Sberbank brokers: customer reviews

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

Today you will not surprise anyone with deposit accounts in different currencies. But investments in the form of investments are not yet so popular, but are rapidly gaining momentum.

There are many pitfalls in this type of activity. And it will be difficult to cope without outside help. Naturally, you need an intermediary, that is, a broker. And judging by the reviews, Sberbank brokers are doing their job well.

How to choose a broker

Experts recommend paying attention to the following indicators first of all:

1. Reputation of the organization and its reliability rating.
2. Convenience of working with her and professional qualities of employees.
3. Prices for service packages (including standard) including commissions.
4. User reviews.

Why Sberbank?

The main indicator is reputation. In confirmation, you can get acquainted with the turnover of the bank's trading operations on the stock exchange. These data are freely available on one of the Moscow Exchange portals. The section is called Leadingoperators”: Top 20.

The next item is the number of attracted customers. Both figures indicate that Sberbank is among the top five operators. This has a positive effect on customer reviews of Sberbank brokers.

Sberbank CIB (Sberbank's corporate investment business) has been offering brokerage services for clients who prefer to personally manage their capital for many years. All transactions are made online and from anywhere in the world. A wide network of customer service offices throughout the country provides a unique opportunity to work in global financial markets.

Offers from broker Sberbank (Moscow)

A credit institution as an intermediary makes it possible to submit applications to a specialized 24-hour trade desk service. Applications are accepted both by phone and through the QUIK system. This is a well-known trading and information system, the software of which must be installed on a computer. QUIK works via the Internet.

Sberbank as a broker provides services such as:

• Committing unsecured transactions. This is margin trading, with which transactions with securities are available, the volume of which exceeds the value of the investor's assets (money or securities).
• REPO. That is, over-the-counter transactions, which are considered an alternative to lending transactions secured by securities. The transaction makes it possible to promptly raise funds from the available securities in a personal account.portfolio.
• OTS-REPO-overnight deal. With its help, you can receive additional income in the form of 2% per annum from securities in your personal portfolio (short-term placed).

At the moment, there are both positive and negative reviews about the services of Sberbank brokers.

Sberbank cooperates with well-known trading platforms, which allows you to make transactions with a variety of financial instruments. The trading platforms available to Sberbank customers are:

• The "Main Market", which belongs to the group of stock markets of the Moscow Exchange. Here they trade subfederal, municipal and corporate bonds, as well as shares.
• "Forward Market" (with access to futures and options contracts).
• Over-the-counter market (trade in Eurobonds, shares (shares) of foreign investment funds and depository receipts).

Choose an account

Sberbank brokers to work on trading floors offer their clients two categories of accounts:

1. Basic. It includes simple brokerage accounts.
2. Special. This includes investment accounts and individual accounts.

A Bidder has the right to open two accounts at the same time. Accounts of the first category when working on the site reflect all ongoing transactions with securities, show the movement of funds in real time and the results of transactions (including for a certain period).

In reviews of Sberbank brokersIn Russia, many point out that the individual account has some tax benefits. In addition, there are restrictions on the amount of credit: it should not exceed 400,000 rubles.

Opening an account

Opening an account allows Sberbank to become a client's intermediary on the trading exchange. To do this, you need to appear in person at the branch of the financial and credit institution and write an application in which you must indicate the phone number and current email address. The bank will send confirmations for transactions and financial reports to it. In addition, a bank specialist will need a passport, a plastic card of the future broker and his identification number.

After opening an account with the help of a bank manager or on your own, you need to get the account details in the terminal. The whole procedure takes no more than half an hour.

Judging by the reviews, Sberbank brokers do not limit the size of the lower limit of the brokerage account. It depends on the desire and solvency of the client.

Addresses and phone numbers of branches and offices of Sberbank, where they work with brokerage accounts, can be found on the official portal of the credit institution.

The account is open. What now?

At the end of the account registration, the bank is obliged to issue to the client:

• terms of tariff plans for depository services;
• declaration of possible risks in the securities market;
• filled investor questionnaire;
• list of remuneration to the bank forbrokerage;
• a card with the investor's code table and a copy of its acceptance certificate;
• copy of investor application for brokerage service.

Now you can legally engage a bank as a broker and start learning the basics of investing after installing the QUIK system software.

Cost of services

For their help in investing, credit institutions take some remuneration. Its main rule, judging by the reviews of Sberbank brokers, is that with an increase in the deposit, its size decreases. Another case of a decrease in remuneration is an excess of a daily turnover of 50 thousand rubles.

Customers

Most of the reviews note the convenience of working with the company. And indeed, there are plenty of pluses here:

• the application procedure is simple and processing takes place as soon as possible;
• a large number of trading terminals;
• information support for novice investors;
• competent technical support;
• ability to analyze transactions at a professional level;
• availability of tools that allow remote workflow;
• creation of mechanisms that track the status of a transaction in real time;
• availability of a personal account and a personal assistant - an investor;
• sufficient number of services for withdrawing and depositing funds.

Personal account

Sberbank of Russia as a broker hasalmost perfect personal office. It was created on the basis of the QUIK system and allows you to follow the jumps in quotes and account movements, as well as use various additional options. And all this in real time. Plus, Sberbank has posted a large detailed instruction that allows you to accurately install the QUIK system and use it correctly.

Fly in the ointment

Many websites, including the official portal of Sberbank, write that he has good performance in all positions. That he has been taking pride of place among the ten largest brokers for several years now. That the bank has been holding training seminars on individual investment accounts (IIA) for two years now.

The management company, with which trust management agreements are concluded, the Management Company of Sberbank Asset Management JSC, offers clients two lines of IIS development. It also concludes agreements for investing in mutual funds. And so on and so forth.

But…

Among the reviews of traders about Sberbank as a broker, there are not so often positive ones. There is a consensus that MICEX rates are very high, it is impossible to open an account remotely, there is no single account and currency section.

Newcomers most often write that they have no strength to endure constant requisitions: a commission for opening and closing a transaction (and not one), plus 149 rubles a month for the first opening or closing of a transaction, and, of course, 13%. As a result, there is no profit at all. If withdrawn in parts, 13% is withdrawn every other time, at the end the manager calls and asks to pay tax debts. From a negative deal toolevy tax and even on the withdrawal of their own funds (not profits).

Those who have been trading a little longer talk about managers who are scared to death by the words "quick" and "futures". They send one to another, and, as usual, it is not possible to obtain information either on tariffs or on current deals.

Both newcomers and watchdogs agree: there is an artificial creation of problems for customers. It happens that an account is frozen by mistake, and you can find out about it only during the purchase process. And even when the situation clears up, the account is not opened immediately, but within a few weeks.

There are also such reviews about the work of Sberbank brokers, in which clients complain about the impossibility of quickly withdrawing or creating an order. At the same time, the server stably freezes, and the money goes away. In such a situation, many urgently change the broker.

The regulars of the brokerage markets are sure that the server is “hung up” on purpose, as soon as the volatility rises. Then the connection is interrupted. They believe that this broker is not able to provide a fast, and most importantly, stable entry into the market. But the strangest thing is that he doesn't seem to want to…

Many indignant reviews about rudeness. Moreover, the conversation is not about one or two managers, but about a large number of employees in different cities and branches. Traders and investors interpret this position of the bank's specialists as a desire to get rid of them.

And what is the result? As a result, the competence of managers and traders-consultants is estimated at one and a half points out of ten. Adequacy of tariffs and additional services - one point. And evenin the sum of all parameters, Sberbank brokers do not even reach two out of the same ten points.