What is the best bank plastic pension card?

Today, banks offer a wide range of social cards. They can keep scholarships, benefits, pensions, transfer interest on deposits. It is necessary only to disassemble in the proposed conditions in order to choose the best bank for servicing.

Social card

This banking product was originally designed to receive and store various social benefits: scholarships, pensions, benefits. But today the functions of this payment tool go beyond the standard. A pension bank card replaces its holder with the MHI policy, travel document and payment instrument. The placement of photographs on the back of the plastic indicates that in the near future it will replace the pension certificate of citizens.

Decor

The pension card is issued on the basis of a written application of the client who provided the passport and pension certificate. Usually such programs use cheap cards - Electron, Cirrus, Maestro. Release and maintenance of plastic is free. The card is valid for 3 years. You can get a pension card at the office immediately after signing the contract. This is not a personal plastic, so it will not be long to wait for its release. SMS-informing and Internet banking services are free of charge. Through Internet banking, any payments are made: from replenishing the phone to paying fines and utilities.

In some cases, a pension bank card is used as an account to which credit funds are transferred. But not all banks provide overdrafts on such payment instruments. The maintenance of social cards is usually entrusted to large financial institutions. Their income in this sector can be several percent of revenue. But the main reason why banks are trying to serve social projects is that this direction brings a small but stable income, increases the trust of regulators to a financial institution.

The commission is not charged for withdrawing funds from the "native" ATMs. But there are internal limits of credit institutions. For example, in Sberbank, the daily limit is 50 thousand rubles. For withdrawing from the account a larger amount will have to pay 0.5%.

Pension cards of banks unload employees, reduce expenses for customer service, issue passbooks and increase turnover in accounts through social "plastic" services.

How to choose a bank?

Crediting of funds to the account is carried out without commission. But this rule applies only to social payments. For the transfer of funds between individuals will already be charged a commission. These conditions are the same in all banks. Therefore, when choosing a financial intermediary, one should be guided by other criteria.

First, a card must be opened to the account to which the social payment is transferred. Otherwise, to receive a pension, you will have to stand in line at the bank branch. The same problem is faced by people who receive payments through the Post of Russia.

Secondly, it is of great importance that additional cards can be issued to the account. If the pension card is used as a "common boiler", then all family members should have access to the funds. In this case, one card will be small.

Thirdly, you should ask in advance the number of ATMs in the city. There is no sense in making out a payment instrument in a large bank, if there are no ATMs of this credit institution or its partners in your city. Non-cash payment of goods in any case will be free of charge. But for the withdrawal of funds will have to pay a commission.

If the social payment is not immediately spent, but is accumulated in the account, it makes sense to ask the size of the interest rate on the balance of funds. Most banks provide this service. But subject to fixing a certain amount on the account for at least a month.

Terms and Conditions of Sberbank

The pension card of the Savings Bank allows holders to receive an additional 3.5% on the balance of their own funds. At the request of the client, you can issue additional plastic for 150 rubles and pay as much for annual maintenance. In case of blocking the PIN code or losing the card, you will have to pay 30 rubles.

You can not enter the Internet banking without first connecting SMS-informing. The password for authorizing and completing all transactions is sent in the form of an SMS message. After registration, the first time you log in, you need to change the password. After that, you can manage the account to which the pension card is connected. Interest is charged to the balance of own funds on the account at a rate of 3.5% per annum. Payment is made once a year.

Social pension cards have two serious drawbacks. They operate only in ATMs of outside agencies. That is, you will not be able to go abroad with such a payment instrument.

Service Packages

The Pension card of the Savings Bank can be serviced according to one of such tariff plans: "Full" and "Economical". In the first case, each operation must be confirmed by a one-time password, which will come in the form of an SMS message to the specified phone number. It will also include all information about the flow of funds on the account. The monthly subscription is 30 rubles. The package "Economical" does not provide for informing customers about the operations performed, but messages with the 3D-code necessary for confirmation of operations will be received.

"Bank of Moscow"

In addition to Sberbank, the social "plastic" produces a few more institutions in the country. The pension card in the Bank of Moscow is issued for 10 days. With the help of Visa Electron, you can participate in auction programs for goods, medical care, receive benefits for travel in the metro, ground transport and on the railway.

Pensioners may not take a medical policy when they visit the hospital. All their data is already in the card. Holders of plastic can receive a loan in the form of an overdraft for 2.5 months at the maximum amount of 98% of the average amount of pension and repay it from all incoming payments.

Rosselkhozbank

This credit institution issues a free MasterCard Country card immediately upon visiting the branch. 7% per annum is charged to the balance of funds on the account. You can withdraw money through the ATMs of Promsvyazbank and Alfa-Bank. The holder is informed of the crediting of the amounts to the account in the form of an SMS message.

As part of the "Pension" package, it is planned to issue up to eight additional cards of the local payment system or MasterCard Worldwide. Participants in the program can be Russian citizens who receive a pension or any other social benefits. The account is opened in Russian rubles.

«ACTIVE BANK»

The pension card of this institution can be used to receive payments from (not) the state FIU. The balance of savings will be accrued on a monthly basis of 5%. Information on receipt of funds to the account holders receive in the form of SMS-notifications. The cost of this service is 30 rubles. per month. You can dispose of the funds around the clock, paying for goods in retail outlets and via the Internet. You can withdraw cash without commission only at the "native" ATMs.

Other offers on the market

The pension card of "Khanty-Mansiysk Bank" allows holders to accumulate an additional 4% per annum on the balance of funds. Directly through the ATMs you can pay for utilities and telecommunications services, taxes.

Holders of social plastic "PrivatBank" receive on the balance of the account, which exceeds 3 million rubles., 7% per annum, but for withdrawing funds through the cashier you need to pay 1%. The card can be issued only at the branch upon presentation of the passport, pension certificate and certificate from the social protection body.

Conclusion

The best pension card each person chooses for himself. The number of serving banks in the market is small, but the conditions for each are almost identical. Opening, maintenance of the account, transfer of social benefits are always free of charge. But for prompt information on all movements in the account, the connection of additional cards will have to pay a commission.