Sberbank debit SberCard for benefits and pensions

You can get the card for free — you won't have to pay a card issuance fee. Its maintenance will be just as free for you if you meet at least one of the following conditions:

• receive social benefits or pension payments to the card at least once every 3 months;
• pay for the SberPrime Start, SberPrime, or SberPrime+ subscription.

In all other cases, you will have to pay 150 RUB per month for card maintenance.

If you want to receive notifications about deposits and withdrawals from the account, you can enable transaction alerts. The cost of the option is 40 RUB per month if you receive social benefits or pension payments on the card. Otherwise, you will have to pay 99 RUB per month for the service.

Transaction alerts will be free for you if you have a SberPrime Start, SberPrime, or SberPrime+ subscription.

You can top up the SberCard for allowances and pensions without commission using standard methods:

• with cash at SberBank ATMs and cash desks;
• in cash at partner bank ATMs;
• via transfers from other banks by card number;
• via transfers from other banks by phone number through the FPS.

You can withdraw cash without commission at ATMs and cash desks of SberBank, subsidiary companies, and other banks within the approved daily and monthly limits. For exceeding them, you will have to pay a commission of 1%, but not less than 150 RUB.

You can check your daily and monthly limits in the SberCard for allowances and pensions terms in your personal account.

You can transfer money without commission between your own accounts up to 30,000,000 RUB per month. You can also send funds for free to other SberBank clients up to 50,000, 100,000, 500,000, or 1,000,000 RUB per month. In addition, you can transfer money without commission to clients of other banks by phone number via the Faster Payments System (FPS) up to 100,000 RUB per month. For exceeding this limit, you will have to pay a commission of 0.5%, but not more than 1,500 RUB.

The SberCard for allowances and pensions operates under the same bonus program as a regular card. Every month you can choose from three to five enhanced cashback categories. Their number depends on whether you have a SberPrime subscription or not.

Without subscription

Without any subscription, you can choose three enhanced cashback categories every month. SberBank accrues up to 5% of the amount for them. You can also get 0.5% for purchases outside of categories. The bank awards no more than 2,000 bonuses per month for them.

SberPrime Start

With the SberPrime Start subscription, you can choose four enhanced cashback categories every month. SberBank also accrues up to 5% of the amount for them. You can also get 1% for purchases outside of categories. The reward limit is 5,000 bonuses per month.

SberPrime

With the SberPrime subscription, you can choose five enhanced cashback categories every month. The bank also accrues up to 5% of the amount for them. You can also get 1% for purchases outside of categories. No more than 10,000 bonuses per month are provided for them.

SberPrime+

With the SberPrime+ subscription, you can choose five enhanced cashback categories every month. They also provide up to 5% of the amount. You can also get 1% for purchases outside of categories. The reward limit is 20,000 bonuses per month.

Also, regardless of having a subscription, you can get up to 70% in SberBank services.

The SberCard for allowances and pensions does not provide for the accrual of interest on the balance. But if you have savings and want to receive a small passive income from them, we recommend opening a savings account with a yield of up to 16% per annum.

This interest rate applies for the first 3 months from the opening date, provided you have never previously opened savings accounts with interest on the daily balance or the “Daily %” savings account.

Starting from the 4th month from the opening date, you will be able to receive only 10% per annum.

Pros:

• free card issuance and reissuance upon expiration;
• free use of the mobile app and online banking;
• free card maintenance subject to conditions;
• free card top-up with cash at Sberbank cash desks and branches, via card number transfer, and through the FPS;
• free cash withdrawals at Sberbank ATMs and cash desks, its subsidiaries, and other banks within limits;
• free transfers between your accounts up to 30,000,000 RUB per month, to other Sberbank clients up to 1,000,000 RUB per month, and to clients of other banks via the FPS up to 100,000 RUB per month;
• cashback accrual of up to 70% on purchases.

Cons:

• paid card maintenance if conditions are not met;
• high fees for cash withdrawals and transfers when limits are exceeded;
• no interest on the card balance.