Sberbank of Russia offers its customers a service such 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 a high level of service and comprehensive confidentiality during negotiations, service in any branch out of turn and the help of a personal manager in selecting the 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 persons completely free of charge. In order to get into the list of privileged customers, 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.
- Belonging to salary clients, with receiving wages on a 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 proposed. Connection to the service is carried out by telephone. Clients with an accumulated deposit of 8 million rubles or a loan outstanding 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 is it, will allow you to see a wide list of offers within the service. It is worth mentioning attractive deposit rates:
- Premier Save up to 11.34% in rubles.
- “Special Replenish” from 11.02% to 11.67% in rubles.
- “Special Manage” from 10.31% to 11.20% in rubles.
Customers can apply for premium plastic cards Visa Platinum and World MasterCard Black Edition. VIP clients get a unique opportunity to invest in mutual funds and precious metals.
Premier: the best offer for wealthy clients
The Sberbank Premier program, the interest on deposits within which is very attractive, was designed to satisfy all the needs of wealthy customers. People with large capital in their hands now have the opportunity to invest their money in high-yield programs with high reliability indicators and with minimal risks. Sberbank Premier customers are privileged investors who work individually.
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 services to a higher level.
Why do you need Premier service?
The Sberbank Premier service, which is extremely positive about employees, is aimed at people who have large personal capital at their disposal. It's no secret that the greater 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 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 lack free time. An individual manager is provided with a professional financial consultant. He will render indispensable assistance in the formation of a long-term investment strategy, find the most profitable and optimal directions for its implementation. The Sberbank Premier program, the interest on deposits within which is an order of magnitude higher than market, offers several more innovative banking products that only privileged customers can access. These are “Deposit and mutual funds” and “Deposit, mutual funds and mandatory medical insurance”.
"Cream" of banking services in one package
The Sberbank Premier service, what it was discussed above, is essentially a set of the bank’s best offers. A complex product, with minimal time and with a limited waste of effort, allows you to manage your capital as efficiently as possible. A variety of areas of capital investment are more than just promising. In addition to traditional investment in a deposit, privileged clients have access to deposits in highly profitable assets such as precious metals and securities. The overwhelming majority of small investors have not only never been interested in these areas, they have never even encountered 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, try to parse in order. The main value of the proposal is that it allows you to personally experience all the advantages of stocks and bonds. Funds invested in mutual funds are supervised by professional managers. The unit holder may not independently monitor the situation on the market, may not analyze it, and may 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 what securities are poured into assets: in stocks, bonds or both assets simultaneously. Premier Sberbank offers to do all the basic work for the investor. Thanks to the collection of investments in one asset, experienced managers collect the most profitable and differentiated, economically stable portfolios.
Compulsory medical insurance - offer only to the elite
Clients of the program can become owners of depersonalized 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 in the international market. This offer from Sberbank Premier receives only positive reviews, which has a certain connection with the advantages that 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 the precious metal are virtual. All incoming and settlement operations for each of the accounts are carried out very simply. The offer is indispensable for conservative investors who pay quite a lot of attention to risk sharing and invest in Sberbank products. A Premier deposit in the compulsory medical insurance format with gold made for a long time is a great opportunity to increase your capital with almost no risk. As for silver, platinum and palladium, such MHIs are more suitable for investors with good experience.
Dominant Investment Rules
Serving privileged customers at the highest level is not the only thing that Sberbank offers. The Premier contribution to the Deposit + Mutual Investment 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 all 50%. Funds spent on the acquisition of shares must either be equated or exceed the size of the deposit itself. Under the program “Deposit, mutual funds and compulsory medical insurance”, the minimum amount of investment 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 units or in CHI must either correspond to the volume of the deposit or exceed it.
Interest Rates, or Rate of Increased Income
The Sberbank Premier service offers partnership conditions that are very attractive. For example, 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 investing in it, the percentage can vary from 7 to 12.5% in rubles. Charging to the account is carried out in case of increase in the value of quotations for securities and precious metals. The ratio of risk and profitability can easily be regulated by the acquisition of a certain type of depersonalized metals and shares from different mutual funds.
Premier Sberbank Bank (branch for privileged customers) provides for certain partnership conditions. Deposits are drawn up for a short term: 1 month and 1 day, 3 months and 1 day. All other deposit prolongations are available under the “Save” program. When the term of deposit programs expires, they can simply be closed. A more profitable option is the expectation of an increase in the value of assets in the international market with a view to their further sale at the highest possible value. Each complex product is accompanied by individual investment programs.