Pension card "MIR" from Rosselkhozbank. The Rosselkhozbank pension card accrues maximum interest on the balance Rosselkhozbank pension card interest how is calculated

Pensioners have already appreciated the benefits of special debit pension cards issued by banks. Pension card Rosselkhozbank is a convenient tool that makes receiving a pension as simple as possible. The Rosselkhozbank pension card combines the advantages of an electronic wallet and a bank deposit.

Money is received on the card on the same day when it is transferred to the Pension Fund.

Using the Rosselkhozbank pension card you can pay public utilities, pay for purchases in stores.

But most importantly, the Rosselkhozbank pension card brings additional income to the owner, since interest is accrued on the funds placed on it at a favorable rate.

Advantages of the Rosselkhozbank pension card

• - cards of the Classic MIR category are issued absolutely free of charge;
• - possibility of instant card issue;
• - free SMS notifications about credits to the card account;
• - the card is a convenient means for making purchases and payments;
• - cash withdrawal Money no commission at any ATM of Rosselkhozbank JSC and partner banks.

Rosselkhozbank pension card: interest rate 2019

The Rosselkhozbank pension card in 2019 allows you to receive additional income of up to 6 percent per annum in rubles. However, you must remember the terms for calculating interest.

Basic interest

Accrued if the actual balance on the card account (taking into account the write-off of all commissions provided for in the tariff plan) is the following amounts:

Additional interest

Accrued if the minimum balance on the card account (taking into account the write-off of all commissions provided for in the tariff plan) during the month is the following amounts:

It turns out that maximum bet can be obtained if more than 500,000 rubles are on the card within a month.

• See also the conditions for calculating interest on Sberbank pension cards

Rosselkhozbank pension card: conditions for registration

Today, pensioners can apply for a choice from Rosselkhozbank: “MIR Card of instant issue” or “ Classic card WORLD".

You can apply for a Rosselkhozbank pension card individuals– citizens of Russia over the age of 18 who receive a pension for old age (including former military personnel), disability, loss of a breadwinner and other reasons.

Until the end of this year, RSHB intends to use exclusively the Mir national payment system. The Rosselkhozbank Mir pension card opens up the possibility of receiving profit - interest on the amount of the pension payment. U banking product There are pros and cons, but mostly there are many positive aspects.

Many banking users appreciate the advantages of using the Mir card. The process of receiving social benefits is simplified as much as possible. One financial product combines the advantages of a deposit and the convenience of an online wallet.

• You don’t have to wait long for your pension accrual to arrive: the money goes to your card account on the day it is transferred from the Pension Fund.
• It’s convenient to pay for utilities and purchases.
• Interest is charged on the balance on the card account.
• Free issue (possible instantaneously, for 200 rubles), contactless payment system.
• SMS notifications about enrollment and costs.
• Interest-free cash withdrawal at ATMs of Rosselkhozbank, Promsvyazbank, Alfa Bank, Raiffeisenbank, ROSBANK using MIR cards, Mastercard Worldwide.
• Participation in the “Harvest” bonus points program.

Terms of Service:

• SMS notifications - 59 rubles monthly, notifications exclusively about receipts on the Rosselkhozbank Mir card for pensioners are free;
• commission fee for cash withdrawal - 1% (from 100 rubles) at ATMs of our own and partner financial institutions, there is no commission fee;
• cash withdrawal limit: per day - 300,000 rubles, per month - 1,000,000 rubles;
• accounts are opened: in Russian currency;
• balance request at third-party ATMs banking institutions- 45 rubles, in your own - without payment.

How is interest calculated?

The World card from RSHB appeared in 2017 to improve the quality of customer service. In addition to receiving pensions and social benefits, pensioners can increase their own capital with the help of this special product. At the end of the reporting period, 7% per annum is accrued monthly on the balance on the Mir Rosselkhozbank pension card account. Additional bonus - points: 1.5 for every 100 rubles spent on the card (for non-cash payments).

What do you need to get a card?

Contact the RSHB office with an identity document, a pensioner’s ID, or another document confirming the right to receive a pension or other social benefits. An RSHB employee will advise you and help you enter information into the application for accrual of pension payments to the card. The applicant should submit an application to the PF office.

The right to receive plastic under the terms of the Pension TP is given to Russian individuals (age minimum - 18 years) who receive an old-age pension (including former military personnel) on the basis of Russian legislation, or other social financial assistance (for child care, unemployment, loss breadwinner, temporary disability (exception - scholarships)). The Mir Rosselkhozbank pension card is issued under the following conditions:

• civil passport or other identification document of the applicant;
• applications for registration of “plastic” in accordance with the TP “Pension”;
• pensioner's certificate/document confirming the fact of receiving assistance from the state.

How to refuse to use the Mir card? Contact the RSHB contact center at toll free phone 8 800 100 0 100 or to any office of this bank.

What card will they issue?

In the Russian Agricultural Bank, pension “plastic” is issued in the following options: Mastercard - Instant Issue, Country, Standard, according to the MIR payment system. The card issuance is free if the user receives the MasterCard Country category option. The cards are similar in key characteristics. Interest will be accrued on the card account balance in any case. The main differences lie in the validity period - 2 or 3 years. The conditions of payment systems vary - MIR or Mastercard.

Conclusion

Loyal, simple conditions for receipt and use make the pension card an assistant for non-cash financial transactions. There are almost no maintenance costs. The percentage incentive accrued on the card balance will serve as an auxiliary incentive for registration.

The Rosselkhozbank Mir pension card is a special product for servicing pension recipients on loyal terms. The holder is offered special conditions, auxiliary advantages, the holder is not limited in the possibilities of managing his money. There is no opportunity or desire to make a request for a card yourself? You can always contact bank managers for help by phone or email.

The Rosselkhozbank pension card is a special product for servicing pensioners on special favorable conditions. By issuing such a card, a pensioner receives special conditions of service and additional benefits, while the client is not limited in his ability to manage his own funds.

Obtaining a pension card from Rosselkhozbank

After presenting documents proving your identity and the fact that you have received a pension, you will need to write an application to issue a pension card at Rosselkhozbank. The conditions for obtaining a card are quite simple: a written application serves as the basis for concluding an agreement and issuing a card.

After this, the owner of the Pension Card informs the Pension Fund of his desire to receive a pension on the Rosselkhozbank card and provides the data necessary for this.

Card category

At Rosselkhozbank, a pension card can be issued in the following options:

• By payment MasterCard system Instant Issue, MasterCard Country;
• By MasterCard Standard payment system;
• According to the MIR payment system.

Apply for a Rosselkhozbank Pension Card for free and receive 7% per annum on your cash balance

In terms of key characteristics, these cards do not differ from each other. For example, regardless of which particular Rosselkhozbank Pension Card was issued, interest is accrued on the account balance. The main differences: the validity period is 2 or 3 years, and the conditions of the payment systems themselves - MIR or MasterCard - will be different.

Terms and annual interest on balance

Rosselkhozbank accrues 7% per annum on the balance of funds on the Pension Card current account. Another advantage will be the crediting of bonus points - 1.5 for every 100 rubles spent from the card. by bank transfer.

The terms of service are as follows:

• The cost of SMS notification is 59 rubles/month;
• SMS notification only about receipts is free;
• Commission for receiving cash in the amount of 1% (minimum 100 rubles) - only at ATMs of third-party banks, at their own banks and at partner banks (Alfa-Bank, Raiffeisenbank, Promsvyazbank, Rosbank) there is no commission;
• Withdrawal limit: daily – 300 thousand rubles, monthly – 1 million rubles;
• Requesting a balance at ATMs of third-party banks costs 45 rubles, at your own – free.

Product benefits

Benefits include:

• Calculation of interest on the balance of funds on the current account;
• Free opening and maintenance (except MasterCard cards Standard – 200 rub.);
• Participation in the Harvest bonus program;
• No commission for withdrawing funds from ATMs of Rosselkhozbank and ATMs of partner banks.

Conclusion

The most loyal and simple conditions make the Rosselkhozbank Pension Card a convenient and profitable tool for non-cash transactions. There are virtually no costs associated with card servicing. Interest on the balance will be an additional argument in favor of the card.

Rosselkhozbank offers a lot of plastic products for a wide variety of purposes. He was also one of the first to start issuing MIR cards. About what type of MIR Rosselkhozbank products there are and how to apply for a national pension card payment system, we will tell you further.

How to apply for a Mir Rosselzozbank pension card?

Obtaining such plastic is available if the following requirements are met:

• Russian passport;
• residence in Russia;
• availability of a Russian passport with a stamp confirming permanent registration;
• the potential client must receive a labor pension or disability payments.

You can apply for a MIR card at the Rosselkhozbank branch closest to your place of residence.

A preliminary application can be submitted through the company’s official website. In the form you must indicate:

• preferred region for receiving the card in hand (select from the list provided);
• card type (pension) and payment system (MIR);
• surname, first name, patronymic;
• date of birth;
• mobile number;
• email address (the field is optional);
• in the “Comment” section, indicate a convenient time for contact and other information that you consider important.

After you send your application to the bank for consideration, expect a call from a representative of the organization. Review period is 1-3 days.

Terms of Use

The conditions for using the Rosselkhozbank MIR pension card are as follows:

• validity payment card- 3 years;
• cost of issue – 0 rub.;
• There is no service fee;
• fee for servicing an additional card – 200 rubles. in year;
• The minimum amount on the account is 0 rubles, if there are no plastic transactions for more than a year - 100 rubles.

When connecting “Autopayment” to pay for housing and communal services or other services, no commission is also charged. However, the minimum transfer amount is at least 50 rubles.

The MIR pension card of Rosselkhozbank assumes the accrual of interest on the balance own funds at a rate of 4%. In this case, the amount on the card should not fall below 100 rubles.

There is no commission charged for replenishing your MIR pension card account through ATMs/terminals of Rosselkhozbank. There is also no tax when cashing out plastic in “native” payment devices.

If withdrawal of funds is carried out through ATMs of third-party financial organizations, the commission will be 1% of the amount.

Advantages and disadvantages

Clients who use MIR plastic products from Rosselkhozbank say that the pension card has both negative and positive characteristics. The advantages include:

• simplicity of design;
• free release and maintenance;
• no commission when withdrawing and transferring money at “native” ATMs;
• reliability and safety during use;
• the opportunity to receive interest on the account balance.

Among the disadvantages is the inability to use the card abroad, since it is impossible to issue an additional co-branding card.

Comparison with Sberbank MIR pension card

Many senior citizens wonder what's at stake financial organization It’s best to register your pension payments. In this case, the choice most often is between Sberbank products

So, let's conduct comparative analysis MIR pension cards of these structures:

Pension payments are supported by a variety of government programs that provide Better conditions for pensioners. The Rosselkhozbank pension card is a new solution that has a number of advantages over competing cards. When developing the map, the current public policy to transfer all state employees and pensioners to the Mir payment system.

However, since other solutions can be used until 2020, pensioners can apply for the following types of cards:

• MasterCard Country;
• MasterCard Standard;

The first 2 options will be optimal if you often travel abroad. Their validity period is 2 years. Banking system MIR has limited payment options abroad, but offers more profitable solutions for Russian residents than its foreign counterparts. The Mir card will be active for 3 years after its issuance.

To receive a card, you need to contact the nearest customer service department of Rosselkhozbank and write an application in the prescribed form. A specialist will provide a free consultation and tell you clearly about the included services.

If you meet the bank’s requirements and it confirms the issuance of the card, you must contact the Pension Fund and inform about your desire to switch to the service of another bank. This is a mandatory procedure, without which the calculation of pensions on new map will be unavailable.

Rosselkhozbank pension card: interest

Rosselkhozbank "Pension card": conditions, interest rate and additional opportunities - a pressing issue that we will consider in this paragraph. Money is credited to the card immediately after it is received in Pension Fund. By connecting modern system SMS alerts, you will be promptly informed about charges to your balance and other financial transactions.

The key advantages of this card include:

• free issue and further servicing when using the Mir payment system;
• the ability to withdraw funds without commission at the ATM of Rosselkhozbank and issuing banks;
• additional passive income, thanks to monthly interest accrual at a favorable rate;
• accrual of special bonus points for non-cash payments for every 100 rubles.
• the opportunity to participate in various bonus programs, including Harvest.

In comparison with the basic pension solution from Sberbank Mir, this card offers up to 6% annual interest by the balance on the card.

This solution currently has no analogues among other competing banks.

Now the question arises: “Pension card of Rosselkhozbank, how is interest calculated?” Additional funds are credited monthly, depending on the current balance. It is noteworthy that you can also top up the balance of this card yourself. This solution has already received positive reviews recommending Rosselkhozbank for everyday use.

There are additional requirements when working with the card:

• SMS notification only about balance receipts is free, additional messages cost 49 rubles per month;
• daily limit on withdrawals – 300 thousand rubles;
• monthly withdrawal limit – 1 million rubles;
• viewing the balance at a third-party ATM will cost 45 rubles, the commission on withdrawals is 1% when minimum amount at 100 rubles.

Before using the services of Rosselkhozbank, explore the possibility of stable withdrawals and the availability of ATMs nearby with no commission.