How to become prime minister at Sberbank. Sberbank Premier: reviews of who agreed to this proposal. OMC - offer only for the elite

• When buying or selling precious metals under the compulsory medical insurance, these transactions
• Maintaining and opening an account is free of charge.
• Transactions on the purchase and sale of precious metals are performed instantly.
• No need to rent for metal storage.
• You can also issue this investment product for a minor child.

Deposits in Mutual Investment Funds (Mutual Funds)

Sberbank offers VIP clients additional investment funds. This is a unique offer within the Sberbank Premier program - an investment in a mutual fund.

The minimum investment amount is from 15,000 rubles.

When investing in a mutual fund, your investment portfolio will be managed by an experienced specialist, which minimizes the risk of loss of profit. All funds are diversified by the curators and constantly monitor the market, which also reduces financial risks.

Investment insurance SmartPlus

For investments, another interesting program is offered - an investment with a hundred percent return and a guarantee of high profits.

Your investment funds will be invested in a special guarantee fund, which allows you to return the entire amount in the event of any serious market fluctuations. In the event that there is a risk of losing money, the entire invested amount is directed to the risk fund. The money is invested with a high income. The minimum period for which an investment is possible under this program is five years.

Endowment life and health insurance program

If you have children and you want to save up a significant amount by a certain age, this program allows you to make such an accumulation.

Program features:

• You can collect a certain amount for the education of the child or the purchase of housing.
• Additional tax incentives apply to funds invested under this program.
• Funds are not subject to confiscation in case of debt.
• Not subject to division in case of divorce.
• Paid upon reaching the conditions within 30 days.

Insurance conditions

• You determine the storage period of funds, the amount and total amount of contributions and savings.
• Make your first installment.
• In accordance with the conditions, make regular contributions to the account.
• The invested amount is invested by the insurance company.

Since Sberbank always expands the range of its services for different groups of clients, and always offers comfortable and favorable conditions, this program was developed specifically for holders of large deposits. It allows you to use investment mechanisms as efficiently as possible, form profitable investment portfolios, and receive preferential VIP services.

I love to learn everything new, interesting and unusual. And also - wrap yourself up in a warm blanket, take hot cocoa and tell you about the latest developments in the financial market, hot stories from the offices of bank consultants and other interesting things.

Sberbank offers a package of services "Sberbank Premier" for regular customers. Service is provided in a special order with the provision of a number of benefits and bonuses.

What is the Sberbank Premier program?

The Sberbank Premier program is a preferential service, a package of additional services that regular customers of the bank can use. The service includes such bonuses as personal consulting, the ability to resolve issues using a dedicated hotline, preferential loans and many others.

How to become a client of the program

The conditions for joining the client program are as follows:

1. The presence of a deposit in Sberbank of at least 400 thousand rubles.
2. Participation in a salary project with a salary of 50 thousand rubles per month.

It is enough to correspond to either the first or the second characteristic. When joining the program, you must obtain a Premier class card such as Visa or MasterCard. The application can be submitted through the form on the website. After submitting the application, the specialist will call back and schedule a meeting to sign the documents.

Benefits of Sberbank Premier

The program provides additional services for comparison with ordinary users:

1. Individual counseling without queues and long waiting times.
2. Attached manager.
3. Confidential service in a separate office.
4. Service by phone 8-800-555-02-55, 8-495-669-06-38. The call is free around the clock.
5. Profitable products: deposits with a higher interest rate, attractive lending conditions, the ability to connect several VIP cards of Sberbank.
6. Participation in promotions and bonus programs of Sberbank, preferential money transfers.

You can get the desired service or consultation at any time convenient for the program participant, at any branch of Sberbank.

Favorable offers in the program

Sberbank Premier offers preferential terms for lending, deposits, operations with foreign exchange and precious metals. Interest rates on deposits range from 1 to 10.6%, depending on the type and terms of the deposit. Loan rates from 7 to 19% per annum.

Free issuance of Visa Platinum and MasterCard bank cards is provided. Using cards opens up a number of additional opportunities:

1. Insurance service against loss, theft of a card, theft of funds. Refunds up to $ 2,000.
2. Luggage loss insurance for travel abroad, flight cancellation costs. The insurance is available for the whole family. The amount of payments reaches $ 100,000.
3. Purchase protection insurance for Visa Platinum holders. When paying for goods with this card, the amount of insurance will be up to $ 20,000.
4. Concierge Premier service. A hotline was opened to help organize recreation. Managers will help to book a hotel, rent a car, provide information on events, currency exchange and any other information the client is interested in. Phones: 8-800-700-22-55 - for clients with a Visa Platinum card, 8-800-333-56-45 - for World MasterCard holders.
5. VIP waiting area at the airport. Regardless of the class of tickets, program participants have the opportunity to spend time while waiting for the flight in a comfortable waiting room. To use the service, you need to obtain a Prioriti Pass card.

Why do you need service under the Sberbank Premier program?

Service within the program allows you to effectively save time on solving financial issues, use the bank's products with significant benefits. You can open up to 5 Premier Visa or MasterCard cards. The cards also offer an improved service package. Participants of the program travel comfortably and are insured against unpleasant incidents on the road. Discounts are provided for purchases by katas in many federal retail chains.

It is beneficial for holders of large amounts to use deposits at increased interest rates. There is an opportunity to take a profitable loan for vacation, purchase of large things at an acceptable percentage.

Interest rates in the program

The interest on deposits depends on the product of the bank. The following contributions are now presented:

1. "Special keep." The rate is from 7.7 to 10.16% per annum. The term of the deposit is from 1 to 36 months. The deposit is one-time, it cannot be replenished. The minimum amount is 1 million rubles. There is a monthly accrual of interest that can be withdrawn.
2. "Special top up". Interest on the deposit up to 9.45 per annum. Deposit term up to 36 months. The minimum amount is 1 million rubles. Possibility of deposit replenishment and monthly interest withdrawal.
3. "Special rule." The interest on the deposit is from 7.8 to 8.44 per annum. It is possible to withdraw part of the funds from the deposit. The interest rate depends on the minimum amount of the deposit balance. A deposit is made for a period of 3 to 36 months.

Consumer lending conditions for Sberbank Premier members include several products:

• housing loan at 12% per annum;
• consumer loan up to 1,000,000 rubles at 15.9%;
• educational loan in the amount of 45,000 rubles at 7.05%.

Insurance in the program

Life insurance is provided in the format of the Smart Plus program. The investment is kept for 5 years. The investment amount is charged with dividends from securities and high-yield funds.

Endowment insurance allows you to create a budget for specific purposes, such as paying for the education of children or buying real estate. Funds are saved under the program. The sum insured cannot be withdrawn or divided in case of divorce.

Holders of Premier Visa and MasterCard cards are included in the travel insurance program. The insurance covers all family members and is accepted by the embassies when applying for visas. Cash on cards is also insured. Insurance is issued by the Sberbank Insurance company.

Preferential exchange rates from Sberbank Premier

Specially for the participants of the Sberbank Premier program, the purchase and sale of currency is carried out at a preferential rate. The exchange rate can be found through the Hotline or from a personal manager or on the website

It is worth noting that when making transactions, the rate may change slightly. For example, when debiting from the card, the rate may differ from the rate that was at the time of the exchange. Changes in the selling price of a currency can be tracked using charts.

Program cost

You can use Sberbank Premier products free of charge for 2 months. If the client keeps the amount of 2.5 million rubles in the bank, then the free service remains. To continue the free service, the amount must be irreducible. With a smaller amount on the account, a monthly fee of 2500 rubles is debited. If the client decided to disable the program during the grace period, the amount of 2500 rubles will be debited in any case: the grace period plus the month of consideration of the application.

How to connect the program?

You can leave an application for connecting Sberbank Premier by following the link directly on the website.

After filling in the necessary information, the manager contacts the clients and specifies the bank branch and a convenient time for processing documents. At the meeting, it is proposed to conclude a service agreement, the program's possibilities are discussed. After the conclusion of the contract, the client becomes a full member of Sberbank Premier and can use all the amenities of service in this format.

Sberbank of Russia offers its clients such a service as Sberbank Premier. What it is? Let's try to figure it out in more detail. The service is essentially a specialized service format that is available only to wealthy clients of the country's largest bank. The offer provides for a high level of service and comprehensive confidentiality during negotiations, service in any branch out of turn and assistance of a personal manager in the selection of ideal banking products.

How to become a client of the Sberbank Premier program and what benefits can you get?

The "Sberbank Premier" program, the customer reviews of which are extremely positive, is provided to a certain category of persons completely free of charge. In order to get on the list of preferred clients, you need to meet one of the prerequisites:

• The presence of a deposit in a financial institution in the amount of 1 million to 8 million rubles.
• Belonging to salary clients, with the receipt of salary on the card of Sberbank of Russia over the past 6 months in the amount of 150 to 500 thousand per month.

Requirements can be adjusted depending on the region where this cooperation format is offered. The connection to the service is carried out by telephone. Customers with an accumulated deposit of 8 million rubles or a loan balance of more than 20 million rubles can apply for VIP-service.

Unique and advantageous offers

We continue to consider the Sberbank Premier program. What it is, will allow you to see a wide range of offers within the service. It is worth mentioning the attractive rates on deposits:

• "Premier Save" up to 11.34% in rubles.
• "Special Top Up" from 11.02% to 11.67% in rubles.
• "Special Manage" from 10.31% to 11.20% in rubles.

Customers can use premium plastic cards Visa Platinum and World MasterCard Black Edition. VIP clients get a unique opportunity to invest in mutual funds and

"Premier": the best offer for wealthy clients

The Sberbank Premier program, which has very attractive interest on deposits, was developed to meet all the needs of wealthy clients. People who have large capital in their hands now get the opportunity to invest their funds in highly profitable programs with high reliability and minimal risks. Sberbank Premier clients are privileged depositors with whom work is carried out on an individual basis.

Professional managers, taking into account the specifics of the issue and needs, offer the most optimal financial products. Classification of all clients of a financial institution into groups allowed us to transfer service to a higher level.

Why do you need service under the Premier program?

The service "Sberbank Premier", the feedback from the employees about which is extremely positive, is focused on people who have a large personal capital at their disposal. It's no secret that the larger the amount of savings, the more professional management they need. The best experts of Sberbank of Russia offer effective solutions in terms of managing personal finances. Each VIP partner has a personal telephone line within the Contact Center. Any questions can be resolved without visiting the branches of a financial institution. This is very convenient for business people who almost constantly lack free time. A professional financial advisor is provided in the person of an individual manager. He will provide irreplaceable assistance in the formation of a long-term investment strategy, find the most profitable and optimal directions for its implementation. The Sberbank Premier program, where interest on deposits is much higher than market rates, offers several more innovative banking products that only privileged customers have access to. These are "Deposit and mutual fund" and "Deposit, mutual fund and compulsory medical insurance".

Banking "cream" in one package

The Sberbank Premier service, which was discussed above, is in fact a complex of the best offers of the bank. A complex product, with a minimum expenditure of time and with a limited expenditure of energy, allows you to use your capital as efficiently as possible. Various areas of capital investment are more than just promising. In addition to traditional investment in a deposit, preferred clients have access to deposits in such highly profitable assets as precious metals and securities. The overwhelming majority of small investors, not only have never been interested in these areas, they have never even come across them.

Buying mutual funds: many advantages in one package

Consider mutual funds - one of the most profitable areas offered under the Sberbank Premier program. What is it, let's try to sort it out in order. The main value of the offer is that it allows you to personally experience all the advantages of stocks and bonds. Funds invested in are supervised by professional managers. The shareholder may not independently monitor the market situation, analyze it and not make decisions regarding the purchase and sale of securities. The ratio of the expected level of profit and profitability of the product will depend solely on which securities the assets are poured into: into stocks, into bonds, or into both assets at the same time. Bank "Premier Sberbank" offers to do all the main work for the investor. By collecting investments in one asset, experienced managers collect the most profitable and differentiated, economically stable portfolios.

OMC - offer only for the elite

Clients of the program can become owners of unallocated metal accounts or compulsory medical insurance, which are calculated in grams of metal. Profit from this type of deposits is derived from changes in the value of precious metals on the international market. This offer from Sberbank Premier receives only positive reviews, which has a definite connection with the advantages it offers. The main advantage of the program is the complete absence of VAT and difficulties with metal storage. The likelihood of theft and damage to property is completely excluded, since the grams of precious metal are virtual. All credit and settlement transactions for each of the accounts are very simple. The offer is indispensable for conservative investors who pay a lot of attention to risk allocation and invest in Sberbank products. A long-term Premier OMC deposit with gold is an excellent opportunity to increase your capital with virtually no risks. As for silver, platinum and palladium, such OMC are more suitable for investors with good work experience.

Dominant investment rules

Serving privileged clients at the highest level is not the only thing that Sberbank offers. The "Premier" contribution to the "Deposit + Mutual Fund" product is available to the VIP sector when investing from 100 thousand rubles. It is worth focusing on the fact that the size of the "Investment" deposit, which is included in the product structure, can be as much as 50%. The funds spent on the purchase of shares must either be equal to or exceed the amount of the deposit itself. Under the program "Deposit, mutual funds and compulsory medical insurance" the minimum investment amount should be equal to 150 thousand rubles. The amount of the “Portfolio” deposit should not exceed 33.3% of the funds on the account. In this case, the size of investments in shares or in compulsory medical insurance must either correspond to the volume of the deposit, or exceed it.

Interest rates, or the course for increased income

The Sberbank Premier service offers very attractive partnership terms. For example, the interest rates for the Investment and Portfolio programs are an order of magnitude higher than for standard deposits. Depending on the specifics of the product and the duration of investment in it, the percentage can vary from 7 to 12.5% \u200b\u200bin rubles. The account is credited in the event of an increase in the value of quotations for securities and precious metals. The ratio of risk and return can be easily regulated by purchasing a certain type of unallocated metals and shares from different mutual funds.

Premier Sberbank Bank (branch for privileged clients) provides for certain terms of partnership. Deposits are issued for a short period: 1 month and 1 day, 3 months and 1 day. All other rollover deposits are available under the "Save" program. When the terms of deposit programs expire, you can simply close them. A more profitable option is the expectation of an increase in the value of assets in the international market with the aim of their further sale at the highest possible value. Each complex product is accompanied by individual investment programs.

For financially independent people who want to emphasize their status and use privileged banking products, the Sberbank Premier service package was developed.

A special bank product for regular and serious clients

In February 2018, the bank launched an action to buy a coupon for registration of a bundled product for accumulated Thank you bonuses. The coupon allowed you to purchase a service package without a commission for 6 or 12 months. You can use the coupon for a purchase until June 30, 2018.

Clients who meet certain financial performance requirements can become a member of the program. They differ depending on the region of residence. For example, for the Moscow region they are as follows:

1. the total amount of funds invested in deposits - 1-8 million rubles;
2. the average monthly income on a salary card - from 150 thousand rubles. (for the last six months);
3. the size of mortgage loans for 3 years - from 6 million rubles;
4. average monthly payment on loans - from 50 thousand rubles.

In other regions, the financial threshold for joining the program will be lower. When moving to another region, there will be no additional requirements for current members.

Components of a comprehensive banking product

Connection to the package is free. Depending on the total balance of the program participant, the service may be provided free of charge or 2500 rubles per month may be charged.

Payment is made according to the following principles:

1. The first two months are free of charge.
2. In the third reporting period - payment of 2500 rubles is required when maintaining the balance on the last date of the month less than 2.5 million rubles. If the indicator is exceeded, use is free.
3. If the Sberbank Premier package is disabled within the first two months, no payment will be charged, regardless of the balance.
4. During subsequent interaction, in order not to pay a commission, it is enough to maintain a total balance of 2.5 million rubles or more for the remainder of the month.

As part of the package, the client receives the following privileges:

• design of cards with big bonuses;
• currency exchange at a favorable rate;
• line of deposits with higher rates;
• 20% discount when renting safe deposit boxes;
• Priority Pass card for free access to airport VIP lounges;
• travel insurance policy for the owner of the product and his family;
• medical services "Second medical opinion" and "Onco insurance";
• premium service with a personal manager, a dedicated service area and a separate support line;
• "Personal Consultant" service for free assistance in tax refund.

Cards with big bonuses at Sberbank Premier

More points are awarded for cards in the service package Thank you. This is much more profitable than privileged plastics in one or two categories.

Conditions for accumulating bonuses on premium cards

Accrual of Thank you occurs in the following amount:

• from partner companies of the bonus program - up to 20%;
• in the category "Gas station" and for trips to Gett and Yandex. Taxi - up to 10%;
• in the category “Cafe. Restaurants ”- 5%;
• from the value of the check for purchases in supermarkets - 1.5%;
• for other purchases - 0.5%.

Increased Thank you are credited under one condition - monthly spending on cards must exceed 80 thousand rubles.

In addition, the Visa payment system provides an additional system of discounts:

• for business class taxi rides with Wheely and Gett - 20%;
• for Avis car rental - 20%;
• for baggage packing PACK & FLY - 20%.

As part of the package, the client has the right to issue up to 5 main and additional cards (for 3 persons to the main account) of the Visa Platinum Premier or World MasterCard Black Edition Premier format. Whether a commission will be charged for its use depends on the amount of the balance on the card. In addition to the benefits included in the package, Visa Platinum Premier cards have “Extended Warranty” and “Purchase Protection” insurance programs.

Special conditions for debit and credit cards of Sberbank

Also, the client can open any credit cards of Sberbank of the Gold level: Master Card, Visa, Visa Give life and Aeroflot.

Personal manager for clients

When registering a package, the client receives a personal manager who will cooperate with him, advise and carry out any documentary registrations for the selected types of services. You can also contact Sberbank for free on the line for Premium customers.

The premium package includes a dedicated telephone line

If you need a personal visit to the office, a privileged client does not need to stand in line to an ordinary employee. It is served in special areas that allow for privacy. They are available in many branches.

VIP lounges at airports

As part of the Sberbank Premier service, the client increases the level of comfort during air travel by receiving a free Priority Pass card. The client, together with his family members, will be able to relax at the largest international airports in 120 countries, regardless of the cost of tickets. In the business lounges, travelers will be provided with cozy recreation areas, magazines, drinks, wi-fi.

Special Conditions of Service at World Airports for Priority Pass Cardholders

Also, special travel insurance programs and additional policies for the safety of the Visa card have been developed. The maximum health insurance coverage is up to USD 30,000 in Russia and USD 100,000 abroad.

Deposits and investments in the Sberbank Premier package

The package of services Premier also includes programs of deposits and loans on more interesting terms than for a wide range of clients. The minimum investment amount is 700 thousand rubles. or 50 thousand US dollars. Interest rates are higher than on deposits opened outside the package:

• Special Top up: 4.2 - 4.45% (in rubles) and 0.45 - 1.8% (in dollars). With the possibility of depositing any amounts during the validity period.
• Special Save: 4.3-4.9% (in rubles) and 0.2-2.0% (in dollars). There is no option for early withdrawals or partial replenishments to ensure maximum profitability.
• Special Control: 3.9 - 4.15% (in rubles) or 0.35 - 1.48% (in dollars). It is permissible to withdraw money up to the established limit and deposit any amount without loss of interest.

Opening deposits is possible through Sberbank Online or through your personal manager.

The program participant gets more opportunities for investment when using an automatic financial advisor. Thanks to him, you can not waste time studying the stock market. The technology will calculate the investment plan and automatically manage the money.

Depersonalized metal accounts (OMS)

As part of investing under the Premier program, it is permissible to open an impersonal account for the purchase of precious metals or purchase ready-made bars. For convenience, safes and safe deposit boxes are offered.

Safe rent is 20% cheaper under the Premier program

Personal manager of stocks and bonds

You can also use the services of a manager and portfolio manager for the selected option for investing in stocks and bonds:

• Low-risk: bonds, deposit, Smart Policy investment insurance program.
• Medium risk: supplemented by mixed investment mutual funds.
• High risk: the portfolio includes stocks that increase returns.

Alternatively, you can use a personal financial planning project. At the same time, a qualified manager will clarify goals and wishes regarding profitability, on the basis of which he will help to select the optimal portfolio and develop a management strategy.

Loans under the Sberbank Premier program

The product line of credit is offered under several programs, taking into account the intended purpose:

1. For any purpose: from 1 million rubles. at a rate of 11.9%.
2. For housing: from 8.7% for new buildings and from 9.1% for the purchase of an apartment, a house from the secondary market. There is a unique offer to take a home loan in Turkey.
3. Refinancing: allows you to transfer loans, credit card arrears to one bank under one program.

From June 9 to August 31, 2018, a promotion was launched to purchase housing in new buildings at an interest rate of 6.7%.

Unlike the offers for other Sberbank clients, the Premier service offers not only more loyal rates, but also accelerated processing and approval with a minimum of documents.

How to connect the program?

To select the types of services within Sberbank Premier, the client just needs to send his phone number on the company's website. He will be assigned a personal manager who will contact to clarify preferences and make an appointment for a personal conversation and concluding a contract.

Grace period of service - 2 months

After registration, the client is offered options for remote control of their resources through:

1. Sberbank Online;
2. Mobile app;
3. Mobile bank.

Client Manager Sberbank Premier (video)

Video review of the features of serving premium customers - an increased level of communication quality.

Conclusion

The Sberbank Premier service package allows you to move to a new comfortable level of interaction with a banking institution. Clients receive favorable offers from a credit institution and personal banking services.

The Sberbank Premier product is a VIP service package designed for wealthy clients. Its use allows you to emphasize your position in society and get a set of certain privileges.

Sberbank Premier service package and its features

The terms of the Sberbank Premier package of services allow the issuance of up to five plastic cards. The monthly service cost depends on the amount of funds in the account and the time from the date of connection.

Today the tariffication is as follows:

• the first two months of use are free;
• from the third month, a fee of 2500 rubles per month will be charged if the balance on the card is less than 2.5 million rubles.

If you disable the package during the demo period, you will not be charged for use.

It becomes possible to open bank cards "Aeroflot" and "Give Life". Using these Gold cards, you can accumulate bonuses and participate in charity events.

Personal manager for service users

Registration of Sberbank Premier - a VIP-package of services implies the help of a personal consultant and assistant. Additionally, there is the possibility of calling a dedicated telephone line intended for Premium customers.

If it becomes necessary to visit a bank branch, there are specially prepared zones. This allows you to preserve the confidentiality of the conversation and guarantee a comfortable environment during the consultation.

Providing a VIP lounge at the airport

With a Premier bank card, you can visit special service lounges at airports. Sberbank Premier allows you to spend time in a calm and comfortable environment before boarding a flight. Each VIP-client is provided with upholstered furniture, food and drinks, hot showers. As well as entertainment, including watching television and reading the press. However, not all airlines cooperate with Sberbank, so it is recommended that you familiarize yourself with the list of partners on the official website.

Available types of deposits and investment programs in the Premier package

Sberbank Premier - VIP-package of services has several deposit programs that allow you to increase your money savings. You can use such programs if you have at least 1 million rubles on your account. There are the following suggestions:

Depersonalized metal accounts (OMS)

Having issued Sberbank Premier (VIP service package), it is easy to open an impersonal metal account. It is also possible to buy ready-made bars and store them in safe deposit boxes.

Assistance in managing stocks and bonds

If you plan to invest money in stocks or bonds, it is allowed to use the help of a manager. There are several investment options with high, medium and low risk. If necessary, the manager will help you make the right choice.

Bonuses provided to the Sberbank Premier program

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How do you start connecting services?

It is recommended to visit the bank's website and fill out a special form. The employee will call back and find out the intended use, make an appointment to conclude a contract. The signing of the necessary documents is carried out in less than an hour.

After connecting the service package, you can manage it using the official website, mobile application and SMS commands (Mobile Bank).
Thus, Sberbank Premier - VIP service package is unique, providing personalized service and other privileges. It allows you to get the help of a personal manager, the ability to visit VIP-lounges at airports and loyal rates on loans.