In recent years, the number of holders of social cards of Sberbank of Russia has increased significantly, as users of pension cards.This was achieved thanks to the systematic work of the financial institution for registration of passbooks citizens and cooperation with PF.Besides comfort for customers, such changes have led directly to an increase in income of the bank.After a decrease in lines at the ticket offices has reduced the expense item for salaries of additional employees, and the cost of printing forms Passbook diminish with each passing day.
Who can get social card?
In accordance with the pension scheme of the Savings Bank, the customer, depending on the category of financial support, can be opened, one of the two possible maps: social or Maestro.First issued to people who receive a retirement pension, survivor or disability.With regard to the conditions for issuing a second, then it could get to citizens 14 years of age with permanent registration in the area of registration and the right to social security.
What you need to open the cards?
natural to expect to receive Social debit card, you must refer to the category of people who receive funding from the state.In other words, the original need to issue pension or other social payments to the pension fund and only then go to the nearest bank branch.It should be noted that in some cities of the Russian Federation Pension Fund employees themselves are applying their charges to the financial institution, and it is automatically executed social card of the Savings Bank.But so lucky not for everyone, so those who are not included in the category of "lucky", you will need to work hard.
after making pension a person must apply to the bank and sign a cooperation agreement.Then, within 10 working days, a financial institution must release the personal card of the client and to give it.But it should only be under the law, but in fact this period is 2 to 4 weeks.On the possibility of the bank's employees are obliged to notify the customer by phone, but some do not bother yourself with this, so seniors should systematically call the bank and inquire about the availability of the card.
Validity period
Map Sberbank "Maestro social" is issued to the customer for 3 years, as evidenced by information on its front side.If the two months before the deadline the customer has not informed the financial institution to refuse to cooperate, the contract is extended.Therefore, the bank will automatically reissue a new card, and the old will be required to pass.For a comfortable use of customer funds themselves must follow the valid and timely contact the financial institution for the exchange.
advantages of an additional card
To say that pensioners - elderly people, whose living conditions require more comfort, you probably should not.This is known to all, and employees of the bank are no exception.That is why those who already have a social card of the Savings Bank, offer to get another extra.Use it can of the family of a pensioner or person of trust to make purchases and pay for services.The solution of an additional card the customer must notify the financial institution as a written confirmation of a relevant application.In this document, the client must specify not only the details, but the details of the future.
Who can become the owner of additional card
Under the terms of the social program of the bank, the owner of an additional card can be assigned even a child of 10 years if he is a close relative of the pensioner or trust.In the presence of a small customer of official representatives (parents) for arranging bank products need their permission.However, after reaching a person 14 years of age do not need such confirmation.
To control means could it the one who is the main social card of the Savings Bank, the program provided certain conditions are met.So, at the request of the pensioner can be set monthly limits for performing any operations.To do this, you need only apply to the bank branch and a relevant application with exact amounts.As a result, the owner of the option card can only use a certain amount of money, regardless of whether it is receipt of cash or payment transactions through the terminal.
Disadvantages of social and supplementary cards Sberbank
Before we consider the so-called flaws that have social Sberbank bank card, it is necessary to disassemble several other aspects.For example, everyone knows that most seniors prefer to use cash and do not trust financial institutions.People in this age more difficult to adjust to the modern type of settlement, not only because of the stereotypes, but also because they are afraid of being cheated, and do not understand the principle of operation of the system.Therefore, no CVV2 / CVC2-code, which is used to identify the card when buying goods on the Internet, many do not even notice.
As for card service, then in Russia it is implemented in all ATMs, cash points and branches of Sberbank of Russia.Go abroad, customers can get cash only in subsidiary banks and ATMs of other financial institutions to permit such operations have not.
Another limitation that has every social map of the Savings Bank, is that it can not be used for crediting other revenues.Mark is the fact that the operation of the pension card account can only be made in the national currency, but it is for the majority of modern pensioners no problem.
additional income for customers
obtain additional funds may be participants in the pension plan of the bank, this should not be to cash surplus funds.And at the end of the quarter to all who have a social card of the Savings Bank, the interest will be credited to the account.In the current, 2014, each client of this program generates revenue of 3.5% per annum on the balance.To some, this rate may seem small, but the bank is not only stimulates the increase in working capital, but also allows pensioners to receive a small profit.
Service Fees
Everyone understands that the transition from the passbook to the card account not only for the comfort of the citizens, but also to increase the profits of the bank.After all, before the people allowed to stand in long lines, but received a pension in full.Today, a person who is a social map of the Savings Bank, pays not only for the extra services, but also hidden commissions.
Maintenance fee for the main card of the bank's pension scheme are not available, but at an additional annual amount will be deducted in the amount of 150 rubles.The commission is not withdrawn as in the deposit, and withdrawal of cash.Although there are some nuances, such conditions of service will remain unchanged if the customer cashes amount to 50 000, in other cases the Commission will be 0.5% on the excess volume.
Another paid service for the social program of the Savings Bank is a reissue of the card or change of personal customer data.Of course, we are not talking about the planned replacement of the product at the end of the period of use, it concerns only the situation prevailing fault of the holder.Lost card or social changes in the cost base of a pensioner of 30 rubles, seemingly small amount.However, given that due to their age, many customers can just forget the card at an ATM or to remember the PIN for a year to save enough decent amount.
Benefits for holders of social cards
In order to attract more customers, each regional branch of the Savings Bank signs agreement of cooperation with various retail outlets, which subsequently give pensioners a discount on goods.As a rule, the social map of the Savings Bank of Russia allows the owner to buy the necessary things on 1-12% cheaper.To view a list of stores and pharmacies can be on the site of a financial institution, and in any regional office of the bank.
deserves special attention and that all members of the social program can activate the automated system of personal account management "Savings line" or "Mobile Savings".Social Card for pensioners, who can use the Internet, it becomes an indispensable tool in life.After all, only avtoplatezhi for utilities will avoid tedious queues at the cashier and the expenditure of energy.
