How can you transfer your pension to a Sberbank card: current methods

Previously, most pensioners received their pension directly at the post office, but today most of them transfer pension accruals to a Sberbank card. Often older people think that understanding new technologies will be problematic for them. It's actually quite simple. How to transfer a pension to a card, and what is needed for this?

How to transfer a pension to a Sberbank card?

Every pensioner can transfer a pension to a Sberbank card. This can be done through Gosuslugi, MFC, Pension Fund. You will also need to visit the bank or apply for a card online.

Who can transfer a pension?

Transferring a pension to a Sberbank card is available to all citizens of the Russian Federation who receive pension accruals. It is important to make sure that there are bank branches where you live. Since Sberbank has a very wide network of branches, terminals and ATMs, receiving a pension on bank cards is available to most Russians.

Is it possible to transfer a pension to a card without the presence of a pensioner?

It is possible to transfer a pension to a Sberbank card without the personal presence of the pensioner himself. To do this, you need a power of attorney certified by a notary. The authorized person can transfer pension accruals to a Sberbank card.

Attention!

A trusted person will not be able to open an account in the name of another person even if a general power of attorney is granted.

What documents are required for translation?

To transfer your pension to a Sberbank card, you need to submit the following documents:

• passport of a citizen of the Russian Federation;
• pensioner's certificate;
• insurance certificate of compulsory pension insurance (represents a green card with SNILS indicated);
• a document confirming registration in the locality where the pensioner will receive a pension.

Reference!

If registration information is indicated in the passport, no additional paperwork is required.

The procedure for transferring a pension to Sberbank

A pensioner who has chosen Sberbank decides how to process the pension transfer. The procedure is quite simple. To do this, you should visit the nearest bank branch and submit the following documents:

1. Pensioner's identity document. Usually this is a passport of a citizen of the Russian Federation or a residence permit for a foreigner.
2. Pension certificate issued by the territorial division of the Pension Fund.

Based on these documents, the bank branch opens a pension account for which a plastic card is issued. The banking service agreement stipulates the possibility of connecting the card to Internet banking and ordering the issuance of an additional card to a trusted person.

Account data should be transferred to the Pension Fund branch at the place of residence, that is, where the citizen’s pension file is registered, by submitting an application for transfer of the pension to a Sberbank bank card. If you address this issue in advance, the pension will be transferred within a few days. If you apply a few days before payment, you should expect your pension to arrive on your Sberbank card as early as the next month.

Terms of Service

For each pensioner who is a client of Sberbank, a personalized “Social” card is issued. You can receive it two weeks after contacting the bank with an application to open a pension account. The card is valid for three years. Its maintenance and withdrawal of money are free of charge.

At the client’s request, the bank issues SMS notifications about each financial transaction:

• by date, time and amount of pension crediting;
• about withdrawing money from an ATM;
• non-cash payments using acquiring;
• account balance.

This service is provided free of charge for the first two months. Then 30 rubles will be automatically debited from your account every month.

Sberbank, for the balance of funds stored on the card, accrues income in the form of 3.5 percent per annum. According to the bank's terms, this operation is carried out every year, in the third quarter. If a pensioner, for some reason, decided to refuse the services of Sberbank, then the question of how to re-register receiving a pension in the previous way will not cause any difficulties. To do this, you should visit the Pension Fund.

The Sberbank pension card has many advantages over the classic receipt of a pension at the post office

Which card can I transfer to?

Sberbank offers several options for debit social cards for those who receive a pension:

• pension card of the domestic payment system "Mir";
• “Active age” card of the Master Card payment system.

The issue and maintenance of the MIR card is free. You can withdraw cash, receive funds on your card and receive statements without commission. It is also assumed that 3.5% per annum will be charged on the balance of personal funds.

The “Active Age” card from MasterCard, in addition to the already noted advantages, also offers additional services. Its holders have access to travel at special prices, the opportunity to take part in themed sales and receive free access to various video courses.

Read more: Social debit cards

Available types of cards

The range of the credit institution in question includes two types of debit cards that can be used to receive pension payments:

1. MasterCard "Active Age".
2. Pension card "MIR".

Among the features of MIR cards, it is important to note that it is issued completely free of charge, and you will not have to pay a service fee for its use.
In addition, you will not be charged any fees when you top up your balance or withdraw cash. You can also receive statements from your card account without having to pay for this service. An important advantage of the card in question is that additional income in the amount of 3.5% per year is accrued on the account balance. MasterCard cards have all the advantages of MIR payment system cards, and also provide a number of additional advantages, including:

1. Possibility to purchase trips to various countries at lower prices.
2. Opportunity to take part in themed sales.
3. Also, if necessary, holders of such cards can take advantage of video courses completely free of charge.

When transferring your pension to a card, you must remember that the time frame for receiving your pension on the card and at the post office may differ. This difference is due to the fact that the pension fund tries to ensure an even distribution of available funds. Because of this feature, when transferring your pension to a card, you can receive pension payments both earlier and later than at the post office.

In order to obtain information about exactly when pension payments will arrive on your card, you can contact the Sberbank contact center or contact a branch of this credit institution.

When is a pension transferred to a Sberbank card?

The time you receive money by mail and the time it takes for your pension to be credited to your card may vary. This is explained by the fact that the Pension Fund needs to distribute funds evenly. There may also be differences in payment terms depending on the region.

More detailed information about when the pension will be credited to your card can be obtained through the regional offices of Sberbank or by calling the hotline.

Read more: What types of financial services does Sberbank offer

Registration of a pension at a Sberbank branch

The easiest way to apply for a pension on a Sberbank card is to contact the office yourself. To do this you need to take the following steps:

1. Visit your nearest Sberbank office.
2. Present the required package of documents.
3. Write a corresponding statement.
4. Expect the production of the World map. Information that it can be picked up will come via SMS notification. This usually takes from 2 days to 2 weeks.
5. Visit the office to pick up the card and its details.
6. Provide these details through the MFC or the Pension Fund so that pension payments are made to her.

Convenient translation methods

There are two main ways to transfer a pension to a Sberbank card - through the government services portal or through a multifunctional center.

Through "State Services"

To transfer using this method, you first need to register on the government services portal and confirm your account. You can also do this through a representative office.

Direct transfer of pension to the card is carried out as follows:

1. You need to log in to the portal and open the “Pension Delivery” section. Read the information and click on “Get a service”.
2. A page will open where you need to select the type of application: independently or through a representative, and also indicate information about the applicant.
3. Next, you need to provide information about your place of birth and residence.
4. Indicate your place of temporary stay (if you have temporary registration) and your actual place of residence.
5. Enter information about the document that serves as proof of your identity or the identity of the applicant.
6. Provide information about pension delivery through Sberbank.
7. Enter the full name of the bank and the required structural unit.
8. Write your account number.
9. Select the territorial body of the Pension Fund to which the application regarding the transfer of the pension should be addressed.

Read more: How to link a Sberbank card to your phone

At the end, you need to agree to the conditions and click on the “Submit Application” button.

Important!

To re-register a pension on a card through Gosuslugi, you must present the original passport to the Pension Fund. If there is a representative, a power of attorney will be required.

Through MFC

If you need to transfer your pension to a Sberbank card through a multifunctional center, you must present:

1. An application in accordance with the prescribed form that must be filled out. It can be found on the Internet or obtained from an MFC employee.
2. Passport of a citizen of the Russian Federation.
3. In the absence of permanent registration - a certificate of temporary registration.

After submitting documents to the multifunctional center, the pensioner will receive a notification receipt from the employee. Its number can be used to track the status of the request.

Attention!

During the first three days after submitting the application, the Pension Fund will add new information to the pensioner’s file.

The method of receiving pension funds will be changed from the first day of the month beginning after the month of application.

Read more: Debit cards of Sberbank of Russia

Applying for a pension on a card through Sberbank Online

If you don’t want to go to the bank’s office yourself, you can submit an application online on the Sberbank Online website. Just follow these steps:

1. Go to the website www.sberbank.ru.
2. Log in by entering your login and password.
3. At the top of the screen, select the "Other" category.
4. In the menu that appears, click “Pension programs”.
5. The page “Receive a pension from Sberbank” will open.
6. Click on the “Apply” line and confirm that you are a pensioner by clicking the appropriate button.
7. Next, click Apply for pension.
8. Fill out your details and submit for review.
9. The application must be confirmed through State Services.

If all the information in the form is correct, the pension will be transferred to your Sberbank card.

How to transfer from a post office to a card

Often pensioners who are tired of visiting the post office and standing in lines to get money want to transfer their pension to a Sberbank card. In order to receive payments through the bank in the future, you must apply for a pension card. In this case, the algorithm will be as follows:

1. You need to prepare documents: passport, SNILS, pension certificate.
2. Fill out an application for a card and submit an application for banking services.
3. Select a service package. This could be mobile and online banking, receiving SMS notifications, and so on.
4. Get a card.

You need to obtain personal account details from the employee, and then visit the Pension Fund branch with your passport. In order to receive your pension on the card in the future, you must fill out a special application specifying the details.

After these actions, the citizen will still receive a pension in the previous way, but from the second month the money will be credited to the card.

Problems with receiving a pension on the card

Difficulties in using plastic usually arise when receiving it for the first time. With experience there are noticeably fewer of them. We list the main ones and their solutions:

When are payments made?

The pension is transferred to the Sberbank card before the 15th of each month. You can spend or withdraw them partially or completely at any time from the moment of receipt. Find out the exact date of payments from the Pension Fund at the local level. The organization draws up a schedule at its discretion, taking into account workload. A delay of up to 3 days is allowed.

Why didn't they transfer?

A pension not credited to the card is rare. The problem is more common when you first receive it. The reason may be inaccuracies in the preparation of documents. One incorrectly specified character in the details prevents the system from recognizing the recipient.

Minor delays occur during indexing, as well as when the delivery day coincides with a weekend or holiday.

If you have no money for more than a week, you should contact Sberbank and make sure that there are no charges to the plastic card holder’s account. Ask the employee to issue an account statement and print out the details.

Try getting advice from the Pension Fund by phone. If it is impossible to resolve it remotely, please contact us with the details and statement in person. The sender is obliged to find the translation. If it was not sent, they must explain to you what the obstacle is and how to correct the situation.

Is it possible to receive a pension on a card of another bank other than Sberbank?

Yes. The pensioner independently chooses a credit institution. The main condition is an account that is fully serviced without the participation of foreign companies. Currently, only MIR cards meet this requirement.

Sberbank occupies a leading position for several reasons:

• tradition;
• the widest network of ATMs and branches, most citizens have them within walking distance;
• low commissions for non-cash transfer services, often they are absent;
• mass distribution, transfers between individuals have become as accessible as possible, because almost everyone has a mobile Sberbank.

Pension cards are offered by many banks: VTB, Otkritie, Sovcom, B&N Bank, Rosselkhozbank and others. Rate for yourself:

• benefits in the form of interest on the balance;
• address of the nearest branch, ATM;
• service tariffs, commissions for services that you are used to using; this could be transfers, payment of utilities, taxes, etc.

Is it possible to return receiving a pension back to the old ways?

Yes. It is enough to notify the Pension Fund of your desire. Submit your application remotely through State Services or in person at the MFC, Pension Fund or Sberbank. You need a passport and SNILS with you. Re-registration to a savings account will require details.

If the pension was delivered by the postman

Any pensioner can determine the method of receiving payments and change it at any time. Receiving your pension through the postman may become inconvenient at some point. Then you can open an account with Sberbank and subsequently receive money on your card.

You can change the delivery method through Gosuslugi, MFC, and also through the Pension Fund. On the latter’s website, pensioners have a “Personal Account” where they can log in and fill out an application. In the future, the pension will be credited to the card.

Terms for consideration of application and transfer

As soon as the pensioner or his representative has visited the branch of the pension fund, the application is considered submitted. However, it should be taken into account that the pension will begin to arrive on the card no earlier than the 1st day of the month following the month of filing the application.

Thus, if the application was submitted after the pension had already been received in the current period, then the next payment will be credited to the card. If the documents were sent before the next payment, then it will be made via mail, but next month the pensioner will receive his money on the card.

Reference! The date of receipt of the pension does not change depending on the method of its delivery.

Acceleration of submission of documents to the Pension Fund of Russia

Re-registering a pension on a card requires time. This cannot be done completely remotely; moreover, you need to wait until the application is approved. Often pensioners are outraged by this, and they are looking for a way to speed up the progress of document verification and other stages.

You can speed up the registration process like this:

1. Visit the Pension Fund website and open the electronic services section.
2. Fill out an application for an appointment, confirm your contacts and other data.
3. Select the visit date that suits you and submit the form for review.

This procedure makes it possible to simplify and speed up the preparation of documents. Through the PF website, you can apply to change the method of charging money at any time.

Advantages and disadvantages

Transferring a pension to a Sberbank card can bring a lot of benefits to a pensioner:

1. Sberbank is a state bank with a large network that guarantees reliability to its clients. Its fulfillment of obligations to clients is guaranteed by the state. The risks of the bank going bankrupt are minimal.
2. The bank has a wide network of branches and ATMs. You can withdraw cash from your card at any ATM without commission. It can be used both in Russia and abroad. The Sberbank ATM network is one of the largest in the world.
3. The institution actively uses the most advanced technologies. Cardholders have access to full-fledged Internet banking, through which all basic financial transactions can be carried out remotely. You can also control your accounts via your smartphone using a mobile application. The functionality of ATMs is also very wide.
4. There are additional benefits for retirees. Cards are issued and serviced completely free of charge. If you keep funds on your card account, they will earn additional interest. During the first two months, you can use the SMS notification service for free. In the future, its cost will be symbolic and amount to only 30 rubles per month.
5. There is no need to visit the post office, which saves time. In addition, you should not be afraid that you will receive counterfeit bills or the postman will make a mistake with delivery. You will be informed about the accrual of funds instantly via SMS.
6. Even if you lose your card, you will not lose money. They are, in fact, in a bank account, and the card is only a tool for accessing them. The card is protected by a PIN code known only to the holder. Even if it is lost, fraudsters will not be able to access your funds.
7. Paying for purchases with a card is much easier and faster than cash. If the amount is small, it is usually enough just to touch it to the terminal.
8. Additional bonuses are provided for pensioners. These include the “Thank you” program from Sberbank, according to which you can receive points for purchases and subsequently spend them at your own discretion.

You should also note some disadvantages of transferring funds to a card:

1. The most common problem is that advanced technology can be difficult for retirees to understand. But using a card and an ATM is quite simple, and Sberbank’s Internet and mobile banking only makes it easier to control your own funds.
2. You can lose the card and then you will have to restore it. In addition, if you forget your PIN, you may lose access to your money for some time.
3. It happens that there is no money in the nearest ATM or the terminal does not work.

Of course, all the disadvantages of the card are very conditional and appear no more often than the disadvantages of cash. Each pensioner decides for himself how to receive his pension, but an increasing number of them choose credits to the card, appreciating the advantages and convenience of this option.

Funds transfer process

Every pensioner has the right to receive monthly payments to a Sberbank card (hereinafter referred to as BC). For this purpose, a special bookmaker called “Social” was developed - payments are made without commission.

To transfer funds to a bookmaker, a citizen must visit a Sberbank branch and order a bookmaker. You need to have your passport details and pensioner's ID with you.

In the banking structure, an elderly person fills out a corresponding application. After signing all the documentation, the bank employee gives the pensioner a form with account details.

The commission for opening a bookmaker is 10 rubles. Card maintenance costs 30 rubles per month, with no charge for the first 90 days.

Production time for BC is 2 weeks. After 14 days, an elderly person comes to the bank to receive a BC. In addition, the citizen receives an envelope with a PIN code.

It is important to know! How is the northern pension formed?

The next step is to contact the Pension Fund. When visiting the fund, you should fill out 2 forms. One sample is stored in the Pension Fund of Russia, the other (certified) is kept by an elderly person. The form should include the following information: full name of the applicant; bank name and BC details.

The card is issued for a period of 3 years. Pension Fund employees notify the pensioner by telephone about the need to obtain a new card.

The forms should be accompanied by a copy of your work record book and a certificate of opening a bank account. The PRF reviews the documentation within 10 days. Payments are made starting next month.

It is worth highlighting the advantages of transferring pension payments to a bookmaker:

1. Issuance of pensions at any convenient time of the day.
2. Transfer of contributions to another Sberbank bookmaker in a few minutes.
3. Payment in many stores and institutions.
4. To withdraw funds you will need only 2-3 steps. For the first time, it is better to withdraw your pension from a bank, where employees can help in obtaining funds.

1. In case of loss, the bookmaker can be blocked by calling the toll-free phone number 8 800 555 5550.
2. Reliability – Sberbank is the largest in the country, so liquidation of the bank is unlikely.
3. An expanded list of options - an elderly person will be able to pay utility bills, top up their phone balance, transfer funds to another account through the Sberbank Online application.
4. Installing an additional “Thank you” program - discounted purchases of goods in pharmacies and stores.

It is important to know! How was pension formed in the Soviet Union?

Nuances and limitations

Pension card holders have the opportunity to participate in the “Thank you” program from Sberbank. In accordance with it, when paying with a card for certain goods and services, holders will receive 0.5% of the purchase price. 1 ruble discount equals 1 bonus.

If you pay by card at retail outlets that are partners of the bank, the discount can reach 20%. Bonuses can be used to pay for any goods and services.

Important!

Mir card holders may encounter some restrictions when using it abroad.

Transfer of pension to Sberbank deposit

Temporarily free money stored on a Sberbank card can be placed in deposit accounts and thereby slightly increase income. Sberbank has a deposit program for pensioners called “Pension plus of Sberbank of Russia”.

The annual rate is 3.67%. If you need to withdraw money from your account or top it up, there is no fee charged for this. The minimum minimum balance is symbolic and is ruble. The interest will be accrued every quarter and added to the deposit. Thus, the deposit increases, and accordingly, the pensioner’s profit.

Having a “Personal Account” in the Sberbank Online system, you can open a deposit account remotely and as quickly as possible. All transactions are carried out online.

Transferring a pension to a card is a modern option that many pensioners choose. It has a number of advantages compared to receiving money through the postman or visiting the post office in person. Sberbank offers convenient conditions for pensioners, as well as additional bonuses. The process of transferring a pension to a card is also quite simple, although it requires little time.