What to treat uko sberbank. Internal money transfers through Sberbank. What misleads citizens

The brokerage house under the Sberbank CIB brand began its existence in 2012. Its activities are aimed at the development of investment and corporate business. The company has wide experience in:

Providing customers with deferrals for payments for purchased goods, thereby participating in the trade finance process.
Development of the documentary business.
Sales operations valuable papers.
Investment banking servicesoh.

The provision of services and work with banking products passes through PJSC Sberbank.

Working with financial institutions, major corporations, federal and sub-federal authorities, the broker provides integrated financial solutions and periodically acts as a financial advisor. In other words, Sberbank CIB is the largest company whose profile is focused on asset management.

Since the CIB has a huge scale and a large volume of customers (about 5.7 thousand organizations are serviced), the decision was clear structure company.

PJSC Sberbank is engaged in structural and project financing, syndicated lending to holdings and conglomerates, operates in investment and global markets.

The processes of restructuring, increasing the volume of business and capital, in particular at the micro and macro levels, mezzanine financing, acting as a financial advisor, lie with the Investment Department.

In addition, the Department of Publishing:

advises leading foreign and Russian companies;
restructures the business;
conducts mergers and acquisitions of companies.

The next structural unit is the Global Markets Department. It is entrusted with service operations at a profitable placement of securities (derivatives market instruments, stocks, bonds), conclusion of contracts for raw materials, foreign exchange transactions.

The Global Markets Department also carries out:

development of financial strategies to optimize the value of funds;
management of risks.

Sberbank Investment Research is responsible for analytical business support on the stock and bond market, macroeconomic and strategic market research, in-depth analysis of the functioning of Russian companies and the provision of an independent opinion.

Who can access bank services

Both individuals and legal entities can become clients of Sberbank CIB. For servicing in the bank, an interested person must arrange a meeting with the manager of the customer service department and submit the necessary documents in the future.

It is worth noting that the package of documents for concluding an agreement on opening an account for legal entities and individuals residents and non-residents have their own differences. You can get acquainted with it on the official website sberbank-cib.ru. This requires:

QUIK connection procedure

Participation in online trading allows you to quickly and conveniently carry out transactions with securities... Transactions are made in real time on the stock and derivatives markets.

By connecting the QUIK or webQUIK system using a browser on a PC or laptop, the client becomes available to participate in trades, market information, and deep technical analysis.

To install and register in the system, a private person must:

Download and install on PC or laptop software QUIK or go to the official website webQUIK.
In the dialog box that appears, indicate the code of the agreement contained in the notification and the mobile number.
Wait for an SMS with a password generated by the system.
Launch the application, enter the login (contract code) and password on the authorization page.

Service rates

Since the brokerage commission for the execution of the Transaction Order periodically changes, and Sberbank CIB takes care of accurately informing its clients, on the official website of the bank present and a PDF document with rates is available for review.

To view it you need:

To become a client of Sberbank KIB means to become a successful participant in the investment market and receive guaranteed income and capital increase thanks to the assistance of high-class professionals.

Internal money transfers through Sberbank of Russia can be performed in one of several ways, each of which has its own conditions.

Regular transfers

With a regular transfer at Sberbank, funds are transferred in cash and can be issued in cash, as well as credited to an account or card. All operations are carried out in the branches of the Bank.

The transfer currency is Russian rubles. There are restrictions on the maximum amount of funds transferred. In particular, for persons who are residents of Russia, this amount is equal to an amount equivalent to 5,000 US dollars, and for persons who are not residents of Russia, an amount equivalent to 10,000 dollars.

Tariffs applicable to the execution of transfer operations are set depending on the method of receiving money and location credit institutionwhere the addressee should receive them.

It should be noted that funds can be credited to the recipient's card issued by another credit institution only if this card belongs to payment system "MasterCard".
The transferred money is credited to the recipient's card in Sberbank free of charge to all cards, except for Maestro, Maestro "Momentum", Maestro "Student" or "Social", or "Transport", Visa Electron "Momentum", as well as PRO100 Standard, where the commission is 0.75% of the transfer amount.
The transfer operation is carried out before the expiration of two working days for cash withdrawal and within one working day for crediting to the account.

A cash transfer made when contacting an employee of the Bank can be canceled by the sender until the recipients' funds are claimed. This service is charged at the rate of 150 rubles.

Urgent translations

Transfers within the country in Sberbank can be both regular and urgent. At present, translations of "Hummingbird" are urgently carried out.

The operation is performed with cash, which is handed over to the recipient at the branch of the credit institution.

The currency of the transfer is Russian rubles, and maximum size the amount transferred is 500,000 rubles.

Tariffs are equal to 1.75% of the transferred amount, but cannot be less than 150 rubles and more than 3,000 rubles.

The term of the transaction does not exceed 10 minutes for transfers between the Moscow Bank, Volgo-Vyatka Bank, Far Eastern Bank, Povolzhsky Bank, Severny Bank, Srednerusskiy Bank, Severo-Kavkazskiy Bank, Siberian Bank, Ural Bank, Central Black Earth Bank, Yugo-Zapadny Bank. Transfer between other credit institutions is carried out within 1 hour.

The transfer can be revoked by the sender until the recipient calls the funds. A fee of 150 rubles is charged for using this feature.

Users of this service are provided with an additional opportunity in the form of free SMS-informing about the status of the operation.

Internal transfers from the account

Transfer from the account is performed in a non-cash form by debiting funds from the sender's account, and the recipient can receive money in cash, as well as credited to his account or card.

The transfer can be made at a branch of the Bank or, when funds are credited to the account, through the Sberbank Online system.

Money is transferred in rubles or foreign currency (US dollars, euros and others), and their size may not exceed the amount equivalent to 5000 US dollars for persons who are residents of Russia.

Tariffs are set depending on the currency of the transfer, the method of issuing funds and the location of the credit institution in which they are to be issued.

The translation is performed within a period not exceeding two working days.
The possibility of canceling the operation is not provided. If you need a refund, you should contact the recipient.

Internal transfers from the card

Transfer from the sender's card is performed by debiting funds from the account assigned to the card. Funds are not issued in cash, but credited to the recipient's account or card. The transferred amount can be credited to an account at a branch of the Bank or through the " Mobile bank"Or" Sberbank Online @ yn ".

Money can be transferred in rubles or foreign currency.
When calculating tariffs, the currency of the transfer, the territory of the operation, the location of the recipient's credit institution and the method of issue are taken into account.

The operation is performed within a period of several minutes to one working day.
Refunds are not available. If such a need arises, you should contact the recipient.

Summary

Citizens located in different regions of the country are provided with ample opportunities for translation money in cash or non-cash, which can be issued to the recipient in cash, as well as credited to his account or card. Acceptable fees are charged for the transaction, some types of transfers are free. In some cases, a refund is possible.

Currently, information constantly pops up on the Internet that citizens are entitled to compensation payments for those services provided by the state, which a person did not have time to use. Following the link, as a rule, you can go to the UCO (Compensation Support Office) website, where it is proposed to go through a check for compensation, and then receive the due amount of money in any convenient way. First of all, it is worth noting that this is the most ordinary scam and the UCO organization simply does not exist. In this article, we will consider how not to fall for the tricks of scammers and what the deception is.

Types of fraudulent companies

The fraud lies in the fact that citizens are invited to receive compensation for those public services that they did not have time to use. We are talking about pension, utilities, medical, energy and other services. Compensation is offered to be received through the portals of non-existent companies, for example:

UCO - Department of Compensation Support;
UIV - Department of Indexation Payments; ⇒
VHF - Office of Compensation Payments;
UKN - Compensation Department;
UKF - Compensation Fund Office and other companies.

Compensation Department

Important! There is no government organization called the Compensation Department. Moreover, the company's page contains a fictitious address in Moscow (Leninsky Ave., 40, building 2), there is no such organization at this address. On their website, it will not be possible to find any documents that would confirm the information on payments.

What is the fraudulent scheme

What is the fraud? Let's figure it out in order:

First of all, citizens are invited to go through authorization on the UCO website in order to verify the data on alleged compensation payments. When authorizing, you will need to indicate your full name, date of birth, passport details, citizenship, as well as your social status. After entering all these data, an alleged check of the due payment amount begins. But even if all the information entered is fictitious, the check will also be carried out. This, of course, indicates that no checks are being carried out, and this is all a "scam" of pure water.
After all the information about the citizen is entered, the site is created personal Area... Each such office is assigned an identifier, although absolutely for all those who have registered, a number is assigned - an ID, which in most cases is simply the same.
After the alleged check, a report will be generated, which will contain the total amount of payments. Moreover, the specified amount for any registered person will be several hundred thousand rubles. The company offers to enroll the specified amount to the personal account of the person to be opened. For the opening of such a compensation account, as you might already guess, it is proposed to pay a departmental fee of 171.86 rubles (plus commission).

Important! The fraud consists in the fact that citizens are first asked to pay a small amount of money to open an account, to which a rather impressive amount of money will allegedly be transferred in the future. The scheme is quite common, scammers promise the victim "mountains of gold", but for this they will need to spend a little money.

Despite the fact that the amount for opening an account is insignificant, this is only the first payment. In the future, the company proposes to continue to make some amounts for such non-existent services as paying a commission, connecting bank details, increasing the limit for a one-time payment, digital signature and others. It is proposed to pay for a total of up to 19 services, that is, the extortion continues until the person suspects that something is wrong.

As a rule, by the time people suspect that they are simply being pulled out of money, they may have already paid a pretty decent amount. Accordingly, no payments from this site will be listed, the company's activities are directed solely to extorting money. This is a scam, so be careful and watch it carefully. Before giving your money, you should think carefully and check the information.

What misleads citizens

Citizens today are used to trusting other people's feedback. Fraudsters take advantage of this and post on their website numerous reviews of persons who have allegedly received due payment... As you might guess, the reviews are extremely positive, for example, the following:

“I've checked my compensation! It turns out that it came out as much as 325,000 rubles! I was very surprised at how much money just walks through the accounts of the ministries. It's good that at least someone is dealing with this issue. "

Reviews presented on the site or simply on the Internet are fictitious. They are needed in order to confuse a person and encourage him to transfer money. In addition, you won't be able to leave a review on the site yourself, it's simply impossible.

Important! You should only check reviews through search engines such as Google or Yandex. You can find enough information on them that all this is deception and fraud.

Answers to common questions

Question: What site does this happen on?

Answer: Unfortunately, scammers are constantly changing site addresses, new portals are constantly popping up on the Internet. As an example, you can host such sites as serviceuko.online, ukosupport.online, supportuko.online, koupravlenie.online, ukopay.online and others.

Question: What to do if I transferred money to scammers. How can I get them back?

Answer: First of all, it is recommended to try to get your money back out of court. For this on that legal address, which is indicated on the site, you need to send a claim with a demand to return the money. The letter must be drawn up with a return receipt and a list of attachments. You should keep an inventory and a receipt for sending the letter. Most likely, no answer will be received, so after that you can sue this organization. If you cannot find the company, then you should contact the police.

Conclusion

Thus, citizens should be vigilant and more attentive and not trust dubious reviews and sites promising large sums of money. It should be understood that the funds that the state transfers to citizens are transferred to their personal accounts. These accounts must already be open at the time of application and no additional funds will be charged for this. Before sending your money to an unknown company, you should carefully read the portal, pay attention to the nuances that we gave in the article, and also look for additional information on the Internet about this company.

Sberbank as one of the largest banks in Europe is the largest bank Russian Federation and the CIS. At the end of 2011, its assets account for more than a quarter of the country's banking system (26.8%), and its share in the banking capital is at the level of 29.1%. Founded in 1841, Sberbank of Russia today is a modern universal bank that meets the needs of various groups of clients in a wide range of banking services. SB has the largest share in the deposit market and is the main creditor of the Russian economy. Attracting funds from various clients and ensuring their safety is the basis of Sberbank's business, and the development of mutually beneficial relationships with depositors is the key to its successful work.

Full name is Sberbank of Russia open joint stock company. In addition, in business practice, including in internal documents and forms, abbreviations are often used such as:

· SB RF, SBRF - Sberbank of Russia.
· CA - Central office of Sberbank.
· OSB - branch of Sberbank.
· OSBM - branches of Sberbank of Russia in Moscow, including additional offices.
· VSP - an internal structural division of Sberbank.
OPERO - Operations Department (OPERO) of Sberbank.
· OPERU - Operations management of Sberbank.
· OKVU - Operating cash desk of the Sberbank out-of-the-box office.
· ETZ - a single tariff zone - the service area of \u200b\u200bone branch of Sberbank of Russia or one city, within which operations are performed.
US - a self-service device - an ATM, an information and payment terminal - an electronic software and hardware complex designed to perform operations of issuing (accepting) cash without the participation of a Bank employee, including using payment cards, transferring the client's orders to transfer funds from the client's bank account, etc.
· UCO - remote service channels (system "Sberbank OnL @ yn", US, MB - "Mobile Bank").
· ROC - cashier of a structural unit of Sberbank of Russia.
· DO - Additional office - a universal internal structural subdivision of a Sberbank branch located outside its location.
· Branch - an internal structural unit, organizationally subordinate to the branch of Sberbank.
· TB - Territorial Bank; Operations department (department) of the territorial bank of Sberbank of Russia; additional offices under the organizational subordination of the territorial bank of Sberbank of Russia.
· OSB TB - branches of Sberbank of Russia, including additional offices, organizationally subordinate to the territorial bank of Sberbank of Russia.
· GOSB - Head office of Sberbank; Operations management (department) of the head office of Sberbank of Russia; additional offices that are organizationally subordinate to the head office of Sberbank of Russia.

GOSB is an element of management in the structure of Sberbank, which is a subordinate subdivision of the territorial bank, responsible for business at the level of the constituent entity of the Russian Federation.

· OSB GOSB - branches of Sberbank of Russia, including additional offices that are organizationally subordinate to the head office of Sberbank of Russia.
· NCC - Central Communication Center (located in the building of the Bank at Vavilova str., 19).
· РУС - Reserve Communication Center (located in the building of the Central Branch of Sberbank of Russia in Moscow, B. Andronievskaya St., 6).
· UIIADB - Department of Informatics and Automation of Banking Operations of Sberbank.
· DKP - Sberbank HR Policy Department; personnel service of the bank branches.
· PD - Legal Department of Sberbank; legal service of bank branches.
· KKI - Committee for settlement of conflict of interests of Sberbank.
· OKII - Sberbank insider information control department.
· SBOL - Sberbank OnL @ yn (Sberbank-Online, Internet Bank of Sberbank; earlier - "Electronic Savings Bank").

CSKO - Customer Operations Support Center.

The history of Sberbank of Russia begins with the personal decree of Tsar Nicholas from 1841 on the establishment of savings banks, the first of which opened in St. Petersburg in 1842. A century and a half later - in 1987 - on the basis of state labor savings banks, a specialized Bank of Labor Savings and Population Lending - Sberbank of the USSR - was created, which also served legal entities. The Sberbank of the USSR included 15 republican banks, including the Russian Republican Bank.

In July 1990, by a decree of the Supreme Soviet of the RSFSR, the Russian Republican Bank of Sberbank of the USSR was declared the property of the RSFSR. In December 1990, it was transformed into a joint-stock commercial bank, legally established at the general meeting of shareholders on March 22, 1991. In 1991, Sberbank became the property of the Central Bank of the Russian Federation and was registered as the Joint-Stock Commercial Savings Bank of the Russian Federation (Sberbank of Russia).

Sberbank is still the favorite brainchild of the Bank of Russia, which owns over 57% of the shares. Largely thanks to the support of the Bank of Russia and an increase in settlement service fees, Sberbank managed to withstand the default on GKO-OFZ 1998 (at that time, the share of government debt in Sberbank's assets was 52%, and the loan portfolio accounted for only 21% of net assets) ...

As a result of the recent IPO, institutional investors got 33% of the shares, while individuals - 5%. In total, the bank has 200 thousand shareholders. It accounts for 26% of the assets of the Russian banking system and 51.5% of retail deposits. This is the only bank that the Central Bank controls not only as a regulator, but also as a shareholder owning 57.6% of its shares. Since October 2007, Sberbank has been headed by a former minister economic development German Gref, who, in particular, is going to make the bank's loans more accessible to the population.

The authorized capital and shares of the bank.

The authorized capital of Sberbank is 1 billion rubles and is divided into 19 million. common shares with a par value of 50 rubles and for 50 million preferred shares with a par value of 1 ruble. According to the bank's charter minimum size dividend on preferred shares is 15% of their par value, ie 15 kopecks. per share.

Foreign investors can purchase Sberbank shares only with the permission of the Central Bank. However, these restrictions are easily circumvented through the use of non-resident subsidiaries registered in Russia. Nevertheless, restrictions on the acquisition of Sberbank shares by non-residents significantly reduce their liquidity. It is expected that the restrictions on the ownership of shares in the bank by non-residents will soon be lifted. Perhaps, after the liberalization of the circulation regime for Sberbank shares, ADR programs will be launched, which will also help to increase the liquidity of the bank's securities. Currently, foreign investors own about 15% of Sberbank's shares.

The largest shareholder of Sberbank is the Bank of Russia, whose share in the authorized capital is 60.57%. In the foreseeable future, a decrease or withdrawal of the Central Bank from Sberbank's capital is not expected. As of October 1, 2003, the number of the bank's shareholders reached 203,728.

Organizational structure of Sberbank of Russia.

Sberbank of Russia is a legal entity and with its branches (territorial banks and branches) and their internal structural divisions is unified system Sberbank of Russia.

The branch network of Sberbank of Russia is located throughout the country. As of January 24, 2001, the network of Sberbank of Russia consisted of 17 regional banks, 1511 branches, 20,250 internal structural divisions.

Branches of Sberbank of Russia are not endowed with the rights of legal entities and act on the basis of the Regulations approved by the Management Board of Sberbank of Russia, have a balance that is included in the balance of Sberbank of Russia, and have the symbols of Sberbank of Russia.