Classic card. Payment card "MIR" from "Sberbank of Russia": features and special offers Imposed a credit card what to do

Hello dear readers. The topic of today's article is the Mir bank card.
You all remember that some time ago, sectoral sanctions were imposed on many Russian banks by Western countries. That is why the government of the Russian Federation made a timely decision to form the National Card Payment System and issue bank plastic cards under the NSPK.

National System of Plastic Cards (NSPK)

Banks with the best credit cards in 2017

NSPK system

The NSPK system has been implemented since the beginning of 2014, and to date, the operational and payment clearing center for processing bank card transactions has concluded agreements with payment systems of other countries for the transfer of domestic Russian transactions to the national processing center.

Transferred to NSPK:

• June 19, 2015 with MasterCard using Maestro system cards;
• July 7, 2015 with Japanese JCB system.
• In July 2015 with the American system American Express.

World map release

Since December 2015, the majority of Russian banks have been involved in issuing the Mir card. Among them are such as:

• Gazprombank;
• SMP Bank;
• MDM Bank;
• Communication bank;
• Sberbank;
• Bank Russia.

As of May 2017, there are more than 300 issuing banks.
Sberbank of Russia joined the issuance of Mir payment cards in the second half of 2016.
At present, the range of available services on the Mir card issued by Sberbank of Russia is presented quite widely. We will go through this list in more detail below.
The world map is presented on the Russian banking market in several versions.

Debit card

Since the national payment system started working not so long ago, the list of banks issuing the Mir card is constantly expanding. An ordinary client, before ordering it, needs to familiarize himself with the list of banks that are represented in his region. It's not very convenient. It is much easier and more reliable to use the service for the production of plastic bank card from a time-tested bank. AT this case we are talking about Sberbank.
Please note: the Sberbank world card is most actively distributed in Moscow and the Moscow region.
Well, a list of Sberbank branches in your region or city can be found at this link.

Credit

With the development of the banking sector, it will be possible to get a Mir bank card in the form of a credit card.
As you already understood, in terms of its functionality, the Mir bank card practically does not differ from a regular credit card. And therefore, all the documentation that the bank presents to the borrower will be similar:

• The client needs to confirm his official income.
• Provide proof of identity.
• Help 2-NDFL.

Please note that if you receive a world credit payment card at Sberbank, but are not participants in the salary program, that is, you do not receive wages to an account with this bank, then you will need to submit additional documentation.

How to get a map of the world

To obtain a world card, Sberbank offers several available methods.

Getting a map of the world online«]

The easiest way is to get a world debit card online on the Sberbank website. By clicking on this link, you can fill out an application.
You will need to provide your full name, contact and passport details. After filling out the application, a manager will contact you shortly and explain the next steps. Usually, a world card is received at the nearest bank branch at the client's place of residence.
Please note: when applying online, you do not need to visit the Sberbank branch again. You will only come to receive a card. It is possible to deliver a bank card by courier service to the client at home.

At the bank office«]
In order to order the issuance of a Mir bank card directly when visiting the office, you need to meet the standard requirements for bank card users who Sberbank presents for its customers:

• You must be 14 years of age at the time of receipt.
• You must have a permanent or temporary residence / registration in the territory Russian Federation.
• When visiting the bank office, you will need to present a document confirming your identity, fill out a questionnaire,

Additional requirements and tariffs can be found at the link.

How to replenish or withdraw cash from the world card

The world bank card issued by Sberbank is serviced in all self-service devices and ATMs of this bank. A list of ATMs and payment terminals can be obtained at this link.

• You can deposit cash at any payment terminal or ATM if it has a cash-accepting functionality.
• You can transfer money by bank transfer from any third-party bank account.

Usually, in order to make a payment, it is necessary to enter in the purpose of payment such data as the client's full name, card number and account number for crediting funds.

• Replenishment is also available from any debit card of Sberbank, namely using the service "", "", as well as any payment terminal or ATM.

Deadlines for crediting funds to the world card

Usually cash to your card when replenishing by any of the above methods, they are received no later than the next business day from the moment of crediting to the bank account.

• Another way to top up debit card World- visit the office of Sberbank and contact the manager.

To do this, you tell the bank employee your card number and show your passport. You can also provide the card account number and details of the bank that issued this card.

Opportunities and conditions for a bank card world

• By calling the contact center of Sberbank
• Get a cash flow statement to your e-mail.
• Connect SMS informing in the Mobile Banking service from Sberbank.
• In the Sberbank Online service, generate a statement for any period of interest to you.

You all know that servicing debit and credit bank cards is quite expensive. As for the Mir bank card, Sberbank offers the following service conditions:

• You can activate the "Auto payment" service. This service is relevant for automating payments for utility services, etc.
• The payment function is available in various online stores throughout the Russian Federation. The service is provided without 3D secure technologies/
• It is possible to connect Mobile Bank, Sberbank Online.
• Full functionality when servicing the world card at any ATM or payment terminal of Sberbank.
• Possibility to connect the Piggy Bank service.

You can find out about other features and capabilities of the world map, which state employees and when they transfer to use this map.

Advantages and disadvantages of a bank card world

Like most other services and banking products, the Mir card and the national payment system have their own advantages and disadvantages.

• Relatively low maintenance costs. For example, the cost of servicing VISA or MASTERCard is higher. And sometimes it reaches up to 500 rubles a year, depending on the bank.
• Wide ubiquitous use: Internet payments are available to you.
• Card reliability: Since this bank card was issued in Russia, the possibility of its blocking by foreign payment systems is minimized.
• Interest-free transactions in terminals and ATMs of the issuer's bank.

At present, the World map is not widely distributed. Although more and more banks are connecting to the national payment system, only 3.5 million bank card data has been issued. But, the situation may change significantly in the near future, because only Sberbank plans to produce about 20 million units by 2020.

This concludes our review of the Mir bank card issued by Sberbank and other financial institutions. If you have any questions or want to write a review, leave it in the comments. We will supplement this article with the most detailed of them.

I like to learn everything new, interesting and unusual. And also - wrap yourself in a warm blanket, take hot cocoa and tell you about the latest in the financial market, hot stories from the offices of bank consultants and other interesting things.

Many Sberbank borrowers sooner or later begin to think about how to close credit card Sberbank. This issue will be discussed in detail below.

Sberbank is the largest commercial financial institution in Russia, the activities of which are almost completely controlled by central bank Russia. A savings bank provides a wide range of services, and one of the most popular is the provision of loans through a credit card, which employees offer to a client when he draws up a debit or salary card. Many agree to this, often imposed, proposal, however, they soon decide to get rid of the card, pay off their debts and completely close it.

There are two types of closure:

1. Blocking only the plastic card number (the personal account is saved). As a rule, this is done when re-issuing "plastic".
2. Simultaneous closing of the account and credit card number.

Closing methods:

• phone call;
• Sberbank Online service;
• personal contact with the department.

Having decided on the type and method, you need to prepare everything in order to properly cancel a credit card. To do this, recall some of the features of this process:

• First of all, you need to remember that the card balance must be zero. If there are debts, they must be paid off, otherwise the credit card will be denied. If the balance is positive, additional commission fees will be charged;
• Via phone call or the Internet is blocked only by the credit card itself, and the personal account remains valid;
• You can completely close the card only by contacting the bank branch.

The process of closing a Sberbank credit card:

• With a negative balance, the borrower must repay the entire debt;
• Next, write an application for closing the card and account on it;
• "Plastic" is personally transferred by the owner to the employee financial organization, which immediately destroys it by cutting the magnetic strip in several places;
• The manager draws up an act on the termination of debt obligations. A copy of the document is issued to the borrower (it is better to keep it).

It should be remembered that the procedure for refusing a Sberbank credit card lasts about a month, especially if you do it ahead of schedule.

If there are personal funds on the account

In this case, the money will not be lost when the credit card is closed. The manager will guide the client when he can receive his funds from the bank through the cash desk or by electronic transfer.

At the expiration of the card

Sometimes the bank itself extends the term for servicing the account, which can be a significant problem for its owner. If re-issuance of the card is not required, the bank must be informed about it. This is done in writing, five days before the end of its term of operation. Otherwise, the re-release of "plastic" occurs automatically, it is sent to the holder by mail, when he himself does not even assume about it. The result is the formation of debt in the form of a service fee.

Which office to contact

Having decided to refuse a credit card, you need to choose a bank branch where the whole procedure will be carried out. Cards are closed at any branch of Sberbank that is convenient for the client.

Preparing to close a credit card and submitting an application

As mentioned earlier, before applying to the bank with an application for closing, you need to make sure that there is no debt, otherwise the bank will simply refuse to block.

After making sure that there is no debt on the card account and choosing a convenient branch of the lender, the borrower can contact the bank with a message of intent to close the account and block the card. Based on the client's passport and the number of his "plastic", the bank employee draws up an application that the borrower signs.

Important: if you have a debit card, you need to return the funds that are on it. In this case, when submitting an application, it reflects the bank's obligations to return the funds to the owner (by transfer to another account or issuance at the cash desk).

Credit card blocking process

If the client wants to get rid of plastic only, while keeping the bill, it will be easier for him to do this by phone or the Internet.

In the first case, you need to call the hotline number: 8-800-555-55-50. Here the client will need to inform about his desire to block the card, his passport details and credit card number. Next, the operator requests a code word used for transactions and known only to the cardholder. Now it remains to wait a few minutes and the blocking will be completed.

The second option provides for the authorization of the "Personal Account" in the Sberbank Online program. Here the cardholder selects its number and the "Block" button. Next, the operation must be confirmed by typing secret code received on the mobile client via SMS.

It should be remembered that blocking a credit card does not mean its closure. The client can completely close the card account and terminate the contract for its maintenance only in person, having come to the bank branch.

Closing the credit card "Momentum", Visa Gold, Platinum from Sberbank

To close Momentum, Visa Gold (Gold), Platinum credit cards, its owner must contact the branch where the credit card was issued. If this is not possible, you can contact another branch, however, the closing procedure will change slightly.

The client must submit two applications at the same time: to close an existing account and to transfer the remaining funds from it. To do this, another account will be opened, which will need to be closed after the withdrawal of the transferred money.

When closing Momentum, the client is not obliged to hand over the "plastic" to the bank employees for destruction.

Early termination of a Sberbank credit card

Despite the fact that the validity period of the cards is three years, the owners can close them ahead of schedule, having previously paid all the debt. You can find out the exact amount of debt by contacting an employee of any bank office by going to your Personal Area or by calling the hotline.

After paying off the debt, the borrower must also submit an application to close the card. You should also disable all services connected to the "plastic": SMS alerts, insurance, mobile applications bank and others, otherwise their provision may threaten the accrual of additional interest on the loan.

Settlement of all activities for transactions and account closure is carried out by Sberbank within thirty days from the date of destruction of the "plastic".

The final step in closing a credit card is the issuance of a certificate confirming that the client has no debt to the bank and closing a credit account.

findings

Having decided to stop using a Sberbank credit card, its holder must correctly pay off the credit card and close it. Many people think that it is enough just to throw out the "plastic", however, they are mistaken. Even if the credit card is not active, the bank continues to service it. That is why, if the borrower does not intend to use “plastic” in the future, the issue of closing it should be resolved with special responsibility.

I got into a bad situation. I have a Sberbank salary card, suddenly in the Internet bank I find that a credit card has appeared that is "subject to issue." I didn't ask for a credit card, it's Sberbank trying to foist it on me. And so what should I do?

I wrote a complaint on the Sberbank website demanding to remove this credit card due to the fact that I did not order it and demanding to punish the employee who issued this credit card to me. Complaint number 000913-2013-027931

Yesterday I finally received a response to my complaint! The card has not been removed. They didn’t understand that I don’t need a card, they are not going to punish anyone, and the answer contains only - how to get this card! Just a mockery. Here is the response to the complaint:

"OJSC" Sberbank of Russia "on your request informs the following. In the course of the claim work, it was established that a credit card was issued in your name<номер>within the framework of the "Credit card by mail" company. We inform you that credit cards delivered by mail are issued to bank customers - holders of salary cards. Credit cards are sent by the bank to home addresses centrally, using the Russian Federal Postal Network - Russian Post. To activate a credit card, you must contact any structural subdivision. Credit cards are packed in envelopes, complete with information letter. The credit card activation period is 135 days from the date of issue. If the client fails to activate the credit card before the date specified in the information letter, the bank's offer to activate the credit card is automatically cancelled. We apologize for the inconvenience caused and hope that our clarifications will help you to successfully use our services in the future."

I wrote another complaint, indicating that my first complaint was not considered, the answer was not related to my question, again indicating that I did not need a credit card. Now, probably, again in a month the answer will come, in which again it will be reported how to get this credit card.

What should I do? I began to read on the Internet, only an appeal to the prosecutor's office helps, only then the savings bank begins to stir. Tell me, HOW TO REFUSE THE UNISSUED CARD? They write that it is impossible to write an application for refusal of the card, since the card has not been received in hand. I think it is clear that I will not receive it in my arms. I hope that Sberbankers will not be able to send me this card by mail, since I wrote a refusal to process personal information on a special form at a Sberbank branch a couple of months ago. I think, as an option, to demand in the branch a form for closing all accounts except for the salary card account.

If representatives of the Savings Bank are really present on this site, answer how to cancel this unissued card so that it would never happen again? Without waiting months, by application? I have already written two applications, the card is still hanging, and your savings bank did not even understand that I did not need this card. At the branch of your savings bank, they will not let me write a refusal of the card, since the card was not issued to me, I read such an answer from a representative of the savings bank on this site in a situation similar to mine. So how do you get out of this loan? Who has been in this situation, tell me what to do? Well, just the indecent imposition of services!

All Russians who regularly watch the news already know that the government decided to create a national payment system "MIR" after the imposition of sanctions by the European Union. The project has been developed since 2014, and last year a number of banks issued the first thousand cards of this category.

However, everyone was waiting for Sberbank, beloved by many, to start issuing cards of the national payment system. And at the end of October 2016, the bank pleased the Russians with such an opportunity.

Rates

Let's see what the payment The MIR card of Sberbank differs from the usual debit Visa and MasterCard.

Presentlythe active issuance of these cards has just begun, and so far all the features of our new payment system are not fully functional. But it's just a matter of time.

In Moscow, St. Petersburg and the region, they are already actively served, they can pay in stores, pay for purchases on the Internet, withdraw money from an ATM and transfer funds from an account to other banks or Sberbank customers.

So, what does Sberbank offer?

Two products of the MIR category were issued:

• classic debit;
• pension card.

"Classic" is practically no different from standard Visa and MasterCard. Only instead of the logos of the usual payment systems, there is the MIR logo.

FOR REFERENCE. You can find out exactly whether "MIR" cards are accepted at the point by finding the corresponding logo on the door of the institution, or next to the cash desk.

The difference between a classic and a pension debit card lies in the cost of the annual service.

For pensioners, the price of the annual maintenance of the MIR card is free, while for ordinary customers it is 750 rubles for the first year of servicing the card, then the fee is reduced to 450 rubles.

For clients who are in the bank on a salary project, the release of these debit cards can be free (according to special program loyalty).

Some more card differences "MIR" of Sberbank from international payment systems:

• cards of this category do not have the right to block (by mistake, as often happens with Visa);
• it is impossible for her to pay for goods or services abroad, it is valid only within the Russian Federation;
• transfers from cards of other banks reach the recipient almost instantly.

And, of course, bonuses are familiar to Sberbank customers. This is both, which allows you to accumulate points for cashless payments, and the ability to withdraw cash from your own ATMs without commission.

In third-party ATMs, withdrawing money from the MIR card will also cost more profitably - only 1%.

Sberbank offers cards of this system without, which can only be used as settlement cards, but in 2017 it is planned to start issuing credit cards.

It will be possible to get them on standard terms for issuing credit products, although the first customers may be offered a loyalty program in the form of a reduced interest rate for card service.

Advantages and disadvantages for individuals

Let's start with the pros:

• there is no fear that the cards of international systems will be blocked or ceased to be accepted for service - this will not affect the owners of MIR in any way;
• profitable cash withdrawal;
• bonuses;
• beneficial for pensioners;
• standard service charge;
• for pensioners - accrual of interest on the balance of funds in the amount of 3.5%;
• cards are accepted almost throughout the country, including in Crimea;
• the latest data security technologies (Russian chips).

The usual services of Sberbank are already working with the MIR card - "Mobile Bank", and personal account "Sberbank Online".

So far, only two shortcomings can be identified, plus one concerning persons without permanent registration in the Russian Federation (rather specific).

The first drawback is that "MIR" is not yet accepted in all stores, restaurants, etc. Although free cash withdrawals and the widest network of Sberbank ATMs, in principle, solve this problem.

The second nuance it is inconvenient to use for people who are accustomed to traveling abroad frequently and pay for purchases there. You will have to have an additional Visa or MasterCard for these purposes - and these are additional overhead costs.

NOTE: MIR payment cards do not support contactless payment technology.

It is unpleasant, but true, that those who often make purchases in foreign online stores such as AliExpress or EBay will not be able to pay for purchases with MIR. Account currency - only Russian ruble , without the possibility of automatic conversion of funds between accounts.

Separately, I would like to mention the problem that customers who do not have a permanent registration (stamp in their passport) in Russia may face.

The bank considers applications for obtaining a card from this category of clients individually, and may refuse to issue a card.

On the pages of our site you will also learn everything about! Let's talk about tariffs and interest rates.

And what can be the maturity of the debt on a Sberbank credit card? find ways to pay the loan and the amount of penalties for late payment.

Conditions for obtaining a card

Despite the fact that the card is originally a debit card, the recipient still has a number of requirements.

This is obligatory citizenship of the Russian Federation and permanent registration in any region.

Issued to persons under the age of 18, although soon it will be possible to issue a Mir card after they receive a passport (on a special application from their parents, which will need to be submitted at the department).

You can apply for a MIR card only at a branch of Sberbank by contacting it with an application and the necessary documents.

For those who plan to switch to the MIR system at Sberbank, it is necessary to consult with the client manager about the requirements for the company and the necessary documents to obtain such a card.

Documents for registration

To order a card, you will need to contact a bank branch, fill out a form and submit Required documents. For classic plastic and customer not retirement age This:

• passport of a citizen of the Russian Federation with a mark of permanent registration;
• if the appeal is not at the place of registration - temporary registration;
• a second identity document, usually SNILS.

For pensioners, the list is limited to a passport and a pension certificate.

Once an application has been submitted, it will be reviewed within two business days, then notified of a positive or negative decision.

How and where to get

Let's talk about the design and receipt of payment plastic "MIR".

At a bank branch

So far, this is the only available registration method, although Sberbank promises that during the first and second quarters of 2017 it will be possible to order the card online.

Many Russians, for whom it would be more convenient to leave an application for the production of payment plastic via the Internet, and then receive it by mail, are looking forward to this.

To open a MIR debit card, you need to contact any branch of Sberbank working with individuals.

Submit an application, wait for a response and pick up the finished card in a few days.

Once activated, you can immediately use it.

How long does it take to make

After the bank makes a decision to issue, debit is made within 2-3 days th. After that, it is transferred to the branch where the registration was made, and the client receives an SMS message about the readiness of the debit. After that, within 50 days from the date of receipt of the notification, it is necessary to pick up the card, after this period it will be destroyed as unclaimed.

Sometimes release dates may be slightly delayed, but not by much. Usually, the production of personalized plastic does not exceed 7 working days (weekends and holidays are not considered).

Activation

After receiving the card, you need to activate it. Usually, Sberbank managers offer to do this immediately at the branch, upon receipt - through an ATM or terminal.

The cost of the first year of service will need to be immediately deposited into the account. to make it active. If you have connected SMS notification services, then you should deposit funds with a margin.

The activation itself is carried out by the bank - within 5 minutes to 24 hours from the moment it is handed over to the client. You will receive an SMS notification that the debit has become active.

If you do not want to wait 24 hours, then you can use self-service devices in the department. Immediately after the first operation with the introduction of a PIN code (you will receive it in an envelope along with the card, you can change it through an ATM), the debit is activated automatically.

After that, employees in the branch will help you connect SMS notifications and Mobile Bank - after that you can start using it.

And what else is there? On our website you will learn about banking products and the cost of their maintenance.

Learn how to connect a phone number to a Sberbank card! What are the pros and cons of this bank?

Read about the features of obtaining a mortgage using maternity capital at Sberbank.

How to use plastic

Using a MIR payment card is no different from using a Visa or MasterCard. It is also accepted for payment through terminals, in a number of online stores and electronic payment systems, it can be used to withdraw cash from an account at any ATM that is a member of the system. You can find out that the ATM works with the MIR system by finding the corresponding logo on it.

When paying for goods and services in shops, cafes and other places, you must enter a PIN code. Contactless payment is still in the project.

The card must be carefully stored to avoid damage. and damage to the magnetic stripe. Remember to keep your PIN separately to avoid trouble.

How to check balance

To find out your debit account balance, can be used in several ways:

• request it at an ATM;
• use mobile banking;
• call the operator in the contact center;
• use the Sberbank-Online application, or its equivalent on the website.

For those who have the SMS notification service connected, checking the balance is not difficult at all. For only 30 rubles a month you will always be aware of all transactions made by you on the card: on crediting, debiting funds, account balance.

If there is a Sberbank ATM nearby, then it is very easy to request a balance. It is enough to insert the plastic into the device, enter the PIN, and select the balance check section on the screen. Then all that remains is to click the "Show balance on the screen" button or get it on the receipt. It's free.

You can check the account balance in this way using ATMs of other banks operating in the MIR system. But the cost of the service will be from 15 to 50 rubles.

Calling the contact center is also not particularly difficult.. It is enough to dial the number stamped on your card and wait for a connection with a specialist or use the interactive menu. Get ready to name the code word for data verification. You can check the balance from the phone specified in the service agreement.

Mobile banking - a special service for users of debit cards. To request a balance, it is enough to type the word “Balance” or balance in the SMS message, and indicate the last 4 digits of your card number. Send to number 900. In response, you will receive an SMS with the account balance.

Withdrawal, replenishment, commissions

Cash withdrawal is a standard process, it will require only the card itself, an ATM operating in the MIR system or its own Sberbank, and a PIN code.

Insert the plastic into the device, enter the PIN, select "Cash withdrawal" and the amount. After a couple of seconds, you can pick up the money and check.

Commission: when withdrawing at Sberbank - none, the daily limit is up to 150,000 rubles.

When withdrawing funds from a third-party ATM, you will pay 1.5% of the amount.

You can replenish your card account in different ways:

• using the cash desk in the branch;
• transfer from another bank;
• through an ATM with the function of depositing cash;
• through a payment terminal at a branch of Sberbank.
It is important to remember that if the account is not closed (and the card is destroyed or not used for a long time), you can become a bank debtor, as the account maintenance fee, annual card maintenance and mobile services continue to be charged.

Therefore, be sure to get a notification if you completely refuse bank services - or you then have a long procedure for correcting your credit history.