Today, an impersonal metal account with Sberbank of Russia is a very rational alternative to the classic savings account and even playing on one of the stock exchanges.
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Impersonal metal account - what is it?
An impersonal metal account allows you to own a certain amount of precious metals without physically having the metal itself. Hence the name - impersonal.
That is, gold , silver, platinum, palladium are purchased in a certain amount, which is stored on the account. At the same time, quotes naturally affect the growth of profits. As a result of the increase in the value of the metal market , additional income can be obtained. Or get a guarantor of the safety of the available amount in times of crisis, since precious metals are regarded by investors as a safety cushion.
Many people wonder why use such capital when you can just buy bullion? There are several advantages here:
- there is no need to open a safe deposit box, because these are additional costs;
- if the packaging of the ingot is damaged, then it will lose a large share of its value;
- on a depersonalized account, the process of buying / selling is carried out according to a simplified scheme, similar to non-cash banking operations;
- no tax is charged for the purchase of impersonal metal;
- a metal account can be opened even in the name of a minor as a savings investment.
Registration of the MHI deposit
To open an unallocated metal account with Sberbank of Russia, you should familiarize yourself with the exchange rate for the selected type of metal in advance. At the same time, one should take into account the fact that every day it changes a little. Today, it is possible to buy four types of metal at Sberbank:
- platinum;
- gold;
- palladium;
- silver.
Estimated value changes according to the exchange rate.
Sberbank changes course daily. On the official website, you can view up-to-date information regarding the exchange rate for depersonalized accounts for each type of metal. Here everyone will find the results of quotes, as well as a chart with a modified value for a particular period.
How to open an unallocated metal account in Sberbank
You can open OMS both in the branch and via the Internet, in Sberbank Online . The process is no different from opening any other account and is carried out in stages:
- First you should contact a bank employee and ask for a form to fill out.
- Fill out an application, indicating: passport data, type of metal, weight in grams, accumulation option. The application and passport are handed over to the bank employee.
- Transfer cash from your account.
- Sign an agreement indicating interaction with Sberbank and the procedure for performing all operations.
- Get your hands on documents confirming the possession of compulsory medical insurance, with the specified details for carrying out operations remotely.
In remote mode, you can purchase gold or silver on OMS at Sberbank, being a client of the bank. To do this, it is enough to issue any plastic card. This will open access to registration in online banking. And through this service, you can carry out various financial transactions, order a number of services and block cards.
Opening an OMS account through Sberbank Online
Opening an impersonal metal account using the Sberbank Online Personal Account. You need to open the "Payments and transfers" tab, and then - "Operations on loans, deposits, compulsory medical insurance."
Filling out an application for an impersonal metal account with Sberbank:
- Choose the most suitable type of metal, taking into account the cost of each of them (per gram).
- Specify the weight, in grams.
- Select the card from which the payment will be debited.
- Enter the required amount.
- The rate at which compulsory medical insurance is opened on this day is indicated in the corresponding column and does not change.
- The branch where the deposit will be opened is selected.
- Dates for opening an account and filing an application are indicated. This data also does not change.
- Next, click "Open".
- Check that all data is up to date and correct. Read the text of the contract in the "Conditions of the contract" section.
- Press the "Confirm" button.
After this procedure, an impersonal metal account with Sberbank will be officially opened and activated. The request will contain a mark of completion. In terms of value, this mark is compared with the importance of a bank seal. Details, date and bank branch are also indicated there. If necessary, you can print a receipt. It will serve as confirmation of the expenditure of money on a plastic card.
Photo instruction - how to open an unallocated metal account in Sberbank Online
Tips and tricks for beginners
Contrary to the fact that the MHI is compared with a regular deposit, it is not allowed to carry out any non-cash transactions. It is only allowed to sell or buy additional metal, taking into account the gradation:
- platinum, gold, palladium - 0.1 g;
- silver - 1 g.
Just in case, it does not hurt to study the reviews of other users who have already opened OMS in Sberbank. Their experience will allow you to avoid mistakes in some way that can lead to loss of income.
Newbie tips:
- You need to open an account with savings. This will make it possible to receive income not only through a change in the course, but also due to an increase in the percentage put on the balance of money. Sberbank employees do not always talk about it.
- There is such a thing as seasonal exchange rate fluctuations. Therefore, it is advisable to check the statistics for a couple of years. It is better to open an account at the stage of decline in value, and sell at the time of growth.
- If the account is closed after three or more years, you will not have to pay tax. It is most advantageous to use a long-term type of investment in order to minimize losses.
- You need to understand quotes. The price of precious metals may fall sharply. But they should not be sold during this period.
Impersonal metal account in Sberbank - video
If you still have questions regarding CHI, we suggest watching a video that will answer them.