The new MIR payment system was introduced in Russia in 2015, and at the moment more than 4 million plastic cards of this type have already been issued in the country. Until 2020, it is planned to transfer all social payments, including the pensions of citizens, completely to the MIR payment type. What kind of card it is, what banking structures issue it, how to issue this plastic, its cost, as well as what pluses and minuses it has - read about all this below.
MIR is a new national payment system developed by the Central Bank of Russia in 2014. This is an exclusively Russian product, the state of which is not influenced by international factors. The card is designed specifically for calculating all payments to state employees on it.
This year, the following types of MIR cards from Sberbank are presented:
Currently, MIR plastic products are produced by more than 59 Russian banks. You can cash out the card at any Russian ATM, since everyone already accepts them and is equipped with a special MIR logo.
Today, a domestic social card can be issued in most financial organizations of the country, as:
True, most banks still issue a MIR card only of a debit type. But Sberbank promises to start issuing credit cards in the near future.
Today Sberbank of Russia issues MIR debit cards, classic, gold, instant and pension cards.
Plastic card Mir Sberbank for pensioners provided on the following terms:
Additional advantages of Sberbank MIR pension cards are the ability to connect a bonus program. So, when paying by card, the bank charges 0.5% of the check amount, regardless of where the payment was made. When paying with a card from partners of the Spasibo project Sberbank, you can get up to 20% of the check amount to the bonus account.
Also, MIR cardholders can connect such an option as Mobile Banking and receive SMS notifications about all operations made from the card and receipts to the balance.
Setting up the Autopayment service for Sberbank MIR pension card holders is free, as is registration in the Sberbank Online personal account. The plastic is also equipped with an electronic chip and has 3D-secure protection, so transfers from and to it through various Internet platforms like Tinkoff are possible without restrictions.
The MIR card from Sberbank for pensioners is issued and serviced free of charge during the entire period of validity.
As for a classic debit card of a similar payment type, the holder will have to pay 750 rubles for the first 12 months of use. In subsequent years, the operating price will be 450 rubles per year.
If it is a MIR gold card, the annual service cost will be 3000 for each year (valid for 5 years) and 2500 if it is an additional card.
By the way, it is not possible to issue an additional MIR card to the main pension card at Sberbank.
You can withdraw money from the MIR pension card through ATMs of Sberbank or other banks and the bank's cash desks. The daily limit for cash withdrawals through an ATM is 150,000 rubles, while no commission is charged, but it is impossible to exceed this amount. The device will give an error, and the card may be blocked by the bank for security purposes.
To withdraw an amount exceeding 150,000 rubles from a MIR pension card within 24 hours, you need to contact a bank branch. Show the employee your passport and plastic. be prepared to pay a commission of 0.5% for an amount in excess of 150 thousand rubles.
Up to 1.5 million rubles can be withdrawn in cash per month without commission.
To apply for a MIR pension card, you must personally appear at any branch of the bank. You must bring a standard set of documents with you:
The application form is filled out in the bank itself in the presence of a representative of the financial institution. You can also apply for a MIR pension card remotely by filling out a form on the bank's official website:
Only one MIR pension card can be issued. You can pick up the finished plastic product at the Sberbank branch, you must have not only a Russian passport, but also SNILS in order to issue a pension for this plastic product (a statement is written on the bank's letterhead).
If there is a need to receive pension payments to the card of another bank (remember that according to the amendments to the draft law 161-FZ "On the National Payment System" all payments to state employees on MIR cards), you need to write a statement at the Sberbank branch about the refusal from further pension accrual on the specified plastic. At the bank where you plan to order a new MIR card, an application is written to receive payments to a new account.
The Mir card from Sberbank for pensioners has both its pros and cons. The advantages of social plastic include:
Cons of the MIR card:
However, according to representatives of the Central Bank, the MIR payment system is still in the process of being finalized and over time the system's shortcomings will be eliminated.
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Until now, Russia did not have its own payment system, unlike other countries, such as Japan, America, China. In this regard, plastic cards were previously issued using international payment systems, mainly VISA and MasterCard. Accordingly, all monetary transactions, including those carried out on the territory of Russia, passed through centers located abroad.
The situation changed dramatically in the spring of 2014 due to a change in the foreign policy situation. The legislative basis for the creation of national payment system allowed the President of Russia to order its early implementation.
The transition to the new system takes place in the most comfortable conditions for the population, making it almost invisible.
The essence of the changes is as follows:
Thus, the scale of the tasks set in connection with the transition to a new payment system requires additional costs from banks. Nevertheless, the state expresses its preference for this project and is ready to cooperate with banks, providing them with any support in this matter. Despite this, the new system will develop in a healthy competition.
To date, specific terms have been approved for transferring payments from the budget to the new card for the citizens of our country.
The relevance of creating a new payment system in Russia is based on the principles:
The reason for the introduction of the new payment card system was the blocking of non-cash payments by a number of Russian banks serviced by such international payment systems as VISA and MasterCard to Russian customers as a result of the US sanctions against the Russian Federation. As a result March 1, 2014 the president of the Russian Federation was approved the creation of a national payment system.
Although, in fact, the development of such a system began much earlier. Back in 2011, the government adopted a number of decisions to create a multifunctional electronic card without the participation of international payment systems. The procedure for making payments and the organization of the payment system as a whole are reflected in the adopted Law No. 161-FZ of June 27, 2011. "On the national payment system".
The new payment system is recognized as significant according to the criteria of the Bank of Russia (Article 22 of the Federal Law No. 161 of June 27, 2011) and mandatory for implementation (clauses 5, 6, Article 30.5 of the Federal Law No. 161).
Therefore, in order to receive payments from the budget, mandatory issue national card. Payments will be transferred to such a card:
Moreover, the latest version of the bill provides for three stages such transition:
It is worth noting that already since 2015, money circulation within our country for all plastic cards has been conducted through the national payment card system.
The Mir payment system is a national Russian payment system, the operator of which is the National System of Payment Cards JSC, owned by the Central Bank of the Russian Federation. The name and logo of this system were approved in the spring of 2015, and by the end of the year the first plastic cards in corporate colors were issued - combination of blue and green.
It is important that the maximum distribution of Mir plastic cards on the territory of our country will not limit the exit of this payment system outside the Russian Federation, but will facilitate their entry to the world level.
So, thanks to the agreements reached in the new system, two applications:
As a result, cards issued together with world payment systems MasterCard, Japan Credit Bureau and American Express will operate in Russia in accordance with the accepted Mir system, and abroad - in accordance with the rules of a different system, respectively. Thus, information about all monetary transactions made within our country will not go abroad.
Bank Russia, RNKB, Gazprombank, Alfabank, VTB 24, Sberbank were among the first banks to become members of the national payment system and start issuing new plastic cards. Currently, there are 202 of them. The new Mir card is accepted by more than 75% of terminals and 97% of ATMs.
The Mir payment card meets all the requirements of both Russian and international standards. However, she has and a few differences:
The tariffs of the new card will meet the needs of ordinary citizens, first of all. Submitted by several types such a map:
The national payment card, which is an independent payment system, was created taking into account the needs and characteristics of the financial market in Russia, has a high degree of security and ensures the independence of monetary transactions from external economic and political factors.
Unlike employees of budgetary organizations, the transfer of pensioners to Mir cards is provided in a smoother mode and will last some years until July 1, 2020.
Due to such a gradual transition several factors:
Thus, the transfer of pensioners to the new cards will take place with maximum convenience, making it almost invisible to individuals.
In general, on the map "World" no different from transfers made earlier to other plastic cards. As before, in order to change the method of payment, a pensioner must apply to the territorial body of the Pension Fund of Russia at the location of the payment case and submit the account number for transferring money, reflecting it in a written application.
The gradual transfer to new cards implies certain timing carrying out such work:
This summer, the cards will begin to be issued to pensioners who are making out pension payments for the first time.
This time will be required for current pensioners to replace the plastic cards already issued to them at the end of their validity with new ones, payments on which will take place in the new Mir payment system.
Banks will issue a new card to all pensioners who have written an application for issuing it for the transfer of pension payments. It is planned that such cards will be released into circulation, as now, with zero opening and maintenance costs.
It is important that no changes will affect pension transfers and will not lead to disruptions in their payment.
The main qualities of the new payment system, which will certainly be appreciated by representatives of the older generation, are:
It should be especially noted that choice in favor of translation pensions on a new plastic card "Mir" entirely depends on the pensioner... As before, senior citizens have the opportunity to receive compensation payments through post offices, including at home, which is especially important for people with disabilities.
On the issue of calculating interest on the balance of funds on the card, it is worth noting that in different banks this indicator will be various depending on the conditions offered by this or that bank.
For example, the Russian National Commercial Bank (RNKB) in Crimea provides 4.5% on the balance on the Mir pension card, while Sberbank charges 3.5% on a similar card product. Other banks provide interest in accordance with a similar product that they had before the introduction of the new payment system.
The interest accrued on the balance of money for other types of bank cards is usually much lower than for a pension card.
The area of application of the new card is quite extensive. The main directions of its use are:
Among the most famous chains that accept new plastic cards for payment are Auchan, Metro Cash and Carry, Ikea, McDonald's, the Sportmaster chain of stores, Yves Rocher, L'Etoile, Il de Bote, Rosneft, Lukoil. More program participants can be found on the Internet resources.
In addition, you can pay with a new pension card outside Russia... For this, Russian banks issue, together with international payment systems, such cards as Mir-Maestro and Mir-JCB.
The Mir pension card in Sberbank is a banking product for pensioners who receive payments from the Pension Fund and have chosen the appropriate method of transferring them. The presence of such a card opens up the possibility of additional banking services:
Features of this product are:
To obtain this card, a citizen who has the right to receive a pension must contact the nearest Sberbank office with a passport and write an application form.
Sberbank pension cards of MIR and MasterCard payment systems
Since November 3, 2016, Sberbank of Russia has been issuing Mir pension cards. So far Sberbank is issuing two types of pension cards. Pension cards are intended for receiving pensions using various opportunities for active life of pensioners.
In addition, Sberbank informed its customers that starting from May 1, 2017, the issuance of new Maestro bank cards, the Active Age pension of the MasterCard payment system will cease.
So, for some time, Sberbank will serve two types of pension cards, namely:
1. Pension card of the payment system MIR - MIR Pension.
Photo card MIR Pension
Maestro card photo Active age
Sberbank's pension cards provide the client with access to a whole range of banking services, including:
Registration of a pension card allows pensioners to profitably keep their pension funds and savings. For the "Mir" Pension Card and the Maestro Pension Card of Active Age, Sberbank charges the same interest on the balance of funds stored in accounts. So, the conditions for calculating interest are as follows:
* Interest is calculated at the end of each three-month period, starting from the date of opening the card account, and is added to the deposit.
| №№ | Conditions and parameters of cards / Type of pension card | Pension card MIR | Pension MasterCard Active age |
|---|---|---|---|
| 1. | Payment system | PEACE | MasterCard |
| 2. | Card account currency | rubles | rubles |
| 3. | Card expiry date | 5 years | 5 years |
| 4. | Territory of use | RF | RF |
| 5. | Service cost | is free | is free |
| 6. | Preferential mobile bank | The first 2 months. free, then 30r per month. | The first 2 months. free, then 30r per month. |
| 7. | Electronic chip protection | Yes | Yes |
| 8. | Registration of additional cards | No | Yes |
| 9. | Setting the overdraft limit | No | No |
| 10. | Bonus program "Thank you from Sberbank" | Yes | Yes |
| 11. | Contactless payments | No | Yes |
| №№ | MIR Pension debit card | Maestro debit card Active age |
|
|---|---|---|---|
| 1. | Monthly limit for issuing cash on the card account through cash desks and ATMs of the Bank | RUB 500,000 | RUB 500,000 |
| 2. | Daily limit for cash withdrawal at the cash desks of the Bank | RUB 50,000 | RUB 50,000 |
| 3. | The daily limit for cash withdrawal at the cash desks of subsidiary banks / other credit institutions | absent | absent |
| 4. | Daily limit for cash withdrawal from ATMs of the Bank | RUB 50,000 | RUB 50,000 |
| 5. | Daily limit for cash withdrawal from ATMs of subsidiary banks / other credit institutions | RUB 50,000 | RUB 50,000 |
| 6. | The daily limit for the issuance of funds without using a card through the cash desks of territorial banks not at the place of maintaining the account | RUB 50,000 | RUB 50,000 |
| 7. | Limit on operations for accepting cash for crediting through ROC per day | RUB 10,000,000 | RUB 10,000,000 |
| 8. | Limit on transactions of payment for goods and services per day | Not provided | Not provided |
The MIR pension card is issued if the client meets the following requirements of Sberbank:
What should a client do in order to issue a Sberbank MIR pension card and receive a pension on it? To apply for a pension card, you must:
Together with the card, the bank's client is issued a sealed envelope with a personal identification number (PIN code), which is used when conducting transactions at ATMs, in banking institutions using electronic terminals, and can also be used when paying for goods and services at trade and service points.
Upon the expiration of each five-year validity period, the card becomes invalid and the bank has the right to automatically reissue it, but on one condition - the client did not notify the Bank 60 calendar days before the expiration of the Card about the refusal to use it in the future.
Clients need to contact Sberbank in a timely manner to return an expired card and receive a new pension card issued for a new validity period of 5 years.
Early reissue of the Card, i.e. the issuance of a new card before the expiration of the term indicated on the current card is carried out by Sberbank only upon the submission of a written application by the Client to the Bank.
Pensioners who hold a Sberbank-Maestro "Social" card of the MasterCard payment system, upon the expiration of the three-year period established on it, will be able to receive a new pension card only from the Mir payment system. Since May 1, 2017, Sberbank has discontinued the new issue of Maestro-Pension "Active Age" bank cards of the MasterCard payment system.
This replacement is made in order to ensure the strategic security of the financial and credit system of Russia and its protection from external influences. As an example of external influence, this is the refusal of the American systems Visa and MasterCard, operating in the financial market of Russia, to service the cards issued by them from banks that have come under unilateral US sanctions. That is, both Visa and MasterCard, having violated agreements with Russian banks, joined the sanctions, blocking from March 2014 the operation of cards of Bank Rossiya, SMP Bank, Sobinbank and Investkapitalbank.
To exclude such facts, the Bank of Russia introduced amendments and additions to the Federal Law "On the National Payment System" to the State Duma, and on 01.05.2017 the President of Russia signed Federal Law No. 88-FZ "On Amendments to Article 16-1 of the Law of the Russian Federation" On consumer protection "and the Federal Law" On the National Payment System ".
Law No. 88-FZ of May 1, 2017 provides for a phased transfer of pensioners to Mir payment cards, for which:
The Maestro social card is an entry-level card and, by issuing it, Sberbank sought to increase the number of its customers and gradually attract citizens of retirement age to use bank cards, thereby covering a new fairly wide segment of the population. It is simple and easy to use, despite the fact that it has some limitations.
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It should be noted that social cards for the population were developed and issued by Sberbank for the following purposes:
Social cards are not much different from other debit cards issued by Sberbank. However, each banking product has its own advantages and disadvantages.
Maestro plastic cards provide the following options:
The Sberbank-Maestro "Social" card can be obtained by citizens who receive a pension upon reaching the appropriate age, either due to the loss of a breadwinner, or due to disability and who have permanent registration in the territory of the Russian Federation. 
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The Maestro social card has some limitations:
This card is intended for pensioners, therefore, the disadvantages described above are not as significant for them as for young people and middle-aged citizens. Many people in old age are unlikely to make purchases via the Internet, especially in other currencies, and besides, few of them continue to work. The main advantages of the card for pensioners are its free service, the accrual of interest on the balance at an increased rate, the ability to issue an additional card for relatives at reduced service rates, the ability to track card transactions through the Mobile Bank and the ability to carry out non-cash payments in stores. The card is issued easily and quickly, the validity period is 3 years, it is serviced at reduced rates.
Payment system "MIR" is a Russian national payment system, created in July 2014, the main goals of which are to create security, smooth operation and availability of all modern financial services to the residents of Russia. The founder of NSPK (National System of Payment Cards JSC) is the Central Bank of the Russian Federation with an authorized capital of 500 billion rubles.
The presence of its own payment system will provide the residents of Russia with a payment instrument, the operation of which does not depend on external economic and political factors.
The first MIR cards were issued at the end of 2015, and at the beginning of 2017 62 banks joined the issue of MIR payment cards.
Sberbank began issuing bank cards of the MIR national payment system in early 2017. At the moment, the bank offers its customers two types of MIR cards - Classic debit and pension cards.
You can get a MIR card at any branch of Sberbank of Russia, unfortunately online card issuance is currently not possible. To obtain a card, you must have a permanent or temporary registration on the territory of the Russian Federation.
To obtain a classic MIR card, you need to have a passport with you, and to receive a pension card, an additional document confirming the receipt of a pension is required.
The cost of servicing the Classic MIR card in Sberbank of Russia is 750 rubles for the first year and 450 rubles starting from the second year. In addition, a mobile bank (SMS notifications) can be connected to the card, which costs another 60 rubles per month.
There is no charge for the issue and maintenance of the MIR pension (social) card. And the mobile bank service for this type of card costs 30 rubles per month.
The daily limit for free withdrawals from the card is 150,000 rubles per day for a classic card and 50,000 rubles per day for a social / pension card. For cash withdrawals over the daily limit, a commission is charged - 0.5% of the amount exceeding the limit.
The commission for withdrawing cash from a MIR card at ATMs of a third-party bank is 1% of the amount withdrawn and cannot be less than 150 rubles.
Please note that the paid mobile banking service is activated only on a voluntary basis and is not mandatory. If you want to save money, you can connect an economical mobile bank, it is free and differs from the paid one only in the absence of notifications about card transactions.
The bonus program "Thank you from Sberbank" is connected to the card, with the help of which you get 0.5% bonuses from any purchases made with the card, and up to 10% from purchases from the bank's partners.
Large withdrawal limit (150 thousand rubles per day for a classic card, and 50 thousand rubles for a social card)
The ability to receive a pension on a bank card by concluding an agreement with the Pension Fund.
A huge network of Sberbank ATMs throughout Russia.
Convenient internet bank, as well as the Sberbank Online mobile application for iOS phones (iPhone and iPad) and Android.
High degree of card protection, all MIR cards are equipped with a chip. Also, all MIR cards have MirAccept technology, which ensures the security of payments on the Internet.
The disadvantages of the MIR card include an increased service fee (for state employees, the service is free), so the cost of an annual service is 750 rubles per year (450 starting from the second year), despite the fact that many banks offer free payment cards, for example, in the same Sberbank can get a free chip.
Most terminals lack the possibility of contactless payment, since at the moment modern terminals support contactless payment methods PayWave and PayPass, and for contactless payment with a MIR card, owners of PoS terminals will have to re-equip them under the NSPK chip.
The MIR salary card can be issued to employees of any organization, both budget and commercial.
All costs associated with the maintenance and issuance of the MIR salary card to the employee are borne by the employer. Thus, for employees receiving salaries on the MIR card, the card will be absolutely free.
The State Duma approved a bill (Federal Law No. 161) obliging banks to use only MIR cards for cash payments to pensioners and employees of budgetary organizations. The entry into force of this law is planned from January 1, 2018.
In accordance with this law, it is planned to issue MIR cards to public sector employees, pensioners, students - for the subsequent transfer of wages, pensions, scholarships, benefits.
And the speaker of the State Duma Vyacheslav Volodin suggested transferring all the salary accounts of the deputies of the Russian Federation to the MIR card.
You can voluntarily refuse to receive wages on a MIR card, but in this case you will have to receive a salary through the organization's cash desk.
The MIR social card for pensioners is currently issued at will and is free of charge.
To obtain a card, you must contact any branch of Sberbank of Russia, provide an identity document (passport) and a document confirming receipt of a pension (pension certificate).
Pension card MIR has a number of advantages over the classic card:
