maestro cards is 7 working days. In fact, the period for issuing a card from the date of application is often 2 - 4 weeks.

Social card validity period

Sberbank social card is valid for 3 years. The expiration date is indicated on the front of the card as the month and the last two digits of the year (00/00). The Card is valid until the last day of the month (inclusive) indicated on the Card.

Together with the Maestro-Social card, a sealed envelope with a personal identification number (PIN code) is issued, which is used when conducting transactions at ATMs, in banking institutions using electronic terminals, and can also be used when paying for goods and services at retail and service points .

Upon expiration of each three-year validity period, the card becomes invalid and the bank has the right to automatically re-issue it, but provided that the client has not notified the Bank 60 calendar days before the expiration of the Card about the refusal to use it in the future.

Clients must contact Sberbank in a timely manner to return an expired card and receive a new social card issued for a new validity period.

For early reissue of the Card, i.e. To re-issue before its expiration, the Client must submit a written application to the Bank.

Additional card to the Sberbank pension card

For elderly or frequently ill people Sberbank pension card has one, well, very attractive advantage - additional cards can be issued to other people in addition to the holder’s main card. This can immediately remove the problem for older people of going to the bank or ATM for cash, making purchases in stores, paying utility bills, etc. Sometimes pensioners can apply for such a card for financial support for their grandchildren, etc.

Additional card issued upon a written application from the main card holder, which is submitted to the Bank at the place where the card account is maintained.

Previously, Sberbank gave a clear explanation of who can be issued additional cards to the Maestro social card, but now such information is no longer available on the website. So, previously an additional card was issued:

• persons over 14 years of age (residents and non-residents);
• persons over 10 years of age, provided that they are closely related to the main cardholder or are under his care. If the primary cardholder is not the parent, adoptive parent or guardian of the minor, the consent of a legal representative is required to issue an additional card.

And in order to exercise control over the spending of funds through additional cards, the holder of the main Sberbank-Maestro card can submit a written application to the Bank at the place where the Account is maintained to set limits and restrictions in the form of:

• limit on receiving cash via Card(s) within a month;
• limit on transactions in the trade/service network using the Card(s) during the month;
• total limit to carry out any transactions using the Card(s) within a month;

What can you do with your Maestro “Social” account and card?

The holder of the Sberbank - Maestro “Social” card can use it to carry out the following operations on their account:

1. Receive cash from your account through a cash desk, at ATMs and cash dispensers of Sberbank of Russia throughout Russia.
2. Receive cash from ATMs of subsidiary banks of Sberbank of Russia OJSC abroad (in Kazakhstan, Belarus, Ukraine, Turkey, Switzerland...)
3. Carry out automatic payments for payments cellular communication, housing and communal services and other services by filling out an application for this.
4. Make non-cash payments to legal entities for goods and services in Russia through information and payment terminals (IPT) and ATMs of Sberbank of Russia.
5. Make payments for goods and services at all retail and service points in Russia designated by the Maestro trademark.
6. Implement.
7. Make payments for goods and services online.
8. Make payments and transfers using the Mobile Bank and Sberbank Online systems.
9. Top up your card in cash or by non-cash method (transfer to card).

In addition to all of the above, there is another attractive opportunity to use a social card. If you are an active Internet user and have signed up for a service in the form of Sberbank Online@yn for your card, then you can make deposits without leaving your home by transferring funds from the pension card account to such pension deposits in rubles as “Save Online” and “Replenish Online @yn", for which interest rates are significantly higher than regular bank deposits. Moreover, Sberbank has prepared enough detailed instructions for opening online deposits through Sberbank Online. These two types of deposits can be made and replenished if you have a card, even through ATMs and Sberbank terminals.

Restrictions on the use of Sberbank social cards

Social card of Sberbank of Russia has certain limitations in use, although most of its holders may not even feel them. Restrictions on using the Sberbank-Maestro “Social” card are as follows:

• The card is serviced at ATMs, branches and cash points of Sberbank of Russia;
• The card is serviced abroad only at ATMs of subsidiary banks;
• Operations by Maestro card - Sberbank are carried out only in Russian rubles;
• The card does not have a CVV2/CVC2 code, as it is an entry-level card;
• The card is not intended for depositing salaries, i.e. cannot work as a salary card if the pensioner is working.

Accrued interest on the balance of funds

By account Sberbank social card - Maestro “Social”, as well as on the “Pension Plus of Sberbank of Russia” deposit, interest is accrued on the balance of funds in the account. According to the tariffs, interest on the Sberbank-Maestro Social pension card is accrued in the following amounts:

Interest is credited to the Sberbank-Maestro “Social” card account quarterly after each three-month period determined from the date of opening the card account - quarterly capitalization of interest is carried out.

Tariffs for servicing Sberbank-Maestro “Social” bank cards

In addition to interest, the bank also sets tariffs at which holders of the main and additional cards pay for the issue and maintenance of cards. Sberbank of Russia periodically reviews the parameters and tariffs for issuance and servicing bank cards Sberbank-Maestro “Social”.

I will give separate tariffs for servicing the Social Card of Sberbank of Russia as of mid-2014. So, card service tariffs have the following parameters:

№№	Name	Terms of service, tariff limits (for 2013)
1.	Annual servicing of a bank card (for the first and each subsequent year of servicing	for free
1a.	Annual maintenance for each additional card	150 rub.
2.	Down payment to a bank card account	not required
3.	Suspension of the card if it is lost by the client	for free
4.	Regular or early reissue of the card	for free
5.	Early reissue of the card in case of loss of the card, loss of the PIN code, change in the personal data of the Cardholder	30 rub.
6.	Acceptance of funds for crediting to the card account in a structural unit through OCD or US	for free
7.	Limit on transactions for accepting cash for crediting to card account via OKR per day	10,000,000 rub.
8.	Issuing cash in Russian Federation currency from an account using a card:
	- within the daily limit	for free
	- over the daily limit	0.5% of the amount exceeding the limit.
9.	Cash withdrawal limit for Sberbank social card account
	- Per month (at bank offices)	RUB 1,500,000
	- Daily limit	50,000 rub.
	- Daily limit (at bank offices other than the place where the account is maintained)	50,000 rub.
	- Daily limit (at ATMs of other banks)	50,000 rub.
10.	Limit on transactions for payment of goods and services per day	not provided
11.	Overdraft limit on a bank card account	not installed
12.	Fee for unauthorized overdraft on card account	40% per annum
13.	Fee for providing a report on a bank card account:
	a) on paper in branches and internal structural divisions of the Bank	no commission
	b) with the exception of providing an additional report on the bank card account	50 rub. for each additional report on the card account
	c) by email	for free
	d) by mail	150 rub. in year
14.	Emergency cash withdrawal outside Russia	not implemented

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

When paying with a Maestro “Social” bank card, some retail and service outlets provide a discount on goods or services. The list of trade and service points for each region of Russia is determined by the regional bank individually, based on agreements with clients. The list for each region can be viewed on the bank’s website. Discounts range from 1 to 12%. Most often, discounts are provided by pharmacies.

Additional services of Sberbank for pension card holders

Sberbank also offers social card holders to take advantage of additional services in the form of:

1. Sberbank OnL@yn ( automated system account service via the Internet)
2. Mobile bank (work via mobile phone: receiving SMS notifications about card transactions, limit available funds, about the last five transactions on the card, transfer funds from card to card via SMS...);
3. Automatic payment (automatic replenishment of the phone balance from the pension card account based on the client’s instructions).

It should be noted that additional services allow you to use your social card more efficiently, but this also costs some money.

An example of calculating the cost of owning a Sberbank pension card

Now let’s figure out whether it’s profitable to transfer your pension to a card account today.

Let's consider a conditional example, when the daily balance on the card account during the year averaged 3,000.00 rubles, and the client used certain services according to the tariff plan.

So, calculating the cost-effectiveness of a social card using a conventional example looks like this:

In our example, expenses exceeded income by 245.00 rubles. But if you do not receive an additional card, do not request additional reports on the movement of funds on the card too often, and do not rush to immediately withdraw the entire credited pension, then you can make servicing with a pension card comfortable and even profitable!

How to return funds illegally debited from a card account (new in laws!)

Sometimes funds are debited from a bank card account that are not authorized by the social card holder. “Loss” of funds from the account may occur in the event of the loss of an electronic means of payment and (or) its use without the client’s consent. How to solve such a problem? In order to promptly take measures to return funds illegally debited from your account, be sure to immediately review all SMS messages received from the bank with notifications about transactions performed on the account. The bank now has such a mandatory service.

On January 1, 2014, the Federal Law of the Russian Federation of June 27, 2011 N 161-FZ came into force, which imposes the duties of money transfer operators, i.e. Banks are responsible for the following functions:

4. The money transfer operator is obliged to inform the client about the completion of each transaction using an electronic means of payment by sending the client a corresponding notification in the manner established by the agreement with the client. (Part 4 of Article 9)
5. The money transfer operator is obliged to ensure that the client can send him a notification about the loss of an electronic means of payment and (or) about its use without the client’s consent. (Part 5 of Article 9)

Based on this, in order to prevent illegal debiting of funds from your account, monitor the SMS messages that will arrive from your bank after each transaction and if the debiting operation is not known to you and was not carried out by you, then urgently take measures in accordance with the following points of the same law:

In case of loss of an electronic means of payment and (or) its use without the client’s consent, the client is obliged to send a corresponding notification to the money transfer operator in the form provided for in the contract immediately after discovering the fact of the loss of the electronic means of payment and (or) its use without the client’s consent, but no later the day following the day of receipt from the money transfer operator of a notification about the completed transaction. (Clause 11 of Article 9 N 161-FZ)

After the money transfer operator receives a client’s notification in accordance with “Part 11” of this article, the money transfer operator is obliged to reimburse the client for the amount of the transaction performed without the client’s consent after receiving the specified notice.

Pros and cons of the Sberbank of Russia Maestro card

I will give a comparative table of the most significant pros and cons of the Sberbank of Russia Maestro card:

№	Pros of the card	№	Disadvantages of the card
1.	Possibility of issuing an additional card for a family member	1.	High interest rates for pensioners on withdrawals of excess amounts from a card account.
2.	Possibility of quick withdrawal of funds through ATMs in any major metropolis of the Russian Federation and at ATMs of subsidiary banks outside the Russian Federation.	2.	Fear of ATMs and information and payment terminals in older people (common)
3.	Opportunity independent conduct payments and transfers through terminals	3.	Inaccessibility to use the card in rural areas, where there is no appropriate technical base and remote communication channels.
4.	Calculation of interest on account balances	4.	Increasing cases of unauthorized withdrawal of funds from the card account without the knowledge of the card holder.
5.	Receiving SMS messages on the movement of funds in the account when connecting to Mobile Banking	5.	Limitation of services only to the territory of the Russian Federation and subsidiary banks abroad.
6.	Possibility of placing funds on deposits through ATMs, terminals and the Internet using the Sberbank Online@yn system	6.	Increased risks - if an error was made when entering data and the money was not credited to your account

Frequently visiting Sberbank, I constantly see a picture of how bank employees offer another pensioner a social card of Sberbank of Russia, and this is correct, it should be offered, but explanatory work with clients should not turn into another “company” and be carried out in an emergency manner, on the days of mass pension payments . What can you ask and what can you learn if you are not ready to talk and when there is a long line of pensioners behind you. In addition, I have never heard bank employees say that servicing the card is paid. Perhaps they forgot to say? They also do not talk about the possibility of issuing an additional card for relatives, who sometimes accompany the pensioner to the bank. But they talk a lot and willingly about the fact that card transactions can be insured. And again, they modestly forget to say that the insurance will be issued at the expense of the card holder himself. And so a person writes an application for a Sberbank social card and goes home with the happy feeling that he has not fallen behind in progress, and he learns about additional expenses from a pension or benefit and about some unpleasant nuances of working with the card a little later.

But pensioners still have the right to choose, i.e. you can return to the savings book. Although in my Sberbank branch, when I refused to write an application for a Sberbank pension card, they literally told me the following: “Where will you go. When we liquidate savings books, come and write.” This “poor manager” didn’t even think about the harm she was doing to her bank with these words. After all, if after such words I thought about it and transferred the receipt of my pension to the post office, then other people may also think about it. And that part of pensioners whose pensions are quite modest are the first applicants for the transition, and this will not add income to the bank.

Well, for those who chose Sberbank social cards and whose pensions can easily withstand the additional costs of maintaining them, I wish only successful contacts with ATMs and self-service terminals. Good luck to all readers.

Basic conditions for obtaining a Social Card of Sberbank of Russia

Sberbank opened new program called “There are no queues!” within the framework of which a comprehensive service was offered to all pensioners, which includes convenient technical service and a lot of other opportunities, which were embodied in the special Sberbank-Maestro “Social” card. But today it is not only pensioners who are served under special social conditions.

There are two types of Sberbank of Russia social card - for people receiving benefits and pensioners, as well as for students and pupils over 14 years old. Both types have some limitations, but for holders they are not significant and are practically invisible.

The official name of the card is the Sberbank Maestro “Social” card, provided to the following categories of citizens of the country:

1. Individuals receiving an old-age pension, in the event of loss of a breadwinner, disability and other cases;
2. Individuals receiving different kinds social benefits, subsidies and other social payments.

There are also several conditions for issuing a card. Here are some of the main ones necessary conditions in order to receive a Social Card from Sberbank of Russia:

• As already stated, the holder must be over 14 years of age;

• Must have proof of identity;

• You also need a document confirming your registration at the place where the card was issued (passport is the main document).

In each individual case of issuing a card, in addition to your passport, you must present a document that will confirm your right to receive a pension or any other social benefits. You can find out more about this from official representatives of the bank.

The card is issued immediately and free of charge at any branch of Sberbank; exceptions to the timing are those who already receive a pension from Sberbank - they will have to wait 2 weeks to receive the card.

There is no need to contact the pension fund, because... This is taken care of by the bank itself.

Some provisions of the Social Card

The main limitation that both Social cards have, both pension and student, is lack of cash withdrawal function abroad, but you can make various purchases with non-cash payments (except in cases where only cards with a chip are serviced). Now we present some basic opportunities and conditions on which cooperation with the bank on this card is based:

1. 3.5% per annum is charged on the balance on the card;
2. Overdraft is 40% per annum (short-term lending to the client by replenishing his personal bank account);
3. It is possible to issue various additional cards (more details in the “Additional cards” section);
4. Annual maintenance on the main card can vary from 0 (for pensioners) to 300 rubles, and on additional ones - 150 rubles (but small annual charges on the balance may completely cover maintenance costs);
5. ATM statements are free (ATMs of Sberbank of Russia);
6. It is possible to pay for a very wide range of goods and services on the Internet;
7. There is access to making transfers and payments to Mobile Bank and Sberbank Online;
8. Access to transactions through ATMs and Sberbank terminals (no commission for cash withdrawals);
9. Replenishment of the card account by non-cash and cash payments.

We recommend that all card holders and those planning to issue one ask bank employees for additional information about the “Thank you from Sberbank” bonus program, about discounts and offers from partners, as well as about the discount program from MasterCard, an international payment system.

Information about the possibility of issuing additional cards

The Sberbank social card includes ample opportunities for issuing various additional cards. For elderly people or frequently ill Social Pension Card holders, there is big advantage– in addition to the main one, a card can be created in the name of another person, which can help solve frequent problems with going to stores and withdrawing cash from ATMs.

Additional cards can be created for persons over 10 years of age who are closely related or under the care of the main card holder.

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10 comments to the article “Social card of Sberbank of Russia”

I purchased a Sberbank social card five years ago to receive compensation for part of the payment for kindergarten. I paid 50 rubles for the production of this card. We have already finished kindergarten, but I still use the card, I put money on it myself, it’s very convenient. Now I am receiving benefits for my second child on this card.

Very convenient card! Personally, I really like the fact that 3.5% is charged on the balance - it seems like a small thing, but pleasant! Sberbank also has a very wide ATM network, so there have never been any problems with withdrawing children’s funds.

My mother uses the Sberbank of Russia social card to receive her pension. I myself use such a card - I receive it on it child benefit. I really like the opportunity to pay for a huge number of goods and services on the Internet without leaving home and the ability to replenish the card in cash and non-cash. I don't pay anything for annual card maintenance.

A friend was denied a social card a month before her pension was awarded. But when submitting an application for a pension, you immediately need the number of the card or personal account where to transfer the pension. So what should we do? In March, they opened such a card for me without any problems, 4 months before my pension was assigned.

Commission for servicing the Mir card in Sberbank for pensioners

Following the 2014 incident related to the refusal of international payment systems to operate in Crimea, an urgent need arose to commission a national PS. Soon the product was released, and the government, together with the Central Bank, actively

introduces them into the lives of users. However, is the World social card comfortable to use for pensioners in 2018? And is it profitable to be serviced by this product? Since the introduction of innovations is associated not only with new alternatives, but also with unforeseen difficulties that cannot be predicted and eliminated in advance.

Advantages and disadvantages of the “World” card

First, you need to find out the advantages and disadvantages of the updated payment products. Since the main advantages are associated with the root cause of their release and are contained in:

• independence from the Ministry of Railways, because transactions are carried out only on the territory of Russia and are not interconnected with foreign organizations;
• state support, expressed in the government's desire to distribute cards;
• high degree of security - including 4 degrees of protection.

The main disadvantages of the Mir card include:

• Not undergoing operations outside the country;
• It is not possible to withdraw funds from cards at individual ATMs in Russia;
• Forced transfer to use the Mir card, which is associated with many negative user reviews.

Pensioners decide which characteristics outweigh, since the transition to this card affected them the most.

Validity period and conditions for the Sberbank Mir pension card

The main and significant advantage of the Mir card is the absence of service fees. Only the mobile banking service is provided on a paid basis. However, the service can be switched to an economical mode, in which there is no fee for use.

The card is valid for three years, then it is automatically reissued. It is impossible to issue an additional one to the main card, and it is also impossible to link plastic cards operating through other payment systems to the account.

There are established limits on cash withdrawals through an ATM in the amount of 50 thousand rubles. in a day. When cashing out an account through a cash desk, you can receive an amount higher than the specified amount, but for excess, a commission equal to 0,5% from an amount over the limit.

Supporting Features

In addition to the above conditions, pensioners should know other differences and properties of payment cards. The most attractive option is to accrue interest once a year on the minimum balance. In 2018, the amount of savings in the account will increase by 3,5% .

In addition, Sberbank provides the opportunity to:

• Remotely control the account status through a mobile bank and an individual account;
• Activation of the autopayment option, which automatically transfers funds for services selected by the client;
• Use the “Thank you” program, which gives you the opportunity to save on paying for purchases using your card.

How to get a card for pensioners Mir

The Mir pension card from Sberbank is issued subject to the following conditions:

1. The client reaches retirement age and begins to receive accruals (in such cases, a choice is made in favor of transferring payments to the Mir card, or receiving them via mail).
2. Having made a voluntary transition to payments to the card (provided that funds were previously received via mail).
3. Receipt new card at the end of the old one's service life.

As noted above, this bank product is provided only to pensioners. Other current and future clients cannot apply for this card, even if such an offer would be beneficial to them. In addition, the World card for pensioners is one of two options for receiving payments.

There are not many ways to obtain a payment card from the national payment system. Let's look at them in more detail:

• By filing an application with the pension fund;
• By submitting an application to the MFC;
• Going to any Sberbank office;
• By filling out a form on the bank's website.

Submitting an application is possible only within the region of your permanent location. You also need to have the following documents with you: a civil passport, SNILS or a document certifying the receipt of a pension.

There is no need to worry about age or fees for providing a card. Plastic is provided absolutely free. Timely payment of pension payments is the responsibility of any country, and therefore there is no fee for servicing a pension card.

Is it possible to refuse the Mir pension card?

Persons who do not want to replace their Mir card will have to give in and get a new card. Today there is practically no possibility of refusing to receive a national PS card. The only way not to use plastic is to pick up funds at the post office, or wait for the postman to bring the payment.

Therefore, it is mandatory for pensioners to receive a Mir card. However, it is still possible to transfer money from a pension account to another. This can be done in your personal online banking account. However, there is no way to predict how long this option will remain in place, and it is likely that restrictions will be placed on this operation.

Conclusion

It is not difficult to determine the purpose of a Sberbank Mir pension card. You just have to carefully read the requirements for its provision, maintenance and use. Therefore, there will be no difficulties in using it.

Can long time talk about the profitability of issuing a national payment card. However, due to the fact that its introduction will crowd out other pension cards, there is no point in discussing them. In any case, all payments will be made to it. In this connection, it is necessary to familiarize yourself with all the positive aspects and apply them when using.

Social card of Sberbank of Russia for pensioners

Receiving your pension can be done in cash or by crediting the amount to your bank account. The most convenient way to receive, accumulate and spend pension funds is a bank card. There is a special Sberbank product for pensioners. These are pension cards that are only available to state pension recipients. Such cards are convenient and easy to use. The right to receive them belongs to all Russian pensioners without exception.

Types of Sberbank pension cards

Currently, only one type of pension bank cards is issued. These are WORLD cards. However, until recently, pensioners were issued Maestro/Mastercard cards. Now the issuance of such products has been stopped due to the transition to MIR format plastic. They are now issued to all government employees, pensioners, military personnel and similar categories of the population.

At the same time, Maestro cards continue to be valid. Their service has not been stopped and this is not planned at all. These products will operate under the same conditions. There are no special inconvenient conditions for Maestro holders. Simply after the expiration of the specified product, pensioners will receive MIR cards in exchange for Maestro.

Thus, pensioners have two types of valid cards in their hands. Each of them works on initial conditions, no fundamental changes have occurred.

Video on pension cards from Sberbank

How to get a Sberbank social card for pensioners

As stated above, all pensioners are eligible to receive the designated products. These are the following population groups:

• Pensioners by age. In this case, work experience does not matter. Upon reaching retirement age, every citizen becomes a recipient of a pension;
• People receiving a pension due to disability. All funds from such a pension are credited to the card;
• Receipt of special pensions is also carried out on a social card. Special pensions are long-service payments that are due to retired military personnel, police officers, prosecutors, and so on.

Thus, the right to a card arises for all categories of pensioners, regardless of the basis for receiving pension payments. To obtain a card, you only need to have a passport. After all, you need to certify that you are a Russian citizen and that you have registration. All specified information is contained in the citizen’s passport. You will also need a pension certificate. No more papers needed. Sberbank will not require extracts from your work record book or certificates from the Pension Fund. The entire procedure for receiving the product has been simplified as much as possible for the convenience of pension recipients.

It is important to understand the methods of obtaining a pension card. The procedure has some specifics. Therefore, it should be considered in more detail:

• The most in a simple way You will receive the card at the Sberbank branch at your place of residence. All you have to do is visit the office and pick up a coupon to receive a new card. This is suitable for those who are applying for a pension card for the first time. At the office, the manager will accept the application and in three weeks the card will be ready;
• If you need a replacement card due to expiration or loss, you should also contact the bank office. The sequence of actions will be the same. You should take a coupon and inform the manager about the need to replace the product. You will need to fill out a standard application form indicating the reason for reissue. At the same time, instead of the previous Maestro card, the pensioner will receive a new MIR card;
• If a pensioner is a holder of other bank products, he must have a personal account. This is a convenient service that gives online access to all actions. You can also order a reissue of your pension card. That is, to use the service personal account, the pensioner must already be a plastic holder. After placing an order, in two to three weeks the pensioner will receive an SMS message notifying them that the card has been reissued. However, you will only have to receive it in person when visiting a bank office. It is not allowed to send the product by mail or transfer it by courier. Therefore, the pensioner will still have to visit a bank branch;
• If you need a new card, you won’t be able to use your personal account. You just need to take the documents and go to the Sberbank office.

Thus, to obtain a new card, you only need a passport and a pension certificate. And for re-issue, only a personal passport is enough. In all cases, it is necessary to pay a visit to a bank branch. You won’t be able to complete all the steps and get a card online. This is done to protect product holders from fraudulent activities.

Conditions and cost of servicing the MIR social card

As indicated above, the only condition for receiving a MIR card from Sberbank is reaching retirement age. Accordingly, the very fact of retirement and the issuance of a pension certificate give a person the status of a pensioner. And each such person has an unconditional right to receive the specified product.

Upon presentation of your passport and pension certificate, a bank employee will fill out an application and help fill out an application for the issuance or reissue of a card.

Since these products belong to the category of social cards, they are serviced under special conditions.

As a rule, the bank debits funds from the card account annually as payment for its servicing.

However, such rules do not apply to pension products. For them the holder. No need to pay.

Accordingly, card servicing is free of charge for a person. The costs are borne by the Pension Fund.

However, when connecting to the Mobile Bank service, you will need to pay for this service from your own funds. This is not included in the card service itself.

This service consists of SMS notification of card expenses.

The holder receives notifications about the transfer of funds and expense transactions. He can manage his accounts and top up his mobile phone from his card account. This is convenient because the availability of bank services is significantly expanding. After all, the holder controls his accounts on a constant basis. For getting important information he does not need to go to the bank or use terminals. The card account number will be “linked” to the mobile phone number. This service should be activated immediately after the card is issued. But you can connect it at any other time.

At the same time, the cost of paying for the mobile banking service is 60 rubles per month, which is not burdensome at any level of pension.

Production time and card validity

The production period covers the time from the moment the application for card issuance is submitted until the day it is received by the Sberbank client. The bank will significantly improve its service and is trying to issue cards as quickly as possible. However, when applying, the client will be focused on a period of three weeks after submitting the application.

However, the card will be issued faster than the specified three weeks. Practice shows that the actual delivery time for most pension products falls within two weeks.

In this case, the client receives a notification about the receipt of plastic at the bank branch in the form of an SMS message.

After receiving such a message, he can visit the bank any day and simply pick up his card.

Social card features

First of all, a social card is a bank account. Pension funds are credited to it. Accordingly, this card will be replenished monthly from pension payments.

In this case, the client has ample opportunities to use the specified card. They should be considered in more detail:

• He can pay for purchases in stores. The card works in the same way as salary products or credit cards. At the same time, modern MIR cards can simply be applied to a payment terminal and paid for purchases without entering a PIN code. But this opportunity is provided only if the check amount is less than 1000 rubles;
• You can pay for utilities and other services. For this, personal account services or Sberbank terminal capabilities are available;
• The card can be used as a savings account. That is, the saved funds can simply be left in the account;
• You can top up your mobile phone account. It is especially convenient to do this with the mobile banking service.

Overall, the card's capabilities are quite impressive. They are no different in functionality from payroll products. The advantages are the absence of service fees and the ability to pay for purchases and services cashless.

You should pay attention to the only negative. Currently MIR cards are not supported in other countries.

Therefore, it makes no sense to take it with you on a trip.

However, this applies not only to pension products, but also to all MIR cards in general. After all, the salaries of all government employees and state employees are credited to it. But within Russia, these products will become an excellent means of payment.

How interest is calculated on the Sberbank Social Card

The card is linked to a specific account. Simply access to this account is carried out using plastic. Consequently, when the pension is credited, the money goes to the card holder’s account. And interest will be automatically accrued on these funds.

Since we are talking about a pension card, the interest rate is increased. Thus, the bank provides for the accrual of 3.5% per annum on the amount of the card balance.

This enrollment occurs automatically. This is provided for in the terms of the card issuance agreement. To do this, you do not need to write additional statements or take any actions. Interest is accrued on the amount that is available on the card account at a particular moment. Accordingly, the greater the amount of savings in the account, the more dividends in the form of interest the card holder will receive.

How to use a Sberbank pension card

Making purchases is carried out by placing the card on the terminal in the store or entering a PIN code. However, using this product you can make money transfers and top up your account. To do this, you can use the Sberbank online service or any bank terminal.

For example, to top up your account you should select the “cards” tab:

1. You should find the pension card in it and select it by clicking on the mouse button;
2. After that, you need to choose a replenishment service. They can be replenished by debiting money from your other account;
   If you need to top up with cash, you should use the terminal. It is necessary to insert the corresponding bills into the receiver after inserting the card itself;
3. For further transfer, you need to select the “transfers and payments” tab;
4. Then, select “translations”;
5. After that, you need to enter the account number to which the transfer will be made. In this case, you can always use the services of a bank consultant, which are available in any operating room.

What cards does Sberbank still provide to pensioners?

Pension products are debit cards. In essence, they are no different from salary payments. Simply, wages are credited to salary cards, and pension payments are credited to pension products. In addition to this debit card, a pensioner can receive a credit product. This is also a plastic product with one or another cash limit. The specific size of the limit depends on a number of conditions and is determined in each case individually.

But the size of the bank client’s pension and his age are of fundamental importance.

Conclusion

Thus, the presented product is available to all pensioners. And such cards are provided completely free of charge. Only the additional mobile banking service is paid for.

With the help of a pension product, you can make any purchases, accumulate funds, and pay utility bills. However, these cards are not serviced abroad.

To receive the designated product, it is enough to visit the bank office with your passport and pension certificate. Two weeks after writing the application for issuance, the product will arrive at the bank and all you have to do is pick it up.

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 bank cards citizens of retirement age, 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 by 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);
   • replenishment of the card by bank transfer from another debit card 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?

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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 service, 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.