Every day around the world are monetary relations and payments are made. To systematize the calculation, were created payment systems- a set of rules, procedures and technical infrastructure for the transfer of funds from one economic entity to another.

Until recently, Russia used payment Visa cards and MasterCard, however, in early 2014, after numerous sanctions, the state decided to create its own.

According to the law of June 27, 2011 No. 161-FZ " ”, all payments from the budget, namely pensions, salaries to state employees and other state payments, should gradually be transferred to the Mir card. Such a translation is carried out before July 1, 2018.

The need to create a National Payment Card System (NSPK)

Many countries have had their own payment system for a long time, for example, China has developed the Union Pay project (“Union Pay” - a unified payment), Japan has a JCB program (“Japanese Credit Bureau”), Belarus has an internal BelKart system, and India - RuPay. Previously, such systems were not created in Russia, which is why the main part of issued cards is MasterCard and Visa.

The need to develop their own payment system arose back in 2011, when the government considered it necessary to create multifunctional electronic card without the involvement of international payment systems. The project was relevant because it corresponded to the following state goals:

• Implementation banking operations regardless of external economic problems.
• Support for Russia's financial sovereignty.
• Formation and development national system payments.

In the course of unfavorable political events, the United States imposed a sanction against Russia by blocking the procedure for non-cash payments of several banking organizations RF, which discussed MasterCard and Visa. After that, in March 2014, the President of Russia approved the development of his own payment system.

Payment system "Mir"

"Peace" has become the national system of the Russian Federation, and its operator is NSPK JSC, which belongs to the Central Bank of Russia. The emblem and name of the program were selected on a competitive basis and approved in the spring of 2015, and at the end of the year the first cards in the corporate style were issued - a combination of green and blue colors.

In accordance with article 22 of the law of June 27, 2011 No. 161-FZ " About the national payment system ”, the Mir program is recognized as significant, and on the basis of Article 30, mandatory release national maps to which will be translated:

1. salaries to public sector employees;
2. pension payments;
3. social benefits and other government payments.

Within the framework of the legislation, a quick but smooth transition to the Mir map is planned:

• for new clients of banking organizations - from July 1, 2017;
• for existing public sector employees - until July 1, 2018;
• for pensioners - as the validity period of the existing cards expires.

From 2015 to now financial relations within our country are conducted through National system of payment cards(NSPK), regardless of the type of plastic card. NSPK is a clearing center that processes card transactions within Russian Federation and operator of the Mir payment system.

Difference from other payment systems

The national program "Peace" does not lag behind international standards and meets all the necessary requirements. Furthermore, Russian system payments has a number of positive differences:

• low cost of card maintenance;
• customer loyalty bonus program based on cooperation with leading brands and stores;
• independence and freedom from foreign payment systems;
• opportunity to participate in social projects for the issuance of transport, social or student cards, as well as for the introduction of food certificates.

In addition, the national system is autonomous, that is, financial relations do not depend on foreign economic or political circumstances, and now international systems payments do not affect access to money and making payments to the client.

This project allows additional secure monetary transactions inside the country, whose data will not go beyond the border of the Russian Federation.

How to get a Mir card for a pensioner?

To receive a Mir pension card, you need to apply with application for its extradition in the nearest member bank national system, a complete list of which is presented on the official website. The card design will free. The full transition of all pensioners to Mir cards is planned to be carried out by 2020 because the following requirements must be met:

• providing pensioners with comfortable transfer conditions;
• eliminating the possibility of large queues;
• minimization of expenses of banking organizations due to an increase in the flow of citizens;
• development of the formed infrastructure to improve the performance of the national system.

Thanks to the fulfillment of these conditions, the transition to new cards will be as convenient and invisible for existing pensioners as possible. However, for citizens applying for a pension payment for the first time, cards are already being issued from July 1, 2017.

The procedure for pension transfers to the Mir card from the PFR Will not change. If a pensioner previously received a pension on a bank card, then when replacing it with a Mir card, it will be necessary to provide new card details to the territorial branch of the Pension Fund.

Card service cost and interest accrual

When opening and annual maintenance of the Mir pension card for pensioners no fee. Interest is accrued on the balance of the amount of money annually, in accordance with the established tariffs of the bank in which the pension card is issued, for example:

• Crimean Bank RNCB provides 4.5%;
• "Opening" - 4%;
• Sberbank - 3.5%.

The interest rate applied to the balance of funds on other types of card is usually much less than on a pension card.

Another advantage of the new card will be a system of discounts or loyalty program for client. Bonus return from the purchase or "cashback" will be carried out to the "Mir" card, regardless of the servicing bank. To do this, you need to register on the portal, where shares of different companies are placed, and link your card. The client will be able to independently choose a suitable promotion, after participation in which bonus points will be credited to his card in the form of a monetary amount.

Is it necessary to change the pension card?

Switching to the World maps Mandatory for pensioners and civil servants. If a public sector employee does not issue a national system card, he can receive a salary in cash, but the transfer of earnings to other cards will not be made.

If there is a desire to issue a Mir card without permission, it is enough to contact the bank with a corresponding application for registration of a pension or salary card national payment system.

Is it necessary to transfer when receiving a pension at home or at the post office?

The transition to the world map is mandatory only for those pensioners who have chosen the method of receiving pension funds to a bank card. A large number of citizens of retirement age receive a pension at the local branch of the Russian Post or bring it to their homes, this is especially true for citizens with disabilities.

Retirees receiving payments through Postal office or at home not required switch to the World map.

In this case, nothing will change for pension recipients, they will receive their payments as before.

Obtaining a pension card Mir in Sberbank: pros and cons

Sberbank began issuing cards of the Mir national system only in the second half of 2016. Until the second half of 2017, only debit cards, and credit became available after.

Tariffs and conditions of the Mir payment card in Sberbank apply to:

• Classic debit cards (like the old MasterCard and Visa);
• Pension cards (intended for recipients of pensions and other social benefits).

The peculiarity of the cards is that the account on it is kept only in rubles, since they are intended for use within the Russian Federation.

The conditions for servicing a pension card are preferential compared to other tariffs. To obtain such a card, there are several requirements of the bank:

1. The recipient's age must be at least 18 years old;
2. Have citizenship of the Russian Federation(or another state, as well as stateless persons - to be entitled to a pension payment in Russia);
3. Availability of permanent/temporary registration on Russian territory;

Registration of the card and its further maintenance is provided to pensioners is free, however, when issuing a duplicate or additional card, a fee of 150 rubles is charged. At the same time, the commission for withdrawing funds from ATMs and cash desks of Sberbank is not taken, while at other ATMs, a pension card is cash will not issue.

Sberbank credits a pensioner's card with interest on residual funds in the amount of 3.5% per annum. Mobile bank will cost 30 rubles monthly, although there will be no charge for the first 2 months of use, however, you can connect a free economy option without notification of expenses.

To apply for a Mir pension card at Sberbank, it is enough to contact its nearest branch with a passport and a certificate from the PFR confirming the right to receive a pension.

Among advantages of using Mir cards from Sberbank can be distinguished:

• Huge network of card acceptance throughout Russia;
• Independence from foreign economics and politics;
• High-tech security through the built-in chip in the card;
• Discounted service for pensioners.

However, there is several negative moments such as:

• Restriction on the use of cards abroad;
• Lack of contactless form of payment;
• Lesser interest rate accrued on the account balance (compared to some other banks).

Perhaps the disadvantages of servicing are more applicable to the Mir system itself, and not specifically to the bank, at the same time, negative factors are not so relevant for people of retirement age.

The new MIR payment system was introduced in Russia in 2015, and at the moment, more than 4 million plastic cards of this type have already been issued in the country. Until 2020, it is planned to transfer all social payments, including pensions of citizens, completely to payment type WORLD. What kind of card is this banking structures it is released, how to issue this plastic, its cost, and also what pros and cons it has - read about all this below.

National payment card MIR: description

MIR is a new national payment system developed by the Central Bank of Russia in 2014. This is an exclusively Russian product, the state of which is not affected by international factors. The card is intended specifically for accruing all payments to state employees on it.

This year, the following types of MIR cards from Sberbank are presented:

• Debit - issued for 3 years free of charge;
• Pension - free, valid for 36 months.

What banks issue?

Currently, MIR plastic products are produced by more than 59 Russian banks. You can cash out the card at any Russian ATM, as everyone already accepts them and is equipped with a special MIR logo.

Today, you can apply for a domestic social card in most financial institutions of the country, as:

• Sberbank of Russia;
• Bank "Avangard";
• "Opening";
• UralSib;
• Renaissance;
• Gazprombank;
• VTB 24;
• West Siberian commercial;
• Kuban Credit;
• Moscow Industrial;
• Raiffeisenbank;
• Rosbank;
• Communication-bank;
• Rosselkhozbank;
• SIAB;
• UralTransBank and in other structures.

True, most banks still issue a MIR card of only a debit type. But Sberbank promises to start issuing credit cards in the near future.

Social card MIR of Sberbank for pensioners: terms of issue

Today, Sberbank of Russia issues debit cards MIR classic, gold, instant and pension.

A plastic card The world of Sberbank for pensioners provided under the following conditions:

• release and maintenance - free of charge;
• service life - 5 years;
• reissue due to expiration - free of charge, and in case of loss, theft or damage - 30 rubles;
• interest on the balance of funds - 3.5%, accrued once a quarter (every 3 months).

Additional benefits of Sberbank's MIR pension cards are the ability to connect a bonus program. So, when paying by card, the bank charges 0.5% of the check amount, regardless of where the payment was made. When paying with a card from the partners of the Thank You Sberbank project, you can receive up to 20% of the check amount to your bonus account.

Also, MIR cardholders can connect such an option as Mobile Banking and receive SMS notifications about all transactions made from the card and receipts to the balance.

Setting up the Auto Payment service for MIR Sberbank pension card holders is free of charge, as is registration in personal account Sberbank Online. Plastic is also equipped with an electronic chip and has 3D-secure protection, so transfers from and to it through various Internet platforms like Tinkoff are possible without restrictions.

The cost of servicing MIR cards from Sberbank

The MIR card from Sberbank for pensioners is issued and serviced free of charge during the entire period of validity.

As for the classical debit card of a similar payment type, the holder will have to pay 750 rubles for the first 12 months of use. In subsequent years, the cost of operation will be 450 rubles per year.

If this golden card WORLD, cost annual service will be 3000 for each year (valid for 5 years) and 2500 if it is an additional card.

By the way, arrange additional card WORLD to the main pension in Sberbank is not possible.

Cash withdrawal limits

You can withdraw money from the MIR pension card through ATMs of Sberbank or other banks and bank cash desks. The daily limit for cash withdrawal through an ATM is 150,000 rubles, while no commission is charged, but it is impossible to exceed this amount. The device will give an error, and the card may be blocked by the bank for security purposes.

To withdraw from the MIR pension card an amount exceeding 150,000 rubles within 24 hours, you must contact the bank branch. Show the employee your passport and plastic. be prepared to pay a commission of 0.5% for the amount over 150 thousand rubles.

You can withdraw up to 1.5 million rubles in cash per month without commission.

How to apply?

To apply for a MIR pension card, you must personally appear at any branch of the bank. You need to bring a standard set of documents with you:

• civil passport of the Russian sample;
• personal pension certificate;
• acts from the Pension Fund on the amount of payments.

The application form is filled in the bank itself in the presence of a representative financial institution. You can also apply for a MIR pension card remotely by filling out a form on the official website of the bank:

Only one MIR pension card is allowed. You can pick up a finished plastic product at a branch of Sberbank, you must have not only a Russian passport, but also SNILS with you in order to apply for a pension for this plastic product (an application is written on the bank's letterhead).

How to refuse?

If there is a need to obtain pension payments to the card of another bank (remember that, according to the amendments to the draft law 161-FZ "On the National Payment System", a transfer is provided all payments to state employees on MIR cards), it is necessary to write an application at the branch of Sberbank about refusing to further accrue pensions on the specified plastic. At the bank where you plan to order new map MIR, an application is being written for receiving payments to a new account.

Pros and cons of the MIR card for pensioners

The Mir card from Sberbank for pensioners has both its pros and cons. The advantages of social plastic include:

• no fee for issuance and reissue;
• free service during the entire period of operation (5 years);
• non-susceptibility to external international economic influences (sanctions, blocking, etc.);
• possibility of use in all regions of the country, including the Crimea. (On how to withdraw money from a Sberbank card in Crimea)

Cons of the MIR card:

• it is possible to issue only in one currency - Russian rubles;
• the inability to use the MIR card from Sberbank abroad. The exception is some post-Soviet countries that have already equipped ATMs with the ability to accept a card of the national payment system of the Russian Federation;
• not all ATMs and terminals support the new system, so before withdrawing cash, you need to make sure that the selected ATM accepts this type of plastic.

However, according to representatives of the Central Bank, the MIR payment system is still in the process of being finalized and over time, the shortcomings of the system will be eliminated.

Quick application form

Fill out the application now and get money in 30 minutes

The true goals are revealed, for which a new payment system is being introduced. The cost of servicing the Mir card today is 750 rubles a year. Most likely, pensioners will have to pay this amount out of their own pocket. And the money that was added to payments as part of the long-promised indexation will not go to those who do not work by age, but to the pockets of bankers.

Bill of the Bank of Russia

Today, such plans are no longer empty words. The Bank of Russia has prepared in its bowels a draft law, according to which pensioners will be required to receive payments exclusively on the Mir card. For reference: this system is serviced by a subsidiary of the Central Bank of the Russian Federation, the NSPK company.

At the same time, free social cards, to which pensions are now paid, will finally become a thing of the past by 2020. And if social cards were issued for free, then for "", obviously, you will have to lay out your money.

The cost of servicing the Mir card

The cost of servicing the Mir card in Sberbank on the official website credit institution right today is estimated at 750 rubles a year. It is unlikely that this amount will decrease in the next two years, remaining before the final transition to the new system.

Statistics show that there are more than 40 million pensioners in Russia. If we multiply the cost of maintaining the Mir card by the number of potential recipients, then it turns out that as a result, the country's financial sector plans to rob the least protected segments of the population for a total amount of 30 billion rubles or more.

Failed national system project

Recall that the idea to issue your own national bank card arose just when people from Vladimir Putin's inner circle fell under Western sanctions. Then several Russian banks lost the opportunity to work with international payment systems at once, the names of which can be seen in the list.

However, the Russians, despite the calls of the overdue president, and even his statement about the transfer of his salary to the Bank of Russia, did not inflame with patriotism. Its own ruble turned out to be closer to the body than the adventurous geopolitical ambitions of the authorities, proposed in exchange for democracy, the fight against corruption and economic reforms. As a result, financial offices are breathing their last breath due to sanctions and the mass withdrawal of funds that followed them.

But money, and a lot of it, has already been invested in the national payment system. And the authorities have no choice but to resort to the only possible way recoup them bypassing free competition: using administrative resources to distribute their dubious banking product forcibly.

Not surprisingly, the cost of maintenance bank card"Peace" will be entrusted to the pensioners themselves. Most likely, the Kremlin is once again counting on financial illiteracy. If money were transferred directly the right banks, that might raise questions. And so - pensioners will add three kopecks to their pensions, then the bank will take them. And everyone will be happy.

Many pensioners prefer to interact with Sberbank to receive a pension, as with the most reliable state-owned bank in the country. Consider what the pros and cons of a Sberbank card for pensioners are, how much the card service costs, the benefits of the Active Age program, and also what cards a pensioner can issue, except for a social one.

Sberbank pension cards

Pensioners in Sberbank could issue any card of their choice: MIR, Maestro or MasterCard. According to the relevant law, today only MIR social cards are issued for the transfer of pensions. The issuance of Maestro and MasterCard cards for pensioners has been discontinued .

Maestro/Mastercard

For persons who still have them in their hands, the Sberbank pension card is replaced with a MIR card at the time of applying for reissue due to expiration or early (in case of loss, change of data, etc.).

WORLD

The MIR card is endowed with all the advantages of the above products so that the change of plastic does not cause inconvenience to the client, but it is also characterized by some disadvantages.

pros

Interest accrued on the balance of pensioners on a Sberbank card is the main advantage of the product. At the same time, there is no need to maintain any balance on the balance.

The accrual of interest is provided for social payments transferred pension fund, the Ministry of Internal Affairs, the Prosecutor's Office and other pension authorities.

Interest on the balance is calculated at a rate of 3.5% quarterly.

Other advantages of a card for pensioners in Sberbank include:

• Free use;
• The notification service is connected free of charge for the first 2 months. At the end of them, there is a preferential tariff - 30 rubles per month (for clients of other categories, the service costs 60 rubles);
• The pension is credited to the balance on the day of its accrual from the Pension Fund, without delay;
• It is possible to pay with a card at retail outlets and the Internet, as well as for housing and communal services and other services using Sberbank services remotely, free of charge or with a lower commission;
• Accumulation of points for purchases from the card within the Thank You program, which can be used to pay or receive a discount in stores and online platforms of partners;
• The owner of the MIR social card has access to the Active age service.

Additional advantages for pensioners in Sberbank are special tariffs for opening deposits. In particular, they are offered highest interest provided for a certain type of deposit, regardless of the amount of funds placed or the minimum balance maintained.

Minuses

Considering the disadvantages of the MIR card of Sberbank for pensioners, it is worth highlighting the inability to pay outside the country. It is also not provided to withdraw money abroad, even in subsidiaries of Sberbank itself.

In the reviews, a minus is called a paid service. mobile banking, the cost of which does not suit pensioners, even despite the reduced rate. But do not forget about the availability, which is provided to everyone without charging a monthly fee.

The disadvantages also include:

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

Conditions and cost of servicing the MIR social card

Issue and issuance of the card occurs without payment. The service cost is 0 rubles.

The MIR card is valid for 5 years. At the end of this period, a scheduled reissue occurs, for which payment is not charged.

In addition to those already mentioned, the card has the following terms of service:

• cash withdrawal limit: 50 rubles per day, 0.5 million - per month;
• commission for cash withdrawal: 0% when using a Sberbank ATM, 1% - in third-party machines;
• withdrawal of money in excess of the limit - only at the branch, with a surcharge of 0.5% on the excess amount;
• replenishment of the card account in cash through the cash desk or ATM: no commission.

How to get a card for a pensioner with interest on the balance

The instruction on how to transfer a pension to a Sberbank card for a pensioner has been simplified to make the procedure more comfortable.

Today, persons who meet certain requirements can apply for the issuance of a MIR pension card:

• a citizen of the Russian Federation, a foreigner, a stateless person who is legally entitled to a pension;
• registration of a permanent or temporary nature.

At the branch of Sberbank

First, you need to submit an application at the branch according to the place of registration in order to receive a Sberbank card.

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

Order online

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

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

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

After sending the form, you should wait for an SMS or a call from an employee to accept the application. The applicant will be invited to the office when the social card of Sberbank for a pensioner is ready.

How to transfer a pension to a MIR card for a pensioner

If you already have a card, such as a Maestro, which is receiving pension payments, and you want to use it for the time being, please continue.

You will receive a new card for free, to which the pension has already been transferred:

• When you lose/damage yours and need a reissue. They will release a national one, but with the same connected services, the balance and the same account. Those. nothing will change for you.
• When the card expires (it is usually designated as 07/18 - which means the card is valid until July 2018) - Sberbank will automatically issue a new card.

If you wanted to speed up the process and ordered the card yourself, you need to transfer the payment of pension to its account, for which you need to write an application and submit it in a convenient way:

• Branch of Sberbank;

How to cancel the MIR card

What you can opt out of:

• From Sberbank. If for some reason you are not satisfied with the bank itself, then you have the right to get a pension card in any other that issues MIR cards. The official website of the payment system lists 147 banks issuing the card (Article 136 of the Labor Code of the Russian Federation).
• From the map. You do not want to receive a pension or other payments to the MIR card, or you have always received money - in cash or in an account. In this case, you are not forced to use the World map, you can choose the method that is familiar to you.

Having compared the pros and cons of the MIR card, some wish to abandon it in favor of cards of the international format, endowed with great opportunities.

Today, there are no options for receiving a pension on a card and abandoning the MIR system. This is due to the requirement of the law, which regulates the transfer of budget payments to the cards of the national system.

Civil servants in the first half of 2018 are forcibly transferred to this product, and for pensioners there is no clear framework. For them, the replacement is planned until 2020: at the time of the first registration or when the existing card is reissued (planned or voluntarily).

It is impossible to refuse to replace the card with a national payment one, but no one bothers to get any debit or credit card of a bank convenient for you, which can also be used abroad. You can independently transfer any amount from a social card to it. No commission is charged for transfers between your cards (if both cards are from Sberbank).

How to use a Sberbank pension card

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

• replenish;
• transfer funds to individuals and companies;
• pay for goods and services in person or online;
• withdraw cash.

Top up card

To replenish the MIR card of Sberbank for pensioners, you can choose any convenient option:

• Deposit money at the cash desk of Sberbank. It is required to name the card or account number, confirming your authority with a passport.
• Top up through a terminal or ATM.
• Transfer from another Sberbank card using Sberbank Online, Mobile Banking or ATM.
• Transfer from a card of a third-party issuer through its Internet bank.

If you refuse third-party resources and use the services and tools of Sberbank, the balance is replenished at no extra charge.

Send a transfer

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

• . Go to Payments and transfers - to your card. Specify the card for debiting and crediting funds, as well as the amount of the transaction.
• Mobile bank. Compose a message: TRANSFER, 4 extreme digits of the debit card number, 4 card characters for deposit, amount. Send to 900.
• ATM. Insert the card from which you want to send money. Go to Transfers, write down the card number to receive and the value.

No commission is charged. Enrollment occurs instantly or within a few minutes, less often - up to a day.

If you need to send a transfer to a Sberbank pension card from a card of another institution, you can use its Internet bank and other tools offered by the institution. The transfer fee is in the order of 1% - but check the specific values ​​for your situation.

Service Active age

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

Sberbank card Active age provides privileges when making deposits, Savings accounts, mortgages and some other Sberbank products, which we already mentioned earlier.

Courses

On the Sberbank website https://sberbankaktivno.ru, you can also take courses that will help you find yourself, get rid of the worries and anxieties caused by a change in lifestyle, set up relationships with loved ones and enjoy going on vacation.

Courses are provided online in the form of articles, videos and exercises. Only holders will be able to complete the full course MasterCard cards, for which you will need to enter its number in the corresponding window.

You can also try a trial course without a card. At the same time, access to information is not limited within 10 days.

Health

In the Health section, Sberbank pension card holders are offered to make an appointment with a specialist based on his rating and reviews.

You can search by locality, category of doctor, cost of admission and other important aspects. To sign up, just enter your name and phone number on the form. Having received a call, it remains only to specify a convenient time for visiting a specialist.

They also offer a service that will help identify the necessary specialist based on the symptoms specified by the user. The tool can only be used by MasterCard cardholders (access by number).

Other debit and credit cards for seniors

In addition to a card for receiving a pension, a pensioner has the right to issue any Sberbank card available in the range or several, if necessary.

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

• Credit, debit.
• MasterCard, Visa, MIR.
• Classic, golden, premium.
• for card payments. Miles can be used to purchase tickets, improve the status of service at airports, and more.
• Give life: to participate in charity.

Also, a pensioner can be offered a card with a pre-approved credit limit, which is calculated individually, based on the magnitude of its income.

Conclusion

The Sberbank card for pensioners has its pros and cons, but is reliable for calculating pensions. You can refuse it or choose another one, but with great restrictions. In Sberbank, a card for pensioners with interest accrual has free service, and also provides a number of privileges: deposits with maximum interest, mortgages at a convenient rate, etc. Additional benefits are provided by the Active Age service of Sberbank. The main disadvantage of the MIR card is the restriction of use abroad.

The bulk of older Russian citizens receive the required pension payments to a bank account or by mail. Those persons who have chosen a plastic card as an option for receiving a pension, until recently used Visa and MasterCard payment systems. However, after the international sanctions imposed on the Russian Federation, these types of reservoir products were under the threat of blocking. So, in 2014, the Fed froze operations in the Crimea and Sevastopol. The current situation prompted the Central Bank of Russia to develop its own payment system for budgetary and social payments called Mir.

According to federal law No. 161-FZ dated June 27, 2011 "On the payment system of the state", all financial institutions countries are obliged to support the MID system, and from 2018 use it to make payments to public servants and pensioners.

What is the MIR card?

The MIR debit card, issued by Sberbank of Russia specifically for pensioners, is a unique plastic product with a globe-shaped logo and branded blue and blue colors. The operation of this card on the territory of the state is regulated by Federal Law No. 2300-1 as amended on July 03, 2016, according to which the country's financial institutions must ensure the processing of plastic in all retail outlets of the Russian Federation, as well as their acceptance at the ATM network of Russian banks.

Currently, the following types of Mir cards from Sberbank have been issued:

• Pension - designed for people of advanced age who regularly receive the required pension payments.
• Classic debit - for accruals wages budget employees (similar to payment Visa systems Classic and MasterCard).
• Both types exclusively support the domestic currency − Russian ruble, and the service life of the card is limited to three years from the date of issue.

Terms

The MIR plastic card of Sberbank for pensioners is presented on the following terms:

• currency - Russian rubles;
• validity period - 36 months;
• accrual of 3.5% per annum per annum on the card balance;
• maintenance cost - 0 rubles;
• a preferential Mobile Bank is provided on the following terms: the first 60 calendar days are free of charge, then 30 rubles. per month, % on the balance;
• there is electronic chip protection;
• additional bonus "Thank you from Sberbank".

Withdraw money from pension card The world is still possible only in Sberbank ATMs. There is no cash withdrawal fee.

Who can apply for a MIR card?

Today, all physical entities that meet the following requirements can apply for a MIR card:

• age of majority;
• citizenship of the Russian Federation or the right to receive a pension for stateless persons;
• permanent or temporary registration at the place of residence in Russia.

To obtain a card, the client must contact the nearest office financial company with two main documents: a personal passport and a certificate confirming the right to receive pension payments. Then, in the presence of a representative of the organization, you should fill out the proposed application form.

The issuance of the card lasts no more than 3 days, however, it will arrive at the company's branch within a week, about which the client will be notified via SMS notification to the phone number left in the application. After that, at a convenient time, the client can come to the bank and pick up his card.

Maintenance cost

The MIR pension product is issued and maintained free of charge. There is also no fee for servicing the card at Sberbank ATMs. As for the debit option, there are such tariffs for it:

• for the first year of service - 750 rubles;
• for the second and subsequent - 450 rubles;
• reissue in case of loss - 150 rubles;
• disbursement of an amount not exceeding daily limit, in the office of the organization - free of charge, over the established limit - 0.5%;
• issuance of funds in other structures - 1% (not less than 150 rubles)
• withdrawing money from Sberbank ATMs is not charged, in other banks - 1% (minimum 100 rubles).

Also, for the debit option, there is a daily limit within 150,000, and a monthly limit of 1,500,000.

Pros and cons of the world map for pensioners

The Mir card from Sberbank for pensioners has both its pros and cons. Its advantages include:

• reliability - plastic is not subject to the influence of the Federal Reserve and it cannot be blocked on request from the outside;
• safety - protection by a chip of the domestic manufacturer "Mir-Maestro";
• price - release and maintenance for pensioners is free, for other citizens - the cost is not significant;
• wide application - in Russia there is a wide network of receiving this type of plastic, including in the Crimea.

As for the disadvantages, two main disadvantages should be noted here - the inability to use the card abroad and long queues at the company's offices when receiving this plastic product.

How to refuse?

If a pensioner wishes to receive his payments in cash or to a bank account, then according to the law, he must be given such an opportunity. Moreover, in the event that the user has already received plastic, he has the right to refuse it at any time. You can do this at the nearest branch of Sberbank by writing an application to refuse the Mir card. All that the applicant must have with him is a personal passport document, a pension certificate and the plastic product itself.

Can I get an online loan on the MIR card?

Today, you can get a small loan online in various ways, but the transfer borrowed money directly to the card is the most convenient, since the loan is received instantly.

Holders of MIR plastic products from Sberbank today can get a loan directly to the card. For example, MFI "Turbozaym", which is part of the group of companies "Bystrodengi" accrues cash from January 2017 to the MIR card. Design online application You can click "Continue".