How to open an account with Sberbank to an individual? Account for non-cash payment, pension account

Opening an account with a bank is an important matter that does not tolerate haste and making wrong decisions. At the same time, special attention is paid to the very purpose of applying to a financial institution. For example, it can be getting a pension, making a card, etc. How to open an account with Sberbank to an individual and under what conditions you can do it, we'll talk about this article.

Who can open an account with Sberbank?

Most often, the opening of an account is associated with the need for various financial transactions. All citizens of the Russian Federation who have reached the age of majority and have a residence permit or registration can open their account in the Savings Bank. It can be both physical, and legal persons, and also corporate clients. To do this, they need to come to the nearest branch of the credit institution with a passport or perform it remotely via Sberbank-Online.

What determines the choice of the program?

If you are just thinking about how to open an account with Sberbank to an individual, start by defining the goal. And already on its basis it will be possible to consider in detail the conditions for processing a particular banking product. Also, before you start contacting a bank representative, you should answer the following questions:

• Whether other people will be able to participate in the work of your account (for example, if the next of kin expresses a desire to put a certain amount);
• Whether you are planning to wait until the end of the term of your contract or want to withdraw interest on demand and ahead of time;
• Do you expect to keep a fireproof residue on your account or you want to withdraw the entire amount from it to a penny.

About how to open an account with Sberbank to an individual, we'll talk further.

For what purposes can individuals open accounts?

Depending on the bank program and its intended purpose, available accounts for individuals are conventionally divided into four main types:

• Calculated;
• Current;
• Accumulative or deposit;
• Card.

Settlement accounts in Sberbank

The settlement account is usually opened by private individuals with a view to their further participation in deposit programs operating in the bank, as well as in case of need. For example, a powerful argument for this action is the receipt of wages, pensions or social benefits. On how to open an account in Sberbank to an individual for a cashless settlement, we'll answer below.

Current and card accounts in Sberbank

The current, or "working" account, is usually used to perform the necessary operations (sending or receiving money) and keeping personal finances.

Card accounts are conventionally divided into two types:

• Debit;
• Credit.

If you have no idea how to open an account with Sberbank for a private pensioner and what kind of card account to choose, pay attention to debit. These accounts are just designed to perform a variety of payments, including pensions, wages, social benefits and alimony. When making a debit account, you become the owner of a plastic card. In the future, you can withdraw cash from it and make purchases within the amount that is in your account.

The credit card has a certain limit and allows the customer to make purchases within this amount. At the same time for the use of credit, you also have to pay a percentage of the bank. Accordingly, a new loan can be taken at full repayment of the previous one.

Cumulative or deposit accounts

Separate attention worthy, perhaps, savings and deposit accounts. They will suit you, if you decide to get information about how to open an account with Sberbank in a foreign currency and save money. Deposit accounts are of two types:

• Savings;
• Accumulative.

The meaning of opening such accounts is as follows: you put an unlimited amount of money into your account and expect a certain time; During the period of storage of your money in the bank, interest accumulates, which can be withdrawn either at the end of the term of the agreement, or do it as necessary, for example, monthly (quarterly).

How to open an account with Sberbank to an individual?

To open a current account in the Savings Bank of Russia, you need to contact the representatives of the credit organization with a passport and a small amount for the first installment. For example, when choosing the deposit program "Save", the client of the bank will be required to write an application and deposit at least 1000 rubles, 100 $ or 100 €.

However, before opening an account with Sberbank for an individual at interest, it is necessary to carefully study the conditions of the bank's current programs. For example, all the same "Save" deposit is opened in national and foreign currency for a period of from a month to three years. It does not provide for partial withdrawal and replenishment, but assumes a monthly capitalization of interest.

How to open a bank account for a pension?

For example, when applying to Sberbank, you decided to open a card account and get a "Classic" or "Social" card. What do you need to get it ready and received? In order to receive this card and open an account, you need to apply to any branch of Sberbank at your place of residence, write an application and make your passport, TIN and pension certificate information in it. At the same time, it is necessary to enter information about the Pension Fund in the corresponding column, which also pays you a pension. Then you should give the application form to the representative of the bank and wait for it to be considered from one to two days. After this period you will be opened an account and issued a card or denied it.

In case of a positive answer and receiving a card, you will only have to take the necessary details of the Savings Bank (R / S, MFO) and transfer them to your Pension Fund. Later, you can easily receive a pension at the nearest ATMs of the bank.

Note: if you decide to have your own account in your name, then you need to be personally present at the execution of all documents in order to realize your plan. If you plan to make an account, for example, on your child or any other close relative, friend, colleague, then it makes sense for you first to find out how to open an account with Sberbank to a private person for another person. This we will talk about later.

Are there benefits for pensioners when opening deposits?

According to the current banking regulations, certain loyalty programs work for contributors of retirement age. For example, when opening a deposit "Recharge" or "Retain" pensioners the maximum allowed interest rate is waiting.

Is it difficult to open accounts to accumulate interest?

Do you want to open an account in Sberbank and save up, for example, education for your child? Then it is worth considering the savings programs, which are widely represented in the Savings Bank. For example, your choice fell on the unlimited deposit "Demand for Sberbank of Russia". How to open it?

You can open a similar deposit in national and foreign currency by passport and in any branch of the bank. Exceptions are deposits opened in rare types of currency. In order to open accounts in this case, it is necessary to specify in advance the list of branches that provide such a service. The remaining depositors need to draw up an agreement with the bank, which specify the following:

• Amount and currency of the investment;
• Term of investment;
• Expiration date of the investment period;
• Incoming and outgoing deposit operations;
• The minimum deposit amount for the deposit in cash;
• Frequency of making additional contributions;
• The size of the fireproof residue;
• Periodicity of payment of interest;
• FULL NAME;
• Address and contact details.

Also opening of a deposit account is possible with the help of ATMs, terminals and other services with remote maintenance. About how it is possible and how to open an account in Sberbank to a private individual for a different name, we will tell further.

Is it possible to open a deposit on someone else's name?

Open an account and contribute to someone else's name allowed. For example, you decided to donate a contribution to your spouse. In this case, you need to come to any bank branch, and then draw up a contract by presenting your passport. You will also need to specify the following:

• Name of third party;
• Number and year of birth;
• Presence of citizenship;
• Contact address of registration;
• A version of the third party's document with its requisites.

If you do not know how to open an account with Sberbank to an individual without his presence, we will help you to understand this.

Is it possible to open an account for a third party, but without his presence?

Without the presence of a third person, you can open a deposit. This is done by analogy with the previous design. The only thing is that if the accountant is being opened by the secretary or accountant of the enterprise, then in addition to the above-mentioned documents, he must present a notarized power of attorney. For example, if a foreigner plans to open an account with Sberbank not personally, but through an intermediary, then he must provide the bank with a power of attorney signed by either a notary or a consul.

How many contributions can one person make? An individual residing in the territory of the Russian Federation has every right to open an unlimited number of deposits, if desired.

How to open an account in a foreign currency?

Most of the deposits and accounts operate in two directions - foreign and domestic currency. Therefore, the opening of such accounts is not connected with any difficulties. For example, you decided to open a deposit in US dollars. What is needed for this? To open such an account it is necessary to apply to the bank and, according to the current Russian legislation, choose the appropriate deposit.

For example, you have chosen the program of the unlimited deposit "Universal" with the possibility of partial withdrawal, replenishment and monthly accrual of the balance. To open such an account, you need to enter into an agreement with the bank and deposit at least $ 5 into your account. In addition to everything, you can make a testamentary order or a power of attorney to your next of kin.

Is it possible to open an account with Sberbank to foreigners?

Still do not know how to open an account with a private individual in Sberbank? To begin with, you should come to any branch of the bank, write an application and provide the following documents:

• Passport (passport or document that gives the right to live in Russia);
• Migration card.

When drafting a contract, pay attention to the fact that you can specify the persons and their passport data, which in your absence or on your behalf can use the deposit. And, of course, you will need to select the investment currency and deposit the minimum allowable amount for the deposit.