Possibilities of a B&N bank pension card. Binbank: interest and conditions for a pension card. Possibilities of MIR debit cards for pensioners
Updated 12/27/2017.
Many believe that pensioners are not interested in banking offers from credit institutions other than Sberbank, that they do not use Internet banking, and do not know what cashback or interbank transfer is.
However, I can say with confidence that this is not the case. I constantly receive letters from older readers asking me to help them understand various banking services, choose a card or a profitable deposit, explain in more detail how to withdraw money from cards without commission, make interbank transfers, etc.
People are often asked to tell us about profitable banking products, designed specifically for retirees.
Let's see what conditions are offered to pensioners receiving a pension on a Sberbank social card:
We see that the main advantage of Sberbank for pensioners is that the card is free, 3.5% on the balance, and the ability to withdraw cash from the bank’s numerous ATMs.
Some people think that it is only possible to receive a pension on a Sberbank card, because this National Bank, and the state issues pensions through this credit institution.
However, the pension fund can transfer pensions to other banks. Moreover, in this case, some credit organizations offer pensioners quite favorable conditions.
In order to transfer a pension to a card of another bank, sometimes it is not even necessary to go to the pension fund yourself; an application for transfer can be filled out directly at a bank branch.
Pension on the card of PJSC Sovcombank
1 Quick registration.
You need to come to a Sovcombank branch and say that you want to transfer your pension to their card. The employee will print out an application for delivery of the pension to Sovcombank. Sovcombank will send the completed form to the Pension Fund on its own.
A “My Income” account will be opened for you, and a free, unnamed MasterCard Unembossed chip card will be issued to this account. You will also receive a login and password to access the Internet bank.
2 7% on card balance.
By receiving a pension on a Sovcombank card, you become an Honorary Client of the bank. The balance on the MasterCard Unembossed card after the pension transfer is accrued at 7% per annum (Sberbank has 3.5%). Card servicing is free, SMS information is also free:
The 7% rate on the “My Income” account will be valid for 30 days from the date of each pension transfer. Those. if the pension arrives without delay, then 7% will be accrued constantly (if the pension is delayed for a couple of days, then during these days interest will not be accrued on the account balance).
UPD: 04/26/2017
From April 25 interest rate for the “My Income” account is reduced from 7% to 5.5%.
3 Receive cash from any ATM without commission.
Using a MasterCard Unembossed card issued for the “My Income” account, you can withdraw money from any ATMs without commission (when receiving a pension on a Sberbank card, you can withdraw cash without commission only from Sberbank ATMs):
The monthly withdrawal limit from a Sovcombank card is RUB 999,000.
4 Free card with 5% cashback for purchases in pharmacies and supermarkets.
Sovcombank, in addition to the MasterCard Unembossed card, issues a MasterCard Gold credit card with an initial credit limit in 10 kopecks and the possibility of depositing own funds. Instead of this card, you can receive a Frank Duval watch as a gift or set up the “Autopayment” service:
Don't be alarmed that it's a credit card. We will use it as a debit (without using credit funds jar).
Release and maintenance MasterCard cards Gold in the first and subsequent years is free. 5% per annum is charged on the balance of your own funds on the card. You can withdraw cash from it for free only at Sovcombank and Kraiinvestbank ATMs.
The MasterCard Gold card provides 5% cashback for pharmacies and grocery stores (0.5% for other categories), as well as 5% for any purchases on your birthday, December 31 and March 8 (February 23).
5912 – Pharmacies;
5122 – Medicines;
5462 – Bakery;
5411 – Grocery stores and supermarkets;
5499 – Various grocery stores:
The maximum cashback amount (paid three days after the end of the calendar reporting month) is 500 rubles:
In other words, increased cashback is awarded for spending up to 10,000 rubles. per month. This is not much, but you can make other purchases using .
List of exceptions for which Sovcombank does not pay cashback (even on birthdays, New Years, etc.):
UPD: 12/11/2016
Since November 28, 2016, Sovcombank has significantly worsened the conditions for its loyalty program. Now, to receive cashback, you need to make a minimum turnover on the card of 15,000 rubles, and maximum amount cashback within the “Honorary Client” status is still 500 rubles. Those. If previously there was a 5% cashback for purchases in pharmacies and grocery stores without a minimum limit on amounts, now the maximum possible cashback will be 3.3%, and then only on condition that the purchases are more than 15,000 rubles. during the reporting period.
UPD: 02/21/2017
From 03/01/2017, Sovcombank is canceling the requirement for a minimum turnover of 15,000 rubles/month to receive 5% cashback for purchases in supermarkets and pharmacies for Honorary Clients (receiving a salary or pension through Sovcombank). Under the new conditions, to receive 5% cashback (maximum 500 rubles per month), it is enough to make purchases of at least 3,000 rubles per month.
UPD: 03/14/2017
From 03/09/2017, Sovcombank is again introducing a requirement for a minimum monthly turnover of more than 15,000 rubles. to receive cashback under the “Honorary Customer” program for purchases in supermarkets and pharmacies. At the same time, the cashback limit remains the same, 500 rubles/month.
UPD: 08/30/2017
Sovcombank has stopped issuing this card to Honorary Clients with 5% cashback in pharmacies and grocery stores.
5 Free withdrawal and replenishment using C2C.
From Sovcombank cards you can withdraw funds for free to cards of other banks whose services allow you to top up your cards in this way. Those. It is possible to transfer your pension to other banks without commission, without leaving your home.
Sovcombank cards can be topped up for free from cards of other banks using Card2Card transfers using its own service in the Sovcombank Internet bank (for one transaction the card can be topped up by 75,000 rubles, the monthly limit is 500,000 rubles).
The only thing is that after c2c replenishment it is better not to immediately make debit transactions, but to wait some time (a day). There are reviews that in rare cases a technical overdraft is possible.
You can read more about Card2Card (transfers from card to card) in the article.
6 Bank reliability.
PJSC Sovcombank is a large financial institution with a wide network of branches throughout Russia (in 49 constituent entities of the Russian Federation), 19th in terms of net assets. The bank was additionally capitalized by the state with the help of OFZ in 2015, so I included Sovcombank in my .
Thus, if you receive a pension from Sovcombank, you will have a MasterCard Unembossed card with 7% on the balance where the pension will come. SMS notifications and servicing of this card are free. You can withdraw money from any ATM without commission.
Sovcombank will also issue you a second MasterCard Gold card, with free service and SMS information, the balance on it will be charged 5% per annum, and 5% cashback will be provided for purchases in pharmacies and grocery stores.
You can transfer money between cards in the Sovcombank Internet bank or directly at the branch, if that is more convenient. You can also top up cards without commission using C2C transfers.
The money on both cards is insured by DIA.
You can become an honorary client of Sovcombank by receiving your salary on its card. The salary transfer must be from legal entity or individual entrepreneur (the trick of sending a salary from your account in another bank, like , will not work).
When transferring a pension or salary to a Sovcombank card, it is much easier to get a loan from this bank (other banks usually do not give loans to pensioners at all):
7 Cashback for housing and communal services.
Pension card of PJSC "BINBANK"
PJSC BINBANK is a large metropolitan bank, 12th in Russia in terms of net assets, offering pensioners a fairly profitable pension card.
1 Easy to obtain.
To receive a BINBANK pension card, transferring your pension to this bank is not necessary; you just need to show your pension certificate. You can order a card on the credit institution's website .
If you click on the link “Pension card” on the website of PJSC "BINBANK", then we get to the website of the bank controlled by PJSC BINBANK, JSC BINBANK Credit Cards, where we can familiarize ourselves in detail with the tariffs for pension card. This map Issues both “BINBANK” itself and “BINBANK Credit Cards” (BBKK), the tariffs are the same.
UPD: 08/30/2017
Since July 1, 2017, BINBANK has been issuing pension cards of the MIR payment system:
The MIR card is also free, it has interest on the balance (7% per annum):
However, MIR pension cards, unlike Visa/MasterCard pension cards, do not participate in the BINBONUS program.
However, BINBANK can issue, in addition to the MIR pension, a second card from another payment system (participating in the BINBONUS program and also free):
Here is a review from a client who ordered a MIR pension card on the BINBANK website, and at the branch he was given two cards, MIR and Visa:
Here is a review from a client who was issued a MIR card, but at first they refused to issue a card from another payment system, but after a complaint they issued it without any problems:
Issuing and servicing a pension card is free:
There is no fee for SMS notification on a pension card.
When receiving the card, make sure that you are not connected to any paid services, such as insurance.
UPD: 08/30/2017
Clarification about SMS notifications: pension cards are issued by both BINBANK and BINBANK Credit Cards (aka BINBANK Digital), with BINBANK SMS information is free only for the first 2 months, with BINBANK Credit Cards it is free Always.
Pension cards at BINBANK Digital tariffs (with free SMS) can be obtained only in some areas:
After receiving the card, immediately check whether you have received a card at the rates of BINBANK or BINBANK Credit Cards. Check again to see if the “Protection Plus” insurance is connected to the card. If this service somehow turns out to be connected, disable it immediately (this can be done both in the office and on hotline).
3 7% on balance.
The balance of own funds on the BINBANK pension card is accrued at 7% per annum. The interest is calculated every day based on the actual balance (for example, interest is calculated on the minimum balance for the month):
4 Cash withdrawal without commission at any ATMs.
BINBANK allows you to withdraw 30,000 rubles from your pension card without commission. per month at any ATM. Also, without a commission, you can withdraw 300,000 per month from the card at ATMs of BINBANK and partner banks: (PJSC MDM BANK, PJSC CB KEDR, JSC Alfa-Bank, JSC Raiffeisenbank):
5 Cashback 5% on your favorite category, 1% on everything else.
For purchases using a pension card, you receive a 5% cashback for the selected category and 1% for all other purchases. Minimum amount payments 50 rubles, maximum - 3000 rubles. per month:
You can read more about the BINBANK loyalty program BINBonus in the article.
6 Free withdrawal and replenishment using C2C.
The BINBANK pension card has the same properties as the Sovcombank card. From it you can withdraw money for free to other cards whose services allow you to top up your cards in this way (to the same Sovcombank, for example).
The BINBANK pension card itself can withdraw funds from cards of other banks for free through its own service.
Those. You can transfer money between Sovcombank and BINBANK cards for free using your own replenishment services.
You can use your Sovcombank card to pay in supermarkets and pharmacies. For example, the favorite category “Auto” was connected to the BINBANK card. And before visiting a gas station or car service center, you simply withdraw funds from your Sovcombank card to your BINBANK card without commission, pay there with your BIN pension card and receive 5% cashback.
Considering that to receive a BINBANK pension card you do not need to transfer your pension to the bank, and it is free, it definitely won’t hurt to apply for it.
UPD: 08/30/2017
The services of other banks are not yet able to withdraw money from a MIR card, but you can first transfer money from MIR to a BIN pension card of another payment system for free and withdraw from it.
Card for pensioners of PJSC Bank Financial Corporation Otkritie
PJSC Bank Financial Corporation Otkritie is one of the largest banks, 4th in Russia in terms of net assets.
1 Simplicity of design.
On the website in the section “How to receive a pension on an Otkritie Bank card” it is indicated that for this you just need to fill out an application at the bank, and you do not need to go to the Pension Fund yourself:
However, in order to receive an Otkritie pension card, it is not necessary to transfer your pension to this bank. You just need to leave an application for a pension card by calling the hotline (you can order a non-personal card for instant issue, or you can also order a personalized one; it takes an average of a week to produce it).
You come to the branch with a pension certificate, pick up the card and say that you will go to the Pension Fund yourself and write an application to transfer your pension (cheating, of course, is not good, but nothing can be done).
The card is valid from the moment of issue and has all the declared properties, even if you do not transfer a pension from the Pension Fund.
2 Free issue and maintenance.
The issue and maintenance of Otkrytie pension cards, both non-personal and registered, are free:
SMS information on the card is also free:
You can withdraw funds from your Otkritie Bank pension card without commission at any ATM. A non-registered card has limits of 100,000 rubles. per month, for registered ones - 250,000 rubles. per month:
4 Interest on the balance is 4% per annum.
The interest on the balance in the Otkritie pension card is not the strongest point, but it is still not inferior to Sberbank. In the amount from 3,000.01 rubles to 10,000 rubles. 4% per annum is charged. If the balance is more than 10,000 rubles, then the interest will be 3.5%. If there is less than RUB 3,000.01 on the card, then interest is not accrued on the balance:
5 Cashback 3% for purchases in pharmacies.
For purchases in pharmacies using the Otkritie pension card, you are entitled to a cashback of 3% of the purchase amount (no more than 3,000 rubles per month). True, the bonus will still be withheld from this amount income tax at 13%, i.e. real cashback will be 2.61%.
6 Free contraction.
The Otkritie pension card is a free donor; you can withdraw money from it to other cards (for example, B&N Bank or Sovcombank) through their services without commission.
The cashback from the Otkritie pension card is, of course, a bit small, but still better than that from Sberbank (0.5% with “thank you” points). In other respects, the Otkritie Bank card also outperforms social card"Sberbank".
UPD: 08/30/2017
Otkritie began issuing pension cards only for the MIR payment system:
And the services of third-party banks have not yet learned how to download services from MIR cards.
Pension card of PJSC Transcapitalbank
PJSC Transcapitalbank is a fairly large financial institution, 39th in Russia in terms of net assets.
1 Simplicity of design.
To apply for a TKB pension card, it is not necessary to transfer your pension to this bank, you just need to show your pension certificate:
Although an application for pension transfer can also be filled out directly at the bank.
Instant issuance of a non-named card (it is better to check in advance the availability of non-named cards at a specific branch using the hotline), the possibility of issuing a personalized card.
2 Free service.
Issuance and maintenance of pension cards (unnamed and registered Visa Classic) are free:
UPD: 08/30/2017
If you want to receive a pension through Transcapitalbank, then the bank will only be able to issue a MIR payment system card (it is also free), which does not participate in the TKB.Club bonus program. If you receive your pension through another bank, you can issue a regular Visa as a pension:
3 Withdrawal without commission at any ATMs.
From your Transcapitalbank pension card you can withdraw up to 200,000 rubles from any ATM without commission. per month:
4 7.5% on balance.
The Transcapitalbank pension card has interest on the balance. For amounts up to 200,000 rubles, 7.5% is charged, for excess of this amount - 5%
UPD: 08/30/2017
As of 08/30/2017 for the balance Money on the Transcapitalbank pension card up to 200,000 rubles. 7% per annum is charged on balances of RUB 200,000 or more. – 4% per annum. Interest is accrued on the actual balance of funds in the account at the beginning of the operating day:
5 Bonus program “TKB.Club”.
To participate in the bonus program, you will need to issue a personalized pension card (this is also free).
For each purchase, 1% of the purchase is credited to the bonus account in points (1 point is equivalent to 1 ruble). In addition, once a quarter the bank determines categories for increased cashback accrual.
In July-September, TKB gives 5% for purchases in beauty salons, hairdressers, auto parts stores, for payment for medical services, 10% for payment for sports and fitness services:
Converting points into rubles is not entirely convenient (similar to). You can compensate for the cost of a purchase made earlier, but you cannot partially pay for the purchase with points; the minimum you can convert is 3,000 points; written off points are still rounded up to 1,000.
Binbank's pension card is issued under favorable interest rate and conditions for a period of 1.5 years in ruble currency. The card can be either personalized or unnamed. When the card expires, the bank immediately issues a new one and notifies the client.
Possibilities of MIR debit cards for pensioners
Binbank provides the following services for debit pension cards:
- Transferring funds from a card to any other accounts through a bank terminal or personal account;
- Payment for purchases by non-cash method, housing and communal services, traffic police fines, mobile communications and other government services;
- Cash withdrawal through B&N Bank terminals at no additional cost.
Terms of service
There is no fee charged when applying for a pension card and opening an account. Maintenance is provided free of charge for the entire period of use. You can also receive income of up to 7% per annum on the card, regardless of the amount remaining in the account.
There is no additional charge for information and SMS alert services. Cash withdrawals are also carried out within available limit(for interest-free withdrawal). Re-issuance of the card is provided free of charge.
Conditions for withdrawal:
- Up to 100,000 rubles per day from B&N Bank ATMs;
- Up to 300,000 rubles per month from B&N Bank ATMs;
- Up to 30,000 rubles per month from ATMs of other banking organizations;
- Up to 10 transfer operations per day.
If the limit has been exceeded, each transaction will be subject to a commission of 1% of the total amount (at least 150 rubles).
Bonus program and promotions
The card from the MIR payment system provides a convenient cashback system for purchased goods. When using a card, up to 5% of the amount spent is returned to your account in the form of bonuses, which can be written off on subsequent purchases.
Bonuses are calculated according to the system as follows:
- The product must first be selected via Internet banking and placed in the “favorites” section;
- Make a personal list through the hotline by talking with the operator.
For other purchases, cashback will be awarded in the amount of 1% of the amount spent.
To activate bonuses, you need to log into your personal account through the official website of B&N Bank or a mobile bank and activate the accumulated funds in the bonuses section. It is worth considering that a fee is charged for changing the class of categories.
Advantages and disadvantages of the system
Among the positive qualities we can note:
- Making safe purchases and protecting against fraudsters;
- Free use of your personal account and mobile banking, as well as SMS notifications;
- Cashback system that allows you to return up to 5% of your purchases;
- Absolutely free service cards for the entire period of use;
- Accrual of up to 7% on the account balance, regardless of the amount of remaining funds;
- Payment for various types of services via the Internet without commissions.
The only disadvantage of the program is the inability to pay for purchases in online stores such as Ebay, Pandao, etc.
How to apply for and receive a card
Every citizen who has a pension certificate can open a pension card account. The application can be submitted through the Internet service of B&N Bank or by contacting the branch. After filling out the form, you need to send the application to the review department and expect the card to be ready within a working week. If for any reason the client refuses the bank’s services and reissue, he must submit an application to revoke the production of the card.
It is important that the pensioner must be a citizen of the Russian Federation and officially reside in the country. This is a requirement.
How to use
After receiving the card, bank employees provide the user with the necessary details and other documents. The client must provide this package of documentation to the Russian Pension Fund in order for payments to be made to this particular card. Upon completion, a short SMS confirmation of the operation will be sent to the pensioner’s phone.
Tariffs for using services
Tariff plan for 2018 in rubles:
- There is no service fee;
- Re-issue of a card in case of loss – 120;
- Blocking a card in case of contract termination or theft is free;
- Interest accrual from 3 thousand to 10 thousand will be from 4%;
- The accrual of interest from 10 thousand and above will be from 6%;
- Withdrawing and replenishing cards at bank terminals and cash settlement centers is free;
- Annual interest on overdraft – 60%;
- Payment for goods and services by bank transfer in all stores and organizations is free;
- Conversion into currency is carried out according to established by the bank rate without additional overpayments;
- The maximum one-time withdrawal amount from ATMs and bank branches is 100 thousand;
- The maximum permissible transactions in one day is 10;
- The maximum withdrawal amount per month is 300 thousand;
- Commission for withdrawals from branches and ATMs of third-party banks – 1% (not less than 150 rubles);
- SMS notifications on all completed transactions (accrual of pensions, purchases in stores, payment for services of various organizations, etc.);
- Commission for transfer to Visa and MasterCard payment systems is 1% (at least 50 rubles) in other banks. Transfers within B&N Bank are free;
- Card insurance – 50 rubles monthly Maximum payout upon occurrence insured event– 50 thousand;
- Using your personal account and mobile banking is free;
- Requesting an account statement at bank terminals and branches is free. Request for statements from third-party banks – 40 rubles;
Technical support service
If you have problems with your personal account or mobile banking, it is recommended to use the B&N Bank hotline. You can also write to technical support through the application mobile banking or by E-mail.
Conclusion
In connection with the decision Russian Federation, every pensioner should have this debit card by the end of 2018. This is due to the fact that the country is gradually abandoning the payment systems visa and mastercard and according to national payment system WORLD won't have to pay additional contributions for service.
In recent years, banks have been paying increased attention to pensioners. Practice has shown that this category of the population brings them income from various products offered credit institutions. This applies to special banking programs for pensioners, as well as other offers from banks. One of the services offered among a wide variety of offers is the B&N Bank pension card. Customer Reviews financial institution positive: the bank has been operating in Russia for a long time and has a positive reputation. Let's consider the conditions and interest rates offered by the bank on the Pension debit card.
Conditions for obtaining a B&N Bank pension card
Banks work in different directions, pursuing a key goal. This is attracting customers. Pensioners are no exception to the rule. Binbank offers them a pension debit card that has certain characteristics and terms of provision. Generalized analysis of B&N Bank debit card:
- Payment for card issue is 0 rubles.
- Payment for the first 12 months of service is 0 rubles.
- Bonus programs. They include a Bean Bonus: if a pensioner buys goods with a card, he is awarded points for each purchase. Subsequently, these points can be spent on non-cash payments for products, goods, work in any trade and service enterprise in the amount of the purchase price. The amount of bonuses for 30 days is 50 rubles (minimum), 3000 (maximum).
- Accrual of % on the balance of funds on the card. 7% on the daily account balance.
- Card type - Visa Classic.
- Features of the card: chip, instant issue.
- Cash withdrawal from an ATM - 0% commission.
- Cash withdrawals from partner ATMs of the bank - 0% up to 30,000 per month, above this amount - 1%. Partner banks: Alfa Bank, MDM Bank, Raiffeisenbank.
- Cash withdrawal limits - ATMs - up to 100,000, up to 300,000 per month.
- SMS informing about transactions is free.
- Requesting a card balance at ATMs that do not belong to B&N Bank costs 50 rubles, at MDM Bank ATMs it is free.
- The card is valid for 36 months.
Conditions for providing citizens with a B&N Bank pension card
1. The bank’s offer is valid for women over 55 years of age and men over 60 years of age. This category of the population must have a passport with them to issue a bank card
2. A pension card can be issued to persons who have earned a long-service pension. Categories:
- civil servants;
- military personnel;
- astronauts;
- pilots.
They need to present their passport and pension certificate to the bank.
3. Citizens who are ready to retire into old age within 3 months can receive a card. They also only need to have their passport with them.
Pensioners who have a B&N Bank pension card speak positively about it. And this is not surprising, since the advantages of this banking instrument obvious. Pensioners do not need to pay for annual card maintenance; interest is accrued on the balance of funds in the account, which provides them with a stable income. Bonuses are awarded for spending transactions made using the card.
A pension card in BINBANK is issued using the international payment system Visa. The cardholder can simultaneously receive bonuses from the bank, interest on the balance of funds and privileges provided for this category of cards in the Visa payment system.
How to apply for a pension card at BINBANK
In order to apply for a BINBANK pension card, you need to contact a branch or leave an application online. According to the conditions for issuing a card, to receive it the client will need to present:
- Passport (or residence permit);
- Pension certificate (or certificate from the Pension Fund confirming receipt of a pension).
It is worth noting that the terms of the pension card at BINBANK are quite favorable. It provides:
- Participation in the loyalty program from BINBANK;
- The accrual on the actual balance is 7 percent per annum;
- Free service;
- Favorable conditions for withdrawing funds: no interest in your own banks and ATMs/terminals of partner banks (Alfa Bank, Raiffeisen, MDM, Kedr), in third-party banks: up to 30 thousand rubles. – free, above this amount – 1%, minimum 150 rubles.
- Withdrawal limits: up to 100 thousand rubles. daily, up to 300 thousand – monthly. Withdrawing funds in excess of the established limit is allowed, with a commission of 3% of the amount.
Binbonus program for a pension card
- Trips;
- Recreation and entertainment;
- Sports, beauty and health;
- Internet shopping.
According to the terms of BINBANK, for paying for purchases with a card in the selected category, bonuses in the amount of 5% are awarded, for other non-cash purchases - 1 percent. If desired, categories can be changed; the cost of such a replacement is 250 rubles. After accumulating points (maximum 3 thousand per month), via the Internet - bank in personal account one of the options for writing off bonuses is activated:
- Auto spend: according to the terms, bonuses are written off automatically when paying for purchases in stores or online, and their cash equivalent is returned to the card account;
- Compensation: accumulated points are returned in cash when paying for a specific purchase. To do this, indicate in your personal account the transaction for which the owner wishes to receive compensation.
Conclusion
BINBANK's pension card is not just a convenient way to receive a pension. The terms of use of the card allow the pensioner to earn income through cashback under the loyalty program and interest accrual on the balance on the card.
Are you looking for a convenient way to receive a pension, but are you afraid of unnecessary commissions and overpayments? The B&N Bank pension card will allow you to withdraw your pension from any ATM in the Russian Federation, as well as constantly receive discounts. From our article you will learn about the conditions for its registration and maintenance, as well as the possibility of receiving additional income from your savings.
Main characteristics
The card is serviced free of charge.Binbank debit cards for pensioners are issued within the MIR system and can be instant (unnamed) or personalized (when the holder’s name is indicated on the front side).
The MIR is issued only in rubles and is issued for a period of 3 years, after which the plastic is automatically reissued and replaced.
Card features
Using the Pensionnaya debit card you can perform the following operations:
- transfer funds to other clients of B&N Bank and consumers of third-party banks;
- make cashless payments for purchases and utilities;
- receive cash (withdrawal from ATMs without commission).
Conditions and tariffs of a pension card
B&N Bank does not charge a fee for issuing and servicing the MIR “Pensionnaya” debit card. In addition, 7 percent per annum is charged monthly on the balance, which allows the client to have additional passive income.
Interest is credited to the account automatically regardless of the amount on the balance.
Other conditions, as well as the main limits and tariffs provided for the B&N Bank pension card, are indicated in the table.
| Cost of SMS notification service | For free |
| Reissue fee | Absent |
| Commission for payments (including housing and communal services) | No charge |
| Withdrawal limits per day, rub. | |
| Withdrawal limits per month, rub. | |
| Max. number of withdrawals per day | |
| Fee for cash withdrawals at subsidiary ATMs (Binbank and partners) | within the limit – 0%, over the limit – 3% |
| Commission for cashing out in third-party devices |
Bonuses and discounts
Pay for purchases with a pension card and get money back. Using a Binbank pension card to pay for purchases, its owner can become a participant in the Binbonus program absolutely free of charge and return up to 5% of the amount spent. Refunds are made in the form of bonuses, which are subsequently written off as payment for goods.
The bonus accrual percentage is determined as follows. The client will receive 5% cashback if the purchased product (service) belongs to the “Favorite” category. The choice of favorite purchases is carried out by the client himself from the proposed groups (health and sports, tickets, restaurant and hotel services, gas stations, online purchases).
To take advantage of bonuses, you need to log into your personal online account and select the purchase you want to compensate. After this, the bonuses will be written off and the amount spent will be credited to your account.
Please note that for changing the group of favorite purchases, a commission of 250 rubles is charged.
Advantages and disadvantages of the card
Advantages of the MIR card from Binbank, intended for pensioners:
- 3D Secure technology, which allows you to safely pay for online purchases;
- free connection to mobile services (SMS notifications, mobile app, Internet banking), with which you can manage your funds remotely;
- accrual of bonuses for purchases;
- no annual commission;
- receiving income in the form of interest on the balance;
- payment for housing and communal services without additional fees.
The disadvantages include the fact that it cannot be used as a payment instrument on international Internet platforms (AliExpress, Ebay, etc.).
How to get
A pensioner can order a MIR card at the nearest B&N Bank office or on the organization’s website by leaving an online application.
After filling out all the required fields, you need to send the request for processing and wait for notification that the financial product is ready (5-7 days).
Order a card and store your pension on it. To apply for a pension card at B&N Bank, you need to meet certain requirements:
- Age limit – from 18 years.
- Availability of registration in the Russian Federation.
Only a citizen entitled to pension payments can receive a pension card. Accordingly, upon issuance you will need to present a pension certificate or other document confirming the client’s status as a pensioner.
How to use the card?
Upon receipt of the MIR card, a Binbank employee will provide the client with the details of his card account. This document must be submitted to the department Pension Fund, which will pay an old-age pension (or other social benefits). On the appointed date, the pension will be credited to the card, of which the client will be notified via SMS.
Taking into account all the listed characteristics, we can conclude that the B&N Bank pension card is a full-fledged means of payment and has all the advantages of a standard plastic product. In this case, the holder is exempt from payment annual maintenance and other commissions.
Video: Do I need to change my pension card to a MIR card?
