In Russia, every citizen has the right to a pension. After pension reform everyone can translate savings part pensions to non-state pension funds. Sberbank created its fund more than 20 years ago.

The official website and access to your personal account are located at: https://npfsberbanka.ru

In this article we will tell you about registration, whether it is profitable to transfer your funds there, and what opportunities open up for the fund’s clients.

Briefly about the Foundation

All employers in Russia transfer 22% to the pension fund. 16% of which is called the insurance part and is unchanged. And 6% can be transferred at the employee’s discretion to non-state funds. Subsequently, the NPF must invest these funds in various projects so that the amount in the account constantly increases. Sberbank NPF had a yield of 9.5% in 2017.

Positive aspects of the fund:

• Money is invested in large and proven projects;
• Guarantees of protection of your savings;
• Participant in the system of legal guarantees for insured citizens;
• The highest rating among other NPFs.

To start using personal account of NPF Sberbank you need to conclude an agreement at the branch and obtain access data.

Already 4,000,000 people have entrusted their funds to the fund and most of them visited the site and appreciated the ease of use.

Registration in NPF Sberbank

After you have completed the agreement at a bank branch, you should be given access parameters to the site. First of all, you need to go to the website https://npfsberbanka.ru and register. Go to the site and in the upper right corner look for the button “ Personal Area". Afterwards you should see a form for filling out your personal data:

• You must enter personal information:
  • Email address – the address must contain the @ sign;
  • Full name – last name, first name, patronymic of the client. Write it down as indicated in your passport. Your full name will not be displayed in your personal account in order to avoid disclosure of personal data;
  • Password for access. Create a strong password for your account. The password must be longer than six characters;
  • Security question to restore access. This is the question you will be asked when you restore access. Usually they come up with a security question in the form of the mother’s maiden name or the name of a pet.

    • Attention! If you don’t understand something when filling out the forms, then click on the question icons, there is help next to each item

  • After filling out the data on the first screen, the system should redirect you to the second screen, where you will continue to fill out your personal data:
    • Enter mobile phone– entered in format 7 xxx xxx xxx, without + signs;
    • Passport number – in the format (xxxx) 111222444. Only the passport number without registration, and without indicating the department that issued the passport;
    • SNILS number (green certificate) – enter the number correctly, the system will identify you using it and immediately link your pension account;
    • After this, you must check the box indicating consent to the processing of personal data. Set an SMS alert immediately. You will receive an SMS message every time funds are received in your account.

Also in your personal account you can find information documents on working with a pension for a pensioner. You can always read any new terms and conditions and make your own decisions. If you have any questions, call Sberbank's 24-hour technical support line 8 800 555 00 41

Every year the service is supplemented and improved for the convenience of users. ABOUT additional features you can find out from the online help or go to the office and ask the operators.

What's on the home page

At the top you can see the customer assistance hotline number - 8 800 555 00 41 . Also on the page you can see:

Menu consisting of sections:

• Agreement;
• FAQ;
• Statements from the client;

After logging in, the user will see all the contracts that were concluded with him. Be sure to check the availability of these contracts and the accuracy of the information entered (passport data).

If the data is incorrect or the system does not show the latest concluded contracts, then call 88005550041 and solve your issue.

Contracts must be changed when the client’s passport data or last name changes. Be sure to submit a request to adjust the contract after changing this data.

Sberbank's service can be used by both individuals and policyholders - legal entities. To register, you will be asked to enter personal data, data from your passport, SNILS number and email address.

To log in, please enter your email and correct password.

If you have forgotten your system access parameters, use the recovery option. Click on the “Forgot your password” link, enter the verification question and follow the system instructions. The service will send a letter to the specified email address. Inside the letter there will be a link by clicking on which you can specify a new password and log into your personal account of Sberbank NPF. You can also change the password from the “Settings” section in your account.

Profile – account settings.

To check your entered data, go to “Profile”. Your full name should be indicated there, you can add a photo to your profile, and date of birth.

In the system you can change:

• User photo;
• Change the password to another one. Simply enter your new password and confirm in the other field. The new password will take effect after saving the account;
• Change information about your current place of residence. You can change:
  • Index;
  • Area of ​​residence;
  • City;
  • street;
  • Apartment number;
• Change notification methods. Check the box next to the information you want to receive.

The system provides the ability to delete a profile from the system.

List of agreements and statements

In order to obtain information about concluded agreements, you need to go to the “Agreements” section. All contracts in the system are divided into:

• Mandatory;
• Individual;
• Corporate;

The service will take you to the application form tab. You can log in to the service using your State Services account.

In this section, you can fill out and print an application to create a personal account, and then take it to the nearest branch. After which your access data will be created. Call the hotline if you have any questions. Competent specialists will answer any of your questions around the clock.

Questions and answers section

Any questions? Then go to the “Questions and Answers” ​​section. It contains all the questions divided into categories. Select the one you need and get all the information.

On this moment There are the following categories:

• IPP – questions regarding the contract, service and payments;
• OPS - everything general issues, questions regarding maintenance, pension payments, inheritance;
• Services – questions about your personal account and Internet service;

Why do you need Autopay?

After activation and gaining access to your personal account, you can sign an additional agreement with the bank and set up automatic payment for pension contributions. This agreement can only be signed by appearing in person at a bank branch.

Automatic payment is necessary in order to replenish your account on time and not miss obligatory payments. Each client must independently configure the parameters for replenishing their account.

Autopayment is activated only after the first “manual” deposit of funds.

When making an auto payment from a current account, it is necessary that there are funds in the account. Otherwise, the payment will not be made. The bank does not charge a percentage for the service. All transfers within the bank are made without commissions. Check with the service specialists if you want to top up your account with a transfer from Tinkoff Bank or Alfa Bank.

How to become a client of Sberbank NPF?

There is no need to visit the pension fund. The bank employee will transfer your pension to the fund himself

After this, you will be given a login and password to access your personal account. The procedure is quite long, but you will be 100% sure of the result.

What are the individual plans?

In the personal account of Sberbank NPF, you can submit an application for individual service. To do this, select a pension calculator. It is located in the menu item, next to personal information.

Set different parameters and see what pension you will have if you additionally deposit funds into your account.

Having estimated the profit by pension deposit, you can create a custom investment plan. Available on this page different variants pension plans that you can take advantage of.

To learn about each service, click “more details”. And from this page you can order this service. At the bottom of the page you can find popular questions and their answers.

Call the contact center and ask for personal advice from a manager if you have any questions.

Contact Information

On the main page at the top you can find NPF contacts. Click on it and select the branch that is closest to you. It is not necessary to enter the exact address, just select a city and then select a branch on the map.

After that, you will be shown the address of the department, the route you can take, opening hours and telephone numbers where you can get advice.

How to check savings

The entire amount of savings is displayed in the personal account of Sberbank NPF. This data is displayed on the main page of the service.

You can get detailed information on transfers; to do this, select the amount and click on it. After this, you will see a page with information about income and accrued interest for the last quarter.

You can request a full statement for the entire period of existence of the funded part of the pension. To do this, you need to fill out an application online and then go to a bank branch. You can download the form through your personal account.

The bank employee will ask you for your identification document. Also take the contract with you or write down the contract number and registration date. This data will help when receiving an extract.

Frequently asked questions about NPF Sberbank

What is an Individual Investment Pension Plan and how to apply for it?

This is a personal pension investment program that is created by the client himself. He constantly replenishes his retirement account, so that after 25-30 years, his additional income will become significant. The service can be activated through your personal account.

Which minimum size contributions to the Individual Pension Deposit?

The size of payments must be from 500 rubles. Maximum size The deposit is not limited in any way.

Who signs the contract?

Citizens over 18 years of age and who have Russian citizenship can take advantage of pension savings.

Where can I draw up an agreement?

To draw up an additional pension service agreement, you can go to a bank branch, or sign it through your NPF personal account. To sign the contract you will need a passport, number bank card and SNILS.

How and where to receive the funded part of the pension?

Once the client reaches retirement age, he or she can apply for early payment of the funded portion of the pension.

The client must write an application at a bank branch or send it via Russian Post independently. In this case, the documents must be notarized.

All forms are located inside your personal account.

I hope we were able to cover the work in the personal account of Sberbank NPF so that you do not waste your time reading unnecessary information.

A non-state pension fund is a non-profit organization that manages the funded part of its clients’ pensions when carrying out its own activities. Insurance pension contributions, produced by employers, go to special open accounts NPF clients.

In this article we will consider the non-state pension fund of Sberbank. Reviews will also be provided.

On what basis does the NPF work?

The system that NPFs adhere to in their work is enshrined in law, and any deviations from it are unlawful. The nuances of the work of NPFs include:

1. Contributions to compulsory pension insurance are made by the insured person himself or his employer.
2. Pension savings reserves are invested in assets with the aim of preserving and increasing them, while maintaining the reliability of deposits and taking risks into account.
3. When the insured person reaches retirement age, in addition to the social pension, he is paid monthly not only the accumulated contributions, but also the profit received as a result successful investment. Why is the Sberbank pension fund popular? Reviews about this will help you make the right choice.

About the benefit

The benefits from deposits in non-state pension funds can significantly exceed the indexation of savings offered by the Pension Fund Russian Federation. The NPF commission is no more than 15% of the profit received. NPF more possibilities for investing deposits, which means there is a greater chance of getting an increase in pension savings. The most difficult problem in this area at the moment is which fund to choose. After all, there are more than a hundred non-state pension funds operating in Russia, and choosing the most reliable and profitable one is a matter of trust and confidence in the future.

The Sberbank non-state pension fund seems reliable to many. Let's look into this issue.

NPF statistics

Private pension funds undergo strict audits under the control of the Pension Fund, Central Bank, Federal Tax Service and third-party audit companies. The reporting of organizations organizing non-state pension funds must be in open access. Based on the results of the audit and based on the obtained statistical data, ratings are compiled according to the following indicators:

1. According to the area of ​​investment carried out and the number of types of investments (this can be shares or bills).
2. The most profitable NPFs are identified based on the size of their authorized capital.
3. Based on the totality of investors who have reached retirement age and the amount of monthly additional payments.
4. By the number of participants in the savings system.
5. In terms of reliability and stable profitability of investments. For example, the Sberbank pension fund (reviews confirm this) exists relatively recently, but has already proven itself well.

The creators of the largest non-state pension funds in Russia are the main enterprises banking sector, transport, oil and gas industries. They are mostly aimed at preserving the pension savings of employees, but many attract outside investors. To transfer the right to invest your funded portion of your pension in a non-state fund, you need to personally or remotely enter into an agreement with a non-state pension fund, and from January 1 following current year your savings will be transferred to the pension fund of your choice.

Problems and disadvantages

Today in our country one can observe consolidation of funds everywhere, which is due to the adopted legislation. If the pension fund does not have the necessary authorized capital, it is unlikely that it will be possible to take a firm position in this area. The fund must have enough money to be able to pay its clients the amounts due to them. Therefore, it is not accepted to take risks in the field of pension savings. According to reviews, the Sberbank pension fund is a leader among its competitors.

The main problem in the functioning of non-state pension funds is the direction of investment. Funds give preference to short-term investments, which is fully justified by instability economic situation in the country and in the world. NPFs cannot afford long-term transactions due to the high degree of responsibility for investors’ capital.

It happens that even with short-term investments, a non-state pension fund loses some of its funds. And in such a situation, there is a high probability that the fund will leave the niche of pension savings. In this situation, investors go back to Pension Fund and choose a new option for transferring their savings.

Non-state pension fund of Sberbank

One of the leading places in the ranking non-state funds occupied by Sberbank NPF. It was founded in March 1995. The sole founder is Sberbank of Russia OJSC itself. The fund is organized as an open non-profit social organization, and is managed by the board of the non-profit organization. He determines investment objectives and directions, manages all fund activities, approves documentation, etc.

Sberbank NPF has more than eight and a half thousand branches throughout the Russian Federation, in each of which you can sign an agreement to transfer your pension savings to this fund. About 7.6 million clients have entrusted their pension savings to Sberbank, so the assets of the NPF total more than 470 billion rubles. Since 2010, the fund has received the highest ratings in the field of reliability and security of deposits and stable forecasts for further successful existence. These are the advantages of Sberbank NPF.

How to get to the NPF personal account?

Any program participant pension insurance from Sberbank can access his personal account on the NPF website. To do this you need:

1. Sign an agreement on non-state pension insurance at any branch of Sberbank and wait until it takes effect.
2. A special account must be opened at Sberbank for transferring the funded part of the pension and further contributions.
3. You must also agree to the processing of your personal data by the bank. There is also hotline NPF Sberbank.

What can you do in your personal account?

In your personal account you can not only monitor information on personal account, but also to manage pension savings, namely:

1. Change the pension insurance program.
2. Make contributions according to an individually drawn up plan.
3. Receive an account statement showing the movements of the depositor's funds during the specified period.
4. You can make an approximate calculation of your future pension using a special online calculator.
5. Monitor contributions from the employer to the funded part of the pension in the Sberbank Non-State Pension Fund.

Interest rates and income

Depending on which pension insurance program the investor chooses, a certain interest rate is set. Today, Sberbank NPF offers the following options:

1. Pension insurance program, which also provides for a co-financing program.
2. Individual plans pension contributions(the interest rate is specified in individual plan in the contract).
3. Corporate options for legal entities.

The dynamics of the income of the Security Council of the Russian Federation, according to statistical data, is positive, despite the differences in expert opinions on this matter. The fund's management officially confirms the possibility of increasing savings invested in NPFs. The bank's indicators directly depend on inflation and the general economic situation in the country. But the situation is the same with the state pension fund, in which a person does not have the right to receive his savings before retirement.

So, is it worth transferring your pension to Sberbank NPF?

Advantages of Sberbank NPF

The undoubted advantages of Sberbank NPF are its stable and long-term operation, high reliability of deposits, as well as an individual approach when concluding contracts. Unlike state pension insurance, funds received into an account in the Sberbank Non-State Pension Fund are inheritable. Also, the advantages include a clear and accessible website with a personal account, where you can get comprehensive information about available pension insurance programs, interest rates on deposits, as well as control your finances under already concluded agreements. The number of branches of Sberbank NPF is also convenient (the rating confirms this), which allows you to receive pension insurance services in any corner of our vast homeland. Another advantage is the absolute transparency of all information on programs and deposits; here you don’t have to worry about any pitfalls, tricks or fine print.

The phone number of Sberbank NPF can be found at any branch.

The Sberbank Non-State Pension Fund was established by Sberbank of Russia OJSC on March 17, 1995 within the framework of Decree of the President of the Russian Federation dated September 16, 1992 N 1077 “On Non-State Pension Funds”, operates in accordance with Federal law 75-FZ of May 7, 1998 “On non-state pension funds.” The founder and sole shareholder of NPF Sberbank JSC is Sberbank of Russia OJSC, one of the largest and most reliable banks in the country.

OJSC Sberbank of Russia 1 is not only the founder of JSC NPF Sberbank, but also its partner in promoting pension services and servicing clients throughout the Russian Federation.

Sberbank NPF is the leader in the compulsory pension insurance market: the number of Fund clients exceeds 3 million people. The assets of Sberbank NPF are over 245 billion rubles 2.

The Fund provides comprehensive pension services for individuals and legal entities through branches of Sberbank of Russia OJSC throughout the Russian Federation, as well as via the Internet on the Fund’s website.

Perpetual license Federal service By financial markets to carry out activities on pension provision and pension insurance No. 41/2 dated June 16, 2009.

Reliability of JSC NPF Sberbank confirmed by the country's leading rating agencies:

A++ (exceptionally high, highest level of reliability) 3 according to Expert RA.

AAA (maximum reliability) 4 about the version of the National Rating Agency.

Awards

• National award “Company of the Year”, nomination “Non-state pension funds”.
• Diploma "Growth Leader in OPS" (rating agency "Expert RA")
• Award from the National Rating Agency in the category “For high level diversification of the market client base.”

• Award “Best in Russia”, project “Choosing an insurer for pension savings”.
• Golden Phoenix Award, nomination “Effective Management Strategy”.
• Award “Financial Elite of Russia”, nomination “Grand Prix: Non-State Pension Fund of the Year”.
• Diploma of the Rating Agency "Expert RA" "For high reliability."
• Winner of the “Financial Prestige 2013” ​​award in the “People’s Choice” nomination.

• Diploma of the Rating Agency "Expert RA" "For the development of NGOs."
• Winner of the national award “Financial Elite of Russia” in the “Dynamics of Development” category.

• Diploma of the Rating Agency "Expert RA" "For high growth rates of the client base for non-state pension provision."
• Winner of the national award “Financial Olympus 2011” in the “Retail Non-State Pension Fund” category in the “Dynamics and Efficiency” category.

• Diplomas Rating agency“Expert RA” in two categories at once: “For high growth rates of the client base” and “For improving reliability indicators.”

• "Company of the Year - 2010" in the main category "Finance".
• Winner of the Finance 2010 award in the category “For visionary strategy.”

• "Financial Olympus" Award. The Fund was awarded the victory in the category “National Pension Fund Management Strategy (Dynamics and Efficiency)”.

• Prize "Count Guryev" in the field of pension industry and social insurance for his contribution to the development of the pension industry.

• Winner of the national award “Financial Olympus 2007” in the nomination “National Pension Fund Management Strategy” in the category “Result and Success”.

Sberbank NPF offers its clients the following pension services:

Phone: 8 800 555 00 41 (toll free)

Official page of the Foundation on Facebook.

Among organizations providing services for accumulating funds for retirement, the offer from OJSC Savings Bank stands out. Introduction of such a convenient account management mechanism in NPF Sberbank. An online personal account has greatly simplified the work of users, saving them from frequent visits to the bank.

Features of a non-state pension fund account

Since only a citizen who has entered into an agreement related to pension insurance has access to his personal page. It remains to consider the question of how to correctly go through the registration procedure on the official website and get a personal account at NPF Sberbank.

Registration

It is worth considering how to register in your personal account at NPF Sberbank. To get your personal account, you need to go to the official website. Here you must complete the pre-registration procedure.

Since the most complete access to various services is possible from Sberbank NPF in your personal account, it will be necessary to register in order to gain access to them. And since the Savings Bank strives to provide maximum conditions for comfortable work, the possibility of registration is as simple as possible.

To complete the procedure for registering a personal account in Sberbank NPF, you should choose one of the proposed methods:

• By visiting a direct bank branch, taking your passport with you.
• By visiting the official website of Sberbank NPF. Your personal account will become available immediately after filling out the form. You will need to confirm your details.
• Having chosen the procedure for obtaining a personal account online at NPF Sberbank, it is recommended to register on the website, giving you the opportunity to spend significantly less time. The most important thing is to follow the instructions exactly.
• To ensure that no difficulties arise when registering your personal account online on the Sberbank NPF website, you must not only fill out, but also check that the available fields are filled out correctly. To do this, you must indicate your full name and come up with a complex password.
• To receive notifications, enter your cell number.
• You must fill out the information from your civil passport.
• Enter your SNILS data.
• You must enter your last name in Russian.
• Now all that remains is to check that the information entered is correct.

All fields are simple and understandable to everyone who wants to become clients of Sberbank NPF. We have looked at your personal account and how to register in it.

Important! Don't forget to check the information you enter before clicking the "Next" link.

As you can see, it is very easy to become a client of Sberbank NPF. Registering a personal account does not take much time.

How to login

Let's look at what a personal account in Sberbank NPF will look like. Login to it is also carried out on the main page of the site. Here you have everything you need to use all the capabilities of the NPF in Sberbank. Login to your personal account for individuals goes through login and password.

However, you should be prepared to protect your account data. This is due to the fact that, having gained access to them, any fraudster will be able to log into his personal account at NPF Sberbank, which can lead to trouble and even loss of money.

Features of programs for legal entities and organizations

The savings bank launched a program aimed at servicing organizations and legal entities. It implies that you will have to go directly to the official website of the Savings Bank.

Moreover, to the amount that the individual will contribute, he will independently carry out transactions and contributions, receiving an annual income from the Fund’s investments in the amount of 13%, and the organization where the investor works will contribute an additional 20% to the contribution. All this is reflected if you log into your personal account at NPF Sberbank.

How to recover your account password

There are situations when a user forgets the password for the Sberbank NPF personal account. It will be impossible to log into your personal page. But if you despair, immediately proceed to restore the ability to log in:

• Click the “Forgot your password?” button;
• We are waiting for a letter to the email specified during registration with a request for change forgotten password entrance;
• to confirm your actions, you need to enter a captcha;
• Once you have access to your account, be sure to change your password.

All processes carried out to gain access to the personal account of Sberbank NPF of an individual can only be entered by email.

What features does an individual account have?

To do this, it will be enough to visit NPF Sberbank. Online login to your personal account is available around the clock, 7 days a week.

Frequently asked questions from users

Users may have questions related to the personal account of Sberbank NPF CJSC. Here are the answers to the most popular ones:

Why can't you read the insurance contract?

There can be many reasons for this. Initially, you should go to JSC NPF Sberbank on the official website and in your personal account.

The main reason is that various mistakes were made, the correction of which will allow us to obtain the long-awaited contract. Detailed information You can get it by logging into your account or by contacting bank specialists directly.

What features does an individual pension plan have?

A special program allows system users to independently participate in the formation of their pension. It will depend not only on its contributions, but also on a rationally chosen package of services. All this can be seen by visiting NPF Sberbank in your personal account, enter the appropriate section and everything will be clear and understandable.

NFP Sberbank is the main leader in the specialized pension insurance market. Started its work in 1995, it has attracted more than 3 million clients. The non-state pension fund Sberbank offers services for citizens who want to increase the funded part of their pension, calculated from employer insurance contributions. For the convenience of its clients, the Foundation has developed an individual portal where you can register in your personal account. The service greatly simplifies the process of working with the institution.

Information about savings in the fund is always available in your individual account. Using the service, the client can:

• receive online information about the transferred parts of the funded pension;
• pay the next installment;
• view the history of completed transfers;
• activate the automatic payment service;
• submit an application for services and check the status of submitted applications;
• find out the amount of total savings.

Also in his personal account, the client can see all new offers from the fund. The service is convenient and easy to use.

There are 3 ways to log into your personal account:

1. Going from home page service.

1. Through a browser to a direct address.

1. Through Sberbank online.

The personal account is intended only for individuals commercial companies cannot use the fund's services.

When logging into the system, the virtual mail address specified during registration is used as a login. After entering reliable data, you must press enter to get to your personal page.

Registration of a personal account

To access the individual page, the client must complete the registration procedure. From the main position of the Sberbank NFP website, click on the personal account tab, which is located in the top right corner.

Registration consists of completing 3 steps:

1. Filling out a form with basic information about the client:

• virtual mail address;
• secret question and answer;
• password.

1. Introduction of additional information:

• cell phone number;
• passport details;
• SNILS.

This step includes confirming consent to data processing and entering numbers from the proposed image.

1. Conclusion of registration and message about successful operation.

After completing the registration procedure, the client needs to go to his personal email, where he received a letter from the fund. Then follow the provided link to log in. Without this step, the account will be considered inactive.

Recovering your personal account password

The statistical assessment of the fund's reliability is high. This confirms the absolute safety of storage and increased savings. The Sberbank NPF service also has protection against information getting to unauthorized persons. The client is only required not to tell anyone the password. If it is forgotten, you need to use the system for restoring it.

Go to the login page personal account and go to the “Forgot your password?” position.

A request to change your password will open, where you need to enter your email address and the code from the picture.

Download the Sberbank NPF mobile application

In September 2018 the fund pension savings Sberbank launched an application for Android. You can download the service for smartphones on iOS here:

The Sberbank NPF application provides a unique way for Russian citizens to take care of a decent life after retirement. With it you can:

• conclude an individual plan;
• find out up-to-date information on your savings;
• transfer contributions to your pension account in the fund;
• view your transactions and order savings statements;
• monitor the profitability of investing in non-state pension funds.

Using mobile app, the client can keep track of all pension products in one place. He can also use the branch map PJSC Sberbank for personal use.

Hotline number

Sberbank NPF has opened a help line for its users in all difficult situations.

You need to contact the NFP service number - 8 800 555-00-41 .

The fund's employees will provide advice on all the company's products, sort out incorrect system charges and help you recover your password if you lose it. They are competent to answer questions about contracts, quality of service and due payments. You can get support from the fund around the clock.