Maestro Sberbank annual. Sberbank social card. How to apply for Maestro from Sberbank of Russia

Sberbank offers a number of cards designed specifically for pensioners and youth. These are entry-level cards that have the lowest annual maintenance cost (sometimes free) and are intended for receiving pensions, social benefits, scholarships, etc.

Also, like other Sberbank debit cards, Maestro "Social" and Maestro "Student" cards have all the features of modern bank cards, with the exception of a few minor restrictions.
With the help of such a card, each pensioner gets the opportunity to pay for purchases in stores, pharmacies, housing and communal services, a telephone bill, and make cashless money transfers through an ATM or terminal. In many pharmacies and stores, there are even decent discounts for holders of such cards. And most importantly, you no longer need to go to the post office or the bank every month to receive a pension or other social benefits. Your pension will be automatically credited to the card, and the bank will immediately notify you of this by SMS.

Some pensioners are still distrustful of the proposal to exchange a passbook for a Sberbank card. As a rule, the reason for this is the lack of confidence in a new and unfamiliar service for them. In fact, using the card is quite simple, and an ATM is no more complicated than your cell phone, especially since friendly consultants will help you in any bank branch. It is very convenient and easy to use a bank card, and if you have not received it yet, read this article. In it, we will consider in detail how to get and use the Sberbank-Maestro "Social" card.

How to withdraw cash from a card at an ATM

It is not difficult to issue a bank card, it is enough to contact any branch of Sberbank, having a passport with you. And in a few days, an employee of this bank will call you and offer to pick it up. Not only pensioners or people receiving social benefits can get this card. Young people over the age of 14 who have a passport can also get a Maestro "Social" card. But it should be noted that Sberbank issues a number of other cards for young people, one of which is called the Youth Card. It has a number of its own interesting features for young people, but let's get back to the card, which is intended mostly for the elderly, pensioners.

The first and most important advantage of a plastic card is that it will be extremely easy for you to receive your pension or allowance. Exactly, in due time, an SMS will come, where it will be indicated that your pension in such and such amount has been credited to the card account. Wait a bit, but better, at the end of the next day, go to the bank and withdraw the amount you need in cash from an ATM. Why not right away? Because the money is first credited to the bank card account (it is indicated in the envelope with a pin code) and only after a short processing becomes available for withdrawal at an ATM.

How to withdraw cash from an ATM? There is nothing easier. You need to insert (correctly) the card into a special window, the ATM will pull it in further, you do not need to push the card. A prompt will appear on the screen to indicate the PIN code of a bank card. Type four numbers on the keyboard and then click the "Continue" button. Everything is now even easier. You just need to lightly press with your finger (on the screen!) The type of operation, well, since we are withdrawing, it means "Cash withdrawal". Also on the screen, select the amount of the amount and click "Get".
If you need a different amount, for example, not 1000 rubles, but 1170 rubles, you need to click the "Other amount" button and then on the keyboard where you typed the pin code, indicate the amount you need and click "Get".

First of all, the ATM will issue the card back, immediately take it away. Try to always pick up the card first, after the money and only then the receipt. Do not forget this order, because if you do not pick up the card for a long time, the ATM may "think" that you left and forgot to pick it up. And so that an outsider does not take it away, he will pull it back.
The receipt must also be taken away, because it is not just a piece of paper, but a document confirming the operation. In addition, the balance of available money on the card can be indicated there. And do you want someone to know exactly how much?

This article is intended for those who have not yet issued a Maestro "Social" card at Sberbank, and for some it may seem a little naive. In this case, you can read the recommendations on how to use the card safely. We will continue to learn how to use the map.

How to use the Maestro "Social" card

The main difference between the Maestro "Social" bank card is that you will not be able to use it to pay for goods in the online store. But it can be done very simply and quickly in any real store, pharmacy, etc., where there are special devices for plastic cards. And it seems to me that this will not really sadden you, because with this card you can pay for utilities, telephone, etc. And, if necessary, transfer money from the card to your relatives, pay for the phone to your grandson and much more.
If you need to pay for goods on the Internet, you can open another card at Sberbank, for example, Visa Electron.

But back to the question of how to use the map. You have already withdrawn money from the card at an ATM and next time you will do it confidently and quickly. But let's look at this process from a security point of view. First, about the PIN code. Probably, you yourself guess that you need to dial the pin code so that outsiders do not see it. You can even cover it with your hand, as Sberbank recommends. You must be sure to "firmly" remember these four numbers. No need to write them down in a notebook, and even more so on a map. Both the notebook and the card can be lost, and with them the money. They can be easily remembered if you choose any date for these numbers, for example, the day and month of the birth of a granddaughter.

In addition, remember that no one except you knows the PIN code, and even bank employees will not be able to tell you. If you forget it, you will have to issue another card and get a new pin code. But that's not all. If you type the code incorrectly three times in a row, you will not be able to withdraw money from the fourth, even correct attempt. For security purposes, the card account will be automatically blocked by the bank. In the best case, the account will be unblocked in a day, at worst, you will have to contact the bank and write an application, because after the third wrong attempt, the ATM can “take away” your card as well.

Secondly, you can withdraw money and perform other operations using this card only at ATMs or Sberbank terminals. This restriction has no practical significance, since there are plenty of bank branches and ATMs in any city.

Each bank card has its own validity period (3 years), after which the card must be returned to the branch of the bank that issued it and a new one must be obtained. It is advisable, in advance (one month) before the expiration date, to find out from a bank consultant what you need to do to replace the card.

The Maestro Card - Social Sberbank is not issued to everyone, but only to those categories of citizens who receive pensions and social benefits. Therefore, in most cases, the card is issued free of charge and there is no subsequent annual maintenance fee. But in some cases, payment may be provided (up to 150 rubles per year). In this case, this amount will be automatically debited from your account every year.

If you lose your card, or if you forget your PIN code, a new card is issued. This is called in the bank an early card reissue, the cost of which for this type of card is 30 rubles.

Using the Maestro - Sberbank "Social" card, you can pay for housing and communal services through terminals. This is done quite simply, but for the first time, ask a consultant for help. In short, you will need to select an organization in the "Payment of utilities" section, for example, supplying you with hot water and indicate the amount, period and details of your receipt and, of course, pay.

Sberbank also offers a number of additional features for your card. For example, connect Mobile Banking. This service turns a mobile phone into a real banking instrument. At first, you can connect a free, "economical package" of the Mobile Bank. He does not have many opportunities, but for example, in case of loss of a bank card, using SMS, you can quickly block it.

Additional features of the "Social" card

Especially for the elderly, Sberbank provides the opportunity to receive money from your card to relatives or other trusted persons. This is very important for people who are often ill and who use the help of other people.

Part of the money from the card account can be withdrawn from an ATM by a person you trust. But pay attention, it is part of the money, and you must document your trust. To do this, you need to fill out an application at the bank, which indicates the last name, first name, patronymic of the person to whom you instruct to withdraw money from your card. You also indicate what amount (limit) per month he can withdraw from the card. In the name of this authorized person, the bank will issue an additional card. If necessary, he will receive part of the pension, give it to you or buy goods you need with this money, for example, medicines in a pharmacy, etc.
If you have a grandson and he is already more than 10 years old, then even he can get such a card. In other cases, this person must be over 14 years old.

For pensioners receiving a pension on the Maestro card - "Social" interest is charged on the balances in the account. Just like on a passbook, in this way Sberbank destroys the last argument in favor of a passbook. Specify the amount of accrued interest (was 3%) at the bank branch, since this figure may change and we would not like to inform you inaccurately. By the way, try to clarify any information on how to get a Sberbank Maestro card - "Social", the conditions for obtaining it and other details at Sberbank, since only bank employees can tell you accurate and up-to-date information for today. Our article is only informative, general, although we have tried to make it as complete and accurate as possible.

Pay attention to the date of publication of the article, perhaps at the moment some of the information is outdated or has changed.
Publication date: 14/05/2013

Maestro "Momentum" is issued free of charge and it fully justifies its name "Momentum", since you can get it literally 15 minutes after the contract is signed.

From any card other than a credit card, you can transfer money to another card. The easiest way to transfer money from card to card is to use an ATM.

Often, for those who are going to get a bank card and sometimes even already have a card, many questions arise: What kind of card do you need to have so that you can use it without restrictions everywhere, even abroad? What is the difference between Visa plastic cards and Mastercard?

The Sberbank youth card is practically no different from the Maestro card - Sberbank "Social", but has a number of features, one of which is the opportunity to get a unique design.

Both for opening and closing a card, the bank has certain rules that are detailed in the contract. By the time the bank card is closed, there should be no debt on the account. The account is closed only after the written request of the owner.

The development of the banking system has led to the massive use of non-cash payments. The value of a bank document confirming the transfer of funds to someone's account has increased. We do not go to the management company or the housing office with cash, but we carefully keep receipts for payment of utility bills.

Technological progress has made it possible to minimize personal communication between customers and the bank. The black stripe on the plastic card stores information about the holder and his bank account number. The progenitor of such a band is a tape recorder.

Numerous terminals (cashiers, ATMs) connected via a wire to the bank's system are able to read information from the magnetic stripe and perform operations with account funds. In confirmation, the account holder receives a check or statement of the transaction.

Most organizations have switched to a non-cash form of remuneration. Pensioners have the opportunity to receive a pension to the card account without having to visit the bank. Many have managed to appreciate the comfort of Maestro's plastic card, got used to it. Since July 2017, the issuance of the MIR instead of the Maestro began. Why? What for? What is the difference? Who needs it?

What is the MIR payment system

A payment system is a system for non-cash payments and transfers. It can exist at the level of the enterprise, city, country, world. Its smooth operation is ensured by equipment, rules, programs, services and employees. The most famous international payment systems are Visa, Master Card.

MIR is the Russian system. Its development began in 2014.

The difficult situation around Crimea and economic sanctions have made the use of international systems vulnerable. The work of some of their participants began to fall under sanctions, paralyzing payments. In order to ensure the independence of Russian citizens from the political decisions of other countries in non-cash payments, the government decided to create its own payment system. According to the results of the national competition, the name MIR was chosen.

The first MIR cards were issued in 2015. From July 1, 2017, all points of sale that accept non-cash payments are required to accept MIR. There are payment restrictions outside the Russian Federation. It will be possible to pay without hindrance only in Armenia.

The reception of the MIR in Turkey, Thailand, the United Arab Emirates, the EurAsEC countries is being coordinated. Released jointly with other countries. Such cards in Russia work like the MIR, outside the Russian Federation as maps of systems of other states.

The set goal has been achieved - we can pay within the country in a non-cash way, regardless of political relations with other countries.

What is the MIR Pension Card?

Bank card for receiving pension payments. After the money is credited to the account, they can be fully or partially withdrawn from an ATM, and also paid with them without cashing out.

Please present your credit card instead of banknotes. In stores that accept non-cash payments, there are special devices at the checkouts. If you have any difficulties, contact the cashier for help.

To complete the payment, you will need to dial a PIN code. You receive it together with the card on a separate piece of paper in an envelope, or you set it yourself after receiving it. In any case, these are 4 numbers known only to you. You can't tell them to anyone.

Terms of receipt

The MIR pension card from Sberbank is serviced at a reduced rate. To qualify, you must meet the following requirements:

• age 18 and over;
• be registered in Russia;
• be entitled to receive payments or benefits from the pension fund and other pension authorities.

The pension authorities include the relevant units of the Ministry of Defense, the Federal Security Service, the Federal Penitentiary Service, the Ministry of Internal Affairs, the Investigative Committee, the Prosecutor General's Office, and the Federal Customs Service of Russia.

Payments from the pension authorities of the Russian Federation are received by citizens of the Russian Federation, as well as citizens of other states and stateless persons. All of them, having confirmed their receipt of a pension, can receive a pension plastic from Sberbank.

Registration is carried out at any office of Sberbank.

You will need:

• the passport;
• confirm receipt of a pension;
• order a release; standard application form, filled in the bank;
• at the appointed time, come with a passport to the bank branch, pick up the finished card.

Validity and terms of service

The MIR card for pensioners in Sberbank is always debit, issued for 5 years, serviced at a rate that allows for the complete absence of paid services:

Service	Price
Service	Is free
Reissue due to loss of card or PIN code, change of full name	30 rub.
Reissue for other reasons	Is free
Depositing cash to a card at ATMs and cash desks of Sberbank	Is free
Cash withdrawal:
- at ATMs and cash desks of Sberbank	Is free
- at the cash desks of other banks	1%, minimum 150 rubles.
- at ATMs of other banks	1%, minimum 100 rubles.
Cash withdrawal	Up to 50 thousand rubles. per day
	Up to 500 thousand rubles. per month
Payment at retail outlets (shops, cafes, gas stations, entertainment venues)	No additional fees, only the amount of the purchase
Information about the balance in ATMs of other banks	15 rub.
Mini-statement at a Sberbank ATM, 10 recent transactions	Is free
Cash flow statement	Is free
"Mobile Bank" - account management via mobile phone	30 rub. You can get acquainted with the service during the first two months, when the service fee is not charged.
"Mobile Bank" economical account management package via mobile phone without SMS informing about transactions	Is free

Interest on balance

The bank charges 3.5% per annum for your money in the account. This means that 3.5% is charged on the amount if it lies on the account for 1 year. But the amount on the account can change every day.

When calculating interest for less than a year, the interest rate is divided by 365 days, multiplied by the number of days the money is in the account. For independent calculation, we recall school mathematics: when calculating, we take shares, not percentages. 3.5% = 3.5 / 100 shares = 0.035 shares.

The bank takes into account the funds from the next day after the change in the account balance. Interest is paid every 3 months for the actual number of days.

Let's look at an example:

On the same day, you removed 2,000

From May 5, the remaining 8,000 will be taken into account when calculating interest. For each day will be credited: 8000 x 0.035 / 365 = 77 kopecks.

From May 19, the remaining 2,000 will be taken into account for calculating interest. Daily: 2000 x 0.035 / 365 = 19 kopecks.

From June 5, 12 thousand are accepted for interest calculation. For each day: 12,000 x 0.035 / 365 \u003d 1.15 rubles.

days	accruals
From 05.05 to 18.03 = 14 days	14 x 0.77 = 10.78
From 19.05 to 4.06 = 17 days	17 x 0.19 = 3.23
From 5.06 to 7.06 = 3 days	3 x 1.15 = 3.45
From 8.06 to 1.07 = 24 days	24 x 0.67 = 16.08
Total	10,78 + 3,23 + 3,45 + 16,08 = 33,54

For the period from May 4 to July 1, Sberbank will credit 33 rubles 54 kopecks to the MIR pension card on the account balance.

The cardholder has the right to replenish the account, 3.5% per annum will be charged on the entire balance. The rate is lower than deposits. However, the registration of the deposit takes time, and deposits with a higher percentage impose obligations. The higher the percentage, the more restrictions on using the money before the deposit expires: it is not always possible to withdraw, report.

On a pension card, money is always available, interest is charged on the balance, regardless of its amount and the period the money is in the account.

Account management from home computer

The Sberbank MIR card for pensioners can be managed and used via the Internet. A personal account in Sberbank-online allows from any computer connected to the Internet:

• receive full account information;
• pay utility bills, taxes, fines, duties with a reduced commission, cellular communications - no commission;
• transfer money to the accounts of legal entities by details or name, individuals - by account, card, phone number.

The system generates an electronic payment document, before debiting funds, it offers to check the correctness of filling, confirm with a one-time password. The password will be sent to your phone via SMS, it is valid for 5 minutes. You can request it again if 5 minutes is not enough for you.

Access to Sberbank-online is free. To start using it:

• get your username and password at the ATM;
• on the bank's website, find a link to go to the online service;
• Enter login and password;
• the system will send a one-time password to your phone number, you need to enter it in the appropriate box within 5 minutes; if necessary, you can get a new one, it's free;
• a personal account page will open with a friendly menu.

At a bank branch, you can ask an employee to help you get a login and password, as well as show on the bank computer how to use the online account. Consultants help everyone.

Additional features

The Piggy Bank service helps to automate the accumulation of comfortable amounts for you on a separate account. However, for pension projects, the service can be beneficial if you set aside at least 1 thousand rubles for each transfer. Otherwise, it is more profitable to keep money on a pension account at 3.5%.

Bonuses can be connected to the MIR card Thank you. For non-cash payments in stores, at least 0.5% of the amount spent will be returned to a separate bonus account.

How to apply for a pension on the MIR card?

You can make a transfer in the region of your registration. With a passport and SNILS, contact a branch of Sberbank, MFC or PFR to apply. It can be filled out on the spot or in advance by printing the form from the Sberbank website.

Pros and cons of the card

The pension card has its pros and cons. The advantages outweigh the disadvantages:

• issuance and maintenance are free;
• the ability to connect additional paid services at a reduced rate;
• the ability to use throughout the country, including the Crimea; for comparison, international payment systems do not work in Crimea due to sanctions;
• The operation of the MIR payment system does not depend on foreign policy.

There are disadvantages:

• restrictions on use outside of Russia;
• not all online stores are ready to accept WORLD.

Problems with acceptance for payment are being actively resolved.

Why does the Maestro change to MIR?

Maestro social card

The development of banking services has led to the massive use of plastic cards. To refuse them could be a big step back in the development of society, such a refusal would provoke long queues for making non-cash payments, and for receiving cash.

Remember the live queue at the Savings Bank to pay for a communal apartment. The modern standard of living cannot cope with this. Untimely payments of many obligations will rapidly accumulate, and a deep economic crisis will arise.

Maestro is served by the MasterCard payment system. The company is headquartered in the USA. It is extremely difficult to influence its decisions from Russia. The events of 2014 confirmed this in practice. Cardholders of international systems have experienced serious difficulties in using them due to sanctions. Huge queues at banks and overdue payments appeared instantly.

One of the main duties of the state is to ensure the security of citizens, including economic. The issue of an independent system of non-cash payments came to a head. Thus, the MIR system appeared.

The transfer of budget payments from the American payment system to the Russian one is logical. For those wishing to use the service of international cards, the possibility of issuing such a card is available, but separately from budget payments and without preferential services.

How is it different from Maestro?

The main difference between MIR and Maestro is that they belong to different payment systems: Russian and international. For Sberbank social card holders, this difference is expressed as follows:

In practice, most pensioners do not notice the difference in the use of cards. Comparing 2 products, note the design and design.

Is it necessary to change?

There is no need for Maestro holders to apply early for a replacement. The national program provides for a gradual transition to MIR until July 1, 2020.

From 07/01/2017, newly applying for a preferential social card can only receive MIR, current Maestro holders can use it until the end of the validity period without exchange. At the next reissue, they will be asked to replace them with MIR.

The right to receive social payments to the account without issuing a card is retained.

How to refuse the MIR card?

If you have not received it yet, it is enough just not to take it from the bank. If you have a MIR card, after using it for a while, you consider it unnecessary, contact the Sberbank branch with the intention to refuse it. The employee will draw up an application in two copies, one for the bank, the second for you. Make sure that your personal data is filled in correctly, that the bank has a mark with the date.

The card must be destroyed in front of you by cutting. Save the statement, disagreements are unlikely later, but no one is immune from them.

Some banking specialists insistently suggest using the WORLD. Their ambiguous wording can mislead that receiving a pension is possible only through the MIR. This is a solicitation of services.

A legitimate alternative to the MIR would be to receive a pension through the mail or to a bank account with the ability to withdraw money through the cashier. Regardless of the method chosen, be sure to take care of informing the Pension Fund. Provide details of your account for transfer or intention to receive money in cash. Contact the Pension Fund in the region of your registration.

Are there options for receiving a pension on another card?

Changing the WORLD to Maestro, Master Card, Visa will not work according to the current law. Pension authorities are prohibited from transferring money to accounts connected to foreign payment systems.

An alternative option is available for advanced users of banking services:

• open a current account, report its details to the FIU;
• it is more convenient to open a classic card account at your own discretion in the same bank, although it is technically permissible in another;
• receive a pension on a current account;
• transfer money from the current one to the card account and use the usual way.

Such a scheme is not relevant for many. But for those who are used to using goods and services outside the Russian Federation, there is a high need for a Visa or Master Card. The described method offers a solution to the problem. Especially if you use the Sberbank-online service.

Conclusion

The WORLD is the subject of many controversies. Opinions differ not only among ordinary citizens, but also at the level of authorities. For example, the Antimonopoly Service does not approve of such an aggressive implementation. Pensioners and state employees do not have a direct opportunity to choose an alternative payment system.

The adoption of such drastic measures by the authorities is justified by the country's need for the independence of non-cash payments from foreign policy. An evolutionary voluntary implementation could take decades, the cost of maintenance services would be high due to the small number of users, the existence of the system itself would be in jeopardy.

First successes achieved:

• MIR has been providing uninterrupted work with non-cash payments in Russia for the third year already.
• in Armenia they accept a Russian card.
• Master Card has signed an agreement with MIR, and the first joint MIR-Maestro cards have already been issued, they can be used abroad.

The project has optimistic prospects. How it will look in a few years, how successful further work will be, time will tell.

Financial settlements without the use of cash are simple and convenient, which is why they are becoming more and more popular. On Opportunity "plastic» Many factors influence, including the type of payment system. The logo on the bank's card indicates that it belongs to it. The article discusses the features of cards Maestro. You will learn about their differences from analogues, features, method of obtaining.

What is Mastercard Maestro

Maestro is an electronic card of the Mastercard payment system. It is debit, i.e. on the funds that are stored on it, interest is not calculated. Often it is it that is opened for payroll. Maestro is considered an entry level card. It gives access to a small number of services and is inexpensive to maintain. Owners spend on the service, as a rule, no more than 300 rubles a year. Some banks do not charge this fee either (for example, Sberbank, Avangard).

The Maestro card number is usually not printed, the numbers are embossed on the front of the card (but there are exceptions). The "plastic" itself is equipped with a magnetic strip, sometimes also with a chip. Often this product is used for many social projects: it is issued to receive social payments, pensions, scholarships.

Features of the Maestro bank card

1. The card is not personalized (i.e. it does not contain the name of the owner).
2. Opening your own account is possible from the age of 14.
3. The Maestro number consists of 18 digits.
4. Each card transaction requires online authorization (entering a PIN code).
5. Maestro does not have the CVV2, CVC2 security code, which is required for online payment. The security code for these cards is SecureCode.
6. It is possible to deposit money for the purchase of goods / provision of services with a Maestro card on the Internet without CVV2, CVC2. For example, through Paypal.

Differences between Maestro, Mastercard, Visa

Often the owners themselves do not know the differences between the cards. When choosing a banking product, many people have a superficial idea of ​​the basic features of each type of "plastic".

What is the difference between Maestro and Mastercard

• Mastercard is an international payment system (valid in many countries). It includes several trademarks (TM), including Maestro. Those. this is one of the services of the system, which appeared in 1990 (the Mastercard system itself appeared in the mid-1970s).
• For transactions with the Maestro card, only online authorization is provided: the payment is confirmed by the client immediately (by entering a pin code or personal signature). Other Mastercard services allow voice or offline authorization. In the first option, the cashier who accepts payment contacts the bank by phone, confirming the operation. Offline authorization occurs without a momentary confirmation of the transaction. The required amount is debited from the client's account, and information about all received payments is transferred to the bank at the end of the day.
• The logos of both TMs are represented by intersecting circles, but in different colors (Mastercard - red-yellow, Maestro - red-blue).

What is the difference between Visa and Maestro

Services available with the Maestro card

1. Own funds are allowed to be deposited or withdrawn from the card at any time. You can add money to your account at ATMs with the option of accepting cash.
2. In most trade and service enterprises, Maestro payment for goods/services is possible. This applies to many shops, restaurants in Russia, but not all institutions abroad.
3. Maestro owners practice paying utility bills with a card, paying for the Internet and television.
4. It is available to the Maestro card to transfer money from both individuals and legal entities (for example, salaries or social benefits are credited in this way).
5. It is possible to connect mobile and Internet banking to the card.

Varieties of Maestro cards in banks

• Sberbank of Russia offers to open "plastic" Maestro free of charge for a period of 3 years in Russian rubles or US dollars. Opening an account in euro is available to those who apply for a loan in this currency. A card is issued immediately, upon conclusion of an agreement at a bank branch. You can't get paid for it. Additionally, the financial institution issues the following types of cards: Sberbank-Maestro Social and Sberbank-Maestro Student.
• Making a Maestro card Alfa Bank lasts about 7 days. You can also open an account in Belarusian rubles. Among the offered possibilities of "plastic" is a floating annual interest rate. It depends on the amount in the account. The rate is higher, the larger the balance of money on the card.
• Rosbank with the Maestro card, "My Style" provides a loan, and also gives you the opportunity to choose the design of "plastic".

What are the features of the Maestro social card from Sberbank

To receive pensions or social benefits, Sberbank of Russia offers to issue a special banking product - the Maestro Social card.

• It is issued only in rubles.
• Maestro "Social" service - free of charge;
• 3.5% per annum is charged on the card balance.
• There is a chance to issue additional cards. The service of each of them will cost the owners 150 rubles / year.
• If a pensioner works, then it will not work to credit the money he has earned to a social card. Its use in the framework of the salary project is not provided.
• But on the other hand, by connecting Sberbank Online, you can open deposits and transfer money to them from the card.

How to get Maestro card

Instructions for obtaining a card, as a rule, are standard for most banks. To get "plastic" with the Maestro logo, you need:

1. Fill out an application at a bank branch or leave an application online on the website.
2. Provide the bank with a passport of a citizen of the Russian Federation.
3. Pick up a card.

Advantages and disadvantages of Maestro cards. Reviews

The opinions of cardholders indicate such positive aspects of Maestro:

• ease of obtaining and using;
• issue and servicing at the expense of the bank;
• convenience in payment;
• receiving a card from the age of 14.

Among the shortcomings, among others, the following are noted:

• you cannot rely on the card when traveling abroad;
• For cards of some banks, there is a commission for cash withdrawals at regional ATMs.

1. When issuing a card, ask the bank for a limit on issuing money / paying for purchases. For example, with a Maestro card from Sberbank, you can pay for goods and services for no more than 100,000 rubles per day.
2. Transfer from card to card of one payment system is available via SMS or the Internet.
3. If you need to transfer money, for example, from Maestro to a Visa card, one of the options is to use an ATM that accepts cash.
4. Going on vacation abroad, you should find out how common the Maestro service is in the hotel/city/country where you will be staying. This information will be needed in order to know if you can withdraw money or pay by 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 are still wondering: does Maestro belong to the Visa or Mastercard payment system?

Let's answer right away: Maestro belongs to the MasterCard system and has an international status.

By purchasing Maestro, you get a debit card of the simplest level. It gives the owner access to non-cash use of personal funds. Having issued a card, you will be able to 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 customers: how much does the annual maintenance of the Maestro card cost? It is considered a budget product. The annual maintenance fee does not exceed 300 rubles. The product is given to pensioners free of charge.

Like most similar products, the Maestro debit card is valid for 3 years. After this time, you should re-issue.

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 issuing a card, you will receive the following features:

• Independent choice of currency for keeping funds.
• The advantage of remote account management through Mobile Banking or Sberbank Online.
• Customer loyalty system.
• Withdrawal of funds from ATMs of Sberbank of Russia and other financial systems. However, when withdrawing money from third-party ATMs, a fee will be charged from the holder.
• Cash withdrawal abroad at ATMs that cooperate with Sberbank.
• Transfer of funds between accounts.
• Using the "Auto payment" option, which allows you to automatically top up your cell phone account or pay utility bills.
• Cashless payment for purchases both on the territory of our country and abroad.
• Payment for purchases via the Internet.

Among the features of the Maestro card, it is worth highlighting the following:

• Being an instant issue product, it is not always personal. However, on salary and pension cards, the name and surname of the owner are indicated without fail.
• Own accounts cannot be opened by persons under the age of 14.
• The card number consists of eighteen numbers.
• Any transaction requires authorization by entering a pin code.
• The Sberbank Maestro 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 cards of this type was provided by the Secure Code system. Today, depositing funds for the purchase of 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: what to choose?

Most owners are usually not aware of the differences in payment systems. The selection of banking services is based on superficial knowledge about 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 withdrawal will be delivered to the bank at the end of the working day. Voice authorization is a confirmation of payment by the cashier by phone. It contacts the bank's security team and confirms your payment. This service is not new and is considered obsolete. However, it is still used in some cases.

Differences between Visa and Maestro. Visa, by analogy with Mastercard, is a payment system that consists of many brands. Visa or Mastercard - the choice is yours. However, it is worth noting that in the Visa payment system there is also a card that is an analogue of 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 Maestro Sberbank's bank card is in euros.

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

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

How to apply?

In order to become the owner of a Sberbank Maestro 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. Of the documents you only need a passport.

How to get a card? You can do this 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 with 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 the plastic of another bank.
• Replenishment of the balance using an ATM or terminal.

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

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

Card production time

In Moscow, St. Petersburg, Novosibirsk, Yekaterinburg, Nizhny Novgorod and other large cities, the card will be ready in 2-3 business days, in the regions, production and delivery will take from 3 to 10 business days. Delivery to remote locations may take up to 15 business days. Exact dates are available.

When issuing a card, only working days are taken into account. If you order it on Friday evening, then the production time will be considered from Monday.

You can see if the card is ready and when it will be delivered to the office in Sberbank Online in the "Cards" section.

What documents are required to obtain a card?

To pick up the card, please bring your passport or other document that was used to apply for the card. To get a card for another person, you need a notarized power of attorney.

What is the Mir payment system?

Mir is a Russian national payment system that meets international security standards. The Mir card is accepted wherever there are trade and service outlets and ATMs with the Mir logo.

Why is my Maestro card being replaced with a World card?

Your current Maestro pension card is about to expire. All Maestro pension cards, when reissued, are replaced by MIR Pension Cards (in accordance with Federal Law-161 "On the National Payment System"). The conditions for the product remain the same, additional services (mobile banking, auto payments) remain.

How to start receiving THANK YOU bonuses?

After receiving the card, you must register in the Thank You from Sberbank program. The easiest way to register is to send an SMS to number 900 with the text THANK YOU 1234, where 1234 is the last four digits of the card number.
You can also register in the program in your Sberbank Online personal account and at a Sberbank ATM - find the "Thank you from Sberbank" section and follow the prompts.

Bonuses are credited automatically when paying by card - their number depends on the privilege level.

It should be remembered that bonuses are accrued only when paying for goods and services. This does not happen when withdrawing cash from ATMs. But when paying for purchases remotely in online stores, bonus points are credited to the account Thank you.

Is it safe to use a contactless card?

Yes, the card is safe. It is always in the hands of the owner, so its data remains inaccessible to scammers. Making purchases without presenting a card and entering a PIN code is much safer, since no one sees the card details. In addition, contactless technology protects against double charges - after paying for the purchase, the terminal beeps and turns off automatically.