How much does it cost to apply for a Sberbank pension card. What everyone should know about the Sberbank pension card

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The key purpose of the Sberbank Maestro social card is to credit pension payments to it. This is a debit card that is issued to citizens free of charge, but with a mandatory requirement - the right to receive a pension. In addition to receiving pensions different kind A social card can be used simply as a debit card, to receive various benefits and social payments on it.

This is a simple debit plastic card that can be used to store own funds and conducting income and expenditure transactions. You can pay with it in all stores that accept bank cards, and on the Internet. In addition, pensioners can use the means of payment as a tool for accumulating and increasing their own funds. 3.5% per annum is charged on the balance of the card account.

How to get a Sberbank social card

A card of this type is issued to citizens free of charge and does not contain conditions for paying service fees. It is completely free. To obtain a Social Card, you should contact any branch of Sberbank for working with individuals. You must have a passport and a document confirming the receipt of a pension with you.

In addition, information is circulating on the network that the card can also be obtained by those who receive other social benefits, and also have various titles:

• honorary donor;
• veteran of labour;
• receives social benefits, such as childcare while on maternity leave;
• receives a monthly cash disability payment;
• receives compensation for paying utility bills in a large family and paying for a municipal kindergarten;
• received a refund of income tax on social tax deductions.

Requirements for cardholders:

• reaching the age of 18;
• citizenship of the Russian Federation;
• permanent/temporary registration.

After receiving a pension card in your hands, you can immediately use it for its intended purpose, performing various operations. The card does not contain credit limit, so you can not be afraid to go into a minus when using.

Basic information about the pension social card:

• is nominal (on the front side the name and surname of the holder are applied);
• serviced by the MasterCard Maestro system with the connection of the discount program from this system;
• protected by an electronic chip (operations are carried out with the knowledge of the PIN code);
• the card is valid for 3 years, after which it must be replaced;
• connection to the program;
• the possibility of issuing additional cards;
• issuance and maintenance free of charge.

How to use the card?

To credit a pension to this card, you should visit a branch of the Pension Fund with the details of the means of payment (you can take it at any Sberbank upon presentation of a passport or receive it when issuing a card in your hands). After writing the corresponding application, the pension will regularly come to the card.

You can perform the following operations:

1. Withdraw funds without commission at any Sberbank ATM or at its branches.
2. Put funds on the card at any Sberbank ATM with the function of accepting cash or at its branches.
3. Pay by card for purchases in stores, now almost all outlets provide such an opportunity.

The card is equipped with a special security chip. When making any transaction, you must specify a PIN code. This code is issued when applying for a Social Card. It is strongly not recommended to write this code on the card itself. Ideally, it should be memorized.

Storage and accumulation of funds

Sberbank takes into account the need of pensioners to accumulate funds. When storing own funds on the card account, the bank charges 3.5% per annum. The accrual does not depend on any conditions. If the card balance is positive, Sberbank charges interest. Unlike deposits, there are no conditions and restrictions, interest is always valid. The frequency of accrual is every three months.

Issue of an additional card

To the main pension card you can issue an additional one and transfer it to another person. An additional card is similar to the main one, has the same account and balance, but the main owner can set limits on transactions. For example, a pensioner can give an additional card to his children or grandchildren. Such a card can be issued even for a child from 7 years old.

What are the advantages of an additional "Social" card for a child

Additional service

When applying for a Social Card, you can immediately connect Mobile bank. As a result, when performing any operation on the card, its owner receives a message on his phone with information about this operation (amount, date, time, place). It's comfortable. When crediting a pension, calculating interest, paying for goods and services, replenishing an account, you receive a message. In this case, the message also indicates the balance on the card. The cost of the service on the Social card of Sberbank is 30 rubles per month.

When issuing a card, you can also connect the Sberbank Online Internet Bank. As a result, the citizen gets round-the-clock access to his account. It can view transactions, make payments, top up mobile phone numbers, and even pay utilities. This system has many features and is free to use.

When paying with a Social card in stores, the holder receives bonuses under the Thank You program. As they accumulate, these bonuses can be used as payment in stores and organizations that are partners of Sberbank within the framework of promotions. There are many such partners. These are grocery supermarkets, clothing and footwear stores, communication stores, pharmacies and much more.

All pensioners every month are forced to stand in a huge queue of the bank to receive their pension. The solution to this problem is a Sberbank pension card, all interested pensioners will be able to apply for it at a bank branch.

You can receive on a Sberbank pension card not only a pension, but also various social benefits. Use this way to get Money much easier and more convenient.

The main advantages are:

1. You can receive a pension, social benefits, money transfers without resorting to bank services. There is no need to stand in line at the cashier, just go to the nearest ATM and withdraw the required amount of money.
2. Funds are withdrawn without a commission, you can withdraw both large and change bills.
3. It is possible to pay for your purchases in online stores. This is legal, since all stores providing such services first conclude an agreement with Sberbank. Many of them do not charge transfer fees.
4. You can transfer money from your account to other accounts, transfer money to mobile phone numbers.
5. Easy registration, it is enough to provide a bank employee with your passport, pension certificate.
6. Low annual service fees.
7. Every 3 months interest is charged on the balance.
8. An account statement is issued free of charge at the request of the owner.

How to apply for a plastic pension card

Sberbank is the most reliable bank in Russia, you should not worry about the safety of your money. In addition, the bank provides new customers with all the guarantees, special bonuses that can be used at any time. In order to issue a card and receive a pension on it in the future, you need to visit the nearest branch of Sberbank to the house.

You will need your original passport and your pension certificate.

Bank employees will help you fill out an application for opening an account, advise which services are best connected for convenient use. A pension card, unlike ordinary ones, is issued in a short time.

You will be given a username and password to log into Personal Area, details for replenishment, a bank employee will make all the settings for the necessary services. Pin code, the card itself is issued in a special, closed envelope.

The next step is to link the pension to your pension fund bank account. To complete the registration of a pension to a bank account, you need to provide the employee of the pension fund with the details of the bank account, write a corresponding application in two copies. Binding takes some time, therefore, if there are several days left until the next payment, transfers to the card will begin only from the next month.

How to use

Using the card to receive pensions and other payments will save a lot of time. You can go and withdraw money immediately after the SMS notification about the replenishment of the account, which comes automatically to your mobile phone.

A pension card is issued for a certain segment of the population, has its own characteristics and advantages. In the functional part, it is ideal for use by pensioners.

Of all the social groups of the population, Russia has the most pensioners. Every month the state transfers them cash benefit. There are several options for receiving funds. You can apply with a passbook to a bank branch and stand in line waiting for the payment. For some categories of citizens, postmen bring money home. But both of these options are not very convenient, since you have to spend a lot of time. It is better to use a bank card. You can apply for it at any financial institution. Read more about how to transfer a pension to a Sberbank card, read on.

Advantages

Sberbank is the largest and most stable credit institution in Russia, which provides its customers with great opportunities compared to other similar institutions. For pensioners, the following nuances are important:

• Sberbank is a state organization. In the event of economic shocks, the likelihood of its liquidation is minimal.
• Sberbank is the leader in terms of the number of branches in Russia and is one of the ten largest networks in the world. That is, you can withdraw funds from the card without commission in almost any locality of the country.
• A credit institution provides its customers with a service remote service accounts. However, not all pensioners are ready to master modern Internet technologies. But it will not be difficult for them to receive SMS notifications about card transactions.
• Especially for this category of citizens, a pension was developed for it without commissions.

Payment instrument

"Social" is a debit card of the Maestro category. There are no special privileges for its use abroad. But within the network of a credit institution, you can:

1. Automatically and regularly receive a pension on a Sberbank card.

2. Free to use the payment instrument.

3. Quickly and at any time of the day, withdraw and credit money to the card through ATMs.

4. Receive at 3.5% per annum on the account balance.

5. Participate in the "Thank you" bonus program - purchase goods with discounts in pharmacies and partner stores.

Registration procedure

To receive a pension on a Sberbank card, you need:

It is necessary to submit an application in two copies to the territorial branch of the Pension Fund. It contains the details of the card, the full name of the recipient, the name of the bank. A copy of the pensioner's passbook and a certificate of opening an account are attached to the document. One copy remains in the PF. The second should have a mark with the number and date of registration of the message. Here you should indicate all the documents that were transferred to the PF. If an application for transferring a pension to a Sberbank card is submitted a few days before the next payment, then most likely the money will be transferred as early as next month.

After the application is made, the terms of payments change. If the pensioner received the allowance on the 12th-13th day of each month, then the transfer of the pension to the Sberbank card may be delayed for 5 days. The PF must distribute the funds in the accounts evenly.

Maintenance nuances

The commission for opening an account is 10 rubles.

The Bank provides its customers with SMS informing about the transfer of funds. For holders of the "Social" card, no fee is charged for the first three months. For subsequent maintenance, you will have to pay 30 rubles / month.

Cardholders get access to a terminal through which they can transfer a pension to a relative's Sberbank card, pay utility bills, top up a phone, and send other payments.

Reverse procedure

If for some reason the pensioner does not want to receive money on a Sberbank card, then you can redirect. There are two scenarios for the development of events.

First: the Pension Plus deposit has not yet been closed, and the passbook is in hand. In this case, it is necessary to visit the PF and write a refusal to transfer benefits to a bank account. After receiving the payment to the passbook, you must close the account with a credit institution. As a result of such an operation, the pension will not be transferred to the Sberbank card.

Second: the passbook has been archived. In this case, it all depends on the circumstances. You can re-register the service for any other credit institution with which the PF cooperates. If this option does not work, then you will have to write an application for benefits at the local post office. In any case, it is better to resolve the issue through the PF. Bank employees will not deal with forwarding.

Contributions

There is another reason why you should be interested in the question of how to transfer a pension to a Sberbank card. The credit organization offers this category of the population to place the accumulated funds on deposits with favorable conditions:

High interest rate;

savings insurance;

Possibility to transfer the accumulated interest to the account on a monthly basis;

Deposits can be replenished and extended.

In 2015, Sberbank canceled targeted deposits for pensioners. But the existing ones stipulate special conditions: the client receives the maximum rate for the selected program. Money can be deposited into an account in rubles, dollars or euros at the cash desk of a branch or through Sberbank Online@yn.

The interest rate in rubles, taking into account the prolongation and capitalization of the deposit, varies within the following limits:

• "Save": 9.7-10.29%;
• "Replenish": 10.05-9.58%;
• "Pension plus": 3.5-3.55%.

Interest rates are low. If you wish, you can make a deposit in any other credit institution or put funds on savings certificates. Only in the first case you have to look for reliable bank, and in the second, remember that investments even at 13.25% per annum are not insured.

If these same deposits are made through Internet banking, then the conditions for calculating interest do not change, and the rates themselves increase:

• "Save Online @ yn": 10.5-11.34%;
• "Replenish OnL @ yn": 11-10.61% (within three years).

In addition, a pensioner, making any deposit in Sberbank, enjoys a kind of bonuses:

Receives a savings book;

Can apply for the service of transferring accumulated interest to the card and use it free of charge during the first year of service;

Does not pay taxes, as the interest on deposits is below the refinancing rate;

Can extend the deposit without re-issuing the contract.

Conclusion

It is no secret that the number of pensioners in Russia is quite large compared to other social groups. And every month the state pays well-deserved remuneration to all pensioners of the country or supports the disabled and orphans. Naturally, in order to receive a pension on time, each pensioner should be able to choose the most convenient way to interact with the Pension Fund, which transfers money for such purposes. A significant part of citizens still use passbooks and receive their pensions personally, turning to the bank or the post office every month, some pensioners have their pensions brought home.

However, both methods of payment have obvious limitations, which cannot be said about the much more modern and convenient option for receiving a pension - to a bank card. Each pensioner can apply to any commercial bank, apply for a card and receive a pension on a card account without having to go to the bank office or post office every month, or wait for the cashier to come to his home. And if we talk about the payment of pensions, then among other commercial banks, Sberbank of Russia will be the most profitable choice for pensioners. Why is it so? How to reissue a pension to a Sberbank card? How to transfer a pension to a card? How can the funds be used? Let's figure it out!

Benefits of Sberbank for pensioners

The advantages of crediting a pension to a Sberbank card are obvious, because this is the largest bank in Russia, which means that it is obviously more stable and has more opportunities than others commercial banks. For retirees, the important points are:

• Reliability. Sberbank is not only the largest Russian bank but also a state-owned bank. This means that in the event of any economic shocks, the likelihood that the bank will be closed or cease to fulfill its obligations to citizens is minimal.
• Extensive network of branches and ATMs. The number of branches of Sberbank is unrivaled, and in terms of the number of its own ATMs, the bank is the leader in Russia and is among the ten most numerous ATM networks in the world. This means that when receiving a pension on a Sberbank card, you can cash out funds without commission in almost any locality in Russia, as well as in most countries of the world. And in case of any difficulties and the need to personally contact the bank branch, it will be much easier to find and get to it than to the office of any other bank.
• Modern technologies . Modern technologies have a huge impact on the banking industry. Clients are provided with ample opportunities for remote access to their account. And therefore, every pensioner who receives a pension on a Sberbank card can use the multifunctional Internet banking Sberbank Online, as well as its mobile version, receive SMS notifications about card transactions and use the numerous functions of Sberbank ATMs.
• Low rates. Since Sberbank of Russia is the leader in the banking sector, it also has much greater opportunities when developing its tariff policy, especially when it comes to pensioners.

For these reasons, when choosing a bank in order to receive a pension on a card, Sberbank is always at the top of the list of applicants for opening a card account in any region of the country. But in addition to the obvious competitive advantages, important point is the presence of a special offer for pensioners, created specifically for receiving a pension - we are talking about the Social Card of Sberbank.

Of course, Sberbank of Russia is not the only lending institution that is trying to attract numerous social group Russian pensioners for service by developing special offers that make it easier to receive a pension or have additional benefits. Almost every bank has special deposits for which the depositor receives an increased percentage, and the pension of pensioners can be transferred to the deposit account without cash (in Sberbank this is the Pension Plus deposit). However, only Sberbank created not just a pension deposit, but a full-fledged financial instrument, fully aimed at solving financial problems specifically for pensioners.

Social card of Sberbank

The Sberbank Social card is a debit bank card of the MasterCard Maestro category. Despite the fact that this card does not give its owner special privileges when used abroad, its capabilities within Sberbank will fully satisfy all the financial needs of pensioners:

1. The pension is credited to the Sberbank card without the participation of the pensioner, automatically and regularly.
2. You can open a "Social" card at any branch of Sberbank absolutely free of charge, no fee for maintaining a card account is charged. That is, the pensioner does not pay anything to the bank for using the card.
3. You choose where, when and how much you withdraw money. This can be done quickly and conveniently thanks to the huge ATM network of Sberbank, a large part of which are devices with the ability to deposit cash on a card.
4. Withdrawal and crediting of funds to the card is free of charge.
5. The pension is credited to the Sberbank Social card immediately, immediately after the transfer from the Pension Fund.
6. An additional income in the amount of 3.5% per annum is accrued on the balance of the card account.
7. Each card is automatically connected to the Thank You bonus program of Sberbank, which allows you to purchase goods with discounts in many pharmacies and partner stores of the bank.
8. You do not just receive a pension on a Sberbank card, but together with the card you get the opportunity to use numerous bank services, primarily Sberbank Online, where you can carry out transactions on your card account at any time without leaving your home.

Registration of a pension on a Sberbank card

So, Sberbank of Russia is optimal choice to ensure the possibility of receiving a pension on a bank card. Moreover, a special plastic card for pensioners "Social" has been created here. It remains only to issue a pension on the card. To do this, a pensioner needs to go through a simple procedure for issuing a card at Sberbank and report the account data to the Pension Fund. This can be done by following the following simple algorithm:

1. With your pension certificate and passport, go to any branch of Sberbank.
2. With the help of a bank employee, fill out an application for a card and receive a printout with the details of the card account. In addition to the card, a bank employee will give you an envelope with a PIN code to use it at ATMs. In addition, it will not be superfluous to immediately apply for connection to Sberbank Online in order to manage your finances via the Internet.
3. Take the received account data to your territorial office of the Pension Fund of the Russian Federation. Here you will be prompted to fill out two applications, one of which with the signature of a specialist and a mark of acceptance will remain in your hands. If you applied to the Pension Fund a few days before the next pension crediting, then it may not yet be credited to the Sberbank card, but will be credited in the old way. But the payment of the next month will already be credited to the card and in the future you will not be required to participate in this process.

Please note that if until now the pension was paid to you not on a bank card, then after reissuing the payment, the timing of the receipt of funds may differ. So, if you received a pension in the mail on the 12th-13th of the month, then the pension can be received on the Sberbank card on the 19th-20th. This is due to the need uniform distribution funds in the accounts of the Pension Fund.

Thus, it is possible to resolve all issues and reissue a pension to a Sberbank card in just a few hours within one day. This will allow you to greatly simplify for yourself the process of obtaining funds at your disposal, and in addition, it will expand your possibilities for using them for your own needs.

Social card of Sberbank

Sberbank of Russia is carrying out systematic and methodical work to increase the number of users Sberbank social cards, as well as on the reissuance by pensioners of their savings books to Sberbank pension cards. The task and goal of Sberbank is simple and understandable: to reduce queues at savings banks, simplify servicing the population in issuing cash and transfers, reduce Sberbank's expenses for printing blanks of savings books and thereby increase the bank's income. What about Social Master Card Maestro give pensioners? What is Maestro Sberbank card and what are its virtues?

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

To whom and how is a social card issued?

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

• individuals who are entitled to receive old-age pensions,
• individuals entitled to receive pensions - in the event of the loss of a breadwinner, disability and other reasons.

Maestro Card - Sberbank issued to individuals from the age of 14 who are entitled to receive a pension, who meet the following conditions:

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

What actions need to be taken by a bank client in order to issue 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 appointment of a pension (Pensioner's Certificate);
• Fill out and sign the Application Form for obtaining a card at Sberbank;
• Submit an application to the Pension Fund for the transfer of pension to the card account.

So, in order 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 Pension Fund and write an application for transferring a pension to a bank card account, indicating all the necessary account details and the Sberbank branch where the account is opened. The bank can provide the client with details by issuing a certificate. In addition, they can be specified in the account maintenance agreement. Some branches of Sberbank themselves notify the pension fund about the registration of a card account for a pensioner to receive a pension.

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

Validity period of the social card

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

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

Upon the expiration of each three-year validity period, the card becomes invalid and the Bank has the right to automatically reissue it, but on condition that the client has not notified the Bank 60 calendar days before the expiration of the Card to refuse to use it in the future.

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

For early reissue of the Card, i.e. for re-issuance before its expiration date, the Client himself must submit a written application to the Bank.

Additional card to the Sberbank pension card

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

Additional card is issued upon a written application of 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, now there is no such information on the site. So, earlier the issuance of an additional card was carried out:

• 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 a minor, the issuance of a secondary card requires the consent of a legal representative.

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 of maintenance of the Account to establish limits and restrictions in the form of:

• the limit for receiving cash on the Card (Cards) within a month;
• limit for transactions in the trading / service network using the Card (Cards) within a month;
• the total limit for making any transactions with the Card (Cards) within a month;

What can I do with my account and Maestro Social card?

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

1. Receive cash from the account through the cash desk, at ATMs and cash points of Sberbank of Russia throughout Russia.
2. Receive cash at ATMs of subsidiary banks of Sberbank of Russia OJSC abroad (in Kazakhstan, Belarus, Ukraine, Turkey, Switzerland...)
3. Make auto payments cellular communication, housing and communal services and other services by filling out an application for this.
4. Make cashless payments to legal entities for goods and services in Russia through information and payment terminals (IPT) and ATMs of Sberbank of Russia.
5. Make payments for goods and services at all trade and service points in Russia marked with the Maestro trademark.
6. Implement .
7. Make payments for goods and services online.
8. Make payments and transfers using the Mobile Bank and Sberbank Online @ yn systems.
9. To replenish the card in cash or non-cash way (transfer to the card).

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

Restrictions on using 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 affiliated banks;
• Operations for map Maestro - Sberbank carried out only in Russian rubles;
• The card does not have a CVV2 / CVC2 code, as it refers to entry-level cards;
• The card is not intended for payroll, i.е. cannot work as a salary card if the pensioner is working.

Accrued interest on the balance of funds

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

Interest is accrued to the account of Sberbank-Maestro "Social" cards is carried out quarterly after the expiration of each three-month period determined from the date of opening the card account - quarterly interest capitalization 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 issuance and maintenance of cards. Sberbank of Russia periodically reviews the parameters and tariffs for issuing and servicing bank cards Sberbank-Maestro "Social".

I will give separate tariffs for servicing the Social Card of Sberbank of Russia for the middle of 2014. So, the tariffs for servicing cards have the following parameters:

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

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

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

Additional services of Sberbank for pension card holders

For holders of social cards, Sberbank also offers additional services in the form of:

1. Sberbank Online@yn ( automated system account service via the Internet)
2. Mobile banking (work via 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 ...);
3. Auto payment (automatic replenishment of the phone balance from the pension card account based on the client's order).

It should be noted that Additional services allow you to use the social card more efficiently, but it also costs some money.

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

And now let's estimate whether it is profitable today to transfer a pension to a card account.

Consider a conditional example, when the daily balance of funds on the card account during the year averaged 3,000.00 rubles, and the client used certain services according to the tariff plan.

So, the calculation of the profitability of a social card according to a conditional example looks like this:

In our example, expenses exceeded income by 245.00 rubles. But if you do not receive an additional card, do not request additional reports on the movement of funds on the card too often, and do not rush to immediately withdraw the entire enrolled 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 holder of a social card. "Loss" of funds from the account can occur in case of loss electronic means payment and (or) its use without the consent of the client. How to solve such a problem? In order to take timely measures to return funds illegally debited from the account, be sure to immediately view all SMS messages received from the bank with notifications of transactions on the account. Such a mandatory service is now available in the bank.

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

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 a corresponding notification to the client in the manner prescribed 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 consent of the client. (Part 5, Article 9)

Based on this, in order to prevent illegal debiting of funds from your account, follow the SMS messages that will come from your bank after each operation, and if the debiting operation is unknown to you and you have not carried out, then urgently take measures in accordance with the following paragraphs of the same law:

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

Upon receipt by the money transfer operator of the client's notice in accordance with "Part 11" of this article, the money transfer operator shall reimburse the client for the amount of the transaction made without the client's consent after receiving the said notification.

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:

№	Advantages of the card	№	Cons of the card
1.	The possibility of issuing an additional card for a family member	1.	High interest rates for pensioners on withdrawing excess amounts from a card account.
2.	The ability to quickly withdraw funds through ATMs in any major metropolis of the Russian Federation and at ATMs of affiliated banks outside the Russian Federation.	2.	Fear of ATMs and information and payment terminals in the elderly (common)
3.	Possibility of independent payments and transfers through terminals	3.	Inaccessibility to use the card in rural areas, where there is no appropriate technical base and remote communication channels.
4.	Interest accrual on account balances	4.	Increasing cases of unauthorized withdrawal of funds from the card account without the knowledge of the cardholder.
5.	Receiving SMS messages on the movement of funds on the account when connecting the Mobile Bank	5.	Restriction on servicing only the territory of the Russian Federation and subsidiary banks Abroad.
6.	The possibility of placing funds on deposits through ATMs, terminals and the Internet using the Sberbank Online @ yn system	6.	Increased risks - if a mistake was made when entering data and the money was not credited to your account

Frequently visiting Sberbank, I constantly observe the picture of bank employees offering the next pensioner a social card of Sberbank of Russia, and rightly so, it is necessary to offer, but explanatory work with clients should not turn into another “company” and be carried out in an emergency manner, during the days of mass payment of pensions . What can you ask and what to 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 words from bank employees that card maintenance is paid. Perhaps they forget to say? They also do not talk about the possibility of issuing an additional card for relatives who sometimes accompany a pensioner to the bank. But they say a lot and willingly that card transactions can be insured. And again, they modestly forget to say that the insurance will be issued at the expense of the cardholder himself. And so a person writes an application for a Sberbank social card and goes home with a happy feeling that he has not lagged behind progress, and he will learn about additional expenses from a pension or allowance and about some unpleasant nuances of working with a card a little later.

But pensioners still have the right to choose; you can go back to the savings book. Although in my branch of Sberbank, when I refused to write an application for a Sberbank pension card, they told me literally the following: “Where are you going to go. That's when we liquidate passbooks, come and write." This "unfortunate manager" did not even think about the harm she was doing to her bank with these words. After all, if after such words I thought and transferred the receipt of a pension to the post office, then other people can also think. And that part of pensioners, whose pensions are quite modest, are the first contenders for the transition, and this will not add income to the bank.

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