Interest rate on the pension card of the Russian Agricultural Bank. Russian Agricultural Bank pension card. Pension card at Rosselkhozbank: interest for pensioners

When choosing a salary or pension bank card, the client first of all pays attention to the reputation of the organization, the satisfactory terms of the contract. In this article, we will consider payment cards provided by the Rosselkhokhbank banking organization, and note the main advantages.

The most recent payment system, which all modern banks in our country are guided by, is MIR. Rosselkhozbank is no exception.

Profitability of receiving salaries and pensions on the Mir card of Rosselkhozbank

Rosselkhozbank is constantly improving the system of services to improve the convenience of servicing its customers. The same applies to the proposed package of services included in the cost of pension and payroll plastic cards.

The advantages of Rosselkhozbank are not limited to the high quality of service and the regularly expanded range of services provided. The bank compares favorably with its competitors by a high rate (up to xs how much%) on the balance of funds of card account holders and low commissions for interbank transfers.

Benefits of the RSHB pension card

• Affordable service price ( 900 rubles in year).
• Short waiting time for the issue of the ordered card (about 2 days)
• Cash withdrawals are made without commission.

Be sure to pay attention to the paragraph containing information about the bonus program provided only to the owners of the MIR Classic Card.

A salary card, like a pension card, provides for cash withdrawals without paying a commission only at their own ATMs, which you should pay attention to. However, Rosselkhozbank customers are given the opportunity to withdraw money without commission from ATMs of other organizations only once a month.

Limits. On a regular card, there is a limit of RUB 75,000, on nominal - RUB 150,000. The functionality of the service package provides the owner with the opportunity to set the limit himself, which is very useful in case of theft of a plastic card. This can be done online on the bank's website https://www.rshb.ru/

Important: if interest is accrued when funds are credited to the card, then setting a limit is a mandatory item when concluding an agreement.

Below is a table of the cost of cards in accordance with the current exchange rate (04/16/2018)

Rosselkhozbank offers three tariff projects: Salary, Capital and Social. The advantage of the salary project is that your employer can pay the annual cost of maintenance, which is very convenient.

Rates supported by the above cards:

• Amur tiger. In accordance with this tariff, payment for Instant service for the entire period is made in the amount of 300 rub, and Classic and Virtual are paid at the same cost.
• Travel map. The cost of services up to the classic level is 99 rubles. and up to gold inclusive 299 rubles, annual 100 rub. and 300 rub. respectively. Important: free service is available with a turnover of funds in the amount of 20-50 thousand rubles.
  Pension rate is free.
• Rosneft. The owners of this tariff plan pay for the annual service of the Instant and Classic cards in the amount of 900 rub. Important: If the client has a special promotional code, the cost of service is reduced to 50 rub. for the first year.

How is interest calculated on the balance?

Interest on the balance on the MIR card is calculated as follows: taking into account the annual interest rate specified in the agreement, monthly accruals are made on the card, depending on the amount of funds previously available. The accrual percentage occurs only if the amount of funds is different from zero, i.e. positive.

The Rosselkhozbank pension card, which offers especially favorable conditions for senior citizens, will help to receive a pension and additional income in the form of interest on the balance. Increased income and preferential service for debit plastic require compliance with a number of nuances. It is necessary to study how to optimally accumulate and spend funds with maximum profit.

Pros and cons of a pension card at the RSHB

Most cards are issued with support for Visa and Mastercard international payment systems, however, most of these offers involve a high annual service fee. The issue of plastic with the domestic payment system Mir allows you to have additional savings without losing any of the quality characteristics and payment capabilities of the card.

The Mir pension card from Rosselkhozbank provides only ruble storage of funds, which is quite consistent with the needs of retired citizens.

The advantages of a debit-type product from RSHB include:

1. Free service.
2. Free issue based on the domestic payment system.
3. Free cash withdrawal without charging commissions at ATMs of the RSHB and its partners (within the established limits on the amount).
4. The possibility of obtaining a consistently high income (depending on the amount of storage - up to a guaranteed 7 percent per year).
5. Participation in the issuer's bonus program with the accumulation of points for each spent 100 rubles.

The negative aspects of using Mir plastic include the impossibility of storing, spending, accumulating interest in foreign currency, as well as the limited geography of application (only within the country) and service.

In addition, the card does not involve withdrawing large amounts from ATMs, which must be taken into account when planning cash withdrawals in especially large amounts in the near future.

Earning a 7 percent income actually means receiving a small additional pension during the year. Given their modest incomes, such an increase would be very useful for pensioners. However, the calculation of interest depends on the amount that is stored in the account of the debit card holder:

• in the amount of 500 thousand rubles are charged at a rate of 7%;
• with a balance of more than 100 thousand, accrued income will be 6%;
• if there is more than 50 thousand rubles, the interest on the balance on the card for the year will be 5%;
• any balance exceeding 100 rubles gives an annual income of 4.5%.

Thus, there is no need to keep large amounts in the account - it is enough to keep a minimum balance of just over one hundred rubles.

Not all citizens can receive increased income on a pension card. In addition to having citizenship of the Russian Federation, a person must have a formalized pension benefit from the state:

• pension upon reaching the age;
• unemployment benefit;
• payments for the care of a young child and other social benefits from the state, with the exception of scholarships.

The conditions for using the favorable Pension tariff plan require the mandatory submission of the following documents when issuing plastic:

1. Civil passport or other substitute identity card.
2. A document certifying the availability of stable payments from the state budget, or a certificate of a pensioner.

Any other certificates from the social security authorities, the Pension Fund of the Russian Federation, etc. can confirm the right to issue a profitable card.

Bank card rules:

• SMS notification of incoming card transactions - free of charge;
• notification on mobile about other transactions - at the rate of 49 rubles per month;
• cash withdrawal through an ATM is limited to 300 thousand rubles during the day;
• withdrawal of money from the card within 1 month - no more than 1 million rubles.

There are a lot of native RSHB ATMs throughout the country due to the bank's wide presence in the regions. If you intend to withdraw a large amount of funds from a debit plastic, it is recommended to use ATMs of the Russian Agricultural Bank, since third-party self-service devices will charge a commission at the rate of 1 percent or at least 100 rubles per transaction.

In the presence of confirming the status of a pensioner and other papers proving the receipt of state regular benefits, it will not be difficult to order the issuance of a card.

The corresponding application is submitted at the nearest branch of the financial institution, accompanying the written application with a package of documents. If necessary, citizens use the possibility of instant issuance of a debit payment instrument.

However, in addition to the issue itself, it is necessary to organize the transfer of pensions to the Russian Agricultural Bank, to a specially opened card account linked to plastic issued at the Pension rate.

Together with the application for release, they report data on the source of income and their intention to receive funds for new details.

Many financial structures reduce the time of customer service by offering to apply through a personal account. The RSHB provides for the possibility of sending an application for issuing a pension card online through the official website of the bank.

The card for pensioners has a lot of advantages, eliminating the need to look for a solution to organize a deposit and receive a high income on savings, providing the right to participate in bonus accumulation programs for spending transactions with their subsequent use in the form of a discount when paying for other purchases and services.

Thanks to the use of the domestic payment system Mir, the dependence on international rules and permits has disappeared, and the maintenance of debit plastic does not require additional costs.

Nevertheless, there are some nuances of how to find out the balance of the Rosselkhozbank card with limited use of SMS notifications. If you intend to check the balance of the card, you must take into account that the request is made free of charge only through terminals, ATMs of the Russian Agricultural Bank. When requesting a balance in third-party organizations, 45 rubles will be deducted from the card account for each request. Retirees and people receiving state benefits across the country can open debit plastic. Reviews of pensioners testify to the comfortable operation of plastic and its free use to pay for the most necessary needs, including utility bills, payments for cellular communications, television, etc.

Financial institutions offer more favorable terms of service for certain categories of customers. One of the products designed specifically to serve pensioners is the Rosselkhozbank pension card.

In order to become the owner of such a card from Rosselkhozbank, the client is obliged to provide the employee serving him with an identity document and an official certificate indicating that there are legal grounds for receiving pension payments. The agreement between the bank and the client is concluded automatically on the basis of an application for issuing a card. Together with the card itself, the pensioner is given the number of his current account, which he must provide to the Pension Fund in order to transfer the pension to the card.

When applying, the applicant can choose the desired payment system. It is important to note that the key characteristics of the card do not depend on the chosen payment system. All cards are issued and serviced absolutely free of charge. Only cardholders with an activated MasterCard Standard payment system will need to make a payment in the amount of 200 rubles.

How is interest calculated on the balance of personal funds?

Rosselkhozbank accrues 7% per annum of the balance to pension card holders. Additional accruals await customers who often pay for purchases and services by "cashless transfer" - the bank returns 1.5 rubles. from every 100 rubles spent from the card.

An important advantage of the product is that the bank does not charge a commission for withdrawing funds from branded ATMs or ATMs of partners. User reviews of the Rosselkhozbank pension card are extremely positive.

The Rosselkhozbank pension card has become a convenient means of receiving monthly social payments for pensioners. The bank has created a special offer for people receiving pensions, with favorable service conditions and benefits, along with this, you can dispose of funds, as before, without any restrictions.

Advantages of the Rosselkhozbank pension card

To the main the positive aspects of this banking product include:

• No additional costs, the client does not pay for the issue of the card.
• Fast receipt, the manufacturing process does not require a lot of time, you can immediately pick up the finished product.
• Opportunity to receive income on the balance of funds on the card at an interest rate of up to 7% per annum.
• Free SMS messaging service, which will inform you about the movement of funds in your account.
• Commission-free withdrawal of funds not only in ATMs of Rosselkhozbank, but also in other partner banks.
• Convenience in making purchases or payments.

Related video:

Map category

Rosselkhozbank provides clients with pension cards two kinds, from which you can arrange the most advantageous option, namely:

• MIR card of instant release.
• Classic MIR map.

The best credit cards:

	Credit limit: 300 000 ₽ Interest rate: From 12% Grace period: Up to 55 days Price: 590 ₽/year Cashback: Up to 30%
	Credit limit: 500 000 ₽ Interest rate: From 14,99% Grace period: Up to 100 days Price: 1190 ₽/year Cashback: Missing
	Credit limit: 400 000 ₽ Interest rate: 24% Grace period: Up to 56 days Price: 0 ₽/year Cashback: Up to 5%
	Credit limit: 300 000 ₽ Interest rate: 0 - 10% Installment: 12 months Price: 0 ₽/year Cashback: Missing
	Credit limit: 600 000 ₽ Interest rate: From 28% Grace period: Up to 52 days Price: 1490 ₽/year Cashback: Up to 5%
	Credit limit: 300 000 ₽ Interest rate: From 29% Grace period: Up to 120 days Price: 0 ₽/year Cashback: 1% for everything.

Tariff plan "Pension"

You can order a card online.

Persons with the citizenship of the Russian Federation can open a card account under the tariff plan "Pension" not younger than 18 years of age, who are entitled, in accordance with the laws of the Russian Federation, to receive a pension or other social payments of the state.

To issue a product to a bank it is necessary to provide a package of documents:

1. Client's application for opening a card account at this rate. A sample application for opening a card account can be found. The application form itself is possible.
2. The passport.
3. Pensioner's certificate or a document substantiating the social payments required by law under an agreement between the bank and the structure that makes these payments.

Photo gallery:

Client's application for opening a card account

The passport

Pensioner's certificate

The account under this tariff plan is opened in rubles.

Interest rate in 2019

Pensioners-holders of a card for cash payments for seniority in the Russian Agricultural Bank in 2019 can receive additional income in addition to the main income in the amount of up to 7% per annum, but along with this, you should pay attention to the conditions for calculating interest.

The minimum amount that must remain on the card account is 100 rubles and 1 kopeck, in this case, interest on the balance of the account will be calculated.

If, in fact, taking into account the fees paid according to the tariff plan used, you have a balance of 100 rubles, then the bank does not charge interest, the amount is exclusively more than 100 rubles.

Interest rate with a residual amount of more than 100 rubles. is 5% per annum, over 100 thousand rubles. - 7% per annum.

What do you need to do to receive a pension on a pension card?

In order to transfer the receipt of monthly payments to the card, follow these steps:

1. Visit a bank branch nearby, take your passport and a pensioner's certificate or a document for other social payments with you and draw up a card account.
2. Contact a bank specialist and use it to fill out an application for transferring a pension to a bank card.
3. Thereafter you must submit your application in the prescribed form to the Pension Fund.

It will be helpful to look at:

Obtaining a pension card at Rosselkhozbank

To get a special card for a pension, you must either come personally to the bank with a pensioner's certificate or with a document on the right to social benefits and other payments, and a passport, fill out an application for a banking product, or use the services of the bank's official website and submit an online application through the site.

Form for filling out an online application on the bank's website.

The Rosselkhozbank pension card is a special product for servicing pensioners on especially favorable terms. By issuing such a card, the pensioner receives special conditions of service, additional benefits, while the client is not limited in his ability to manage his own funds.

Obtaining a pension card at Rosselkhozbank

After presenting documents proving the identity and the fact of receiving a pension, it will be necessary to write an application for registration of a pension card in the Russian Agricultural Bank. The conditions for obtaining a card are quite simple: a written application serves as the basis for concluding an agreement and issuing a card.

After that, the owner of the Pension Card informs the Pension Fund about his desire to receive a pension on the Rosselkhozbank card and provides the data necessary for this.

Map category

In Rosselkhozbank, a pension card can be issued in the following ways:

• By payment system MasterCard Instant Issue, MasterCard Country;
• Via MasterCard Standard payment system;
• Through the MIR payment system.

Issue a Rosselkhozbank Pension Card for free and get 7% per annum on the balance of funds

According to key characteristics, these cards do not differ from each other. For example, regardless of which Rosselkhozbank Pension Card was issued, interest is accrued on the account balance. The main differences are: in terms of validity - 2 or 3 years, and the conditions of the payment systems themselves will be different - MIR or MasterCard.

Conditions and annual interest on the balance

Rosselkhozbank accrues 7% per annum on the balance of funds on the current account of the Pension Card. Another advantage will be the crediting of bonus points - 1.5 for every 100 rubles spent from the card. by bank transfer.

The terms of service are as follows:

• The cost of SMS informing is 59 rubles per month;
• SMS-informing only about receipts - free of charge;
• Commission for cash withdrawal in the amount of 1% (minimum 100 rubles) - only at ATMs of third-party banks, there is no commission in our own and partner banks (Alfa-Bank, Raiffeisenbank, Promsvyazbank, Rosbank);
• Withdrawal limit: daily - 300 thousand rubles, monthly - 1 million rubles;
• Inquiry of balance at ATMs of third-party banks - 45 rubles, in their own - free of charge.

Product Benefits

Benefits include:

• Calculation of interest on the balance of funds on the current account;
• Free opening and maintenance (except MasterCard Standard card - 200 rubles);
• Participation in the bonus program Harvest;
• No commission for withdrawing funds from ATMs of Rosselkhozbank and ATMs of partner banks.

Conclusion

The most loyal and simple conditions make the Rosselkhozbank Pension Card a convenient and profitable tool for non-cash transactions. There are practically no costs associated with servicing the card. Interest on the balance of funds will be an additional argument in favor of the card.