Conditions. Sberbank Premier Service Package Sberbank Premium Clients

Sberbank of Russia is the absolute leader among credit institutions in our country in terms of the number of individuals served.

In the coming years, this situation is unlikely to change. However, the oldest bank in the country does not think at all to rest on its laurels and is actively implementing a program to encourage key customers, which is called Sberbank Premier. It involves a comprehensive package of services for citizens who:

• have significant irreducible account balances:
• receive large revenues in the framework of salary projects;
• use a loan or a credit line in the amount of 20 million rubles.

The official website of Sberbank tells in sufficient detail about the conditions for the operation of the Sberbank Premier program in 2016. According to the reviews of VIP clients, it practically does not have a worthy alternative in other credit institutions, if we take not specific personal offers, but the general style and level of services offered.

You need to make a reservation right away: you cannot automatically become a VIP client within the framework of the Premier program. Premium service is only available to those who agree to this offer. , filling out an application form at the bank office. And one agreement is not enough. You also need to fulfill a number of conditions and maintain your VIP status throughout the entire period of using the program. In this case, premium service is provided free of charge.

Account balance

The easiest way to become a Sberbank VIP is to have a minimum monthly account balance (or several personal ruble and foreign currency accounts) equivalent to 2.5 million rubles. Any type of account can be - current account, deposit, deposit, balance of own funds on the card. If over time the turnover and account balances decrease, then the client is billed for VIP service - 2,500 rubles per month.

When applying for membership in the circle of the elite, the client is granted a three-month grace period. If the condition of the minimum balance of 2.5 million rubles is not met, you need to pay a subscription fee for the entire grace period. It will be written off even if you cancel your membership in the program.

Salary on the card

Participation in a salary project is the second way to get into the privileged list of Sberbank clients. According to the regulation, monthly income to the salary card from the main employer must exceed 180 thousand rubles. Today, this is not such a rare amount, especially for Moscow, St. Petersburg and other large Russian cities. However, here an employee, even a high-ranking one, is completely dependent on the choice of his employer. If he prefers the salary project of another bank, you must either proceed to paragraph 1 (replenish your account up to 2.5 million), or ... take a large loan from Sberbank.

Preferred Borrowers

It is quite difficult to get consumer loans in the amount of 20 million rubles today, even in the capital. Therefore, the bulk of VIP clients who can use the Sberbank Premier service in connection with obtaining a loan are mortgage borrowers. They can fully enjoy all the benefits of premium service. They cannot get benefits on the main loan, but if the client needs additional borrowing and the bank approves their issuance, then the loan rates will be softer than those of “mere mortals”. Yes, and the interest on deposits will be higher if the mortgage borrower suddenly decides to issue them. The situation, by the way, is quite common - for example, a person serves a mortgage loan and at the same time saves up for a car or simply received a sum of money for safekeeping for a relatively short period. Temporarily free funds are best kept in a bank.

What other benefits and privileges do users of the Sberbank Premier project have? The main bank of the country has the richest palette of them. It includes both a personal financial service and numerous benefits in everyday life, travel and business.

Personal service

In all branches of Sberbank, VIP clients enjoy benefits - this is service out of turn or in special privileged zones.

Each client receives a personal consultant who can be contacted from anywhere in the world. The forms of communication are very different - phone, skype, e-mail. Each VIP client has a personal Sberbank Premier card, on which a unique six-digit digital code is registered. It is enough to contact the Sberbank call center in any convenient way and provide your code and phone number (if it differs from that indicated in the questionnaire). A personal manager will contact you in the near future and resolve any pressing issue.

Concierge program

The list of services includes the Concierge service - it is convenient for those who travel a lot around the world. Sberbank specialists will help you book a hotel and air tickets, rent a car and a comfortable yacht for a trip around the Mediterranean Sea. The Priority Pass option gives you the right to wait for a flight in the VIP lounges of 700 airports around the world, even if you have an economy class ticket.

Elite plastic cards

Sberbank Premier clients receive privileged VISA Platinum Premier and Master Card Black Edition Premier cards. In addition to the initial credit limit of 600 thousand rubles, they are also provided with several insurance programs.

1. Life, health and property.
2. Travelers worldwide (coverage up to €100,000).
3. Risk of theft or loss of the card (limit up to €5,000);
4. Protection of goods during purchases from damage, breakage, loss and other force majeure circumstances (limit €1,000 or $1,500).

For consultations on each type of insurance, a separate hotline is provided, to which you can promptly report an insured event.

"Premier" for business

If you run a private business using your Sberbank account, for example, you are engaged in trading, then membership in Sberbank Premier will help here too. Program participants have access to preferential exchange rates and precious metals, the absence of restrictions on their exchange and purchase and sale, the opportunity to buy and sell shares and securities and use free financial planning services. Participants can also rent safe deposit boxes at a 20% discount and enjoy many other benefits from Sberbank.

Sberbank Premier and the crisis in the economy

In general, a special service regime at Sberbank is not available to all Russians today. A monthly fee of 2,500 rubles can hardly scare citizens with medium and high incomes. However, the range of services included in the program is in demand by a much smaller number of Sberbank clients than it was even 2–3 years ago. The ruble fell in price, but, alas, the population no longer had rubles.

We are unlikely to see an expansion of the list of services for wealthy clients in the near future, and even less a reduction in the “entry ticket” to Premier. Most likely, Sberbank will focus on maintaining the existing customer base and will patiently wait for the stabilization of the economic situation in the country.

Terms of 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.
• If over the past few years the client has issued 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 upon connection:

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

Maintenance price

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

• During the grace period, regardless of the funds that are present on the accounts.
• The account should have 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 the above amount.
• If you disable the service, then for 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

Members of the program can place their money at premium rates. There are several tariff plans in the Sberbank Premier service package, such as Save, Replenish, and Manage.

Bank premium cards

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

1. Cash insurance.
2. Insurance for persons who are abroad.
3. A personal specialist who will help you book a hotel room, a ticket to a concert, and more.
4. Premium card "Priority Pass".
5. Additional conditions regarding insurance.
6. You can pay for the purchase in a contactless way.
7. Customers are constantly provided not only discounts, but also bonuses.

Purchases will be protected as the item is insured for 3 months in case of theft or loss. If you buy goods and pay with a Visa Platinum premium card, the period will be doubled.

Credit cards with reduced interest

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

1. Visa or MasterCard Gold allows you to buy goods in stores located around the world;
2. 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;
3. Visa Gold and Classic Aeroflot provides customers with the opportunity to collect bonuses and exchange them for tickets with which you can visit 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 and eliminate 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 cancel the Sberbank Premier service

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

Sberbank of Russia offers its customers such a service as Sberbank Premier. What it is? Let's try to understand in more detail. The service is essentially a specialized service format that is available only to wealthy clients of the largest bank in the country. The offer provides for a high level of service and comprehensive confidentiality during negotiations, out-of-order service at any branch and the assistance of a personal manager in selecting ideal banking products.

How to become a client of the Sberbank Premier program and what benefits can I get?

The Sberbank Premier program, whose customer reviews are extremely positive, is provided to a certain category of people completely free of charge. In order to be included in the list of privileged clients, you must meet one of the prerequisites:

• The presence of a deposit in a financial institution in the amount of 1 million to 8 million rubles.
• Belonging to payroll clients, with the receipt of wages on the card of Sberbank of Russia over the past 6 months in the amount of 150 to 500 thousand per month.

Requirements may be adjusted depending on the region where this format of cooperation is offered. Connection to the service is carried out by telephone. Clients with an accumulated deposit of 8 million rubles or a balance of debt on loans of more than 20 million rubles can apply for VIP service.

Unique and profitable offers

We continue to consider the Sberbank Premier program. What it is will allow you to see a wide range of offers within the service. It is worth mentioning the attractive deposit rates:

• Premier Save up to 11.34% in rubles.
• "Special Refill" from 11.02% to 11.67% in rubles.
• "Special Manage" from 10.31% to 11.20% in rubles.

Clients can obtain premium plastic cards Visa Platinum and World MasterCard Black Edition. VIP clients get a unique opportunity to invest in mutual funds and

"Premier": the best offer for wealthy clients

The Sberbank Premier program, with very attractive interest rates, was designed to meet all the needs of wealthy clients. People who have large capitals in their hands now have the opportunity to invest their funds in high-yield programs with high reliability and minimal risks. Sberbank Premier clients are privileged depositors with whom work is carried out on an individual basis.

Professional managers, taking into account the specifics of the issue and needs, offer the most optimal financial products. The classification of all clients of the financial institution into groups allowed us to move the service to a higher level.

Why do you need Premier Services?

The Sberbank Premier service, the feedback from employees about which is extremely positive, is aimed at people who have large personal capital at their disposal. It's no secret that the larger the amount of savings, the more professional management they require. The best experts of Sberbank of Russia offer effective solutions in terms of managing personal finances. Each VIP partner has access to a personal telephone line within the Contact Center. Any issues can be resolved without visiting the branches of a financial institution. This is very convenient for business people who almost always do not have enough free time. A professional financial consultant is provided in the person of an individual manager. He will provide indispensable assistance in the formation of a long-term investment strategy, will find the most profitable and optimal directions for its implementation. The Sberbank Premier program, within which the interest on deposits is an order of magnitude higher than the market, offers several more innovative banking products, access to which only privileged clients have. These are “Deposit and Mutual Fund” and “Deposit, Mutual Fund and OMS”.

The "cream" of banking services in one package

The Sberbank Premier service, which was discussed above, is essentially a set of the best offers of the bank. A complex product, with minimal time and limited effort, allows you to manage your capital as efficiently as possible. A variety of areas for investing capital are more than just promising. In addition to the traditional investment in a deposit, privileged clients have access to deposits in such highly profitable assets as precious metals and securities. The vast majority of small investors not only have never been interested in these areas, they have never even come across them.

Buying mutual funds: many advantages in one package

Consider mutual funds - one of the most profitable areas offered under the Sberbank Premier program. What is it, let's try to sort it out in order. The main value of the offer is that it allows you to personally experience all the advantages of stocks and bonds. Funds invested in are supervised by professional managers. The unit holder may not independently monitor the market situation, analyze it and make decisions regarding the purchase and sale of securities. The ratio of the expected level of profit and the profitability of the product will depend solely on which securities the assets are invested in: stocks, bonds, or both assets at the same time. Premier Sberbank offers to do all the main work for the investor. Thanks to the collection of investments in one asset, experienced managers collect the most profitable and differentiated, economically stable portfolios.

OMS - an offer only for the elite

Clients of the program can become owners of unallocated metal accounts or CHI, which are calculated in grams of metal. Profit from this type of deposits is derived from changes in the value of precious metals on the international market. This offer from Sberbank Premier receives only positive reviews, which has a certain connection with the benefits it offers. The main advantage of the program is the complete absence of VAT and difficulties with metal storage. The probability of theft and damage to property is completely excluded, since the grams of the precious metal are virtual. All credit and settlement operations for each of the accounts are carried out very simply. The offer is indispensable for conservative investors who pay sufficient attention to the distribution of risks and invest in the products of Sberbank. The "Premier" deposit in the OMS format with gold, made for a long time, is a great opportunity to increase your capital with almost no risks. For silver, platinum and palladium, these MLAs are more suitable for investors with a good track record.

Dominant investment rules

Servicing privileged clients at the highest level is not the only thing that Sberbank offers. The "Premier" contribution to the "Deposit + Mutual Fund" product is available to the VIP sector with an investment of 100,000 rubles or more. It is worth emphasizing that the size of the "Investment" deposit, which is included in the product structure, can be as high as 50%. The funds spent on the purchase of units must either be equal to or exceed the amount of the deposit itself. Under the program "Deposit, Mutual Investment Fund and Compulsory Medical Insurance", the minimum investment amount should be equal to 150 thousand rubles. The size of the "Portfolio" deposit should not exceed 33.3% of the funds on the account. At the same time, the size of investments in shares or in compulsory medical insurance must either correspond to the volume of the deposit, or exceed it.

Interest rates, or Course for increased income

The Sberbank Premier service offers very attractive partnership conditions. For example, interest rates under the Investment and Portfolio programs are an order of magnitude higher than those for standard deposits. Depending on the specifics of the product and the duration of investment in it, the percentage can vary from 7 to 12.5% ​​in rubles. Accrual to the account is carried out in case of an increase in the value of quotations for securities and precious metals. The ratio of risk and profitability can be easily adjusted by acquiring a certain type of impersonal metals and shares from different mutual funds.

Bank "Premier Sberbank" (department for privileged clients) provides for certain conditions of partnership. Deposits are issued for a short period: 1 month and 1 day, 3 months and 1 day. All other prolongations of deposits are available under the "Save" program. When the terms of deposit programs expire, they can simply be closed. A more profitable option is the expectation of an increase in the value of assets on the international market with a view to their further sale at the highest possible cost. Each complex product is accompanied by individual investment programs.

For those whose income is not limited to wages, Sberbank offers a range of services that allow you to profit from your own money efficiently and comfortably. Interest rates on deposits increased for amounts from one million rubles.

For those who have 1.5 million in Sberbank (for Moscow - 2.5) and more, the Premier package is free.

Clients receive:

• favorable conditions for traditional banking products;
• premium privileges from bank partners;
• free financial services for everyday comfort.

What does Sberbank Premium include? How to get the most out of it?

The essence of the service package

The list of services is extensive:

• Visa Platinum or MC World Black Edition - up to 5 pieces;
• increased cashback on the card when paying in stores in the amount of 80 thousand rubles. in the previous month;
• increase in the rate by 0.8% on deposits from 1 million rubles;
• favorable exchange rate;
• 20% discount for safe storage;
• Priority Pass;
• Extended travel insurance program abroad and in Russia;
• remote consultation of doctors from leading clinics in the world;
• premium consulting and technical support of the bank;
• filling out 3-personal income tax.

What is premium service?

Buying a package provides a significant cost benefit.

For example, paying separately:

1. Each premium card costs 4900 rubles. in year.
2. Entrance to the Priority Pass Business Lounge costs EUR 24 per person per visit.
3. An insurance policy, according to conditions comparable to that received within the framework of Premier Sberbank, costs more than 3,500 rubles a year.
4. The cost of professionally filling out 3-personal income tax significantly depends on the region, on average it is 500-1000 rubles.
5. Finding a doctor for a remote consultation takes time. The costs can turn into hundreds, thousands of dollars / euros. The likelihood of receiving assistance of dubious qualifications is high.

The cost of the listed services exceeds the fee for the year of the Premier package from Sberbank. Getting the service for free is an essential privilege.

About the level of service

Premium gives the right to service without a queue, in special rooms of increased comfort. Personal manager:

• owns full information about the accounts, services that the client uses at Sberbank;
• ready to consult on any issue of interest;
• informs about the appearance of new offers, their benefits;
• ready for a personal meeting at the agreed time in the office.

Issues can also be resolved remotely via a dedicated line.

As an advantage, federal loan bonds can be purchased at Sberbank branches with premium service.

Premium card

Main characteristics:

Kinds

The Sberbank Premier service package allows you to receive up to 5 plastic cards at no extra charge. They work in international payment systems. Platinum and World Black belong to the premium segment, providing privileges that are not available to holders of classic products.

MasterCard has its own network of VIP lounges at international airports. In Russia, there is only one such, in terminal E of Sheremetyevo.

Opportunities from Visa:

• medical and legal advice while traveling in all countries;
• doubling the guarantee for goods purchased with a card;
• free admission to art evenings.

Discounted Credit Cards

The rate on the premium credit card is 21.9%. This is 2% lower than the Classic. Using the amount of 600 thousand rubles, you will save 1000 rubles on interest every month.

Contributions

The product line differs from the offers on a general basis. With a deposit size of one million rubles, the interest rate automatically rises by 0.8%. Income increases by 8,000 rubles a year for every million.

Favorable currency exchange

The difference between the prices for currency at the bank's cash desks and in premium zones is over 50 kopecks for each conventional unit, often reaching the ruble.

When exchanging every thousand euros, you save more than 500 rubles. The preferential rate is valid when paying with a premium card abroad.

Safe boxes

A 20% discount is provided for safe storage and all related services. The exception is the minimum cost set by the tariff plan.

Priority Pass

The world's largest chain of airport lounges offers guests:

• comfortable sofas;
• drinks, including alcoholic ones;
• snacks;
• wifi;
• fresh press;
• in some cities conference rooms, showers.

Sberbank customers using the Premier package get access to the VIP service for themselves and their fellow travelers without additional payments. In all lounges, service is premium, regardless of the class of the ticket. To visit, it is enough to present a Priority Pass card, no advance booking is required. It is recommended to clarify in advance the allowable number of fellow travelers, each hall sets it independently, depending on the possibilities.

Insurance

Sberbank insures Premier clients on all trips across all countries without intermediaries. The exception is the territory within a radius of 100 km from the place of permanent registration. For citizens of foreign countries, insurance does not cover cases that occurred in their home country.

Reimbursable expenses:

• medical, including sports injuries;
• lost luggage;
• Flight delay;
• not to leave;
• early return;
• Civil responsibility.

The policy is valid 90 days a year. It is accepted by all embassies when applying for a visa.

The insurance applies to a client of Sberbank Premier aged 18–70 and his fellow travelers:

• spouse (s) under 70;
• minors and children studying in universities;
• additional card holder not older than 70 years.

The medicine

Scan the available treatment documents and submit them to the bank's insurance company. Within 2 weeks you will receive a conclusion from a specialist doctor in one of the leading clinics in the world. If additional studies are recommended to you, insurance will cover up to $500 of their cost.

The Premier client and his family members have the right to consultation. The maximum total frequency of calls is twice a year.

Help with tax refunds

Specialists fill out the 3-NDFL declaration based on the scans of primary documents provided by you. You are eligible for a tax deduction if:

• buy a home;
• pay mortgage interest
• pay for treatment, education;
• participate in charity;
• insure life;
• transfer money to NPF;
• open an investment account.

Civil servants can choose to issue a certificate of income, expenses and property instead of 3-personal income tax.

Other benefits and privileges

As a holder of an international card, you can apply for remote technical support around the world around the clock. In addition, payment systems offer a number of privileges to their customers.

MasterCard allows you to connect, which will be credited with all purchases. The received bonus points can be exchanged for certificates of different chain stores.

Visa has a wide partner network among hotels, tour agencies, outlets. You will receive discounts when paying by card, free early check-in, sea view or Veuve Clicquot breakfast incentives.

How to start using the service package?

Many existing clients with a positive history are invited to visit the office to get acquainted with the service package.

You can independently submit an application for registration through the Sberbank website by clicking on the appropriate button on the page with information about Premier Services. A minimum of information is required: region, full name, phone number.

You can report your desire to use the Sberbank Premier service directly at the branch.

In any case, the manager will agree with you the time of the meeting for a conversation and preparation of the necessary documents. Registration takes place in offices offering premium service. Their coordinates are on the Sberbank website. Don't forget your passport!

Client Requirements

Sberbank determines the only criterion for Premier clients - age from 18 years. However, there are restrictions on the design of individual products:

• credit cards are issued to customers aged 21-65;
• plastic requires registration in the Russian Federation;
• The insurance covers clients under the age of 70.

Terms of use

Sberbank offers a free trial period for 2 months. At the end of it, the service may become paid.

For customers who have a total balance of 1.5 million rubles on their Sberbank accounts on the last day of the month. (in Moscow 2.5 million), the premium package of services is free. If the amount is less, a fee will be charged. Monthly billing.

Maintenance cost

2500 rubles per month are written off in the absence of grounds for free provision.

Pros and cons of the package

Benefits of the Premier Package:

• cost benefit if all services are used;
• maintenance of the package costs the same amount per year as Visa Infinity, while the service is more diverse, the privileges are more attractive to most customers, monthly billing with the possibility of free maintenance in certain periods or throughout the entire period;
• premium service employees are more qualified than in areas of mass customer flow;
• individual approach;
• quick approval of loans, including mortgages;
• insurance conditions correspond to the policy, which in many insurance companies costs comparable to the Premier package;
• by paying a fixed amount (2500 rubles), access to preferential tariffs for an unlimited volume of the product (interest rates, exchange rate, safe storage) is opened;
• technical support on a dedicated line without a long wait.

Flaws:

• the cost of servicing is high compared to most other banking offers;
• not all offices have premium customer service areas, you have to travel;
• accrual of increased bonuses Thank you occurs only when paying by card in the previous month 80 thousand rubles. and more.

When does it make sense to take a package of services?

The benefits of the complex are obvious to those who use:

• premium services for free;
• all services included in Premier.

How to understand the usefulness for others?

Weigh for yourself the effect of buying a package. Maybe:

• you are not interested in preferential interest rates because products are not needed;
• a premium card issued outside the package will bring more benefits; for an independent product, increased cashback is credited regardless of the expenses in the previous month;
• insurance provided by Visa Signature is a more suitable product;
• Priority Pass is enough, purchased separately for a year for 99 euros, or it is not needed at all;
• Visa Aeroflot will provide optimal privileges from the airline, they will be enough;
• remote consultations of doctors are not relevant.

The calculator on the Premier package page of the Sberbank website will help you calculate the efficiency for yourself with high accuracy. You can set the initial data appropriate for your situation.

Product Review Analysis

There are a lot of negative reviews online. We list the main negative theses:

• impose a service, mentioning at the last moment that this is the Prime Minister;
• offer to issue an expensive package to those whose income is not commensurate with the cost of service;
• do not give the contract in hand, only a copy of the application;

Attention! Formally, the conclusion of an agreement in the form of an exchange of documents is permitted by law. The client signs for being familiar with the conditions of the bank. Be vigilant, get acquainted, study, demand a copy in your hands!

• difficulties in deciding to refuse services.

Attention! The declared opportunity to terminate the contract through the contact center in practice turns into technical failures, delaying time, monthly write-offs of 2,500 rubles, contrary to the wishes of the client. Refuse in writing, demand a copy of the application with the bank's mark!

Positive reviews are more concise, but no less significant:

• existing customers almost unanimously note the special attraction of privileges for travelers;
• extremely useful service for wealthy people.

Individual users practice a calculated approach:

1. open the Premier package;
2. go on vacation;
3. write a statement of refusal of services, hand over cards.

Even if you need to pay 2500 for a month of service, the operation is beneficial when traveling abroad. If you manage to get visas, fly off (waiting for flights in VIP lounges), return and terminate the contract during the trial period, it will be masterful.

Conclusion

Sberbank Premier is focused on customers with incomes well above average. The bank offers significant privileges to those who are ready to store millions of dollars in it, to provide the organization with assets.

The terms of the package also leave the opportunity to use the extra comfort service for free as a one-time bonus.

High competition causes the imposition of services to a non-target audience. For example, for the average pensioner or specialist, Premier is burdensome, often useless.

Please read the terms and conditions carefully before signing. Be aware of the difficulty of proving the fact of filing an application by phone or in any other oral form. It is far-sighted to have a written copy of the document.

Sberbank offers the Sberbank Premier service package for regular customers. Service is carried out in a special manner with the provision of a number of benefits and bonuses.

What is the Sberbank Premier program?

The Sberbank Premier program is a preferential service, a package of additional services that regular customers of the bank can use. The service includes such bonuses as personal counseling, the ability to resolve issues using a dedicated hotline, preferential loans, and many others.

How to become a client of the program

The conditions for joining the program for clients are as follows:

1. The presence of a deposit in Sberbank of at least 400 thousand rubles.
2. Participation in a salary project with a salary of 50 thousand rubles per month.

It is enough to meet either the first or second characteristic. When joining the program, you must obtain a Premier card of the Visa or MasterCard type. The application can be submitted through the form on the website. After submitting the application, the specialist will call you back and set a meeting time to sign the documents.

Benefits of Sberbank Premier

The program provides additional services for comparison with ordinary users:

1. Individual consultation without queues and long waiting.
2. Attached manager.
3. Confidential service in a separate office.
4. Service by phone 8-800-555-02-55, 8-495-669-06-38. The call is free around the clock.
5. Beneficial products: deposits with a higher rate, attractive lending conditions, the ability to connect several Sberbank VIP cards.
6. Participation in promotions and bonus programs of Sberbank, preferential money transfers.

You can get the necessary service or advice at any time convenient for the program participant, at any branch of Sberbank.

Profitable offers in the program

Sberbank Premier offers preferential terms for lending, deposits, transactions with currency and precious metals. Interest rates on deposits range from 1 to 10.6% depending on the type and terms of the deposit. Credit rates from 7 to 19% per annum.

Free issuance of Visa Platinum and MasterCard bank cards is provided. The use of cards opens up a number of additional possibilities:

1. Insurance service against loss, theft of a card, theft of funds. Up to $2,000 is reimbursed.
2. Insurance for trips abroad against loss of luggage, reimbursement of expenses in case of flight cancellations. Insurance is available for the whole family. The amount of payments reaches 100,000 dollars.
3. Purchase Protection insurance for Visa Platinum holders. When paying for goods with this card, the amount of insurance will be up to $ 20,000.
4. Premier Concierge Service. A hotline has been opened to help organize recreation. Managers will help to book a hotel, rent a car, provide information about events, currency exchange methods and any other information of interest to the client. Phones: 8-800-700-22-55 - for customers with a Visa Platinum card, 8-800-333-56-45 - for World MasterCard holders.
5. VIP waiting area at the airport. Regardless of the class of tickets, program participants get the opportunity to spend time waiting for a flight in a comfortable waiting room. To use the service, you need to get a Prioriti Pass card.

Why do you need services under the Sberbank Premier program

Service within the framework of the program allows you to effectively save time on solving financial issues, use the bank's products with significant benefits. You can open up to 5 Premier Visa or MasterCard cards. The cards also offer an improved service package. Program participants travel comfortably and are insured against unpleasant incidents on the road. Discounts are provided for purchases by kat in many federal retail chains.

Holders of large amounts benefit from deposits at higher interest rates. It is possible to take a profitable loan for vacation, purchase of large things at an acceptable percentage.

Interest rates in the program

Interest on deposits depends on the product of the bank. The following contributions are now presented:

1. "Special Save". The rate is from 7.7 to 10.16% per annum. Deposit term from 1 to 36 months. The deposit is one-time, it cannot be replenished. The minimum amount is 1 million rubles. There is a monthly accrual of interest that can be withdrawn.
2. "Special Refill". Deposit interest up to 9.45 per annum. Deposit term up to 36 months. The minimum amount is 1 million rubles. Opportunity to replenish the deposit and monthly withdrawal of interest.
3. "Special Manage". Interest on the deposit from 7.8 to 8.44 per annum. It is possible to withdraw part of the funds from the deposit. The interest rate depends on the minimum balance on the deposit. A deposit is made for a period of 3 to 36 months.

Consumer lending conditions for Sberbank Premier members include several products:

• housing loan at 12% per annum;
• consumer credit up to 1,000,000 rubles at 15.9%;
• educational loan in the amount of 45,000 rubles at 7.05%.

Insurance in the program

Life insurance is provided in the format of the Smart Plus program. Investments are saved for 5 years. Dividends from securities and high-yield funds are accrued on the investment amount.

Cumulative insurance allows you to create a budget for certain purposes, such as paying for the education of children or buying real estate. The program saves money. The sum insured cannot be withdrawn or divided upon divorce.

Premier Visa and MasterCard cardholders are included in the travel insurance program. The insurance applies to all family members and is accepted by embassies when applying for visas. The funds on the cards are also insured. Insurance is issued by Sberbank Insurance.

Preferential exchange rates from Sberbank Premier

Especially for participants in the Sberbank Premier program, the purchase and sale of foreign currency is carried out at a preferential rate. The exchange rate can be found through the Hotline or from a personal manager or on the website

It is worth noting that when making transactions, the exchange rate may change slightly. For example, when debiting from the card, the rate may differ from the rate that was at the time of the exchange. Changes in the cost of selling a currency can be tracked on the charts.

Program cost

You can use Sberbank Premier products free of charge for 2 months. If the client has an amount of 2.5 million rubles in the bank, then the free service remains. To continue the free service, the amount must be irreducible. With a smaller amount on the account, a subscription fee of 2500 rubles is debited monthly. If the client decides to disable the program during the grace period, the amount of 2,500 rubles will be debited in any case: the grace period plus the month of application consideration.

How to connect the program?

An application for connecting Sberbank Premier can be left via the link directly on the website.

After filling in the necessary information, the manager contacts the clients and specifies the bank branch and a convenient time for processing documents. At the meeting, it is proposed to conclude a service agreement, the possibilities of the program are discussed. After the conclusion of the agreement, the client becomes a full member of Sberbank Premier and can use all the conveniences of servicing in this format.