Spectrum extension banking services- an integral part of the successful activity of any financial organization. One of the successful and unusual projects of 2016 can be called the Sberbank program Active age. The uniqueness of this program lies in the involvement of people over 50 years of age with an active lifestyle in the formation and development banking products. A kind of club for this group of people can be an interesting way of interactive surveys that will help understand the point of view of consumers on various innovations and services in banking sector. This will undoubtedly help in the development and release of the most popular banking products. It should not be forgotten that older people have excellent useful skills. These include the ability to calculate expenses and plan wisely family budget, save and accumulate, take into account all the nuances. That is, the bank turned to consumers who have good experience handling money, and received in response a huge amount of material for analysis.
What is the new Sberbank Active Age 50+ club? This is a club for people of the appropriate age who are ready to actively discuss new products and offers from a banking institution. Every week (on Mondays) the bank opens a discussion of new topics and proposals. Club members can express their opinions, write comments, and participate in voting. Subsequently, the data is analyzed, which helps in the future activities of the bank.
Naturally, the implemented project should not just be interesting for a certain category of people. Motivation is one of the principles of the program. The reward system for the most active participants includes both small prizes and significant gifts to the winners.
The most proactive participants are awarded weekly small incentive gifts:
- Six-month subscription to the SmartReading library;
- Special device “Button 24”;
- Free consultation from the company "DOC+" (call a doctor).
Modern pensioners lead active image life and strive to share their experience and knowledge The prize fund is:
- Prize for 1st place: certificate for a vacation in any hotel in the amount of 60 thousand rubles. (including air travel and room accommodation).
- For 2nd place: a weekend at the country club of a banking institution with accommodation in a suite, free three meals a day and unlimited access to the sports center;
- Prize for 3rd place: certificate for 10 thousand rubles. for purchase in the online store.
As you can see, participation in the activities of the Sberbank Active Age club is not just an opportunity to express your opinion and position on the banking products offered, but also pleasant communication in your age group and the opportunity to receive pleasant surprises from the club organizers. Registration is carried out on the bank's website. To join the club, just indicate your full name, email and fill out the form. After this, you can actively participate in the discussion of the proposed topics.
Insurance for club members
Among the new opportunities that the program provides is the issuance of a pension payment card. To replace the map Sberbank MasterCard Active age has arrived pension card WORLD. Active members of the new club will be offered discounts when purchasing the following types of insurance policies:
- Protection of loved ones is a plus. This program insurance allows you to issue a policy for children, grandchildren, parents and spouses against possible health risks: injuries, burns, frostbite, fractures, etc. In the event of insured event payment is made according to the agreement monetary compensation, which will help restore the health of people close to you. To receive a 15% discount when registering, simply indicate the promotional code issued when you issued your pension card.
- Travel insurance program. There are several types of policies for outdoor enthusiasts in Russia and abroad. During holidays and business trips abroad, an insurance policy will be a reliable assistant. He will help in case of any complications: illness, loss of luggage, injuries of various types, the need to obtain legal and medical care. Even in the event of a sudden trip cancellation or premature return, a policy with adequate coverage will help you. Any Sberbank card holder can save 10% when taking out a policy Pension WORLD after providing the promotional code.
- Real estate insurance. A variety of insurance options will help protect your home from various problems and unforeseen situations. The policy coverage may extend to both the property itself and movable property and civil liability. 30% discount on policy is a great way to save money own funds for those who became members of the club.
Active age 50+ club members are provided with special conditions under insurance programs Pension card MIR
For people of retirement age there is special development Sberbank — Pension card WORLD.
Receiving a pension using this card involves:
- Interest accrual on the balance: 3.5% per annum on unused funds stored on the card;
- Service: free;
- Benefits of the bonus program Thank you.
Holders of such cards are given the opportunity to open an additional card, use the services of Autopayment, Internet banking and Mobile banking.
Open a MIR pension card at Sberbank under the Active Age 50+ program Deposits under the program
The line of offers for pensioners includes interesting investment options cash.
- Deposit Save and Save online (the latter is issued only in online mode): assumes a profit of 4.2% and 4.95%, respectively, and can be issued for a period of 1 month.
- Deposit Top up and Top up online: with interest rates of 3.85% and 4.1%, respectively, is opened for a period of 3 months.
When registering deposits for pensioners, the following applies: preferential terms— the interest rate is set at maximum size for a specific period, regardless of the amount of investment.
Conclusion
The bank’s proposals for pensioners are not just about attracting people over 50 with an active lifestyle to the discussion various topics and questions. This additional features, which open up to people of this age category. It is no secret that many banks do not consider pensioners as promising clients, and it is completely in vain. After all, older people can teach young people the right attitude towards finances. The bank’s strategy is innovative: it “breaks” stereotypes, and is ready to listen to those whose life experience helped them in the most difficult times. They may not know the terminology, but the experience of "hands-on saving" can be invaluable. That is why opening a club for energetic seniors is becoming a promising solution.
Sberbank uses knowledge of the age preferences of clients as the basis for targeted banking products. This is a program that can be used by applicants of retirement age.
For many of them, the time to retire is new stage vital activity, the possibility of fruitful work for the benefit of the family, travel, new communication, helping relatives.
Understanding the needs of the older generation, the bank issued debit cards social cards, guaranteeing the participation of holders in the Sberbank project “Active Age”. Let's consider its features and advantages, as well as new proposals prepared by the bank in recent years.
Features of the “Active Age” card
Sberbank’s program to support like-minded people who have reached the age of “50+” started in 2016. It is based on the “Active Age” card of Sberbank: Maestro or MasterCard.
Designed to motivate consumers with an active lifestyle and attract new clients, thanks to:
- weekly incentives that include a six-month online subscription to books on self-development and a healthy lifestyle;
- the possibility of receiving free medical consultation and calling emergency medical assistance;
- regular draws with attractive prize pools. This could be a cash certificate for a vacation in an expensive hotel with air travel, a paid weekend with three meals a day at a Sberbank country club, or a certificate for purchases in online stores;
- insurance protection for project participants and their relatives under life and property insurance programs, civil liability to third parties. There is interest in insurance for travel within the country and abroad, which provides medical and legal support the insured person.
An integral part of the project is a deposit program that provides for opening deposits in rubles with attractive interest rates:
- standard deposits “Save” and “Save online”, without replenishment and partial withdrawal. Interest rates - 5% when registering in a bank office, 5.5% when opening online;
- deposits with replenishment “Replenish” and “Replenish online”. They allow you to accumulate deposits - 4.5% and 5.0%, respectively.
IN general case, Sberbank deposit rates are differentiated depending on the deposit amount. But the Sberbank “Active Pensioner” card will allow you to receive interest at the maximum amount.
Features of the Maestro pension card
The Maestro Sberbank pension card is a type of debit carrier of the international payment system MasterCard. This bank card entry-level, simple and easy to use, designed to attract older customers.
The purpose of the medium is to enroll pension and social benefits and allows you to receive money on the day it is received. The client does not have to stand in line at the post office or wait for the postman at home, postponing all matters.
Features of the Maestro Sberbank pension card:
- issued for circulation for 5 years and protected by an electronic chip;
- account and card currency - Russian rubles;
- provides free annual service and reissue on time;
- involves opening additional card media;
- provides the opportunity to participate in Sberbank’s “Thank You” incentive program;
- In case of theft or loss of plastic or PIN code, the cost of early reissue is 30 rubles.
You can use your card to pay for purchases in retail outlets, transfer payment utilities, top up your mobile device account, transfer money to another card carrier. If you need cash, you can withdraw money from ATMs of Sberbank and its subsidiaries.
You can top up your card with any in a convenient way: cash, through an ATM or through a bank operations officer. Non-cash replenishment is made through the Sberbank-online system, the “mobile Sberbank” application. The amount that can be deposited into the account should not exceed 10 million rubles/month.
New opportunities open up for the holder banking services. You can connect an auto-payment service, with the help of which funds will be debited at a specified frequency to pay for housing and communal services, communications and other regular payments. Regular transfers can be done in the same way; for example, grandchildren studying far from home.
By paying with a card, you can receive bonuses on purchases, up to 12% of the cost from the MasterCard system, as well as up to 10% from Sberbank partners. Bonus program is focused on the age of customers, which guarantees discounts in chains of food supermarkets, stores selling household goods, and gas stations.
The medium allows you to increase your savings. Let us explain what interest rates you can get with the Sberbank Maestro card. For the balance of money received from the Pension Fund or social services, the bank accrues income in the amount of 3.5% per annum of the amount every three months. In this case, money transfers from other counterparties are not taken into account.
Account and card management is carried out using the Sberbank Online system, " Mobile Sberbank" Current information on remaining funds can be obtained from Sberbank ATMs. A monthly card report can be ordered from a bank employee or through Sberbank Online.
When carrying out transactions, SMS notification is provided; the first 2 months of using the message carrier are free, in subsequent periods monthly payment- 30 rub.
Restrictions
Since the media is entry-level, it has certain limitations. First of all, there is no CVC2 code on the back, which does not allow it to be used to pay for online purchases. But this does not make the card less convenient, because older people rarely use such services.
The medium is intended for enrolling only social revenues. If the holder continues to work, transfer wages You can’t use it on a pension card.
Cash withdrawal limit
You can withdraw cash from ATMs and operating cash desks Sberbank, territorial branches, subsidiaries or other banking institutions. The daily limit on the amount is 50 thousand rubles, the monthly limit is 500 thousand rubles.
If there is no excess, no cash withdrawal commission is paid. If the limit is exceeded, the commission payment is 0.5% of the amount for Sberbank structures; in other banks - 1%, minimum 150 rubles.
Does it work abroad?
The card has no restrictions on use in Russia. In a number of neighboring countries - Ukraine, Belarus, Kazakhstan, as well as Turkey and Switzerland, you can use it to withdraw cash. To carry out payment transactions in other countries, it is recommended to issue media of higher levels.
MasterCard card
The MasterCard “Active Age” card belongs to the Standard class, which means corresponding opportunities and privileges. Opens in Russian rubles.
The presence of the owner's surname and name on the front side of the plastic allows you to use the card for payments outside of Russia: the medium is accepted without restrictions for payment in retail chains and hotels. If the card is lost, the holder will be able to withdraw cash abroad using their passport.
Unlike Maestro, MasterCard has full functionality for online payments. When the card is embossed, a CVC2 code is applied, which must be specified to make a purchase.
The card is issued with the possibility contactless payment, about which the holder is notified by a special pictogram on the front side of the card. For purchases costing no more than 1000 rubles, this is convenient - the card is presented to the reader and the transaction receives the “approved” status. For more expensive purchases, a PIN code is entered.
Maestro and MasterCard - what are the main differences?
To establish the differences between existing pension cards, we will draw up a comparative table:
| Indicator | Maestro | MasterCard |
|---|---|---|
| 1. Terms of registration | ||
| holder age | From 18 years old | For women - from 54; for men - from 59 |
| Russian citizenship | Open to Russian citizens, foreigners and stateless persons | |
| registration | permanent or temporary registration at the place of residence | |
| Package of documents | Application, personal passport, document confirming receipt of pension | |
| 2.Features of cards | ||
| Ministry of Railways | MasterCard | |
| Deadline | 5 years | |
| Currency | Russian rubles | |
| Use for payments abroad | No | Yes |
| Annual maintenance, issue, re-issuance of cards according to the term | For free | |
| Cost of early issue due to loss of card, PIN code, phone | 30 rub. | |
| Additional media | Are opening | |
| 3. Terms of use | ||
| Types of income | Pensions, social benefits, transfers of counterparties | |
| Types of operations | payment in a domestic retail chain, cash withdrawal | payment without restrictions in Russia and abroad, online payments, cashing out |
| Payment methods | Contact, non-cash | Contact, contactless, cashless |
| Cash withdrawal limits | 50 thousand rubles/day; 500 thousand rubles/month | |
| Fee for exceeding the limit | 0.5% when withdrawing through Sberbank; 1% - in other banks, 150 rubles. - minimal. | |
| Promotions | Interest on account balance; “Thank you from Sberbank”; discounts from MS | |
| 4. Management and control | “Mobile Sberbank”, “Sberbank online”, SMS notification | |
The information presented shows that the conditions for issuing a Sberbank “Active Age” card are quite loyal and similar in use. The main differences are in the opportunities provided to the client.
Savings card
Recipients of pension payments have access to a Sberbank savings card. This is a debit card on which interest is accumulated on the amount remaining in the account. Savings card opens to pensioners by age, length of service, as well as recipients of other types of social assistance: disabled people, children who have lost their breadwinner. Since the retirement account is already open, you only need to submit an application to participate.
How much interest is charged?
The Sberbank savings card guarantees receipt of interest payment on the account balance. When determining the minimum amount, only receipts from Pension Fund and organizations social insurance. Other money transfers and deposits are not taken into account. Income is credited once every three months, the interest rate is 3.50%.
Interest on non-withdrawn amount
We will show you how income is calculated. For example, on March 4, a pension amount of 25 thousand rubles was credited to the account. On the same day, 5 thousand rubles were withdrawn in cash; On March 14, goods worth 10 thousand rubles were paid for. In April, on the 4th, the next pension was credited in the amount of 25 thousand, of which 6 thousand were cashed out on the same day; On the 20th the transfer of 8 thousand was transferred.
In May, the pension was credited on time, from which 15 thousand rubles were received in cash. Let's calculate the interest on the balance as of June 1st.
| Date | Operation, rub. | Balance, rub. | Days | Income per card, rub. | |
|---|---|---|---|---|---|
| enrollment | consumption | ||||
| March 04 | 25 000 | 5 000 | 20 000 | from 05.03 to 13.03; for 9 days | 20000 x 3.5% / 365 days. x 9 days = 17.26 |
| March 14 | 14 000 | 6 000 | from 15.03 to 03.04; in 20 days | 6000 x 3.5% /365 x 20 = 11.51 | |
| April 04 | 25 000 | 6 000 | 25 000 | from 05.04 to 19.04; for 15 days | 35,96 |
| April 20 | 8 000 | 17 000 | from 21.04 to 03.05; for 13 days | 21,19 | |
| May 04 | 25 000 | 15 000 | 27 000 | from 05.05 to 31.05; for 27 days | 69,90 |
| Total | 75 000 | 48 000 | X | X | 155,82 |
As can be seen from the example, the amount of income is small, but it will allow you to make small payments: top up your mobile phone account, cover the costs of SMS notifications.
Reissue and transition to the MIR card
Since the issue of Maestro and MasterCard “Active Age” has been completed, holders are offered the MIR pension card, which also actively participates in the program for supporting and motivating the older generation. Plastic media has been issued since the summer of 2017; It is based on the domestic payment system MIR.
The card is opened in domestic currency for a period of 5 years. It has a pleasant external design: yellow-green birch branches, against which there are two birds taking off. You can register the media at a Sberbank branch or at a local Pension Fund branch.
The bank's requirements for opening an account and card are fair: availability of grounds for receiving a pension or social security. payments, reaching the 18th birthday, permanent or temporary registration. The nationality of the holder does not matter.
The medium is used for payments in Russia for purchased goods and services, in online payments with domestic sellers, as well as for money transfers, cash withdrawals through ATMs and bank cash desks. Traditional methods of paying for purchases are complemented by the possibility of contactless payment. For the unused balance, an accrual is made interest income, at the rate of 3.5% per year.
Customer service is provided at a reduced rate. There is no annual commission, no fee for the next issue of plastic media, no payments for SMS information in the first two months of use. If you have lost your card or PIN, it will be reissued at the minimum rate.
Cash withdrawals provide for a daily limit of 50 thousand rubles, as well as a monthly limit of no more than 500 thousand rubles. For exceeding the penalty fee will be:
- 0.5% when withdrawing from ATMs and bank cash desks;
- from 1.0 to 1.5% in others banking structures; minimum - 100 rub.
Account status and payments are monitored online and mobile applications introduced by the bank. Additional media for the MIR pension card are not opened.
As Maestro and MasterCard social expire, the transition to the MIR card occurs automatically. Sberbank notifies the holder in advance with two SMS: about the proposed replacement, about the readiness of the carrier. At a convenient time, the client goes to a bank branch, returns the expired plastic carrier and receives a new one. However, the bank account number does not change, additional documents not required.
Review analysis
As a rule, people of retirement age use the card only for actual payments and cash withdrawals, so there are no particular difficulties with using existing media. Clients are attracted minimum commissions or their absence, the quality and availability of service by bank employees is highly appreciated.
And at the same time, the practice of opening to pensioners raises criticism. credit cards without prior agreement with the potential recipient. Lack of awareness and lack of skills in using a credit card lead to the accumulation of debt.
Negative reviews are also caused by the involvement of pensioners in non-state pension insurance.
Conclusion
Sberbank cards for active pensioners are adapted to the needs of older people. Inexpensive and comfortable to maintain, easy to use. Bank cards are designed to increase the material security of pensioners. But at the same time, they also solve related problems: they encourage an active lifestyle, increase financial literacy. You can find out more about pension cards at your nearest bank branch.
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. For delivery to remote locations populated areas It 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.
What is the Mir payment system?
"Mir" is a Russian national payment system that meets international security standards. The Mir card is accepted wherever there are retail and service points and ATMs with the Mir logo.
Why is my Maestro card being changed to a Mir card?
Your current Maestro pension card is about to expire. When reissued, all Maestro pension cards are replaced with MIR Pension Cards (in accordance with Federal Law-161 “On the National Payment System”). The terms and conditions for the product remain the same, additional services (mobile banking, auto payments) remain the same.
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 at personal account Sberbank Online 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.
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.
04.07.18 Plastic cards Sberbank savings book MasterCard bank cardAttention! Sberbank informs its clients that from May 01, 2017 new issue of Maestro bank cards pension "Active age" (Debit cards Sberbank-Maestro "Social") of the MasterCard payment system stops.
On November 3, 2016, Sberbank began issuing Russian national map payment system"MIR" - MIR Pension.
You can read the material about the MIR Pension Card of Sberbank
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 MasterCard Maestro will it give to pensioners? What is Maestro card Sberbank and what are its advantages?
Social card MasterCard Maestro 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.
- Have Russian citizenship and permanent registration in the region where the card is issued;
- They have Russian citizenship but do not 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? Total term issuance of Sberbank cards should not exceed 10 business 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 maximum term issuance of Sberbank-Maestro cards - 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 last day month (inclusive) indicated on the Card.Along with the map Maestro-Social a sealed envelope with personal information is issued identification number(PIN code), 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 reissue it, but provided that the client does not notify the Bank 60 calendar days before the expiration of the Card about 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 on new term actions.
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 get such a card for financial support to your 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, earlier issuance additional card was produced:
- 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;
- the total limit on performing any transactions on the Card(s) during the 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:- Receive cash from your account through a cash desk, at ATMs and cash dispensers of Sberbank of Russia throughout Russia.
- Receive cash from ATMs of subsidiary banks of Sberbank of Russia OJSC abroad (in Kazakhstan, Belarus, Ukraine, Turkey, Switzerland...)
- Carry out automatic payments for payments cellular communications, housing and communal services and other services by filling out an application for this.
- 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.
- Make payments for goods and services at all retail and service points in Russia designated by the Maestro trademark.
- Implement.
- Make payments for goods and services online.
- Make payments and transfers using systems " Mobile bank" and "Sberbank Online".
- Top up your card in cash or by non-cash method (transfer to card).
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. can't work like salary card if the pensioner works.
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 the expiration of 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. | Issuance of cash currency Russian Federation 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 on paper in branches and internal structural divisions Jar | 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. per 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 sales and service points for each region of Russia is determined 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:- Sberbank OnL@yn ( automated system account service via the Internet)
- Mobile bank (work through mobile phone: receiving SMS notifications about card transactions, about the limit of available funds, about the last five card transactions, transfer funds from card to card via SMS...);
- Automatic payment (automatic replenishment of the phone balance from the pension card account based on the client’s instructions).
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 tariff plan.
So, calculating the cost-effectiveness of a social card according to conventional example looks like this:
In our example, expenses exceeded income by 245.00 rubles. But if you don’t get an additional card, don’t request additional reports on the movement of funds on the card too often, and don’t 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. “Missing” of funds from the account can occur in the event of loss electronic means 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.Came into force on January 1, 2014 Federal law Russian Federation dated June 27, 2011 N 161-FZ, 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 provided for by the contract form immediately after discovering the fact of the loss of an electronic means of payment and (or) its use without the client’s consent, but no later than the day following the day of receipt of notification of the transaction from the money transfer operator. (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. | Possibility of independently making payments and transfers through terminals | 3. | Inaccessibility to use the map in rural areas, where there is no appropriate technical base and remote channels communications. |
| 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 don’t 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.
Sberbank offers favorable conditions in its services for all categories of citizens, and it is not surprising, because the bank is one of the leading financial organizations in the country.
There is also a special approach to pensioners. For example, a bank proposal recently came out - deposit “Active pensioner”. Additionally, to involve people of retirement age in dialogue with bank managers and track customer opinions on bank services, the sberbankaktivno.ru service was created
What Sberbank deposits can be opened on Active Ru
The above-mentioned website sberbankaktivno.ru was developed by Sberbank technical specialists directly for pensioners. A marketer at a financial institution focuses its offers on older people who lead an active lifestyle and show interest in the bank’s new offers. 
What interesting ideas and proposals have been implemented on the Active Ru website?
The main context in this project on the Active ru website is the formation of a specialized communication environment based on social networks, where any pensioner, and not just a Sberbank client, can find information that will be interesting to him, encourage him to lead an active and healthy lifestyle, and allow him to communicate with other people of his age group and interests.
The website also provides information about all current Sberbank promotions, ongoing drawings, and the nearest points where you can profitably spend your accumulated points. Thank you from Sberbank. You can also open a deposit profitably.
Profitable deposits for pensioners on Aktvno ru
As we described above, in addition to the general specification electronic resource, this site allows active retirees to discover profitable investment. For this purpose it is carried out special program"Active age".
What interest rates on “Active Age” deposits from Sberbank will be offered to clients of retirement age:
Card "Active age"
It's time to talk about additional services for clients - pensioners.
After the start, several measures were taken to increase the number of clients and Sberbank, accordingly, issued the Mir banking Pension Card as part of the “Active Age” program. 
- The owner of the World Pension Card from Sberbank does not need to receive interest on the account balance within the framework of the above program. All these opportunities open up when you apply for a pension card.
- There is no fee for servicing a plastic bank card.
- The pension will be transferred to the card account instantly, after receipt from social services.
- For each purchase using the Mir card to the client.
The main advantage of the Sberbank “Mir” Pension Card is the crediting of 3.5 percent per annum to the account balance.
In addition, in addition to all the advantages described, the card itself is an excellent reliable means of payment. You do not have to stand in line to withdraw cash; payment for goods or services is carried out instantly through. Also, your entire pension will be transferred to your bank pension card instantly upon receipt from the Pension Fund.
Apply for a Pension bank card Peace is possible in any branch of the MFC, by contacting the Pension Fund or at the Sberbank office.
I like 200 I don't like 135
I love learning everything new, interesting and unusual. And also - wrap yourself in a warm blanket, grab some hot cocoa and tell you about new products financial market, hot stories from the offices of bank consultants and other interesting things.
Similar materials
Carrying out an inventory
Ulyukaev, Navka and Patrushev
Income tax refund for treatment: registration procedure and calculation of the deduction amount
Import substitution - what is it?
OSAGO minimum insurance period