How to transfer a pension to a Sberbank card? Pension to Sberbank card: bank program for the elderly

2024 Author: Howard Calhoun | [email protected]. Last modified: 2024-01-17 18:37

Of all social groups of the population, Russia has the most pensioners. Every month, the state transfers a cash allowance to them. There are several options for receiving funds. You can apply with a passbook to a bank branch and stand in line waiting for the payment. For some categories of citizens, postmen bring money home. But both of these options are not very convenient, since you have to spend a lot of time. It is better to use a bank card. You can apply for it at any financial institution. For more information on how to transfer a pension to a Sberbank card, read on.

Benefits

Sberbank is the largest and most stable credit institution in Russia, which provides its customers with great opportunities compared to other similar institutions. For pensioners, it is importantdetails:

• Sberbank is a government organization. In the event of economic shocks, the likelihood of its liquidation is minimal.
• Sberbank is the leader in the number of branches in Russia and one of the ten largest chains in the world. That is, you can withdraw funds from the card without commission in almost any locality in the country.
• A credit institution provides its customers with a remote account service. However, not all pensioners are ready to master modern Internet technologies. But it will not be difficult for them to receive SMS notifications about card transactions.
• Specially for this category of citizens, the "Social card" of Sberbank was developed. The pension is credited to her without commissions.

Payment instrument

"Social" is a Maestro category debit card. There are no special privileges for its use abroad. But within the network of a credit institution, you can:

1. Automatically and regularly receive a pension on a Sberbank card.

2. Free to use the payment tool.

3. Withdraw and credit money to the card through ATMs quickly and at any time of the day.

4. Receive an additional income of 3.5% per annum on the balance of the account.

5. Participate in the "Thank you" bonus program - purchase goods at discounted prices in pharmacies and partner stores.

Procedure for clearance

To receive a pension on a Sberbank card, you need:

• Apply to the branch with a certificate andpassport.
• Apply for a card issue.
• Get a printout with account details.
• Cards are issued within two weeks. To get a payment instrument, you will have to re-apply to the bank branch. In addition to plastic, the employee must issue an envelope with a pin code for withdrawing funds at terminals.

How to transfer a pension to a Sberbank card?

It is necessary to submit an application in two copies to the territorial office of the Pension Fund. It contains the details of the card, the full name of the recipient, the name of the bank. A copy of the pensioner's passbook and a certificate of opening an account are attached to the document. One copy remains in the PF. The second should have a mark with the number and date of registration of the message. Here you should indicate all the documents that were transferred to the PF. If an application for transferring a pension to a Sberbank card is submitted a few days before the next payment, then most likely the money will be transferred as early as next month.

After the application is completed, the terms of payments change. If the pensioner received the allowance on the 12th-13th day of each month, then the transfer of the pension to the Sberbank card may be delayed for 5 days. The FBO must distribute the funds in the accounts evenly.

Service details

The commission for opening an account is 10 rubles.

The Bank provides its customers with the service of SMS informing about the transfer of funds. For holders of the "Social" card, no fee is charged for the first three months. For subsequent maintenance, you will have to pay 30 rubles / month.

Cardholders get access to a terminal through which they can transfer their pension to a relative's Sberbank card, pay utility bills, top up a phone, and send other payments.

Reverse procedure

If for some reason a pensioner does not want to receive money on a Sberbank card, then you can redirect. There are two scenarios for the development of events.

First: the "Pension Plus" deposit has not yet been closed, and the passbook is in hand. In this case, it is necessary to visit the PF and write a refusal to transfer benefits to a bank account. After receiving the payment to the passbook, you must close the account with a credit institution. As a result of such an operation, the pension will not be transferred to the Sberbank card.

Second: the passbook has been archived. In this case, it all depends on the circumstances. You can re-register the service for any other credit institution with which the PF cooperates. If this option does not work, then you will have to write an application for benefits at the local post office. In any case, it is better to resolve the issue through the PF. Bank employees will not process redirection.

Contributions

There is another reason why you should be interested in the question of how to transfer a pension to a Sberbank card. The credit organization offers this category of the population to place the accumulated funds on deposits with favorable conditions:

- high interest rate;

- insurancesavings;

- the ability to monthly transfer the accumulated interest to the account;

- deposits can be replenished and extended.

In 2015, Sberbank canceled targeted deposits for pensioners. But the existing ones stipulate special conditions: the client receives the maximum rate for the selected program. Money can be deposited into an account in rubles, dollars or euros at the cash desk of a branch or through Sberbank Online@yn.

Contribution	Minimum amount	Replenishment	Withdrawal	Interest calculation
"Save"	1k RUB/100 USD/100 EUR	Not available		Monthly
"Top up"		Cash: 1 thousand rubles / 100 US dollars / 100 euros. Bank transfer - unlimited.	Not available
Pension Plus	1 ruble	Unlimited	Up to the minimum balance amount	Quarterly

The interest rate in rubles, taking into account the prolongation and capitalization of the deposit, varies within the following limits:

• Keep it: 9, 7-10, 29%;
• "Replenish": 10, 05-9, 58%;
• Pension Plus: 3.5-3.55%.

Interests are low. If you wish, you can make a deposit in any other credit institution or put funds on savings certificates. Only in the first case, you will have to look for a reliable bank, and in the second, remember thatinvestments even under 13.25% per annum are not insured.

If these same deposits are made through Internet banking, then the conditions for calculating interest do not change, but the rates themselves increase:

• "Save Online": 10, 5-11, 34%;
• "Top up Online": 11-10, 61% (for three years).

Besides, a pensioner, making any deposit in Sberbank, enjoys a kind of bonuses:

- receives savings book;

- can apply for the service of transferring accumulated interest to the card and use it free of charge during the first year of service;

- does not pay taxes, as the interest on deposits is below the refinancing rate;

- can renew the deposit without reissuing the contract.

Conclusion

Once a month, the state transfers a cash benefit to the pensioner's account. To get it, you used to have to stand in line at the post office. Now credit organizations offer customers to issue a payment instrument to receive benefits. How to transfer a pension to a Sberbank card? You must contact the branch of a financial institution with a certificate and passport and apply. The card will be ready in two weeks.