One of the main tasks of any bank is to attract more customers. For this, numerous programs and preferential products are used.
Sberbank's Active Age pension program is considered one of the most successful projects. It provides for the issuance of a Sberbank Social Card to any pensioner who wishes, leading active image life and not lagging behind modern conditions of life.
What is a Sberbank social card for pensioners?
The Sberbank social card provides ample opportunities to its holders. Of the many offerings, Maestro is the most convenient and cost-effective option for retirees sending their pensions to this bank.
The program has its own peculiarity: it mainly involves people over 50 years old. This category of clients is very attractive for the bank, because the representatives of this age group:
- more disciplined, responsible;
- know how to plan their expenses;
- frugal, set aside their savings.
The program makes it possible to do this in Sberbank, which is beneficial for both parties.
Most of the Active Age participants received their salary plan on a bank card before retirement and found in this whole line positive points.
Many of them have not stopped their work.
How the Social Card works
What benefits does the card provide?
Sberbank provides an opportunity to credit to your account and save a pension. There are a number of other benefits:
- With this card it is possible to purchase goods in stores and via the Internet.
- The bank charges attractive interest on the amount remaining on the card. This is an opportunity to profitably store savings.
- Interest on the remaining money is calculated at the current rates of the bank. Capitalization of deposits is made once a quarter.
The social card system was introduced as a more modern alternative to savings books. It creates great benefits for pensioners, visitors and bank employees: queues disappear, which means people have to spend less time waiting.
Most transactions are made through ATMs and transfers, which allows pensioners to save their time and health. This makes visiting the bank more comfortable for other customers.
Banks increase their income by reducing the cost of making and maintaining passbooks, making transactions with books.
How to get a card
How to issue a card?
It is issued to citizens Russian Federation at least 18 years old, receiving a pension for old age, disability, loss of a breadwinner and some other categories.
Having decided to get a Social Card, you need to come to Sberbank and write an application form. Bring your passport, pension certificate. Contact the bank at the place of your permanent residence.
If the pensioner does not have permanent registration at the place of application, then the bank has the right to independently decide on the possibility of issuing a Social Card.
The application is written according to the established pattern. Bank employees help fill it out correctly.
The card is issued immediately upon visiting a bank branch, but it is possible to receive it only 10 days after the application is submitted.
In some major cities, the delivery time has been reduced to 7 days. There are regions where you have to wait for several weeks. Having received a notification from the bank, you need to come and take a card.
The next step should be to visit the Pension Fund to apply for the transfer Money to Sberbank, transfer the details. Some branches of Sberbank themselves contact the Pension Fund.
The card is issued for 3 years absolutely free of charge. After the expiration date (it can be found on the reverse side), you must go to the bank to get a new one. You do not need to pay for a card exchange.
By the way, if you wish, you can notify the bank 2 months before the expiration date of the refusal to extend the validity of the card.
There is no service charge. But you need to remember that only the first card will be free. If you want to have an additional one, for yourself or your relatives, you will have to pay 150 rubles for it.
How the card works
What features are available to cardholders?
All transactions with this card, requesting a balance, receiving an extract, are made free of charge. Payment is charged in case of an unauthorized overdraft: a penalty of 40% per annum of the minus amount.
An overdraft is a small, short-term loan from a bank to a cardholder. At the same time, the bank allows you to take the amount a little more than what is available on the account, that is, go into the red, but with a limit.
The Sberbank social card makes it possible to perform the following operations:
All these operations are carried out without commissions. In addition, the card provides the following benefits:
- you can manage your account via the Internet;
- a program of discounts and special offers from the Master Card system, which allows you to save 12% when making a purchase;
- receiving bonuses from Sberbank (10%) for participating in the "Thank you from Sberbank" campaign, this amount is credited in the form of bonus points, which are then used to make purchases;
- making deposits, obtaining loans at preferential rates;
- the opportunity to go on a trip at reduced prices through the ru website under the Active Age program.
Card conditions
Sberbank offers many different programs. But the Social Card for pensioners has some positive properties that no other card has.
Payment system | |
Validity | |
Purchasing additional cards | Maybe |
Special offers from Master Card | |
Service | is free |
Monthly withdrawal limit | 500 thousand rubles |
Daily limit | 150 thousand rubles |
Using Mobile Banking | paid, starting from the 3rd month |
Presence of a security chip | |
Bet on the remaining funds | 3.5% per annum |
If the withdrawal limit is exceeded, a commission of 0.5% of the exceeded amount is paid.
Cons of the Social Card
Unfortunately, there are some downsides.
A rather significant drawback is the inability to use this card at ATMs of third-party banks. That is, all operations are performed only in Sberbank terminals in Russia and foreign countries. Abroad, receiving cash is the only available service.
The social card does not have the CVV2/CVC2 code. This is a secret code that some stores or online stores use to authenticate. And if the store provides for the presentation of such a code, then it is impossible to make a purchase.
In addition, there are other disadvantages:
- it is not possible to link this card to an electronic wallet;
- salary cannot be transferred to it, which creates inconvenience for working pensioners;
- impossible to enumerate social benefits, subsidies, other preferential payments;
- when withdrawing funds more than the limit, the interest rate is too high;
- many older people experience fear and prejudice towards ATMs and terminals;
- in rural areas there are almost no ATMs and terminals, which makes it difficult to access one's own funds;
- banks cannot guarantee the complete safety of funds;
- there is a high risk of entering incorrect data and sending funds to the wrong address.
The Sberbank Social Card for pensioners does not have a big difference from all others. She has her flaws. But most of them are completely imperceptible for older people.
It should be borne in mind that since mid-2018, Sberbank has been issuing cards only of the Mir payment system for crediting pensions and other social charges. This is due to the requirements of the legislation "On the National Payment System". As is known, this payment system works only in Russia so far, and accordingly, now even cash withdrawals abroad using this card are impossible.
At the same time, Sberbank expanded the possibilities of the program for receiving bonuses under the Thank You from Sberbank program and now they reach 20% in some cases. It must be remembered that participation in this program is not automatic. The cardholder himself must declare this, for example, by sending an SMS to number 900 with the text "Thank you" and then the last 4 digits of his card number.
We must not forget that SMS informing about the status of the account is free of charge only during the grace period agreed by the bank. And if the pensioner does not want to spend money on this in the future, he must refuse this service.
If the cardholder does not want to incur expenses for the mobile bank, he can also refuse this service. You can check the status of your account through the Internet bank and it's free for everyone. And also through the Internet bank you can make almost all payments from the card account without commission or with the lowest possible.
In addition to Sberbank, other banks also issue such cards, some with even more attractive conditions. For example, the bank "Bank Saint Petersburg" now offers such cards with an accrual of up to 5% per annum on the balance. Therefore, before making a decision on choosing a card for crediting a pension, you need to carefully study the offers of all credit organizations available to you and choose the most profitable one.
In the following video, you will learn how to submit an electronic application for the issuance of a Sberbank card:
Jul 1, 2017 Content manager
You can ask any question below
Sberbank has launched the issuance of Maestro Social cards, the main task of which is to help organize the budget, plan and accumulate funds for people of retirement age. More and more pensioners prefer the non-cash payment method, considering it safer and more convenient. Every year their ranks are replenished with former employees who are used to receiving wages on a card account. At its core, a Sberbank pension card is a debit card with the possibility of accumulating funds and regular payment of interest on the balance.
By providing cards to people of the upper age category, Sberbank pursues several goals:
- Significantly speed up the service process in bank branches. A large number of operations can be performed with one universal pension card.
- Unload cash desks, making it possible to receive pension payments and pay off bills through terminals and ATMs.
- Gradual replacement of obsolete passbooks with modern accumulation tools.
What opportunities opens up the design of the "Social" card
Using the MasterCard payout system gives you access to standard debit card options with some restrictions.
Cumulative function
A bonus of 3.5 percent per annum is regularly credited to the account balance. Its payment is made not monthly, but once every three months. The countdown starts from the moment the contract is signed. Interest is charged on the amount that was on the card at the time of settlement.
Conditions for cashing out
The limit on cashing out is set by Sberbank in the amount of 150,000 rubles per day. To withdraw a larger amount, you must contact the bank branch. A fee may be charged for withdrawing funds from a card account at ATMs and branches of other financial institutions. Additionally, you will have to pay from one percent of the cashed amount (but not less than a fixed amount of 150 rubles).
You can withdraw money in national currency through one of the ATMs of the Sberbank network absolutely free of charge. No commission is charged when cashing out funds at the bank's cash desks. If the amount exceeds the limit of 150,000 rubles, then a half-percentage commission will have to be paid for withdrawals in excess of this amount.
Refill
To replenish the Sberbank Maestro pension card account, the client can use a terminal or an ATM with a bill acceptor. In the department for transferring cash to the account, you must have your passport with you and remember the card number. Instead of a passport to confirm your identity, a bank employee may ask for a card account number and details of the branch in which it was opened.
The pension is credited to the account by bank transfer. In a similar way, you can transfer funds from other accounts using the Sberbank Online service or its mobile version.
Payment for services
With the help of a pension card, you can pay for purchases and services in shops, shopping centers, institutions Catering. Through Sberbank Online, repayment of interest on servicing loans, payments to an Internet provider, and payment of telephone bills are made. Almost all utilities accept electronic payments, which eliminates the need to waste time in queues.
Additional functions
- Automatic redistribution of funds. The auxiliary program makes it possible to automatically pay monthly bills, repay loans, transfer money to other cards.
- Mobile bank ing. Activation of this service activates SMS-notification about each transaction with the account. The cardholder's number will receive messages about crediting funds, cashing out, making one-time and regular payments.
- Bonus "Thank you" option. Allows you to accumulate bonus points for purchases in retail partner networks of Sberbank. The points collected for a certain period are converted into cash replenishment of the account.
Maintenance and commissions of the "Social" card
The duration of the Sberbank Maestro pension card is 3 years. At the end of this period, a reissue is made with an automatic extension of the contract. There is no fee for reissuing a card. Maintenance of the pension account during the entire period of validity is free of charge. In case of loss of the card or PIN-code, you will have to pay a commission for making a new one in the amount of 30 rubles. Additional cards can be attached to each social account. For their maintenance, you will have to pay an annual commission of 150 rubles.
You can use a pension card at regional branches of Sberbank in the Russian Federation and abroad. In a number of states, there are subsidiary financial structures of Sberbank that serve social accounts.
Registration process
Any citizen of the Russian Federation who receives a pension due to age, disability or in connection with the loss of a breadwinner can open a pension account with Sberbank. To apply, you must have a permanent registration. The procedure for the applicant is as follows:
- collect the necessary package of documents (passport, pension certificate or other evidence of registration of a pension);
- visit one of the branches of Sberbank;
- fill out a personal data form and apply for a card (an example of a standard form is available in each department).
It takes about 10 days for banking services to make a decision on opening a pension account. After receiving the appropriate notification, you should pick up the card and PIN code from the branch you visited earlier. To accrue pension payments to the issued card, you must contact the territorial division of the Pension Fund with an application and indicating the details of the card account.
Restrictions
Despite the fact that the Sberbank pension card belongs to the category of debit cards, a number of restrictions are imposed on it:
- all transactions are carried out exclusively in national currency;
- without limiting functionality, the pension card works only on the territory of the Russian Federation. Service in foreign representative offices of Sberbank and affiliated financial institutions is limited to cashing out funds;
- no payroll option. Only payments from the Pension Fund can be a regular source of replenishment. Working pensioners will have to issue another card for payroll;
- "Social" card - a financial instrument entry level without CVV2/CVC2 encoding. This means that using this account in the network, you can only pay for a fixed list of services (utility bills, loans, etc.) and make money transfers. You cannot pay for purchases in online stores or other network resources.
Advantages
- Sberbank provides free servicing of pension accounts.
- The possibility of accumulating funds on a pension account with a nice bonus of 3.5 percent per annum on the balance.
- Connection to the Internet banking system and remote asset management.
- Automatic repayment of monthly bills with the "Auto payment" function.
- A complete standard package of bonuses from MasterCard, allowing you to save up to 12 percent on the purchase of goods.
- The ability to withdraw cash at one of the ATMs of the extensive network of Sberbank.
- The same conditions for cashing out on the territory of the Russian Federation and in foreign subsidiaries of the bank.
- Activation of additional cards, including for children over 7 years old. It is tied to the main account and is issued with the permission of the parents.
- Thank You Bonus. Up to 10 percent of all money spent on purchases in Sberbank partner stores is returned to the client in the form of points. These bonuses can be used for further purchases.
The functional content of the pension account meets the needs and preferences of the clients of the upper age category. A number of restrictions could be important for young people and middle-aged people. But statistics show that older people value simplicity and reliability more than the ability to seamlessly shop online. The little-requested features also include internal currency conversion.
Sberbank issues different kinds maps for all segments of the population. A Sberbank pension card has already been issued, which helps to organize the budget, plan and save money for the elderly.
Opening a Sberbank pension card will help a person reduce the time during the withdrawal procedure. After all, a pensioner does not need to stand in line at the cash desk, but you can quickly withdraw finances through an ATM. This is a significant plus. And also some convenient functions open up before an individual.
Cumulative function
The essence of this service is that 3.5% per annum is received on the balance as a bonus. The payment of the accrued amount occurs once every three months, starting from the day when the contract was concluded.
Additional functions
There are several additional features:
- Automatic distribution of finance. it additional program, main feature which is what happens automatically: paying monthly bills, repaying loans, transferring money to other plastic cards.
- Mobile banking. This service implies the receipt of a text message on the subscriber's phone, which indicates the operation performed with finances: crediting, withdrawal, transfer.
- Thanks Bonus. Such a function involves the accumulation of bonuses on the balance of the Sberbank card, which can later be exchanged for replenishment of a mobile account.
Conditions for cashing out
There are some restrictions on cashing out funds. A person can withdraw from the card an amount of 150 thousand rubles per day. If a pensioner needs to withdraw more than the specified amount, you should contact the Sberbank branch. When withdrawing funds through a self-service device or at a branch of a third-party bank, a commission will be charged.
In case of cashing out the card through an ATM of Sberbank or at the cash desk of the same organization, no interest will be charged. And if a person withdraws an amount that exceeds the limit, you will have to pay half a percent of the withdrawn funds for the service.
Refill
To replenish the Maestro pension card, the holder can use a terminal or an ATM with a bill acceptor. When transferring cash at a branch of Sberbank, you need to provide your passport. In the absence of a passport, you will need to name the plastic number, as well as provide the data of the branch of the financial institution in which the card was issued.
Payment for services
The pension card can be used to pay for various purchases and services in the shopping center, shops, catering establishments. Through an online application developed by Sberbank, you can pay off interest on a loan, pay for the services of an Internet provider and a landline phone. One of the most convenient functions of the card is the payment of utility bills. Now in the field of housing and communal services, Internet payments are gaining popularity. This significantly reduces the time for making payments, since the need to stand in long queues is eliminated.
Tariffs and terms of provision
For a Sberbank social card, there are certain tariffs, the conditions of which are as follows:
- Maintenance of the card during the year is free of charge.
- No fee will be charged for the next reissue of the card. If you need to re-register plastic ahead of schedule, you need to pay 30 rubles.
- When replenishing the card in cash at ATMs and Sberbank branches, interest is not charged.
- Cash withdrawal at home terminals and savings banks - no commission; the amount exceeding the limit - 0.5%; performing a transaction in third-party self-service devices or banks - 1%.
- The limit of the amount withdrawn per day is 50 thousand rubles; per month - 500 thousand.
- Payment for purchases is carried out without commission.
How to issue
The procedure for applying for a pension on the Mir social card can be carried out in your region. With an identity card, you must come to the branch of Sberbank and write an application. This procedure can be performed at a branch or fill out an application at home, having previously printed out a form from the official website of Sberbank.
Client Requirements
The card is provided under the established requirements:
- To receive a basic card, the recipient must be at least eighteen years old.
- A citizen of Russia or a foreign person, as well as a stateless individual who is entitled to a pension.
- A person must be registered in the Russian Federation.
Maintenance and commissions of the "Social" card
The validity period of the pension card is three years. When the action time comes to an end, the plastic is reissued and automatically extended for a certain period of time. You do not need to pay for this procedure. Card maintenance is also free of charge throughout the entire time. If a person for some reason lost a plastic card, you will need to pay for its restoration. The amount of the commission is 30 rubles. You can additionally attach several cards to the social account of each pensioner. For their maintenance, the holder will need to pay a commission of 150 rubles per year.
You can use the card, as well as put money on it, in various regions of the Russian Federation and abroad. In some foreign countries, subsidiaries operate in which you can perform standard actions on cards.
Restrictions
Although a pension card is a type of debit card, it has certain limitations:
- All manipulations on the card are performed exclusively in Russian rubles.
- On the territory of Russia, plastic functions without restrictions. Is it possible to replenish the card in foreign cities and subsidiaries? No, just cash out.
- This type of plastic is not suitable for payroll. Therefore, working pensioners will need to issue an additional plastic card for salaries.
- You can pay with social plastic for certain services (purchases, utilities, loan debts). Payment for items purchased online is not available.
Advantages
If there are restrictions, then there are also enough positive aspects:
- Sberbank pension accounts are serviced free of charge.
- The balance receives 3.5% per annum as a bonus.
- Internet banking is available.
- The "Auto payment" option has been developed, which allows the client not to forget about important payments.
- Cash can be withdrawn from any ATM of this financial institution.
- Conditions for cash withdrawal are the same both in the Russian Federation and abroad.
- Additional cards are issued for children over 7 years old, but only with parental permission. For this, the usual procedure for opening the product will suffice.
How to cancel a card?
The person who owns the card can refuse either the product itself or the service organization.
They can receive additional income from such an account. How interest is calculated on a Sberbank pension card is described in this article.
The specifics of the pension program of Sberbank
Sberbank's pension program is implemented through MasterCard and MIR pension cards.
Starting from July 2017, recipients of pension payments who have acquired the right to such assistance after this date, as well as those whose respective bank cards have expired, will be able to receive bank cards issued exclusively on the basis of the Russian national payment system MIR.
General conditions for granting MIR pension cards:
- holders are citizens of Russia, foreigners and stateless persons over 18 years of age who are entitled to pension payments. An additional condition is the presence of permanent or temporary registration in the country;
- payment system - MIR;
- account currency - Russian ruble;
- validity period - 3 years. Then you should apply with a passport to the bank office where they issued the card in order to get a new one;
- service is free;
- contactless payments – available;
- chip protection - available;
- release additional card- not allowed.
Thanks to the Sberbank pension card, its holders can:
- pay for goods and services by bank transfer in stores and on the Internet within the territory of the country: such cards are not served abroad. Settlements in the region where the product was received, as well as transfers to other bank customers in the same area, are carried out without commissions;
- receive information about the movement of funds on the account, as well as manage it within the framework of the Mobile Bank service. The first two months of using the service are free. Then, if you connect the "Full" plan, the fee will be 30 rubles per month. The Economy tariff is provided free of charge, but its functionality is limited;
- use the Sberbank online service. AT personal account the client can pay for utilities and communications, make purchases, issue Auto Payment, control the account, and so on. The service is provided free of charge;
- enjoy discounts under the Active Age affiliate program;
- become a member of the "Thank you" cashback program;
- receive interest on a Sberbank pension card.
The bank's pension program also involves taking care of future pensioners through the investments of NPF Sberbank. The organization attracts funds transferred by employers in order to form the funded part of the pensions of its employees until 2014. At the moment, the formation of such pension savings temporarily suspended.
The amounts received from employers are invested in high-yield securities Russian issuers. The safety of savings is guaranteed by the Deposit Insurance Agency.
The percentage of the funded part of the pension in Sberbank, based on the results of the work of the NPF for 2016, reached the level of 9.6%.
How to transfer a pension to a card account
To apply for a pension transfer to this card, you need to contact one of three places:
- branch of the FIU;
- branch of Sberbank;
- branch of the MFC.
Any of these branches must be located in the region of your permanent registration. Alternatively, you can complete the application online at the following link.
With you, be sure to take, in addition to an identity document, SNILS.
Each client of Sberbank can claim no more than 1 pension card issued to his account.
Accrual of interest on a Sberbank pension card
Sberbank allows pensioners to receive income from the balance of funds on a card account. What percentage is charged on the Sberbank pension card - this value in 2017 is 3.5% per annum. The Bank reserves the right to unilaterally change the interest rate by notifying the client in advance.
Interest is calculated every 3 months. The countdown is from the date of issue of the card. For example, if it was received on February 4, then for the first time interest on the Sberbank pension card will be accrued and will go to the card account on May 4, and accruals will be made from February 5.
Income is determined taking into account the balance of funds on the card. The calculations are based on the actual number of days in both the billing period and the current year (365 or 366).
What percentage will be on the Sberbank pension card under the following conditions:
- account balance - 45,000 rubles;
- the account was opened on 04.02.2017
The calculation for such initial data will be as follows:
- the number of days in 2017 is 365;
- from 02/05/2017 to 05/04/2017 there will be 24 days in February, 31 days in March, 30 days in April and 5 days in May, that is, a total of 89 days;
- 45,000 x (3.5% / 100%) x (89 / 365) = 384.04 rubles.
If you want to keep funds in your account, as well as receive income from this, you can also use one of Sberbank's offers on deposits, where the interest rate can reach 7%, depending on the term of the agreement and its amount.
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.
- 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 the transfer of pension to the account bank card, indicating all the necessary account details and the branch of Sberbank in which 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 working 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 carrying out 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:- Receive cash from the account through the cash desk, at ATMs and cash points of Sberbank of Russia throughout Russia.
- Receive cash at ATMs of subsidiary banks of Sberbank of Russia OJSC abroad (in Kazakhstan, Belarus, Ukraine, Turkey, Switzerland...)
- Make auto payments cellular communication, housing and communal services and other services by filling out an application for this.
- Make cashless 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 trade and service points in Russia marked with the Maestro trademark.
- Implement .
- Make payments for goods and services online.
- Make payments and transfers using the Mobile Bank and Sberbank Online @ yn systems.
- To replenish the card in cash or non-cash way (transfer to the card).
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 of the 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:- Sberbank Online@yn ( automated system account service via the Internet)
- Mobile banking (work through mobile phone: receive 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 ...);
- Auto payment (automatic replenishment of the phone balance from the pension card account based on the client's order).
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 Sberbank social cards 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.
