A very convenient service is now available for bank card holders - Sberbank Piggy bank online.
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Sberbank Piggy bank - what is it?
Piggy bank is a modern service of Sberbank, with which you can save for any personal needs. This becomes possible due to the automatic transfer of funds from any card according to pre-set parameters. It makes sense to find out the options for activating this service and the features of its use.
What do you need to use the service?
Only customers of Sberbank can use this service. After connecting it and choosing a wallet, the set amount of money will be periodically transferred from the card account to a special account.
List of requirements:
• the presence of any debit card - Maestro, MasterCard or Visa;
• Mobile Bank activated on the card;
• Opening a replenishable deposit or Sberbank Kopilka account online.
Types of piggy banks in Sberbank, their distinctive features
As the main advantages, it is necessary to highlight the possibility of transferring funds to the wallet in automatic mode and setting the required parameters. You can choose your savings option.
Accumulation methods:
- Fixed . It provides for the possibility of setting the frequency (on a specific day, once a month, week or quarter), as well as the amount to be transferred from the card to the wallet.
- Interest on money transfers . A specific percentage is determined, which will be transferred to the wallet from any receipt of money on the card. In order to avoid overspending, an amount limit is set. This method is the most convenient for payroll card holders. Credits are not carried out in case of making returns or when making transfers between own cards.
- Interest on spending . The amount of interest that will be deducted from expenses for 1 day is preliminarily determined: withdrawals, transfers and settlements for purchases, via the Internet, incl. Payment of credits and transfer of funds between own cards will not be taken into account.
How to connect a piggy bank in Sberbank?
Sberbank Piggy Bank connects online from a card to a special savings account.
Connection options:
- A call to a Contact Center . It will be necessary to name the data of the passport and information on the card. With their help, the operator confirms the identity of the client (you do not need to name the PIN code). The bank employee will also provide advice on the most suitable Piggy Bank options and how to make the necessary settings for using it.
- Visiting the branch along with a passport or card (it will be necessary to indicate its PIN code to confirm the right of possession). As a result, you can open a deposit, connect the Mobile Bank. For the latter, you will need to submit an application, and for the former, you will also need to draw up a service contract.
- With the help of Sberbank Online, the connection is made independently. In addition, in a special section, you can connect the Mobile Bank and apply for opening an account for deposit savings in accordance with the terms of the piggy bank. Thanks to the prompts, performing all actions in the Internet Bank is quite simple.
How to use Piggy Bank
The scheme of the service does not allow the formation of a "negative balance". In the event of such a situation, a notification will be sent about the lack of funds in the account. If there is no replenishment within 10 days, the operation will be canceled. When the amount of transfers to the deposit account exceeds a certain limit, it will be necessary to confirm this operation using SMS.
How to check savings
In order to control the size of the balance on the Piggy bank, an SMS message . At the time of any transfer of funds, notifications are sent about the amount of the transfer amount, its status or the inability to carry out this operation due to the limit.
In case of exceeding the limits, you will need to perform a special confirmation, which will be requested in the SMS notification. The piggy bank was created in the form of a savings account with access to Internet banking. You can see the balance sheet there.
Piggy bank settings
Sberbank Piggy bank online allows you to create statements, thanks to the "Information on deposit" option. It also provides the ability to change the settings for Piggy Bank services, i.e. You can set up other payment methods.
How to withdraw money from piggy bank
To do this, you need to transfer the required amount from the deposit account to your own card.
Transfer options:
- Bank branch : you should take your passport or card (its details) with you. The bank employee needs to announce the parameters of the transfer of funds: purpose and amount. Cash withdrawal is also available here.
- Sberbank Online : first select the "Payments and transfers" section, and then open the "To your own card" item. Fill in the required parameters in the receipt: card information, deposit account number, amount. Enter the special code received in the message.
- ATM : first select the "Transfers" section, and then open the "Between own cards" item. Enter the required information on the invoice.
- Terminal : the principle of operation is the same as when working with an ATM .
- Contact Center : contact the operator with a request to perform the operation and get information about the possibility of using the transfer remotely.
Money from the card can be withdrawn at a bank branch, ATM or used using remote resources.
User reviews about the service
Having studied user reviews about the work of Sberbank Piggy banks online, a large number of advantages should be noted. They emphasize the convenient accumulation of funds, which are insignificant for a month, but after a year they become an impressive amount. A positive moment is the possibility of accruing interest on the balance of funds. There is access to change the parameters of Piggy Banks, and you can also use several methods of accumulation for various cards.