Is it possible to hand over change to Sberbank? Exchange of small coins for banknotes at Sberbank: options and procedures

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

Probably, for many years of buying goods, every person has accumulated a decent amount of coins of 50 kopecks or even ten kopecks. As a rule, such a trifle is collected in a glass jar and left until better times. Of course, using these coins to purchase a particular product is not very convenient. On the one hand, the seller cannot refuse, since it is money (no matter what form it is), but on the other hand, there is a great awkwardness because a person will be forced to manually count all these coins. Therefore, sooner or later there comes a moment when the piggy bank overflows and a completely rational question arises whether it is possible to hand over a trifle to Sberbank.

At the moment, such a service is not advertised much for quite logical reasons. However, in Sberbank there is the possibility of exchanging money, despite the fact that the employees themselves insist on the opposite. They say that in this case it is only about the exchange of larger bills for smaller ones. Is that right?

Is it possible to hand over change to Sberbank

In fact, somefinancial institution tellers are a little cunning. They just do not want to once again contact the recalculation of trifles. However, it is worth referring to the Regulation of the Central Bank of the Russian Federation No. 318 "On the procedure for conducting cash transactions." There is a paragraph here that says that a bank employee must necessarily accept change if the client makes a payment in this way.

However, in order to exchange smaller bills for larger ones, Sberbank requires you to fill out an application and pay a commission, which can range from 1 to 3%. In this case, the overpayment cannot be less than 100 rubles. This is an official requirement, so you can rely on it if problems arise.

But in fact, when talking about whether it is possible to hand over change to Sberbank, it happens that the bank teller simply redirects customers to grocery stores and says that such a service cannot be provided. On the one hand, it is possible to understand the employees of a financial organization, since if each client brings a lot of little things with him, then the work of a banking institution will simply stop. But on the other hand, there is a law. Therefore, if we speak officially, is it possible to hand over a trifle to Sberbank, then the answer will be positive. However, this is not always possible.

Features of the procedure

If we talk about the exchange of 10-ruble coins for banknotes, then there are usually no problems with this. Bank employees perceive such procedures without negativity. But if we are talking about coins of a smaller denomination,that is one nuance. According to the general legislation and regulations regarding the provision of banking services, a bank employee may decide to refuse service to a client. In addition, it should be borne in mind that if a bank client does not want to pay any commission, then in this case he may legally be refused.

If such activity on the part of a bank employee causes resentment, then you can make a complaint and send it to the manager of the branch of Sberbank of Russia. However, you need to be realistic. As a rule, no one punishes tellers for not wanting to spend extra time on customer service. In this case, there are no violations of the rules. But if we are talking about a procedure with an appropriate commission in favor of a financial institution, then it is difficult to refuse such a payment.

However, when a rejection is received, there are some tricks that can be used.

The secret of how to guarantee change change

Regardless of the branch of the Savings Bank of Russia, such methods should work. In order not to cause unnecessary indignation on the part of an employee of a banking institution, you can go in several ways. If the user has an account or a Sberbank card, then he has every right to deposit funds into it. At the same time, the regulations do not say anything about what denomination the funds should be. That is, the operator simply does not have the right to refuse to deposit change into the account.

Some people use the accumulated small coins in order toto make loan payments. In this case, the bank employee will also have his hands tied, and he has no right to refuse.

Another interesting way is that you can open a so-called instant issuance card and deposit money into its account. These cards are issued free of charge at the time of application, they can be received within 10 minutes. Thus, a bank employee will not be able to refuse to exchange small things at Sberbank, and the client will be satisfied. Here are some simple ways.

The order of exchange of banknotes

If the teller agrees to exchange change for banknotes at Sberbank, then in this case some preparatory measures must be taken. At the time of visiting the branch, the client of the bank must have a passport of a citizen of the Russian Federation. He should also fill out an application, which will indicate his personal data. Such paper is compiled without fail in case a person suddenly deposited counterfeit money. The exchange algorithm itself is extremely simple.

First of all, the client writes an application and indicates in it all his passport data, as well as the amount he wants to exchange. After that, the bank employee must count all the coins and confirm this operation with his signature and seal, which are put on the application. At the next stage, cash is issued to the client.

Good to know

It is worth noting that for such a procedure in some bank branches there are special devices. They make correct calculations and are suitable for small coins. It is best to apply to such institutions, since in this case there will be no refusal. The recalculation is very fast, so the tellers are not very annoyed by such calls.

Therefore, when deciding where to exchange coins of one ruble or smaller, you should first call the branch to find out if they have a special counting machine for metal money.

Limits

As mentioned earlier, the commission amount cannot be less than 100 rubles. Accordingly, you need to understand that the amount of small things should cover the overpayment itself. In addition, if the final amount does not exceed one hundred rubles, then in this case the employee of the financial institution has every right to refuse to perform this manipulation. If this happens, for example, you need to exchange 50 rubles, and there is no reason to pay a commission, then you can contact the store. Sellers always have a huge problem, which is the lack of change.

It is also worth noting that residents of large cities rarely have a problem where to change coins. As a rule, large bank branches are equipped with the necessary equipment. A financial institution may have special equipment installed.

Terminal for exchanging change in Sberbank

Today, specialized terminals gradually began to appear in banking institutions, which make the exchange without the participation of a teller. Thus, the procedure is much faster and does not lead to the fact that the entire queue is forced to wait until the person manuallycounts coins.

Exchangers of this type work on the same principle. First, the client must pour all the money into a special bowl - the receiver, after which the device will make a quick calculation. At the next stage, the final value of the amount, as well as the commission, should be displayed on the terminal. After the client confirms the operation, he receives paper bills. However, you need to understand that in this case a commission of 3% is provided.

If we talk about where to hand over a change in Moscow, then a similar terminal, for example, can be found at the address: Vavilov street, house 19.

Also similar devices are now available in stores called "Coin Company".

If the exchange is denied

In this case, everything depends on what amount has accumulated in the coins. On the one hand, of course, you can go on principle and spend half a day sorting things out in order to get a piece of paper with a face value of 100 rubles. However, you need to be prepared for the fact that Sberbank employees will insist that they are not required to accept such a trifle, and so on.

Of course, each client has the right to demand the presence of the manager of this branch and ask him all the questions of interest. As a rule, if it comes to this, then the bank employee has no choice, since according to the requirements of the Central Bank, employees are required to perform such a procedure.

But there are a few exceptions. Of course, no one will exchange one ruble. It will also be legalin the event that the equipment for the necessary procedure has broken down in Sberbank or there is simply no change money. Theoretically, after that, you can agree with a bank employee on the day when he can accept the required amount and issue paper cash.

Alternative ways

If you can’t deposit money or donate money to Sberbank, then the easiest way is to contact a retail store or a network pharmacy. You can also visit any nearby market, especially in the morning. When any outlet starts its activity, the cash desk is completely empty, and there are serious problems with the exchange.

Another good way is to contact taxi drivers, which are very numerous in every city. They are constantly faced with the fact that they cannot give change to a large flow of customers.

Special offers from banks

It is best to pay attention to the promotions that are constantly held by banks. The fact is that the Central Bank is trying, if possible, to return the coins, which today are stored in huge numbers in the piggy banks of citizens, since this is a metal that is necessary for the production of new money. In this regard, small bills are periodically accepted by the bank.

For example, a year ago, before the new year, Sberbank officially announced the start of such activities. Clients could exchange fairly large amounts of coins with the lowest commission. For example, for 500 rubles in coins, customers received 450 rubles in paper bills.

Another trick

There is another interesting option that can be used when a very large amount of money in coins has accumulated. To do this, it is enough to open a demand deposit. After that, all the necessary money is deposited into the account in any form.

At the next stage, the user can receive paper banknotes on the deposit. In this case, you should not be afraid that the bank operator intends to give him his own small coins. Metal from ten kopeck coins, which is placed at the disposal of the bank, is usually not returned. This money has long been withdrawn from circulation.

However, you need to understand that with any tricks that are associated with depositing funds to the card with coins, you need to be prepared for very unpleasant words to your address. Of course, the operator has no right to do so. But everyone is familiar with such a concept as the human factor. If this happens, then you can try to call the main manager.

In closing

Based on the above, it becomes obvious that a bank employee must provide a money exchange service. However, in reality, many face numerous problems. To avoid this, the easiest way is to find a branch with an appropriate terminal, or at least with a counting machine. Some even abandon the idea of exchanging small money, as they believe that in the future collectors will be willing to pay much more for them. In this case, you will have to wait too long.