Sberbank Online: login to your personal account. Sberbank Online: login to your personal account Sberbank hotline phone

Sberbank of Russia is the largest bank in our country, which has representative offices and branches in every city of the Russian Federation. It is Sberbank that provides the widest range of services to individuals and corporate clients. The peculiarity of the bank is that it is here that about 70% of all bank clients are served, respectively, the level of its service meets the highest requirements of a private client. However, consider the order of all the services of Sberbank for individuals for today.

Lending to individuals

At all times, consumer lending has been one of the most demanded banking products. In Sberbank, individuals have the opportunity to obtain an un-earmarked loan in the amount of up to one and a half million rubles. The bank offers several loan programs with different interest rates:

• unsecured consumer loans from 13.9% per year;
• loan secured by individuals with a rate of 12.9% per annum;
• loan for private household plots rate from 17% per year;
• loans to military personnel of the NIS - interest rate from 13 5% per year;
• loan secured by real estate from 12% per year.

As you can see, the rates on non-targeted consumer loans are quite low, and the bank gives more preference to salary clients, it is for them that the minimum annual interest applies. The annual rate will be increased if the borrower refuses to insure personal risks.

Please note that credit conditions are strictly individual for each potential borrower and will depend on many factors.

Mortgage credit lending

Sberbank specializes in the issuance of mortgage loans, it is he who is the leader in the issuance of loans for the purchase of housing. There are several programs for potential borrowers:

1. Buying a finished home - rate from 8.9%.
2. Promotion for new buildings - 7.4% per year.
3. Mortgage plus maternity capital - interest rate from 8.9% per year.
4. A loan for the construction of a residential building - an interest rate of 10% per annum.
5. Military mortgage - rate from 10.9% per year.

You can apply for a mortgage loan without leaving your home on the bank's official website. The terms for consideration of the application can be up to 5 working days. Here, a mortgage is available for citizens of the Russian Federation aged 21 to 65 years inclusive.

Refinancing loans

Sberbank offers individuals such a service as refinancing loans from other banks. This service is beneficial for you customers who pay loans in other banks with a high interest rate or have several loans in different banks. The essence of refinancing is that Sberbank repays the client's loans at the expense of his credit funds, after which the borrower pays only one loan to Sberbank. The benefit of the service is that the interest rate on a refinancing loan is several points lower than rates in other banks. In addition, there is an opportunity to receive funds for urgent expenses.

Please note that refinancing a loan from other banks is only available to customers who do not have current overdue debts.

Plastic cards

Credit and debit cards are always in massive demand among individuals. Sberbank offers a wide range of plastic cards that can satisfy the needs of each client. Here you can apply for a card from Visa, MasterCard and Mir payment systems. Depending on the level of income, the bank offers classic, gold platinum cards. In addition, here the client can apply for a co-branded card, for example, Sberbank Aeroflot Bonus, or take part in the Gift of Life charity program.

The main advantage of Sberbank is that it offers its users to issue a card with an individual design. The cost of this service is only 500 rubles. By the way, one cannot but say that it is in Sberbank that you can issue a debit card for a minor child from 7 years old. Her account will be linked to her parents' main card. And also here you can get an instant issue card in just 15 minutes.

Please note that the cost of servicing a plastic card depends on several factors, first of all, on its status.

Invest and earn

Surely every potential client is interested in the opportunity to make money with Sberbank. And here such an opportunity is provided. Here you can open a deposit on favorable terms for yourself, the bank offers several deposit offers with different terms of service and interest rates. In addition, the bank's card clients have the opportunity to receive a higher percentage of the deposit when opening an account remotely through Sberbank online.

You can also open a nominal account in Sberbank for crediting social payments. Its peculiarity is that it has no time limits, and also allows its users to receive up to 3.67% in rubles on the account balance. The minimum amount of the balance is not limited. The bank offers the following investment services to private clients:

• individual investment account;
• mutual funds;
• protected investment program;
• accumulative life insurance.

What are investment services of Sberbank for individuals. First of all, it is a real opportunity to earn additional funds. In simple terms, the bank takes into trust the money of its clients, and invests their reliable projects, which in the future will bring passive income to the owner of the investment.

The bank offers such a service as an individual pension plan, that is, in fact, it is a non-state pension fund of Sberbank. Individuals have the opportunity to independently form the funded part of their future pension. To use this service, it is enough to open an account remotely, then sign an agreement, which the bank employees will send to the email address, and deposit at least 1,500 rubles from the card; in the future, the account can be replenished by at least 500 rubles at a time.

Important! Funds in the pension account are reliably protected, they are not subject to seizure and collection.

Brokerage services

Brokerage services of Sberbank to individuals have recently become quite popular. First of all, it should be noted that an individual cannot become a private investor without intermediaries, or, more precisely, invest his capital in securities. Here the bank offers a unique opportunity to conclude a service agreement and become a full-fledged participant in trading on the Moscow Exchange.

The cost of brokerage services of Sberbank for individuals ranges from 0.165% to 0.006%, depending on the amount of the transaction. It should be noted that service is carried out in each office of Sberbank, the service has now been used by 180,000 private investors. In order to become a client, you just need to contact any bank branch and conclude an agreement.

Payments and transfers

Sberbank of Russia provides an opportunity to pay for various services in several ways: using remote services, bank cash registers or self-service devices. You can make the following payments:

• utilities;
• traffic fines;
• taxes;
• cellular services;
• the Internet;
• loans from other banks.

If you are a bank card client, then it is possible to make all payments online through the Sberbank online system. Tariffs for Sberbank services for individuals are quite loyal, in order to make payments to government and non-government organizations, you will have to pay a commission of 3%, for housing and communal services and a mobile phone there is a commission of 2%. When paying for a loan at Sberbank, as well as transferring to charity, no commission is charged for tax fees.

Important! The minimum commission fee is at least 20 rubles.

other services

The services of Sberbank of Russia provided to individuals are quite diverse. For example, here, in addition to the standard cash deposit, you can open a metal account. The essence of the service lies in the fact that you buy precious metal or coins from precious metals from Sberbank, and receive a profit in the form of a difference in value. Among other things, you can pick up metal bullion or get it in monetary terms.

Sberbank also provides services for renting safe deposit boxes at a reasonable cost. Unfortunately, not all Sberbank banks have specialized rooms with bank safes yet, so this information should be clarified in advance. The rental price depends on several factors, primarily on the size of the bank safe and the period of its use.

You cannot bypass the bank's insurance services. The bank offers several types of insurance, namely: insurance of personal risks, property, travelers and comprehensive insurance. On the official website of the bank, you can choose the type of protection that you or your relatives need. The cost of the policy and the amount of insurance coverage directly depend on the set of insurance risks. You can buy a policy directly at the office of a credit and financial institution or online on the bank's website. But it should be borne in mind that the service is provided by Sberbank Insurance, a 100% subsidiary of Sberbank of Russia.

Remote services

Finally, another service Sberbank provides to individuals is remote services: Internet banking and SMS informing. First of all, these services are available to users of plastic cards. To get access to them, you just need to first issue a plastic card, then connect all services to a Sberbank branch or through an ATM.

As for the cost of remote services, there is no fee for Internet banking. In addition, if you have access to your personal account in the system, you can download the Sberbank Online mobile application for free and have access to your personal account at any time of the day, regardless of location. For SMS-informing Mobile Bank you will have to pay a symbolic cost, which ranges from 0 to 60 rubles. Payment for gold and credit cards is 0 rubles.

Sberbank has been providing services to individuals for over 100 years. Moreover, he really offers the widest range of services for individuals. By the way, if you want to become a client of the bank, you can find a description of each service and its cost on the official website.

Sberbank of Russia is the very first credit institution in the country. More than 50% of Russian citizens are clients of the financial institution. Like other credit organizations, Sberbank has its own website.

Most of the bank's clients use its services in a traditional way. The official site of Sberbank allows you to perform almost the same operations much faster, without queues and delays. Let's find out what functionality the Sberbank website has, how a client can find the necessary data, etc.

Home page

The conservative approach to the provision of services was reflected in the design of the official website of Sberbank, which is located at www.sberbank.ru. The discreet design of the pages can give odds to any other bank. Ease of use is hidden behind the external unpretentiousness. Sberbank official website is one of the simplest, and most importantly - understandable for the user. It is easy to find the information of interest here, whether it be data on the products provided or tariff plans that cannot be found on many sites of other banks during the day.

The main page of the official website of Sberbank consists of several "headers". The topmost one is the categories of clients for whom the entire list of services provided has been prepared.

Lending

When you select any product, its detailed description opens. In addition to the standard conditions, here you can also find out how to get a loan, what documents to bring to the bank, what requirements are set for borrowers, etc.

Here you can familiarize yourself with the loan agreement, read the specific conditions in the lending rules, learn about ways to repay debt, etc. One page contains a maximum of information on one specific product, when, like on many sites of other banks, all data is scattered across different pages and tabs. For this, the site gets a definite plus.

For convenience, you can calculate the loan using a special loan calculator from Sberbank. It is not so convenient to use it, because there are too many required fields to fill in and half of them are absurd, for example, gender. This factor may affect the decision on the application, but at the stage of preliminary calculation it seems absurd. Here you can see only the amount of the monthly payment, bypassing such important data as the total cost of the loan.

Payment for services and transfers

The "Pay and Transfer" tab will help clients learn about the methods of payment for utilities, cellular communications, the Internet, fines, payments on loans, etc. Here are the commission rates for each operation depending on the payment method (Internet banking, ATMs, mobile applications, etc.) This tab also contains detailed conditions for money transfers within the country and abroad.

The "Invest and Earn" tab will help the client to understand the choice of a suitable service that Sberbank can provide (brokerage services, mutual funds, etc.). Information about the coins on sale is also provided here.

Insurance

The "Insure yourself and property" tab will allow a current or potential client to insure an apartment, debit or credit card, life and health online.

Additional features

There are very handy widgets on the main page of the site. For example, a currency converter, where online you can calculate dollars in rubles or another currency at the bank's rate; see the current rate of the euro / dollar against the ruble, precious metals.

Sberbank was one of the first to develop a special project called "Finance is simple". Here everyone can learn more about standard banking services and products in simple instructions and colorful pictures.

What is the most useful on the site and why? What is missing?

On the official website of Sberbank, everything is to the point, everything is in its place. It will be easy for the user to find the necessary information on any product of the bank. The entrance to Internet banking is in the most prominent place - at the top of the main page. At the bottom there is a sitemap, where it will be even faster to find the desired product.

But the biggest plus to Sberbank can be given for the fact that on each page of any product there are specific documents on it (exact conditions, tariff plan, agreement, etc.) Unfortunately, banks on their websites colorfully describe the same loans, indicating only summary information. And to find the details, you have to look for the relevant documents for a long time. Sberbank, on the other hand, does not hide or "hide" anything; on the contrary, it puts everything on display. Plus for honesty.

Contact Information

It is quite easy to find the contact information of Sberbank on its official website. The hotline phone number for free calls from any phones is indicated in the header of the main page of the site. There is also a support number for Moscow and Moscow region, you can find all branches in a particular city.

At the bottom of the main page there is a special widget that automatically finds the nearest branch, ATM or terminal in your city. The user just needs to enter a street or metro station, select a service point and press the "Find" button.

Bank details (BIK, TIN, correspondent account, etc.) are located in the bottom menu of the main page in the "About bank" - "Bank details" tab.

This page only provides information about the services and products of Sberbank and is in no way connected with the bank itself. All logos belong to their respective owners. This page only informs about the services of Sberbank. The exact conditions for products, tariffs, check in the branches of Sberbank.

The history of Sberbank of Russia begins with the personal decree of Emperor Nicholas I of 1841 on the establishment of savings banks, the first of which opened in St. Petersburg in 1842. A century and a half later, in 1987, on the basis of state labor savings banks, a specialized bank for labor savings and lending to the population was created - Sberbank of the USSR, which also worked with legal entities. The Sberbank of the USSR included 15 republican banks, including the Russian Republican Bank.

In July 1990, by a decree of the Supreme Council of the RSFSR, the Russian Republican Bank of Sberbank of the USSR was declared the property of the RSFSR. In December 1990, it was transformed into a joint stock commercial bank, which was legally established at the general meeting of shareholders on March 22, 1991. In the same 1991, Sberbank became the property of the Central Bank of the Russian Federation and was registered as a joint-stock commercial Savings Bank of the Russian Federation.

In 1998, Sberbank managed to withstand the default on GKO-OFZ - largely thanks to the support of the Central Bank of the Russian Federation and an increase in settlement service fees. At that time, the share of government debt in the bank's assets was 52%, and the loan portfolio accounted for only 21% of net assets.

In September 2012, the Central Bank of the Russian Federation sold a 7.6% stake in Sberbank to private investors for 159 billion rubles, or almost 5 billion US dollars. The bank's ordinary and preferred shares have been quoted on Russian stock exchanges since 1996, American Depositary Receipts (ADRs) - on the London Stock Exchange, Frankfurt Stock Exchange and the US OTC market.

In 2012, Sberbank closed the merger deal with the Troika Dialog investment company (transformed into the corporate investment structure Sberbank CIB, and the Troika Dialog retail bank was sold to a group of private investors in the fall of 2013).

Also in 2012, a deal was closed for Sberbank to purchase a majority stake in its subsidiary Russian retail bank from the French group BNP Paribas (now the joint venture operates as Cetelem Bank, Sber's share of 79.2% has not changed since May 30, 2018).

In 2013, the official launch of the Sberbank brand in Europe took place. The purchase of DenizBank was completed in September 2012 and was the largest acquisition in the bank's more than 170-year history. However, in May 2018, Sberbank entered into a binding agreement to sell a business in Turkey. In July 2019, the sale of DenizBank was closed.

Sberbank accounts for about 41% of all loans to individuals, as well as more than a third of private deposits and loans to legal entities in Russia. Back in 2012, Sberbank overtook the former leader in the credit card segment - Russian Standard Bank. The share of Sberbank's mortgage portfolio in the structure of such a portfolio as a whole in the banking system is about 57%.

Sberbank ranks 32nd in the world in the annual rating of "1000 largest banks in the world 2019" by The Banker magazine.

As of August 1, 2019, the lending institution's net assets amounted to 28.83 trillion rubles, the volume of its own funds - 4.30 trillion rubles. At the end of the first half of 2019, the bank demonstrates a profit of 519.67 billion rubles.

Subdivision network:
head office (Moscow);
2 representative offices (Beijing, China; Frankfurt am Main, Germany);
89 branches (88 - on the territory of the Russian Federation, 1 - New Delhi, India);
13,220 additional offices;
578 operational offices;
285 mobile points of cash operations;
90 operating cash registers outside the cash register.

The geography of Sberbank Group covers 21 countries, including the Russian Federation. In addition to the CIS countries, Sberbank is represented in Central and Eastern Europe (Sberbank Europe AG, formerly Volksbank International), Great Britain and the USA, Cyprus and a number of other countries (corporate and investment business of the Sberbank CIB Group).

Owners:
Bank of Russia (Central Bank of the Russian Federation) - 50.0% + 1 share;
shares in public circulation - 50.0% - 1 share.

A 45.04% share (publicly traded shares) belongs to non-resident legal entities. The total number of the bank's owners exceeds 253 thousand shareholders.

Supervisory Board: Sergey Ignatiev (chairman), Gennady Melikyan, German Gref, Sergey Shvetsov, Nadezhda Ivanova, Bella Zlatkis, Olga Skorobogatova, Maxim Oreshkin, Valery Goreglyad, Nikolai Kudryavtsev, Leonid Boguslavsky, Alexander Kuleshov, Esko Aho, Nadia Wells.

Governing body: German Gref (chairman, president), Alexander Vedyakhin, Lev Khasis, Oleg Ganeev, Bella Zlatkis, Svetlana Kirsanova, Stanislav Kuznetsov, Alexander Morozov, Anatoly Popov.

It has a rich history and impeccable reputation. It is a serious, stable bank trusted by millions. Sberbank of Russia is always there!

Over a long history of development, the bank has managed to maintain its main qualities and today it is a vivid indicator of professionalism. It is a modern financial company that follows the best traditions. That is why more and more Russians prefer it.

Sberbank of Russia today

Sberbank of Russia takes an active part in all aspects of the population's life. He is familiar to both young people and people of the older generation. The once famous savings banks and savings books are still associated with stability and reliability. The modern generation is well versed in the existing proposals on the country's financial market and chooses the best options for themselves.

The question of investing money worries many. It is important to properly manage your funds and choose a reliable partner. Sberbank of Russia remains stable under any circumstances. Thanks to flexible programs and loyal conditions, it has gained popularity among the population. The Savings Bank of the Russian Federation has all over the country. You can find the contact details of the main branch and representative offices in the regions, as well as details and directions, on our website.

PJSC Sberbank of Russia

For the convenience and comfort of our clients, our site was created as an information resource. With its help, you can quickly navigate the numerous services provided by Sberbank of Russia. Here you will find practical recommendations, advice, get the necessary links, information about branches, their location, contact information. On our website you can familiarize yourself with the services provided, here you can find all the current offers and client programs.

MORTGAGE FOR YOUNG FAMILY

ONLINE BANKING

Sberbank online is a great opportunity, without leaving your home, to perform a lot of financial transactions: pay for utilities, instant transfers to anywhere in the world and much more. This service will appeal to everyone who values ​​their time and efficiency. We suggest that you familiarize yourself with the instructions for connecting this service and its benefits.