What does a Sberbank pension card look like? What is the MIR payment system

January 2019

The popularity of all kinds of plastic cards is steadily growing not only among the young and middle-aged population, but also among pensioners. More and more older people prefer to receive their pension directly to a bank card rather than visiting post offices and standing in long queues. This publication will offer the best pension cards for consideration.

How is a pension card convenient?

The process of receiving a pension on a card is absolutely superior in all respects to visiting a post office. Therefore, those who have not yet transferred their pension to a card should definitely take advantage of this opportunity.

The main advantages of receiving a pension on a bank card:

1. Convenience and ease of receiving funds. You don’t need to go anywhere to get money, stand in long lines and waste your time. On a certain day of the month, funds will be credited to the card. You can remove them at any convenient time and in the right quantity. And the necessary ATMs are often even closer than the post office.
2. Calculation of interest on the cash balance. It is not valid in all banks and not for all debit cards, but you can find an option with such charges.
3. All kinds of discounts, cashbacks and bonuses. Some banking organizations offer pensioners more profitable shopping opportunities and also provide various discounts at partner stores.
4. Easy process of paying utility bills and other bills. All utility bills can be paid through your personal online banking account very quickly. There is no need to knock on the doorsteps of various payment branches.
5. Possibility of receiving quick money transfers from family and friends. Using bank cards, this procedure is carried out instantly - regardless of the time of day or distance.
6. Relative safety of pension funds. The risk of cash theft is significantly reduced, since money does not need to be carried with you at all times.

Which banks does the Pension Fund of the Russian Federation work with?

In the process of searching for the most suitable offer, a pensioner may have a question: “Which bank’s card can I receive a pension on?”

Below is the TOP 10 banks with which the Russian Pension Fund works.

1. Sberbank
2. Rosselkhozbank
3. Opening
4. Tinkoff Bank
5. Promsvyazbank
6. Sovcombank
7. Uralsib
8. UBRD
9. Post Bank

Which bank is better to receive your pension?

This part of the article presents the best pension cards of 2019. After reviewing these offers, it will be easier for a pensioner to make a choice in favor of one card or another.

Sberbank - MIR pension card

It is quite natural that the most reliable and popular banking structure in the country could not ignore the part of the population that had reached retirement age. The vast majority of pensioners receive pensions on Sberbank cards, and the huge number of ATMs and branches within walking distance is a significant advantage for this category of citizens.

Main characteristics of the MIR pension debit card:

• free annual maintenance;
• action of the bonus program “Thank you from Sberbank”;
• the card is issued for a period of 5 years;
• the percentage on the balance is 3.5% per year (accruals occur once every three months);
• the cost of mobile banking is 30 rubles per month (the first 2 months use of the service is free).

Post Bank - pension on MIR card

The bank offers good conditions for transferring pensions to their card. The Post Bank card for receiving a pension allows you to receive a payment of up to 6% per annum on the balance every month. This percentage is valid for card balances of 50,000 rubles or more. The card accrues 3% cashback for payments in the categories “Fuel”, “Pharmacies” and “Transport”.

Opening and servicing a non-personal card is free, but issuing a personalized card will cost 300 rubles. There is no charge for using mobile and online banking services.

Free cash withdrawals are possible through ATMs of this bank or partner banks of the VTB Group. The monthly cost of SMS notification is 49 rubles (the first 2 months of use are free).

Rosselkhozbank - card for pensioners

The main features of the MIR card for crediting a pension are as follows:

• You can immediately get the plastic into your hands;
• issue and maintenance fee - 0 rubles;
• income on account balance - up to 6% per annum;
• the “Harvest” bonus program, which awards points for card payments;
• You can withdraw cash without commission at ATMs of Rosselkhozbank, Rosbank, Alfa-Bank, Promsvyazbank and Raiffeisenbank;
• The monthly cost of SMS alerts about transactions is 59 rubles.

Promsvyazbank - a profitable card for pensioners

The PSB pension debit card is issued and serviced free of charge. It is possible to receive it in your hands on the day of application. The main characteristics of this product are as follows:

• payments on the balance of funds - up to 5% (this percentage is valid if the daily balance is at least 3,000 rubles);
• the funds in the account are insured by the DIA;
• for paying for purchases in the “Gas Station” and “Pharmacy” categories, a cashback of 3% is awarded (the maximum you can accumulate is 3,000 points per month);
• SMS notification - 69 rubles per month.

You can withdraw funds without commission either through Promsvyazbank ATMs or through partner banks. PSB partners include the following financial structures:

1. Binbank
2. Alfa Bank
3. Rosselkhozbank

VTB - free pension multicard

The bank presents people of retirement age with a specialized multicard with the ability to choose a bonus program - for example, connecting a cashback option for purchases in various categories or increasing interest on the balance. The bonus program can be changed once a month.

You can choose cashback for the category you like most:

• up to 2.5% for each purchase;
• up to 10% for purchases in the “Auto” category;
• up to 10% for paying bills in restaurants;

The size of payments on the balance on the card can reach 7.5% when you activate the corresponding bonus option in your personal account. For free annual service, it is enough to receive a pension on the card.

SMS notification of financial transactions on the card is free, as is mobile and Internet banking, and for cash withdrawals without commissions there is a fairly extensive network of ATMs of VTB and its partner group.

Opening - refund from purchases in pharmacies

The corresponding card is issued in two versions - instant or personalized. The cost of annual maintenance for each option is 0 rubles.

The card provides cashback for purchases at any pharmacy - 3% of the funds spent will be returned back (but not more than 3 thousand per month). Interest payments on the balance range from 3.5 to 4% and are made every month.

Pleasant bonuses of this pension card include free SMS notifications and cash withdrawals from all ATMs in the country without commission.

How to apply?

For those pensioners who have already familiarized themselves with all the offers and chosen the most optimal one, they need to know the procedure for transferring their pension to a newly issued card. It is like this:

1. Study all available offers and choose the best one. During this step, the pensioner must familiarize himself with all the cards presented above and decide on the choice in favor of one or the other, based on his personal needs and requirements.
2. Registration of the desired pension card. At this stage, you will either need to visit a branch of the selected bank or submit an online application on the website of the relevant financial institution. For registration you will need a pension certificate and a passport.
3. Visit the Pension Fund branch and submit the appropriate application. The final stage will be going to the Pension Fund and writing an application for pension transfer using new payment details. Next month, the pension will be credited to the new card.

It is important to say here that some banking organizations independently submit the necessary applications to the Pension Fund. In this case, the entire process of transferring a pension to another card will be limited to the first two steps.

Video on the topic

The content of the article:

Once a month, a long-awaited day comes for pensioners - the day when a pension is paid. Remember the time when you simply couldn’t get to the post office or savings bank? - Pensioners stood in endless queues to receive their well-deserved pension.

At the moment, almost every bank offers the most convenient way to receive a pension - on a plastic card. It’s good if young people live nearby and can tell you everything, but if not, then how to apply for a pension on a card?

1. We have decided on the bank - the most reliable, no matter what other banking organizations say, is still Sberbank of Russia. In addition to reliability, the bank offers a number of services that will be a pleasant addition to the pension you receive, namely the accrual of monthly interest on the balance, etc.

2. In order to obtain a bank card, you will need to visit the nearest Sberbank branch. You must take your passport and pension certificate with you. Under the strict guidance of a consultant, an application is filled out and only then the bank employee makes the necessary order. A bank card will be issued with an individual account attached. To work with the card, you will be issued: login, password and , which may be needed if there is a need to credit funds to it. In addition, in a separate envelope there will be a PIN code with which you can make non-cash transactions.

3. And now the most difficult thing: you need to contact the pension fund with the documents and details of the received plastic card. Here you will also be required to write an application, but in two copies, in which the account number and details of the bank where you would like to receive your pension must be clearly stated. Please note: one copy of the application must remain with you, but with a mark made by a specialist. The stamp must contain the date, signature, seal of the organization and the fact that your documents were accepted. This precaution is necessary in case the pension is not received on the card in due time.

4. A small nuance: if you submitted an application to the pension fund a few days before receiving your pension, then the next payment will be made as usual. But you will receive your next pension by transfer to a plastic card.

So we looked at how to apply for a pension on a card, but we missed one very important point - the Sberbank Pension Card itself. The Sberbank Pension Card allows its owners to pay for housing and communal services, communications, television and the Internet. By the way, even in most stores you no longer need to carry cash with you - it’s enough to have a plastic card and know.

The reasons for not receiving money on the card are different, including delays in funding, i.e. the Pension Fund itself delays funds and does not transfer them to the banking institution on time; and technical reasons (when the payment day falls on a holiday). In the last and first months of the year, pension payments may be delayed due to indexation of accruals. Sometimes the bank client himself does not fully provide the necessary documents to the Pension Fund, in this case there may also be a delay in the calculation of pensions. The first accrual and payment of pensions is often delayed.

The delay in crediting pensions to the card can range from 5 to 7 days. If after a week the money has not arrived on your card, you have every right to contact the bank for written confirmation of the pension delay. The bank is obliged to issue such a document (bank account statement) upon request. You also need to take a certificate from the bank for the Pension Fund, indicating that the money did not arrive in the account within the prescribed time. Having these documents in hand, you can make a claim to the Pension Fund. Fund employees are obliged to understand the reason for the delay, make the calculation and inform you about the reason for the delay in crediting the pension to your account.

Each region of the Russian Federation has its own date for crediting and paying out money. In some regions, pension payments are made on the 4th, while in others they receive a pension on the 10th or 14th, 15th. The cutoff date for pension payments is the 21st. Before this date, as a rule, all payments have already been made.

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Comments on the article:

Love wrote on December 7, 2015:

I have a Sberbank pension card. I received my pension for 3 years, there were no problems. But suddenly at one moment they tell me that your account has been frozen. I go to the bank, and they tell me that the account has been seized by bailiffs. I'm going to the bailiffs, what's the matter? There are no debts. I didn’t take out any loans. And they tell me that there is a court decision. In court I find out that there is a default judgment, which I have never heard of, and the debt is not mine at all. Now I’m running around the courts and proving that I’m not a camel. But this is not the most important thing, over time everything will fall into place, the most important thing is that I’ve been sitting without a pension for 2 months and I regret that I opened a card in Sberbank. Everything is taken down to the penny. I thought they would sort it out quickly, but it doesn’t seem like it will take long. Today I will go to the pension office with an application to cancel the transfer of the pension to the card. That's a minus for you. At any time, your card can be blocked for any reason and you will be left without a pension. It’s better to spend one day waiting for your pension than to spend months trying to get it back.

Nikolai wrote on 06/05/2015:

Dmitry, there are probably 2 reasons:

If the remaining amount does not arrive in the coming days, then you will need to write to the pension fund for clarification, since the bailiffs may be withholding from you due to a court decision that you do not know about or for other reasons.

Most likely, the Pension Fund in your region has switched to a new pension payment program, as for example in the Pskov region, where the fixed base amount (FBR) of the pension is allocated separately as part of the insurance pension, so the pension will come in several payments.

Dmitriy wrote on June 4, 2015:

Hello, please tell me where to find the missing 4 thousand, yesterday I received an SMS message from number 900 about the receipt of 9 thousand in the pension account, previously the pension amount was 13 thousand.... Sberbank card.... Thank you.

Gulya wrote on January 17, 2015:

Perm region. The 16th is the appointed date for transferring the pension to the Sberbank card, today is the 17th, and still no pension. There is no information about the delay in the media or anywhere. I called Sberbank and they answered that there are no accruals on the card. Of course, they are most likely being processed at the expense of pensioners, but they tell us that there are no accruals.

Ktyf wrote on September 17, 2012:

Interest comes on the book, but what about the card? The same, less, more or nothing changes?

Aigul wrote on May 15, 2012:

And my question is this: when my mother received her pension from Sberbank, she received it from a savings book and asked how to transfer from a book to a card? She was given an agreement with an account number and we went to the pension fund, wrote an application and they told us that this pension would come to the book and the next one to the card. Usually she received her pension on the 12th and already on the 15th and the pension never arrived. The bank said she would contact the pension fund, who knows what to do???

Svetlana wrote on 01/08/2012:

My parents signed up for pension cards a long time ago and now they can’t be happier. The problem of standing in line for a pension has disappeared. The only thing was that I had to go with my parents a couple of times to the ATM and show them how to use the card and terminal. After all, it’s difficult for older people to figure out new services on their own, and consultants are sometimes busy...

Not all post offices offer a service that allows you to bring your pension home. Therefore, older people have to go to the post office or bank branch on their own in order to receive the money transferred to them. And of course, here they will have to stand in lines and experience some discomfort associated with slow service and long waits. It is much more convenient to apply for a card and receive your pension at any of the available ATMs of a credit institution. For example, this is possible in Sberbank. But how to connect this service? And how to transfer a pension to a Sberbank card?

Visiting the bank to issue a card

Before transferring your pension to a Sberbank card, you must first open it. To do this, you should come to the nearest bank branch with a pension card, passport and savings book (if until this moment the pension was transferred to it). Next, you need to write an application to open a card account, sign it and wait 10 to 14 days.

After you receive the card, you need to take its details (they are in the bank service agreement) and go to the Pension Fund. There you will also have to write a statement indicating a change in the method of crediting your pension.

And then all that remains is to wait until all the formalities are checked and settled. As a rule, the next payment is made in the old way (through a bank cash desk or post office). The next time the pension is credited to Sberbank cards. For pensioners, this is a great opportunity to withdraw money from an ATM.

What programs for pensioners operate at Sberbank?

Currently, Sberbank offers elderly people and those receiving a pension a program called “Golden Years”. It is a set of banking products that allow pensioners:

• Receive a pension without problems and queues.
• Perform operations with your own pension account remotely.
• Use additional deposit services and increase your savings.
• Make purchases in stores, including virtual boutiques, using the card.

Moreover, everyone who joins the program has the right to obtain social cards Sberbank. For pensioners, they are opened and serviced completely free of charge. By the way, cash withdrawals using such cards from ATMs of other credit institutions occur without additional fees.

What Sberbank cards are available to pensioners?

When a pensioner connects to the bank’s program, he is asked to choose one of the bank’s cards. For example, this could be a Maestro “Social” debit card. It is this that provides access to remote account management and an additional range of banking services. A nice bonus for the elderly will be an additional 3.5% per annum accrual on your account balance. Pension accrual to the Sberbank Maestro card is carried out on the basis of a written application.

To enroll in your pension, you can also choose the Mir social card. It is protected by an electronic chip and also includes free issue and maintenance.

What are the validity periods of Sberbank social cards?

All Sberbank social cards have the same expiration date - 3 years. The end date can be seen on the front of the card. It is until the date indicated on it that your “plastic” will be valid. Subsequently it will need to be reissued. To do this, you need to come to the bank with your passport and pension ID, and then write a new application for the card to be issued.

How to transfer a pension to a Sberbank card without a pensioner?

As can be seen from the previous tips, in order to transfer a pension to a card, the personal presence of the pensioner is necessary. But what to do if an elderly person is unable to move independently, but still needs to transfer money to a card? For example, this applies to bedridden patients, whose pension goes towards the cost of caring for them. The same applies to disabled people and other citizens who are unable to act independently. How to transfer a pension to a Sberbank card without a pensioner in this case?

In such a situation, a trusted person is required, for example the pensioner's closest relative. He and the pensioner need to draw up an application for trust management of the elderly person’s pension and have it notarized.

Next, you should report this to the Pension Fund and the bank. It is necessary to take the original and a copy of the power of attorney to both organizations. After all the details have been settled, the relative of the pensioner can repeat the path of writing an application to the Pension Fund and the bank (as shown above), but without the personal presence of the pensioner. But is it really possible to perform money transfer operations remotely? We’ll talk further about how to transfer a pension to a Sberbank card via the Internet and whether it’s realistic to do it at all.

Is it possible to transfer a pension to a card via the Internet?

Despite the availability of online banking and numerous useful services, it is not possible to transfer a pension to a card using the Internet. To perform this operation, you must personally come to the bank and the Pension Fund. Or a trusted person can do the same.

Therefore, the answer to the question: “How to transfer a pension to a Sberbank card through State Services?” - it will be “no way”. Using the government services website you can obtain the following information:

• On the assignment of pension accrual.
• About the status of the current pension account.
• About how to retire for older people.

Also, using this resource, it is possible to submit an application for transfer from one type of pension to another and recalculate it.

How to simplify the procedure for applying to a pension fund?

To save time and avoid queues, you can do the following:

• go to the pension fund website;
• select the “Electronic Services” tab;
• go to the “Make an Appointment” page;
• select your region;
• provide all necessary information;
• select the time and day of visit;
• send an application.

This way, you can make an appointment with the fund’s specialists online, thereby reducing the time you spend in the fund and getting rid of long waits in line. Here's how to transfer your pension to a Sberbank card using the Internet. And although such a service does not completely solve the problem, it does make the process much easier and more convenient.

Moreover, on the Pension Fund website you can leave a request to review the method of crediting funds, indicating the Sberbank social card as an option. To do this you need to be registered on the site. Sending an application is possible through the “Personal Account”. However, to confirm the action, you still need to come to the fund branch in person.

What opportunities does a pension card open to pensioners?

After you have expressed a desire to change the method of crediting pensions, you are issued a card instead of a savings book. It allows you to perform the following procedures:

• Pay for utility bills, services and services.
• Make transfers from card to card.
• View information about your card account and manage it online.
• Find out about pension crediting via SMS.
• Receive money from any ATM of Sberbank and other partner banks.
• Make payments for goods in stores.
• Open additional cards.
• Use other banking products and services on preferential terms (for example, open a deposit).
• Top up your card online.
• Shop online and more.

Moreover, when using the card in some stores, it is possible to get a discount on goods and services ranging from 1-12%. Now you know how to transfer your pension to a Sberbank 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:

1. Significantly speed up the service process at bank branches. A large number of operations can be performed using one universal pension card.
2. Unload cash registers, making it possible to receive pension payments and pay off bills through terminals and ATMs.
3. 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

1. Automatic redistribution of funds. The auxiliary program makes it possible to automatically pay monthly bills, repay loans, and transfer money to other cards.
2. 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.
3. 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

1. Sberbank provides free servicing of pension accounts.
2. 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.
3. Connection to the Internet banking system and remote asset management.
4. Automatic payment of monthly bills with the AutoPay feature.
5. A complete standard package of bonuses from MasterCard, allowing you to save up to 12 percent on the purchase of goods.
6. Possibility of withdrawing cash from one of the ATMs of Sberbank's extensive network.
7. The same conditions for cash withdrawals in the Russian Federation and in foreign subsidiaries of the bank.
8. 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.
9. 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.

Already when applying for a pension, citizens are faced with a choice of where to transfer their pension. Many choose the traditional option - through Russian Post. However, the more modern generation wants to transfer their pension to a bank card. Let's try to figure out why this method is better and which bank to choose.

Advantages of receiving a pension on a bank card

Those who decide to transfer their pension to a card note a number of advantages of this method:

1. There is no need to queue at the post office;
2. the ability to withdraw money any day after it has been deposited, that is, you do not have to go for money on a certain day;
3. A pension card is an excellent protection against thieves, since you don’t have to walk down the street with cash;
4. some banks charge interest on the balance on the card;
5. availability of discounts and other bonuses.

Moreover, when receiving a pension through a card, you can use all the conveniences of this banking product. Many banks offer to pay for mobile communications, utilities and other services via the Internet without leaving your home.

How to transfer a pension to a card

Those who decide to receive a pension through a bank should go through a simple procedure:

• first of all, it is worth studying the offers of credit institutions and choosing the right one;
• go to the bank with your passport and pension certificate, apply for a card and receive its details;
• At the pension fund, fill out an application to transfer your pension to the card, attaching a letter from the bank with details to it.

It is best to submit the application in two copies, with one of them marked as having been accepted by the specialist. This will help confirm, if necessary, that the application in question has in fact been submitted. It is important to understand that, most likely, money will begin to arrive on the card in the month following the submission of the application.

The best banks for transferring pensions in 2019

Which bank should I transfer my pension to? This question is asked by everyone who has decided to transfer their due payments to a card. At the same time, there are banks that provide specialized cards for receiving pensions.

Debit card "Polza" Home Credit Bank for transferring pensions

At Home Credit Bank you can get perhaps the most profitable debit card for receiving a pension. This card contains all the best conditions that can be found in a debit card.

And here's why the Home Credit card will be beneficial for pensioners:

1. The card is completely free for the first year, and from the second year, if you constantly have at least 10 thousand rubles on it, it will also remain free.
2. Special bonus points are provided for purchases with the card, which makes your purchases with the card even more profitable. This is exactly what pensioners who are trying to save every penny need.
3. The bank charges interest at the rate of 7 per annum on the card balance. That is, the card can be used not only to deposit money, but also as a piggy bank card or deposit. Today, 7% per annum is a very favorable rate. In Sberbank, the interest rate on deposits is even lower (about 5.5-6% per annum).
4. Withdraw cash up to 5 times a month from any ATM in the world, always without commission!

Among other things, Home Credit Bank is one of the systemically important banks in our country, and is also a participant in the deposit insurance system. Thus, there are no risks in terms of the bank’s reliability.

Tinkoff Bank - free debit card for pensioners

Most recently, Tinkoff Bank changed the conditions for its debit card. For pensioners receiving salaries under an agreement between the bank and the Pension Fund, the card has become absolutely free. This fact has made the payment card one of the profitable cards for receiving a pension in Moscow and the Moscow region, since in these regions the bank is an accredited participant for transferring pensions. Read more about preferential services here.

Conditions of the Tinkoff Black card for pensioners:

• Card service- free.
• Calculation of interest on the balance— 6%, subject to card purchases per month of 3 thousand rubles.
• Cash withdrawal from any ATMs— free for withdrawal amounts of 3,000 rubles or more. Limit 150 thousand per month.
• Transfers to friends, family and friends to other banks- for free.
• Additional cards- for free.

Post Bank - pension on MIR card or savings account

Favorable conditions for transferring pensions are offered by Post Bank. When you receive funds from the Pension Fund into your account, servicing your Visa Classic or MIR card is absolutely free.

Interest is accrued on the funds on the card, and at the pension rate it is higher by 1% per annum and amounts to:

• if the balance is less than 50 thousand – 4%;
• if the amount in the account is more than 50,000 rubles – 6%.

For those who have a bank card for pensioners from Post Bank, they offer more favorable loan conditions.

For the convenience of clients, the credit institution has entered into a partnership agreement for withdrawal of funds. Therefore, you can get cash without commission not only directly at Pochta Bank, but also at ATMs belonging to VTB Group banks.

Rosselkhozbank - MIR debit pension card for transferring pensions

Another profitable bank for transferring pensions is Rosselkhozbank. Here you can order one of several card options:

• virtual;
• MIR classical;
• Different types of MasterCard.

Among the advantages of this credit institution are the following:

• free issue of a bank card;
• You can get a plastic card within a few minutes;
• interest is accrued on funds remaining on the account at a rate of 7% per annum;
• MasterCard cards provide free SMS messages about cash flows.

You can withdraw money without commission at ATMs of the following banks:

• Rosselkhozbank itself;
• Promsvyazbank;
• Rosbank;
• Alfa Bank;
• Raiffeisenbank.

Another pleasant moment is the assistance of a bank employee in filling out an application for the Pension Fund. To apply for a card within the “Pension” tariff plan, it is enough to have your passport and pension certificate with you.

VTB - pension bank card

VTB also has an advantageous card for transferring pensions. It can be issued absolutely free of charge at any bank branch. After this, an application to the Pension Fund is written according to the traditional scheme. As a result, you get the following amenities:

• annual service without commission;
• free SMS notification;
• payment of utility and other bills without additional fees through an ATM;
• income in the amount of 4% per annum on the account balance.

Binbank - free card for crediting pensions

A bank card for pensioners issued at Binbank gives the right to the following benefits:

• free service regardless of how the card is used;
• accrual of income based on 6% per annum on the cash balance;
• up to 5% cash back on selected purchases;
• the ability to pay for purchases and payments online without cash.

You can withdraw money from a Binbank bank card without paying any fees at the ATMs of Alfa-Bank, MDM Bank and Raiffeisen Bank.

Sberbank - MIR pension card for crediting pensions

Most Russian citizens are accustomed to trusting Sberbank. Therefore, it is quite logical that many are interested in the conditions under which pensions are transferred to a Sberbank card.

The advantages of this option include the following:

• simple and quick registration;
• cheap service (up to 300 rubles depending on the branch and the selected card type);
• free transfers of funds and various payments via the Internet, ATM, telephone;
• interest is calculated on the account balance every three months.

Thus, transferring pensions to bank cards is not only convenient, but also profitable. In addition to eliminating the need to stand in line at the post office, many cards accrue interest and offer various promotions. To get the maximum benefit, it is important to choose the right bank to receive your pension. This is not difficult to do if you use the proposed description of the above-mentioned credit institutions.