Sberbank is a credit institution in which it is possible not only to open a current account or place an urgent contribution, but also to conclude a brokerage agreement and gain access to trading on the stock exchange.
To do this, you need to open a brokerage account. You can do this in two ways: to visit the department personally or use the Sberbank online system for those who are already a client of this financial organization.
Features of the opening of a brokerage account in Sberbank
Sberbank has two advantages over all other financial institutions in Russia. The first went to he inheritance. Its branches are in every city, if not completely in step accessibility, then exactly somewhere nearby. And the second is that already in the new days, Sberbank made an application that uses if not the whole country, then its half.How to open a brokerage account in Sberbank personally, probably, everyone is understandable: it is enough to come to the division of a credit organization with a passport. Therefore, we will focus on how it can be done remotely, without a personal visit.
To do this, it is necessary to be an existing client of a credit institution. The appropriate feature is in the "Other" section of the Sberbank online system or the "Investment" section of the mobile application of the credit institution.
Next, you need to fill out the questionnaire, choose the markets on which it is planned to work: stock market, purchase of bonds, currency, derivatives securities. Then choose the tariff, the bill to which the client would like to be credited to the coupons and dividends, and so on. At the end of the procedure, the client is invited to open the so-called individual investment account, the IIS, which provides certain tax breaks.
Individual investment account in Sberbank
In general, Iis is no different from the usual brokerage account, with the exception of some additional requirements, on the one hand, and tax sentments, on the other.
Individual investment accounts in Sberbank are two categories. The IIS of the first type allows you to get a tax deduction of up to 52 thousand rubles a year. As a result, the investor, for the first time, coming to the stock market, it will probably be that it is possible to put it, a certain forget - the initial amount from the state to proceed to trade in securities with the initial plus.
The second type IIS gives another advantage - frees from the income tax received on the stock market.
At the same time, everyone has to pay: to choose one of these benefits of two categories of individual investment accounts, one must at least hold money on the stock market for three years. You can partially withdraw money, but having lost their advantages. That is, in the first case, returning a tax deduction plus a penalty, and in the second, paying 13 percent of the income tax of individuals.
Choosing a brokerage account type in Sberbank
Sberbank offers to open an account, at the stage of filling out the form, determine whether the client wants to manage its money completely independently or is ready to entrust it to the Bank's specialists who have special training.Of course, the size of the commission paid by the Bank depends on the selection. For those who decide to trade himself, it is significantly lower. At the same time, if you entrust the management of the portfolio professional, then make your own transactions will not work.
Sberbank tariffs for brokerage services
Commissions Sberbank on brokerage services are quite competitive and quite logical. A little bit, from 0.018 to 0.06 percent will have to pay those who make transactions on their own through the application in the stock market. For those who need the support of the bank to conclude transactions, a special rate - investment, 0.3% of the transaction.
In the foreign exchange market, the Commission from 0.02 to 0.2 percent, depending on the volume of trading. Moreover, the highest commission is for the minimum transactions, less than 100 thousand rubles, that is, less than 1 thousand dollars or euros.
In the absence of account operations, the Bank does not take any commissions and other payments from customers. Therefore, if the investor wanted to pause in his participation in the stock market, it is not necessary to close the account.
Thus, Sberbank provides its customers with access to the stock market on the average for our country tariffs. It should be noted that he is like someone liked it or not, all the same, the most reliable of financial organizations in Russia.
Instruction how to open brokerage account in Sberbank
- It is necessary to determine the account type that we open. To do this, it is necessary to solve two questions: whether the client is ready to invest for three years, and then in the process of completing the documents it is necessary to choose IIS. And the second question - who will take investment decisions. If he himself, the tariff is lower. You need to choose a "independent" plan. The same, who needs help and support, should be highlighted at the Tariff "Investment".
- Further, in order to open an account, you must already be a customer of Sberbank. Then everything is simple: you can go to the Sberbank online system and open the brokerage account in addition to the usual settlement. Just fill out an application and confirm its sending SMS code.
- If the accounts in Sberbank are not at all, it is easiest to visit one of the offices, especially since they are everywhere.
- The last step is to wait for the opening of the account. As the credit organization site assures, notify the client that the account is open, should come within two days. Interestingly, VTB, a competitor Sberbank number one, suggests this in two minutes. But it does not have such a number of offices.
- Finally, when the account is ready, you can replenish it and perform operations in the stock market. To do this, it is proposed to install a mobile application "Sberbank Investor" or generally accepted on the Russian stock market Quick program.