2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
The MIR payment system from Sberbank makes it possible to perform a wide range of necessary banking actions, such as receiving, and in addition, depositing funds, paying for various goods and services, as well as making financial transfers from one payment instrument to another.
Description
Sberbank started issuing cards of the MIR payment system exactly a year ago. This was a welcome development as many financial institutions in Russia have been offering them to their clients for a long time.
Today, cards of the MIR payment system from Sberbank are issued exclusively in debit functionality. Credit card access will be available to customers next year as planned.
Terms and rates
Conditions for cards are provided in three options:
- Debit Classic Card.
- Gold Card.
- Pension card for social payments to pensioners and other low-income people.
The main feature of the card is that an account can only be opened in rubles, since this payment system is focused exclusively on transactions within our country.
Classic card of this payment system
A classic debit card of the MIR payment system from Sberbank has the right to receive absolutely anyone. At the same time, the following conditions and services are offered to the client:
- Free card issue.
- The cost of maintenance is seven hundred and fifty rubles for the first year. Further, four hundred and fifty rubles are paid for subsequent years.
- Commission for cash withdrawals at Sberbank terminals is not charged. One percent is charged for debiting funds at ATMs of other credit institutions. Reviews of the MIR payment system will be considered below.
- The full set of mobile banking options costs thirty rubles a month. The economy package is completely free for cardholders.
- The cash withdrawal limit is three hundred thousand per day and one and a half million per month.
- The limit on money transfers from the card is five hundred thousand rubles a day.
- Thank you bonuses from Sberbank are credited in the amount of half a percent of each purchased purchase.
- Providing contactless payment technology.
It should be noted that within the framework of the salary program, the issuance of a Sberbank MIR card is allowed in the free annual service mode. Therefore, with regard to thiscards use another name - payroll.
Gold card "MIR" from Sberbank
In Sberbank, customers can apply not only for a standard classic card, but also for the more prestigious MIR payment system. It is no secret that the elite status of the card will once again emphasize the high level of the client. With respect to the "golden" MIR card, the following conditions and tariffs for customers operate:
- Issue of a payment card is free of charge.
- Annual maintenance costs three thousand rubles a year.
- Cash debiting from ATMs is free of charge.
- Withdrawal limits are three hundred thousand rubles a day and three million a month.
- A complete set of mobile banking options is available to holders of "gold" cards for free.
- The bonus program called "Thank you" accrues half a percentage of each purchase, in addition to this, there are additional bonuses provided by program partners.
Sberbank: MIR pension card
The pension card of the MIR payment system from Sberbank is intended for a preferential group of citizens who receive pension accruals or other payments from social services. For this reason, the terms of service for such customers are preferential in comparison with other tariffs. This type of payment instrument is issued free of charge with a service life of five years. In order to receive such a payment instrument, you must meet a number of the following requirements:
- Be over eighteen.
- Be a citizen of Russia and be en titled to receive pension or other social benefits provided by the state.
- Have a permanent or temporary registration in Russia.
Benefits
Customers using MIR cards from Sberbank have the following benefits:
- Having a wide network of card acceptance throughout the country.
- Increased cashback, which is up to fifteen percent according to the Hello World program. True, it should be noted that today this project operates only in some regions.
- The ability to pay by card regardless of the current political situation. With the MIR payment system, such a risk simply cannot exist.
- The presence of modern and secure Russian technologies that are responsible for the security of payments.
- Users found that in Sberbank the price of the annual maintenance of the MIR card is the same as for classic products. True, the bank claims that in the future the situation will change for the better and the product will become cheaper.
True, its distribution is not too wide yet. It is quite difficult to find an ATM or terminal that can read a card these days.
The currency of the account is rubles, which is done in accordance with the policy of the national payment system. This is not always convenient.
You can only pay with it in Russia.
Much functionality needs improvement.
Reviews about the MIR payment system
What are customers saying? Today, consumers consider the MIR payment card from Sberbank to be a rather promising financial offer. For customers, this product, first of all, is good because the card is planned to distribute a bonus program from the developer throughout the country, which, no doubt, will make it possible to receive cashback for purchases up to fifteen percent. In the meantime, the above option has not come into effect, consumers are advised to use the MIR card for online payments, using the already proven LetyShop cashback service, which allows you to return part of the funds from purchases.
People also like the fact that several levels of the MIR national payment system from Sberbank: "Gold", "Social" and "Classic" - allow people with different levels of we alth and income to open and use cards. In addition, the use of the Russian payment system automatically insures people against geopolitical risks, that is, with regard to this line of cards, millions of Russian payment cards will not be blocked on instructions from the US authorities.
Disadvantages of the Mir payment system
The main disadvantages include:
- Small number of ATMs where you can withdraw cash without commission.
- Not all terminals accept it for payment.
- No bonuses and cashback.
- Can't pay online.
- Valid only in Russia.
We need to weigh all the pros and cons, only then make a choice.
Recommended:
Rating of bank cards: an overview of cards with the best conditions
To choose the best banking product, it is recommended to pay attention to the ratings of bank cards. They allow you to evaluate the benefits of credit cards and debit cards. This will speed up the selection process and allow the client to gain confidence in their decision
Sberbank cards: types. Sberbank: types of plastic cards
Due to the wide development of the card market, great opportunities are opening up for banking customers. In the conditions of fierce competition, credit institutions present products that have additional features and participate in partner programs. Sberbank is no exception here either and offers a wide range of classic-level cards, bonus, debit and credit cards. Now we will discuss the question of what Sberbank cards are
How the Visa payment system works. Payment systems Visa and Mastercard
The main features of the Visa and Mastercard payment systems. Currency conversion, as well as the rules for choosing a payment system based on the parameter of its use
Comparison of debit cards. The most profitable debit cards
This product is by default one of the most accessible banking instruments. Banks rarely refuse to issue cards. The most common reason for refusal is, as a rule, the lack of citizenship, along with a mismatch with the category of holders for which the plastic is specifically intended
How old do you have to be to get a bank card? Youth cards. Debit cards from 14 years old
More than a third of parents regularly give their children pocket money for personal expenses, another third do it from time to time. Schoolchildren and students up to 17 years of age receive most of the funds in the form of cash, but very few use plastic cards
