Today, Sberbank is one of the largest banking companies on the Russian market, which provides customers with dozens of different programs and services. You can open accounts with different interest rates, duration and repayment regularity. By contacting one of the branches or by phone for advice, each client will definitely find a program for himself that best suits his interests, but today we will talk specifically about what a savings account in a Sberbank is and how to use it correctly in the future.
What is a savings account in a savings bank, and how is it different from the rest?
Every year there are more and more different banking programs, and when planning to make a deposit, a person has to spend a lot of time sorting out all the offers and understanding how they differ from each other. We will try to explain the pros and cons of a savings account as simply as possible, and we will start by immediately highlighting the main differences between the savings account program:
- As a rule, all accounts that you are offered to open in a bank have a limited term, and you enter into an agreement for a certain period of time. The main advantage of a savings account is the perpetuity of the deposit., that is, you yourself control the time frame of your cooperation with the bank, and the deposited amount will be accumulated and saved as long as the agreement signed in advance is valid;
- The second distinctive indicator is considered to be a relatively small interest rate, since the bank's management has developed this program specifically for savings purposes, and not for savings.
The interest rate in dollars is 0.01%
Interest system
If we already touched on the issue of interest rates in the previous section, let's take a closer look at this system. If you want to open a savings account with a savings bank, hoping to quickly increase equity, then this program is unlikely to suit you. I repeat that A feature of a savings deposit is the lowest interest rate. Therefore, you can only increase your own funds if you deposit a very large amount, say ten million euros, and wait for the bank to pay you a small percentage.
The subtleties of a savings deposit:
- You can open a savings deposit both in rubles and in foreign currency: dollars and euros. But it is worth noting that the interest rate will be very different, and, having a ruble savings account, the client can count on 1.50 to 2.30 percent, depending on the conditions, then with a foreign currency account, the interest rate will not exceed 0.01. As you understand, by depositing a million dollars into the account, at the end of the year you will receive an additional only 100;
- The second distinguishing point is the inability to independently manage the account when you want. What does it mean? Accrued interest cannot be transferred to other accounts or try to withdraw to a plastic card, and the only option is to accumulate funds until the contract expires. Some people consider this item extremely illogical, while others, on the contrary, support the bank's policy, because the main idea of a savings account is precisely the accumulation and preservation of invested funds.
Savings account is perpetual
Conditions for opening a savings account
Absolutely every citizen of the Russian Federation can open a personal savings account with a passport. Contributions can be made in national currency, and in euros/dollars. No one limits clients in the terms and sizes of their contribution, so you can deposit any amount for an unlimited amount of time. How do you understand what more contribution, the higher the percentage.
But it should be noted again that this program is not the best option for those who open an account for the purpose of capital accumulation. To do this, there are a lot of other interesting programs in Sberbank, and this article is aimed at those who want to keep their money in the long term.
With a savings account, you can always withdraw part or all of the deposit, as well as deposit an unlimited amount of money. From the moment new funds are credited to the account, the interest rate will be updated automatically and will be charged from the new amount, while maintaining the previous accumulated interest. Sberbank's savings deposit allows customers to hold both cash and non-cash payments on your account, but bank employees generally strongly recommend making contributions by the second method.
Interest rate
As you have already read above, the interest rate on a savings account is extremely low, and is unlikely to be of interest to people seeking to earn money on banking system. But at the same time, it is worth considering this issue in more detail, since since June 19, 2017, the system of payments on a savings account has changed slightly.
Main innovations:
- The bank's management slightly increased payments for domestic depositors with a ruble account. The minimum rate in this program is one and a half percent, and is charged for deposits up to 30,000 rubles. For example, 2 percent is already paid from 700,000, and the maximum rate is 2.30%, which are charged on the amount of two million rubles;
- At the same time, those who have currency deposits, is a big disappointment. If a few years ago the interest rate fluctuated up to one and a half percent, depending on the amount invested, now, regardless of the size of the account, it is 0.01%.
Thus, we conclude that, on the one hand, it is more profitable to open a savings account in the national currency, and the bank's management is trying to facilitate the transition to ruble deposits as much as possible.
In the near future, the bank's management will not stop using passbooks
Passbook as one of the account management methods
Probably for modern man accustomed to plastic cards and mobile application, the very idea of using a passbook is considered something Soviet and incomprehensible. But, despite the paradox, many banking clients prefer to use this type of control over their funds.
Benefits of using a passbook:
- First of all, the passbook is an official document, thanks to which you can carry out careful control over the account. By issuing a passbook, the depositor additionally protects his own funds, since they cannot be withdrawn without presenting a passport. Considered from this point of view, then this document indeed, it is a rather profitable tool for managing deposits, and unlike plastic card holders, which are easy to steal and hack, passbook holders are almost one hundred percent protected. Safety is the main criterion why many people prefer to draw up passbooks, because in the era of constant cyber attacks and other frauds, one can never be completely sure of the safety of the invested funds;
- And the second advantage of an official document is transparency, and thanks to a clear picture of how much and where funds were withdrawn / received, the client does not have to request account details.
It is worth noting that everyone can control a Sberbank savings account online using a website or a special application, which will display detailed information on the interest rate and ongoing operations.
By depositing your funds financial institutions, depositors are worried not only about the high interest rate, but also about the safety of their savings, so they often prefer to make a deposit at less high percent, but in the most trusted bank. For this reason, Sberbank's services for placing funds on deposit continue to be in great demand. One of the offers of this bank is the Savings Account, which has a number of differences from other deposits of the bank.
Opening a deposit
Open a savings account, both in US dollars or euros, at any bank branch. Making this deposit through a service such as Sberbank Online @ yn is impossible.
The minimum amount for opening an account is not limited, which makes this deposit available to all customers.
Citizens of the Russian Federation must present a Russian passport for this, and foreign citizens or stateless persons must present an identity document and a document confirming the right to stay (residence) on the territory of the Russian Federation.
the most important distinctive feature This contribution from the rest is that it is opened on an indefinite basis, that is, the client can choose the end of the storage period at any time. But the bank, in turn, can terminate the agreement if there is a zero balance on the account and if there are no transactions on it for two years.
Deposit and withdrawal
Another advantage is that the savings account of Sberbank makes it possible to both replenish and withdraw funds from it, that is, in fact, it is an alternative to a demand account. You can deposit or withdraw at cash and through cashless transfers. No restrictions on income and expenditure transactions not here - you can replenish the deposit for any amount and at any time, as well as withdraw funds from it at any time up to zero balance.
Interest accrual
Free disposal of your funds in the account inevitably leads to a reduction in the interest rate, and in this case, this reduction is very significant. Interest is calculated on a monthly basis, for this, the size of the minimum account balance in previous month. When calculating the balance for the month following the month of interest accrual, the rate is set without taking into account the previously accrued interest.
The size annual rate on savings account depends on the deposit currency and the minimum account balance. For deposits opened in rubles, the rate will be 1.5% with a minimum balance of up to 30,000 rubles, from 30,000 to 100,000 rubles - 1.6%, from 100,000 to 300,000 rubles - 1.7%, from 300,000 to 700 000 rubles - 1.8%, from 700,000 to 2,000,000 rubles - 2% and over 2,000,000 rubles - 2.3% per annum.
For deposits opened in dollars and euros, the rate will be the same and with a minimum account balance of 0 to 1,000 units in foreign currency it will be 0.2%, and with a balance of more than 100,000 dollars or euros - 1.15% per annum.
Interest is charged on the difference between the actual account balance and the minimum monthly balance based on an interest rate of 0.01% per annum. It turns out that in order to receive at least a small, but still profit, it is necessary to constantly maintain a certain balance on the account, on which interest would be charged.
When closing an account, the minimum balance on the deposit for the month in which the account is closed is also determined, and the main interest is charged on it. The interest on the difference between the actual and the minimum balance is calculated at a rate of 0.01%.
The low deposit rate and interest calculation make it doubtful that your savings will increase significantly due to interest, so a savings account is suitable for storing funds and making settlement transactions on it.
Other conditions
Thanks to the increasing development of services such as various mobile and Internet services, managing your accounts, as well as obtaining information on them, is becoming fast and accessible at any time without leaving your home. Using the Sberbank Online@yn service, you can not only manage your deposit, but also make transfers via the Internet. To do this, you need to use self-service devices using plastic card or through Mobile bank get user id and password to login.
Informing customers about various changes in the terms and promotions of the bank is also possible by e-mail, if it is specified in the customer database. But along with the latest services in Sberbank, unlike many other banks, they also use such a means of displaying information about deposit transactions that is familiar to many depositors, like a savings book. You can also get an account statement at any time by contacting a bank branch.
Term deposits are the main passive base for any financial and credit institution. Therefore, each bank has a large range of deposit products designed to meet the needs of all segments of the population. One such product is a savings account with Sberbank. Its main difference from all other deposits is that it has an unlimited duration.
How to open a savings account
This type of account is intended only for use by individuals. They can arrange it in the following ways:
- Contact the nearest branch of Sberbank with a civil passport or any other identification document. to open an account and deposit the necessary amount of funds into it.
- Also, individuals are given the opportunity to open a savings account with Sberbank online through the official website of the bank - the official website of the bank using the Sberbank Online system. It is enough to open the page on the tab "Private clients" and in the drop-down menu "Accumulate and save" select "Savings account".
In the window that opens, there will be a button "Create an account" - you need to click and then just follow the prompts on the screen and carefully fill in the data in the fields.
Deposit terms
The main characteristics of this banking product:
- The deposit can be opened in Russian rubles, US dollars, euro.
- The interest rate depends on the amount of the installment and varies in the range:
- from 1.5% (amount from 30 thousand) to 2.3% (from 2 million) for rubles;
- from 0.1% (from 0) to 0.4% (from 100 thousand) for US dollars;
- from 0.1% (from 0) to 0.4% (from 100 thousand) for euros.
- The term of the deposit is indefinite.
- There are no restrictions on the minimum amount of the account balance, as well as minimum amount for replenishment.
Who will suit
As can be seen from the above conditions, it will not be possible to receive large incomes on this deposit due to its very low interest rate. Although, if the client contributes a very large amount of money, then this is possible, but not economically feasible.
If the client aims to make a profit, he will choose a deposit with higher interest rates. Following this logic, we can say with confidence that it is designed primarily for people who want not only to keep their money in the bank, but also, if necessary, use them promptly.
A pleasant and demanded condition for such a deposit is free withdrawal - up to zero balance, and replenishment of the account - absolutely for any amount. These operations can be carried out both in cash and non-cash.
In addition, the calculation of interest allows customers to receive, albeit insignificant, but still income. It should be noted that when withdrawing funds, interest is not recalculated at a lower interest rate.
The client himself determines for what period he wants to make a deposit, and the term of the agreement can be set even after opening an account.
Opening a savings account with Sberbank should be for those individuals who want to have constant freedom to manage their money, while ensuring their complete safety.
How to open a deposit in Sberbank: Video
Surely everyone at least once heard the banking term - savings account. Do you know what it means and what benefits a client can get from opening such an account? Not? Then let's figure it out together.
What is a savings account?
A savings account, also called a savings deposit, is a product that banks offer to their customers. It's about saving money. individual at low interest with unlimited opportunities for free use (withdrawal, replenishment) of the money in this account.
Typically, banks offer opening such an account in three currencies:
- rubles;
- dollars;
- Euro.
A deposit is made for the initial payment, which can be called symbolic. The deposit is perpetual with the ability to replenish it and withdraw money at any time. The bank accrues interest on the account balance on a monthly basis, which can be from 0.01% for foreign currency deposits and up to 3-8% for savings deposits.
"What's the point?" – or why open savings accounts?
The rate on the savings account is small, so it will not work for a simple client to earn on interest. Then why do we need such a banking product? It turns out that savings accounts have their advantages:
- there is no limit on the amount of withdrawal (transfer), as on other accounts, debit cards;
- there are no restrictions on the amount of storage that can be constantly replenished (regular deposits include contributions to certain amount on which interest is charged);
- withdrawal of the entire amount does not lead to the closing of the savings deposit;
- interest is capitalized on a monthly basis.
Savings account is great for cash and non-cash transfers and calculations.
What do you need to open a savings account?
To open a savings account, a person needs to contact a bank. You should have with you:
- the passport;
- money to deposit.
At the bank, the client fills out everything Required documents and signs the contract. There is another way to open a savings account. To do this, you must be a bank customer and have a registered online banking service (Internet service). There you need to find deposits and select operations for opening accounts, including a savings deposit.
What do Russian banks offer their clients when opening a savings account?
Consider on concrete examples, which is included in a product such as a savings account.
- Offer from Sberbank. Sberbank is considered the most reliable bank protected by the state. A client can open a savings account in this bank at any branch or online. For a deposit in rubles, the bank offers 1.5-2.3% per annum, as for the currency (dollar / euro), the rate is 0.01%.
- Offer from Tinkoff Bank. Opening a savings deposit bank Tinkoff can be made both in the office and in online banking. The bank offers its clients the following savings account service package: Free registration online. An annual rate of 6% on a deposit opened in rubles. As for foreign currency accounts, the rate on them is 3%.
- Offer from Post Bank. Interest starts from 1000 rubles and reaches the level of 7% per annum, according to the gradation of the availability of funds in the savings account.
A savings account opened with a bank is best way manage your funds, which frees you from the need to save large sums cash at home. At the same time, you can freely make payments both at the bank branch and in the online banking system.
Banking institutions have not used the registration of deposits with the help of passbooks for a long time, using electronic accounts for this. One of the reasons for abandoning such an outdated banking product is the low opportunities for its owner.
The savings book does not fall under the law on deposit insurance, all monetary transactions must be in without fail be declared. In addition, if the bearer document is lost, anyone can use the funds, and this reduces the level of protection for the client's savings.
Despite this, there remains a category of Russians, as a rule, the older generation, who cannot refuse such a habitual way of keeping money. banking technologies do not stand still and more comfortable options for use are provided for such customers. 
The deposit with a savings book is gradually fading into history, but many customers still have some kind of banking product
The ability to check the passbook by the online account number in Sberbank allows you to control the balance and receive a statement of transactions.
For people using this traditional storage method own funds the same traditional and easiest way to check the balance is typical - visiting a bank branch. The client's actions are as follows:
- with a passport and a savings book, go to the branch where the account is opened;
- get a ticket through the terminal electronic queue;
- present documents to the operator with a request to check the balance;
- the operator checks the compliance of all data and announces the state of the account.
Branch is the easiest way to find out the balance from the book Here, in the bank, the client has the opportunity to carry out any operations: withdraw money or replenish the balance. The transactions carried out will be indicated by a mark on the page of the savings book.
An easy way to check your balance online
There is the most comfortable way to check the balance - through Sberbank Online. This procedure has many advantages:
- remotely check the balance at any time;
- track completed transactions in the payment history;
- without visiting a bank branch, to pay for utilities and other services, state duties, fines, taxes, mobile communications etc.;
- make money transfers.
Thus, the most convenient thing that a passbook allows you to do now is to check your account online. But first of all, you need to connect to the remote access of Internet banking. What is needed for this:
- visit a bank branch;
- write an application for attaching a savings book to the Internet service, conclude an UDBO agreement;
- then the client is given an identifier (user login) and a password to enter the system;
- a bank employee will explain how to log in to Personal Area and how to check the passbook account through Sberbank Online.
Online may be increasingly used by bank customers and passbook holders An even simpler option is when the user has a bank card: he will be able to independently carry out the procedure through an ATM. To do this, you need to insert a card into an ATM, select the "Sberbank Online" section in the menu and then perform all the manipulations according to the instructions. The ATM will issue a check, where the login and several one-time passwords will be indicated.
How to check balance online
Get ID and password, already on your home computer, go to the bank's website and authorize in the system. It is advisable to immediately change the password to a new one and write it down separately. Then there will be no need to look for an ATM receipt with passwords every time. Upon logging in, the client will immediately see all his accounts on the main page. Here you can view all cash transactions. The use of the internet service is free.
There is another option, how to always be aware of receipts on a savings book. For this you need a map. How to do it:
- you need to contact the bank with a passport and a book;
- select the “Cards” section in the electronic queue terminal;
- get payment card;
- issue an order to transfer funds from the book to the card immediately after they are accrued;
- you can connect SMS messages to the card, which will notify you of the arrival of money (pension, etc.).
To carry out the procedure, you will need to pay for the annual maintenance of the card and SMS service.
Sberbank passbook: deposit or current account
Often the owners of savings books are confused about which account is opened on it - current or deposit. Consider the characteristics of each and their differences.
The current account is used to calculate salaries, pensions, make payments, receive and send transfers, and withdraw cash. It is not suitable for saving or investing. Its essence is the instant withdrawal of money at the first request of the owner of the book. Interest on the balance is not charged, and if they exist, then they are minimal.
essence deposit account in that it is opened for the accumulation of funds and receiving additional income. Money is deposited on the deposit at a certain percentage (according to the agreement), which cannot be withdrawn until the expiration of the agreement.
In practice, the main difference between accounts is in access to funds: any operations can be carried out on the current one at any time, and access to deposit is closed until the end of the term.
By registering in the online service, the client receives regular access to the status of his account When passbook owners ask what account they have, they simply do not understand the essence of this banking product. The book is tied to the current specific account and at the same time works as a bill of exchange or security to the bearer. It is not a personalized means of access to money client. Therefore, banks are gradually moving away from this way of storing money.
Conclusion
Many have long been accustomed to using bank cards and consider the savings book a relic of the past, but there is a category of Russians who still use it in their lives. Although this is a deprecated attribute, this does not mean that it cannot be used in a modern way. For such clients, it is very important to know how to check the balance of a Sberbank savings book via the Internet. For many holders, this method will seem much more difficult than the traditional option of visiting the bank. But having studied it, the client receives a comfortable tool for controlling his balance and conducting cash transactions. Now there is no need to contact the bank office: it is enough to have a computer or mobile device with Internet access at hand, and in a few minutes a complete analysis of the movement of funds appears in front of the client.
