How to become a prime minister in Sberbank. Sberbank Premier: reviews who agreed to this proposal. OMS - an offer only for the elite

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

Contributions to Mutual Investment Funds (UIFs)

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

The minimum amount for investment is from 15,000 rubles.

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

Investment insurance SmartPlus

For investment, another interesting program is offered - 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 case 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. Money is invested for high returns. 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 want to accumulate 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 benefits 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 when conditions are met within 30 days.

Insurance conditions

• You determine the retention period of funds, the size and total amount of contributions and savings.
• You make your first deposit.
• 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 like to learn everything new, interesting and unusual. And also - wrap yourself in a warm blanket, take hot cocoa and tell you about the latest in the financial market, hot stories from the offices of bank consultants and other interesting things.

Sberbank offers the Sberbank Premier service package for regular customers. Service is carried out in a special manner 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 counseling, 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 program for clients are as follows:

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

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

Benefits of Sberbank Premier

The program provides additional services for comparison with ordinary users:

1. Individual consultation without queues and long waiting.
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. Beneficial products: deposits with a higher rate, attractive lending conditions, the ability to connect several Sberbank VIP cards.
6. Participation in promotions and bonus programs of Sberbank, preferential money transfers.

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

Profitable offers in the program

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

Free issuance of Visa Platinum and MasterCard bank cards is provided. The use of cards opens up a number of additional possibilities:

1. Insurance service against loss, theft of a card, theft of funds. Up to $2,000 is reimbursed.
2. Insurance for trips abroad against loss of luggage, reimbursement of expenses in case of flight cancellations. Insurance is available for the whole family. The amount of payments reaches 100,000 dollars.
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. Premier Concierge Service. A hotline has been opened to help organize recreation. Managers will help to book a hotel, rent a car, provide information about events, currency exchange methods and any other information of interest to the client. Phones: 8-800-700-22-55 - for customers 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 get the opportunity to spend time waiting for a flight in a comfortable waiting room. To use the service, you need to get a Prioriti Pass card.

Why do you need services under the Sberbank Premier program

Service within the framework of 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. Program participants travel comfortably and are insured against unpleasant incidents on the road. Discounts are provided for purchases by kat in many federal retail chains.

Holders of large amounts benefit from deposits at higher interest rates. It is possible to take a profitable loan for vacation, purchase of large things at an acceptable percentage.

Interest rates in the program

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

1. "Special Save". The rate is from 7.7 to 10.16% per annum. Deposit term 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 Refill". Deposit interest up to 9.45 per annum. Deposit term up to 36 months. The minimum amount is 1 million rubles. Opportunity to replenish the deposit and monthly withdrawal of interest.
3. "Special Manage". Interest on the deposit 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 balance on the deposit. 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 credit 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. Investments are saved for 5 years. Dividends from securities and high-yield funds are accrued on the investment amount.

Cumulative insurance allows you to create a budget for certain purposes, such as paying for the education of children or buying real estate. The program saves money. The sum insured cannot be withdrawn or divided upon divorce.

Premier Visa and MasterCard cardholders are included in the travel insurance program. The insurance applies to all family members and is accepted by embassies when applying for visas. The funds on the cards are also insured. Insurance is issued by Sberbank Insurance.

Preferential exchange rates from Sberbank Premier

Especially for participants in the Sberbank Premier program, the purchase and sale of foreign currency is carried out at a preferential rate. The exchange rate can be found through hotline or with a personal manager or on the site

It is worth noting that when making transactions, the exchange 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 cost of selling a currency can be tracked on the charts.

Program cost

You can use Sberbank Premier products free of charge for 2 months. If the client has an 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 subscription fee of 2500 rubles is debited monthly. If the client decides to disable the program during the grace period, the amount of 2,500 rubles will be debited in any case: the grace period plus the month of application consideration.

How to connect the program?

An application for connecting Sberbank Premier can be left via the link directly on the website.

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

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

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

The Sberbank Premier program, whose customer reviews are extremely positive, is provided to a certain category of people completely free of charge. In order to be included in the list of privileged clients, you must meet one of the prerequisites:

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

Requirements may be adjusted depending on the region where this format of cooperation is offered. Connection to the service is carried out by telephone. Clients with an accumulated deposit of 8 million rubles or a balance of debt on loans of more than 20 million rubles can apply for VIP service.

Unique and profitable 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 deposit rates:

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

Clients have access to 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, with very attractive interest rates, was designed to meet all the needs of wealthy clients. People who have large capitals in their hands now have the opportunity to invest their funds in high-yield 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. The classification of all clients of the financial institution into groups allowed us to move the service to a higher level.

Why do you need Premier Services?

The Sberbank Premier service, the feedback from employees about which is extremely positive, is aimed at people who have large personal capital at their disposal. It's no secret that the larger the amount of savings, the more professional management they require. The best experts of Sberbank of Russia offer effective solutions in terms of managing personal finances. Each VIP partner has access to a personal telephone line within the Contact Center. Any issues can be resolved without visiting the branches of a financial institution. This is very convenient for business people who almost always do not have enough free time. A professional financial consultant is provided in the person of an individual manager. He will provide indispensable assistance in the formation of a long-term investment strategy, will find the most profitable and optimal directions for its implementation. The Sberbank Premier program, within which the interest on deposits is an order of magnitude higher than the market, offers several more innovative banking products, access to which only privileged clients have. These are “Deposit and Mutual Fund” and “Deposit, Mutual Fund and OMS”.

The "cream" of banking services in one package

The Sberbank Premier service, which was discussed above, is essentially a set of the best offers of the bank. A complex product, with minimal time and limited effort, allows you to manage your capital as efficiently as possible. A variety of areas for investing capital are more than just promising. In addition to the traditional investment in a deposit, privileged clients have access to deposits in such highly profitable assets as precious metals and securities. The vast 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 unit holder may not independently monitor the market situation, analyze it and make decisions regarding the purchase and sale of securities. The ratio of the expected level of profit and the profitability of the product will depend solely on which securities the assets are poured into: stocks, bonds, or both assets at the same time. Premier Sberbank offers to do all the main work for the investor. Thanks to the collection of investments in one asset, experienced managers collect the most profitable and differentiated, economically stable portfolios.

OMS - an offer only for the elite

Clients of the program can become owners of unallocated metal accounts or CHI, 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 certain connection with the benefits it offers. The main advantage of the program is the complete absence of VAT and difficulties with metal storage. The probability of theft and damage to property is completely excluded, since the grams of the precious metal are virtual. All credit and settlement operations for each of the accounts are carried out very simply. The offer is indispensable for conservative investors who pay sufficient attention to the distribution of risks and invest in the products of Sberbank. The "Premier" deposit in the OMS format with gold, made for a long time, is a great opportunity to increase your capital with almost no risks. For silver, platinum and palladium, these MLAs are more suitable for investors with a good track record.

Dominant investment rules

Servicing 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 with an investment of 100,000 rubles or more. It is worth emphasizing that the size of the "Investment" deposit, which is included in the product structure, can be as high as 50%. Funds spent on the purchase of units must either equal or exceed the size of the deposit itself. Under the program "Deposit, Mutual Investment Fund and Compulsory Medical Insurance", the minimum investment amount should be equal to 150 thousand rubles. The size of the "Portfolio" deposit should not exceed 33.3% of the funds on the account. At the same time, 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 Course for increased income

The Sberbank Premier service offers very attractive partnership conditions. For example, interest rates under the Investment and Portfolio programs are an order of magnitude higher than those 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% ​​in rubles. Accrual to the account is carried out in case of an increase in the cost of quotations by securities and precious metals. The ratio of risk and profitability can be easily adjusted by acquiring a certain type of impersonal metals and shares from different mutual funds.

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

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

A special product of the bank for regular and serious customers

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

Clients who meet certain eligibility requirements are eligible to join the program. financial indicators. They differ depending on where you live. 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 amount of receipts on the salary card - from 150 thousand rubles. (for the last six months);
3. the amount 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 existing participants.

Components of a complex banking product

Joining the package is free. Depending on the total balance of the program participant, the service may be provided free of charge or charged 2,500 rubles per month.

Payment is made according to the following principles:

1. The first two months are free of charge.
2. In the third reporting period, a payment of 2,500 rubles is required while maintaining a balance of less than 2.5 million rubles as of the last date of the month. If the indicator is exceeded - use is free.
3. If the Sberbank Premier package is turned off within the first two months, no payment will be charged, regardless of the balance.
4. With subsequent interaction, in order not to pay a commission, it is enough for the rest of the month to maintain a total balance of 2.5 million rubles or more.

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

• registration of cards with big bonuses;
• currency exchange at a favorable rate;
• a 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 product owner and his family;
• medical services “Second Medical Opinion” and “Cancer Insurance”;
• premium service with a personal manager, a dedicated service area and a separate support line;
• service "Personal consultant" to provide free help in tax refunds.

Cards with big bonuses in Sberbank Premier

The cards in the service package earn more points. Thank you. This is much more profitable than plastics with privileges in one or two categories.

Conditions for accumulating bonuses on premium cards

Thank you accrual occurs in the following amount:

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

Increased Thanks are accrued on 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 PACK&FLY baggage packing – 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 format Visa Platinum Premier or World MasterCard Black Edition Premier. The value of the balance on the card determines whether a commission will be charged for its use. In addition to the benefits included in the package, Visa Platinum Premier cards have the Extended Warranty and Purchase Protection insurance programs.

Special conditions on debit and credit cards of Sberbank

Also, any credit cards of Sberbank of the Gold level are available for opening to the client: Master Card, Visa, Visa Podari Zhizn and Aeroflot.

Personal manager for clients

When making a package, the client receives a personal manager who will cooperate with him, advise and fulfill any documentation for selected 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 with an ordinary employee. It is serviced in special zones that allow privacy. They are available in many departments.

VIP lounges at airports

As part of the Sberbank Premier service, the client increases the level of comfort during air travel by receiving free map Priority Pass. 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 seating areas, magazines, drinks, wi-fi.

Conditions for special service at airports around the world for Priority Pass cardholders

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

Deposits and investments in the Sberbank Premier package

The Premier package also includes deposit and loan programs 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 for deposits opened outside the package:

• Special Replenish: 4.2 - 4.45% (in rubles) and 0.45 - 1.8% (in dollars). With the possibility of depositing any amount during the validity period.
• Special Keep: 4.3-4.9% (in rubles) and 0.2-2.0% (in dollars). There is no option for early withdrawals or partial deposits to ensure maximum returns.
• Special Manage: 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.

Deposits can be opened through Sberbank Online or through your personal manager.

A 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.

Impersonal 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 ingots. For convenience of storage safes and bank boxes are offered.

Rental of safes is 20% cheaper under the Premier program

Personal manager of shares and bonds

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

• With low risks: bonds, deposit, Smart Policy investment insurance program.
• With medium risks: supplemented mutual funds mixed investments.
• High-risk: The portfolio includes stocks that increase returns.

In addition, you can use the project of personal financial planning. At the same time, a qualified manager will clarify the 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 credit line of products 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 debts to one bank under one program.

From June 9 to August 31, 2018, a promotion was launched for the purchase of housing in new buildings at interest rate 6,7%.

Unlike offers for other Sberbank clients, the Premier service offers not only more loyal rates, but also accelerated processing and approval of 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 conclusion of an agreement.

Grace period of service - 2 months

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

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

Sberbank Premier Client Manager (video)

Video overview of premium customer service features - elevated level communication quality.

Conclusion

The Sberbank Premier service package allows you to move to a new comfortable level of interaction with a banking institution. Customers receive great deals from credit organization and personal banking.

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

Sberbank Premier service package and its features

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

The current rates are as follows:

• the first two months of use are free;
• from the third month, a fee of 2,500 rubles per month begins to 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 the use.

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

Personal manager for service users

Registration of Sberbank Premier - VIP service package involves the help of a personal consultant and assistant. Additionally, it is possible to contact a dedicated telephone line intended for Premium-level customers.

If you need to visit a bank branch, there are specially prepared areas. This allows you to maintain the confidentiality of the conversation and guarantee comfortable conditions during the consultation.

Provision of a VIP lounge at the airport

Possessing bank card Premier, 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 cushioned furniture, food and drinks, hot shower. 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 service package has several deposit programs that allow you to increase your cash savings. You can take advantage of such programs if you have at least 1 million rubles in your account. There are the following suggestions:

Impersonal metal accounts (OMS)

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

Assistance in managing stocks and bonds

If you plan to invest in stocks or bonds, you can 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 a choice.

Bonuses provided to the Sberbank Premier program

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How do you get started 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 nature of the use, make an appointment in person to conclude an agreement. Signing required documents done 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 individual service and other privileges. It allows you to get the help of a personal manager, the opportunity to visit airport VIP lounges and loyal interest rates on loans.