Belagroprombank's pension card care. Which bank is more profitable for pensioners to open a card. Conditions and cost of servicing the MIR social card

Modern banking technologies can make life much easier for older people. Several large Belarusian banks with an extensive branch network and developed infrastructure offer a simple and convenient banking product - pension plastic cards.

We can say with confidence that a pensioner can find a bank branch near his home with an interesting and profitable offer for opening such a card, and subsequently withdraw money or make non-cash payments using the nearest ATM. Large banks place ATMs in their branches and near retail outlets in almost all areas of the city.

Documents required to open a pension bank card:

• the passport;
• pensioner's ID.

The main advantages of pension bank cards

1.Free

A number of free services are available to the holder of a pension bank card:

Issue of a plastic card;

Opening an account to which the pension will be transferred every month;

Servicing a bank card during its validity period;

Internet banking and mobile banking service.

Sms-notification of the receipt of money on the account linked to the card.

2. Convenience.

A bank card for a pensioner will make the life of its owner comfortable and pleasant, save you from standing in lines at the bank, at the post office, in the store. Pension money is credited to the card quickly and on time. A free SMS confirmation is sent to the mobile phone.

You can pay for utilities, electricity, communication services without leaving your home, sitting in an easy chair at a computer or in the park for a walk, using a mobile phone.

And you can go without commissions to withdraw cash from ATMs. It should only be remembered that withdrawal of money is possible only at ATMs of the issuing bank of the pension "plastic" and partner banks. Therefore, before withdrawing money, you need to be careful not to cash out money in a bank by mistake, which will require a commission.

A pensioner can easily pay for purchases in a store, transfer money to another account or receive a money transfer from relatives, as well as top up an account at a bank branch.

3. Profitability

Belarusian banks are ready to offer the owner of the pension card pleasant bonuses - discounts on purchases in stores, pharmacies, various service services and interest on the balance of the account in Belarusian rubles. The standard yield is at the level of the National Bank's refinancing rate and slightly higher. Some banks require a minimum amount on the account to accrue interest. For example, Priorbank and Belinvestbank have set the threshold value on the pension card at 500 thousand Belarusian rubles.

As a reward, loyal clients - retirees can open a deposit in Belarusian rubles on very favorable terms. For example, Belagrombank offers the owner of pension plastic to open a deposit account in Belarusian rubles with a rate of 29% per annum. Available for holders of retirement cards and overdrafts. That is, a pensioner can borrow money from the bank for a while and exceed the limit of funds on the card account. For example, up to 10 million Belarusian rubles can be intercepted from Belinvestbank.

Review of pension card offers of large Belarusian banks as of July 22, 2015. The cards are issued in Belarusian rubles. The main condition is reaching retirement age and regular pension accrual.

Many retirees prefer to interact with Sberbank to receive their pensions, as with the most reliable state-owned bank in the country. Let's consider what the Sberbank card has for pensioners, the pros and cons, how much does it cost to service the card, the benefits of the Active Age program, and also what cards a pensioner can get, except for the social one.

Sberbank pension cards

Pensioners at Sberbank could apply for any card of their choice: MIR, Maestro or MasterCard. According to the relevant law, today only MIR social cards are issued for the transfer of pensions. Issuance of Maestro and MasterCard cards for pensioners is discontinued .

Maestro / Mastercard

For persons who still have them in their hands, the Sberbank pension card is replaced with a MIR card at the time of applying for a reissue due to expiration or early (in case of loss, data change, etc.).

PEACE

The MIR card is endowed with all the advantages of the above products so that the change of plastic does not entail any inconvenience for the client, but it also has some disadvantages.

pros

Interest accrued on the balance for pensioners on the Sberbank card is the main advantage of the product. At the same time, there is no need to maintain any balance on the balance.

Accrual of interest is provided for social payments transferred by the Pension Fund, the Ministry of Internal Affairs, the Prosecutor's Office and other pension bodies.

Interest on the balance is accrued in the amount of 3.5% with a frequency of once a quarter.

Other advantages of the card for pensioners in Sberbank include:

• Free to use;
• The alert service is connected free of charge for the first 2 months. Upon their termination, a preferential rate is applied - 30 rubles per month (for clients of other categories, the service costs 60 rubles);
• The pension is received on the balance on the day of its accrual from the Pension Fund, without delay;
• It is possible to pay by card at retail outlets and on the Internet, as well as for housing and communal services and other services using Sberbank services remotely, free of charge or with a lower commission;
• Accumulation of points for purchases from a card within the framework of the Thank you program, with which you can pay or get a discount in stores and online partner sites;
• The owner of the MIR social card has access to the Active Age service.

Additional advantages for pensioners in Sberbank are special rates when opening deposits. In particular, they are offered the highest interest provided for a certain type of deposit, regardless of the size of the funds deposited or the minimum balance maintained.

Minuses

Considering the disadvantages of the Sberbank MIR card for pensioners, it is worth highlighting the inability to pay outside the country. It is also not provided for withdrawing money abroad, even in subsidiaries of Sberbank itself.

In the reviews, the paid service of the Mobile Bank is called a minus, the cost of which does not suit pensioners, even despite the preferential tariff. But do not forget about the availability, which is provided to everyone without charging a monthly fee.

The disadvantages also include:

• it is impossible to issue an additional card to the account;
• paid re-release due to the loss of plastic (30 rubles);
• Paid balance check at ATMs of other institutions (15 rubles at a time).

Conditions and cost of servicing the MIR social card

The card is issued and issued without payment. The service cost is 0 rubles.

The MIR card is valid for 5 years. At the end of this period, there is a scheduled re-issue for which no payment will be charged.

In addition to those already mentioned, the card has the following terms of service:

• cash withdrawal limit: 50 rubles per day, 0.5 million - per month;
• cash withdrawal fee: 0% when using a Sberbank ATM, 1% - in third-party devices;
• withdrawal of money over the limit - only at the branch, with an additional payment of 0.5% for the excess amount;
• replenishment of the card account in cash through the cashier or ATM: no commission.

How to get a card for a pensioner with interest on the balance

The instruction on how a pensioner can transfer his pension to a Sberbank card has been simplified to make the procedure more comfortable.

Today, persons who meet certain requirements can apply for a MIR pension card:

• a citizen of the Russian Federation, a foreigner, a stateless person who is legally entitled to a pension;
• the presence of registration of a permanent or temporary nature.

At the Sberbank branch

First, you need to submit an application at the branch according to the place of registration in order to receive a Sberbank card.

It is necessary to present an identity card and a pension (or a document confirming the status of a pensioner). The production time for plastic is about 7-10 days. The client will be notified separately about the readiness of the product.

Order online

The second way to get a card is an additional plus of Sberbank, since it allows you to order it online. All you have to do is go to the section on the website for the Social Card for Seniors, where you can also read the terms of use, and move down to the bottom of the page.

Here is an online application form, in which you need to specify:

• personal data;
• surname in Latin letters (for printing on the map);
• contacts;
• passport information;
• address, place of registration.

Having sent the form, you should wait for an SMS or a call from an employee about accepting an application. The applicant will be invited to the office when the Sberbank social card for the pensioner is ready.

How to transfer a pension to a MIR card for a pensioner

If you already have a card, for example Maestro, to which pension payments are transferred, and you want to use it for now, please continue.

You will receive a new card for free, to which the pension transfer has already been made:

• When you lose / damage yours and a re-release is required. They will release the national one, but with the same connected services, the balance and the same account. Those. nothing will change for you.
• When the card expires (it is usually denoted as 07/18 - it means the card is valid until July 2018) - Sberbank will automatically issue a new card.

If you want to speed up the process and ordered the card yourself, then you need to transfer the payment of the pension to its account, for which you need to write an application and submit it in a convenient way:

• Sberbank branch;

How to refuse a MIR card

What you can refuse:

• From Sberbank. If for some reason you are not satisfied with the bank itself, then you have the right to get a pension card in any other that issues MIR cards. The official website of the payment system lists 147 banks that issue the card (Article 136 of the Labor Code of the Russian Federation).
• From the card. You do not want to receive a pension or other payments to a MIR card, or you have always received money - in cash or to an account. In this case, you are not forced to use the World map, you can choose the way you are accustomed to.

Having compared the pros and cons of the MIR card, some want to abandon it in favor of international format cards endowed with great opportunities.

Today there are no options for receiving a pension on the card and abandoning the MIR system. This is due to the requirement of the law governing the transfer of budget payments to the cards of the national system.

In the first half of 2018, civil servants are forcibly transferred to this product, and there is no clear framework for pensioners. For them, the replacement is carried out on a planned basis until 2020: at the time of the first registration or when the existing card is reissued (planned or at will).

It is impossible to refuse to replace the card with a national payment card, but no one bothers to receive any debit or credit card of a bank convenient for you, which can also be used to pay abroad. You can independently transfer any amount from a social card to it. For transfers between your cards, no commission is charged (if both cards are Sberbank).

How to use a Sberbank pension card

The card for retirees is no different from standard debit cards and allows you to perform all standard procedures:

• top up;
• transfer funds to individuals and companies;
• pay for goods and services in person or online;
• withdraw cash.

Top up card

To replenish the Sberbank MIR card for pensioners, you can choose any convenient option:

• Deposit money at the cash desk of Sberbank. It is required to name the card or account number, confirming your authority with a passport.
• Top up through a terminal or ATM.
• Transfer from another Sberbank card via Sberbank Online, Mobile Bank or ATM.
• Transfer from a card of a third-party issuer via its Internet bank.

If you abandon third-party resources and use the services and tools of Sberbank, the balance is replenished without additional payment.

Send translation

To send a transfer to a pension card, you can use the above methods:

• ... Go to Payments and transfers - to your card. Indicate the card for debiting and crediting funds, as well as the amount of the transaction.
• Mobile bank. Compose a message: TRANSLATION, 4 extreme digits of the number of the debit card, 4 characters of the card to be deposited, the amount. Send to 900.
• ATM. Insert the card from which you want to send money. Go to Transfers, write down the card number to receive and the value.

No commission is charged. Enrollment takes place instantly or within a few minutes, less often - up to a day.

If a transfer to a Sberbank pension card needs to be sent from a card of another institution, you can use its Internet bank and other tools offered by the institution. The transfer fee is in the order of 1% - but please specify the specific values ​​for your situation.

Service Active age

All holders of social cards for retirees can use the Active Age tools and services.

The Active Age Sberbank card provides privileges when registering deposits, savings accounts, mortgages and some other Sberbank products, which we have already mentioned earlier.

Courses

On the Sberbank website https://sberbankaktivno.ru you can also take courses that will help you find yourself, get rid of worries and anxieties caused by a change in lifestyle, set up relationships with loved ones and have fun when you go on vacation.

Courses are delivered online in the form of articles, videos and exercises. Only holders of MasterCard cards will be able to complete the full course, for which they will need to enter its number in the appropriate window.

You can also try a trial course without a card. At the same time, access to information is not limited for 10 days.

Health

In the Health section, Sberbank pension card holders are offered to make an appointment with a specialist, based on his rating and reviews.

The search can be carried out by locality, category of doctor, cost of admission and other important aspects. To sign up, you just need to indicate your name and phone number on the form. After receiving the call, all that remains is to agree on a convenient time to visit a specialist.

They also offer a service that will help identify the required specialist based on the symptoms specified by the user. The tool can only be used by holders of MasterCard cards (access by number).

Other debit and credit cards for retirees

In addition to a card for receiving a pension, a pensioner has the right to issue any available Sberbank card or several, if necessary.

The offered Sberbank cards for pensioners differ in status, type and additional features:

• Credit, debit.
• MasterCard, Visa, MIR.
• Classic, gold, premium.
• for payments made with the card. Miles can be used to buy tickets, upgrade service status at airports, and more.
• Give life: to participate in charity.

Also, a pensioner can be offered a card with a pre-approved credit limit, which is calculated individually, based on the amount of his income.

Conclusion

The Sberbank card for pensioners has its pros and cons, but it is reliable for calculating pensions. You can refuse it or choose another one, but with great restrictions. In Sberbank, the card for pensioners with interest accrual has a free service, and also provides a number of privileges: deposits with maximum interest rates, mortgages at a convenient rate, etc. Additional benefits are provided by the Sberbank Active Age service. The main disadvantage of the MIR card is the limitation of use abroad.

Today banks offer cards designed for different target audiences. They differ in various bonuses, discounts and a set of additional functions. For example, you can set a daily cash withdrawal limit for a child's card, and “plastic” for pensioners allows you to receive cashback in pharmacies.

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For students

Most student cards are where the scholarship comes in. There is only one usual debit card - Visa Electron ISIC from Priorbank - at the same time a means of payment and an international certificate that confirms the status of a student.

For kids

The main feature of children's cards is the ability to set limits on cash withdrawals. The function is especially relevant in cases when the card is issued as an additional one to a relative's account. This means that the child will not be able to spend the entire salary of the parents.

For retirees

There are two types of cards for pensioners - those where the pension is accrued, and ordinary debit cards. The most common bonus is a discount or cashback at pharmacies and medical centers.

More and more modern pensioners, going on a well-deserved rest, give preference to pension cards, not wanting to stand in line for their money.

In addition, the choice today is not limited to just one bank. Now, for example, 6 banks offer special pension programs with all kinds of discounts and bonuses.

The cards themselves for people of the older generation are no different from any others issued by banks in Belarus. Unless only pensioners or people who are about to retire can issue them.

		Price	% on the remainder
		0	3
		0	if the amount of balances is up to 50 BYN - 0.01 / if 50 BYN and more - 3
		0	2
		0	0,5
		at registration in a bank - 12 BYN / in SDBO - 11 BYN	0,5
		8 BYN	2, from 01.09.2017 - 0.1
		0	2%, from 01.09.2017 - 0.1%
		service: 0 - when crediting 100 BYN per month to the card, otherwise 2 BYN / issue of the card 7.9 BYN	0,01

As for the rest of the proposals, they are listed in the table.

Please note that all considered proposals, with the exception of the card "To health" Bank Idea and cards within the club "Velvet" Belarusbank, provide for the obligatory crediting of the pension to the opened pension account.