Social card of Sberbank. Sberbank: social card for pensioners

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

In recent years, the number of holders of social cards of Sberbank of Russia has increased significantly, as well as users of pension cards. This was achieved thanks to the systematic work of the financial institution to reissue savings books of citizens and cooperation with the Pension Fund. In addition to comfort for customers, such changes led to an increase in the bank's direct income. After all, the reduction in queues at the cash desks of branches has made it possible to reduce the cost of paying additional employees, and the cost of printing savings book forms is decreasing every day.

Who can get a social card?

In accordance with the pension program of Sberbank, depending on the category of financial security, one of two possible cards can be opened for a client: social or Maestro. The first is issued to people who receive a pension for old age, survivors or disability. As for the conditions for issuing a second one, citizens from the age of 14 who have a permanentregistration in the region of registration and the right to receive social security.

What do you need to open the card?

Naturally, in order to count on receiving a social plastic card, it is necessary to belong to the category of citizens receiving funds from the state. In other words, you first need to draw up pension or other social benefits in the Pension Fund and only then contact the nearest bank branch. It should be noted that in some cities of the Russian Federation, employees of the Pension Fund themselves submit the documents of their wards to a financial institution, and they are automatically issued a Sberbank social card. However, not everyone is so lucky, so those who do not fall into the "lucky" category will need to work hard.

After registration of pension provision, a person is obliged to contact the bank and sign a cooperation agreement. Further, within 10 working days, the financial institution must issue a personal card of the client and issue it. But this should be only according to the law, but in fact this period is from 2 to 4 weeks. Bank employees are required to notify the client about the possibility of receiving it by phone, but some do not bother with this, so pensioners need to systematically call the bank and inquire about the readiness of their card.

Card expiry date

Sberbank's "Maestro Social" card is issued to a client for 3 years, as evidenced by the information on its frontside. If, two months before the specified period, the client did not notify the financial institution of the refusal to cooperate, the contract is extended. Therefore, the bank will automatically reissue a new card, and the old one will need to be handed over. For comfortable use of funds, clients themselves must monitor the expiration date and timely contact a financial institution for an exchange.

Additional card benefits

To say that pensioners are elderly people whose living conditions require increased comfort is probably not worth it. Everyone knows this, and bank employees are no exception. That is why those who already have a Sberbank social card are offered to get another additional one. Members of the pensioner's family or trusted persons can use it to make purchases and pay for services. The client must notify the financial institution of the decision to receive an additional card and, as a written confirmation, write a corresponding application. In this document, the client must indicate not only his details, but also the data of the future holder.

Who can become the owner of an additional card

Under the terms of the social program of the bank, even a child of 10 years old can be appointed as the owner of an additional card, if he is a close relative or ward of a pensioner. If a small client has official representatives (parents), their permission will be required to issue a banking product. However, after a person reaches the age of 14, such confirmation is notneed.

In order to control the funds could be the one who has the main social card of Sberbank, the program provides for certain conditions. So, at the request of the pensioner, you can set monthly limits for any transactions. To do this, you just need to contact the bank branch and write a corresponding application indicating the exact amounts. As a result, the owner of an additional card will be able to use only a certain amount of money, regardless of whether it is cash receipt or payment transactions through the terminal.

Disadvantages of social and additional cards of Sberbank

Before considering the so-called disadvantages that the Sberbank social bank card has, several other aspects need to be analyzed. For example, everyone understands that most pensioners prefer to use cash and do not really trust financial institutions. It is still difficult for people at this age to adjust to the modern type of calculations, not only because of stereotypes, but also because they are afraid of being deceived, and also do not understand the principle of the system. Therefore, many do not even notice the absence of the CVV2/CVC2 code, which is used to identify the card when buying goods on the Internet.

As for servicing the card, in the territory of the Russian Federation it is carried out at all ATMs, cash points and branches of Sberbank of Russia. Having traveled abroad, customers can receive cash only in affiliated banks and their ATMs, other financial institutions permitfor such operations do not have.

Another limitation that each Sberbank social card has is that it cannot be used to credit other income. It is also worth noting that transactions on a pension card account can only be carried out in national currency, but this is not a problem for most modern pensioners.

Additional income for clients

Participants of the bank's pension program can receive additional funds; for this, free funds should not be cashed out. And already at the end of the quarter, everyone who has a Sberbank social card will receive interest on their account. In the current, 2014, each client of this program receives an income of 3.5% per annum on the balance of funds. For some, this rate may seem too small, but in this way the bank stimulates not only an increase in its own working capital, but also allows pensioners to make a small profit.

Service rates

Everyone understands that the transition from savings books to card accounts is carried out not only for the comfort of citizens, but also to increase the profits of the bank itself. After all, before people stood in long queues, but received a pension in full. Today, a person who has a Sberbank social card pays not only for additional services, but also hidden commissions.

There is no fee for servicing the main card under this pension program of the bank, but for an additional one, an amount of 150 will be withdrawn annuallyrubles. The commission is not withdrawn both when replenishing the account and withdrawing cash. Although there are subtleties here, such terms of service will remain unchanged if the client cashes out an amount up to 50,000 rubles, in other cases the commission will be 0.5% of the excess amount.

Another paid service under the social program of Sberbank is the reissuance of a card or changing the client's personal data. Of course, we are not talking about the planned replacement of the product after the expiration of the period of use, this only applies to situations that have developed through the fault of the holder. A lost social card or making changes to the database will cost the pensioner 30 rubles, which seems to be a small amount. However, given that, due to age, many customers can forget their card simply at an ATM or not remember their PIN code, then a fairly decent amount will accumulate over the year.

Benefits for social card holders

In order to attract more customers, each regional branch of Sberbank concludes cooperation agreements with various retail outlets, which subsequently provide pensioners with a discount on goods. As a rule, the social card of Sberbank of Russia allows the owner to purchase the necessary things at 1-12% cheaper. You can get acquainted with the list of such stores and pharmacies both on the website of the financial institution and in any regional branch of the bank.

Special attention deserves the fact that all participants in the social program can connect an automated system for managing personalaccount "Sberbank Online" or "Mobile Sberbank". A social card for pensioners who know how to use the Internet becomes an indispensable assistant in life. After all, only auto payments for utilities will allow you to avoid tedious queues at the cash desk and waste of energy.