To receive contributions, pensioners use one of the following options: payment using a savings book, Russian Post, home delivery. But the most convenient way is a map. You can transfer your pension at any time. But what does a pensioner need to do for this? Let's tell you right now.
Funds transfer process
Every pensioner has the right to receive monthly payments for Sberbank card(hereinafter referred to as BC). For this purpose, a special bookmaker was developed, called “Social” - payments are made without commission.
To transfer funds to a bookmaker, a citizen must visit a Sberbank branch and order a bookmaker. You need to have your passport details and pensioner's ID with you.
In the banking structure, an elderly person fills out a corresponding application. After signing all the documentation, the bank employee gives the pensioner a form with account details.
The commission for opening a bookmaker is 10 rubles. Card maintenance costs 30 rubles per month, with no charge for the first 90 days.
Production time for BC is 2 weeks. After 14 days, an elderly person comes to the bank to receive a BC. In addition, the citizen receives an envelope with a PIN code.
Next step– appeal to the Pension Fund. When visiting the fund, you should fill out 2 forms. One sample is stored in the Pension Fund of Russia, the other (certified) is kept by an elderly person. The form should include the following information: full name of the applicant; bank name and BC details.
The card is issued for a period of 3 years. Pension Fund employees notify the pensioner by telephone about the need to obtain a new card.
Please enclose with the forms copy of work book and a certificate of opening a bank account. The PRF reviews the documentation within 10 days. Payments are made starting next month.
It is worth highlighting the advantages of transferring pension payments to a bookmaker:
- Issuance of pensions at any convenient time of the day.
- Transfer of contributions to another Sberbank bookmaker in a few minutes.
- Payment in many stores and institutions.
- To withdraw funds you will need only 2-3 steps. For the first time, it is better to withdraw your pension from a bank, where employees can help in obtaining funds.
- In case of loss, the bookmaker can be blocked by calling the toll-free phone number 8 800 555 5550.
- Reliability – Sberbank is the largest in the country, so liquidation of the bank is unlikely.
- An expanded list of options - an elderly person will be able to pay utility bills, top up their phone balance, transfer funds to another account through the Sberbank Online application.
- Installing an additional “Thank you” program - discounted purchases of goods in pharmacies and stores.
Date of receipt of payments
Payments are made at different periods, depending on the place of residence of the pensioner. Most often, pension contributions are received on the card before the 15th of the new month. The last date for payments is the 21st.
If the payment date falls on a weekend, then a postponement to the next working day is possible.
The main reason for the difference in dates is the different source of funding for pension contributions.
Why don't they translate?
Sometimes an elderly person does not receive pension contributions on the due date. We can highlight the following reasons for delay in payments, such as:
- Transfer of funds to the card at the end of the month - if there are several days left before payments, Pension Fund employees transfer the pension using the old method. Next month the process will stabilize.
- First payment.
- Holidays and weekends and days.
- The reporting period is the first and last month of the year.
- Providing an incomplete package of documentation to the Pension Fund.
- The maximum delay period is 5-7 days. If the funds do not arrive within the specified period, then the pensioner must contact the bank to obtain written confirmation of the delay in payments. In addition, the elderly person must obtain a certificate confirming the receipt of funds into the account.
Based on available documentation You can file a claim with the Pension Fund. Fund employees are obliged to deal with the problem situation received as soon as possible.
At the moment, Sberbank is the most stable bank in the Russian Federation, therefore, when transferring a pension to a bookmaker, an elderly person will not worry about the safety of funds.
About receiving a pension on a Sberbank card, watch the video:
In addition, when using a bookmaker, a pensioner has many advantages compared to other methods of issuing pension payments. Read more about how to transfer a pension to a bookmaker and about the current advantages of such a transfer in this article.
Applying for a bank card is a common procedure that every citizen of the Russian Federation faces. The most pressing issue will be for pensioners and social workers. The desire of financial institutions to expand their area of influence is the reason that such people have the opportunity to choose from a variety of offers from government and other institutions. One such product is the Sberbank pension card. You can find out what a Sberbank pension card looks like, as well as order it, in one of several ways: by visiting the nearest branch or ordering through a pension fund employee.
Specifics of choosing a method of receiving a pension
According to current legislation, each pensioner has the right to independently decide how it is convenient for him to receive his pension: at the post office, on a bank card, with the involvement of special companies. Many people consider contacting a bank to be the most successful option. This is due to the favorable cost of service and the opportunity to receive a number of additional services by clients who have Sberbank debit cards for pensioners. How well a bank is chosen for making cash payments will affect the following in the future:
- the ability to use other bank products on favorable terms (loan processing, utility payments, other transfers);
- minimizing the time spent on visiting a branch that is located in your area and not in another part of the city;
- receiving lucrative offers from the bank (bonuses for conducting transactions in certain stores, the ability to pay in installments when purchasing household appliances, accruing interest for storing money in the account).
Considering such features, a person choosing a suitable bank should be especially scrupulous. This will ultimately eliminate a number of problems that often arise with many pensioners who have a social card. They involve the need to find a suitable ATM, withdraw money for individual transactions, and other unforeseen expenses.
Note! In most cases, the regional branch will offer to transfer your pension to one of the state banks, and this is very justified. Due to a number of reasons, many pensioners may prefer other banks, but many consider Sberbank to be the clear leader.
Upon expiration of the card, the new one will belong to the MIR payment system
Advantages of issuing a pension card at Sberbank
A pension card from Sberbank is a popular product, specially developed by managers of a financial institution for categories of citizens receiving pension payments. The terms of its use provide the following:
- no account maintenance fees, regardless of the number of transactions carried out;
- owners of Maestro “Social” plastic will receive interest for storage in the amount of 3.5 per annum;
- SMS notifications about advantageous offers from the bank (free for the first two months).
Due to this, many pensioners prefer to cooperate with this bank. Such a decision is associated not only with benefits, but also with a constant increase in the number of branches in many large cities of our country. The same situation is with the ATM network, when using which customers will not have to experience any difficulties.
Important! All pensioners who receive accruals from credit institutions in the Russian Federation, providing for transactions using payment cards, will be transferred to the national payment system "MIR".
This will be done as current bank cards expire.
Card design
The process of opening any bank account, including one that involves issuing a plastic card, requires a personal visit to one of the branches. Before you go to the nearest one, you should make sure that you have all the necessary papers with you. The package of mandatory documents that will be needed when opening an account for citizens who have decided which card is best to transfer their pension to includes the following:
- a copy of all pages of the Russian passport, including those with registration;
- pensioner's certificate or extract from the regional office of the fund.
Note. If you plan to pay for utilities through your personal account, you will need your phone number to which a one-time code will be sent for verification.
You can apply for a pension card at a Sberbank or Pension Fund branch
Registration of a card at the Pension Fund branch
Submitting an application from a person who needed a card to receive a pension directly through an MFC employee is one of the easiest ways to solve the problem. However, employees of this structure will receive notification of the opportunity to use a bank card only after several weeks. In most cases, the next month's pension comes with a new one, the registration of which has been carried out. However, sometimes there may be slight delays associated with completing all the necessary paperwork.
How to transfer a pension from another bank to a Sberbank card
In some cases, pensioners who previously received accruals from other financial institutions decide to terminate the agreement with the previous financial institution and enter into a new one with Sberbank. Anyone who wants to figure out how to apply for a pension card at Sberbank will have to do the following:
- Step 1. Contact the nearest Sberbank branch with your passport and other documents. Write an application for the issuance of a social card, which is valid for three years.
- Step 2. Wait two weeks before receiving a bank card with the details for it. If necessary, a bank employee will help you create a personal account, with which you can not only make payments, but also order an instant statement, which will immediately appear on the monitor. This add-on is also designed to implement various security settings (locking, unlocking, changing PIN code, etc.).
- Step 3. Visit the regional office of the Pension Fund, where you can fill out an application to transfer your pension to an issued bank card. In this case, the account number and other details are indicated.
Note! The card number and account details to which payments will be credited are not the same thing. In this regard, in order to avoid misunderstandings, it is important to take care of obtaining all the necessary data from the bank branch.
Many pensioners trust Sberbank
Opinions of pensioners on the use of a plastic card from Sberbank
Considering the fact that any pensioner who prefers the option of receiving a pension on a plastic card will not have to depend on post office workers, the impressions of most people are positive; there are practically no disadvantages. All of them note the following advantages of servicing at Sberbank:
- the ability to connect an automatic payment, under the terms of which funds for utilities will be written off or part of the money will be transferred to a savings account, which is provided by the Sberbank pension card;
- use for shopping in a store, both grocery and other, which in turn eliminates the problem of accumulating small money, as well as storing it;
- security due to the fact that receiving a pension on a plastic card guarantees the safety of funds from thieves and fraudsters;
- instant blocking via SMS or after calling the operator in the event that the bank account is lost, as well as free unlocking at the request of the owner.
If you are planning to retire or you need to get a bank card to transfer benefits (or other payments) to it, then a free Sberbank social card of the MIR national payment system will be a good choice. Its full name: Sberbank MIR Pension Card (cards of the Maestro payment system have already ceased to be issued by the bank), and the likelihood that you will receive exactly this is very high. And this is not surprising, where else will a person go if bank branches are located literally everywhere, and, as a rule, this is the card that is recommended for pensioners or mothers who have just given birth.
Unfortunately, the information about this product on the official Sber website is incomplete, so our detailed review is intended to eliminate this shortcoming and give the most complete description of the social card for pensioners, its advantages and disadvantages, as well as other nuances of use. Reviews from holders of this popular and well-known banking product will only complement the information presented below.
Advantages and disadvantages of a social card
Let's start the review with a description of the main advantages and disadvantages of the card, many of which we will also touch on as the review progresses.
Advantages :
– Free service and registration;
– Free automatic re-issue: regular and early (except in some cases). Thus, once you get a social card, it becomes yours forever (!);
– Cashless payment in the Russian Federation and abroad without commissions (i.e. payment by card in stores and retail outlets). In principle, you don’t have to write about this, since non-cash transactions when paying for goods and services for the holder of any bank card are carried out with a commission of 0 rubles;
– Cash withdrawal from any ATM and at the Sberbank cash desk throughout (!) Russia within the daily limit is free! Accordingly, replenishment and transfers to the accounts of your own/other people’s cards within the city are also not subject to commission (all the nuances are in the review);
– Accrual of 3.5% per annum on the card account balance y (based on the results of every 3 months from the moment of opening). A little, but nice! Even a small constant amount in your account can more than cover paid services, for example, SMS notifications;
– The ability to issue an additional card (except for cards with the MIR PS) linked to the main account (including for children over 7 years old) - a paid service.
Disadvantages (albeit insignificant for citizens of the Russian Federation):
– The Maestro card number consists of 18 digits (problems are possible when paying in online stores, where the payment form contains only 16 characters), the card number with PS MIR already contains 16 digits;
– The terminal at the payment point must accept cards of the MasterCard Maestro, MIR payment system (look for the corresponding logo). In large chains and stores there are no problems with this; they will accept payment;
– Cash withdrawals are only possible in Russia;
– It is possible to receive it only for pensioners and for enrolling social and other payments, although some managed to simply take and issue this social card;
– For recipients of benefits (for example, for pregnancy), the deposit function does not apply (3.5% accrual on the balance of funds). This information requires further verification.
– Cannot be used as a salary. This is information from the official website, but according to some reviews, people still managed to do this (they transferred the card details along with the application to the accounting department and the salary was transferred perfectly)
As you can see, even based on the short list of advantages, this banking product is just a gift for an ordinary person without any pretensions. Next, let's talk about it more specifically.
How and where to get it. Recipient requirements
A citizen of the Russian Federation over the age of 18, with permanent registration in the region where the card is issued (without permanent registration - a decision on an individual basis), who has the right to receive a pension, can apply for a Sberbank MIR social card.
For reference, the term pension is quite broad (from Latin - pensio), denoting a regular cash benefit paid to people of retirement age, disabled people, and people who have lost their breadwinner.
In the case of Sberbank, according to reviews and official information, a person can receive a Pension Card in the following cases:
- Receives an old-age pension;
- Is an honorary donor;
- For social benefits (for example, child care benefits on maternity leave);
- To return part of (compensation) utility bills for large families;
- Receiving compensation for paying for a municipal kindergarten;
- Refund of income tax (personal income tax) at a rate of 13% is possible for property and social tax deductions (apartment, education, etc.);
- Receipt of monthly cash payments by disabled people.
If you have experience issuing a card under other circumstances, be sure to write about it in the comments to get a more complete picture. In fact, only reviews from holders of this card allow you to get complete information about it.
So, if you find your case in the above list, then go to the nearest Sberbank branch with a passport and a document confirming receipt of a pension (pension certificate, disability card, etc.), where you will be given an application form. After completing all the formalities for filling out the form, you just have to wait from 1 to 3 weeks, after which you will be notified by SMS that the card is ready. Come and get it.
By the way, we remind you that you can choose a PIN code yourself after issuing the card in your hands - an additional step of the bank towards the client!
It will be better if you decide in advance what tariff of the Mobile Bank (MB) service you need: Full package (30 rubles per month for SMS information on each transaction) or Economy package (free, but no SMS information). We recommend that you read more about this service at, but I would like to say this. MB will be required in any case if you need access to the Internet bank (an economical package is sufficient), and SMS notification will ensure your safety - at least you will immediately learn about any transaction on the card. This will allow you to take action in case of theft (anything can happen), and it won’t hurt to check the cashier during payment. And 30 rubles, as we noted earlier, will cover 3.5% per annum.
After receiving the plastic card, you must transfer the card account details to the organization paying the pension. If this is a pension fund, then the bank will do everything for you - check this on the spot!
Sberbank pension card. Terms and rates
So what does a person get when he becomes a holder of a social card for pensioners from Sberbank, except for an account with free servicing, into which a certain amount is deposited once a month (the account currency is only rubles). Let's figure it out.
So, the validity period of this personalized budget card is 3 years, after which it will be automatically reissued free of charge for its owner (just visit the branch and they will give you a new card according to your passport). If you lost it, or changed your personal data (first or last name, which is printed on the front side of the plastic), you will have to pay 30 rubles for reissue.
There is a chip on board the plastic along with a magnetic stripe - this is only a plus; previously cards were issued only with a magnetic stripe. In any case, when re-issued, they now issue a chipped one.
If you want to withdraw money, you can do this WITHOUT COMMISSION through a cash register or at an ATM ALL OVER the territory of the Russian Federation. The daily limit in both cases is 50 thousand rubles (in total you can withdraw 100 thousand rubles per day). For exceeding it, the fine (commission) is 0.5% of the withdrawal amount. In subsidiary banks (abroad), Sber itself does not charge a commission (withdrawal conditions are the same!), but there may be an additional commission from the banking subsidiary (check locally). There you can also withdraw money in the currency of the subsidiary bank’s country. You can find details about limits and fees for all bank card products on.
You CANNOT receive cash at the cash desk of a subsidiary bank and also at the cash desks and ATMs of foreign (other) banks. Cash can only be withdrawn from Sberbank ATMs!
If you want to top up your account on your social network, you can do this for free throughout Russia (at any regional bank) through the OCR (cash operator) or the US (self-service device). When replenishing the account by a third party (not the card owner), your local bank will not charge a commission for this, but in another region they will withhold 1.25% of the amount (minimum 30 rubles, maximum 1000 rubles).
The statement (10 last transactions) can only be taken from your local ATM - free of charge.
You can find out about transactions and movements on your account in the MB or in the Internet bank (this method is clearer). It is also possible to receive a monthly report in offices, by email (configurable in SbOl) and by Russian Post. The last method is relevant only for Moscow and costs 150 rubles per year. By the way, Muscovites should be more careful, since when applying for a card, this service can be slowly “sold out.”
They can also sell insurance for card transactions (against fraudulent activities). Sberbank and other credit institutions do not hesitate to impose additional paid services, so when communicating with a bank employee, be prepared to competently fight back, otherwise they will impose unnecessary services.
The social card does not provide for an overdraft (when you borrow from the bank), but there is such a thing as when in some cases the account can go into the negative. Tariffs imply a penalty for the so-called unauthorized overdraft in the amount of 40% per annum. Keep track of the account balance - it should always be positive.
A good way out of a situation where there is money on the card, but it is not possible to go to an ATM, is to issue an additional card. The service is paid - 150 rubles per year, but there are many amenities. Since the additional card is linked to the main account, your relative, grandson or nephew can withdraw money from it and bring it to you (one of its possible uses). If you don’t really trust it, then you can set maximum cash withdrawal limits (for now this can only be done in a bank), so that everything will be under your control.
How to use and where the card is useful
The bank solves several problems when it offers you to apply for a MasterCard Maestro Social card for pensioners with savings. This means giving up what is outdated and inconvenient to service, avoiding queues at the branch, promptly receiving payments, and also receiving benefits - your money will be stored in bank accounts until you use it. It is for this reason that the client is offered a savings function so that he can keep the money in his account longer.
By the way, by connecting to Internet banking you can manage your money without leaving your home. You can not only pay utilities, loans and taxes (and many other services), but also open deposits with more favorable conditions (for this you need to conclude a universal banking service agreement - this formality is completed in a few minutes at any branch).
Since you have the card in your hands, you can use it not only to accumulate payments received or a pension, but for its intended purpose. This is an excellent financial instrument for paying for any purchase - more convenient and safer than cash. The main thing is not to forget, and enter the bank number into your phone for emergency blocking of the card in case of its loss.
The fraudster will not be able to do anything with it, since without knowing the PIN code, he will just have a piece of plastic in his hands. A transfer or payment on the Internet will also not work, since the attacker will not be able to confirm the code sent during online payment to your cell phone to which the card is linked (in accordance with the 3-D Secure standard).
For those who earn extra money on the Internet, it would be useful to know about the possibility of withdrawing funds from the WebMoney electronic wallet to a card account with a small commission (15 rubles + 0.8%) - please check this further when withdrawing electronic money.
Don’t forget also about the “Thank You” bonus program (it’s easy to join), which awards you points for every payment transaction!
What to pay attention to!
Before receiving it, you need to clearly understand which paid services you need and which you don’t. These include mobile banking (full package, including SMS notifications), insurance, additional cards, delivery of statements by mail.
If you want to see the interest accrued for every 3 months, then when analyzing the movement of funds in the account through a bank statement, you will not be able to do this. To do this, you need to receive an online statement from the Internet bank for 4 months or more from the date of opening the card (for example, you can order a statement by email for this period).
The presence of 18 digits in the card number often does not allow you to make payments on the Internet or receive (from microfinance organizations or banks), in this case, find out the bank details of your plastic card and choose a method of receipt.
conclusions
The Sberbank social card (relatively recently, at the end of 2016, it became a pension card) is already good because it is free to service, has a savings (deposit) function, allows you to withdraw money without commission at any ATM in the country and, finally, that it is issued ( issued) by the largest and most famous bank in Russia with the most developed infrastructure. Perhaps its most serious limitation is problems with online payment on the Internet. We talked about this in more detail in, these cards have a lot in common, so we recommend that you familiarize yourself with them.
You need to understand that these are budget-level cards, but taking into account the increased security during payments (since 2013, Sber has fundamentally abandoned the only magnetic stripe and combines it with a chip) and its other advantages, it is the No. 1 candidate for registration and use. Enjoy it and add your comments to the review, as there is probably more to say about this worthy banking product.
The Pension Fund transfers the pension to the personal savings book account based on the pensioner’s application. Receiving it through the Sberbank cash desk is much more convenient, as opposed to waiting in line for many hours at the post office. Therefore, many pensioners receive their pension not from the post office, but from a savings book. But time does not stand still, and new modern ways of receiving a pension are emerging, namely, transferring a pension to a bank card account. To do this, you just need to exchange your savings book for a bank card or apply for and receive a Sberbank card at your place of residence.
It is difficult for older people to keep up with the dynamic rhythm of modern life and many retirees are skeptical about this proposal. But, read this article in full, and you will see how convenient it is to have a plastic card so that your pension is credited not to a savings book, but to a bank card.
How to transfer a pension from a savings book to a Sberbank card, and what documents are needed for this? Is there a commission (interest) for withdrawing a pension from a card at an ATM and how much does annual card servicing cost for pensioners? These and many other questions are discussed in detail in this article.
It is more convenient to receive a pension on a Sberbank card than on a savings book
It won’t surprise anyone that the accounting department transfers salaries to a bank card. Those who receive salaries, scholarships, and social benefits via a bank card have long appreciated the benefits of plastic cards. A bank card is always “at hand”, takes up very little space in your wallet, and most importantly, there are plenty of Sberbank ATMs in any city to get money anywhere and in any quantity, not to mention paying for goods in a store or pharmacy. Will you be able to buy medicine or pay for housing and communal services at an ATM with a passbook?
To withdraw money from your savings book account, you must first stand in line at the operator’s window, then in line at the cash register. You need to have with you not only a passbook, but also a passport. Moreover, you can only receive money at “your” branch, at your place of registration, or, in extreme cases, at the central branch of Sberbank. There is nothing to say about shopping.
It's another matter when your pension is on a bank card account. Cash issuance from a card at Sberbank ATMs is carried out literally in a matter of minutes and completely without commission. There is also no commission for paying for purchases using a card in a store or pharmacy. By the way, if you use a card to pay for purchases in a store or pharmacy, then significant discounts are provided especially for pensioners.
The advantages of a bank card for receiving a pension are obvious. Moreover, Sberbank offers pensioners the most favorable conditions - free annual card maintenance, interest accrual on cash balances on the card account, etc.
Registration or exchange of a passbook for a Maestro “Social” bank card for pensioners is free of charge; no payment for subsequent annual maintenance is provided.
If you compare a savings book and a card, then it is the same as a mobile and landline phone. How quickly pensioners switched to mobile communications, and no one is surprised by a mobile phone in the hands of an elderly person. What prevents you from opening a card and receiving a pension on it? Nothing. Habit and reluctance to change something in your life often become the main reasons.
How to open a Sberbank card and receive a pension on it
The high level of Sberbank customer service that has appeared in recent years allows you to receive a card for transferring your pension without the slightest delay. You just need to take your pension card, passbook and passport with you to the bank, fill out a standard application and receive a card in a few days, and sometimes on the same day. In many cases, you don’t even have to visit the Pension Fund to fill out an application to transfer your pension to your card account; the bank can do it yourself.
The most important thing is that you need to “reliably” remember the four digits of your PIN code and keep them secret so that no one can take advantage of your money.
Using the card is not at all difficult, but you need to follow a number of bank recommendations on how to use the card safely. How to use the card, pay utility bills, top up your phone balance, withdraw cash from an ATM, etc. on our website is described in detail in other articles.
It is very convenient to activate the Mobile Bank service at the time of card registration. However, for this you must have a mobile phone number registered in your name. Write it down, if you don’t remember, this number will need to be indicated in the contract.
The bank sends an SMS about the receipt of the pension on the card
One of the useful advantages of the Mobile Bank service is that for a very small amount per month (30 rubles) Sberbank will inform you about the status of your account. Every time a pension is received on your card, you will receive an SMS message on your mobile phone. You will no longer need to perform card balance queries at the ATM. The SMS message will indicate how much has been credited to the card account and the total balance of money available for withdrawal.
When you receive an SMS, do not rush to go to the bank that same day. The pension has been credited to your account, but you will be able to get cash from an ATM a little later. Wait until tomorrow and you can withdraw your pension from any Sberbank ATM.
Using the Mobile Bank service, the bank will immediately inform you about any movement of funds, be it receipt or withdrawal of money from a card, by sending SMS messages to your mobile phone. Don’t rush to refuse this service when drawing up an agreement to transfer your pension to a Sberbank card, think about it. Maybe a payment of 30 rubles. per month will not seem that much to you compared to paying for trips to the bank to find out whether the pension has arrived or not. "Mobile Banking" can be activated without a monthly payment, but the capabilities of the "Economy Package" are limited.
You can connect Mobile Banking at any time, as well as disable it.
Sberbank accrues interest to pensioners
Perhaps the only advantage of a savings book is that interest accrues on the amounts of money stored in the account. But if you open a Sberbank - Maestro "Social" card, specially designed for receiving a pension and various social benefits, then the advantage of the savings book and the card will be equal.
Interest is accrued on the funds available on the Social card account issued to pensioners to receive pensions, as well as on the personal savings book account. In addition, the bank offers pensioners to open a deposit account on the most favorable terms compared to other categories of depositors. Choose the deposit that suits you and your savings will be preserved and constantly increase.
What other advantages bank cards have for pensioners are described in detail in the articles: Exchange of a savings book for a bank card and “Sberbank savings book or plastic card?” . I just want to add one more aspect.
Each of us has parents and children and sometimes we have to help them financially. If you have a bank card, then it will be much easier for children living far from you to send you a transfer from their card. You can transfer money from card to card even using your mobile phone without visiting the bank. However, you can also make such a transfer if the Mobile Bank service is connected to your card.
How to pay utility bills with a card
If using a computer and paying utility bills through the Sberbank@online service connected to the card is not available to every pensioner, then paying utility bills through an ATM or terminal with a bank card is quite possible. To do this, just insert the card correctly into the ATM, enter the PIN code and go to the “Payment of utility bills” section. Select the appropriate payment, indicate the details of your receipt (number, amount, date) and press the "Pay" button. The ATM will give you a receipt confirming that the payment was successful. Such a check, despite the fact that it does not have a stamp, is an official document of the payment made; keep it for at least 6 months.
Almost any payments, including taxes, can be paid using a bank card through an ATM, not to mention the banal replenishment of the balance of your mobile phone.
Paying for utilities at an ATM with a card is not only convenient, but also profitable, since the commission is significantly lower than when paying at a bank cash desk.
For those who are paying utility bills for the first time with a Sberbank card through an ATM or terminal, there are polite and friendly consultants in the hall. They will help you in detail and competently perform any operation from the card.
Pension on a Sberbank card and Sberbank online service
How much time have older people spent in their lives waiting in queues? Is it really possible for pensioners to continue to stand in queues for hours every month to pay for electricity or telephone, for fear of not paying on time? Is it really impossible to completely relieve them of this responsibility? Of course, you can if you use all the advantages of a payment card.
Just imagine the joy of older people if they no longer have to stand in line to pay for utilities or a radio point. Of course, opening a plastic card and receiving a pension on it is not at all difficult, but only “advanced” pensioners can use the services of the Sberbank online banking system. But you can connect this service to a bank card when applying for a pension on the card, and ask your children to make this kind of payments once a month, saving yourself the effort and time of visiting the post office or bank.
Having the opportunity to manage your pension using the Sberbank@online service, you can pay for housing and communal services, make transfers to other cards, or top up your grandson’s phone balance. It's always nice to give gifts to your loved ones. Apply for a pension on a Sberbank card, connect Mobile Banking and use the convenient and reliable services of modern plastic bank cards.
Pay attention to the date of publication of the article; it is possible that some of the information is currently out of date or has changed.
Publication date: 10/05/2013
When withdrawing cash from an ATM, be careful when entering the PIN code numbers. If you enter the card PIN code incorrectly three times in a row, the card account will be automatically blocked by the bank.
You can transfer your pension to any Sberbank card, not only to the Maestro “Social” card. Only this card is issued to pensioners free of charge. Other cards already provide for paid annual maintenance.
Transferring money from a card account intended for receiving a pension is very simple. To do this, at the ATM, in the "Transfers" section, you need to indicate the recipient's card number, enter the transfer amount on the keyboard and press the "Pay" button.
It is enough to open a Sberbank card to receive a pension, and you will be able to pay for goods in stores, pharmacies, housing and communal services, etc. Maestro "Social" is not intended for paying for purchases in online stores. There are a number of other cards for this purpose, for example "Visa Electron".
A debit card differs from a credit card in that the debit card account holds your money. You can receive a pension, scholarship, various social benefits or salary on a debit card.
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 non-cash payment methods, considering it safer and more convenient. Every year their ranks are replenished with former employees who are accustomed to receiving wages on a card account. At its core, the Sberbank pension card is a debit card with the ability to accumulate funds and regular payment of interest on the balance.
By providing cards to people in the upper age category, Sberbank pursues several goals:
- Significantly speed up the service process at bank branches. A large number of operations can be performed using one universal pension card.
- Unload cash registers, making it possible to receive pension payments and pay off bills through terminals and ATMs.
- Phased replacement of outdated passbooks with modern savings instruments.
What opportunities does the “Social” card open up?
Using the MasterCard payment system gives you access to standard debit card options with some restrictions.
Cumulative function
A bonus of 3.5 percent per annum is regularly added to the account balance. Its payment is made not monthly, but once every three months. The countdown begins from the moment the contract is concluded. Interest is calculated on the amount that was on the card at the time of payment.
Cash withdrawal conditions
The cash withdrawal limit is set by Sberbank at 150,000 rubles per day. To withdraw a larger amount, you must contact a bank branch. A fee may be charged for withdrawing funds from your card account at ATMs and branches of other financial institutions. Additionally, you will have to pay at least one percent of the cashed amount (but not less than the fixed amount of 150 rubles).
You can withdraw money in national currency through one of the ATMs in the Sberbank network absolutely free. There is no commission charged when cashing out funds at bank cash desks. If the amount exceeds the limit of 150,000 rubles, then for withdrawals in excess of this amount you will have to pay a half-percent commission.
Refill
To replenish the Sberbank Maestro pension card account, the client can use a terminal or ATM with a bill acceptor. When you go to the branch to transfer cash to your 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 the card account number and details of the branch in which it was opened.
The pension is credited to the account by wire transfer. In a similar way, you can transfer funds from other accounts using the Sberbank Online service or its mobile version.
Payment for services
Using a pension card, you can pay for purchases and services in stores, shopping centers, and catering establishments. Through Sberbank Online, interest repayments on loan servicing, payments to the Internet provider, and telephone bills are made. Almost all utility companies 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, and transfer money to other cards.
- Mobile banking. Activating this service will activate an SMS notification for each account transaction. Messages about crediting funds, cashing out, and making one-time and regular payments will be sent to the cardholder's number.
- Bonus option "Thank you". Allows you to accumulate bonus points for purchases at Sberbank partner retail chains. Points collected over a certain period are converted into cash replenishment of the account.
Service and commissions of the “Social” card
The validity period 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 card reissue. Maintenance of the pension account is free throughout the entire validity period. If you lose your card or PIN code, you will have to pay a fee for producing a new one in the amount of 30 rubles. Additional cards can be attached to each social account. For their service you will have to pay an annual commission of 150 rubles.
You can use your pension card at regional branches of Sberbank in the Russian Federation and abroad. In a number of countries, there are subsidiary financial structures of Sberbank that service 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 submit an application, you must have permanent registration. The applicant's procedure is as follows:
- collect the necessary package of documents (passport, pension certificate or other evidence of pension registration);
- visit one of the Sberbank branches;
- fill out a personal data form and fill out an application for a card (an example of a standard form is available in each branch).
Banking services need about 10 days to make a decision on opening a pension account. After receiving the relevant notification, you should pick up the card and PIN code from the previously visited branch. To accrue pension payments to an issued card, you must contact the territorial division of the Pension Fund with an application and indicate the details of the card account.
Restrictions
Despite the fact that the Sberbank pension card belongs to the debit category, 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 in the Russian Federation. Service in foreign representative offices of Sberbank and subsidiary financial institutions is limited to cash withdrawal;
- There is no payroll option. The only regular source of replenishment can be payments from the Pension Fund. Working pensioners will have to issue another card for payroll;
- “Social” card is an entry-level financial instrument without CVV2/CVC2 encoding. This means that using this online account you can pay only a fixed list of services (utility bills, loans, etc.) and make money transfers. You cannot pay for purchases in online stores or other online resources.
Advantages
- Sberbank provides free servicing of pension accounts.
- The opportunity to accumulate funds in a pension account with a pleasant bonus in the form of 3.5 percent per annum on the balance.
- Connection to the Internet banking system and remote asset management.
- Automatic payment of monthly bills with the AutoPay feature.
- A complete standard package of bonuses from MasterCard, allowing you to save up to 12 percent on the purchase of goods.
- Possibility of withdrawing cash from one of the ATMs of Sberbank's extensive network.
- The same conditions for cash withdrawals in the Russian Federation and in foreign subsidiaries of the bank.
- Activation of additional cards, including for children over 7 years old. It is linked to the main account and is issued with the permission of the parents.
- Bonus service "Thank you". 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 clients in the upper age category. A number of restrictions might be important for young and middle-aged people. But statistics show that older people value simplicity and reliability more than the ability to shop seamlessly online. Internal currency conversion is also one of the little-used functions.