Sberbank services for individuals. Bank "Sberbank" - calculators for loans and deposits, history, addresses of branches and ATMs Russian Savings Bank

Historical information about Sberbank of Russia

The first largest bank in Rus' was founded in 1841 by decree of the Emperor of All Rus' Nicholas I. The decree spoke about the opening of people's savings institutions, and the first of them was opened already in 1842 in St. Petersburg.

In 1987 on the basis of the Data of the Russian Savings Banks, the Sberbank of the USSR was established as a bank of labor savings and lending, working both with individuals and with legal entities. Sberbank of the USSR included in its structure 15 banks of all Union republics, including the Russian Republican Bank.

In 1990 The Russian Republican Bank became the property of the Russian Federation. Already in December 1990, it was transformed into a joint-stock commercial bank, established on March 22, 1991 by the general meeting of shareholders.

In 1991 Sberbank became the property of the Central Bank of Russia and was renamed and registered as a joint-stock commercial Savings Bank of the Russian Federation.

1998 default Sberbank managed to survive thanks to strong support from the Central Bank of Russia.

In 2012 7.6% of Sberbank shares were sold by the Central Bank of the Russian Federation to private investors. So far, the Central Bank itself remains the controlling shareholder. Minority shareholders of Sberbank today are more than 226 thousand legal entities and individuals, among which there are foreign investors. Foreign investors own 44% of Sberbank's shares.

Banks, branches and departments in other countries that are part of the structure of Sberbank of Russia:

• Three branches of Sberbank in the CIS countries – in Kazakhstan, Belarus and Ukraine.
• Sberbank Europe AG is headquartered in Austria. It was created in 2012 on the basis of Volksbank International AG, bought by Sberbank. Sberbank Europe AG has in its structure nine banks operating in eight European countries - Hungary, Slovakia, Bosnia and Herzegovina, Slovenia, Ukraine, Czech Republic, Serbia, Croatia.
• DenizBank A.S., Türkiye. Sberbank bought 99.85% of the shares of Turkish DenizBank in 2012.
• Sberbank (Switzerland) AG headquartered in Zurich.
• Branch of Sberbank of Russia in India.
• Representative offices of Sberbank of Russia in Germany and China .

In 2012 Sberbank of Russia merged with the investment company Troika Dialog, which later transformed into a corporate investment structure Sberbank CIB). In the same year, Sberbank bought a majority stake in a Russian subsidiary of the French group BNP Paribas with a 74% stake. This bank is now known as Cetelem Bank.

The Supervisory Board of Sberbank of Russia includes: Chairman Sergei Ignatiev, German Gref, Sergei Guriev, Bella Zlatkis, Nadezhda Ivanova, Alexei Kudrin, Ilya Lomakin-Rumyantsev, Georgy Luntovsky, Vladimir Mau, Alexei Moiseev, Alessandro Profumo, Sergei Sinelnikov-Murylev, Dmitry Tulin, Alexei Ulyukaev, Ronald Freeman, Sergey Shvetsov, Ahmet Egilmez.

Members of the Board of Sberbank of Russia: German Gref (Chairman, President), Maxim Poletaev, Lev Khasis, Sergey Gorkov, Andrey Donskikh, Bella Zlatkis, Stanislav Kuznetsov, Vadim Kulik, Alexander Morozov, Alexander Torbakhov, Alexander Bazarov, Denis Bugrov, Olga Kanovich, Nikolai Tsekhomsky.

Sberbank of Russia in numbers

• Sberbank of Russia has been and remains the leader in terms of its own assets. In it are concentrated more than 1 million settlement accounts of legal entities .
• In terms of the number of private deposits, Sberbank of Russia is a monopoly - it exercises control 45% of the total market .
• Receive salary through Sberbank over 11 million people , pension - over 12 million .
• Sberbank of Russia issued over 30 million plastic cards .
• ATMs of Sberbank of Russia in the territory of the Russian Federation are installed more than 19 thousand .
• The total number of employees employed by Sberbank of Russia at the beginning of 2013 was more than 233 thousand people .
• Sberbank of Russia and has about 19 thousand units , which includes 17 regional banks.
• Self-service terminals from Sberbank of Russia in the Russian Federation installed about 68 thousand.
• The client base of Sberbank’s remote customer service projects Sberbank Online@yn and Mobile Bank includes over 5.5 million and 9.4 million respectively.
• Sberbank provided lending to individuals for more than 2.6 trillion rubles - this is about 33% of the entire lending market in Russia.
• At the end of 2012, the bank received 344.4 billion rubles of net profit and increased own assets by 22%.

Financial products of Sberbank of Russia

Retail clients of Sberbank of Russia can use banking products and services of the widest range - these are deposits, and various forms of lending, bank cards, bank insurance, brokerage services, money transfers.

Corporate clients of Sberbank of Russia can use settlement services, deposits, trade, project and export financing, money management services, and other financial products of the bank.

Deposits of Sberbank of Russia

Sberbank of Russia offers deposits for individuals with favorable interest rates. Ruble and currency deposits. To open any deposit in Sberbank, you must write an application online or contact any branch of the bank.

1. International currency deposit(Japanese yen - 2.25%, Swiss francs 2.5%, pounds sterling 3.25%).
2. Multicurrency deposit(rubles - 5.9%, US dollars - 1.75%, euros - 1.75%).
3. Pension Plus (3,5%).
4. gift a life(rubles, 6.4%).
5. Replenish
6. Replenish – pension deposit(rubles - 6.6%, US dollars - 2.05%, euros - 2.05%).
7. Refill Online(rubles - 7.1%, US dollars - 2.15%, euros - 2.15%).
8. save
9. Keep your pension(rubles - 7%, US dollars - 2.25%, euros - 2.25%).
10. Save Online(rubles - 7.5%, US dollars - 2.35%, euros - 2.35%).
11. drive(rubles 6.1%).
12. Drive Online(rubles 6.6%, US dollars 1.95%, euros 1.95%)

Consumer loans of Sberbank of Russia

Lending to individuals with favorable interest rates on cash loans are convenient options for consumer loans at Sberbank. You can apply for a consumer loan at any Sberbank office or online.

1. Educational loan(rubles 12%).
2. Consumer loan without collateral(rubles from 15.5%).
3. Consumer loan secured by real estate(rubles 15%).
4. Consumer loan secured(rubles from 15.5%).
5. Refinancing(rubles - 17%).

Credit cards of Sberbank of Russia

1. Aeroflot Map Visa Classic (Rubles 24%).
2. Aeroflot Map Visa Gold (Rubles 23%).
3. Credit card
4. Gold credit card Visa Gold, MasterCard Gold (Rubles 23%).
5. Molodyozhnaya Map Visa Classic, MasterCard Standard (Rubles 24%).
6. MTS MasterCard Gold card(Rubles 23%).
7. MTS MasterCard Standard card(Rubles 24%).
8. Card Give Life Classic Visa Classic (Rubles 24%).
9. Card Give Life Gold Visa Gold (Rubles 23%).

Car loans in Sberbank of Russia

An application for a car loan at Sberbank of Russia can be issued at any branch of the bank, or online.

1. Car loan(rubles - 14.5%).

Mortgage loans from Sberbank of Russia

You can apply for a mortgage loan at any bank office or online. Mortgages with various interest rates and conditions are all options.

1. Promotion for new buildings(rubles - 12.5%).
2. Military mortgage - purchase of finished housing(rubles - 10.5%).
3. Military mortgage - acquisition of housing under construction(rubles - 10.5%).
4. Garage(rubles - 14%).
5. country estate(rubles - 13.5%).
6. Young family special conditions(rubles - 11.5%).
7. Acquisition of finished housing(rubles - 13%).
8. Acquisition of housing under construction(rubles - 13%).
9. Refinancing of home loans(rubles - 13.75%).
10. Residential building construction(rubles - 14%).

Loans for business in Sberbank of Russia

Loans are issued to participants of small and medium-sized businesses, as well as individual entrepreneurs for opening or developing a business.

1. Business Auto(rubles 13.6%).
2. Business Asset(rubles - 14.03%, US dollars - 5.82%, euros - 5.87%).
3. Business Trust(rubles - 16.27%).
4. Business Invest(rubles - 13.91%, US dollars - 5.7%, euros - 5.75%).
5. Business Real Estate(rubles - 13.5%, US dollars - 5.29%, euros - 5.34%).
6. Business Turnover(rubles - 13.86%, US dollars - 5.65%, euros - 5.7%).
7. Business project(rubles - 14.41%, US dollars - 6.2%, euros - 6.25%).
8. Business Rent(rubles - 12.85%, US dollars - 4.64%, euros - 4.69%).
9. business start(rubles - 18.5%).
10. State order(rubles - 14.36%).
11. Confidence(rubles - 20.5%).
12. Express Auto(rubles - 17%).
13. Express Asset(rubles - 16.75%).

Reference information about Sberbank of Russia

• Sberbank of Russia OJSC has license No. 1481(information about the license and the bank on the website of the Central Bank of the Russian Federation)
• Head of Sberbank of Russia German Oskarovich Gref
• Leasing company: Sberbank Leasing
• Address of the head office and management of Sberbank: 117997, Moscow, st. Vavilova, 19
• Sberbank phone: 8-800-555-55-50 (toll-free in Russia)
• Official website of the bank: www.sberbank.ru

Sberbank of the Russian Federation is a Russian commercial bank, one of the largest banking institutions in Russia and CIS countries. Sberbank is a universal bank that provides a wide range of different banking services. The founder and main shareholder of Sberbank of Russia is the Central Bank of the Russian Federation, which owns 50% of the authorized capital and one voting share. The remaining shareholders of Sberbank are Russian and international investors (more than 273,000 legal entities and individuals).

Bank history

The history of Sberbank of Russia dates back to the times of the Soviet Union. In the USSR, until 1987, the system of the State Savings Banks of the USSR operated, which was subordinate to the State Bank of the USSR. In 1987, a banking reform was carried out and the system of State Labor Savings Banks was reorganized, as a result of which the Bank for Labor Savings and Crediting the USSR Population was formed. In 1990, the Russian Republican Bank of the Sberbank of the USSR was declared the property of the RSFSR by the relevant resolution of the Supreme Council.

In 1991, the Joint Stock Commercial Savings Bank of the Russian Federation was established. On January 1, 1991, the Savings Bank of the USSR ceased to exist. On January 1, 2001, as a result of the reorganization of Sberbank of Russia, 79 regional banks of Sberbank of Russia were merged into 17 territorial banks. In 2010, the bank's shareholders decided to shorten the name to "Sberbank of Russia OJSC", and at the end of 2010 the name was changed to OJSC "Sberbank of Russia".

Sberbank today

Today, Sberbank of Russia is the leader of the Russian banking segment in terms of total assets. As the main creditor of the domestic economy, Sberbank occupies the largest share in the deposit market. As of the beginning of this year, Sberbank has 28.9% of total banking assets, 45.7% of retail deposits, 33.6% of corporate and 32.7% of retail loans. The capital of Sberbank of Russia currently stands at 1.7 trillion rubles (approximately 27.4% of the total capital of the Russian banking system).

Bank services

Sberbank is universal commercial bank, which is able to meet the needs of different consumer groups offering them the widest range of services. Among the clients of Sberbank of Russia are individuals and legal entities, including large corporations, medium and small businesses, state enterprises, constituent entities of the Russian Federation and municipalities. The services of this bank are used by about 100 million individuals (more than 70% of the population of our country) and about 1 million enterprises (more than 25% registered in Russia).

For retail clients, Sberbank of Russia offers a wide range of banking services. It includes: deposits, various types of lending, money transfers, bank insurance, brokerage services. Sberbank offers corporate clients; settlement services; project, trade and export financing; money management and others.

Offices and branches of Sberbank

Thanks to its unique branch network, Sberbank provides services in all 83 constituent entities of the Russian Federation. This network includes 17 territorial banks and 18,400 branches. In addition, the bank has one of the world's largest networks of ATMs and self-service terminals (about 83,000 devices), through which it effectively provides services remotely. Mobile Bank and Sberbank Online @ yn applications are also actively developing, the clients of which are already more than 12.9 million and 7.6 million users, respectively.

• Catalog

The history of Sberbank of Russia begins with the personal decree of Emperor Nicholas I of 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 for labor savings and lending to the population was created - Sberbank of the USSR, which also worked with legal entities. The structure of the Savings Bank of the USSR included 15 republican banks, including the Russian Republican Bank.

In July 1990, by a resolution of the Supreme Council of the RSFSR, the Russian Republican Bank of the Sberbank of the USSR was declared the property of the RSFSR. In December 1990, it was transformed into a joint-stock commercial bank, which was legally established at the general meeting of shareholders on March 22, 1991. In the same 1991, Sberbank became the property of the Central Bank of the Russian Federation and was registered as a joint-stock commercial Savings Bank of the Russian Federation.

In 1998, Sberbank managed to survive the GKO-OFZ default, largely due to the support of the Central Bank of the Russian Federation and an increase in fees for settlement services. At that time, the share of government debt in the bank's assets was 52%, and the loan portfolio accounted for only 21% of net assets.

In September 2012, the Central Bank of the Russian Federation sold a 7.6% stake in Sberbank to private investors for RUB 159 billion, or nearly $5 billion. Ordinary and preferred shares of the bank have been listed on Russian stock exchanges since 1996, American depository receipts (ADRs) - on the London Stock Exchange, the Frankfurt Stock Exchange and on the over-the-counter market in the USA.

In 2012, Sberbank closed a deal to merge with the investment company Troika Dialog (transformed into the corporate investment structure Sberbank CIB, and retail bank Troika Dialog was sold to a group of private investors in autumn 2013).

Also in 2012, a deal was closed for the purchase by Sberbank from the French group BNP Paribas of a majority stake in its subsidiary Russian retail bank (now the joint venture operates as Cetelem Bank, Sberbank's share of 79.2% has not changed since May 30, 2018).

In 2013, the official launch of the Sberbank brand in Europe took place. The deal to purchase DenizBank was completed in September 2012 and was the largest acquisition in the bank's more than 170-year history. However, in May 2018, Sberbank entered into a binding agreement to sell the business in Turkey. In July 2019, the deal to sell DenizBank was closed.

Sberbank accounts for about 41% of all loans to individuals, as well as more than a third of private deposits and loans to legal entities in Russia. Back in 2012, Sberbank overtook the former leader in the credit card segment - Russian Standard Bank. The share of Sberbank's mortgage portfolio in the structure of such a portfolio in the banking system as a whole is about 57%.

Sberbank ranks 32nd in the world in The Banker's annual ranking of 1,000 Largest Banks in the World 2019.

As of August 1, 2019, the net assets of the credit institution amounted to 28.83 trillion rubles, the volume of own funds - 4.30 trillion rubles. According to the results of the first half of 2019, the bank shows a profit of 519.67 billion rubles.

Branch network:
head office (Moscow);
2 representative offices (Beijing, China; Frankfurt am Main, Germany);
89 branches (88 in Russia, 1 in New Delhi, India);
13,220 additional offices;
578 operating offices;
285 mobile points of cash transactions;
90 operating cash desks outside the cash center.

The geography of Sberbank Group covers 21 countries, including the Russian Federation. In addition to the CIS countries, Sberbank is represented in Central and Eastern Europe (Sberbank Europe AG, formerly Volksbank International), the UK and the USA, Cyprus and a number of other countries (corporate investment business of the Sberbank CIB Group).

Owners:
Bank of Russia (CBR) – 50.0% + 1 share;
shares in public circulation - 50.0% - 1 share.

A share of 45.04% (shares in public circulation) belongs to non-resident legal entities. The total number of bank owners exceeds 253 thousand shareholders.

Supervisory Board: Sergey Ignatiev (Chairman), Gennady Melikyan, German Gref, Sergey Shvetsov, Nadezhda Ivanova, Bella Zlatkis, Olga Skorobogatova, Maxim Oreshkin, Valery Goreglyad, Nikolai Kudryavtsev, Leonid Boguslavsky, Alexander Kuleshov, Esko Aho, Nadia Wells.

Governing body: German Gref (Chairman, President), Alexander Vedyakhin, Lev Khasis, Oleg Ganeev, Bella Zlatkis, Svetlana Kirsanova, Stanislav Kuznetsov, Alexander Morozov, Anatoly Popov.

Sberbank of Russia is the largest bank in our country, which has representative offices and branches in every city of the Russian Federation. It is Sberbank that provides the widest range of services to individuals and corporate clients. The peculiarity of the bank is that it is here that about 70% of all banking clients are served, respectively, the level of its service meets the highest requirements of a private client. However, we will consider in order all the services of Sberbank for individuals today.

Lending to individuals

At all times, consumer lending has been one of the most popular banking products. In Sberbank, individuals have the opportunity to apply for a general purpose loan in the amount of up to one and a half million rubles. The bank offers several loan programs with different interest rates:

• consumer credit without collateral from 13.9% per year;
• a loan secured by individuals with a rate of 12.9% per year;
• loan for private household plots at a rate of 17% per year;
• loan to military personnel of NIS participants - interest rate from 13 5% per year;
• loan secured by real estate from 12% per year.

As you can see, the rates on non-target consumer loans are quite low, and the bank gives more preference to payroll clients, it is for them that the minimum annual percentage applies. The annual rate will be increased if the borrower refuses to insure personal risks.

Please note that for each potential borrower, lending conditions are strictly individual and will depend on many factors.

Mortgage credit lending

Sberbank specializes in issuing mortgage loans, it is he who is the leader in issuing loans for the purchase of housing. There are several programs for potential borrowers:

1. Purchase of finished housing - a rate of 8.9%.
2. Promotion for new buildings - 7.4% per year.
3. Mortgage plus maternity capital - an interest rate of 8.9% per year.
4. A loan for the construction of a residential building - an interest rate of 10% per annum.
5. Military mortgage - a rate of 10.9% per year.

You can apply for a mortgage loan without leaving your home on the official website of the bank. Application processing time can be up to 5 working days. Here, mortgages are available for citizens of the Russian Federation aged 21 to 65 inclusive.

Loan refinancing

Sberbank offers individuals a service such as refinancing loans from other banks. This service is beneficial for you customers who pay loans in other banks with a high interest rate or have several loans in different banks. The essence of refinancing is that Sberbank repays the client's loans at the expense of his credit funds, after which the borrower pays only one loan to Sberbank. The benefit of the service is that the interest rate on a refinancing loan is several points lower than the rates in other banks. In addition, there is an opportunity to receive funds for urgent expenses.

Please note that refinancing of a loan from other banks is only available for clients who do not have current overdue debt.

Plastic cards

Credit and debit cards are always in high demand among individuals. Sberbank offers a wide range of plastic cards that can meet the needs of each client. Here you can issue a card from Visa, MasterCard and Mir payment systems. Depending on the level of income, the bank offers classic, gold platinum cards. In addition, here the client can issue a co-branded card, for example, Sberbank Aeroflot Bonus, or take part in the Gift of Life charity program.

The main advantage of Sberbank is that it offers its users to issue a card with an individual design. The cost of this service is only 500 rubles. By the way, one cannot fail to say that it is in Sberbank that you can issue a debit card for a minor child from 7 years old. Her account will be linked to the main card of her parents. And also here you can get an instant issuance card in just 15 minutes.

Please note that the cost of servicing a plastic card depends on several factors, primarily on its status.

Invest and earn

Surely every potential client is interested in the opportunity to make money with Sberbank. And here such an opportunity is provided. Here you can open a deposit on favorable terms, the bank offers several deposit offers with different terms of service and interest rates. In addition, the bank's card clients have the opportunity to receive a higher deposit interest when opening an account remotely, through Sberbank online.

You can also open a nominal account at Sberbank for crediting social benefits. Its peculiarity is that it has no time limits, and also allows its users to receive up to 3.67% in rubles on the account balance. There is no minimum balance limit. The bank offers the following investment services to private clients:

• individual investment account;
• mutual investment funds;
• protected investment program;
• endowment life insurance.

What are investment services of Sberbank for individuals. First of all, this is a real opportunity to earn additional funds. In simple words, the bank takes the money of its clients in trust management and invests their reliable projects, which in the future brings passive income to the owner of the investment.

The bank offers such a service as an individual pension plan, that is, in fact, it is a non-state pension fund of Sberbank. Individuals have the opportunity to independently form the funded part of their future pension. To use this service, it is enough to open an account remotely, then sign an agreement that the bank employees will send to the email address, and deposit an amount from the card of at least 1,500 rubles, in the future the account can be replenished by at least 500 rubles at a time.

Important! The funds on the pension account are securely protected, they are not subject to arrest and recovery.

Brokerage services

Brokerage services of Sberbank to individuals have recently become quite popular. First of all, it should be noted that an individual does not have the opportunity to become a private investor without intermediaries, or rather, to invest his capital in securities. Here, the bank offers a unique opportunity to conclude a service agreement and become a full-fledged trading participant on the Moscow Exchange.

The cost of brokerage services of Sberbank for individuals ranges from 0.165% to 0.006%, depending on the amount of the transaction. It should be noted that the service is carried out at each office of Sberbank, to date, 180,000 private investors have used the service. In order to become a client, you just need to contact any branch of the bank and conclude an agreement.

Payments and transfers

Sberbank of Russia provides an opportunity to pay for various services in several ways: using remote services, bank cash desks or self-service devices. You can make the following payments:

• public utilities;
• traffic fines;
• taxes;
• cellular communication services;
• Internet;
• loans from other banks.

If you are a bank card client, then it is possible to make all payments online through the Sberbank online system. Tariffs for Sberbank services for individuals are quite loyal; in order to make payments to state and non-state organizations, you will have to pay a commission of 3%, a commission of 2% is provided for housing and communal services and a mobile phone. When paying for a loan at Sberbank, as well as a transfer to charity, no commission is charged for tax fees.

Important! The minimum amount of commission fees is not less than 20 rubles.

other services

The services of Sberbank of Russia provided to individuals are quite diverse. For example, here, in addition to the standard cash deposit, you can open a metal account. The essence of the service is that you buy precious metal or coins from precious metals from Sberbank and make a profit in the form of a difference in value. Among other things, you can pick up the metal in an ingot or receive it in monetary terms.

Sberbank also provides services for renting bank cells at an affordable cost. Unfortunately, not all Sberbank banks have specialized premises with bank safes yet, so this information should be clarified in advance. The cost of rent depends on several factors, primarily on the size of the bank safe and the period of its use.

You can not ignore the services of the bank for insurance. The bank offers several types of insurance, namely: personal risk, property, travel and comprehensive insurance. On the official website of the bank, you can choose the type of protection that you or your relatives need. The cost of the policy and the amount of insurance coverage directly depends on the set of insurance risks. You can purchase a policy directly at the office of a financial institution or online on the bank's website. But at the same time, it should be borne in mind that the service is provided by Sberbank Insurance, which is a 100% subsidiary of Sberbank of Russia.

Remote Services

Finally, another service Sberbank provides to individuals is remote services: Internet banking and SMS informing. First of all, these services are available for plastic card users. To get access to them, you simply need to first issue a plastic card, then connect all services to a Sberbank branch or through an ATM.

As for the cost of remote services, no fee is charged for Internet banking. In addition, if you have access to your personal account in the system, then you can download the Sberbank Online mobile application for free and have access to your personal account at any time of the day, regardless of location. For SMS-informing the Mobile Bank will have to pay a symbolic cost, which ranges from 0 to 60 rubles. For gold and credit cards, the payment is 0 rubles.

Sberbank has been providing services to individuals for over 100 years. Moreover, it really offers the widest range of services for individuals. By the way, if you want to become a bank client, you can find a description of each service and its cost on the official website.

Sberbank of Russia is the very first credit institution in the country. More than 50% of Russian citizens are clients of the financial institution. Like other credit organizations, Sberbank has its own website.

Most of the bank's clients use its services in the traditional form. The official website of Sberbank allows you to perform almost the same operations much faster, without queues and delays. Let's find out what functionality the Sberbank website has, how the client can find the necessary data, etc.

Main page

The conservative approach to the provision of services is also reflected in the design of the official website of Sberbank, which is located at: www.sberbank.ru. A discreet page design can give odds to any other bank. Ease of use is hidden behind external unsightliness. Official website of Sberbank is one of the simplest, and most importantly, user-friendly. Here it is easy to find information of interest, whether it is data on the products provided or tariff plans, which cannot be found on many sites of other banks in the afternoon with fire.

The main page of the official website of Sberbank consists of several "headers". The top one is the category of clients for whom the entire list of services provided has been prepared.

Lending

When you select any product, its detailed description opens. In addition to standard conditions, here you can also find out how to get a loan, what documents to bring to the bank, what requirements are set for borrowers, etc.

Here you can familiarize yourself with the loan agreement, read the specific conditions in the rules for granting, learn about ways to repay debt, etc. One page contains a maximum of information on one specific product, when, like on many sites of other banks, all data is scattered across different pages and tabs. For this, the site receives a definite plus.

For convenience, you can calculate the loan on a special Sberbank loan calculator. Using it is not so convenient, because there are too many mandatory fields to fill in and half of them are absurd, for example, indicating gender. This factor may affect the decision on the application, but at the preliminary calculation stage it seems absurd. Here you can see only the amount of the monthly payment, bypassing such important data as the total cost of the loan.

Payment for services and transfers

The "Pay and transfer" tab will help customers learn about payment methods for housing and communal services, cellular communications, the Internet, fines, loan payments, etc. Here are the commission rates for each transaction depending on the payment method (Internet banking, ATMs, mobile application, etc.) This tab also contains detailed conditions for money transfers within the country and abroad.

The “Invest and Earn” tab will help the client figure out the choice of the appropriate service that Sberbank can provide (brokerage services, mutual funds, etc.). Information about coins for sale is also presented here.

Insurance

The “Insure yourself and property” tab will allow an existing or potential client to insure an apartment, a debit or credit card, life and health online.

Additional features

There are very handy widgets on the main page of the site. For example, a currency converter, where you can calculate dollars in rubles or another currency online at the bank rate; see the current exchange rate of the euro / dollar against the ruble, precious metals.

Sberbank was one of the first to develop a special project called "Finance is simple." Here everyone can learn more about standard banking services and products in simple instructions and colorful pictures.

What is the most useful site and why? What is missing?

On the official website of Sberbank, everything is on point, everything is in its place. It will be easy for the user to find the necessary information on any product of the bank. The entrance to Internet banking is in the most prominent place - at the top of the main page. Below is a site map, where you can find the right product even faster.

But the biggest plus for Sberbank can be given for the fact that on each page of any product there are specific documents on it (exact conditions, tariff plan, contract, etc.) Unfortunately, banks on their websites colorfully describe the same loans, indicating only summary information. And to find the details, you have to look for the relevant documents for a long time. Sberbank, on the other hand, does not hide or “hide” anything, on the contrary, it puts everything on display. A plus for honesty.

Contact Information

Finding contact information for Sberbank on its official website is quite simple. The hotline phone number for free calls from any phone is indicated in the header of the main page of the site. The support number for Moscow and Moscow Region is also indicated here, you can find all branches in a particular city.

At the bottom of the main page there is a special widget that automatically finds the nearest branch, ATM or terminal in your city. The user just needs to enter a street or metro station, select a service point and click the "Find" button.

Bank details (BIC, TIN, correspondent account, etc.) are located in the bottom menu of the main page in the "About Bank" - "Details" tab.