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Is it possible to receive a pension on a world card? MIR card in Sberbank: validity period and terms of service. Cash withdrawal limit

"Map of the world for pensioners" belongs to the category of debit cards in Sberbank for senior citizens. Also in the line of such cards we can highlight “ MasterCard Active age “, but we’ll talk about it in another article.

The MIR pension card is an excellent opportunity to receive a pension without leaving home. The card makes it easy to pay in stores and accumulate “Thank you” bonus points. Moreover, it allows you to profitably store your funds. Sberbank charges up to 3.5% per annum on the card balance. Annual maintenance is also free. Pension card holders have access to preferential SMS notifications regarding card transactions ( Preferential mobile bank ). The cost per calendar month is only 30 rubles, and the bank provides this service free of charge for the first two months. The validity period of the MIR pension card from Sberbank is 5 years from the date of issue.

Advantages of World cards

The national payment system Mir appeared quite recently, but has already gained great popularity among citizens, especially among public sector employees. To date, banks have issued tens of millions of such cards. The leader in issue is, of course, Sberbank. The main advantage of MIR cards is that all operations and transactions are processed on Russian territory, so you don’t have to worry about Western sanctions, or that information will leak to foreign banks.

Conditions for obtaining a MIR Pension card

Since the MIR pension card from Sberbank is intended for older people, you can get it by confirming your age and right to receive pension payments from the Pension Fund and other social payments. You also need to be a client of Sberbank and have no more than one valid card. It can be issued in any territorial division.

How to receive a pension on a Sberbank MIR card

To transfer pension payments to an account at Sberbank PJSC, you must fill out a special application.

Sample for delivery of a pension to an account in Sberbank, at a post office or another method:

You can submit your completed application to:

  1. In the territorial branch of Sberbank PJSC;
  2. In any MFC in the region of registration;
  3. In the branch of the Pension Fund of Russia.

You should take your passport and SNILS card with you.

Receiving a pension on a Sberbank card is the easiest and safest way to receive funds. You will not be dependent on long lines at post offices, lunch breaks, etc. The money arrives instantly, immediately after the funds are transferred by the Pension Fund. There is also no need to carry cash in your pocket. You, and only you, will always have full access and control to the funds on the card.

With the Sberbank Pension World card you can connect to Sberbank Online online banking.

You will have access to online payment options:

  1. Utility payments, ( *There is a reduced commission compared to payment at the bank's cash desk);
  2. Payment for cellular communications, Internet, satellite television;
  3. Payment of fines / on real estate, for transport;
  4. Online transfer to other bank clients;
  5. Shopping online and in stores ( Unique technology available MirAccept, as well as the opportunity to participate in various promotions).

Preferential types of deposits and favorable reduced rates on loan programs will also be available.

One-touch payment using Sberbank Pension MIR card

The Maestro social card is an entry-level card and, by issuing it, Sberbank sought to increase the number of its clients and gradually attract citizens of retirement age to use bank cards, thereby covering a new, fairly wide segment of the population. It is simple and easy to use, despite the fact that it has some limitations.

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It should be noted that social cards for the population were developed and issued by Sberbank for the following purposes:

  • reduce queues at Sberbank cash desks (many payments can be made through ATMs or via the Internet);
  • improve the quality of service to the population in , creating comfortable conditions for clients and reducing their time spent on solving financial issues;
  • reduce additional financial costs for issuing and servicing savings books, the relevance of which is gradually decreasing.

Features of Sberbank social cards

Social cards are not much different from other debit cards issued by Sberbank. However, each banking product has its own advantages and disadvantages.

Maestro plastic cards provide the following features:

  1. It is possible both in cash and by non-cash method:
    • carrying cash through payment terminals or ATMs that have a cash acceptance function;
    • replenishing the card at a bank branch through an employee (to do this, you need to give the card number and provide a passport or give the account number and details of the territorial branch of the Bank where the card was issued);
    • replenishing the card by cashless transfer from another debit card of Sberbank or a third-party credit organization (using services, SMS system or through ATMs and payment terminals).
  2. you can withdraw cash from your card at Sberbank ATMs without commission;
  3. You can make cashless payments in various stores, establishments, through ATMs or terminals;
  4. you can carry out various monetary transactions through your phone using mobile applications;
  5. you can activate the “” service, which will allow you to automatically make timely monthly payments for utilities, telephone, Internet, and pay loans;
  6. the connected “ ” service makes it possible to monitor all card transactions via SMS notifications that will be sent to your phone number;
  7. the card is serviced outside the Russian Federation in subsidiary banks in countries such as Ukraine, Belarus, Kazakhstan, Turkey, Switzerland and others.

The Sberbank-Maestro “Social” card can be obtained by citizens who receive a pension upon reaching the appropriate age, either due to the loss of a breadwinner, or due to disability and who have permanent registration in the Russian Federation.

Sequencing:

  1. Contact any nearest Sberbank branch with a passport and a document confirming receipt of a pension.
  2. Write and sign an application in the established form for a social card (bank employees will definitely help you fill out the application correctly).
  3. The card is issued within 10 days after the bank makes a positive decision on the possibility of issuing it. You must pick up the card on the appointed day.
  4. After receiving, you need to contact the Pension Fund at the place of registration and write a corresponding statement that you want to receive your pension on a Sberbank social card, indicating the necessary card details.

Poll: are you satisfied with the quality of services provided by Sberbank in general?

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Advantages of the card

  • Card service is free;
  • Increased interest is charged on the balance of funds on the card in the amount of 3.5% per annum. Enrollment is made every three months;
  • the possibility of issuing additional cards, including a children's card from Sberbank, which is issued to children from the age of 7 with parental permission;
  • the ability to manage your balance via the Internet using the Sberbank-Online system;
  • discounts and special offers from the MasterCard system, which gives savings of up to 12% when purchasing necessary goods;
  • cash withdrawals in Russia and abroad from ATMs of subsidiary banks under the same conditions;
  • the opportunity to participate in the bonus program (10% of purchases made with the card are returned to the account in the form of bonus points that can be spent on new purchases);
  • the ability to connect to the “Autopayment” service for automated payment for housing and communal services, replenishment of a mobile phone and Internet account.

Tariffs for servicing pension cards

  • servicing the main card is free;
  • additional card service – 150 rubles per year;
  • re-issue upon expiration of the term - free of charge;
  • commission due to loss or misplacement of the PIN code - 30 rubles;
  • daily limit on cash withdrawals at cash desks or ATMs – 50 thousand rubles;
  • monthly cash withdrawal limit – 500,000 rubles (for cash withdrawals above the limit, a commission of 0.5% is charged);

Disadvantages of a pension card from Sberbank

The Maestro social card has some limitations:

  • it is serviced in Sberbank branches only on the territory of the Russian Federation (abroad, at ATMs of subsidiary banks, if they exist, you can only withdraw cash and nothing more);
  • card transactions are carried out only in rubles;
  • Only a pension is credited to a card of this type (even if a pensioner works, his salary cannot be credited to the specified social card);
  • the social card is an entry-level card, so it does not have CVV2/CVC2 codes, and, accordingly, it cannot be used to pay for purchases on the Internet (but you can top up accounts and make transfers via the Internet);

This card is intended for pensioners, so the disadvantages described above are not as significant for them as for young people and middle-aged citizens. Many elderly people are unlikely to make purchases via the Internet, especially in other currencies, and besides, few of them continue to work. The main advantages of the card for pensioners are its free servicing, the accrual of interest on the balance at an increased rate, the ability to issue an additional card for relatives at reduced service rates, the ability to track card transactions through Mobile Banking and the ability to make cashless payments in stores. The card is issued easily and quickly, is valid for 3 years, and is serviced at reduced rates.

Sberbank cards for pensioners“Maestro pension Active age”, those Maestros with birds, are no longer produced in 2019. They were replaced by the MIR Pension Card. It is just as beautiful, comfortable and profitable. Let's consider its features, terms of use, cost of service, limits, pros and cons...

The Sberbank MIR pension card is a debit bank card that is intended only for bank clients who are entitled to receive pensions and other social benefits paid by the pension authority.

Who can apply for a Sberbank MIR Pension Card

Citizens of Russia, foreigners, as well as stateless persons over the age of 18 who are eligible to receive a pension can receive a card. Permanent or temporary registration in the Russian Federation is also required.

Sberbank cards for MIR pensioners in 2019

Advantages and disadvantages. Today you can pay with the MIR Pension card from Sberbank only in Russia. This is perhaps the main disadvantage of this card. For some clients, it may also be inconvenient that an additional card is not issued for it. According to the terms of the product, a client can have no more than one valid card.

But there are also advantages. And very significant. Social cards of Sberbank “MIR Pension” give owners access to a whole range of banking services: non-cash payments, transfers, as well as remote account management.

Sberbank MIR Debit Pension Cards are:

  • - Cashless payment for goods and services in stores and via the Internet in Russia;
  • - “Mobile Bank” service, with which you will always be aware of all card transactions in real time;
  • - Account management and loan repayment through remote services “Mobile Bank” and “Sberbank Online”;
  • - Automatic payment for cellular communications, housing and communal services and other services (reduced commission for housing and communal services payments when paying by card compared to payment at a bank branch with an operator);
  • - Non-cash transfer (debit, transfer) at ATMs and self-service devices.

Sberbank MIR pension card: terms of use

See also whether deposits in Sberbank are profitable for pensioners today - review >>

Cost of servicing the Sberbank MIR Pension Card

Pensioners in our country are forced to save every penny, and therefore the issue of the cost of monthly bank card maintenance is very relevant for them. Sberbank took this into account. MIR pension cards are serviced free of charge.

Money can only be charged for mobile banking (SMS notification). For the first 2 calendar months after the card is issued, you can use it for free, and then you will have to pay 30 rubles per month. If the client does not want to pay for SMS notifications, then he has the right not to connect the mobile bank.

You will not have to pay for the next reissue of the card upon expiration. However, if the client loses the card, forgets the PIN code or changes his last name, for example, after getting married, then such an early reissue of the card will cost 30 rubles.

You also need to know that each check of the card balance at ATMs of other banks will cost 15 rubles. So, if you want to find out how much money is left on the card, then check your account at Sberbank ATMs. It will be free.

Sberbank MIR pension cards: interest accrual

The Sberbank MIR pension card gives its owner the opportunity to receive an increased interest on the balance on the debit card, which makes it possible to profitably store savings.

The balance of funds on the account of the Sberbank MIR pension card is accrued:

3.5% per annum in rubles.

Interest is accrued on the balance of funds in the account into which pensions and other social benefits paid by the pension authority are credited if the client receives such payments.

See also the conditions for calculating interest on Rosselkhozbank pension cards

Sberbank cards for pensioners: cash withdrawal limits

If you are going to withdraw cash from the MIR Pension Card, then remember the limits set by the bank.

Within the limit, cash can be withdrawn from ATMs and Sberbank cash desks without commission. For cash withdrawals in excess of the daily limit through ATMs or Sberbank cash desks, a commission of 0.5% of the amount exceeding the limit is charged.

To withdraw cash from a card at ATMs of other banks, you will have to pay 1 percent of the amount, but not less than 100 rubles, and at cash desks - 1 percent, but not less than 150 rubles.

Sberbank social cards for MIR pensioners: how to apply

To apply for a Sberbank MIR debit Pension card you need to:

  • - Contact the Sberbank office;
  • - Provide a passport of a citizen of the Russian Federation and a document confirming receipt of a pension;
  • - Fill out and sign the application form to receive a card.

Why is it convenient to receive a pension on a Sberbank card?

You don’t have to wait for the postman to bring the money or stand in line at the cash register, because you will receive your pension at the moment when the Pension Fund of the Russian Federation transfers it.

You won't need to carry cash with you, which means it won't be stolen from your pocket or bag, or you won't be able to lose it. At the same time, you will always have access to your money on the Sberbank card for pensioners.

How to transfer a pension to a Sberbank card

To transfer payments from the Pension Fund, you need to write an application for delivery of a pension to an account in Sberbank. This can be done in any of the following places:

  • - in your branch of the Russian Pension Fund;
  • - at the nearest Sberbank branch;
  • - at the MFC.

When you go to write an application, don’t forget to take SNILS with you!

How to top up Sberbank MIR Pension Cards

There are several ways for clients to replenish their Sberbank card:

1. Cashless transfer from another Sberbank debit card:

  • - on the Internet using Sberbank Online;
  • - using the Sberbank Online mobile application for smartphones;
  • - from a mobile phone using the Mobile Bank SMS service;
  • - using ATMs or payment terminals of Sberbank.

Now we have to figure out how to get a Mir card from Sberbank. It's not that difficult to do. The main thing is to remember how to act in certain circumstances. "Mir" cards were developed in Russia as analogues of foreign bank cards. And so far they are mandatory only for certain categories of citizens. Over time, it is planned to transfer all citizens of the Russian Federation to work with plastic called “Mir”.

Description

How to get such a card? It's not that difficult to do. Especially if you follow some instructions. But more about them later.

The first step is to understand what the World cards are. This is a banking plastic card created as an analogue. Usually, this card refers to its debit variety.

Using Sberbank's Mir payment cards (almost everyone can receive them), it is possible to pay utility bills, make purchases, receive benefits, pensions and other government payments. In fact, this is a regular debit card.

Design methods

How to get a Mir card from Sberbank? There are several options for the development of events.

Namely:

  • personal registration;
  • order online.

How exactly to proceed? It all depends on the chosen path to solve the problem. Nevertheless, even a schoolchild can cope with this task.

Who is eligible?

Is it possible to get a Mir card from Sberbank? Yes. It is Sberbank that is the leader in the production of the mentioned banking plastic.

But, as a rule, not everyone will be able to get it. Only citizens of the Russian Federation can use this service. The applicant must have temporary or permanent registration in Russia. In addition, only persons who have reached at least 14 years of age can apply to Sberbank for such a card. Without a passport, it is not possible to bring your idea to life.

About service

It is worth paying attention to the fact that Mir bank cards have terms of service. They help to understand how plastic works.

So, the mentioned “document” only works with rubles. It is issued for 3 years. The first 12 months of service will cost 750 rubles, the remaining - 450. The “Thank you” option from Sberbank is already automatically connected to the bank plastic card.

If a citizen decides to connect to Mobile Banking, then he will also have to pay for its service. The monthly payment is 60 rubles.

Similar conditions apply to the World-Standard card. It is intended for individuals. There are also varieties “Budget” and “Pension”. And they are in particular demand among the population. State employees and pensioners must have this plastic.

Online mode

How to get a Mir card from Sberbank? Let's start with a rather non-standard solution. We are talking about ordering online.

To bring your idea to life you will need:

  1. Open the Sberbank website.
  2. Login to your profile.
  3. Go to the "Order a card" section.
  4. Select "World" there.
  5. Fill out the application details.
  6. Submit a request for processing.

All that remains now is to come to the pre-selected Sberbank department with your passport and receive the plastic card in your hands.

Personal design

How to get a Mir bank card from Sberbank? This process is now accompanied by minimal paperwork. Almost every person can bring an idea to life.

If you want to personally apply for plastic, the following instructions will help:

  1. Prepare documents. More on them later.
  2. Write an application for a card.
  3. Contact Sberbank with the relevant papers.
  4. Get your bank card and activate it like a regular debit card.

Fast, simple, convenient. The application form can be filled out on site at a Sberbank branch. It is enough to inform the employees that you want to issue a “Peace” card. A standard form will be quickly brought to you for further filling out.

Documentation

How to get a Mir card from Sberbank? The answer to this question will no longer cause any trouble. After all, from now on we understand how to act in this or that case.

The documents required to obtain bank plastic are minimal. Typically, a citizen is required only to provide identification. Namely, a passport. In addition, they may additionally ask for permission from parents (for minor recipients), as well as a certificate of registration.

For pensioners

How can a pensioner get a Mir card from Sberbank? The algorithm of actions in this case will be exactly the same as when applying for plastic by an ordinary citizen. The only difference is that in such circumstances more documents are needed.

To receive a Mir-Social (Pension) card, you are additionally asked to bring a pension certificate. You need the original and a copy of this paper.

Such plastic, compared to the standard Mir card, has a number of advantages. For example:

  • free service;
  • accrual of 3.5% per annum on the balance;
  • SMS requests to check balance.

Another advantage is that anyone can get such a card. But, as a rule, they are issued without problems only to pensioners. And it doesn’t matter which bank a person receives his pension from.

Waiting times

It’s clear how to get a Mir card from Sberbank. This is a fairly simple task. How long should I wait after submitting a request? How quickly is this plastic made?

As a rule, if you submit an application in person, you can pick up the finished card within 2 weeks. When submitting a request online, the plastic will be issued within 7-10 days. In any case, the operation being studied does not take much time, but you will have to wait.

Where?

In Sberbank! It is difficult to name specific addresses. After all, a similar service is provided in all Sberbank branches for individuals. This means that you can submit a corresponding request to any office of the company. It is advisable to choose a place located near your home. This will make receiving the card as convenient as possible.

Here are a few addresses where Mir cards are issued:

  • Kaliningrad, Leninsky Avenue, building 34A;
  • Moscow, Tverskaya, 22;
  • St. Petersburg, Lomonosova, building 5.

As we have already said, Mir cards can be issued at each Sberbank branch. And not only in this bank. VTB and other large financial organizations also offer a similar service.

Advantages and disadvantages

It’s clear how to get a Mir bank card from Sberbank. This plastic has pros and cons.

Let's start with the advantages. These include:

  • support in Crimea;
  • high level of protection;
  • an alternative to other payment systems.

But judging by the reviews, plastic also has many disadvantages. Namely:

  • lack of support for working with foreign online stores;
  • functional type defects;
  • high cost of maintenance;
  • lack of possibilities for use outside the Russian Federation.

In addition, Mir cards are not accepted everywhere. And this is considered the main disadvantage of plastic.

The MIR payment system is a Russian national payment system created in July 2014, the main goals of which are to create security, uninterrupted operation and accessibility to the provision of all modern financial services to residents of Russia. The founder of NSPK (JSC National Payment Card System) is the Central Bank of the Russian Federation with an authorized capital of 500 billion rubles.

Having our own payment system will provide Russian residents with a payment instrument, the operation of which does not depend on external economic and political factors.

The first MIR cards were issued at the end of 2015, and at the beginning of 2017, 62 banks joined the issuance of MIR payment cards.

How to get a MIR card from Sberbank?

Sberbank began issuing bank cards of the national payment system MIR at the beginning of 2017. At the moment, the bank offers its clients two types of MIR cards - Classic debit card and pension card.

You can get a MIR card at any branch of Sberbank of Russia; unfortunately, online card issuance is currently not possible. To receive a card, you must have permanent or temporary registration on the territory of the Russian Federation.

To receive a classic MIR card, you must have a passport with you, and to receive a pension card, you must additionally have a document confirming receipt of a pension.

  1. Contact any branch of Sberbank of Russia (you can find the branch closest to you on the bank’s official website)
  2. Provide an identification document (for a pension card - additionally a pension certificate)
  3. Sign the application form to receive a MIR card.

Cost of servicing the MIR card in Sberbank

The cost of servicing the Classic MIR card at Sberbank of Russia is 750 rubles for the first year and 450 rubles starting from the second year. Additionally, a mobile bank (SMS notifications) can be connected to the card, which costs another 60 rubles per month.

There is no fee for issuing and servicing the MIR pension (social) card. And the mobile banking service for this type of card costs 30 rubles per month.

The daily limit for free withdrawal of funds from the card is 150,000 rubles per day for a classic card and 50,000 rubles per day for a social/pension card. For cash withdrawals over the daily limit, a commission is charged - 0.5% of the amount exceeding the limit.

The commission for withdrawing cash from a MIR card at ATMs of a third-party bank is 1% of the amount withdrawn and cannot be less than 150 rubles.

Please note that the paid mobile banking service is activated only voluntarily and is not mandatory. If you want to save money, you can connect an economical mobile bank; it is free and differs from a paid one only in the absence of notifications about card transactions.

Advantages of the MIR card from Sberbank

The card is connected to the “Thank you from Sberbank” bonus program, with which you are awarded 0.5% bonuses on any purchases on the card, and up to 10% on purchases from bank partners.

Large limit on withdrawals (150 thousand rubles per day for a classic card, and 50 thousand rubles for a social card)

Possibility to receive a pension on a bank card by concluding an agreement with the Pension Fund of Russia.

A huge network of Sberbank ATMs throughout Russia.

Convenient online banking, as well as the Sberbank Online mobile application for phones based on iOS (iPhone and iPad) and Android.

High degree of card protection, all MIR cards are equipped with a chip. Also, all MIR cards have MirAccept technology, which ensures the security of payments on the Internet.

Disadvantages of the MIR card from Sberbank

The disadvantages of the MIR card include an increased service fee (for public sector employees the service is free), so the cost of annual service is 750 rubles per year (450 starting from the second year), despite the fact that many banks offer free payment cards, for example in the same You can get a free chip card from Sberbank.

Most terminals do not have the possibility of contactless payment, since at the moment modern terminals support contactless payment methods PayWave and PayPass, and for contactless payment using a MIR card to work, owners of PoS terminals will have to convert them to the NSPK chip.

MIR card security

Salary card World

The MIR salary card can be issued to employees of any organization, both budgetary and commercial.

All costs associated with servicing and issuing a MIR salary card to an employee are borne by the employer. Thus, for employees receiving salaries on a MIR card, the card will be absolutely free.

World map for state employees

The State Duma approved a bill (Federal Law No. 161) obliging banks to use only MIR cards for cash payments to pensioners and employees of budget organizations. This law is planned to come into force on January 1, 2018.

In accordance with this law, it is planned to issue MIR cards to public sector employees, pensioners, and students for subsequent transfer of wages, pensions, scholarships, and benefits.

And State Duma Speaker Vyacheslav Volodin proposed transferring all salary accounts of deputies of the Russian Federation to the MIR card.

You can voluntarily refuse to receive your salary on a MIR card, but in this case you will have to receive your salary through the organization’s cash desk.

World map for pensioners

The MIR social card for pensioners is currently issued upon request and is free.

To obtain a card, you must contact any branch of Sberbank of Russia, provide an identity document (passport) and a document confirming receipt of a pension (pension certificate).

The MIR pension card has a number of advantages compared to the classic card:

  • has free service
  • Interest is charged on the card balance (3.5% as of April 2017)
  • preferential SMS notification (30 rubles per month)

How to receive a pension on a card in Sberbank