A piggy bank in Sberbank allows you to accumulate money according to specified parameters. With its help, you will collect the necessary amount for the intended purposes: purchase, vacation and other needs. The following describes what kind of service it is, how to connect and disconnect a savings account.
What is the Moneybox service
Piggy bank in Sberbank This is a fundraising service. Clients themselves determine the method of receipt of funds to their savings account:
- The percentage of the amount credited to the card is a money transfer or salary.
- The percentage of the completed transaction - payment for purchases, cash withdrawals, etc.
- Write-off of the specified amount in given date eg once a month.
You can find out the balance, as well as assess how close you are to the intended goal, in your personal account.
How to create a piggy bank in Sberbank Online
The service is provided free of charge. It connects in different ways:
- At a bank branch. The client must present an identity document or a bank card and enter a PIN code.
- Through Sberbank Online
- By phone call center
Go to the "Cards" section and opposite the desired bank card, from the Operations drop-down menu, select Connect.
Then set up the savings account settings: savings method, frequency, amount and percentage.
After completing all the settings, click the "Connect" button. That's it, the service is active.
How to disable Piggy Bank in Sberbank
Open the "Contributions" section and select the one you need.
A page with information on the tab will be displayed, go to the Piggy Bank tab.
In the Operations menu, click Disable.
FAQ
Consider frequently asked questions.
How much does the service cost?
For free.
How to enable and disable this service?
On the Internet through Sberbank Online or at a bank branch, taking an identity document with you.
Is it possible to connect to a credit card?
Can I activate the service in foreign currency?
Yes, at the same time, the deposit must be opened in the same currency as the card from which the transfers are made.
If the card runs out of money, will its balance go negative?
No. Money is withdrawn within the limits of the balance.
Is it possible to connect several piggy banks to one card?
Can I transfer money from my card as part of the service to another person's deposit?
No. Only for your contribution.
How to track savings?
You can check your balance online and at a bank branch.
What happens if the amount transferred to the savings account exceeds the maximum limit?
The client will receive an SMS message with a confirmation code. If the confirmation is not confirmed within 24 hours, the amount specified during the activation of the service will be debited.
You used to start saving up for something important, for a couple of months you set aside part of your salary under the mattress. And then under the influence of a momentary desire - rrraz! - and you will drop everything on some nonsense. Familiar? Sberbank marketers decided to automate the accumulation process so that it happens as quietly as possible and does not cause unnecessary desire to waste the stash. This is how the Piggy bank service appeared, which allows you to save part of your income in a civilized manner. Let's see how it works, is it profitable, how to join it and how to withdraw the accumulated money.
Piggy Bank is a service for automatically accumulating funds on your bank account. Works if you have bank card and another account in Sberbank. From a technical point of view, everything is simple: the amount you specified is periodically debited from your card account and credited to the savings account. You choose the time of debiting, conditions and amount of the transfer yourself.
Advantages of Piggy bank from Sberbank:
- the transfer of funds is automated, no need to go to the bank;
- the service is free (the bank emphasizes this point, although there is nothing surprising in it: you transfer from a current account to a savings account, which means that Sber will use them for a certain time, receiving benefits from this);
- it is possible to choose the method of accumulation, as well as exit the program at any time;
- Interest is accrued on savings (depending on the type of open account: for example, on the “Save” deposit, opened specifically for Piggy Bank, Sber charges from 3.8% to 4.45%; however, you can choose which one to transfer funds for accumulation and at what percentage. ).
Disadvantages of a piggy bank from Sberbank:
- interest on deposits in Sberbank is low, because of this, during long-term storage, inflation eats up the accumulated funds;
- the service is not a priority for Sberbank, because of this, there are delays in debiting, as well as in SMS notifications about the transfer of funds.
Who can connect a piggy bank
According to the rules of the service, you must have at least two accounts with Sberbank. One of them is a debit card, the second is a savings (accumulative) card. Any cards are allowed, except Maestro and Maestro Social, issued in the Volga and North-Western banks of Sberbank before October 1, 2013. TO credit card you can’t connect the service, because it uses not yours, but borrowed funds.
How much does it cost to connect a piggy bank of Sberbank
No money is charged for operations with a piggy bank of Sberbank. This applies to connecting, disconnecting, changing the parameters of the service, crediting and withdrawing funds from the account.
Types of piggy banks from Sberbank
There are three options for transferring money to your savings account:
1 A fixed amount is transferred on the day of the month you specify. For example, a salary comes to your card on the 10th of every month. It's June now. You set the date for the transfer of 1000 rubles to the savings account on the 12th of each month (to be sure). And now on June 12, July 12, August 12, and so on, 1000 rubles will be debited from the card and credited to your second account used to accumulate money. For the year, respectively, 12,000 rubles will be accumulated. Plus interest on the deposit on this amount.
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2 A percentage of the amount received on the card is transferred to the savings account on the date you specified. For example, on July 10 you received a salary on your card, on July 11, 5% of the amount received is debited from the card and credited to the account. On July 25, an advance payment came to the card, after 2 days 5% of it is transferred to a savings account. With a salary of 50,000 rubles, in this way you can save 2,500 rubles a month and 30,000 rubles a year. Plus, again, the interest on the deposit.
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3 A percentage of card expenses are transferred to a savings account after a certain time after the purchase. You can set transfers of interest from daily write-offs on the card. For example, you spend 1000 rubles per day from the card. Set a transfer limit of 5% - and every time after your shopping trip, 50 rubles are transferred to the savings account. Thus, 1500 rubles will be added to the savings account per month. This is 18,000 rubles per year, not counting interest on the deposit.
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How to connect a piggy bank from Sberbank
There are three ways to connect Piggy Bank, let's go through each of them step by step.
Connection via Sberbank-online
This is the simplest and convenient way service connection. The first step is to log into Sberbank-online.
Step 1. Choose one of four options:
1 On home page Sberbank-online, we select a card from which we will transfer money to a deposit. We hover over the "Operations" button, we get access to the "Connect piggy bank" button.
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2 On the "Deposits and accounts" page, select the card, opposite it is the "Operations" button. Hover the mouse over it - the "Connect Piggy Bank" button becomes available.
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3 On the deposit details page, select the "Connect a piggy bank" item (an icon in the form of a coin).
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Step 2 On any of the pages selected above, click "Connect piggy bank".
Step 3 Now you can change the name of the piggy bank (relevant if you have several types of services connected and you need to remember what exactly you were going to save for in each of them - “For study”, “For new car"," At the daughter's graduation "and so on. If you did not use the option, the name will be set automatically, based on the type of piggy bank). We also issue a debit card and a credit account.
Step 4 Choose the type of piggy bank (fixed amount, percentage of income, percentage of expenses).
Step 5 Choose the date of the next replenishment of the savings account. If you intend to defer from your salary, it is better to set a write-off from the card 3-4 days after the receipt of money in case of unforeseen situations (for example, the organization's accountant filled out the payment incorrectly, and the salary came a day or two later).
Step 6 Specify a fixed amount or percentage of deductions. In the second case, we immediately write maximum amount, which is allowed to be transferred, so that later you don’t have to figure out where the money went after a major purchase.
Step 7 Click "Connect".
We go to the deposit page, check: the “Piggy bank” item should appear, which indicates the parameters for transferring from a card to a deposit, and it is also possible to change these parameters.
Step 8 We confirm the connection.
If everything is filled out correctly, click the "Confirm by SMS" button. We keep a phone at hand, to which SMS messages come from number 900. We wait for a message with a code, enter this code and click "Confirm".
If at this stage you decide to change your mind about creating a piggy bank, click Cancel.
Connection via mobile application
The connection procedure is similar to that in Sberbank Online, only the interface and connection method differ (in this case- with help mobile phone with Internet access).
Step 1.
Step 2 In the "Indicate where" column, select the account to which the money will be transferred. Here we set the type of piggy bank.
Step 3 Select the piggy bank parameters (transfer amount or percentage and maximum transfer amount).
Step 4 We check the set parameters and open the piggy bank.
Connection at a Sberbank branch
This method is suitable for those who are on “you” with a phone and a computer. The whole process will consist of three steps:
- We take a passport and a card with which we are going to deduct savings to our account.
- If there is no second (savings) account, we ask the operator to open one.
- We ask the operator to connect the Piggy Bank service, we inform you of the desired type of deduction from the card account to the accumulative one. You can be sent to a specialist advising Sberbank-online users at the bank - in this case, tell him the desired parameters. Right in the bank on the guest computer, they will help you enter Sberbank-online and connect to Piggy Bank.
How to find out the balance of Piggy bank
There are two options for controlling Piggy bank transfers.
- Through Sberbank-online.
We open the detail page for the deposit (accumulative, to which we transfer money from the card). There is a list of piggy banks connected to the account. Opposite each is the amount accumulated to the current date. Information on debiting from cards can be viewed on the detail pages for each card.
- Through mobile app"Sberbank Online".
In this case, the procedure is the same as when using the stationary Sberbank-online:
- We go to the application
- Click on savings account
- Select "Piggy Bank"
You can also track the replenishment of the piggy bank using the Mobile Bank: information about each debiting operation from the card comes to your phone in the form of an SMS from the number 900.
How to withdraw money from the piggy bank of Sberbank
You can withdraw the accumulated from any of your accounts at any time (if the deposit to which money was debited from the card is not urgent without the possibility of withdrawing funds before a certain date).
For this you can:
- Come to the branch of Sberbank with a passport and ask the operator to withdraw the required amount from your account.
- In Sberbank Online, transfer the accumulated money back to a card or to any other account. To do this, enter the "Payments and transfers" menu, select a savings account and transfer to a card or other account. Similar actions can be performed in the Sberbank-online mobile application.
- At an ATM or payment terminal Sberbank, insert a card, enter a PIN code, select a savings account and transfer money from it to a card. Then withdraw cash from the card.
If you have accumulated the required amount of money and more service you do not need, Piggy Bank can be suspended or turned off completely. The easiest way to do this is through Sberbank-online. The order is this:
- We enter Sberbank-online
- Go to the tab "Deposits and accounts"
- At the account to which Piggy Bank is connected, select it and click "Suspend" or "Disconnect"
- Confirm the action
After that, the transfer of money from the card to the account is suspended. Similarly, you can turn off the piggy bank through the Sberbank-online mobile application.
FAQ
If you often connect / disconnect and change the parameters of the Piggy Bank, do they take money for this?
The Piggy Bank service is completely free. For Sberbank, its meaning is that the money comes at the disposal of the bank for a longer time than being on current account, on the map. In some branches of Sberbank, operators, when connecting a client to Sberbank-online, also connect Piggy Bank, sometimes without even informing the cardholder about it. This is where the myths appear that a commission is charged for connecting and transferring money from account to account (information about debiting funds from the card is sent to the client as part of SMS informing, and information about replenishing another account is not included in this service. Because of this, people there is a feeling that the money is written off "nowhere").
“When I was drawing up a card, a smart consultant girl from Sberbank connected a piggy bank to me at the same time. I didn’t know then what it was and somehow missed it (and she didn’t really try to explain). A day later, I noticed that different amounts were debited from the card - from a few kopecks to 500 rubles, but no more. I thought it was some kind of hidden Sberbank commission for the card. Called on hotline, they said that I received the Piggy Bank service with a deduction from expenses. And the money, they say, is transferred to another account. It turns out that I had an old, old deposit, which I had long forgotten about. All deductions showed up on it. There were no commissions - how much was deducted from the card, so much was credited to the account.
Is it possible to connect two or three piggy banks to one card?
The service does not limit the number of piggy banks that can be connected to one account. Moreover, these can be piggy banks with different parameters: with a fixed amount and with interest from credits or expenses. Another thing is that several types are more difficult to control, since SMS informing about debiting funds is carried out without a strict time reference: SMS can arrive immediately, or maybe after 2 days.
I often use a card linked to currency account. Can I connect a piggy bank to such an account?
The piggy bank can be connected to any card account Sberbank, but it is necessary that the savings account be in the same currency. If you make purchases in dollars, then the deductions will be in US currency.
Every person at least once in his life tried to accumulate a certain amount of money to buy the desired thing. For some it was successful, for others not so much. To save money, you need to set aside a certain amount every month, allocating it from the general budget, and keep it either under your pillow, or take it to the bank, or transfer it to a savings account. And there are always some reasons, and there are various circumstances that do not allow us to do this regularly. Either there was no extra money in the current month, then there was no time to get to the branch, then instead of transferring to a savings account, the money was spent on other needs.
Page content
To help its clients realize small dreams, namely, to help them finally save up the right amount for the right thing, Sberbank has launched a very convenient service called Piggy Bank.
A piggy bank is an electronic account of a client. Now your savings will be stored in in electronic format. This is very convenient and safe, since you no longer need to keep money at home under your pillow, you don’t need to go to a Sberbank branch every month to replenish your account, and you don’t even need it regularly, since the service provides for automatic transfers of a certain amount of money to your account.
The purpose of the Piggy bank service is to provide customers with the opportunity to accumulate the required amount of money for any purchase by making regular Money transfers. The goal is to accumulate, not to increase your money. For multiplication, there are separate accounts and interest-bearing deposits.
How Piggy Bank works
For example, on March 20, a salary of 30,000 rubles was received on your Sberbank card. On March 21, 10% of the amount of receipts, that is, 3,000 rubles, is automatically transferred to the Piggy Bank. And so every month. And after 6 months on your savings account 18,000 rubles. The client sets all parameters independently, based on own desires and opportunities.
For convenience, Sberbank has come up with several types of piggy banks so that each client chooses the best option for himself.
- "Piggy bank" for a fixed amount. This piggy bank provides for the transfer of a set amount to deadlines. For example, on the 10th of every month from your debit card 1500 rubles are transferred to the piggy bank account.
- "Piggy bank" from transfers. This piggy bank involves transferring a certain percentage of any income to your card to a savings account. For example, on March 5, 1000 rubles were received on your card. 5% of 1000 rubles, that is, the amount of 50 rubles is immediately automatically transferred to your piggy bank account. Say, on March 8, 3,000 rubles were credited to the card. 150 rubles (5% of 3,000 rubles) are automatically transferred to the piggy bank account.
- "Piggy bank" from expenses. This version of the piggy bank is a transfer of the percentage you set from all expenses on the card made during the day. For example, if you spent 400 rubles on groceries yesterday, then 10% of this amount, that is, 40 rubles, falls on your piggy bank account. Today you bought yourself a dress for 2000 rubles. 200 rubles will fall into the piggy bank account.
In order to make it convenient for the client to control the amount of savings, Sberbank provided an SMS notification about each transaction.
In addition, you can set the maximum amount for the transfer. If the amount is exceeded, Sberbank will ask you to confirm the transfer operation.
How to connect the piggy bank
At the moment, there is only one way to connect a piggy bank - this. That is, in order to connect the Piggy Bank to your card, you need to connect the above service to it. If you have not yet connected Sberbank Online, you can find out how to connect it.
Step-by-step instruction how to connect the Piggy Bank:
- Enter Personal Area in the Sberbank Online service, specifying the password.
- Opposite the card to which you want to connect the piggy bank, there is an "Operations" tab. In the drop-down list of the menu, select the line "Connect a piggy bank".
- Next, set the settings. You can give a name to your piggy bank. For example, “to the Maldives”, “to Mazda”, “to the refrigerator”.
If there is only one card, it will be automatically selected as a debit card. If you are the owner of several Sberbank cards, you need to choose one of them.
Choose the type of piggy bank. If you chose "fixed amount", then select the frequency of enrollment, indicate the date of the next replenishment and indicate the amount of replenishment.
If you chose “percentage of enrollments” or “percentage of expenses”, then indicate the percentage itself, for example, 5% or 10%. And also indicate the maximum amount of replenishment. If the calculated deposit amount exceeds the specified maximum deposit amount, you will receive a request from the bank asking you to confirm this operation. To confirm, you will need to send a reply SMS. If the request is ignored, then the replenishment will occur in the amount that you specified as the maximum.
- Click "Connect". Then check the settings and click "Confirm". The piggy bank has been successfully created.
In the future, if you need to change the settings of the piggy bank, this can be done in the "Deposit information" tab for the account to which the piggy bank is connected.
Thus, main goal The piggy bank service from Sberbank is to help the client accumulate the required amount for a specific purpose through automatic transfers from the main card to an electronic account. By allowing the bank to regularly write off funds and transfer them to a separate account automatically, you can quietly accumulate a good amount to fulfill your dreams.
The ability to accumulate the required amount by automated transfer from each card will help the Piggy bank service in Sberbank. Consider it distinctive features and activation methods.
What is a piggy bank?
This is a Sberbank service that helps you save for your goals. After turning on the service, based on the selected option, a certain amount is periodically transferred to a special account. The service is available exclusively for bank customers.
Terms of Service
Requirements:
- Possession of a debit Visa cards, Maestro or Master Card;
- Mobile banking is connected on the card.
- Open an account or a replenishable deposit so that Sberbank's piggy bank is on it.
What piggy banks are in Sberbank
The specifics of the service is the automated transfer of funds to the wallet and the ability to choose any option to increase the balance. Customers are asked to choose various conditions on different cards:
How to connect a piggy bank to Sberbank Online
Memo on how to create and connect the service:
- , specifying personal .
- Against the card to which you want to connect the piggy bank, there is an "Operations" tab. In the drop-down list, select "Connect a piggy bank".
- Next, we make settings. Specify the original name of your own piggy bank.
- If there is only one Sberbank card, it will automatically connect, if there are several, then you will have to choose one of them, at your discretion.
- Specify the type of piggy bank. If your choice fell on a "fixed amount", then we select the frequency of enrollment, determine the date of replenishment and write the required amount of replenishment.
- If your choice fell on “percentage of enrollments” or “percentage of expenses”, we independently prescribe the percentage, for example, 6% or 11%. We also indicate limit amount replenishment. If the calculated replenishment amount is more than the required replenishment limit, you will receive a request from Sberbank with a wish to prove this operation. To confirm, you must send a reply SMS. If you ignore, then the maximum possible (specified in the settings) amount of money will be credited.
- Click the "Connect" button. Then we check the options and click "Confirm".
In the future, you can always change any options in the piggy bank settings on the Deposit Information page.
How to disable the Piggy Bank service
Sberbank customers have a question about how to disable Piggy Bank in Sberbank Online. Described below detailed procedure shutdowns:
- On the main page of Sberbank Online, you must select the Deposits heading, or immediately in the drop-down menu Deposits and accounts.
- Next, select the deposit to which the service is connected. Going to the deposit page, there you will see the Piggy Bank tab, click on it.
- If several piggy banks are connected, select the one you plan to disconnect and click on it.
- Next, in the pop-up window, select Operations, there click on Disable.
That's all, if you have any questions, write them in the comments below the article, we will answer them.
How to withdraw money from a savings bank piggy bank
To withdraw cash or clear the savings on the account, carry out the operation of transferring money from the card account to the personal account in the bank.
This procedure is possible in several ways:
Through the service "Sberbank online"
- On the official website, enter your personal account;
- Select the section "Payments and transfers";
- Select an account that has Piggy Bank savings;
- Specify the personal account or card account where the money transfer will be made.
- Having received one-time password(in an SMS message) enter in the required field.
Through an ATM or terminal
- Log in by entering a pin code;
- Next, select the translation section;
- Specify the personal account or card account where the money transfer will be made;
- Enter the amount of the funds transfer;
- Confirm your decision.
Please note: this option is only possible if you have previously specified the card account in the piggy bank settings.
Through a bank branch or office
- Find with you. To withdraw money, you will need a passport, card or savings book(if needed);
- Take your ticket and wait your turn;
- Approaching the bank operator, say that you want to withdraw or transfer money from the piggy bank. The specialist will do everything for you.
Additional information: all funds that were transferred through the service have every chance to be spent at a time convenient for you, regardless of the amount of savings. If the limit you defined is exceeded, the service will inform you about it.
How to find out the balance in the piggy bank of Sberbank
Everything is very simple! To find out the balance on the piggy bank, you need to either find. Same with connected Mobile Bank You will receive SMS notifications of all transactions with the piggy bank.