Savings Bank to dateoffers its clients deposit processing, including opening of foreign currency accounts in Sberbank for individuals. You can open deposits in euros, pounds, yen and francs. But the most popular is the US dollar, because depending on the stability of the economy, the ruble may become cheaper or more expensive, and the US dollar firmly anchored in the currency market.
Sberbank is constantly expandingline of services. This also applies to deposits. Depending on the category of the citizen and the terms of the investment, the most popular are the following ruble and foreign currency accounts with Sberbank for individuals:
The opening of a foreign currency account in Sberbank hascertain advantages and subtleties, so it is necessary to carefully study all the conditions on which the deposit opens, so that later no unexpected situations and misunderstandings arise.
The final interest rate on any of the deposits depends on the amount placed on it and the validity period. Accordingly, the larger the amount and the term, the higher the interest.
In addition, the bank has a system of "Sberbank online". You can open a foreign currency account there. On all deposits at the opening via the Internet bank, even slightly increased the interest rate by 0.25%.
Bank advisors can be offered andOther not less favorable tariffs, which will suit you. Now let's talk about each type of deposits separately - what they represent, for how long they open, what interest they have, and so on.
In general, even in the ruble equivalent it is the mosta profitable contribution, especially for pensioners, since it has the highest interest rate. The deposit is opened for a period of one month to three years. Removal and deposit of funds for it are not provided.
Less profitable contribution.The interest rate on it is slightly lower and is 1.35-3.75%, but here it is planned to replenish the deposit throughout the term. Removals here, as well as the previous contribution, is not provided. It opens for a period of three months to three years. The minimum amount for registration is one hundred dollars.
This contribution is suitable for those who preferindependently manage their funds. It provides for both withdrawals and cash deposits, but this deposit will be the lowest interest rate, this should also be remembered. In addition, the minimum deposit amount must be at least a thousand dollars. This foreign currency account with Sberbank of Russia has an interest rate of 1.33 to 3.35%.
There is one convenient type of deposit, called"Savings accounts." They set the lowest interest rates, but they are perfect for those clients who often have to withdraw funds, since such an account will be considered effective even if the balance is zero, and interest will be charged on the balance of funds.
Another popular among the citizens of our countrya foreign currency account with Sberbank. Interest on it is from 1.2 to 4.5%. This deposit opens from three hundred dollars. The validity period can be from one month to three years.
In addition, that the account can be issued in rubles, asalready mentioned above, more and more popular are accounts in foreign currency. This can be explained by the fact that customers like stability more, investments are made in a more stable currency.
In order to make an invoice, you should applydirectly to Sberbank. Requisites of the currency account will be provided to you on hand, if necessary. For opening it is enough to provide a passport.
The deposit is made within one hour. For bank employees, this is the most common procedure, in addition, the colleague will also collect all the necessary documentation independently.
Before opening currency accounts inSberbank for individuals, it is necessary to consult and resolve all issues of interest, so that later there will be no misunderstanding. In addition, weigh all the advantages and disadvantages of investments for you.
Next, you should determine what tariff the Sberbank will open the foreign currency account. A card for deposits is not provided, but you can get the cherished plastic in dollars and replenish it with the contribution.
After the final decision-makingan agreement is signed with the bank. Then the client deposits the necessary funds into the account - and everything, interest will be charged. The minimum amount of the deposit will depend on exactly what the conditions were chosen by the client. All currency transfers must be made in accordance with the law.
So, when opening a foreign currency account in foreigncurrencies you will immediately have many advantages. Such investments have the highest interest rates, unlike ruble deposits. In addition, from other countries you can easily receive translations and do not have to pay for their conversion.
Even if a money transfer is received by a bank transferway, it can still be cashed. In addition, you can make your own translations, as well as pay for all kinds of services, for example, training or treatment.
In order for the conditions for the performance of banking operationsbecame more convenient and profitable, the special service of the bank registers all the contracts, conducts social surveys among the population, and creates a permanent monitoring, through which the dynamics and general situation of banking transactions are monitored throughout the Savings Bank. Do not think that this bank is one. Other lending institutions have the same policy.
It is worth mentioning that any contribution is subject to compulsory insurance. There is also a special insurance agency for this.
For the reason that the daily number of people,opening deposits, it becomes more and more, Sberbank increases interest rates to attract as many customers as possible. Unlike other banks, Sberbank, although low interest rates on deposits, but it steadily takes its positions in the banking sector and you can not be afraid that he will be deprived of a license, which has recently become very frequent.
It is now very profitable to invest money and receive additional income, as the foreign exchange market is still the most stable and calm.
Analytical forecasts promise a big crisis, so you should make a contribution in order not to lose all the accumulated funds.
But, even taking into account all the existing dignitiesdeposits of the Savings Bank in the currency of other states, it is necessary to carefully think over many times whether such a banking transaction is right for you, since any contribution has certain risks, and it is impossible to know in advance what will happen tomorrow.
The possibility of obtaining additional income forthe deposit account always carries with it certain risks of loss. For this reason, every citizen should individually decide on the issue of opening a deposit. For a more correct choice, you should not contact the bank, where, of course, you will be told that it is worth it and it is very profitable. Think for yourself and decide on the choice.
