How to transfer a pension to a Sberbank card? Pension on Sberbank card: Bank program for seniors

Of all the social groups in Russia, the largest number of pensioners. Each month, the state transfers a cash allowance to them. There are several options for obtaining funds. You can apply with a passbook to a bank branch and stand idle waiting for a payment. To some categories of citizens postmen bring money home. But both of these options are not very convenient, since you have to spend a lot of time. It is better to use a bank card. You can issue it at any financial institution. Read more about how to transfer a pension to a Sberbank card, read on.

Benefits

Sberbank is the largest and most stable credit organization in Russia, which provides its clients with great opportunities, in comparison with other similar institutions. For pensioners, the following nuances are important:

• Sberbank is a state organization. In the event of economic upheaval, the probability of its liquidation is minimal.
• Sberbank is the leader in the number of branches in Russia and is among the ten largest networks in the world. That is, you can withdraw funds from the card without commission in almost any locality in the country.
• The credit institution provides its customers with remote account service. However, not all pensioners are ready to master modern Internet technologies. But they will not be able to receive SMS notifications about card transactions.
• Especially for this category of citizens, the Sberbank Social Card was developed . A pension is credited to it without commissions.

Payment instrument

Social is a Maestro debit card. There are no special privileges for its use abroad. But inside the network of a credit institution, you can:

1. Automatically and regularly receive a pension on a Sberbank card.

2. Free to use a payment instrument.

3. Quickly and at any time to withdraw and credit money to the card through ATMs.

4. Receive additional income of 3.5% per annum on the balance of funds in the account.

5. Participate in the “Thank you” bonus program - purchase discounted goods at pharmacies and partner stores.

Clearance procedure

To receive a pension on a Sberbank card, you need:

• Contact the office with a certificate and passport.
• Make an application for a card issue.
• Get a printout with account details.
• Cards are issued within two weeks. To receive a payment instrument, you will have to re-contact the bank branch. In addition to plastic, the employee must issue an envelope with a pin code for withdrawing funds in terminals.

How to transfer a pension to a Sberbank card?

It is necessary to submit a statement in duplicate to the territorial branch of the PF. It indicates the details of the card, the name of the recipient, the name of the bank. A copy of the pensioner's passbook and certificate of account opening are attached to the document. One copy remains in the PF. The second should have a mark with the number and date of registration of the message. Here you should indicate all the documents that were transferred to the Pension Fund. If an application for transferring a pension to a Sberbank card is submitted a few days before the next payment, then most likely the money will be transferred as early as next month.

After the application is completed, the payment deadlines change. If the pensioner received the benefit on the 12th –13th of each month, then the transfer of the pension to a Sberbank card can be delayed for 5 days. PF should distribute funds in the accounts evenly.

Service Nuances

The commission for opening an account is 10 rubles.

The Bank provides its customer with SMS notification service about funds crediting. For Social cardholders, no fee is charged for the first three months. For subsequent maintenance you will have to pay 30 rubles / month.

Card holders get access to the terminal through which you can transfer the pension to a relative’s Sberbank card, pay utility bills, recharge your phone, send other payments.

Reverse procedure

If for any reason a pensioner does not want to receive money on a Sberbank card, you can do a redirect. There are two scenarios.

First: the Pension Plus contribution is not yet closed, and the savings book is on hand. In this case, you must visit the PF and write a refusal to transfer benefits to the bank account. After receiving a payment for a savings book, it is necessary to close an account with a credit institution. As a result of such an operation, the pension will not be transferred to the Sberbank card.

Second: the passbook is archived. In this case, it all depends on the circumstances. You can reissue the service to any other credit institution with which the PF cooperates. If this option does not work, you will have to write an application for benefits at your local post office. In any case, it is better to resolve the issue through the PF. Bank employees will not deal with forwarding.

Deposits

There is another reason why you should be interested in the question of how to transfer a pension to a Sberbank card. A credit institution offers this category of population to place accumulated funds on deposits with favorable conditions:

- high interest rate;

- savings insurance;

- the ability to monthly transfer the accumulated interest to the account;

- Deposits can be replenished and prolonged.

In 2015, Sberbank canceled targeted deposits for retirees. But existing conditions stipulate special conditions: the client receives the maximum bid for the selected program. Money can be deposited in rubles, dollars or euros at the box office or through Sberbank On @ yn.

The interest rate in rubles, taking into account the prolongation and capitalization of the deposit, fluctuates within such limits:

• “Save”: 9.7-10.29%;
• “Replenish”: 10.05-9.58%;
• “Pension plus”: 3.5-3.55%.

The interest is low. If you wish, you can make a deposit at any other lending institution or put funds on savings certificates. Only in the first case will you have to look for a reliable bank, and in the second, remember that investments even at 13.25% per annum are not insured.

If these deposits are made out through Internet banking, the conditions for calculating interest do not change, but the rates themselves increase:

• “Save OnL @ yn”: 10.5-11.34%;
• “Replenish OnL @ yn”: 11-10.61% (within three years).

In addition, a pensioner, making out any deposit with Sberbank, enjoys some kind of bonuses:

- receives a savings book;

- can arrange the transfer of accrued interest to the card and use it for free during the first year of service;

- Does not pay taxes, since interest on deposits is lower than the refinancing rate;

- may extend the contribution without renewing the contract.

Conclusion

Once a month, the state transfers a cash allowance to the pensioner's account. To get it, you had to queue in the mail before. Now, credit organizations offer customers to issue a payment instrument to receive benefits. How to transfer a pension to a Sberbank card? It is necessary to contact the office of a financial institution with a certificate and passport and fill out an application. The card will be ready in two weeks.