Sberbank Maestro social card is valid in Prague. Social card of Sberbank - Sberbank-Maestro “Social. Restrictions on using Sberbank social cards

Many pensioners prefer to interact with Sberbank to receive a pension, as with the most reliable state-owned bank in the country. Consider what the pros and cons of a Sberbank card for pensioners are, how much the card service costs, the benefits of the Active Age program, and also what cards a pensioner can issue, except for social.

Sberbank pension cards

Pensioners in Sberbank could issue any card of their choice: MIR, Maestro or MasterCard. According to the relevant law, today only MIR social cards are issued for the transfer of pensions. The issuance of Maestro and MasterCard cards for pensioners has been discontinued .

Maestro/Mastercard

For persons who still have them in their hands, the Sberbank pension card is replaced with a MIR card at the time of applying for reissue due to expiration or early (in case of loss, change of data, etc.).

WORLD

The MIR card is endowed with all the advantages of the above products so that the change of plastic does not cause inconvenience to the client, but it is also characterized by some disadvantages.

pros

Interest accrued on the balance of pensioners on a Sberbank card is the main advantage of the product. At the same time, there is no need to maintain any balance on the balance.

Interest is charged on social payments transferred by the Pension Fund, the Ministry of Internal Affairs, the Prosecutor's Office and other pension authorities.

Interest on the balance is calculated at a rate of 3.5% quarterly.

Other advantages of a card for pensioners in Sberbank include:

• Free use;
• The notification service is connected free of charge for the first 2 months. At the end of them, there is a preferential tariff - 30 rubles per month (for clients of other categories, the service costs 60 rubles);
• The pension is credited to the balance on the day of its accrual from the Pension Fund, without delay;
• It is possible to pay with a card at retail outlets and the Internet, as well as for housing and communal services and other services using Sberbank services remotely, free of charge or with a lower commission;
• Accumulation of points for purchases from the card within the Thank You program, which can be used to pay or receive a discount in stores and online platforms of partners;
• The owner of the MIR social card has access to the Active age service.

Additional advantages for pensioners in Sberbank are special tariffs for opening deposits. In particular, they are offered the highest interest rates provided for a certain type of deposit, regardless of the amount of funds deposited or the minimum balance maintained.

Minuses

Considering the disadvantages of the MIR card of Sberbank for pensioners, it is worth highlighting the inability to pay outside the country. It is also not provided to withdraw money abroad, even in subsidiaries of Sberbank itself.

In the reviews, the paid service of the Mobile Bank is called a minus, the cost of which does not suit pensioners, even despite the reduced rate. But do not forget about the availability, which is provided to everyone without charging a monthly fee.

The disadvantages also include:

• it is impossible to issue an additional card to the account;
• paid reissue due to loss of plastic (30 rubles);
• paid balance check at ATMs of other institutions (15 rubles at a time).

Conditions and cost of servicing the MIR social card

Issue and issuance of the card occurs without payment. The service cost is 0 rubles.

The MIR card is valid for 5 years. At the end of this period, a scheduled reissue occurs, for which payment is not charged.

In addition to those already mentioned, the card has the following terms of service:

• cash withdrawal limit: 50 rubles per day, 0.5 million - per month;
• commission for cash withdrawal: 0% when using a Sberbank ATM, 1% - in third-party machines;
• withdrawal of money in excess of the limit - only at the branch, with a surcharge of 0.5% on the excess amount;
• replenishment of the card account in cash through the cash desk or ATM: no commission.

How to get a card for a pensioner with interest on the balance

The instruction on how to transfer a pension to a Sberbank card for a pensioner has been simplified to make the procedure more comfortable.

Today, persons who meet certain requirements can apply for the issuance of a MIR pension card:

• a citizen of the Russian Federation, a foreigner, a stateless person who is legally entitled to a pension;
• registration of a permanent or temporary nature.

At the branch of Sberbank

First, you need to submit an application at the branch according to the place of registration in order to receive a Sberbank card.

It is necessary to present an identity card and a pension (or a document confirming the status of a pensioner). The production time of plastic is about 7-10 days. The client will be notified separately about the readiness of the product.

Order online

The second way to get a card is an additional plus of Sberbank, as it allows you to order it online. It is enough to go on the website to the section Social card for pensioners, where you can also read the terms of use, and go down the page.

Here is the online application form, in which you need to specify:

• personal data;
• surname in Latin letters (for printing on the map);
• contacts;
• passport information;
• address, place of registration.

After sending the form, you should wait for an SMS or a call from an employee to accept the application. The applicant will be invited to the office when the social card of Sberbank for a pensioner is ready.

How to transfer a pension to a MIR card for a pensioner

If you already have a card, such as a Maestro, which is receiving pension payments, and you want to use it for the time being, please continue.

You will receive a new card for free, to which the pension has already been transferred:

• When you lose/damage yours and need a reissue. They will release a national one, but with the same connected services, the balance and the same account. Those. nothing will change for you.
• When the card expires (it is usually designated as 07/18 - which means the card is valid until July 2018) - Sberbank will automatically issue a new card.

If you want to speed up the process and order the card yourself, then you need to transfer the payment of a pension to its account, for which you need to write an application and submit it in a convenient way:

• Branch of Sberbank;

How to cancel the MIR card

What you can opt out of:

• From Sberbank. If for some reason you are not satisfied with the bank itself, then you have the right to get a pension card in any other that issues MIR cards. The official website of the payment system lists 147 banks issuing the card (Article 136 of the Labor Code of the Russian Federation).
• From the map. You do not want to receive a pension or other payments to the MIR card, or you have always received money - in cash or in an account. In this case, you are not forced to use the World map, you can choose the method that is familiar to you.

Having compared the pros and cons of the MIR card, some wish to abandon it in favor of cards of the international format, endowed with great opportunities.

Today, there are no options for receiving a pension on a card and abandoning the MIR system. This is due to the requirement of the law, which regulates the transfer of budget payments to the cards of the national system.

In the first half of 2018, civil servants are forcibly transferred to this product, but there is no clear framework for pensioners. For them, the replacement is planned until 2020: at the time of the first registration or when the existing card is reissued (planned or voluntarily).

It is impossible to refuse to replace the card with a national payment one, but no one bothers to get any debit or credit card of a bank convenient for you, which can also be used abroad. You can independently transfer any amount from a social card to it. No commission is charged for transfers between your cards (if both cards are from Sberbank).

How to use a Sberbank pension card

A card for pensioners is no different from a standard debit card and allows you to perform all standard procedures:

• replenish;
• transfer funds to individuals and companies;
• pay for goods and services in person or online;
• withdraw cash.

Top up card

To replenish the MIR card of Sberbank for pensioners, you can choose any convenient option:

• Deposit money at the cash desk of Sberbank. It is required to name the card or account number, confirming your authority with a passport.
• Top up through a terminal or ATM.
• Transfer from another Sberbank card using Sberbank Online, Mobile Banking or ATM.
• Transfer from a card of a third-party issuer through its Internet bank.

If you refuse third-party resources and use the services and tools of Sberbank, the balance is replenished at no extra charge.

Send a transfer

To send a transfer to a pension card, you can use the above methods:

• . Go to Payments and transfers - to your card. Specify the card for debiting and crediting funds, as well as the amount of the operation.
• Mobile bank. Compose a message: TRANSFER, 4 extreme digits of the debit card number, 4 card characters for deposit, amount. Send to 900.
• ATM. Insert the card from which you want to send money. Go to Transfers, write down the card number to receive and the amount.

No commission is charged. Enrollment occurs instantly or within a few minutes, less often - up to a day.

If you need to send a transfer to a Sberbank pension card from a card of another institution, you can use its Internet bank and other tools offered by the institution. The transfer fee is in the order of 1% - but check the specific values ​​for your situation.

Service Active age

All holders of social cards for pensioners can use Active age tools and services.

Sberbank card Active age provides privileges when making deposits, Savings accounts, mortgages and some other Sberbank products, which we already mentioned earlier.

Courses

On the Sberbank website https://sberbankaktivno.ru, you can also take courses that will help you find yourself, get rid of the worries and anxieties caused by a change in lifestyle, set up relationships with loved ones and enjoy going on vacation.

Courses are provided online in the form of articles, videos and exercises. Only MasterCard card holders will be able to complete the full course, for which you will need to enter its number in the corresponding window.

You can also try a trial course without a card. At the same time, access to information is not limited within 10 days.

Health

In the Health section, Sberbank pension card holders are offered to make an appointment with a specialist based on his rating and reviews.

The search can be carried out by locality, doctor category, cost of admission and other important aspects. To sign up, just enter your name and phone number on the form. Having received a call, it remains only to specify a convenient time for visiting a specialist.

They also offer a service that will help identify the necessary specialist based on the symptoms specified by the user. The tool can only be used by MasterCard cardholders (access by number).

Other debit and credit cards for seniors

In addition to a card for receiving a pension, a pensioner has the right to issue any Sberbank card available in the range or several, if necessary.

The proposed Sberbank cards for pensioners differ in status, type and additional features:

• Credit, debit.
• MasterCard, Visa, MIR.
• Classic, golden, premium.
• for card payments. Miles can be used to purchase tickets, improve the status of service at airports, and more.
• Give life: to participate in charity.

Also, a pensioner can be offered a card with a pre-approved credit limit, which is calculated individually, based on the amount of his income.

Conclusion

The Sberbank card for pensioners has its pros and cons, but is reliable for calculating pensions. You can refuse it or choose another one, but with great restrictions. In Sberbank, a card for pensioners with interest accrual has free service, and also provides a number of privileges: deposits with maximum interest, mortgages at a convenient rate, etc. Additional benefits are provided by Sberbank's Active Age service. The main disadvantage of the MIR card is the restriction of use abroad.

There are a lot of debit cards in Sberbank of Russia, but even status cards cannot boast of the opportunities that are provided to owners of Maestro "Social" plastic. This is the best option for crediting and maintaining a pension / allowance with the possibility of accruing interest on the account balance. You can pay with the card in stores, make purchases via the Internet, etc. Let's talk about her today.

The cost of servicing the "Social" card

To receive such plastic, the client must come to the branch of Sberbank of Russia with a passport and write a corresponding application for release. If the card is needed to transfer the old-age pension, then it is necessary to provide a pension certificate. In this case, interest will be charged on the account balance for greater profitability.

Release and maintenance Social debit card of Sberbank absolutely free, valid for 3 years. But if you want to get additional plastic, you will have to pay, albeit a little.

Reissue due to expired will be free of charge.

As for the cost of other operations (balance inquiry, account statement, etc.), all of them are also free.

But for an unauthorized overdraft, penalties are charged in the amount of 40% per annum from the minus.

Internet banking upon receipt of a Sberbank Social Card

All owners of the bank's debit cards can connect to the Sberbank Online @ yn and Mobile Bank systems.

To connect to Internet banking, the plastic owner must receive a temporary login and password for authorization in the system. The easiest way to get it is at an ATM / cash point of Sberbank by selecting the appropriate tabs in the menu.

Here I would like to immediately note that logging into the Internet bank without connecting the Mobile Bank is impossible. So the first step is to connect it. The client is given 2 tariffs to choose from: “Full” and “Economic”.

In the first case, when performing any card transaction (crediting, debiting, paying, 3D-Secure), SMS messages with detailed information will be received, and the cost of monthly maintenance will be minimal.

The Economy package is free, but you will not receive SMS messages about transactions, but you will receive messages with 3D-Secure codes necessary to enter the Internet bank and make transactions in it.

When you first enter Sberbank Online, you need to change your login and password by inventing new ones. All transactions made via the Internet are confirmed using a five-digit 3D-Secure code that comes to the phone. It must be entered in the appropriate field, and only after that the operation will be successful. Through the Internet banking of Sberbank, you can make any payments (utilities, Internet, telephony, taxes, fines, etc.)

Cash withdrawal fee

To begin with, it is worth mentioning that the "Social" card is intended for transactions only at Sberbank ATMs. Third-party terminals simply will not accept it.

Accordingly, any operations for debiting and crediting funds at ATMs, branches and cash desks of Sberbank will be free.

Transfer to the "Social" card - where can I find the details?

The plastic number is located on its front side and consists of 16 or 18 digits. Knowing the combination of these numbers, you can replenish the card at an ATM or bank branch. If you need to find out the account number to which the card is attached, then you can call the Sberbank hotline at the toll-free number - 88005555550. Here you will need to answer some questions, provide a code word or other personal information. This is necessary to identify the client. You can also check the account number in the Internet bank.

If you need to find out the TIN, BIC or other details of the bank, then you can see them in the "About the Bank" tab on the main page of the official website on the Internet.

Cashback and interest on account balance

Pensioners-owners of the Sberbank Social Card are entitled to accrue interest on the balance. Other holders of this card who receive benefits, disability pension, etc., do not receive interest on the balance.

As for cashback, there is none. However, each owner can connect the "Thank you from Sberbank" bonus program. You can become a member of the program for free by connecting to the service through an ATM or Internet banking. According to the terms, for all debit card transactions made in stores, a "THANK YOU" bonus is credited in the form of 0.5% of the amount to a special account. One bonus point is equal to 1 ruble. Points from the bonus account can be spent by paying for purchases in partner stores.

Cons of a Sberbank debit card

At "Social" debit card of Sberbank there is only 1 significant drawback - it does not work in ATMs of third-party banks. This means that if Sberbank ATMs suddenly stop working in your city (fantastic, but still), then you will not be able to withdraw money. Otherwise, the card has some pluses. Judge for yourself: free issuance and maintenance, all operations are commission-free, and the possibilities are like a regular debit card of any other bank.

It is not for nothing that the Maestro Sberbank card is very popular: it is easy to get, it is convenient and profitable to use it. The Maestro bank card is the card of the lowest level, however, the “Social” from Sberbank loses a little to the standard classic, being a unique card in its row.

We have prepared a review-instruction for you, from which you will learn everything “from” and “to”: registration, activation, possibilities of the Maestro Sberbank card. We have tried to answer all the questions you might have about this product.

What does the Sberbank Maestro card look like?

There are 2 types of Maestro cards issued by the bank.

• Maestro "Momentum"

• Maestro "Social"

"Momentum" is an unnamed card without the name of the owner, which is issued for a while until the bank issues standard plastic. Do not confuse it with "Social": 2 main factors will help you distinguish plastic: the image (daisies on a green background) and the presence of the owner's initials on the card.

Why and who needs this card?

The Sberbank Maestro social debit card is opened by various categories of customers from students to pensioners. A card with free service attracts all segments of the population to pay for services with Maestro Sberbank cards without commission: utilities, fines, online purchases.

Beneficiaries and recipients of state payments use the Sberbank Maestro card as a pension: instead of going to the post office every month for money, payments are made to this card:

• Benefits;
• Compensation;
• Scholarships;
• Pensions;
• Tax refund.

All payments for which passbooks were previously used can now be received in a more convenient mode - to a bank card.

The international card of Sberbank of Russia Maestro "Social" can be used to take money with you on a trip, as a subsidiary network of Sberbank operates around the world, providing preferential services for our cards abroad. For example, in 2014-2015, tourists vacationing in Turkey during the season could withdraw money from Deniz Bank at Sberbank's home rates.

A maestro card is often issued for making profitable money transfers online, for and in order to receive discounts on the Sberbank social card (in many stores, owners of a "card with daisies" automatically receive a 5-10% discount).

How much does it cost to service a Sberbank Maestro card?

The annual maintenance of the Sberbank Maestro card is completely free. You only pay for additional services if you need them (SMS alert - full version).

The first 3 months the full version of the mobile bank is provided to the cardholder free of charge, from the 4th month you will be charged a commission of 60 rubles. To avoid this and continue using the card absolutely free of charge, simply change the Full package of the mobile bank to Economy.

How to apply for a Sberbank "Social" card?

Perhaps there is nothing easier than getting a Sberbank Social card: you just come to the branch with your passport and sign an application prepared by the teller. On the same day, an account will be opened for you and its details will be issued. The plastic itself will come to the same bank branch in 7-10 days.

While you are waiting for the card, you can already use the account - for example, transfer a pension to it.

How to activate a Maestro Sberbank card?

As a rule, employees themselves activate the card upon issuance and help you create a pin code. By the way - this is very convenient: you can choose those 4 numbers that you remember for sure.

If suddenly you were given a card without activation, call the free call center and create a pin code yourself.

How to use the Sberbank Maestro card?

The process of using the card is no different from other plastic cards. You can:

• Pay with it in stores (the card is inserted with a chip into the terminal and requires a PIN code);
• Pay for purchases in online stores (the card has standard details and the ability to pay by number, initials of the owner and CVC code on the back);
• By registering with, the Maestro card will allow you to pay for utilities, fines, school meals, taxes, television, security, etc. without commission.
• Send and receive transfers throughout Russia - within the region without a commission, to other regions with a minimum surcharge of 1% (via Internet banking) and 1.5% through a branch.
• Save and withdraw cash at any of the bank's 30,000 ATMs;
• Open additional accounts and deposits.

Social card limits

Like any other card, "Social" has restrictive limits on cash withdrawals:

• Through the bank's cash desk - up to 150,000 rubles per day (over 150 thousand - a commission of 0.5% of the amount exceeding the limit);
• Through an ATM - up to 150,000 rubles per day (over 150 thousand - a commission of 0.5% of the amount exceeding the limit);
• The monthly withdrawal limit is 5 million rubles.

Please note: you can withdraw cash for free only at Sberbank ATMs! Other ATMs will take 1%, at least 150 rubles for each transaction!

Pros and cons of the card

There are definitely more advantages:

• Free service;
• Sufficient limits;
• Wide functionality of possibilities;
• Payment for goods and services without commission (in a number of stores with discounts);
• Participation in the bonus program "Thank you".

Cons are not significant:

• "Non-representative" card class;
• The daily limit of 150,000 rubles will seem small to some;
• Lack of PayPass contactless payment technology.

Conclusion:

In fact, by issuing a Social Card, you get all the features of a classic Visa or MasterCard. But at the same time, do not pay 700 rubles a year for maintenance, but use the card absolutely free of charge.

Active use of a debit card is the basis for a bank's preferential loan offer: if you show a stable monthly turnover, the bank will give you the first in 3-4 months.

The Maestro social card is an entry-level card, and by issuing it, Sberbank sought to increase the number of its customers and gradually attract citizens of retirement age to use bank cards, thereby covering a new, fairly wide segment of the population. It is simple and easy to use, despite the fact that it has some limitations.

Page content

It should be noted that social cards for the population were developed and issued by Sberbank for the following purposes:

• reduce queues at the cash desks of Sberbank (many payments can be made through ATMs or via the Internet);
• to improve the quality of public service in, creating comfortable conditions for customers and reducing their time spent on solving financial issues;
• reduce additional financial costs for the issuance and maintenance of savings books, the relevance of which is gradually declining.

Possibilities of social cards of Sberbank

Social cards are not much different from other debit cards issued by Sberbank. However, each banking product has its own advantages and disadvantages.

Maestro plastic cards provide the following features:

1. it is possible, both in cash and non-cash method:
   • carrying cash through payment terminals or ATMs that have the function of accepting cash;
   • replenishment of the card at a bank branch through an employee (for this you need to give the card number and provide a passport or give the account number and details of the territorial branch of the Bank where the card was issued);
   • replenishment of the card by bank transfer from another debit card of Sberbank or a third-party credit organization (using services, an SMS system or through ATMs and payment terminals).
2. you can withdraw cash from the card at Sberbank ATMs without commission;
3. you can make cashless payments in various stores, institutions, through ATMs or terminals;
4. you can conduct various monetary transactions through the phone using mobile applications;
5. you can connect the "" service, which will automatically make monthly payments for utilities, telephone, Internet, and pay loans in a timely manner;
6. the connected service "" makes it possible to monitor all transactions on the card through SMS notifications that will be sent to your phone number;
7. the card is serviced outside the Russian Federation in subsidiary banks in such countries as Ukraine, Belarus, Kazakhstan, Turkey, Switzerland and others.

The Sberbank-Maestro "Social" card can be obtained by citizens who receive a pension upon reaching the appropriate age, either due to the loss of a breadwinner, or due to disability and who have permanent registration in the Russian Federation.

Sequencing:

1. Apply to any nearest branch of Sberbank with a passport and a document confirming the receipt of a pension.
2. Write and sign an application of the established form for issuing a social card (bank employees will definitely help you fill out the application correctly).
3. The card is issued within 10 days after the bank makes a positive decision on the possibility of issuing it. On the appointed day, you need to pick up the card.
4. After receiving, you need to contact the Pension Fund at the place of registration and write a corresponding application stating that you want to receive your pension on the social card of Sberbank, indicating the necessary card details.

Poll: Are you satisfied with the quality of services provided by Sberbank in general?

YesNot

Card Benefits

• card service is free;
• the balance of funds on the card is charged with increased interest in the amount of 3.5% per annum. Enrollment is made every three months;
• the possibility of issuing additional cards, including a children's card from Sberbank, which is issued to children from the age of 7 with the permission of their parents;
• the ability to manage your balance via the Internet using the Sberbank-Online system;
• discounts and special offers from the MasterCard system, which saves up to 12% when buying necessary goods;
• cash withdrawals in Russia and at ATMs of subsidiary banks on the same terms;
• the opportunity to participate in the bonus program (10% of purchases made on the card are returned to the account in the form of bonus points that can be spent on new purchases);
• the ability to connect the "Autopayment" service for automated payment of utility bills, replenishment of a mobile phone account and the Internet.

Tariffs for servicing pension cards

• maintenance of the main card - free of charge;
• maintenance of an additional card - 150 rubles per year;
• reissue upon expiration - free of charge;
• commission due to loss or loss of the pin code - 30 rubles;
• daily limit for cash withdrawal at the box office or ATMs - 50 thousand rubles;
• monthly cash withdrawal limit - 500,000 rubles (a commission of 0.5% is charged for cash withdrawals in excess of the limit);

Disadvantages of a pension card from Sberbank

Social card "Maestro" has some limitations:

• it is serviced at Sberbank branches only on the territory of the Russian Federation (abroad, at ATMs of subsidiary banks, if any, you can withdraw only cash and nothing more);
• card transactions are carried out only in rubles;
• only a pension is credited to a card of this type (even if a pensioner works, his salary cannot be credited to the specified social card);
• the social card is an initial type card, therefore there are no CVV2 / CVC2 codes on it, and, accordingly, it is impossible to pay for purchases on the Internet (but you can replenish accounts and make transfers via the Internet);

This card is intended for pensioners, so the disadvantages described above are not as significant for them as they are for young people and middle-aged citizens. Many elderly people are unlikely to make purchases via the Internet, especially in a different currency, and besides, few of them continue to work. The main advantages of the card for pensioners are its free service, accrual of interest on the balance of funds at an increased rate, the possibility of issuing an additional card for relatives at reduced service rates, the ability to track card transactions through the Mobile Bank and the possibility of cashless payments in stores. The card is issued quickly and easily, valid for 3 years, serviced at reduced rates.

Any bank card belongs to a certain payment system. The most common types are Visa and MasterCard. Cards that have the emblems of these companies have full functionality. Also, each of the systems has a "simplified" version, for Mastercard - this is Maestro. Sberbank, like many others, issues cards of this type on preferential terms. Distinctive features of plastic are availability, low cost of maintenance and full access to the Internet banking system.

The Maestro card is in the nature of an electronic card, and therefore its capabilities are limited. In most cases, this is a debit card, Maestro credit cards are issued only in special cases. Often this product is used as payroll projects or for calculating social benefits and pensions. It is also often used as an additional one, due to its affordable price and ease of use.

This product is very limited in functionality, it is considered to be an entry-level plastic. In this regard, the cost of annual maintenance does not exceed 300 rubles. Although the bank has the right to set the tariff on its own, you can find free suggestions, for example - in Sberbank.

A Sberbank Momentum plastic card can be obtained in 15 minutes. The cost of issue and maintenance is 0 rubles.

Externally, the card has characteristic embossed numbers, and is also equipped with a magnetic stripe or a chip. The features of the Maestro card from Sberbank include:

• Nameless card. The name of the owner is not indicated on the plastic.
• The contract can be drawn up from the age of 14.
• Unlike Visa or Mastercard, there are only 18 digits on the plastic.
• It is not possible to use the Pay Pass service, which allows you to make contactless payments. When making purchases and withdrawing money, you must enter the pin code each time.
• There are no numbers on the back for online transactions, online payments can be made through third-party services.

The difference between payment systems

Often, when issuing a bank card, users do not pay attention to the payment system, although it differs from one another in a significant way. For example, Mastercard is distributed in almost all countries of the world.

Difference from Mastercard

Using a card with this logo, you can make purchases without a doubt that plastic will not be accepted. Maestro, rather, is an additional service provided by MasterCard. Payment systems have a similar logo, which characterizes their belonging to the same group of companies, confirming the status of a reliable service.

Maestro's transactions must be confirmed online. This can be done by entering a pin code or the customer's signature. Mastercard, on the other hand, involves the operation at the expense of the bank. The financial company registers transactions in the internal system and carries out the closing of the day at night, transferring information to the processing of the payment system.

As a rule, MasterCard is a personalized card with all the ensuing benefits. It can be used abroad, receive credit funds. The Maestro has limited options.

Comparison with Visa

Visa is similar to MasterCard and most of the points will be the same. Therefore, it is more logical to compare Maestro with Visa Electron.

• Electron, like Maestro, is well suited for shopping at retail outlets within the country.
• The Visa has only 16 characters on the plastic.
• When paying for goods, the system will not ask for a pin code, unlike Maestro cards.
• The correct application of the Visa is its use in countries where dollar settlements are carried out, cards from MasterCard are suitable for settlements in euros.
• Electron allows you to make Internet transactions with the support of the banking system, which transfers data to processing. Using Maestro, you can pay for goods on the Web only using Pay Pal or a MasterCard card linked to Maestro.

Maestro pension cards

Sberbank is the issuer of the Maestro card. Basically, the company uses this payment system for social money transfers. It is worth noting that, according to the instructions of the Central Bank, commercial banks will be required to use the payment system The world for social security payments in 2018. At the moment, the bank has several programs with the Maestro system.

In case of receiving a pension, 3.5 percent per annum is charged on the balance of the account. At the same time, such replenishment is carried out not by a bank, but by a pension fund.

Available in full personal account service where you can control the flow of funds, pay fines, utility bills, apply for an online loan and connect auto payment templates.

The card is equipped with a chip and meets the requirements of the Central Bank. You can withdraw and replenish money to a personal card through an online account or technical devices, Sberbank cash desks. It is also acceptable to use third-party services to transfer money to the account, for example, deposit funds through the Golden Crown system or other banks.

The cost of SMS alerts is charged on a preferential basis and is only 30 rubles per month.

You can withdraw cash without commission directly through Sberbank. At the same time, a monthly limit of 500,000 rubles and a daily limit of 50,000 rubles were set. Money can be withdrawn both through cash desks and through Sberbank ATMs. There are no restrictions on purchase transactions. The validity period of plastic is 5 years.

Card features

To obtain a card, it is enough to make an application at the bank office or through the website. Of the documents you need only a passport. The bank will inform you about the readiness of the plastic within 3 days, after which you can get a card. Momentum is issued upon application, it can be picked up by filling out the contract, but Mastercard can also be instant.

This product is suitable for use in the domestic market. The technical capabilities of ATMs and terminals in stores allow you to make payments and withdraw money. The card can be used as an additional account for children, since registration is possible from the age of 7.

Under the terms of the Sberbank Online service, transfers from cards of any payment systems issued by the bank are carried out instantly and without commission.

For travel and business trips, it is better to use products from Visa and Mastercard. Firstly, technical devices that are capable of reading information from the Maestro are not installed everywhere. Secondly, if there is no name on the card, then abroad the seller has the right refuse to operate.

It is also often difficult to pay online. Most payment aggregators are not ready to accept Maestro. This does not mean that this product has a ban on Internet transactions, you can pay on the Web, but not everywhere. Therefore, it is recommended to use Maestro as a pocket card for purchases in local stores, since Sberbank offers a convenient service in the form of a “Thank you from Sberbank” cashback.