Iminikelo Wemali ye Savings Bank abantu ngabanye

Russian Savings Bank inikeza abantu isamba umxhwele idiphozi izinhlelo. Vula i-akhawunti kungaba kokubili ruble futhi izimali zakwamanye amazwe. Iningi iminikelo ibalwa euro noma aseMelika, kodwa kungenzeka ukuba silondoloze banknotes bungavami - franc, yen futhi okokuphrinta. Kulesi sihloko sibheka izimo ukubeka phambili idiphozi izinhlelo Sberbank. Kwemali Foreign imali, naphezu iphesenti kwehle umvuzo, ahlale ethandwa phakathi kwabantu.

izinhlobo imali

Savings inikeza njalo amaklayenti ayo bese amaklayenti ezingaba anhlobonhlobo imali nge imibandela eyehlukile. Lokhu kukuvumela ukuba uvule idiphozi akhawunti we izingxenye ezahlukene sabantu, ukukhetha Uhlelo eyamukelekayo kakhulu. Zonke izimali zakwamanye amazwe ezifakwa ekhona kungenziwa zihlukaniswe amaqembu amathathu:

1. Esiphuthumayo - ezahlukene sikhashana esifushane kuthengiselana. Idiphozithi ivulekile esikhathini esincane yesikhathi (3 izinyanga).
2. Long - Kusho isiphelo sesimiso inkontileka yesikhathi eside. Capital itholakala iminyaka engu-3, ngemva kwalokho isandiso okungenzeka idiphozi.
3. Online. Ukuze ukutholakala kwawo akudingekile ukuya ebhange, vele uye ku-akhawunti online ngokusebenzisa i-inthanethi, futhi uthumele isicelo ukuvula idiphozi.

Uhlelo ngalunye has eziningi ngebuhle nebubi ngoba iklayenti othize. Ukubeka dolobha lizuzise kakhulu ngangokunokwenzeka, kufanele ichaze ngokucacile izinhloso kanye imiphumela oyifunayo.

Ukuvula i-akhawunti idiphozi

Ethakazeliswe nokubekwa emalini amayunithi angaphandle yemali, ikhono kwamakhasimende ifuna ulwazi inqubo ukuphetha isivumelwano. Iziphi izenzo kudingeka enze ukuvula lwemali idiphozi? Sberbank kudinga imibhalo ubuncane nesikhathi: badinga passport esebenzayo noma idokhumenti okulingana kuphela. Inqubo kuthatha esingaphansi kwehora. Inani ubuncane ekulandiseni inkontileka kuvulwa isithakazelo idiphozi izonikwa futhi ikhokhwe.

Bank ikhasimende ngisho kusheshe futhi kube lula ukuvula zakwamanye imali. Savings Bank inikeza isevisi ekulayini lapho kwenziwe izinkonzo eziningi yasebhange. Ukufinyelela ke kukhona abanikazi debit nama-credit card nama-akhawunti. Ukuthumela us imibuzo okudingeka:

• ungene ngemvume "Sberbank Online» uhlelo;
• ukhethe "Imali" kwesigaba;
• chofoza uhlelo isithakazelo idiphozi;
• ugcwalise ifomu ukuze ubonise kwesicelo, ubude yesivumelwano kanye nemininingwane akhawunti izimali kuzodluliselwa;
• uphinde uhlole okufakile uphinde uqinisekise isicelo nge-SMS.

Ukwenza zingalawulwa nge iKhabhinethi siqu. Ngemva kokuphela ukubhalisa iklayenti unelungelo ukuthatha noma yisiphi isinyathelo kuhlinzekelwe uhlelo idiphozi.

Izici and Izinzuzo

Wemali iminikelo Savings Bank abantu ngabanye - kuba yesimanje, inzuzo futhi elula. Ufaka imali ku-akhawunti idiphozi, ikhasimende unamandla okusindisa kubo hhayi kuphela, kodwa futhi ukuze uwine imiklomelo kanye isithakazelo kwamanani okuhwebelana. Ezinye izinhlelo zibandakanya kwaqedwa kanye / noma ukuhoxa esinqunyiwe.

Lwemali idiphozi kuvula umnikazi walo izici ezilandelayo:

• ethola imali Ukudluliselwa phakathi kwamamaki angaphandle;
• ukuguqulwa kwezimali;
• ukudluliselwa kwamanye amazwe;
• amasevisi yokukhokha;
• cash ukuhoxiswa;
• ofeleba kwezinhloso zenzuzo.

Kuyinto elula ukuba noma yisiphi isenzo idiphozi ngosizo intanethi. Futhi inikeza isandiso othomathikhi yesivumelwano namagama efanayo.

Sibutsetelo currency angaphandle imikhiqizo idiphozi

Ukuze 2016, kukhona 9 izinhlelo ezivumela buthelela imali ku-akhawunti yakwa-PJSC "Sberbank". Kwemali Foreign ezifakwa zivulwa ezimweni ezahlukene, kodwa cishe ngesikhathi esifanayo - kusukela izinyanga 3 kuya eminyakeni 3. Kukhona isikhathi ezifakwa nge isikhathi esiyizinsuku ezinga-30. Zenzalo ukwandisa nge lemali futhi itemu idiphozi, kodwa inzuzo enkulu ingatholakala "Gcina" uhlelo.

Cabanga etafuleni incazelo emfushane imali ezihlinzekwa PJSC "Sberbank eRussia":

Amaholo ephakeme kulawo izinhlelo unganikezi ngoba umsebenzi ukususwa kanye umthamo wemvula. Lapho ikhasimende ukuphatha inhloko-dolobha yabo, ephansi iphesenti.

Isikhathi ezifakwa "kulondoloza" futhi "International"

Inkontileka lezi zinhlelo isebenza kusuka 1 inyanga ngaphandle kokuba nokwenzeka replenishment noma ukususwa. Umnikelo kuyoba usizo kulabo amakhasimende abahlose kugcina kanye nekusita ethile izimali.

Nakuba imali kanye angavulwa isikhathi esincane, inani lenzalo kuyoba ongaphakeme (0.01%). Uma unanoma yimiphi iminikelo malini Savings Bank libhekene lo mthetho: sisikhulu kwesikhathi idiphozi, aba maningi umvuzo. Ngokwesibonelo, "Gcina" Uhlelo kuyoba ngasikhathi iphesenti esiphezulu isikhathi kuthengiselana iminyaka 1-3:

• kumadola - 1.35;
• Euro - 0.3.

Ukuze idiphozi "Gcina SHC @ dh" Izinga lisetudlwana: 1.6% futhi 0.4%, ngokulandelana. I nezinye izimo ziyafana ne esivivaneni efanayo.

Umthelela "International" ngaphansi kwemigomo yalesi simiso efana "Gcina." Kuphela lwemali kanye nemali-nzalo ezahlukene:

• e amakhilogremu kusuka 0.05% kuya 1.75%;
• e yen kusuka 0.01% kuya 0.55%;
• CHF - 0.01%, kungakhathaliseki isikhathi kanye nenani.

Isici idiphozi kuyindlela Accrual - ekupheleni kwesikhathi.

"Ashona" futhi "Phatha"

Lezi zinhlelo abe nendawo ngokunethezeka kulabo asetshenziswa ngubani ukuba ehlelekile eceleni izimali. akhawunti Idiphozithi ivulekile isikhathi esiyizinyanga 3 iminyaka engu-3. Ubuningi zenzalo yokuzigcina zakwamanye ezifakwa we Savings Bank kumadola kanye euro, ngokulandelana, imi kanje:

• "Ashona" - 1.1% no-0.2%.
• "Ashona SHC @ dh" - 1.3% no-0.3%.
• "Phatha" - 0.85% kanye 0.05%.
• "Phatha SHC @ dh" - 1.1% no-0.1%.

Wondla ofeleba kwezinhloso zenzuzo nokukhokhwa engenayo ku-akhawunti ehlukile. Imali kukhona elula kuleyo akhawunti kungenziwa agcwaliswa (ngokheshi kusuka $ 100 / Euro Exchange - angenamkhawulo). Uhlelo "ukuphatha" futhi ikuvumela ukuba ingxenye ukuhoxisa izimali ngaphandle ukuvala i-akhawunti.

Amanani ku ezifakwa "Multicurrency" futhi "Savings Account"

Bobabili izinhlelo ahlukile futhi ezithakazelisayo. Ngokwesibonelo, idiphozi "Multicurrency" kuvula amayunithi ezintathu yemali: ruble, euro kanye dollar. Ngaphezu kwalokho, imali okungenani izinhlamvu ezingu-5 kuphela lwemali ngamunye. Incwadi yesivumelwano isebenza komunye iminyaka emibili benethuba yokuvuselela okuzenzakalelayo. Kuncike replenishment akhawunti: Exchange unomphela, kuyilapho ukwethulwa imali - kusuka 100 euro / zamadola ruble 1,000.

Injongo eyinhloko idiphozi - ukuthola imali lwemali iyehla iyenyuka. Ikhasimende unekhono ukuguqula nenombolo enganqunyelwe izikhathi imali uma bebona kunesidingo. Umrholo aliyikuhamba njalo ezinyangeni 3-akhawunti eyengeziwe wavula ngo PJSC "Savings Bank". Kwemali Foreign ezifakwa kumadola kuletha uhla 0.01% kuya 0.9% ngonyaka. Ngo izinga euro onesizotha ngaphezulu - 0.01-0.05%.

Umkhiqizo "Akhawunti Google" yadalelwa Izilawuli khulula. Akunamkhawulo on semthethweni noma inani iminikelo, imali kanye Ukuzihoxisa. Ngaphezu kwalokho, iklayenti uthola kusuka ku 0.01% 0.1% ngenyanga kusukela ukubaluleka akhawunti balance.

neminye imininingwane

Abanikazi nentshisekelo imali kanye udaba intela. Ingabe ezengeziwe ukudluliswa kwemali nge-IRS, nge idiphozi PJSC "Sberbank"? iminikelo Monetary ekhokhwa kuphela ngesilinganiso amaholo 9% kumadola, euro noma ezinye amanothi lwemali nokuningi. amagugu anjalo awatholakali kunoma yiziphi izinhlelo sibuyekezwe. Lokhu kusho ukuthi umnikazi we-idiphozi angawi ngaphansi kwemigomo intela.

Iklayenti futhi unelungelo lokuthathwa njengomsulwa kwesikhathi ukuvala ezifakwa izimali zakwamanye amazwe. Sberbank akusho ukuthi abeke ngale nqubo inhlawulo noma ikhomishini. Mnikazi we-Akhawunti ukususa ngokukhululekile yonke deposit lemali futhi uthola imali amaphesenti (ngokuvamile sakugcina).

Savings Bank inikeza ezihlukahlukene izinhlelo ithakazelise kulabo abafisa balondoloze futhi ukwandisa imali yakho. Kwemali Foreign ezifakwa awukwazi kuphela ukuthola inzalo njalo ngenyanga, kodwa futhi ukuwina on kwamanani okuhwebelana. etshaliwe kahle, ungakwazi ukuthola imali enhle. Into esemqoka - ufunde ngokucophelela yonke imigomo bese ukhetha efaneleka kakhulu izimali zakwamanye amazwe imali. Sberbank izokwenza okusele.