Open a brokerage account at Sberbank. Broker Sberbank: reviews. Brokerage services: conditions. Feedback on an individual investment account

Fifth Horseman of the Apocalypse , 30/01/2019

Application performance.

Hello ladies and gentlemen.
If you have a dilemma before choosing a trading platform for mobile trading and you are inclined to choose such an instrument as Sberbank Investor, then read my subjective review.
I have been using the application for several months and consider it one of the worst for mobile and operational trading.
The terms of the contract do not differ coordinately from other aggregators. It is also a depositary, a certified broker and acts as a tax agent. Yes, do not be upset when personal income tax is withheld from you when withdrawing funds.
Health:
1. Low application performance, loads and lags at different stages.
2. Quotes of instruments are sometimes delayed.
3. Constant failures when connecting to the service, if you want to sell paper, then most likely you will not be able to quickly close the deal.
4. After viewing the graphs in a horizontal position, does not return the interface to a vertical position. You have to reload the application.
5. Selecting only those issuers listed on MOEX, no NASDAQ means no foreign stocks.
6. When withdrawing funds, the “Service is available on weekdays from 10:00 to 17:50 Moscow time” window often pops up and throws it into “other”, this is on a weekday, at 16:00.
7. No transaction history.
8. No account history.
9. There is no news about tools.
I would love to attach proofs for each item of my review, but there is no way to attach files. These are my subjective observations over several months of using this trading platform.
Maybe someday this will be fixed.
Thanks for attention.

Developer Response ,

Good afternoon! Thanks for your feedback. Apologize. We are working on stabilizing the app.

WinnorOkOmo , 07/11/2017

Well, it's unrealistic!

It enters only from the 10th time, the rest of the time you enter a password and wait until you get bored, an endless download!
Again, entering a password. Well, the 21st century! In SBOL you can use a wheelbarrow or a 5-digit code, but here is only a password. Kills ((
It hangs if there was a transition between Wi-Fi to mobile Internet or vice versa, or if it was on mobile Internet, which disappeared for a while, for example, in an elevator.

Developer Response ,

Good afternoon. Indeed, some customers had problems logging into the application on Tuesday. The problem has been localized. We apologize for the inconvenience. Touch id will be improved in future versions. Sberbank team

Sberbank comes up with a business proposal to its clients: you can earn more than on a deposit if you use the Sberbank Investor mobile application.

The presentation of the "electronic program" was held at a meeting of shareholders of Sberbank. It was presented as it should be by German Oskarovich Gref, President, Chairman of the Board of PJSC Sberbank of Russia.

This application is absolutely intuitive and any person who takes it for the first time in their hands will be able to make a transaction on the stock exchange,” the head of the company explained.

In early summer, the application appeared in the App Store, and in July 2017 in the Google Play Store.

The application allows you to increase personal income by buying and selling securities - shares and bonds of domestic companies and enterprises. Anyone who installs this mobile application will be able to become the owner of a share even in such a financial and industrial giant as Gazprom. With the application, you can purchase shares of large Russian companies (Aeroflot, Sberbank, etc.). By the way, in 2016, the shares of PJSC Sberbank grew by more than 70%.

However, it should be remembered that investment activity in the field of securities is a certain risk. Therefore, in order to have a better chance of success, the application is accompanied by the advice of experts and analysts.

First steps with the Sberbank Investor app

Before declaring yourself on the investment market, study the sections of the application:

• what kind of investor are you?
• where to invest;
• how to follow the market;
• how to navigate.

How to start buying and selling

Once you understand that the investment market is your environment, there are four steps you need to take:

• install the application on a smartphone;
• open a brokerage account with Sberbank;
• transfer funds to a brokerage account;
• choose investment offers and start earning.

Customer support phone number for online traders at Sberbank: 8 800 555 55 51

By the way, you can open a brokerage account and transfer money to it on the Sberbank website. The head of the company, German Gref, also said that it would be possible to open it in the Sberbank Investor app. To date, this can only be done in the divisions and branches of the bank.

Security in detail

The application has a pleasant and user-friendly interface. The software does not need additional settings, its functionality eliminates errors that novice investors are usually afraid of. The developers assure that Sberbank Investor is a full-fledged client for operating activities, and it is basically impossible to miss by “pressing the wrong button” or “buying something wrong”.

How to download and install the Sberbank Investor application in IOS

Everything is quite simple. In the App Store, in the search box, you need to enter "Sberbank Investor". The found application can now be downloaded and installed on iphone or ipad.

This program, if you do not register in it, provides a test access for a period of 30 days.

During this period, the client will be able to delve into all the subtleties of this program. The demo mode of the investment application allows you to view stock quotes online, place orders at training auctions. An amount of 100,000 rubles will appear on the investor's test account, with which it will be possible to try to conduct a number of conditional investment transactions. According to how the owner of the demo account conducts operations, the application will analyze the user's actions and display a report on the skill of the client at the auction or the aggressiveness of his actions, which could lead to sad consequences.

Important information

It should be remembered that in demo mode, some data may differ slightly from real trading on the exchange.

The application does not require much time for you to learn how to navigate it. The pictures on the screen are extremely clear. For example, after you start working with the application, one “click” is enough to see your personal investment portfolio and financial result.

One of the important conditions for the security of Sberbank Investor is protected information about all investment actions. In addition, the application will require you to enter the code sent via SMS in order to confirm the transaction.

Updated 09/06/2019.

There is a steady trend in the market towards simplification of clients' access to the exchange. Leading brokers try to make the process of opening a brokerage account and trading as convenient and understandable as possible. And, of course, Sberbank, the largest broker, is no exception either.

Previously, to conclude a contract for brokerage and depository services, it was necessary to come to the office, but now it can be done online without leaving home. A few years ago it was impossible to make a single transaction without mastering the QUIK program, the interface of which frightened off beginners, and the process of installing and configuring this terminal discouraged all the desire to invest.

Now, many brokers have convenient and intuitive mobile applications that everyone can understand. The most publicized of them is from Tinkoff Broker, but Alfa-Bank, Otkritie, VTB, etc. have similar products. The topic of today's article will be the Sberbank Investor mobile application.

We will consider the mechanism for opening a brokerage account with Sberbank, replenishing it, buying securities and currencies, and withdrawing funds to a bank account. We will also dwell on some features of an individual investment account with Sberbank, analyze commissions, and identify advantages and disadvantages. As an example, we will buy $1,000 using the Sberbank Investor app.

Before reading the article, it will be useful to refresh the memory of reviews of other brokers: (purchase of currency through QUIK was considered), (purchase of currency using the Alfa Direct terminal), (purchase of OFZ via webQUIK), as well as with their Tinkoff Investments mobile application.

Brokerage account in Sberbank. Advantages

1 Ease of opening a brokerage account with Sberbank.

The easiest way to open a brokerage account with Sberbank is through Sberbank Online. The "Open Brokerage Account" button is hidden in the "Other" - "Brokerage Services" section:

Next, we select the markets of interest to us: Stock (for buying/selling shares, bonds, ETFs, mutual funds, depository receipts), Currency (for buying/selling dollars and euros) and Derivatives (for buying/selling futures and options. This market is considered high-risk, so beginners should not climb there right away).

It is better to tick all the boxes, even if you do not need something at the moment, suddenly you will need it later. Sberbank has no service fee in the absence of transactions.

Then you need to choose one of two tariffs, "Investment" or "Independent", connection of both tariff plans is free. The "Investment" tariff has a single commission for transactions on the stock section of the Moscow Exchange at 0.3%. On the "Independent" tariff, the commission for transactions is less, with a turnover of up to 50,000 rubles per day it will be 0.165%, with a turnover of 50,000 to 500,000 rubles. - 0.125%, with high turnover, the commission is even lower. The owners of the "Investment" tariff pay an increased commission for the opportunity to subscribe to analytical reviews of the Sberbank team. Commissions for transactions on the Derivatives Market (0.5 rubles per contract and 10 rubles for the forced closing of a position) and on the Currency Section (0.3%) are the same for both tariffs:

UPD: 04/16/2019
Since April 1, Sberbank has significantly reduced the commission for transactions on the Moscow Exchange at the “Independent” tariff. Now with a daily turnover of up to 1 million rubles. commission for a transaction on the Stock section will be 0.06%, with a turnover of 1 million rubles. up to 50 million rubles - 0.035%. On the Currency section, the commission was reduced from 0.3% to 0.2%.

Both tariffs have a commission for the depository (for the storage of securities), which is 149 rubles per month. (charged if there were transactions of purchase or sale of securities in a given month; if there were no such transactions on the stock market, then there is no commission).

UPD: 09/06/2019
Since September, Sberbank has announced the abolition of the depositary service fee of 149 rubles per month:

I chose the "Self-hosted" plan. Next, you need to specify the accounts for withdrawing funds from the brokerage account. For these purposes, it is better to open savings accounts in Sberbank Online, from which you can withdraw funds without commission, without deposit, and without limits on amounts. You can also specify card accounts, and before cashing out, independently transfer funds to savings accounts. Withdrawal of funds from a brokerage account to accounts in other banks with Sberbank is not implemented:

At the next step, you can prohibit Sberbank from using its securities for overnight transactions, i.e. do not lend them to the bank. If allowed, we will receive additional income up to 2% per annum:

I noted that I was not interested in receiving additional income, let my papers be with me. In the event of a broker's bankruptcy, nothing will happen to the securities that are in the depository, they just need to be transferred to another depository, but with the securities that were loaned to the broker, everything will be much more complicated. In this case, you will have to scratch out your papers as part of the bankruptcy procedure, and it is quite possible that you will not see them again. However, the probability of bankruptcy of Sberbank tends to zero.

The use of borrowed funds of a broker for trading very often leads to the drain of the deposit. I recommend using only own funds for trading, no leverage, so do not check the box “I want to use borrowed funds for the stock market”:

Sberbank offers to open at the same time (IIS). I already have it open with another broker, and one person can have only one IIS, so I noted that I do not need IIS in Sberbank:

Then we check personal data (they are substituted automatically), indicate the purpose of opening a brokerage account (for example, “to save savings” or “to receive additional income”) and confirm that we are a tax resident of the Russian Federation only. Then you need to click on the "Submit application" button and confirm with an SMS password:

Now it remains only to wait, Sberbank promises to open a brokerage account within 2 working days:

The next day, Sberbank sent an SMS stating that the brokerage account was open and reported the contract code (which will be the login for entering the Sberbank Investor application), the second SMS received a temporary password.

2 Free trading terminal.

You can install the QUIK program on your PC:

You can install nothing and use the webQUIK browser version from any computer:

You can use the QUIK mobile application:

Today we will be interested in the Sberbank Investor mobile application, which is specially designed for beginners (it only took 28 pages, where most of the pictures are occupied). There are no installation tricks, you just need to download the application from Google Play or the App Store. When you first log in, you must change the password sent to your own, the login is the contract code.

The beauty of the Sberbank broker is that all methods of submitting orders are free, and you can use at least all of them at the same time.

3 Quick replenishment of the brokerage account.

You can replenish your brokerage account with rubles at Sberbank Online, but to replenish it with foreign currency you will have to walk to the branch:

Replenishment of a brokerage account in Sber's Internet bank is carried out from the section "Other" - "Broker services" (in the same place we applied for opening a brokerage account).

We want to buy dollars for rubles, so in the column "Marketplace" there should be a foreign exchange market, the replenishment amount in our case is 68,000 rubles, the operation will need to be confirmed using an SMS password:

4 Purchase of currency/securities with the help of Sberbank Investor.

Open the application "Sberbank Investor". In the "My Accounts" section (the wallet icon should be active at the bottom of the screen), we see that our 68,000 rubles. have already been credited (just a few minutes have passed since the replenishment).

We click on the “Market” icon (next to the “My Accounts” icon) and a section opens in front of us, in which all transactions on the exchange are made (in the screenshot below, the “Promotions” section is active). We are also interested in the currency, so we click on this tab.

We need dollars, and quickly, so we click on the USDRUB_TOD instrument (when making a deal on USDRUB_TOM, the currency will be delivered only on the next business day):

We see the current exchange price - 65.6625 rubles. per dollar, click "Buy":

When you click on the "Sell" or "Buy" button on any instrument (not only on currency, but also when trying to make transactions with stocks, bonds, ETFs, etc.). the system will ask for a password from SMS (thus accidentally making a deal by clicking in the wrong place will not work, besides, security is increased).

We have finally reached the final step. In order for the currency purchase transaction to be completed at the current exchange price, check the “By market” checkbox (the order is taken with a margin of 0.3% of the current price, but it will still be executed at the best price. This is done in case of small price fluctuations for while we enter all the data, in the stock market, the stock is taken at 2%). If this checkbox is not checked, then you can set your own order price, the transaction will be completed when the market price reaches it.

We indicate the number of lots we need (at least 1 lot, which corresponds to 1000 currency units, in our case $ 1000) and click "Buy", then confirm the operation.

That's all, our transaction was completed at the current exchange price of 65.66 rubles. for one dollar, i.e. we bought 1000 dollars for 65,660 rubles.

The mechanism for buying securities is no different from buying a currency. Deals and orders can be viewed in the "Orders" section (the clock icon at the bottom of the screen should be active):

The usual commission for a transaction on the currency section is 0.3% + 25 rubles (the exchange commission for a transaction is less than 50 lots). Until March 31, Sberbank forgives its commission of 0.3%. As a result, the purchase of currency cost us 25 rubles of the exchange commission (it was 68,000 rubles, we spent 65,660 on foreign currency, 25 rubles on the exchange commission, 2315 rubles remained):

The real purchase rate amounted to 65.685 rubles. per dollar, if we also take into account the commission of 0.3% (197 rubles), which will be valid from April 2019, then the real rate will be 65.882 rubles. for 1 dollar.

It turned out to be much more profitable than buying currency at a branch of Sberbank (at that time the exchange rate was 67.17):

On the IIS of Sberbank, you can make sure that coupons and dividends are credited not to the IIS itself, but immediately to a bank account.

8 Reliability of the broker.

DIA insurance does not apply to funds in brokerage accounts, so it is better to opt for reliable brokers. Of course, there are no objective reliability criteria, but at the moment it is extremely difficult to believe that something can happen to Sberbank.

“Big money” trusts Sberbank, it is interesting to look at Sberbank’s deposit line for extra premium customers, where the minimum deposit amount is 300,000,000 rubles.

9 A large number of branches of Sberbank.

It is the brokerage service that is carried out only in some offices of Sberbank, however, for the usual replenishment of a brokerage account, as well as cashing out funds, any branch of Sberbank is suitable.

10 Brokerage account balances are accounted for by Sberbank Premier.

Since the fall of 2018, in order to fulfill the criteria for a free package (the main goodies are unlimited passes to business lounges under the Priority Pass program and free insurance for the whole family when traveling together, including trips around Russia), balances on a brokerage account opened with Sberbank are also taken into account ( including IIS). The necessary amounts for Moscow are at least 2.5 million rubles. or equivalent in foreign currency on the last day of the month, for regions - 1.5 million rubles.

Brokerage account in Sberbank. disadvantages

1 High transaction fees and custody services.

The commission of Sberbank for transactions at low turnovers is a little high, in fact, it is because of it that everyone has the main complaints against the broker. For example, VTB has a commission for a transaction on the stock market of 0.0413% (+105 rubles per month for a depository if there are transactions and 1 lot of VTB shares, if there are no VTB shares, then it will be 150 rubles. / month) against 0.165-0.125% for Sberbank (+149 rubles per month, in which there were transactions on the stock market, for depot), for PSB - 0.05% (+ since the fall of 2018, a small commission for compensation services of higher-level depositories, on average amounts to several rubles per month), for Alfa - 0.06% (+0.04% per year for the depository), for Otkritie 0.057% (+ 10 rubles per month for the depository , + there is also a commission for assets of less than 50,000 rubles). Tinkoff Broker at the Investor tariff has a commission of 0.3% + 99 rubles / month, in which there were transactions.

For the purchase of foreign currency from Sberbank, you have to pay 0.3%, from PSB for the purchase of foreign currency in the amount of more than the equivalent of 100,000 rubles. a commission of 0.1% is set, for Otkritie at the Conversion rate, the commission is 0.03875% + 0.02% for withdrawing currency to a bank account.

UPD: 04/16/2019
Since April 2019, Sberbank has had quite competitive rates for brokerage services, I would like, of course, a little lower.

Now with a daily turnover of up to 1 million rubles. commission for a transaction on the Stock section will be 0.06%, with a turnover of 1 million rubles. up to 50 million rubles - 0.035%. On the Currency section, the commission was reduced from 0.3% to 0.2%.

UPD: 09/06/2019
Since September 2019, a depository commission of 149 rubles / month. has been cancelled.

2 Unstable operation of the Sberbank Investor application.

Similar to the Tinkoff Investments application, the stability of the Sberbank Investor application also leaves much to be desired, although there are still an order of magnitude fewer such reviews about Sberbank than about Tinkoff. Basically, problems are observed during serious movements in the market.

Stationary QUIK in Sberbank may also slow down:

3 Poor support service.

I decided to write a simple question in the support chat in the Sberbank Investor application, but I did not receive an answer by the end of the day. The call to the support service also turned out to be unsuccessful, I just got tired of listening to music for 20 minutes and waiting for the operator's response. Judging by the reviews, I'm not the only one with similar problems:

4 No access to St. Petersburg Exchange.

It will not be possible to buy foreign shares on the St. Petersburg Stock Exchange through Sberbank Broker, Sber does not provide access to this site.

5 There is no glass of quotes in the Sberbank Investor application.

The Sberbank Investor application, of course, is designed for beginners, but who said that beginners do not need to see the glass of quotes when making transactions? If for the purchase of highly liquid stocks this is not so important, then for bonds it is simply necessary to assess the volume of supply and demand. Otherwise, if you need to buy a large volume, the transaction can be carried out at very unpleasant prices, since at adequate prices there simply will not be the required number of securities and orders placed “for a fool” will work.

However, in Sberbank you can always view the order book in another terminal, for example, webQUIK. Tinkoff does not spoil its customers like that, there is nothing there except for the Tinkoff Investments application.

6 You cannot buy Eurobonds through the terminal.

In the trading terminal of Sberbank, you cannot buy Eurobonds on the Moscow Exchange, for which 1 lot is equal to $1,000 (for example, Rus-28, VEB Eurobonds, you can read more about them in the article). Sber offers to buy Eurobonds only on the OTC market.

7 Imposition of trust management.

A self-managed brokerage account is opened through Sberbank Online or in special offices of Sberbank, in ordinary branches you will be issued a trust management from Sberbank Asset Management, even if you say that you need a brokerage account with self-management.

Output

In large cities, it is difficult for Sberbank to compete with other brokers, Sberbank’s usual commissions for transactions and depository services are still higher, even despite their decrease from April 1, 2019. But in small cities, Sberbank has few competitors, especially when investing large amounts . A Sberbank broker is well suited for the Buy and Forget strategy.

The Sberbank Investor mobile application seemed to me quite convenient and functional.

When we first open the application, the system enthusiastically encourages us to invest without professional knowledge:

The apparent ease of opening a brokerage account and making transactions creates the illusion that you just have to buy something to your taste or follow some investment idea - and unprecedented riches await us.

Go to Derivatives Market. It would also be useful to watch some webinars on the topic of investing, which are organized by almost every broker. Free or low-cost courses are sometimes run by private, experienced investors (you can find them on the website of the investment school "Red Circle").

I hope my article was useful to you, write about all the clarifications and additions in the comments.

In connection with the blocking of Telegram, a channel mirror was created in TamTam (a messenger from Mail.ru Group with similar functionality): www.tt.me/hranidengi .

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The Sberbank CIB corporate investment service offers a number of unique trading instruments for trading on financial markets.

System features

Brokerage services are ordered on the basis of an agreement with Sberbank, on the basis of which a personal account is opened, where funds are placed for trading operations. This requires the download of a special user application (it is possible to use the mobile version). The program is used to submit user orders and transfer them by phone or online to an employee of the consultation center. When choosing a telephone method of appeals, the tariffication of applications is carried out taking into account the current terms of payment for the operator's services.

How to apply?

Brokerage services of Sberbank to individuals are available after opening an account of the same name and a universal account, if the user has a SB bank plastic, the whole process will take 2-3 minutes:

• The employee of the branch will ask you to pass a payment instrument through the card reader and indicate the pin code. This is necessary for automatic user identification.
• Information about the owner of the plastic will be indicated in the contract, and the specified pin code will act as an electronic signature.
• For opening a universal account, you will need to pay a commission of 10 rubles. After the successful completion of the operation, account management will be available through the electronic service "SB Online@yn".
• At the request of the client, it is possible to issue a savings book.
• Additionally, an application for the provision of broker services is made and an investor questionnaire is filled out.

Package of documents:

• Identity document.
• Application.
• Questionnaire.
• Identification code.

A prerequisite is the submission of documentation within 30 days after contacting Sberbank. Brokerage services, whose reviews report high bank competition due to low commissions and the ability to conduct transactions through a mobile application or a stationary device, include:

• Two brokerage accounts: currency and ruble.
• DEPO account with a depository.
• A DEPO trading account with a depository (if the trading system of the Moscow Interbank Currency Exchange is selected).

Selection of trading platforms

Owners of a personal brokerage account can participate on the following trading platforms:

1. MICEX Stock Exchange, where trading operations are carried out with securities (stocks/bonds).
2. Futures market.
3. OTC markets.

Broker services

Sberbank provides a number of services:

• Consulting and drawing up orders through QUICK online trading services or over the phone.
• Working with commodity-unsecured money (margin trading) - the ability to use the "margin leverage" in the range of specified limits, which allows you to increase working capital and investment income.
• OTC REPO transactions. Registration of "leverage" secured by securities.
• REPO-overnight - attraction of additional income (2% per annum) from short-term placement of securities in personal portfolios of brokerage accounts. The service is available to residents of the Russian Federation with the status of "qualified depositor".

Tariff plan

In Sberbank, 2 methods of charging brokerage services are widely in demand:

• "Active". The higher cost of services is explained by the enhanced level of telephone service. For example, urgent advice on a specific case or execution of orders, filing applications. However, applications are submitted free of charge, and according to the terms of the “self-guided” tariff, payment is 150 rubles. for the application. Online treatment is carried out according to similar tariff plans.
• "Independent". An advantageous offer for enterprising participants in exchange trading who want to manage their accounts online. For this, trading systems are used: FOCUS IVonline or QUICK, which allow you to quickly make transactions and have access to technical analysis of the market. This tariff provides for a small commission for transactions with funds, but all applications are submitted on a paid basis.

Both tariffs have common indicators: with an increase in the amount of working capital, the level of commissions decreases, but an active account is always serviced more expensively, the difference reaches 1%. Other characteristics are similar.

How to deal with an account?

To carry out trading manipulations, funds will need to be credited to a brokerage account through self-service machines or by transfer from a card, after which investors can perform the following operations:

1. Operations to transfer money and securities from a trading account to the main one and vice versa.
2. Circulation of funds between several sites.
3. Cashing out an account.

Operations not related to trade can be carried out over the phone or through the QUICK system. For the convenience of customers, the possibility of contacting the Trade Desk service is provided.

Despite all the security measures and encryption methods used by the bank when servicing customers, cases of fraud by third parties cannot be completely excluded. To increase security when using the Sberbank Investor application, users are advised to follow the following instructions:

• on the device from which the system is accessed, connect the antivirus program;
• use only official versions of applications that are available for download on the website of a financial institution using a QR code or in the store of their operating system (AppStore, Google Play, Windows Store);
• exercise caution when granting permissions to third-party programs to access certain information on the device;
• set a ban on the execution of voice commands by a smartphone when the screen is locked;
• do not download applications to the phone, links to which were received in SMS or e-mail;
• do not make independent and unauthorized changes to the firmware of the device.

The bank also warns its customers that all correspondence on behalf of Sberbank is conducted from service numbers 900 or 9000, other addresses most likely belong to scammers.

How to download the application

The user is offered to install an investment application on a mobile phone from the official website of the bank: by following a link or scanning a QR code. And also through the store of your operating system:

• Google Play for Android;
• AppStore for iOS.

If the user does not have an investment bank account, then after downloading the program, he will receive a demo access to review all the features of the system. A client who has purchased a brokerage package can go to the Personal Account and start earning.

How to access your personal account

A client of an institution can register in the Sberbank Investor Personal Account after concluding a brokerage agreement. You can open the required account:

• through the Sberbank online resource, in this case you do not need to additionally contact the company's office;
• when visiting a brokerage office;
• by submitting an application through the installed application.

Important! When submitting an application directly in the software package for a smartphone, after consulting with a support line employee, you will need to visit the office once to sign the necessary papers.

Once an agreement has been entered into and a number has been assigned to it, the customer can log in with their credentials. In the "Login" field, you need to indicate the number of the brokerage agreement, and the password must be requested at the first login by pressing a special button, the necessary information will be sent to the mobile phone in the form of SMS from the service number of Sberbank. Users with a broker table can get a password to enter the system by calling the service line: 8 800 555 55 51.

In order to ensure the security of personal data and financial transactions, the client is invited to change the provided password from the system through the "Other" section in the settings menu.

How to start earning

A client can start earning using an investment application from Sberbank by following these steps:

• install the application through the official source;
• open a brokerage account by any of the methods offered by the bank;
• register in the program using login and password;
• deposit the necessary amount of money on it;
• choose an investment idea from those offered by the bank's analysts or independently monitor the market dynamics and create an application for the purchase of securities of interest.

Important! To access the "Ideas" section, the client must answer questions that determine his risk profile. All operations offered in the smart menu will be selected based on the results of the assessment, the user can change the risk profile in the “Other” section.

How to fund a brokerage account with Sberbank

The client is offered to credit money to a brokerage account for their subsequent use for trading purposes in any of the convenient ways. Among them:

• transfer from your card or current account in the personal account of the Internet bank, the transition to it can be performed directly from the investment shell by pressing the button "How to replenish the account";
• transfer money through the Sberbank mobile application;
• deposit cash when visiting the office of the company through the cash desk;
• using the capabilities of QUIK terminals.

When transferring through remote service systems, you must go to the “Transfers” section, select the “Exchange” tab, and then click on the “Deposit of a brokerage account” button, the transfer takes place online.

How to withdraw money