Reviews about Sberbank customers and employees

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Sberbank today openly competes in the banking services market with other commercial credit institutions. It keeps up with the times of financial and technological changes. Judging by the reviews about Sberbank, it not only constantly introduces modern banking trends, but also outstrips many of its competitors along the way.

Job reviews

Reviews about working at Sberbank confirm that the bank has helped many employees gain financial and professional confidence in their future and make plans for a secure, happy future. The Bank provides great opportunities for unlocking the potential of people and career growth of the Bank's employees. Reviews of Sberbank employees state the fact that work can be found not only in Russia, but also in many other countries of the world. The bank constantly requires employees in all departments, which guarantees that every specialist who meets the stated requirements can find a job in this credit institution. Work in Sberbank, according to reviewsemployees, guarantees material stability and professional growth.

Debit cards

Sberbank offers its customers more than ten different types of debit cards.

View	Terms and privileges	Service cost per year, rubles	Payment systems
"Gold Sberbank"	When paying in cafes and restaurants up to five percent. When paying in supermarkets - one percent. When calculating with partner companies up to twenty percent. According to reviews, "Gold Sberbank Visa" is very popular.	1 500	Visa / Mastercard / WORLD
"Visa with big bonuses"	When paying at gas stations and for trips to "Jet" and "Yandex. Taxi" - up to ten percent. When calculating in cafes and restaurants - five percent. When paying in supermarkets - one and a half percent	4,900 or free of charge as part of the Sberbank Premier service package	Visa
"Custom design card"	Half a percent of bonuses on every purchase and up to fifty percent of bonuses when paying with partner companies.	750	Visa / Mastercard
"Classic"	Bonus program "Thank you from Sberbank"		Visa / Mastercard / WORLD
"Pension"	Three and a half percent per annum on the card balance	Free	WORLD
"Aeroflot"	For every 60 rubles for classic - 1 mile, gold - 1.5 mile and premium - 2 miles.	Classic - 900, Gold - 3,500, Premium - 12,000.	Visa
"Youth card"	Half a percent of bonuses on every purchase and up to ten percent of bonuses when paying with youth partner companies.	150	Visa / Mastercard
"Give life"	When paying in cafes and restaurants - up to five percent. When paying in supermarkets - one percent.	Classic - 1,000, gold - 4,000.	Visa
"Instant card"	Bonus program "Thank you from Sberbank"	Free	Visa / Mastercard
"Troika"	Bonus program "Thank you from Sberbank"	900	Mastercard

Program "Piggy Bank"

Using the Sberbank "Moneybox" service, according to individuals, helps them automatically regularly transfer certain amounts of money from a client debit card account to a savings account or a replenishable deposit opened with a credit institution.

The service has three main benefits:

• Accumulation of funds on an ongoing basis.
• Choice of the savings program of the customer's choice.
• Providing the service for free.

There are three types of programs:

• Transfer a certain percentage of the amount of credits to the deposit on a permanent basis.
• Transfer of a fixed percentage of the amount of expenses on the deposit.
• Transfer a payment of a certain amount on a permanent basis.

According to the feedback from Sberbank customers, the Piggy bank service is connected very easily:

• at bank branches;
• via internet bank;
• via mobile app;
• through a bank payment terminal.

Credit cards

Reviews on the use of Sberbank credit cards note their undeniable advantages. Thus, the bank offers its customers more than ten different types of credit cards.

View	Terms and privileges	Service cost per year, rubles	Payment systems
Visa for travelers	10% bonuses for travel and entertainment (payment for tickets, hotels), 2% for purchases abroad	0	Visa
Classic Mastercard	The maximum limit of the loan granted is six hundred thousand rubles. The grace period for the loan is fifty days. Half a percent of bonuses on every purchase, fifty percent of bonuses from partner companies.	0 to 750	Mastercard
Gold card	Credit limit up to six hundred thousand rubles. The grace period is fifty days.	0	Visa / Mastercard
Premiumcard	The maximum limit of the loan granted is three million rubles. The grace period is fifty days.	4 900	Visa / Mastercard
Classic card Visa "Aeroflot"	Credit limit up to six hundred thousand rubles. As a gift 500 mil. For every sixty rubles, one mil is charged. It is not possible to issue additional cards. Contactless payment for Visa PayWave purchases is not available.	0 to 900	Visa
Gold Card Visa "Aeroflot"	Credit limit up to six hundred thousand rubles. The grace period is fifty days.	3 500	Visa
Premium card Visa "Aeroflot"	Credit limit from three hundred thousand to three million rubles. The grace period for the loan is fifty days. A personal manager is provided. Two millimeters are credited for every sixty rubles.	12,000	Visa
Visa Card "Give Life"	Credit limit up to six hundred thousand rubles. The grace period for the loan is fifty days. Half of the cost of the first year of service goes to the fund and 0.3 percent of each purchase goes to the fund.	from 0 (if there is a client card offer on special terms) to 900	Visa

Five rules for safe use of cards

Judging by the reviews of Sberbank, almost every citizen has cards today. Cases of card fraud alsotake place almost every day. Remember the basic rules for using cards:

• It is not recommended to tell other people the secret code from the card, as well as write it down in a conspicuous place or store it in your wallet.
• If the client has changed his personal mobile phone number, the bank must be notified immediately. In case of loss or theft of the phone, the client must immediately notify the bank and block the SIM card.
• All spending transactions in the virtual space are protected by the 3D-Secure system. When making transactions, the client receives a secret one-time code on his personal phone. It is never recommended to share the code with anyone, even if customers have not used it.
• It is not recommended to leave the card unattended. According to reviews about Sberbank cards, scammers will definitely take advantage of a good moment and make a duplicate of a client card, and then make purchases in the virtual space without the knowledge of the card owner. When carrying out debit transactions, try not to release the debit card from your hands. POS-terminal in restaurants, shops should bring to you. In extreme cases, the client may be offered to go with the card to make a debit transaction to the POS-terminal.
• Hide the terminal keypad when typing the secret when. This allows citizens to avoid fraudsters stealing their secret code.

Credits

Credit reviews of Sberbank confirm the ability to issue any type ofloan:

• Mortgage.
• Car loan.
• Consumer credit.

Mortgage

Reviews on mortgages at Sberbank confirm the possibility of obtaining a loan secured by real estate on various conditions. We list the main programs of the bank lending secured by real estate:

• Government-supported mortgages for families with children. This is a program for families in which, from January 1 of the current year to the end of 2022, a second or third child was born or will be born. The loan rate will be six percent and will be valid for the first three years for loans for families with a second child, or the first five years in the case of a third child. After the end of the specified period, the rate is set at 9.25 percent. The maximum loan amount is eight million rubles when buying housing in the capital and the Moscow region, the northern capital and the Leningrad region, three million when buying housing in other regions. The maximum loan term is thirty years. Judging by the reviews about the mortgage in Sberbank, more than a million families want to take advantage of this program. The down payment must be at least twenty percent.
• Purchase of housing under construction. Purchase of real estate under construction (the period of completion of construction is not limited by the conditions of the promotion) or housing in a finished new building from the seller company. Documents on the residential premises to be credited may be provided within ninety days from the date of the decision of the credit institution to issueloan. It is possible to purchase apartments under construction. The value of real estate should be from three hundred thousand to thirty million rubles. The base rate on the loan is 9.4 percent. The maximum loan amount is eight million rubles when buying housing in the capital and the Moscow region, the northern capital and the Leningrad region, three million when buying housing in other regions. The maximum loan term is thirty years.
• Purchase of finished housing.
• Mortgage plus maternity capital. When buying ready-made housing under construction with a bank loan, the client can use family capital funds for the down payment (in whole or in part). Advantages of this type of lending: favorable competitive interest rates, no commissions, conditions for granting loans for young families on favorable terms, an individual approach to considering a loan application for each client, special conditions for future borrowers who receive wages to an account with Sberbank and the possibility of attracting co-borrowers for expanding the amount of the loan received.
• Construction of a residential building. Individual approach to consideration of the loan application for each client. The minimum loan amount is three hundred thousand rubles. The maximum loan amount should not be more than the lesser of three quarters of the value of the loaned residential premises under the agreement or three quarters of the value of the loaned or other mortgaged residential premises according to an independent assessment. The maximum loan term is thirty years.
• Countrymortgage. The loan is issued on the following conditions: purchase or construction of a dacha or a garden house; purchase of land; the minimum loan amount is three hundred thousand rubles; credit rate - 9.5 percent in rubles; the maximum loan period is thirty years; down payment must be at least one quarter of the loan.
• Military mortgage. The loan is provided for the purchase of real estate in the secondary housing market or for the purchase of housing in new buildings. The base rate on the loan is 9.5 percent. The maximum loan term is twenty years.
• Untargeted loan secured by real estate.
• Refinancing mortgages and other loans.

Requirements for borrowers wishing to apply for a mortgage loan at Sberbank:

• Citizenship of the borrower - Russian Federation.
• Minimum return is twenty-one years.
• The maximum age at the time of loan repayment is seventy-five years.
• Work experience must be at least six months at the current place of work and at least a year of total experience over the past five years.
• Co-borrowers on a mortgage loan can be no more than three citizens, whose income is taken into account in the preliminary calculation of the size of the mortgage loan. The wife or husband of the main mortgage borrower must be co-borrowers in any case, regardless of their solvency and age. Although it is worth noting that the requirements for co-borrowers are the same as for the main borrower. The wife or husband of the main mortgage borrower is not included in the list of co-borrowers only if there is a validmarriage contract or the absence of the spouse (s) of the title co-borrower of the citizenship of the Russian Federation.

What should borrowers do who want to apply for a mortgage loan at Sberbank:

• Submit a package of required documents for consideration of an application to a credit institution of Sberbank.
• Wait for a positive decision from the bank.
• Select the desired housing object (house, apartment).
• Submit a package of required documents on the object to a credit institution of Sberbank.
• Sign required documentation.
• Register your rights to the object.
• Get a mortgage for the amount you want.
• Timely fulfill obligations under the mortgage agreement.

Refinancing

Reviews on refinancing at Sberbank indicate very favorable conditions for the provision of new loans after restructuring. Refinancing of mortgages and other loans is provided on the following terms:

• Loan rate - from 9.5 percent.
• The total amount of refinanced loans must be at least one million rubles.
• Maximum loan term is thirty years.

Reviews about Sberbank state a high percentage of approval for client applications for refinancing existing loans. We list the main advantages of restructuring loans at Sberbank:

• The most possible combination of mortgage and consumer loans provided in different credit institutions in one loan.
• When combinedloans in one bank, it becomes convenient to pay the loan.
• According to reviews of Sberbank, you need to provide certificates of the balance of accounts payable when applying for loan refinancing.
• When refinancing a mortgage loan, you do not need to obtain the consent of the first lender for further restructuring of the mortgage loan.
• Availability to reduce the amount of payment on existing loans.
• The availability of an opportunity to receive an additional loan for the borrower's personal purposes at a low interest rate.
• According to reviews of Sberbank, there is almost always an individual approach to considering the application of each client.

Insurance

Reviews about insurance at Sberbank are not always positive, as many bank customers note the voluntary-compulsory nature of insurance when applying for loans.

The Bank offers its customers four main insurance programs:

• Life and he alth insurance of the client. This is a way to protect yourself and your loved ones in case of disability as a result of an accident or unforeseen death. The insurance company will repay all the borrower's loans, and the client's close people will not be burdened with unnecessary problems associated with the issue of loans.
• Property insurance. Insurance will protect any property of the debtor, whether it be a car, an apartment or a country house.
• Travel insurance. It's a way to protect yourself while traveling away from home.
• Complexinsurance. Making a multi-policy is an opportunity to insure all the risks associated with real estate, personal liability of a citizen, he alth and life at one time. In total, the bank offers three comprehensive insurance programs, one basic and two advanced.

Results

Reviews about Sberbank characterize a credit institution as a powerful financial institution in which each client can find a solution to their problems, whether it is the need to issue a debit or credit card, the provision of a targeted or non-targeted loan.