The Sberbank savings certificate accrues interest in 2019 only on previously issued copies. In 2018, the range was from 4.35 to 7.1%, however, the security itself ceased to be issued in July by force of law. Is it possible to buy a certificate now, how can I cash it in, and what interest rate will be in effect at the time of redemption?

Sberbank savings certificate - what is it?

A bearer savings certificate is a valuable, non-registered paper (it doesn’t matter who uses it). On the one hand, it confirms that funds have been deposited into the bank account, on the other hand, it gives the owner of the paper the right to receive this money.

In simple words - if you have a Sberbank bearer certificate in your hands, you can exchange it for money by contacting a bank branch with a passport.

Since July 2019, Sberbank has not sold bearer savings certificates or accepted them for safekeeping. Only redemption and cash advances are available for outstanding securities.

What does a bearer certificate look like?

In Sberbank on a security in mandatory present:

• Nominal value is the amount “assigned” to it;
• The interest rate and term under which the money is placed;
• The amount of interest payable on the maturity date;
• Details of the branch where the deposit was made;
• Series and "live" seal of the bank.

The certificate form itself is printed in the Gosznak printing house and has state protection against counterfeiting.

back side certificate

A bearer security consists of two parts: the “body” and the spine (separated by a dotted line), the latter, upon redemption, is handed over to the owner, the main part remains in the bank, confirming the fact of withdrawal of money.

According to the rules, blots and amendments when filling out a non-personal certificate are not allowed - in this case, the bank may not accept the paper for redemption and the rights under it will have to be restored through the court if internal examination does not confirm the authenticity:

To transfer rights under a security, it is enough to hand over the form to the future owner. According to the law, it is not necessary to formalize additional agreements (donations, assignments of rights, etc.) for non-personal certificates.

In 2018, the “cash” rules sharply tightened money turnover. Banks have acquired the right, when issuing large sums of cash from deposits, to require documents confirming the origin of the money. If you buy a certificate secondhand or are given one as a gift, ask to draw up an agreement - this will make it easier to withdraw money from the account.

Savings certificates for individuals were issued only in rubles, and money can be received in cash at the cash desk or by bank transfer to an account.

How to use a non-registered security

If you still have a 2018 (or earlier) certificate in your hands, there are plenty of ways to use it:

• Give as a gift - any individual will be able to withdraw money from Sberbank branches (it is better to accompany it with a gift agreement if the amount is large).
• Pay - the form is often used as a method of payment for goods and services.

Please note that the Central Bank's instructions directly prohibit such transactions. Moreover, if you are offered payment in securities - think about it! Such a transaction will be illegal, and the owner will be able to claim the certificate back through the court.

• Pledge when applying for a loan or mortgage;
• Bequeath - in this case it is better to leave the forms for safekeeping: for example, remove a safe deposit box. Include all the information on the certificate in your will - this will make it easier for the heir to withdraw the money.
• Borrow by drawing up a loan agreement or receipt.
• Selling is the easiest way to cash out your investment while retaining some of the interest income.

Disadvantages and risks of savings certificates

It was not for nothing that the issuance and registration of unregistered securities was prohibited at the legislative level. This financial instrument was actively used to launder income and created considerable risks for economic stability.

For bona fide individuals it was convenient way receive a rate higher than the deposit and make an original gift.

If you still have a bearer certificate in your hands, remember its main disadvantages:

• Vulnerability - theft, loss or loss - is a big nuisance because... rights will have to be restored through the courts. The maximum you can do is to promptly write an application to the bank and limit access to money, but you won’t be able to withdraw it yourself without a certificate. As of today, Sberbank has stopped accepting forms for storage.
• Lack of insurance - money assigned to a certificate is not subject to insurance according to the rules of the DIA (this fact gave them an increased profitability compared to a deposit);
• Strict conditions - early withdrawal of funds will reset your interest rate, and the lack of renewal makes extending the “life” of the certificate pointless.

Sberbank savings certificate: interest 2018 - 2019

At Sberbank, profitability for individuals changed quite often - two or three times a year, following key rate Central Bank.

As of today, interest on savings certificates for this year revised twice:

Until April 2018:

The denominations were always the same and you could choose not a “round” amount, but a fractional amount, for example, 12,500 rubles.

Savings certificates in circulation have all the features of a “hard” deposit:

• Not renewed (not extended). If the amount is not requested, interest stops accruing.
• Income is accrued and paid only on the maturity date (without capitalization).
• The interest rate is fixed and does not change throughout the entire term.
• You cannot top up.
• Early withdrawal deprives the “deposit” of its meaning - profit is recalculated at the “On Demand” rate for individuals (0.01%).

Profit directly depended on the duration of the placement and the denomination. At the same time, for a period of six months to 3 years, the profitability in 2019 was absolutely the same, and in order to get more or less high percent, the entry threshold started from 50 thousand rubles.

For pensioners, interest on Sberbank savings certificates did not differ from the base rate.

The most high stakes were appointed according to certificates during the past three years, compare:

Percentage 2014-2015:

Financial institutions cannot compete with such rates now, but it is possible to choose a deposit at the level of interest on a 2019 savings certificate.

How to find out the profitability of a savings certificate

You can find out what percentage is valid on your certificate by at least in three ways:

• Take a look at the front side of the resulting sample - the form reflects all the important financial information(par value, yield, amount of interest due, maturity date);
• If you issued the certificate yourself, go to Sberbank online through the Other menu item:

Clients who have signed a Banking Service Agreement receive full access to all accounts remotely.

• You can find out the yield on certificates of early issues (starting from 2010) in the archive of Sberbank interest rates: sberbank.ru/ru/person/contributions/archive

Sberbank profitability calculator

There is no special service for calculating income on savings certificates for individuals - and it is not needed.

A regular calculator will help you; the formula for calculating percentages is simple, because... the rate is fixed for the entire period: amount*percent/100 is the income for the year, and then divide it or multiply it by the number of periods, so 180 days is 0.5 (half the annual return).

That is, for an amount of 100 thousand rubles, for a period of six months, the income will be as follows: 100,000 * 0.052 * 0.5 = 2,600 rubles.

How to buy a savings certificate in 2019

Previously, individuals over the age of 14 could obtain a certificate. But now the issuer has stopped selling securities, so you can only buy it informally - from another individual, paying the face value and part of the interest income.

In this case, you assume all risks:

• The form may be fake;
• The seller can challenge the transaction and reclaim the security. If the case goes to court, each party will have to prove the good faith of its actions and the facts to which it refers.

Certificates issued in 2014 and 2015 will be beneficial for purchase, when interest for a denomination from 50 thousand to 1 million for a period of 3 years ranged from 11.25%.

There is no point in purchasing the rest - interest rates Sberbank deposits are much more attractive today.

How to withdraw money from a Sberbank savings certificate

It is enough to contact the bank branch that deals with securities and present your passport and form. If the amount is over 100 thousand rubles, it is better to order money in advance - 3-5 days in advance, so as not to get into this situation:

Persons under 18 years of age can withdraw money in exchange for a certificate without the permission of guardians or trustees, only if they purchased it at their own expense.

Conclusion

In 2019, interest on Sberbank savings certificates for individuals slightly exceeded deposit rates. However, from July securities are no longer issued and accepted for storage. You can redeem and withdraw money from a bearer certificate with your passport, having clarified in advance which branch is best to contact.

A Sberbank savings certificate is a security confirming the bank’s obligation to repay a deposit placed by an individual. The certificate differs from a regular deposit in its higher yield and is issued to the bearer. Any operations with the certificate are carried out only upon presentation of a passport.

The security is intended for saving and increasing Money its owner. Sberbank offers an increased interest rate on this product. The bank explains this by saying that the deposit monetary document does not participate in the deposit insurance system, that is, it is not subject to insurance. This allows the bank client to be guaranteed to receive the maximum income from the security.

General characteristics of a savings certificate

A savings certificate is issued and serviced by Sberbank under the following conditions:

• The security is issued only in Russian currency.
• The minimum period for which a certificate is issued is 91 days (3 months). The maximum period is 1095 days (3 years).
• Cannot be extended. The security form cannot be rewritten.
• Registration is possible with a minimum deposit amount of 10 thousand rubles.
• The depositor independently, but within the terms of Sberbank, determines the number of securities convenient for himself, their terms and nominal value.
• The obligation is urgent, that is, it is issued for a specific period specified by the investor.
• The interest rate is fixed when the deposit is made.
• The holder of the paper can present it for payment at any time convenient for him. However, in case early termination deposit income is accrued at an annual rate of 0.01% and is calculated based on the actual period of storage of money.
• The owner can count on payment of interest only at the end of the certificate's validity period.
• Transactions with securities can only be carried out in the personal presence of the client in the banking department that directly works with certificates. (Sberbank has about 10 thousand such branches).

To issue a security, the client must:

1. Contact the Sberbank branch that carries out transactions with savings securities. You must have an identification document with you.
2. Decide on the number of certificates he wants to purchase, choose the terms and denomination.
3. Pay for the certificate. This can be done either in cash or through a deposit kept in the bank.
4. Receive a security in your hands.

Certificate details

The bearer certificate form must be completed accordingly. The absence of any information makes it invalid. When registering a security with Sberbank, the client must carefully check the completion of all details:

• In the “Name” column you must indicate “Certificate of Deposit to Bearer”;
• The reason for issuing the paper is the client’s deposit of cash savings;
• Date of deposit;
• The deposit amount for which the document is drawn up must be indicated both in numbers and in words;
• The bank's obligation to return the amount that was made as a deposit unconditionally is noted;
• The date when the beneficiary will claim the amount under the monetary document;
• Interest rate, established by Sberbank for using the deposit;
• The amount that the client will receive upon expiration of the security term;
• Full name and address of the institution that issues the certificate;
• On the bank’s part – signatures of employees who have the authority to approve obligations, sealed with the seal of Sberbank.

Interest in 2017 on Sberbank savings certificates

As of July 2017, Sberbank established the following interest rates on savings certificates:

Validity period of the security (days)	Deposit amount (rubles)/annual interest rate (%)
	10 thousand - 50 thousand	50 thousand - 1 million	1 million - 8 million	8 million - 100 million	More than 100 million
From 91 to 180	0,01	6,00	6,80	7,45	7,85
From 181 to 365	0,01	6,35	7,15	7,80	8,20
From 366 to 730	0,01	6,35	7,15	7,80	8,20
From 731 to 1094	0,01	6,35	7,15	7,80	8,20
1095	0,01	6,35	7,15	7,80	8,20

Payment of interest on savings deposit carried out by the bank upon expiration of the certificate, that is, simultaneously with the repayment of the obligation.

Sberbank provides for the transfer of a security by its owner to another person. This can only be done during the validity period of the deposit. Thus, the depositor has the right to give the certificate to one of his relatives or friends.

The transfer procedure does not provide for the conclusion of additional agreements or the implementation of transfer records. It is enough to simply present the certificate to a specific person.

Features of the Sberbank savings certificate

The investor needs to pay attention to the following important points:

1. A security carries an increased risk when stored at home. In case of loss, the depositor loses the opportunity to exercise his rights under the deposit. Any other person can convert the certificate into cash without claims from the banking institution.
2. In the event of a bank bankruptcy or license revocation, the owner will not be able to immediately access his funds, since the certificates are not insured in the deposit system of individuals. The depositor who kept his funds on deposit will be placed in the general queue of creditors of the banking institution.
3. Sberbank within some credit programs accepts a savings certificate as collateral for a loan. The security is considered a highly liquid collateral for loans issued for short periods.
4. The procedure for registering and repaying an obligation can only be carried out in certain Russian offices of Sberbank.

To minimize risks, Sberbank offers its clients to use free service responsible storage of a certificate of deposit. To do this, an agreement is concluded in accordance with the established procedure, according to which the paper is stored in a banking institution.

Restoration of rights

In case of loss of a security, the investor can restore his rights to it in judicial procedure. The procedure is carried out at the place where the certificate is issued. The client will be required to submit a corresponding statement, on the basis of which the court will make a decision to invalidate the paper. The applicant thus becomes entitled to issue a new certificate.

Certificate Holder Services

Transactions with Sberbank securities are not carried out in every branch. To pay for certificates, the client must contact structural subdivision a bank that specializes in working with this type of obligation, namely an additional office, a cash desk that conducts operations outside the cash desk of the territorial institution. The list of branches can be found on the official website of the bank.

The client must have with him a passport of a citizen of the Russian Federation or some other document proving his identity, and also present the security itself.

A Sberbank certificate for individuals is a security issued to bearer. In 2019, a savings (deposit) certificate, like a deposit, is used by clients of Sberbank of Russia to store and increase funds with a return significantly higher than on deposits.

The interest rate of the Sberbank Savings Certificate in 2019 is higher than that of the deposit. One of the reasons for this is that all deposits of bank individuals participate in the deposit insurance system, and certificates are not subject to insurance. This must be remembered, although the likelihood is that central bank The Russian Federation may deprive Sberbank of Russia of its license, not great.

A Sberbank savings certificate is issued to bearer, so it is convenient to use not only for saving money, but also as a gift.

A certificate of deposit from Sberbank of Russia can be:

• - give as a gift to friends or relatives (the certificate is not personal - just give it);
• - leave it in the bank for safekeeping (the service is free).

A Sberbank savings certificate for pensioners can be convenient because it can be easily passed on by inheritance. If the certificate of deposit is kept by the owner, there is no need to draw up a will; it is enough to transfer it into the hands of the heir. If a security is deposited with a bank, in order to receive it, the heir must present a certificate of inheritance.

If the Certificate of Deposit has become unusable, for example, accidentally washed or torn, you must bring what is left of it to the bank. The security will be submitted for examination, and if it is successful, the owner will be issued a duplicate or paid money.

But at the same time, you must remember that if you have lost the Certificate of Deposit of Sberbank of Russia, then the ownership rights to it can only be restored through the court!

Sberbank savings certificate in 2019: rates and conditions

Deposit term: 91 days (3 months) - 1095 days (3 years);

Minimum deposit amount: 10,000 rubles;

Replenishment: not provided;

Partial withdrawal: not provided;

Interest is calculated at the end of the term;

Extension: not provided.

Sberbank certificate: interest rate in 2019

Interest on the Savings (Deposit) Certificate of Sberbank of Russia ranges from 0.01 to 7.10% in rubles, depending on the amount and term of the deposit.

Denomination rub	91-180 days	181-365 days	366-730 days	731-1094 days	1095 days
from 10 thousand up to 50 thousand
from 50 thousand up to 1 million
from 1 million up to 8 million
from 8 million up to 100 million
from 100 million

There are many different tools available for retirees to maintain their work savings. In 2016, most often these instruments are deposits. But more and more people are offering such a way to save money as a savings certificate under favorable interest rates. Moreover, Sberbank is most active in promoting this instrument.

What it is?

A savings certificate is a security. This security indicates the amount of money deposited by its owner into the bank, as well as the period after which the owner of the paper will receive his money and interest. All these funds must be received from the bank that issued this certificate.

There are two types of certificates:

• nominal;
• to bearer.

IN in this case The last type of this security is considered. It can be transferred by its primary owner to another person, and at the appointed time the bank will be obliged to pay all funds due under the certificate to its bearer.

Interest

According to Sberbank, the interest on the certificate is higher than the interest on a regular deposit.

The table shows these percentages.

Amount, rub.	3 – 6 months	6 months - 1 year	From 1 year to 2 years	From 2 to 3 years	Over 3 years
1-50 thousand	0.0001	0.0001	0.0001	0.0001	0.0001
50 thousand-1 million	0.0695	0.0735	0.0765	0.079	0.0795
1-8 million	0.0775	0.0815	0.0845	0.087	0.0875
8-100 million	0.084	0.088	0.091	0.0935	0.094
>100 million	0.09	0.094	0.097	0.0995	0.1

Indeed, if you compare these rates with the interest given by Sberbank on its own high contribution "Save", it turns out that, for example, for fairly common deposit amounts from 100,000 rubles to 2 million rubles, this deposit can bring a profit of 6.05-6.4% per annum for 3 months and 6.65-7% for 3 years.

A savings certificate with the same investments gives, respectively, 6.95-7.75% per annum for a period of 3 months and 7.95-8.75% per annum for an investment period of 3 years.

For investments over 2 million rubles, interest on the deposit does not increase, but interest on a savings certificate increases and reaches 10% per annum for 100 million rubles.

Thus, from the point of view of making a profit, investing in this valuable document has advantages over a deposit for relatively large amounts.

It should be noted that the increased percentage of profit on the certificate is due to the fact that the funds invested in it are not subject to deposit insurance. Therefore, when a bank’s license is revoked, no insurance payment is due.

Considering that the probability of revocation of the license of the base bank of the Russian Federation, which is Sberbank, is almost zero, we can assume that the insurance of the DIA system in this case does not play a special role.

However, there are other banks that issue these securities. And in such cases, before purchasing them, it is important to weigh all the circumstances and the reliability of the bank.

Advantages

The main advantages of Sberbank savings certificates are:

1. High interest rates.
2. Security mobility.
3. No personal income tax.

The portability of the certificate lies in the fact that it can be transferred to another person without drawing up any documents.

Thanks to this quality, the certificate is convenient for elderly pensioners.

For such persons, if they have a savings certificate, there is no need to draw up any will. It is enough to pass it on to the heirs.

In addition, such a certificate can be given as a gift, for example, for a wedding or coming of age. This security can be used when obtaining a loan or in real estate transactions.

Flaws

Savings certificates have the following disadvantages:

• lack of deposit insurance;
• a complex system for restoring rights for a lost certificate;
• storage complexity;
• lack of possibility of additional contributions, partial withdrawal of money without loss of interest, extension.

You can restore your rights to a stolen or lost certificate only through court. In this case, there is a certain procedure that lasts quite a long time. At the same time, it is quite difficult for the secondary owner to prove his rights to the certificate.

The certificate represents plain paper having protection. However, this paper may be stolen, lost or damaged.

For its safety, the bank offers free storage. But in this case, the certificate will no longer be so mobile, and, in addition, the heirs of the deceased pensioner will be able to receive it only after assuming the rights of inheritance.

If necessary partial withdrawal money you have to cash out the certificate ahead of schedule. In this case, you can only get 0.01%. The absence of automatic extension requires re-registration, otherwise no interest will accrue on the money.

conclusions

1. To store savings, pensioners can use a savings certificate, the interest on which is higher than the interest on the deposit.
2. Since it is issued to the bearer, it can be transferred to your heirs without a will, or used as a tool when obtaining a loan or real estate transactions.
3. The disadvantage is the lack of insurance, difficulties in storage, restoration of rights, and partial withdrawal of funds.

Sberbank savings certificate for pensioners in 2016, what is the interest?

An alternative to a deposit deposit is such a savings account banking product, like a Sberbank certificate (registered or bearer), which is a reliable tool for saving and increasing funds. Storing your savings using this method has its advantages and disadvantages that should be considered before investing in this type of security.

What is a Sberbank bank certificate

One of the varieties monetary instruments confirming the fact that an individual or legal entity has placed funds for storage in a bank is a certificate from Sberbank. Deposits of individuals are confirmed by a savings certificate, and of legal entities - by a deposit certificate. The main details of this type of securities are the amount of the deposit (face value) and the period of storage of funds, after which the bearer will be paid the entire amount, taking into account the interest due.

Savings certificate

Sberbank offers its clients several options for placing temporarily free funds in order to increase them. One of the types bank deposits for the population is a savings certificate. For individuals Those who seek to increase the amount of accumulated capital should know what a Sberbank savings certificate is in order to take advantage of the opportunity to invest money at a high interest rate.

The presence of a banking product with a profitability significantly higher than the profitability of ordinary deposits is explained by the absence of mandatory insurance requirements for this type of deposits. Payment of funds accepted for storage and accrued interest on the certificate is carried out after its expiration. The opportunity to cash the certificate is provided to the person who presented it.

Sberbank deposit certificate

One of the ways to attract funds from legal entity clients is to issue certificates of deposit. You can purchase a savings certificate only by non-cash payments by transferring funds from a current account opened with Sberbank or another financial institution. Unlike forms strict reporting issued to the bearer, a registered security can be cashed only by presenting a certificate by the person indicated on the form, and in the case of assignment (assignment of the right of claim) - by the assignee.

Distinctive features

There are two types of deposits for which interest is accrued on the amount of funds held in safe custody by the bank - a purchased certificate and a deposit. Choose the appropriate way to save capital at the most favorable conditions A table summarizing the differences between the two types of banking products will help:

	Certificate in Sberbank	Deposit
Maximum interest rate (% per annum)
Possibility of replenishment	Not provided	Provided
Investment insurance	Not insurable	Compulsory insurance
Interest payment	Issued upon expiration	It is possible to withdraw the interest amount monthly
Possibility of extension
Who has the right to cash out	Bearer	Account owner
Deposit currency	Only rubles	Rubles, dollars, euros
Where does the payment take place?	In any division of Sberbank in which transactions with securities are carried out	Only in the branch where the bank deposit was made

Sberbank bearer certificate

The bank's obligation to pay the amount of funds deposited by the client to the person who presents a document confirming the right to receive the deposit is called a bearer certificate. This type of securities does not contain information about the person who purchased the bank obligation. Payments of invested funds and accrued interest occur on the basis of the presented passport and the original certificate form.

Registered securities

Unlike securities issued to bearer, registered securities are issued to a specific person. The holder of this type of certificate can only be entity or individual entrepreneur. By purchasing a personalized certificate, the client has the opportunity to use it as collateral when drawing up a loan or guarantee agreement. To receive a personal form, you must join the Conditions under which documents of this type are issued.

Pros and cons of a savings certificate from Sberbank

Bank clients, when planning to invest funds, must take into account all the positive and negative points acquisition of savings-type securities. The advantage of this method of storing funds is:

• high level profitability (rates are higher compared to other types of deposit products);
• convenience of the registration procedure (with minimal package documents);
• You can cash out your deposit simply and quickly at any branch of a banking institution;
• the ability to transfer and donate a form for the right to receive a deposit to third parties;
• the convenience of using this method of storing money for pensioners.

The disadvantages of savings certificates are that:

• they do not participate in the deposit insurance system, which can lead to a loss of income in the event of bank bankruptcy (although for Sberbank these risks are minimal);
• they can be cashed by anyone upon presentation of a passport and a form issued by the bank, which can be taken advantage of by criminals;
• the depositor's right to early cash withdrawal leads to the loss of accrued interest (which can be avoided by complying with the bank's conditions);
• It is impossible to extend the storage period and replenish the deposit.

Under what conditions can it be opened?

In order to take advantage of this type of deposit, such as purchasing a certificate, the client must comply with the following conditions:

• have a citizen's passport Russian Federation;
• decide on the number of securities to be purchased;
• choose the term and denomination of the document confirming the right to receive the deposit (on which the interest rate will depend);
• have the declared amount of cash (or have a current account opened with Sberbank containing the required amount).

Interest on Sberbank certificate for today

The level of return on invested funds depends on the amount of the deposit and the period for which the client transfers the money to the bank for safekeeping. Maximum bets can be obtained by submitting documents for a large sum and maximum shelf life. The table contains data about current rates:

Maximum deposit amount (RUB)	Deposit term/yield (% per annum)
		181-365 days	366-730 days	731-1094 days
Over 100,000,000

Minimum and maximum deposit amount

Registered securities and strict reporting forms payable to bearer do not have a set maximum for depositing funds in a bank. The minimum amount for a personal certificate is 100,000 rubles, for one issued to bearer – 10,000 rubles. The level of profitability increases with an increase in the size of the deposit, but amounts exceeding 100 million rubles do not imply an increase in the rate beyond the established one maximum value at 7.2%.

Possibility of replenishment

Sberbank does not provide the service of replenishing a deposit before its expiration. This limitation is due to the fact that the certificate is a security and has all its inherent characteristics, i.e. to each separate document corresponds to a specific form with an assigned serial number and denomination. Change specified details is not possible in accordance with the established rules for the circulation of securities. You can invest additional amounts of funds only by purchasing new forms.

Early repayment

Sberbank provides persons who have made a deposit in the form of the purchase of securities with an early payment service. However, if you take advantage of the owner’s right to repay the certificate early, you will have to lose all accrued interest and can only count on a rate of 0.01% per annum. Interest is calculated (at the rate of 0.01%) by Sberbank on the amount of invested funds for the period of their actual storage.

Deposit term

A bank's obligation to store and pay out funds in Sberbank can be issued for a period from 91 days to 3 years, with the highest level of profitability for deposits that the bank keeps for the longest period. Invested funds with accrued interest can be received after the end of the period specified in the form. An obligation form presented for payment before the established time is the reason for recalculating the interest on it as on a demand deposit.

How to issue a Sberbank bearer cash certificate

In order to purchase a banking product in the form of a savings-type security, you must complete the following steps:

1. Go to the nearest Sberbank branch (you can first submit an application for registration using the Sberbank online service).
2. Receive a coupon for making a deposit.
3. Select the appropriate conditions for issuing a certificate at Sberbank and voice them to the institution’s employee.
4. Pay the face value of a security by depositing cash into the cash desk or by transferring the required amount from the current account.
5. Obtain a form from a Sberbank representative (if necessary, the bank can store securities for a fee based on a storage agreement).

Voucher for deposit registration

Customer service at the Sberbank office is carried out on an electronic queue basis. Reserving a place is done by receiving a coupon, which contains a code consisting of a letter and numbers. The coupon is issued by a special device - a terminal located next to the entrance to the bank. Visitors to Sberbank can issue a coupon by indicating the purpose of the visit or the essence of the issue of interest. If necessary, you can use the help of a consultant.

Registration and payment of the certificate at a Sberbank branch

The procedure for obtaining a form at a Sberbank branch does not take much time. You can buy securities in a few minutes, during which you will need to fill out an application and deposit money into the cash register. The obligation is drawn up by a bank specialist who fills out a form based on the application, after which all data is submitted for reconciliation. After reviewing the papers, the client puts his signature on the spine of the check and pays the denomination indicated in the documents. After depositing the money, the form is handed over to the holder, and the check remains in the bank as confirmation of the transaction.

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