2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Sberbank is the largest commercial bank in Russia. Among the services for individuals are the issuance and maintenance of debit and credit cards, settlement and cash services, lending and currency exchange. Among the debit cards of Sberbank for individuals, VISA, MasterCard, MIR are available. The only card, the annual maintenance of which will cost the bank's client 0 rubles, is the MIR card. It is about her that will be discussed below: features, advantages and disadvantages will be considered.
Pension card "MIR"
Created for individuals to receive pensions or other social benefits. Sberbank debit card with free service per year. It is also worth noting that 3.5% per annum is charged on the balance of funds on the card. The validity of the card is 5 years. The Sberbank debit card with free service does not provide for either an individual design or the possibility of issuing an additional card.
The card supports the contactless payment form, but it is not available for payment via Apple Pay, Samsung Pay, Google Play. The card is opened only in the ruble account. It is not possible to pay with a MIR debit card abroad.
Bonus program "THANK YOU"
For using the card - non-cash purchases - "THANK YOU" bonuses are awarded at the rate of 0.5% of points from the purchase amount directly by Sberbank and up to 20% of the purchase amount by partners. You can spend bonuses in more than 500 companies that are partners of Sberbank.
Bonuses "THANK YOU" can be exchanged for various coupons and discounts in partner companies. The full list can be found on the official website of the bonus program. Partners include taxi services, flower shops, grocery stores, pharmacies, medical centers.
Cash withdrawal limits from the card
Cash withdrawal from the card is limited by the limit: 50,000 rubles a day through an ATM and 50,000 rubles a day at a Sberbank branch. When withdrawing cash from a Sberbank debit card at an ATM of another bank, the commission will be 1% of the requested amount, but not less than 100 rubles. When withdrawing cash at the cash desks of branches of other banks, the commission will be 1% of the withdrawn amount, but not less than 150 rubles. When withdrawing an amount exceeding the specified limit, a commission is charged at the cash desk of Sberbank equal to 0.5% of the amount exceeding the limit. The maximum amount of cash withdrawal per month from the debitcard "MIR" is 500,000 rubles.
Card services: cost and features
Scheduled reissue is free. Reissuing a Sberbank debit card with free service in case of loss or change of data will cost the cardholder 30 rubles. Getting an extract (information about the last 10 card transactions) is free of charge. You can also get a report on withdrawals and receipts by e-mail for free. However, when checking the balance of funds at ATMs of third-party banks, you will have to pay 15 rubles.
Activation of a package of SMS notifications without information about transactions will be free of charge, and activation of a full package of SMS notifications for a user will cost 30 rubles per month, starting from the 3rd month. The first 2 months will be free.
Issuing and receiving a card
It is worth paying attention to how to get a Sberbank debit card. To do this, you need to contact any branch of the bank that serves individuals. To receive pension contributions to the card, you must write an application at the bank and provide a passport and a pension certificate. After a Sberbank debit card with free service is issued, a pension will be transferred to it every month. You do not need to apply to the pension fund. Card issuance time varies by region and averages 7 business days.
Blocking and unlocking the card
Sometimes there are situations when you urgently need to block the card. For example, whenits loss or theft. In this case, you must immediately call the bank and notify about the incident, the bank will immediately block the card. You can also block the card in your personal account "Sberbank Online" or through a mobile application. To do this, opposite the card, you must click the "Block" button.
Also, the bank can block the card on its own without a client's statement if it detects fraudulent activities or suspicious transactions. In order to receive the funds that remained on the blocked card, you must contact any branch of Sberbank. You need to have your passport with you.
You can also close the card of your own free will at any branch of the bank, for this you need to write a special application. The card account will be blocked after 30 calendar days. It is worth noting that after writing an application, it will no longer be possible to unblock accounts and a card. The bank will transfer the remaining funds to the details specified in the application.
Reviews on the Sberbank debit card with free service
Most recently, all users of Maestro bank debit cards issued by Sberbank were transferred to cards of the Russian MIR system. Most of those who actively use the Sberbank debit card for individuals were satisfied with the quality and convenience.
A significant drawback of the card, customers consider the inability to pay for purchases abroad, as well as the inability to make purchases in foreign Internetstores. For those who do not travel outside of Russia, this fact will not bring inconvenience. The disadvantages also include the impossibility of paying by card via phone, the impossibility of paying in foreign currency.
The big advantage of the card is free service. Most pensioners note that this is a really big plus for the card. Also, the pluses include the possibility of contactless payment.
Frequently Asked Questions
Most of the owners of the pension debit card "MIR" are wondering why, when replacing the Maestro card, they received the card of the national payment system. On the territory of Russia, the law "On the National Payment System" is in force, according to which all banks in our country are required to credit pensions, scholarships and benefits only to cards of the MIR payment system. Therefore, when reissuing by validity period, instead of a Maestro pension card, individuals are issued a MIR card.
Also very often you can find the question of whether it is necessary to issue a card only in the region where the person is registered. Sberbank notes that it is possible to order a standard Sberbank debit card in any region of the country, however, a social or pension card can only be obtained in the region where an individual has a residence permit.
After analyzing how to get a Sberbank debit card, we also looked at the advantages and disadvantages of MIR payment system cards. In addition, the bonus system of Sberbank, which has the name "THANK YOU", was considered.
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