Financial literacy course: personal account with Sberbank

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

A person is assigned a large number of personal accounts throughout his life: for insurance transactions, utility payments, pension accruals, etc. But most of all, citizens have questions about bank accounts. They will be discussed in this article.

What is a personal bank account?

A personal account is usually called a special registration number, under which all financial transactions carried out between the client and the bank are recorded. Since such transactions are of a different nature (deposit transactions, credit, bank cards), several personal numbers can be assigned to one client.

Account Types

Banks provide different types of personal accounts. They perform different functions.

1. Current account. They are opened to store funds and perform various kinds of financial transactions: crediting money (salaries, benefits, pensions, etc.) and making payments (payment for utilities, repayment of loan obligations).
2. Deposit account. It is designed to save and accumulate money. The yield of such deposits depends on the termaccommodation. The highest interest rate is for long-term deposits (from a year or more). Debit operations on deposits are limited. As a rule, the agreement provides for the withdrawal of funds in the amount of accrued interest. Early termination of the deposit agreement may provide for pen alties in the form of a reduction in the amount of interest income. Some types of deposits can be opened via the Internet - on the bank's website.
3. Accounts linked to bank payment cards.

All bank cards are tied to a personal account. This provides the client with free access to funds. They can be of two types: debit and credit.

Debit cards are used for various accruals (salaries, scholarships, alimony, social benefits). The owner can deposit money to it independently through the information kiosk and at the bank office, make debit transactions within the balance of funds.

Credit cards allow the holder to use funds in the amount of the limit set by the bank. When applying for it, you should carefully read the terms of the loan: the presence of a grace period, the terms of interest repayment, the rate on the loan.

How to open a personal account with Sberbank for an individual?

To open a personal account, an individual needs to contact a bank branch, present the original passport and select the appropriate type of deposit. Please read carefully before entering into a transaction.contract.

In order to open a credit line, you must submit an extended list of documents: income statement, family composition and others. The list will depend on the type and term of the loan.

Also, minors can open personal accounts - in accordance with the legislation of the Russian Federation. If a minor (under the age of eighteen) is an emancipated citizen, has his own income (stipend, allowance, salary), parental permission is not required. Personal accounts in the name of young children (up to sixteen years of age) are opened upon presentation of written permission from parents and guardians.

Design features for individual entrepreneurs

Opening an IP account is optional. But it can be convenient for financial transactions: paying taxes, services, etc. To open a personal account with Sberbank, you will need an extended package of documents:

1. Passport and its photocopy.
2. Certificate of state registration.
3. Certificate of registration with the tax office.
4. License (if required for this type of activity).
5. Application in the prescribed form.
6. Signature card.
7. Seal impression.

Accounts for individual entrepreneurs are opened within a few days, after checking the accuracy of the data.

Design for legal entities

For legal entities, an account is required. In order to open a bank personal settlement account of Sberbank, you need to submit the following:documents:

1. Certificate of state registration.
2. Certificate of tax registration.
3. Paper that confirms the authority of an official.
4. Charter of the organization.
5. Sample signatures and seal impressions.

The registration procedure takes from three days to a week.

How to find out the personal account number of Sberbank

It happens that you need to provide a personal account number to a particular organization: to an insurance company, accounting, pension fund, etc. This number, along with bank details, is indicated in the contract. But the contract may be lost. In this case, the question arises: "How to find out the personal account?" Sberbank provides the opportunity to do this in several ways:

1. Contact the bank branch, where employees upon presentation of a passport will give you all the necessary information. It is best to contact the office where the account was opened.
2. The second option is to call the bank's call center. The operator will ask a series of questions to verify the identity of the account holder, after which you will be provided with all the information you need.



3. Users of Internet banking and mobile applications can view account numbers in their personal account.



4. You can view Sberbank's personal account using an ATM if a payment card is linked to it. To do this, you need to insert the card into an ATM and find the item in the "regional payments" section"account details". All information can be printed as a receipt.

The client can also track all movements on his account remotely or by contacting his office directly.