Goals from Sberbank: on the way to a dream

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

Flyer brochures, shop window signs, popular actors on TV programs, and website banners all promise heavenly life in Bali, invite you to sales or talk about the benefits of various offers.

We will gladly congratulate you if all your desires are easily fulfilled with one month's salary. Most people dream of an apartment, a house by the sea, a car, go on vacation with their family, get a decent education.

Any goal can be achieved if you correctly approach the process and engage in financial planning of your income and expenses. Taking advantage of offers from the largest bank, you can not only receive interest, but also guaranteed to realize your desires.

Goals in Sberbank-online: what is it and who can benefit from it

The largest bank offers its clients the service of the same name, which is an investment deposit with different service conditions.

Who cares?For people who want to make a purchase by a certain time or save a certain amount for specific purposes: achieving financial stability, paying for tuition, buying an exciting tour or starting their own business.

Who can take advantage of the offer? Any customer who has a debit or credit card. You can open the "target" in Sberbank through an online application from a stationary PC, smartphone, tablet. You can contact the relevant branch at any convenient time only to receive the original contract.

Product Benefits

The offer from Sberbank stands out from the rest as follows:

• It is possible to create up to 20 goals of different types for one client (car, real estate, vacation, etc.).
• Management and discovery takes place online. There is no need to visit the office and provide documents.
• Ability to set up automatic replenishment from the card. The frequency can be set at your discretion: weekly, monthly, periodically as payments are received or made. Similarly, you can set the amount - a fixed amount or as a percentage of expense and replenishment operations.
• Your money works for you. Opening a deposit involves the accrual of interest. They can be automatically transferred to a savings account or a debit card.

For mobile app users

Let's look at the process of creating a goal from a smartphone or tablet.

First of all, you need to install the program"Sberbank-online" from the Play Market to the device.

At the second stage, an account is registered: you must enter an ID and password. You can create them at the nearest Sberbank ATM.

After entering the application on the main screen, you need to find "Goals".

The user is offered 11 types: from savings for a holiday, vacation and to buying real estate. Psychologists have long noted the effectiveness of visualizing their desires, so you can post a photo of your planned achievements. In the appropriate fields, enter the required amount and the date of receipt of the accumulated funds.

At the stage of choosing the type of deposit, three options are offered with different requirements for the size of the down payment, interest rate and withdrawal conditions.

A careful study of the descriptions will allow you to choose the best tariff.

At the last stage of creating a goal in Sberbank-online, the program will automatically calculate the recommended monthly payment amount to achieve the planned amount by the required date. If you have several valid cards, you will be able to select the one with which the transfers will be made. Interest is paid monthly and can be directed to the target's account or card. Just select the option you want.

For web users

The second method is for customers who use the official banking application through a browser. Priority of actionspractically the same:

Log in to your personal account and find the "Deposits and accounts" section

• At the top of the menu, select "Open a deposit". Select the appropriate terms of service from the list provided. Enter the required data: the term of the deposit, the amount of the first installment.
• Specify where the accrued interest is transferred and proceed to the next step.



• Read the terms of the contract. If you agree, confirm the decision by entering the received code from the SMS.

Attention to future investors

Minor citizens can also use the remote deposit opening service. They have the opportunity to deposit funds on general terms: at a bank branch, through self-service terminals and ATMs.

Income can come from cash prizes, income from work, allowances, scholarships, etc. No authorization is required to receive funds within these amounts. If the deposit was replenished by family members, relatives, then bank employees, when accepting an application for withdrawal, will be asked to provide written permission from any parent or guardianship authorities.

How to withdraw money from the purpose of Sberbank? Receipt of funds takes place at the bank branch in person.

It is also necessary to focus on the terms of service. As of November 2018, Sberbank offers three deposit options with different conditions:

• "ReplenishOnline "- the rate will be 4.4%, the recommended amount of the first payment is 1,000 rubles. Until the expiration of the deposit, the client is not able to withdraw money, but can use the funds within the accrued interest.
• "Manage Online" - the rate is 3, 85%, the minimum balance is determined by the size of the initial recommended payment and amounts to 30,000 rubles. During the validity period of the deposit, the client can withdraw the amount over the term ahead of schedule.
• "Savings account" - 1% rate, no restrictions on the size of the first installment, you can use the funds in the account at any time.

How do I delete a target?

Situations in life are different. Therefore, depositors have the opportunity to early close the savings account with the simultaneous removal of the target. The operation can be performed both through the Sberbank-online personal account in the browser, and through the mobile application installed on the user's smartphone or tablet.

For desktop or laptop users:

• Logging in to your account on the Internet banking website.
• All goals are placed in the "Deposits" section on the main page. In the desired item and in the "Operations" menu, "Delete target" is selected.
• The operation is confirmed by clicking the left mouse button on "Delete".

For mobile app users:

• You need to open the program and log in to your personal account.
• Similarly, the search for the "Deposits" section is performed.
• To remove an extra target, open the corresponding recordand on the right side of the screen, click on "Edit".
• In the menu that appears, select "Delete" and confirm the decision by clicking on the appropriate button.

If there is a balance on the savings account, it is closed and the goal is deleted.

We hope that now you will be able not only to independently answer the question of what these goals are in Sberbank-online, but also to achieve your goal by planning your expenses.