Sberbank social card for pensioners: advantages and disadvantages, rules for registration and use. Sberbank social card for pensioners Sberbank pension bank card interest

Sberbank Maestro (Maestro) “Social” card is a card for pensioners receiving pension accruals to the account: interest and limits, see below.

It is intended not only for receiving pension payments. She is a hybrid debit card And savings book with interest accrued on the account balance. Sberbank pension card Maestro (Maestro) “Social” is becoming increasingly popular in Russia. Bank analysts attribute the increase in the number of cards to the natural increase in the number of pensioners, many of whom recent years received work wages to bank cards and understood the convenience of their use.

Social card Sberbank for pensioners Maestro (Maestro) has a number of advantages, including:

• Free maintenance for the entire duration of the card (three years).
• Possibility of making cashless payments in stores, as well as discounts from partners.
• Connection to bonus program“Thank you from Sberbank” and the Sberbank-Online service.
• Possibility of replenishing the card balance through Sberbank terminals and branches. In this case, replenishment can be carried out not only by the card holder, but also by his family and friends.
• Possibility to withdraw cash throughout Russia without commission.
• Deposits and loans at preferential rates.

Sberbank social card for pensioners: interest

Many people want to know what percentage is accrued on the Sberbank Maestro pension card (Maestro). We answer: 3.5 percent per annum on the balance on the card. BUT! Interest is not accrued every month, but after every three-month period from the date of opening the card account!

They also ask about what are provided interest on cash withdrawals from a Sberbank social card. Here the situation is more complicated:

— Through ATMs serviced by Sberbank of Russia, cash in rubles is issued free of charge without commission.

— Through the cash desk at branches of Sberbank of Russia in the amount of up to 150,000 rubles. inclusive per day - free of charge, and for amounts over 150,000 rubles. per day 0.5% of the amount exceeding RUB 150,000 is charged.

— Other financial institutions may take 1% of the amount, but not less than 150 rubles. (Excluding commission charged financial institution for issuing cash by card).

We must also remember that the limit on cash withdrawal from a card through an ATM is no more than 150,000 rubles. per day.

How to apply for a Sberbank Maestro pension card (Maestro)

To obtain a Sberbank social card for pensioners:

1. Contact the Sberbank office.
2. Provide a passport of a citizen of the Russian Federation and a document confirming receipt of a pension.
3. Fill out and sign the application form to receive a card.
4. Get a card.

The information is not a public offer. Find out more on the official website or at Sberbank branches.

A lot has been written about the Sberbank Maestro card on the Internet. For example, that it is unnamed, that it does not have a security code, etc. Is this really true? What are the advantages and disadvantages of Maestro cards, is it worth using them and which banks issue them? We'll talk about all this below.

What is the Maestro card, its features

Maestro - debit card product MPS MasterCard. This is Sberbank's entry-level Maestro card, which is one of the most affordable and popular among clients. All transactions for such plastic in mandatory undergo electronic authorization with the issuing bank to confirm that there are sufficient funds in the card account. Owners of the Maestro card of Sberbank of Russia can perform almost the same operations as holders of cards older than high level: pay for utilities and purchases, withdraw cash, make transfers, etc.

Maestro are available with a chip and a magnetic stripe or with only a magnetic stripe. They are named and unnamed. The data on Maestro (name, number, expiration date) is most often not raised (that is, not embossed), but simply printed.

Such cards are accepted at retail outlets where the Maestro sign is present (both in the Russian Federation and abroad). Although in fact, if an establishment accepts MasterCard cards, then, as a rule, it also accepts Maestro. Previously, entry-level cards did not have a CVV2/CVC2 code, which made it difficult to pay for online purchases using them. However, now many banks (including Sberbank) issue Maestro with a security code.

Advantages of Maestro cards

• Cheap service is a key advantage of the card. Typically, its maintenance costs a maximum of 300 rubles per year, and in some banks you can use it completely free of charge.
• Receipt speed. This plus will only be available upon receipt of an unnamed Maestro, since she will be issued immediately. When ordering a card with a printed first and last name, you will have to wait n number of days, like all other card products.
• Discounts and privileges from MasterCard are available;
• Wide functionality;
• Additional cards can be issued.

Disadvantages of Maestro cards

• When used abroad:

In most countries, payment with a Maestro card is successful. But sometimes difficulties can still arise. In some places (for example, in Chile) there are points where only embossed cards are accepted, because they use an imprinter (a machine on which the card is imprinted). Naturally, in this case, a non-embossed Maestro (even if it is registered) will not be able to pay. If the card is not named, this may cause increased suspicion among cashiers at retail outlets. Be prepared to be asked to show identification. Theoretically, problems may arise when renting a car or paying for hotels.

As already mentioned, the Maestro card is accepted only in stores marked with the Maestro brand, that is, if there is a corresponding sticker on the door point of sale no, then service may be refused. As a rule, the service is not available for such plastic emergency issuance cash. This means that if the card is lost or has a technical malfunction abroad, you will not be able to quickly receive money.

If you plan to withdraw cash in other countries, it is better to have another card with a higher status. More often than not, you won’t be able to withdraw money from entry-level cards (especially non-name ones) from other people’s ATMs. For example, let's take Sberbank: for Maestro Momentum cards (i.e., non-personal), the issuance of money in other banks is not provided at all. And according to Maestro Social and Pension, it is allowed to receive money from ATMs of Sberbank’s subsidiary banks both in Russia and abroad.

• When shopping online: the downside is that there are still stores that do not accept Maestro. Fortunately, there are fewer and fewer of them.
• Low transaction limits: monthly and daily limit Cash advances are usually much lower than higher tier cards.

How Maestro differs from Visa Electron

Maestro is a product of the MasterCard IPS, and Electron is a product of the Visa payment system. Both cards can only be used in electronic terminals that operate online. In Russian realities, they are practically no different in functionality.

It is believed that Visa is more widespread and its cards, unlike MasterCard cards, are accepted everywhere. In fact, now both MPS are developed approximately equally. Although, when traveling abroad, it is still recommended to take at least 2 cards of different payment systems with you.

Today Sberbank issues a MIR debit card for pensioners. Let's consider the pros and cons, conditions and interest on the balance pension card Sber.

Why is Sberbank issuing MIR cards today?

Just a few years ago, Sberbank issued plastic cards from Western payment systems for pensioners. But today Russia is under sanctions. And, in principle, systems such as Visa or MasterCard may stop servicing Sberbank cards at any time. Then millions of Russian pensioners, who are accustomed to receiving their pensions on a card, would face serious difficulties.

In order to prevent our Western partners from one day blocking the receipt of money by Russian citizens, it was decided to transfer pensioners and state employees to cards of our MIR payment system.

It should be immediately noted that privately, both pensioners and public sector employees can today apply for both MasterCard and Visa debit cards at Sberbank. They can be Classic, Gold or Premium. But such a product as the “Sberbank Pension Card” is today issued only with the MIR payment system. We have already explained why. Now let's look at the features of the proposal.

See also the terms of Sberbank deposits for pensioners -

Sberbank MIR Pension card: tariffs in 2020

In this review, correspondents from 7Ideas magazine will look at the tariffs for using this product and the features of the MIR payment system.

What is the MIR Card of Sberbank “Pension”

The Sberbank MIR pension card is intended for receiving pensions and other social benefits. Its main convenience is that the client can not only receive a pension on the card, but then withdraw cash from an ATM or pay with it in stores. The main thing is that the card works like a savings account: interest is constantly “dripping” on the money lying there.

It is also important that the Sberbank MIR Pension Card has free service.

Another nice feature is the opportunity to receive Thank You Bonuses from Sberbank for purchases with the card.

In addition, using the card it is convenient to transfer money to family and friends.

Maintenance cost

Accrual of bonuses THANK YOU

Cash withdrawal fee

You can withdraw up to 500,000 rubles per month. no commission at ATMs and Sberbank cash desks.

Cost of other services

Planned re-release	for free
Re-issue in case of loss or change of personal data
Checking balances at ATMs of other banks	15 rub. per request
Receiving a statement from a bank ATM (last 10 transactions)	for free
Receive a card report by e-mail or at the bank	for free
SMS notifications, full package
SMS notifications, package without SMS about transactions	for free
Custom design	Not provided

See also how to open the most profitable investment in the bank

Features of the MIR payment system

Contactless payments using a Pension card from Sberbank

It should be noted that the Sberbank Pension Card is a completely modern product and provides the opportunity contactless payment in stores. Some people think it's dangerous, but in fact it's the opposite.

The card 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 is much safer, since no one can see the card details. Besides, contactless technology protects against double debits - after paying for the purchase, the terminal beeps and turns off automatically.

How to get a MIR Pension Card from Sberbank

There are several ways to do this.

1. Firstly, you can contact the nearest Sberbank branch and ask to issue a card.

2. Secondly, you can submit an online application for a card. This can be done on the official website of Sberbank. After 3 business days, the finished card will be available to pick up at a bank branch.

IMPORTANT: when you go to the bank to pick up your card, take your passport and SNILS with you! To receive a card for another person, you need a notarized power of attorney.

Who can get a Sberbank MIR pension card?

The card is intended only for clients entitled to receive social benefits paid by the pension authority. A client may have no more than one valid card.

Sberbank regularly works to increase the number of clients using social bank cards. The fact is that this will significantly reduce queues at savings banks, and will also simplify the process of servicing citizens receiving pensions. What the Maestro social card from Sberbank is, as well as what advantages and disadvantages it has, you will learn from this article.

Conditions for obtaining a pension card from Sberbank

The Maestro social card, issued by Sberbank, is intended primarily for those citizens who receive old-age pensions or other social benefits from the state. The main requirement for obtaining the presented banking product is the presence of a pension certificate. In addition, in order to receive this plastic, a citizen must meet certain criteria established by the banking organization. Among these criteria are the following:

1. The recipient must be at least 14 years old.
2. It is necessary to have the right to receive social benefits. As proof, you must provide a pension certificate.
3. The recipient must be a citizen of Russia and have a Russian passport.
4. Registration in the region of registration is required.

Maestro and Mastercard are the same thing, you should remember this.

How does the registration take place? pension card in Sberbank

If you meet all the above criteria, you can apply for a Maestro pension from Sberbank. To do this, you need to submit a corresponding application. Submit this statement can be done in two ways:

Online application

Registration process:

1. Go to the website sberbank.ru.
2. Select the "Maps" section.
3. Next, go to the “Debit” tab.
4. After this, a page will open on which all the bank’s offers will be displayed. Among them, select “Pension” and click the “Order” button.
5. Then you need to fill out an application for registration, it indicates the following parameters: personal data, scans of documents (passport and pension certificate), receiving address.
6. Once you have filled out all the required information, submit your application for review.

The Sberbank Maestro card is issued only on the official website of the financial institution.

To a bank branch

If you do not have access to the Internet, or for some reason you cannot submit an application on your own, then the most convenient application option for you is to visit a Sberbank branch. Don't forget yet.

Registration process:

1. Go to the nearest branch of the represented organization (don’t forget to take your passport and pension card with you).
2. Ask a bank employee to issue a pension card for you.
3. Present necessary documents.
4. Fill out the application and submit it for review.

The received application is reviewed by employees banking organization within 24 hours (the review period may be extended depending on the workload of the organization’s employees). As soon as the application is reviewed, the bank will notify the client of its decision. If the decision is positive, then plastic card will be manufactured and delivered to the client within 7-10 days.

Services and opportunities available with the Maestro card

Owners of the presented banking product have the opportunity to use the following functions:

1. Cash withdrawal cash at any ATMs, as well as at cash points. Moreover, no commission is charged for carrying out such an operation.
2. Payment for housing and communal services, mobile communications, television, Internet, etc. using a bank card without commissions. In addition, you can pay for services through the Internet banking service. Moreover, you can set up automatic payments.
3. Money transfers to any other accounts. You can carry out such an operation either at a bank branch or via the Internet.
4. Cashless payment goods and services in all stores that provide such an opportunity (at the moment, almost all stores provide such a service).
5. Purchasing goods and services online.
6. Top up your bank account with cash through ATMs and bank cash desks. As well as replenishing your account non-cash through transfers from other accounts.

MIR, Maestro of Sberbank - all these are payment systems, which bank employees will talk about in detail.

Advantages of cards

Pension bank card Maestro from Sberbank has the following advantages:

1. Free plastic production and account maintenance.
2. Regular interest rate accrual on the account balance. Owners of the presented card receive an interest rate of 3.5% per annum. Accruals are made once every three months. When withdrawing money from the account, interest is not reset to zero.
3. It is possible to issue additional plastic cards.
4. Providing access to the Internet banking service, which allows its users to remotely make various banking operations.
5. Withdraw cash from any ATM without commission.
6. Card holders can take part in the bank's bonus program.
7. It is possible to connect the automatic payment service.

Sberbank Maestro “social” - convenient map for people of retirement age.

Disadvantages of Maestro cards

The presented plastic card has some disadvantages:

1. Bank card servicing is carried out only in the Russian Federation. Abroad, it is only possible to withdraw cash. It will not be possible to pay for purchases by non-cash method outside the Russian Federation.
2. You can open a card account only in one currency, namely rubles.
3. Receive salary for this account it won't work. Since only the pension is credited to this account. However, it is possible to top up your account yourself using money transfer.
4. The presented plastic card is not equipped with contactless payment technology.

Thus, we can conclude that the Maestro pension card, although it has some disadvantages, is still an excellent replacement for a savings book. Since you can receive a pension on this card, withdraw money from it in cash, and also pay with it in stores.

Video “Social card from Sberbank”