The Government of the Russian Federation, with the direct participation of the Ministry of Finance, approved in 2015 federal program on implementation national system banking payments, independent of international processing centers such as Visa and MasterCard. The purpose of this decision was to ensure the security of financial payments within the country, including through card banking systems, due to the threat of sanctions against Russian systemically important banks. The immediate result of this decision was the launch of a national settlement program based on the MIR processing platform. As a result of this decision, a whole series appeared banking products, including salary bank cards MIR of Sberbank. This article will talk about the salary card, what features it has, what is unique, what restrictions there are, as well as how you can apply for it, how much it costs to maintain the Sberbank MIR salary card (hereinafter referred to as ZK).

Features of the salary project on the Mir payment system

The main parameters of the NPS MIR system, which provides for the use of bank cards to pay employees, are the following:

• territorial restriction– ZK are intended only for their use in Russian Federation. Use on trips abroad is not intended;
• basic currency unit ZK for all types of operations - exclusively Russian ruble;
• The application of the Labor Code is mandatory for all categories of workers receiving salaries from the Russian budget, including pensioners. This also includes categories of citizens participating in various social programs federal and regional level ( large families, disabled people);

The features also include the fact that the owner gets access to a number of preferential services. First of all, when lending, obtaining insurance or when purchasing goods and services at retail outlets participating in the bonus program under the auspices of NPS "MIR".

Advantages of salary cards of the Mir system

In addition to the obvious advantage of the ZK - protection from the sanctions of Western countries - one can also note its following positive qualities:

1. Issue and maintenance are free for ZK.
2. Absence of any commissions when the client receives cash, as well as when making payments.
3. Sberbank has one of the largest networks of offices and ATMs (ATMs) throughout Russia, allowing clients to use services even in the most remote settlements of the country.
4. No commission for transfers from one account to another within the same region.
5. The presence of various bonus programs, including such as “Thank you”, as well as cashback (compensation for part of the amount of purchased goods - up to 5%) for purchases in many stores and supermarkets in the country (especially in chain stores).
6. Possibility of making non-cash payments for payment for housing and communal services, payment state duties, fines, customs duties and other services.
7. Preferential programs for registration of consumer and mortgage loans for all Sberbank ZK holders.

Types of salary cards World

Sberbank provides several types of cards intended for various categories clients, employees of state and municipal enterprises and institutions. Let's talk about them in more detail.

Maintenance of Sberbank MIR salary card for public sector employees

For those who work in institutions financed from the federal, regional or local budgets, as well as those who have the status of a long-service pensioner and other forms pension provision, a special ZK is provided. It has the following characteristics (type “Social”):

• shelf life – 36 months;
• service for 1 year without commission;
• The minimum age of the client (card holder) is 18 years;
• Cash withdrawals from Sberbank ATMs are free;
• receiving money through ATMs of third-party banks - commission fee no more than 1%;
• the maximum limit for receiving money in cash (per day) is no more than 150 thousand rubles;
• free connection and service banking programs and applications such as " Mobile bank", "Autopayment" or "Sberbank Online".

For military personnel

The category of Sberbank clients to which military personnel belong (this fully applies to civil servants who receive monetary allowance through the Ministry of Defense of the Russian Federation or other departments), can use the ZK with the following additional characteristics:

1. Free billing service for the entire period or validity period.
2. There is a preferential scheme “Thank you”, which provides a refund of up to 20% of the amount of purchases made.
3. Possibility of commission-free transfer of money to other Sberbank accounts within the entire territory of the Russian Federation.
4. Preferential lending rate of up to 13.4% in annual terms.
5. No fees for SMS notifications for all client transactions.

For managers

For management personnel employed in government and municipal institutions, enterprises and other managers government organizations, you can choose the type of Sberbank MIR card - “Classic” and “Gold” (premium format).

Premium cards World

For wealthy owners of residential complexes, a premium product of Sberbank is provided, called “ Gold card" Its user, in addition to the standard options provided by the “Classic” card, has the following preferences:

• maximum daily limit receiving Money at ATMs (ATMs) – up to 300,000 rubles;
• The maximum daily limit on cash transfers has been increased to 500,000 rubles.

Also, the holder of a travel insurance policy has benefits when insuring foreign trips for all members of his family (wife, husband and children), as well as increased cashback.

MIR salary card from Sberbank: pros and cons

The main advantages of Sberbank ZK include:

1. Free issuance, reissue and service of cards.
2. Option to use cashless payments at all retail outlets in the country.
3. Complete protection for everyone financial transactions client, including from cyber fraud (due to holographic protection and the presence of a built-in software electronic CHIP).
4. Preferential and bonus programs for lending and insurance.

The main disadvantages of Sberbank ZK include:

1. Limited use outside Russia. Payments are made only in rubles.
2. Lack of any options for making purchases in online stores that provide other currencies.
3. Mandatory transfer of salaries of employees financed from government and municipal budgets, pensions and social benefits to MIR cards. The use of other processing platforms in salary programs is prohibited.

How to apply for a card for a salary project

IN general procedure The registration of salary cards for its employees is carried out exclusively by the employer - company, institution or public sector entity. For this purpose, the corporate service agreement form is used. But you can also apply for a MIR card yourself.

In the first case, to do this, it is enough to contact the nearest branch of Sberbank, fill out an application with the help of a manager, presenting an identification document - a civil passport, a military personnel ID card, etc. The card issuance time is 1–2 weeks.

You can also apply for a card remotely - through the bank’s website, using the link to fill out the client form. . Having entered his personal data, passport details and contact details into this form (this will take no more than 10 minutes), the client submits an application for approval.

If the application is approved, the bank notifies the client about the readiness of the card through the contact information that he indicated in his application. The delivery time in this case is 1–2 weeks.

It should also be noted here that Sberbank, as an additional option, provides for delivery of the ordered card directly to the client’s residential address. To do this, you must indicate the choice of this option when drawing up your application. This service is provided by the bank free of charge.

Service Features

Sberbank cards issued as part of salary project, have some of their own characteristics, depending on the category and type of customer service.

Price

The cost of service for different types of MIR cards issued by Sberbank is different. These products have the following parameters:

1. According to MIR cards "Social"- for free.
2. According to MIR cards "Classical"- 450 rub. per year (750 rubles - first year).
3. Maintenance of the Sberbank MIR salary card for military personnel and heads of government agencies is free.
4. For holders of the “Golden Card” card MIR of Sberbank– 3 thousand rubles. in year.

Salary card MIR Sberbank: conditions for transferring and withdrawing cash

For all types of Sberbank MIR cards there is size limit daily cash withdrawal through ATMs of 150,000 rubles. Maximum amount money transfer per day – 300,000 rubles.

For owners of premium products such as the “Golden Card” of Sberbank MIR, the daily cash withdrawal limit has been increased to 300,000 rubles. The maximum daily transfer amount to other accounts is 500,000 rubles.

Validity period, reissue

The validity period of cards issued in the form of the Sberbank MIR salary project is 36 months. Reissue of all types of cards in as usual is carried out free of charge. For cases where the “plastic” is lost or damaged, re-issue will cost the client 80 rubles.

conclusions

The main conclusion when analyzing the conditions of use, advantages and limitations of Sberbank MIR salary cards is that despite the impossibility of using them abroad, within the country this is the most profitable option for managing personal financial assets and savings. No other credit institution has similar benefits for services, bonuses, loans and cashback.

In contact with

The country is thriving, and today we will talk about the domestic product, the Russian national payment system, which is trying to conquer the vastness of our country and displace Visa and MasterCard. It is clear that she will never succeed, but her efforts and attempts can be seen with the naked eye. In general, the system itself is not so bad, but it does not have any great advantages. Let's find out what the World card from Sberbank is and why is it needed?

Classic card

pros

• Large cash withdrawal limit.
• Free issue.
• When applying for a salary card annual maintenance may be free under certain conditions.

Minuses

• The Sberbank World payment card has a service fee of 750 rubles per year. Yes, from the second year it’s 450 rubles, but it’s still very expensive.
• SMS banking is paid, although cheaper than other Sbercards.

Gold card

Pros

Minuses

• Just a plastic card with gold paint for 3,000 rubles per year. Why is it needed? - No one knows.

Pension card

pros

• Free social card world from Sberbank in every sense.
• Interest on funds balance up to 3.5% per annum. True, other banks have interest rates up to 8 or even 9. But at least for that, thanks to the big green banking monster.
• There is the possibility of payment, communication, telephone, Internet and other services through Internet banking.

Minuses

• The pension product lacks free mobile banking.

What is the MIR payment system?

More recently, after the crisis, when, due to sanctions, some banks in our country simply evaporated, since licenses for the use of payment Visa systems and their MasterCard was revoked. Many of our financial leaders were afraid of complete collapse banking structure due to the fact that, as always, we all use Western, and not our own.

And then a brilliant idea came to them - to make their payment system a national, Russian one. IN general PEACE exists since July 2014. At first there were a lot of bugs, the system was down, some payments didn’t arrive or took months, but they tried to fix it as soon as possible. Now it is more perfect than then, but there are still errors. In general, it is practically no different from and, if you use it in your homeland.

General advantages

1. All cards are issued free of charge and issued at all bank branches.
2. Cash withdrawal is free at Sberbank ATMs, of which there are quite a few.
3. Even if all our banks fall under sanctions, you will still be able to make purchases with MIR cards. But you don’t have to worry about this, since the turnover within the country using these payments is huge and the West will never give up such a huge piece of the pie.
4. Convenient Internet banking and mobile app from Sberbank.
5. Own, domestic, folk technology remote payment– MIR Accept. In general, it is not very necessary, but sometimes it is convenient.

General disadvantages

1. What the hell, MIR cards cost the same as Visa and MasterCard? It’s a little unclear here that a domestic product costs the same, but has fewer advantages. Many people say that the service for MIR cards at Sberbank is greatly overpriced.
2. From January 1, 2018 all government agencies, as well as pensions will be issued only to MIR cards. Yes, of course, you can refuse to receive it, but then you will receive your salary the old fashioned way at the cash register.
3. There is only one currency and there will always be only the ruble. You cannot open additional foreign currency accounts.
4. So you, so handsome and pale, went to the sea in another country, inserted a World card there, and the ATM sent you far, far away. You will not be able to withdraw or send money abroad. Many government officials are beginning to come up with fairy tales that someday these cards will be used there, but unfortunately, this will never happen. Think for yourself, there are two giants Visa and MasterCard from the Americans, do you think they will launch the Russian payment system MIR? The maximum where it will be ranked is the CIS countries.
5. Not all terminals and stores accept this card yet.
6. There are still shortcomings in the payment and transfer system.
7. Only the issue of MIR debit cards has been established, credit cards no glasses yet!
8. Registration is only for now individuals. Perhaps in the future there will be new programs for legal entities. persons

Bonus program Thank you

1. 0.5% of all card purchases.
2. This program is used by all Sberbank products.
3. You can receive up to 20% on purchases from bank partners.
4. Full list of partners, as well as for more detailed information look here – https://spasibosberbank.ru/

How to get a card?

Client requirements

1. Citizenship of the Russian Federation (It is also possible for a foreigner to obtain it, but this needs to be clarified at the bank branch).
2. Age – from 14 years (For pension card from 18 years)
3. Registration, registration and residence on the territory of the Russian Federation
4. If you want to receive pension card, then you must have all rights regarding the legislation of the Russian Federation.

How to order online?

How to quickly get a world card from Sberbank?

1. Go to the website - https://www.sberbank.ru/ru/person/bank_cards/debet/mir
2. Read the terms and conditions.
3. Click on the button "Order online"

1. Enter: Full name, First and last name on your future card, Date of birth, Place of birth, Citizenship, your email and your mobile phone.

1. Next, you will need to fill out your passport information. Fill them out very carefully.

1. We fill out the information from your passport about the place of registration, and later write the address of the Sberbank branch where it will be more convenient for you to pick up the card.
2. After some time, a bank employee will contact you and clarify the information.
3. In approximately 7 business days, your card will be ready and you will receive an SMS message with the address where you can pick it up.
4. You will need to take your passport with you to the bank branch.

Office decoration

1. To apply for a Mir card, you need to go to any Sberbank branch with a passport or identification document.
2. Fill out the form and application.
3. In about a week you will be notified that it is ready, and you can pick it up there.

How to receive a pension on it?

1. To do this, you will need to visit a bank branch with your passport and pension certificate.
2. You fill out and receive the card itself with documents and an agreement.
3. Next, you have a choice: either you fill out an application for a pension at the bank itself, or you go to Pension Fund or MFC and fill it out there, but then you will need to enter the card account number (do not confuse it with the card number) it is in the agreement that you will be given when you apply for the plastic card.

How to receive a salary on a MIR card?

To do this, your organization must have a salary project with Sberbank. After which, your accounting department will do everything itself and issue a world map, and you will only have to pick it up at the nearest branch. In general, the Mir salary card in the future will be free of charge for salary earners.

About contactless technology

Many World cards have technology contactless payment– MIR Accept. Visa and MasterCard have the same technologies. The point is that you can simply swipe next to a special terminal and the money for the purchase will be debited from your card. When paying up to 1000 rubles, a PIN code is not required.

In general, our citizens are generally not interested in all these contactless things, and they use plastic the old fashioned way. I can’t say that this innovation makes life much easier, but sometimes it can be very convenient.

What will happen in the future with MIR cards? (Maybe)

1. Sell ​​MIR cards to all state employees.
2. Speed ​​up the exchange of information in the system and increase the speed of sending transactions.
3. Open a series of MIR credit cards.
4. Deliver debit cards by mail to anywhere in the country and even to the CIS countries.
5. Implement technology in foreign countries. But it will most likely be possible to implement it only in the CIS countries, and that’s not a fact.
6. Introduction of additional bonus and cashback programs.
7. The system itself will later enter into partnerships with large stores and companies. That is, when purchasing goods in such stores from any MIR card, you will receive bonuses and discounts.
8. Planning to bring MIR to the world stage. Now I will express my opinion: it is more likely that aliens will arrive to teach us how to make counterfeits from dung than this will happen, since the two giants Visa and MasterCard will never share their territory.
9. Perhaps the release and maintenance will be very cheap - almost free.

Card replenishment

How to quickly make a transfer to your Mir card from a Sberbank card? there are several ways:

1. Mobile bank
2. Sberbank Online
3. Mobile application for IOS or Android.
4. At an ATM with the Cash-in function
5. Through an office or branch of Sberbank.

About security

1. World cards are no different from other plastics.
2. They have an internal chip and magnetic tape.
3. All external details are the same as for any bank card according to international standards.
4. Connected technology, which partially allows you to protect funds on the Internet. But it is possible, and there are services that accept payment without her participation - remember this.

RESULT! No better or worse than other banking products in terms of protection.

Why are Sberbank MIR cards better than others?

Generally speaking, Sberbank has a huge number of disadvantages: expensive service, paid Internet banking, no regular income cards, no cashback, slow bonus program"Thank you". There are cards from other banks that are several times more profitable and better, but there is one thing.

Sberbank is the most reliable bank today, which will probably never close and its license will not be revoked. The second advantage is that finding an ATM or terminal is not a problem at all, and they are everywhere.

CONCLUSION! Unfortunately, but this moment The MIR cards themselves are still lagging behind the same ones Visa cards and MasterCard.

Full tariff of a regular card

Full pension card tariff

In more detail, you can download all tariffs for all debit cards from the official Sberbank website using this link - http://www.sberbank.ru/common/img/uploaded/files/pdf/person/bank_cards/Debetovye_karty_Tarify.pdf

Still have questions?

If you did not find what you were looking for or you still have additional questions, then you can go to the bank branch itself or call the number hotline 8 800 555 55 50 or 900 - For mobile numbers. You can visit the official website of Sberbank and see other products there - www.sberbank.ru/

Other banks issuing Mir cards

1. Tinkoff Bank
2. Rosselkhozbank
3. BinBank
4. VTB 24
5. Eastern Bank
6. Svyaz-bank
7. Asia-Pacific Bank
8. Bank Rosgosstrah
9. Promsvyazbank

The emergence of new payment systems, especially large ones, is a rare occurrence: transactions around the world have long been divided between MasterCard, Visa and Maestro. In this regard, the capabilities of the new system are not known and understood by all users. How to use the new payment card most effectively MIR systems, and there will be this article.

If it were not for the anti-Russian sanctions introduced in 2014, MIR might not have been developed by Sberbank. However, in the context of confrontation with Western countries, banking system Russia needed a stable and effective instrument, independent of the actions of foreign governments.

It happened that Visa or Mastercard users simply could not cash out money, use services, etc., the problem became especially acute for Crimeans. In this regard, in 2015, “MIR” appeared, and with it the classic “MIR” salary card from Sberbank.

In terms of functionality, MIR is no different from its Western competitors, with the exception of the account currency (can only be opened in Russian rubles) and place of validity: cards based on this payment system work only in Russia.

Pros and cons of the MIR salary card from Sberbank

Of course, it is impossible to call the card an exclusively useful or harmful innovation. Depending on the type of activity and frequency of use of financial instruments, the convenience of the card is assessed differently.

Advantages

• Thanks to working with the largest Russian banking organizations (Sberbank, VTB and others), the system is not subject to interruptions. At the same time, the likelihood of foreign interference, from blocking accounts to limiting functionality, is completely absent;
• The project is supported by the state, thanks to which the speed of movement of funds, transfer of salaries and other transactions is maximum;
• This card is the only salvation for Crimeans. Finding themselves in a difficult situation, they are closed as Ukrainian financial instruments, as well as foreign payment systems like Visa or Maestro. In turn, “MIR” fully satisfies the needs of the population;
• Civil servants and other budget employees do not pay for card servicing (provided that a salary project has been issued);
• Since the project as a whole is being promoted by Sberbank, when making payments using the MIR card, various bonuses are awarded to it, including as part of the “Thank You” program.

Flaws

• Working within the Russian Federation can also be a disadvantage, especially for those who often travel or go on business trips. When you try to withdraw money abroad, the ATM will display a message about an unrecognized payment system;
• The problem of paying for purchases in foreign online stores is also related to this. Cooperation in this area is developing extremely slowly;
• If the user has opened an account within this system, using Visa or Mastercard is impossible. You can bypass the restriction only by opening a new account;
• Annual maintenance for Gold category cards costs as much as the average amount required for 3-4 regular debit cards. Thus, not everyone can afford some of the bank’s offers;
• As of 2019, Sberbank issues only debit and salary cards(based on the MIR system). If the user needs a credit card, it will have to be opened in another bank or to another account;
• It is impossible to open a MIR account in dollars or euros, only in Russian rubles;
• Because of short period of time, which has passed since the appearance and first distribution of cards, the scale of the system still leaves much to be desired. Not all banking organizations, ATMs and stores issue and accept cards based on MIR.

What types of cards are there?

For 2019, users have access to Classic (salary), Social and Salary Gold card"MIR" from Sberbank, varying in conditions and tariffs.

1. The classic one is issued to employees in the public sector, as well as to everyone who wishes to apply for it;
2. Social was specially designed for pensioners, beneficiaries, etc.;
3. The gold card is issued by decision of the company management to top managers and key positions of the enterprise - it gives more points on purchases and is valid for five years.

The issuance of credit cards is not yet supported, but Sberbank announces their possible imminent introduction. The difference between the types is the cost of service, commission for cash withdrawals, etc. basic conditions. Since the Classic card is the most popular, we will talk about it further (the Gold category card is discussed in more detail).

Terms of use

The main and basic requirement is that the account must be opened on the territory of the Russian Federation and always in Russian currency. Otherwise, bank employees will simply refuse to issue a card. Other conditions are shown in the following list:

• The validity period does not exceed 36 months (3 years);
• For state employees who are required to receive a MIR salary card from Sberbank, the service is provided free of charge;
• The holder must be at least 18 years old;
• Issue of additional cards is not possible;
• Cash withdrawals from Sberbank ATMs are free of charge, from ATMs of other organizations - 1% of the amount, but not less than 100 rubles;
• If the user has issued a MIR Sberbank card outside of the salary agreement, the annual service will be 750 rubles for the first year of use and 450 rubles for the next two.

In addition, if the user wants to enable SMS notifications, the cost of the service will be 60 rubles per month. A full description of tariffs is provided.

How and where can I get it?

The method for obtaining a card depends on the purpose for which the user wants to receive it: as a salary or debit card.

A salary card can only be obtained with the participation of the employer. He compiles a list of employees who issue the card according to at will(for state employees, registration takes place in mandatory), then a collective agreement is concluded with Sberbank. After this, the employer, within the period established by the contract, transfers the finished salary cards to employees.

If the user wants to get a regular debit card based on the MIR system, it can:

1. Order a card online from Sberbank. To do this you need to follow the link https://www.sberbank.ru/ru/person/bank_cards/debet/debetcardonline?ctype=200000022 and enter personal and passport data in the appropriate fields, send a scan of your identification document, and confirm the procedure via SMS. Next, the user will be asked to select the address of the Sberbank branch where the finished card will be delivered.
2. You can appear in person at any time territorial office Sberbank and fill out an application. The process of filling out the document is completely supervised by Sberbank employees, so the procedure does not take much time. The only documents you need to take with you are your internal Russian passport.

In both cases, issuing a card does not take more than two weeks.

Is it possible to refuse to issue a card if the employer insists?

In a situation where a person receives money, one way or another through the mediation of the state (public sector employees, students receiving scholarships, and so on), It is impossible to refuse the card.

The reason lies in the President's signature Federal Law dated June 27, 2011 No. 161-FZ. In particular, in paragraph 5.3 of Art. 30.5 lists the categories of persons for whom issuance of a card is mandatory.

Refusal to issue a card may result in either dismissal from the organization or administrative offense(in accordance with Article 34 of this Law).

How to deposit or withdraw money?

You can replenish your MIR card at any Sberbank ATM; replenishment occurs completely without commission. If the user wants to top up the balance at an ATM of another organization - for example, VTB - the commission depends on the policy of the enterprise that owns the ATM. As a rule, there is no commission for replenishment.

In addition, you can top up your card at a Sberbank branch, and it’s completely free. This can also be done using Sberbank Online and electronic payment systems (Webmoney, Qiwi, and so on).

Withdrawing money follows the same principle as with regular cards: at a bank branch or at an ATM. When cashing out, you need to take into account that each user is given a monthly limit of 150 thousand rubles.

If the limit is not exceeded, cash withdrawal occurs without commission; if an excess does occur, the amount withdrawn above the limit is subject to a commission of 0.5%. Money withdrawn through ATMs of other banks arrives in even smaller amounts: Sberbank provides a commission of 1% of the withdrawn amount, but not less than 100 rubles.

Video on the topic

The information will be of interest to patriots of their country: cards of the Mir Sberbank payment system are provided only in rubles and are accepted for payment throughout Russia. Consumers are offered two plastic options: classic debit or pension. For ease of comparison, conditions and tariffs are shown in the table.

	Debit classic “Sberbank MIR”	Pension card "Sberbank MIR"
Users	All interested residents of the Russian Federation	Preferential categories receiving pension accruals through Sberbank
Card issue	Produced for free
Annual maintenance cost	First year - 750 rubles, and 450 rubles for each subsequent year	Free for service additional card payment will be 150 rubles
Cash withdrawal fee	Free at SB ATMs. In others credit organizations commission is 1% (minimum 150 rubles)	You can withdraw money from Sberbank ATMs without commission. You cannot withdraw funds from other banks. Interest is charged on the balance - 3.5% per annum
Mobile bank with SMS notification	Full package - 30 rubles per month. Free in the Economy package	The first two months are free, then 30 rubles per month
Cash withdrawal limit	150,000 rubles per day, 1,500,000 rubles per month
Nice bonuses	Participation in the “Thank you from Sberbank” program

April 20, 2017 The State Duma of the Russian Federation adopted in the third reading a bill on the gradual transfer of all social payments and payments to state employees and pensioners to the MIR card. Moreover, by law, this card will have to work flawlessly in all the mentioned banks, including self-service terminals and ATMs. Deputies set the deadline by which banks must adapt the MIR card to July 1, 2017.

May 1, 2017 on a holiday, Putin signed a law on the mandatory transfer of state employees to Mir cards

When conducting a social survey among the population, about 70% of citizens previously expressed that they did not want to start this map. Many of the people interviewed said that they did not know any information about this card, and did not understand at all why it was needed.

Who is the MIR card suitable for?

The card is suitable for all citizens of the Russian Federation who are over 18 years old and have permanent registration in one of the regions of the country. Preferential conditions pension product attracts the attention of users to it, but in addition to desire, a number of requirements must be met:

• have the right to receive a pension in the Russian Federation;
• age from 18 years;
• permanent or temporary registration on the territory of the state.

You can even get a MIR pension card to a foreign citizen or a stateless person, the main thing is age and the right to receive social benefits.

How to get a MIR card

What documents are needed and how to get a MIR card, see here. Plastic is issued only at Sberbank branches, so the only thing that is necessary is to take the application to the nearest office. A photocopy of your passport must be attached to the application (the inspector will do this when accepting the documents). Additionally, a second document may be required, most often this is SNILS, and a pension certificate (if you receive a pension product). You will also have to fill out a form with personal information. Next, Sberbank approves the documents and produces the card within 2-3 business days. The client is notified by SMS that the product is ready. To pick up the card, you will again have to come to the Security Service office with your passport.

How much does registration and annual maintenance cost?

Regardless of the choice of program, the card is issued absolutely free. To activate the card, payment for the first year of service is important; if 750 rubles seems like a lot of money to you, see if there is now a loyalty program with a reduced rate.

Please note: if you receive a card as part of a salary project, it is possible to issue plastic with free annual maintenance. IN in this case profitable MIR card from Sberbank for state employees, receiving a small salary.

How to top up a MIR card

Bye bank card MIR Sberbank is a debit bank and can only be used with a positive balance. There are four main ways:

1. Through an operator in the Security Service department;
2. transfer from another bank;
3. using an ATM with a cash deposit function;
4. through payment terminal Sberbank (look for the MIR logo on it).

Life hack: if you want to be serviced through the MIR system, then contact the bank manager and find out what requirements are imposed on the company to issue a salary card. Perhaps your card is about to expire and this is also a good opportunity to change to MIR plastic.

Where is the MIR card accepted?

"Sberbank" - Cards WORLD

In Moscow and St. Petersburg, cards can be used to pay in stores, pharmacies, cinemas, restaurants, cafes, withdraw money from ATMs, and pay for purchases in Russian online stores. They promise to establish acceptance of Mir cards in most major cities of Russia in 2017, stay tuned for announcements.

Additional options:

• Connecting the Autopayment service to make payments for cellular communication, housing and communal services, Internet;
• Non-cash transactions at ATMs and self-service terminals;
• Account management using remote services “Mobile Bank” and “Sberbank Online”;
• Possibility of connecting to a program of discounts and special offers from international system MasterCard.

Life hack: look carefully at the door of the institution where you are going to pay with plastic. If there is a MIR card logo on the door or next to the cash register, then you will be able to pay for purchases.

What commissions are taken?

All procedures for the Sberbank MIR card in devices owned by Sberbank , are held free of charge. You will only have to pay the commission third party banks– when withdrawing cash 1.5% of the amount. Despite the fact that the system is Russian, subsidiary banks issue cash even abroad without commission.

What do users think about the MIR card?

Despite the fact that the product entered the market in 2016, consumers appreciated it. Here are the reviews users leave about the MIR card of Sberbank of Russia .

Olga, St. Petersburg, “The employees of our kindergarten were given MIR cards from Sberbank. We are wary, everything new causes internal protest. In six months we got used to plastic, it’s no different from Visa cards, except that you can’t go abroad, but I don’t even have such funds.”

Valentina Vasilievna, pensioner “I’ve been using it for three months social card world Sberbank. My pension is always transferred on time, I withdraw money only for essentials, and I pay utility bills at a nearby savings bank. I’m saving for a new computer for my grandson, it’s good that interest is charged on the balance.”

Natalya, Moscow “I received Plastic MIR out of curiosity. I know that China and Japan have long had their own payment systems. I'll check how the Russian one works. It took three days to process the card and receive it. I tried it in networks such as Semya, Perekrestok, and the nearest pharmacy. THE WORLD works! It seems that the Russian payment system has been a success. Much better than the Lada Granta :) Even though the project is only a year old. I hope that the developers will finalize the contactless payment function. Then it will really be WOW!”

VIDEO - the MIR card is already in Sberbank

Salary card"Mir" Sberbank for public sector employees - a domestic analogue payment system, intended for wide distribution mainly in the public sector and the calculation of salaries and pensions. Although such cards appeared not so long ago, they have become widespread. In this material we will look at the causes, features, positive and negative aspects of the new solution from Sberbank.

Sberbank World Map for budgetary institutions

The current situation in 2014 is unstable financial relations with other countries contributed to the emergence of a unique bill proposing the creation of our own payment system, which could protect Russian residents from possible third-party sanctions. The proposal took its final form in 2015, and the main advantage of the Mir salary card is the absence of external influence and the use of exclusively state currency. The release of the card was accompanied by a new bill, according to which, all budgetary institutions are required to begin the transition to the Mir payment system from July 1, 2017.

The established deadline for issuing new cards is 1 year; by July 1, 2018, all government agencies must be transferred to this payment system.

There are currently 3 types of cards available:

• standard – salary and pension option;
• credit – financial limit set by the bank that issues this type of card;
• premium solutions for big business, offering unique opportunities.

As for pensioners, the issuance of new cards will last until 2020. People living in remote places where it is not possible to withdraw money from an ATM have the right to fill out an application to refuse to use the Mira program and accept pensions in cash through the postman. This option was accepted positive reviews among the population.

The key advantages of the Mir payment system include:

1. presence of 4 levels of protection against hacking. The latest technical and software developments in this area are used to ensure card protection. Since the Mir system appeared relatively recently, it can be called one of the safest payment systems to date;
2. official governmental support this payment system, which contributes to the emergence of many pleasant offers and promotions;
3. high speed of all operations: replenishment, payments and transfer of funds;
4. guaranteed stability. “Mir” is actively supported and distributed by the state, which indicates the durability of such a system. Unlike Visa and MasterCard analogues, Mir will always be available for service in Russia;
5. interest-free transactions at ATMs of issuing banks.

In addition, there are pleasant promotions when working with the system:

1. State employees and pensioners have the opportunity to accumulate the balance of funds on their balance sheet, thanks to the presence of a standard interest rate. You can find out the latest information on the official website of Sberbank;
2. many promotions in government stores and when paying for services. It is worth noting the possibility of purchasing a domestic car on credit for more than low percentage using the Mir payment system;
3. low cost of service in comparison with their foreign counterparts, this issue will be discussed in a separate paragraph;
4. the number of banks servicing and issuing cards is constantly increasing, each of which is trying to create competitive conditions to attract new customers.

This may include:

• poor integration with other payment systems, affecting the ability to pay for goods and services abroad. At the moment, you can connect Mir to MasterCard and JCB;
• application modern technologies to ensure security affect the price for the bank issuing this card. The production of foreign analogues is much cheaper;
• Not all stores and payment points have yet enabled payment using the domestic payment system, which may affect the ability to pay for the purchase of a certain product or service.

Annual maintenance of the Sberbank Mir card for public sector employees

The “Mir” card issued by Sberbank for public sector employees, the pros and cons of which indicate the prospects of the system, offers a low cost of service, which can be a key factor for many users.

There were also shortcomings of the system, which were predominantly temporary.

If you work in the public sector or receive a pension, the card issued to you will be serviced completely free of charge. If the solution was purchased separately, the cost of the first year of service is 750 rubles, subsequent years – 450. This option is more profitable than the offer from foreign analogues.

Sberbank “Mir” card for public sector employees “salary”: cost of service

The most popular today is the Sberbank Mir card for public sector employees, a “salary” card, the annual maintenance of which is free for public sector employees. You can take advantage of this solution by writing an application to replace the card at the nearest branch of Sberbank or another issuing bank.

If your request meets all established conditions and is supported state program for replacement plastic cards– issuance will be free of charge.

Once you receive the card, you can use:

• instant payments and money transfers no commission within the system;
• well-thought-out Internet banking with an intuitive interface;
• additional functions, accumulation of funds, frequent discounts and promotions.

Although this solution has some shortcomings, they are quickly corrected. The list of stores connected to the system is constantly growing, which expands the possibilities for making purchases.