Social card of the pensioner. Sberbank card for pensioners

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

Sberbank offers all Russian pensioners a convenient scheme for receiving and disbursing funds from a pension fund by issuing a special Maestro plastic card for them. Any operations on it are completely free, including a printout of the movement of money on the account. Despite all the ease of use, not everyone liked the pensioner's social card.

Passbook or plastic card

The use of a plastic card is not mandatory when transferring pensions to an account with Sberbank - yet most pensioners prefer a proven passbook for decades. Each of the elderly can appreciate the advantages of the card over the paper keeper of the treasured numbers. To start something new, even to master a few simple and convenient gadgets, many consider it superfluous - a mobile phone is enough. Therefore, the Sberbank card for pensioners is not yet very popular among the older generation.

But for those who decide to have a stylish “plastic” in their pocket or purse instead of the usual banknotes, to receive a card, you need to fill out only two applications,both in the office of Sberbank: the first - to issue the card itself, and the second - to the pension fund to change the personal bank account, to which all due payments will need to be transferred. The bank must deliver the second application to the FIU on its own. But here it should be remembered that the terms for issuing a social card may not coincide with those announced by Sberbank. Instead of the prescribed 7 days, the card in most cases falls into the hands of a pensioner after 2-3 weeks. It is necessary to have time to guess for the next transfer of money.

Difficult but comfortable

Only by personally experiencing all the conveniences of using the card, you can evaluate its advantages over a passbook or receiving a pension at the post office. In addition to the fact that "plastic" saves its users from having to waste time and effort in long lines, in which it is difficult and tired for pensioners to stand, it has a lot of other advantages. There is no need to carry “live” banknotes with us to shops, pharmacies, clinics, which each of us can, if distracted, lose.

The Sberbank card for pensioners is endowed with the same functions as those issued for a wide group of users: it can be used to pay at outlets marked with the Maestro brand, pay utility bills, transfer money to the accounts of relatives and friends as a gift or a loan. And for this you need to master a few simple operations at an ATM, which almost any elderly person can do.

Reliable protection of theircash

Sufficient number of banknotes in your pocket is undoubtedly a pleasing circumstance, but at the same time it is frightening. There are more or less thieves in public transport - it doesn’t matter at all, just one is enough. Having met such a trickster, instead of the joy of feeling a bundle of money in your hands, you can get a blow from their sudden disappearance. And with the card, everything is not so hopeless: protected by a personal pin code, it is not given to everyone - only an experienced hacker can hack it in a few hours, and until he has time to do this, access to the card can always be blocked by going to the nearest Sberbank office, or by calling the service center.

For those who do not have enough information - a call from a mobile phone to an emergency number is completely free throughout Russia from the phone of any telecom operator. There is no need for pensioners to guess how and where to get a social card - they will do everything at any of the branches of Sberbank.

Around the clock and without leaving home

Internet users, though not quite experienced, but having at least basic skills, can easily master another very convenient option - making payments via a remote system. The Sberbank website is quite mobile, and in terms of ease of use, it significantly surpasses similar online systems of other banks. It is possible that there are certain statistics on how often a Muscovite's social card is used to make payments via the Internet.a pensioner, but knowing it is not necessary to suggest that more frequent use of plastic cards is typical for residents of large cities. Of course, one cannot deny the special cases of communication with the "plastic" of pensioners from the rural hinterland - all this is there, but so far the advantages of cards are more widely known in megacities, where automation has tightly entered into all spheres of life a few decades ago. Naturally, during this time, many current pensioners were able to master both computers and Internet access. The social card of a pensioner in the Moscow region, accustomed to progress, hardly scared or surprised with its functions. You can even assume that only pleased.

The advantages of a bank card are beyond doubt

Which way or from which angle you look at the use of cards - they are still more profitable than cash or a passbook. If some of the pensioners can be frightened by the fact that when transferring and storing money under the book, they had the opportunity to receive interest from the bank, which they could lose by receiving a card, then everything was done correctly here - the required accruals on the account are made even when owning a card: 3.5% per annum, Sberbank accrues on the balance of the amount stored on it. In addition, retail outlets: shops, pharmacies, which are included in a list specially compiled and posted on the Sberbank website, provide pleasant discounts to their customers who pay with cards. For pensioners, they are 2-15% of the purchase price.

Another important advantage is that the pensioner's social card impliesits 24/7 use. In every settlement, including villages, there are Sberbank offices with installed ATMs, access to which is open all 24 hours.

A card, and more than one

When issuing a social card, bank consultants of each pensioner inform that they can also receive a few more cards for other people in addition to it. These can be grandchildren, children, and even neighbors who, in the interests of a pensioner, will pay for his utilities, withdraw cash and make other payments on it. In a word, it can be brought to those people who can be safely entrusted with their savings. Some older people, due to their physical condition, find it difficult to do shopping on their own, and some cannot always go for a pension. So Sberbank took care of them. The pensioner's social card allows them to simplify relations with both payments and their relatives who care for them. Quite often, additional cards are created for financial assistance to grandchildren - a certain part of the pension is transferred to them. To obtain additional plastic cards, you should contact the bank branch that manages the movement of funds on the account, where you can write a corresponding application. The amounts that will be transferred to other people can be strictly fixed, for greater reliability. This should also be reflected in the application.

Money under control

Cautious pensioners, even trusting their relatives,often would like to personally control their own savings: they come to the card or to the book. The issuance of social cards to pensioners is carried out with a mandatory notification that if you link a mobile bank to it, then for all operations that will be carried out on the card, a text message will be sent to the mobile phone, the number of which should be indicated in the application, indicating the amount of transactions. The phone in this case serves as an additional control device, the data from which can be checked at any time. Mobile banking is a paid service, but very convenient, and the fee is completely miserable: only 30 rubles a month. By the way, operations on the movement of money and on additional cards, which, upon application, are issued to the main ones, can be tied to the phone. Then the pensioner will be able to see how his entire pension is being spent.

Communication with cards. Training

People who have long had a certain attitude towards innovation, it is quite difficult to accept something that can radically change the daily course of their lives, even if these are pleasant and life-facilitating changes. The pensioner's social card refers to just such innovations. The main thing here is to make sure that everything is reliable. And after the pensioner overcomes the first doubts and personally appreciates the convenience of owning a card, you can teach him how to use it more widely, up to paying for purchases and services via the Internet. Sberbank also took on the role of educator by organizing the School of the Modern Pensioner, classes in which can be attended by any holder of a social card. Educationis carried out in the branches of the bank, and when and where exactly, you can find out at its nearest branch, both in person and by calling. In addition, an army of Sberbank consultants is called upon to perform all the necessary card transactions, there are several of them in each operating room, and any client of the institution, if necessary, can turn to them for assistance.

To Sberbank with a card

To find out where and how to get a pensioner's social card, you won't need to make any special efforts - just go to any of the Sberbank offices with your passport and pension certificate. Of course, it is best to choose the closest to the place of residence, since from time to time you will have to visit there. A social card is issued only to those elderly people who have already issued their pension in accordance with all the rules and can confirm it with the relevant documents - for Sberbank, a regular pensioner's certificate is enough.

Filling out and signing in the office just two documents: an application form for obtaining a card and an application for transferring a pension to it, the elderly thereby carry out all the actions that are required of them to purchase "plastic". Everything else, including resolving the issue with the pension fund, is the responsibility of bank employees.

Replacement upon expiration or loss

Social card is valid for three years. The expiration date of its use, if desired, can always be resurrected in memory - on the front side of the "plastic" it is indicated with the designation of the year and month of the periodendings. It is important to remember that the card is valid until the last (inclusive) calendar day of the month. Then, if desired, you can re-register it. In order to carry out all the re-registration actions correctly and on time, it is better at the beginning of the month, when the term of use expires, to go to the Sberbank branch where the plastic was issued and find out in advance how to extend the social card to pensioners. The bank may independently initiate an automatic reissue of the card, but if the client did not want to use it in the future, he must notify the employees of the financial institution at least 60 calendar days before the expiration date of the current card. If you lose "plastic", you should inform the bank as soon as possible.

If anyone still doubts

In addition to all the advantages that have already been mentioned, when using a card, you can also accumulate points from the bank itself. "Maestro" cards of the "Social" series are included in the special bonus promotion "Thank you from Sberbank", according to which any purchase paid for by a card is credited with bonus points in the amount of half a percent of the purchase amount. These points, after a sufficient amount of money has been accumulated, can be used when purchasing the product you like at one of the outlets, which is a partner of Sberbank. And, of course, the pensioner's social card "Maestro" will be indispensable for long trips, for example, when traveling. In any locality in our country and in almost every big city abroadthere are branches of the Savings Bank of Russia, and in some cities there are more than one, where you can cash out the amount available on the account from the card, pay for purchases, accommodation and other services with it. And at the same time - no worries about losing money!

Simplifies and develops

Progress makes our lives more comfortable. And managing it in the presence of "smart" gadgets is much more convenient. The younger generation of Russians understood and accepted this a long time ago, it is their grandparents' turn. To see for yourself how ready they are to accept something new, you should visit Sberbank. The pensioner's social card, contrary to skeptics, many of its users liked it. People willingly remove her pension, pay utility bills, transfer money to her children and grandchildren. Of course, there is always a consultant nearby, but many older people are able to carry out simple operations themselves.

Some admit that with the advent of a mobile phone, the Internet with its convenient options, a bank card, they got rid of the need to stand in lines on the day of pension payment, no matter how they feel, or sit by the window waiting postman. Having tried the properties of the card once, many people stop on it.