World map from Sberbank - pros and cons. Which banks issue the Mir plastic card? At the bank office

Sberbank as the most popular Russian bank, one of the first to develop Internet banking. Today it has more than a hundred services, and users do not always understand which tab contains certain features and how to use them. For example, how to add another card to the Sberbank Online service? And what if she doesn't appear?

How to add a new card to Sberbank Online?

When using the remote banking system, the operator asks to indicate only the phone number and main card number. The client has a logical question: “What about my other cards, how can I add them?”

Don't worry about this. Sberbank’s personal account is designed in such a way that all cards that are assigned to the client automatically appear in the service, you just need to indicate one of them. There is no need to do any additional procedures.

How to view data on your cards in Internet banking:

1. Log in to Sberbank Online using the link using your username and password.
2. Go to the fourth tab “Maps” of the main menu of your account.
3. Click on the name of the card you are interested in.

Updated account information is available on the page, as well as Additional services. Clients use the “Recent Transactions” tab to monitor the movement of funds in the account. The “Graphic Statement” section is designed to display balance dynamics (in the form of a graph) in a user-specified period of time. All information is output to the printer by pressing the CTRL+P combination on the keyboard.

Linking is needed if it is convenient for you to pay online with a card - without replenishing your wallet.

You enter your card details once, the service remembers them. Then during payment you only need \nThe code is indicated on the card, these are three numbers next to your signature:\n \n

In total you can link to a wallet five cards. It's free.

How it works

You provide your card details, the site stores them in encrypted form (inside your wallet). After this you have a choice of how to pay:

from the wallet balance, if there is money on it. Then your card is not involved in the process at all,

from a linked card. Then the money is debited from the card balance, goes through the wallet and is sent to the store. Everything happens instantly; for the store it looks like a payment from a wallet.

Which cards are suitable for linking?

Use any card, salary or credit. Visa and Visa Electron, MasterCard and Maestro, cards of the Mir system are suitable.

The bank is not important, but the card must be issued in Russia or these countries:

A Austria, Azerbaijan, Albania, Armenia,

B Belarus, Belgium, Bulgaria,

IN Great Britain (United Kingdom), Hungary, Vietnam

G Germany, Hong Kong, Georgia,

D aniya,

AND Israel, Indonesia, Spain, Italy,

TO Kazakhstan, Cyprus, Kyrgyzstan, China

L atvia, lithuania, luxembourg,

M Moldova, Mongolia,

N the Netherlands, Norway,

ABOUT united United Arab Emirates,

P Olsha, Portugal,

R Republic of Macedonia, Romania,

WITH Serbia, Singapore, Slovakia, Slovenia,

T adjikistan, Taiwan, Thailand, Turkmenistan, Türkiye,

U zbekistan, Ukraine,

F inland, france,

X Oratia,

H Montenegro,

Sh Switzerland, Sweden,

E stonia,

YU South Korea,

I ponia.

If you have such a card, but the linking does not work, call your bank: you may have prohibited online payments.

There is a technical possibility to link other cards, but there is no particular point: most payments will not go through.

About Yandex.Money bank card: There is no need to link it to your wallet. You immediately issue a card for a specific wallet (or activate it under the required login if you have an instant MasterCard). Eventually the card and wallet are “connected” initially, they have a common balance.

How to link or unlink a card

The site will ask you to enter card details: number, expiration date, CVC code.

After - one-time password: It must be sent or issued by your bank.

To check, the site will transfer 1 ruble from the card to the wallet (plus 1 kopeck - service commission).

If you do not enter your one-time password, the binding will be canceled automatically after 24 hours.

If the password did not arrive or did not work, you can try again: the site will prompt you to ask the bank for the checksum. This is a maximum of 10 rubles, the bank blocks them on the card for verification.

You can unlink the card at any time - again in the settings. Click Unlink and enter your password. After a minute, the card will be deleted.

Why link multiple cards?

To choose the desired card right during the payment - for example, if the main card runs out of money.

One card is considered the main one: select which one in the settings. It is needed for cases when the payment must go through without you - for example, if you have enabled automatic payment on the Yandex.Money website or allowed money to be debited to an external application.

How to pay and transfer money from a card

If you are on the Yandex.Money website, simply select your card in the payment method and enter the CVC code.

If you are on the website of a store, first select Yandex.Money, then select your card.

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What should I do if my card has been reissued?

When a linked card expires, the linking stops working. If you have already received new map, just link it to the wallet again (and unlink old map).

Binding, canceling and everything else is in the “” section.

Commission and limits

There is no additional commission for payments from a linked card: the conditions are always the same as for payments from a wallet.

If you have linked several bank cards, daily and monthly limits apply to everyone at once (and not for each card separately).

Limits for Visa cards, MasterCard and Mir:

Payment system "MIR" is a Russian national payment system, created in July 2014, the main goals of which are to create security, uninterrupted operation and availability of all modern financial services residents of Russia. Founder of NSPK (JSC " National System Payment Cards") is central bank Russian Federation With authorized capital 500 billion rubles.

Having your own payment system will make it possible to provide Russian residents with a payment instrument, the operation of which does not depend on external economic and political factors.

The first MIR cards were issued at the end of 2015, and at the beginning of 2017, 62 banks joined the issuance of MIR payment cards.

Sberbank began issuing bank cards of the national payment system MIR at the beginning of 2017. On this moment The bank offers its clients two types of MIR cards - Classic debit and pension cards.

You can get a MIR card at any branch of Sberbank of Russia, unfortunately online release cards are currently not possible. To receive a card, you must have permanent or temporary registration on the territory of the Russian Federation.

For getting classic card MIR requires you to have a passport with you, and to receive a pension card, an additional document confirming receipt of a pension.

1. Contact any branch of Sberbank of Russia (you can find the branch closest to you on the bank’s official website)
2. Provide an identification document (for a pension card - additionally a pension certificate)
3. Sign the application form to receive a MIR card.

The cost of servicing the Classic MIR card at Sberbank of Russia is 750 rubles for the first year and 450 rubles starting from the second year. Additionally, it can be connected to the card mobile bank(SMS notifications), which costs another 60 rubles per month.

There is no fee for issuing and servicing the MIR pension (social) card. And the mobile banking service for this type of card costs 30 rubles per month.

Daily limit on free withdrawals Money from the card is 150,000 rubles per day for a classic card and 50,000 rubles per day for a social/pension card. For cash withdrawals over the daily limit, a commission is charged - 0.5% of the amount exceeding the limit.

Fee for withdrawing cash from a MIR card at ATMs third party bank is 1% of the withdrawn amount and cannot be less than 150 rubles.

note that payable service mobile banking is connected only in voluntarily and is not mandatory. If you want to save money, you can connect an economical mobile bank; it is free and differs from a paid one only in the absence of notifications about card transactions.

Connects to the card bonus program"Thank you from Sberbank", with which you are awarded 0.5% bonuses from any purchases on the card, and up to 10% from purchases from bank partners.

Large limit on withdrawals (150 thousand rubles per day for a classic card, and 50 thousand rubles for a social card)

Possibility to receive a pension on a bank card by concluding an agreement with the Pension Fund of Russia.

A huge network of Sberbank ATMs throughout Russia.

Convenient online banking, as well as mobile app Sberbank Online for phones based on iOS (iPhone and iPad) and Android.

High degree of card protection, all MIR cards are equipped with a chip. Also, all MIR cards have MirAccept technology, which ensures the security of payments on the Internet.

The disadvantages of the MIR card include an increased service fee (for public sector employees the service is free), so the cost annual maintenance is 750 rubles per year (450 starting from the second year), despite the fact that many banks offer free payment cards, for example, in the same Sberbank you can get a free chip card.

Most terminals do not have the option contactless payment, since at the moment modern terminals support contactless payment methods PayWave and PayPass, and for contactless payment using a MIR card to work, owners of PoS terminals will have to convert them to the NSPK chip.

The MIR salary card can be issued to employees of any organization, both budgetary and commercial.

All costs associated with maintenance and release to the employee salary card The employer takes on the PEACE. Thus, for employees receiving salaries on a MIR card, the card will be absolutely free.

The State Duma approved the bill ( the federal law No. 161), obliging banks to use only MIR cards for cash payments pensioners and employees budgetary organizations. This law is planned to come into force on January 1, 2018.

In accordance with this law, it is planned to issue MIR cards to employees budgetary sphere, pensioners, students - for subsequent transfer wages, pensions, scholarships, benefits.

And State Duma Speaker Vyacheslav Volodin proposed transferring all salary accounts of deputies of the Russian Federation to the MIR card.

You can voluntarily refuse to receive your salary on a MIR card, but in this case you will have to receive your salary through the organization’s cash desk.

Social card MIR for pensioners is currently issued upon request and is free.

To obtain a card, you must contact any branch of Sberbank of Russia, provide an identity document (passport) and a document confirming receipt of a pension (pension certificate).

The MIR pension card has a number of advantages compared to the classic card:

• has free service
• Interest is charged on the card balance (3.5% as of April 2017)
• preferential SMS notification (30 rubles per month)

Now Russia has its own national payment system called “Mir” and everyone can get a bank card. In addition, it is issued in the form of a salary and pension card. In this article we will tell you how to work with it and pay for purchases on.

How to create a Yandex wallet?

In today's high-tech world, the use electronic money and wallets have become quite common. The Yandex.Money system is becoming increasingly popular. It must be said that it is completely Russian and 75% of its assets belong to Sberbank. Advantages and disadvantages of the payment system under consideration.

The advantages include:

• clear and easy to use interface;
• To make a payment you will need to do few operations;
• simple registration;
• the wallet is replenished by bank transfer;
• convenient application;
• the ability to issue a bank card, and the card and wallet will have a common balance;
• you can use the wallet without identification if you have it in your account< 15 тысяч рублей.

All of the above makes Yandex wallet very attractive, but do not forget about the disadvantages.

Go to your wallet and click on balance. After this, a drop-down menu will open in which one of the items will be “Link a bank card”, which we need to select.

Now you need to fill in the card details in the appropriate fields and click “Continue”. For linking a card, you will be charged one ruble, which will be credited to your wallet, and a commission of one kopeck will be charged.

After linking, a message with a password will be sent to your number, which you must enter in the line and click “Send”, thereby confirming the linking of the card. A message about the successful operation and a suggestion to go to settings will appear on the screen. In them you can rename cards, attach new ones and perform other operations.

How to pay for an Aliexpress order with a World with Birds card (pension card)?

You are once again going to buy things on and pay with a Mir Pension card. First, find out whether you can use it to make payments on Internet resources; this can be done by phone hotline or from a bank employee. If this service disconnected ask to connect. After this you can select products and place an order. Then click “Buy Now”.

We carefully check the delivery address and your data. Now in the third item “Payment methods”, select the second item “Other payment methods” and click the “Confirm and pay” button. After this, a form will appear on the screen to fill out, in which we enter the data from your card (number, last name and first name of the owner, security code). Next, you will receive a message on your phone with a payment confirmation code. It must be entered in the line and the debit operation must be confirmed. Paying with Mir cards is convenient, fast and safe.

This article talks about the wallet from Yandex and MIR cards. Using the above information, you can register online wallet, attach a Russian card to it settlement system and make purchases on . .

Since its launch in 2015, many reviews from real owners have appeared online about the card of the national payment system (hereinafter referred to as NPS) MIR. Based on them you can judge not only the minuses, but also the pluses banking product. Today we will look at how profitable it is to issue a MIR card at Sberbank, what are the conditions for its service, cost, advantages and disadvantages. We will definitely answer the question - does Sberbank issue MIR gold cards.

Pros and cons of the MIR card in Sberbank

Of course Sberbank, as the largest provider banking services and a monopolist in the field of servicing government and budgetary organizations, was the first to join the NPS and began issuing MIR plastic cards in the classic directions (for any clients), and.

Classic plastic card

In general, for an ordinary user, MIR is no different from a bank card of any other payment system. The card performs its main functionality (including pension and budget) without problems:

• You can pay with it in stores (which have MIR reception) and on the Internet;
• Easy to snap to personal account Sberbank online and make payments;
• Can be used at ATMs and Sberbank terminals to pay for services, send money transfers, depositing or withdrawing cash.

The MIR card account in Sberbank can only be linked to rubles - a definite minus. For example, Alfa-Bank allows you to link MIR in your personal online account to any account opened in foreign currency (euro/dollars), even if the card was issued as a ruble card. Rebinding takes place in a couple of minutes.

It is worth mentioning that Sberbank does not support the issuance of MIR gold cards (premium), nor those combined with other payment systems.

The cost of an NPS plastic card at Sberbank is 750 rubles. for the first year of service, 450 for subsequent years. This price tag is hotly debated among users, causing outrage and is considered an absolute minus.

On the one hand, it’s strange to hear the indignation of Sberbank clients; the bank has never been known for its loyal commissions on cards - the cost of servicing standard Visa and MaskterCard is identical to MIR. On the other hand, the price tag is clearly higher than that of most NPC participants.

For comparison, the classic MIR URALSIB Bank - 299 rubles per year, Visa and MK - 599 rubles, in Alfa-Bank - cards are free within any three service packages (even the most economical). UniCredit Bank issues and services plastic card WORLD for only 500 rubles per year.

But Sberbank does not offer the highest price tag. For example, at Gazprombank, all plastic cards of the classic series (MIR, Visa, MasterCard) will cost the client 1000 rubles. in year. The high price of GPB is justified by the fact that the bank is one of the few that offers MIR integrated with the Maestro and JSB payment systems. Sberbank does not offer such options, so clients do not have the opportunity to pay with a card abroad - reviews note this as a significant disadvantage.

Clients have no complaints about the limits - 1.5 million per month and 150 thousand per day for cash withdrawals, 0.5 million per day for transfers - neither plus nor minus, similar to other classic cards.

Please note that replenishing a card at a Sberbank ATM in another region (not in the region where the card account is maintained) is subject to a commission of 1.25% (from 30 to 1000 rubles).

The card can be obtained from 14 years of age and is valid for 5 years. Additional cards not included in the main one.

A long-awaited advantage of the card was the introduction of a contactless payment system; now MIR from Sberbank also has this function. Many clients note joining the Thank you bonus program as a plus.

Pension card

Unlike state employees, citizens of retirement age experienced the mandatory change of bank cards least painlessly. According to the terms of service, nothing has changed for them. The only drawback is the fact that currently not all usual places can accept the card for payment.

Pension MIR is issued and serviced free of charge - a plus. The card account balance is charged 3.5% per annum - another plus. An additional advantage is the Thank You bonus program, to which any Sberbank cards are connected, incl. pension MIR.

A small disadvantage is the paid SMS service - 30 rubles/month after expiration grace period(2 months). A little less and limits on pension cards- 0.5 million rubles. per month and 50 thousand rubles. per day for cash withdrawal.

Otherwise, all tariffs applicable to the classic plastic MIR also apply to the pension one.

Does Sberbank issue gold MIR

Let us emphasize once again that Sberbank does not issue the MIR gold card. The official website of the payment system states only three types - debit, classic, premium http://mironline.ru/card/.

Logically, gold card- the same bonus. Its issue is carried out by about 10 banks, including Zapsikombank, Promsvyazbank (within the framework of private banking), Sarovbusinessbank and others. Full list bank issuing premium and gold MIR is available at the link http://news.mironline.ru/news/massmedia/2016/393/.

Conclusion

The MIR plastic card from Sberbank is a good alternative to foreign payment systems. The card has enough pros and cons. It provides less freedom of action than conventional analogues, but at the same time reliably protects its owner from possible technical failures associated with the geopolitical situation - it was this factor that initiated its development. For lovers of patriotism and new citizens of our country, the developers pointed out that the MIR card has become the only opportunity for residents of Crimea not to lose social and budgetary support for the New Motherland as the main advantage.