On the eve of the celebrations, most of the inhabitants of Russia spend a considerable amount of time in shopping centers in order to make large acquisitions. We are talking not only about purchases for the home, for example, furniture sets, decor items or household appliances, we should talk about presentations, gifts, clothes, and also about the grocery basket. Based on this, a logical question arises. How will it be more convenient and more advantageous to pay in a supermarket?
Paradoxically, most experts say that as a result of paying with a bank card, the consumer usually spends 30% more money than if he paid in cash, but in fact it is the bank card that can be of great benefit to the user and become a real save for him funds.
Next, we should talk about purchases made on a worker’s salary card. To begin with, it must be emphasized that using this method is beneficial and practical. For you, you just need to find out and remember the addresses of your bank's ATMs, and you also need to know where it will be convenient for you to withdraw funds in the absence of a commission. But numerous cases prove that people, despite their knowledge of the workplace, still confuse the salary card with the account to which they receive the money, say, according to the partnership agreement.
First meeting
It should also be said that if all employees apply a salary card in a particular bank, then this determines the benefit of the organization itself, as well as more favorable conditions for all users. You need to know that if a person is an employee outside the state and is going to open an account regardless of the company, then in any case it is necessary to be aware of all applicable tariffs and prices. This is necessary due to the fact that the bank writes off a certain amount of cash as a result of any operations or simply for servicing.
Now it's time to get closer to the essence of the question we have raised and talk about interest-free credit cards. Of course, it will not be a surprise for you that you were previously offered to issue a plastic card at the bank. It is worth understanding what the basic principles of a bank card are based on and what is its essence? Over a certain period (mainly from thirty to fifty days), you can spend money from this card on the purchase of any things you need, after which you can return this money to the bank without an interest deposit.
Such actions will be comfortable if you need to immediately purchase something, however, funds for the purchase of this product will appear only after a certain time. The scheme is that you borrow from the bank before you have money, you will receive a salary.
However, this species has two major disadvantages. It is possible to pay only goods with a card without interest, and if you want to withdraw cash, you will have to pay a significant amount of money. In addition, if you can’t manage to return the funds in due time and on the deadlines, you will receive only huge percentages and no benefits.
Unfortunately, very often people find themselves in unpleasant situations: for months, and for some years they pay only a percentage on a loan and cannot get out of this debt hole.
Further, it makes sense to talk about cash payments and the pros and cons of this type of funds. Firstly, with regard to cash payments in shopping centers, it is much more convenient and cheaper to pay with cash - this is what psychologists believe. But almost all these words are relatively relative, since in most cases everything depends on the person himself, his preferences and tastes. And in these conditions, there are pros and cons: when a person pays for purchases with a trifle from his wallet, he rarely ever realizes a full account of how much and what he spends. Basically, the buyer does not attach importance to the little things, although it can be a significant amount.
Of course, it cannot be denied that by paying with a card you can lose your money account and part with a fairly large amount of money. In order to control how it is cheaper and more profitable for you to pay in shopping centers, do some experiment with yourself. To get started, go to the supermarket with cash in hand, and in the second case, take a bank card with you. The list of proposed purchases is not allowed! Then compare the funds spent and conclude which method of payment you will save more funds.
The next, no less burning topic that will help us understand the issue is how to pay abroad? Most Russian travelers choose to pay by cards. It is very practical and advisable to do this abroad - in many states, cards are accepted including in small shopping centers, cafe-bars and souvenir shops. Without exception, all questions can be discussed in the bank that provides you services. A portion of the funds must be taken in cash in order to pay for the service, provide tip money and pay motor transport.
Map of Sberbank "Maestro"
In the modern abundance of gadgets, technical devices and a variety of bank cards, it is very difficult to choose a convenient and really comfortable card that would meet all the preferences of the client, would match his taste. We can say with confidence that each person at least once in his life experienced inconveniences associated with the method of payment for his purchases. Surely no one wants to experience embarrassment, standing in a long line at the hypermarket with the inability to pay for a large number of products you have chosen.
Sberbank "Maestro" card is convenient to use and saves its client from technical failures and malfunctions. This is a debit card, which is most often issued at work or in higher education institutions as scholarship or salary. There is also a pension card of Sberbank "Maestro". I would like to add that the Maestro card has international status and is included in the MasterCard system, thereby expanding the scope of its capabilities, giving the client a new, more improved range of services.
When a client draws up a Maestro card, he becomes the owner of a debit card of the simplest level. From this very moment, a person can use his money through bank transfer. This applies to the payment of various purchases, money transfers, as well as managing your own account through the Sberbank-online phone application. As for the annual service plan for this card, it is quite budgetary and amounts to about 300 rubles a year, and the card is issued to pensioners absolutely free.
Social card "Maestro"
Starting a conversation about what the Sberbank "Maestro" social card is and to whom it has the right to be issued, it should be said that not all categories of the population can get this version of the card. In order to get a social card, you need to have the right to receive a pension either by old age, or as a result of any other life situations: disability, loss of the breadwinner in the family, and so on. The Bank has the right to issue a card to a needy citizen over the age of 14, if this person has Russian citizenship, permanent registration in the region where he is issued a card. If there is no registration, then the right to choose and make a decision remains with the bank issuing the social card of Sberbank "Maestro".
Next, indicate what needs to be done and what documents to draw up in order to be able to get a social card. If you have a pension certificate, you need to contact a branch convenient for working with Sberbank and make a request to create a Maestro pension card from Sberbank. You also need to show the passport of a citizen of the Russian Federation and a pension certificate. Next, you will need to fill out all the necessary documents, an application, and, finally, apply to the pension fund and wait for the social card to be ready.
As for the percent of Sberbank's Maestro card, they are credited to the retirement card in the amount of 3.5 percent per annum on the card’s remaining funds. But it should be added that interest will not be charged every month, but after the end of every third month from the day the card is created and the account is opened. Thus, the Maestro Sberbank card becomes very profitable for pensioners.
How to make transfers to the card
A necessary function, which is very relevant in the modern fast pace of society, is the transfer of funds to customers of various banks. There are many different ways to transfer funds to the Sberbank Maestro card. One of the most common is the transfer through an ATM, where the client only needs the card number to which he wants to transfer a certain amount of money.
Also, clients often make transfers through bank cash desks, but for this, a person will already need a passport of a citizen of the Russian Federation, which is a little more difficult than in the first case. Money can be transferred to Sberbank's Maestro card both at home and at work, as they say, "without leaving the cash desk." This can be done through the mobile application in the Sberbank Online phone or by sending a message with the text "Transfer" to 900. This procedure saves a lot of time, allowing the user to complete the whole procedure easier and easier, without spending a lot of effort.
Loan on the card "Maestro"
Now you know how to transfer a sum of money to Sberbank's Maestro card. As it turned out, the translation procedure is not so complicated, if you look. But no less relevant is the issue of a loan to the card of Sberbank "Maestro". Let's deal with this issue, no less exciting for many customers, in detail. It is worth noting the fact that loans are widespread in the modern world.
It is not difficult to get a loan these days, and there is also no problem in transferring this loan to the Sberbank "Maestro" card. Organizations do not require too much from customers, there are no strict restrictions on getting a loan of up to 15 thousand rubles. The client must be 18 years old and at the time of registration of the contract he must have a passport. Payment of such a loan is the interest rate. In Moscow and the Moscow region, it is about two percent per day.
After filling out all the necessary papers and obtaining consent to issue a loan to the card of Sberbank "Maestro", the user provides the card data and receives a cash amount by non-cash funds. You can apply for a loan both at the MFC and online. The organizations issuing permits for these loans work both on weekdays and on holidays, which makes issuing a loan a convenient, simple, but no less effective procedure.
Advantages of the Maestro Card
When you get acquainted with the Sberbank "Maestro" card and decide how to transfer the money to it, it's worth talking about other advantages of cashless payments on this card. The first and most important plus of the Maestro card is that it has low tariff plans for customer service, which helps to save a decent amount of money.
Another significant advantage of the Sberbank Maestro card is that salary cards do not charge commissions, like many other types of bank cards. The card is good in that it makes it possible to pay for products and things at terminals of retail chains, and also, the client can withdraw money from the Maestro card at terminals abroad. As mentioned earlier, this is an international card that makes life easier for its holder and gives more and more new opportunities.
Disadvantages of the Maestro Card
All things, one way or another connected with technology, have their own advantages and disadvantages. Nowhere without it. We learned about the pros. Cons of the Sberbank Maestro card will be described below. Speaking about strengths, we said that the Maestro card is accepted for payment abroad, but, unfortunately, in some countries, for example, Chile, it will not be possible to pay with it. This is the weakness of this card. Also, if you have an unnamed card, then be prepared to present an identity document, for example, when buying real estate, a car.
It should be added that this type of card does not have the ability to urgently issue cash, so that, being abroad, it is unlikely that a person will be able to quickly withdraw the amount of money he needs. But, despite this, a large number of people are satisfied with the card, who are satisfied with the service.
What is the “Maestro Mir” Sberbank card?
The Sberbank World Maestro card appeared relatively recently, but today it has gained popularity among non-cash users. One of the advantages of this card is that it has a chip and is free to maintain. An urgent card issue and free statements in your personal account are also quite possible. But, unfortunately, there are also shortcomings on the Mir map.
Firstly, the rather short validity period of the card itself, which is 2 years. It should be said that this type of card has a limit on cash withdrawals, this complicates the use of the card. But we can not add that the card still has more pros than cons. That is why this type is increasingly being transferred to salary cards.
Card difference
Cards "Visa" and "Maestro" of Sberbank have differences in use, reported by users and customers of banks. Describing what a Visa card is, it must be said that it is a product of a multinational corporation with headquarters in the United States. This company annually develops new technologies that occupy the main, leading positions in the market, therefore this type of cards is accepted in many countries for payment of purchases. That is, the Visa card is a whole, regulated payment system that has its own tools, and in turn, the Maestro card is just one of the types of MasterCard cards.
But in fact, it is very difficult to find differences in the operation of these cards, because in operation they are almost identical, with the exception of small features. For example, if you go to the countries of North America, it is better to take a "Visa" with you. And if you are planning to visit European countries, it is better to use MasterCard cards.
Final conclusions about the work of the "Maestro" card
Based on all of the above, we can conclude that the card of Sberbank "Maestro" is very common in use. Its operation gives an advantage to users; it is easy and convenient to work with it. The comfort of using the card is that people are not tormented by the question of how to transfer money to the Sberbank's Maestro card, as all this can be done quickly without much effort.
This type of card is suitable for different age categories of users, from students to senior citizens. Moreover, each client may see a different personal benefit.
Of course, the Maestro card also has drawbacks, but other types of cards also have them, so they don’t interfere with working with this type. It is also suitable for withdrawing money abroad and abroad, which allows you not to think about currency exchange, about worrying about where to put money in order not to forget it or not to be a victim of a thief, a criminal. Summing up, it should be said that the recommendations on the purchase of the card can be considered justified.
Finally
We hope that our article was useful to you in many ways. Now you have a clear idea of the Sberbank "Maestro" card, its main nuances, advantages and disadvantages.
Employees of the popular and one of the largest banks in Russia, Sberbank, are always ready to help their customers in processing debit cards. It all depends on you, the choice is yours, which cards to give preference.