Sberbank constantly pleases its customers with the release of new services. Each has its own advantages, because it allows you to solve specific problems. One of them is the Piggy Bank service at Sberbank. What is it will be described in the article. It is necessary to protect against credit costs and to make large purchases. The service has features of connection, disconnection and rules of use.
Essence
Many people are actively using the Piggy Bank service in Sberbank. What it is? This is a virtual contribution. To accumulate money, you do not need to visit a bank branch. Using the service, you can accumulate personal funds, but without increasing them. Customers can not worry about the safety of money, as they are under reliable protection.
Conditions
The service is ideal for those who cannot make savings. Deductions will be almost imperceptible, and a large amount can accumulate over the year. Sberbank's Piggy Bank conditions are very good.
The option is connected to different cards of the bank, you need a card account or deposit account, as well as activation.
Connection is carried out only with a debit card, with a credit card it will not work.
The procedures for debiting between accounts, return operations are not taken into account.
You can disable the service at any time or change the settings (you just need to familiarize yourself with how to disable Sberbank's Piggy Bank). Everything is simple and transparent.
Sberbank's Piggy Bank terms are quite acceptable. The service provides customers with effective asset management. If it is not needed, you can stop using it at any time. You just need to familiarize yourself with how to disable the “Piggy Bank” in “Sberbank Online”. A personal account will be a convenient option for performing this procedure.
Types of piggy banks
Before you learn how to use Sberbank's Piggy Bank, you need to familiarize yourself with its types:
- Transfer a specific amount. The client determines the size and date of the transfer of money. For example, a salary arrives every month on the 27th. The client can set the date of write-off in the "Piggy Bank" 28th. It turns out that every month a certain amount will be transferred.
- Transfers to the account from crediting. This type of service is ideal for those customers who receive funds to the card account. With each incoming transaction, funds will be deposited into the savings account. Not a fixed amount will be set, but interest. Piggy bank "Sberbank" in this case will allow you to postpone a large amount. For example, if 10,000 rubles are credited to the card, then at 20% 2,000 rubles will be transferred.
- Transfers from expenses. Card transfers are made from expenditure transactions. If 10% is set, then at a cost of 1,000 rubles, 100 rubles will be transferred.
Each client can choose an acceptable option for the service. How to connect and how to disconnect the “Piggy Bank” of Sberbank - does not depend on the type of service.
Connection
It is necessary to know not only how to disable Sberbank's Piggy Bank, but also how to connect it. This procedure is very simple. You must visit the Sberbank Online website and select a card to which the service will connect. Entrance to the office is done through a password and login.
You need to find the "Connecting piggy bank" section. A window will open to fill in the details where you need to enter the data. Then they should be checked and confirmed. If you need to connect to a deposit account, then with filling in the details you need to select this account.
After the agreed operations, the money will be transferred to the account in the prescribed amount. For example, 10% is approved. This means that with any credits to the card, this amount will be transferred to the Piggy Bank. The connection is quite simple. Like the mechanism of action. Now you have received the answer to the question of how to use Sberbank's Piggy Bank. The service allows you to accumulate funds, as well as control the turnover on the account thanks to SMS-informing. How to disable the “Piggy Bank" of Sberbank may be of interest if you do not want to use the service.
Shutdown
How to disable the "Piggy Bank" in "Sberbank Online"? Here's how to perform this operation step by step:
- Go to the Sberbank Online service.
- Select the “Deposits and Accounts” section, and then find the account to which the service is attached.
- In the "Operations" section, in the open window, click "Disable".
- Confirm the action.
This is the answer to the question of how to turn off the Piggy Bank in Sberbank Online. The request will be sent to the bank, after which the client will not be able to use the service. Still how to disconnect "Moneybox"? Sberbank Online’s personal account may not be used, as this procedure is also carried out by employees. You need to contact the office, taking your passport.
Service Features
The service has features:
- No need to pay for it: the application is designed for the convenience of customers. Connection, use and disconnection are also free.
- There are restrictions so that there is no negative balance. If there are not enough funds on the card to replenish the Piggy Bank, the operation is not performed. It is carried out if funds are credited within 10 days.
- If there is no corresponding amount, then the user receives a notification via SMS from the number 900 or to an electronic mailbox. If you do not use a confirmation code, then funds are not transferred.
A feature is the ability to select the purpose of the savings. The client can indicate what he is saving money for. Usually choose real estate, large purchases, travel. With the indication of the goal, it will be possible to establish the date and the final amount. Connected by Sberbank Piggy Bank for 5 years.
Balance check
You can find out the balance in 2 ways:
- In the branch of Sberbank where the account or deposit was opened.
- Through Sberbank Online.
To control finances allows a mobile bank. Through Sberbank Online, you can change the parameters of funds accumulation. It is necessary to find the “Deposit Information” section and make the appropriate changes to the settings in the interactive menu. This can be done at the bank branch.
How to withdraw funds?
This procedure is very simple. It is necessary to withdraw funds to a card or account, and then receive cash. To do this, you can use the payment instruments of Sberbank, Kopilka does not work with other banks. You can transfer money in the application or department of the financial institution.
You can withdraw funds through an ATM. To do this, find the device of Sberbank, insert a card, dial a PIN code. Then you need to select the section with translations. It is important to indicate a personal account or a card account where funds will be credited. You need to specify the amount and confirm the operation.
Cash withdrawal is possible through a bank branch. A passport, card or book is required. The specialist will perform the procedure on his own. All funds transferred through the service can be spent at any time. If the limit is exceeded, the service will provide information about this.
Reviews
Reviews about the service can be found different. Since the application has been functioning not so long ago, not everyone appreciated the options. But many customers are satisfied with the service, as it provides the opportunity for convenient accumulation of funds. And everything is done in automatic mode. With such a service, it will be possible to accumulate a decent amount of money, and then withdraw it and spend it. If necessary, you can quickly turn off the service.
But there are also negative reviews. Questions arise about connecting the service and transferring money. Many clients transfer funds and expect that the savings will be reflected on the same day. But the operation is performed up to 3 days. In this case, you need to wait patiently. But usually the operation takes 24 hours. If after 3 days there is nothing in Piggy Bank, you must contact the support center.
If you understand the features of the service, then no difficulties should arise. Moreover, the reviews indicate an attentive and competent support service, which is always ready to deal with various issues.
What to look for?
The service can be connected many times, the main thing is that the account number, type of service should be different. If the card is reissued, the service continues to operate. But when changing personal data, the service will not work. To connect, you need the SMS alert service.
The number of "Piggy Banks" may be different. All operations can be controlled via SMS. You cannot transfer funds from the card of one person to the account of another. Card and deposit must be issued for 1 person. You can make savings in various currencies: rubles, euros and dollars.
Card design
If there is no card, then you will not be able to use the service. But it can be ordered at a branch of Sberbank. This will require a passport. Also, the client will need to fill out an application. Production takes some time, after which you need to visit the office to get a card.
Cards can be with different services, it is important to find out during registration. If they are debit, then you can freely transfer funds, receive a salary on them, pay for goods and services. It is possible to design it with an individual design, for which an additional fee is charged. There will also be an annual maintenance fee.
After receiving the card, the client must connect a mobile bank so that all operations are freely tracked. Only then can you arrange a “Piggy Bank”. After that, the benefits of the service are available to the person. With it, it will turn out to accumulate a certain amount of money. Only with independent use of the service will it be possible to evaluate its advantages.