Sberbank pension bank card. Free issue and maintenance. Ways to receive a pension at Sberbank

Card production time

In Moscow, St. Petersburg, Novosibirsk, Yekaterinburg, Nizhny Novgorod and other large cities, the card will be ready in 2-3 working days; in the regions, production and delivery will take from 3 to 10 working 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, the production time will be counted 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 receive a card?

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

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: 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 for 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 awarded automatically when paying by card - their number depends on the level of privileges.

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

How can I use THANK YOU bonuses?

THANK YOU bonuses can be exchanged for discounts when purchasing goods and services from Partners; a full list of partners is available. In addition, THANK YOU bonuses can be exchanged for a discount when purchasing air tickets and hotel accommodations (on the website “Thank you from Sberbank. Travel”). Bonuses can also be exchanged for discounts when purchasing tickets to events - the service is available on the website “Thank you from Sberbank, Impressions”.

How can I find out my card details?

To find out the details, find the required card in the Sberbank Online mobile application and click “Show details”.

Another way: in your Sberbank Online personal account, go to the “Cards” section and find the card you need, then “Card information” → “Transfer details to the card account”.

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 fraudsters. Making purchases without presenting a card or entering a PIN code is much safer, since no one sees the card data. Besides, contactless technology protects against double debits - after paying for the purchase, the terminal beeps and turns off automatically.

Applying for a bank card is a common procedure that every citizen of the Russian Federation faces. The most pressing issue will be for pensioners and social workers. The desire of financial institutions to expand their area of ​​influence is the reason that such people have the opportunity to choose from a variety of offers from government and other institutions. One such product is the Sberbank pension card. You can find out what a Sberbank pension card looks like, as well as order it, in one of several ways: by visiting the nearest branch or ordering through a pension fund employee.

Specifics of choosing a method of receiving a pension

According to current legislation, each pensioner has the right to independently decide how it is convenient for him to receive his pension: at the post office, on a bank card, with the involvement of special companies. Many people consider contacting a bank to be the most successful option. This is due to the favorable cost of service and the opportunity to receive a number of additional services by clients who have Sberbank debit cards for pensioners. How well a bank is chosen for making cash payments will affect the following in the future:

• the ability to use other bank products on favorable terms (loan processing, utility payments, other transfers);
• minimizing the time spent on visiting a branch that is located in your area and not in another part of the city;
• receiving advantageous offers from the bank (bonuses for conducting transactions in certain stores, the ability to pay in installments when purchasing household appliances, accrual of interest for storing money in an account).

Considering such features, a person choosing a suitable bank should be especially scrupulous. This will ultimately eliminate a number of problems that often arise with many pensioners who have a social card. They involve the need to find a suitable ATM, withdraw money for individual transactions, and other unforeseen expenses.

Note! In most cases, the regional branch will offer to transfer your pension to one of the state banks, and this is very justified. Due to a number of reasons, many pensioners may prefer other banks, but many consider Sberbank to be the clear leader.

Upon expiration of the card, the new one will belong to the MIR payment system

Advantages of issuing a pension card at Sberbank

A pension card from Sberbank is a popular product, specially developed by managers of a financial institution for categories of citizens receiving pension payments. The terms of its use provide the following:

• no account maintenance fees, regardless of the number of transactions carried out;
• owners of Maestro “Social” plastic will receive interest for storage in the amount of 3.5 per annum;
• SMS notifications about advantageous offers from the bank (free for the first two months).

Due to this, many pensioners prefer to cooperate with this bank. Such a decision is associated not only with benefits, but also with a constant increase in the number of branches in many large cities of our country. The same situation is with the ATM network, when using which customers will not have to experience any difficulties.

Important! All pensioners who receive accruals from credit institutions in the Russian Federation, providing for transactions using payment cards, will be transferred to the national payment system "MIR".

This will be done as current bank cards expire.

Card design

The process of opening any bank account, including one that involves issuing a plastic card, requires a personal visit to one of the branches. Before you go to the nearest one, you should make sure that you have all the necessary papers with you. The package of mandatory documents that will be needed when opening an account for citizens who have decided which card is best to transfer their pension to includes the following:

• a copy of all pages of the Russian passport, including those with registration;
• pensioner's certificate or extract from the regional office of the fund.

Note. If you plan to pay public utilities through personal account, you will need your phone number to which a one-time code will be sent for verification.

You can apply for a pension card at a Sberbank or Pension Fund branch

Registration of a card at the Pension Fund branch

Submitting an application from a person who needed a card to receive a pension directly through an MFC employee is one of the easiest ways to solve the problem. However, employees of this structure will receive notification of the opportunity to use a bank card only after several weeks. In most cases, the next month's pension comes with a new one, the registration of which has been carried out. However, sometimes there may be slight delays associated with completing all the necessary paperwork.

How to transfer a pension from another bank to a Sberbank card

In some cases, pensioners who previously received accruals from other financial institutions decide to terminate the agreement with the previous financial institution and enter into a new one with Sberbank. Anyone who wants to figure out how to apply for a pension card at Sberbank will have to do the following:

1. Step 1. Contact the nearest Sberbank branch with your passport and other documents. Write an application for the issuance of a social card, which is valid for three years.
2. Step 2. Wait two weeks before receiving a bank card with the details for it. If necessary, a bank employee will help you create a personal account, with which you can not only make payments, but also order an instant statement, which will immediately appear on the monitor. This add-on is also designed to implement various security settings (locking, unlocking, changing PIN code, etc.).
3. Step 3. Visit your regional office Pension Fund, where to fill out an application for transfer of pension to an issued bank card. In this case, the account number and other details are indicated.

Note! The card number and account details to which payments will be credited are not the same thing. In this regard, in order to avoid misunderstandings, it is important to take care of obtaining all the necessary data from the bank branch.

Many pensioners trust Sberbank

Opinions of pensioners on the use of a plastic card from Sberbank

Considering the fact that any pensioner who prefers the option of receiving a pension for plastic card, you don’t have to depend on post office workers, most people’s impressions are positive, and there are practically no downsides. All of them note the following advantages of servicing at Sberbank:

• the ability to connect an automatic payment, under the terms of which funds for utilities will be written off or part of the money will be transferred to a savings account, which is provided by the Sberbank pension card;
• use for shopping in a store, both grocery and other, which in turn eliminates the problem of accumulating small money, as well as storing it;
• security due to the fact that receiving a pension on a plastic card guarantees the safety of funds from thieves and fraudsters;
• instant blocking via SMS or after calling the operator in the event that the bank account is lost, as well as free unlocking at the request of the owner.

January 2019

The popularity of all kinds of plastic cards is steadily growing not only among the young and middle-aged population, but also among pensioners. More and more older people prefer to receive their pension directly to a bank card rather than visiting post offices and standing in long queues. This publication will offer the best pension cards for consideration.

How is a pension card convenient?

The process of receiving a pension on a card is absolutely superior in all respects to visiting a post office. Therefore, those who have not yet transferred their pension to a card should definitely take advantage of this opportunity.

The main advantages of receiving a pension on a bank card:

1. Convenience and ease of receiving funds. You don’t need to go anywhere to get money, stand in long lines and waste your time. On a certain day of the month, accruals will be made Money on the card. You can remove them at any convenient time and in the right quantity. And the necessary ATMs are often even closer than the post office.
2. Calculation of interest on the cash balance. It is not valid in all banks and not for all debit cards, but you can find an option with such charges.
3. All kinds of discounts, cashbacks and bonuses. Some banking organizations offer pensioners more profitable shopping opportunities and also provide various discounts at partner stores.
4. Easy process of paying utility bills and other bills. All utility bills can be paid through your personal online banking account very quickly. There is no need to knock on the doorsteps of various payment branches.
5. Possibility of receiving quick money transfers from family and friends. Using bank cards, this procedure is carried out instantly - regardless of the time of day or distance.
6. Relative safety of pension funds. The risk of cash theft is significantly reduced, since money does not need to be carried with you at all times.

Which banks does the Pension Fund of the Russian Federation work with?

In the process of searching for the most suitable offer, a pensioner may have a question: “Which bank’s card can I receive a pension on?”

Below is the TOP 10 banks with which the Russian Pension Fund works.

1. Sberbank
2. Rosselkhozbank
3. Opening
4. Tinkoff Bank
5. Promsvyazbank
6. Sovcombank
7. Uralsib
8. UBRD
9. Post Bank

Which bank is better to receive your pension?

This part of the article presents the best pension cards of 2019. After reviewing these offers, it will be easier for a pensioner to make a choice in favor of one card or another.

Sberbank - MIR pension card

It is quite natural that the most reliable and popular banking structure in the country could not ignore the part of the population that had reached retirement age. The vast majority of pensioners receive pensions on Sberbank cards, and the huge number of ATMs and branches within walking distance is a significant advantage for this category of citizens.

Main characteristics of the MIR pension debit card:

• free annual maintenance;
• action of the bonus program “Thank you from Sberbank”;
• the card is issued for a period of 5 years;
• the percentage on the balance is 3.5% per year (accruals occur once every three months);
• the cost of mobile banking is 30 rubles per month (the first 2 months use of the service is free).

Post Bank - pension on MIR card

The bank offers good conditions to transfer pension to their card. The Post Bank card for receiving a pension allows you to receive a payment of up to 6% per annum on the balance every month. This percentage is valid for card balances of 50,000 rubles or more. The card accrues 3% cashback for payments in the categories “Fuel”, “Pharmacies” and “Transport”.

Opening and servicing a non-personal card is free, but issuing a personalized card will cost 300 rubles. There is no charge for using mobile and online banking services.

Free cash withdrawals are possible through ATMs of this bank or partner banks of the VTB Group. The monthly cost of SMS notification is 49 rubles (the first 2 months of use are free).

Rosselkhozbank - card for pensioners

The main features of the MIR card for crediting a pension are as follows:

• You can immediately get the plastic into your hands;
• issue and maintenance fee - 0 rubles;
• income on account balance - up to 6% per annum;
• the “Harvest” bonus program, which awards points for card payments;
• You can withdraw cash without commission at ATMs of Rosselkhozbank, Rosbank, Alfa-Bank, Promsvyazbank and Raiffeisenbank;
• The monthly cost of SMS alerts about transactions is 59 rubles.

Promsvyazbank - a profitable card for pensioners

The PSB pension debit card is issued and serviced free of charge. It is possible to receive it in your hands on the day of application. The main characteristics of this product are as follows:

• payments on the balance of funds - up to 5% (this percentage is valid if the daily balance is at least 3,000 rubles);
• the funds in the account are insured by the DIA;
• for paying for purchases in the “Gas Station” and “Pharmacy” categories, a cashback of 3% is awarded (the maximum you can accumulate is 3,000 points per month);
• SMS notification - 69 rubles per month.

You can withdraw funds without commission either through Promsvyazbank ATMs or through partner banks. PSB partners include the following financial structures:

1. Binbank
2. Alfa Bank
3. Rosselkhozbank

VTB - free pension multicard

The bank presents people of retirement age with a specialized multicard with the ability to choose a bonus program - for example, connecting a cashback option for purchases in various categories or increasing interest on the balance. The bonus program can be changed once a month.

You can choose cashback for the category you like most:

• up to 2.5% for each purchase;
• up to 10% for purchases in the “Auto” category;
• up to 10% for paying bills in restaurants;

The size of payments on the balance on the card can reach 7.5% when you activate the corresponding bonus option in your personal account. For free annual service, it is enough to receive a pension on the card.

SMS notification of financial transactions on the card is free, as is mobile and Internet banking, and for cash withdrawals without commissions there is a fairly extensive network of ATMs of VTB and its partner group.

Opening - refund from purchases in pharmacies

The corresponding card is issued in two versions - instant or personalized. The cost of annual maintenance for each option is 0 rubles.

The card provides cashback for purchases at any pharmacy - 3% of the funds spent will be returned back (but not more than 3 thousand per month). Interest payments on the balance range from 3.5 to 4% and are made every month.

Pleasant bonuses of this pension card include free SMS notifications and cash withdrawals from all ATMs in the country without commission.

How to apply?

For those pensioners who have already familiarized themselves with all the offers and chosen the most optimal one, they need to know the procedure for transferring their pension to a newly issued card. It is like this:

1. Study all available offers and choose the best one. During this step, the pensioner must familiarize himself with all the cards presented above and decide on the choice in favor of one or the other, based on his personal needs and requirements.
2. Registration of the desired pension card. At this stage, you will either need to visit a branch of the selected bank, or submit an online application on the website of the relevant bank. financial organization. For registration you will need a pension certificate and a passport.
3. Visit the Pension Fund branch and submit the appropriate application. The final stage will be going to the Pension Fund and writing an application for pension transfer using new payment details. Next month, the pension will be credited to the new card.

It is important to say here that some banking organizations independently submit the necessary applications to the Pension Fund. In this case, the entire process of transferring a pension to another card will be limited to the first two steps.

Video on the topic

The Pension Fund transfers the pension to the personal savings book account based on the pensioner’s application. Receiving it through the Sberbank cash desk is much more convenient, as opposed to waiting in line for many hours at the post office. Therefore, many pensioners receive their pension not from the post office, but from a savings book. But time does not stand still, and new ones appear modern methods receiving a pension, namely, transferring the pension to a bank card account. To do this, you just need to exchange your savings book for a bank card or apply for and receive a Sberbank card at your place of residence.

It is difficult for older people to keep up with the dynamic rhythm of modern life and many retirees are skeptical about this proposal. But, read this article in full, and you will see how convenient it is to have a plastic card so that your pension is credited not to a savings book, but to a bank card.
How to transfer a pension from a savings book to a Sberbank card, and what documents are needed for this? Is there a commission (interest) for withdrawing a pension from a card at an ATM and how much does annual card servicing cost for pensioners? These and many other questions are discussed in detail in this article.

It is more convenient to receive a pension on a Sberbank card than on a savings book

It won’t surprise anyone that the accounting department transfers salaries to a bank card. Those who receive salaries, scholarships, and social benefits via a bank card have long appreciated the benefits of plastic cards. A bank card is always “at hand”, takes up very little space in your wallet, and most importantly, there are plenty of Sberbank ATMs in any city to get money anywhere and in any quantity, not to mention paying for goods in a store or pharmacy. Will you be able to buy medicine or pay for housing and communal services at an ATM with a passbook?
To withdraw money from your savings book account, you must first stand in line at the operator’s window, then in line at the cash register. You need to have with you not only a passbook, but also a passport. Moreover, you can only receive money in “your” branch, at your place of registration or, in as a last resort, in the central branch of Sberbank. There is nothing to say about shopping.

It's another matter when your pension is on a bank card account. Cash issuance from a card at Sberbank ATMs is carried out literally in a matter of minutes and completely without commission. There is also no commission for paying for purchases using a card in a store or pharmacy. By the way, if you use a card to pay for purchases in a store or pharmacy, then significant discounts are provided especially for pensioners.

The advantages of a bank card for receiving a pension are obvious. Moreover, Sberbank offers pensioners the most favorable conditions - free annual card maintenance, interest accrual on cash balances on the card account, etc.
Registration or exchange of a passbook for a Maestro “Social” bank card for pensioners is free of charge; no payment for subsequent annual maintenance is provided.

If you compare a savings book and a card, then it is the same as a mobile and landline phone. How quickly pensioners switched to mobile communications, and no one is surprised by a mobile phone in the hands of an elderly person. What prevents you from opening a card and receiving a pension on it? Nothing. Habit and reluctance to change something in your life often become the main reasons.

How to open a Sberbank card and receive a pension on it

The high level of Sberbank customer service appeared in last years allows you to receive a card for transferring your pension without the slightest delay. You just need to take your pension card, passbook and passport with you to the bank, fill out a standard application and receive a card in a few days, and sometimes on the same day. In many cases, you don’t even have to visit the Pension Fund to fill out an application to transfer your pension to your card account; the bank can do it yourself.
The most important thing is that you need to “reliably” remember the four digits of your PIN code and keep them secret so that no one can take advantage of your money.

Using the card is not at all difficult, but you need to follow a number of bank recommendations on how to use the card safely. How to use the card, pay utility bills, top up your phone balance, withdraw cash from an ATM, etc. on our website is described in detail in other articles.
It is very convenient to activate the Mobile Bank service at the time of card registration. However, for this you must have a number registered in your name mobile phone. Write it down, if you don’t remember, this number will need to be indicated in the contract.

The bank sends an SMS about the receipt of the pension on the card

One of the useful advantages of the Mobile Bank service is that for a very small amount per month (30 rubles) Sberbank will inform you about the status of your account. Every time a pension is received on your card, you will receive an SMS message on your mobile phone. You will no longer need to perform card balance queries at the ATM. The SMS message will indicate how much has been credited to the card account and the total balance of money available for withdrawal.
When you receive an SMS, do not rush to go to the bank that same day. The pension has been credited to your account, but you will be able to get cash from an ATM a little later. Wait until tomorrow and you can withdraw your pension from any Sberbank ATM.

Using the "Mobile Bank" service, the bank will immediately inform you about any movement of funds, be it receipt or withdrawal of money from the card, by sending SMS messages to your mobile phone. Don’t rush to refuse this service when drawing up an agreement to transfer your pension to a Sberbank card, think about it. Maybe a payment of 30 rubles. per month will not seem that much to you compared to paying for trips to the bank to find out whether the pension has arrived or not. "Mobile Banking" can be activated without a monthly payment, but the capabilities of the "Economy Package" are limited.
You can connect Mobile Banking at any time, as well as disable it.

Sberbank accrues interest to pensioners

Perhaps the only advantage of a savings book is that interest accrues on the amounts of money stored in the account. But if you open a Sberbank - Maestro "Social" card, specially designed for receiving a pension and various social benefits, then the advantage of the savings book and the card will be equal.

Interest is accrued on the funds available on the Social card account issued to pensioners to receive pensions, as well as on the personal savings book account. In addition, the bank offers pensioners to open a deposit account on the most favorable terms compared to other categories of depositors. Choose the deposit that suits you and your savings will be preserved and constantly increase.

What other advantages bank cards have for pensioners are described in detail in the articles: Exchange of a savings book for a bank card and “Sberbank savings book or plastic card?” . I just want to add one more aspect.
Each of us has parents and children and sometimes we have to help them financially. If you have bank card, then it will be much easier for children living far from you to send you a transfer from their card. You can transfer money from card to card even using your mobile phone without visiting the bank. However, you can also make such a transfer if the Mobile Bank service is connected to your card.

How to pay utility bills with a card

If using a computer and paying utility bills through the Sberbank@online service connected to the card is not available to every pensioner, then paying utility bills through an ATM or terminal with a bank card is quite possible. To do this, just insert the card correctly into the ATM, enter the PIN code and go to the “Payment of utility bills” section. Select the appropriate payment, indicate the details of your receipt (number, amount, date) and press the "Pay" button. The ATM will give you a receipt confirming that the payment was successful. Such a check, despite the fact that it does not have a stamp, is an official document of the payment made; keep it for at least 6 months.

Almost any payments, including taxes, can be paid using a bank card through an ATM, not to mention the banal replenishment of the balance of your mobile phone.
Paying for utilities at an ATM with a card is not only convenient, but also profitable, since the commission is significantly lower than when paying at a bank cash desk.
For those who are paying utility bills for the first time with a Sberbank card through an ATM or terminal, there are polite and friendly consultants in the hall. They will help you in detail and competently perform any operation from the card.

Pension on a Sberbank card and Sberbank online service

How much time have older people spent in their lives waiting in queues? Is it really possible for pensioners to continue to stand in queues for hours every month to pay for electricity or telephone, for fear of not paying on time? Is it really impossible to completely relieve them of this responsibility? Of course, you can if you use all the advantages of a payment card.

Just imagine the joy of older people if they no longer have to stand in line to pay for utilities or a radio point. Of course, opening a plastic card and receiving a pension on it is not at all difficult, but only “advanced” pensioners can use the services of the Sberbank online banking system. But you can connect this service to a bank card when applying for a pension on the card, and ask your children to make this kind of payments once a month, saving yourself the effort and time of visiting the post office or bank.

Having the opportunity to manage your pension using the Sberbank@online service, you can pay for housing and communal services, make transfers to other cards, or top up your grandson’s phone balance. It's always nice to give gifts to your loved ones. Apply for a pension on a Sberbank card, connect Mobile Banking and use the convenient and reliable services of modern plastic bank cards.

Pay attention to the publication date of the article, possibly this moment Some information is out of date or has changed.
Publication date: 10/05/2013

When withdrawing cash from an ATM, be careful when entering the PIN code numbers. If you enter the card PIN code incorrectly three times in a row, the card account will be automatically blocked by the bank.

You can transfer your pension to any Sberbank card, not only to the Maestro “Social” card. Only this card is issued to pensioners free of charge. Other cards already provide for paid annual maintenance.

Transferring money from a card account intended for receiving a pension is very simple. To do this, at the ATM, in the "Transfers" section, you need to indicate the recipient's card number, enter the transfer amount on the keyboard and press the "Pay" button.

It is enough to open a Sberbank card to receive a pension, and you will be able to pay for goods in stores, pharmacies, housing and communal services, etc. Maestro "Social" is not intended for paying for purchases in online stores. There are a number of other cards for this purpose, for example "Visa Electron".

A debit card differs from a credit card in that the debit card account holds your money. You can receive a pension, scholarship, various social benefits or salary on a debit card.

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 need to do is visit the office and get a coupon to receive 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 personal account service, 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 “ ” service, you will need to pay for this service at your own expense. 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 of submission to 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, the social card is. Pension funds are credited to it. Accordingly, this card will be replenished monthly from pension payments.

In this case, the client has ample opportunities on the use of 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, then interest rate is elevated. 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. Just on salary cards wages are calculated 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.