How to use Sberbank-online: from registering and opening a deposit - to connecting "Thank you" and a piggy bank

Good day!

Sberbank is one of the largest banks in the country, and with the development of Internet payments, it could not stand aside 😎.

If not sarcastically, but seriously, then the Sberbank-online service is quite multifunctional, easy to master and everyday use, it is widespread in our country (since every second person has a Sberbank card), and in general, quite reliable ...

Recently, this is generally the case, through their service you can not only transfer money from account to account, but also complete all your daily tasks in one evening, without leaving your home!

For example, you can pay for a communal apartment, set up an auto-payment for a phone, open a deposit, buy currency, pay for Internet access, connect a piggy bank (and save up for a vacation 👌).

In general, in this article I will consider all the most popular tasks and questions regarding the use of Sberbank-online.

I think for those who have recently been using electronic banking services, this will be very useful ...

By the way, to pay and transfer money on the Internet, not only Sberbank-online is used, but also other payment systems (they have their own unique capabilities and many of them will give odds to Sberbank).

Moreover, there is nowhere without them, if you want to transfer money to someone abroad (there, many have not heard of Sberbank at all ...).

Sberbank-online: solving everyday problems

How to register and connect to online banking

I think that you need to start with what is required to start a full-fledged work:

an ordinary Sberbank bank card tied to your mobile phone (when opening an account and issuing a card, bank employees usually always tie the mobile number to the card). If there is no card, go to the nearest bank branch and order it (production time is about a week, the cost of service may be different: depending on the card, current promotions, etc.);
work mobile phone (which is "tied" to the card);
well, a computer with Internet access.

Registration and entrance to the Internet bank

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The official website address of Sberbank-online: //online.sberbank.ru/

Note: you can register and get a login and password through an ATM. But we are still talking about an online bank, so it is logical that we need to consider a completely remote service (it is about it below).

We go to the official website of Sberbank-online, and press the registration button.

Registration in Sberbank-online

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Further it is necessary:

enter your card number and press continue (it is indicated on its front side, usually 16 (18) digits). See the hint on the screenshots below;
if the card number was indicated correctly, an SMS with a confirmation code will be sent to the phone linked to it. The code must be entered when confirming the registration;
then you need to come up with a password and login to access Sberbank-online. Recommendation: do not use simple or short logins and passwords (also forget to use the dates of birthdays of your loved ones, names, surnames, etc. as a login or password).

Sberbank-online - registration

What and where is indicated on the card // using the example of a QIWI Visa card

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In general, the registration procedure itself has been completed: now you have a username and password to access the Internet Bank.

Go back to the Sberbank website: //online.sberbank.ru/, and enter your username and password. We press the button "Enter".

Enter your username and password

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Next, an SMS with a code will be sent to the phone (confirmation that someone has not guessed your password and login, and this is done by you). Enter the code from the SMS in a special field and press "Confirm".

We indicate the code from the SMS message

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Actually, then the main page of the online bank should appear.You can start using ☺ ...

Main page of Sberbank-Online

How to find out the details of the card, account

You may need card or bank account details when you want to receive an interbank transfer, for example, from another person (organization). Also, details are often needed, for example, when applying for a job (for transferring wages to your card), when replenishing a deposit, etc.

And so, how to find them out (without going to the bank branch ☺).

Important!

The card number (located on the plastic card itself) is not your bank account number! You can open an account without a bank card. Many people confuse this!

In general, the money on the card actually "lies" in the bank account to which the plastic card is tied (in fact, the card is the key to your account so that you can manage it remotely, quickly and conveniently). By the way, several bank cards can be linked to one account.

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First, you need to open Sberbank-online, the "Cards" tab (note: we first find out the details of an ordinary plastic card), see the screen below.

Sberbank-online - view information on the card

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Next, open the link "Information on the map".

Sberbank-Online: information on the card

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Then we open the link "Details of the transfer to the card account".

Card details

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After that, all the necessary information on the card will appear: the full name of the card holder, account number, bank branch number, BIC, correspondent account, TIN, etc. (for an interbank transfer, usually, the full name, BIC and account number are enough).

In general, you can print this data and transfer it to the person you are expecting a transfer from ☺ (note: you cannot withdraw money using bank details, you can only credit it with it (so you can not be afraid)!

Here's to shine with your card - it's better not, if you know the card number, the date of its validity, and the CVC code on the back of the card - then you can pay it off somewhere ...).

BIK, branch number, current account, etc.

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As for the account details (it is relevant if you have a separate account or deposit in addition to the card) - then first open the "Deposits and Accounts" tab: you should see a list of your accounts and deposits. Open the one you want.

Deposits and accounts - open the required account for viewing

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Further, the same as with the card - you need to open the "Information on the deposit / account" tab, then the link "Details of the transfer to the deposit account" (see the screen below). A plate should appear with all the delicate requisites for the transfer.

Account details for transfer

How to open a deposit (online, with an increased rate)

Many people underestimate the possibilities of Sberbank-online and do not open deposits (they just keep the money on the card). Meanwhile, by opening a deposit, you can receive 6-7% per annum. Moreover, if you need money urgently, you can pick it up at any time. Why not use it? ☺

In addition, deposits opened remotely via the Internet have a higher percentage (as a rule, by 1-2%).

As for security: everything is at a fairly high level. In addition, having opened a deposit, you can subsequently go to the bank branch at a convenient time for you and take a certificate on the status of accounts and deposits (this is for those who are used to having all the papers).

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To open a deposit, open the "Deposits and accounts" section (in the top menu), and click the "Open deposit" link (see the screen below).

Sberbank-online - how to open a deposit

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Next, you need to view the conditions for different offers (interest rate, account currency, term, whether it is possible to withdraw / report money for a deposit) and select the required one. I do not give recommendations here, choose the best option for yourself ☺.

Choosing the terms of the deposit

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After that, you need to specify the card / account (from where the funds will be debited to be credited to the deposit account), select the lines and the amount of the deposit.

We look at the terms of the deposit

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The last step: check if everything is correct, check the term, interest rate, amount, read the terms of the contract. If everything is correct, confirm the opening of the deposit.

Confirmation of opening a deposit

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After that, your contribution should appear in the section "Deposits and Accounts" ... There you can also find out all the details on it: when was the deposit or withdrawal of funds, whether it is possible to withdraw something from it, until what date it can be opened, whether it can be extended, etc.

Open the deposit, you can view the conditions

How to transfer money (by phone number, from card to card, to an account in another bank)

# 1 - by phone number or card number

Update from 01.2020.

In Russia, the system of fast payments (FPS) has begun to operate - it allows you to send funds by phone number between different banks!

The easiest and fastest way to send a small amount to another person (who has a Sberbank card) is to use the service mobile bank (connects at any ATM). All you need to translate is to send 1 SMS!

How to issue an SMS:

To which number to send: 900

Message: TRANSLATION 9XX1234567 500

where 9XX1234567 is the phone number of another participant (the money will go to his card linked to this phone number. Before transferring, I recommend that you clarify whether his card is linked to this number);

500 - transfer amount in rubles.

"Sberbank" - an example of sending a message via SMS to transfer funds

More detailed information about the transfer on the official website of Sberbank

Important notes:

you cannot transfer more than 8000 rubles. per day;
you cannot perform more than 10 transactions per day;
you cannot transfer dollars or other currencies other than rubles;
you cannot transfer money from a credit card (only from your personal debit card).

# 2 - from one card to another card

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First, open the "Transfers and Payments" section (in Sberbank-online).

There is one important point here: cards can be issued both by different banks and by Sberbank. If you are going to transfer to a card issued in another bank, select "Transfer to a card in another bank", if the Sberbank card - "Transfer to a client of Sberbank".

Note: to transfer from card to card, you only need to know the number of the card to which you want to transfer money.

Transfer to a card of another bank can take several days (the commission will also be higher), but inside Sberbank - instantly (usually ☺)! It is the second option that I will consider ...

Sberbank-online - choose which card we will transfer funds to

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Next, you need to indicate the recipient's card number, account (from which you will send money) and the amount. By the way, it is advisable to indicate in a note what you are transferring money for (for example, debt repayment, mat. Help, a gift, etc.).

Filling in the details for transferring from card to card in Sberbank

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In the confirmation window, note that Sberbank shows the name of the recipient (very convenient so as not to confuse the recipient of the payment).

Important! When transferring to a card issued by another bank, Sberbank will not show you who its owner is. Therefore, check your card number several times before submitting your payment.

Confirm by SMS

# 3 - from a card / account to another bank (interbank)

This method is good because it can be used to send money to any bank in Russia (i.e. to any card / account issued by a Russian bank). For the transfer, by the way, you need the following details: full name, account number, bank BIK (an example of how you can find them, I gave above in the article).

👉 To help!

Interbank transfer: online money transfer from one account to another - how to do it

I note that this is one of the safest types of transfer: if you suddenly make a mistake with the account number or other details, the payment should return to your account (from which you sent it) in 5-10 days.

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For an interbank transfer, open the "Transfers and Payments" section, then click the "Transfer to a private person to another bank by details" link.

Sberbank-online - interbank transfer

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Next, a long list of details will open that need to be filled in. Usually, it is enough to indicate the full name, BIK of the bank, the beneficiary's account number and the purpose of the payment. The rest of the fields are optional.

You can find out the account details from the recipient. And in the purpose of payment, usually, the following is indicated (as an example!):

"transfer of own funds, excluding VAT" - this is if you transfer your money to an account with another bank;
"on account of payment under contract No. XX / X. VAT is not subject to" - this, for example, when paying for some services under the contract;
"Private transfer, VAT exempt" - if you just transfer money to a private person (returning a debt, say).

Filling in the requisites

Important: it is unacceptable to indicate any "jokes" in the appointment, there is a risk that your translation may be "frozen" until clarified.

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In general, then all that remains is to confirm your transfer (as standard, with a code via SMS).

How to pay utility bills (utilities), telephone, Internet, etc.

Using the capabilities of "Sberbank-online" you can save a lot of time ☺. Imagine that you are in 10-15 minutes. in the evening you can pay most of all regular payments: rent, telephone, internet, gas, all kinds of fines, education (kindergartens, schools), etc.

Although many people do not trust electronic payments now (preferring to have a paper receipt), I believe that they are the future. And as practice shows, not always even the name is a piece of paper, you can prove something ...

And so, I will consider the option of paying for mobile communications (payment for utilities, the Internet, etc. - will be done in the same way, only instead of a phone number, you will need to indicate your personal account number).

👉 To help!

How to pay for housing and communal services on the Internet (note: housing and communal services)

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First you need to open the "Transfers and Payments" tab.

Sberbank-online - transfers and payments

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Further, at the bottom of the page, you will see a complete list of what you can pay. The list is simply amazing ☺. I took "Mobile Communications" as an example for payment.

Payment for mobile communication

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Next, indicate the telecom operator (although, there are universal options for paying for any mobile phones).

Megaphone

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In the next window, you must specify the card with which you want to pay, the phone number and the amount you want to credit. Then click "Continue".

Indicated phone number, amount

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Next, check all the filled fields and confirm the payment (if everything is correct).

About "Thank you" and the piggy bank

Thank you is a relatively new feature from Sberbank. The essence of the "thank you" is that for each purchase you will be charged a certain number of them (from 0.5% to 50% of the purchase amount).

These "thanks" can later be exchanged for a discount from many partners: various clothing and footwear stores, books, pharmacies, etc. Agree that it would be nice to get a discount, for the sake of which you don't need to do anything: you just need to register in this program (you don't need to pay anything).

By the way, the phrase in the store will look very comical: "I want to buy an item for "Thank you""(especially if you imagine it 5-10 years ago ...).

To connect, enter Sberbank-online, and in the menu on the right, select "Thank you from Sberbank", then you will need to go through a simple registration procedure.

Thanks from Sberbank

There you can also see how many "thanks" you have numbered and for what purchases.

History of operations: what they gave "Thank you" for.

Piggy bank Is a tool from Sberbank that allows you to automatically deposit a certain amount into a separate account. Those. for example, you receive a monthly salary on the card, you can set it so that 20% of its size goes to the piggy bank account.

The tool, in fact, is a regular deposit (deposit), which will be replenished automatically from your card / account.

One side - conveniently, on the other hand, what prevents you from opening the desired deposit yourself (and the percentage on the tab is higher than the percentage of the piggy bank), and monthly replenishment based on the possibilities ?!

Therefore, my personal opinion is that the tool will be useful only to those who are very poorly familiar with Internet banking, or to those who quickly spend all the money received on the account ☺ ...

To connect the piggy bank, go to the "Cards" (or "accounts") section, next to the required card, click on the "Connect piggy bank" button, see the screen below.

Sberbank-online - cards, connect a piggy bank

Next, you need to indicate what amount will be credited to the piggy bank account: either fixed (say 3000 rubles every month), or some percentage (for example, 10% of all funds received on the card).

Actually, after specifying the amount, click the connect button. Everything! The piggy bank can be seen in the "Deposits and Accounts" section. I also note that in 2-3 mouse clicks you can quickly close it, and withdraw the money to your card.

We indicate the amount that will be credited to the piggy bank account

By the way, for those who like to save money - QIWI allows you to get cashback (that is, part of the money after your purchase is returned to your card / account) up to 26%!