The Maestro salary card from Sberbank is a debit card and is quite popular among the population of the country. The application for its registration is submitted personally by the client or the head of the organization from which the salary will be calculated, but in any case, in order to receive the card, you must personally appear at the bank and go through the paperwork procedure. To do this, you must have a passport with you and be over the age 18 years.

Using the Maestro card, you can replenish and cash out an account without interest, pay in online stores and monitor balance changes using the Mobile Bank application or directly on the Sberbank website.

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In addition, there is a special program "Thank you from Sberbank", aimed at accumulating bonuses and subsequent activation of discounts.

Peculiarities

Sberbank offers several Maestro cards, aimed specifically at the target audience - students, retirees, employees of firms and organizations. Since this type of card is the lowest in its hierarchy, it is completely safe in terms of withdrawing cash - a negative balance is impossible.

The Maestro salary card from Sberbank differs in that the funds for it come from the employer. Most employees appreciated the transition from cash to a plastic card, because it eliminates most of the inconvenient moments: queuing at the checkout, waste of extra time, a special visit to the workplace to receive a salary, if we are talking about a shift work schedule.

Receiving the earned money at the nearest ATM of Sberbank (it should be noted that the Maestro card is accepted only by the ATM in which bank it was issued) or direct payment in the store by card solved this problem.

There is more than enough basic functionality for holders of salary cards, which is why Maestro is so popular among various social strata of the population.

The main functionality of Maestro's salary cards from Sberbank

Since the Maestro's salary card is social, there are some restrictions on its use - withdrawal of funds for an amount not exceeding 100 thousand rubles per day and use only Sberbank ATMs. However, this practically does not affect the majority of the owners of these cards.

In all other respects, the Maestro card is not inferior in functionality to the rest of its plastic counterparts and has a number of functional features:

• registration and subsequent servicing of the card is absolutely free;
• the possibility of registration and use of the card with 18 years;
• no additional documents are required to obtain a Maestro card - an application and a passport are enough;
• cash withdrawal at any Sberbank ATM without interest;
• the ability to make purchases in any stores in the country where non-cash payment is provided;
• full control over the replenishment and expenses of the card using a mobile application and directly on the Sberbank website through a personal account;
• SMS-informing about the withdrawal and receipt of funds;
• the ability to accumulate funds on the card account without paying additional fees;
• no payment for issuing a card after the expiration date;
• no commissions for transferring funds from a Maestro card to another account or a Sberbank card.

Money transfer

Transferring funds is a rather important and demanded service, which is also used by holders of Maestro's salary cards.

There are several ways to transfer money between cards and account:

Remote finance management

It is possible to manage the funds on the Maestro card using the Internet or SMS commands.

In the first case, access to your personal account in the Sberbank Online system is provided, where you can perform the following operations:

• see the account and card balance in real time;
• transfer funds to Sberbank clients;
• top up your mobile phone, internet provider, cable TV account;
• pay traffic fines;
• pay utility bills;
• repay loans.

In addition, it is possible to set up automatic payments when, on a certain day of the month, the required amount will be debited towards a particular service. User participation is no longer required, however, in order to make an auto payment, the card must have the required amount for debiting.

The mobile application from Sberbank also refers to remote access with a Maestro card and has almost all the same functions as Sberbank Online.

Remote access to the card can be carried out by sending SMS commands to the number 900. With this, you can pay a mobile phone bill, transfer funds to the card to another client of Sberbank, find out the personal balance of the card. The full list of teams and services must be checked with the operators at the Sberbank branch.

Replenishment

The Maestro salary card is replenished automatically by the employer at a time to all employees. However, it is possible to deposit funds to her account independently for various needs.

There are several ways to do this:

Additional operations

In addition to the implementation of standard procedures on the card, there are a number of additional ones:

• The ability to connect or disconnect a mobile bank, which informs about expenses and receipts of funds via SMS notifications. The service is quite convenient, but it has a small subscription fee. If necessary, you can refuse it by filling out an application at a bank branch or through your personal account in Sberbank Online.
• Participation in the "Thank you from Sberbank" program is an accumulation of bonuses that can later be spent on discounts when paying for goods and services in online stores.
• Security of transactions on the Internet - when paying for a product or service, the system always asks for an additional code that comes to the linked phone number of the cardholder.
• The possibility of remote access to the card via the Internet, making almost any payments, and also there is a function of closing the card, if for any reason the need for it disappeared.

Online shopping is attracting more and more people. The buyer selects goods or services and indicates his data. It is not difficult to indicate your name, surname, delivery address. But if the purchase is paid for with a plastic card, a lot of difficulties can arise. What data, in addition to the card number, do I need to enter?

CVV2, CVC2 - bank card verification codes used for payments on the Internet. The MasterCard payment system uses the CVC2 code, Visa - CVV2. Maestro refers to the MasterCard payment system, but does not have the CVC2 code. These codes are needed to conduct transactions on the Internet, when it is impossible to confirm the authenticity of the card and its belonging to the user.

So, when making a purchase on the Internet or by phone, they offer: "Enter the CVC2, CVV2 code." How do you know which data to enter?

CVC2 or CVV2 codes are located next to the cardholder's signature, on a white field, on the back of the plastic card. These codes are three-digit. If there are 7 digits on the back, then CVC2 - three final digits; the previous four duplicate the last digits of the card number on the front side.

It is undesirable for the CVV2, CVC2 card codes to be known to third parties. Stores do not store these codes when paying for an online purchase. To confirm that the card is genuine, the buyer is only required to enter the CVC2, CVV2 code once. Maestro does not provide such a code.

Maestro is an international service for debit cards of the MasterCard system. Historically, in Europe and the USA, these cards do not require electronic authorization and do not have the CVC2, CVV2 code. It is not on the Maestro card, so it was not originally created for making online payments. However, this does not mean that Maestros are not adequately protected.

The security code for these cards is MasterCard SecureCode. Sites that support the 3-D Secure protocol automatically send a request to the bank that issued the card to pay for the purchase.

In this case, a window opens in front of the buyer, offering to enter the verification code. There are different ways to get the code:

• it is sent by the bank via SMS after receiving a request from the online store;
• it is set as a separate pin code for online purchases at the time of receiving the card or later, at the request of the client;
• you can get it by check from an ATM.

The number of banks that mandatorily use the 3-D Secure protocol is constantly growing. There are banks that have completely refused to confirm transactions with CVC2, CVV2 codes, and have switched to using MasterCard SecureCode and Verified by Visa codes (analogous to the Visa payment system). The number of online stores accepting 3-D Secure codes is also increasing.

What to do if you want to buy an item on the Internet, but you only have a Maestro card at your disposal?

• It can be attached to the same account as the Maestro card, then you can pay for purchases for the entire amount of the balance. This card must be of no lower class than MasterCard Standart or Visa Classic.
• This can be a card linked to a separate account. The cardholder transfers the required amount to it before making a purchase. Thus, after the purchase, there will be no money left on the card that could be used by fraudsters.
• Virtual cards are becoming more and more popular when paying for purchases via the Internet. They do not have a physical medium, but in fact represent only information: card number and CVC2, CVV2 code. How do you recognize him? You need to contact the bank support service.

The advantage of this type of cards is the short term for obtaining the details (from a few minutes to two days when using Internet banking). After completing the transaction, the "card" can be left for future purchases (the validity of the details is usually 1-3 months), or it can be blocked.

Such "disposable cards" completely exclude data compromise when shopping on the Internet. Even a Maestro cardholder will be able to pay online for goods and services by transferring the required amount to a virtual card.

The Maestro plastic card has become a very popular tool for cashless payments. Often, Sberbank issues such cards to holders of pension deposits. However, many users still ask themselves the question: Does the Maestro belong to the "Visa" or "Mastercard" payment system?

We will answer right away: Maestro belongs to the MasterCard system and has an international status.

By purchasing the Maestro, you get a debit card of the simplest level. It gives the owner access to the non-cash use of personal funds. Having issued a card, you can make money transfers, pay for purchases and manage your account through your personal account in the Sberbank Online system.

Another popular question of the bank's clients: how much does the annual service of the Maestro card cost? It is considered a budget product. The annual service fee does not exceed 300 rubles. The product is given out to pensioners free of charge.

Like most similar products, the Maestro debit card lasts for 3 years. After this time, you should reissue.

Each variation of a banking product has unique properties. We will consider them in this article.

Features and Features

The possibilities of the Maestro Sberbank card are quite extensive. Despite the fact that the card is a budget option, it supports all standard operations.

This means that after issuing a card, you will receive the following opportunities:

• Independent choice of currency for storing funds.
• The advantage of remote account management via Mobile Bank or Sberbank Online.
• Customer loyalty system.
• Withdrawing funds from ATMs of Sberbank of Russia and other financial systems. However, when withdrawing money from ATMs of third-party organizations, a commission will be charged from the holder.
• Cash withdrawals abroad at ATMs that cooperate with Sberbank.
• Transfer of funds between accounts.
• Using the "Auto Payment" option, which allows you to automatically replenish your cell phone account or pay for utility bills.
• Cashless payment for purchases both on the territory of our country and abroad.
• Payment for purchases via the Internet.

Among the features of the Maestro card, the following are worth highlighting:

• As an instant delivery product, it is not always personal. However, on salary and pension cards, the name and surname of the owner must be indicated without fail.
• Individuals under the age of 14 cannot open their own accounts.
• The card number consists of eighteen numbers.
• Any transaction requires authorization by entering a pin code.
• The Maestro Sberbank debit card, issued before 2014, did not have a security code such as CVV2, CVC2, which must be used for online payment. The security of this type of cards was ensured by the Secure Code system. Today, depositing funds for the purchase of goods via the Internet is hardly possible without entering the CVV2, CVC2 code.
• Within thirty days, you can withdraw no more than 500 thousand rubles. The daily limit is only 50 thousand rubles.

What the map looks like can be seen in the photo below:

Maestro, Visa or Mastercard: which to choose?

Most owners are usually not aware of the differences in payment systems. The selection of banking services is based on superficial knowledge about the main features of each card. In fact, there are a number of differences between payment systems. Let's consider them in more detail.

Differences between Maestro and Mastercard. Mastercard is an international payment system that operates in most countries of the world. The system includes several brands. In other words, Maestro is one of the services of the Mastercard system, which appeared in the nineties. Whereas the system itself was formed in the late 70s. Authorization of payments on the Maestro card in Sberbank is carried out only during online transactions.

Other services allow offline authorization or voice confirmation. The first option implies instant confirmation of the payment: the necessary funds will be withdrawn from your account, and information about their debiting will be delivered to the bank at the end of the working day. Voice authorization is a confirmation of payment by a cashier over the phone. He contacts the bank security service and confirms your payment. This service is not new and is outdated. However, in some cases it is still used today.

Differences between Visa and Maestro. Visa, by analogy with Mastercard, is a payment system that consists of many brands. Visa or Mastercard - it's up to you to choose. However, it should be noted that in the Visa payment system there is also a card that is analogous to Maestro - this is Visa Electron. Unlike the Maestro, the Visa card has a number of 16 characters. Visa Electron allows you to pay for goods without entering a pin code.

The visa is used to exchange currency for dollars. While the bank card of Maestro Sberbank is in euros.

With the Visa card, you can pay for purchases on the Internet. This option is managed by the bank. Online purchases with Maestro will only be possible if you have options such as access to PayPal enabled.

As you can see, there is a difference. Bank employees will help you decide which option suits you best.

How to register?

In order to become the owner of a Maestro Sberbank plastic card, you must meet certain banking requirements. The main one is that you must be a citizen of the Russian Federation at the age of fourteen. From the documents you only need a passport.

How do I get a card? This can be done in two ways:

Most often, the Maestro card is issued in order to receive various types of payments. For example, it can be a salary or. However, in some cases, it becomes necessary to replenish the account using cash.

In these situations, they resort to such methods of replenishing the balance as:

• Transfer of finances from one account to another using electronic services.
• Transfer from plastic of another bank.
• Balance replenishment using an ATM or terminal.

In addition to the question of replenishing the card, it may be necessary to detail the movement of funds. Such information can be obtained through electronic services, or by ordering a monthly distribution of the report. This service is usually free.

Maestro's Sberbank card is a very popular product in our country. In order to personalize it as much as possible, the bank produces several types for different segments of the population. You can often even find a photograph of the owner on social cards.

If you are planning to go on a well-deserved rest or you need to get a bank card to transfer benefits (or other payments) to it, then the free social card of Sberbank of the national payment system MIR will be a good choice. Its full name: Pension card MIR of Sberbank (cards of the Maestro payment system have already ceased to be issued by the bank), and the likelihood that you will receive it is very high. And this is not surprising, well, where else will a person go if the bank's branches are located literally everywhere, and, as a rule, it is this card that is recommended to be received by pensioners or mothers who have just given birth.

Unfortunately, information about this product on the official Sberbank website is incomplete, so our detailed review is designed to eliminate this drawback and give the most complete description of the social card for pensioners, its advantages and disadvantages, as well as other nuances of use. Reviews from the holders of this popular and well-known banking product will only complement the information presented below.

Advantages and disadvantages of a social card

Let's start the review by describing the main advantages and disadvantages of the card, many of which we will also touch upon during the review.

Advantages :

- Free service and registration;

- Free automatic re-release: regular and early (except in some cases). Thus, once you get a social card, it becomes yours forever (!);

- Cashless payment in the Russian Federation and abroad without commissions (i.e. payment by card in shops and retail outlets). In principle, it is possible not to write about this, since non-cash transactions when paying for goods and services for the holder of any bank card are carried out with a commission of 0 rubles;

- Withdrawing cash at any ATM and at the cash desk of Sberbank throughout (!) Russia within the daily limit is free! Accordingly, replenishment and transfers to the accounts of one's / another's cards within the city are also not subject to commission (all the nuances in the review);

– Accrual of 3.5% per annum on the balance on the card account y (based on the results of every 3 months from the date of opening). A little bit, but nice! Even a small fixed amount on your account can more than cover paid services, for example, SMS informing;

- Possibility to issue an additional card (except for cards with PS MIR) tied to the main account (including for children from 7 years old) - a paid service.

Disadvantages (albeit insignificant for citizens of the Russian Federation):

- The Maestro card number consists of 18 digits (there may be problems when paying in online stores where the payment form contains only 16 characters), the card number with the MIR PS already contains 16 digits;

- The terminal at the point of payment must accept cards of the MasterCard Maestro, MIR payment system (look for the corresponding logo). In large chains and stores, there is no problem with this, they will accept payment;

- Cash withdrawals are possible only in Russia;

- It is possible to receive only for pensioners and for the enrollment of social and other payments, although some managed to simply take and issue this social card;

- For recipients of benefits (for example, for pregnancy), the deposit function does not work (charging 3.5% on the balance of funds). This information requires additional verification.

- Cannot be used as a payroll. This is information from the official website, but according to some reviews, people still managed to do it (they transferred card details along with an application to the accounting department and salary was perfectly listed)

As you can see, even from a short list of advantages, this banking product is just a gift for an ordinary person with no complaints. Next, let's talk about it more specifically.

How and where to get. Recipient requirements

A citizen of the Russian Federation from 18 years old can apply for a social card of Sberbank MIR, with permanent registration in the region where the card is issued (without permanent registration - an individual decision), who has the right to receive a pension.

For reference, the term pension is quite extensive (from Latin - pensio), denoting a regular cash benefit paid to persons of retirement age, disabled people, people in the event of the loss of a breadwinner.

In the case of Sberbank, according to reviews and official information, a person can receive a Pension card in the following cases:

• Receives an old-age pension;
• Is an honorary donor;
• For social benefits (for example, maternity leave benefits);
• To return a part (compensation) of utility bills for large families;
• Receiving compensation for paying for the municipal kindergarten;
• Refund of income tax (personal income tax) at a rate of 13% is possible for property and social tax deductions (apartment, education, etc.);
• Receipt of EDV (monthly cash payments) by people with disabilities.

If you have experience in designing a card under other circumstances, be sure to write about it in the comments - for a more complete picture. In fact, only the reviews of the holders of this card allow you to get full information about it.

So, if you find your case in the above list, then go to the nearest Sberbank branch with a passport and a document confirming receipt of a pension (pension certificate, certificate of a disabled person, etc.), where you will be given an application form. After observing all the formalities for filling out the questionnaire, you just have to wait from 1 to 3 weeks, after which you will be notified by SMS about the readiness of the card. Come and get it.

By the way, we remind you that you can choose the PIN-code yourself after issuing the card to your hands - an additional step of the bank towards the client!

It will be better if you decide in advance what tariff for the Mobile Banking (MB) service you need: Full package (30 rubles per month for SMS-informing for each operation) or Economy package (free, but no SMS info). We recommend that you familiarize yourself with more details about this service, but I would like to say this. You will need an MB in any case if you need access to the Internet bank (an economical package is enough), and SMS-informing will ensure your safety - at least you will immediately learn about any card transaction. This will allow you to take action in case of theft (anything can happen), and it will not hurt to control the cashier during the payment. And 30 rubles, as we noted earlier, will cover 3.5% per annum.

After receiving the plastic, it is necessary to transfer the details of the card account to the organization paying the pension. If this is a pension fund, then the bank will do everything for you - check it on the spot!

Sberbank pension card. Conditions and rates

So what does a person get in his hands, becoming a holder of a social card for pensioners from Sberbank, except for an account with free service, for which once a month a certain amount drips (the account currency is only rubles). Let's figure it out.

So, the validity period of this personalized budget card is 3 years, after which it will be automatically reissued for free for its owner (just visit the branch, and you will be given a new plastic according to your passport). If you lost it, or changed your personal data (name or surname, which are printed on the front side of the plastic), then you will have to pay 30 rubles for the reissue.

On the "board" of the plastic there is a chip together with a magnetic stripe - this is only a plus, earlier cards were issued only with a magnetic stripe. In any case, upon re-release, they are now issued with a chip.

If you want to withdraw money, you can do it WITHOUT COMMISSION through the cashier or ATM throughout the entire territory of the Russian Federation. The daily limit both here and there is 50 thousand rubles (in total, you can withdraw 100 thousand rubles per day). For exceeding it, a fine (commission) is 0.5% of the withdrawal amount. In subsidiary banks (abroad), Sberbank itself does not take a commission (the withdrawal conditions are the same!), But there may be an additional commission of a banking subsidiary (check locally). There you can also withdraw money in the currency of the country of the subsidiary bank. You can find details on limits and commissions for all of the bank's card products at.

DO NOT receive cash at the cash desk of a subsidiary bank and also at cash desks and ATMs of other (other) banks. Cash can only be withdrawn from Sberbank ATMs!

If you want to replenish your account on your social network, then this can be done free of charge throughout Russia (in any regional bank) through the ROC (cashier) or US (self-service device). When replenishing the account by a third party (not the cardholder), in their territorial bank they will not take a commission for this, but in another region they will deduct 1.25% of the amount (minimum 30 rubles, maximum 1000 rubles).

An extract (10 last transactions) can be taken only from your own ATM - free of charge.

You can find out about transactions and account movements in the MB or in the Internet Bank (this method is clearer). It is also possible to receive a monthly report in offices, by e-mail (configured in SbOl) and by Russian post. The latter method is relevant only for Moscow and costs 150 rubles per year. By the way, Muscovites should be more careful, as when registering a card, this service may be slowly “sold out”.

Insurance of card transactions (against fraudulent activities) can also be sold. Savings and other credit institutions do not hesitate to impose additional paid services, therefore, when communicating with a bank employee, prepare to fight back competently, otherwise they will hang unnecessary services.

There is no overdraft on a social card (when you borrow from a bank), but there is such a thing as when, in some cases, the account can go into negative territory. Tariffs imply a penalty for the so-called unauthorized overdraft in the amount of 40% per annum. Keep track of your account balance - it must always be positive.

A good way out of the situation when there is money on the card, but there is no way to go to the ATM, would be to issue an additional card. The service is paid - 150 rubles a year, but there are many amenities. Since the additional card is tied to the main account, then your relative, grandson or nephew can withdraw money from it and bring it to you (one of its possible uses). If you don’t really trust it, then you can set maximum cashout limits using it (for now, this can only be done in a bank), so that everything will be under your control.

How to use and where the card comes in handy

The bank solves several problems when it offers you to issue a MasterCard Maestro Social card for pensioners with savings. This is a rejection of the outdated and inconvenient in service, avoiding queues at the branch, the promptness of receiving payments, as well as receiving benefits - your money will be kept in the bank accounts until you use it. It is for this client that the accumulative function is offered, so that he keeps the money in the account for a longer time.

By the way, by connecting to Internet Banking, you can manage your money without leaving your home. You can not only pay for utilities, loans and taxes (and many other services), but also open deposits with more favorable conditions (for this you need to conclude a universal banking service agreement - this formality is done in a few minutes at any branch).

Since you have a card in your hands, then you can use it not only to accumulate received payments or pensions, but for its intended purpose. It is an excellent financial instrument for paying for any purchases - it is more convenient and safer than cash. The main thing is not to forget, and fill in the phone number of the bank for emergency blocking of the card in case of its loss.

A fraudster will not be able to do anything with it, because without knowing the pin code, he will just have a piece of plastic in his hands. A transfer or payment on the Internet will also fail, since an attacker will not be able to confirm the code sent during online payment to your cell phone to which the card is linked (in accordance with the 3-D Secure standard).

For those who work part-time on the Internet, it will not be superfluous to know about the possibility of withdrawing funds from the WebMoney electronic wallet to a card account with a small commission (15 rubles + 0.8%) - check it additionally when withdrawing electronic money.

Do not forget also about the bonus program "Thank you" (it will not be difficult to connect to it), which gives you points for each payment transaction!

What to look for!

Before receiving, you must clearly understand which paid services you need and which you do not. These include mobile banking (full package including SMS notifications), insurance, additional cards, delivery of statements by mail.

If you want to see the interest accrued for every 3 months, then when analyzing the movement of funds on the account through a bank statement, you will not be able to do this. To do this, you need to receive an online statement from the Internet bank 4 months or more from the moment the card was opened (for example, you can order an e-mail statement for this period).

The presence of 18 digits in the card number often does not allow making payments on the Internet or receiving (from MFOs or banks), in this case, find out the bank details of your plastic and choose the method of receipt.

conclusions

Sberbank's social card (relatively recently, at the end of 2016, it became a pension card) is already good because it is free to service, has a savings (deposit) function, allows you to withdraw money without commission at any ATM in the country and, finally, that it is issued ( issued) by the largest and most famous bank in Russia with the most developed infrastructure. Perhaps its most serious limitation is problems with online payments on the Internet. We talked about this in more detail in, these cards have a lot in common, so we recommend that you familiarize yourself with them.

It must be understood that these are budget-level cards, but taking into account the increased security in calculations (since 2013, Sberbank fundamentally refuses to use a single magnetic stripe and combines it with a chip) and its other advantages, it is the No. 1 candidate for design and use. Use it for health and supplement the review with your comments, as there is probably still something to say about this worthy banking product.

The system of cashless payments has become an integral part of modern life. One of the tools in this area is the Maestro map, which has its own characteristics and differs from other maps in a set of functions. You can often find it used in salary projects and social offers.

Sberbank card "Maestro" - whose payment system it is

Is the Sberbank "Maestro" card "Visa" or "Mastercard"? When defining a payment system, it is important to note that the banking product belongs to the MasterCard company. Mastercard is a worldwide payment system. The head office of the company is located in the USA. Additionally, she represents brands such as Mondex, Cirrus, MC Electronic. therefore the claim that Maestro and Mastercard are one and the same is not entirely accurate.

Maestro is a debit card that works in the MasterCard system. It can be argued that the Mastercard and Maestro cards are one and the same, only if the plastics themselves are compared. The common thing for them will be to work on one system. At the same time, it is worth noting the main differences:

1. "Mastercard" is a whole system of settlements operating all over the world, as well as a fully functional paid card with ample opportunities. Maestro is only one network product with limited functionality.
2. The payment system was formed in 1966. The Maestro product was launched in 1990.
3. The logos are created in the same style, but with noticeable differences.
4. When paying for Maestro, only online authorization is used. The availability of offline or voice authorization is supported only on MasterCard plastic.

Sberbank cards "Maestro"

Today Sberbank serves three types of such products. Let's list them:

1. Sberbank-Maestro "Social".
2. Maestro pension "Active age".
3. Maestro Momentum. No longer issued. When customers contact us, they are replaced with an instant or full-featured MasterCard.

The Active Age card began to be issued in May 2017, replacing the Social Card. The previous version of the product continues to be serviced, but until plastic expiration, lockdown, or loss.

The benefits of the new card include:

• free use;
• accrual of 3.5% on the account balance;
• preferential tariff for the Mobile Bank service - 30 rubles. The first two months are free of charge.
• an additional card is issued with an annual service of 150 rubles. in year.

Plastic is issued for three years in rubles. Produced for citizens over 18 years old. Holder add. card must be at least 7 years old and have the consent of a parent, guardian, etc. The product is issued to persons entitled to receive pension payments and registered in Russia. The daily limit for cash withdrawals is 50 thousand rubles. For registration, you need to contact the Bank branch and write an application. You need to provide a passport with a permanent or temporary residence permit in the Russian Federation and a document confirming the right to receive a pension. Plastic is produced from 5 to 7 days.

The difference between Maestro and Visa

When using plastic, it is advisable to know how the Maestro card of Sberbank differs from the Visa. Visa is an American-based international payment system. The company has been on the market for several decades in parallel with its competitor MasterCard. The main services of the company are various payment services, including non-cash transfers, making purchases on the Internet, working with cards with a bank account, etc.

Maestro is a service developed by MasterCard. For use, the service is presented in the form of a plastic card operating on a debit basis. Plastic is produced by banks all over the world. This is ensured by the fact that the Maestro payment system belongs to the international network. It has nothing to do with the Visa system. Its analogue in the payment system can be called Visa Electron. The plastic has a 16-digit number, which is more convenient to use.

Using "Maestro"

The main purpose of the Maestro service is to carry out settlements in retail outlets when paying for services. An account must be tied to the plastic. At the time of the transaction, the funds are authorized on the card for subsequent access to the account. Usually, plastic is not suitable for payment in online stores and has limited functions. These limitations are due to product availability and low-cost maintenance. Significant differences from other cards include:

• the card number consists of 18 digits;
• lack of CVV2 / CVC2 codes, so you can pay for your purchase online only through PayPal;
• plastic produced in Russia is not used in other countries;
• mandatory entry of the PIN code when making transactions.

As a result, plastic has gained popularity on social media. When calculating scholarships, benefits, pensions and wages.

Owners can perform the following operations:

• connection of SMS notification services and Internet banking;
• payment of current payments (utilities, television, taxes, fines) in terminals, ATMs and online systems;
• connection of the services of Sberbank "Autopayment", "Autotranslation" and "Piggy bank";
• connection to the "Thank you" bonus program;
• transfers to cards for individuals and between their accounts;
• withdrawing cash from ATMs of other banks. A commission may be charged for such an operation.