Maestro Sberbank debit card. Maestro card of Sberbank of Russia - advantages and disadvantages. Discounts from partners - benefits of the Maestro social card

The Maestro plastic card has become a very popular tool for cashless payments. Often, Sberbank issues such cards to holders of pension deposits. However, many users still ask the question: Does the Maestro belong to the "Visa" or "Mastercard" payment system?

We will answer right away: Maestro belongs to the MasterCard system and has an international status.

By purchasing the Maestro, you will receive a debit card of the simplest level. It gives the owner access to the non-cash use of personal funds. Having issued a card, you can make money transfers, pay for purchases and manage your account through your personal account in the Sberbank Online system.

Another popular question of the bank's clients: how much does the annual service of the Maestro card cost? It is considered a budget product. The annual service fee does not exceed 300 rubles. The product is given out to pensioners free of charge.

Like most similar products, the Maestro debit card lasts for 3 years. After this time, you should reissue.

Each variation of a banking product has unique properties. We will consider them in this article.

Features and Features

The possibilities of the Maestro Sberbank card are quite extensive. Despite the fact that the card is a budget option, it supports all standard operations.

This means that after the card is issued, you will receive the following opportunities:

• Independent choice of currency for storing funds.
• Advantage of remote account management via Mobile Bank or Sberbank Online.
• Customer loyalty system.
• Withdrawing funds from ATMs of Sberbank of Russia and other financial systems. However, when withdrawing money from ATMs of third-party organizations, a commission will be charged from the holder.
• Cash withdrawals abroad at ATMs that cooperate with Sberbank.
• Transfer of funds between accounts.
• Using the "Auto Payment" option, which allows you to automatically replenish your cell phone account or pay for utility bills.
• Cashless payments for purchases both on the territory of our country and abroad.
• Payment for purchases via the Internet.

Among the features of the Maestro card, the following are worth highlighting:

• As an instant delivery product, it is not always personal. However, on salary and pension cards, the owner's name and surname must be indicated without fail.
• Individuals under the age of 14 cannot open their own accounts.
• The card number consists of eighteen numbers.
• Any transaction requires authorization by entering a pin code.
• The Maestro Sberbank debit card, issued before 2014, did not have a security code such as CVV2, CVC2, which must be used for online payment. The security of this type of cards was ensured by the Secure Code system. Today, depositing funds for purchasing goods via the Internet is hardly possible without entering the CVV2, CVC2 code.
• Within thirty days, you can withdraw no more than 500 thousand rubles. The daily limit is only 50 thousand rubles.

What the map looks like can be seen in the photo below:

Maestro, Visa or Mastercard: which to choose?

Most owners are usually not aware of the differences in payment systems. The selection of banking services is based on superficial knowledge of the main features of each card. In fact, there are a number of differences between payment systems. Let's consider them in more detail.

Differences between Maestro and Mastercard. Mastercard is an international payment system that operates in most countries of the world. The system includes several brands. In other words, Maestro is one of the services of the Mastercard system, which appeared in the nineties. Whereas the system itself was formed in the late 70s. Authorization of payments on the Maestro card in Sberbank is carried out only during online transactions.

Other services allow offline authorization or voice confirmation. The first option implies instant confirmation of the payment: the necessary funds will be withdrawn from your account, and information about their debiting will be delivered to the bank at the end of the working day. Voice authorization is a confirmation of payment by a cashier over the phone. He contacts the bank security service and confirms your payment. This service is not new and is outdated. However, in some cases it is still used today.

Differences between Visa and Maestro. Visa, by analogy with Mastercard, is a payment system that consists of many brands. Visa or Mastercard - it's up to you to choose. However, it is worth noting that in the Visa payment system there is also a card that is analogous to Maestro - this is Visa Electron. Unlike the Maestro, the Visa card has a number of 16 characters. Visa Electron allows you to pay for goods without entering a pin code.

The visa is used to exchange currency for dollars. While the bank card of Maestro Sberbank is in euros.

With the Visa card, you can pay for purchases on the Internet. This option is managed by the bank. Electronic purchases using Maestro will be possible only if you have connected options such as access to the PayPal system.

As you can see, there is a difference. Bank employees will help you decide which option suits you best.

How to register?

In order to become the owner of a Maestro Sberbank plastic card, you must meet certain banking requirements. The main one is that you must be a citizen of the Russian Federation at the age of fourteen. From the documents you only need a passport.

How do I get a card? This can be done in two ways:

Most often, the Maestro card is issued in order to receive various types of payments. For example, it can be a salary or. However, in some cases, it becomes necessary to replenish the account using cash.

In these situations, they resort to such methods of replenishing the balance as:

• Transfer of finance from one account to another using electronic services.
• Transfer from plastic of another bank.
• Balance replenishment using an ATM or terminal.

In addition to the question of replenishing the card, it may be necessary to detail the movement of funds. Such information can be obtained through electronic services, or by ordering a monthly distribution of the report. This service is usually free.

Maestro's Sberbank card is a very popular product in our country. In order to personalize it as much as possible, the bank produces several types for different segments of the population. On social cards, you can often even find a photograph of the owner.

By itself, the Maestro debit card is one of the most primitive cards of the MasterCard payment system. Despite the fact that Maestro is considered a separate payment system, it is still part of MasterCard. The card itself has some restrictions on services, as well as on some financial issues, which we will discuss below in this article.

What is Maestro?

A Maestro debit card is a card that has certain details and is linked to a debit account with a bank, where you can store your funds, spend them and make various transfers through the Maestro payment system.

The card itself does not have one of the most important details - the name and surname of the client himself. that is why you most likely will not be able to pay with it in any online service or in an online store, but there are really some other ways to make these transactions online.

Most often, Maestro debit cards are used to receive pensions, salaries or various social benefits from customers who do not want to pay extra money for service. The Maestro card is very cheap and usually costs about 200 rubles a year, but some banks do not charge any money for the annual service at all, and it is absolutely free.

The plastic card itself often only has a magnetic tape, but recently they have also begun to be issued along with a chip, which additionally protects your funds, although such cards are already more expensive than ordinary non-chip cards.

What is special about the Maestro debit card?

The most important thing is that the card is not tied to the client and it is, therefore, you may have some difficulties when paying for goods and services in another country. But in general, we do not recommend that you take the Maestro card abroad, since in most cases this card will simply not be accepted from you, and you will not be able to withdraw money without making a purchase in a store.

One of the advantages is that such a card can be obtained from the age of 14. The only condition will be citizenship in the Russian Federation, as well as the presence of a passport and registration in a place where there is at least one branch of the bank that issues and prepares these cards.

The Maestro card number consists of 18 digits - this is due precisely to the fact that there is no props with the owner's name on the card, and in order to more accurately identify the user in the payment system, there must be more numbers.

For any purchase in a store or supermarket, the card will ask you for a PIN code. This protection additionally saves your funds in case of loss or theft of your card. Also, the card does not have a special security code, which is why you cannot make a purchase on the Internet, although there are several online services that can help you with this.

What services are available on Maestro debit cards?

You can easily deposit your funds into a bank account, both through the ATMs of your bank, and through the cash desk of a bank branch. The Maestro payment system works on the basis of the system, and that is why all card transactions are carried out almost instantly and quickly.

Many shops, restaurants, cafes, cinemas and other establishments accept Maestro cards, and you can easily pay with this card. True, if you want to take it abroad, then some difficulties may arise, the fact is that not all foreign organizations and companies accept these cards. So if you are thinking of taking it with you on a trip, then only as an additional card and no more, you should have any basic card of the type.

You can use your bank's application to make transfers, pay for various services, and even make purchases over the Internet. But here you need to clarify that this is done using your personal account in your bank or using an application on your phone.

Almost all banks provide SMS banking services. This service is very convenient for monitoring and tracking funds in your account. You will always be aware of exactly how much money is left on your card. When making a purchase or transfer, you will receive an SMS message on your phone with information about the transfer or enrollment, as well as the account balance on the card.

Similarly, through an SMS message, you can make transfers to your bank cards using a special SMS code. Also, in case of loss or theft, you will always know what is happening with your card and you can also quickly block it by calling your bank's hotline.

"Social" card from Sberbank Maestro

This is a good and excellent card with favorable conditions, which is usually issued either for receiving pensions or other social benefits. A social card from Sberbank is issued exclusively in rubles and has a free annual service for the bank's customers.

Also, the card is profitable and if you keep a certain amount on the account, you will receive 3.5% per annum on the account balance, which is very good for a low-class card. There is a possibility of issuing additional cards, which will cost only 150 rubles per year for each. Additional cards will be linked to the main account.

This card cannot be turned into a salary card because of the low class, but this is the case if you work in an organization that has a salary project with Sberbank. Using online banking services, you can easily transfer money and pay for services through your personal account.

How to get a Maestro debit card?

You must be a citizen of the Russian Federation and must have a passport. The age at which a particular card is issued varies greatly from the type of card and from the bank itself. Some banks issue these cards from the age of 14.

You need to visit a bank branch with a passport and write an application for registration and issuance of a Maestro debit card to you. The card may be issued almost immediately, but some banks may ask you to wait for a while, and after a while you will be given it.

Many banking organizations issue Maestro debit cards even to foreign citizens who work in our country. The truth about the conditions of issuance must be communicated directly with the bank itself. For a foreigner, similarly, it will be necessary to visit a bank branch with a passport and a certificate of temporary registration or residence permit.

The Maestro salary card from Sberbank is a debit card and is quite popular among the population of the country. The application for its registration is submitted personally by the client or the head of the organization from which the salary will be calculated, but in any case, in order to receive the card, you must personally appear at the bank and go through the paperwork procedure. To do this, you must have a passport with you and be over the age 18 years.

Using the Maestro card, you can replenish and cash out an account without interest, pay in online stores and monitor balance changes using the Mobile Bank application or directly on the Sberbank website.

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In addition, there is a special program "Thank you from Sberbank", aimed at accumulating bonuses and subsequent activation of discounts.

Peculiarities

Sberbank offers several Maestro cards, aimed specifically at the target audience - students, retirees, employees of firms and organizations. Since this type of card is the lowest in its hierarchy, it is completely safe in terms of withdrawing cash - a negative balance is impossible.

The Maestro salary card from Sberbank has a difference in that the funds for it come from the employer. The majority of employees appreciated the transition from cash to a plastic card, because it eliminates most of the inconvenient moments: queuing at the checkout, waste of extra time, a special visit to the workplace to receive a salary, when it comes to shift work.

Receiving the earned money at the nearest ATM of Sberbank (it should be noted that the Maestro card is accepted only by the ATM in which bank it was issued) or direct payment in the store by card solved this problem.

There is more than enough basic functionality for holders of salary cards, which is why Maestro is so popular among various social strata of the population.

The main functionality of Maestro's salary cards from Sberbank

Since the Maestro's salary card is social, there are some restrictions on its use - withdrawal of funds for an amount not exceeding 100 thousand rubles per day and use only Sberbank ATMs. However, this practically does not affect the majority of the owners of these cards.

In all other respects, the Maestro card is not inferior in functionality to the rest of its plastic counterparts and has a number of functional features:

• registration and subsequent servicing of the card is absolutely free;
• the possibility of registration and use of the card with 18 years;
• no additional documents are required to obtain a Maestro card - an application and a passport are enough;
• cash withdrawal at any Sberbank ATM without interest;
• the ability to make purchases in any stores in the country where non-cash payment is provided;
• full control over the replenishment and expenses of the card using a mobile application and directly on the Sberbank website through a personal account;
• SMS-informing about debiting and receiving funds;
• the ability to accumulate funds on the card account without paying additional fees;
• no payment for issuing a card after the expiration date;
• no commissions for transferring funds from a Maestro card to another account or a Sberbank card.

Money transfer

Transferring funds is a rather important and demanded service, which is also used by holders of Maestro's salary cards.

There are several ways to transfer money between cards and an account:

Remote finance management

It is possible to manage the funds on the Maestro card using the Internet or SMS commands.

In the first case, access to your personal account in the Sberbank Online system is provided, where you can perform the following operations:

• see the account and card balance in real time;
• transfer funds to Sberbank clients;
• top up your mobile phone, internet provider, cable TV account;
• pay traffic fines;
• pay utility bills;
• repay loans.

In addition, it is possible to set up automatic payments when, on a certain day of the month, the required amount will be debited towards a particular service. User participation is no longer required, however, in order to make an auto payment, the card must have the required amount for debiting.

The mobile application from Sberbank also refers to remote access with a Maestro card and has almost all the same functions as Sberbank Online.

Remote access to the card can be carried out by sending SMS commands to the number 900. With this, you can pay a mobile phone bill, transfer funds to the card to another client of Sberbank, find out the personal balance of the card. The full list of teams and services must be checked with the operators at the Sberbank branch.

Replenishment

The Maestro salary card is replenished automatically by the employer at a time to all employees. However, it is possible to deposit funds to her account independently for various needs.

There are several ways to do this:

Additional operations

In addition to the implementation of standard procedures on the card, there are a number of additional ones:

• The ability to connect or disconnect a mobile bank, which informs about expenses and receipts of funds via SMS notifications. The service is quite convenient, but it has a small subscription fee. If necessary, you can refuse it by filling out an application at a bank branch or through your personal account in Sberbank Online.
• Participation in the "Thank you from Sberbank" program is an accumulation of bonuses that can later be spent on discounts when paying for goods and services in online stores.
• Security of transactions on the Internet - when paying for a product or service, the system always asks for an additional code, which comes to the linked phone number of the cardholder.
• Possibility of remote access to the card via the Internet, making almost any payments, and also there is a function of closing the card, if for any reason it is no longer needed.

Much has been written about the Maestro card on the Internet. For example, that it is unnamed, that it does not have a security code, etc. Is this really so? What are the advantages and disadvantages of Maestro cards, is it worth using them and which banks issue them? We will talk about all this below.

What is the Maestro card (Maestro), its features

Maestro is a debit card product of the IPS MasterCard. This is an entry-level card that is one of the most affordable and popular among customers. All transactions on such plastic must be electronically authorized by the issuing bank to confirm that there are enough funds on the card account. Maestro owners can perform almost the same operations as higher-level cardholders: pay for communal services and purchases, withdraw cash, make transfers, etc.

Maestros are available with a chip and magnetic stripe or with only a magnetic stripe. They are named and unnamed. The data on the Maestro (name, number, validity period) is most often not convex (i.e. not embossed), but simply printed.

Such cards are accepted in retail outlets where the Maestro mark is present (both in the Russian Federation and abroad). Although, in fact, if an institution accepts MasterCard cards, then, as a rule, it also takes Maestro. Previously, entry-level cards did not have the CVV2 / CVC2 code, which made it difficult to pay with them for purchases on the Internet. However, now many banks (including Sberbank) issue Maestro with a security code.

Benefits of Maestro cards

• Cheap service is a key advantage of the card. Usually, its maintenance costs a maximum of 300 rubles per year, and in some banks it can be used completely free of charge.
• Receiving speed. This plus will be available only upon receipt of the unnamed Maestro, since it will be issued immediately. When ordering a card with a printed name and surname, you will have to wait for it n-th number of days, like all other card products.
• Discounts and privileges from MasterCard are available;
• Wide functionality;
• Additional cards can be issued.

Disadvantages of Maestro cards

• When used abroad:

In most countries, payment with a Maestro card is successful. But sometimes difficulties can still arise. In some places (for example, in Chile) there are points where only embossed cards are accepted, since they use an imprinter (the machine on which the card is imprinted). Naturally, in this case, the non-embossed Maestro (even if it is named) will not be able to pay off. If the card is unnamed, this may raise heightened suspicion among the cashiers of retail outlets. Be prepared to be asked to show your identity document. Theoretically, problems can arise when renting a car or paying for hotels.

As already mentioned, the Maestro card is accepted only in stores marked with the Maestro brand, that is, if there is no corresponding sticker on the door of the outlet, then service may be refused. As a rule, the emergency cash withdrawal service is not available for such plastic. This means that in case of loss or technical malfunction of the card abroad, money cannot be received quickly.

If you plan to withdraw cash in other countries, it is better to have one more card with a higher status with you. More often, it will not be possible to withdraw money from other people's ATMs from entry-level cards (especially unnamed ones). Let's take Sberbank as an example: no money can be issued at other banks with Maestro Momentum cards (that is, unnamed). And according to Maestro Social and Pension, it is allowed to receive money from ATMs of subsidiary banks of Sberbank both in Russia and abroad.

• When shopping on the Internet: the downside is that there are still stores that do not accept Maestro. Fortunately, there are fewer and fewer of them.
• Low transaction limits: monthly and daily cash withdrawal limits are usually much lower than for higher tier cards.

How Maestro differs from Visa Electron

Maestro is a product of the IPS MasterCard, and Electron is a product of the Visa payment system. Both the one and the other card can be used only in electronic terminals that work online. In Russian realities, they practically do not differ in functionality.

It is believed that Visa is more widespread and its cards, unlike MasterCard cards, are accepted everywhere. In fact, now both MPS are developed in about the same way. Although, when traveling abroad, it is still recommended to take at least 2 cards of different payment systems with you.

Maestro card of Sberbank

At the moment, Sberbank is issuing only one entry-level card - Maestro Pension. It is issued to persons over 18 years of age who have a pension certificate.

Advantages of the Sberbank Maestro "Pensionnaya" card:

• no service charge is taken;
• you can pay for goods in any store;
• it is possible to make payments in online stores (not using 3D-secure);
• 3.5% is charged on the amount on the card account;
• you can receive discounts and special offers of the MasterCard MPS;
• it is allowed to withdraw cash from subsidiary banks abroad;
• some partners give pensioners increased bonuses "Thank you"
• you can issue an add. a card (150 rubles per year) not only for an adult, but also for a child (at least 7 years old);
• it is convenient to use Sberbank-online and the Mobile Bank service;
• you can make translations

Disadvantages of the Maestro Pension card:

• there may be problems when paying in some online stores;
• you can withdraw money abroad only at ATMs of subsidiary banks of certain countries;
• emergency cash withdrawal is not available if the card is lost abroad.

How to get Maestro "Pension"?

To issue a card, you must come to a Sberbank branch with a pension certificate and a passport. After signing the contract, you will be given an account number, which must be reported to the Pension Fund. The card will be ready in 1-2 weeks.

Other cards of Maestro Sberbank

Previously, Sberbank also issued cards Maestro Social, Maestro Student and Maestro Momentum. Now their issue has been discontinued, although the cards already issued are still valid. Most likely, cheap plastic is simply unprofitable for the bank.

What other banks issue Maestro cards

Vanguard:

• three-year Maestro with a chip (300 rubles, $ 15, € 15 per year), any operations are available;
• 5-year Maestro with magnetic stripe (no chip), no annual maintenance, limited functionality.

Bashkomsnabbank:

• Maestro for individuals for a period of three years. Opening an account costs 190 rubles, you do not need to pay for service;
• Maestro for retirees for 3 years and free issue. There are 2 different tariff plans:
• with the accrual of 4% on the balance, but a commission will be charged for withdrawing money from other people's ATMs;
• with the accrual of 0.5% on the balance, but funds can be received free of charge from ATMs of other banks.

SMP Bank: offers a Maestro card at the "Standard" tariff with service of 150 rubles / $ 2 per year.

Rosenergobank: the cost of issuing a Maestro card in this bank is 220 rubles.

• Maestro for individuals: 300 rubles. in year;
• for pensioners: free, 4% per annum.

Should you open a Maestro card? If you are going to use the card in Russia, rarely make purchases via the Internet and do not want to pay a lot for service, then it is definitely worth it! Maestro is the cheapest option with the functionality you need. Although the number of banks issuing such cards is decreasing in Russia.

If you often visit other countries, constantly pay for goods on different (including foreign) sites, then we advise you to open a card at a higher level, at least MasterCard Standard.

Plastic cards are the usual means of payment for millions of people around the planet. This fact can be fully considered the merit of Mastercard and Visa payment systems, the development of which made it possible to simplify access to funds and speed up the process of exchanging financial information. Part of their strategy is to launch affordable payment platforms targeting the general public.

This service is Maestro. You will learn about what this type of card is, what is its difference and about many other things from this article.

What is a cardMaestro

Maestro is a debit card support and maintenance service launched in 1990 by Mastercard. At the moment, it is one of the most widespread brand among all payment systems due to its availability. The Maestro card allows its owner to withdraw funds through an ATM and cash pick-up points, as well as to carry out non-cash transactions in retail outlets equipped with equipment for carrying out such operations. The Maestro system is not used on cards with a credit limit due to the fact that this service allows access only to the owner's personal funds.

The main idea behind the launch of the Maestro project was to develop a convenient and affordable means of payment that would allow the owner to use basic banking services for a nominal fee. On the basis of Maestro, most financial organizations issue plastic cards for students and pensioners, and also use them in salary projects.

On the territory of Russia, Mastercard implemented an analogue of the local payment system - Maestro Momentum. Its peculiarity was that such a card can only be used on the territory of the Russian Federation. However, over time, the need for such a system disappeared and it was easily replaced by other cards.

Features of the cardsMaestro

Maestro cards are a plastic card with a magnetic stripe familiar to everyone. Most of the issued cards are not personalized or embossed. In other words, on their front side there is no information about the owner's name and surname, and the card number is not embossed, as on cards of other standards, but only slightly protrudes. Thanks to this feature, issuing banks can issue cards at the time the client visits the branch. For this, in the offices of financial institutions, blank plastic cards were prepared, which were tied to the current account at the client and undergo activation.

Due to the fact that Maestro is positioned as an entry-level card, only basic technologies are available to its owner to ensure the safety of funds. For example, most cards only have magnetic tape, while other systems use a security chip as additional security. However, this to one degree or another depends on the bank serving this card.

Using Maestro cards outside of your home region can be problematic. The reason for this is some of the technical nuances of information processing. Therefore, it is recommended to use cards of a higher class for long-distance operations. It is also worth mentioning that the Maestro card is not provided for paying for goods and services on the Internet, especially in foreign stores.

The differenceMaestro fromVISAElectron

The main competitor of Mastercard in Russia is considered to be VISA, an international payment system with offices in more than 100 countries. In the segment of inexpensive means of payment, it presents its own brand - VISA Electron. Both products have simple functionality and a basic set of security tools. Despite the status of competitors, these services have extremely insignificant differences. For example, when making transactions in retail outlets using Maestro cards, the system always asks for a PIN code, while VISA Electron does not require confirmation of the transaction.

Both payment systems have their own loyalty programs aimed at attracting additional customers. However, they do not apply to entry-level cards. In addition, an extremely small number of customers think about which of the companies to give preference, due to the fact that they simply do not have information about their differences. As a result, the final choice often lies with the bank, which independently chooses the payment system.

Bank offers using cardsMaestro

On the territory of Russia, not many financial organizations develop products based on the Maestro system. The basic level of security and functionality cut down in comparison with standard Mastercard cards does not allow creating an attractive package of services.

Maestro service cards are mostly implemented by Sberbank as part of projects aimed at students and retirees. In the first case, potential customers are won over by the instant issue of the card, in the second - its low price. For some time, such cards were the basis for salary projects implemented by banks, but after receiving a certain amount of negative reviews caused by insufficient functionality, the use of such technologies is minimized.

It is especially worth mentioning that abroad, Maestro cards occupy a leading position among all brands. This is due to the fact that in European countries there are no restrictions on the type of transactions. In other words, residents of Germany, Spain, Austria and other EU countries do not need to worry about currency conversion. All payments are made in euros, and well-known online stores have their offices.

Advantages and disadvantages of cardsMaestro

Among the obvious advantages of Maestro cards, one should note its low cost and availability. On the basis of this system, banks and other financial institutions offer their customers instant cards.

The technology also allows prepaid cards to be issued that can be used as a gift. However, an extremely small number of banks sell such products, since their functionality is limited by the amount of prepayment.

Oddly enough, but the low cost of Maestro cards is their main drawback. First, the cards do not have information about the owner on the front side. This means that if a plastic card is lost or stolen, fraudsters can more easily gain access to funds.

Secondly, it is extremely difficult to pay for services and goods abroad using an instant issue card. The system does not have sufficient functionality for currency conversion, so its use for these purposes is undesirable. The same applies to the transfer of funds into foreign currencies and payments for purchases in online stores.

But even in Russia, Maestro cards have significant drawbacks. The most important thing is the reduced daily and monthly limit on cash withdrawals. This parameter depends more on the issuing bank, but it is significantly lower than for standard cards, and rarely exceeds 100,000 rubles per month.

Maestro

Maestro cards have the status of an accessible card with a basic security level. Any financial institution offering its clients Maestro-based banking products issues cards within 15-20 minutes.

To obtain it, you only need a passport. At the bank branch, specialists will enter your data into the system, and after signing the contract for banking services, the client will be able to receive the card in his hands. The annual service for such cards is either absent or does not exceed 300 rubles for 12 months.

The peculiarity of the Maestro system is that it can be used by citizens of the Russian Federation from the moment of obtaining a passport, that is, from the age of 14, in contrast to standard cards, which are issued from the age of 18. This option enables parents not only to remotely transfer funds to their children, but also to control their expenses.

For comfortable use of Maestro cards, first of all, it is worth comparing its capabilities and your goals. You shouldn't expect a wide range of features from entry-level cards. Their use, as a rule, boils down to replenishment, cash withdrawal from ATMs and transactions in retail outlets.

It is worth paying special attention to cash withdrawal limits. If the specified values ​​are exceeded, the cardholder loses the ability to withdraw money through the ATM until the end of the calendar month.

When signing documents for the issue of a plastic card, check with the bank employees about all the features of the service. Even this truncated functionality is used in different ways by different financial institutions.

When handling the card, make sure that it is always with you. The use of simplified safety technologies in the production and maintenance of Maestro cards requires more vigilance from its owners.

General advice when using plastic cards also applies to payment elements of the Maestro system.

Conclusion

Maestro cards are still one of the most widespread payment elements in the world. This is due to the convenience of obtaining and the low price of the product. However, on the territory of Russia, this system has a number of restrictions that prevent them from being used as the main means of payment.

Video. Which card should you choose?