Pension account in Belarus Care for pensioners. And your grandmother was again right: Pension cards are becoming more progressive. Service Age

Modern banking technologies are able to significantly ease the life of older people. Several major Belarusian banks with an extensive branch network and developed infrastructure offer a simple and convenient banking product - pension plastic cards.

With confidence, it can be said that the pensioner may not far from home to find a bank branch with an interesting and advantageous offer to open such a card, and subsequently make money or carry out cashless payments using the nearest ATM. Large banks place ATMs in their branches and near outlets in almost all parts of the city.

Documents required for opening a pension bank card:

• passport;
• pensioner's ID.

The main advantages of pension bank cards

1. Refresiency

The owner of the pension banking card is available a number of free services:

Release of a plastic card;

Opening an account on which the pension will be listed every month;

Bank card service during its term;

Internet banking and mobile banking service.

SMS-alert about the receipt of money to the account, tied to the map.

2. Convenience.

The bank card for the pensioner will make the life of its owner of comfortable and pleasant, will save from standing in the queues in the bank, in the mail, in the store. Pension money is credited to the card quickly and on time. Free SMS confirmation comes to the mobile phone.

You can pay utility services, electricity, communication services without leaving the house, sitting in a soft armchair at a computer or in a park on a walk using a mobile phone.

And you can go without commissions to rent cash in ATMs. It should only be remembered that the removal of money is possible only in ATMs of the bank-issuer of pension "plastic" and partner banks. Therefore, before removing money, you need to be attentive to make mistakes not to cash the money in a bank that will require the commission.

The pensioner can easily pay purchases in the store, list money to another account or receive a money transfer from relatives, as well as replenish the account in the Bank's Office.

3. Efficiency

The owner of the retirement card Belarusian banks are ready to offer pleasant bonuses - discounts on purchases in stores, pharmacies, various service services and accrual interest on the balance of funds in the account in Belarusian rubles. Standard profitability - at the level of the refinancing rate of the National Bank and slightly higher. Some banks require the presence of a minimum amount on the account for interest accrual. For example, Priorbank and Belinvestbank established a threshold value on a retirement card in 500 thousand Belarusian rubles.

As promotion, loyal clients - pensioners can discover the contributions to Belarusian rubles for very favorable conditions. For example, Belagrombank offers pension plastic owner to open a deposit account in Belarusian rubles with a bid of 29% per annum. Available for owners of retirement cards and overdraft. That is, the pensioner can take on time for money from the bank and exceed the limit of funds on the card account. For example, Belinvestbank can be intercepted up to 10 million Belarusian rubles.

An overview of the proposals of retirement cards of large Belarusian banks as of July 22, 2015. Cards are available in Belarusian rubles. The main condition is the achievement of retirement age and regular accrual of pension.

Photo: Promdevelop.ru.

You can get a retirement card in BPS Sberbank, Belarusbank, Belinvestbank, Belagroprombank, the idea of \u200b\u200ba bank and priorbank.

For example, in the BPS Sberbank, the card to the account "Pension" is produced free for a period of up to 3 years, and interest income on this map is 3% per annum. At the request of the client, a certificate of one will be certified and one power of attorney in a row.

Pension card holders have the opportunity not only to make cash in ATMs and bank accounts, pay for goods and services, but also to use the full list of services for BPS Sberbank payment cards, including paying for an apartment, mobile phone, to receive interest on the card on deposits, etc.

You can arrange a retirement card in all divisions of the bank. With you, it is necessary to have a document certifying the person (passport), as well as a pension certificate or a certificate, in the event of a social pension.

Approximately the same conditions in the design of pension cards operate in other banks. Therefore, we will focus more on those discounts and bonuses that other bank institutions offer our customers.

So, a little less interest income - in 2% - offers on its "retirement card" Belinvestbank. The map is issued for a period of 5 years, and it is possible to arrange it both in any branch of the bank and using the Internet Banking and Mobile Banking systems without charges during the Card's validity period.

It is possible to connect to the SMS service alert to the tariff plan "Came" - for free, it is also permissible to arrange one additional card - without charging.

By the way, the discount and bonus program "Moal Card" also operates on this map: discounts in pharmacies, medical centers, food stores and much more are provided. Also within the framework of the program there are special discounts and suggestions.

Pension maps have their discounts and bonuses within the framework of the package "Care" from Belagroprombank. Map Belkart "Care" is issued for free. In addition, it provides discounts in the Pharmacy Planet of Health Pharmacies, Cashback from cashless payment operations in commerce and service organizations (food stores and pharmacies).

The second card from the same Belagroprombank is the MasterCard Unambossed Map of Moist Card - is provided for a period of three years and will cost 8 rubles for the client. It can take part in the Moral Card program, in which discounts can reach up to 50% of the cost of goods or services, as well as obtain Cashback from cashless payment operations in commerce and service organizations (food stores and pharmacies).

In addition, new customers-pensioners owners of the package "Care" as part of the advertising campaign "With care about you" Belagroprombank can receive a gift from the bank to choose a client 30.00 Belarusian rubles or a one-time quarterly subscription to the periodic edition.

In Belarus, you can also get several cards at once. The first of them "for pensioners" is issued for free for a period of 5 years, and interest income on this map is 0.5% per annum.

Also on the map are provided for as discounts within the discount program "Wow! Discounts! "And the possibility of obtaining remuneration (cachek) is 3% of the purchase of tickets for trains of the Belarusian Railway as part of the Express loyalty program.

The second card from Belarusbank Belkart Premium-Maestro is issued to the members of the "Velvet" club for 3 years. The cost of the release of the card is 12 rubles when decorated in the bank's office, 11 rubles - when making Internet banking, M-banking, the site of the bank, etc.

On this map, you can get the same bonuses and discounts, as in the first card "for pensioners". Also on this map provides for the possibility of returning funds (CAHBEK) to the account from each purchase (payment) under the program "Your Bonus" and other discounts.

The idea of \u200b\u200bthe bank on the map "On Health" offers for pensioners a large range of discounts and bonuses. For example, 5% of the amount of all purchases in any pharmacy of Belarus, and as a gift - medical expenses insurance contract for a period of 1 year in the amount of 200 rubles, including up to 35 rubles for medicines.

This card from the idea of \u200b\u200bBank Belkart-Maestro is issued for a period of 3 years, and its cost is 7 rubles 90 kopecks. The bank offers free map maintenance when enrolling 100 rubles (or more) per month per card. Otherwise (with a sum of less than 100 rubles), the card maintenance will cost 2 rubles a month.

The replenishment of the card through the "Calculation" system occurs with the commission of 0.5%, and in the departments of the Bank's idea - for free.

If we talk about priorbank, then the design of the usual retirement card Belkart standard for a period of 3 years is free of charge. Additional income in the account reaches 3% per annum. In addition to obtaining income, you can also save on everyday purchases, because When calculating the retirement cards, the bank returns funds (Cashback) to 2% of the cost of goods or service. Those. Cashback is a kind of discount from the bank, and it is summed up with discounts from shops, pharmacies, etc.

In addition, within the framework of the pension program, a discount card is provided for the pharmacy network "Thoughtful Pharmacy", which gives the right to receive 5% discount on domestic products, medical equipment, medical products, dietary supplies and cosmetics.

Pension Cards from Priorbank Higher Segment - Visa Electron; Visa Classic and some others - is issued immediately for 4 years. The cost of the card is 5 rubles.

All offers and discounts - in the table.

Many pensioners prefer to cooperate with Sberbank to receive a pension, as with the most reliable state bank of the country. Consider which Sberbank card for pensioners has advantages and minuses, how much is the maintenance of the card, the advantages of the program are active age, as well as which cards can be issued a pensioner other than social.

Pension cards Sberbank

Pensioners in Sberbank could issue any card to choose from: peace, maestro or mastercard. According to the relevant law, today only social cards are issued for the transfer of pension. The release of maestro and mastercard cards for pensioners stopped .

Maestro / Mastercard.

For those who have left on their hands, there is a replacement of the Sberbank pension card on the map of the world at the time of referring to the reissue due to the expiration of the validity period or in case of early (with a loss, data change, etc.).

PEACE

The world map is endowed with all the advantages of the above products so that the change of plastic does not entail inconvenience for the client, but is characterized by some minuses.

pros

Accrued interest on the residue to pensioners on the Sberbank card acts the main advantage of the product. At the same time maintain some balance on the rest of the need.

The accrual of interest is provided for social benefits listed by the Pension Fund, the Ministry of Internal Affairs, the Prosecutor's Office and other Pension Authorities.

The accrual of interest on the residue is carried out in the amount of 3.5% in periodicity once a quarter.

To other advantages, the cards for pensioners in Sberbank include:

• Free use;
• The alert service is connected for free for the first 2 months. At their end, there is a preferential rate - 30 rubles per month (for customers of other categories, the service costs 60 rubles);
• Pension comes to the rest on the day of its accrual from PF, without delay;
• Map is available to pay in retail points and the Internet, as well as housing and communal services and other services with Sberbank services remotely, free or with a smaller commission;
• Accumulation of points for purchases from the card as part of the program, thanks to which you can pay or get a discount in stores and online fields of partners;
• Social card owner The world is available service Active age.

Additional advantages for pensioners in Sberbank are special rates when opening deposits. In particular, they offer the highest interests provided for for a certain type of deposit, regardless of the size of the placed funds or a supported minimum residue.

Minuses

Considering the minuses of the map of the Sberbank world for pensioners, it is worth highlighting the lack of opportunity to pay outside the country. It is also not envisaged to take money abroad, even in subsidiaries of Sberbank himself.

The reviews of the minus call the paid service of the mobile bank, the cost of which does not suit pensioners, even despite the preferential rate. But do not forget about the presence, which everyone is granted without charging the monthly.

The minuses also include:

• it is impossible to place an additional card to the account;
• paid reissue due to loss of plastic (30 rubles);
• paid testing of the balance in ATMs of other institutions (15 rubles at a time).

Conditions and Cost Service Social Map World

The release and issuance of the card is without payment. Service cost is 0 rubles.

The term of the map of the world is 5 years. At the end of this period, a planned reissue occurs for which payment is not charged.

In addition to those already mentioned, maintenance conditions are inherent:

• cash issuance limit: 50 rubles per day, 0.5 million - per month;
• commission for cash issuance: 0% When using the Sberbank ATM, 1% - in third-party devices;
• removal of money over limit - only in the department, with a surcharge of 0.5% per sum of exceeding;
• replenishment of the Cash Card Account via Cassum or ATM: without commission.

How to get a retirement card with interest accrual to the residue

Instructions, as a pensioner to transfer a pension to the Sberbank card, simplified to make the procedure more comfortable.

Today, we ask for the release of a pension map The world can face certain requirements:

• citizen of the Russian Federation, a foreigner, a stateless person who has the right to retire law;
• availability of permanent or temporary registration.

In the Sberbank branch

First, it is required to apply in the department according to the place of registration to get a Sberbank card.

It is necessary to present an identity and pension identity (or a document confirming the status of a pensioner). The production of plastic is about 7-10 days. About the readiness of the client's product will be ignited separately.

Order online

The second way to get a card is an extra plus of Sberbank, as it allows you to order it online. It is enough to go on the website to the Social Card section for pensioners, where you can also read the Terms of Use, and go down the page.

Here is an online application form in which you need to specify:

• personal data;
• surname Latin letters (for printing on the map);
• contacts;
• passport information;
• address, place of registration.

Sexing shape, you should wait for an SMS or call an employee about accepting an application. The applicant will be invited to the office when Sberbank's social card for a pensioner will be ready.

As a pensioner to transfer a pension to the world map

If you already have a map, for example, the maestro, which is listed by pension payments, and you want to use it - please continue.

You will receive a free new card for which the pension has already been made:

• When you lose / damage your reissue. There are already national, but with the same connected services, the residue and the same account. Those. nothing will change for you.
• When the card validity period is over (it is usually as follows 07/18 - it means the card is valid until July 2018) - Automatically Sberbank will release a new sample map.

If you want to speed up the process and ordered the card yourself, then it requires to transfer a pension to its account, for which it is necessary to write a statement and serve it in a convenient way:

• Department of Sberbank;

How to give up the world map

What can you refuse:

• From Sberbank. If for some reason you are not satisfied with the bank itself, then you have the right to start a retirement card in any other that emits the map world. On the official website of the payment system, 147 banks producing a map (Article 136 of the Labor Code of the Russian Federation) are indicated.
• From the card. You do not want to receive a pension or other payments to the world map, or you have always received money - in cash or on account. In this case, the world's card is not forced to use you, you can choose the usual way for yourself.

Comparing the pros and cons of the world map, some wish to abandon her in favor of international format maps endowed with great opportunities.

Today there are no options for receiving a pension to the card and refuse the system of the world. Conducted by this requirement of the law governing the transfer of budget payments to the national system maps.

The civil servants in the first half of 2018 are forced to be transferred to this product, and for pensioners a clear framework is not established. For them, the replacement is planned to be planned until 2020: at the time of the first design or when there is a reissued of the available card (scheduled or on your own).

It is impossible to refuse to replace the card to national payment, but no one bothers to get any debit or credit card convenient for you convenient for you, which you can pay and abroad. You can independently carry out the translation of any amount from the social card. For enumerations between their cards, the Commission is not charged (if both Sberbank cards).

How to use a retirement card of Sberbank

The card for pensioners is no different from standard debit and allows you to perform all standard procedures:

• replenish;
• translate funds to individuals and companies;
• pay for goods and services personally or online;
• remove cash.

Top up the map

To replenish the map of the world of Sberbank for pensioners, you can choose any convenient option:

• Make money at the Cancer Cancer. It is required to call the card number or account, confirming your passport authority.
• Top up through the terminal or ATM.
• Translate from another Sberbank card through Sberbank Online, Mobile Bank or ATM.
• Translate from a third-party issuer card through its Internet bank.

If you abandon third-party resources and use Sberbank's services and tools, the rest is replenished without surcharge.

Send translation

To send a transfer to a retirement card, you can use the above methods:

• . Go to payments and translations - on your card. Specify a card for write-off and enrollment, as well as the amount of the operation.
• Mobile bank. Create a message: Translation, 4 extreme digits of the recording card numbers, 4 characters of the card for application, amount. Send 900.
• ATM. Insert the card with which you need to send money. Enter transfers, record the map number for receiving and magnitude.

The Commission is not charged. Enrollment occurs instantly or within a few minutes, less often - up to day.

If the transfer to the Pension Card Sberbank needs to be sent from the map of another institution, it is possible to use its Internet bank and other tools offered by the institution. The transfer fee is about 1% - but specify specific values \u200b\u200bfor your situation.

Service Age

All social card holders for pensioners can use tools and services Active age.

Sberbank Card Active Age Provides privileges when making contributions, savings accounts, mortgages and some other Sberbank products, which we have already mentioned early.

Courses

On the Sberbank website https://sberbankaktivno.ru you can also go through courses that will help find yourself, get rid of unrest and anxiety caused by a change in lifestyle, customize relationships with loved ones and enjoy your vacation.

Courses are available online in the form of articles, video and exercise. Only MasterCard card holders will be able to go through the full course, for which it will be necessary to enter its number in the corresponding window.

You can also try a trial course without a card. In this case, access to information is not limited within 10 days.

Health

In the Health section, Sberbank Pension Card Owners are offered to sign up for a specialist based on its ranking and reviews.

The search can be carried out on the settlement, the doctor's category, reception costs and other important aspects. To sign up, it is enough to specify your name and telephone in the form. Having received a call, it will only have to specify a convenient time to visit a specialist.

Also, they offer a service that will help to identify the necessary specialist, based on the symptoms specified by the user. Only MasterCard card holders can use the tool.

Other debit and credit cards for pensioners

In addition to the card for receiving a pension, the pensioner has the right to arrange anyone available in the assortment card of Sberbank or several, if necessary.

The proposed Sberbank cards for pensioners differ in status, type and additional features:

• Credit, debit.
• MasterCard, Visa, Peace.
• Classic, gold, premium.
• For the payments perfect on the map. Miles can be used to buy tickets, raise service status at airports, etc.
• Give life: to participate in charity.

Also, a pensioner can offer a card with a pre-perfumed credit limit, which is calculated individually, based on the values \u200b\u200bof its income.

Conclusion

The Sberbank card for pensioners has its pros and cons, but reliable to accrual a pension. Refuse it or choose another one can, but with great restrictions. In Sberbank, a card for pensioners with percent accrual has free service, and also provides a number of privileges: deposits with maximum percentages, mortgage at a convenient rate, etc. Additional benefits are provided by Sberbank's service Active age. The main minus map of the world consists in limiting the use abroad.

Today, banks offer cards intended for different target audiences. They differ in various bonuses, discounts and set of additional features. For example, for a children's card, you can set a daily cash removal limit, and "plastic" for pensioners allows you to get caches in pharmacies ..

Photos from the site: pixabay.com

For students

Most cards for students are those where the scholarship comes. The usual debit card is only one - Visa Electron ISIC from Priorbank - at the same time a means of payment and an international certificate that confirms the student status.

For kids

The main feature of children's cards is the ability to install cash withdrawal limits. The function is especially relevant in cases where the card is issued as an additional relative. This means that the child will not be able to spend the entire salary of the parents.

For pensioners

Cards for pensioners There are two species - those where the pension is accrued, and ordinary debit. The most common bonus is discount or caches in pharmacies and medical centers.