Conditions Sberbank Premier. Clients that have enough funds can use the Sberbank Premier program. This service package is perfect for clients who prefer to save time and have additional options.

Conditions for obtaining Sberbank Premier

One of the current bank accounts must have an amount of 400 thousand rubles or more.
If over the past few years a client has taken out a mortgage in the amount of 6 million rubles.
For six months, payment by credit card should be more than 50 thousand rubles.
The funds received must exceed 50,000 rubles per month.

Privileges available when connecting:

The client is served by a personal specialist with whom you can discuss any issue regarding the program and service.
Clients who own a package of services are served out of turn.
You can use the services and products of the bank on favorable terms.

Service price

Clients will be served free of charge in the following cases:

During the grace period, regardless of the funds that are present in the accounts.
The account should be about 2.5 million rubles.

Clients will pay 2,500 rubles for using the program in the following cases:

If the account has at least more than the specified amount.
If you disable the service, then the next couple of months the amount for using the program will be automatically debited from the account.

What services are available under the premium program?

Deposits for individuals

Program members can deposit their money at premium rates. There are several tariff plans in the Sberbank Premier service package, such as "Save", "Top up", and "Manage".

Bank premium cards

Each program participant can apply for more than 3 premium cards, which are filled with favorable conditions and pleasant bonuses. After issuing premium bank cards, the program member will have access to the following:

Cash insurance.
Insurance for persons who are abroad.
Personal specialist who will help you book a hotel room, concert ticket, etc.
Premium card "Priority Pass".
Additional conditions regarding insurance.
You can pay for your purchase using a contactless method.
Clients are constantly provided with not only discounts, but also bonuses.

Purchases will be protected as the goods are insured for 3 months in the event of theft or loss. If you buy a product and pay with a Visa Platinum premium card, the term will be doubled.

Reduced interest credit cards

The Sberbank Premier service package provides ample opportunities to each client. Thanks to such credit cards, the program participant can save money, since the interest is lower than in conventional cards.

Visa or MasterCard Gold makes it possible to buy goods in stores located all over the world;
Visa Gold and Classic with the help of which the bank transfers funds to the fund in the amount of 0.3 percent of the purchased goods;
Visa Gold and Classic Aeroflot provides customers with the opportunity to collect bonuses and exchange them for tickets that can be used to travel anywhere in the world.

Service "Second medical expert opinion"

Consultation with foreign doctors is absolutely free. After the examination, they send the results of the examination and conclusions to the Internet mail. You can use such services only a couple of times in 1 year and this is quite enough to detect the elimination of health problems.

Preferential exchange rate

Sberbank Premier provides customers with the opportunity to buy foreign currency at a special rate, which is much more profitable than others. If you exchange money at a special rate, you can save a lot.

How to unsubscribe from the Sberbank Premier service

When the grace period expires, you can turn off the program, while you must visit the bank branch in which it was issued and write a statement of refusal. If at the time of writing the application the amount on the account is less than 1.5 million rubles, then 2,500 rubles will be debited from the account for disabling the program.

If you have high turnovers on your bank accounts, it will be interesting for you to learn about the Sberbank Premier service. What it is, why and who needs it - we will tell you in this article.

What is Sberbank Premier?

Premier is a special format of service for wealthy clients who value comfort and time savings. Sberbank has developed this service, adding individual privileges to standard services.

A privileged client of Sberbank is served in a separate area, he has a personal manager at Sberbank, a separate line of tariffs for deposits and loans, a separate hotline and much more.

What is included in the Sberbank Premier service:

Personal manager;
Free dedicated line;
Separate service areas in offices;
Premier (up to 5 pieces for a client and his family);
For the Sberbank Premier client, the interest on deposits has been increased;
Travel insurance for the client and his family;
Honey. examination with an expert opinion from foreign specialists (2 visits per year per family);
Preferential exchange rates;
Access to VIP lounges of airports (option "Priority Pass").

Sberbank Premier: cost

You can get all the above privileges for 2500 rubles per month.

The service can be used free of charge:

First 2 months;
At any time with an account balance of more than 1.5 million rubles.

How to become a client of Sberbank Premier?

In most cases, the bank itself invites customers to move to a new level of service when it sees serious account movements or a significant balance on the deposit.

Also, the package can be used by holders of premium cards - platinum and currently issued by the bank Visa Signature and MasterCard World Black Edition. That is, they will not sell you a package to or standard Visa.

From the pricing terms, it becomes clear that Sberbank wants to see clients in VIP zones who have a large amount of about 1.5 million rubles at their disposal.

Thus, for registration of the Sberbank Premier service package, the following conditions are assumed:

Apply for a premium card;
Open a deposit for 1.5 million rubles or deposit a similar amount on the card - and wait for a call with the bank's offer.

Often, the sale of premium services "falls" to customers with an average monthly turnover of 100-150 thousand. Bank managers call such users and offer to use the package for free for a couple of months - to evaluate the quality of the service and, if something happens, to refuse. We will talk about the process of abandoning a package a little later. First, let's describe in more detail the benefits that will actually be useful in everyday life.

More about privileges

Looking at the product in general terms gives a good impression of the product. But most of all, you will probably be interested in numbers and immediate facts. We will decipher the bank privileges provided by Sberbank Premier

Individual deposits

In 2017, there is a downward trend in interest rates on deposits, due to a decrease in the value. Sberbank is the first to reduce deposits, or rather their benefits, since it is a credit institution with and responds more quickly to market changes.

Nevertheless, many want to keep funds in a reliable organization, and users of the premium package have the opportunity to deposit money at individual rates. Separate tariffs for premium customers are distinguished by the "Special" prefix:

The Special Save and Sberbank Premier deposits add + 0.82% to the yield in rubles, and up to + 0.6% - in dollars;
"Special Manage" and "Sberbank Premier" deposits add + 0.72% to profitability and up to + 0.57% - in dollars;
The "Special Top Up" and "Sberbank Premier" deposits add + 0.71% to profitability and up to + 0.61% - in dollars.

In market conditions, such markups are very significant. The disadvantage of this service is the minimum deposit amount, which is at least 1 million rubles or 50,000 dollars.

In addition to higher rates, Sberbank offers to independently choose the term of the deposit from 1 month.

5 Platinum Cards

By subscribing to the service package, you can apply for free to family members with a Visa Platinum Premier or World MasterCard Black Edition Premier. The number of free cards is limited to five.

Priority Pass

Perhaps the most convenient service in the package is for those who travel frequently by plane. 1000 comfortable VIP lounges around the world are available to you upon presentation of your card. Take your entire family (permitted by the terms and conditions) and settle into comfortable lounges.

130 countries of the world have equipped their airports with the Priority Pass zone - they will feed you, offer drinks, provide you with high-speed Internet, a charger for your phone and laptop. By the way, alcohol in many lounges is offered free of charge - with Priority Pass, All inclusive starts already at the airport.

Travel insurance

You and your family are insured against unpleasant situations that can occur on a trip - from losing your luggage to transporting your body home.

"Second expert medical opinion"

If "ordinary" doctors diagnosed you with diseases in the field of cardiology, neurology, oncology, nephrology or orthopedics - foreign experts will study your analyzes and provide their own conclusion.

Interaction with experts takes place by e-mail - you send the available scans and within 2 weeks you will receive the expert opinion (for complex cases, the time for preparing the opinion increases to 30 days).

You and all family members can use the service, including common-law spouses and adopted children, but no more than 2 times a year.

Is the service required? Probably not, because with a difficult course of the disease, you definitely will not wait 30 days for a foreign doctor to write his opinion. And is this opinion even necessary if the average user of the Premier package can afford to be examined by a good specialist, the conclusion of which will not have to be doubted?

Preferential exchange rate

Each bank buys / sells currency with a difference of 2.5-3% of the Central Bank rate. For premium clients, the premium is less - the bank is ready to sell currency for 30-60 kopecks cheaper: with a large “purchase” you save a nice amount.

How to cancel the Sberbank Premier service package?

It happens that the service is offered to a non-target audience (for example, you put money from the sale of real estate at interest, and you are automatically classified as a wealthy client). Having been tempted to free 2 months, the client understands that he does not need premium services: he flies at most once a year, does not get sick with anything heavy, does not need insurance and does not want to give 2500 a month.

Then, it is better to disable the service. To do this, contact the Sberbank office (for the time being - in the premium zone) and write an application to deactivate the service.

Please note: in case of refusal, the bank will withdraw 2500 per month if your account has less than 1.5 million rubles!

The Sberbank Premier product is a VIP service package designed for financially wealthy clients. Its use allows you to emphasize your position in society and get a set of certain privileges.

Sberbank Premier service package and its features

The terms of the Sberbank Premier package of services allow the issuance of up to five plastic cards. The monthly service cost depends on the amount of funds in the account and the time from the date of connection.

Today the tariffication is as follows:

the first two months of use are free;
from the third month, a fee of 2500 rubles per month will be charged if the balance on the card is less than 2.5 million rubles.

If you disable the package during the demo period, you will not be charged for use.

It becomes possible to open bank cards "Aeroflot" and "Give Life". With these Gold cards, you can accumulate bonuses and participate in charity events.

Personal manager for service users

Registration of Sberbank Premier - VIP-package of services implies the help of a personal consultant and assistant. Additionally, it is possible to call a dedicated telephone line for Premium customers.

If it becomes necessary to visit a bank branch, there are specially prepared zones. This allows you to keep the confidentiality of the conversation and guarantee a comfortable environment during the consultation.

Providing a VIP lounge at the airport

With a Premier bank card, you can visit special service lounges at airports. Sberbank Premier allows you to spend time in a calm and comfortable environment before boarding a flight. Each VIP-client is provided with upholstered furniture, food and drinks, hot showers. As well as entertainment, including watching television and reading the press. However, not all airlines cooperate with Sberbank, so it is recommended that you familiarize yourself with the list of partners on the official website.

Available types of deposits and investment programs in the Premier package

Sberbank Premier - VIP-package of services has several deposit programs that allow you to increase your money savings. You can use such programs if you have at least 1 million rubles on your account. There are the following suggestions:

Depersonalized metal accounts (OMS)

Having issued Sberbank Premier (VIP package of services), it is easy to open an impersonal metal account. It is also possible to buy ready-made bars and store them in safe deposit boxes.

Assistance in managing stocks and bonds

If you plan to invest money in stocks or bonds, it is allowed to use the help of a manager. There are several investment options with high, medium and low risk. If necessary, the manager will help you make the right choice.

Bonuses provided to the Sberbank Premier program

Where do you need to start connecting services?

It is recommended to visit the bank's website and fill out a special form. The employee will call back and find out the intended use, make an appointment to conclude a contract. The signing of the necessary documents is carried out in less than an hour.

After connecting the service package, you can manage it using the official website, mobile application and SMS commands (Mobile Bank).
Thus, Sberbank Premier - VIP service package is unique, providing personalized service and other privileges. It allows you to get the help of a personal manager, the ability to visit VIP-lounges of airports and loyal rates for loans.

If you have received the status of Sberbank Premium client, then you need to explore the new tariff options, because the bank's privileged clients enjoy special service conditions and additional bonuses. Sberbank Premium client what it is and what privileges you will receive, we learn from this article.

What does Premium Client mean?

The special status is reinforced by the Sberbank Premier service package, which includes:

individual service by a personal manager;
separate service areas in branches;
round-the-clock dedicated telephone line for information consultations;
individual development of a financial plan.

Privileges for Premium Clients

By becoming a Premium client at Sberbank, you not only get a special status and additional services, but you can also take advantage of special privileges.

For Sberbank Premier clients, the Investment Life Insurance service is available. By using the service, you get two guarantees of income payments. One component of the contribution is placed in the underlying assets, and you receive dividends as investment income. The second part of investments is made in risk-free enterprises with a small but stable income.

Sberbank of Russia guarantees the return of funds even if the value of the underlying asset decreases, at the expense of the liabilities of insurance companies.

Depersonalized metal accounts

The Sberbank Premier client has the privilege to use the Depersonalized Metal Account service. This means that you buy virtual precious metal bars and profit from the rise or fall of the price.

You have the right to instantly sell, buy or exchange one metal for another. You don't have to carry precious bars in your pockets.

In addition, you can issue a gold account for a child. Buying gold for 30,000 rubles a month, you provide your baby with a gift of 2,000,000 rubles by the age of 12.

Sberbank does not trade in virtual precious metals. At any time, you will receive an adequate ingot with the amount deposited for it.

Deposits

Sberbank of Russia regularly holds promotions like Happy Year. The participant is offered dividends on deposits in rubles - 10% or 3.1% per annum in US dollars. These are the highest and most stable deposit rates in Russia.

Sberbank of Russia, the largest bank in Europe with a positive financial trend for decades.

Stock market earnings

Before starting trading in Sberbank securities, it is advisable to think about why they were bought and use them correctly.

Only numbers should remain in my head:

oil prices;
Ruble's exchange rate;
the cost of corporate bonds;
discount refinancing rate.

Count your own money, think about where to invest it or withdraw it and go to Las Vegas with cash. Several hours of flight separate the illusion of wealth from financial ruin.

Service

Useful Concierge service. By using the Premium status, you have the right to set a task for a bank employee to book train or plane tickets for you. The bank manager will think over the travel route, arrange insurance and book a hotel room. You don't have to worry about anything, just declare your own desires.

While on a business trip, waiting for a connection between flights, remember that you are a Priority Pass member and have the right to relax in the business lounges. Free showers, scones of coffee or tea, newspaper and TV news, what else do you need? To relax before the next flight.

Sberbank is constantly developing programs that would stimulate the attraction of premium clients for service to the company. The bank offers not only discounts on its products, but also various bonuses and promotions together with partners. In this article, we will consider the Sberbank Premier program, determine whether it is profitable to use such services?

Sberbank Premier is a specially developed program that will be useful for wealthy clients. This does not mean that ordinary people will not be able to use this service. But Sberbank gives most of the privileges where large monthly expenses are expected. Sberbank Premier program - what is it:

privileged premium cards with free service and high cashback;
increased rates on deposits;
favorable exchange rate;
travel insurance required for visa processing;
the opportunity to visit comfortable waiting areas at airports.

This program is free for those people who have more than 2.5 million rubles stored in Sberbank. At the same time, the money may not be in one specific account, but may be distributed among several accounts. The bank takes into account the totality of funds. Otherwise, you can use the "Premier" for a fee, the cost of the service will be 2,500 rubles per month, although the first two months are free.

Who is it for

Sberbank gives additional privileges to those categories of citizens who belong to Sberbank Premium customers. To get high scores on card products, you need to spend more than 80,000 rubles. This is also true for those who make exchange transactions with currency or travel frequently.

Of course, any depositor who has more than 2.5 million rubles on the bank's account can automatically become a user of the service, since it will be free for him. For those who want to use the program with a monthly payment, we will tell you about the advantages of Premiere.

The banking organization offers its customers free cards Visa Platinum Premier and World MasterCard Black Edition Premier. These are debit cards without service fees. You can freely deposit and withdraw money on them within the daily limit.

The commission is provided for replenishment of the account through third-party banks in the amount of 1.25% with a minimum bar of 30 rubles, and a maximum of 1,000 rubles. Withdrawing money from other banking companies will cost 1%, but not less than 150 rubles or 5 dollars / euro when making a transaction in foreign currency. You can deposit and withdraw money through devices and branches of Sberbank free of charge. But there is a daily withdrawal limit of 500,000 rubles, which will be equivalent to the amount for withdrawal in foreign currency. Such operations can be performed for no more than 5 million rubles per month.

Sberbank also offers a free SMS notification service. Plastic safety is achieved by the 3D-S system. Contactless payment services are connected. The card can be used anywhere in the world. And to view information on the account and perform all the necessary operations through "Sberbank Online".

In addition, the Spasibo system from Sberbank for these products offers increased bonuses:

10% cashback for cashless payments for taxis and gas stations;
5% when spending in cafes and restaurants;
1.5% when paying in supermarkets.

For all other payments with plastic, the system charges 0.5% cashback. The exchange rate of points is 1 ruble for one 1 bonus. And you can use the accumulated points in exchange for discounts or payment for goods in partner stores of Sberbank. A banking company can give one client up to 5 free cards.

To promote the service, Sberbank uses the sales channel through depositors. Thus, the financial institution offers the owners of Premier to raise the interest rate by 0.8%, but this is possible only on condition that the amount on the deposit exceeds 1 million rubles.

Such an offer was in demand when Sberbank was giving high rates. Current options are in the range of 5-6%, which is slightly lower than alternative deposits in other banks with rates up to 9%.

It is not recommended to abandon the program for those who often have to deal with the exchange of Russian rubles for dollars or euros. Sberbank is ready to provide Premier clients with a favorable rate for transactions on weekdays and through the Sberbank Online system.

For example, on the Sberbank website, specialists have prepared a calculator that allows you to calculate the approximate savings of money. If a conversion is made for $ 10,000 per year, the client will receive a benefit of 10,400 rubles when using the Premier program.

The owners of the "Premier" program are offered the use of safe deposit boxes with a 20% discount. They can store personal belongings, documents, jewelry, money and much more. The banking organization offers the use of cells for a period from 1 day to 3 years. Tariffication depends on the size of the cell and the duration of its use.

Priority Pass

This is a service that allows you to stay for free in comfortable airport lounges in more than 130 countries around the world. Cardholders are provided with the opportunity to relax on comfortable sofa-chairs, take a shower, access to Wi-Fi, charge gadgets, the latest press, as well as staff who speak your language. More information about the service can be found at the link.

The quantity and quality of services may vary depending on the policy of the particular airport. But in any case, rest in business class will be more convenient than using standard lounges.

To obtain "Schengen" and a number of other visas, a prerequisite is the availability of life and health insurance, the coverage of which extends to foreign countries. Such insurance can be obtained at your own expense in many insurance companies, but these will be additional costs. The service is completely free of charge under the Premier program.

It is provided to both program participants and family members. Minors can be entered into the certificate.

One of the unique products of Sberbank free of charge. If the client is not sure about the reliability of the diagnosis for a number of serious diseases, he can, at the expense of the program, contact a foreign clinic to undergo diagnostic tests at the expense of the bank.

The banking organization also covers costs of up to $ 500 per person per year for laboratory tests. The service can be used by a participant of the "Premiere", his spouse and minor children.

The program, as mentioned earlier, can be provided to every client of the bank. And if you have not refused the service, then you can feel the service of using the program to the fullest. VIP clients are provided with their own personal manager who will be aware of all the client's questions. These are more competent employees with a high degree of professional training.

In addition, you do not have to wait in the queues of the bank. Telephone calls are received on a separate line, and special zones "Sberbank Premier" are located in bank branches, where clients are consulted on all issues of interest.