How to disable "Piggy Bank" in Sberbank via phone?

Piggy Bank from Sberbank is a bank service that helps to set aside a part of income according to pre-set parameters. The service was created specifically to help customers accumulate the necessary amount for solid purchases, trips to the sea and more. The system of transferring funds from a credit card to a piggy bank is automatic; a commission for using the service has not been established. The service is provided free of charge. Next, we will analyze what types exist, how to connect and how to disable the piggy bank in Sberbank.

What is required to connect "piggy banks"

• Bank card of Sberbank for which you receive money. It can not be credit, only debit with the owner’s own funds. The ideal option is a payroll card.
• SMS notification service.
• An account with Sberbank where funds will be accumulated.

Types of Piggy Banks

The electronic service “Piggy Bank” provides several ways of crediting funds to a savings account:

• Amount fixed. The owner himself can set the necessary amount and period of payment. This method is convenient in that it is possible to calculate how much time it will take to collect the required amount. For example, the cardholder of every 17th day receives a salary transfer of 30 thousand. You can configure the transfer to the "piggy bank" on the 18th number in the amount of 5 thousand.

• Percentage of receipts on the card. The owner himself sets the amount of interest. When funds are credited to the main card, the Piggy Bank is replenished automatically. When choosing this type, it is necessary to take into account that funds will not be credited to accumulations when moving between personal accounts and cards, transfers from cards of other Sberbank users, as well as refunds. For example, the owner set a deduction of 10%. Every 28th day, a salary of 30 thousand is credited to the card, at the same time 3 thousand are transferred to the “Piggy bank”, and an advance part in the amount of 15 thousand is transferred to the “Piggy bank” on the 20th, automatically 1,500 rubles are spent in the “Piggy bank”;
• Percentage deducted from the card. The owner himself sets the amount of interest. The "piggy bank" is replenished automatically each time you withdraw funds from a credit card. When choosing this method, transfers from one account to another and between cards, transfers to cards of other users of Sberbank, credit payments and commissions of Sberbank are not considered expenses. Suppose a client has set a deduction rate of 15%, respectively, after payment of the purchase in the amount of 10 thousand, 1,500 rubles will go to the "piggy bank".

Do you already have a “piggy bank” savings account with Sberbank? How to disable if necessary, is described below.

Connecting or disconnecting Piggy Banks?

Despite the fact that the Piggy Bank service from Sberbank is very convenient, there are times when it becomes necessary to disable it. Suppose this can happen due to a change in the situation in the life of a bank card holder - a job change, a salary card has become irrelevant. You can use it further until the expiration date, but the funds from the employer will no longer come. Consider the main points of interaction of a banking institution with a client:

• In order for the client to be able to use the bank’s services remotely, he should activate the mobile bank service, which is an effective tool for quickly controlling the flow of funds in the account.
• To activate the “Piggy Bank” service, you can contact an employee of the bank branch, and you can do this yourself through your personal account or call the hotline.
• The cardholder can set a limit on withdrawing money from a bank card. This is done through an employee of the branch or independently through Sberbank-online.
• You can check the amount remaining on the account in various ways: send a message to the on-call short number and through the personal account of Sberbank.
• You can transfer the accumulated money in the "piggy bank" to any valid bank card.

About connecting and how to disable the “Piggy Bank” function of Sberbank is described below.

How to connect the "Piggy Bank"

Connecting the service is very simple, this can be done through:

• An employee of Sberbank who will advise and help in connecting.
• Personal account on the website of Sberbank.

The service is available for Visa and MasterCard debit card holders , as well as for those who have a savings account.

To activate the service requires:

• Log in to your Sberbank Online account.
• Open the "Operations" section in the map menu.
• In the list of commands, select "Connect."
• In the window that appears, specify the parameters: type of transfers, amount and date of replenishment.
• When choosing deductions in percent, it is additionally required to adjust their size and limit on the amount of transfer.
• After completing all the operations, press the "Connect" key.

How to deactivate the Piggy Bank service

Not sure how to disable Piggy Bank in Sberbank? In order to turn off the service, there are several ways:

• Through the Sberbank-online system. To disable the piggy bank, follow these steps:

1. Log in to the site of Sberbank-online.
2. Open the “Deposits” section in the card menu.
3. Further, “Deposits and accounts”, where you can see all the information about customer deposits, validity periods and accrued interest.
4. In the list that appears, select the account from which you will be transferred to the Piggy Bank in the future.
5. If you have multiple accounts, you must select the one you want to close.
6. Now you know how to disable Sberbank’s mobile “Piggy Bank”, the last step remains - in the drop-down menu of the service settings you need to press the "Disable" button.
7. The functioning of the "piggy bank" is suspended.

other methods

• Not sure how to disable Piggy Bank in Sberbank? This can be done at his branch. In order to carry out any operation in a bank branch, the visitor must have a passport and a bank card with him. In addition, to confirm the operation, you will need to enter the pin code of the card. Such measures are necessary to increase the reliability of accounts and deposits. After the closing of the “Piggy Bank” is completed, the bank employee will offer to withdraw funds from the account in a suitable way, for example, transfer to a card or receive cash at the cash desk.
• Are you going to refuse and don’t know how to disable Piggy Bank in Sberbank? This can be done through the support service. The hotline number is available at any time of the day. To confirm the operation, the owner needs to provide some personal information: bank card details, Piggy bank account number and passport data. Before calling all this information is recommended to be prepared in advance.

Other ways to remove Piggy Bank

If you have Sberbank “Piggy bank” service activated, you don’t know how to disconnect it via phone, you will have to disappoint you, it is impossible to do this. Unfortunately, today you cannot disable the electronic service via SMS to a short number. The bank's management says that this feature will be available over time, but at the moment it is still in terms of implementation. Therefore, how to disable "Piggy Bank" in Sberbank via SMS, the mechanism is not developed.

Service Features

The Piggy Bank electronic service has some features:

• There is no charge for using the service, as this is created for the convenience of customers.
• There are restrictions on the prohibition of negative balance. The client will not be able to go negative, when the amount on the card is not enough to transfer funds to the piggy bank, the operation will be canceled. Payment will be made if money appears on the balance within 10 days.
• If the balance of the corresponding base is insufficient, the client will receive a notification in the form of SMS from a short number or a message by e-mail. If the cardholder does not use the verification verification code, the funds will not be transferred.

An interesting feature of the “Piggy bank” service is that it is possible to choose the purpose of accumulation (how to disable the universal piggy bank of Sberbank is described above). For example, a client may set a goal for saving money. Most often, large purchases, travels and real estate are planned. In addition, when planning, you can specify the date and the required amount.

How to withdraw funds from Piggy Bank

You can cash out accumulated funds very easily in several ways:

• Through the Sberbank-online mobile application, this requires the following steps:

1. Log in to the system.
2. Enter the “Payments and Transfers” section.
3. Next, the item "On your bank card."
4. Indicate the required amount for the transfer.
5. Confirm payment transaction.

• In the banking terminal. You can still withdraw funds through the bank terminal, for this you need:

1. Insert a bank card.
2. Enter the “Payments and Transfers” section.
3. Next, the item "Transfers among your accounts."
4. Enter the amount and confirm the operation.

• At the bank branch. Upon presentation of an identity document and a bank card, you can withdraw the required amount in cash, accumulated in the "Piggy Bank" at the cash desk of Sberbank.