The MIR payment system from Sberbank makes it possible to carry out a wide range of necessary banking actions, such as receiving and, in addition, depositing funds, paying for all kinds of goods and services, as well as transferring finances from one payment instrument to another.
Description
Sberbank cards of the payment system "MIR" began to issue exactly a year ago. This was a long-awaited event, as many financial institutions in Russia have long begun to offer them to their clients.
To date, cards of the MIR payment system from Sberbank are issued exclusively in debit functionality. As planned, access to a credit card will be provided to customers next year.
Terms and Rates
Card conditions are provided in three versions:
- Debit classic card.
- Gold card.
- Pension card designed for social payments to pensioners and other low-income groups.
The main feature of the card is that the account on it can be opened only in rubles, since this payment system is focused exclusively on transactions within our country.
Classic card of this payment system
Absolutely anyone is entitled to receive a classic debit card of the MIR payment system from Sberbank. At the same time, the client is offered the following conditions and services:
- Free card issue.
- The cost of service is seven hundred and fifty rubles for the first year. Next, four hundred and fifty rubles are paid for subsequent years.
- Fee for cash withdrawal at Sberbank terminals is not deducted. One percent is charged for debiting funds from ATMs of other credit institutions. We will review the reviews about the MIR payment system below.
- A full set of mobile banking options costs thirty rubles a month. An economical package is provided to cardholders for free.
- The limit on cash withdrawals is three hundred thousand per day and one and a half million per month.
- The limit on money transfers from the card is five hundred thousand rubles per day.
- Bonuses “Thank you” from Sberbank are awarded in the amount of half a percent of each purchase purchased.
- Providing contactless payment technology.
It should be noted that within the framework of the salary program, the issuance of the Sberbank "MIR" card in the mode of free annual service is allowed. Therefore, in relation to this card they use another name - salary.
Gold card "MIR" from Sberbank
At Sberbank, customers can issue not only a standard classic card, but also a more prestigious MIR payment system. It is no secret that the elite status of the card will once again emphasize the high level of the client. The following conditions and tariffs for customers apply to the MIR gold card:
- Payment card issuance is free of charge.
- Annual maintenance costs three thousand rubles a year.
- Cash withdrawals at ATMs are free of charge.
- Write-off limits are three hundred thousand rubles per day and three million per month.
- A complete set of mobile banking options is provided to holders of "gold" cards for free.
- A bonus program called "Thank you" accrues half a percent on each purchase, in addition, there are additional bonuses provided by the partners of the program.
Sberbank: MIR Pension Card
The pension card of the MIR payment system from Sberbank is intended for a privileged group of citizens who receive pension accruals or other payments from social services. For this reason, the terms of service for such customers are preferential in comparison with other tariffs. This type of payment instrument is issued for free with a five-year service life. In order to receive such a payment instrument, it is necessary to meet a number of the following requirements:
- Be over eighteen.
- Be a citizen of Russia and have the right to receive pension or other social benefits provided by the state.
- Have permanent or temporary registration in Russia.
Benefits
Customers using MIR cards from Sberbank have the following advantages:
- Existence of a wide network of card acceptance throughout the country.
- Increased cashback, which is up to fifteen percent according to the "Hello World" program. True, it should be noted that to date, this project is valid only in some regions.
- The ability to make card payments regardless of the current political situation. With the MIR payment system, there simply cannot be such a risk.
- The presence of modern and secure Russian technologies that are responsible for the security of settlements.
- It was discovered by users that at Sberbank the price for annual maintenance of the MIR card is the same as for classic products. True, the bank claims that in the future the situation will change for the better and the product will become cheaper.
True, its distribution is not yet too wide. Now it’s quite difficult to find an ATM or terminal that can read the card.
The account currency is rubles, which is done in accordance with the policy of the national payment system. This is not always convenient.
It can be paid only in Russia.
It is necessary to refine many functionalities.
Reviews about the payment system "MIR"
What do customers say? Today, consumers consider the MIR payment card from Sberbank to be a rather promising financial offer. For customers, this product is, first of all, good because it is planned to distribute the bonus program from the developer across the country on the card, which, undoubtedly, will make it possible to receive cashback for purchases of up to fifteen percent. In the meantime, the above option has not come into effect, consumers are advised to use the MIR card for online payments, using the already verified LetyShop cashback service, which allows you to return some of the funds back from purchases.
People also like the fact that several steps of the MIR national payment system from Sberbank: Gold, Social, and Classic - allow people with different levels of wealth and income to open and use cards. In addition, the use of the Russian payment system automatically insures people against risks of a geopolitical type, that is, as for this line of cards, millions of Russian payment cards will not be blocked by the US authorities.
Cons of the payment system "Mir"
The main disadvantages include:
- A small number of ATMs where you can withdraw cash without a commission.
- Not all terminals accept it for payment.
- There are no bonuses and cashback.
- It will not work on the Internet.
- Valid only in Russia.
You need to weigh all the pros and cons, only after that make a choice.