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The time when money was kept on savings books has passed, and today many banks offer modern services to users. They allow you to conveniently accumulate savings on which interest is charged, as well as spend funds from the account as needed. A suitable example would be a savings account with Sberbank - it can be opened by individuals who want to choose not a high interest rate, but a savings deposit without limits on deposits and withdrawals.

Savings account in Sberbank - what is it

As a product of banking services, the account is intended for the accumulation of the owner's funds and various operations with them. Sberbank offers this service "for everyday free disposal of money," and this is a very accurate description. By signing a banking service agreement at any branch of the bank (or using the online service), the client gets the opportunity to open a deposit that can be replenished in various ways.

Deposit features

A savings account with Sberbank has the following differences from other similar services:

• It can be opened in rubles, dollars or euros - to store funds and generate income.
• With a ruble deposit, the interest rate varies, depending on the balance - from 1.5 to 2.5% per annum. For foreign currency, the interest payment will be 0.01%.
• This is a perpetual deposit that has no time limits.
• You can replenish your account or withdraw cash at any time.
• There is no minimum amount to hold.

What is it needed for

This deposit is not among the deposits with a high interest rate, so it makes little sense to open it to generate income (Sberbank has better offers for this, for example, “Replenish”, “Manage” or a savings certificate). But it has many other suitable applications, for example, the lack of restrictions on the amount of replenishment makes it convenient for storing savings.

There are no limits on withdrawing money either (for comparison, with a Momentum debit card, you can withdraw up to 50,000 rubles per day and up to 150,000 rubles per month). The full withdrawal of the amount from the deposit nullifies the deposit, but does not lead to the closing of the deposit: put any amount on it, and it will begin to accrue interest with a monthly capitalization. Such a deposit will also come in handy for money transfers to accounts and cards of Sberbank or to another credit institution.

How to open a deposit savings account of Sberbank of Russia

The procedure for opening a savings deposit is not difficult and can be performed in different ways:

• You can make a deposit at the Sberbank office, where you will need to present your passport and fill out the necessary documents.
• Another way to open it is via the Internet using Sberbank Online (suitable for those who have a bank card, but first you need to activate the Internet service).

To do this, you need to use your personal account on the Sberbank website. By logging in there, you will be able to open a savings deposit without leaving your home. On the page with the description of the service (to find it, you need to go along the path: Moscow > Private clients > Invest and earn > Deposits > Savings account) there is a special button "Apply". By clicking on it, you start the opening procedure. You will be prompted to read the contract (it can be printed), which will need to be confirmed using a one-time SMS password. Your contribution is open!

Required documents

To open a current account in Sberbank branches, the depositor must be over 14 years old and have an identity document with him. It can be:

• passport of a Russian citizen with a mark of permanent or temporary registration on the territory of the Russian Federation;
• international passport;
• driver license;
• military ID;
• service certificate;
• for foreign citizens, a foreign passport and confirmation of the right to reside in the territory of the Russian Federation (residence permit, etc.) are required.

Along with term deposits, Sberbank offers customers to open savings accounts. What are they intended for, what conditions and restrictions are imposed by a credit institution. How to open and use a savings account.

Savings account of Sberbank is designed to save the client's funds with the possibility of free management.

Account parameters:

• The initial amount of the contribution is not limited;
• The term of the account is not set;
• There are no restrictions on replenishment and withdrawal;
• Early closing of the deposit is allowed at any time at the request of the client;
• An account can be opened in rubles, euros, dollars, as well as in such currencies as Canadian dollars, pounds sterling, yuan, etc.;
• The account is opened for personal purposes, it cannot be used for business activities.

The interest rate depends on the amount of placement and the package of connected services:

	Standard rate, per annum	With Sberbank Premier package	With the Sberbank First package	With "Sberbank Private Banking" package
Up to 30 thousand rubles	1,0	1,0	1,0	1,0
30–100 thousand rubles	1,1	1,65	1,9	1,9
100–300 thousand rubles	1,2	1,8	2,0	2,0
300–700 thousand rubles	1,3	1,9	2,05	2,05
700–2000 thousand rubles	1,5	1,95	2,1	2,1
More than 2 million rubles	1,8	2,0	3,0	3,0

For deposits in US dollars, euros, the rate, regardless of the placement amount, will be 0.01%.

The interest rate is set depending on the value of the minimum balance of funds on the account during the month. On the difference between the minimum and the actual balance, the interest will be 0.01% per annum. Interest is calculated monthly.

When the amount of placed funds leaves the category that determines the interest rate, it will be edited in accordance with the criteria of another category.

The money on the savings account is insured by the DIA in the amount of 1,400 thousand rubles, so the depositor is reliably protected from unforeseen situations that may arise with the bank, although the likelihood of such events occurring is extremely small.

Profitability calculation

A savings account is not opened to generate income, so the client can only count on a small profit from investments of more than 2 million rubles, from amounts less than 2 million rubles. income will be almost zero.

For example, when replacing 100 thousand rubles. for a period of 1 year without partial replenishment and withdrawal, the user's income will be 1200.05 rubles. in a year.

To calculate the expected interest, the client can use the calculator posted on the site. It should only be understood that the calculated amount of profit will be conditional, since it is impossible to predict how much the client will withdraw or report money to the account in a certain period.

Account holder rights

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A client who has marked his funds on a savings account has the following rights:

• Manage the account at your own discretion: withdraw, replenish it if necessary;
• Issue a power of attorney to dispose of the deposit to an authorized person;
• Receive income in the form of interest;
• Make a will for the right to manage the account for another person;
• Make transactions with the account in the representative office of the bank where it was opened, as well as use the Green Street service, which allows you to make transactions with the account in other divisions;
• Use the Internet banking of a credit institution.

How to use the deposit

A citizen of the Russian Federation can open a deposit upon presentation of a passport or other identity document. If a non-citizen of the Russian Federation wants to open a deposit, he must present a civil passport with a notarized translation, a document confirming his eligibility to stay on the territory of the Russian Federation.

Deposits are opened independently from the age of 14. If the client is under 18 years old, he can open an account in the presence of parents / guardians.

Opening methods

There are several ways to open a deposit:

1. At the representative office of a credit company. A bank employee will help you write an application for opening an account, explain the conditions for its operation. An agreement will be concluded between the bank and the depositor, by signing which the client will be able to immediately manage the new account. The account holder does not even need to deposit money into it, because the minimum amount is not limited. He can replenish it at any convenient time.
2. Registered users of Sberbank Online can use their personal account. The deposit is opened from the "Deposits and accounts" section, the "Opening a deposit" tab. You will need to select a view, enter the parameters and click "Open". The client of the bank will be presented with an agreement for opening an account, having read it, he must agree to its terms. After confirming the operation, the account will become active.
3. You can open an account through the mobile application.

How to use

You can replenish your account in cash at the cash desk of a representative office of a credit institution or by transferring funds from a card account in the Sberbank Online system or in a mobile application.

In a similar way, money is withdrawn from the account: non-cash through the company's Internet banking or in cash at the cash desk of a bank branch.

How to close an account

The account is opened by the bank indefinitely, therefore, it can be closed only on the basis of a written application from the owner to terminate the contract. The application is submitted to the territorial branch of the bank where the account was opened. Within 7 days from the date of receipt of the application, the contract will be terminated. You must first withdraw the money remaining in the account.

The exception is cases when the bank has the right to independently close the account or suspend operations on it:

• If no transactions were made on it during the last 2 years and there is no money in the account. The account will be closed within 2 months after the client's written notification of the bank's intention and non-receipt of a response (account replenishment);
• If it is suspected that the operation is carried out in order to launder proceeds from crime, the bank limits the client's right to manage the account;
• If the account holder has not submitted documents substantiating the operation in accordance with the legislation of the Russian Federation;
• If the bank decides not to carry out the operation on the account 2 times within one year, it unilaterally closes the account.

Elena Pazina

Updated: 2019.06.13

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The list of Sberbank services includes a savings account. We will tell you what this concept includes, what its advantages, disadvantages and conditions of use are, as well as how to open a savings account with Sberbank.

A savings account is a type of bank deposit opened by individuals. Such an account can be compared with the current account of the organization. Its main function is not to receive income in the form of interest, but to store savings in a bank. Interest is charged on the deposit, but they are minimal. Also, the account can be used to transfer money to other accounts or bank cards.

The account comes to the aid of those who have savings and want to deposit them in a credit institution. In this case, the amount of possible income is a secondary criterion. The main thing is the ability to freely dispose of funds: withdraw money and replenish the account at any time without limiting the amount. This money placement option is more secure than keeping cash at home.

It is convenient to carry out various banking operations with a savings account. If you often have to transfer money to accounts and cards of organizations or individuals, both in Sberbank and in other banks, then a savings account will be the best solution.

Savings account and deposit: comparison

At first glance, it seems that a savings account is identical to a bank deposit. In fact, there are several criteria that distinguish an account from a deposit. Differences can be attributed to both advantages and disadvantages of the account.

Savings account benefits:

• there are no limits on the minimum and maximum placement amount;
• it is possible to open not only in rubles, but also in dollars and euros;
• the account is valid without time limits, that is, it is unlimited;
• can be replenished at any time without limits on the amount;
• different methods of replenishment are used: from a card, from a deposit, from another account, in cash through a bank cash desk;
• there are no restrictions on the amount and frequency of withdrawal of money from the account;
• when withdrawing money, accrued interest is not lost.

The downside of a savings account is the low interest rate. It ranges from 1% to 1.8%. This is several times lower than the rates on deposits. Therefore, a savings account is not a suitable tool for generating income.

Savings account conditions in Sberbank

When opening a savings account, Sberbank offers the following conditions:

• unlimited use of the account;
• unlimited withdrawal and replenishment;
• no minimum balance limit;
• you can close the savings account at any time at the request of the client;
• interest rate from 1% to 1.8%;
• for clients of Sberbank Premier, the interest rate is from 1% to 2%.

The annual rate depends on the size of the minimum amount on the account.

Interest is calculated monthly, taking into account the minimum balance for the past month. The interest rate changes automatically.

Step-by-step procedure for opening a savings account with Sberbank

There are two ways to open a savings account: by contacting any branch of Sberbank of Russia or through Sberbank Online. Regardless of where the account is issued, transactions on it can be made both at the bank's offices and via the Internet.

At the branch of Sberbank

To open an account at a branch of Sberbank, you need to visit any office of the organization. You must have a passport or other identification document with you.

A bank employee will draw up an agreement in the name of the client with the introduction of his personal and passport data. The agreement specifies the type of account, the date of its opening, the amount of the deposited amount, as well as the rights and obligations of the depositor and the bank.

The contract is sealed by the signatures of the client and the employee, as well as the seal of the organization. One copy of the agreement is given to the client, the second remains in the bank.

The next step is to deposit money into the account through the bank's cash desk on the basis of a credit order. After that, the account is considered open.

In the future, in order to make transactions on the account, it will be necessary to present an agreement at the bank. If the client has a personal account in Sberbank Online, then he will be able to manage the account via the Internet. In your personal account, you can monitor the status of the account and see the amount of interest and the balance of funds.

To Sberbank Online

To open a savings account with Sberbank Online, go to your personal account, select the "Deposits and accounts" page, then the "Open a deposit" item.

The window will display all available deposit options. At the end of the list is the item "Savings account". Check the circle next to this item and click on the "Continue" button.

A page with account details will open: name, opening date, amount and currency. By default, the account is opened in rubles, but the currency can be changed. Next, click on the "Open" button.

The text of the contract opens on the next page. You need to read it and put a tick to confirm your agreement with the terms of the deposit. Then click the "Confirm by SMS" button.

A five-digit code will be received on the phone, which must be entered in the appropriate box and click the "Confirm" button.

Savings account opened. Now you can print the contract and replenish your account from a card or other account.

A savings account with Sberbank is easy to open, it attracts with its convenience and flexibility in use. But it should be borne in mind that it is impossible to get a large income from it. The account is suitable only for storing money and making transactions.

Sberbank for citizens of the Russian Federation provides an opportunity not only to take loans and issue bank cards, but also a number of additional products and services. These include the creation of a Savings Account from Sberbank, which differs from the usual one in its perpetuity. Let us consider in more detail the investment conditions within the product and its main features.

What is a "Savings Account" from Sberbank

A savings account from Sberbank is a perpetual, multi-currency deposit that has no restrictions on terms, amounts of replenishment and withdrawal. Its conditions are somewhat different from other Sberbank deposits, where the rates are higher, but the lack of deadlines and a minimum account balance make it accessible to everyone. The currency can be different - rubles, euros, US dollars, yuan, pounds sterling and a number of others.

In addition to the guarantee of savings, the depositor gets the opportunity to increase the invested money due to accrued interest with the stipulated monthly capitalization. Investment can take a fully automated process - the investor only needs to replenish the deposit, without worrying about closing or prolonging the contract.

Before proceeding to opening a savings account with Sberbank, it is recommended to consider two important points:

1. Under this program, among all possible deposits, the lowest interest is charged. Therefore, it makes no sense to open an account in order to increase the available money and receive passive income, unless we are talking about a very small amount. Sberbank positions this account as a tool for storing money and making payments, rather than saving.
2. The interest that the bank accrues during the term of the agreement cannot be transferred to plastic or another account. They are capitalized - that is, they immediately replenish the principal amount.

Interest rates

The interest rate that will be charged on the balance depends on the amount of money credited and the connected service package. The table shows examples for ruble accounts:

Deposit balance	base rate	For Sberbank Premier package	For the Sberbank First package
From 0 to 30 thousand	1%	1%	1%
From 30 thousand to 100 thousand	1,10%	1,65%	1,90%
From 100 thousand to 300 thousand	1,20%	1,80%	2%
From 300 thousand to 700 thousand	1,30%	1,90%	2,05%
From 700 thousand to 2 million	1,50%	1,95%	2,1%
From 2 million	1,80%	2%	3%

If, when opening a savings account, the depositor chose the currency of a foreign state, then regardless of the amount of transfer, the interest rate will be charged in the amount of 0,01%.

How to use the account

Using a Savings Account is not difficult. With the connected Sberbank Online service, most transactions can be performed remotely, via a PC or an application for mobile devices. But it is important to remember that using an open account for doing business prohibited.

Deposit and withdrawal of money

As mentioned above, anyone can be credited and withdrawn from the savings account, since Sberbank has not established any restrictions in this part. It is possible to replenish the deposit both in cash at the institution's cash desk or payment terminal, and by wire transfer from a Sberbank debit card through an ATM or Internet bank.

It is not possible to transfer money from a card account of another banking institution to a Savings Account. Money is first transferred to a Sberbank card, and then to an account.

You can withdraw funds at one of the nearest branches of Sberbank by presenting your civil passport to the cashier. You can also withdraw the balance to a debit card. To do this, you can use an ATM, payment terminal or the Sberbank Online service.

Withdrawing money through online banking is as follows:

Translation may take up to one business day. In some cases, operations require confirmation by employees who can only do this during working hours, which should be taken into account when planning your actions.

Carrying out other operations

Savings account operations are available as follows:

• Transfer from a deposit to a Sberbank card.
• Receipt from third parties.
• Replenishment from your cards and accounts.

If the depositor needs to send money to the account or plastic of a third party or receive a payment from him, then in these cases a payment order will be required. Without it, the operation will not work.

Since the currency of the savings account can be not only the ruble, but also the US dollar, euro, British pounds sterling, Chinese yuan, Hong Kong, Canadian and Singapore dollars, both incoming and outgoing transactions can be carried out in them. If necessary, the bank independently converts the currency at its own rate.

Non-cash transactions are carried out in any of the supported currencies, and cash in all but the Canadian, Singaporean and Hong Kong dollars.

How to open a savings account

Sberbank offers to open a Savings account in it not only to citizens of the Russian Federation, but also to foreigners. But it must be a person over the age of 14 who has the right to accommodation in Russia.

From the Russians, one of the documents is required, which can confirm the identity. The choice of y consists of the following:

• Passports of a citizen of the Russian Federation.
• foreign passport.
• Driver's license.
• Military ID.
• A special certificate (if an employee of a law enforcement agency wants to open an account).

Foreigners are asked to present a national passport and a paper that proves the right to stay and reside in Russia.

The process of opening an account can be done in two ways:

1. In person at a branch of Sberbank.
2. remotely.

In the first case, the client needs to take one identity document with him, come to the nearest branch of Sberbank, then contact the manager with his intention. He will first answer all the questions put to him, and then prepare the contract for signing.

The agreement begins to come into force from the moment the bank employee and the depositor put their signatures on it. The period during which the contract is valid is not set, so this document will “work” for life. At the same time, it is not necessary to immediately deposit money into the account, you can do it any day.

The account is not necessarily the most. To do this, you can involve a legal representative, having previously drawn up a power of attorney with a notary to open and manage an account. But since its validity is limited, after its expiration, the bank will cancel the right to carry out all financial transactions. If the deposit is registered for a minor, then in addition to documents for the child himself, papers from his parents / guardian / trustee, etc. will be required.

The second way to open a savings account involves using the Sberbank Online service. With it, you can not only close and open a deposit, but also make transfers and manage funds as needed and without restrictions. Only those citizens who have a valid Sberbank card to which the Mobile Bank service is connected can use this method. The procedure for opening an account through the Internet Bank is as follows:

If the steps are performed correctly, then the newly created new account will be reflected in the “Deposits and accounts” item.

If desired, the depositor can activate the "Piggy bank" service, with the help of which it is possible to automatically transfer money from a card or other account in order to increase the amount of the deposit. There is no charge for this service. Moreover, you can connect two or three Piggy Banks at once, depending on the number of accounts available.

By a similar principle, you can open a deposit through an ATM or Mobile Bank.

Termination of an agreement

You can terminate the agreement and close the Savings Account both online and in the financial institution itself. Moreover, in the second case, it is not necessary to do this in the same department in which the deposit was opened. Recently, it has become possible to simply contact the office of any city for this purpose. You need to have a civil passport and the contract itself. In the institution, the depositor will need to write a corresponding application. After the documents are accepted, during the next 7 business days the bank must transfer money from the Savings Deposit to one or more accounts specified in the application.

If the depositor wishes to close the account within the first 20 days of the agreement, the bank will consider this as premature termination and will charge an interest rate of only 0.1%.

When closing a deposit through Sberbank Online, it is important to consider that this can only be done during business hours and the money that is on the account should not be used to close the loan debt. The procedure itself is simple and takes place in several steps:

If everything is done correctly, the monitor will display a print with the mark "Completed".

Due to the peculiarities of the system, the account will look like an active one or two next days, but it will no longer be possible to conduct operations on it.

Advantages and disadvantages for investors

Like any banking product, the Savings Account from Sberbank also has its advantages and disadvantages. Of the latter, only one point can be distinguished - a small amount of interest accrued on the balance. But given that the main goal of the program is precisely to save money and manage it, and not to generate income, this can hardly be called a disadvantage.

Here are some of the many benefits:

1. Since Sberbank is considered one of the most reliable institutions in the country, the depositor gets the opportunity to place funds for their further safe storage.
2. There are no restrictions on the implementation of incoming or outgoing transactions, the depositor has the freedom to dispose of money at any time.
3. From the savings account, you can transfer money to pay for services and goods.
4. You can open a deposit not only through a personal visit to the bank, but also online. In the future, it can also be controlled remotely.

If a person has a need for passive income from investing his own funds, then he can take advantage of another offer from Sberbank for deposits with higher interest rates, but with a number of restrictions.

Having a savings account with Sberbank gives its owner confidence in his future. By crediting, from time to time, money to him, you can set aside them for a major purchase, paying for a child’s education at a university, or for other needs. This is a good way to save, providing a small but passive income, and the ability to withdraw funds at any time.

Those who want to become bank customers often encounter a lot of new terms and definitions, for example, what is a savings account, what conditions must be met to open it, what documents are needed? It is worth studying the information in detail so that later you do not have to open another account for the needs of the client.

What it is?

First you need to know the definition of this account, and only then open it. Depending on the purpose of registration, the bank is ready to offer various banking products: for receiving increased interest or for settlements. So, this is an opportunity not only to save your own money, but also to receive a small dividend from a financial institution. It is suitable for those who want to be able to freely dispose of their funds, since the terms of its service allow you to make income and expenditure transactions at any convenient time.

In most cases, it is used as a transit account, where you can transfer a large amount of money (for example, a loan). It replaced the well-known "universal" account, which had certain restrictions and an interest rate of 0.01 per annum.

Conditions for registration by citizens

Any individual over the age of 14 can open it (a passport is required to conduct a banking operation). If you need to open an account in the name of a minor child who has not yet reached this age, then this can be done by his parent or guardian. Another important condition is the presence of permanent or temporary registration on the territory of Russia.

If an account is opened by a foreign citizen, then he must have a passport of a foreign state, as well as a temporary residence permit or residence permit. Age restrictions are equivalent to those that are put forward to Russian citizens. Being a client of Sberbank, namely the holder of a plastic card (which provides access to the Sberbank Online personal account), you can open an account remotely. In other cases, you will need to contact the nearest branch of the bank.

Interest rates, currency, terms

According to the terms, the savings account is unlimited, the current interest rates are quite symbolic. This is due to the fact that it is not a deposit and is not intended to receive maximum income in the form of accrued interest. To do this, the bank offers to open a certain deposit, which will allow you to receive much more additional income in the form of accrued interest. In this case, interest on a savings account should be considered as one of the pluses, which allows you to make payments, make transfers and at the same time receive a small additional income from the bank.

Sberbank offers to open an account in several currencies: rubles, euros, pounds sterling, as well as Canadian, American, Singaporean and Hong Kong dollars, Chinese yuan. The highest interest rate is provided for the ruble account (from 1% to 1.8%, depending on the balance on the date of interest calculation), in foreign currency the rates look less attractive (0.01% regardless of the amount).

Terms of interest

Interest is calculated monthly. The interest rate is annual, i.e. if 1% is provided, then the amount of interest will still have to be divided by 12. According to the tariff, capitalization is provided for on the account, which means that if there is a balance, the bank will charge interest, while maintaining a positive balance , next month, interest will be accrued on the entire amount (including interest that the bank has already accrued in the previous month).

It is noteworthy that according to the tariffs of the savings account, the minimum balance can be zero. This is convenient if you need to withdraw or transfer the entire amount. Previously, the bank opened only a "universal" account, which provided for the need to leave 10 rubles in the balance. This was inconvenient in cases where it was written off to repay the loan. Some clients turned out to be debtors and the amount was often rendered "delayed".

Reason for closing an account

Benefits of opening an account

The undoubted advantage of a savings account is its versatility and accessibility. There is no need to leave a certain amount so that the account does not close, you can receive a small but significant percentage from the bank. If you have a bank card, all operations (including closing an account) are available through remote service channels. According to the savings account, there is no need to carry an agreement or any other documents confirming that the client is its owner. This condition is applicable in cases where the client applies to the bank office of the region in which it was opened or if the Green Street conditions apply.

Large selection of currencies in which opening and subsequent banking operations are available. This will be appreciated by those who often face the need to travel abroad or make purchases in online stores, transfer money to relatives living in other countries.

Cons of a savings account

If we touch on the disadvantages of a savings account, this is a small percentage of the balance. It would seem that it belongs to the pros, but every client wants to receive increased income, even on a simple account. There is another point that confuses many "experienced" customers of Sberbank - the lack of an issued passbook. Most believe that if there is no documentary evidence that the bank has an account, then it is easy to lose it or others can use it. But, these experiences are in vain. To contact the branch in order to obtain information on the account, conduct debit transactions, you need a passport. Consequently, another person cannot use the account, even if he knows his number. All that is available to third parties who do not have a power of attorney in their hands is the deposit of funds.