"Piggy Bank" from Sberbank: customer reviews

Each of us at least once in life tried to raise money to afford to buy this or that thing, go on a trip or make an unforgettable gift to the closest person. For some, this task is quite simple, but for most of us, as a rule, it turns out to be unbearable. Creating savings requires us to discipline, often saving.

About the service

To accumulate the right amount, you need to allocate a part of your monthly budget every month and postpone it. And then store it under the mattress, in the sugar bowl on the shelf or, more recently, on a separate bank account. And very often it turns out that circumstances prevent us from achieving our goals. That extra money last month was not, then the bank did not have time to reach, then there were unplanned expenses that were closed by reducing the accumulated amount. Here can help "piggy bank" from the Savings Bank. Feedback on this service, we will consider in the article.

More recently, Sberbank has launched a new convenient service for savings called "Kopilka". It's a wonderful way to move to your goal in small but sure steps. Namely, to carry out their small dreams, having accumulated the necessary amount for the purchase of a new gadget or tickets for a plane to paradise islands.

What is "Piggy Bank"?

"Piggy Bank", in fact, is an electronic account of the customer, on which the savings will be stored. Such a system is not only convenient, but also safe. Now your savings will be protected against embezzlement, which they could be exposed to when stored under the mattress. But beyond that, the service has a number of other various advantages. You do not need to go to the bank in order to deposit the accumulated amount into a savings account. You do not need to stand in lines and do not even have to worry about that you can forget to make a transfer to a separate savings account, because the service provides automatic money transfer according to the specified rules.

This is noteworthy "Money Box" from the Savings Bank. Reviews about it are only positive.

The purpose of the service is to help the bank's clients in accumulating a certain amount of money to buy a thing or service. It is savings, and not the receipt of additional funds through the calculation of interest. For this, a huge range of different contributions is available.

So, let's take a closer look at all the features and benefits of the new service, as well as how to connect it, the rules of use and the nuances.

The principle of the "Piggy Bank" service

From Sberbank "Piggy Bank" (the reviews confirm this) works as follows.

Suppose, on a monthly basis, 10 days on the card, there are receipts in the amount of 20 thousand rubles. And on the eleventh day there will be an automatic transfer of the amount of 10%, that is 2 000 rubles. And such an enumeration will be made every month of a certain number. By simple calculations we see that for the year in your "Kopilka" there will already be 24 thousand rubles. Agree, a very good amount! Absolutely all the parameters of the service are easily configured at the request of the client, taking into account its capabilities, needs and goals.

Connection types

Sberbank provides for several types of "Piggy Bank", you can choose the most convenient option:

1. With a fixed amount of transfers. When choosing this service, a fixed amount will be transferred monthly from the customer's debit card.
2. With the transfer of a percentage of the amount of income. It means that the savings account will automatically transfer the percentage from each receipt to the debit card. For example, on March 5 you received a salary of 30 thousand rubles, and on March 6 a transfer of 20% of this amount will be made from the card. That is 6 000 rubles. Or, for example, on April 18, you replenished your card with 2,000 rubles, then on April 29 a transfer of 20% to 200 rubles will take place.
3. With transfer of percent from the sum of expenses. In this case, you set the percentage of daily expenses. For example, 5%. Today you spend 500 rubles in a cafe with friends, and tomorrow a piggy bank will be replenished by 25 rubles. Or the new sneakers for 1,500 rubles will replenish your piggy bank for 75 rubles.

So it is very convenient "Money Box" from the Savings Bank. Reviews confirm the convenience of savings with this service.

For the convenience of the client, when using the service and operational control of finances, the bank provides a free SMS notification of all transactions.

In addition, the user can set the maximum amount of the transfer, upon exceeding which the operation will need to be confirmed.

Among other things, all operations in Kopilka for enrollment and cancellation, as well as the total amount of savings, are reflected in the personal account of Sberbank Online.

Ways to connect

Reviews of the "Kopilka" claim that this is a simple service, so connecting it is fairly easy. Do not go to the bank and write a statement.

To date, there is only one way to connect the service - it's Sberbank Online. It turns out that you can connect the "Money Box" to your debit card only from someone whose personal account is already registered. And if you do not use it yet, we will tell you how to register in it.

We set up "Sberbank Online"

So, first we connect the service "Sberbank Online". The registration process is reduced to obtaining a permanent login (identifier) and a password that will allow you to pass through the identification. And how does the Piggy Bank connect from Sberbank? Terms of user reviews are characterized as very simple.

Also, you should know that you can connect Sberbank Online only if you have at least one bank card.

Receiving an ID in the bank branch

For the identifier and password to connect the service, you need to go to the bank with a passport and a card issued in the same region. Any free operator in the bank branch will help you pass the registration of a universal service contract and after that will issue a login and password.

Receipt of the ID in the ATM

Probably the easiest and fastest way to get an identifier. To do this, you simply need to insert a card into any ATM or terminal, enter a PIN code. After the registration is completed and the service is connected, the ATM will print the confirmation on the check, where it will contain the required identifier and password for access.

Receiving an identifier through the helpdesk

An ambiguous way to get an identifier. On the one hand, you do not have to go anywhere, stand in lines. You just need to call the hotline number. But, on the other hand, you need to tell the operator all the registration information, and there are quite a few of it: the owner's data, the card number, the secret word, and the place where the card was registered, and possibly the data of the last operation. Only after that, the support operator will tell you the identifier to be written or remembered. Then you need to get a permanent password. To do this, just send a message with the text parol to number 900.

After you received your login and permanent password, you just need to go to the service site or install a mobile application on your phone, enter your data and start using the service.

What is "Piggy Bank" in "Sberbank Online"? Reviews confirm that this is a very popular service.

Step-by-step instruction

Now that you have access, we will turn to step-by-step instructions for connecting the "Piggy Bank" service of interest to us. So, for this you need:

1. Connect to the personal cabinet of Sberbank Online, specifying your personal ID and password.
2. Select the card to which you want to connect the "Piggy Bank", and go to operations on this card by clicking the corresponding button opposite it. In the drop-down menu, select "Connect Piggy Bank".
3. You need to configure the parameters of the "Piggy Bank" that is being created. For a start, you can give it a name, for example "for air tickets" or "for summer tires."

Now you need to choose the type of service. What is "Piggy Bank" in "Sberbank Online" (user reviews we will introduce below) and how to connect it, it is understandable.

If the "Piggy Bank" will be with a fixed amount of enrollment, it is necessary to indicate the amount of the amount, the frequency of enrollment and the nearest date of the first replenishment.

If you decide that your "Money Box" will be of the type "interest from enrollment" or "percentage of write-off", then you must specify the interest itself, to which the "Money Box" will be replenished. It is also necessary to indicate the amount of the maximum replenishment. If the calculated amount exceeds the maximum, then you will be asked to confirm the replenishment in the form of an SMS message. If you agree with the amount of replenishment, you will need to send a response message. Otherwise, "Piggy Bank" will be replenished to the maximum amount set.

It is possible that you want to change the settings of the "Piggy Bank", the date of replenishment or the type of service, and maybe the amount of the replenishment. In this case, you need to use the "Information on the deposit" menu, to which the service is connected.

How to use Sberbank's "Sink"? Reviews confirm that everything is extremely simple.

How can I find out the balance?

You can find out the balance of your Piggy Bank absolutely in any branch of the bank, through your personal account in the Sberbank Online service, and also through SMS notifications that you will receive at each operation when the deposit is replenished. "Piggy bank" from the Savings Bank (and reviews of satisfied users to confirm this) is gaining popularity.

How to withdraw money?

When the balance of your Piggy Bank has reached the required level, you can get the desired amount in cash in the following ways:

• In any branch of the bank, presenting a passport.
• Through "Sberbank Online". In this case, you need to enter your personal account, go to the section "Payments and transfers", select the account to which replenishes the "Money Box", and make a transfer to the desired card.
• Through the ATM. You will need a card. It is necessary to insert the card into the ATM, enter the PIN code, go to the "Transfers" section and make a transfer to the selected card, confirming the operation. Then you just have to get cash from the card.

How to turn off the service "Piggy Bank" from Sberbank? The reviews confirm that it is not difficult to do this either. About this further.

Disabling the "Money Box"

If for some reason you want to turn off the service, then do it as quickly as you connect it:

1. We are connected to the personal cabinet in the service "Sberbank Online".
2. In the menu, go to the "Deposits and accounts" tab.
3. We pass to the account on which you connected "Piggy Bank".
4. We press the button "Operations" and we search for the necessary "Piggy bank" by the name.
5. Disable it by clicking the appropriate button.

After confirmation, your "Money Box" will be inactive.

We examined how to connect the "Piggy Bank" in "Sberbank Online". User reviews claim that with the help of this service they quickly collected money for the necessary thing.

The necessary conditions

In conclusion, let's remember what conditions must be met in order to have the opportunity to use the service:

1. The service "Piggy Bank" can be connected to absolutely any card of the Savings Bank.
2. Also a prerequisite is the existence of a savings account or a replenishable deposit, which can be opened at any branch of the bank or through an online service. This is required by the "Piggy Bank" service from Sberbank. Feedback is confirmed.
3. You can only install a debit card using a debit card. It is not possible to charge funds to your credit card account.
4. If you use the "Piggy Bank" type with interest from enrollments or expenses, transfers from your accounts will not be considered as transfers from expenses; Transfers made to your card by other clients of Sberbank; Operations on the return of funds.
5. Disabling, pausing, resuming the action, as well as changing the settings are available to the owner at any time.

Here's how the "Piggy Bank" works in Sberbank. Testimonials of the bank's clients recommend this service.

Thus, we see that through the provision of services, the bank allows its clients to accumulate the necessary amount of money unnoticed by automatic transfer of funds to a savings electronic account.

Piggy Bank from Sberbank: Feedback

Basically, customers are very satisfied with the service. After all, it is very convenient that when you pay a salary to a card, part of the funds automatically goes into the accumulation. A person may not even think about it. You can spend money on a separate account at your own discretion. It's absolutely safe. The disadvantage is that if circumstances arise, the accumulated funds can be removed immediately. And this is a temptation, from which it is difficult to resist. As a result, undisciplined people and "Piggy Bank" will not help collecting money for any purpose.