Social card of Sberbank MIR, Maestro "Pension". Detailed review, conditions, rates and reviews. Social card of Sberbank of Russia: what is it

System cashless payments has become an integral part of modern life. One of the tools in this area is the Maestro map, which has its own characteristics and differs from other maps in a set of functions. You can often find its use in salary projects and social offers.

Sberbank card "Maestro" - whose payment system it is

Is the Sberbank "Maestro" card "Visa" or "Mastercard"? When defining a payment system, it is important to note the affiliation banking product to the MasterCard company. Mastercard is a worldwide payment system. The head office of the company is located in the USA. Additionally, she represents brands such as Mondex, Cirrus, MC Electronic. So the claim that Maestro and Mastercard are one and the same is not entirely accurate.

Maestro is a debit card that works in the MasterCard system. It can be argued that the Mastercard and Maestro cards are one and the same, only if the plastics themselves are compared. The common thing for them will be to work on one system. At the same time, it is worth noting the main differences:

1. "Mastercard" is a whole system of settlements operating all over the world, as well as a fully functional paid card with ample opportunities. Maestro is only one network product with limited functionality.
2. The payment system was formed in 1966. The Maestro product was launched in 1990.
3. The logos are created in the same style, but with noticeable differences.
4. When paying for Maestro, only online authorization is used. The availability of offline or voice authorization is supported only on MasterCard plastic.

Sberbank cards "Maestro"

Today Sberbank serves three types of such products. Let's list them:

1. Sberbank-Maestro "Social".
2. Maestro pension " Active age».
3. Maestro Momentum. No longer issued. When customers contact us, they are replaced with an instant or full-featured MasterCard.

The Active Age card began to be issued in May 2017, replacing the Social Card. The previous version of the product continues to be serviced, but until plastic expiration, blockage, or loss.

To the benefits new card relate:

• free use;
• accrual of 3.5% on the account balance;
• preferential rate for the service Mobile bank- 30 rubles. The first two months are free of charge.
• issued additional card with annual service 150 rubles. in year.

Plastic is issued for three years in rubles. Produced for citizens over 18 years old. Holder add. card must be at least 7 years old and have the consent of a parent, guardian, etc. The product is issued to persons entitled to receive pension payments and registered in Russia. The daily limit for cash withdrawals is 50 thousand rubles. For registration, you need to contact the Bank branch and write an application. You need to provide a passport with a permanent or temporary residence permit in the Russian Federation and a document confirming the right to receive a pension. Plastic is produced from 5 to 7 days.

The difference between Maestro and Visa

When using plastic, it is advisable to know how the Maestro card of Sberbank differs from the Visa. Visa is an American-based international payment system. The company has been on the market for several decades in parallel with its competitor MasterCard. The main services of the company are various payment services, including cashless transfers, making purchases on the Internet, working with cards with a bank account, etc.

Maestro is a service developed by MasterCard. For use, the service is presented in the form of a plastic card operating on a debit basis. Plastic is produced by banks all over the world. This is ensured by the fact that the Maestro payment system belongs to the international network. It has nothing to do with the Visa system. Its analogue in the payment system is Visa Electron. The plastic has a 16-digit number, which is more convenient to use.

Using "Maestro"

The main purpose of the Maestro service is to carry out settlements in retail outlets when paying for services. An account must be tied to the plastic. At the time of the operation cash are authorized on the card for subsequent access to the account. Usually, plastic is not suitable for payment in online stores and has limited functions. These limitations are due to product availability and low-cost maintenance. Significant differences from other cards include:

• the card number consists of 18 digits;
• lack of CVV2 / CVC2 codes, so you can pay for your purchase online only through PayPal;
• plastic produced in Russia is not used in other countries;
• mandatory entry of the PIN code when making transactions.

As a result, plastic has gained popularity on social media. When calculating scholarships, benefits, pensions and wages.

Owners can perform the following operations:

• connection of SMS notification services and Internet banking;
• payment of current payments ( public Utilities, television, taxes, fines) in terminals, ATMs and online systems;
• connection of the services of Sberbank "Autopayment", "Autotranslation" and "Piggy bank";
• connection to the "Thank you" bonus program;
• transfers to cards individuals and between your accounts;
• withdrawing cash from ATMs of other banks. A commission may apply for such an operation.

Non-cash payment systems allow you to participate in trade relations, pay for goods and services using a terminal, the Internet and an ATM. However, the basic concepts are often confused with each other. Many users cannot tell the difference between Visa and Maestro, although these concepts are associated with different market categories. Let's try to figure it out and determine the difference.

Definition

Visa- an international payment system, headquartered in the United States, and the turnover in 2012 amounted to about 6 trillion 910 billion US dollars. The company is a key competitor to another giant, MasterCard Corporation, with which it has been “sharing” the market over the past decades. The company offers its customers various services, including payment for purchases on the Internet, linking a card to bank account and much more.

Maestro- payment service of the MasterCard company, presented in the form debit cards issued by national banks. They are mainly intended for settlements at a merchant site with online authorization to access the account and have reduced functions. So, the card is most often not suitable for payments in virtual stores.

Comparison

Thus, the key difference is the essence of the definitions presented. Visa is an international payment system that is represented by a large number of different solutions. Maestro - view debit card, the most accessible and cheapest, from a "competing firm" - MasterCard. Its analogue can be considered Visa Electron, which is generally more popular in Russia.

The rest of the differences can only be traced to specific examples... So, solutions from Visa use the dollar as a universal currency, and when making payments, money is preliminarily converted into it. MasterCard, including the Maestro card, immediately converts the amount to be paid into the payment currency.

Conclusions site

1. Essence. Visa is a holistic payment system, and Maestro is a kind of debit card from MasterCard.
2. Popularity. In general, Visa solutions are more in demand in the Russian Federation, and its Visa Electron, an analogue of Maestro, is issued by a large number of banks.
3. Logo. Visa's trademark is written in text, Maestro's debit card is graphically spelled.

Important: in this moment the bank no longer issues cards like Maestro and Electron.

The simplest products of Sberbank, offering a standard set of features and having a low cost, are Visa Electron and MasterCard Maestro cards. Let's take a closer look at their capabilities.

Let's see right away, Maestro and Electron are a type of plastic that belongs to the lowest level among plastic financial instruments. But Visa or MasterCard are payment systems. We will talk about them in the next section of the article.

So that there are no questions - how do they differ from each other, we will explain what types of plastics belong to which payment systems.

Payment system Visa:

• Electron (Visa Electron);
• Classic ( Visa Classic);
• Gold (Visa Gold);
• Platinum (Visa Platinum);

MasterCard:

• Maestro (MasterCard Maestro);
• Standard (MasterCard Standart);
• Gold (MasterCard Gold);
• Platinum (MasterCard Platinum);

Differences and features of Visa and MasterCard

Determining how the Visa Electron card differs from the Mastercard Maestro in Sberbank is almost quite difficult. There is no difference in terms of the terms of issue, customer options or other privileges provided by the issuing bank. It consists only of the type of payment system.

Not so long ago, they differed in the principle of recalculating currencies when it was required to convert them. But now the conversion is taking place according to a single principle and has no significant differences. The European payment system is considered more widespread, but most likely it will be quite difficult to notice, since all modern services around the world support these systems.

Possibilities of cards

In addition to charges, transfers and various payments, the following possibilities are included:

• Set up automatic payments for utility bills.
• Perform online transactions remotely via the Internet Bank.
• Request information and carry out transactions via SMS and messages (via the Mobile Bank).
• and consultation through the Bank's Call Center by phone.
• Linking to e-wallets.

The service is 300 rubles. Renewal is free of charge.

Transfer from a Visa card to Maestro Sberbank

To transfer money within one bank, you can use both mobile application- it is available both for devices on Android and for iPhones and is practically no different. The only thing you need to know to make transfers is the recipient's plastic number.

In general, you can use any convenient way translation between plastics different types- it can be a short SMS:

or you can use the internet bank.

Connecting bonuses Thank you

Regardless of which Sberbank card is better for you, Maestro or Electron, we recommend that you take the opportunity and become a member bonus program... We talked about this in more detail in the article. Let us remind you that even if you don’t get hung up on accumulating bonuses, they will accumulate on your account, and when you want to pay with them in the shops of the bank's partners (about this in the material -), you will be pleasantly surprised by the possible discount.

The process of issuing an electronic card Visa or Mastercard

To order a release electronic cards, you must contact the department with the documents. The requirements for the client are very loyal:

• Citizen of the Russian Federation.
• Registration, incl. temporal.
• Age: from 14 years old. Until the age of majority, the permission of guardians or parents is required.
• The ability to issue an additional product to a relative or friend, incl. child from 7 years old.

Having completed the form, the client must leave it for approval for further receipt. The answer will come in a couple of days. After that, you will need to go for the plastic and sign the documents.

If you want to decorate the front side of the product in an original way, you can order a design - but for this, the data of the Electron plastic, you need the next level - Classic or Standard.

This can only be done by an online application, where you need to upload your photo-picture or select it from the gallery. It will take a little longer to wait for an answer, and the cost will cost 500 rubles.

Non-cash payments using plastic cards are actively included in modern system calculations. They can pay for a purchase in a store, utilities and other payments, top up an account on the phone. Payments are made via the Internet, ATM or terminal. Payment cards are issued by Sberbank of Russia and other banks, but when a large number cards offered by banks, not everyone understands how they differ from each other.

To understand how VISA cards differ from Maestro Sberbank, you need to know that there are two electronic payment systems - VISA and MasterCard. Each of them produces its own types of product. The first is a multinational corporation headquartered in the United States. The annual turnover of the company's cards exceeds 6 trillion US dollars.

The company develops new technologies that are used by thousands of financial institutions... Plastic cards of this company are issued and accepted for payment in many countries.

Sberbank of Russia issues several types of such cards, including cards for receiving pensions and social benefits, as well as student cards, which are issued to pupils over 14 years old, undergraduate and graduate students educational institutions... In addition, such cards are used to pay wages. Each year, you need to pay about 300 rubles for their maintenance.

The Maestro card belongs to the MasterCard payment system. It is an electronic debit card that can be used in outlets where cards are accepted for payment. This is one of the most simple cards and she cannot pay for services abroad, as well as purchases on the Internet.

We can say that VISA and Maestro have different definitions. The main difference is that the first is a payment system with its own financial instruments, and the second is a card that belongs to the MasterCard system. In Russia, the VISA system is more in demand, and the analogue Maestro cards is an electronic card of this VISA Electron system. The company logo is always on the front of the card.

Features of VISA and MasterCard cards

As noted above, VISA is a payment system controlled by a US multinational company. She was the first to start developing electronic payments. Her cards are in demand in over 200 countries. Operations on them are carried out in US dollars, and the technologies developed by the company are used by more than 20 thousand financial institutions.

In Russia, VISA plastic cards began to be used 30 years ago, the first organizers were representatives of Intourist JSC, and the first bank to become a member of the VISA corporation was Sberbank of the Soviet Union.

The international payment system MasterCard was formed as a result of joint activities of the American company of the same name and the European organization Europay International. The headquarters of the corporation is located in the United States, and the European representative office is in Belgium.

This system is used by financial institutions in 210 countries, and activities are carried out in 5 regions of the world. In addition to the North American region, it serves users in the European, African, Pacific, Latin American and Caribbean regions.

At the end of 2012, the MasterCard system was officially registered in Russia, and Sberbank of Russia became the main settlement center. The currencies that MasterCard works with are both the US dollar and the euro.

With the help of cards of both systems, you can pay for purchases on the Internet, conduct Money transfers, make transactions with a bank account.

Comparative characteristics of systems

Not a single bank representative will be able to give the correct answer which card is better to use. Both are international, and while VISA accepts payments and converts currencies in US dollars, MasterCard conducts transactions in both US currencies and euros. At the same time, a bank account can be opened in any currency, but when calculating or transferring money, it will be converted at the rate set by the bank.

The conversion rates of both systems are almost the same, but in the VISA system it is always open, and in MasterCard it can be recognized after the transaction. In addition, the bank may charge additional conversion fees. Due to this, Sberbank of Russia receives more profit from operations with VISA cards than using the same procedures with MasterCard.

If we compare the market coverage, then VISA cards make up about 28% of all issued plastic cards, while their competitor is about 20%. Both companies produce credit cards and debit, which are linked to a bank account or prepaid limit.

To travel abroad, Russians are better off applying for a VISA card if they travel to North America, and in European countries it is better to use MasterCard cards.

It is worth noting that VISA has more ATMs installed, but MasterCard owners will also always find the opportunity to pay for purchases or get cash, and many ATMs serve all cards.

Non-cash payments using plastic cards are becoming more and more widespread. Many people prefer a non-cash payment method as it is convenient, fast and reliable. By bank card you can pay for goods and services through a cash register, ATM or the Internet. Plastic cards releases largest bank Russia - Sberbank, as well as others financial institutions... However, with a wide choice card products not everyone knows what their differences are. Often on the Internet you can find the question: is the maestro sberbank a visa or a mastercard?

Payment systems Visa and Maestro

To find out what is the difference between Visa and Maestro cards of Sberbank, you need to know about the same names payment systems ah, each of which produces its own varieties of plastic.

• Visa is an international payment system. The corporation is headquartered in the United States and has an annual turnover of over $ 6 trillion. The company develops and improves technologies that are used by thousands of financial organizations - payment for goods on the Internet, linking a card to virtual wallets and much more. The Visa payment system owns more than half of the market for card products, and it occupies a leading position in the world. The main competitor is the MasterCard payment system, which accounts for about 25% of bank cards.
• Maestro is a payment service of MasterCard corporation presented in the form of debit cards issued by national banks. Sberbank's Maestro cards are primarily intended for making payment transactions in retail outlets in Russia and have limited functionality.

Features of Visa and Maestro cards

The plastic of the Visa payment system from Sberbank is used to receive a salary, deposit cash through an ATM, make online payment transactions, etc. The cost of an annual service classic cards Sberbank Visa is 750 rubles, the monthly fee for SMS notifications is 60 rubles. Visa cards have rich functionality and are very popular in Russia. They can also be used to pay in almost any country in the world.

A simplified type of Visa cards is Visa Electron plastic carriers, which are similar in functionality to the Maestro. Currently, they are losing their relevance and are almost never issued.

Maestro cards belong to the international payment system MasterCard and are its kind. Sberbank produces Maestro plastic for receiving pensions, scholarships, cash benefits. This card also lists wage civil servants. Plastic can be used to pay for purchases on the Internet, but it is valid only on the territory of the Russian Federation.

According to the law "On the National Payment System", which entered into force in 2017, upon reissuance and replacement of Maestro cards, Sberbank clients will be transferred to the cards of the Mir payment system, and, in fact, the Maestro payment service will lose its relevance.

Plastic cards Maestro are social, and therefore have budgetary tariffs. The release and replacement of such plastic is free. Per annual maintenance also, no fee is charged, and the cost of SMS notifications is only 30 rubles. When translated into national system of payments to the World, the same tariffs will continue to operate.

So, the main differences between Visa and Maestro are as follows:

• Visa is a standalone payment system, and Maestro is a kind of MasterCard;
• Visa cards are more widespread in Russia than Maestro (and, accordingly, MasterCard);
• Visa card number consists of 12 digits, Maestro - of 16;
• when making purchases on the Internet for Visa, a three-digit code is entered on back side plastic, designated CVV2, for Maestro - CVC2;
• Visa cards are equipped with technology contactless payment, but the Maestro is not;
• the corporate logo of the Visa company has a text spelling, and the Maestro has a graphic one.

History of Visa and Maestro cards (MasterCard)

The Visa payment system is under the control of the US multinational corporation, which was the first in the world to develop electronic payments. Visa cards used in over 200 countries. Transactions on them are carried out in US dollars. Visa cards appeared in our country 30 years ago, and the first bank to issue them was Sberbank of the USSR, and the first organizers were representatives of Intourist JSC.

The international payment system MasterCard was created in 1966 as a result of joint activities of the organization of the same name and the European company EuroPay International. The corporation is headquartered in the United States, and the European headquarters is in Belgium. Payment service Maestro was founded in 1990. MasterCard is used by banks in 210 countries on five continents. In Russia, the payment system was officially registered on December 29, 2012, and Sberbank became the main settlement center. The MasterCard system works with euros, dollars, as well as national currencies.

The cards of both systems allow the production of settlement operations anywhere in the world where they are accepted for payment, as well as pay for goods and services on the Internet, make money transfers, conduct transactions with card account... The Maestro card has the same functions, but it can only be paid on the territory of Russia and only a ruble account can be opened.

Which payment system is better than Visa or Mastercard? (Video)

System characteristics for comparison

It is impossible to give an unambiguous recommendation which card is better to use - Visa or Maestro of Sberbank. It all depends on the personal needs and wishes of the bank's client. So, for those who often travel abroad, it is convenient to pay with plastic Visa. The same applies to users who prefer to keep their accounts in dollars.

Maestro cards are suitable for clients carrying out payment transactions within Russia. The main advantage of such plastic is free service and low cost of SMS notification services.

As for the Visa and MasterCard payment systems, they are both international, however, Visa accepts payments and converts currency in dollars, and MasterCard - both in dollars and euros. Accordingly, to travel abroad to North America, it is rational to use Visa plastic, and to European countries - MasterCard.

Conversion rates for both systems are almost the same, but in the Visa system it is always open, and at its competitor it is available only after conversion. The bank also has the right to charge an additional commission for the operation. Sberbank gets more profit for operations with Visa cards than for similar procedures with MasterCard.

There are more ATMs working with Visa plastic carriers, but MasterCard and Maestro holders can also always find self-service devices for depositing / withdrawing cash and performing other financial transactions.