How to get a Sberbank card of active age. Debit card mastercard active age from Sberbank. Features of the card "Active age"

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 Active Age service is available to the owner of the MIR social card.

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 map. 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, 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.

Table 1. Tariffs for the Active Age World card

Despite such interesting terms of use, some of the organization's customers had comments about the "Active age".

Disadvantages and difficulties of use

According to consumer reviews, the main disadvantages of the program are that:

• Not all trading platforms accept Mir for payment yet.
• It is not possible to use the card abroad.
• Most partners of the bonus program have low cashback.
• There are few online stores that accept card payments.

The management of Sberbank informs that by the deadline for replacing pension plastic established by the Federal Law, the main difficulties of users will be resolved. In the meantime, he proposes to pay attention to the fact that all difficulties are compensated for by separate services.

Special offers on deposits

In addition to accruing 3.5% on the balance on the card itself, Sberbank offers clients of the Active Age program to take advantage of an additional increase in rates on deposits “Save” and “Replenish”, including for online versions of products.

Table 2. Special conditions for deposits

In addition to savings programs, there are special conditions for insurance products.

Insurance services for participants "Active age"

With discounts, members of the "Active Age" club can insure:

1. Real estate. The effect of the policy, depending on the options chosen, may additionally apply to household items and interiors, and to liability to neighbors for damage to their property. The discount is provided in the amount of 30%.
2. Life and health while traveling. You cannot go abroad without such a policy. Discount - 10%.
3. Protection of loved ones. + The program insures the health of relatives, for example, children or grandchildren in cases of unforeseen circumstances, such as fractures, burns and other injuries. Upon the occurrence of an insured event, the client is paid a monetary compensation for the treatment. Product discount - 15%.

Also, holders of pension cards have access to additional functions that make the use of the product even more convenient.

Additional features

The program includes the following services that allow the client to actively use the card, while receiving benefits:

1. The ability to connect auto payments, so as not to forget to timely pay under the agreement and not to waste time on this operation.
2. Connection to remote service systems from a computer or mobile phone.
3. ATM transfers.
4. Mobile bank with SMS information.
5. Discounts on mortgage loans and additional interest on investment programs.
6. Reduced commissions for paying for services.
7. The ability to transfer money to a mobile phone account to a grandson or another person, for this it is enough to know only his number.

This list of additional services and special conditions is unique in terms of content in the financial market. However, Sberbank's competitors also have interesting programs.

Similar offers from competitors

In the struggle for customers, banks are releasing more and more new products. Pensioners are now included in the priority group for many financial institutions, because have a permanent income and can dispose of it. Complex programs with the MIR card are offered by such large institutions as and.

Table 3. Comparison with competitors

Important! The conditions of bonus programs are different, and it is better to familiarize yourself with them on the official websites of banks.

For those retirees whose active age is just beginning at 50, the Sberbank program will be an excellent companion. With its help, you can buy profitable vouchers and go on vacation, raise money for a gift to your grandson, pay regular payments without even remembering them, and even take video training on a profile site.

Knowledge of the age preferences of customers is the basis for Sberbank's targeted banking products. This is the program that applicants of retirement age can take advantage of.

For many of them, the time of retirement is a new stage in life activity, opportunities for fruitful work for the benefit of the family, travel, new communication, and helping relatives.

Understanding the needs of the older generation, the bank has issued social debit cards that guarantee the participation of holders in the Active Age project of Sberbank. Let's consider its features and advantages, as well as new proposals prepared by the bank in recent years.

Features of the card "Active age"

Sberbank's program to support like-minded people who have reached the age of 50+ was launched in 2016. It is based on the Active Age card of Sberbank: Maestro or MasterCard.

Designed to motivate consumers with an active lifestyle and attract new customers, thanks to:

• weekly promotions, which include a 6-month online subscription to self-help and wellness books;
• the possibility of obtaining free medical advice and calling emergency medical care;
• regular draws with attractive prize pools. This can be a cash certificate for a vacation in an expensive hotel with an air flight, spending a paid weekend with three meals a day in a Sberbank country club, or a certificate for purchases in online stores;
• insurance protection of project participants and their families under the programs of life insurance, property, civil liability to third parties. Of interest is insurance for travel within the country and abroad, which provides medical and legal support for the insured person.

An integral part of the project is a deposit program providing for the opening of deposits in rubles, with attractive interest rates:

• standard deposits "Save" and "Save online", without replenishment and partial withdrawal. Interest rates - 5% for registration at the bank's office, 5.5% - for online opening;
• deposits with replenishment "Top up" and "Top up online". Allow to accumulate on deposits - 4.5% and 5.0%, respectively.

In general, Sberbank's deposit rates are differentiated depending on the amount of the deposit. But the Sberbank card "Active Pensioner" will allow you to get maximum interest.

Possibilities of the Maestro pension card

The Maestro Sberbank pension card is a type of debit carriers of the MasterCard international payment system. This is an entry-level bank card, simple and easy to use, designed to attract older customers.

The purpose of the carrier is to enroll pension and social benefits and allows you to receive money on the day of receipt. The client does not have to stand in line at the post office or wait for the postman at home, postponing all the cases.

Features of the Maestro Sberbank pension card:

• put into circulation for 5 years and protected by an electronic chip;
• account and card currency - Russian rubles;
• provides free annual maintenance and re-release on time;
• involves the opening of additional card carriers;
• provides an opportunity to participate in the incentive program of Sberbank "Thank you";
• in case of theft or loss of plastic, PIN-code, the cost of early reissue is 30 rubles.

With the help of the card, you can pay for purchases in retail outlets, transfer utility bills, replenish the account of a mobile device, transfer money to another card carrier. If you need cash, you can withdraw money from ATMs of Sberbank, subsidiaries.

You can replenish the card in any convenient way: in cash, through an ATM or through an operational employee of the bank. Cashless replenishment is made through the Sberbank-online system, the mobile Sberbank application. The amount that can be deposited into the account should not exceed RUB 10 million / month.

The holder has new opportunities in banking services. You can connect the auto payment service, with the help of which, at a given frequency, funds will be debited to pay for utility services, communications and other regular payments. Likewise, you can perform regular translations; for example, grandchildren studying far from home.

By paying with a card, you can get bonuses for purchases, up to 12% of the cost from the MasterCard system, as well as up to 10% from Sberbank partners. The bonus program is focused on the age of customers, which guarantees discounts in the chain of grocery supermarkets, stores selling household goods, at gas stations.

The carrier allows you to increase your savings. Let us explain what interest you can get with the Maestro Sberbank card. For the rest of the money received from the Pension Fund or social services, the bank once every three months calculates an income of 3.5% per annum of the amount. In this case, money transfers from other counterparties are not taken into account.

Account and card management is carried out using the Sberbank Online and Mobile Sberbank systems. Operational information on the remaining funds can be obtained from Sberbank ATMs. A monthly card report is ordered from a bank employee or through Sberbank online.

When carrying out operations, SMS-informing is provided; the first 2 months of using the message carrier are received free of charge, in subsequent periods a monthly payment is provided - 30 rubles.

Restrictions

Since the carrier is at the entry level, it has certain limitations. First of all, there is no CVC2-code on the back, which does not allow using it to pay for purchases on the Internet. But this does not make the card less convenient, because elderly people rarely use such services.

The medium is intended for enrollment of social receipts only. If the holder continues to work, it is not possible to transfer salaries to the pension card.

Cash withdrawal limit

You can withdraw cash at ATMs and cash desks of Sberbank, regional offices, subsidiaries or other banking institutions. The daily limit of the amount is 50 thousand rubles, the monthly limit is 500 thousand rubles.

If there is no excess, the commission for cashing out is not paid. If the limit is exceeded, the size of the commission payment is 0.5% of the amount for Sberbank structures; in other banks - 1%, at least 150 rubles.

Does it work abroad?

The card has no restrictions on its use in Russia. In a number of countries of the Near Abroad - Ukraine, Belarus, Kazakhstan, as well as in Turkey, Switzerland, you can withdraw cash with it. To make payment transactions in other countries, it is recommended to issue carriers of higher levels.

MasterCard card

MasterCard card "Active age" belongs to the Standard class, which means the corresponding opportunities and privileges. Opens in Russian rubles.

The presence of the owner's surname and first name on the front side of the plastic allows the card to be used for payments outside of Russia: the carrier is accepted without restrictions for payment in retail chains and hotels. If the card is lost, the holder will be able to withdraw cash abroad using his passport.

Unlike Maestro, MasterCard has full functionality for online payments. When embossing the card, the CVC2 code is applied, which must be indicated in order to make a purchase.

The issue of the card is carried out with the possibility of contactless payment, about which the holder is notified by a special icon on the front side of the card. For purchases costing no more than 1000 rubles, it is convenient - the card is brought to the reader and the operation receives the "approved" status. For more expensive purchases, a PIN is entered.

Maestro and MasterCard - what are the main differences

To establish the differences between the current pension cards, we will draw up a comparative table:

The information provided shows that the conditions for issuing the Active Age card of Sberbank are quite loyal and similar in use. The main differences are in the opportunities provided to the client.

Accumulative card

A savings card of Sberbank is available to recipients of pension payments. This is a debit card on which interest is accumulated on the amount remaining in the account. The accumulative card is opened for retirees by age, seniority, as well as recipients of other types of social assistance: disabled people, children who have lost their breadwinner. Since the retirement account is already open, only an application is submitted to participate.

How much interest is charged

The savings card of Sberbank guarantees the receipt of an interest payment on the account balance. When determining the minimum amount, only receipts from the Pension Fund and social insurance organizations are taken into account. Other money transfers and deposits are not taken into account. The income is credited once every three months, the interest rate is 3.50%.

Interest on the non-withdrawable amount

Let's show how the receipts are calculated. For example, on March 4, the pension received 25 thousand rubles. On the same day, 5 thousand rubles were withdrawn in cash; On March 14, the goods were paid for 10 thousand rubles. In April, the 4th - the next pension enrollment of 25 thousand, of which 6 thousand were cashed out on the same day; On the 20th, a transfer of 8 thous.

In May, the pension was credited on the due date, from which 15 thousand rubles were received in cash. Let's calculate the interest on the balance as of June 1st.

As you can see from the example, the amount of income is small, but it will allow you to make small payments: replenish your mobile phone account, cover the costs of SMS-informing.

Re-issue and transition to the MIR card

Since the issue of the Active Age Maestro and MasterCard has been completed, the holders are offered the MIR pension card, which also actively participates in the program to support and motivate the older generation. The plastic carrier has been issued since the summer of 2017; it is based on the domestic payment system MIR.

The card is opened in local currency for a period of 5 years. It has a pleasant external design: yellow-green birch branches, against which there are two flying birds. You can register the media at a Sberbank branch or at a local PFR branch.

The bank's requirements for opening an account and card are loyal: there are grounds for receiving a pension or social services. payments, reaching the age of 18, permanent or temporary registration. The holder's citizenship does not matter.

The carrier is used for settlements in Russia for purchased goods and services, in online settlements with domestic sellers, as well as for money transfers, cash withdrawals through ATMs and bank cash desks. Traditional payment methods for purchases are supplemented by the possibility of contactless payments. For the unused balance, interest income is accrued at the rate of 3.5% per year.

Customer service is provided at a reduced rate. There is no annual commission, payment for the next issue of plastic media, payments for SMS information in the first two months of use. If you have lost your card or PIN, the re-issue is made at the minimum rate.

Withdrawing cash provides for the establishment of a daily limit of 50 thousand rubles, as well as monthly - no more than 500 thousand rubles. For exceeding the penalty fee will be:

• 0.5% when withdrawing from ATMs and bank cash desks;
• from 1.0 to 1.5% in other banking structures; minimum - 100 rubles.

The account status and payments are monitored using online and mobile applications implemented by the bank. Additional carriers for the MIR pension card are not opened.

As the Maestro and MasterCard social expires, the transition to the MIR card occurs automatically. Sberbank notifies the holder in advance with two SMS: about the proposed replacement, about the readiness of the carrier. At a convenient time, the client turns to the bank branch, hands over the plastic carrier, which has completed the action and receives a new one. In this case, the bank account number does not change, additional documents are not required.

Review analysis

As a rule, people of retirement age use the card only for real settlements and cash withdrawals, so there are no special difficulties with the use of valid carriers. Clients are attracted by minimal commissions or their absence, the quality and availability of services by the bank's employees are highly appreciated.

And at the same time, the practice of opening credit cards for pensioners without prior agreement with the potential recipient raises criticism. Lack of awareness, lack of skills in using a credit card, lead to the accumulation of debt.

Negative reviews are also caused by the involvement of pensioners in non-state pension insurance.

Conclusion

Sberbank cards for active pensioners are adapted to the needs of older people. Inexpensive and comfortable to maintain, easy to use. Bank cards are designed to increase the material security of pensioners. But at the same time, they also solve related problems: they encourage an active lifestyle, increase financial literacy. More details about pension cards can be found in the nearest branch of the bank.

Expanding the range of banking services is an integral part of the successful activities of any financial institution. One of the successful and unusual projects of 2016 is the Sberbank Active Age program. The uniqueness of this program lies in attracting people over 50 years old with an active lifestyle in the formation and development of banking products. A kind of club for this group of people can be an interesting way of interactive surveys that will help to understand the point of view of consumers on various innovations and services in the banking sector. This will undoubtedly help in the development and release of the most popular banking products. That being said, do not forget that older people have excellent useful skills. These include the ability to calculate expenses and correctly plan a family budget, save and accumulate, take into account all the nuances. That is, the bank turned to consumers with good experience in handling money, and in return received a huge amount of material for analysis.

What is the new Sberbank Active age 50+ club? This is a club for people of the appropriate age who are ready to actively discuss new products and proposals from a banking institution. Every week (on Mondays) the bank opens a discussion of new topics and proposals. Club members can express their opinion, write comments, participate in voting. In the future, the data is analyzed, which helps in the future in the activities of the bank.

Naturally, the implemented project should be more than just interesting for a certain category of people. Motivation is one of the principles of the program. The system of incentives for the most active participants includes both small prizes and substantial gifts for the winners.

Every week, the most initiative participants are awarded small incentive gifts:

• Semi-annual subscription to the SmartReading library;
• Special device "Button 24";
• Free consultation from the DOC + company (doctor's call).

The prize fund is:

• Prize for 1st place: a certificate for rest in any of the hotels in the amount of 60 thousand rubles. (including air travel and room accommodation).
• For the 2nd place: a weekend in the country club of a banking institution with accommodation in a suite, free three meals a day and unlimited access to the sports center;
• Prize for 3rd place: a certificate for 10 thousand rubles. for purchases in the online store.

As you can see, participation in the activities of the Sberbank Active Age club is not just an opportunity to express your opinion and position on the proposed banking products, but also pleasant communication in your age group and the opportunity to receive pleasant surprises from the organizers of the club. Registration is carried out on the bank's website. To join the club, it is enough to indicate your full name, e-mail and fill out a questionnaire. After that, you can actively participate in the discussion of the proposed topics.

Insurance of club members

Among the new opportunities provided by the program is the issuance of a card for the payment of a pension. The Sberbank MasterCard Active Age has been replaced by the MIR pension card. Active members of the new club will be offered discounts when signing up for insurance policies of the following type:

• Protection of loved ones is a plus. This insurance program allows you to issue a policy for children, grandchildren, parents and spouses against possible health risks: injuries, burns, frostbite, fractures, etc. To get a 15% discount when registering, it is enough to indicate the promo code issued when registering a pension card.
• Travel insurance program. There are several types of policies for outdoor enthusiasts in Russia and abroad. During leisure and business trips abroad, an insurance policy will become a reliable assistant. He will help in case of any complications: illness, loss of luggage, injuries of various types, the need for legal and medical assistance. Even in the event of a sudden trip cancellation or early return, a policy with appropriate coverage will help you. Any Sberbank Pension MIR cardholder will be able to save 10% when applying for a policy after providing a promo code.
• Real estate insurance. A variety of insurance options will help protect your home from various problems and unforeseen situations. The coverage of the policy can apply to both the real estate object itself and to movable property and civil liability. A 30% discount on policy registration is a great way to save your own money for those who have become a member of the club.

Pension card MIR

For people of retirement age, there is a special development of Sberbank - the MIR Pension Card.

Receiving a pension on this card involves:

• Accrual of interest on the balance: 3.5% per annum on unused funds stored on the card;
• Service: free;
• Benefits of the bonus program Thank you.

Holders of such cards are given the opportunity to open an additional card, use the services of Auto payment, Internet banking and Mobile Banking.

Contributions to the program

In the line of proposals for retirees, there are interesting options for investing money.

• Deposit Save and Save online (the latter is issued only online): it assumes a profit of 4.2% and 4.95%, respectively, and can be issued for a period of 1 month or more.
• Deposit Replenish and Replenish online: with interest rates of 3.85% and 4.1%, respectively, opens for a period of 3 months.

When making deposits for pensioners, preferential conditions apply - the interest rate is set at the maximum amount for a specific period, regardless of the amount of investment.

Conclusion

The bank's proposals for pensioners are not just about attracting people over 50 years old with an active life position to discuss various topics and issues. These are additional opportunities that open up for people of this age category. It is no secret that many banks do not consider retirees as promising clients, and it is completely in vain. After all, older people can teach young people the right attitude to finance. The bank's strategy is innovative: it “breaks” stereotypes and is ready to listen to those whose life experience helped them in the most difficult times. They may not know the terminology, but the experience of "practical economy" can be invaluable. That is why opening a club for energetic seniors is a promising solution.

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Retirement does not mean, as some people think, that a person has retired. For many elderly people, a new era of life is beginning, now dedicated to oneself. Not having to rush to work every day opens up new perspectives. The Active Age card offered by Sberbank can be a good helper for a pensioner in his endeavors.

Active age card Sberbank: what is it?

Active Age is a Sberbank program aimed at keeping people of retirement age in good shape. The very name of the payment instrument suggests that it is designed for people who do not intend to lead a passive lifestyle.

We are talking about a social product available only to certain categories of citizens. Sberbank has prepared several card options as part of the program. All of them are more profitable than conventional counterparts and differ in the sets of available options.

What are they?

Seniors can choose from 2 types of debit cards:

1. MasterCard is an option designed for people who plan to spend part of their time outside of Russia and use a payment instrument for settlements with online stores. Holders of such cards have all the privileges of the described program, they also have the opportunity to make contactless payments. The peculiarity of this card is that only residents of the capital can issue it.
2. Mir is a pension card belonging to the Russian payment system and available for registration in all regions of the country. A convenient and profitable option from Sberbank for retirees who intend to lead an active lifestyle within Russia.

Features of cards "Active age"

The main feature of the described payment instruments from Sberbank is that they are designed for "adults" people with an active lifestyle. The card is distinguished by the following features:

1. Insurance coverage for holders and their loved ones. This includes third party liability insurance, property and life insurance. Also, insured persons receive medical and legal protection while traveling in Russia and abroad.
2. Organization of drawing of expensive prizes and cash awards. Sberbank holds such draws on a regular basis.
3. Free call for an ambulance, as well as free consultation with a medical specialist.
4. Incentive promotions held every week and aimed at drawing online subscriptions for six months for books about a healthy lifestyle and self-development.

In addition to the above, Sberbank has developed special deposit programs for people of retirement age:

• "Top up online" - makes it possible to make savings on deposits up to 5%;
• “Top up” - similar conditions with the ability to accumulate up to 4.5%;
• “Save” - no replenishment is provided, as well as partial withdrawal, you can accumulate up to 5.5%;
• "Save Online" - 5.5%.

Restrictions

All cards, both Sberbank and other financial institutions, have restrictions. This is a factor that you should pay attention to when registering a payment instrument. So the Maestros, who are out of circulation, do not have the CVC2 code. This is related to the initial level of the map. Without a code, the holder will not be able to make purchases in online stores. This is not a big problem, since the overwhelming majority of modern retirees prefer to shop in real stores.

The described card is also distinguished by the impossibility of such transfers as salary. The Maestro leaving circulation is aimed only at receiving social benefits.

Other restrictions include cash withdrawal limits.

Cash withdrawal limit

This restriction is not particularly significant for pensioners, since the limit on cash withdrawal through social plastic is quite large:

• you can withdraw up to RUB 50,000.00 per day;
• per month - 500,000.00 rubles.

You can withdraw more, but for the amount of withdrawal in excess of the limit, Sberbank has set a commission of 0.5%. If you withdraw money from plastic at cash desks and ATMs of other financial institutions, 1% will be charged. In this case, no limits have been set.

Does it work abroad?

According to users, the main disadvantage of the described plastic is that it is not intended for use outside the Russian Federation. The payment system of Russia operates only within the country. Having left abroad with Mir plastic, you will not be able to use it either at ATMs or at the cash desks of financial institutions.

The outgoing Maestro was also not intended for use abroad. The only payment instrument for pensioners that can be used to pay not only on the territory of the Russian Federation is MasterCard.

Service cost

If we consider the advantages of social cards issued for pensioners, then the main one is a completely free service. Both in the first and in subsequent years, the holder will not have to pay for this service of Sberbank.

The financial institution also does not provide a fee for reissue. It can only be requested if the new design was initiated by the holder. A minimum fee of 30.00 rubles will be charged.

Tariffs

The described banking product is distinguished by minimized tariffs. Most of the services are provided free of charge. Of the paid services, the most popular is the Mobile Bank, which is connected free of charge and does not charge a fee for use during the first 2 months. From the 3rd month, payment begins, equal to only 30.00 rubles per month.

If you replenish the described plastic using the tools of Sberbank, the cost of the service will be 0.00 rubles.

Conditions for receiving

People of retirement age can become the holder of the described card. When contacting the bank regarding the registration of plastic, you need to present an identity card, by which the employee will determine that the applicant is entitled to receive a pension card.

There are 2 options for filing an application for the production of Active Age plastic:

• in one of the Sberbank offices;
• on the website of the financial institution.

In addition to the passport, it is required to provide SNILS. The applicant must fill out a special form, which he can find on the Internet resource or receive at the office from the operator.

A pensioner does not need to inform the pension fund about the decision to receive a pension in the Security Council. Bank employees send to the Pension Fund forms with the data of citizens who draw up social cards at the institution.

Card replenishment

The holders of the described plastic have an extensive selection of options for replenishing payment instruments. It:

1. Cashless transactions from other cards. You can send such a transfer using Sberbank self-service machines, Internet banking or mobile banking. You can also send money using SMS.
2. With the help of payment terminals that accept cash.
3. At the cash desks of a financial institution. The transaction will be made on the provision of a passport and plastic details. You will also need to name the bank account details.
4. Using the services MoneySend and MasterCard.
5. Through non-cash transfers sent from plastics of other financial institutions.

Important: it is best to use Sberbank services to replenish the card. The presence or absence of a commission, as well as its size, depends on the chosen method. Also, the type of replenishment affects the speed of transferring funds.

Maestro and MasterCard - what are the main differences

Until recently, people of retirement age had a choice whether to issue the Maestro plastic or to give preference to MasterCard. Both options have a number of differences: