1. Make a wire transfer from a 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.

2. Deposit cash into your card account at a payment terminal or ATM with a cash-in function
3. Make a cashless transfer of funds to the card account from other accounts, including through third-party banks

   To make a wire transfer, you must specify the details of the regional bank of Sberbank of Russia that issued the card.
   The purpose of payment must indicate your full name; card number and card account number.

   The money will be credited to the account no later than the next business day from the date of receipt of funds at the branch of Sberbank of Russia.

4. Use the special service "MasterCard MoneySend"

   "MasterCard MoneySend" is a convenient and quick way to replenish your Sberbank card account in cash or by wire transfer of money from MasterCard® cards of other banks to any MasterCard® Sberbank card.

   To transfer, it is enough to indicate the number of the card that needs to be replenished.

   Services available:

   On the Internet, for example, on the website of the international payment system MasterCard (www.mastercard.com/ru/consumer/money-send.html);

   At ATMs and self-service terminals that support this service (these can be devices from Sberbank or any other organization);

   Please note: money will be credited to your account almost instantly. In very rare cases, the period may increase up to 3 days.

5. Replenishment of the card at a Sberbank branch with the help of an employee:

   By card number: it is enough to indicate the card number and provide a passport.
   - To the card account number (only in rubles): you must indicate the details of the regional bank of Sberbank of Russia that issued the card, and the number of the account to be replenished.

   Please note: information on completed transactions and the total amount of the balance on Sberbank cards is always available through several channels:

   Sberbank sends a monthly report on the card to your e-mail (if you subscribe);
   - your mobile phone receives SMS-notifications within the framework of the "Mobile Bank" service;
   - in the Internet bank "Sberbank Online" you can independently generate a report for the period of interest;
   - in the contact center of Sberbank of Russia.

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Getting a pension before the mass issuance of social cards was a real hell. Kilometer-long queues at savings banks, shabby passbooks and other delights of the past are still remembered with shudder. But the Sberbank card Maestro "Social" (and later MIR "Pension") solved almost all problems. Now pensioners can withdraw the received pension at any ATM of the institution without creating queues and wasting their time. Or not to shoot, paying for purchases directly from her. But what is a social card and how does it work?

This is a special card that was created by the bank for retirees. It aims to reduce queues to savings banks and the cost of issuing bank savings books. It was based on the Maestro debit card service and had a number of limitations compared to the "full" Visa or MasterCard. The service life of such a card is exactly 3 years from the date of issue. The service is free - they will not take money from the pensioner for the maintenance of the card. At the same time, the re-issue due to the loss of the card itself or the code cost only 30 rubles versus 150 for “full-fledged” cards.

Paid SMS-informing is included - for the first two months of the card operation it is free, then - 30 rubles every month.

Possibilities

The Sberbank social card allows you to use almost all the possibilities available for other bank cards:

• withdrawing money from ATMs and cash desks of Sberbank;
• availability of services "Mobile Bank" and "Autopayment", which will allow the pensioner not to remember about utility bills or payment for a mobile phone;
• pay for purchases provided that the name of the Maestro system is indicated on the terminal;
• transfer and receive transfers through Mobile Bank or Sberbank Online;
• make contributions to the card in any way;
• use the “Thank you” bonuses from Sberbank;
• receive 3.5% per annum on the balance on the card, divided by every 3 months.

Social cards have no restrictions on their use with Sberbank services. They can be used in the same way as any others, in Sberbank Online or through Mobile Bank.

In addition, certain discounts are also eligible for holders of this card at some stores. Often such discounts are provided by pharmacy chains. They are issued to retirees only when paying for purchases or goods by bank transfer and are, as a rule, from 1 to 12%. Naturally, not all offer discounts. And, as a rule, there is an advertisement about it. Or sellers themselves notify pensioners about benefits.

A list of institutions that are ready to provide pensioners with discounts on goods and services using social cards should be posted on the Sberbank website.

Limitations and disadvantages

Naturally, the Maestro card for retirees has some limitations:

• the daily limit for withdrawing money is 50 thousand rubles (if exceeded, a commission of 0.5% of the amount is paid), for receiving - 10 million rubles;
• monthly withdrawal limit - 1.5 million rubles;
• it can only be used at Sberbank ATMs within Russia;
• outside the Russian Federation, the card works exclusively at ATMs of subsidiaries;
• all operations are carried out only in rubles - foreign currency is out of the question;
• CVV2 / CVC2 codes are missing, which makes it impossible to pay for goods and services on the Internet;
• if a pensioner still goes to work, he will have to get a separate card for his salary, since this salary cannot be transferred.

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It is impossible to do without them, since this is an entry-level card. She may be capable of some additional services. But Sberbank restricts any features that could hurt retirees when used.

Naturally, there are certain disadvantages - the card is often impossible to use in rural areas, and some pensioners are unable to use ATMs and terminals due to physical restrictions. However, the ongoing process "Bankruptcy" all settlements of the Russian Federation and the help of relatives or bank employees can solve these problems.

Who is supposed to

A social card was issued to everyone who received a pension for old age, disability and other reasons. All pensioners and beneficiaries of benefits were issued a card of the same type, since Sberbank does not have others.

At the same time, the recipient had to have not only a pension certificate. In order to receive a card, a citizen must meet the following criteria:

1. Age - 14 and over;
2. Availability of the right to receive a pension - a pension certificate;
3. Russian citizenship - a passport of the Russian Federation;
4. Registration in the region of registration or an individual decision of the bank.

As a rule, the card is issued within 7-10 days from the moment the bank approves the pensioner's application. Roughly speaking, it will take about two weeks to wait. Then you can use all the possibilities of plastic.

Additional card

In addition to the main Maestro card, the pensioner has the right to request additional ones. They are issued in the names of other people who will be indicated by the recipient of the main card. To do this, the pensioner must write an application at the office where he received the main card. You will have to pay for each additional card. Service price - 150 rubles per year.

Using an additional social card will help in many cases. For example, if a pensioner is often ill or is not able to take care of himself, his children, grandchildren or attendants will be able to purchase the necessary food and medicine for the holder's pension. You can also ask to issue these cards to those to whom the pensioner is ready to transfer money - for example, grandchildren.

At the same time, the issuance of additional cards could be carried out only if the recipient of the card is 14 years old and older, or 10 years and older, provided that there is a close relationship with the holder of the main card or trusteeship on his part. If this is not the case, then the written consent of the legal representative - the parent or guardian of the child is also required.

How to get a Sberbank Social Card

Unfortunately, at the moment it is not possible to obtain an Active Age Maestro card. It has been discontinued since May 1, 2017. Instead, Sberbank offers to issue a MIR pension card.

Read also:

Previously, to receive a card, you had to:

1. Find a branch through which the recipient of the pension will be comfortable working with Sberbank;
2. Come to the office, taking your passport and pensioner's ID with you;
3. Write an application for a card;
4. After receiving the card, go to the Pension Fund;
5. Write an application for calculating a pension to a card account opened with Sberbank, taking with you, in addition to the necessary documents, the card details.

At the same time, some branches of the bank independently sent documents to the FIU, without forcing the pensioner to go there as well. In addition, no down payments and a bunch of additional services are required.

Activation

It's not enough just to get your hands on the plastic. First, you need to activate the social card in order to use all its capabilities. This is done at an ATM.

Activation procedure:

1. Insert the received card into a Sberbank ATM;
2. Enter the PIN code from the card (as a rule, it is chosen by the pensioner himself or indicated in the envelope that was issued with the card);
3. In the main menu, click on the button "Request balance";
4. Then poke into "Display balance on the screen";
5. Remove the card from the ATM after displaying information.

If you cannot do this procedure yourself, you need to come to the Sberbank office and ask the operator to do it instead of the owner.

What is pension card MIR

She replaced Maestro Social, and is now issued everywhere in her place. In terms of its functions, it is not much different from its predecessor. From the previous version - the inability to issue additional cards for relatives and a complete ban on cash withdrawals abroad, even in subsidiary banks.

In fact, Sberbank simply transferred cards from Maestro to the national payment system MIR, than it was able to carry out import substitution (earlier, pension cards were issued by a subsidiary company MasterCard).

Non-cash payments using plastic cards are actively included in the modern payment system. They can pay for a purchase in a store, utilities and other payments, top up an account on the phone. Payments are made via the Internet, ATM or terminal. Payment cards are issued by Sberbank of Russia and other banks, but with a large number of cards offered by banks, not everyone understands how they differ from each other.

To understand how VISA cards differ from Maestro Sberbank, you need to know that there are two electronic payment systems - VISA and MasterCard. Each of them produces its own types of product. The first is a multinational corporation headquartered in the United States. The annual turnover of the company's cards exceeds 6 trillion US dollars.

The company develops new technologies that are used by thousands of financial institutions. Plastic cards of this company are issued and accepted for payment in many countries.

Sberbank of Russia issues several types of such cards, including cards for receiving pensions and social benefits, as well as student cards, which are issued to pupils over 14 years old, students and graduate students of educational institutions. In addition, such cards are used to pay wages. Each year, you need to pay about 300 rubles for their maintenance.

The Maestro card belongs to the MasterCard payment system. It is an electronic debit card and can be used in outlets where the cards are accepted for payment. This is one of the simplest cards and cannot be used to pay for services abroad, as well as purchases on the Internet.

We can say that VISA and Maestro have different definitions. The main difference is that the first is a payment system with its own financial instruments, and the second is a card that belongs to the MasterCard system. In Russia, the VISA system is more in demand, and the analogue of the Maestro card is the electronic card of this VISA Electron system. The company logo is always on the front of the card.

Features of VISA and MasterCard cards

As noted above, VISA is a payment system controlled by a US multinational company. She was the first to start developing electronic payments. Her cards are in demand in over 200 countries. Operations on them are carried out in US dollars, and the technologies developed by the company are used by more than 20 thousand financial institutions.

In Russia, VISA plastic cards began to be used 30 years ago, the first organizers were representatives of Intourist JSC, and the first bank to become a member of the VISA corporation was Sberbank of the Soviet Union.

The international payment system MasterCard was formed as a result of joint activities of the American company of the same name and the European organization Europay International. The headquarters of the corporation is located in the United States, and the European representative office is in Belgium.

This system is used by financial institutions in 210 countries, and activities are carried out in 5 regions of the world. In addition to the North American region, it serves users in the European, African, Pacific, Latin American and Caribbean regions.

At the end of 2012, the MasterCard system was officially registered in Russia, and Sberbank of Russia became the main settlement center. The currencies that MasterCard works with are both the US dollar and the euro.

With the help of cards of both systems, you can pay for purchases on the Internet, make money transfers, make transactions with a bank account.

Comparative characteristics of systems

Not a single bank representative will be able to give the correct answer which card is better to use. Both are international, and while VISA accepts payments and converts currencies in US dollars, MasterCard conducts transactions in both US currencies and euros. At the same time, a bank account can be opened in any currency, but when calculating or transferring money, it will be converted at the rate set by the bank.

The conversion rates of both systems are almost the same, but in the VISA system it is always open, and in MasterCard it can be recognized after the transaction. In addition, the bank may charge additional conversion fees. Due to this, Sberbank of Russia receives more profit from operations with VISA cards than using the same procedures with MasterCard.

If we compare the market coverage, then VISA cards make up about 28% of all issued plastic cards, while their competitor makes up about 20%. Both companies issue credit cards and debit cards that are linked to a bank account or prepaid limit.

To travel abroad, Russians are better off applying for a VISA card if they travel to North America, and in European countries it is better to use MasterCard cards.

It is worth noting that VISA has more ATMs installed, but MasterCard owners will also always find the opportunity to pay for purchases or get cash, and many ATMs serve all cards.

Constant queues at the bank and at the post office, as well as other restrictions, are increasingly pushing retirees to change the way they receive money for a more modern one. The simplest and most convenient solution in this case is a debit card.

With its help, you can withdraw cash from an ATM without queues and at any convenient time. Also, when using a non-cash payment, it is also possible to receive additional bonuses according to the terms of the loyalty program.

With all the variety of banks and their products, it can be quite difficult to decide. The best choice would be a Sberbank pension card. Using the product is not only convenient, but also beneficial. The use of this plastic can simplify the life of even the most conservative elderly people.

What are bank cards?

A bank card is a means of payment that provides access to funds in a current account. It is a kind of key for quick access to finance without going to the bank.

They are most often used for:

• carrying out cashless payments;
• making payments over the Internet;
• transfers between individuals;
• cashing out funds.

Pension cards have additional privileges and opportunities. Some of them support: special bonus programs, cash back (return of part of the spent funds to the account), etc.

In general, all cards are divided into the following groups:

• (you can use only your own funds);
• credit (allow you to use the bank's money according to the established limit);
• overdraft (allow you to use both your own finances and bank funds).

Benefits of a pension card

To receive a pension, you can use a card of any bank, provided that it is a debit card. Cards with a connected credit limit or overdraft cannot be used to calculate any social benefits.

However, a reasonable decision would be to give preference to special offers for retirees. Such cards have free annual maintenance, and the very conditions of using the product for pensioners are also much more profitable than for ordinary ones.

Sberbank pension card

The largest bank in the country offers its clients, who wish to receive pension and social benefits, a special product. This is a Sberbank card for Maestro pensioners with special conditions of use.

The product belongs to the MasterCard payment system, or rather, to the separately allocated Maestro service. You can use this means of payment on any terminal that has a designation corresponding to the payment system.

The pension card is currently issued in two design variations. The first is a plastic containing an image of daisies against a green background. In addition, the bank has recently launched the production of cards with a new design. The plastic shows a birch branch with birds sitting on it.

Choosing such a large bank has a number of advantages for clients. Firstly, Sberbank has a wide network of ATMs, terminals and branches. Therefore, withdrawing cash and resolving any issues will not be complicated by finding a branch.

Secondly, the number of Sberbank users is partly due to the possibility of making free and fast transfers between accounts.

Thirdly, Sberbank is a reliable and safe bank, with which you do not have to worry about a possible revocation of a license or bankruptcy.

Conditions for obtaining

Maestro's Sberbank card is issued without much difficulty. To submit an application, you do not need to collect a large package of documents or provide a certificate in the form of 2-NDFL.

The main conditions are:

1. Russian citizenship. Also, registration is available for stateless persons, provided that they have the legal right to receive pension payments.
2. Registration at the place of residence. In this case, both permanent and temporary registration on the territory of any constituent entity of the Russian Federation are suitable.

Sberbank cards for pensioners are opened upon submission of a number of documents. These include:

• Passport of a citizen of the Russian Federation or a document replacing it (passport of a foreign citizen, passport of a stateless person).
• A document confirming the status of a pensioner. In this case, the most common is a pension certificate.
• Application for receipt. It is filled out together with the bank employee during the visit to the branch.

It should be noted that the card can be issued and received at any branch of Sberbank. In addition, it is possible to submit an application in one branch, and pick up the finished plastic in any other branch in the region.

In order for the pension to be credited to the account attached to the plastic, you must contact the Pension Fund with the details of this product.

Based on the application, employees will make appropriate changes to the procedure for calculating funds. Usually, the next payment goes to the card account, instead of the usual Savingsbook or post office.

Additional benefits of retirement cards

Sberbank's social card for retirees not only provides an opportunity to withdraw cash through an ATM and carry out non-cash payments, but also has a number of additional advantages.

Let's list the most significant benefits and advantages of the design of this product:

1. Free registration and no annual maintenance fee. The bank provides a means of payment absolutely free of charge and without hidden fees. The only thing that an employee can offer is card account insurance. This service is chargeable and optional. Imposing it on a pensioner is contrary to the current legislation.
2. Assumes the accrual of interest on the balance of funds. The current rate is now 3.5% per annum. This is significantly lower than the rate on deposits, but more than charges on classic cards for individuals. once a quarter.
3. The main owner can set a monthly limit of available finance for the holder of the additional payment instrument.
4. Free access to the Internet banking system Sberbank Online. The personal account is easy and understandable, even for those who have never encountered such systems. A wide range of options allows you to perform many operations without leaving your own home. You can make transfers, pay for utilities, open deposits, pay taxes - all this and much more can be done using Sberbank Online. To gain access to the account, you should take a password when using any ATM or terminal.
5. Mobile bank. The use of this service is paid. The monthly cost of the service is 30 rubles. Mobile Banking provides detailed information about all account transactions. It is a reliable means of control and a method of additional protection. However, if you don't want to pay for it, you can use the free version. The "Economical" package does not imply sending SMS about changing the card balance, but supports the receipt of codes for entering your personal account, where the balance can be tracked manually.
6. Bonus program "Thank you". All cards of Sberbank take part in it. In order to become a member of the program, you need to activate the service in the terminal. If the Mobile Banking service is active, you can send a message to number 900 with the word "Thank you". Also, the connection is available in Sberbank Online, in the "Thank you from Sberbank" section. The client will receive bonus points for each purchase using a non-cash payment. You can spend them with partner stores. One point is equal to one ruble.
7. Cash pick-up in select countries with no additional fees. We are talking about withdrawing money from ATMs of subsidiary branches. Such opportunities are available in Kazakhstan, Ukraine, Belarus, the Czech Republic and some other European countries (the full list can be viewed on the bank's official website).
8. Activation of the "Autopayment" service. Allows you to set automatic regular payment of utility bills, taxes, fines, loans,. Free of charge. Funds are debited on their own, checks can then be printed. Allows you to keep under control transfers in favor of mobile operators. It is possible to set payment for the number when the balance drops below a certain threshold or at a selected frequency.

Disadvantages to be aware of in advance

The Maestro pension card issued by Sberbank has a number of restrictions related to its status. They should be taken into account when selecting a suitable banking product:

1. It is not always possible to use the Internet to pay the bill. Classic Visa and MasterCard cards have a 16-digit number. Plastic linked to the Maestro service, has 18 signs. This can limit the work with a number of resources that carry out cashless payments online. However, in this case, you can make a transfer via Internet banking.
2. Limited use abroad. When leaving the territory of Russia, in some cases, plastic becomes useless. This is also due to the peculiarities of the payment system.
3. Unable to connect overdraft. If there is a need for additional cash, you will not be able to borrow it from the bank. Only the use of own funds is supported.
4. Available only in rubles. It is not possible to open an account in euros or dollars for social benefits. If you need a currency account, you will have to make a separate plastic.
5. You cannot add wages to this account. It is also impossible to use it within the framework of a salary agreement.
6. Does not support 3D-secure technology. It represents the receipt of a special code on a mobile phone number when trying to pay by bank transfer.

Precautionary measures

Many retirees believe that using cards is more dangerous than using cash. However, it is not. In case of loss, plastic can be easily blocked without financial risk, unlike a wallet. It is important to observe the following rules:

• not to tell anyone the PIN-code, not to write it down and not to carry it with the card;
• not trust people who call and introduce themselves as bank employees;
• do not leave plastic unattended;
• do not enter data on unfamiliar and suspicious sites;
• cover the buttons with your hand when entering the PIN code, even if there is no one nearby.

Choosing the right means to receive your pension is a guarantee of safety and convenience. Using modern banking products frees up time and energy for the really important things. A competent bank specialist will be able to choose a suitable option and give recommendations for use.

The Maestro social card is an entry-level card and, by issuing it, Sberbank sought to increase the number of its customers 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 the cash desks of Sberbank (many payments can be made through ATMs or via the Internet);
• improve the quality of service to the population, creating comfortable conditions for clients and reducing their time spent on solving financial issues;
• to reduce the additional financial costs for the issuance and maintenance of passbooks, the relevance of which is gradually decreasing.

Possibilities 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 options:

1. you can, both in cash and by cashless method:
   • carrying cash through payment terminals or ATMs, which have the function of accepting cash;
   • replenishment of the card at a bank branch through an employee (for this you need to name the card number and provide a passport or name the account number and details of the territorial branch of the Bank where the card was issued);
   • replenishment of the card by wire 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 the card at Sberbank ATMs without commission;
3. you can carry out non-cash payments in various stores, establishments, through ATMs or terminals;
4. you can carry out various monetary transactions through the phone using mobile applications;
5. you can connect the service "", which will allow you to automatically timely make monthly payments for utilities, telephone, Internet, pay loans;
6. the connected service "" makes it possible to monitor all operations on the card through SMS notifications that will come 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 territory of the Russian Federation.

Sequencing:

1. Apply to any nearest branch of Sberbank with a passport and a document confirming receipt of a pension.
2. Write and sign an application of the established form for registration of a social card (bank employees will definitely help you to 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. On the appointed day, you need to pick up the card.
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 the social card of Sberbank, indicating the necessary card details.

Poll: are you satisfied with the quality of services provided by Sberbank as a whole?

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Benefits of the card

• card service is free;
• on the balance of funds on the card, an increased interest rate of 3.5% per annum is accrued. 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 saves up to 12% when purchasing the necessary goods;
• withdrawing cash in Russia and abroad from ATMs of subsidiary banks on the same terms;
• 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 mobile phone and Internet accounts.

Service tariffs for pension cards

• maintenance of the main card is free;
• additional card service - 150 rubles per year;
• reissue upon expiration of the term - free of charge;
• commission due to loss or loss of the pin code - 30 rubles;
• daily limit for cash withdrawal at cash desks or ATMs - 50 thousand rubles;
• monthly limit for cash withdrawals - 500,000 rubles (for cash withdrawals in excess of 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 served in Sberbank branches only on the territory of the Russian Federation (abroad in ATMs of subsidiary banks, if any, you can withdraw only cash and no 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 initial type card, therefore it does not have CVV2 / CVC2 codes, and, accordingly, you cannot use them to pay for purchases on the Internet (but you can replenish accounts and make transfers via the Internet);

This card is intended for pensioners, therefore, 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 service, interest on the balance of funds at an increased rate, the ability to issue an additional card for relatives at reduced service rates, the ability to track card transactions through the Mobile Bank and the ability to carry out non-cash payments in stores. The card is issued easily and quickly, the validity period is 3 years, it is serviced at reduced rates.