BINBANK Bank is a credit institution that received a license to operate in the banking services market on November 18, 2016. The Bank is included in the register of the compulsory deposit insurance system. The company is engaged in servicing the accounts of commercial enterprises, operates in the foreign exchange market and the securities market.
BINBANK Bank has its head office in Moscow, which is located at: Moscow, Sokolnicheskaya Square, 9. Contact phone of the organization: 8 800 200-50-75.8 800 555-55-75. In total, the financial network includes 38 branches. Plastic card holders are served by 810 ATMs.
BINBANK offers its customers a wide range of financial services.
Full information on financial products is available on the tabs for each category of offers. Here you can check the current rate of sale/purchase of currencies. At the moment, the euro is 78.18/76.16. Dollar - 67.72 / 65.92 (indicators are regularly updated). In the rating of the international agency Moody's Investors Service, BINBANK has a Ba1 indicator. In the Standard & Poor's rating - ruA-. In the ratings for assets, deposits and loans, he took 17th, 8th and 40th lines. Amounts on assets, deposits and loans - 642,268 million rubles, 355,044 million rubles. and 32,252 million rubles. respectively.
Updated 12/27/2017.
Many believe that pensioners are not interested in banking offers from credit institutions other than Sberbank, that they do not use Internet banking, do not know what cashback or interbank transfer is.
However, I can confidently say that this is not the case. I constantly receive letters from readers of the older generation asking me to help sort out various banking services, choose a card or a profitable deposit, explain in more detail how to withdraw money from cards without a commission, make interbank transfers, etc.
Often asked to talk about profitable banking products designed specifically for pensioners.
Let's see what conditions are offered to pensioners receiving a pension on a Sberbank social card:
We see that the main advantage of Sberbank for pensioners is the free card, 3.5% on the balance, as well as the ability to withdraw cash from the bank's numerous ATMs.
Some people think that it is only possible to receive a pension on a Sberbank card, because it is a state-owned bank, and the state issues pensions through this credit institution.
However, the pension fund can also transfer pensions to other banks. Moreover, in this case, some credit organizations offer pensioners quite favorable conditions.
In order to transfer a pension to a card of another bank, sometimes it is not even necessary to go to the pension fund yourself, you can fill out an application for transfer directly at a bank branch.
Pension to the card of PJSC Sovcombank
1 Quick clearance.
You need to come to the Sovcombank branch and say that you want to transfer the pension to their card. The employee will print out an application for the delivery of a pension to Sovcombank. Sovcombank will send the completed form to the FIU on its own.
You will be opened an account "My income", to this account you will be issued a free unnamed chipped MasterCard Unembossed card. You will also receive a login and password for accessing the Internet Bank.
2 7% on the card balance.
By receiving a pension on a Sovcombank card, you become an Honorary Client of the bank. The balance on the MasterCard Unembossed card after the transfer of the pension is credited with 7% per annum (Sberbank has 3.5%). Card service is free, SMS informing is also free:
The 7% rate on the “My income” account will be valid for 30 days from the moment of each transfer of the pension. Those. if the pension is received without delay, then 7% will be accrued constantly (if the pension is delayed for a couple of days, then no interest will be accrued on the account balance on these days).
UPD: 04/26/2017
From April 25, the interest rate on the My Income account is reduced from 7% to 5.5%.
3 Cash withdrawal from any ATM without commission.
Using a MasterCard Unembossed card issued to the My Income account, you can withdraw money without commission at any ATM (when receiving a pension on a Sberbank card, you can withdraw cash without commission only at Sberbank ATMs):
The monthly withdrawal limit from the Sovcombank card is 999,000 rubles.
4 Free card with 5% cashback for purchases in pharmacies and supermarkets.
Sovcombank, in addition to the MasterCard Unembossed card, issues a MasterCard Gold credit card to Honorary Clients with an initial credit limit of 10 kopecks and the possibility of depositing their own funds. Instead of this card, you can get a Frank Duval watch as a gift or set up the AutoPay service:
Do not be afraid that the card is a credit card. We will use it as a debit (without using bank credit funds).
The issue and maintenance of the MasterCard Gold card in the first and subsequent years is free of charge. 5% per annum is charged on the balance of own funds on the card. You can withdraw cash from it for free only at ATMs of Sovcombank and Krayinvestbank.
The MasterCard Gold card is entitled to 5% cashback for pharmacies and grocery stores (0.5% for other categories), as well as 5% for any purchases on birthdays, December 31 and March 8 (February 23).
5912 - Pharmacies;
5122 - Medical preparations;
5462 - Bakeries;
5411 - Grocers and supermarkets;
5499 - Various grocery stores:
The maximum amount of cashback (paid three days after the end of the calendar reporting month) is 500 rubles:
In other words, increased cashback is credited for spending up to 10,000 rubles. per month. This is not so much, but you can make other purchases by.
List of exceptions for which Sovcombank does not pay cashback (even on birthdays, New Years, etc.):
UPD: 12/11/2016
Since November 28, 2016, Sovcombank has significantly worsened the conditions for its loyalty program. Now, in order to receive a cashback, you need to make a minimum turnover on the card of 15,000 rubles, and the maximum amount of cashback within the framework of the Honorary Client status is still 500 rubles. Those. if earlier there was a 5% cashback for purchases in pharmacies and grocery stores without a minimum amount limit, now the maximum possible cashback will be 3.3%, and then, provided that the purchases are more than 15,000 rubles. during the reporting period.
UPD: 02/21/2017
From 03/01/2017 Sovcombank cancels the requirement for a minimum turnover of 15,000 rubles per month to receive 5% cashback for purchases in supermarkets and pharmacies for Honorary Clients (who receive a salary or pension through Sovcombank). Under the new conditions, in order to receive a 5% cashback (maximum 500 rubles per month), it is enough to make purchases for at least 3,000 rubles per month.
UPD: 03/14/2017
From 03/09/2017, Sovcombank again introduces a requirement for a minimum monthly turnover of more than 15,000 rubles. to receive cashback within the "Honorary Client" program for purchases in supermarkets and pharmacies. At the same time, the cashback limit remains the same, 500 rubles per month.
UPD: 08/30/2017
Sovcombank has stopped issuing this card to Honorary Clients with 5% cashback in pharmacies and grocery stores.
5 Free pulling and replenishment using C2C.
From Sovcombank cards, you can withdraw funds for free to cards of other banks, whose services allow you to replenish your cards in this way. Those. it is possible to transfer your pension to other banks without commission, without leaving your home.
Sovcombank cards can be replenished free of charge from cards of other banks using Card2Card transfers using their own service in the Sovcombank Internet bank (in one transaction, the card can be replenished by 75,000 rubles, the monthly limit is 500,000 rubles).
The only thing is that after c2c replenishment it is better not to make debit transactions immediately, but to wait for a while (a day). There are reviews that in rare cases a technical overdraft is possible.
You can read more about Card2Card (transfers from card to card) in the article.
6 Reliability of the bank.
PAO Sovcombank is a large financial institution with a wide network of branches across Russia (in 49 constituent entities of the Russian Federation), 19th in terms of net assets. The bank was recapitalized by the state with the help of OFZ in 2015, so I included Sovcombank in my.
Thus, if you receive a pension at Sovcombank, you will have a MasterCard Unembossed card with 7% on the balance where the pension will come. SMS informing and maintenance of this card are free. You can withdraw money from any ATM without commission.
Also, Sovcombank will issue you a second MasterCard Gold card, with free service and SMS informing, 5% per annum will be charged on the balance on it, and 5% cashback is provided for purchases in pharmacies and grocery stores.
You can transfer money between cards in the Internet bank of Sovcombank or directly at the branch, if it is more convenient. You can also replenish cards without commission using C2C transfers.
Money on both cards is insured by DIA.
You can become an honorary client of Sovcombank by receiving a salary on his card. The salary transfer must be from a legal entity or individual entrepreneur (the trick with sending salaries from your account in another bank, as it will not work).
When transferring a pension or salary to a Sovcombank card, it is much easier to get a loan from this bank (in other banks, pensioners usually do not get a loan at all):
7 Cashback for utilities.
Pension card of PJSC "BINBANK"
PJSC "B&NBANK" - a large metropolitan bank, 12th in Russia in terms of net assets, offers pensioners a fairly profitable pension card.
1 Easy to get.
To receive a B&NBANK pension card, the transfer of a pension to this bank is not required, it is enough just to show a pension certificate. You can order a card on the website of the credit organization .
If you click on the link "Pension Card" on the website of PJSC "BINBANK", then we get to the website of the bank JSC "BINBANK Credit Cards" controlled by PJSC "BINBANK", where we can get acquainted with the tariffs for the pension card in detail. This card is issued by both BINBANK itself and B&NBANK Credit Cards (BBCC), the tariffs are the same.
UPD: 08/30/2017
From 07/01/2017, BINBANK issues pension cards of the MIR payment system:
The MIR card is also free, it has an interest on the balance (7% per annum):
However, MIR pension cards, unlike Visa/MasterCard pension cards, do not participate in the BINBONUS program.
Nevertheless, "B&NBANK" can issue, in addition to the pension MIR, also a second card of another payment system (participating in the "BINBONUS" program and also free):
Here is a review of a client who ordered a MIR pension card on the BINBANK website, and at the branch he was given two cards, MIR and Visa:
Here is a review of a client who was issued a MIR card, but at first they refused to issue a card of another payment system, and after a complaint they issued it without any problems:
Issue and maintenance of a pension card are free of charge:
There is no fee for SMS informing on a pension card.
When receiving a card, make sure that you have not connected any paid services, such as insurance.
UPD: 08/30/2017
Clarification about SMS informing: pension cards are issued by both BINBANK and B&NBANK Credit Cards (aka B&NBANK Digital), B&NBANK has free SMS informing only for the first 2 months, B&NBANK Credit Cards is free Always.
Pension cards at BINBANK Digital tariffs (with free SMS) can only be obtained in some areas:
After receiving the card, immediately check whether you have been issued a card at the rates of "B&NBANK" or "B&NBANK Credit Cards". Check again if the "Protection Plus" insurance is connected to the card. If this service somehow turned out to be connected, immediately turn it off (this can be done both in the office and on the hotline).
3 7% on the balance.
7% per annum is accrued on the balance of own funds on the B&NBANK pension card. The interest is calculated every day based on the actual balance (for example, interest is calculated on the minimum balance for the month):
4 Cash withdrawal without commission at any ATM.
BINBANK allows you to withdraw 30,000 rubles from your pension card without commission. per month at any ATM. Also, without commission, you can withdraw 300,000 from the card per month at ATMs of BINBANK and partner banks: (PJSC MDM BANK, PJSC CB KEDR, Alfa-Bank JSC, Raiffeisenbank JSC):
5 Cashback 5% on your favorite category, 1% on everything else.
For purchases with a pension card, a cashback of 5% is provided for the selected category and 1% for all other purchases. The minimum payout amount is 50 rubles, the maximum is 3000 rubles. per month:
Details about the loyalty program "BINBANK" "BINBonus" can be found in the article.
6 Free pulling and replenishment using C2C.
The BINBANK pension card has the same properties as the Sovcombank card. From it you can withdraw money for free to other cards, whose services allow you to replenish your cards in this way (to the same Sovcombank, for example).
The B&NBANK pension card itself is able to withdraw funds from the cards of other banks through its own service for free.
Those. between Sovcombank and B&NBANK cards, you can transfer money for free using your own replenishment services.
With the Sovcombank card you pay in supermarkets and pharmacies. For example, the favorite category "Auto" was connected to the B&NBANK card. And before visiting a gas station or a car service, you simply withdraw money from the Sovcombank card to the BINBANK card without commission for free, pay there with the BIN pension card and get 5% cashback.
Considering that in order to receive a B&NBANK pension card, you do not need to transfer your pension to the bank, and it is free, it certainly will not hurt to issue it.
UPD: 08/30/2017
The services of other banks are not yet able to withdraw from the MIR card, but you can first transfer money from the MIR to the BIN pension card of another payment system for free and withdraw from it.
Card for pensioners PJSC Bank Financial Corporation Otkritie
PJSC Bank Financial Corporation Otkritie is one of the largest banks, 4th in Russia in terms of net assets.
1 Ease of design.
On the site in the section "How to receive a pension on an Otkritie bank card" it is indicated that for this it is enough just to fill out an application at the bank, and you do not need to go to the FIU yourself:
However, in order to receive an Otkritie pension card, it is not necessary to transfer a pension to this bank. It is enough just to leave an application for a pension card by calling the hotline (you can order an unnamed card of instant issuance, or you can order a personal card, it is made on average a week).
You come to the office with a pension certificate, pick up the card and say that you yourself go to the FIU and write an application for transferring a pension (of course, it’s not good to deceive, but nothing can be done).
The card is valid from the moment of issue and has all the declared properties, even if the pension is not transferred from the Pension Fund.
2 Free release and maintenance.
Issuance and maintenance of the Otkritie pension card, both nominal and personal, are free of charge:
SMS-informing on the card is also free of charge:
You can withdraw money from the Otkritie Bank pension card without commission at any ATM. An unnamed card has limits of 100,000 rubles. per month, for a nominal one - 250,000 rubles. per month:
4 Interest on the balance 4% per annum.
The interest on the balance in the Otkritie pension card is not the strongest side, but it is still not inferior to Sberbank. For the amount from 3,000.01 rubles to 10,000 rubles. 4% per annum is charged. If the balance is more than 10,000 rubles, then the percentage will be 3.5%. If the card has less than 3,000.01 rubles, then interest on the balance is not charged:
5 Cashback 3% for purchases in pharmacies.
For purchases in pharmacies using the Otkritie pension card, a cashback of 3% of the purchase amount is provided (no more than 3,000 rubles per month). True, income tax of 13% will still be withheld from this bonus amount, i.e. real cashback will be 2.61%.
6 Free pull.
The Otkritie pension card is a free donor, you can withdraw money from it without commission to other cards (for example, Binbank or Sovcombank) through their services.
The cashback of the Otkritie pension card is, of course, small, but still better than that of Sberbank (0.5% with “thank you” points). In terms of other parameters, the Otkritie bank card also bypasses the Sberbank social card.
UPD: 08/30/2017
Otkritie began to issue pension cards only of the MIR payment system:
And services of third-party banks have not yet learned how to pull off MIR cards.
Pension card of PJSC "Transcapitalbank"
PJSC Transcapitalbank is a fairly large financial institution, 39th in Russia in terms of net assets.
1 Ease of design.
To apply for a TKB pension card, it is not necessary to transfer a pension to this bank, you just need to show a pension certificate:
Although an application for transferring a pension can also be filled out directly at the bank.
Instant issuance of a non-named card (it is better to check in advance the availability of non-named cards in a particular branch via the hotline), the possibility of issuing a personalized card.
2 Free service.
Issue and maintenance of a pension card (nominal and nominal Visa Classic) are free of charge:
UPD: 08/30/2017
If there is a desire to receive a pension through Transcapitalbank, then the bank will be able to issue only a MIR payment system card (it is also free), which does not participate in the TKB.Club bonus program. If you receive a pension through another bank, then you can issue a regular Visa as a pension:
3 Withdrawal without commission at any ATM.
You can withdraw up to 200,000 rubles from the pension card of Transcapitalbank without commission at any ATM. per month:
4 7.5% on the balance.
The pension card of Transcapitalbank has an interest on the balance. For amounts up to 200,000 rubles, 7.5% is charged, for exceeding this amount - 5%
UPD: 08/30/2017
As of August 30, 2017, the balance of funds on the pension card of Transcapitalbank is up to 200,000 rubles. 7% per annum is charged, on the balance of 200,000 rubles. - 4% per annum. Interest is accrued on the actual balance of funds on the account at the beginning of the business day:
5 Bonus program "TKB.Club".
To participate in the bonus program, you will need to issue a personalized pension card (this is also free).
For each purchase, 1% of the purchase is credited to the bonus account in points (1 point is equivalent to 1 ruble). In addition, once a quarter, the bank determines categories for increased cashback accrual.
In July-September, TKB gives 5% for purchases in beauty salons, hairdressers, auto parts stores, for paying for medical services, 10% for paying for sports and fitness services:
The conversion of points into rubles is not entirely convenient (similar to). You can compensate for the cost of a purchase made earlier, moreover, you cannot partially pay for the purchase with points, the minimum amount you can convert is 3000 points, the debited points are still rounded up to 1000.
It is no longer a secret to anyone that pensioners are a fairly large layer and core of people who use the services of a bank. Many take loans for their needs, some, on the contrary, increase their funds by making deposits, and someone simply uses convenient BinBank cards. Pensioners are precisely those people who are much more reliable from the point of view of the bank, because of the monthly pension payments. That is why the bank is trying to more profitably adjust the program for such clients, and also reduce interest rates on loans. So what is a BinBank pension card and what is its advantage?
What is a pension card?
Basically, “BinBank special pension cards” are issued to citizens who already have pension payments, and have also reached retirement age. This card is quite convenient because you do not have to go somewhere and receive your pension, BinBank will make all automatic transfers from the Pension Fund for you. You just need to find any ATM and withdraw money.
What are the benefits of a pension card?
If you are still receiving a pension the old fashioned way, then hurry up to get a pension card, as it is much more convenient and reliable. The most important plus is that you can always withdraw money at any time from almost any ATM. You can also make cashless purchases or any transactions through an ATM, bank office or Internet service, as well as through SMS banking.
You will be able to receive a huge amount of bonuses for performing an operation and purchasing goods. In another way, this is called cashback, which can also be connected when issuing a card. Cashback is when you get back from 1 to 5% of the amount you spent. Almost all BinBank cards have cashback, but the percentage may vary depending on the connection of one or another category of cashback.
Pension card holders can be sure that they will be able to get a profitable loan, the rate of which will be significantly lower than that of other clients. They can also open a profitable “Pension” account, with which you can save and replenish the account, as well as spend from it without losing interest.
You can order a card directly on the BinBank website BinBank conditions for a pension card
The most important condition is the safety of funds by the bank. If you issue a MasterCard pension card, you will be able to pay for all services and goods in almost any country in the world. This is suitable for those pensioners who do not like to sit still. The terms also include free annual maintenance. Free replacement of the card if its expiration date has already expired.
Cashback is also included in the conditions for using this card. You will be able to return part of the amount from purchases. If you buy services or goods from the category you have chosen, the return will be 5%. The first two months SMS banking is free, then you will need to pay up to 30 rubles per month.
Who can get a pension card:
- Persons who have reached retirement age.
- Persons receiving a retirement pension.
- Persons who plan to receive a pension in the next 3 months.
In 2017, a plastic card from BinBank appeared, which has contactless technology. The issue of the banking product was carried out jointly with the Russian Geographical Society. For BinBank clients, the MIR card is a universal product, through which you can not only make profitable banking transactions, but also contribute to the preservation of Russia's nature and the scientific and political activities of the country.
MIR card - BinBank for state employees
The MIR BinBank card is intended for pensioners and state employees. The payment system is a complete alternative to VISA and MasterCard. To complete a transaction, it is enough to attach plastic to the terminal device. The amount for the purchase or service is deducted from the account automatically. Soon, this banking product can be used to pay for metro fares by simply passing through the turnstile.
New technologies have been developed to increase the comfort level of users of this system. You no longer need to stand in lines for a long time, because contactless payment speeds up the payment process. Pensioners more than others rated this option of making transactions positively, which is confirmed by numerous positive reviews.
Soon it will be possible to pay with a social card in all banks. Active work is already underway to reprogram terminals and all other devices through which transactions are carried out.
The main characteristics of the MIR card from BinBank
Holders of a social banking product get the opportunity to purchase the most suitable tariff plan for themselves: "All Inclusive" or "Comfort". All non-cash transactions are carried out with the withdrawal of a commission - in the first case - 0.5%, in the second - 1% of the amount.
Holders of a plastic product can take part in various promotions, through which they become owners of vouchers to various parts of Russia.
Are you looking for a convenient way to receive a pension, but are you afraid of extra commissions and overpayments? The Binbank pension card will allow you to withdraw your pension at any ATM in the Russian Federation, as well as constantly receive discounts. From our article you will learn about the conditions for its registration and maintenance, as well as the possibility of receiving additional income from your savings.
Main characteristics
The card is serviced free of charge.Binbank debit cards for pensioners are issued within the MIR system and can be instant (unnamed) or personalized (when the holder's name is indicated on the front side).
MIR is issued only in rubles and is issued for a period of 3 years, after which automatic reissue and replacement of plastic is carried out.
Card Features
With the debit card "Pension" you can perform the following operations:
- transfer funds to other clients of Binbank and consumers of third-party banks;
- non-cash payment for purchases and housing and communal services;
- receive cash (withdrawal from ATMs without commission).
Conditions and tariffs of the pension card
Binbank does not charge a commission for issuing and servicing the MIR "Pensionnaya" debit card. In addition, 7 percent per annum is accrued monthly on the balance, which allows the client to have additional passive income.
Interest is credited to the account automatically, regardless of how much is on the balance.
Other conditions, as well as the main limits and tariffs provided for by the Binbank pension card, are indicated in the table.
| Cost of SMS notification service | For free |
| Reissue fee | Absent |
| Commission for payments (including utilities) | Not charged |
| Withdrawal limits per day, rub. | |
| Withdrawal limits per month, rub. | |
| Max. number of withdrawals per day | |
| Commission for cashing out at subsidiary ATMs (of Binbank and partners) | within the limit - 0%, over the limit - 3% |
| Commission for cashing out in third-party devices |
Bonuses and discounts
Pay for purchases with a pension card and get your money back. Using a Binbank pension card to pay for purchases, its owner can become a member of the Binbonus program absolutely free of charge and return up to 5% of the amount spent. The refund is made in the form of bonuses, which are subsequently debited as payment for goods.
The percentage of bonus accrual is determined as follows. The client will receive 5% cashback if the purchased product (service) belongs to the “Favorites” category. The choice of favorite purchases is carried out by the client from the proposed groups (health and sports, tickets, restaurant and hotel services, gas stations, online shopping).
To use bonuses, you need to go to your personal online account and select the purchase you want to compensate. After that, the bonuses will be written off, and the spent amount will go to the account.
Please note that a commission of 250 rubles is charged for changing the group of favorite purchases.
Advantages and disadvantages of the card
Advantages of the MIR card from Binbank, provided for pensioners:
- 3D Secure technology, which allows you to securely pay for online purchases;
- free connection to mobile services (SMS notification, mobile application, Internet banking), with which you can manage your funds remotely;
- accrual of bonuses for purchases;
- no annual commission;
- receiving income in the form of interest on the balance;
- payment of housing and communal services without additional commissions.
The disadvantages include the fact that it cannot be used as a payment instrument on international Internet sites (AliExpress, Ebay, etc.).
How to get
A pensioner can order a MIR card at the nearest office of Binbank or on the organization's website by leaving an online application.
After filling in all the required fields, you need to send a request for processing and wait for a notification about the readiness of the financial product (5-7 days).
Order a card and store your pension on it. To apply for a pension card in Binbank, you need to meet certain requirements:
- Age limit - from 18 years.
- The presence of residence in the territory of the Russian Federation.
Only a citizen entitled to pension payments can receive a pension card. Accordingly, upon issuance, you will need to present a pension certificate or other document confirming the status of the client as a pensioner.
How to use the card?
Upon receipt of the MIR card, a Binbank employee will provide the client with the details of his card account. This document must be submitted to the branch of the Pension Fund, which will pay the old-age pension (or other social benefits). On the appointed date, the pension will be credited to the card, about which the client will be notified via SMS.
Considering all the above characteristics, we can conclude that the Binbank pension card is a full-fledged means of payment and has all the advantages of a standard plastic product. At the same time, the holder is exempted from paying annual maintenance and other commissions.
Video: Do I need to change a pension card to a MIR card.