How to open a personal bank account. How to open an account in Sberbank of Russia

On the territory of the Russian Federation, it is allowed to open accounts in financial institutions involved in attracting free funds (banks), both legal entities and individuals as individual entrepreneurs or ordinary citizens. The client of the bank can use his account as:

The procedure for opening an account for an individual is simple, but quite specific. And all because, having come to the bank, a rare client knows exactly what type of account he needs and for what purposes it is intended.

On this moment the following exist:

Current account. It serves to store funds and carry out the necessary settlement or other financial transactions. It is also called a worker because it is used almost constantly to receive and send money, make payments and other transactions.
Card account. All card accounts are linked to the current accounts of their customers and are designed to increase the ways to access funds. All plastic cards are divided into 2 types:

Debit. These are cards designed for all kinds of payments (salary, scholarship, pension, alimony, different kinds social benefits) or simple replenishments. With their help, the client can withdraw from ATMs the amount within the balance of money on the card, and he also has the right to pay for goods and services without exceeding the available balance of funds.
Credit. In this case, the client can pay for goods and services, withdraw money at the cash desk or from an ATM within the credit limit set by the bank. For example, a card limit of 3,000 rubles means that a subject can use an amount from the card that does not exceed the specified limit.

Opening a bank account for an individual, whether it is a debit or credit, will not be difficult. The whole procedure takes a matter of minutes. The client should first find out how much it will cost him to open such an account and receive a card, what percentage will be charged for withdrawing cash from an ATM or cash desk, whether it will be possible to use it abroad.

If the card is a credit card, be sure to ask if there is a grace period, and what is the mode of its application, what is the interest rate and the minimum monthly payment.

Deposit accounts. This type is intended for those people who care about preserving and increasing their funds, therefore such accounts are called or. Funds are deposited into the account for a specified period. The longer it is, the better for the user, since the level of the deposit interest rate depends on the duration of the contract for servicing a deposit account. If the client wishes to withdraw the amount before the agreed period, then this percentage can be significantly reduced: it will be recalculated based on the current rate on demand deposits, and it is always very low in banks - about 1%.

Many financial experts are convinced that it is the last two types of accounts that have become the most popular among individuals.

What do you need to open

To open a bank account for an individual, you need to choose the most suitable bank and collect a package of documents necessary for opening. Required Documents:

passport;
certificate of assignment of the TIN of the taxpayer.

They are necessary for the bank to be able to identify its future client. If an individual is going to open a credit account, then in this case, in addition to the standard set of documents, the bank has the right to require the provision of a certificate of income and family composition in order to verify the financial reliability of the applicant. An important role is also played by the client's education and credit history - whether he had delays in previous payments.

For non-resident individuals, it is accompanied by the submission of the following documentation:

Passport - indicating the opening of a visa or with a permit for temporary residence in Russia.
If the client wants to deposit a certain amount in foreign currency into the created account, he will have to indicate the sources of the formation of these funds. For example, receiving moral compensation for damage to health or property, appropriation of an inheritance, etc.

To open one of the above types of accounts, individual must conclude an agreement with the bank on the provision of such a service.

Many people can devote a very long period of time to choosing a bank that they can trust with their cash. Usually preference is given to the oldest and largest financial institutions.

However, if you are an employee of a large company, then when applying for a debit card for paying wages, you, like other employees, will simply be confronted with the fact that the company has entered into an agreement with a certain bank. The situation is not critical. As a rule, organizations try to choose the most reliable banks in order to protect their employees from unforeseen financial conflicts, for example, the loss of money as a result of a bank failure.

The state took care of the creation of special funds that will guarantee payments to bank customers in the event of its bankruptcy. This is the Deposit Insurance Agency. Therefore, before opening an account with the selected bank, make sure that it is a member of this organization.

The most common problem of all individuals is the conclusion of an agreement with the bank. You need to read each paragraph of the document very carefully. Do not just read every line, but also demand an explanation of a moment that is incomprehensible to you. If you do not adhere to this rule, then in the future you may encounter a number of unforeseen and rather unpleasant situations for both parties.

If you want to have your own settlement in the Bank, but are not an entrepreneur, OJSC, CJSC, LLC, you can choose one of the following products:

Current (working)
card
Deposit

Current account

Banks can call this type of account in different ways: working, settlement, on demand, simple savings, etc., but the essence remains the same: it can be used to make credit and debit transactions. Opens in rubles, dollars or euros.

The main feature of such an account is that you can use the money at any time and are not limited by the maximum possible transfer amount. To open a bank account, you will need a passport and, in some cases, a TIN certificate.

The disadvantage of this type of account is that you can withdraw cash only through the bank's cash desk.

Card account

The easiest way to open a bank account for a private person is to issue bank card. You will not only become the owner of a full-fledged current account, but also get access to it in the form of a plastic card. Unlike a current account, cash can be withdrawn at any ATM, and there are more than enough ways to replenish cards - through payment, Bank branches, Russian Post, money transfer systems, etc.

This type of account also has its drawbacks - restrictions on the amount of withdrawal and transfer (daily and monthly limit). It is opened mainly in rubles, but many banks also provide foreign currency cards.

Deposit account

The first thing you will be offered when you come with a request to open a bank account for an individual is a deposit account. Otherwise, contribution. This type of account is not subject to commission, but on the contrary, it provides for the calculation of interest. The main feature is the restrictions that can be set:

The minimum amount of the initial deposit to the account;
The period during which you can not withdraw money;
Inability to replenish the account;
Commissions for early withdrawal of the deposit.

However, in the deposit line of each Bank there are deposits with a minimum set of restrictions, but the interest on them, respectively, is much lower (on average, from 0.1% to 6.9%). However, if your main goal is settlement transactions, you can use this option, especially if you need to open a bank account online for an individual. The easiest way to do this is through Internet Banking. Literally in two steps, which will take you no more than 2 minutes, you will become the proud owner of a deposit 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 uniform and valid for any locality 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 Omsk, Tyumen region and Khanty-Mansiysk, Yamalo-Nenets autonomous regions. 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 Sberbank branch 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 go to your Personal Area 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 the rest.

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 be standard contract, which will include your data and data on 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 to the desired branch new map comes 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 case 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 apply to 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, for example, you have 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 in a month the funds will be written off to pay off the debt.
A credit card is issued by Sberbank only according to your passport regular customers who have active 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 with your passport work book, 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). Make a transfer of funds from credit card to another own account or to the account of a third party is not possible.

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 similar incidents must remain vigilant and vigilant. 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;
number mobile phone to which the card or PIN is connected.

If you have any suspicions or exact information that the data came to 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.

According to the norms of domestic legislation, any citizen or organization has the right to open a bank account. It is noteworthy that their number is not limited. The law quite clearly states that the relationship between the bank and the client (individual or legal entity) is regulated by an appropriate document - an agreement on settlement and cash services.

When you choose which bank is better to open an account, here you should focus on the following criteria:

Fee for opening and further maintenance;
. availability of the “Bank-Client” service (it is important to clarify whether such a service is available at all, how much it costs, how quickly it can be accessed);
. location of the banking institution;
. availability for customers (granting a loan on favorable terms, for example).

Opening a bank account is much easier. First of all, we come to the selected financial institution, not forgetting to grab a passport of a citizen of the Russian Federation. Next, you should state your intentions to the service manager. And here you have two options. The first one is the opening, in other words, a deposit. Yes, he will allow you to receive, however, the main inconvenience is that until a certain point it will be impossible to withdraw your funds. Or rather, you can pick it up, but then you can’t count on additional profit. The second option is to open a bank account that will be used for regular cash withdrawals and deposits. It's usually called "On Demand" or something like that.

In the event that an enterprise intends to open a bank account, it will need to provide a lot of documents. Moreover, their set does not change much from one financial organization to another. You usually need to provide:

A copy of the registration certificate (either from the USRIP or from the USRLE);
. a copy of the charter;
. a letter notifying of the assignment of statistics codes;
. a copy of the certificate confirming that entity or individual entrepreneur registered in local authority FTS.

In addition to all of the above, you will need to provide copies of orders that indicate the appointment of a citizen of such and such a director (+ election protocol), and a citizen of such and such as a chief accountant. Of course, all papers submitted to a financial institution must be notarized.

After signing the relevant agreement, which reflects all the necessary details, you should immediately go to the tax authority to report the start of using the new one. The law allocates a week for this. Do not invest in it - prepare 5 thousand to pay the fine.

Issue price

Now let's see how much it costs to open a bank account. Pretty serious question, right? Monitoring of the domestic financial services industry shows that individuals may not worry about this: for them, everything is "at the expense of the company." But the legal will have to look suitable option. You can get the service for free at Moskommertsbank. All of their competitors offer a paid service. Moreover, the money will have to be paid not only for the opening, but also for further maintenance.

Instruction

When concluding a service agreement with the bank as an individual, it will be enough for you to take your personal passport and a certain amount of money with you. So, in Sberbank of Russia the minimum amount to open a personal bank account is 10 rubles. If you are a citizen of a foreign state, then in order to open an account you will also need to provide a document confirming your right to stay in Russia.

Explain to the bank employee working in the deposit operations department what kind of account you need, ruble or currency, what types of monetary transactions you want to make with it. Based on your wishes, the most suitable best option bank account. Before concluding an agreement, carefully study its terms, pay attention to the interest charged by the bank when its client makes financial transactions.

If the conditions suit you, conclude an agreement for the opening and maintenance of your personal account with the bank, providing its employee with your passport data. Your copy of the drawn up agreement must have the same seals and signatures as the one left in the bank.

Leave a sample of your signature in a special bank card for its subsequent identification. In the future, all documents signed by you at this banking institution will have to have the same signature as in the sample.

After concluding a banking service agreement, you can deposit funds into your account. You can do this in the window of the bank's cash desk, taking with you your copy of the contract, your passport and the amount of money. In some banking institutions, employees independently transfer information about a new client to each other, and in this case you will not have to present a service agreement to the cashier.

When opening a personal account, you can immediately order a plastic card, which will allow you to manage your funds more quickly. In particular, to withdraw money you do not have to go to the bank, you can use almost any ATM. In addition, you will always be aware of all transactions on your account.

Some banks additionally offer an Internet banking service that allows you to manage your account via the Internet. At a minimum, this service only allows you to view financial information. This is quite convenient - you will be able to view all the details of financial transactions, while you can not worry that someone will steal your data and use it to withdraw money from your account.