Social card of the Savings Bank. Sberbank: social card for pensioners

In recent years, the number of holders of social cards of Sberbank of Russia has increased significantly, as well as users of pension cards. This was achieved thanks to the planned work of the financial institution to re-register the savings books of citizens and cooperation with the PF. In addition to customer comfort, such changes have led to an increase in the bank's own revenue. After a reduction in queues at the offices' cash desks, it was possible to reduce the item of labor costs for additional employees, and the costs of printing savings book forms are decreasing every day.

Who can get a social card?

In accordance with the Savings Bank's pension program, depending on the category of financial security, one of two possible cards can be opened: social or Maestro. The first is given to people who receive a pension for old age, loss of a breadwinner or disability. As for the conditions for issuance of the second, it can be obtained by citizens from the age of 14, who have a permanent registration in the region of registration and the right to receive social security.

What do you need to open a card?

Naturally, in order to count on receiving a social plastic card, it is necessary to refer to the category of citizens receiving financial means from the state. In other words, initially it is necessary to formalize pension or other social payments in the PF and only then apply to the nearest branch of the bank. It should be noted that in some cities of the Russian Federation, employees of the Pension Fund themselves submit their clients' documents to a financial institution, and they automatically register a social card of the Savings Bank. However, not everyone is so lucky, therefore, those who are not included in the category of "lucky beggars" will have to work hard.

After registration of pension provision, a person must apply to the bank and sign a cooperation agreement. Further, during 10 working days, the financial institution must issue a personal card of the client and issue it. But this should be only by law, but in fact, this period is from 2 to 4 weeks. The bank's employees are obliged to notify the client by phone about the possibility of reception, but some do not bother with this, so pensioners need to call the bank systematically and make inquiries about the readiness of their card.

Card expiry date

The Savings Bank "Maestro Social" card is issued to the client for 3 years, as evidenced by the information on its front side. If, two months before the indicated date, the client has not notified the financial institution of the refusal to cooperate, the contract is prolonged. Therefore, the bank will automatically reissue the new card, and the old one will have to be handed over. For comfortable use of funds, customers themselves must monitor the validity period and contact the financial institution in a timely manner for exchange.

Advantages of additional card

To say that pensioners are elderly people, whose living conditions require increased comfort, it probably should not be. Everyone knows about this, and the bank's employees are no exception. That's why those who already have a social card of Sberbank, offer to get one more. It can be used by members of the pensioner's family or trustees to make purchases and pay for services. The client should notify the financial institution of the decision to receive an additional card and write a corresponding application as a written confirmation. In this document, the client must specify not only his requisites, but also the data of the future holder.

Who can become an owner of an additional card

Under the terms of the social program of the bank, even a child of 10 years can be appointed an owner of an additional card if he is a close relative or wards of a pensioner. If a small client has official representatives (parents) for processing a banking product, their permission will be required. However, after reaching a man of 14 years, no such confirmation is needed.

In order to control the funds, it was exactly the one who has the main social card of Sberbank, the program has certain conditions. So, at the request of a pensioner, you can set monthly limits for any transactions. To do this, you just need to contact the bank branch and write a statement with exact amounts. As a result, the owner of an additional card will be able to use only a certain amount of money, regardless of whether it is receiving cash or payment transactions through the terminal.

Disadvantages of social and additional cards of Sberbank

Before considering the so-called shortcomings that the social banking card of Sberbank possesses, several other aspects need to be analyzed. For example, everyone understands that most pensioners prefer to use cash and do not trust financial institutions very much. People at this age are still difficult to adjust to the modern type of calculations, not only because of stereotypes, but also because they are afraid to be deceived, and also do not understand the principle of the system. Therefore, the lack of CVV2 / CVC2-code, which is used to identify the card when buying goods on the Internet, many do not even notice.

As for the service of the card, in the territory of the Russian Federation it is carried out in all ATMs, cash outlets and branches of the Savings Bank of Russia. Having traveled abroad, clients can receive cash only at subsidiary banks and their ATMs, other financial institutions do not have permission to carry out such operations.

Another limitation that each social card of Sberbank has is that it can not be used for crediting other income. It is also worth noting that operations on a pension card account can be carried out only in the national currency, but this is not a problem for most modern pensioners.

Additional income for customers

You can get additional funds from the participants of the pension program of the bank, for this you should not cash out available funds. And already after the end of the quarter, everyone who has a social card of the Savings Bank, the interest will be credited to the account. In the current year, 2014, each client of this program receives an income of 3.5% per annum on the balance of funds. To some, this rate may seem too small, but so the bank stimulates not only an increase in its own working capital, but also allows pensioners to get a small profit.

Tariffs for service

Everyone understands that the transition from savings books to card accounts is carried out not only for the comfort of citizens, but also for increasing the profit of the bank itself. After all, people used to stand in huge queues, but received a pension in full. Today a person who has a social card of the Savings Bank pays not only for additional services, but also hidden fees.

The card is not provided for the main card under this pension program of the bank, but an additional amount of 150 rubles will be charged for an additional annual fee. The commission fee is not withdrawn as in the replenishment of the account, or withdrawal of cash. Although there are some niceties here, such terms of service will be unchanged if the client cashes up to 50,000 rubles, in other cases the commission will be 0.5% of the exceeded amount.

Another paid service for the social program of the Savings Bank is re-issue of the card or change of the personal data of the client. Of course, we are not talking about the planned replacement of the product after the expiry of the term of use, it concerns only the situations that have arisen due to the fault of the holder. A lost social card or making changes to the base will cost the pensioner 30 rubles, it would seem, a small amount. However, given that due to age, many customers can forget the card simply in an ATM or do not remember the PIN number, then a decent amount will accumulate in a year.

Benefits for social card holders

In order to attract more customers, each regional branch of Sberbank concludes cooperation agreements with various retail outlets, which subsequently provide retirees with a discount on the goods. As a rule, the social card of Sberbank of Russia allows the owner to purchase the necessary things by 1-12% cheaper. You can get acquainted with the list of such stores and pharmacies on the website of the financial institution or in any regional branch of the bank.

Special attention should be paid to the fact that all participants in the social program can connect an automated system for managing a personal account "Sberbank Online" or "Mobile Sberbank". A social card for pensioners who can use the Internet, becomes an indispensable assistant in life. After all, only auto payments for utilities will avoid tiring queues in the cash register and waste of effort.