Of all social groups in Russia most of all pensioners.Each month, the government lists them an allowance.Options for getting more funds.You can contact with the passbook to the bank branch and stand in queue waiting for payment.Certain categories of citizens postman brings the money home.But both of these options are not very comfortable, as you have to spend a lot of time.It is better to use a bank card.Contents can be in any financial institution.Read more about how to transfer a pension on the card of Sberbank, read on.
Benefits
Sberbank - the largest and most stable credit institution in Russia, which provides its customers with a great opportunity, in comparison with other similar institutions.For pensioners are important nuances:
- Savings Bank - a state organization.In the case of economic shocks minimum probability of liquidation.
- Sberbank leads in the number of branches in Russia and among the ten largest networks in the world.That is to withdraw funds from the card can be no commission in almost every village of the country.
- credit institution provides its customers with service remote service account.However, not all pensioners are ready to master modern Internet technology.But get SMS notifications on card operations they were not working.
- specially for this category of citizens has been developed "social card" of the Savings Bank.The pension credited her with no commissions.
Payment Instrument
«Social" - a category debit card Maestro.Special benefits of its use abroad is not provided.But the credit institution within the network can be:
1. Automatically and regularly receive a pension on the card of the Savings Bank.
2. Free use of a payment instrument.
3. Quickly and at any time to take the money and credit on the card at ATMs.
4. earn extra income by 3.5% per annum on the balance in the account.
5. To participate in the bonus program "thank you" - to purchase discounted products in pharmacies and retail partners.
registration procedure to receive a pension on the card of the Savings Bank, it is necessary:
- appeal to the department with a certificate and a passport.
- Make a request for card issue.
- get a printout with the details of the account.
- Cards are available in two weeks.To get a payment instrument, have to re-apply to the bank branch.In addition to plastic, the employee must give the envelope with the PIN code to withdraw funds in the terminals.
How to transfer a pension on the card of the Savings Bank?
be transmitted to the territorial department of the PF statement in duplicate.It identifies the card details, name of the recipient, the name of the bank.For a copy of the document is applied passbook pensioner and help to open an account.One copy remains in the PF.The second should be a mark with the number and date of the message.Here it is necessary to specify all the documents that have been transferred to the pension fund.If the application for transfer of a pension on the card of the Savings Bank served a few days before the next payment, most likely money will be transferred in the next month.
After registration statement changing the terms of payments.If the benefit of pensioners receive 12-13 of the month, the transfer of a pension on the card of the Savings Bank may be delayed for 5 days.PF should allocate funds in accounts at regular intervals.
Nuances service
Commission for opening an account is 10 rubles.
Bank provides its clients with SMS-information about money transfer.For cardholders of "social" fee for the first three months will be charged.During subsequent maintenance will have to pay 30 rubles. / Month.
Cardholders have access to the terminal, through which you can transfer the pension at stake Sberbank relative, pay utility bills, top up your phone, send other payments.
reverse procedure
If for any reason the pensioner does not want to receive the money on the card of the Savings Bank, you can make a diversion.There are two scenarios.
first: the contribution "Pension Plus" is not yet closed and the passbook in his arms.In this case, you must visit the PF and write rejection of the transfer of benefits to the bank account.After receiving the payment on the passbook necessary to close the account with a credit institution.As a result of this operation a pension transfer to the card of the Savings Bank will not be implemented.
Second passbook put into the archive.In this case, it depends on the circumstances.You can renew the service to any other credit institution with which cooperates PF.If this option does not work, you will have to write an application for benefits at the local post office.In any case, better to address the issue through the PF.Bank employees engaged in registration will not be forwarding.
Contributions
There is another reason, because of which is interested in the question of how to transfer a pension on the card of the Savings Bank.A credit institution offers this population to place the accumulated funds on deposit with favorable conditions:
- high interest rate;
- insurance savings;
- the possibility to transfer monthly interest accrued on the account;
- deposits can be replenished and roll.
In 2015, the Savings Bank canceled the target deposit for seniors.But in the existing negotiated special conditions: the customer receives the maximum rate of the selected program.Money can be put into the account in rubles, dollars or euros at the box office or through a branch "Sberbank Online."
| contribution | Minimum amount | Deposit | Removing | Interest Accrual |
| «Keep» | 1 ths. Rub. / 100 US dollars / 100 euros | notprovided | Month | |
| «Recharge» | Cash: 1 ths. rub. / US $ 100 / € 100.Bank transfer - not limited. | Not provided | ||
| «Pension Plus» | 1 ruble | Unlimited | to the level of the minimum balance | Quarterly |
The interest rate in rubles including rollover and capital contribution varies in suchWithin:
- «Keep": 9,7-10,29%;
- «Recharge": 10,05-9,58%;
- «Pension Plus": 3,5-3,55%.
low interest.If you wish, you can make a deposit in any other bank or put the funds in savings certificates.Only in the first case will have to find a reliable bank, and the second to remember that, even under the investment of 13.25% per annum are not insured.
If these same deposits issued through internet banking, the interest accrual conditions do not change, and increase the rates themselves:
- «Keep SHC @ dh": 10,5-11,34%;
- «Recharge SHC @ dh": 11-10,61% (for three years).
addition, a pensioner, making out any contribution in Sberbank, enjoys a kind of bonus:
- receives a passbook;
- can arrange transfer service accrued interest on the card and use it free of charge during the first year of service;
- does not pay taxes, as interest on deposits below the refinancing rate;
- may extend the contribution agreement is not renewed.
Conclusion
Once a month the state transfers to the account of the pensioner allowance.To get it, previously had to stand in line at the post office.Now lenders offer customers arrange payment instrument to obtain benefits.How to transfer a pension on the card of the Savings Bank?You should contact the Department of Financial Institutions with license and passport and place an order.The card will be ready in two weeks.
