Transfer of pension savings to a Sberbank card. Favorable banks for transferring pensions to a card

Already when applying for a pension, citizens are faced with a choice of where to transfer their pension. Many choose the traditional option - through Russian Post. However, the more modern generation wants to transfer their pension to a bank card. Let's try to figure out why this method is better and which bank to choose.

Advantages of receiving a pension on a bank card

Those who decide to transfer their pension to a card note a number of advantages of this method:

1. There is no need to queue at the post office;
2. the ability to withdraw money any day after it has been deposited, that is, you do not have to go for money on a certain day;
3. A pension card is an excellent protection against thieves, since you don’t have to walk down the street with cash;
4. some banks charge interest on the balance on the card;
5. availability of discounts and other bonuses.

Moreover, when receiving a pension through a card, you can use all the conveniences of this banking product. Many banks offer to pay for mobile communications, utilities and other services via the Internet without leaving your home.

How to transfer a pension to a card

Those who decide to receive a pension through a bank should go through a simple procedure:

• first of all, it is worth studying the offers of credit institutions and choosing the right one;
• go to the bank with your passport and pension certificate, apply for a card and receive its details;
• At the pension fund, fill out an application to transfer your pension to the card, attaching a letter from the bank with details to it.

It is best to submit the application in two copies, with one of them marked as having been accepted by the specialist. This will help confirm, if necessary, that the application in question has in fact been submitted. It is important to understand that, most likely, money will begin to arrive on the card in the month following the submission of the application.

The best banks for transferring pensions in 2019

Which bank should I transfer my pension to? This question is asked by everyone who has decided to transfer their due payments to a card. At the same time, there are banks that provide specialized cards for receiving pensions.

Debit card "Polza" Home Credit Bank for transferring pensions

At Home Credit Bank you can get perhaps the most profitable debit card for receiving a pension. This card contains all the best conditions that can be found in a debit card.

And here's why the Home Credit card will be beneficial for pensioners:

1. The card is completely free for the first year, and from the second year, if you constantly have at least 10 thousand rubles on it, it will also remain free.
2. Special bonus points are provided for purchases with the card, which makes your purchases with the card even more profitable. This is exactly what pensioners who are trying to save every penny need.
3. The bank charges interest at the rate of 7 per annum on the card balance. That is, the card can be used not only to deposit money, but also as a piggy bank card or deposit. Today, 7% per annum is a very favorable rate. In Sberbank, the interest rate on deposits is even lower (about 5.5-6% per annum).
4. Withdraw cash up to 5 times a month from any ATM in the world, always without commission!

Among other things, Home Credit Bank is one of the systemically important banks in our country, and is also a participant in the deposit insurance system. Thus, there are no risks in terms of the bank’s reliability.

Tinkoff Bank - free debit card for pensioners

Most recently, Tinkoff Bank changed the conditions for its debit card. For pensioners receiving salaries under an agreement between the bank and the Pension Fund, the card has become absolutely free. This fact has made the payment card one of the profitable cards for receiving a pension in Moscow and the Moscow region, since in these regions the bank is an accredited participant for transferring pensions. Read more about preferential services here.

Conditions of the Tinkoff Black card for pensioners:

• Card service- free.
• Calculation of interest on the balance— 6%, subject to card purchases per month of 3 thousand rubles.
• Cash withdrawal from any ATMs— free for withdrawal amounts of 3,000 rubles or more. Limit 150 thousand per month.
• Transfers to friends, family and friends to other banks- for free.
• Additional cards- for free.

Post Bank - pension on MIR card or savings account

Favorable conditions for transferring pensions are offered by Post Bank. When you receive funds from the Pension Fund into your account, servicing your Visa Classic or MIR card is absolutely free.

Interest is accrued on the funds on the card, and at the pension rate it is higher by 1% per annum and amounts to:

• if the balance is less than 50 thousand – 4%;
• if the amount in the account is more than 50,000 rubles - 6%.

For those who have a bank card for pensioners from Post Bank, they offer more favorable loan conditions.

For the convenience of clients, the credit institution has entered into a partnership agreement for withdrawal of funds. Therefore, you can get cash without commission not only directly at Pochta Bank, but also at ATMs belonging to VTB Group banks.

Rosselkhozbank - MIR debit pension card for transferring pensions

Another profitable bank for transferring pensions is Rosselkhozbank. Here you can order one of several card options:

• virtual;
• MIR classical;
• Different types of MasterCard.

Among the advantages of this credit institution are the following:

• free issue of a bank card;
• You can get a plastic card within a few minutes;
• interest is accrued on funds remaining on the account at a rate of 7% per annum;
• MasterCard cards provide free SMS messages about cash flows.

You can withdraw money without commission at ATMs of the following banks:

• Rosselkhozbank itself;
• Promsvyazbank;
• Rosbank;
• Alfa Bank;
• Raiffeisenbank.

Another pleasant moment is the assistance of a bank employee in filling out an application for the Pension Fund. To apply for a card within the “Pension” tariff plan, it is enough to have your passport and pension certificate with you.

VTB - pension bank card

VTB also has an advantageous card for transferring pensions. It can be issued absolutely free of charge at any bank branch. After this, an application to the Pension Fund is written according to the traditional scheme. As a result, you get the following amenities:

• annual service without commission;
• free SMS notification;
• payment of utility and other bills without additional fees through an ATM;
• income in the amount of 4% per annum on the account balance.

Binbank - free card for crediting pensions

A bank card for pensioners issued at Binbank gives the right to the following benefits:

• free service regardless of how the card is used;
• accrual of income based on 6% per annum on the cash balance;
• up to 5% cash back on selected purchases;
• the ability to pay for purchases and payments online without cash.

You can withdraw money from a Binbank bank card without paying any fees at the ATMs of Alfa-Bank, MDM Bank and Raiffeisen Bank.

Sberbank - MIR pension card for crediting pensions

Most Russian citizens are accustomed to trusting Sberbank. Therefore, it is quite logical that many are interested in the conditions under which pensions are transferred to a Sberbank card.

The advantages of this option include the following:

• simple and quick registration;
• cheap service (up to 300 rubles depending on the branch and the selected card type);
• free transfers of funds and various payments via the Internet, ATM, telephone;
• interest is calculated on the account balance every three months.

Thus, transferring pensions to bank cards is not only convenient, but also profitable. In addition to eliminating the need to stand in line at the post office, many cards accrue interest and offer various promotions. To get the maximum benefit, it is important to choose the right bank to receive your pension. This is not difficult to do if you use the proposed description of the above-mentioned credit institutions.

Not all post offices offer a service that allows you to bring your pension home. Therefore, older people have to go to the post office or bank branch on their own in order to receive the money transferred to them. And of course, here they will have to stand in lines and experience some discomfort associated with slow service and long waits. It is much more convenient to apply for a card and receive your pension at any of the available ATMs of a credit institution. For example, this is possible in Sberbank. But how to connect this service? And how to transfer a pension to a Sberbank card?

Visiting the bank to issue a card

Before transferring your pension to a Sberbank card, you must first open it. To do this, you should come to the nearest bank branch with a pension card, passport and savings book (if until this moment the pension was transferred to it). Next, you need to write an application to open a card account, sign it and wait 10 to 14 days.

After you receive the card, you need to take its details (they are in the bank service agreement) and go to the Pension Fund. There you will also have to write a statement indicating a change in the method of crediting your pension.

And then all that remains is to wait until all the formalities are checked and settled. As a rule, the next payment is made in the old way (through a bank cash desk or post office). The next time the pension is credited to Sberbank cards. For pensioners, this is a great opportunity to withdraw money from an ATM.

What programs for pensioners operate at Sberbank?

Currently, Sberbank offers elderly people and those receiving a pension a program called “Golden Years”. It is a set of banking products that allow pensioners:

• Receive a pension without problems and queues.
• Perform operations with your own pension account remotely.
• Use additional deposit services and increase your savings.
• Make purchases in stores, including virtual boutiques, using the card.

Moreover, everyone who joins the program has the right to obtain social cards Sberbank. For pensioners, they are opened and serviced completely free of charge. By the way, cash withdrawals using such cards from ATMs of other credit institutions occur without additional fees.

What Sberbank cards are available to pensioners?

When a pensioner connects to the bank’s program, he is asked to choose one of the bank’s cards. For example, this could be a Maestro “Social” debit card. It is this that provides access to remote account management and an additional range of banking services. A nice bonus for the elderly will be an additional 3.5% per annum accrual on your account balance. Pension accrual to the Sberbank Maestro card is carried out on the basis of a written application.

To enroll in your pension, you can also choose the Mir social card. It is protected by an electronic chip and also includes free issue and maintenance.

What are the validity periods of Sberbank social cards?

All Sberbank social cards have the same expiration date - 3 years. The end date can be seen on the front of the card. It is until the date indicated on it that your “plastic” will be valid. Subsequently it will need to be reissued. To do this, you need to come to the bank with your passport and pension ID, and then write a new application for the card to be issued.

How to transfer a pension to a Sberbank card without a pensioner?

As can be seen from the previous tips, in order to transfer a pension to a card, the personal presence of the pensioner is necessary. But what to do if an elderly person is unable to move independently, but still needs to transfer money to a card? For example, this applies to bedridden patients, whose pension goes towards the cost of caring for them. The same applies to disabled people and other citizens who are unable to act independently. How to transfer a pension to a Sberbank card without a pensioner in this case?

In such a situation, a trusted person is required, for example the pensioner's closest relative. He and the pensioner need to draw up an application for trust management of the elderly person’s pension and have it notarized.

Next, you should report this to the Pension Fund and the bank. It is necessary to take the original and a copy of the power of attorney to both organizations. After all the details have been settled, the relative of the pensioner can repeat the path of writing an application to the Pension Fund and the bank (as shown above), but without the personal presence of the pensioner. But is it really possible to perform money transfer operations remotely? We’ll talk further about how to transfer a pension to a Sberbank card via the Internet and whether it’s realistic to do it at all.

Is it possible to transfer a pension to a card via the Internet?

Despite the availability of online banking and numerous useful services, it is not possible to transfer a pension to a card using the Internet. To perform this operation, you must personally come to the bank and the Pension Fund. Or a trusted person can do the same.

Therefore, the answer to the question: “How to transfer a pension to a Sberbank card through State Services?” - it will be “no way”. Using the government services website you can obtain the following information:

• On the assignment of pension accrual.
• About the status of the current pension account.
• About how to retire for older people.

Also, using this resource, it is possible to submit an application for transfer from one type of pension to another and recalculate it.

How to simplify the procedure for applying to a pension fund?

To save time and avoid queues, you can do the following:

• go to the pension fund website;
• select the “Electronic Services” tab;
• go to the “Make an Appointment” page;
• select your region;
• provide all necessary information;
• select the time and day of visit;
• send an application.

This way, you can make an appointment with the fund’s specialists online, thereby reducing the time you spend in the fund and getting rid of long waits in line. Here's how to transfer your pension to a Sberbank card using the Internet. And although such a service does not completely solve the problem, it does make the process much easier and more convenient.

Moreover, on the Pension Fund website you can leave a request to review the method of crediting funds, indicating the Sberbank social card as an option. To do this you need to be registered on the site. Sending an application is possible through the “Personal Account”. However, to confirm the action, you still need to come to the fund branch in person.

What opportunities does a pension card open to pensioners?

After you have expressed a desire to change the method of crediting pensions, you are issued a card instead of a savings book. It allows you to perform the following procedures:

• Pay for utility bills, services and services.
• Make transfers from card to card.
• View information about your card account and manage it online.
• Find out about pension crediting via SMS.
• Receive money from any ATM of Sberbank and other partner banks.
• Make payments for goods in stores.
• Open additional cards.
• Use other banking products and services on preferential terms (for example, open a deposit).
• Top up your card online.
• Shop online and more.

Moreover, when using the card in some stores, it is possible to get a discount on goods and services ranging from 1-12%. Now you know how to transfer your pension to a Sberbank card.

Instructions

When applying for a pension, bank employees will most likely want to see not only your passport, but also your pension certificate. You can fill out an application for a card directly at a bank branch, receiving it from an operator, in some you can do this on the website or fill out an application on a computer and print it out. A down payment when applying for a pension card is usually not required.

Then you will also have to visit the Pension Fund branch that serves your registration address and write an application for the transfer of your bank card. Usually the account number is enough for this, but just in case, ask the bank employees to also give you full details. The application form will be given to you directly at the branch.

After this, you only have to visit the branch where you submitted your application within the time period specified by the bank employees and receive a ready-made card (it takes no more than a week to produce) and wait for the first transfer of the pension due to you.

Sources:

• transferring pension to card

With a large number of ATMs and payment terminals, debit plastic cards are in great demand among the population, including pensioners. Savings books are becoming a thing of the past and are being replaced by completely modern bank cards.

Instructions

If you need to have access to a card account abroad, then prefer map VISA Classic. But keep in mind that for using such a service the bank will debit a certain amount from your account annually.

Then, in the “Account (card) currency” field, check the “” box. In the next section, select which card issue you need. If you have the opportunity to use a banking service as soon as possible, then check the “Urgent” box. But in this case, keep in mind that an additional fee will be charged for expedited issuance of a plastic card (within 2 business days).

If you agree to wait 5 working days to receive your pension map, then check the “Standard” option. In this case, the banking product is issued absolutely free of charge.

Then indicate the address and telephone number of the place of registration. If you currently live in another place, then indicate a second address in order to receive mail notifications from the bank in a timely manner.

Next, write your last name and first name in block letters in Latin transcription. If you have a foreign passport, then write down the data from this document. If you don’t have a foreign passport, make a transcription yourself.

Then enter the required passport and pension card details. Complete the document by adding a date and signature.

The question of how to transfer a pension to a Sberbank card worries many elderly people who are not particularly versed in modern technologies, but experience serious inconveniences associated with regular visits to post offices. Not everyone has the health to stand in line. In addition, this is a time investment.

Is it possible to transfer a pension to a Sberbank card?

The answer to this question is of course yes! And the procedure is quite simple. Millions of Russians have been receiving pension payments on their cards for a long time and are quite satisfied. It's really very convenient.

Before a pensioner transfers his pension to a Sberbank card, he needs to find in his documents a passport, a certificate confirming his status, and a paper recording registration at his place of residence (if the corresponding stamp is not in the passport). Then, with all this, the person goes to the nearest Sberbank branch and writes two applications: for issuing a card and for service by a banking organization.

All. After this, you can go home and wait for a call from an employee of the financial institution. When the plastic card is ready (which may take up to 20 days), a competent person will notify you by phone. After which the pensioner goes to the bank again. He is given a card, having familiarized himself with all the instructions and rules for using it.

The second stage is a visit to the Pension Fund (its territorial branch), whose employees must provide their bank details. You also need to write an application for pension redirection.

It should be noted that the bank will not charge a fee for servicing the card. In addition, the owner is charged three and a half annual interest on the amount in the account. The money is credited to the card immediately after it is transferred to the PF.

More and more pensioners want to keep up with the times, wondering how to transfer their pension to a Sberbank card. Applying for a pension on a card without leaving home will help you avoid additional inconvenience and gain access to pension payments at any time, while older people are automatically notified of the receipt of money.

Sberbank is the largest bank in the Russian Federation, which is why many pensioners prefer it to other financial institutions. Among the main advantages of Sberbank as a bank for pensioners are:

• Stability. Sberbank has the highest level of trust among Russians, since it is not a commercial, but a government organization, which means that in any situation its clients have more guarantees.
• A large number of branches. The network of Sberbank branches covers the entire territory of the Russian Federation. Moreover, it is one of the ten largest banking networks on the planet, which means that the client can easily withdraw funds in another country.
• Innovative approach. Sberbank has been implementing an integrated Internet banking system for a long time, allowing it to perform a variety of financial transactions remotely. Modern ATMs, which can be seen in almost every locality of the country, also have such rich functionality.
• Profitable terms. Sberbank allows clients to save money, since they can receive a pension on a Sberbank card at a flexible social tariff (there is even a special card for pensioners).

List of documents

Before receiving a pension on a card, you need to take care of collecting all the necessary documents . Their list includes:

• identification document of a citizen of the Russian Federation;
• SNISL;
• a document confirming that the applicant has a residence permit.

How to apply

Transferring a pension to a Sberbank card consists of two steps:

• obtaining a card for pension payments at a local branch of Sberbank;
• submitting an application to the Pension Fund stating that the pension should be transferred to the Sberbank card from the post office, indicating the bank account details.

The process of obtaining a social card usually takes approximately 10-20 days. Later, Sberbank employees will contact the person by phone to notify him that his bank account has already been opened.

Below is a detailed algorithm for obtaining a card from Sberbank, which discusses all the details of the procedure:

1. Before transferring your pension to a card, find out the address of the nearest Sberbank branch and contact it with a package of documents already prepared. It must include an internal Russian passport, as well as a pension certificate, which confirms the right to receive financial assistance from the state.
2. After checking all the documents, Sberbank specialists can issue a card to the citizen, which is accompanied by an agreement with details (bank account number, password to the Internet account), as well as a PIN code. The PIN code, which consists of a four-digit number, is used directly when withdrawing funds from an ATM. It is prohibited to disclose it to third parties.
3. Having an active card in hand, you can contact the nearest branch of the Pension Fund of the Russian Federation. An employee of the Pension Fund will ask you to write a free-form application to receive a pension to a bank account. At this stage, it is important not to confuse concepts such as “card number” and “account number”. The card number consists of 18 digits and is indicated on its front side. As for the account number, it is already indicated in the agreement, a copy of which must be submitted to the PF branch.
4. The application should be processed by PF employees on the same day, after which the pensioner can only wait for the funds to arrive in his account. Preparing all documentation may take several days.
5. Payments will still be processed on the same schedule. A person will most likely not be able to receive a pension on the card a few days after the transfer, so you still need to contact the nearest State Services post office.

SMS about pension accrual

The Sberbank system automatically notifies pensioners that a pension transfer has been made. For using the Mobile Bank service, the client undertakes to pay 60 rubles per month. In addition, the service allows you to constantly receive notifications about balance changes.

Social card

As mentioned above, Sberbank issues a special social card to pensioners. It must be renewed every three years, and its maintenance does not require payment of an additional fee.

A pension on a card of such a plan has a deposit rate of 3.5%. Funds are credited every year in one of the months of the 3rd quarter. The specific date for receipt of funds on the bank card must be indicated in the agreement.

Payment for housing and communal services using a Sberbank card

Having received a Sberbank card, a pensioner also has the opportunity to pay for utilities using the Internet account. Citizens who do not have access to the Internet or have not yet mastered Internet banking also have the opportunity to use the nearest ATM. You can do this as follows:

1. Insert the card into the ATM slot.
2. Enter the PIN code on the mechanical keys.
3. Enter the ATM menu and then select the “Payment of utility bills” section.
4. In the menu that appears, you must specify all the required data (serial number, payment amount, etc.).
5. After pressing the “Make payment” button, a message about the completion of the transaction will appear on the screen, after which the user will be able to receive a receipt, which confirms that the payment has been made.

Important! The Sberbank receipt is classified as official documentation. It is valid for six months, so in case of any financial problems with paying utility bills, it must be presented to a Sberbank specialist.

If any difficulties arise, you can contact the bank's consultants. They will promptly explain the specifics of the payment procedure, and can also tell you how to transfer your pension from mail to card to Sberbank card.

Attention! Due to recent changes in legislation, the legal information in this article may be out of date!

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