Jah Jah, Newbie (8), 77 days ago
It's good if young people live nearby and can tell everything, and if not, then how to apply for a pension on a card?
7 ANSWERS:
More than 400,000 Belarusians use plastic cards of JSC "ASB Belarusbank" to receive pensions
DNK, Expert (325), 74 days ago
But you will receive your next pension by transfer to a plastic card. Do not transfer your pension to a Sberbank card! Opening a card account and issuing a card is made by the bank free of charge.
Look carefully at the information on the website
mukca, Master (196), 67 days ago
Individuals who are entitled to receive a pension in accordance with the legislation of the Republic of Belarus can draw up a pension account with an increased interest. A Visa Electron card with a special design is issued to the pension account. At the same time, at the request of the client, another card can be issued to the pension account, incl. international.
Bank card VISA Electron JSB "Belarusbank" for pensioners
Maxim Postnikov, Student (18), 67 days ago
You can get an instant issue pension card. When issuing a card, a prerequisite is the crediting of the pension by the body that appointed and (or) paying the pension to the "Pension Card". Overdraft is the provision of a loan for an amount exceeding the balance of funds on the card account. How to issue: "Pension card" (and additional cards to it) can be issued: - in the Internet banking system; - in any division of Belinvestbank OJSC.
lio, Expert (463), 63 days ago
VISA Electron for pensioners is a unique card product of Belarusbank, designed for those who receive a pension benefit. The card is issued to the client upon presentation of a pension certificate and an identity document.
AV Freiman, Student (18), 57 days ago
You can issue a card at any branch of Belarusbank. Once a month, the long-awaited day comes for pensioners - the day when the pension is paid. Pensioners stood in endless lines to receive their well-deserved pension. At the moment, almost every bank offers the most convenient way receiving a pension - on a plastic card.
JС, Oracle (1377), 52 days ago
In addition to reliability, the bank offers a number of services that will become a pleasant addition to the pension received, namely, the accrual of monthly interest on the balance, etc.
Daria Makarova, Student (14), 49 days ago
You must take your passport and pension certificate with you. A bank card will be issued with an individual account attached. To work with the card, the following will be issued: login, password and details that may be needed if there is a need to enroll on it cash... Such a precaution is necessary in case the pension is not received on the card in due time.
Take a look at this site.
photo: promdevelop.ru
You can get a pension card at BPS-Sberbank, Belarusbank, Belinvestbank, Belagroprombank, Idea Bank and Priorbank.
For example, in BPS-Sberbank, the card for the Pensionny account is issued free of charge for a period of up to 3 years, and the interest income on this card is 3% per annum. At the request of the client, it is possible to certify one testamentary disposition and one power of attorney on the account.
Holders of pension cards have the opportunity not only to withdraw cash from ATMs and cash desks of the bank, to pay for goods and services with the card, but also to use the full range of services using BPS-Sberbank payment cards, including paying for an apartment, a mobile phone, and receiving interest on the card. on deposits, etc.
You can issue a pension card in all divisions of the bank. You must have an identity document (passport) with you, as well as a pension certificate or certificate in case of receiving a social pension.
Approximately the same conditions apply when issuing pension cards in other banks. Therefore, let us dwell in more detail on those discounts and bonuses that other banking institutions offer their customers.
So, Belinvestbank offers a slightly lower interest income - 2% - on its "Pension card". The card is issued for a period of 5 years, and it can be issued both at any branch of the bank, and using the systems "Internet banking" and "Mobile banking" without charging a fee during the validity period of the card.
It is possible to connect to the SMS-notification service at tariff plan"Prikhodny" - free of charge, it is also permissible to issue one additional card - no fee.
By the way, this card also has a discount and bonus program Motsnaya Kartka: Discounts are available at pharmacies, health centers, grocery stores and more. Also, within the framework of the program, there are special discounts and offers.
Pension cards within the "Care" package from Belagroprombank also have their discounts and bonuses. The Belkart "Care" card is issued free of charge. In addition, it provides discounts in the Planet of Health pharmacy network, cashback from operations cashless payment in trade and service organizations (grocery stores and pharmacies).
The second card from the same Belagroprombank - MasterCard Unembossed "Motsnaya kartka" - is provided for a period of three years and will cost 8 rubles for the client. Using it, you can take part in the Motsnaya Kartka program, in which discounts can reach up to 50% of the cost of a product or service, as well as receive cashback from non-cash payment transactions in trade and service organizations (grocery stores and pharmacies).
In addition, new retired clients and owners of the "Care" package within the framework of the "Taking care of you" advertising campaign of Belagroprombank can receive a gift from the bank at the client's choice 30.00 Belarusian rubles or a one-time quarterly subscription to a periodical.
In Belarusbank, you can also get several cards at once. The first of them "For pensioners" is issued free of charge for a period of 5 years, and the interest income on this card is 0.5% per annum.
Also on the card are provided as discounts within discount program"Wow! Discounts! ”And the possibility of receiving a reward (cashback) in the amount of 3% from the purchase of tickets for trains of the Belarusian Railways within the framework of the“ Express ”loyalty program.
The second card from Belarusbank BELKART-PREMIUM-Maestro is issued to members of the Velvet Club for 3 years. The cost of issuing a card is 12 rubles for registration at the bank's cash desks, 11 rubles for registration via Internet banking, M-banking, the bank's website, etc.
With this card you can get the same bonuses and discounts as with the first card "For Seniors". Also, this card provides for the possibility of returning funds (cashback) to the account from each purchase (payment) within the framework of the "Your bonus" program and other discounts.
Idea Bank on the card "To health" offers pensioners a wide range of discounts and bonuses. For example, 5% of the amount of all purchases in any pharmacy in Belarus, and as a gift - an insurance contract for medical expenses for a period of 1 year in the amount of 200 rubles, including up to 35 rubles for medicines.
This card from Idea Bank Belkart-Maestro is issued for a period of 3 years, and its cost is 7 rubles 90 kopecks. The bank offers free service cards when crediting 100 rubles (or more) per month to the card. Otherwise (for an amount less than 100 rubles), service of the card will cost 2 rubles per month.
Replenishment of the card through the "Settlement" system is carried out with a commission of 0.5%, and in Idea Bank branches - free of charge.
If we talk about Priorbank, then the registration of an ordinary Belkart Standard pension card for a period of 3 years is free of charge here. Additional income the account reaches 3% per annum. In addition to earning income, you can also save on everyday purchases, because when making payments with pension cards, the bank returns money (cashback) up to 2% of the cost of goods or services. Those. Cashback is a kind of discount from the bank, and it is summed up with discounts from stores, pharmacies, etc.
In addition, within the framework of the pension program, a discount card is provided for the Caring Pharmacy chain of pharmacies, which entitles you to a 5% discount on domestically produced medicines, medical equipment, medical products, dietary supplements and cosmetics.
Pension cards from the Priorbank of a higher segment - Visa Electron; Visa Classic and some others - issued immediately for 4 years. The cost of the card is 5 rubles.
All offers and discounts are in the table.
|
Bank / Card (account) name |
Card type |
Card expiry date |
Card issuance and maintenance cost |
|
|
BPS-Sberbank / |
MasterCard Standard / Visa Classic |
from 1 to 3 years |
At the request of the client, it is possible to certify one testamentary disposition and one power of attorney on the account. |
is free |
|
Belinvestbank / |
BELKART-PREMIUM-Maestro "Motsnaya kartka" |
2%. Discounts at companies participating in the Motsnaya Kartka loyalty program |
is free |
|
|
Belagroprombank / |
BELKART "Care" |
Discounts in the network of pharmacies "Planet of Health" up to 5%; 2% cashback in trade and service organizations that have been assigned MCC codes 5912, 5499, 5331, 5411, 5311 by the acquiring bank under the My Bonus loyalty program; (optional) |
is free |
|
|
Belagroprombank / package "Care", for those who receive a pension on the card |
MasterCard Unembossed "Moznaya kartka" |
Discounts at enterprises participating in the Motsnaya Kartka loyalty program up to 50%; |
Modern banking technologies can make life much easier for older people. Several large Belarusian banks with an extensive branch network and developed infrastructure offer a simple and convenient banking product - pension plastic cards.
We can say with confidence that a pensioner can find a bank branch near his home with an interesting and profitable offer for opening such a card, and subsequently withdraw money or make non-cash payments using the nearest ATM. Large banks place ATMs in their branches and near retail outlets in almost all districts of the city.
Documents required for opening a pension bank card:
- passport;
- pensioner's ID.
The main advantages of pension bank cards
1.Free
A number of free services are available to the holder of a pension bank card:
Issue of a plastic card;
Opening an account to which the pension will be transferred every month;
Service bank card during its validity period;
Internet banking and mobile banking service.
Sms-notification of the receipt of money on the account linked to the card.
2. Convenience.
A bank card for a pensioner will make the life of its owner comfortable and pleasant, save you from standing in lines at the bank, at the post office, in the store. Pension money is credited to the card quickly and on time. A free SMS confirmation is sent to the mobile phone.
Pay utilities, electricity, communication services without leaving home, sitting in an easy chair at a computer or in the park for a walk, using a mobile phone.
And you can go without commissions to withdraw cash from ATMs. It should only be remembered that withdrawal of money is possible only at ATMs of the issuing bank of the pension "plastic" and partner banks. Therefore, before withdrawing money, you need to be careful not to cash out money in a bank by mistake, which will require a commission.
A pensioner can easily pay for purchases in a store, transfer money to another account or receive remittance from relatives, as well as top up an account at a bank branch.
3. Profitability
For a pension card holder Belarusian banks are ready to offer pleasant bonuses - discounts on purchases in stores, pharmacies, various service services and interest accrual on the account balance in Belarusian rubles. The standard yield is at the level of the National Bank's refinancing rate and slightly higher. Some banks require minimum amount on the account for calculating interest. For example, Priorbank and Belinvestbank have set a threshold value on a pension card of 500 thousand Belarusian rubles.
As a reward, loyal clients - retirees can open a deposit in Belarusian rubles on very favorable terms. For example, Belagrombank offers the owner of pension plastic to open a deposit account in Belarusian rubles with a rate of 29% per annum. Available for holders of retirement cards and overdrafts. That is, a pensioner can borrow money from the bank for a while and exceed the limit of funds on the card account. For example, up to 10 million Belarusian rubles can be intercepted from Belinvestbank.
Review of pension card offers of large Belarusian banks as of July 22, 2015. The cards are issued in Belarusian rubles. The main condition is reaching retirement age and regular pension accrual.
| Bank | Belagroprombank | Belarusbank | Priorbank | BPS-Sberbank | Belinvestbank |
| Card type, issue cost | BELKART, free | BELKART, free VisaElectron, Maestro - for extra. payment within the package of services "Pension" | BELKART, free | Сirrus Maestro, Visa Electron, free of charge | BELKART, free additional Maestro-Premium card, free of charge |
| Opening conditions card accounts | Is free | Is free | Is free | Is free | Is free |
| Service cost | Is free | Is free | 4 500 BYR per month | Is free | Is free |
| Interest rate on cash balance | 25.5% (SR NB + 0.5%) | 25.5% (SR NB + 0.5%) for the amount exceeding BYR 1 million | 25% (SR NB) for more than 500,000 BYR | 25% (SR NB) | 21% for the amount over 500,000 BYR |
| Additional services | Overdraft with min. 1 million rubles, max. - double pension, discounts on purchases, free internet banking and mobile banking, the possibility of opening a deposit in Belarusian rubles at 29% per annum, free SMS notifications | Overdraft Pension package - 40,000 BYR: Internet banking and mobile banking, discounts in partner stores, SMS notifications. | Free internet banking and mobile banking, free SMS notifications, discounts in shops and service services, overdraft and free insurance for up to 2 million BYR. | Sms-notification is free of charge, other services are paid within the package "Pension-Legky". | Overdraft for no more than 10 million BYR during the year, discounts in partner stores, free internet banking and mobile banking, free SMS notifications, free e-mail statement |
| Whichever card you are looking for, we know how to help you. |
More and more modern pensioners, going on a well-deserved rest, give preference to pension cards, not wanting to stand in line for their money.
In addition, the choice today is not limited to just one bank. Now, for example, 6 banks offer special pension programs with all kinds of discounts and bonuses.
The cards themselves for people of the older generation are no different from any others issued by banks in Belarus. Unless only pensioners or people who are about to retire can issue them.
| Price | % on the balance | ||
| 0 | 3 | ||
|
0 | if the amount of balances is up to 50 BYN - 0.01 / if 50 BYN and more - 3 | |
|
0 | 2 | |
|
0 | 0,5 | |
|
at registration in a bank - 12 BYN / in SDBO - 11 BYN | 0,5 | |
|
8 BYN | 2, from 01.09.2017 - 0.1 | |
|
0 | 2%, from 01.09.2017 - 0.1% | |
|
service: 0 - when crediting 100 BYN per month to the card, otherwise 2 BYN / issue of the card 7.9 BYN | 0,01 |
As you can see, there are both paid and free cards. Some of them will be national - in other words, without the possibility of paying abroad. International cards will be issued by default BPS-Sberbank and Belinvestbank.
V Belarusbank at the request of the client, not a BELKART card, but any other card, including an international one, can be issued to the pension account. But for a fee.
V Belagroprombank from September 1, 2017, it will be possible to issue a Mastercard Unembossed Motsnaya Kartka card within the "Care" package. But, unlike BELKART, it will already be paid. In addition, from September 1, the account rate will also drop to a minimum.
V Priorbank instead of the free BELKART, any other card can also be issued. The cost of the card will depend on its type (from 5 to 315 rubles).
The interest rate on the pension account is applied depending on the daily actual balance of funds on the account. With the amount of balances up to 50 BYN, interest is charged at a rate of 0.01% per annum, with an amount over 50 BYN - 3% per annum.
How to attract a pensioner?
Many probably remember the time when pension cards simultaneously served as a good option for demand deposits with rates up to 20-30% per annum. But since in modern conditions this is simply impossible, banks have to look for other options in order to interest and attract the older generation to serve them.
Nice retirement card bonuses usually include:
Discounts in pharmacies and shops
- cashback
- insurance
- and even ... a subscription to your favorite newspaper.
And also - only for pensioners - banks can offer more profitable terms on deposits or loans.
| Bank / Card Product / Term | Cashback | Other services included in the cost of servicing the card | Other bonuses |
| in organizations of the category "Medicine" in the Republic of Belarus and abroad: pharmacies, honey. centers, dental clinics, clinics, hospitals, paid honey. services - 5%; in large chain stores - 3%; when making payments through RBS services in the ERIP system - 1% |
free SMS informing about incoming transactions / the opportunity to open a deposit "Classic Irrevocable up to a year" (in BYN for 9 months) with an increased rate of 1% / execution of powers of attorney and testamentary orders for the deposit / the ability to issue a loan "Time to Live" with a reduced rate by 3% | cashback within affiliate program bank in organizations of the "Medicine" category and in trade and service organizations in the Republic of Belarus - from 1 to 12% / 15% discount on voluntary insurance from injuries "Express" and (or) voluntary comprehensive property insurance and civil liability its users / discount program “Wow! Discounts! " | |
| 5% of the amount of purchases in any pharmacy in Belarus | free cash withdrawal in BYN at all ATMs in the Republic of Belarus (at ATMs of partner banks and other ATMs, withdrawals for an amount not exceeding 2,000 BYN) | as a gift a contract of insurance of medical expenses for a period of 1 year in the amount of 200 BYN, including up to 35 BYN for medicines | |
| loyalty program "Motsnaya kartka" / a gift from the bank for new customers - 30 BYN or a quarterly subscription to a periodical (at your choice) / voluntary insurance against injuries "Express" and (or) voluntary insurance against accidents at a discount | |||
| in pharmacies and grocery stores in the Republic of Belarus - 2% | free SMS informing about pension crediting / revocable deposit "Care" in BYN and revocable deposit " Deposit card»In BYN, USD, EUR | discounts in the network of pharmacies "Planet of Health" - up to 5% / a gift from the bank for new customers - 30 BYN or a quarterly subscription to a periodical (at your choice) / voluntary insurance against injuries "Express" and (or) voluntary insurance against accidents with discount | |
| in the Republic of Belarus and abroad: in pharmacies - 2%; in other trade and service organizations - 0.7% | free SMS informing about receiving a pension and about spending transactions with a card (from 50 BYN) | 5% discount in the network of pharmacies "Caring Pharmacy" | |
| - | free SMS informing about incoming transactions | loyalty program "Motsnaya kartka" | |
06:37 04.04.2018
You can get a card to which your pension will be transferred today in different banks of Belarus. Moreover, many of them offer various bonuses and discounts, as well as a small interest income.
You can get a pension card at BPS-Sberbank, Belarusbank, Belinvestbank, Belagroprombank, Idea Bank and Priorbank.
For example, in BPS-Sberbank, the card for the Pensionny account is issued free of charge for a period of up to 3 years, and the interest income on this card is 3% per annum. At the request of the client, it is possible to certify one testamentary disposition and one power of attorney on the account.
Holders of pension cards have the opportunity not only to withdraw cash from ATMs and cash desks of the bank, to pay for goods and services with the card, but also to use the full range of services using BPS-Sberbank payment cards, including paying for an apartment, a mobile phone, and receiving interest on the card. on deposits, etc.
You can issue a pension card in all divisions of the bank. You must have an identity document (passport) with you, as well as a pension certificate or certificate in case of receiving a social pension.
Approximately the same conditions apply when issuing pension cards in other banks. Therefore, let us dwell in more detail on those discounts and bonuses that other banking institutions offer their customers.
So, Belinvestbank offers a slightly lower interest income - 2% - on its "Pension card". The card is issued for a period of 5 years, and it can be issued both at any branch of the bank, and using the systems "Internet banking" and "Mobile banking" without charging a fee during the validity period of the card.
It is possible to connect to the SMS-notification service for the "Prikhodny" tariff plan - free of charge, it is also permissible to issue one additional card - without charging a fee.
By the way, this card also has a discount and bonus program "Moznaya kartka": discounts are provided in pharmacies, medical centers, grocery stores and much more. Also, within the framework of the program, there are special discounts and offers.
Pension cards within the "Care" package from Belagroprombank also have their discounts and bonuses. The Belkart "Care" card is issued free of charge. In addition, it provides discounts in the Planet of Health pharmacy network, cashback from cashless payments in trade and service organizations (grocery stores and pharmacies).
The second card from the same Belagroprombank - MasterCard Unembossed “Motsnaya kartka” - is provided for a period of three years and will cost 8 rubles for the client. Using it, you can take part in the "Motsnaya kartka" program, in which discounts can reach up to 50% of the cost of goods or services, as well as receive cashback from cashless payments in trade and service organizations (grocery stores and pharmacies).
In addition, new retired clients and owners of the "Care" package within the framework of the "Caring for You" advertising campaign of Belagroprombank can receive a gift from the bank at the client's choice of 30.00 Belarusian rubles or a one-time quarterly subscription to a periodical.
In Belarusbank, you can also get several cards at once. The first of them "For pensioners" is issued free of charge for a period of 5 years, and the interest income on this card is 0.5% per annum.
Also, the card is provided as discounts within the discount program “Wow! Discounts! ”And the possibility of receiving a reward (cashback) in the amount of 3% from the purchase of tickets for trains of the Belarusian Railways within the framework of the“ Express ”loyalty program.
The second card from Belarusbank BELKART-PREMIUM-Maestro is issued to members of the Velvet Club for 3 years. The cost of issuing a card is 12 rubles for registration at the bank's cash desks, 11 rubles for registration via Internet banking, M-banking, the bank's website, etc.
With this card you can get the same bonuses and discounts as with the first card "For Seniors". Also, this card provides for the possibility of returning funds (cashback) to the account from each purchase (payment) within the framework of the "Your bonus" program and other discounts.
Idea Bank on the card "To health" offers pensioners a wide range of discounts and bonuses. For example, 5% of the amount of all purchases in any pharmacy in Belarus, and as a gift - an insurance contract for medical expenses for a period of 1 year in the amount of 200 rubles, including up to 35 rubles for medicines.
This card from Idea Bank Belkart-Maestro is issued for a period of 3 years, and its cost is 7 rubles 90 kopecks. The bank offers free service of the card when crediting 100 rubles (or more) per month to the card. Otherwise (for an amount less than 100 rubles), service of the card will cost 2 rubles per month.
Replenishment of the card through the "Settlement" system is carried out with a commission of 0.5%, and in Idea Bank branches - free of charge.
If we talk about Priorbank, then the registration of an ordinary Belkart Standard pension card for a period of 3 years is free of charge here. Additional income on the account reaches 3% per annum. In addition to earning income, you can also save on everyday purchases, because when making payments with pension cards, the bank returns money (cashback) up to 2% of the cost of goods or services. Those. Cashback is a kind of discount from the bank, and it is summed up with discounts from stores, pharmacies, etc.
In addition, within the framework of the pension program, a discount card is provided for the Caring Pharmacy chain of pharmacies, which entitles you to a 5% discount on domestically produced medicines, medical equipment, medical products, dietary supplements and cosmetics.
Pension cards from the Priorbank of a higher segment - Visa Electron; Visa Classic and some others - issued immediately for 4 years. The cost of the card is 5 rubles.
All offers and discounts are in the table.
Bank / Card (account) name | Card type | Card expiry date | Card issuance and maintenance cost |
|
BPS-Sberbank / | MasterCard Standard / Visa Classic | from 1 to 3 years | At the request of the client, it is possible to certify one testamentary disposition and one power of attorney on the account. | is free |
Belinvestbank / | BELKART-PREMIUM-Maestro "Motsnaya kartka" | 2%. Discounts at companies participating in the Motsnaya Kartka loyalty program | is free |
|
Belagroprombank / | BELKART "Care" | Discounts in the network of pharmacies "Planet of Health" up to 5%; 2% cashback in trade and service organizations that have been assigned MCC codes 5912, 5499, 5331, 5411, 5311 by the acquiring bank under the My Bonus loyalty program; (optional) | is free |
|
Belagroprombank / package "Care", for those who receive a pension on the card | MasterCard Unembossed "Moznaya kartka" |