How to open a foreign currency bank account for an individual. How to open a foreign currency account in Sberbank? Where to open an account in dollars

Today we will talk about a foreign currency account in Sberbank. Is it possible to open it and how to do it, read our article.

A foreign currency bank account is a very convenient way of saving and making payments; it gives its owner a number of advantages.

Possibility to carry out monetary transactions abroad. For example, pay for a hotel, tuition, or simply transfer money to your loved ones abroad. Transfers through a foreign currency account are much more convenient and cheaper than the services of international payment systems.
The ability to convert your funds into any currency. Doing this through a bank account is much safer and more reliable than at exchange offices. In addition, the credit institution will probably have the required amount of funds in the required currency.
Safety during transportation and storage of funds. When traveling abroad, you will not have to experience difficulties with money - just get a card from the bank. Agree, it’s easier and safer.

Is it possible to open a foreign currency account in Sberbank Online

Sberbank provides an additional service: open a foreign currency account and manage it through an online bank.
This significantly saves time and allows you to perform operations regardless of the work schedule of financial institutions.

How to create a foreign currency account in Sberbank Online

In Sberbank Online, go to the “Deposits and Accounts” page.

Select “Open deposit”. At this stage, you need to decide whether you want to deposit money into the account at the time of opening it. This condition is not mandatory. Based on the decision made, select the desired type of deposit and check the box. Click the “Continue” button. The application form opens. If there is no down payment, the document will be filled in automatically; you only need to fill in the “Currency” field.

If you decide to immediately deposit money into your account, you will additionally have to fill out several lines.

“Non-reducible balance” - how much money should always remain in the account.
“Write-off account” - from where funds must be transferred to the account being opened.
“Deposit amount” is the amount of the payment to be made.
"Procedure for payment of interest." Here you are asked to select “Capitalization of interest on the deposit account” or “Transfer to a bank card account”. In the first case, the interest will remain on the foreign currency account and increase the deposit amount, in the second - it will be credited to the card of your choice.
"Bid". Move the slider to the desired APR value.
"Deposit period". You can specify a period in days, months, years – the “On” field. Or until a specific date – the “Until” field.

After filling out the form, click the “Open” button. We check the correctness of all data. If everything is correct, check the box “I agree with the terms of deposit placement” and confirm the application. If you have any doubts or made a mistake when filling out the form, edit the application or cancel the operation.

When the application is confirmed, a completed document appears with the stamp “Completed” and the status “Completed”.

When opening an account, do not neglect the reference information posted on the site. Be sure to study the conditions under which the contribution is made. This can be done in the “View terms of deposit” tab. Also read the additional documents that are posted on the website: the rules for placing deposits in Sberbank of Russia OJSC and the banking service agreement.

If you have any questions or doubts, please use the “Help” or “Frequently Asked Questions” sections.

The more information you learn at the account opening stage, the less likely it is that unpleasant surprises will arise in the future.

The instability of the ruble reduces the profitability of creating classic deposits. Looking for an alternative way to preserve and increase capital, a person can contact Sberbank and open a deposit in foreign currency. The offer rate is lower, but the difference between the cost of monetary units allows you to increase earnings and make a profit.

About the offer

Sberbank's foreign currency deposits differ from other offerings of the organization. They have increased efficiency. Not every individual can become the owner of a foreign currency account. In order for a credit institution to agree to accept a deposit, its future owner must have a ruble deposit open with Sberbank.

Using the service is associated with a number of positive aspects. By opening a foreign currency account, a person will be able to:

Receive transfers from persons located abroad without additional restrictions;
Send transfers in foreign currency;
Make payments using a card linked to your account while you are in another country;
Cash out received transfers;
Conduct transactions with foreign currency accounts in other financial institutions.

The bank charges interest for storing capital. Their size depends on the chosen tariff plan and the individual characteristics of the cooperation specified in the contract.

Terms of service

By contacting Sberbank, a person will be able to use one of six specialized tariffs. Terms of interaction with financial institutions may vary depending on:

The selected service package;
Method of opening a deposit;
Account currencies;
Capital retention period;
Deposit size.

An individual can open a foreign currency deposit with Sberbank by personally visiting a branch of a credit institution or using the capabilities of the online service. The amount of income depends on the client’s choice. The maximum interest rate is set for the “Save Online” deposit. If the deposit was opened in dollars or euros, the profit can reach up to 1.7%.

Almost all tariffs designed for creating deposits in foreign currency have the same period of use. A client wishing to receive income must transfer capital to the bank for a period of 90 to 1000 days. The exception is the “Trust” deposit. Using the service package, the client must deposit money in the bank for 190 days.

Foreign currency deposits in Sberbank of Russia are not extended. When the contract expires, the money and accrued interest are transferred to the client’s current account. Payment is made upon request of the deposit owner.

Features of income calculation

Interest on foreign currency deposits in Sberbank is accrued monthly. They can be capitalized or withdrawn to a current account. The action is performed on the last working day of the month or at the end of the period of interaction with the bank.

If the client wants to withdraw money before the deadline, the rate on foreign currency deposits will change. Its size depends on the period of storage of the deposit in the credit institution. If the capital was in the bank:

Less than 90 days – the income will be 0.01%;
90-190 days – 50% of the deposit rate;
190-370 days – 75% of the rate;
370-501 days – 85% of the rate;
501-751 days – 95% of the rate;
751-1000 days – 100% rate.

The conditions for accruing interest for early withdrawal of a deposit may vary depending on the selected tariff plan.

Opening procedure

Before opening a foreign currency account with Sberbank, you will need to prepare a package of documentation. The list of required papers depends on the status of the person. If a citizen of the Russian Federation wants to open a deposit in foreign currency, the deposit will be created on the basis of a passport. When an organization approaches a bank, the list of required documents expands. The company representative will need to provide:

Copies of constituent documents, previously certified by a notary;
Papers confirming the applicant’s authority to open a foreign currency account on behalf of the company;
Sample signatures of persons who have the right to manage company funds;
Extract from the Unified State Register of Legal Entities (Unified State Register of Legal Entities).

When the papers are prepared, you need to visit the company’s branch and contact its representative. To open a foreign currency deposit with Sberbank, an individual will have to write an application. Then the person will be asked to enter into an agreement to begin interacting with the company.

After completing the documentation, the client must deposit the desired amount of funds into the account. When the action is completed, the person becomes the full owner of the foreign currency deposit in Sberbank.

Creating an account online

To create a deposit, it is not necessary to visit a branch of a credit institution in person. You can open a foreign currency account with Sberbank online. To perform the action you will need:

Go to the official website of the credit institution and log in to your personal account.
Click on the “Deposits and Accounts” section and select “Open”.
Review the list of current tariff plans and select the appropriate offer. Then click “Continue”.
Fill out the online application that appears, indicating the amount and currency of the deposit.
Select the card from which capital will be debited to open a deposit. To perform the manipulation, you can also use a ruble card. The system will automatically convert funds into the deposit currency.
Decide where the accrued interest will go. Sberbank can capitalize them or pay them on a card.
Select the storage period for the deposit at the credit institution.
Check the entered data for errors and inaccuracies. If the information is correct, click on the “Open” button.

The system will automatically debit funds from the card and transfer them to the foreign currency account.

Instructions

Select the bank where you would like to open an account. You can open current accounts in euros and rubles in almost any Russian bank.
Some credit institutions also work with other currencies; their list and the possibility of conversion between your accounts, as well as services, must be clarified with a specific bank.

Contact the nearest bank office with your passport and inform about your desire to acquire a foreign currency account. If you know exactly which option you need, name a specific banking product. If you are not sure, ask for advice and ask questions.
After selecting a product, you will be asked to present your passport, then sign the proposed documents (bank account agreement, etc.). Read them carefully before signing. Ask for clarification if something is unclear.

If an initial payment is required, you need to deposit money into the cash register or (in some you can do this by entering the account number).
You can deposit funds in rubles with automatic conversion into another, but the bank rate may not be the most favorable.

Upon completion of all formalities, you will be given a package of documents for remote access to the account (passwords for - and telephone banking, if any, or instructions for creating them yourself, scratch code, a list of variable codes, etc., depending on the bank’s security standards).
If the bank provides a document reflecting the account, like a passbook, it is usually issued on the day of application.
But you will have to wait for a bank card when it is linked to an account; the production time is usually about a week.

Video on the topic

Sources:

How to open an account with Sberbank for a private individual via the Internet or

To carry out certain types of activities, organizations and enterprises often require a foreign currency account with a banking institution. Currency accounts are used to conduct transactions with currency, store funds in foreign currency, and carry out export and import transactions. Opening a foreign currency account in a bank has its own characteristics.

You will need

application, copies of constituent documents, card with sample signatures, seal.

Instructions

If you represent a Russian organization, then in Russia you can open an account in any of the companies that are authorized by the Central Bank of the Russian Federation to carry out transactions with a foreign company. Choose a bank that is convenient for you and has a license for such activities. Please note that the bank has the right to open only one foreign currency account in the currency of your choice or several accounts for certain types of foreign currencies.

Prepare the documents required to open a foreign currency account. As a rule, the same set of documents is required as when opening a regular current account: notarized copies of constituent documents; on state registration; with samples of signatures of officials of the organization; seal impression; documents confirming the powers of officials; a copy of the document on the inclusion of a legal entity in the Unified State Register of Industrial Organizations. The bank has the right, if necessary, to request other necessary documents.

With the package of collected documents, contact the appropriate bank. You will be given an application form for a foreign currency account; it must be signed by the head of the enterprise (organization) and the chief accountant. If there is no position, the application must be signed only by the manager.

After checking the documents, the bank decides to open a foreign currency account. Each currency account corresponds to a transit currency account, where the bank credits proceeds in favor of the client. Therefore, the bank details of the organization should indicate exactly the number of the transit currency account.

If you are planning to open a foreign currency account for foreign trade transactions, first obtain advice from a bank specialist, since account transactions are regulated by foreign exchange legislation.

Sources:

The procedure for opening a foreign currency account in a bank in 2018

Tip 3: In which bank in Ukraine can you open a ruble account?

It is not always convenient and profitable for residents of Ukraine to make financial transactions in the national currency. And international currency is not a panacea, especially in the case of financial transactions with companies registered in Russia. To simplify financial settlements with Russians, a number of Ukrainian banks offer clients the opportunity to open accounts in rubles.

Privat Bank: ruble accounts for individuals

Quite popular among Privat Bank, among other things, it provides the opportunity to open a ruble account. Moreover, as a bonus, the bank provides the client with a plastic card completely free of charge, with the help of which it is easy to carry out all kinds of manipulations with the money in the account.

In favor of Privat Bank in the case of opening a ruble account, there is a large-scale network of ATMs and terminals throughout Ukraine, as well as branches in almost every locality and the ability to access the account through the Privat 24 service.

To open an account, both a passport of a citizen of Ukraine and a foreign passport are suitable.

To open a ruble account, a new client who does not use other Privat Bank products must come to the nearest bank branch with a basic package of documents, which includes the originals of the passport and identification code.

Sberbank of Russia: deposits in rubles for Ukrainians

Another bank that also provides the opportunity to become the owner of a ruble account in a matter of minutes is Sberbank of Russia. In addition to the opportunity to receive a debit card for carrying out transactions with an account, this bank offers clients a number of deposit programs that apply equally to hryvnia and ruble accounts.

The accrual amounts for deposit programs may differ depending on the account currency.

Unlike the aforementioned Privat Bank, Sberbank of Russia in Ukraine does not have such a developed network of ATMs and branches. Nevertheless, the level of trust in the bank among individuals is quite high. In addition, you can also withdraw cash from other ATMs, so this fact can hardly be considered a reason to refuse to work with this bank.

To open a ruble account in the Ukrainian branch of the Russian Sberbank, you also need to have an identification document and identification code with you. Both residents of Ukraine and citizens of other countries can open a ruble account at Sberbank, provided they provide the required package of documents.

When replenishing a ruble account through Ukrainian self-service terminals, the conversion of national currency into rubles is carried out at the internal rate of the bank in which the ruble account is opened. Regardless of the bank you choose, you can top up your account through the bank’s cash desk in cash in rubles.

The Savings Bank today offers its clients the processing of deposits, including the opening of foreign currency accounts with Sberbank for individuals. Available in euros, pounds, yen and francs. But the most popular is the American dollar, since depending on the stability of the economy, the ruble can become cheaper or more expensive, and the US dollar has firmly established its position in the foreign exchange market.

What types of foreign currency deposits are there in Sberbank?

Sberbank is constantly expanding its range of services. This also applies to deposits. Depending on what category the citizen belongs to and what the investment conditions are, the most popular are the following ruble and foreign currency accounts in Sberbank for individuals:

Time deposits differ from others in that funds can be deposited into the account from three months to three years.
Long-term deposits - this means that the agreement will be valid for the deposit only for a limited time. As a rule, this period ranges from one month to three years.
Deposits opened on the Internet - these deposits differ in that they can be opened remotely. In addition, regular customers are offered preferential conditions, through which they can increase their income from their deposit, even while sitting at home at the computer.

Opening a foreign currency account with Sberbank has certain advantages and subtleties, so you should carefully study all the conditions under which the deposit is opened so that unexpected situations and misunderstandings do not arise in the future.

At what interest rates are dollar deposits opened?

The final interest rate on any deposit depends on the amount placed on it and the validity period. Accordingly, the larger the amount and term, the higher the interest.

In addition, the bank has the Sberbank Online system. You can open a foreign currency account there too. For all deposits when opened via Internet banking, the interest rate has even been slightly increased by 0.25%.

The bank's consultants may offer other equally favorable rates that will suit you. Now let's talk about each type of deposit separately - what they are, for what terms they are opened, what interest they have, and so on.

"Save"

In general, even in ruble terms, this is the most profitable deposit, especially for pensioners, since it has the highest interest rate. A deposit is opened for a period from one month to three years. Withdrawals and deposits of funds are not provided for.

"Replenish"

Less profitable investment. The interest rate on it is slightly lower and amounts to 1.35-3.75%, but it provides for the replenishment of the deposit throughout the entire term. Withdrawals here, as well as for the previous deposit, are not provided. It opens for a period of three months to three years. The minimum amount for registration is one hundred dollars.

"Manage"

This deposit is suitable for those who prefer to manage their funds independently. This provides for both withdrawal and deposit of cash, but this deposit will have the lowest interest rate, this should also be remembered. In addition, the minimum deposit amount must be at least one thousand dollars. This foreign currency account in Sberbank of Russia has an interest rate from 1.33 to 3.35%.

"Savings account"

There is one convenient type of deposit called “Savings Accounts”. They have the lowest interest rates, but they are perfect for those clients who often have to withdraw funds, since such an account will be considered valid even with a zero balance, and interest will be charged on the remaining funds.

"Deposit of Sberbank of Russia"

Another popular currency account among citizens of our country is in Sberbank. Interest on it ranges from 1.2 to 4.5%. This deposit starts from three hundred dollars. The validity period can be from one month to three years.

How are foreign currency accounts opened at Sberbank for individuals?

In addition to the fact that an account can be issued in rubles, as mentioned above, accounts in foreign currency are becoming increasingly popular. This can be explained by the fact that clients prefer stability; investments are made in a more stable currency.

In order to open an account, you should contact Sberbank directly. Foreign currency account details will be provided to you if necessary. To open, you just need to provide your passport.

The deposit is made within one hour. This is the most common procedure for bank employees; in addition, the employee will also collect all the necessary documentation independently.

Before opening foreign currency accounts with Sberbank for individuals, you should definitely consult and resolve all issues of interest so that there are no misunderstandings in the future. In addition, weigh the advantages and disadvantages of investments specifically for you.

After the final decision is made, an agreement is signed with the bank. Then the client deposits the necessary funds into the account - and that’s it, interest will be accrued. The minimum deposit amount will depend on the exact conditions chosen by the client. All currency deposits must be carried out in accordance with the law.

So, when you open a foreign currency account in foreign currencies, you will immediately have many advantages. Such investments have the highest interest rates, in contrast to ruble deposits. In addition, you can easily receive transfers from other countries and do not have to pay for their conversion.

Even if the money transfer is received by bank transfer, it can still be cashed. In addition, you can make transfers yourself, as well as pay for various types of services, for example, training or treatment.

To make the conditions for banking operations more convenient and profitable, a special service of the bank registers all drawn up agreements, conducts social surveys among the population, and also compiles constant monitoring, with the help of which the dynamics and general situation of banking operations throughout Sberbank are monitored. Don't think that this bank is the only one. Other credit institutions follow the same policy.

It is definitely worth mentioning that any deposit is subject to compulsory insurance. There is also a special insurance agency for this.

Due to the fact that every day the number of people opening deposits is increasing, Sberbank is increasing interest rates in order to attract as many clients as possible. Unlike other banks, Sberbank, although it has low interest rates on deposits, but it holds a stable position in the banking industry and there is no need to be afraid that its license will be taken away, which has recently become a very common occurrence.

It is at this moment that it is very profitable to invest money and receive additional income, since the foreign exchange market is still the most stable and calm.

Analytical forecasts promise the onset of a major crisis, so you should have time to make a deposit so as not to lose all your accumulated funds.

But, even taking into account all the advantages of Sberbank deposits in the currencies of other countries, you need to carefully think over everything many times whether such a banking operation is right for you, since any deposit has certain risks, and you can never know in advance what will happen tomorrow.

The possibility of obtaining additional income through deposits always carries with it certain risks of losses. For this reason, each citizen must individually decide on opening a deposit. For a more correct choice, you should not contact the bank, where, of course, they will tell you that it is worth it and it is very profitable. Think for yourself and make your choice.

Opening a foreign currency account- one of the popular services for companies (legal entities), ordinary citizens and individual entrepreneurs. The purpose of such an account is to store funds in monetary units of other countries for the purpose of subsequent management and accumulation.

The conditions, procedure and rules for opening foreign currency accounts are specified in the following documents :

Federal Law - on currency regulation and control.
Regulations of the Central Bank (created on the basis of this Federal Law).
Bank rules.

Opening a foreign currency account by a legal entity or individual is available in banks that have a license from the Central Bank of the Russian Federation, confirming the right to work with such a bank account.

Service for individuals

To open an account in foreign currency, an individual must :

Select a suitable banking institution.
Decide on the conditions.
Contact the bank and hand over the papers.

The procedure for opening a foreign currency account for citizens involves presenting :

Passports (foreign or domestic).
Military ID (in some cases).

It is also required to fill out and sign an agreement with the subsequent payment of a certain amount (stipulated by the banks’ conditions). Next, the client is given a special form, which specifies the amount of funds transferred for storage.

Opening a foreign currency account by a legal entity: types and details of registration

It is important to understand that together with a foreign currency account, a legal entity opens three types of accounts at once :

Current- the main account on which the remaining funds accumulate after the mandatory sale of currency.
Transit- intermediate (special) account. Used for crediting money after the transaction and passing exchange control.
Special transit- an account that is necessary to account for foreign money purchased in the Russian Federation.

Before opening a foreign currency account, a legal entity must familiarize itself with the conditions of the credit institution in terms of the documents provided. Wherein The procedure for opening a foreign currency account is organized as follows: :

Filling out the application.
Drawing up an agreement with a financial institution for account servicing.
Transfer of a complete package of papers.

The conditions for opening a foreign currency account imply the transfer of such securities (for companies) :

Certificate of state registration.
A card with signatures of persons who are given the right to manage the account. There should also be company seals here.
Founding papers.
Certificates of registration in the structures of state statistics and the Federal Tax Service.
Other documents.

Types of operations available for companies

Legal entities (companies) after opening a foreign currency account have access to various transactions . The latter are divided into two categories:

First:

Processing loans for a period of up to six months.
Financial transactions (transactions related to the import/export of goods).
Transfers directly related to the accrual of dividend payments, interest and other types of profit.
Other transactions related to the movement of finances (payments, pension accruals).

Second:

Investing money in companies from other countries. This also includes investing in stocks or bonds.
Obtaining loans for a period of six months or more.
Payments for real estate.
Other transactions with funds in a foreign currency account that cannot be classified as current.

How much does it cost to open a foreign currency account for companies?

Credit institutions have a loyal approach to existing clients. If a legal entity already has a cash settlement agreement, opening an account in foreign currency will be free. If the company is just planning to open a bank account, obtaining an additional service in the form of a foreign currency account will cost 1-2 thousand rubles (opening conditions often vary depending on the credit institution).

What's the result?

Opening a foreign currency account- a necessary service for legal entities or individual entrepreneurs working with companies from other countries. It is no less important for individuals who want to hold and increase savings in foreign currency.