A savings certificate is a financial document that indicates the intentions of a banking organization to pay a certain amount to an individual within a specified period. It provides the possibility of not only reliable storage, but also a significant increase in the amount of invested funds. Sberbank savings bearer certificate - what it is, how to cash out - the topic of this article.
Content
Sberbank bearer certificate - what is it
Due to the increased interest compared to standard deposits, this security has a very high demand in the modern financial market. Last year alone, 26,000 such forms were in use. Their total amount was 14.5 billion rubles. Benefits of the certificate:
- there is a possibility of transfer to third parties;
- issued on demand and issued in a short time;
- reliable savings of a large amount;
- payment can be made at any time, even earlier than the established one.
Many citizens often think about where to invest their finances so that they multiply? Investing in investments and shares requires certain knowledge and constant control. One of the profitable options - the purchase of precious metals - also does not provide for a stable profit.
Options for investing money in Sberbank:
- deposits - less profitable, but insured deposits that can be returned in case of termination of the bank;
- certificates provide for the use of the highest rate, at a rate of 10%.
Features of the Sberbank money certificate
The issuance of a monetary certificate of Sberbank in rubles is carried out for a period of 3 months to 3 years. It is impossible to extend the validity period, you will have to cash it out and then issue a new document. Interest is charged if the amount is not less than 10 thousand rubles. You can independently decide how many securities to issue, their cost and validity period. If the certificate is provided ahead of schedule, interest will be recalculated.
The use of the certificate is possible as a gift, pledge or testament. If necessary, it can even be sold. This security may also be transferred to third parties. At the same time, the requirement - the validity period - must be observed.
As an advantage of such certificates, one should mention the possibility of their issuance by a bank for an amount of a more impressive amount than allowed by the regulations. With the help of such securities, a large amount of money is transferred, the transfer of which the tax authorities are not aware of. That is why the Ministry of Finance is trying unsuccessfully to fight for the withdrawal of such documents from circulation.
Savings certificate interest rates
Due to the lack of insurance, these documents offer maximum interest.
Disadvantages of bearer certificates
Cons of securities:
- in case of loss of a non-named document, any person can receive payment for it;
- funds are not insured;
- if payment is received before the end of the term, the interest rate will be reduced;
- there is no possibility of renewal, but the purchase of a new document is available.
The registration procedure is carried out in a short time and requires only a passport of the Russian Federation. The transaction will be recorded by the bank.
Reviews on the Internet
At the moment, the savings certificate of Sberbank to the bearer (what it is, how to cash it is written above) has many reviews and most of them are positive. These certificates, as a tool for investing money, are well suited both for yourself and for a gift to relatives and friends. There are very few negative reviews.
How to cash out a certificate
The money invested and accumulated on it can be withdrawn within the prescribed period, the conditions of which are indicated during registration. This type of certificate provides for the possibility of withdrawing money from it to any person with a passport or other identity document.
How to get a certificate
A Sberbank bearer savings certificate can be issued at a branch by receiving a special coupon for making a deposit. After that, you should show the passport of the Russian Federation to a specialist, decide on a specific period and amount of cash investments. A bank employee fills out a special form and offers to deposit funds into a deposit account at the cash desk. A check and a document in the form of a certificate are also issued here, and a part of it with personal information and a signature remains with the cashier. The whole process of obtaining a money certificate takes place in the shortest period of time and takes about 5 minutes.
In order for the received document to be genuine, it is necessary to check that all its columns are filled out. Otherwise, the security will be considered non-performing.
Information for completing the certificate:
- Name;
- interest rates;
- reason for granting;
- date of registration;
- the amount of the cash contribution - in the form of numbers and in words;
- bank obligation to return money at the request of the client;
- organization address;
- demand period;
- signatures of both parties and a special seal.
The accrual of interest for the use of the deposit is made at the time of the completion of the validity period of the certificate. For a period of one year, a certificate in the amount of one hundred thousand rubles can provide an income of about 5.25%. For example, on the deposit deposit Save, rates of 4.80% are provided, which can bring a profit of 4800 rubles.
If the face value of securities is minimal and amounts to 10 thousand rubles, then the income on it will not differ in significant amounts. The most profitable is the acquisition of one document, which will have the maximum cost.
If a Sberbank certificate is presented for payment before the expiration of the validity period, the interest rate is 0.01. Transfer to third parties will not be reflected in the documents. this procedure can be performed only during the validity period of this security.
Sberbank certificate options
Name certificates are also offered. The procedure for their transfer to third parties becomes available as a result of the transfer of the right to claim. On the reverse side of personal certificates, in the appropriate column, the personal data of their owner is filled in. If there is a multiple transfer and at least one person is not indicated, the document is considered invalid. Receipt of payment for these securities is possible within the entire Russian Federation.
In order to receive finance from the Central Bank, you need to apply to a branch of Sberbank with a passport and the certificate itself. If the form is lost, its restoration is carried out in the courts.