Today at exactly five o'clock in the morning the bell rings. A cheerful girl's voice: “Is this Andrei Viktorovich? Are you comfortable talking?”

Is it convenient for me to talk?!

I ask who it is. It turns out, Sberbank. I say: it’s night here, and it’s actually a little early for you too. The girl was delighted: “So, you’re asking me to call you back at a time convenient for you?” Apparently, they have to put a tick in a certain place: the client asks to call back. I disconnect from the idiot and try to sleep.

Can't sleep. Actually, I called them yesterday and asked them to sort out one matter. Apparently, the girl wanted to report the results. I shouldn’t have listened to her, I think.

In general, it seemed to me that Sberbank Lately began to improve. I liked that instead of a crowd at the window there are now coupons and chairs where you can wait your turn. The type of aunts from the housing office has been replaced by modern young people. You can be served in any department, not just the one to which you are assigned. Some transactions can be carried out independently, at their ATMs or over the Internet. And so on.

I have several accounts with Sberbank, including a deposit account. The percentage is small, but what can you do, it’s more reliable than in other places. Sberbank VISA card I pay everywhere, in all countries, and I immediately receive an SMS telling me how much I spent and how much is in my account. And so on. I save money on Italian accounts, but not on Russian ones, I live freely.

In November-December, when bad news began to arrive from the Russian banking sector, I thought it was time to put my eggs in different baskets. A friend of mine bought an apartment in Italy some time ago, for which he had to open an account in an Italian bank and transfer money from Russia for the transaction. I asked if it was easy to do. He says: very easy. You come to the tax office, fill out the form “Notification of opening an account abroad”, you receive a stamp on the completed form that they are aware, and with this piece of paper you come to any bank and transfer.

I treated this information with distrust. I called the general help desk of Sberbank. Everything was confirmed to me. I ask: can I transfer from any department? They say: in Moscow - from anyone. Is the amount limited somehow? - Not limited!

Nevermind, I think, and they are also crying that billions are leaving the country.

On new year holidays My family and I were planning a trip to Moscow. I approached the matter thoroughly. In order not to show the government account his accounts, he specially opened a new account in an Italian bank. I downloaded the “Notification” form from the Federal Tax Service website. I went with this form to my banker, translated the questions that concern him, so that he himself filled out the appropriate columns: full name of the bank, bank address, agreement number bank deposit, date of conclusion of the agreement, SWIFT bank, account (deposit) number.

On December 28 I came to the tax office in Moscow. Despite Saturday, they worked. Everything went like clockwork. Parking on the Garden Ring became paid, so I parked right at the door of the tax office, paid, entered and found that there was not a single visitor there. The girl checked that the papers were filled out correctly, slapped the seal, and made a copy for herself. Within 15 minutes I was at the door of Sberbank on Tsvetnoy Boulevard. The same story: paid parking, free space at the door, beauty.

There was no longer beauty inside. There are a lot of people. Their system issuing coupons is broken. There were queues at two windows. He defended his own. Terrible stuffiness. I ask the young man if I can transfer money from my Sberbank card account abroad. Reluctantly he says so: you can. I name the amount. No, he says, you can’t. Why, I say, I called the help desk. No, he answers, such an amount can only be paid at the branch where you received the card. And so no more than one and a half million. “If you had an account opened in our branch, then please - as much as you want.” And waits for me to leave. But I don't want to leave. “Open an account for me, I say, I’ll transfer money there from a card account, and you send it.” He looks at me, doesn’t know what to answer. "How long will it take to open an account?" - “Ten minutes.” - “How about transferring money? A day?” - “No, they will be listed right away.” In short, we do all this with a young man. It took, of course, not ten minutes, but half an hour. The unfortunate people in line, breathing down my neck, are starting to noticeably worry: they came to pay their housing and communal services, but here I am stuck. In the air they fly from me to the young man and back large sums, still audible. They don’t like the queue amounts, they discuss them.

But at the very least, we managed. The young man ran inside and brought the boss: “Do you have a notice marked tax office?” The boss is fully confident that I have no notice. "Eat!" - I say and take out the notification. They study it carefully. There is nothing to do, they photocopy the notification, my passport, and the details that were given to me by the Italian bank. They draw up paperwork first for conversion, then for transfer. All is ready. They even take your mobile number - just in case. And I'm leaving for the dacha. On the way, I receive an SMS: the money has left my account.

A week passes, then another. I returned to Italy a long time ago. There is no money in the new Italian account. Well, I think, holidays, this and that, first they have Christmas, then we have Christmas, a lot of days off. When three weeks have passed and the money has not arrived, I write to the Italian bank and attach a scan of the SWIFT payment. I had not worked with this bank before and was completely sure that there was some kind of disorder with them, the money had fallen somewhere. They answer immediately: they checked, nothing even similar came, and the details were specified correctly. I'm trying to call the Sberbank branch in Moscow, where I made the transfer from. Long beeps. Nobody picks up the phone all day. I called the general help desk of Sberbank to find out if their phone number has changed. No, they say, he hasn’t changed. At the same time, I’ll state my problem. They start connecting me with different people along the chain, finally someone formalizes my claim: I say that I live permanently abroad, so I don’t have the opportunity to run around the branches in Moscow, I tell them my full name, my account number, the number of the failed transaction, where, where from and what he sent. They promise to sort it out and call back.

They don't call back all day. Without hope of success, at the end of the day I dial the department’s number and am connected right away. The young lady looks at her papers and says indifferently: the transfer did not pass the exchange control. "What kind of exchange control?" - " Currency control Sberbank." - “What’s the matter?” Rummages through the papers. “You entered the account number incorrectly.” “It can’t be,” I say. The Italian bank has just confirmed to me in writing that all the details on the payment slip are correct." Again he rummages through the papers. "You have, he says, one account number is indicated in the tax notice, and another in the payment slip." "Excellent, I say, I have all these papers in my hands. Let's check." Let's start checking.

It turns out that in the column “Account (deposit) number” in the notification, the account number consists of 12 characters, and the IBAN is indicated in the payment, consisting of 27 characters. This is the discrepancy.

“Girl, I say, the account number is part of the IBAN. Look, the last twelve digits of the IBAN are my account number. See? And the IBAN begins with IT - Italy, that means. Then digital designation bank, and then only my account number. Do you recognize? This is the same account." "Why didn't you indicate the IBAN in the "notification?" - "Because they don't ask you to name the IBAN. They ask for your account number. And I indicated the account number. And exactly as it is written in mine bank documents and as it is written in my agreement with the bank, which I presented to the tax office. If I had written something else there, probably the tax office would not have missed it." - "I didn't understand anything." - "Let's do it again. In your bank there is a column: “IBAN” - I indicated the IBAN, and in the notification for the tax office there is another column: “account (deposit) number”, so I indicated the account (deposit) number. What's wrong?" - "I really sympathize with you, but I can't do anything, you've been refused." - "Why didn't you call me? Why did you take my mobile number? I spent more than two weeks in Moscow, I would come to you and add to the 12 digits of the account everything that is missing from the IBAN."

And at that moment my mobile phone rings: I recognize it by her voice, it’s the idiot of the night. “Andrey Viktorovich, is it convenient for you to talk?” She definitely follows the cheat sheet. "Comfortable!" - “In order to begin checking your application, we must know your passport number. Please tell us your passport number.” - “It’s on your computer!” - “That’s why I’m calling you, to make sure that it was you who called us yesterday.” - “And I want to make sure that it was you who called me at night. Was it you?” - "I". - “And you called me just to ask for my passport number?” - "Yes". - “You know, I called the department and they explained to me what was going on.” - “So you have no complaints against us?” - "Eat!" - “Please tell me your last name, first name and patronymic to file a claim.” - “You just said my last name, first name and patronymic!” - “Yes, but to file a claim you must give your last name, first name and patronymic.”

That's it, this was the last straw.

The next trip to Moscow will mean the closure of all accounts in Sberbank - mine and my wife's, including deposit ones. And the point is not that I was offended by them. No, the considerations are purely practical. Firstly, it is customary all over the world to immediately pull the claws out of such a bank when the first signs appear that the bank does not want to part with the client’s money. And without delay, sometimes being an hour late can have serious consequences. Secondly, life has taught me: you can’t waste time fighting the scoop. If a scoop suddenly appears ahead in all its glory (sometimes this happens quite unexpectedly, when you really don’t expect it at all), it is better to change the direction of movement, cross to the other side of the street, or just close your eyes and be silent for a while. In general, it is advisable to break all connections through which the scoop can reach you. Which is basically what I have been doing for the last five years. The time has come to break with the Soviet banking system.

The history of Sberbank of Russia began 170 years ago, in the 19th century. For almost two centuries, the bank has gained the status of the country's largest financial institution.

Today, its branch network is considered unique - it has more than 20 thousand branches and branches throughout Russia, Kazakhstan, Ukraine, Belarus, Germany and India. A representative office has been registered in China.

By organizational structure Sberbank Russian Federation is a joint stock company commercial bank. It was established Central Bank Russian Federation as Joint-Stock Company open type and registered in Central Bank Russian Federation June 20, 1991. The governing bodies of the Savings Bank include: general meeting shareholders, the Board of the bank, the Board of Directors of the bank, the President of the Savings Bank. The competence of the bank's management bodies is defined in its Charter.

Sberbank today is modern universal bank, which offers a wide range of services to all customer groups, is actively involved in social and economic life countries.

Sberbank of the Russian Federation provides its clients with more than 100 types of various services, both traditional, related to attracting funds on deposits, lending, settlement and cash services, and relatively new for the bank - dealing, operations with stock values, intermediary, etc.

Sberbank of Russia is largest bank Russian Federation and CIS. Its assets at the end of 2014 amounted to more than a quarter banking system country (26.8%), and the share in bank capital is at 29.1%. Founded in 1841, Sberbank of Russia today is a modern universal bank that meets the needs of various groups of clients in a wide range banking services. Sberbank occupies the largest share in the deposit market and is the main lender Russian economy. Attracting funds from private clients and ensuring their safety is the basis of Sberbank’s business, and the development of mutually beneficial relationships with depositors is the key to its successful work. At the end of 2014, 46.6% of those stored in Russian banks citizens' savings are entrusted to Sberbank.

Sberbank continued to work to improve the quality of customer service. Sberbank's most significant service remains accepting payments from the public. Their volume for the year exceeded 1.8 trillion. rub., total quantity accepted payments almost reached 1 billion. The share of payments accepted using billing technology exceeded 74% of the total volume of payments accepted by the Bank.

Sberbank of Russia has a unique branch network: Currently it includes 17 regional banks and about 19 thousand branches throughout the country. By 2014, Sberbank plans to increase its share to 5-7% net profit received outside of Russia. Subsidiary banks of Sberbank of Russia operate in Kazakhstan, Ukraine and Belarus. In accordance with the Development Strategy, Sberbank of Russia expanded its international presence by opening a representative office in Germany and a branch in India, as well as registering a representative office in China. At the end of 2014, Sberbank closed the acquisition of SLB Commercial Bank AG, renamed Sberbank (Switzerland) AG. In January 2012, the bank completed the acquisition of Troika Dialog, the largest Russian investment company. After the acquisition of Volksbank International, the structure of Sberbank included divisions in 9 countries of Central and of Eastern Europe. In August, Sberbank created a joint bank in the point-of-sale lending market with Cetelem (BNP Paribas Group). In September 2012, Sberbank acquired 99.85% of the shares of DenizBank. This landmark deal became the largest acquisition in the bank's 170-year history.

The integration of the business of Troika Dialog, renamed Sberbank CIB, allowed Sberbank to reach a new level of relationships with clients, offering them highly professional financial advice and choice investment strategies, having full spectrum modern financial instruments- from traditional for the Bank credit products to complex structured investment banking products and global markets. As a result of the merger of two complementary businesses in Russian financial market an undisputed leader has emerged.

In 2014, Sberbank was recognized as the most valuable Russian brand, entered the list of the world's largest corporations based on the results of 2013, and became the third bank in Europe by capitalization.

In April 2014 rating agency Fitch Ratings has upgraded Sberbank's individual rating from C/D to C. According to agency analysts, the increase in the Bank's individual rating reflects the stabilization of the operating environment in Russia, the quality of assets and the profitability of the bank itself.

Types of foreign exchange transactions performed by Sberbank of Russia OJSC:

1) Opening and maintaining foreign currency accounts for clients. This operation includes the following types:
- - opening foreign currency accounts for legal entities (residents and non-residents); individuals;
- - accrual of interest on account balances;
- - provision of overdrafts (to special clients by decision of the bank management);
- - provision of statements as the transaction is completed; creating an archive of invoices for any period of time;
- - carrying out operations, by order of clients, regarding funds in their foreign currency accounts (payment of documents provided, purchase and sale of foreign currency at the expense of clients’ funds);
- - control over export-import operations.
2) Sberbank of Russia OJSC offers banks a wide range of services for conducting banknote transactions:
- - purchase and sale of cash foreign currency for non-cash foreign currency or non-cash rubles;
- - acceptance of old and non-payment cash foreign currency, currency going out of circulation;
- - acceptance of cash foreign currency for collection;
- - delivery or receipt of cash foreign currency to any region(s) of the Russian Federation on a door-to-door basis.

Delivery of cash foreign currency is possible.

To cooperate, legal entities must sign an Agreement on general conditions carrying out cash purchase/sale transactions Money and operations of accepting cash foreign currency for collection.

All currency exchange transactions exceeding the amount of 15,000 rubles are carried out upon presentation of an identification document.

To purchase foreign currency and credit it to a special foreign currency account, you must submit:

- documents for opening a special account;
- an application for the purchase of foreign currency over the counter foreign exchange market.

Purchased foreign currency credited to a special foreign currency account can be accumulated and stored on it for 7 working days, starting from the day following the day of its crediting.

In case of non-use of the purchased foreign currency before the expiration established deadlines its storage in a special account or until the expiration of these terms after the return of the foreign currency previously transferred from the special account to the subject of foreign exchange transactions - a resident, the subject of foreign exchange transactions - a resident is obliged to sell this foreign currency to the bank on the exchange or over-the-counter foreign exchange market.

In the absence of special foreign currency account to store purchased foreign currency, as well as in order to save time for conducting foreign exchange transactions and reducing the documents submitted to the bank, the client can make a bank transfer with the purchase of foreign currency.

To make transfers with purchases, you do not need to open a special account. When carrying out such operations, a payment order, which combines information about the conditions of the currency exchange transaction and details bank transfer.

The bank independently debits Russian rubles from the client’s account, and the foreign currency under the transaction is sent to the beneficiary of the funds specified in the payment order.

To conclude a transaction for the sale of foreign currency on the over-the-counter foreign exchange market with Sberbank of Russia OJSC, if the client’s foreign currency account is opened in another bank, it is necessary to submit an Application for the sale (conversion) of foreign currency and transfer the foreign currency to be sold to the bank account.

If a foreign currency account is opened with Sberbank of Russia OJSC, foreign currency sales transactions are carried out through a bank transfer with sale. When carrying out such operations, a payment order is issued, which combines information about the conditions of the currency exchange transaction and bank transfer details.

The bank independently debits the foreign currency to be sold from the client’s account, and sends Russian rubles for the transaction to the details specified by the client in the payment order.

3) Non-trading operations. OJSC Sberbank of Russia carries out the following types of this operation:
- - purchase and sale of cash foreign currency and payment documents in foreign currency;
- - collection of foreign currency and payment documents in foreign currency;
- - issues and services plastic cards for bank clients;
- - makes payments for cash letters of credit and issues similar letters of credit.

Non-trading operations, by section individual species, have become widespread to provide clients with a wider range of banking services, which plays an important role in the competition with other commercial banks to attract clientele. Without operations, namely making transfers abroad, paying and issuing letters of credit, day-to-day work with clients is almost impossible. The operation of buying and selling cash currency is one of the main non-trading operations of Sberbank of Russia OJSC.

Establishment of correspondent relations with foreign banks. This operation is a necessary condition for the bank to carry out international payments. Making a decision to establish correspondent relations with one or another foreign bank should be based on the real need to service the regular export-import transactions of the clientele.

Conversion operations. Conversion transactions are transactions of purchase and sale of cash and non-cash foreign currency (including currency with limited conversion) against cash and non-cash rubles of the Russian Federation.

Sberbank of Russia is an active participant in Russian and international money market and conducts conversion operations with more than 20 types of currencies: Russian ruble (RUB), US dollar (USD), single European currency (EUR), Australian dollar(AUD), Belarusian ruble(BYR), Canadian dollar (CAD), Swiss frank(CHF), Chinese Yuan (CNY), Czech crown(CZK), Danish krone (DKK), Estonian kroon(EEK), english pound sterling (GBP), Japanese yen(JPY), Kazakh tenge (KZT), Lithuanian litas (LTL), Latvian lats (LVL), Norwegian krone(NOK), Polish zloty(PLN), Swedish krona (SEK), Ukrainian hryvnia(UAH), clearing Indian rupee, dollar for settlements with India.

Sberbank offers:

- transactions with value dates from 1 day to one year;
- flexible price conditions for transactions;
- individual approach;
- execution of orders at the current exchange rate when performing transactions on the MICEX;
- carrying out transactions for any amount;
- the ability to hedge currency risks using derivatives market instruments.

Sberbank of Russia conducts conversion operations:

- with resident banks - on the basis of the Agreement on the general conditions for conducting bilateral transactions in the interbank market;
- with non-resident banks that have a risk limit (in this case, a signed Agreement is not required);
- with non-resident banks for which there is no risk limit - on an advance payment basis and on the basis of the Agreement on the general conditions for conducting bilateral transactions in the interbank market.

In foreign trade The following forms of payment are used: documentary letter of credit, documentary collection, bank transfer.

OJSC “Sberbank of Russia” undertakes the obligation to present the documents provided by the principal to the payer (importer) for acceptance and receipt of money (documentary collection).

When using bank transfers in settlements, all foreign currency earnings are credited to transit accounts in authorized banks. After its receipt in the transit foreign exchange account, the order to transfer the received amount or part of it to the current account also indicates the sale of a part of the export proceeds on the domestic foreign exchange market in the order of mandatory sale.

If the client's account from which the foreign currency subject to conversion will be debited is opened at Sberbank of Russia OJSC, foreign currency conversion transactions are carried out through a bank transfer with conversion. When carrying out such transactions, a payment order is issued, combining information about the rate of the currency exchange transaction and details for the transfer of foreign currency received under the transaction.

To carry out the conversion of foreign currency, if the client’s foreign currency account is opened in another bank, it is necessary to submit an Application for the sale (conversion) of foreign currency and transfer the foreign currency to be converted to the bank account.

7) Operations to attract and place foreign currency funds by the Bank. These operations include the following types:
- - attracting deposits from individuals and legal entities, including interbank deposits;
- - issuing loans to individuals and legal entities;
- - placement of loans on the interbank market.

The Bank attracts foreign currency funds from legal and individuals formalized by a deposit agreement.

These operations are the main ones for Sberbank of Russia OJSC both in terms of profitability and importance in servicing the bank’s clients.

The types of foreign currencies with which transactions are carried out are presented in Table 2

Table 2 - Types of foreign currencies with which transactions are carried out at Sberbank

Currency code	Currency name	Country of origin

		European Community
	Australian dollars	Australia
	Canadian dollars
Currency code	Currency name	Country of origin
	Swiss francs	Switzerland
	Danish kroner
	UK pounds sterling	Great Britain
	Japanese yen
	Norwegian kroner	Norway
	Swedish crowns
	Singapore dollars	Singapore
	U.S. dollars

Sberbank actively conducts operations on the international currency exchange and is one of the largest operators for banks in the CIS and Baltic countries, legal entities and individuals - residents and non-residents of the Russian Federation.

The main areas of work in this market are the following:

Conversion operations. The bank's specialists provide assistance in choosing a strategy for hedging currency risks inherent in export-import transactions.

Currency exchange transactions with legal entities and individuals.

International settlement transactions related to the export and import of goods and services.

graduate work

2.1 The mechanism for performing foreign exchange transactions at Sberbank

The history of Sberbank of Russia began 170 years ago, in the 19th century. For almost two centuries, the bank has gained the status of the country's largest financial institution.

According to the organizational structure, Sberbank of the Russian Federation is a joint-stock commercial bank. It was established by the Central Bank of the Russian Federation as an open joint-stock company and registered with the Central Bank of the Russian Federation on June 20, 1991. The governing bodies of the Savings Bank include: the general meeting of shareholders, the Board of the bank, the Board of Directors of the bank, and the President of the Savings Bank. The competence of the bank's management bodies is defined in its Charter.

Sberbank today is a modern universal bank that offers a wide range of services for all groups of clients and actively participates in the social and economic life of the country.

Sberbank of the Russian Federation provides its clients with more than 100 types of various services, both traditional ones related to attracting funds on deposits, lending, cash management services, and relatively new ones for the bank - dealing, operations with stock values, intermediary, etc.

Sberbank of Russia is the largest bank in the Russian Federation and the CIS. At the end of 2011, its assets accounted for more than a quarter of the country's banking system (26.8%), and its share in bank capital was at 29.1%. Founded in 1841, Sberbank of Russia today is a modern universal bank that meets the needs of various groups of clients in a wide range of banking services. Sberbank occupies the largest share in the deposit market and is the main creditor of the Russian economy. Attracting funds from private clients and ensuring their safety is the basis of Sberbank’s business, and the development of mutually beneficial relationships with depositors is the key to its successful work. At the end of 2011, 46.6% of citizens' savings stored in Russian banks were entrusted to Sberbank. Official website of Sberbank of Russia OJSC - http://www.sbrf.ru/moscow/ru/about/today/

Sberbank continued to work to improve the quality of customer service. Sberbank's most significant service remains accepting payments from the public. Their volume for the year exceeded 1.8 trillion. rub., the total number of accepted payments almost reached 1 billion. The share of payments accepted using billing technology exceeded 74% of the total volume of payments accepted by the Bank.

Sberbank of Russia has a unique branch network: it currently includes 17 territorial banks and about 19 thousand branches throughout the country. By 2014, Sberbank plans to increase the share of net profit received outside Russia to 5-7%. Subsidiary banks of Sberbank of Russia operate in Kazakhstan, Ukraine and Belarus. In accordance with the Development Strategy, Sberbank of Russia expanded its international presence by opening a representative office in Germany and a branch in India, as well as registering a representative office in China. At the end of 2011, Sberbank closed the acquisition of SLB Commercial Bank AG, renamed Sberbank (Switzerland) AG. In January 2012, the bank completed the acquisition of Troika Dialog, the largest Russian investment company. After the acquisition of Volksbank International, Sberbank's structure included divisions in 9 countries of Central and Eastern Europe. In August, Sberbank created a joint bank in the point-of-sale lending market with Cetelem (BNP Paribas Group). In September 2012, Sberbank acquired 99.85% of the shares of DenizBank. This landmark deal became the largest acquisition in the bank's 170-year history.

The integration of the business of Troika Dialog, renamed Sberbank CIB, allowed Sberbank to reach a new level of relationships with clients, offer them highly professional financial advice and a choice of investment strategies, having a full range of modern financial instruments - from traditional to Bank lending products to complex structured investment banking products and global markets products. As a result of the merger of two complementary businesses, an undisputed leader appeared on the Russian financial market.

In 2011, Sberbank was recognized as the most valuable Russian brand, entered the list of the world's largest corporations based on the results of 2010, and became the third bank in Europe by capitalization.

In April 2011, the rating agency Fitch Ratings upgraded Sberbank's individual rating from C/D to C. According to agency analysts, the increase in the Bank's individual rating reflects the stabilization of the operating environment in Russia, the quality of assets and the profitability of the bank itself.

Types of foreign exchange transactions performed by Sberbank of Russia OJSC:

1) Opening and maintaining foreign currency accounts for clients. This operation includes the following types:

Opening foreign currency accounts for legal entities (residents and non-residents); individuals;

Calculation of interest on account balances;

Providing overdrafts (to special clients by decision of the bank management);

Providing statements as the transaction is completed; creating an archive of invoices for any period of time;

Carrying out operations, at the orders of clients, regarding funds in their foreign currency accounts (payment of provided documents, purchase and sale of foreign currency at the expense of clients’ funds);

Control over export-import operations.

2) Sberbank of Russia OJSC offers banks a wide range of services for conducting banknote transactions:

Purchase and sale of cash foreign currency for non-cash foreign currency or non-cash rubles;

Acceptance of old and non-payment cash foreign currency, currency going out of circulation;

Acceptance of cash foreign currency for collection;

Delivery or receipt of cash foreign currency to any region(s) of the Russian Federation on a “door-to-door” basis.

Delivery of cash foreign currency is possible.

To cooperate, legal entities must sign an Agreement on the general conditions for conducting operations for the purchase/sale of cash and operations for accepting cash foreign currency for collection.

All currency exchange transactions exceeding the amount of 15,000 rubles are carried out upon presentation of an identification document.

To purchase foreign currency and credit it to a special foreign currency account, you must submit:

Documents for opening a special account;

An application to purchase foreign currency on the over-the-counter foreign exchange market.

Purchased foreign currency credited to a special foreign currency account can be accumulated and stored on it for 7 working days, starting from the day following the day of its crediting.

In case of non-use of the acquired foreign currency before the expiration of the established periods for its storage in a special account or before the expiration of these periods after the return of foreign currency previously transferred from the special account to the resident currency transaction subject, the resident foreign currency transaction subject is obliged to sell this foreign currency to the bank on the exchange or on the over-the-counter foreign exchange market.

In the absence of a special foreign currency account for storing purchased foreign currency, as well as in order to save time for conducting currency exchange transactions and reducing the documents submitted to the bank, the client can make a bank transfer with the purchase of foreign currency.

To make transfers with purchases, you do not need to open a special account. When carrying out such operations, a payment order is issued, which combines information about the conditions of the currency exchange transaction and bank transfer details.

The bank independently debits Russian rubles from the client’s account, and the foreign currency under the transaction is sent to the beneficiary of the funds specified in the payment order.

The bank independently debits the foreign currency to be sold from the client’s account, and sends Russian rubles for the transaction to the details specified by the client in the payment order.

3) Non-trading operations. OJSC Sberbank of Russia carries out the following types of this operation:

Purchase and sale of cash foreign currency and payment documents in foreign currency;

Collection of foreign currency and payment documents in foreign currency;

Issues and services plastic cards for bank clients;

Makes payments for cash letters of credit and issues similar letters of credit.

Non-trading operations, in the context of certain types, have become widespread to provide clients with a wider range of banking services, which plays an important role in the competition with other commercial banks to attract clientele. Without operations, namely making transfers abroad, paying and issuing letters of credit, day-to-day work with clients is almost impossible. The operation of buying and selling cash currency is one of the main non-trading operations of Sberbank of Russia OJSC.

4) Establishment of correspondent relations with foreign banks. This operation is a necessary condition for the bank to carry out international payments. The decision to establish correspondent relations with one or another foreign bank should be based on the real need to service regular export-import transactions of the clientele.

5) Conversion operations. Conversion transactions are transactions of purchase and sale of cash and non-cash foreign currency (including currency with limited conversion) against cash and non-cash rubles of the Russian Federation.

Sberbank of Russia is an active participant in the Russian and international money market and conducts conversion operations with more than 20 types of currencies: Russian ruble (RUB), US dollar (USD), common European currency (EUR), Australian dollar (AUD), Belarusian ruble (BYR) ), Canadian dollar (CAD), Swiss franc (CHF), Chinese yuan (CNY), Czech koruna (CZK), Danish krone (DKK), Estonian krone (EEK), English pound sterling (GBP), Japanese yen (JPY) , Kazakh tenge (KZT), Lithuanian litas (LTL), Latvian lats (LVL), Norwegian krone (NOK), Polish zloty (PLN), Swedish krona (SEK), Ukrainian hryvnia (UAH), clearing Indian rupee, dollar by settlement with India.

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Before considering the entire mechanism of foreign exchange transactions, it is necessary to note its order, i.e. procedure for opening foreign currency accounts...

Bank account agreement

According to Art. 854 of the Civil Code, funds are written off from the account by the bank based on the client’s order. If there are funds in the account, the amount of which is sufficient to satisfy all requirements for the account...

Bank operations with traveler's checks

Traveler's checks are widely used in domestic payments for non-cash payment for goods and services in Canada and the USA. Traveler's checks are not a standard means of payment...

Organization of cash work in a bank

Reception and issuance of cash to organizations Reception of cash from organizations to the cash register is carried out according to announcements for cash contributions, which are a set of documents consisting of an announcement...

Organization of cash and non-cash payments of commercial banks

Acceptance of cash from enterprises and organizations is carried out mainly upon the personal appearance of the client, in his presence. The work of the cash register is organized in this way...

Organization, registration, accounting of currency exchange transactions commercial bank

Operations with cash currency and checks are carried out by the bank only with that foreign currency, the rate of which in relation to rubles is established by the Bank of Russia. Moreover, the list of foreign currencies with which these transactions are carried out...

Concept and types of foreign exchange transactions of commercial banks

Before considering the entire mechanism of foreign exchange transactions, it is necessary to note its order, i.e. procedure for opening foreign currency accounts. To open a foreign currency account, the client must submit to a commercial bank: 1...

Accounting for depository transactions

The relationship between the depositor and the depositary begins with the conclusion of a depository agreement. The subject of the depository agreement is the provision by the depository to the depositor of services for storing securities certificates...

Enterprise management foreign economic activity requires extensive knowledge. This is knowledge of at least one international language, for example, English, at the proper level for negotiating and concluding transactions. This is the ability to predict currency exchange rate fluctuations and convert it profitably. It is equally important to declare goods on time and correctly and pay customs duties. It is imperative to comply with currency laws. A businessman who decides to go beyond the borders of our state in his work should know this minimum.

Sberbank offers novice and experienced entrepreneurs a service that will allow them not to worry about organizing a business abroad. The consulting services offered by the Bank will greatly simplify the life of any enterprise.

Absolutely all categories of entrepreneurs can seek advice, even if they have accounts opened in other banking organizations and they are not clients of Sberbank.

What benefits does the business receive?

The most important advantage will be the conclusion of profitable contracts, which will be carefully studied by experts in their field before signing. This will minimize risks and achieve more favorable conditions.
At all stages of cooperation, the client can receive both face-to-face and online consultations on all issues related to currency legislation. This will help the client and his partner come to mutually beneficial relationships in this matter.
Entrepreneurs will always have up-to-date information about changes in currency legislation, since Sberbank regularly conducts seminars on this issue. You can attend them in person or receive a video recording. Knowledge acquired in a timely manner will protect you from mistakes that entail the imposition of penalties.
All documents prepared by the Bank for the transaction will be prepared at top level, which does not allow mistakes. All decisions made by competent specialists are balanced and pragmatic. To complete a transaction, a large package of correctly executed papers is required, which must be delivered to the destination on time so that the outcome of the entire enterprise is positive. It is almost impossible to comply with all the nuances without the appropriate knowledge, so the businessman is forced to pay large fines later.
Clients will have the opportunity to conduct all payments not only in Russian, but also in foreign currency. This will allow you to work with any country in the world and convert currencies profitably. There will be no more problems with transaction passports; they are not only serviced by Sberbank, but also issued.
Business representatives can not only receive a turnkey service, but also use the parts of it they need. For example, order only an examination of the contract to ensure compliance with all currency legislation.
Possibility of use remote maintenance will give additional positive aspects. It will be possible not to visit a Bank branch, but to send documentation to in electronic format, minimize payment terms, track the stages of document processing, etc.
When you activate the “Customs Payments and Functions” service, you can not only pay duties, but also send them to the Customs Service of the Russian Federation Required documents, filled out and signed online.

Payment for the service and required documents

The cost of consulting services from Sberbank is very reasonable and accessible to representatives of even micro-businesses. Exact prices can be found by contacting the Bank's office, as they differ by region.

A list of documents that must be provided to receive a particular consulting service can be obtained at the company’s office or from a personal manager appointed by Sberbank.

Step 2. Fill out the form

In the dialog box, select the method of providing information - providing a contract. Fill out the form displayed on the screen, attach an electronic copy of the contract (for example, a scanned page). Additional information such as amount and currency, contract completion date, etc. may not be filled out. If you fill them out, the verification will go faster. Click on the green “Create” button at the bottom of the page.

Step 3. Sign the document

Step 1. Open the currency transfer form

In the top menu, select the “Products and Services” section and click on the “Currency Control and Consulting” button. Click on the orange button " new document" In the drop-down menu, select “Register the contract”.

Step 2. Fill out the form

Step 3. Provide additional information about the currency transaction

The bank will request additional information about foreign exchange transaction. You must indicate the type of contract and, if necessary, upload documents (if they have not previously been provided).

Step 4. Sign the document

Check the accuracy of the information you provide to the bank. If there are no errors, click on the orange “Receive SMS code” button on the right and enter the received code in the input field.