Sberbank Online - login to your personal account, how to log in and register. Cabinet overview
License of the Central Bank of the Russian Federation: No. 1481
About the bank
Sberbank of the Russian Federation is the largest universal bank in terms of assets financial institution with a developed structure of regional divisions and offices in all subjects of the Federation.
Included in the register of financial institutions - participants state system compulsory insurance deposits. Sberbank of Russia is one of the professional players in the securities market. The list of the organization's services includes all types of transactions on the international financial market.
Since June 20, 1991, Sberbank received a license from the Central Bank of the Russian Federation to conduct transactions with funds of individuals and legal entities in the domestic and foreign currency.
Among Russian credit and financial institutions, Sberbank occupies a leading position in terms of the number of clients - individuals and legal entities, and the volume of financial transactions carried out in rubles and foreign currency.
Holders of debit and credit plastic cards Sberbank can use ATMs - there are 2064 ATMs in Moscow.
The head office is located in Moscow at the address: Moscow, Starokachalovskaya street, 1k1. In total, there are 502 branches of Sberbank of Russia branches in Moscow. contact number head office: 8 800 555-55-50.
Sberbank of Russia offers clients - individuals and legal entities full list financial services.
A wide range of bank products is available to individuals:
- deposits,
- plastic debit and credit cards,
- consumer and targeted loans, including mortgages and car loans,
- Sberbank of the Russian Federation offers clients all available ruble and currency transactions.
There are 19 programs for time deposits with a maximum rate of up to 6.20%. Among the most profitable and popular programs offered by Sberbank of Russia, we can highlight the following types deposits: Manage, Special Replenish, Save (For pensioners).
Various options are available for clients in Moscow debit cards. To date, the total number of programs that Sberbank offers to individuals has reached 21. The maximum rate on the balance today is 0.00%. Sberbank of Russia provides such popular cards as Visa Card with big bonuses, MIR Pension Card, Visa Platinum “Give Life” PayWave.
8 programs credit cards available today to individuals - clients financial organization. Sberbank of Russia provides plastic with a minimum rate of 21.90% and various grace periods. Among the bank's popular products are the following: Visa Classic Aeroflot, Visa Gold Aeroflot, Aeroflot Visa Signature.
Total number consumer loans today it is 6. Sberbank of Russia offers programs with an interest rate of 11.90%. The most popular consumer loans include Loan with a guarantor, Consumer secured by real estate, Loan for any purpose.
Sberbank of Russia offers various mortgage loans. To date, the number of programs reaches 39 housing lending programs. Minimum bid for a mortgage is 6.00%. Among the most popular and profitable programs, in the opinion of clients, are the following: Mortgage from the developer in the residential complex Novoe Biserovo 2, Mortgage from the developer in the residential complex Civilization, Mortgage from the developer in the residential complex Silver (Silver).
Complete information on products in each category is contained in the corresponding tabs on our financial portal.
You can check the current buying and selling rates for foreign currencies today. You can buy euros at a cost of 70.53 and sell them at a price of 74.02 rubles. The dollar buying/selling rate is 65.58/62.48 rubles. The data is constantly updated by our portal specialists so that clients are always aware of current indicators.
Sberbank has long gained a reputation as one of the most promising and reliable financial institutions. But not only Russian citizens can use the high-quality service of Sberbank. In Germany, Kazakhstan, Belarus, India, Pakistan and a number of other countries, there are currently over 19,000 branch offices. The main advantages of the bank have always been the highest reliability and convenience for customers! Sberbank's service and services are unique to users.
For any banking organization, stability is the most important indicator high status. Here are some statistics:
- In Russia, more than 75% of citizens are regular clients of Sberbank or regularly use the services offered.
- Branches operate in 85 regions Russian Federation.
What other financial institution can compare with Sberbank in terms of scale of work? This is unlikely to happen, despite the fact that interest in the organization’s services is constantly growing.
The bank offers a wide range of services for both individuals and legal entities. This list includes the best Sberbank Services - loans of any volume (cash); issuance and servicing of credit cards with different limits; deposits; mortgage loans; online banking; refinancing; loans for car purchases and much more.
Sberbank Online Services
Sberbank Online is a completely new and already popular service. With its help, you can manage your accounts, transfer and receive money anytime, anywhere: from a tablet, PC, laptop and even mobile phone!
Main advantages of the service:
- No need to waste time in queues;
- The ability to quickly and easily pay for mobile communications, services and other services by just pressing a button on a portable device or computer;
- Constant awareness of actions with the account, indicating the exact time of operations;
- Free service delivery format.
"" - a system that works using any Internet connection: regular or high-speed. It is fully automated, so to operate your account you only need a mobile device or a desktop PC.
With Sberbank Online you can:
- Top up the balance of electronic payment systems (, Webmoney, etc.);
- Transfer funds to other users’ debit or credit cards, as well as to mobile accounts;
- Transfer loan payments;
- Make purchases, for example, train, air and bus tickets and many others.
Just. You need to go to the nearest branch and apply for registration. The independent option is even easier.
Sberbank Business Online for corporate clients
Any business in the current conditions needs high-quality, prompt and competent banking services. This allows enterprises to develop, expand and strengthen their position in the market.
Sberbank services "" are the ability to process documents directly on a computer with an Internet connection. The service also includes:
- Receive all information related to accounts.
- Transfer of documents in digital format.
- Ability to communicate and conduct conversations in the system.
It is most convenient to combine two services at once - “Business Online” and “SMS Banking”. You will be informed about all operations in real time via messages on your phone.
Connecting to Sberbank's Business Online service is similar to connecting to Sberbank Online. It is required to fill out an application form at a bank branch, leaving a signature on the required documents.
Many people are concerned about the security of this system. There is no reason to worry! It is perfectly protected from hacking and unauthorized login attempts. The likelihood of illegal access is minimized. The program design was developed by a team of specialists high level, so it has a stylish appearance, an interesting interface and is intuitive for the user.
Among the obvious advantages of Business Online:
- Convenience and ease of use.
- Account management via the Internet without the participation of third parties.
- Carrying out operations regardless of your location and time of day.
- Application of 1C format documentation.
- Document flow tracking.
What types of Sberbank bank cards are there?
are divided depending on:
- On the nature of depositing funds into DEBIT and CREDIT;
- From payment systems to national, regional and international.
A debit card is designed for spending funds from an amount not exceeding the established individual limit.
A credit card is a card with funds from a bank, which gives you the right to use them when necessary. The credit limit is set taking into account your credit history and the state of finances in general (the average limit amount is 30,000 rubles). Grace period is a time that allows you to save on interest payments (during this period interest is not accrued). Credit cards are most popular among the population because they can help out in situations where funds are urgently needed.
Sberbank offers clients a variety of lending systems and programs. Required package documents for this include your application; Russian passport; extract from the place of work; client identification number and income certificate for the last six months.
Loans from Sberbank
In modern conditions, the following factors are important for most borrowers: the amount of interest, flexible terms of issuance and a variety of options. Sberbank offers a favorable format for providing loans with acceptable interest rates, the payment of which does not place a heavy burden on the borrower.
The interest rate depends on:
- Quantities credit funds issued to the client.
- The planned maturity date.
- The selected lending system.
- Financial capabilities of the borrower.
The most popular products with maturity within a year have 14.5% per year. Longer period - from 1 year to 3 years - 15.5%; from 3 to 6 years - 16%.
The loan can be issued for a variety of needs: from the purchase of land or other real estate to the acquisition vehicle or carrying out repairs. You have the right to choose a convenient option for receiving funds: cash or credit card(with grace period).
Deposits in Sberbank for individuals
Sberbank has long been a leader among all Russian financial institutions in a number of indicators. The main one is . Over the past decade, the volume of funds invested by the population in Sberbank has increased significantly. And this is a clear confirmation of the reliable image and high-quality work of the organization. Statistics say: among all deposits of citizens of the Russian Federation, 47% are deposits in Sberbank.
2014 became a landmark year for the bank. During this period, many updates were introduced into the work of the institution, and Sberbank Services were updated. For example, deposit programs have been significantly improved, but this has not been reflected in an increase in interest rates. They remained at an average level and range from 1.5 to 8% per annum. It should be noted that Sberbank is constantly working with individual programs designed for a more flexible approach to the client, his needs and capabilities.
Payments in Sberbank
One of the most popular areas of activity of Sberbank. A well-functioning and convenient system allows each client to make the necessary payments without expectations, easily and comfortably.
The main advantages of making payments at Sberbank:
- PERFORMANCE. The payment takes place within literally one or two minutes;
- CASHLESS PAYMENTS. Even if you don’t have cash, you can make payments at Sberbank without any problems;
- ONLINE INFORMATION. The movement of funds can be monitored online.
Payments can be made at any bank branch; using the Sberbank Online program; at an ATM or on the website.
What exactly can you pay at Sberbank? Public utilities; bills for mobile communications and Internet use; home phone bills; interactive and cable television services; to various authorities; insurance premiums; interest on loans, etc.
Transfers in Sberbank
Do you need to make a money transfer? Sberbank will help with this too. can be carried out both in Russian rubles, and in the currencies of foreign countries.
Sberbank transfers money:
- Across the territory of the Russian Federation (all regions);
- To the CIS countries. Now sending funds to relatives, friends or acquaintances in the near abroad is not a problem;
- Outside the Russian Federation. Does not exist for Sberbank geographical boundaries! Your money will be in any corner of the world in the shortest possible time.
Payments are processed different ways. The first option is a translation from one open account to another, also active. For this banking operation, you need to write an application, provide a passport, a passbook and an agreement certifying your deposit. The client can withdraw the money received, guided by his own needs: in parts or the entire amount. The second option is a simple cash transfer without the need to open an account. This method is most popular among citizens because it is simple and convenient. To make such a transfer, you only need a passport of a citizen of the Russian Federation, money and a signed application.
All Money transfers are divided into two types: urgent and ordinary. The urgent nature of the transfer means that it will reach the recipient no later than one day after sending. A regular transfer is carried out by the bank within three working days. The tariff for transfers should be clarified at the Sberbank branch.
Mobile banking in Sberbank
Another popular service from Sberbank is “”. Its convenience has already been appreciated by millions of users. Wherever you are: on the street, in a cafe, at home or in the office - you can always spend everything monetary transactions and connect any Sberbank Services using only your phone.
What operations are available in Mobile Banking?
- Payment of the balance of a mobile phone, both personal and another person;
- Transfer money from card to card;
- Transfer funds to third party cards: friends, acquaintances, relatives. The only condition is that they must also be clients of Sberbank;
- Payment for SMS alerts;
- View data on account transactions. You can find out how much money was received, how much was withdrawn or written off, etc.
Connection " Mobile banking"will take you no more than 10-15 minutes. Either you do this at one of the Sberbank branches by presenting your card and passport, or you can simply use an ATM. Another option is to call toll free hotline, just remember to keep the contract in sight, because the operator will ask for some information from the document.
Mobile Bank has two packages with different functions:
- The first one, called “Full,” includes an order of magnitude more possibilities for the user, however they require additional payment. After three months, they will withdraw 30 or 60 rubles from your card (the amount depends on the type of card).
- The second package is “Economical” - no monthly payment. Only for some functions you need to pay a small amount of money (3 rubles per request).
All Sberbank Services are presented on the pages of our website. You will always find up-to-date information about new services available at Sberbank.
Sberbank provides access to financial products and services to both Russian and foreign clients. First of all, this is assistance in carrying out any transactions related to cash and non-cash funds and securities. Also services for individuals Sberbank includes remote servicing, storage and increase of investments and insurance programs.
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Main types of services of Sberbank of Russia for individuals
The list of banking products and retail services provided, which can be found on home page Sberbank includes:
- issuance of consumer and mortgage loans;
- issuance and servicing of bank cards;
- making payments and transfers;
- life and property insurance;
- opening and servicing of current and savings accounts and deposits;
- investment proposals (mutual funds, bonds, brokerage service etc.)
- rental of individual safes.
Online services
Online services that allow you to remotely carry out almost all major payments and settlement operations:
- Internet banking platform “Sberbank Online”;
- “Mobile Bank” option;
- phone application "Sberbank Online".
Sberbank Online
The Internet service is designed for individuals and allows its users to:
- carry out transfers and deposits;
- open savings and current accounts;
- analyze income and expenses;
- order the issue and re-issue of cards;
- pay bills, goods and services;
- apply for loans.
Recently, the Sberbank Online platform can also offer its clients new contactless payment functions using a smartphone. After connecting the card via Sberbank Online to the application on your mobile device, you can make a payment simply by holding your phone near the terminal.
Another innovation in Sberbank’s online services is the appearance of options for the State Services portal in the Sberbank Online Personal Account.
Mobile bank
Mobile banking is a service of SMS commands with which you can, for example:
- top up your own or another person’s mobile phone account;
- receive notifications about card transactions;
- transfer funds to the account or card of a client of Sberbank or any other bank with the appropriate commission;
- block “plastic” without visiting a bank branch.
The option can be connected to a phone number at any Sberbank ATM. Payment for the service depends on the chosen tariff and the type of card to which the service is linked.
Tariffs for the Mobile Bank service.
You can learn more about how to use SMS commands to carry out transactions from the video of the official Sberbank channel.
Lending
Main consumer loans at Sberbank:
- for any purpose;
- for running a personal subsidiary plot;
- non-targeted loan secured by real estate.
Consumer loan for any purpose
You can apply for a loan at a bank office or through the Sberbank Online service. In the latter case, the decision is communicated via SMS message.
Loan for personal farming
You can apply for a loan to run a private household plot only at a bank office. Issued under the guarantee of individuals.
Table "Loan terms".
Non-targeted loan secured by real estate
An application for a loan secured by real estate can be submitted both in the office and on the Sberbank website. Required condition - maximum amount The loan should not exceed 60% of the estimated value of the property being pledged (inclusive).
If the borrower refuses life and health insurance in accordance with the bank's requirements, 1% is added to the interest rate.
Table "Loan terms".
| Client | Requirements for the borrower | Documentation | Loan amount (RUB) | Credit term | Interest rates |
| Holder of a Sberbank salary or pension card | age from 21 to 75 years |
| 500 000- 10 000 000 | up to 20 years | 12,00% |
| Not a client of Sberbank |
| 12.05% (0.5% - for clients, without) |
Loan refinancing
Refinancing allows you to carry out the procedure of combining all loans into one, which gives the borrower the opportunity to reduce the overpayment percentage. This banking product beneficial if the client has several loans. Then, after approval of the application, the bank transfers funds to credit accounts, closing them, and the debt is summed up. Next, the borrower pays the money to Sberbank in one account, receiving a lower interest rate.
Conditions for refinancing at Sberbank:
- You can refinance both loans taken from Sberbank and issued from other banks;
- the rate is 11.5% for loans over 500,000 rubles and 12.5% for loans under 500,000.
- no more than 5 debts can be combined at the same time, the total amount of which should not exceed 5,000,000 or be less than 30,000 rubles;
- refinancing period from 3 months to 5 years.
You can also apply for additional funds.
Individuals can take advantage of refinancing in relation to:
- consumer loans issued by any bank;
- car loans issued by Sberbank or other financial institution;
- debt on credit cards issued by a third-party bank;
- debt on debit cards with permitted overdraft issued by a third-party bank.
Mortgage loans can also be refinanced.
In this case, two options are possible:
- Only mortgage debt issued by another bank is refinanced. This offer is subject to the most favorable interest rate — 9.5.
- Housing debt is combined with other loans at a rate of 11% to 12% per annum, depending on whether the mortgage has been registered or not.
Providing mortgage loans
Currently, there are 7 main types of mortgage loans offered at Sberbank. Some of them have state support subject to additional conditions.
| Name | Sum | Minimum an initial fee | Deadlines | Bid | Allowances | Features of the program |
| Purchase of housing under construction |
| 15% of the cost of housing. |
|
|
| Necessarily:
|
| Purchase of finished housing |
| 15% of the cost of housing. |
|
|
| There are several promotions under the program:
Deposit required. |
| Mortgage with state support for families with children |
| 20% of the cost of the object. |
|
| — | Can be obtained from January 1, 2019 to December 31, 2022 at the birth of the second and third child. It is possible to take out a loan to purchase:
Necessarily:
|
| Construction of a residential building |
| 25% |
| 10% |
| Mandatory collateral of the loaned property, including land plot, on which the object is located. Mandatory insurance of the property in favor of the bank. |
| country estate |
| 25% |
| 9.50% |
| For the construction of facilities on summer cottages. Necessarily:
|
| Non-targeted loan secured by property |
| not included |
| 12% |
| The borrower receives money with no down payments. The objects of collateral can be:
|
| Loan for a garage or parking space | The loan amount should not exceed 75% of the value of the property | 25% |
| 10% |
| The loan is valid for the purchase of a parking space or the purchase/construction of a garage. Pledge and insurance of the loaned object in favor of the bank are required. |
Military personnel and participants in the maternity capital program can receive additional benefits for the purchase of finished or under construction housing.
Registration of plastic cards
For initial registration credit or debit cards, you must go to the bank branch with your passport. If the client has a bank account or wants to open additional card, this can also be done through online banking.
The validity period of Sberbank debit and credit cards is 3 years.
The advantage of using bank cards is the accrual of THANK YOU bonuses (up to 20%) on the cards.
Sberbank also offers for credit cards opened under a pre-approved offer:
- free banking services;
- free use of the Mobile Bank service.
A common feature of “credit cards” is a grace period for covering the loan - 50 days and a penalty for late repayment - 36%. Also, everyone, except the premium one, has a commission for withdrawing cash: within Sberbank/subsidiary banks - 3%, in other financial organizations - 4%.
| Map | Credit terms | Restrictions on cash withdrawals (include the amount of commissions charged to the client for carrying out the specified operations) | |
| Classic card ( MasterCard Standard, Visa Classic) | 750 |
| |
MasterCard Gold  | 3000 |
| |
| MasterCard Youth | 750 |
| 50,000 at ATMs, 150,000 rubles at bank cash desks. |
MasterCard Credit Momentum (issued only with pre-approved offer)  | There is no charge |
| |
Premium card MasterCard World Black Edition  To apply for a card, you must familiarize yourself with special requirements for the holder . | 2 450 |
| 100,000 at ATMs, 300,000 rubles at bank cash desks |
| Classic card Visa Aeroflot(1 mile for 60 ₽) | 900 |
| 50,000 at ATMs, 150,000 rubles at bank cash desks |
| Golden Visa card Aeroflot (1.5 miles for 60 ₽) | 3500 |
| 100,000 at ATMs, 300,000 rubles at bank cash desks |
| Aeroflot Signature Visa card (2 miles for 60 ₽) | 12 000 |
| 100,000 at ATMs, 300,000 rubles at bank cash desks |
You can separately order the issue of three types of debit cards. Their varieties and terms of service are identical to credit ones, with the exception of the availability of an overdraft and the ability to receive free service Mobile banking.
Table “Debit cards” (there are a number of offers with a design for the holder to choose from).
Visa cards “Gift of Life” - contributions to the fund are 0.3% of each purchase and 50% of the service amount for the first year.
| Map | Characteristic | Maintenance cost (RUB per year) | Restrictions on cash withdrawals | Credit terms |
| Classical | Debit |
| 150,000 rubles at ATMs/branch | — |
| Credit | from 0 to 900 | 50,000 at ATMs, 150,000 rubles at bank cash desks |
|
|
| Golden | Debit |
| 300,000 rubles at ATMs/branch | |
| Credit | from 0 to 3500 | 100,000 at ATMs, 150,000 rubles at bank cash desks |
|
|
Platinum  | Debit |
| 500,000 rubles at ATMs/branch | — |
Transfer of pension and salary to the bank
In order to transfer your salary to a Sberbank account, it is enough fill out an application on the bank’s website, after which it will be automatically generated. Next, you need to print it out and submit it to the accounting department at your place of work.
Advantages of transferring salary to an account in Sberbank:
- favorable rates on mortgages and loans;
- To obtain most loans, one passport is enough;
- advantages by bonus program“Thank you”: 500 bonuses after the first salary transfer to the card and 5% bonuses from each purchase in the supermarket.
You can also conclude an agreement under the Individual Pension Plan program online.
Owners pension cards MIR is charged a mandatory rate on the balance of 3.5% per annum.
The pension program allows you to:
- manage savings (after the first two years, complete withdrawal of funds is possible);
- return 13% income tax after registration of the deduction;
- receive additional investments from non-state pension funds;
- make contributions (at least 1,500 rubles for the first and at least 500 rubles for subsequent ones) in any order.
Opening deposits
When opening some deposits through Sberbank Online client receives a more favorable interest rate compared to a similar deposit made at a bank branch.
Private clients of the bank open savings accounts according to the following programs:
| Name | Deposit currency | Minimum deposit amount | Interest rates | Term | Additional terms |
| "Save" |
| 1000 rubles or 100 USD | In rubles:
In dollars:
| from 1 month to 3 years |
|
| "Replenish" |
| 1000 rubles or 100 USD | In rubles:
In dollars:
| from 1 month to 3 years |
|
| "Manage" |
| 30,000 rubles or 1000 USD | In rubles:
In dollars:
| from 3 months to 3 years |
|
| "Social" | Rubles | 1 ruble |
| from 3 months to 3 years |
A deposit can only be opened at a bank branch in favor of:
|
| "Gift a life" | Rubles | 10,000 rubles |
| 1 year |
Every three months there is a deduction to the Gift of Life charity fund in the amount of 0.3% of the deposit amount. |
| “Replenish in the name of the child” |
| 30,000 rubles or 1000 USD |
|
|
It is opened in the name of the child and allows him to receive funds upon reaching 18 years of age. Withdrawal of money by another person is possible only with the permission of the guardianship authorities. |
| "Pension-plus of Sberbank of Russia" | Rubles | 1 ruble |
| 3 years |
Designed for pensioners receiving payments on the territory of the Russian Federation. |
| Deposits with increased rates for owners of Premier and First service packages |
| 700,000 rubles or 50,000 USD | Premier:
| from 1 month to 3 years | A deposit can be opened under conditions identical to the offers:
The service is available only to holders of the Sberbank First and Sberbank Premier privileged service packages. |
| Nominal account for transferring social benefits | Rubles | Not limited | 3.67% | Indefinite |
|
| Savings account |
| Not limited |
| Indefinite |
|
| "Universal of Sberbank of Russia" |
| 10 rubles or 5 USD | 0.01% | Indefinite |
|
All Sberbank deposits are guaranteed to be insured by the Deposit Insurance Agency.
The video from the official Sberbank channel presents a detailed algorithm of actions for remotely opening a deposit:
Translations
Sberbank carries out domestic and international transfers. Sberbank cardholders can make debits in rubles remotely via Internet banking or Mobile Banking.
Send money to account foreign bank Three systems allow:
| Translation system name | Transfer currency | Countries you can ship to | Maximum amount | Commission | Conditions |
| Hummingbird |
|
| 1% of the amount from the sender and 1% of the amount from the recipient | You can send money at a bank branch by presenting your passport and surname of the recipient. The transfer arrives within 1 hour. | |
| MoneyGram |
| 190 countries | The maximum amount is 5,000 USD (or equivalent to this figure in another currency) for tax residents of the Russian Federation and 10,000 USD for residents of other countries | The transfer fee is fixed and depends on the country and amount. Details can be found at the bank branch or at official website | Urgent translation carried out within 10 minutes. You can send money at a bank branch by presenting your passport and surname of the recipient. The transaction is assigned a number, which the client must name when receiving the amount. Additionally, you can specify a security question and answer to it |
| SWIFT | Rubles and any other foreign currency except Australian dollars. | To any country where there are financial organizations connected to the international SWIFT system. | The maximum amount is 5000 USD (or equivalent to this figure in another currency) for tax residents of the Russian Federation. The amount is not limited for residents of other countries |
| It is possible to make cash and wire transfer. To do this, you must provide the following to the bank branch:
|
Transfers from card to card
Transfers in favor of Sberbank clients are completed instantly, others take, on average, 5-10 minutes. When conducting a transaction at a bank branch, the client will be charged a commission in the amount of 1.5% of the amount, but not less than 30 rubles.
Transfers to cards of other banks cannot be made through a bank branch. To complete them, you need to use contactless capabilities.
| Service | The transfer fee | Date | Restrictions |
| Sberbank Online |
|
|
|
| Mobile application Sberbank Online |
|
|
|
| Mobile bank | Free as part of the service tariff package. Transfers are carried out only in favor of Sberbank clients. Possible only by phone number. | instantly |
|
| ATM terminal |
|
| not limited |
How to easily choose a money transfer method by asking the necessary conditions, you can find out from the video filmed by the official Sberbank channel.
Transfers from card to account
For comparison, the services provided in a bank branch and Sberbank Online:
| Transfer method | Currency | Period of execution | Limits | Commission |
| Through a bank branch |
| up to 2 working days | the maximum amount is not limited |
To accounts opened in other banks:
|
| Through Sberbank Online |
| up to 2 working days | no more than 1,000,000 rubles (or the equivalent of this amount) | To accounts opened with Sberbank:
|
Transfers to another bank
Transfers to another bank can be made in rubles or foreign currency. If the account to which the funds are transferred is opened in a foreign financial organization, then you can use international systems to carry out the operation. The most profitable way to make ruble transfers to Russian banks is through the Sberbank Online service. The possibility of transferring money in foreign currency (especially if it is not euros or US dollars) must be clarified for each bank branch.
Payments by the population
In the area of payments, you can make payments:
- services of more than 90 thousand companies;
- housing and communal services receipts;
- telecom operator services;
- fines and taxes;
- Internet service providers;
- loans from Sberbank and third-party banks;
- charitable contributions.
Internet banking makes it possible to activate the autopayment service and make debits automatically at a convenient time.
The video from the official Sberbank channel shows how to enable automatic payment for your phone in Sberbank Online:
Brokerage services
You can open a brokerage account and manage investments using electronic resources. To conduct investment operations, you should use the application " Sberbank Investor", which offers ready-made brokerage solutions. With its help, the dynamics of growth and decline of shares can be easily monitored, and the stock market status can be analyzed.
You can open a brokerage account through Sberbank Online or by filling out application on the official website .
Sberbank offers ready-made investment portfolios that provide good income opportunities:
| Name | Profitability | Risks | Tools |
| "Conservative Portfolio" | 7-10% or up to 12% per annum | low risks |
|
| "Balanced Portfolio" | 10-15% or up to 14.2% per annum | average risks |
|
| "Aggressive Portfolio" | 10-20% or up to 16.5% per annum | high risks |
|
other services
In addition, Sberbank also provides a standard range of services to a large financial institution, namely:
- currency exchange;
- purchase of metals;
- rental of safe deposit boxes;
- insurance services.
Currency exchange and purchase of precious metals
In order to exchange currencies, you need to contact a Sberbank branch or use Internet banking. The exchange of US dollars and euros is carried out by almost all branches of Sberbank; the rest of the currency, as a rule, has to be carried to the central branch.
Sberbank gives its clients the opportunity to invest long-term in precious metals. Special program“Impersonal metal accounts” allow you to invest money remotely, without worrying about storing bullion. Purchase starts from 0.1 grams. You can open an impersonal account in a special tab of the Sberbank Online service.
List of metals available for purchase:
- gold;
- platinum;
- silver;
- palladium.
Rent of cells
In every region of the Russian Federation there are Sberbank branches that allow you to rent an individual safe. The cell size can be chosen: width from 31 to 62 cm, height from 4 to 60 cm.
The lease is provided for a period of 1 to 3 years with the possibility of subsequent extension of the contract.
You can store in the safe:
- securities;
- money;
- jewelry;
- documentation;
- state awards;
- family heirlooms;
- personal papers.
Sberbank provides high security and complete confidentiality of the contents of the individual depository. Sberbank provides security deposit box tenants with free technical capabilities for recalculating and verifying the authenticity of banknotes.
Insurance services
At Sberbank you can insure life and real estate. There are also savings and investment programs that allow you to use funds in case of unforeseen circumstances.
You can learn more about savings insurance programs from the video on the official Sberbank channel.
Currently, Sberbank also provides insurance under the following programs:
| Name of the insurance program | Conditions | Amount of insurance protection | Term | Coverage Risks |
| Travel insurance | Under the program, an “International Insurance Policy” is issued, which ensures safety when traveling abroad and in Russia. It is possible to apply online. | from 50,000 to 200,000 euros | 13 months |
|
| Card protection | All bank cards linked to Sberbank accounts are insured. | from 60,000 to 350,000 rubles | 1 year |
|
| Protecting loved ones | Insurance for family members in case of injury due to an accident. | from 100,000 to 500,000 rubles | 1 year |
|
| Head of the family | Provides financial support to family members in case of harm to the life or health of the breadwinner. | from 300,000 to 1,500,000 Additional compensation in the amount of 1,000,000 in the event of the death of the head of the family as a result of an air or train accident. | 1 year |
|
| Tick protection | Support in case of a tick bite and its consequences. | 100,000 rubles | 1 year |
|
| Home protection | Real estate is insured, as well as the liability of the insured person to neighbors. | from 600,000 to 2,000,000 rubles | 1 year |
|
| Insurance of collateral for housing and car loans for individuals | Protection of real estate and vehicles purchased on credit | is paid in the amount of:
| for the entire term of the loan agreement |
|
Video
More details about the services and achievements of Sberbank PJSC are described in a short film from the official Sberbank channel.
Sberbank is one of the largest banks not only in Russia, but also in the countries of Eastern and Central Europe. The organization serves about 70% of all Russian clients. The company actively works not only with legal entities, but also by private citizens. At the same time, Sberbank’s services for individuals are distinguished by a wide variety.
Sberbank is largest bank countries
Types of services provided by the bank
Sberbank provides the following services to ordinary citizens:
- various online services;
- issuing loans;
- their refinancing;
- provision of mortgage loans;
- issuing credit cards;
- services related to pension insurance;
- opening deposits;
- making transfers and payments;
- brokerage services.
Online services from the bank
For Sberbank clients there are three profitable services. One of them is. This service allows the bank to serve its clients remotely. Using the self-service system, visitors can:
- transfer money between accounts;
- repay loans;
- promptly be informed about available banking products;
- make transfer templates with payments;
- submit applications for loans remotely without visiting bank offices;
- arrange any types of services;
- pay for housing and communal services, mobile communications, etc.
Another online service of the company is Mobile Bank. After connecting it to mobile phone the client has the opportunity:
- quickly block a card;
- promptly top up your phone balance;
- transfer money between accounts opened with Sberbank;
- be promptly informed about transactions performed with the card;
- pay for any services without coming to the office.
Sberbank also offers its clients to pay for loans online, make transfers and put money on their phone automatically using the AutoPay service. After a number of settings, the user can set a specific date upon which funds will be debited from his card to repay a particular service.
Issuance of loans
A number of services can be obtained at bank branches
Sberbank is engaged. In this case, the company provides the following lending conditions:
- reduced interest rates on consumer loans;
- the ability to obtain a loan anywhere the borrower is located;
- variety of loan terms (from three months to five years);
- the ability to submit an application at the place of work;
- no additional credit fees;
- submitting applications online;
- lending options both with and without guarantors;
- quick processing of applications (within a couple of hours);
- simplified registration procedure with a minimum of documentation.
Citizens have the opportunity to get a bank loan in the amount of up to 3 million rubles.
Providing mortgage loans
Sberbank also resolves issues with issuing housing loans. Clients with salary cards have the opportunity to receive loans at reduced rates. In this case, the initial amount will be from 15%. The loan term can reach 30 years.
Citizens can also make an application without visiting a bank office. For mortgage loans security is provided in the form of a pledge of existing living space. Sberbank does not require payment of a fee for the fact of providing a mortgage loan.
Sberbank quickly reviews customer applications for mortgage loans. The maximum period is 5 days. In this case, loans can be taken in any currency: euros, rubles, dollars.
Refinancing service
With the help of Sberbank, citizens can refinance loans they took out in other banking organizations. At the same time, the service is offered to those clients who pay high-interest loans. Also, through Sberbank you can refinance several loans taken from other banks at once.
With this service, the company repays the client loan using the provided credit funds. After this, the borrower pays the loan only in one Sberbank. The advantage of refinancing with an institution is lower interest rates on the new loan. Citizens also have the right to purchase funds for any urgent needs.
Issuing credit cards
Sberbank plans to issue plastic cards from major payment systems, including MasterCard, Visa, and Mir. The company offers various types of products. Taking into account the income of citizens, cards can be gold, premium and classic.
Additionally, the bank provides special benefits for those who use salary cards issued by it. Privileges include:
- interest-free period up to 50 days;
- free card servicing throughout the year;
- the ability to link the Mobile Bank service to the card;
- interest rate with a discount for using a loan product.
Sberbank online allows you to manage services remotely
Transferring pension to bank
Sberbank of Russia services provided to individuals also include the possibility of transferring the funded part of a pension to a company. Due to this, the bank guarantees an increase in the size of the future pension.
The organization emphasizes that the citizen himself determines the amount of contributions. The frequency of their payment is arbitrary. The program for transferring pensions to a bank is called individual pension plan. Its conditions include:
- Protection of savings in the event of divorce. They cannot be penalized by other people.
- Possibility to use savings before reaching retirement age. In the first 2 years, a citizen has the opportunity to return about 80% of the contributions he transferred. After the 2-year period, all transferred contributions are returned in full, as well as 50% of investment profits. After 5 years, a citizen can return all investment income and contributions.
- The duration of payments ranges from 5 years or more.
- All savings of a citizen can be inherited.
Individuals can pay contributions using the Sberbank Online service.
Opening deposits
Citizens can invest in the bank's activities. They are given the opportunity to open deposits. The online deposit service is available through the Sberbank Online system. The procedure for opening an investment in a bank involves signing a universal agreement and gaining access to Internet banking.
Individuals can open accounts to which social payments will be accrued in the future. An open account is valid for an unlimited time. At the same time, about 3.67% will be credited to its balance.
Sberbank also provides services for:
- protection of investment programs;
- registration and maintenance of investment accounts;
- endowment life insurance;
- organizations investment funds with attracting shareholders (investors).
An alternative to deposits can be a savings account. It is provided for citizens who have funds, but for whom, for a number of reasons, fixed-term deposits are unprofitable. Opening a savings account allows you to deposit and withdraw money whenever you want. However, depending on the size minimum balance interest rate is formed. The result is a formula whereby a high minimum balance results in a high interest rate. As a result, the citizen receives a profit.
Terminals allow you to pay bills
Making transfers with payments
The following services are paid through Sberbank:
- taxes;
- loans;
- communal payments;
- mobile connection;
- fines;
- Internet.
Payment can be made both in bank branches and through terminals, ATMs and remotely. At the same time, the commission for citizens for paying utility bills is 2%. Transferring money to government organizations is subject to a 3% fee.
Brokerage services
Since citizens are not provided with the right to become private investors on their own without the involvement of intermediaries, Sberbank can assist individuals in investing their capital in securities. The company acts as a broker. For its services, the bank charges a citizen up to 0.006% of the transaction.
An individual can become a bank client. To do this, just contact one of its divisions and conclude a deal. Signing an agreement allows a citizen to be a participant in trading that takes place on the Moscow Exchange.
Other services
The company also provides the following banking services:
- rental of cells in an organization;
- various forms of insurance.
A number of company branches have rooms in which safes are stored. A certain fee is charged for renting a cell. sum of money. The amount of payment depends on the time of use of the safe and its dimensions.
Sberbank has the opportunity to insure property and own risks. A comprehensive insurance program is provided. Traveling citizens can insure their lives during the trip. Policies are purchased both directly at bank offices and through an online service. Insurance services are provided by a specially created subsidiary company, Sberbank Insurance.
In addition to the wide variety of services provided by Sberbank, a citizen has the right to create a metal account. To do this, he purchases precious metal from Sberbank. Due to the difference in cost, the individual has a corresponding profit. You can also buy coins made from precious metals. The organization gives the opportunity to a citizen who has opened a metal account with it to take the metal directly in the form of an ingot or receive money for it.
Sberbank is perhaps the largest and reliable bank in Russia. Moreover, the company has a strong presence abroad, with more than 19,000 branches worldwide. Sberbank works with both individuals and legal entities, providing a full range of banking services On the market. But today we’ll look at what services Sberbank provides for individuals. We will tell you about the opportunities that this company has, so that every bank client can comfortably and conveniently cooperate with this banking organization.
"Sberbank Online"
The first thing I would like to start with is Sberbank Online. The client’s personal account, where you can not only track all the information on all contracts ever executed, but also perform the necessary operations with your accounts, make transfers, pay for services and much more.
Sberbank Online is one of the leading services in the Russian Federation in the field of remote self-service, which sets the pace for all other banking organizations. In addition, the company also offers a “Mobile Bank”, which we will discuss below. The bank provides the Sberbank Online service completely free of charge to all its clients. What advantage does using this service provide?
- The company has a lot of clients who can create a long queue at the branches of a banking organization. Using Sberbank Online will save time and resolve the client’s issue as quickly as possible.
- This is a modern service service that offers the most complete range of capabilities, which we will discuss below.
- When applying for loans or transferring funds, you can save money if you do these operations through your personal account.
- It's free.
- Remote servicing is the future, and many banking companies are investing a lot of money in the development of this area. Therefore, mastering your personal account now will simplify your relationship with banks in the future.
What information can be obtained through Sberbank Online and what operations can be performed?
General
Through your personal account you can see the location of offices, ATMs, and terminals. Apply for a deposit, loan, credit or debit card. Monitor information about banking promotions for individuals, as well as receive data on the accrual of bonuses under the “Thank you” program from Sberbank.
Payment for services
Thanks to your personal account, you can pay for housing and communal services, mobile communications, the Internet, repay loans from Sberbank or other banks, with only Internet access. It is worth paying attention to the rates and terms of payment transfer, as a commission may apply, and crediting may take up to 3 business days.
Funds transfers
You can transfer funds both between your own accounts, which are opened within the bank, and to third party accounts opened with Sberbank or other banking organizations.
At the same time, transfers within Sberbank occur instantly and without commission, provided that the account is opened in the same region. And you can transfer money to other banks only with a commission, based on the tariffs.
Information on contracts
Through your personal account you can track the movement of funds in your account for any period. Generate various certificates, as well as clarify the status of contracts. View how funds are credited and written off, how interest and bonuses from “Thank you” are calculated.
One of the most relevant services provided for individuals. Thanks to this function, you can independently set up money transfers in favor of paying for services or a loan, and the money will be transferred on a monthly basis, which will allow you not to worry about payments.
In automatic payment, you can assign a transfer and set up a payment date, indicating the details where the money will be sent. It is important not to forget to disable the service after it becomes no longer relevant, otherwise the money will continue to be debited on the specified date.
Electronic wallets
For many it is relevant to have electronic wallets. Through them you can make mutual settlements between individuals or purchase goods in online stores. In Sberbank Online it is possible to top up electronic wallets.
Sberbank is first and foremost credit organisation, which also works with individuals. Therefore, one of the services of Sberbank of Russia provided to individuals is a bank card.
All cards can be divided into two main types:
- credit cards;
- debit cards.
Both products are very popular among the population.
Credit cards
Credit cards are a lending product with a revolving credit limit. You can make purchases, withdraw cash, top up your card and continue to use your credit limit.
For the use of money, the bank may charge interest according to the annual interest rate. In Sberbank it is 24.9%. But this is provided that the funds do not arrive during the grace period. This is the period when you can pay the amount of expenses, and no interest will be accrued under the agreement. It applies to Sberbank only for non-cash payments.
Credit cards can be issued to persons over 18 years of age, but not older than 65 years of age. In this case, you must have Russian citizenship and registration in the country. Basically, you will need documents that can confirm income (2-NDFL, statement of bank account, bank form). But you can conclude an agreement with just two documents: a passport and a second identification document.
Debit cards
These are cards without a credit limit. You can only use those funds that are used to top up your card account. Typically debit cards are used in salary projects. If the client receives a salary on debit card Sberbank, then it can enjoy the benefits of a lower interest rate on loans, and the approval of loan agreements itself will be higher.
Using Sberbank cards can be quite profitable, since the company has a wide network of ATMs and terminals where you can withdraw and deposit money without commission.
Loans
Loans are very popular not only in business, but also in the individual market. Thanks to lending, you can improve your quality of life by purchasing certain goods. At the same time, you can save time, since the desired product can be bought here and now on credit, rather than waiting for a sufficient amount of money to accumulate.
All loans at Sberbank can be divided into several types:
- Consumer loans(cash in hand and credit for goods). This is the most common type of agreement. Can be issued without collateral up to 3,000,000 rubles. Interest rate is from 13.9%, and the maximum period does not exceed 5 years.
- Car loans. This loan agreements per car. Characterized by the fact that the subject of the loan will be pledged to the bank until all obligations under the agreement are fully fulfilled. The interest rate is around 13%, with a down payment of 15%. The maximum period is 5 years, and the amount is up to 3,000,000 rubles.
- Mortgage. This is an agreement that is concluded when financing a real estate transaction. Mortgage is a very pressing issue for those who do not have their own home. In this regard, Sberbank is a very reliable partner. There are different types and conditions of contracts, all of them involve the transfer of real estate as collateral to the bank. It is better to check current conditions and promotions directly with Sberbank.
Deposits
This is a type of banking service for those who want to maintain their savings or even increase them. Sberbank presents all types of bank deposits:
- replenished;
- with interest capitalization;
- via online registration.
The company does not have the most high percent by deposits. At the moment, you can invest money at 7% per annum. But this is explained by the fact that this banking organization is very reliable. It also participates in deposit insurance for up to 1,400,000. This means that if the company’s licenses are taken away or Sberbank goes bankrupt, you can receive your savings with accrued interest for actual use within 3 days.
Mobile bank
In addition to all these services, the banking organization provides another remote way to manage accounts via telephone. First, you can download mobile banking to your gadget. And use your personal account through a mobile device. The system is fully integrated with the full version of your personal account.
You can also receive information and make transactions via SMS messages through your mobile phone. This service is called “Mobile Banking”. Using the service, you can receive account information, transfer funds, pay for services by sending commands via SMS to the short number 900. “Mobile Bank” is a fairly unique offer, specific to Sberbank. The service is paid - up to 60 rubles per month.