Investments in gold in the Savings Bank. Deposits in precious metals: Sberbank offers a new deposit system

The topic of the safety of one's own savings remains popular in 2019. Particularly relevant is the question of many Russians about how to protect themselves from inflationary leaps, in what currency to keep money, which bank can be trusted, etc. Many experts recommend keeping money not in foreign currency, but in precious metals... You can buy and save them in many banks.

But in times of crisis, it is better to stop at a stable and large financial institution such as Sberbank. We will describe below how you can open a deposit in precious metals and how quickly you can do it.

Conditions

Sberbank offers its regular and potential depositors an excellent deposit - an impersonal metal account (OMC).

An account can be opened in one of four types of precious metals: gold, silver, platinum, palladium.

Of course, a popular and demanded account is a gold account. Experts insist that thanks to the game on the quotes of precious metals, the client can receive a high income.

You can open an account both for a citizen who has reached the age of 18 and for a minor. To open an account, it is enough to provide a passport.

How to open?

To register a deposit in precious metals, including gold, it is necessary to find out which branches provide such a service.

To do this, you can call hotline and specify the address of the nearest office that can open such an account.

The client, having come to the office, must receive comprehensive information from the responsible bank employee regarding the conditions for opening an account in precious metals, as well as the cost of gold, the procedure for terminating obligations and other points that may interest the depositor.

After that, the depositor examines the proposed agreement, signs with the bank and buys precious metals.

Bank offers

To collect, as well as increase their savings, depositors enter into deposit agreements with the bank.

Deposits can be opened not only in national currency... Clients increasingly prefer foreign currency deposits, as they consider them safer, able to protect against inflation.

Recently, however, more and more experts are talking about keeping savings in precious metals. Sberbank offers similar services.

Metal deposit in Sberbank

To date, Sberbank has offered a profitable and popular product - an impersonal metal account, which can be concluded in the following metals: gold, silver, palladium, platinum.

There is no interest payment on these accounts, but such investments and the ability to play on quotes bring significant income to the family's budget.

Gold bar deposits

Investing your savings in precious metals is one of the most effective and competent means of preserving your savings.

Precious metals had and are highly liquid, and the constant increase in their value can bring considerable income in the future.

Savings deposits with the possibility of replenishment in Sberbank

OMS can be confidently called savings accounts, since they provide for both expense and income transactions. There are no maximum limits.

In addition to accounts with precious metals, the bank also has standard accounts in rubles and foreign currency. savings deposits(deposits):

1. "Replenish" - debit transactions are not provided, but replenishment is possible. Rate up to 8.07%, period - up to 3 years.
2. "Managed" - with debit and credit transactions, rate up to 7.31%, period - up to 3 years.
3. "Multicurrency" - without debit transactions, rate up to 6.88%

Interest rates

Now let's talk about profit and whether it is there when opening a metal deposit. In fact, the bank does not charge interest on such accounts, the profit can only be determined by the cost of the metal (gold, platinum, silver).

At the same time, there is no need to despair, because the price of gold is growing from year to year. The upward trend in prices can be traced over the past 10-15 years. It was during this period of time that the value of gold increased 15 times.

Gold deposits are an excellent protection against inflation, no other currency in the world is capable of such.

Today, gold prices are constantly increasing, and experts insist that this trend will continue for a long period of time.

Requirements for depositors

An account can be opened by persons who have reached the age of 18, subject to the provision of an identity document.

Capable citizens from 14 to 18 years old can also conclude a contract, but only with the written consent of a legal representative, who can be one of the parents or guardian.

An account can be opened by a legal representative for a child under 14 years of age.

A person from 14 to 18 years old can make expenditure transactions independently, but with the written permission of a guardian or parent.

A person who is under 14 years old cannot independently perform any actions on such an account.

Documentation

To open a compulsory medical insurance, a client of Sberbank must submit the following documents:

• passport (birth certificate or other identity document) of the future depositor;
• TIN (optional, if available).

Please note that it is possible to open an account in precious metals for a minor.

Additionally, the person in charge at the bank will ask you to fill out an application form for opening a gold account.

Then you need to study model contract and sign it. After the above steps, a bank employee draws up a written order to receive gold in a bank vault.

Can I withdraw money early?

Sberbank focuses on the fact that on an account opened in gold or other precious metals, you can make both expenditure and credit transactions. There are no restrictions on the part of the bank.

There is also no minimum account balance. The client, at his discretion, can claim his savings at any time. The bank will not interfere with this.

How to close a deposit?

As soon as the contract period has come to an end, the client can return his savings in the form of a real gold bank bar or cash out the deposit at the gold metal exchange rate for the current date.

To close an account, the depositor must write a statement. The account must be closed no later than the 7th business day from the date of receipt of the application from the client.

Please note that the legislation of the Russian Federation says that if an account in a precious metal has been opened for more than three years, then citizens of the Russian Federation receive a certain tax benefit.

Pros and cons

Before deciding whether to open such an account, clients try to find both positive and negative aspects of such a transaction.

First, let's talk about the positive aspects of metal accounts with Sberbank:

• constant profit from the growth of precious metals;
• inflation protection;

• when buying gold and other precious metals in an impersonal form, VAT is not paid;

• opening an account, as well as further maintenance, free of charge;
• debit and credit transactions are allowed on the account (minimum and maximum limits are not prescribed);
• you can open a metal account for a person who has not reached the age of majority.

However, contributors should understand that:

• deposits in precious metals are not insured, that is, they do not fall under the deposit insurance law;

• not all bank branches provide such a service;
• individuals, when selling precious metals, are obliged to independently apply to the tax authority for the calculation and payment of personal income tax.

The laws Russian Federation were installed the following concepts to carry out operations with precious metals.

Precious metal deposits- these are deposits that are opened by a credit institution to carry out operations with precious metals.

Safekeeping deposits in precious metals- these are customer deposits for accounting for precious metals transferred for safekeeping in credit organization while preserving their individual characteristics of their contribution to precious metals (type of metal, quantity, fineness, manufacturer, serial number).

Each deposit takes into account some precious metal. This metal is gold, silver, platinum and palladium.

To open and maintain a deposit in precious metals in Sberbank, you must provide the following documents:

1. Passport or any other document that can be used to establish the identity of the client.

2. Submit a certificate of registration in tax authority(TIN), if available.

3. Fill in an application for opening a deposit in precious metals, which is drawn up in a form specially developed by the bank.

4. Sign a special agreement with the bank "storage of precious metals and maintenance of deposits for safekeeping of precious metals". It stipulates the procedure for opening, maintaining and closing deposits in precious metals, the conditions for storing precious metals on them, the procedure for their crediting and writing off and other points. After drawing up the contract, one copy is handed over to the bank's client.

5. A written order is drawn up to receive precious metals in the bank's vault.

The deposit in precious metals in safekeeping can be credited the following types ingots:

- bars that already belong to the client who opened the account, but were kept at home or in another bank.

- ingots, which are purchased through the execution of a sale and purchase agreement in the same bank where the deposit in the precious metals of Sberbank was opened.

So that the client avoids additional problems and does not incur new costs when opening a deposit in precious metals associated with expertise, transportation, payment of VAT tax, bullion of precious metals should be bought, stored and sold only in the bank where the deposit in precious metals is opened, unnecessarily pick them up from a special certified bank vault.

Only precious metals are accepted for depositing in precious metals in Sberbank - gold, silver, platinum, palladium, which are in measured or standard ingots and only if they have certificates and passports of manufacturers.

The crediting of precious metals to the deposit of safekeeping is carried out with the help of a continuous visual control of the provided ingots, their careful weighing, recounting and comparison.

For each fact that precious metals are credited to a deposit in Sberbank, all the features of the provided ingot are recorded - its weight, metal fineness, serial number. The transfer of precious metal from the client to the bank is carried out by drawing up an acceptance certificate in 2 copies and a document on the quality of the provided ingots. One copy of the compiled act must be handed over to the client. In the future, this will make it possible, upon the expiration of the term for opening a deposit, to receive exactly those bars that were transferred to the bank for safekeeping.

Bars of precious metals that were accepted from the client as a deposit in precious metals are not borrowed funds from the bank and cannot be used by the bank as credit resources, placed by the bank on its own behalf and at its own expense in others banking instruments... Bars that are deposited in the bank's precious metals must be handed out to the client at his first request.

1. Where can I open an impersonal metal account?

An impersonal metal account can be opened in the branches of the Bank and authorized to work with impersonal metal. The list of branches of the Bank can be checked on the website or directly at the branches of the Bank. Currently, over 8,500 branches of the Bank open non-personalized metal accounts, over 500 of them work with physical metal.

2. In what metals is it possible to open unallocated metal accounts?

Opening of impersonal metal accounts is possible in 4 types of metal: gold, silver, platinum and palladium.

The Bank sets quotations for the purchase and sale of precious metals in an impersonal form, taking into account the current discount prices for precious metals established by the Bank of Russia, the situation in domestic market precious metals, as well as trends in current price fluctuations in the world precious metals market.

5. In what units is the unallocated metal account kept?

Depersonalized metal accounts are kept in grams of precious metals.

6. Is it installed minimum value to carry out transactions with unallocated metal accounts?

Incoming and outgoing transactions with gold, platinum and palladium are carried out in grams with an accuracy of 0.1 gram, with silver - up to 1 gram.

7. Is it possible to make incoming and outgoing transactions on unallocated metal accounts in other branches of the Bank?

The ability to carry out incoming and outgoing transactions at the branches of the Bank, not at the place of opening an account, depends on the technical capabilities of a particular branch of the Bank. This information must be specified at the time of opening an account.

8. What is the maximum and minimum amount can remain on an impersonal metal account?

The minimum amount on the account is "0", the maximum is not limited.

9. Is it possible to perform metal transfer operations between unallocated metal accounts?

The operation of transferring impersonal metal is not provided.

10. Are there any age restrictions for opening non-personal metal accounts?

An unpersonal metal account can be opened by:

• adults, i.e. those who have reached the age of 18 - on the basis of an identity document;
• the child's legal representative (parent, adoptive parent, guardian) in the name of a minor under 14 years of age - on the basis of:
  • parent - upon presentation of the child's birth certificate (if the child is not entered in the passport);
  • guardian - upon presentation of a document of the guardianship and trusteeship authority on the appointment of a guardian or a guardian's certificate issued by the guardianship and trusteeship authority;
• a capable minor between the ages of 14 and 18 opens independently, but with the written consent of a legal representative. "

11. Who can perform transactions on the accounts of minors?

• under the compulsory medical insurance of a minor, before the age of 14, the operation is performed by a legal representative. To carry out expenditure transactions, the legal representative must also submit a written prior authorization from the guardianship and guardianship authority.

The performance of operations under the compulsory medical insurance of a minor under 14 years old by other persons is possible on the basis of a notarized power of attorney issued by the legal representative of the minor, and, when making expenditure transactions, the written preliminary permission of the guardianship and guardianship authority.

• under the compulsory medical insurance of a minor between the ages of 14 and 18, the operation is performed by the minor himself, but with the written consent of the legal representative drawn up upon his personal appeal to structural subdivision bank in the form of an application on a separate sheet of paper with a signature and date, or on the basis of a notarized consent of the legal representative.

Compulsory health insurance transactions of a minor between the ages of 14 and 18 by other persons are possible on the basis of a power of attorney issued to a minor with the written consent of a legal representative, drawn up by a notary.

12. Is it possible to issue a power of attorney to manage an impersonal metal account?

A power of attorney to be able to dispose of an impersonal metal account must be notarized.

13. Are unallocated metal accounts insured with the Deposit Insurance Agency?

It offers its clients a unique service - the opening and maintenance of unallocated metal accounts (OMC) in silver, gold, platinum and palladium.

In this article, we will discuss:

- how this service differ from ordinary deposits;

- what are its advantages and disadvantages;

- what income under compulsory medical insurance a depositor can count on.

Specificity

By opening such a "deposit" in Sberbank, the client does not receive physical bars of silver or gold in his hands. Just cash on his account are tied to a certain weight of the precious metal in grams. Moreover, individual signs of gold or platinum (fineness, serial number, manufacturer) are not taken into account in the OMS.

In fact, the account holder receives a certain amount of precious metal for his money, which he can later sell to the bank at a higher or lower price.

How to open?

You can arrange such a product in two ways.

The first is to deposit physical metal into your account in the form of an ingot. The Bank accepts both bars of excellent quality (with a premium) and metal of satisfactory quality (with a commission charged).

Second: buy an impersonal metal from Sberbank at the sale rate, which the bank will set on the day the deposit is opened. Quotations for the purchase and sale of precious metals are set taking into account the discount prices for precious metals, the situation in the domestic market and trends in the current exchange rates in the world market.

The main difference between the OMS and the classic deposit is that it is not conducted in Russian rubles, dollars or euros, and in grams.

The opening procedure itself is quite simple. The depositor needs to come to the bank branch with a passport and money (either physical gold, silver, palladium or platinum).

Note!

The service of opening and maintaining OMC is not provided in all branches of the bank. The list of the required branches can be found on the official website of Sberbank in the corresponding section.

A standard bank agreement is signed between the organization and the depositor for opening and maintaining an account. At this moment, the client's money (or the measured ingots presented by him) is exchanged for the so-called "impersonal precious metal" of Sberbank at the exchange rate at the time of signing the contract. The resulting number of grams is credited to the investor's OMC.

The client is left with a second copy of the contract and a special savings book, which reflects the amount of purchased metal in grams. Note that the opening-closing procedure in the most reliable bank in Russia is completely free of charge.

How is it served?

In Sberbank, such an account can be opened “on demand”. This means that there is no fixed deadline for it. That is, the owner of such a "deposit" can at any time make a purchase and sale of his asset without any restrictions.

The maximum and minimum account balance is also not limited. Thus, it is possible to reduce the balance on it to zero without closing the contract (unlike other programs).

The client has the right to open several impersonal accounts at once. However, he will not be able to transfer funds from one to another. By the way, the investor may well transfer the right to dispose of his compulsory medical insurance to a third party (only a notarial registration is needed).

How is the depositor's income calculated?

The product can be opened in one of two options:

The first is “on demand”. In this case, the usual interest on the deposit is not charged. The client receives his income by changing the price of a particular metal.

At any time, he can "buy" his asset or sell it back to the bank (partially or completely closing the account). If at the time of the sale of gold or something else the price of a precious metal has increased, the investor will receive a profit, if it has fallen, then a loss.

The second option is "Urgent compulsory medical insurance".

Such a contribution will no longer be unlimited, but open for some a certain period(usually up to one year). Income consists of two components: a fixed interest on the deposit and an increase in the price of the metal itself.

Let's say maximum percentage on a fixed-term "gold" deposit reaches 5% per annum, and on short terms this figure can vary from 0.5% to 2% per annum.

For term deposit you will have to purchase a decent amount of precious metal (at least 50-100 g). Naturally, the longer the shelf life and the larger the purchase amount, the greater percentage the bank will offer the depositor.

For how long are you willing to invest your savings?

Advantages of unallocated metal accounts over standard deposits:

First, it is an opportunity to receive additional income due to the growth in the value of the selected asset.

Secondly, exemption from VAT on the sale and purchase of precious metals (in an impersonal form).

Third, the instant purchase and sale of an asset at the time of circulation.

In addition, the contract is opened and maintained completely free of charge.

Fifthly, the client can receive his asset in bullion (however, in this case, he will have to pay VAT in the amount of 18%).

Sixth, it is quite possible to issue an account for a minor.

Seventh, the service is an excellent alternative to the stock market.

And, finally, a low entry threshold (to open CHI in Sberbank, it is enough to buy 1 gram of silver or 0.1 g of gold, palladium or platinum).

Flaws:

Such accounts do not take part in this means that in case of bankruptcy of the bank, the client simply will not see his money. For the sake of fairness, it should be noted that such a scenario is unlikely for the country's TOP-1 bank in principle.

The purchase and sale price of precious material is set by the bank individually, which makes the investor dependent on the pricing policy of the organization. The size of the bank spread is not regulated by law.

As a rule, the interest on the urgent metal account not as large as for standard ruble and foreign currency deposits... However, the overall yield is often higher than the yield on long-term foreign currency deposits.

By the way, the Sberbank website presents a very clear and simple "Profitability Calculator", which allows you to see the profit for a month, quarter, six months and a year for each of the four assets. As you can see from the graph, over the past year, only palladium rose in price (by 12.04%), while gold, silver and platinum, on the contrary, fell in price by 11.23% -33.74%.

Conclusion

Depersonalized metal deposits of Sberbank are a real opportunity to diversify your savings by investing part of your money in precious assets. However, this method is more suitable for preserving, and not for increasing free funds.

The income on such deposits is much lower than on basic banking programs. In addition, virtually all metals in last years do not grow, but fall in price. In other words, it is possible to get tangible profits only in the long term.

Read on

Features of metal deposits

When investing your money in a precious metal, you need to take into account not only the benefits, but also all possible risks.

Today, almost all financial experts share the same point of view about how profitable it is to invest in precious metals. The opinion is clearly not devoid of logic - the price of the most valuable metals, even if it experiences minor fluctuations, but, in general, is always stably high.

As an example, we can cite the figures of the State Statistics Service: in 2010, the cost of gold increased by exactly 30%, and the cost of platinum by 35%. In February 2011, prices for precious metals fell slightly, but by March of the same year, the value of the same gold broke its own record.

In this regard, it becomes clear that it is best to invest your savings in gold, silver or platinum, and not in currency. different countries... No other world currency has such indicators of constant growth.

, became one of the first banks to sell gold bars to their depositor. The first bars were sold 10 years ago, and at that time they were produced in weights from one gram to one kilogram. Silver, in turn, was produced in exactly the same weight, and only platinum bars were either 10 or 50 grams in size. The demand for precious metals was extremely high, with all this, the VAT for their purchase is quite high.

However, the main disadvantage of buying bullion from precious metals is not VAT, but the fact that keeping such an acquisition at home is completely inconvenient and even dangerous, and rent safety deposit box- pleasure is not cheap. An alternative option for storing savings in precious metals is to buy collectible coins, which are not only easy to store, but also not subject to VAT. Among other things, the cost of coins depends not only on the cost of the metal from which they are made, but on many other parameters. Exists special course for coins made of precious metals (for example, over the past decade, silver coins have risen in price by almost 5 times).

The only problem with coins is that they are not accepted everywhere, that is, in the event of a sale, there may be problems finding a buyer.

Today, Sberbank offers its clients a system of deposits in precious metals (for example, in gold, silver, palladium and platinum). The unit of measurement for this contribution is the gram. By opening such a deposit (which is called OMC - an impersonal metal account), the client invests money in the metal without worrying about its storage. Such accounts are most often not subject to interest, the depositor receives the main profit from the rise in metal prices.

The overwhelming majority of banks open a personal CHI for clients purchasing more than 100 grams of gold. Sberbank stands out against the general background - a metal deposit in it can be opened even by buying 1 gram of gold. Neither coins nor bars need to be kept at home - after opening such an account, you receive a special order confirming that you own a certain amount of precious metals. To date, Sberbank has a total of more than 15 tons of gold alone in customer accounts.

Of course, the creation of a compulsory medical insurance is possible not only in Sberbank, but also in almost any other bank. Such a contribution does not bode well for quick profits, but if your goal is long-term investment with the receipt large sum subsequently - OMS is a suitable option for you. Another plus of such deposits is that they are not taxed.

So today the maximum profitability among all deposits of Sberbank is observed precisely on the compulsory medical insurance. Perhaps, in the future, something will change, but so far it is profitable to invest in gold, and many understand this.