Having a bank account is necessary for many financial transactions. Today, almost everyone has a personal bank account, and for individual entrepreneurs and legal entities, having a bank account is a necessary condition for successful financial management.

In order to open an account, users choose reliable and experienced banks. One of these is Sberbank, which enjoys government support. The procedure for opening an account with Sberbank and the documents required for it differ for different organizational and legal forms and individuals.

So, to better familiarize yourself with the procedure for opening an account with Sberbank, you should consider the following information:

• Preparation of necessary documents.
• Conclusion of an agreement.
• Actions after opening an account.
• Relationship with the bank.

How to open an account in Sberbank for individual entrepreneurs

So, in order to open an account with Sberbank, an individual entrepreneur will need the following documents:

What should an individual entrepreneur do after collecting documents?

The collected documents should be presented to a bank employee, after which they are handed over to the relevant employees for verification of authenticity.

If the verification result is positive, within a few days a unique account will be opened at Sberbank for an individual entrepreneur. If the check reveals errors in the documents, the user will have the opportunity to present original documents within the specified period.

What should an individual entrepreneur do after opening an account?

After opening an account with Sberbank, an individual entrepreneur must provide account information to:

• Pension Fund.
• Tax Inspectorate.
• Social Insurance Fund.

Further relations with the bank

Sberbank’s responsibilities include timely execution of financial transactions and ensuring the safety of client funds. At the same time, the bank is empowered to monitor transactions and payments made by clients.

An individual entrepreneur can close a bank account and withdraw funds from it at any time.

The Bank maintains commercial secrets in relation to all transactions carried out by the client, even after the account is closed.

How to open an account in Sberbank for a legal entity

To open an account with Sberbank, legal entities must provide the following documents:

Cards must contain signatures of persons authorized to manage financial transactions and information about the account owner.

Basically, the head of the company and the accountant have the right to manage funds. After submitting the documents, the identification procedure of the legal entity is carried out.

Identification of a legal entity

In order to undergo the identification procedure, a legal entity must accurately provide the following information:

• Name.
• Organizational and legal form.
• Legal and postal addresses.
• Taxpayer identification number.
• State registration information.
• Postal and legal addresses.
• Licenses.
• Information about the authorized capital.
• Information about how often the person is at the place of registration.
• Information about authorized persons.
• Contact numbers.

If all the information is correct, an account will be opened with Sberbank for a legal entity.

After opening an account, the legal entity must notify the tax authorities about it within a week.

How to open an account with Sberbank for an individual

For an individual, the procedure for opening an account is much easier. To do this, you should come with your passport to the nearest bank branch, where specialists will help you choose the most suitable program in accordance with the purpose of opening an account. The contract specifies the personal data of the individual.

A passbook and a plastic card are linked to the person’s account.

• The savings book is issued immediately upon conclusion of the contract. The validity period of the book is 10 years, after which it is closed or replaced with a new one.
• The plastic card is produced within three weeks and is valid for three years. When manufactured, a plastic card can be obtained at the branch where the account was opened. To receive a card you must present your passport.

If a person does not show up to receive a card within six months, the bank will try to find him based on the contact information he provided. If it is not possible to find him, the card will be destroyed.

How to open an account in Sberbank Online

To register an account online, follow these steps:

• The Sberbank Online service is issued at the Sberbank office. Then a universal agreement is signed. You must have a passport.
• A person is instantly and free of charge issued a plastic card if he does not have another Sberbank card.
• The password ID can be obtained from an ATM or Sberbank terminal. The details will be written on the check. If you activate the mobile banking service, the data will be sent to your phone in the form of SMS.
• Then you should go to the Sberbank website and log into the Sberbank Online system using the authorization data indicated on the check.
• Next, you should find the “Opening a deposit” option in the “Deposit Operations” tab.
• Select the appropriate type of agreement and, after clicking the “continue” button, enter the specified information, namely, the card number from which funds will be transferred to the new deposit.
• If the necessary funds are not available, the balance of the instant card and other Sberbank cards can be replenished by transferring the amount from another bank.
• Then the “open” button appears, after clicking which you should carefully read the terms and conditions and double-check all the information. After this, you should confirm your application to open a deposit.
• If everything goes according to the rules, the operation of opening a deposit will receive the status “completed”

Paid services of Sberbank

The following operations performed at Sberbank are paid:

• Opening an account – 5000 rub.
• Remote maintenance system – RUB 3,500.
• Clients with annual revenue of less than 1.8 million rubles, agreeing to the condition of obtaining a loan in this particular bank division, pay 1000 rubles for opening an account.
• Connection to the Sberbank Online service – 810 rubles. per month.
• VAT: 400 rub. – signature when issuing a card with signatures and seal, 100 rubles. – one certified copy of the card, 10 rubles. – 1 sheet of certified documents for opening an account.

As you can see, the procedure for opening an account with Sberbank requires a responsible approach. The main thing in this procedure is to correctly fill out all the papers in accordance with the requirements of the bank and carefully follow the specified instructions.

Sberbank current account - a bank account for conducting non-cash transactions, storing and using funds in solving financial problems. The rules for registration, terms and package of documents are regulated by the internal rules of the credit institution. Sberbank current account number- a “key” to the account, which allows you to identify the user, make withdrawals, deposits and transfers of funds. This number is created automatically after the client registers and enters data about him into the ABS database.

? In relation to Sberbank and other credit organizations, a number of methods are distinguished :

• With the help of executed agreements.
• Through the bank's call center.
• According to the data indicated on the PIN envelope.
• Personal visit.
• Using Sberbank-online.
• On the institution's website.
• Through an ATM (terminal).
• Using a mobile application.

How to find out the Sberbank current account number in documents?

When opening a current account or receiving a corporate card, the bank employee and the client sign an agreement. How to find out your current account number ? The algorithm is like this:

• Find the point where the details section is given (on the last page of the agreement).
• On the left side there is a 20-digit code in the column where information about the owner of the account (card holder) is indicated.

The method of obtaining data from documents is the simplest, but it is not always possible to find an agreement in a pile of documents. How else can you find out the information you are interested in?

Call center

The bank's hotline operator will tell you the Sberbank current account number.

To find out the information you need :

• Dial a call center that works without interruptions. Phone - 8-800-555-55-50 (no charge for calls).
• Press the “*” button to switch the device to tone mode.
• Listen to the “robot’s” recommendations and wait until the center operator gets in touch.
• Provide information about the bank card, the owner and the code word (phrase). The latter is stated in the application when applying for “plastic”.
• If identification is successful, receive a current account number.

PIN envelope

More and more banks are refusing to issue PIN envelopes, preferring to personally install the code immediately after issuing the card. How can I find out my current account number using this method? You need to find the 20-digit numeric code on the envelope. It should not be confused with a 16-digit card number, because these are different things.

Personal visit

The simplest way is to personally come to a Sberbank branch and find out what interests you. You should take your passport and corporate (other) card with you. After waiting in line and gaining access to the manager, you can expect to receive the following data:

• TIN and BIC.
• Recipient of payments.
• Correspondent account.
• Account number

This is enough to transfer money or receive transfers from legal entities.

Sberbank Online

The easiest way is to find out your current account number online . Three conditions are required here:

• Availability of activated Sberbank-online service.
• Registration in the system.
• Access to a computer and global network.

You can view your current account number online like this:

• Log in to your online banking account (you will need an ID).
• Select the section for obtaining information on the card.
• Go to the transfer details section.
• Record or print the received data.

The peculiarity is that information on salary or credit “plastic” is not displayed.

You can also obtain data through a mobile application using a similar principle (only via phone).

Unlike a legal entity, it is not necessary to open a current account. However, due to the fact that it will still be needed for full-fledged and legal activities, many people immediately ask the question of how an individual entrepreneur can open a current account with Sberbank.

Why Sberbank?

Like any other bank, Sberbank has a lot of both positive and negative qualities. However, it is for individual entrepreneurs that the proposed conditions are quite favorable, compared with other financial organizations. In addition to the directly favorable conditions for opening and servicing an account, an additional advantage of Sberbank is a large number of service points, which greatly facilitates the work of individual entrepreneurs, making it more comfortable and faster.

Also, Sberbank is distinguished by its very high reliability, which plays an important role for many people who are worried about their funds and want to. No one wants to come to the bank one day and find out that all their accounts are frozen because the organization has gone bankrupt. The chance of this happening to Sberbank is extremely minimal.

Benefits of having an account

Thanks to the presence of a current account, an individual entrepreneur has the opportunity to quickly carry out any financial transactions in a non-cash manner: pay for goods and services, receive payments from other organizations and individuals, and so on. Since legal entities are required to make all payments exclusively through a current account, the absence of one for an individual entrepreneur can significantly complicate, or even completely negate all attempts at cooperation with counterparties.

In addition, if you open a current account with Sberbank for an individual entrepreneur, you can enter into an agreement on the provision of payment terminals with a plastic card. Previously, this was not particularly important, but recently more and more people understand the profitability, reliability and safety of plastic cards and use them much more willingly and more often. So, having the opportunity to pay for goods or services with a plastic card can attract more people to individual entrepreneurs

Card account

We should not forget that withdrawing money from an account into cash is not always profitable or convenient. However, if you link an individual entrepreneur’s account to a plastic card issued specifically for this purpose, you can freely transfer funds to it, and subsequently cash them out if necessary. All this is offered by Sberbank.

Opening an individual entrepreneur's current account is easier and faster than in most other banks, and high reliability and low maintenance fees will allow you to use your account comfortably and confidently. Also, this plastic card will help you pay more profitably and conveniently not only in the Russian Federation, but also in other countries, which can be very useful for those entrepreneurs who plan to conduct international activities.

Requirements for individual entrepreneurs

Sberbank has no direct requirements as such. However, there is a certain list of necessary papers that an individual entrepreneur must provide to the bank, since it is simply impossible to open a current account for an individual entrepreneur whose contract, documents or any other documents do not comply with legal requirements.

To ensure that there are no claims against the individual entrepreneur either from the bank or from the legislative bodies, it is required to provide:

• application for opening an account;
• certificate of registration with the tax office (it must be notarized);
• Individual entrepreneur (also certified by a notary);
• a copy of the extract from the Unified State Register of Individual Entrepreneurs (from the moment of issuance of such an extract to the moment of opening the current account, no more than one month should pass, otherwise it will not be considered valid);
• a copy of the relevant certificate from the statistical authorities;
• a copy of the license, if the activities of an individual entrepreneur are subject to licensing;
• a copy of the entrepreneur’s passport;
• seal impression and sample signatures of all persons who will, to one degree or another, have access to the current account (chief accountant, deputy, senior administrator, etc.).

After submitting all the listed documents, the account will be opened in the near future.

Sberbank conditions

According to what the instructions for opening a bank account for an individual entrepreneur say, tariffs and payments for its opening and maintenance may vary, depending on the territory in which the opening takes place. On average, the payment directly for the opening itself will be around 2,000 rubles, and monthly maintenance ranges around 1,500 rubles.

In addition, you can immediately write an application for connecting to Internet banking and for a corporate card. These financial instruments will eliminate the need to frequently visit the bank (and, as a result, there will be no need to waste time in line) and will allow you to easily and easily cash out the required amount if necessary.

pros

As mentioned above, Sberbank has many advantages, especially for those who want to open an account for an individual entrepreneur in Sberbank. What most entrepreneurs who are looking for a financial institution that would agree to open an account for them need to know is the fact that their funds will be completely safe at Sberbank. The reliability of this organization is unmatched among other banks in the Russian Federation. In addition, convenience and ease of service, relatively low tariffs, the absence of hidden commissions and payments, and a huge number of branches and branches in all cities of the country - all this will help you make the right choice.

Minuses

Like any other organization, Sberbank also has its negative sides. Despite the huge number of service points, the number of its clients is so large that very often you have to stand in queues at branches. Naturally, this is not acceptable time which costs money. However, once you stand in line to open a current account in Sberbank for an individual entrepreneur, you should immediately submit an application to connect Internet banking and a plastic card to this account. Thanks to the opportunities provided by such financial instruments, future visits to the bank can be minimized.

Results

Summarizing all of the above, we can conclude that opening a current account with Sberbank for individual entrepreneurs will be a very profitable and convenient solution for most citizens. Perhaps in other banks you can find lower fees for servicing, opening an account or other bonuses that are not provided by Sberbank, but when it comes to funds, it is recommended to overpay a little and be absolutely sure of their safety. This is much better than constantly twitching and worrying about whether tomorrow you will be able to work with your account or whether the bank will suddenly close (or have its license taken away).

In fact, there are many reasons why a financial institution may suddenly freeze money in an entrepreneur’s account, and not all of them depend directly on the bank, but if possible, such risks should be minimized. It’s one thing if movement on an account is stopped for a short period of time and one contract falls through, this is very unpleasant, but tolerable, and it’s a completely different thing if after an entrepreneur receives a large sum, his accounts are “suddenly” allegedly arrested, frozen, closed, etc.

The main financial instrument of a business entity is a bank current account. It is also difficult for individuals to do without an element with which they can carry out non-cash transactions. Sberbank of Russia occupies a leading position in the Russian banking services market. Who are the clients of a financial institution, what can it offer them and how can they obtain its services?

Opening an account in Sberbank

What is a current account

The current account of a banking institution is its element that has a specific entry in the register, under which the cash balance is listed in the equivalent of the currency in which it was opened. The bank client has round-the-clock access to his funds, which he has the right to use at his own discretion without the use of restrictive measures.

A current account is a tool for organizing standard financial transactions.

Some of its types are cumulative in nature, which allows you to receive additional income from invested funds. However, they are used extremely rarely due to the low interest rates typical for such a banking element.

Who are the bank's clients?

Regulatory and legal sources grant the right to use bank services in the field of conducting transactions through a current account to individuals, legal entities and individual entrepreneurs. Business entities open an account in order to implement their entrepreneurial idea, which is impossible without making money transfers. Individuals can use current accounts to make transfers and also as transit elements.

How many accounts can you open?

Sberbank clients, depending on their status, can use several banking products. They must differ in qualitative characteristics, which could be the intended purpose or currency of the product.

Customer Service Terms

Opening an account on the bank's official website

Opening a current account is paid by the client in accordance with the amount agreed upon in the contractual agreement. Its service is also not free. Funds under this item are withheld from the account by the bank on a monthly basis. The client must also be prepared to pay for the transition from one tariff to another.

Read also: How can a citizen of Ukraine open an individual entrepreneur in Russia?

What do you need to know before opening an account?

Before opening a current account with Sberbank for an LLC, a potential client should familiarize itself with the terms of cooperation offered by the bank.

You can get the necessary information at its branch, on the official website or by calling the hotline. It is recommended to find out in advance about the cost of opening and maintaining an account, the package of services provided and the conditions for performing transactions. When signing the contract, the client must have information about the availability of automated services, the timing of the statement, the possibility of changing the tariff, as well as the conditions for the procedure.

To sign a cooperation agreement between a banking institution and individuals, it is sufficient to present a passport and tax identification number. For legal entities the list is significantly expanded. Business representatives who are managers of LLCs must prepare copies and originals of documents:

• constituent documents;
• registration certificate;
• certificate of entry into the unified register database;
• extract from the register;
• a document confirming the fact of tax registration;
• a card with sample signatures of the head of the enterprise and his chief accountant authorized to carry out banking operations;
• orders on the appointment and powers of company managers;
• documents identifying the applicant and his authorized person;
• account holder profile;
• statement;
• license to carry out activities;
• power of attorney, if the account opening is not carried out by the head of the company.

If one of the documents is missing, the applicant will be refused to sign the cooperation agreement. The package of documents will be returned to its owner, and the procedure for registering the relationship will be postponed until the package of papers is collected.

List of documents required to open a current account

After choosing the tariff that is most suitable for the terms of service, and collecting the package of required documentation, a potential banking client must contact the branch of the financial institution in order to formalize the relationship. He can also reserve an account in advance, which saves time, speeds up the product checkout process, and funds the account before it is activated. The procedure is relevant for opening LLCs, when before its registration it is necessary to form an authorized capital. The option is also convenient for already functioning business entities, in situations of changing the servicing bank, when it is necessary to receive payment for services or for the sale of products under executed contracts with counterparties.

In order for an individual entrepreneur to open an account with Sberbank, he must approach the responsible bank employee with the following documents:

• application for opening;
• certified certificate of state registration;
• identification document;
• tax registration certificate;
• business licenses, if they are necessary in this area;
• a certified power of attorney confirming the rights of the persons indicated on the card to perform transactions with funds;
• cards to display sample signatures of managers and the individual entrepreneur’s seal (they can be certified directly at the bank).

After submitting the documents

The collected documents are transferred to the chief accountant or chief lawyer of the bank. Next, a special examination is carried out - checking for authenticity.

If everything went well, in a few days an account for individual entrepreneurs will be opened at Sberbank with a unique number assigned.

Mandatory actions after opening an account

When the account is opened, the entrepreneur must, within a week:

• provide information on an open account to the tax office;
• notify the Pension Fund about this;
• notify the Social Insurance Fund (if it is a member of it or has employees).

Relations with Sberbank of Russia

Before opening a current account with Sberbank, the individual entrepreneur signs an agreement for settlement and cash services. Bank obligations:

• timely execution of all operations in accordance with regulatory documents;
• guaranteeing the safety of the entrepreneur’s funds.

Sberbank acquires the right to monitor all payments made and evaluate them in terms of rationality. Payment orders are used to formalize all actions and indicate the purpose of the payment being made.

An individual entrepreneur may request that a bank account be closed and funds released at any time. The Bank maintains commercial secrets in relation to settlements, payments and transactions not only during the validity period of the agreement, but also after its expiration.

Opening an account with Sberbank by a legal entity

Preparation of documents

Opening an account requires a legal entity to provide documents:

• certificates of state registration;
• charter or constituent documents;
• cards;
• confirmation of the powers of the persons listed on the card;
• evidence of the authority of the general director;
• certificate of registration from the tax service.

The card must contain the following information:

• a list of persons authorized to manage the company’s funds in the bank;
• about the owner of the current account and its location;
• signatures of employees authorized to perform transactions with the account;
• seal impression (sample) of a legal entity.

As a general rule, the following have the right to sign for the disposal of funds:

• head of the company with the right of first signature;
• accountant with second signature rights.

In relation to an accountant or other person authorized to maintain the company's accounting records, documents confirming the position held are required.

Identification procedure

Before opening an account, Sberbank verifies the legal entity using an identification procedure.

To do this, it is necessary to provide information regarding:

• Legal Entity Name;
• organizational and legal form;
• data on state registration;
• legal and postal addresses;
• information about the availability of licenses;
• information about the company's bodies;
• the amount of authorized capital;
• information on the frequency of location of the legal entity at the place of registration;
• information about persons authorized to act on behalf of the company;
• list of contact numbers.

After checking the documents, an account is opened for a legal entity, and an entry about this is made in the registration book. Within a week from the date of conclusion of the agreement, the legal entity is obliged to notify the tax service of the fact of opening an account.

Is it difficult for an individual to open an account with Sberbank?

Purposes of opening an account

Anyone can Russia. You need to go to your local bank branch with your passport and inform them about the purpose of opening an account. Specifying the purpose influences the type of banking product offered.

When registering an account for an individual, it is linked to a plastic card or savings book. This allows a person to manage the funds coming into the account.

Sequence of procedure

A bank employee will offer an individual the most suitable and profitable program for opening an account. A standard agreement will be drawn up, which will include personal data and information on the open account. An open passbook is issued immediately. After 10 years, it is replaced or the account is closed (if the books are not canceled by then).

The maximum production time for a plastic card is up to three weeks. You can also get it using your passport. We are talking about a personalized card. It is valid for three years, and then is reissued and sent to the bank branch where the account is opened.

The bank monitors the deadlines. According to its rules, the new card arrives at the appropriate branch no later than two weeks from the date of expiration. The client should receive it within six months. If he does not do this, account servicing will be suspended. The bank will try to find the client based on existing contacts. If this fails, the card will be destroyed.

How to open an account with Sberbank online?

The procedure for opening a Sberbank account online is quite simple.

You just need to carefully go through the following steps:

1. An application to connect to the Sberbank online service is filled out at the Sberbank office. The bank employee identifies the person using the passport. Then comes the stage of signing a universal banking service agreement.
2. If a person does not have any Sberbank card, then he is issued a free plastic card of immediate issue.
3. At the client’s request, he is connected to the Mobile Bank service (with a small subscription fee from 30 to 60 rubles per month).
4. Through an ATM or terminal, using a card, a user ID with a permanent password is purchased. They are printed on a checklist. If Mobile Banking is connected, this information is sent to your phone.
5. A client who finds it difficult to act is helped by a Sberbank consultant who is constantly present in the room.
6. Connect to the Internet using a home computer, Sberbank terminal or mobile phone. On the main page of the site you need to go through the options: “Individuals – Online services – Sberbank-online”. By clicking the “Login to Sberbank Online system” button, a window opens in which you need to enter an identifier and password (remember, this data is in the terminal printout or in an SMS message).
7. After logging into the system, go through sequentially: “Payments and operations – Deposit operations – Opening a deposit.”
8. There's no need to rush. First, you should read the terms of deposits (interest rates, minimum amounts, terms, etc.) and select the type of agreement.
9. Having selected a contribution, click “Continue”. Fill out the application form that appears to open a deposit. The card number is indicated for debiting the required amount from it and crediting it to a new deposit.
10. The screen shows all the card numbers the client has and the amount of account balance.
11. If the client does not have sufficient funds in Sberbank to open a deposit, a non-cash transfer of the required amount from another bank is possible. It can be credited, in particular, to an instant card.
12. After clicking the “Open” button, carefully double-check the filled fields. Then indicate your acceptance of the terms and conditions and confirm the application for opening a deposit.
13. A successfully completed operation acquires the “Completed” status.

What is the price?

Paid transactions

Some Sberbank tariffs accompanying the opening of a current account for business clients (in the Moscow region):

• 5000 rub. for opening an account;
• 3500 rub. for simultaneous connection to the remote service system;
• 1000 rub. for opening an account for Small Business clients with an annual revenue of up to 1.8 million rubles. subject to receiving a loan from this bank division;
• 810 rub. per month for maintaining an account in the Sberbank Business Online system;
• 400 VAT in rub. for a signature when issuing a card with types of signatures and seals;
• 100 VAT in rub. for one certified copy of the card;
• 10 VAT in rub. for 1 sheet of made and certified copies of documents for opening a bank account.

Free operations

These include:

• maintaining an account in the “Client-Sberbank” system;
• maintaining an account in non-profit organizations that, according to their charter, support disabled people and WWII veterans;
• providing statements of current transactions;
• crediting funds to the client account and transferring from the account;
• Closing the account at the request of the client.

The procedure for opening an account with Sberbank differs depending on the type of client. Therefore, it is important to know the intricacies of this process, especially for business representatives.

Video on how to register an LLC and open a current account with Sberbank

Types of accounts

Foreign exchange

For individuals:

That's it, you can use your account. The bank will charge interest on the cash balance. When opening a foreign currency account, you will be asked to open a foreign currency card, with which it is very convenient to purchase goods in other countries or in foreign online stores.

For legal entities

Bring a number of documents to the bank branch:

• photocopies of constituent documents, which must be certified by a notary;
• document confirming state registration;
• photocopy of documents confirming registration with the unified state. registry;
• statement.

After this, a bank card is created, which contains sample signatures of the main officials in the organization and the seal of the organization. The card can be certified by a notary or directly at the bank at the client’s request.

Each foreign currency account opened at the bank corresponds to an individual transit foreign currency account, which is used to receive transfers and payments. This is what should be specified in the details for receiving or transferring funds.

Brokerage

To open this type of account, you will need:

1. Find out by phone or at one of the Sberbank branches where you can open a brokerage account. This can usually be done at the central office.
2. Prepare documents: TIN, passport, passbook or card (if you don’t have any, you will need to get one).
3. Pay for a flash drive with software (QUIK trading terminal). This will cost approximately 2000 rubles.

Using the program provided by the bank, you can work and create purchase and sale orders directly from your computer. This can also be done over the phone. Training materials can be viewed on the official website of Sberbank.

Deposit

1. The official website of Sberbank contains information about all deposit products. Study it and choose the most suitable one.
2. Prepare the necessary documents - for individuals. person is a passport with a registration mark. Next, an application to open an account is written and a deposit agreement is signed.
3. Legal entities will need to submit an application for affiliation (the form can be obtained at any branch) and, if there is no current account with Sberbank, enter into a bank account agreement.

Metal

To open you need:

1. Provide your passport and TIN (if available) to the Sberbank branch.
2. Fill out an application to open a metal account.
3. Transfer precious metal bars or the money with which they will be purchased to the bank and sign an agreement with the bank.
4. Receive a copy of the agreement and the passbook.

Cumulative

To open an account, you will need the same documents: passport and TIN.

An application is written, funds are transferred (minimum 30,000 rubles), after which an agreement with the bank is concluded and signed.

You can choose any account currency; Sberbank clients can also open a multi-currency account to be able to convert one currency into another. The account can be replenished throughout the entire contract period. Interest is calculated at the end of each month.