A savings account with Sberbank is one of the most common types of deposits. It is used not only for the accumulation and execution of transactions. You can open an account in any additional office, through the Internet bank and while abroad. A feature of the contribution is its versatility. This is one of the basic products of the largest bank in the country.
Savings Account Features
An account is available for opening in the following currencies:
- Rubles.
- Canadian, Hong Kong, Singapore and US dollars.
- Euro.
- Chinese Yuan
- Pounds.
Depending on what type of currency the client has chosen, the interest rate will differ. In rubles, it ranges from 1% to 1.5% per annum; in US dollars, euros and other currencies, the rate is fixed. Regardless of the period and amount - 0.1% per annum.
There is no savings book in the account of Sberbank. The proof of the existence of a valid customer contract is the contract. It is issued upon registration of the account or at the request of the depositor.
If a client opens a savings account online through the Internet bank, he can independently print the agreement on a printer. If there is no printing device, a copy can be obtained at any office of Sberbank. You must provide a passport and a bank card.
Receiving account income
Interest on a savings account at Sberbank is accrued monthly. They depend on the minimum amount in the account during the whole calendar month (28-31 days).
To calculate how much the client will receive when storing funds in the account, you can use the online calculator on the website of Sberbank. The operation will take no more than two minutes.
In addition, the client can apply to any branch with a passport and a savings account agreement with Sberbank. The manager will prepare a certificate calculating the approximate income on the client’s deposit.
How to open a deposit?
To become the owner of a savings account, a client can:
- apply to any branch of Sberbank with a passport;
- make a discovery remotely.
The operation takes no more than 15 minutes. Immediately after the conclusion of the contract, the client, upon request, is given a contract, account statement (when depositing funds) and details (if necessary).
Opening a savings account in a bank office
To open a savings account with a bank, only a passport is required. Under the terms of the contract, cash deposit is optional. An account can be opened with a zero balance.
Opening can be done by the client or his legal representative. When registering a savings account for a minor depositor, you will need the documents of the parent (adoptive parent, guardian, trustee) and the child. Expenditure operations after receipt or deposit of funds in this case are possible only with the permission of the guardianship authorities.
When a contract is opened by a proxy, it is necessary to submit a power of attorney duly certified by a notary. The duration of such authorization may be limited. After the expiration of the power of attorney, the right to conduct transactions by an authorized person in Sberbank is canceled.
How to open an account through online banking: tips and tricks
The second way to open a savings account is to use the Sberbank Online service. The service allows you to open and close accounts, make payments, manage funds at any time and without restrictions. A bank card with SMS messaging service is required.
To open an account through Internet banking, you must:
- enter Sberbank Online;
- find the section "Deposits and accounts";
- click on "Opening deposit";
- among the list of possible options, find the savings account (at the end of the table), click on it and the "Continue" button;
- determine the deposit currency;
- confirm the operation with the "Open" button.
After all the conditions are met, the client will be able to see the new account in the "Deposits and Accounts" section. If desired, the Sberbank depositor can activate the Piggy bank service. It allows you to automatically transfer funds from a card or other account to regularly replenish the deposit.
The service is free. It is allowed to connect several "Piggy banks" for different accounts at the same time.
Cash Terms
Cash withdrawal is not limited. Since the minimum balance on the savings account of Sberbank is zero, it is allowed to withdraw the entire amount without closing the deposit. The client can contact the office of Sberbank at any time to receive interest or the entire amount.
If a client has a savings account with Sberbank, how to withdraw money is an exciting question. To perform a withdrawal, you must:
- Visit the office with a passport and a contract (account statement or simply its number).
- Take a Cash coupon in the electronic queue.
- Wait for an invitation to a free operator.
- Provide a passport and documents under the contract.
- Sound the amount due.
- Confirm the operation with a manual or electronic signature. As an electronic signature any plastic card of the client is used.
- Get cash and a copy of the check.
Cash withdrawal via online banking
The owner of a deposit through Sberbank Online can not only open a savings account, but also receive money from it without closing an account. The service can be used by those who have a Sberbank credit card with the Mobile Bank service activated.
Internet banking is open around the clock. The service is free for all Sberbank customers. To connect, you need to take a login in the company's terminals and come up with a password to enter the system.
Instructions for withdrawing funds from a savings account using Sberbank Online:
- enter the Internet bank by typing the username and password received in the message from 900;
- go to the section "Deposits and accounts";
- select "Savings Account", click on it;
- select the function "Transfer between your accounts and cards";
- choose a different account to transfer and the amount of payment;
- confirm the operation.
Cash withdrawal is possible by transferring to a savings book, deposit or customer card. The operation is performed instantly. Confirmation is the status of "Completed".
After the transfer from the savings account of Sberbank, the client can check the account balance. Information about recent operations is displayed when you click on it or in the tab "History of operations".
There are no restrictions on transfers between your accounts. Since the savings account is a Sberbank deposit with a minimum zero balance, the depositor can transfer from him through the personal account of the Internet bank the full amount of available funds without closing it.
Closing an account through Sberbank Online
Sberbank customers can receive cash from a savings account at any time by closing it if they use the Internet bank. Funds will be transferred to any of the client’s current accounts (at his option).
The scheme for closing a savings account in Sberbank through an online application is identical to the transfer of funds. The difference is only in the choice of operation. When you click on the deposit, select "Close". Next, the client determines where all funds will be transferred, taking into account the accrued interest.
After transferring funds from the savings account to the Sberbank card, the card balance will change, and the account will no longer appear in the "Deposits and Accounts" section. You can check the status in the "Operation History" or in the general section, where the balance of all existing accounts is displayed.
It is not possible to transfer funds to a credit card from a savings account.First, the client must send funds to a debit card, and then transfer from it to a credit card.
Terms of early termination of the contract
Despite the fact that the deposit is unlimited, when the account is closed before 30 days from the date of its registration, the contract is considered terminated prematurely. In this case, the interest rate is set based on the difference between the actual balance of the client’s money on the savings deposit and the minimum amount of funds during the entire term of the contract. The interest rate on demand at Sberbank is 0.1% per annum.
To close the deposit and receive cash, you need to bring your passport and contract. The service is provided free of charge.
Closing an account in another city: features and recommendations
The client can withdraw funds from the savings account in Sberbank or terminate the contract only at his or other branches of the bank's regional branch. Sberbank offices are divided into several territorial units. For example, in Moscow, the branches belong to the Moscow Bank, and the offices of Orel and Belgorod belong to the Central Black Earth. Due to technical limitations, employees of different territorial departments cannot perform operations on accounts opened in other regions.
Therefore, before closing an account with another bank, it is recommended to clarify to which territorial GOSB the branch belongs. If the manager of Sberbank does not see the client’s savings account, it will be closed using the "transfer request" service. The term for receiving funds in this case will be up to three business days.
Customer Account Savings Account
Opening a savings account is a prerequisite for the execution of transfer transactions and the execution of transactions. But Sberbank customers are not always aware of why it is needed. Managers often hear the question: "Sberbank Savings Account (1.5%) - what is it?"
Customer doubts can be understood. Not everyone believes that the bank can get the service for free or without loss of own funds. Savings account refers to those deposits that do not entail the loss of customer finance under any circumstances. It opens without a mandatory cash deposit and can be closed on the same day (at the request of the account holder).
Customer reviews about the Sberbank Savings Account service are positive. Investors like that it is a universal option for all occasions: for storage, transfers or transactions.
Not everyone is satisfied with the minimum interest rate. However, the savings account is not a deposit account, the main purpose of which is to increase the funds of the depositor. It was created for the interim storage of funds for the purpose of their further transfer.
The main types of operations and goals:
- international transfers and sending funds in Russia;
- mortgage lending intermediary account;
- storage of funds during the card blocking period.
Almost two centuries of history, the support of the Central Bank, high standards of service and competent management - all this allows you to use the services of the largest bank in the country with full confidence in the safety of funds.