During the crisis, many people were able to earn on investments in foreign currency. But many have lost from this action. Now the economy in Russia has somewhat stabilized, which allowed some investors to go into the black. Therefore, many are interested in the question of what a foreign currency account with Sberbank is for individuals.

Investment as a means of earning

Sberbank offers to issue deposits and contributions to all individuals who have free cash. To consolidate your savings, you need to diversify them into percentage. That's what all the experts say. For example, a person has a certain amount of funds, of which 30% must be allocated to a ruble deposit, 30% to dollars, 30% to euros and 10% to yen. Thanks to this, the owner will not lose on the depreciation of one currency.

Sberbank clients do not need to worry about the safety of their

These are the rules of the market that all future investors will have to face.. Often, an open currency account is not tied to a specific account in national or other currencies. A transit account is opened for this action. If the owner goes abroad, he will be able to use financial instrument and pay for the service. In this case, there will be no conversion of funds, as it would be if there was a binding.

With a currency account, you can also:

• receive transfers in foreign currency from different categories of citizens - individuals or legal entities. Translation can be carried out outside Russian Federation;
• currency transfer is available to a person only up to 75 thousand dollars on an annual basis. But there is also an exceptional case here in the form of payment for treatment or education;
• it is possible to make currency transfers within the state between their accounts in various credit institutions.

Kinds

Sberbank is constantly introducing new products and expanding its line. In particular, this also applies to deposits of individuals and legal entities. On this moment presented to the lender:

• term deposits, which are distinguished by the possibility of determining savings for up to three years;
• long-term deposits, which are issued for a period of more than three years;
• online deposits allow you to take actions to acquire an account remotely. This type of acquisition comes with higher interest rates and preferential terms.

That is, anyone can become an investor, even if they have access to the Internet. Opening a foreign currency account from the presented financial institution has significant advantages and certain subtleties. That is why the future investor must study all the conditions to minimize conflicts in the future.

Opening

If a person decides to open an account, then he can apply both personally to a credit institution, and remotely arrange it himself. If this is the first option, then it implies the following algorithm of actions:

• come to the branch of a financial institution together with an identity document;
• fill out an application of the established form for opening a foreign currency account;
• replenish the account through the cash desk of the credit company for the minimum deposit amount;
• sign a service agreement.

If a person decides to use an online resource, then you need to enter Personal Area and follow the algorithm of actions:

• go to the menu of deposits and accounts;
• next, go to opening a deposit;
• further, it is necessary to familiarize yourself with the information on the conditions for placing funds;
• a citizen at this stage can choose to deposit and then click continue.

Next, you need to create an application for opening. The deposit has the right to open both with a minimum deposit and without it. If without initial capital, then all fields are automatically filled with information. It is enough to specify the point of currency here.

If the investment comes immediately with the initial capital, then it is worth indicating:

• select the currency from the drop-down list;
• enter the appropriate amount in the minimum balance field;
• debit account allows you to specify the payment instrument from which the investment is replenished;
• it is also necessary to put down the amount in the section of the amount of crediting;
• after entering the previous item, the write-off amount will be filled in automatically;
• further, it is necessary to determine the procedure for paying the interest rate.

For the final opening of the deposit, you only need to confirm the application after checking for the correctness of filling in the data.

Open currency deposit you can at the office of Sberbank by providing a passport

Terms of Service

At the moment, there are several offers in the lender's product line:

Name	Currency	Percent	Limit	Term	Peculiarities
Replenish	Ruble	4,5	700000	6 months	Monthly interest payment; Additional replenishment functions
	Dollar	0,95	20000	36 months
	Euro	0,01	100	12 months
Top up online	Ruble	5	700000	6 months
	Dollar	1,15	20000	36 months
	Euro	0,01	100	12 months
save	Ruble	5	700000	6 months	Monthly payment of interest rate; Monthly capitalization
	Dollar	1,15	20000	36 months
	Euro	0,01	100	12 months
Save online	Ruble	5,5	700000	6 months	Similar to the previous option
	Dollar	1,35	20000	36 months
	Euro	0,01	100	12 months
drive	Ruble	4,2	700000	6 months	Interest is paid monthly; Availability of capitalization on a monthly basis; Possibility of replenishment; Possibility of partial withdrawal
	Dollar	0,6	20000	36 months
	Euro	0,01	1000	12 months
Drive online	Ruble	4,7	700000	6 months	Similar to the previous
	Dollar	0,8	20000	36 months
	Euro	0,01	1000	12 months

Nuances

The interest rate on an investment depends directly on the type of deposit. The highest income is presented in the "Save" deposit. But it should be opened only if there are free funds that a person will not claim after a short period of time. But the right remains with him. And if he makes a withdrawal, he will lose all accrued interest.

In order not to lose money on currency depreciation, you should carefully study all the nuances of deposits

For gradual savings, the “Replenish” deposit is suitable. Although the interest rate is lower there, but this allows you to replenish the investment on a monthly basis, which in the end will double the profit received. The universal investment is "Trust". Here you can carry out actions for both replenishment and spending.

Sberbank is included in the register of insurers, which allows account holders not to be afraid for their savings. After all, in the event of bankruptcy or liquidation, all funds within 1.4 million rubles will return to their owner.

It is also worth remembering that when receiving a profit from an investment, if there is an excess in income, the investor pays tax. Sberbank does not exceed the minimum limit, and therefore the cost of the product is low. A banking institution independently pays taxation for its own customers.

It is worth remembering that only tax that is above the refinancing rate is subject to taxation. For foreign currency placement, the tax is calculated based on the value of 9% per annum. For residents, the tax will be 35%, and for non-residents - 30%.

Open a foreign currency account with Sberbank to an individual easy enough. The main thing is to provide a passport and available funds. All actions are carried out exclusively at the branch of the credit company - it is impossible to open an account online at Sberbank.

In an unstable economy, savings in the currency of another country are increasingly attracting Russian citizens. Among all financial institutions offering profitable investments And high interest, the population in most cases chooses Sberbank. This is the main reason why they are interested in how to open a foreign currency account with Sberbank for an individual.

How to open a foreign currency account with Sberbank for an individual: step by step instructions
To open a foreign currency account with Sberbank, you should contact the nearest branch. After submitting a passport and writing an application, bank employees will independently prepare the documentation within an hour. If necessary, the details will be provided to you after registration.

To avoid misunderstandings, before opening a foreign currency account at a branch of Sberbank, it is imperative to consult on all issues in order to be able to consider all the negative and positive aspects of your particular case.

Next, you should decide at what rate Sberbank employees will open a foreign currency account for you. A plastic card for foreign currency deposits is not provided, but you can get plastic in dollars, and use it to carry out current operations. After the final decision is made, the contract is signed. Next, the client needs to deposit funds in the amount set by the bank. In most cases, the minimum deposit amount is $5. Further, after the agreed period, interest is charged. Minimum size the deposit depends on the conditions chosen by the client.

When opening an account in monetary unit other country appear some advantages. These investments differ significantly in interest rate, in contrast to the ruble deposit.

It is also possible to avoid problems with receiving transfers from another country, and you will also not need to pay for the conversion. Even if a non-cash payment is received, it will still be possible to convert it into money. In addition, you can make transfers and pay for different types services. No less convenient is opening a currency account online.

Opening a currency account using the Internet

In order to open a foreign currency account for an individual, you need to follow in a certain sequence:

So, sitting in a comfortable chair, without leaving home, it is really possible to open a foreign currency account for an individual in Sberbank. You can specify the personal account number in the "Deposits and Accounts" section.

People who care about their financial well-being often ask how to open a currency account with Sberbank Online? They are also interested in other ways of performing this operation.

Under currency account means an account opened with Sberbank by an individual or legal entity. The difference from a regular account is that the money on it is stored not in rubles, but in foreign currency. Interest on available funds is calculated as a percentage of the same currencies.

The need to open a foreign currency account

Sberbank of Russia has developed many profitable banking products for its customers. The most effective include not only cards and deposits, but also foreign currency accounts.

Operations made in foreign currency through Sberbank are subject to the regulation Russian legislation. There are a number of restrictions on currency transactions. That is why currency accounts are so relevant today.

Not everyone can become a currency account holder. The client must have a ruble deposit in Sberbank.

Often attached to a foreign currency account plastic cards. This can only be done with MasterCard cards and Visa. If a foreign currency account is connected to ruble accounts, then when transferring funds between them, free conversion occurs.

The client, becoming the owner of a foreign currency account, also receives a special transit account necessary for making transactions in foreign currency. This banking product is popular with individuals also because the client receives a large number of opportunities and higher interest rates.

Opportunities for individuals with foreign currency accounts

A person who decides to open a foreign currency bank account gets access to the following options:

• receive unlimited money in the form bank transfers from individuals and organizations located abroad;
• do Money transfers from their foreign currency accounts to foreign bank accounts in an amount not exceeding 75 thousand dollars in an amount per year;
• withdraw money received by bank transfer;
• pay with cards linked to a Sberbank currency account while in another country;
• accept transfers from other Russian banks;
• use funds in a foreign currency account to pay for treatment or education.

Features of working with foreign currency accounts

If there are funds in the account in the amount of more than or equal to 10 thousand dollars, then the client is charged interest in accordance with the agreement concluded between the parties. There should not be less than $500 left on the card.

Sberbank takes a commission from the client for the following actions:

• currency conversion;
• transactions;
• other operations with foreign currency accounts.

The remuneration is written off in favor of the bank during the execution of transactions in the form of a certain percentage or a fixed amount.

The procedure for opening an account by individuals

To open a foreign currency account for an individual in Sberbank, you need to proceed in the following sequence:

1. Go to any bank branch. To open, you need a Russian passport.
2. On the spot, a special application is filled out with the signature of the client.
3. A minimum deposit is required. It corresponds to 5 dollars, depending on the chosen currency.

Today, Sberbank specialists offer their clients the most profitable product- "Universal account".

If an individual plans to operate a foreign currency account, being not only in Russia, but also abroad, it will also be necessary to acquire a special currency card. They also allow you to pay for purchases online.

Additional documents provided by legal entities

If an organization wants to open a foreign currency account, then in addition to the application, the following documents will also be needed:

• copies of constituent documents (in without fail certified by a notary);
• registration documents (extract from the Unified State Register of Legal Entities);
• sample signatures of persons authorized to manage money in a foreign currency account based on the data entered in the bank card of the organization (it is also certified by a notary);
• orders and other documents proving the authority of persons who have gained access to a foreign currency account.

issued Bank card certified, if desired, directly at the branch of Sberbank.

Using Sberbank Online to open a foreign currency account

Many Sberbank customers are interested in how to open a foreign currency account through the Sberbank Online system. You need to understand that if the account is opened legal organization, then you will have to use the Sberbank Business Online platform.

Individuals need to act in the following sequence:

This is how, without leaving your home, you can open your own foreign currency deposit at Sberbank, to which you can transfer funds from your cards or accounts.

You can specify the account number in the relevant section "Deposits and Accounts" by going to the information about the required deposit.

Where can I open a deposit?

At Sberbank Online, an ATM or a bank office.

Can I open several deposits in my name at once?

You can open any number of deposits.

Can I open an account in the name of another person?

To open a deposit for another person, you need your passport and a notarized photocopy of the passport of the person for whom the deposit is being made.

Is it possible to open a deposit for several people at once, for example, a family one?

The deposit is opened only for one person, but you can arrange for free: receiving money and account statements, replenishing and depositing, closing and transferring to other accounts. To do this, contact the office of Sberbank. The power of attorney is valid for three years. The authorized person does not have to come.

In what currency can I open a deposit?

Find deposit and money

Can I find out about the presence of the contribution of the deceased under the will? How can I find a deposit if I don't know in which office it was opened?

You can apply for a search for accounts at any branch of the bank. To do this, you need to specify personal data and regions of Russia in which you should look for accounts. If we are talking about inheritance, then such a request can be issued by a notary.

How do I know that the money has been credited to the account?

You can check the crediting to your account at Sberbank Online or at the contact center at 900.

Close deposit and withdraw money

How does the bank notify that the term of the deposit is expiring?

Information on the deposit expiration date is available in the deposit agreement, as well as in Sberbank Online.

Under what conditions is the deposit renewed?

If you have not withdrawn the money from the deposit, it is automatically renewed on the terms and at the rate that are in effect on the date of prolongation. Thus, the interest on the deposit may change. If the deposit is no longer valid, it is extended as specified in the contract.

When can I withdraw the deposit if the deposit period ends on a weekend?

Log in to Sberbank Online and transfer money from your deposit to your card at any time - you can use it right away. Or come to the office on the next business day.

How to withdraw money from an account or passbook from another region?

Contact the office and submit a request for a transfer from another region. In three business days, the money will be in your bank.

Get income

What is interest capitalization?

Capitalization is the addition of interest to the deposit amount so that interest is charged on interest. This is often referred to as compound interest.

Is it possible to increase interest rate on the deposit during the term of the deposit?

Yes, if it is written in the deposit agreement.

Is it possible to withdraw the interest added to the deposit amount and in what way?

The interest added to the deposit amount can be withdrawn at any time in whole or in part. Get interest through Sberbank Online or at a bank office.

How to find out how much interest is accrued on a deposit?

Accrued interest can be checked at Sberbank Online or at a bank office.

What's happened maximum amount contribution?

Maximum deposit amount - the deposit amount at the end of the day of the date of opening or prolongation of the deposit, increased by 10 times.

What is an irreducible balance?

The minimum deposit balance is the minimum amount that must be kept in your account during the term of the deposit.

They lost the passbook, the depositor cannot come, but I have a power of attorney. Can I get interest without a book?

To receive interest without a passbook and a depositor, contact the office with a passport and a power of attorney.

Request Documents

How to get a statement from the deposit account?

Can I request a deposit statement at the office of the bank where I opened the deposit?

A deposit statement is issued free of charge upon presentation of a passport.

Manage deposits remotely

Will I be able to withdraw money from a deposit opened in Sberbank Online in different regional banks?

If you plan to withdraw money in another region, fill out an application for requesting the amount at the office. After three working days, you will be able to withdraw money.

I am a citizen of another state, but I temporarily live in Russia and I want to make a deposit. What documents do I have to provide?

To open a deposit, you need a Russian passport or foreign citizen, temporary residence permit or residence permit.

I live abroad, but I have a deposit in Sberbank. What does it take for my relative to manage the deposit?

Issue a power of attorney to dispose of the deposit with a notary or a person with appropriate authority, for example, a consul.

Can I bequeath funds to my relatives?

To bequeath a deposit to third parties, issue a testamentary disposition at the office of the bank where the deposit account is opened, with a notary or persons with appropriate authority.

What should I do if my passbook is with another person with a power of attorney, but I cannot come and I do not want him to withdraw money from it?

Get a notary to certify an application for the cancellation of a power of attorney. The application must indicate the full name, office number where the deposit is opened, account number, details of the power of attorney to be canceled. Send the application by mail to the bank office where the deposit is opened.

Get compensation

Is compensation paid to contributors and heirs if they are not now citizens of the Russian Federation?

Compensations are paid only to Russian citizens, with the exception of compensations to the heir to pay for funeral services on the accounts of a depositor who died in 2001-2015. At the same time, the depositor had to remain a citizen of the Russian Federation on the day of death.

What should I do if the account was closed during the payment of compensation amounts, and the savings book was withdrawn?

You will receive payments even without a savings book for 1991. All deposits with balances as of June 20, 1991 are formed into lists of permanent storage. You can get a certificate of balances for this date at the office where the deposits are kept.

If deposits opened before June 20, 1991 were closed, and the depositor does not know the numbers of closed deposits and the number of the office where these accounts were kept, can they be found?

Offices can find closed deposits at the request of the contributor or legal heir, and a notary request. The information will be certified by the signature and seal of Sberbank.

If the depositor (legal heir) does not live in the city in which he kept the deposit on June 20, 1991, what should be done?

Write an application for the transfer of a deposit at the bank office at the place of residence of the depositor, representative, heir. You will also need a passbook and an agreement, if you made one, to transfer the entire deposit and close the account. The money is transferred taking into account all interest and denomination dated January 01, 1998. The transfer is paid.

I am a parent/adoptive parent of a minor. What documents do I need to show at the bank in order to open an account for a child?

To open an account in the name of a child (provided that he is a citizen of the Russian Federation), you need to provide the bank with:

Certificate of registration in tax authority parent or adoptive parent and minor - if any;

If the parent or adoptive parent is a foreigner or stateless person, a migration card and, if applicable, a permit to stay/reside in Russia will be required.

What documents do a parent or adoptive parent need to receive money from the account of a child under 14 and make debit transactions on the account?

For transactions on a child’s account, a parent or adoptive parent needs:

Your passport or other identification document;

Child's birth certificate or a notarized copy;

If the parent or adoptive parent is a foreigner or stateless person, a migration card and, if applicable, a permit to stay/reside in Russia will be required;

Prior written permission from the guardianship and guardianship authority to receive funds or make debit transactions.

I am the guardian/custodian of a minor. What documents do I need to show at the bank in order to open an account for a child?

To open an account in the name of a minor, a guardian or custodian needs:

Your passport or other identification document;

Birth certificate (for a child under 14 years old), or passport (for a minor aged 14 to 18 years), or their notarized copies;

Document of the body of guardianship and guardianship on the appointment of a guardian or curator;

Certificate of registration with the tax authority of the legal representative and the child (if any);

If the guardian/custodian is a foreigner or a stateless person, a migration card and, if applicable, a permit to stay/reside in Russia will be required.

What documents does a guardian need to receive money from a child's account or make debit transactions?

For transactions on the child's account, the guardian must provide:

Your passport or other identification document;

Document of the body of guardianship and guardianship on the appointment of a guardian;

If the guardian is a foreigner or a stateless person, a migration card and, if applicable, a permit to stay/reside in Russia will be required;

Prior written permission from the guardianship and guardianship authority to receive money from the account.

I represent an educational/medical/social organization that has a minor under its supervision. What documents do you need to show at the bank to open an account for a child?

If the legal representative of the child is an organization, in order to open an account, the manager or trusted employee needs:

Power of attorney - for an authorized employee of the organization, issued on behalf of the organization by its head;

The charter or regulation of the organization, or their notarized copies, an extract from a single state register legal entities (USRLE).

What documents are needed by an organization (educational, medical, social) under whose supervision a minor under 14 years old is in order to receive funds from the child's account and make debit transactions on an account (other than the nominal one)?

If the depositor in the account is a child (a minor under 14 years of age), and his legal representative is an organization represented by a manager or an employee authorized by proxy, then in order to make debit transactions on an account opened in the name of a child, the following documents must be submitted to the bank:

Passport or other identity document;

Order on appointment to the position of the head of the organization or its notarized copy;

For an authorized employee of the organization - a power of attorney issued on behalf of the organization by its head;

Birth certificate of the child or its notarized copy;

A document of the guardianship and guardianship body on the placement of a minor under supervision in an organization;

Constituent documents (charter or regulation) of the organization or their notarized copies, extract from the Unified State Register of Legal Entities (EGRLE);

Prior written permission from the guardianship and guardianship authority to receive money or make debit transactions.

Who can request a bank account/deposit statement for a minor under 14 years of age?

An account statement is issued free of charge to the legal representative of a minor - a parent, foster parent, guardian or organization under whose supervision the minor is placed. A natural person (guardian/custodian) appointed by the body of guardianship and guardianship may act as a legal representative or entity- an educational/medical/social service organization under whose supervision the minor is placed.

At what age can a minor open a bank account/deposit on their own?

A minor from the age of 14 can independently open a bank account.

Who can open a bank deposit in the name of a minor?

Addressed minor contribution can be opened by the following persons:

Legal representative: parent, foster parent, guardian, custodian;

Contributor (third person) upon presentation of their passport or identity document, as well as a birth certificate or passport of a minor, or their notarized copies.

Who can open a bank account in the name of a minor?

In the name of a minor, an account can be opened by the following persons:

By minors themselves from the age of 14 upon presentation of a passport;

Legal representative: parent, foster parent, guardian.

Does the bank issue a savings book when opening a deposit in the name of a minor?

The savings book is issued at the request of the minor from the age of 14 or the person opening the deposit.

How to manage money on the account of a minor from 14 to 18 years old, including on an account/deposit opened by him/herself?

Debit transactions on the account of a minor from 14 to 18 years old are made by the owner of the account or on the basis of a power of attorney issued by the depositor at the bank or at the notary. To issue a power of attorney, you need the written consent of the legal representative and the prior written permission of the guardianship and guardianship authority.

For a minor from 14 to 18 years of age, the permission of the body of guardianship and guardianship and the consent of the legal representative are not required to dispose of the amounts of earnings, scholarships, unemployment benefits, funds in the form of material support, prizes awarded for winning olympiads, competitions and other events, amounts paid in cash by the depositor himself, as well as accrued interest.

The amount of pensions, benefits (except for unemployment benefits), alimony, inheritance and sums insured, including for the loss of a breadwinner, as well as amounts transferred or transferred in cash from third parties, including legal representatives, a minor from 14 to 18 years old can receive or spend with the written prior permission of the guardianship and guardianship authority, as well as the written consent of one from parents (guardian).

Can a minor from 14 to 18 years old on his/her account/deposit issue a power of attorney to perform transactions?

A minor can issue a power of attorney to dispose of money on his account both at a bank and at a notary. To issue a power of attorney without fail, you need the written consent of the legal representative and the prior written permission of the guardianship and guardianship authority to issue a power of attorney on the account.

Is it possible for a minor from 14 to 18 years old to open several deposits in his name at once?

A minor from 14 to 18 years of age has the right to have any number of deposits in the bank.

Where can a minor from 14 to 18 years old open an account/deposit?

Accounts can be opened:

At the bank office;

Remotely - at Sberbank Online and ATMs, if the minor has entered into a banking service agreement.

Who can request an account/deposit statement of a minor from 14 to 18 years old in a bank?

An account statement for a minor from 14 to 18 years old can be issued upon application:

The owner of the account (depositor) or his authorized representative;

Legal representative of a minor from 14 to 18 years old: parent, foster parent, guardian.

The deposit statement is issued free of charge.

Where can I get a certificate of the existence of an account opened in the name of a minor, incapacitated, limited in capacity of the depositor, to present it to the embassy?

For information, contact the bank office. Help will be provided on the same day. A fee is charged for the certificate in accordance with the bank's tariffs in force on that day.

Can a minor, legally incompetent citizen, limited in legal capacity, bequeath funds on his account?

No. According to paragraph 2 of Article 1118 Civil Code Russian Federation, a will can be written by a citizen who at that moment has full legal capacity.

Who has the right to make transactions on the account/deposit of an incapacitated depositor?

According to the account opened in the name of an incompetent citizen, operations are performed by his legal representative - guardian.

What documents must be presented to a legal representative appointed by the guardianship and guardianship authority in order to receive funds from the account of an incompetent ward?

If a legal representative (a guardian appointed by a guardianship and guardianship authority) applies to the bank to make transactions on the account of the ward - incapacitated, different from the Nominal account, then the following must be presented to the bank branch:

Identification document of the legal representative - guardian;

Identification document of the depositor (incapacitated) or its notarized copy;

A document of the guardianship and guardianship authority or a court decision on the appointment of a guardian;

Certificate of registration with the tax authority of the legal representative and depositor (if any);

Prior written permission from the guardianship and guardianship authority for debit transactions on the account of the ward.

Who can request an account statement (deposit) of an incapacitated depositor in a bank?

An account statement of an incapacitated depositor may be issued at the request of the legal representative of the incapacitated depositor - the guardian. The deposit statement is issued free of charge.

Who has the right to dispose of funds on an account opened in the name of a citizen with limited legal capacity due to a mental disorder?

Debit transactions on an account (deposit) opened in the name of a person with limited legal capacity due to a mental disorder are carried out by the account holder himself or his authorized representative under a power of attorney issued by the depositor in a bank or a notary. To issue a power of attorney, the written consent of the legal representative and the prior written permission of the guardianship and guardianship authority are required.

For a person with limited legal capacity due to a mental disorder, the permission of the guardianship and guardianship authority and the consent of the trustee are not required to receive from his account the amounts of earnings, scholarships, unemployment benefits, funds in the form of material support, prizes awarded for winning competitions, competitions and other events , amounts paid in cash by the depositor himself, as well as interest on the account.

Account (deposit) pensions, benefits, except for unemployment benefits, alimony, sums insured, including for the loss of a breadwinner, inherited sums, money transferred by third parties, as well as received in cash from third parties, including legal Representatives, limited in capacity due to a mental disorder, may receive (make debit transactions) with the written prior permission of the guardianship and guardianship authority, as well as the written consent of the legal representative (trustee).

Who has the right to dispose of funds on an account opened in the name of a depositor who is limited in legal capacity due to addiction to gambling, alcohol or drug abuse?

Debit transactions on an account opened in the name of a person limited in legal capacity due to addiction are carried out by the depositor (account holder), his authorized representative on the basis of a power of attorney issued by the depositor at a bank or a notary, or a legal representative (trustee). To issue a power of attorney, the written consent of the legal representative and the prior written permission of the guardianship and guardianship authority are required.

With the consent of the trustee, the depositor manages on his account the amounts of earnings, scholarships, unemployment benefits, funds in the form of material support, bonuses awarded for winning olympiads, competitions and other events, amounts paid in cash by the depositor himself, as well as interest on the account or contribution.

With the written prior permission of the body of guardianship and guardianship, as well as the written consent of the trustee, the contributor disposes of the pension, benefits (excluding unemployment benefits), alimony, insurance, including loss of a breadwinner, inheritance payments, money transferred or received in the form of cash from third parties, including legal representatives.

The legal representative (trustee) manages the funds on the account of the ward (limited in legal capacity due to addiction) with the written prior permission of the guardianship authority to receive from the account of the ward earnings, pensions, unemployment benefits, money in the form of financial assistance, prizes awarded for victory in olympiads, competitions and other events, including sports, accrued interest on the contribution of a person with limited legal capacity.

Who can request an account statement for a restricted depositor in a bank?

An account statement (deposit) of a limited-capacity depositor can be issued upon application:

Account holder (depositor) - a citizen with limited legal capacity or his authorized representative;

Contributor's trustee.

The deposit statement is issued free of charge.

Where can I get a certificate of an account/deposit opened in the name of a minor/incapacitated/limited depositor to present it to the embassy?

To obtain a certificate, contact the bank's office serving individuals.

Help will be provided on the same day. A fee is charged for the certificate in accordance with the bank's tariffs in force on the day the certificate is issued.

Can a minor, legally incompetent citizen, limited in legal capacity, bequeath funds on his account (deposit)?

No. According to paragraph 2 of Article 1118 of the Civil Code of the Russian Federation, a will can be written by a citizen who at that moment of making it has full legal capacity.

Who can draw up a will / testamentary order by bank deposit or account?

The owner of the deposit or account personally draws up a will / testamentary disposition. The agent cannot do this. To draw up a will / testamentary disposition, the owner of the deposit / account must have full legal capacity.

Testamentary disposition on a nominal account for enrollment social benefits(hereinafter referred to as the nominal account) is not issued in the bank. In order to dispose of money in a nominal account in case of death, the beneficiary * of the account must be of age and capable and draw up a will with a notary or other persons authorized to do this notarial act in accordance with the law.

Who cannot draw up a will / testamentary disposition on a deposit / account:

• an adult account holder who has been declared legally incompetent by a court;
• underage account holder;
• guardian of a minor account holder or guardian of an adult account holder, recognized by the court incapacitated (if we are talking about operations on the account of his ward);
• the guardian of a minor (14–18 years old) or an account holder with limited legal capacity (if we are talking about transactions on the account of the ward);
• an authorized representative of the account holder;
• nominal account holder.

The will / testamentary disposition must be personally signed by the testator. If the testator, due to physical disabilities, serious illness or illiteracy, cannot sign the will with his own hand, it can be signed by another citizen at his request in the presence of a notary (applicant).

Where and how can I draw up a will / testamentary disposition on a deposit / account? How much is it?

The owner of the deposit/account can issue in writing:

• a testamentary disposition at any office of the territorial bank of Sberbank where a deposit / account is opened (free registration);
• testament with a notary or other persons authorized in accordance with the law to perform the specified notarial act (the price is determined by the tariffs of notaries and tax code RF).

An adult capable beneficiary* on a nominal account can draw up a will in writing with a notary or other persons who are authorized to do so by law (the price is determined by notaries' tariffs and the Tax Code of the Russian Federation).

Is it possible to cancel or change a testamentary disposition executed in a bank? How much is it?

Can. The bank does not charge a fee for the cancellation or amendment of a testamentary disposition. If the testator wishes to change or cancel the testamentary disposition, he can apply to any office of the territorial bank of Sberbank where the deposit / account is opened and submit a personally signed testamentary disposition about this.

The testator can also change or cancel a testamentary disposition by drawing up a will with a notary, which specifically indicates which testamentary disposition or an order to cancel a testamentary disposition will be canceled or changed (the price is determined by notaries' tariffs and the Tax Code of the Russian Federation).

My relative had an account with Sberbank, there were savings books, a deposit or account agreement. What to do in case of death of the account holder or beneficiary* of the nominal account?

If there is a will / testamentary order drawn up before 03/01/2002, contact the bank office and present, depending on the specific case:

• death certificate of the owner of the deposit/account (for testamentary disposition);
• death certificate of the owner of the deposit/account and a notarized will with a notary's mark that the will has not been canceled or changed (for a will);
• certificate of ownership of a share in the common joint property of the spouses, issued to the surviving spouse;
• a notarized agreement on the division of money on a deposit/account;
• decision on reimbursement of expenses for the funeral of the testator;

If the will / testamentary disposition was drawn up after 03/01/2002 or if there are none, contact a notary to open an inheritance file. To do this, contact the notary at the last place of residence of the deceased or at the location of his property, if the testator did not have a place of residence in Russia. The notary will ask the bank for information about the presence of deposits/accounts and testamentary dispositions on them, and then draw up documents confirming the rights to the deposit/account with the money of the deceased. Take these documents to the bank:

In order to receive money from the deposit / account of the deceased, in all cases you need to present a passport or other identification document. Certificate of death of the owner of the deposit/account or the beneficiary of the nominal account (except as noted above), as well as savings book presentation is optional.

In what terms is the marital or hereditary share paid, payment for a decent funeral from deposits?

When applying to the territorial bank of Sberbank at the place of deposit - on the day of application, in another territorial bank of Sberbank - up to three working days. Take the following documents with you:

* if additional verification of documents is necessary, the payment period can be extended up to three business days.

It is possible to reimburse the expenses for the funeral of the owner of the deposit/account, the beneficiary* of the nominal account until the expiration of six months from the date of death and until the payment of money to the heir (surviving spouse according to the certificate of ownership). The amount of compensation is indicated in the notary's resolutions, but cannot exceed 100,000 ₽ or the balance of all deposits/accounts of the testator.

According to wills, deposits/accounts, funeral expenses are paid:

• to a person from a testamentary disposition, which was executed after 03/01/2002, upon presentation of a death certificate of the owner of the deposit/account and an application for payment of money from deposits/accounts for a decent funeral.
• to a person from a notarized will, which was drawn up after 03/01/2002, upon presentation of the will (with a notary's note that it has not been canceled or changed), a death certificate of the owner of the deposit / account, the beneficiary of the nominal account and an application for the payment of money from deposits/accounts for a decent funeral.
• to the person specified in the notary's decision on reimbursement of expenses for the funeral, upon presentation of this decision and an application for payment of money from deposits / accounts for a decent funeral. Presentation of a death certificate is optional.

For deposits/accounts free from will, funeral expenses are reimbursed:

• to the person specified in the notary's decision on reimbursement of expenses for the funeral of the testator, upon presentation of this decision and an application for payment of money from deposits / accounts for a decent funeral. Presentation of a death certificate is optional.

In all cases, you must also present a passport or other identification document in order to receive a payment for a dignified funeral. An application for payment for a dignified funeral is drawn up at the bank at the time of applying for payment, the application indicates the number of the account / deposit / card for transferring money.

Can a trustee or legal representative of an heir, including a parent or guardian of a minor/incapacitated heir, receive an inheritance?

Yes maybe. In addition to the documents confirming the rights of the heir to receive inherited money, it is necessary to confirm the powers of the trustee using a power of attorney to receive the inheritance payment. The parent needs to show a birth certificate, and the guardian - a document of the guardianship and guardianship authority on his appointment. The payment is made to the account of the minor/incapacitated heir.

Does the accrual of interest on the deposit of a deceased depositor stop?

No. The fact of the depositor's death does not change the procedure for calculating and accruing interest on the deposit.

The payment of a hereditary or matrimonial share for any amount leads to the recalculation of interest on the deposit in accordance with the conditions early termination and violation of deposit storage conditions. In the future, the bank charges interest on the terms of the deposit.

If the heir does not want to lose interest on the deposit, then he can apply for payment after the expiration of the deposit.

Note. Other issues and features of payments from the deposits/accounts of the deceased owner of the deposit/account or the beneficiary of the nominal account are regulated by the legislation of the Russian Federation. The bank may request supplementary list documents in accordance with the requirements of legislation and banking rules.

* The beneficiary of the nominal account is an individual (minor / incapacitated / partially incapacitated), recipient of social payments: the amount of pensions, alimony, benefits, compensation for harm to health and damage incurred in the event of the death of the breadwinner, as well as other payments for his maintenance in accordance with article 37 of the Civil Code of the Russian Federation.

How to open a foreign currency bank account - this question is asked by almost every person whose life or work is in one way or another connected with foreign exchange transactions. The main advantage of opening such an account is the ability to conduct a transaction without additional costs in the form of commissions.

Advantages of currency accounts

A foreign currency account has certain advantages:

• Allows you to carry out various operations (purchase and sale) without contacting exchange offices, as well as use the currency that may not be available in exchangers at all.
• You will be able to transfer through the bank to your loved ones who are abroad, pay for tourist trips and study abroad. It's more convenient and profitable way, in contrast to transfers through international payment systems, since they carry out currency conversion.
• It makes it possible to repay loans and debts without spending money on paying unnecessary fees. Read more about loans in euros on this page. The amount of payment is not limited.
• Eliminates the need to transport foreign currency when traveling abroad: you can open a special account that will allow you to cash out funds in any country.
• In the bank of your choice, be sure to ask about the possibility of opening a multi-currency account. This will come in handy when traveling to the countries of the European Union. You can read more about such accounts on this page.
• Provides the ability to manage your money through mobile phone or computer. Internet and mobile banking services are now available in almost all banks. Thus, you can be aware of all transactions made on the account without leaving your home.

Having decided to open a foreign currency account, keep in mind that the cost of services (opening and maintaining accounts) is different in each bank - you should not lose sight of this moment. Also each banking organization there is a certain fee for transferring funds to the accounts of other companies, plus commissions for withdrawing money.

How to open a foreign currency account: description of the procedure

The main thing you need to pay attention to is the one-time fee for opening and the cost of maintenance per year, as well as the amount of the commission for cashing out funds, transferring to another account. Besides, importance have exchange rates, a wide range of services in foreign currency.

To open a foreign currency account, you need to prepare:

• passport
• account opening application
• a certain amount of money required to open (usually 5-10 dollars).

After that, the specialist will prepare the documents and provide them to you for signature. Please read the contract carefully and Special attention on the item, swinging the calculation of interest on the balance of funds. Typically, customers are asked to issue plastic card MC or Visa linked to the account.

Which currency account to choose

Usually there are 4 options:

• foreign currency account
• multiple currency account

The first two options are suitable for those who wish to open an account for transactions, and not for storing or accumulating money. At the same time, a multi-currency account makes it possible to work with several currencies at the same time.

The third option is for those who want to receive additional income in the form of accrued interest. Plus multi currency deposit consists in the ability to save funds even with sharp fluctuations in exchange rates, as well as withdraw funds in one of the currencies.

Which is better: a foreign currency account or a deposit?

If you need an account in order to save and increase the available funds and, preferably, receive a certain percentage on them, we advise you to open a deposit in foreign currency. The interest on it is lower than on the ruble, but if you do not plan to withdraw cash, a decent amount can accumulate over the year.

The advantage of such an offer will be the opening of a transit account, to which you can transfer money to third parties and organizations, and, if necessary, withdraw.

Most profitable offer they can be found in:

1. Credit Europe Bank
2. Tempbank
3. International Bank of St. Petersburg (IBSP)
4. Prime Finance Bank
5. Eastern Express Bank.

Detailed conditions are presented on the official websites of these companies.

If you were planning to invest euros, then you will find the most attractive conditions in:

• Tempbank
• Prime Finance
• YAR bank
• BBR Bank
• Seabas bank

Opening a foreign currency deposit in an unstable economy is a wise decision for anyone who wants to keep their savings and also receive additional income. Typically, the rates for such programs are quite low, but the income from this type of investment is much more profitable than from deposits in rubles.

If you need an account for regular transactions, then we advise you to issue bank card. With its help, you can receive and send transfers, pay for payments and purchases, withdraw cash.

Offers the most attractive conditions