It has a rich history and impeccable reputation. This is a serious, stable bank, which trust millions. Sberbank of Russia is always there!
For a long history of development, the bank managed to preserve the main qualities and today is a vivid indicator of professionalism. This is a modern financial enterprise that follows the best traditions. That is why more and more Russians give him preference.
Sberbank of Russia today
Sberbank of Russia takes an active part in all aspects of the life of the population. He is familiar and youth, and the people of the older generation. The once famous savings and savings are still associated with stability and reliability. The current generation is well focused in existing proposals in the country's financial market and chooses the best options for itself.
The issue of investing money is concerned about many. Importantly competently orders its own funds, and choose a reliable partner. Sberbank of Russia retains its stability under any circumstances. Thanks to flexible programs and loyal conditions, he gained popularity among the population. The savings bank of the Russian Federation has throughout the country. Find the contact details of the main branch and representative offices in the regions, as well as details and the fare, you can on our website.
PJSC Sberbank of Russia
For the convenience and comfort of customers, our site was created as an information resource. With it, you can quickly navigate in numerous services, which provides Sberbank of Russia. Here you will find practical recommendations, tips, get the necessary links, information about branches, their location, contact data. On our site you can familiarize yourself with the services provided, here are all current proposals and client programs.
Mortgage for a young family
Online banking
Sberbank online is a great opportunity, without leaving the house to make a lot of financial transactions: pay utilities, instantaneous translations anywhere in the world and much more. This service will appeal to everyone who appreciates their time and efficiency. We invite you to familiarize yourself with the instructions for connecting this service and its advantages.
Sberbank of Russia is the largest bank in our country, which has offices and branches in each in the city of the Russian Federation. It is Sberbank that provides the widest range of services to individuals and corporate clients. The feature of the bank is that it is here that about 70% of all banking clients are served, respectively, its maintenance level meets the highest requirements of the private client. However, consider the order of all Sberbank services for individuals today.
Lending to individuals
At all times, consumer lending was one of the most demanded banking products. In Sberbank, individuals have the opportunity to issue a non-target loan worth up to one and a half million rubles. The bank offers several credit programs with different interest rates:
- consumer loan without collateral from 13.9% per year;
- loan under the guarantee of individuals rate from 12.9% per year;
- credit for LPH rate from 17% per year;
- credit to NIS to members of the NIS - interest rate from 13 5% per year;
- credit under the provision of real estate from 12% per year.
As can be seen, rates for non-target consumer loans are rather low, with more preference the bank gives salary customers, it is for them a minimum annual percentage. The annual rate will be increased by refusing a borrower from personal risk insurance.
Please note that for each potential borrower, the lending conditions are strictly individual and will depend on the set of factors.
Mortgage credit lending
Sberbank specializes in issuing mortgage loans, it is he who is the leader in issuing loans to buy housing. For potential borrowers there are several programs here:
- Purchase of finished housing - rate from 8.9%.
- Share on new buildings - 7.4% per year.
- Mortgage plus maternity capital is the interest rate from 8.9% per year.
- A loan for the construction of a residential building is a percentage rate of 10% per annum.
- Military mortgage - rate from 10.9% per year.
You can apply for the issuance of a mortgage loan without leaving the house on the official website of the bank. Application consideration deadlines can reach 5 working days. Here, the mortgage is available for citizens of the Russian Federation age from 21 to 65 years inclusive.
Refinancing loans
Sberbank offers individuals such a service as refinancing of 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 customer loans, due to its credit funds, after which the borrower pays only one loan Sberbank. The benefit of the service is that the interest rate on the credit for refinancing a few points below, rather than bets in other banks. In addition, it is possible to receive funds for urgent expenses.
Please note that refinancing of the loan of other banks is available only for customers who do not have current overdue debts.
Plastic cards
Credit and debit cards always enjoy mass demand among individuals. Sberbank offers a wide selection of plastic cards that can satisfy the needs of each client. Here you can arrange a map from Visa, MasterCard payment systems and peace. Depending on the level of income, the bank offers classic, gold platinum cards. In addition, here the client may issue a coobrading card, for example, Sberbank Aeroflot Bonus, or take part in the "Give Life" charitable program.
The main advantage of Sberbank is that it offers its users to issue a card with an individual design. The cost of such a service is only 500 rubles. By the way, it is impossible not to say that it is in Sberbank that a debit card on a minor child from 7 years can be issued. His account will be tied to the main map of the parents. And here you can get a map of instant extradition in just 15 minutes.
Please note that the cost of the plastic card service depends on several factors primarily from it status.
Invest and earn
Surely every potential client is interested in the opportunity to earn with Sberbank. And here such an opportunity is provided. Here you can open a contribution to favorable conditions, the Bank offers several deposit offers with various maintenance conditions and interest rates. In addition, the Bank's card clients have the opportunity to get a higher interest on the deposit when opening an account remotely, through Sberbank online.
Also in Sberbank, you can open a nominal account to enroll social benefits. Its feature is that it does not have restrictions on a term, and also allows its users to receive up to 3.67% in rubles to the balance balance. The minimum amount of the residue is not limited. Private clients, the Bank offers the following investment services:
- individual investment account;
- mutual investment funds;
- protected investment program;
- cumulative life insurance.
What is the investment services of Sberbank for individuals. First of all, it is a real opportunity to earn additional funds. If we speak with simple words, the bank takes into a trust management of money of its customers, and investigate their reliable projects that in the future brings passive income to the investment owner.
The bank offers such a service as an individual pension plan, that is, in fact, this is a non-state Pension Fund of Sberbank. Individuals have the opportunity to independently form the accumulative part of their future pension. In order to use this service, it is enough to open the account remotely, then sign the contract that the Bank's employees will send to the email address, and make an amount from the card at least 1,500 rubles, in the future the account can be replenished at least 500 rubles at least.
Important! Funds on a pension account are reliably protected, they are not subject to arrest and recovery.
Brokerage services
Brokerage services of Sberbank to individuals become quite high popularity recently. First of all, it should be noted that an individual does not have the ability to become a private investor without intermediaries, but, more precisely, to invest your capital into securities. Here, the Bank offers a unique opportunity to conclude a service agreement and become a full-fledged participant in the Moscow Exchange.
The cost of services of Sberbank for individuals on brokerage services ranges from 0.165% to 0.006% depending on the amount of the transaction. It is worth noting that the service is carried out in each Sberbank office, currently, 180,000 private investors took advantage of the service. In order to become a client, you just need to contact any branch of the bank and conclude an agreement.
Payments and translations
Sberbank of Russia provides an opportunity to pay for various services in several ways: using remote services, cash banks or self-service devices. You can make the following payments:
- utilities;
- traffic police fines;
- taxes;
- cellular services;
- the Internet;
- loans in other banks.
If you are a bank client client, then it is possible to carry out all payments online through the Sberbank system online. Tariffs for Sberbank services for individuals are rather loyal to make payment to state and non-governmental organizations will have to pay a commission of 3%, 2% commission for housing and communal services and a mobile phone is provided. When paying a loan in Sberbank, as well as translation to charity, the Commission is not charged for tax fees.
Important! The minimum amount of commission fees is at least 20 rubles.
other services
Sberbank services of Russia, provided to individuals, are quite diverse. For example, here, in addition to the standard monetary deposit, you can open a metal account. The essence of the service is that you buy a precious metal from the Sberbank or a coin of precious metals, and get profit in the form of a difference in value. Among other things, you can pick up a metal in a slope or get it in monetary terms.
Sberbank also provides rental services for bank cells for an acceptable cost. Unfortunately, not yet in all banks of Sberbank have specialized premises with banking safes, so this information should be clarified in advance. The cost of rent depends on several factors primarily on the size of the bank safe and its use.
You can not bypass the insurance of the Bank for Insurance. The bank offers several types of insurance, namely: insurance of personal risks, property, travelers and integrated insurance. On the official website of the bank you can choose the type of protection in which you or your relatives need. The cost of the policy and the amount of insurance coverage directly depends on the set of insurance risks. You can purchase a policy in directly in the office of a credit and financial organization or online on the bank's website. But it should be borne in mind that the service provides Sberbank Insurance, this is 100% subsidiary of Sberbank of Russia.
Remote services
Finally, another Sberbank service, which he provides individuals - these are remote services: Internet banking and SMS informing. First of all, these services are available for users of plastic cards. It is easy enough to get access to them just need to start plastic card, then connect all services to the Sberbank office or through an ATM.
As for the cost of remote services, the Internet banking fee is not charged. In addition, if you have access to your personal account in the system, then there is an opportunity to download free Sberbank mobile app and has access to your personal account at any time of the day, regardless of location. For SMS informing, the mobile bank will have to pay a symbolic cost, which ranges from 0 to 60 rubles. According to gold and credit cards, payment is 0 rubles.
Sberbank services private individuals have been providing for more than 100 years. Moreover, it really offers the widest range of services for individuals. By the way, if you want to become a bank client, then a description of each service and its cost you can find on the official website.
Sberbank of Russia is the very first credit organization of the country. Finachery customers are more than 50% of Russian citizens. Like other credit organizations, the Sber has its own website.
Most Bank customers use its services in traditional form. The official website of Sberbank allows you to produce almost the same operations much faster, without queues and delays. Let's find out what functionality is the Sberbank website, as the client find the necessary data, etc.
Main page.
A conservative approach to providing services was reflected in the design of the official Sberbank website, which is located at: www.sberbank.ru. Accuracy page design can give odds to any other bank. Out of use is hidden for external non-drugs. Official site Sberbank It is one of the simplest, and most importantly - understandable for the user. It is easy to find the information you are interested in, whether it is data on the products provided by products or tariff plans that are not found on many sites of other banks in the afternoon.
The main page of the official Sberbank site consists of several "hats". The most upper is the category of customers for which the entire list of services provided has been prepared.
Lending
When choosing any product, its detailed description opens. In addition to standard conditions, it is also possible to find out how to get a loan, what documents to bring to the bank, which requirements for borrowers, etc. are exhibited.
Here you can familiarize yourself with the loan agreement, read specific conditions in the rules of granting, learn about the ways to repay the debt, etc. One page contains maximum information on one specific product, when all these data are scattered on many sites on different pages and tabs. For this site gets an unambiguous plus.
For convenience, you can calculate the loan on a special credit calculator of Sberbank. It is not so convenient to use, because mandatory fields for filling too much and half of them are absurd, for example, gender indication. This factor may affect the decision on the application, but at the preliminary calculation stage 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 services and translations
Tab "Pay and Translate" will help clients to learn about the methods of payment for utilities, cellular, Internet, fines, loan payments, etc. There are fares of commissions for each operation depending on the payment method (Internet banking, ATMs, mobile app, etc.) in this tab also contain detailed conditions for monetary translations 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 be provided (brokerage services, mutual funds, etc.) here provides information about coins on sale.
Insurance
Tab "Insurance yourself and property" will allow the current or potential client to insure the apartment, debit or credit card, life and health tab.
Additional features
On the main page of the site there are very comfortable widgets. For example, a currency converter, where in online mode you can count dollars in rubles or another currency at the rate of the bank; Watch the current euro / dollar rate relative to the ruble, precious metals.
Sberbank was one of the first to develop a special project called "Finance simply". 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 Sberbank website, everything is all in its places. The user will simply find the necessary information on any product of the bank. The entrance to the Internet banking is located in the most prominent place - at the top of the main page. Below is the site map where you need to find the right product will be even faster.
But the biggest plus Sberbank can be given for the fact that on each page of any product there are specific documents on it (accurate conditions, tariff plan, contract, etc.) Unfortunately, banks on their sites are colorfully described by the same loans, indicating only Consolidated information. And to find details, it is necessary to seek the relevant documents for a long time. Sberbank does not hide anything and does not "hide", on the contrary, exposes everything to the show. Plus for honesty.
Contact Information
Find contact information Sberbank on his official site is simple enough. A hotline phone number for free calls from any phones is listed in the header of the main page of the site. There is also a support number for Moscow and MO, 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 compartment, an ATM or terminal in your city. The user is enough to enter the street or the metro station, select the service item and click the "Find" button.
Bank details (Beach, Tin, cornea, etc.) are located in the lower menu of the main page in the "On Bank" tab - "details".
This page only provides information on services and products of Sberbank and is not connected with the bank himself. All logos belong to their right holders. This page only informs about Sberbank's services. Accurate conditions for products, tariffs specify in Sberbank offices.The history of Sberbank of Russia begins with the name of Emperor Nikolai I from 1841 on the establishment of savings receipts, the first of which opened in St. Petersburg in 1842. A half a century later, in 1987, a specialized bank of labor savings and lending to the population was created on the basis of state labor savings departments - Sberbank of the USSR, who also worked with legal entities. The Sberbank of the USSR included 15 republican banks, including the Russian Republican Bank.
In July 1990, the Resolution of the Supreme Council of the RSFSR, the Russian Republican Bank Sberbank of the USSR was declared the property of the RSFSR. In December 1990, he 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 went to the ownership 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 due to the support of the Central Bank of the Russian Federation and the increase in commissions for settlement services. At that time, the share of government debt obligations in the bank's assets was 52%, and there were only 21% of net assets on the loan portfolio.
In September 2012, the Central Bank of the Russian Federation sold 7.6% of Sberbank's shares to private investors for 159 billion rubles, or almost 5 billion US dollars. Ordinary and preferred shares of the Bank are listed on Russian stock exchanges since 1996, American depositary receipts (ADR) - on the London Stock Exchange, the Frankfurt Stock Exchange and the Outdoor Market in the United States.
In 2012, Sberbank closed a deal to unite with the investment company Troika Dialog (transformed into the Corporate and investment structure of Sberbank CIB, and the retail bank "Troika Dialog" was sold to a group of private investors).
Also in 2012, a transaction was closed on the purchase of Sberbank at the French group BNP Paribas of the majority package at its subsidiary Russian retail bank (now the joint venture is functioning as a network bank, the share of "saving" in 79.2% has not changed since May 30, 2018).
In 2013, the official launch of the Sberbank brand in Europe took place. Denizbank purchase deal was completed in September 2012 and became the largest acquisition for more than 170-year-old bank history. However, in May 2018, Sberbank concluded a binding agreement to sell businesses in Turkey. In July 2019, Denizbank sales deal was closed.
Sberbank accounts for about 41% of all loans of individuals, as well as more than a third of private contributions and loans to legal entities in Russia. Back in 2012, Sberbank overtook the former leader in the credit card segment - the Russian Standard Bank. The share of the Sberbank Mortgage Briefcase in the structure of such a portfolio as a whole on the banking system is about 57%.
Sberbank occupies the 32nd place in the world in the annual "1,000 largest world banks 2019" the Banker magazine.
As of August 1, 2019, the volume of net assets of the credit institution amounted to 28.83 trillion rubles, the volume of own funds - 4.30 trillion rubles. Following the first half of 2019, the Bank demonstrates profits in the amount of 519.67 billion rubles.
Network of units:
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 operating offices;
285 mobile cash operations;
90 operating cash desks outside the cash node.
Geography of Sberbank Group covers 21 countries, including the Russian Federation. In addition to the CIS countries, Sberbank is presented in Central and Eastern Europe (Sberbank Europe AG, the former Volksbank International), Great Britain and the United States, Cyprus and in 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 Promotion;
promotions in public circulation - 50.0% - 1 share.
A share of 45.04% (shares in public circulation) belongs to legal entities - non-residents. The total number of bank owners exceeds 253 thousand shareholders.
Supervisory Board: Sergei Ignatiev (Chairman), Gennady Melikyan, Herman Gref, Sergey Shvetsov, Nadezhda Ivanova, Bella Zlatkis, Olga Skorobogatova, Maxim Oreshkin, Valery Gorgeld, Nikolai Kudryavtsev, Leonid Boguslavsky, Alexander Kuleshov, Eskoy Aho, Nadia Wells.
Governing body: Herman Gref (Chairman, President), Alexander Lamujin, Lev Hasis, Oleg Ganeev, Bella Zlatkis, Svetlana Kirsanova, Stanislav Kuznetsov, Alexander Morozov, Anatoly Popov.
