Opening a bank account is an important matter that does not tolerate haste and making wrong decisions. At the same time, special attention is paid to the very purpose of applying to a financial institution. For example, it can be receiving a pension, issuing a card, etc. We will tell you in this article how to open an account with Sberbank for an individual and under what conditions this can be done.

Who can open an account with Sberbank?

Most often, opening an account is associated with the need to carry out various financial transactions. All citizens of the Russian Federation who have reached the age of majority and have a residence permit or registration can open their account with Sberbank. It can be both individuals and legal entities, as well as corporate clients. To do this, they need to come to the nearest branch of a credit institution with a passport or do it remotely through Sberbank-Online.

What determines the choice of the program?

If you are just thinking about how to open an account with Sberbank for an individual, start by defining the goal. And already on its basis it will be possible to consider in detail the conditions for issuing a particular banking product. Also, before contacting a bank representative, you should answer the following questions:

  • whether other people will be able to participate in the operation of your account (for example, if the next of kin wish to deposit a certain amount);
  • whether you plan to wait until the end of your contract or want to charge interest on demand and ahead of time;
  • whether you intend to keep a non-burnable balance on your account or want to withdraw the entire amount from it to the penny.

We will tell you how to open an account with Sberbank for a private person below.

For what purposes can individuals open accounts?

Depending on the banking program and its intended purpose, available accounts for individuals are conditionally divided into four main types:

  • settlement;
  • current;
  • accumulative or deposit;
  • card.

Settlement accounts in Sberbank

Settlement account, as a rule, is opened by individuals for the purpose of their further participation in the deposit programs operating in the bank, and also, if necessary. For example, a weighty argument for this action is the receipt of wages, pensions or social benefits. We will answer below how to open an account with Sberbank for a private person.

Current and card accounts in Sberbank

A checking or "working" account is usually used to perform necessary transactions (sending or receiving money) and storing personal finances.

Card accounts are conditionally divided into two types:

  • debit;
  • credit.

If you have no idea how to open an account with Sberbank for a private person for a pension and what type of card account to choose, pay attention to debit ones. These accounts are designed to carry out a wide variety of payments, including pensions, wages, social benefits and alimony. When registering a debit account, you become the owner of a plastic card. In the future, you can withdraw money from it in cash and make purchases within the amount in your account.

A credit card, on the other hand, has a certain limit and allows the client to make purchases within this amount. At the same time, you will also have to pay interest to the bank for the use of credit funds. Accordingly, a new loan can be taken with the full repayment of the previous one.

Savings or deposit accounts

Special attention deserves, perhaps, savings and deposit accounts. They are the ones that will suit you if you decide to get information on how to open an account with Sberbank for a private person in foreign currency and save money at the same time. Deposit accounts are of two types:

  • savings;
  • cumulative.

The meaning of opening such accounts boils down to the following: you deposit a certain amount of money into the account and wait for a certain time; for the period of keeping your money in the bank, interest is accumulated, which can be withdrawn either at the end of the contract, or do it as needed, for example, monthly (quarterly).

How to open an account with Sberbank for a private person?

To open a current account with Sberbank of Russia, you need to contact the representatives of a credit institution with a passport and a small amount for the first installment. For example, when choosing the “Save” deposit program, the bank client will be prompted to write an application and deposit at least 1000 rubles, $ 100 or 100 €.

However, before opening an account with Sberbank for a private person at interest, it is necessary to carefully study the conditions of the bank's current programs. For example, the same “Save” deposit is opened in national and foreign currencies for a period of one month to three years. It does not provide for partial withdrawal and replenishment, but it involves monthly capitalization of interest.

How to get a pension?

For example, when contacting Sberbank, you decided to open a card account and receive a "Classic" or "Social" card. What do you need to apply and receive? In order to receive this card and open an account, you need to contact any Sberbank branch at your place of residence, write an application and enter your passport details, TIN code and pension certificate into it. In this case, in the appropriate column, you must enter information about the Pension Fund, which accrues your pension. Then you should give the application form to the representative of the bank and wait for its consideration from one to two days. After this period, an account will be opened for you and a card will be issued or denied.

In the event of a positive response and receipt of the card, you will only have to take the necessary details of Sberbank (r / s, MFO) and take them to your Pension Fund. Later, you can easily receive your pension at the nearest ATMs of the bank.

Note: if you decide to open your own account in your name, then in order to implement your plan, you must personally be present during the execution of all documents. If you are planning to make an account, for example, for your child or another close relative, friend, colleague, then it makes sense for you to first find out how to open an account with Sberbank for a private person for another person. We will talk about this a little later.

Are there benefits for pensioners when opening deposits?

According to the current banking regulations, certain loyalty programs work for depositors of retirement age. For example, when opening a “Replenish” or “Save” deposit, pensioners are waiting for the maximum allowable interest rate.

Is it difficult to open accounts for the purpose of accumulating interest?

Do you want to open an account with Sberbank and save up, for example, for your child's education? Then it is worth considering savings programs, which are widely represented in Sberbank. For example, your choice fell on a perpetual deposit "On Demand of Sberbank of Russia". How to open it?

You can open such a deposit in national and foreign currency according to your passport and in any branch of the bank. The exception is in rare types of currency. In order to open accounts in this case, it is necessary to clarify in advance the list of branches providing such a service. The rest of the depositors need to draw up an agreement with the bank, where they indicate the following:

  • the amount and currency of the investment;
  • investment period;
  • expiration date of the investment;
  • incoming and outgoing operations on the deposit;
  • the amount of the minimum deposit for a cash deposit;
  • the frequency of making additional contributions;
  • the size of the fireproof residue;
  • frequency of interest payments;
  • address and contact details.

Also, opening a deposit account is possible using ATMs, terminals and other services with remote maintenance. We will tell further about whether and how to open an account with Sberbank for a private person in a different name.

Can I open a deposit in someone else's name?

It is allowed to open an account and deposit in someone else's name. For example, you decide to give a deposit to your spouse. In this case, you need to come to any bank branch, and then draw up an agreement by presenting your passport. You will also need to provide the following:

  • Name of the third party;
  • date and year of birth;
  • the presence of citizenship;
  • registration contact address;
  • the type of document provided by a third party with its details.

If you don’t know, in Sberbank to a private person without his presence, we will help you figure it out.

Is it possible to open an account for a third party, but without his presence?

You can open a deposit without the presence of a third party. This is done by analogy with the previous design option. The only thing is that if the account is opened by the secretary or accountant of the enterprise, then in addition to the above documents, he must present a notarized power of attorney. For example, if a foreign citizen plans to open an account with Sberbank not personally, but through an intermediary, then he must provide the bank with a power of attorney signed either by a notary or a consul.

How many deposits can one person make? An individual residing in the territory of the Russian Federation has the full right to open an unlimited number of deposits if desired.

How to open an account in foreign currency?

Most deposits and accounts work in two directions - foreign and domestic currency. Therefore, opening such accounts is not associated with any difficulties. For example, you decide in US dollars. What is needed for this? To open such an account, you need to contact the bank and, in accordance with the current Russian legislation, select a suitable deposit.

For example, you have chosen the “Universal” perpetual deposit program with the possibility of partial withdrawal, replenishment and monthly accrual of the balance. To open such an account, you need to conclude an agreement with the bank and deposit at least $5 into your account. In addition to everything, you can draw up a testamentary disposition or power of attorney for your next of kin.

Is it possible for foreigners to open an account with Sberbank?

Still do not know how to open an account with Sberbank for a private foreigner? To get started, you should arrive at any branch of the bank, write an application and provide the following documents:

  • passport (foreign passport or a document giving the right to reside in the Russian Federation);
  • migration card.

When drawing up the contract, please note that you can indicate the persons and their passport data who, in your absence or on your behalf, can use the deposit. And, of course, you will need to choose the investment currency and make the minimum allowable deposit amount.

A bank account is a necessary, but not a prerequisite for the work of an individual entrepreneur. The law allows doing business without opening an account, and the period in which an account can be opened is not regulated. Because banking costs money, you can open an account when you need it and close it when you no longer need it.

25.04.2016

Please note: there is a fee for opening and closing an account!

What is a checking account and what is it for?

An IP settlement account is needed for cashless settlements. One-time settlements in the amount of up to 100,000 rubles can be carried out without it. In the case when the amount exceeds the specified one, the company's turnover grows over time, and counterparties prefer to work only by bank transfer - you will have to open an account. Plus, this is one of the indicators of the seriousness of the entrepreneur's reliability.

Opening a current account allows you to:

~ make settlements with partners;

~ accept payments from customers;

~ to carry out calculations with the budget;

~ get loans on favorable terms;

~ pay salaries to employees on the card;

~ issue additional credit cards for yourself;

~ open a currency account.

How to choose a bank to open an IP current account

There are many financial institutions on the market today where you can open a checking account.

When choosing, be guided by three main requirements:

~ total costs for opening an account and the cost of monthly maintenance;

~ the presence of the bank in your city, the level of customer service;

~ Availability, organization and cost of remote banking services (RBS).

Opening and maintaining an account cost differently. The cost also varies when servicing directly at the bank or via the remote banking system. The RBS system allows you to manage your account either without installing additional software on your computer, or through the "Bank-Client" system. The cost of these two options for remote access to the account, of course, is also not the same (cheaper without installing software just via the Internet).

Please note: the cost of monthly service consists of at least two parts: account maintenance + cost of the type of service (settlement and cash, RBS).

What is included in the cost of banking services

The obligatory payment that the bank debits from your account on a monthly basis is the cost of “having” your account with this financial institution. If you like, it's a subscription. For a small amount of 500-600 rubles, your account is active.

Most of the services are cash and settlement services - remote or in bank branches.

The bank can take money for:

~ receiving and issuing cash;

~ making electronic payments;

~ crediting funds to the account;

~ maintenance of salary cards;

~ issuance of certificates of operations on the account;

~ other additional services.

To minimize the cost of banking services, many banks offer packages that have a fixed cost and include a number of shareware services from the above list. For individual entrepreneurs with small turnovers, such packages are not interesting - it makes no sense to pay 30 "payments" if you actually have up to 10 payments per month.

Please note: the bank has no right to impose packages on you. You can connect to the tariff that is convenient for you and is published on the official website.

The procedure for opening a current account of an individual entrepreneur in a bank

To open a current account, you need to contact the branch of the selected financial institution with a package of documents:

1. Certificate of registration of an individual as an individual entrepreneur.

2. Certificate of registration of an individual with a tax authority (TIN).

3. Passport of a citizen.

4. Extract from the USRIP.

An application for opening a current account, as well as copies of the documents provided by you, necessary for entering into a personal file, will be made to you at the bank.

Also, if necessary, you will need:

~ seal (serving at the bank without a seal is allowed, just signed by the responsible person);

~ licenses or patents (if the activity of an individual entrepreneur is associated with obtaining them);

~ power of attorney (if the individual entrepreneur does not open the account personally).

The account does not open immediately. The bank will accept your documents for consideration and, when ready, will notify you of the need to come to the branch to conclude an agreement and receive the necessary documents, including a notice of opening an account and a service note. It usually takes a couple of days. At the same time, you need to pay the cost of bank services, which directly include the commission for opening a current account, as well as the cost of photocopying, the cost of issuing a signature card.

Please note: signature card reissuance is paid. If you have a stamp, be sure to take it with you to add it to the card.

How far has technology come

Today, opening a bank account is easier than a couple of years ago. The first bonus is the ability to remotely reserve an account on the bank's website. This service is not provided by everyone, but, nevertheless, it is available and allows you to receive funds to the account number that is issued to you immediately after filling out the online form. Then within 5 days you will have to come to the bank to go through the standard procedure.

Another important innovation is Federal Law N 59-FZ of April 2, 2014, which abolishes the obligation of individual entrepreneurs to independently notify the tax authority about opening a current account. Now the bank is doing this through the electronic document management system. The notification must be submitted only if the current account is opened outside the Russian Federation.

It will also be useful for a novice entrepreneur to know about the electronic services provided by the tax and Rosstat. In particular, now you can quickly and for free:

These data may be needed not only when opening an account, but also when submitting reports, submitting applications for tenders and other procedures.

Well, a bonus for the most active - mobile applications. They are available in a number of major banks in the Russian Federation and help to monitor account transactions via a smartphone. Full-fledged functionality is being actively implemented, including maintenance of payroll projects and translations according to templates.

If there are any questions

For questions about opening a current account for an individual entrepreneur in a bank, you can contact an outsourcing company. Such services are inexpensive and convenient for those who do not have the time and experience to do everything on their own. If you need a current account urgently, the specialist will tell you not only the bank with the best service conditions, but also solve the issues of opening an account in just two days.

Material prepared by specialistsRosco company .

Valery

Hello, today, I faced the problem of paying me money for the work that I did for a reputable organization. The organization categorically refuses to pay me in cash for the work I have done, only a transfer to a bank account. And what kind of bank account is needed for such operations? ...and how to open it7 I am not an individual entrepreneur, I do such work, maybe once every few years.

According to the current legislation of the Russian Federation, banking institutions have the right to open current accounts for individuals and companies without restrictions. But here there is a division from the standpoint of the clients themselves. Organizations have to open a cash account in order to make non-cash transactions. In turn, current account for individuals is not mandatory, because the individual entrepreneur has the right to make payments in cash (up to 100 thousand rubles). What are the features of such a service? How is it formatted? What types of services for individuals are offered by banks?

Terms of receipt

Opening a current account by an individual begins with the following steps:

  1. Choice of banking institution.
  2. Determine the appropriate rate.
  3. Submission of an application (filling out the questionnaire).
  4. Transfer of a package of papers:
  • Application (the directions of activity must be spelled out).
  • Certificate of state registration of IP.
  • Passport of a citizen of the Russian Federation.
  • Patents and licenses for certain works (if required).
  • A map showing the subscriptions of the future owner of the account and the seal of the company (IP).
  • Agreement with the bank, which describes the features of the transaction (tariffs, services).

Read also -

Settlement account for individuals: when is it applied?

It is legally regulated that a bank account of an individual (r / s) can be used to solve a number of problems:

  • Making payments in the direction of counterparties (suppliers, customers).
  • Carrying out billing transactions.
  • Receiving payments from buyers (users of services).

Features of the use of a current account for individuals are regulated by the current rules and regulations of the Russian Federation. An individual entrepreneur has the right to use r / s only within the limits of existing legislative norms. Violation of the law is fraught with responsibility for the entrepreneur (administrative and criminal). After opening a current account by an individual, all data on it are monitored by the Central Bank of the Russian Federation and the credit institution that serves it.

Other bank accounts for individuals

A current account is not the only banking service available to individuals. Individual entrepreneurs or ordinary citizens have the right to open the following account options:

  1. Current- a type of service, which is often called a current account for individuals. Its purpose is to accumulate money and make transactions upon the order of the owner. Funds sent from the same individuals or companies can be credited to such an account.

The sources for replenishment are:

  • Owner's personal funds.
  • Citizen's salary
  • Retirement savings.
  • Scholarship.
  • Funds received for the provision of housing for rent.
  • Money for the sale of property and so on.

Opening a current account by an individual allows you to conduct transactions in a non-cash form - pay for purchases, transfer money to companies for services or pay taxes.

To open a classic current account, a smaller package of papers is required:

  • The passport.
  • Bank agreement.
  • Receipt for opening an account (if required).
  • Wait for the completion of the agreement and withdraw funds through the cashier (receive on the card).
  • Terminate the contract early and lose most of the interest. In this case, the client must notify the bank in advance of the intention to terminate the agreement.
  1. Loan- an account that is issued when a client receives borrowed funds for the purchase of real estate, cars, treatment or recreation. Such an account is used only for fixing debts and belongs to the category of technical accounts.
  1. card- a bank account of an individual, which is opened when issuing a payment card. "Plastic" is transferred to solve a number of tasks:
  • Making payments.
  • Issuance of loans.
  • To receive interest on a deposit.
  • For the purpose of payroll.

Settlement account for individuals- banking service, which mostly concerns individual entrepreneurs and entrepreneurial activities. But in everyday life, the term r / s is increasingly used in relation to other, more common types of account.

Anyone can open an account with Sberbank of Russia. To do this, just contact the nearest bank branch, present your passport and indicate the purpose for which you want to open an account. It depends on the goal what kind of banking product you will be offered.
Making an account for always includes linking it to a savings book or a plastic card. This is done so that a person can manage their funds coming to the account.

Using a passbook

The savings book still exists, but the bank aims to reduce it to a minimum. It is designed for:
  • issuance of loans;
  • pensions or social benefits to those citizens who refuse to use a plastic card;
  • to receive money from legal entities that have not concluded a service agreement with the bank (without this agreement, settlements on plastic cards are possible, but with a commission, and there is no commission for transferring to a passbook);
  • as well as certain categories of citizens with impressive savings that they want to place on a deposit at interest.
The cost of opening a passbook is 10 rubles. This is the limit that must always be on the account, otherwise the account will be closed. Here and further in the article, the indicated tariffs are the same and valid for any locality in Russia.
Depositing and withdrawing cash, as well as transferring it to the account of third parties using a savings book, is possible only through the operator of a Sberbank branch. In this case, there is a territorial restriction. That is, data on an account linked to a passbook is available only in branches that are territorially related to the branch of Sberbank of Russia in which the account was opened. For example, the West-Siberian branch of the bank includes only the Omsk, Tyumen regions and the Khanty-Mansiysk, Yamalo-Nenets Autonomous Districts. This means that the withdrawal of money and checking the status of the account in other regions will be available only upon a special application. According to it, the branch of Sberbank in which the account was opened will make a transfer of funds to the branch where you want to receive money, but a commission of 300 rubles will be withheld, and the money will be transferred within 1 to 2 months.

A plastic card

In all other cases, the client is invited to link the account to a plastic card, as it has a number of advantages over a passbook. Replenishment and withdrawal of cash can be done through any. At the same time, no commission is charged for transactions if the ATM belongs to Sberbank. At ATMs of other banks, the commission can most often be from 0.7 to 7%, but not less than 100 rubles per operation - you need to find out the exact amount from the bank that owns the terminal.
With a plastic card, you can pay directly in stores with or without a commission. There are networks that provide discounts on goods when paying with a plastic card, the most popular are from 5 to 20%.
Another clear advantage of using a Sberbank card is online service. Having received a login and password on the card at any ATM, you can enter your personal account through the Sberbank website. See the status of your account or accounts, if there are several of them, and manage them here: transfer funds between your accounts or third-party accounts, pay for services or purchases. There is no territorial restriction on service for a plastic card. You can use it in any city of the Russian Federation, as well as in any country in the world, with the exception of social and instant cards, for which service benefits are established.
The cost of servicing a plastic card depends on what type it is and ranges from 0 to 3000 rubles per year. If you connect a mobile bank to a plastic card, you can manage accounts from your phone. Mobile banking costs 30 rubles per month for free cards and 60 rubles for all others.

Account opening procedure

So, you have decided on the purposes for which you initially need to open an account with Sberbank. With a passport, go to any office that seems convenient in location. Please note that all the main issues related to your account will be resolved in this branch in the future.
The bank operator will offer you the most profitable and suitable program for opening an account. Will draw up a standard contract, which will include your data and data on an open account. If you decide to open a passbook, it will be issued to you immediately. It is valid for 10 years, after which it is subject to replacement or account closure.
is made within a maximum of 3 weeks, after which you will need to receive it by presenting your passport. This is for the name card. Its validity period is three years. After that, the card is reissued by the bank and sent to the branch where you opened the account. The bank itself monitors these terms, and it is not required to write additional applications for updating a new card. According to the rules of the bank, a new card arrives at the desired branch no later than 2 weeks after the expiration date. It must be received within the next 6 months, otherwise the account will be suspended. During this period, the bank will try to contact the client using the available contacts, if this fails, then the card is destroyed.
In the event of a change of residence and the impossibility of arriving to receive a card at the desired branch, you should contact any other branch that will become more convenient for you in terms of location. Write an application with a request to reissue the card and transfer it for servicing to another branch. Each such application will cost 300 rubles.
At the moment, customers of Sberbank of Russia are also offered the service of instantly opening an account with the simultaneous issuance of a card at the time of application. Service on it is free, the difference is that it is not registered, but the validity period is up to a year, after which, you should contact any branch and exchange it for a new card.

Age restrictions

Theoretically, you can open an account with Sberbank for any citizen, without age restrictions, but for minor children, parents or legal guardians must apply with an application. At the same time, you can deposit cash into the account of a minor, but you cannot withdraw it. Thus, an account can only be linked to a passbook until the citizen comes of age.
In some cases, it is possible to cash out money from the account of a minor, but only if the parents or guardians receive permission for this from the guardianship authorities, which in practice in the vast majority of cases turns out to be impossible. Therefore, if parents want to save money for children, it is better to do this on deposit accounts opened in their own name, so that if necessary, they can be withdrawn from the account at any time.
Restrictions on account management are lifted upon reaching the age of 18. In the period from 18 to 25 years old, citizens are provided with a special student card with preferential terms of service (the annual fee is only 150 rubles).

Salary card

Any citizen who wishes can open a card at Sberbank to receive wages on it, then independently contact the accounting department of the organization in which he works with an application for a non-cash transfer of wages to his own bank account. Although now many organizations themselves conclude agreements with the bank and order the issuance of cards for transferring salaries to employees, while incurring the costs of issuing and maintaining such cards.
Please note that despite the original purpose of using the card for certain needs, this is not a restriction on its use. So, if you were issued a card for receiving a salary or benefits, this does not mean that you cannot provide card details to receive additional funds on it or to transfer money to you from third parties. For example, transfer funds to relatives, make payments for any services using it. Determination of the goal is necessary solely in order to select the optimal offer for the price of service and a set of functions. In addition, one citizen can have an unlimited number of accounts, if necessary, but if you have, for example, two social cards, then only the first one will be free of charge, the second and subsequent ones will cost 150 rubles a year.

Credit card

A credit account is linked to a credit card. This is more convenient than applying for a loan, since interest will be charged only when you use it, and when applying for a loan in the usual way, regardless of whether you used the money or not, interest is immediately charged and funds will be debited in a month to repay debt.
A credit card is issued by Sberbank only with a passport to its regular customers who have valid accounts with them for at least six months. First of all, approval is given to those clients whose accounts receive approximately the same amounts (salary, pension) within six months, as well as those who have already taken a loan and have established themselves as a conscientious payer.
For everyone else who wants to have a Sberbank credit card, you should also provide a certified copy of the work book with your passport, as well as a certificate of income in the form of 2NDFL.
Credit card data can be tracked through Sberbank online and through SMS alerts, but it can only be used to pay for services or purchases in a trade and service network (including for paying via the Internet). It is not possible to transfer funds from a credit card to another account of yourself or a third party.

Card Security

Unlike passbooks, plastic cards are vulnerable. There is a possibility that the data will become available to fraudsters, and they will use your funds for their own purposes. To prevent such incidents, vigilance and care must be maintained. You should not transfer data to third parties by phone or leave the card unattended, as well as use trusted terminals and ATMs, preferably under video surveillance or located near bank branches.
Remember: in order to use the card, fraudsters need to know at least three parameters:
  • Card number;
  • its duration;
  • mobile phone number to which the card or PIN code is connected.
If you have any suspicions or exact information that the data came to the scammers, do not hesitate, immediately contact the bank with a request to block the card (you can do this yourself through Sberbank online), then your card will simply be reissued - this service is free, and the account will remain the same.

The largest bank in the country offers its clients a variety of services that allow you to save, save and increase personal funds. In order to profitably carry out all these operations, it is necessary to open an account with Sberbank for an individual, and this can be done either directly at the nearest bank branch or online. The procedure does not take much time and does not require special preparation of documents. Both Russians and foreigners can take advantage of this opportunity.

How to choose a bank account for an individual

Before you go to a bank or sit down at a computer in order to open an account with Sberbank for an individual, you need to determine exactly what it is for. If there are certain doubts, you can call the hotline and get advice from a bank specialist. The currency of deposited funds also matters, because according to the universal banking agreement, customers have the right to open not only ruble accounts.

Special purpose

A conto in Sberbank can be opened for various reasons, and sometimes the same product can be used for different purposes. Among the main needs that motivate this banking operation are the following:

  • to save money;
  • making payments for third parties and organizations;
  • receipt of a bank plastic card Visa, Mastercard, ;
  • for crediting pensions, wages, scholarships and other payments;
  • getting a loan.

Validity

Depending on their purpose, accounts can be unlimited or limited to certain time frames. In this case, it is necessary to clarify in advance all the features of their closure or liquidation. In addition, it is possible to automatically prolong the validity period for the next period, if this is specified in the contract, and the client or the bank has nothing against it.

Account currency

Russian law allows you to open a foreign currency account with Sberbank for an individual. The Bank accepts US dollars and euros as foreign currencies for most deposits. For other currencies, there is only one option - the "Universal" product. In the past, the financial institution offered private clients the opening of a multi-currency deposit, but at the moment it has been discontinued.

Types of accounts in Sberbank for individuals

There is an extensive system for classifying bank accounts, but not all of them are used in the current activities of Sberbank. Their difference lies in the fact that each is designed to carry out certain operations. Unlike legal entities, only three types of account are offered to individuals, and some of them can be opened in different quantities.

Current account

It is opened by an adult citizen to store funds or conduct a one-time major financial transaction. It can be created to receive money or, conversely, transfer it to another account. Such products are especially relevant when buying real estate, cars and other expensive things, payments in favor of third parties or entrepreneurs.

To open, it is necessary to visit the bank office, since it is not possible to carry out the operation online. No interest or bonuses are accrued on the balance of funds. When opening a currency account, you will need a ruble and transit account, which is intended for currency transfers or making payments abroad.

Deposit

In order to accumulate funds, it is proposed to open a deposit account with Sberbank for individuals. Interest is charged on the balance of funds. They currently have the following meanings:

The deposit is intended for free use of money with simultaneous capitalization. It is perpetual, it can be replenished an unlimited number of times, and cash withdrawals are possible at any time. The minimum amount for opening a deposit agreement is not provided, as well as there are no restrictions on the maximum value. The larger the deposit amount, the higher the interest rate.

card

Card accounts are a kind of current accounts, but the main difference is that the owner can manage the money on his own, without contacting the branch of the savings bank each time. They are tied to a valid credit or debit card, which is used to pay for goods and services at any time in real time or online (the card number does not match the account number!). As a rule, interest is accrued on the balance of funds on a personal account at the “on demand” rate, unless otherwise prescribed by the agreement.

Documents for opening an account with Sberbank

A Sberbank current account for individuals is opened upon presentation of a minimum package of documents, which cannot be said about business representatives. You should be aware that it is not possible to open an account for several persons at the same time, however, third parties can dispose of it if the owner gives the go-ahead for this by issuing a power of attorney in the form of a bank.

For citizens of the Russian Federation

The easiest way is to open an account with Sberbank for an individual who is a citizen of Russia. To do this, he needs to visit the bank office and provide a passport. It is worth noting that in its absence, you can use a passport or military ID. For pensioners who wish to place money on proposals that relate directly to them, it is necessary to take a pension certificate.

For foreign citizens

If a person is not a citizen of the Russian Federation, he will have to take several documents with him. Firstly, it must be a national passport and migration card, and secondly, any other document confirming the legal presence of a foreigner in Russia. A residence permit will do. This is a prerequisite for the placement of money.

How to open an account with Sberbank for a private person

If everything is clear with the necessary documents that need to be presented, then the procedure itself should be considered. You can open an account with Sberbank for an individual through the worldwide network, or by visiting any branch. Depending on the type, there may be some nuances, but they are not critical and do not affect the procedure in any way. There is only one condition, a person applying for opening an account must be over 14 years old.

At a bank branch

A personal visit to the Sberbank office has several advantages. Firstly, the client can always get answers to all his questions, and, secondly, in this way you can avoid mistakes when filling out documents. After a bank employee is provided with a passport or other identification document, he proceeds to draw up an agreement.

An agreement is drawn up in one copy for each of the parties. The representative of the bank and the depositor are required to sign the agreement, after which the seal of the bank is affixed to each copy. Be sure to check all the data and details entered by the manager in the contract for errors. In addition, it is recommended not to hesitate to clarify information on incomprehensible points. This will help avoid misunderstandings later.

To Sberbank Online

Opening an account with Sberbank Online for an individual is much easier, since you can do it without leaving your home. However, only those customers who have it connected can use the service, otherwise you need to visit the office where you fill out the proposed application form for adding a banking product. In addition, you can use an ATM or self-service terminal or mobile banking service to complete registration.

It should be said right away that for users of the Sberbank Online service, there is the possibility of opening only a deposit. First you need to log in to the system using the received identifier. After that, in the main menu of your personal account, go to the "Deposits and accounts" tab. All available deposits will be reflected there, and to create a new one, you must follow the link "Opening a deposit", and simultaneously with the creation of a new product, a procedure for opening a new account will take place.

The cost of opening a bank account

Any settlement or savings account with Sberbank is opened absolutely free of charge - you don’t have to pay anything. However, it is worth knowing that it is necessary to put a minimum amount on it at checkout. Depending on the chosen currency, it will be 10 rubles, 5 US dollars or euros. For issuing a bank card, if necessary, you will have to pay extra. Its tariff is strictly individual and depends directly on the chosen product. In addition, you can use the voluntary insurance service for an additional fee.

How to open a deposit in Sberbank for an individual

As has been repeatedly mentioned, a deposit is opened in person at any bank office or remotely: ATMs, Sberbank terminals, mobile and Internet banking. It is important to understand that a deposit can be opened not only for yourself, but also for any person, it is only important that the depositor has a notarized copy of the identity document of the person for whom the deposit is supposed to be opened. His presence is not required.

You can also put money in the name of a minor citizen, but he will be able to personally manage the funds only after the age of 14, and earlier parents or legal representatives can follow the finances. The citizenship of the depositor does not matter either - it is only important to have documents that allow you to legally stay on the territory of the Russian Federation. A deposit is made exclusively for one person, but the number of deposits can be unlimited - the law does not prohibit this.

Sberbank savings book

For several years in a row, Sberbank has been trying to get rid of the Savings Book. They are no longer produced, so even with a strong desire to get it will not work. The remaining copies in circulation are serviced according to all the rules, especially since this document is a strict accountability form. Instead of using a book for deposit transactions, the bank offers special card products, for example, such as a social card. The use of plastic is very convenient, because you can control expenses and receipts from anywhere in the world and at any convenient time.

What deposits are there in Sberbank today

If you turn to the official information on the Sberbank website, you can see that several deposit products are offered for customers and future depositors, and everyone can choose the appropriate option depending on the amount available and the convenient term for placing savings:

  • Time to save. A new type of deposit with a rate of 6.5% per annum. Moreover, you can increase it by half a point if you pass the test on social networks Odnoklassniki, VKontakte or Facebook. The minimum amount required to open a deposit is 100,000 rubles. The period of placement of funds is 4 months. The deposit cannot be replenished or partially withdrawn, but it can be extended an unlimited number of times. Interest is accrued at the end of the term and paid in cash or to an account.
  • Gift a life. According to the deposit agreement, every three months the bank transfers 0.3% of the investment amount to the Podari Zhizn charitable foundation (for children with oncological, hematological and other serious diseases). The minimum deposit amount is 10,000 rubles with an annual rate of 5%. Money is placed for a period of one year without the possibility of replenishment and partial withdrawal. On the deposit, it is allowed to draw up a power of attorney and a will.
  • Savings certificate. Securities issued to the bearer. Its yield is higher compared to standard deposit offers. The placement period varies from 91 to 1095 days, and the interest rate is 0.01-7.20%. The minimum possible cost of the certificate is 10,000 rubles.

Sberbank has deposits that can be opened both through the bank's cash desk and through a mobile application. In the second case, interest rates will be higher. The table shows the main parameters for opening a currency and ruble deposit:

Name Bid Minimum amount Placement term Special conditions
save

RUR - 3.80–5.15%;

USD - 0.01–1.05%;

100 EUR.

1 month - 3 years for RUR and USD;

EUR - 1-3 years.

Without replenishment;

No partial removal.
Save Online

RUR - 4.05–5.63%;

USD - 0.01–1.25%;
Replenish

RUR - 3.70–4.62%;

USD - 0.01–0.85%;

100 EUR.

EUR - 1-3 years.

With the possibility of replenishment;

No partial removal.
Refill Online

RUR - 3.95–5.12%;

USD - 0.01–1.05%;
drive

RUR - 3.00–4.32%;

USD - 0.01–0.50%;

1000 EUR.

3 months - 3 years for RUR and USD;

EUR - 1-3 years.

 There is a possibility
withdraw funds and
make additional contributions.
Manage Online

RUR - 3.25–4.82%;

USD - 0.01–0.70%;

Sberbank provides an opportunity to receive income from trading on the stock exchange, and you can choose any securities for placement. Individuals are invited to open a brokerage account with a maximum investment of up to 1 million rubles, designed for 3 years. To do this, you must submit an application to one of the bank's offices or call the Sberbank branch by phone. A commission is charged for the implementation of transactions, but the client will be provided with tax benefits according to the system chosen by him.

How to open a retirement account

There are no separate programs for pensioners, as it was before. However, this state of affairs does not mean that there are no priority proposals for them. Elderly people can count on any deposit with only one difference - no matter how much was deposited, the interest rate will always be the maximum. In addition, retired citizens can open an unlimited nominal account for crediting social benefits at a rate of 3.67% per annum.

Opening an account with Sberbank for individuals in foreign currency

In addition to the above savings programs, customers can open for settlements with the possibility of partial withdrawal and replenishment not only in rubles, US dollars and euros, but also in other convertible currencies. The interest rate is 0.01% per annum regardless of the currency. They are calculated quarterly and added to the current amount. The minimum deposit is 10 rubles or 5 dollars at the exchange rate in any currency.

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