Sberbank is the first. Sberbank VIP cards: MasterCard and Visa Gold, Platinum, Premier tariff plan
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.
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
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 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 unallocated 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
.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 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 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.
If you have received the status of Sberbank Premium client, then you need to explore the new features of the tariff, because privileged clients of the bank enjoy special terms of service and additional bonuses. Sberbank Premium client what it is and what privileges you will receive, we will learn from this article.
What does Premium Client mean?
The special status is reinforced by the Sberbank Premier service package, which includes:
- individual service by a personal manager;
- separate service areas in branches;
- round-the-clock dedicated telephone line for information consultations;
- individual development of a financial plan.
Privileges for Premium Clients
By becoming a Premium client at Sberbank, you not only receive a special status and additional services, but you can also take advantage of special privileges.
For Sberbank Premier clients, the Investment Life Insurance service is available. By using the service, you receive two guarantees of income payments. One component of the contribution is placed in the underlying assets, and you receive dividends as investment income. The second part of the investment is made in risk-free enterprises, with a small but stable income.
Sberbank of Russia guarantees the return of funds even if the value of the underlying asset decreases, due to the obligations of insurance companies.
Impersonal metal accounts
A Sberbank Premier client has the privilege to use the Impersonal Metal Account service. This means that you buy virtual bullion from precious metals and make a profit on the rise or fall of the price.
You have the right to instantly sell, buy or exchange one metal for another. It is not necessary to carry precious ingots in your pockets.
In addition, you can issue a gold account for a child. Buying gold for 30,000 rubles a month, you provide a child with a gift of 2,000,000 rubles by the age of 12.
Sberbank does not trade virtual precious metals. At any time, you will receive an adequate ingot with the amount paid for it.Deposits
Sberbank of Russia regularly holds promotions like Happy Year. The participant is offered dividends on deposits in rubles - 10% or 3.1% per annum in US dollars. These are the highest and most stable deposit rates in Russia.
Sberbank of Russia, the largest bank in Europe with a positive financial trend for decades.
Earnings in the stock market
Before you start trading in Sberbank securities, it is advisable to think about why they were bought and use them correctly.
Only numbers should remain in your head:
- oil prices;
- Ruble's exchange rate;
- value of corporate bonds;
- refinancing discount rate.
Count your own money, think about where to invest it or withdraw it and go to Las Vegas with cash. A few hours of flight separate the illusion of wealth from financial ruin.
Service departments
Useful concierge service. Using the Premium status, you have the right to set a task for a bank employee to book train or plane tickets for you. The bank manager will think over the travel itinerary, arrange insurance and book a hotel room. You don't have to worry about anything, just declare your own desires.
While on a business trip, waiting for a connection between flights, remember that you are a member of the Priority Pass program and have the right to relax in business lounges. Free showers, coffee or tea scones, newspaper and TV news, what else do you need? To relax before the next flight.
is a package of services designed for wealthy clients from the retail business segment. Its user receives a lot of advantages compared to other individuals. At the same time, one should not forget that an individual approach is more expensive and not everyone can afford it.
The differentiation of customers into categories is practiced among absolutely all banks. And it is logical that people who can bring more profit to a financial institution require a completely different approach and attitude.
Clients with an average income - a package of premium services from Sberbank is designed for them.
Premier package from Sberbank
Obviously, people who can afford expensive services will want to get the most out of the banking and not-so-banking services that Sberbank has. They will demand not only the best financial products on individual terms, but also a special approach to themselves.
Therefore, in order to satisfy the desires of high-income customers and prevent them from going to competitors, Sberbank included a variety of services in the package.
VTB has a similar package of premium banking services -. The cost of maintenance per month is the same - 2.5 thousand rubles.
Premium cards
Free issuance of up to 5 payment cards of premium class Visa Platinum Premier and World MasterCard Black Edition Premier to a client or his relatives.
Increased bonuses Thank you
The holder of the highest class payment card gets more for non-cash payments:
- 10% for paying at gas stations or for trips to Yandex.Taxi or Gett;
- 5% for paying for cafe or restaurant services,
- 1.5% for payments for goods and services in retail chains,
- 0.5% for payment of other expenses.
But at the same time, it should be noted that increased bonuses are accrued provided that not less than 80 thousand rubles.
Recently, the bank began to issue separately from the Sberbank Premier package. It also allows you to get elevated thanks.
Deposits at higher interest rates
But at the same time, it is worth considering that the minimum contribution amount is from 1 million rubles / 50 thousand euros or dollars.
The difference in the maximum rates between the standard and individual conditions for deposits in rubles is:
- "Save" - 0.34 p.p.,
- "Replenish" - 0.2 p.p.,
- "Manage" - 0.2 p.p.
Even up to 0.5 p.p. doesn't fit anywhere.
Travel insurance for the client and his relatives.
The insurance covers the cardholder and his family members: spouse and children. Insurance coverage outside Russia is 100 thousand dollars, at home - 30 thousand dollars. This insurance can be used to obtain a visa.
Today, in parallel with the information function of the Internet, a relatively young service - Internet payments - is developing dynamically. The Sberbank Internet service - the Sberbank-Online system has been operating for three years and is distinguished by rich functionality.
The main functions of Sberbank-Online:
- Control of balances and cash flow on client accounts, viewing a detailed history of operations, generating account statements.
- Transfers, as well as accounts of other clients of Sberbank and other commercial banks.
- Fast payment for any cell phones without commission.
- Payment for housing and communal services, communications, the Internet, kindergartens and other periodic payments from bank card accounts on favorable terms.
- Opening / closing deposits with an increased interest rate compared to similar deposits opened through Sberbank's cash desks.
- Management of Mobile Bank service templates, control of bonuses under the Thank You! etc.
With the help of the Personal Finance Analysis function, all income and expenses on the client's accounts, grouped by item, are displayed in the form of a color chart. And it immediately becomes clear how much in total and in percentage was spent on purchases, vacations, savings or other purposes, as well as where and on what you can save next time. Function "Setting goals" with a visual visualization of their achievement.
Everyone has their own dreams, plans, holidays and anniversaries. Usually they prepare for them and set aside money “in a jar”. IN "Sberbank Online" you can create as many "pods" as the user needs. At the same time, each is assigned a special picture with a name that reflects the purpose of accumulation. For example, it can be “Car”, “Real Estate”, Rest”, “Holiday”, etc. By accumulating funds on these accounts, the user can always estimate how much is left before reaching the cherished goal.
How to become a Sberbank Online user:
A special connection to Sberbank-Online is not required. To access the Internet service, you must have a Sberbank of Russia card, as well as a user ID and a permanent password, which can be obtained:
- through Sberbank self-service devices using a bank card;
- via a mobile phone, if the Mobile Banking service is activated.
To receive a password, send an SMS to 900 (or +7 926 2000 900, +7 916 572 3900):
Parol N…N(where N…N are the last 5 digits of your card number).
If you want with Sberbank Online services not only make payments, but also perform other banking operations, for example, open deposits on your own, then you will need to conclude a Universal Banking Agreement. You can apply for it at the bank office.
Login to Internet banking is carried out from the official website of Sberbank, orange page "Sberbank Online". For owners of mobile devices iPhone, iPad, Windows Phone, Android, special applications have been developed that can be downloaded for free in the relevant online stores.
It's no secret that Sberbank is the largest Russian bank, with the largest number of clients. And all why? Sberbank takes care of each of its clients, whether it is a simple pensioner receiving a pension on a Sberbank card, or a VIP client operating with large amounts. The bank annually offers many programs for different segments of the population, and in 2017 the Sberbank Premier program for special clients is also in operation.
It's no secret that Sberbank is the largest Russian bank, with the largest number of clients. And all why? Sberbank takes care of each of its clients, whether it is a simple pensioner receiving a pension on a Sberbank card, or VIP - A client who operates with large amounts. The bank annually offers many programs for different segments of the population, and in 2017 the Sberbank Premier program for special clients is also in operation.
Sberbank Premier is a comprehensive package of services that includes loans, deposits, cards and service conditions for a special category of wealthy clients. This product allows you to significantly save time and get the most comfortable service. Who would like this option?
Citizens who have impressive account balances that do not decrease, constantly receive large incomes, use a credit line in the amount of 20 million rubles.
This package of services includes many convenient offers for customers. It is worth noting that separately, such conditions are offered by various banks, but only Sberbank offers the entire set in the complex, which makes this product truly unique.
How to become a VIP client?
The use of a unique package of services is opened to you if several conditions are met. It is necessary to apply for using it, agree to all the conditions of the bank that are attached to the package and comply with these conditions, as well as maintain the status of a VIP client throughout the entire period of using the program. It is worth noting that in this case the use of the Premier program is absolutely free.
Terms of participation in the program
Massive account balance
To be an active VIP of Sberbank, you must have an unreduced amount of at least 2.5 million rubles on one or more accounts with this bank. And it doesn't matter what currency. The type of account can also be anything: just a current account, a balance on a debit card, a deposit or a deposit.
If you have already become a prime client, but during the program your account balance has decreased and fell below 2.5 million, then you will be billed in the amount of 2500 rubles per month.
After you apply to become a member of the "premiers", you are sort of checked for three months. Or rather, they look at your accounts - whether the amounts on them are decreasing. If during these three months the amount has fallen below 2.5 million, then you will have to pay the membership fee for 3 months at once, that is, 7.5 thousand rubles. Despite this, your membership in the “club of the elite” may not be extended further, and even if you refuse it yourself.
Getting a salary on a bank card
The second, and probably the easiest way to get into the list of privileged clients is to receive a salary on a Sberbank card. It is not difficult to achieve this, almost half of the country's population receives a salary on such cards. However, there is a caveat, your salary from the employer must exceed 180 thousand rubles a month. Moreover, if you have several employers, then all income is not summed up, but the main one is selected. And only judging by it, the salary should be at least 180 thousand rubles.
For Moscow, a salary of 180 thousand among top management is not at all uncommon. The disadvantage of this method is only dependence on the employer. If he decides to officially pay you less than 180 thousand or decides to switch to cards of another bank altogether, you will automatically “drop out” from the list of Sberbank VIP clients. In this case, you will have to use other methods to get there again.
VIP Borrowers
To become a borrower for a very large amount, even at Sberbank, you need to work hard and prove your ability to pay in full. However, among non-poor people, it is customary to save on large purchases. It is not uncommon that wealthy people also take apartments on a mortgage, just the cost of these apartments is somewhat different. So, loans for 20 or more million rubles can be just mortgage loans for decent housing in the center.
Such borrowers can take full advantage of all the services of the "premier league" and feel like privileged customers, despite the fact that they owe the bank. The main thing is to be a conscientious payer, to avoid delays.
The status of "premier" does not affect the current mortgage in any way, since it is issued before joining the program. But if such a client wants to take another loan in parallel, then it will be approved. Moreover, the conditions for the new loan will no longer be for ordinary people, but also for "premiers", that is, much more convenient and loyal, and the rates are lower.
By the way, the interest on deposits and deposits for such clients is also much higher. If there is a large amount that you do not want to spend on early repayment of the mortgage, then you can put it on a deposit at the same time as paying off the loan. You can invest in mutual funds or precious metals, also on special conditions.
There are only three ways to get into the “VIP company”, but there are many more reasons to do it. In addition to high interest rates on deposits and low interest rates on loans, personal financial services and numerous benefits are offered wherever you may be.
Additional benefits of "Premiers"
We will serve you personally
This type of service includes the absence of queues at bank branches. That is, you come to the bank with any task and they help you immediately, regardless of how many people there are in the queue. And if necessary, they provide a separate room for your banking operations. In addition, you will have a personal consultant, whom you can call on any issue related to the movement of money at any time of the day from anywhere in the world. You can even choose the type of communication that is most convenient for you: phone, email or skype.
Each "expensive" client is issued a personal Sberbank Premier card with a unique six-digit code. It is enough to call the call center of Sberbank and report this code, as all your questions and problems will be resolved.
Personal concierge
A very convenient service for those who travel frequently or make many business trips around the world. The so-called "concierge" issued to you by the bank will help you book a hotel room, a plane ticket, rent a car or even a yacht. Lounges at the airport will be available only to VIPs, even if you have purchased an economy class ticket.
Special bank cards
Along with the new status, you will also receive new cards from the VISA Platinum or Master Card Black Edition series, that is, the most maximum in terms of the package of included services. Together with the cards, you will have access to a credit limit of 600 thousand rubles, which you can use at any time using the same card.
But, and that's not all - the cards are provided with several insurance programs at once: life, health and property, travel insurance around the world up to 100,000 euros, insured risks against card loss in the amount of up to 5,000 euros, insurance to protect goods from their $1,000-$1,500 worth of damage, breakage, or loss.
The "Purchase Protection" program allows you to insure the purchased goods against loss or theft for 90 days from the date of purchase. The main thing is to pay for the purchase with a personal card, for example, Visa Platinum Premier. By the way, the amount of insurance comes to 20,000 dollars. And the program "Extended Warranty" for the same purchases, increases the warranty from the manufacturer by 2 times.
Each type of insurance has its own “hot line” so that you can promptly report an insured event.
Help in business
Since most often this program is used by businessmen, special services are also provided for them. This gives program participants access to preferential exchange rates and precious metals, no restrictions on their exchange, purchase or sale. You will have access to special auctions for buying and selling mutual funds and securities, as well as free financial planning services. In general, "heavenly" conditions for trading. By becoming a member of the program, you will open many more various discounts and benefits that are not available to "mere mortals". For example, renting a safe deposit box will cost you 20% less than everyone else.
It should be noted that easing of requirements for joining the Sberbank Premier program is not expected in the near future. Therefore, to acquire and maintain such a status today is not available to many. This is the desired value of the service package - access to what is not available to others.