Is it possible open a deposit in Sberbank without visiting his office? Easily! In this review, we will tell and show how to perform these operations in the comfort of your own home and in record time.
Management functions bank deposit via the Internet, for example, Sberbank Online has been providing its replenishment for a long time. But in order to open an account, until recently, it was impossible to do without visiting a bank office with a wad of cash.
Of course, this did not meet the needs of those clients who, firstly, receive their salary on a bank card, and secondly, due to constant employment, do not have time to visit the Bank, or simply did not want to do this in fear of the famous queues of Sberbank .
We were lucky: Today open a deposit in Sberbank You can sit in a comfortable chair. However, still take a walk to the kitchen, make some tea and take out the most delicious sweets from the buffet: this will make the process of making an online deposit more enjoyable. Most likely, even before you finish your tea, you will already have a new account opened with Sberbank - opening it through the Sberbank Online Internet bank is both faster and easier than in a branch.
Do you have any doubts? Let's together we will open a deposit using only Sberbank Online.
How to open an online deposit
In order to make a deposit through Sberbank Online, You need in the section Deposits and accounts click on the link Open contribution.
The page “Conditions for placing funds on deposits in Sberbank of Russia” will open in front of you. On this page you can study in detail the terms and conditions under which you can make a deposit.
For any of the deposits presented, the minimum deposit, the currency in which the account can be opened and the interest rate range (depending on the term and amount) are indicated. If you need to view more detailed information about the terms of the deposit, click on the More details link, a pop-up window will appear in which you can read the conditions for the selected deposit.
By the way, using the Sberbank Online Internet bank you can open deposits without depositing money into your account. For example, if you need an invoice to receive a transfer.
In order to open a deposit that suits your conditions, activate the checkbox next to it and click on the Continue button. A form will appear on the screen applications for opening a deposit.
If you want to open a deposit without making a down payment, all fields in the application form will be filled in automatically, except for the “Currency” field. In this field, specify from the drop-down list the currency in which the deposit should be opened.
When opening a deposit through Sberbank Online with down payment The application form will require the following information:
The fields “Document Date”, “Document Number”, “Open Deposit” and “Open Date” will be filled in automatically.
- In the “Currency” field, indicate from the drop-down list the currency in which you intend to open the deposit.
- In the “Minimum balance” field, set from the list the minimum amount that should always remain in the deposit account.
- In the “Debit Account” field, indicate the bank card or account from which you want to transfer money to the deposit being opened.
- In the “Deposit Amount” field, enter the amount you want to transfer to the deposit.
- The “Write-off amount” field will be filled in automatically taking into account the bank’s conversion rate.
- In the “Interest payment procedure” field, select the method for transferring your interest. You can transfer your interest to the account bank card, to do this, select the appropriate item “transfer interest to a bank card account” and indicate the card to which interest on your deposit will be received. Or you can set the transfer of interest on your deposit, to do this, select the item “capitalization of interest on the deposit account”
- In the Deposit period field group, you need to select the period for which you plan to open the deposit:
- If you want to invest money for a specific period, then activate the switch for the field On and indicate the validity period of the deposit, entering the exact number of days, months and years.
- If you intend to invest money before the date, then move the switch to the field Before and enter the appropriate date until which your contribution will be valid. You can also set the date using the built-in calendar.
- Field " Interest rate" will be filled in automatically and cannot be changed. It displays the annual interest rate on the selected deposit in accordance with the parameters and conditions you specify.
After all fields of the application have been filled out, click on the Open button. Sberbank Online will display the transaction confirmation page on the screen, on which you should check the accuracy of the specified details.
Now you need to confirm your application. After you click the Open button, a completed application will appear, in which you must once again check the correctness of the entered data, and then perform both of the following steps in order (otherwise the Internet bank will not allow you to check the box to agree to the terms):
- View deposit terms. Before confirming your application, you must first read detailed information about the terms of the deposit, for this click the link View deposit terms.
- Confirm your application. Make sure all information is correct. After which, if you still intend to open a deposit under the specified conditions, check the box I agree with the terms of depositing. Next to confirm opening a deposit through Sberbank Online click on the Confirm button.
After confirming the application, you will be taken to the page for viewing the completed document on opening a deposit. The fact that the operation was successfully carried out by the Bank is confirmed by the blue “Executed” stamp and the status of the application “Executed”.
On this same page you will see open account details.
Make sure that it is opened in your name new contribution You can go to the Deposits and accounts section of the Sberbank Online system. There you can also review the details and detailed information about the conditions of open deposit.
Today, almost each of us has our own account in some financial institution, or even more than one. How to open a personal account in Sberbank? The answer to this question depends on your status.
For individuals
If you have reached the age of majority, there is nothing stopping you from one of the largest banks in the country. To do this, you just need to visit the nearest Sberbank branch with your passport. Please note that everything possible questions in the future, you will make decisions in this branch, so you should not “start a relationship” with an office that will be inconvenient for you to get to.
Contact a specialist and tell us for what purposes you want to open an account. They will advise you on the best option and conclude a service agreement with you. Of course, the contract should be read before signing, not at home. Once the account is opened, you can start using it - accepting transfers from other persons, depositing cash in the bank's cash desk, and so on.
For minors
You can, but keep in mind that you will not be able to withdraw funds from it. Accounts opened for children become available for expense transactions only after their owners reach the age of majority.
In addition to the agreement, a passbook or plastic card will be attached to your account. Cards are much more convenient to use because they allow you to perform various operations independently and in any locality in the country. But the paper book is tied to the branch where you entered into the contract. Its advantage is that the funds on it are more secure than on a card, which can be used by fraudsters.
For individual entrepreneurs
Not everything is so simple for those who are registered as individual entrepreneurs. Although opening a personal account with Sberbank is not mandatory requirement for individual entrepreneurs, it is still convenient to have it to complete non-cash transactions. So, to open a personal account, you will need a whole list of papers:
- your certificate of registration;
- application for the bank;
- tax registration certificate;
- your passport and its copy;
- a license, if you need it for your type of activity;
- special cards with samples of signatures of authorized persons and seal imprints.
If everything is in order with the papers, then after a few days allotted for verification, your account will be opened.
Legal entity
For not a luxury, but a necessity. Moreover, banks do not provide this service for free: they charge for the service Monthly payment. And you will need to collect a lot of documents.
Each bank client who issues a loan, agreement or opens a deposit in banking organization, has a current account. This is a unique number on which money is stored. The account can be used to repay a loan, i.e. the client deposits money into it, which is then written off to pay off the debt. Individual accounts are also used for storage and accumulation Money. Today we will tell you what a Sberbank current account is, why it is needed and how to find it.
Checking account
Accounts for individuals are called current accounts and consist of 20 digits. By the first three digits you can determine for what purpose the account was opened. 408 is used to repay loans, 423 – for deposit transactions.
One person can have several different accounts. And, in addition, they can be opened in different currencies. The most commonly used accounts are in dollars, euros and rubles.
The number contains information about the purpose of the account, bank, region and other information. But each client has a unique number. It is in no way, or almost in no way, connected with the card number or the number of the loan or deposit agreement.
Therefore, the current account of a Sberbank card differs from the “plastic” number. Cards usually have 16 numbers. The number of digits depends on the type of payment system.
Often, to use funds in the bank, it is enough to know your card number. But in some cases, in order to carry out any banking transactions, you need to know your current account at Sberbank.
Especially often current accounts used by legal entities and individual entrepreneurs. With their help, mutual settlements are made with contractors, suppliers and clients of companies. What are the ways to find out about the availability of Sberbank current accounts?
You can obtain information based on the executed agreement with Sberbank; the current account will be located in this document. As a rule, at the very bottom of the document there is information about the client’s details, where the twenty-digit number is written.
The agreement is drawn up in two copies. One is kept in safekeeping at a banking organization, and the second is issued to the client.
Envelope with map
If the agreement was lost without compensation, then the information is also on the envelope that was issued with the card. The number will be indicated in the same place as the client’s full name. But often envelopes with cards may be out of date and not issued to bank clients. This happens in cases where the PIN code is generated by the cardholder independently, without the participation of a banking organization.
Contact Sberbank
Then you can directly contact Sberbank. This can be done in two ways:
- call on hotline;
- contact the bank office.
If you call by phone, you will have to answer a number of questions from a specialist to obtain information. Therefore, it is recommended to prepare a card and passport information. An additional code word may also be requested, usually this is the mother's maiden name.
When you contact the office, you will need to bring your passport with you. This method is not recommended, as it can cost a large number of time due to the fact that there may be a queue at the office.
"Sberbank Online"
More effective method information will be received via the Internet. This operation can be performed without leaving home. You will need to go to the bank’s website and select the “Sberbank Online” service.
Enter your username and password. If you are not registered in the system, you will need to go through the registration procedure, which can be done through an ATM or Sber office. Once on home page personal account, you will see a list of executed contracts and cards.
You should choose exactly the product that interests you, since the bills for each will be different. The required information will be indicated in the “Current Account” column. Data can also be obtained through the mobile version of your personal account.
Another way to find out your account number is to go to the nearest Sberbank ATM, since there are quite a lot of them in any city in Russia. You will need to have a card with you.
You need to insert it into the card slot and enter your individual code. Then select the item “Operations with accounts, deposits and loans”. The required number will be displayed here.
Receipt of payment
Another tricky way is to look at the number on the payment receipt you made using your card. If such have been preserved, then the account number from which payments were made must be indicated.
Also, for those who have subscribed to the SMS notification service, there is also another method. The bank can inform you about the need to deposit funds in case of a loan or send text messages when making card transactions. These messages also contain the current account number.
Information on the client’s banking products is confidential (according to the article Civil Code about bank secrecy). Therefore, obtaining information not about your product can be quite problematic.
The country's largest bank offers its clients a variety of services that allow them to save, save and increase personal funds. In order to profitably carry out all these operations, it is necessary to open an account with Sberbank for individual, and this can be done either directly at the nearest bank branch or online. The procedure does not take much time and does not require special preparation of documents. Both Russians and foreigners can take advantage of this opportunity.
How to choose a bank account for an individual
Before you go to the bank or sit down at the computer to open an account with Sberbank for an individual, you need to decide exactly why it is needed. If you have any doubts, you can call the hotline and get advice from a bank specialist. The currency of the funds placed also matters, because according to the universal agreement banking services clients have the right to open not only ruble accounts.
Special purpose
An account in Sberbank can be opened for various reasons, and sometimes the same product can be used for different purposes. Among the basic needs that prompt this banking transaction, we can name the following:
- to save finances;
- making payments for third parties and organizations;
- receiving a bank account plastic card Visa, Mastercard, ;
- for crediting a pension, wages, scholarships and other payments;
- obtaining a loan.
Validity
Depending on their purpose, accounts can be perpetual or limited to a certain time frame. In this case, it is necessary to clarify in advance all the specifics of their closure or liquidation. In addition, it is possible to automatically extend the validity period for the next period, if this is specified in the agreement, and the client or bank has nothing against it.
Account currency
Russian legislation It is allowed to open a foreign currency account with Sberbank for an individual. The bank accepts as foreign monetary units for most deposits US dollars and euros. For other currencies, the only option is the “Universal” product. In past financial institution offered private clients the opening multicurrency deposit, but on this moment its action has been terminated.
Types of accounts in Sberbank for individuals
There is an extensive system for classifying bank accounts, but not all of them are used in current activities Sberbank. The difference between them is that each is designed to carry out certain operations. Unlike legal entities, individuals are offered only three types of accounts, some of which can be opened in different quantities.
Current account
Opened by an adult citizen to store funds or conduct a one-time large financial transaction. It can be created to receive money or, conversely, transfer it to another account. Such products are especially relevant when purchasing real estate, cars and other expensive items, payments in favor of third parties or entrepreneurs.
To open, it is necessary to visit the bank office, since it is not possible to carry out the operation online. No interest or bonuses are accrued on the cash balance. When opening a foreign currency account, you will need a ruble and transit account, which is intended for currency transfers or making payments abroad.
Deposit
In order to accumulate funds, it is proposed to open a deposit account with Sberbank for individuals. Interest is charged on the cash balance. At the moment they have the following meanings:
The deposit is intended for free use of money with simultaneous capitalization. It is unlimited, it can be replenished an unlimited number of times, and cash withdrawals are possible at any time. There is no minimum amount for opening a deposit agreement, and there are no restrictions on maximum value. The larger the deposit amount, the higher the interest rate.
Card
Card accounts are a type of current account, but the main difference is that the owner can independently manage money without having to contact a branch of a savings bank each time. They are tied to the existing credit or debit card, which is used to pay for goods and services at any time in real time or online (the card number does not match the account number!). As a rule, interest is accrued on the balance of funds on a personal account at the “on demand” rate, unless otherwise specified in the agreement.
Documents for opening an account in Sberbank
A Sberbank current account for individuals is opened upon presentation minimum package documents, which cannot be said about business representatives. You should know that it is not possible to open an account for several persons at the same time, however, third parties can manage it if the owner gives the go-ahead by issuing a power of attorney in the form of a bank.
For citizens of the Russian Federation
The easiest way is to open an account with Sberbank for an individual who is a citizen of Russia. To do this, he needs to visit the bank office and provide a passport. It is worth noting that if you do not have one, you can use a foreign passport or military ID. For pensioners who wish to place money on offers that directly affect them, it is necessary to take pension certificate.
For foreign citizens
If a person is not a citizen of the Russian Federation, he will have to take several documents with him. Firstly, it must be a national passport and migration card, and, secondly, any other document confirming the legal presence of a foreigner on the territory of Russia. A residence permit is also suitable. This is a prerequisite for placing money.
How to open an account with Sberbank for a private individual
If with necessary documents, which must be presented, everything is clear, then the procedure itself should be considered. You can open an account with Sberbank for an individual through the worldwide network, or by visiting any branch. Depending on the type, there may be some nuances, but they are not critical and do not affect the procedure in any way. There is only one condition: a person applying to open an account must be over 14 years old.
At a bank branch
A personal visit to a Sberbank office has several advantages. Firstly, the client can always get answers to all his questions, and, secondly, in this way mistakes can be avoided when filling out documents. After the bank employee is provided with a passport or other identification document, he proceeds to draw up the agreement.
An agreement is drawn up, one copy for each party. The bank representative and the depositor are required to sign the agreement, after which the bank’s seal is affixed to each copy. It is imperative to check all the data and details entered by the manager into the contract for errors. In addition, it is recommended not to hesitate to clarify information on unclear points. This will help avoid misunderstandings later.
To Sberbank Online
Opening an account with Sberbank Online is much easier for an individual, since it can be done without leaving home. However, only those clients who have it connected can use the service, otherwise they need to visit the office where they fill out the proposed application form for adding a banking product. In addition, you can use an ATM or self-service terminal or mobile banking service to register.
It should be said right away that for users of the Sberbank Online service it is possible to open only a deposit. First, you need to log in to the system using the received identifier. After that, in the main menu of your personal account, go to the “Deposits and Accounts” tab. All available deposits will be reflected there, and to create a new one, you need to follow the “Opening a deposit” link, and simultaneously with the creation of a new product, the procedure for opening a new account will take place.
Cost of opening a bank account
Any current or savings account with Sberbank is opened absolutely free - you don’t have to pay anything. However, it is worth knowing that you must deposit a minimum amount upon registration. Depending on the chosen currency, it will be 10 rubles, 5 US dollars or euros. You will have to pay extra for issuing a bank card, if necessary. Its tariff is strictly individual and depends directly on the selected product. In addition, you can use the voluntary insurance service for additional fee.
How to open a deposit in Sberbank for an individual
As has already been mentioned several times, a deposit is opened in person at any bank office or remotely: ATMs, Sberbank terminals, mobile and online banking. It is important to understand that a deposit can be opened not only for oneself, but also for any person; it is only important that the depositor has with him a notarized copy of the identity document of the person for whom the deposit is supposed to be opened. His presence is not necessary.
You can also deposit money in the name of a minor citizen, but he will be able to personally manage the funds only after the age of 14, and before that, parents or legal representatives can monitor the finances. The citizenship of the depositor does not matter - the only important thing is the availability of documents allowing you to legally stay in the territory Russian Federation. The deposit is made exclusively for one person, but the number of deposits can be unlimited - the law does not prohibit this.
Sberbank savings book
For several years in a row, Sberbank has been trying to get rid of the Savings Book. They are no longer produced, so even if you really want to, you won’t be able to get it. The remaining copies in circulation are served according to all the rules, especially since this document is a form strict reporting. Instead of using a book to carry out deposit transactions, the bank offers special card products, such as a social card. The use of plastic is very convenient, because you can control expenses and income from anywhere in the world and at any convenient time.
What deposits are there in Sberbank today?
If you turn to official information On the Sberbank website, you can see that several deposit products are offered for clients and future depositors, and everyone can choose the appropriate option depending on the available amount and a convenient period for placing savings:
- Time to save. A new type of deposit with a rate of 6.5% per annum. Moreover, you can increase it by half a point if you pass the test in in social networks Odnoklassniki, VKontakte or Facebook. The minimum amount required to open a deposit is 100,000 rubles. The period for placing funds is 4 months. The deposit cannot be replenished or partially withdrawn, but it can be extended an unlimited number of times. Interest accrues at the end of the term and is paid in cash or to an account.
- Gift a life. According to the deposit agreement, every three months the bank transfers 0.3% of the investment amount to the Gift of Life charitable foundation (for children with oncological, hematological and other serious diseases). The minimum deposit amount is 10,000 rubles with an annual rate of 5%. Money is placed for a period of one year without the possibility of replenishment and partial withdrawal. It is allowed to draw up a power of attorney and a will for the deposit.
- Savings certificate. A security issued to bearer. Its profitability is higher compared to standard deposit offers. The placement period varies from 91 to 1095 days, and the interest rate is 0.01–7.20%. The minimum possible cost of a certificate is 10,000 rubles.
Sberbank has deposits that can be opened both through the bank’s cash desk and mobile app. In the second case, interest rates will be higher. The table presents the main parameters for opening a foreign currency and ruble deposit:
| Name | Bid | Minimum amount | Posting period | Special conditions |
|---|---|---|---|---|
| Save | RUR – 3.80–5.15%; USD – 0.01–1.05%; | 100 EUR. | 1 month – 3 years for RUR and USD; EUR – 1–3 years. | No replenishment; No partial removal. |
| Save Online | RUR – 4.05–5.63%; USD – 0.01–1.25%; |
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| Replenish | RUR – 3.70–4.62%; USD – 0.01–0.85%; | 100 EUR. | EUR – 1–3 years. | With the possibility of replenishment; No partial removal. |
| Top up Online | RUR – 3.95–5.12%; USD – 0.01–1.05%; |
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| Manage | RUR – 3.00–4.32%; USD – 0.01–0.50%; | 1000 EUR. | 3 months – 3 years for RUR and USD; EUR – 1–3 years. | There is a possibility withdraw funds and make additional contributions. |
| Manage Online | RUR – 3.25–4.82%; USD – 0.01–0.70%; |
Sberbank provides the opportunity to receive income from trading on the stock exchange, and you can choose any for placement securities. Individuals are invited to open a brokerage account with a maximum investment of up to 1 million rubles, valid for 3 years. To do this, you need to submit an application to one of the bank’s offices or call a Sberbank branch by phone. A commission is charged for transactions, but the client will be provided tax benefits according to the system he has chosen.
How to open a retirement account
There are no separate programs for pensioners, as was previously the case. However, this state of affairs does not mean at all that there are no priority proposals for them. Elderly people can count on any deposit with only one difference - no matter how much is deposited, the interest rate will always be the maximum. In addition, retired citizens can open a perpetual nominal account for enrollment social payments with a rate of 3.67% per annum.
Opening an account in Sberbank for individuals in foreign currency
In addition to the above savings programs clients can open for settlements with the possibility of partial withdrawal and replenishment not only in rubles, US dollars and euros, but also in other convertible currencies. The interest rate is 0.01% per annum, regardless of currency. They are accrued quarterly and added to the current amount. The minimum deposit is 10 rubles or 5 dollars at the exchange rate in any currency.
Video
Anyone can open an account with Sberbank of Russia. To do this, just go to the nearest bank branch, present your passport and indicate the purpose for which you want to open an account. Which one depends on the goal banking product they will offer you.
Registration of an account for always includes linking it to savings book or plastic card. This is done so that a person can manage his funds entering the account.
Using a passbook
The passbook still exists, but the bank aims to reduce it to a minimum. It is issued for:- issuing loans;
- pensions or social benefits those citizens who refuse to use a plastic card;
- to receive money from legal entities who have not concluded a service agreement with the bank (without this agreement, payments for plastic cards possible, but with a commission, but there is no commission for transferring to a savings book);
- and separate categories citizens with impressive savings, which they want to place on deposit at interest.
Depositing and withdrawing cash, as well as transferring it to a third party account using a savings book, is possible only through the operator of a Sberbank branch. In this case, a territorial restriction applies. That is, data on the account linked to the savings book is available only in branches that are geographically related to the branch of Sberbank of Russia in which the account was opened. For example, the West Siberian branch of the bank includes only Omsk, Tyumen region and Khanty-Mansiysk, Yamalo-Nenets autonomous okrugs. This means that withdrawing money and checking account status in other regions will be available only upon a special application. According to it, the Sberbank branch in which the account was opened will transfer funds to the branch where you want to receive money, but a commission of 300 rubles will be withheld, and the money will be transferred within 1 to 2 months.
A plastic card
In all other cases, the client is asked to link the account to a plastic card, since it has a number of advantages over a savings book. Depositing and withdrawing cash can be done through any. At the same time, no commission is charged for transactions if the ATM belongs to Sberbank. At ATMs of other banks, the commission can most often range from 0.7 to 7%, but not less than 100 rubles per operation - you need to find out the exact amount from the bank that owns the terminal.You can pay with a plastic card directly in stores with or without a commission. There are networks that provide discounts on goods when paying with a plastic card, the most popular are from 5 to 20%.
Another clear advantage of using a Sberbank card is online service. Having received the login and password for the card at any ATM, you can log into your Personal Area through the Sberbank website. See the status of your account or accounts, if there are several of them, and manage them here: transfer funds between your accounts or third-party accounts, pay for services or purchases. There are no territorial restrictions on service for a plastic card. You can use it in any city in the Russian Federation, as well as in any country in the world, with the exception of social and instant cards, for which service benefits are established.
The cost of servicing a plastic card depends on what type it is and ranges from 0 to 3,000 rubles per year. If you connect a mobile bank to your plastic card, you can manage your accounts from your phone. Mobile bank costs 30 rubles per month free cards and 60 rubles for all others.
Account opening procedure
So, you have decided for what purposes you initially need to open an account with Sberbank. With your passport, go to any branch that seems conveniently located. Please note that all major issues related to your account will be resolved in this branch in the future. The bank operator will offer you the most profitable and suitable program for opening an account. Will be standard contract, in which your data and data on open account. If you decide to open a passbook, you will be given it immediately. It is valid for 10 years, after which it is subject to replacement or account closure.
is produced within a maximum of 3 weeks, after which you will need to receive it by presenting your passport. This applies to the name card. Its validity period is three years. After which the card is reissued by the bank and sent to the branch where you opened the account. The bank itself monitors these deadlines, and write additional statements no need to update a new card. According to the rules of the bank, go to the desired branch new map arrives no later than 2 weeks after the expiration date. It must be received within the next 6 months, otherwise account servicing will be suspended. During this period, the bank will try to contact the client using existing contacts; if this fails, the card will be destroyed.
If you change your place of residence and are unable to arrive at the desired branch to receive the card, you should contact any other branch that will be more convenient for you in location. Write an application asking to reissue the card and transfer it for servicing to another branch. Each such application will cost 300 rubles.
At the moment, clients of Sberbank of Russia are also offered the service of instantly opening an account with the simultaneous issuance of a card at the time of application. Servicing it is free, the difference is that it is not personalized, but is valid for up to a year, after which you should contact any branch and exchange it for a new card.
Age restrictions
Theoretically, it is possible to open an account with Sberbank for any citizen, without age restrictions, but for minor children, parents or legal guardians must apply. At the same time, you can deposit cash into a minor’s account, but you cannot withdraw it. Thus, the account can only be linked to a savings book until the citizen reaches the age of majority.In some cases, it is possible to withdraw money from a minor’s account, but only if the parents or guardians receive permission from the guardianship authorities, which in practice in the vast majority of cases turns out to be impossible. Therefore, if parents want to save money for their children, it is better to do it in deposit accounts opened in their own name, so that if necessary, they can withdraw it from the account at any time.
Restrictions on account management are lifted upon reaching 18 years of age. From 18 to 25 years of age, citizens are provided with a special student card with preferential terms maintenance (the annual fee is only 150 rubles).
Salary card
Any citizen who wishes can open a card at Sberbank to receive wages on it, then independently contact the accounting department of the organization where he works with an application for a non-cash transfer of wages to his own bank account. Although now many organizations themselves enter into agreements with the bank and order the issuance of cards for transferring salaries to employees, while incurring the costs of issuing and servicing such cards. Please note that despite the original purpose of using the card for certain needs, this does not limit its use. So, if you were issued a card to receive a salary or benefit, this does not mean that you cannot provide the card details to receive additional funds on it or to transfer money to you from third parties. For example, transfer funds to relatives, use it to pay for any services. Defining a goal is necessary solely in order to select optimal offer by price of service and set of functions. In addition, one citizen can have an unlimited number of accounts, if necessary, but if you, for example, have two social cards, then only the first service will be free, the second and subsequent ones will cost 150 rubles per year.
Credit card
The credit account is linked to the credit card. This is more convenient than applying for a loan, since interest will accrue only when you use it, and when applying for a loan in the usual way, regardless of whether you used the money or not, interest will immediately accrue and after a month the funds will be written off towards repayment debt. A credit card is issued by Sberbank only using your passport regular customers who have had active accounts for at least six months. First of all, approval is given to those clients whose accounts receive approximately the same amounts (salary, pension) over the course of six months, as well as those who have already taken out a loan and have established themselves as conscientious payers.
For everyone else who wants to have a Sberbank credit card, you should also provide a certified copy of your work book with your passport, as well as a certificate of income in form 2NDFL.
Credit card data can be tracked through Sberbank online and through SMS alerts, but it can only be used to pay for services or purchases in the retail and service network (including for payment via the Internet). Make a funds transfer from credit card It is not possible to transfer to another account or a third party account.
Security of using cards
Unlike passbooks, plastic cards are vulnerable. There is a possibility that your data will become available to fraudsters and they will use your funds for their own purposes. To prevent such incidents, you should remain vigilant and attentive. You should not transfer data to third parties over the phone or leave the card unattended, and also use verified terminals and ATMs, preferably under video surveillance or located near bank branches.Remember: to use a card, fraudsters need to know at least three parameters:
- card number;
- its validity period;
- number mobile phone, to which the card or PIN code is connected.