How to transfer a pension to the Savings Bank card? Pension on the Savings Bank card: a bank program for the elderly

Of all the social groups in Russia, the largest number of pensioners. Each month the state transfers the monetary allowance to them. There are several options for obtaining funds. You can apply with a savings account to the bank branch and stand idle waiting for payment. Some postal citizens bring money home. But both of these options are not very convenient, because you have to spend a lot of time. It is better to use a bank card. You can arrange it in any financial institution. For more information on how to transfer a pension to a Savings Bank card, read on.

Benefits

Sberbank is Russia's largest and most stable credit institution, which provides its clients with greater opportunities than other similar institutions. For pensioners, such nuances are important:

• Sberbank is a state organization. In the event of economic shocks, the probability of its elimination 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 a commission in almost any locality in the country.
• A credit institution provides its customers with a remote account servicing service. However, not all pensioners are ready to master modern Internet technologies. But to receive SMS-notifications about transactions on the map it will not work.
• Specially for this category of citizens, the Social Card of Sberbank was developed . The pension is credited to it without commissions.

Payment instrument

"Social" is a debit card of the Maestro category. Special privileges for its use abroad are not provided. But within the network of a credit institution you can:

1. Automatically and regularly receive a pension on the card of the Savings Bank.

2. To use the payment instrument free of charge.

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

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

5. To participate in the bonus program "Thank you" - to purchase discount goods in pharmacies and partner stores.

Procedure for registration

To receive a pension on the Savings Bank card, you need:

• Contact the department with an ID and passport.
• Apply for a card issue.
• Get a printout with the details of the account.
• Cards are issued within two weeks. To receive the payment instrument, you will have to apply again to the bank branch. In addition to plastic, the employee must issue an envelope with a pin code for withdrawal of funds in terminals.

How to transfer a pension to the Savings Bank card?

It is necessary to transfer the application in two copies to the territorial branch of the PF. It contains the details of the card, the name of the recipient, and the name of the bank. A copy of the savings account of the pensioner and a certificate of account opening are attached to the document. One copy remains in the PF. On the second there should be a note with the number and date of registration of the message. Here you should specify all the documents that were transferred to the PF. If an application for transferring a pension to a Savings Bank card is submitted a few days before the next payment, then most likely the money will be transferred as early as next month.

After registration of the application, the terms of payments change. If the pensioner's benefit was received on the 12-13th of each month, the transfer of the pension to the Savings Bank card may be postponed for 5 days. The PF should distribute funds in the accounts evenly.

Nuances of service

The commission for opening an account is 10 rubles.

The Bank provides its customers with SMS-informing about the transfer of funds. For cardholders, "Social" fee for the first three months is not charged. For subsequent maintenance, you will have to pay 30 rubles per month.

Cardholders get access to the terminal through which it is possible to transfer a pension to the Sberbank card of a relative, pay utility bills, refill the phone, send other payments.

Reverse procedure

If, for whatever reason, a pensioner does not want to receive money on the Savings Bank card, then you can make a redirect. There are two scenarios for the development of events.

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

The second: the savings account is in the archive. In this case, everything depends on the circumstances. You can reissue the service to any other credit institution with which PF is cooperating. If this option does not work, then you will have to write an application for benefits in the local post office. In any case, it is better to solve the problem through the PF. Employees of the bank will not be engaged in processing the redirection.

Deposits

There is another reason, because of which it is worthwhile to be interested in the question of how to transfer a pension to the Savings Bank card. The credit organization offers this category of population to place the accumulated funds on deposits with favorable terms:

- high interest rate;

- insurance of savings;

- the opportunity to transfer the accrued interest to the account on a monthly basis;

- deposits can be replenished and prolonged.

In 2015, Sberbank canceled target deposits for pensioners. But in the existing special conditions are stipulated: the client receives the maximum rate for the chosen program. You can put money in your account in rubles, dollars or euros at the box office or through "Sberbank Online @ yen".

The size of the interest rate in rubles, taking into account the prolongation and capitalization of the contribution, varies within the following limits:

• "Preserve": 9.7-10.29%;
• "Replenish": 10,05-9,58%;
• "Pension plus": 3.5-3.55%.

The percentages are low. If you want, you can make a deposit in any other credit institution or put money on savings certificates. Only in the first case it is necessary to look for a reliable bank, and in the second one, to remember that investments even under 13.25% per annum are not insured.

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

• "Keep OnL @ yn": 10,5-11,34%;
• "Replenish OnL @ yn": 11-10.61% (within three years).

In addition, a pensioner, making out any contribution to Sberbank, enjoys unique bonuses:

- receives a savings book;

- can apply for the transfer of accrued interest on the card and use it for free within the first year of service;

- does not pay taxes, as interest on deposits is lower than the refinancing rate;

- can extend the contribution without re-signing the contract.

Conclusion

Once a month, the state transfers a cash benefit to the pensioner's account. To get it, you had to queue at the post office before. Now, credit institutions offer clients to issue a payment instrument for receiving benefits. How to transfer a pension to the Savings Bank card? It is necessary to apply to the branch of a financial institution with a certificate and passport and issue an application. The card will be ready in two weeks.