Safe deposit boxes in Sberbank: conclusion of a lease agreement, advantages and disadvantages, user reviews

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

Most people living in Russia are tormented by two questions: "how to make a lot of money" and "where to store it afterwards." Some still continue to keep savings at home at their own peril and risk. But in the modern world, there are a large number of options for storing funds, and one of them is the use of a bank cell. This service has long been used in the process of buying and selling real estate and for the duration of an extended departure. Next, you will learn everything about bank cells from Sberbank.

All about safe deposit boxes

Bank vaults are standard metal boxes kept in financial institutions. The dimensions of the provided cell are different, depending on the needs of the client. They are located in specially equipped rooms, most often basements. Safe rooms are securely guarded with several armored doors and alarms.

The security service of a financial institution makes very strict requirements for citizens who want to find themselves in a vault. These conditions apply not only to customers renting a cell, but also tobank employees. The latter must obtain special permission for this and present it on demand. Visitors are allowed to visit the vault an unlimited number of times, but on any visit, the client must present a personal passport and put a mark in the visit log.

Safes are of two types: with two sets of keys (one is kept by the client, the second - in the bank branch) or with a combination lock (character set is known only to the tenant). If you choose the second one, you will have to pay much more, but it also has a much higher level of protection.

Terms of providing a box

Sberbank's safe deposit box has the right to use any person, the only requirement is the presence of an identity document. You can rent and use the safe only after signing an agreement with the bank. This document can be of two types:

1. The lease. The text of the contract states that the financial institution does not have information about the contents of the box, but only provides a rental service.
2. Storage agreement. According to this document, Sberbank assumes the obligation to preserve the valuables in the safe. To do this, an employee of the organization draws up an inventory.

Safe deposit boxes from Sberbank for storing valuables are issued on the terms specified in the agreement. The tenant has the following options:

1. Selecting the department where such services are provided. You can find the location of representative offices atofficial portal or by calling the hotline.
2. Use the box at any convenient time, but only during office hours on weekdays.
3. Possibility of access to the vault of third parties together with the client.
4. Opening a cell by a trusted person. With him, he must have permission certified by a notary.
5. If necessary, a banking institution can provide equipment to control the authenticity of the contents of the box and count the banknotes.
6. Self-selection of the duration of the bank cell lease.
7. Choice of drawer dimensions.
8. Privacy.
9. Advanced security and fire fighting equipment.
10. Modern banking equipment.
11. The opening of the cell is carried out in the presence of a bank employee. He uses two types of keys for this: electronic and mechanical. One of these copies is in the hands of the client.
12. Possibility of reducing the rental price subject to the conclusion of an agreement for a long time.
13. Great deals for regular customers.

Renting a safe at a branch of Sberbank

In order to conclude an agreement, a potential client must provide a passport to the banking department. The lease of a safe deposit box in a financial institution is carried out by the client on the basis of a user agreement, which fixes all the main points of the transaction, such as the box number, validity period and payment.

After observing allformalities the tenant is given:

1. Agreement.
2. The key he will keep.
3. Card confirming the right to use the cell.

How to get into the vault

To go to a safe deposit box in Sberbank, a visitor needs to:

1. Show the key, card and passport to the employee of the institution.
2. Wait for system lock to be disabled.
3. Unlock the safe with the key.

Auto storage service

You can use the latest systems of banking equipment in almost any office of Sberbank, with the exception of the Baikal and Northern branches.

Such branches of Sberbank with safe deposit boxes are a lot of armored boxes and an automated delivery device that delivers the box straight to the window of the subscriber terminal. The device is placed in a separate room where entry is allowed only if there is a special magnetic card. The request for delivery of the safe is made by entering the PIN code.

Lease Agreement

Between the tenant and the financial institution, two agreements are concluded: for the lease of the safe and for storage, in order to fully regulate all parties to the contract. The main points of the document are:

1. Validity period.
2. Price of a safe deposit box at Sberbank (rent).
3. Service fee.

In addition, the text of the agreement specifies all the rights and obligations of the parties. The main ones are the absolute materi althe responsibility of the banking institution and the need for the tenant to comply with all conditions for making payment and accessing the content.

The agreement guarantees the confidentiality of the content for other employees of the institution who are not authorized to participate in the transaction.

And also, bank employees do not have data on the contents of the safes stored in the depository of Sberbank, with the exception of a number of force majeure circumstances (seizure of the tenant's property, expiration of the lease without further action by the user within the number of days prescribed in the contract).

A bank employee who accompanies a client when opening a safe deposit box has the right to ask for a visual inspection of an item that causes suspicion in order to make sure that the list of valuables allowed for storage.

What is taken into account when calculating the cost

The price of a safe deposit box in Sberbank (rent) depends on several important points:

1. The term of the agreement (the longer it is, the lower the cost).
2. Dimensions of the safe (there is a special plate on the official portal with dimensions and other data).
3. Number and type of key.
4. Number of people who own the right to access the cell.

Before concluding a lease, you should clarify all the details and subsequently follow the conditions specified in the document. In this case, there will be no questions to the client and all sorts of unforeseen situations.

Service cost

As it was beforenoted earlier, the price depends on the dimensions of the safe and the duration of the lease. For example, the amount for renting a box with a size of 5550 for a period of 1 to 30 days will be 166 rubles per day. Using a safe of the same size, but for a period of 361 to 1096 days, will cost the client 82 rubles per day.

The fee is increased by 2,000 rubles for using a Sberbank safe deposit box for real estate settlements and other similar transactions.

List of free services:

1. Proxy box operations.
2. Provision by the bank of special devices (calculating machine, equipment for checking the authenticity of banknotes).
3. Search for a safe upon customer request.

The service fee is deducted from the client's account after signing the documents in one payment for the entire rental period. In the event of an extension of the contract, the tenant is obliged to deposit the established amount into the account.

For whom this service is relevant

The service of renting a safe deposit box is very popular among individuals, especially for those who are going to acquire real estate or complete some other transaction.

Renting a safe deposit box allows the buyer to reduce the risks associated with the registration of property. The seller can be sure of receiving the full amount specified in the contract.

In addition, the service of renting a bank cell of Sberbank in Moscow is actively used by citizens who want to be sure of the safety of their valuables and be able to pick them up inany convenient time. At the same time, they are guaranteed complete secrecy, since even the employees of the bank branch themselves do not have information about the contents of the safe.

How to rent a cell for a property deal

Sberbank provides citizens with a cell rental service to complete a real estate transaction or purchase and sale of an apartment. The cost in this case will be from 23 to 145 rubles. The amount depends on several factors, on how long the agreement is drawn up, and on the dimensions of the box. They are all determined by the tenant.

Real Estate Deal

Renting a Sberbank safe deposit box when selling an apartment is a rational decision that will help you avoid becoming a victim of scammers. The safe can only be opened in the presence of a bank employee. To save money, it is recommended to choose a longer rental period, but keep in mind that the minimum amount that you need to deposit is 700 rubles for the entire period.

Safe boxes of the following dimensions are available at Sberbank:

1. Width - from 30 to 65 cm.
2. Length - from 4 to 60 cm.

There are several ways to pay rent:

1. At a bank teller.
2. Transfer from a depository account or a bank card.
3. Cashless payment.

After signing the contract, each party has a package of documents:

1. Agreement.
2. Inventory and Act of transfer to use.
3. Key.

Features & Benefits

Whenmaking transactions of any type, accompanied by the exchange of cash banknotes and documents, renting a safe at the Sberbank depository would be a reasonable step. This is explained by the presence of the following positive points:

1. Information about the contents of the cell is not disclosed to third parties.
2. Only the tenant or his authorized representative has the right to open the box with valuables.
3. The vault is equipped with 24-hour video surveillance and a security system, which guarantees a high level of security.
4. Values are reliably protected from man-made disasters.
5. The contents of the safe can be obtained at any time, as part of the work of a banking institution.
6. Sberbank provides special equipment for checking the authenticity of banknotes.
7. No security deposit.
8. The list of bank branches that provide safe deposit services in Moscow and St. Petersburg is quite wide.
9. The choice of conditions (the term of the contract and the dimensions of the box) remains with the client.

From the foregoing, it can be concluded that renting a safe deposit box helps people to provide security, preserve valuables, and at the same time be confident in confidentiality. They draw up a lease agreement for a bank cell in Sberbank, as a rule, immediately after signing a preliminary agreement for the sale of property.

Flaws

There are some minor drawbacks to storing valuables:

1. The funds contained in the box do not accumulate.
2. The banking institution, under the terms of the agreement, is not responsible for the contents of the cell, that is, it is only responsible for the fact that it will not be opened. To change this condition, it is necessary to conclude a special agreement, which includes an inventory application and an appraisal report. If money is stored in the safe, then they can simply be counted, but to assess the values, you will need to invite an expert. Each autopsy is done anew and confirmed.

Why Sberbank

This financial institution is the most popular and reliable institution in the entire banking system. It occupies the main positions in almost all indicators: the value of assets, capital, net profit, and so on. In addition, the study of reviews of a safe deposit box in Sberbank indicates that customers are attracted by the following points:

1. Large list of banking units providing this service. At the moment, there are more than 190 offices equipped with safe deposit boxes in Moscow alone.
2. Ensuring a high level of security for the contents of the box. This is achieved through the use of advanced equipment and security systems.
3. Data security.
4. Presence of a loy alty program for users of premium packages - Sberbank Premier (20% discount) and Sberbank First (30% discount).
5. Possibility of joint ownership of the cell (up to four people).

User reviews

In general, customers who have tried this service are satisfied. They are attracted by reliability and affordability.process, but most often rent cells for property transactions. Few people risk storing valuables in a bank safe on an ongoing basis, since there is a lot of information on the Internet about the loss of part of the products or money. Everyone decides for themselves whether to take risks or not, but if you still decide on bank storage, then choose reliable and trusted banks, such as, for example, Sberbank.