Open a deposit in the name of the child. Children's deposits in Sberbank

Contributions for individuals from Spurt Bank is a reliable and profitable solution for saving and increasing capital. When choosing a deposit that offers favorable interest on deposits, you should carefully read its terms. Accommodation conditions may vary significantly. It is necessary to decide for how long and for what amount the account will be opened, whether the possibility of replenishment or partial withdrawal is required, as well as the frequency of receiving interest. Deposits with payment of income without the possibility of expense transactions and at the end of the term, as a rule, have more high stakes on deposits. There are also deposits for pensioners, the rates on them are slightly higher than on the standard ones. Having chosen suitable terms of deposits, knowing the terms of placement and rates, the profitability on them is easy to calculate on a calculator. Profitable deposits can also be opened online.

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Are you interested in how in Sberbank you can open a savings account for yourself, for your child or for another person? In fact, there is nothing complicated in this, you will learn all the necessary operations and conditions from our article.

There you need to take a number on the question "Deposits", wait for your turn, explain to the teller that you want to issue a savings book, show your passport and get what you need. When opening an account, you will need to deposit a certain amount, not less than 10 rubles.

Be prepared for the clerk to ask about the purpose of the registration, since if you need it for making transfers or social transfers, you will need to type the branches on its first page.

If you want to issue it to another person, you also need to find out the purpose of the opening and the passport details of the future owner. The same is with the child - take his passport or birth certificate.

Is it possible to issue a passbook this year?

To date, the issuance of new savings books has been suspended. You can get them only if your old one is over, but you can't just come and issue a new one. In rare cases, if it is really necessary, the issue can be resolved through the department administrator.

We advise you to think about whether it would be more profitable for you to get an instant issue debit card with a free annual service which will give you a lot more options.

What are the advantages and disadvantages

What can be noted:

• it is comfortable to use,
• works with ATMs and terminals, i.e. you do not need to stand in huge queues at the cashier to receive cash or replenish your account,
• you will be able to send money to family and friends through an ATM, SMS or the Internet,
• you can also pay for utility bills, television, cellular communications, etc. no commission,
• the card is easy to store, if you lose it, you just block it, and no one will be able to use your money.

The document is considered by many to be particularly reliable as it is associated with state structure times of the SSR. People are attracted by the visibility, which is so lacking in credit cards. You will not receive information about how, where and how much money went and came from a single card so quickly. To do this, you will have to use the services of Sberbank Online or visit a bank branch in person for an extract.

All transactions performed must be indicated in the passbook. It is imperative to check whether erroneous extra data has appeared there.

This is all very good for the client, but inconvenient for the bank employee, who will waste a lot of time filling out instead of ordering a few more clients. All entries in the book in mandatory certified by the signature of an authorized bank employee.

Particularly noteworthy is the participation v bonus program"Thank you". By connecting to it, you will receive bonuses for each of your expenditure transactions, which can be exchanged for a discount of up to 99% of the purchase price in partner companies of the bank.

In addition, a “Social” card was created especially for pensioners, into which one can receive a pension and spend it conveniently. At the same time, you will receive an income of 3.5% per annum on a quarterly basis, you can find out the details

If we talk about the disadvantages, then the passbook has a lot more of them than a plastic card, and in general it is not very convenient. To carry out any operations, you must take a passport and visit the bank office in which this document was issued. It is possible that you will have to spend time standing in line. In addition, it is impossible to pay anywhere with a savings book.

Why banks are gradually moving away from savings books

Financial institutions are actively getting rid of savings books. However, they still have to service those that were issued earlier, and under the same conditions. In addition, these documents are subject to recovery if they are lost or the pages have run out.

Many of us have preserved in our memory those times when our fathers or mothers, grandmothers or grandfathers went to savings bank and put aside a certain amount in a savings book account. Moreover, the account was opened for a child, grandson or great-grandson, and the child had the right to use this money only upon reaching his majority.

Many modern parents are concerned about the question: "Is it relevant to open an account for a minor in our time?" Yulia Bozhuk, General Counsel of the Legal Methodology and Regulatory Support Department of Alfa Bank, kindly agreed to answer this question. Julia believes that the procedure for opening an account for a child before reaching the age of majority is quite beneficial if the parents or other depositors are confident that the Agreement with the bank will not be terminated earlier than the agreed period. Moreover, Yulia believes, this is relevant in our rather difficult time, when parents cannot be sure that they can provide a decent education for their child without using savings. And the situation of instability of the ruble against the dollar, which we can observe on this moment, will not in any way affect the size of the deposit. Since the percentage of the contribution remains unchanged, regardless of the change economic situation in the country. According to Yulia Bozhuk, the main thing for parents is to correctly determine the choice of a bank and credit program... Basically, most banks in the country offer high amounts of deposits, subject to opening an account for a long time (1 - 5 years).

In order to open an account for a minor in a bank, the person who opens it (it can be one of the parents, guardian or relatives) must provide a list of such documents at the branch of the selected bank:

Child's birth certificate;
The passport and birth certificate of the person opening the account.

But there is required condition, according to which, when opening a deposit, the presence of a child and a depositor is required at the same time. As a rule, opening an account for a minor in a bank is an accumulative deposit with a mandatory minimum initial deposit.

The child to whom it was opened accumulative deposit, has the right to use funds from the account (close the account) upon reaching his majority (18 years old). To do this, it is enough for him to come to the bank, having with him his passport, savings book, as well as the Agreement on the opening of a savings deposit for a minor in this bank.

However, a force majeure situation may arise in which a depositor or a minor is forced to terminate the Agreement on opening a deposit for a minor before the expiration of the Agreement. In this case, there are some features of the procedure:

• If the child is not yet 14 years old, the depositor needs to have his passport, child's birth certificate, passbook and Agreement with the bank with him;
• If the child is not yet 18, but has already turned 14, he has the opportunity to close the savings deposit on his own. To do this, he needs to have a passport, a savings book, an Agreement and a power of attorney from his parents (or those who opened the account) with permission to close the account;
• If the person for whom the savings account was opened is already 18 years old, he has the right to close the account on his own. To do this, he needs to have his passport, passbook and an Agreement with the bank with him.

Opening an account for a minor in a bank will become a significant help for a child in the future!

Any parent tries to prepare some kind of material base for his child to come of age. The optimal tool for this preparation is to make a contribution for a child under 18. Sberbank offers its clients a quite convenient program for savings in the name of minors, and upon reaching a certain age the child himself can start the accumulation tool. Let's analyze Sberbank's proposals in more detail.

Features and benefits of children's deposits in Sberbank

Only a legal representative (or one of the parents, or a trustee or guardian) can issue a savings product in the name of a child in Sberbank. At the same time, keep in mind that, despite the fact that it will be you who will open the deposit, you will not see this product in the web account of your bank or in the Mobile application. Formally, a young client will be considered its owner. If, upon reaching the age of 14, he himself becomes a client of Sberbank, the deposit you open will be displayed in his offices for remote financial management.

Important! Anyone can replenish the account - both relatives of the owner and third parties. This can be done in cash through the cash settlement of Sberbank or by transfers via the Internet.

For the disposal of the amounts accumulated for the product in question, the following restrictions apply:

• to withdraw before the 14th anniversary of the depositor cash from the account can only his parents and only upon presentation of written consent for this operation from the guardianship authorities;
• partial withdrawal no savings are provided;
• A 14-year-old teenager can withdraw accumulated interest from the account, as well as carry out replenishment operations;
• upon reaching the age of majority, the child receives the right to fully dispose of the accumulated money.

Important! These restrictions are established by law and cannot be canceled by the bank.

Types of deposits for a child

In addition to such a product as a children's deposit, Sberbank has several other offers. financial instruments for minors. From a certain age, young clients can arrange them on their own.

Contribution up to 18 years old

Parents can open a deposit in the name of the baby at any time. For this Sberbank has prepared a special tariff plan "Refill" (for children). Its main characteristics are as follows:

• savings can be made in Russian rubles or US dollars;
• the term of the deposit is from 3 months to 3 years;
• the prolongation of the product will be carried out by the bank automatically, until the child turns 18;
• interest rates on a deposit vary, depending on its volume and terms of storage of funds;
• the rate increase occurs automatically upon reaching the appropriate threshold for the amount or duration.

At the current moment (summer 2018), the range of interest on this product is from 3.2 to 3.85% with savings in rubles. For dollar deposits, the rates will be in the range of 0.05-0.95% per annum.

Sberbank card from 7 years old

If the parents have a goal not only to accumulate a certain amount by the age of the child, but also to teach the young depositor to use money, they can create a personal bank card... This is possible from the moment the baby turns 7 years old. The terms of use of the payment instrument are as follows:

• the card is opened as an additional one to the account of one of the parents;
• plastic will be personalized, and, if desired, also with individual design;
• the cost of the card will depend on the type of the main tariff;
• parents can set restrictions on the operations of spending money on a child's card;
• the child will have the right to withdraw cash from the plastic account, as well as pay them at retail outlets.

Important! The card will be displayed in the parents' Internet bank. All accounts and deposits tied to it, in fact, will belong to adults, and not to a young client.

Sberbank card from 14 years old

As soon as a teenager turns 14, he can get a card at Sberbank at a youth rate. Such a card can be used to receive scholarships, prizes for olympiads and competitions, social payments, etc. Among other things, a teenager can independently open a deposit to the card at the rates:

• Top up Online;
• Manage Online.

Opening a deposit in this case is possible through the web account or mobile app Sberbank. Written parental consent is not required. The young man will be able to replenish his savings in any way. But the following restrictions will apply to withdrawing funds before reaching the age of majority:

• you can withdraw cash from a deposit only at the bank's office;
• own funds- prizes, scholarships, wages, personal contributions, etc. - a teenager can withdraw without restrictions;
• contributions to deposits made by third parties, as well as funds received from social benefits, can be withdrawn only by giving the bank permission from the guardianship authorities.

When the depositor reaches the age of majority, all these restrictions will be lifted. And the card itself, as well as the deposit, the client will be able to use up to 25 years of age.

Targeted contribution for children

There are no special tools for the formation of targeted savings in the name of a child in the bank we are considering. However, a deposit for a child in Sberbank can be closed with a full withdrawal of the amount if the parents have any ideas on how to spend it (as a down payment for mortgage apartment, to buy a computer for the child's studies, to pay for his graduation, etc.). But for this, the parents will have to coordinate their goals with the guardianship authorities at the place of residence, and submit their written consent to the bank.

Important! Consent is drawn up in free form.

How to make a deposit

To make a deposit in the name of a minor, one of his parents will have to visit a Sberbank branch. You must have with you:

• the passport;
• birth certificate of the child.

After the conclusion of the contract, the deposit must be replenished in the amount of the minimum contribution through the cashier financial institution... For product management, as a rule, a savings book.

Is there any compensation for the deposit

Like all savings products of Sberbank, children's deposits are insured. On the offensive insured event the depositor (or his legal representatives) will be paid the lost amount of savings. Depending on the date of opening an account, its maximum amount is:

• 700 thousand rubles - for products started before December 29, 2014;
• 1 400 thousand rubles. - for invoices issued after the specified period.

Important! The data on insurance payments is current at the time of this writing, and may change over time.

conclusions

The main children's deposit of Sberbank allows you to form savings in the name of a child of any age, up to the age of majority. Moreover, the whole family can participate in savings - the bank does not establish restrictions on replenishing a child's account. But spending money is possible only by one of the parents and only after agreement with the guardianship authorities. This means that the savings of the baby, especially taking into account insurance, will be protected very reliably until his 18th birthday.

Among the abundance of Sberbank offers, the contribution for the child stands out favorably. The service allows you to open a deposit for a minor citizen and receive a monthly passive income.

Opening conditions

To open a savings account with Sberbank of Russia, it is enough to deposit 1,000 rubles. Maximum size the deposit is not limited. The deposit is replenishing. This means that you can deposit an additional amount during the entire period of keeping money in the bank. The number of top-ups is not limited. The following persons have the right to deposit an additional amount to the account:

• Parents;
• Grandmothers;
• Grandfathers;
• The child himself, who has reached the age of 14.

Top-ups can be made at any branch of Sberbank. You must have a passport with you.

Money is reliably protected. You can withdraw capital when a minor citizen reaches 18 years of age. If funds are needed earlier the deadline, Sberbank will agree to withdraw funds from the account only with the permission of the guardianship authorities.

The minimum storage period for money in Sberbank is 3 months, and the maximum is 3 years. However, there is a possibility of prolongation. The bank will perform the action automatically until the client applies for funds. The renewal is carried out on the terms of the tariff.

Profit on deposits for children in Sberbank is calculated monthly. To increase income, experts advise against withdrawing interest. Sberbank capitalizes them - the accrued profit is included in the total amount of the deposit, increasing its volume. This leads to an increase in monthly income.

Often grandparents make such contributions for their children or grandchildren, so it will be useful for them to know.

Features of the offer

The account is owned by a child. Only he can manage the funds deposited in his name. However, the ability to control the deposit appears only at the moment a citizen reaches 18 years of age. Partial right a child starts to manage money at the age of 14. Having received a passport, a minor citizen can deposit money into the account and withdraw the accrued interest.

You can open a deposit for children only at a Sberbank branch.

The list of possibilities for replenishing your account is wider. An additional amount can be deposited:

• In the department credit institution;
• Through Sberbank online;
• Using a mobile application.

To top up your account, you need to know its details. Information is required to complete the transfer.

Interest rates

From magnitude interest rate the profitability of the target contribution for children depends. The indicator is not fixed. It can fluctuate under the influence of a number of factors:

• The selected currency;
• Deadline;
• The size of the deposit.

The rate on a ruble deposit with Sberbank can vary from 3.75 to 5.12%. Interest is not constant... If the client periodically replenishes the account, the rate may change. The amount of income is automatically increased at the moment the deposit reaches the next amount gradation.

Interest rates are valid from 04.04.2017

Rubles US dollars Euro

Opening a deposit

Making a deposit until the citizen reaches the age of majority is carried out strictly at the bank branch. You will not be able to perform an action remotely... Before opening a deposit for a child in Sberbank, you will need to prepare a package of documentation. The applicant must have with him:

• Passport or other proof of identity;
• Birth certificate.

Having collected the papers, a person must contact any branch of Sberbank and inform about the desire to open an account for a minor child. Employees of the credit institution will offer to draw up a contract. It reflects the terms of interaction with the bank. After reading the documents in detail and signing it, you need to deposit funds into the account. The amount of capital must not be less than 1,000 rubles. When the account is replenished, the deposit is considered open.

You may want to insure your contribution, you can read how to do this on our website.

Profitability calculation

When opening a children's deposit for the first time, it is difficult to get an idea of ​​the amount of profit that a deposit can bring. So that clients can calculate in advance the approximate amount of profitability, Sberbank placed online calculator on the offer details page. To find out the amount of profit, you need:

1. Go to official page a credit institution on the Internet and go to the "Child Deposit" section.
2. Select a currency. A savings account can be opened in rubles, dollars or euros.
3. Indicate the estimated time for opening the deposit, the date of birth of the child and the moment when the future account holder will reach the age of majority.
4. Choose the term for which the client is going to transfer money to the bank.
5. Enter the amount of the deposit for the child. Her minimum size should be 1,000 rubles.
6. Decide whether the child will withdraw interest when he turns 14.
7. Specify the amount of the monthly replenishment of the account. If the client does not plan to contribute additional funds, the contents of the column should be left unchanged.
8. Check the accuracy of the entered data and click on the "Calculate" button.

The system will automatically calculate the profitability of a deposit for a child under 18 years old in Sberbank. It should be remembered that the value obtained is approximate. The total amount of profitability depends on the number of account deposits and actions performed with the accrued interest. If the child removes them, the size of the total profit will decrease.

On the specifics of providing compensation

Inflation and subsequent denomination significantly devalued deposits opened before the early 90s of the 20th century. To restore the rights of citizens, the Government issued Decree No. 1092 dated December 25, 2009. Legal act established the procedure for providing compensation. In 2017, citizens of the Russian Federation who had open deposits on June 20, 1991. Compensation is provided on the following conditions:

1. If the deposit was opened for a person born before 1945 inclusive, the amount due is increased by 3 times.
2. If the owner of the deposit was born in the period from 1946 to 1991, the amount of the payment is doubled.

If a person previously received compensation, the payment is automatically reduced by their amount.

The storage period of money in the account also affects the amount of compensation. Its value is determined using the following coefficients.