There are many financial instruments available to differentiate investments. Money is placed in bank accounts and kept in cash at home. Today, as an alternative to a regular ruble or dollar deposit, a metal account at a Savings Bank is gaining popularity. It gives more prospects to investors who want to make profits without risk. You will learn how to use this banking product and what is the profitability of a metal account at Sberbank.
What is compulsory medical insurance and how to make money on it
Compulsory medical insurance is a metal account that opens in a bank. With its help you can track the balance of precious metals (weight is always indicated in grams). The holder can purchase or sell the precious metal at any time, without even picking it up. That is, the entire transaction is carried out virtually and without taking into account indicators such as fineness, bar number or the name of the manufacturer.
The client does not need to search for precious metals in the markets, transport them, check their quality and store them in a safe place. All these options are carried out by the bank. Many who have already opened compulsory medical insurance from Sber note that it is very convenient: the client is given the opportunity to invest money safely, and the bank receives an additional influx of clients and income.
Earnings occur according to the following algorithm:
- First, the precious metal is purchased, and then an account is opened.
- Next, you need to control and monitor the price. The amount can change every day: it falls or, on the contrary, grows.
- As soon as the price increases, the metal is sold. The sale can be either full or partial.
By monitoring Sberbank compulsory medical insurance quotes and having precious metals in his portfolio, the account holder can profit from the difference in transactions concluded.
Sberbank Premier premium service package: main features
Many banks offer special sets of services for wealthy clients, and Sberbank, of course, is no exception. Although people with large capital would probably transfer money to Sberbank without any additional benefits, but simply because of the minimal risks of revoking the license of this credit institution.
However, Sberbank has a quite decent package for the premium segment, Sberbank Premier, the owners of which can count on special privileges. This is what the advertisement for this service package looks like on the bank’s website:
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Sberbank Premier. Main features
1 Low requirements for the package to be free.
Sberbank, perhaps, has one of the most humane requirements for a free package. There are no monthly fees for the first two months, no strings attached. From the third month you need to have at least 2.5 million rubles in all accounts in Sberbank. for the Moscow branch and 1.5 million rubles. for all other territorial branches of Sberbank (or equivalent in currency), including in the Moscow region, to use without commission. If the conditions are not met, you will have to fork out 2,500 rubles per month.
Thus, if you are in Moscow, then to open a package it is wiser to go to the region (to a branch where there is a Sberbank Premier service area), it will be easier to comply with the free conditions.
It is also worth noting that you can open Sberbank Premier at the tariffs of the Moscow region in Moscow, at the address st. Bolshaya Andronyevskaya 8 is a branch of Sberbank, which belongs to the Central Russian territorial branch:
It is important that Sberbank does not require 1.5 million rubles to be permanently in the account. or 2.5 million rubles, it is enough to have such balances only at the end of the month and the free conditions will be met:
The calculation takes into account the sum of all balances in one territorial bank on savings accounts, deposits, cards, unallocated metal accounts, and Savings certificates are also taken into account.
Accordingly, some do not keep the required amount in Sberbank constantly, but simply provide the balance at the end of the month, after which money is withdrawn from Sberbank by transferring to other cards or withdrawing cash, and so on in a circle. Maybe it’s not entirely convenient, but the scheme is quite working
In the first two months, Sberbank does not charge a fee for the Sberbank Premier package without any conditions, but you won’t be able to simply use all the goodies of the package for free during this time and immediately close it. Sber has insured itself against freeloaders; if you close the package during the grace period, as well as in the third month, then 2,500 rubles. they will write off anyway.
But from the fourth month you can close Sberbank Premier without consequences; the service fee for less than a full month will not be written off:
Thus, you can use it during the first two months without worrying about the balances, and at the end of the third you can provide 1.5 million rubles. on accounts, at the beginning of the fourth month, withdraw money, use the package for almost the entire fourth month for free and have time to close the package before it ends. As a result, the fee for the incomplete fourth month will not be written off, and the package will be closed.
If you contact the office, the contract will be terminated immediately; if you do this through the contact center, the procedure may take 5 working days:
Sometimes Sberbank calls its clients and offers to switch to Sberbank Premier service absolutely free, without any additional requirements. However, it is worth considering that such a package will not include anything except service in a special area and consultations with a personal manager:
There are reviews that Sberbank refuses to connect to a premium package for some clients, naturally, without explanation:
UPD: 02/01/2019 Recently, in order to fulfill the criteria for the freeness of the Sberbank Premier package, balances in a brokerage account opened with Sberbank are also taken into account. The required amounts have not changed; for Moscow it is at least 2.5 million rubles. or the equivalent in foreign currency on the last day of the month, for regions - 1.5 million rubles:
UPD: 06.22.2019 Since June 2021, Sberbank has added two more possible conditions for not charging for the package.
Now, in addition to the account balance on the last day of the month from 1.5 million rubles. (2.5 million rubles for Moscow), the following criteria can also be taken into account: – balance of 500 thousand with a turnover of spending on cards of 80 thousand rubles/month. (for Moscow, the balance is from 1.5 million rubles and the turnover is from 100 thousand rubles/month); – card spending turnover from 100 thousand rubles/month. (for Moscow 150 thousand rubles/month).
2 Free passes to business lounges under the Priority Pass program.
Owners of the Sberbank Premier package can enter airport business lounges using the Priority Pass program absolutely free, and the same applies to their companions. There are no restrictions on the number of passes and guests from Sber.
The range of free services provided by different business lounges varies. Specific information for each hall can be found on the official website prioritypass.com . Usually in these halls you can count on soft chairs, Wi-Fi, soft and alcoholic drinks, light snacks, fresh newspapers and magazines, and sometimes even showers and spa treatments:
Some people manage to have such a good time in these business lounges that they pay for the cost of the flight
For frequent flights, especially with transfers, an unlimited Priority Pass will be very useful. The total savings with the Sberbank Premier package are quite significant, because the regular cost of membership in the Priority Pass club costs 99 euros, and one pass will cost 24 euros:
There is a calculator on the Sber website where you can calculate your benefits from free passes, for example, for 10 flights for the whole family (5 people), the savings will be 106,191 rubles:
UPD: 03/29/2019 From 04/01/2019 The conditions for access to airport business lounges using Priority Pass cards for package owners are changing. All package owners are now limited to 8 free visits per calendar quarter, including package owner and guest passes. For each subsequent pass at the end of the calendar quarter, a fee of $27 will be charged.
There is also the possibility of getting unlimited and free passes, but the conditions are simply draconian. To do this, you need to simultaneously maintain an average monthly balance of at least 2 million rubles and spend at least 200 thousand rubles per month on Sber cards. and have a connected Sberbank Premier package for the entire quarter.
UPD: 10/11/20 From 10/01/2020, owners of the Sberbank Premier package are entitled to only 6 free passes per quarter to airport business lounges under the Priority Pass program (instead of 8):
3 Free travel insurance.
The owner of the Sberbank Premier package is entitled to free insurance from Sberbank Insurance, insurance coverage of up to $100,000 when traveling abroad and $30,000 when traveling within Russia (insurance is valid at a distance of 100 km from permanent residence):
Assistance is provided by Mondial:
The regular price of such a policy is 3,700 rubles/year:
The insurance includes compensation for medical expenses, including those caused by active sports, the cost of lost luggage, and expenses associated with flight delays or cancellations. The insurance is valid for the first 90 days of each trip; the number of trips per year is unlimited:
When traveling together, in addition to the owner of the package, his family is also insured, and you can also include the owner of an additional card in the insurance:
The insurance included in the Sberbank Premier package, like any other, has a number of restrictions on the amount of insurance compensation for individual events, as well as exceptions to which insurance payments do not apply at all. So it’s better to familiarize yourself with the full terms and conditions of insurance :
4 Free premium cards.
The package includes servicing 5 premium cards (including additional ones) Visa Platinum and MasterCard Black Edition in various currencies. SMS information on cards in the package is free:
By the way, you can even do this for your seven-year-old child:
It’s convenient that Sberbank supports modern smartphone payment technologies, Apple Pay, Samsung Pay, and Android Pay:
Sber will issue a separate Priority Pass card for each main premium card. They can be useful if you have many guests traveling with you or need to extend your stay in the business lounge for additional time.
Previously, Sber premium cards awarded the usual 0.5% cashback with “Thank you” points, just like on other cards. Now there are increased bonuses for spending over 80,000 rubles/month. With such a turnover of purchases, you get 10% cashback for purchases at gas stations, as well as for trips to Gett and Yandex.Taxi, 5% for purchases in cafes and restaurants, 1.5% in supermarkets and 0.5% for everything else:
“Thank you” bonuses can be exchanged for a discount in partner stores, and can also be used when purchasing air and train tickets, booking hotels on the website spasibosberbank.travel (“with thanks” you can compensate up to 99% of the cost of a ticket or hotel reservation).
Ticket prices on the website are slightly higher than the market average, but the service is quite suitable for adding your bonuses. So a Moscow-Krasnoyarsk ticket for March 28, if searched on the Sberbank website, would cost 3,749 rubles:
On the Pobeda website on the same date the cost was 3,499 rubles:
“Thank you” bonuses can also be exchanged for taxi certificates:
In principle, the bonus program for Sber premium cards would be quite tolerable if it were not for the restrictions on the maximum accrual of points per month. So for taxis and gas stations no more than 1000 bonuses per month are allowed, for cafes and restaurants no more than 2000. The total monthly bonus limit is 5000:
To be honest, it’s quite funny to read laudatory reviews about the profitability of the Sber premium card bonus program posted on the credit institution’s website.
It is also worth noting that Sberbank has a simply terrible conversion rate for purchases abroad , and besides, Visa payment system cards also have an additional commission for converting from the “tugrik” to the dollar.
The advantage of Sber's premium cards is that they have good cash withdrawal limits; you can withdraw 500,000 rubles per day at the bank's cash desks without commission, and the same amount at an ATM. Monthly limit RUB 5,000,000:
These limits can be easily expanded using a Savings Account, which has no limits on amounts at all and no deposit requirements. True, you still need to remember about 115-FZ .
Working with currency in Sberbank is completely inconvenient; there are simply no currency ATMs that work both for issuing and receiving. All transactions can only be done through the cash register.
Visa Platinum Premier cards, as well as MasterCard Black Edition, are truly premium, and not just called that (like, for example, Tinkoff Platinum ) and have corresponding discounts and privileges from payment systems. Current offers can be found on the MasterCard and Visa websites. The Visa Platinum card also provides the “Purchase Protection” and “Extended Warranty” programs:
1000 rub. for a free Cashback card from Raiffeisenbank, 1000 rubles. for “100 days without %” from Alfa-Bank with a free year, 1,500 rubles. for Tinkoff Black, 4000 rub. for Tinkoff Platinum, 500 rub. for “EVERYTHING is possible” from Rosbank, 500 rubles. for “Moscarta” from “ICB”, 3000 rubles. for an Opencard credit card, 8,000 rubles. for Citi Select, 1000 rub. for “110 days without interest” from Raiffeisenbank with free cash withdrawal and free service.
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5 Increased rates on deposits.
You shouldn’t expect miracles here; Sber’s rates on savings accounts and deposits cannot be called high, although it promises increased interest rates for owners of the Sberbank Premier package.
As of March 24, 2018, the maximum rate on the non-replenishable deposit “Special Save” is 5.91%, on the replenishable deposit “Special Replenish” – 5.26%, on the expense-replenishable deposit “Special Manage” – 4.95%. The maximum rate for currency is 2.06% (this is for the “Special Save” currency deposit, taking into account capitalization and when opening a deposit for three years):
It is worth noting that with a decrease in the key rate, the difference between interest rates on deposits of different banks is gradually smoothed out. If interest rates on deposits are further reduced, then there is a high probability that people will simply stop depositing money there, and will prefer cash in a safe deposit box.
For example, the “Special Save” savings deposit in Sberbank can now be opened for a year at 5.8%:
A similar “Profitable Privilege” deposit in VTB has a yield of 6.15%:
“Profitable” in Rosselkhozbank for the year – 6.2%:
But if you have a higher package connected (for Moscow the minimum amount of balances must be from 15 million rubles, for all other branches - 5-10 million rubles, otherwise the fee is 10,000 rubles / month), then you can even overtake in terms of profitability, ordinary deposits in Rosselkhozbank Deposit “Leader” from 50 to 100 million rubles. for a year you can place it at 6.3%, and from 500 million rubles. – at 6.45%:
Sberbank does not have deposits in euros, so this currency can only be placed here on cards or Savings accounts without interest (more precisely, at 0.01%).
6 Favorable currency exchange rates in Sberbank-Online.
Sberbank promises a favorable currency exchange rate for Sberbank Premier holders. True, the maximum that Sber can offer is a spread of 80 kopecks from 10.30 to 17.30 on weekdays. Otkritie , Tinkoff , BCS can boast of a better rate without any premium packages:
It is worth noting that the preferential rate does not apply to currency exchange directly between cards in different currencies; you need to convert through deposits or Savings accounts.
7 Discount on safe.
For owners of the Sberbank Premier package there is a 20% discount on safe rental:
8 Second expert medical opinion.
The essence of this service is that 2 times a year you can contact them to provide a diagnosis and test results for your diseases, and the company will contact other doctors who, based on the documents received, will issue an alternative medical opinion.
9 Help with tax refunds.
Filling out an application for tax deductions from the state on your own is not very difficult, but to save time you can turn to intermediaries, especially since this service is included in the Sberbank Premier package (regular price 1,499 rubles):
Tax refund assistance services are provided by a Sberbank partner
10 Personal manager.
The package includes premium service in special areas with the participation of a personal manager:
However, you should not be under the illusion that the personal manager is some kind of super-premium employee, this is the same Marinka as in a regular gym:
The requirements for the free package certainly cannot be called strict, but there are 8 free passes to airport business lounges under the Priority Pass program per quarter and good travel insurance.
Rates on deposits, as well as cashback on cards, are not particularly profitable. Based on these parameters, I would give preference to the “Privilege” from “VTB” and the “Premium” package from “Otkritie” .
I hope my article was useful to you; write about any clarifications and additions in the comments.
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What is sold and bought on compulsory medical insurance
Today, Sber works with only 4 types of precious metals, as they are the most in demand.
- Gold. The most popular precious metal among investors. Its value is determined by the market price.
- Silver. Budget option for investment. It is mined in large quantities and therefore its value is not as high as gold.
- Platinum. Very often used for counterfeiting gold. This is due to the fact that these metals are similar in density. If a client opens a metal account with Sberbank, the bank will perform all the necessary checks for him.
- Palladium. It is used for alloying with gold, after which the latter changes color and becomes white (this is how white gold is obtained).
What precious metals can be purchased under compulsory medical insurance?
When opening compulsory medical insurance Premier, the investor can now purchase the following precious metals:
- gold is the most reliable investment, deservedly enjoying maximum popularity; for compulsory medical insurance, a virtual analogue of this precious metal of the highest 999 standard is provided;
- silver – this asset today is characterized by less stable reliability, but in this case the price difference is more significant, which attracts novice investors; but at the same time the degree of risk increases;
- platinum - this material is less popular among owners of Premier compulsory medical insurance, due to the fact that platinum products do not have stable demand in the market, and Pt is primarily used in industrial production rather than for the manufacture of jewelry;
- palladium - like platinum, it is not very often used for jewelry, but in the industrial sphere it is used quite actively as a material for rocket science and electronic circuit boards; therefore, there is no need to fear a fall in the value of palladium.
Today, a choice of any material is possible, depending on the preferences and financial capabilities of the investor.
How to open compulsory medical insurance
You can apply for compulsory health insurance at any Sberbank branch or online. Those who have never opened an account online should visit the bank in person, as well as those who do not have a login and password to enter their personal account on the bank’s website. If necessary, the Sber operator will provide all the necessary information and talk about the risks.
If the client already has experience working with online services, and the rules for trading precious metals are clear, then there is no need to waste time, because opening an account remotely will not take much time. The sequence of actions is as follows:
- Authorization in the system using an individual login and password.
- Opening the “Metal Accounts” tab.
- Familiarization with metals and choosing the most profitable one.
- Filling out the form.
- Consent to open an account and confirmation that the client fully agrees to cooperate with the bank.
- Purchase of the selected precious metal. It is important to make sure that there are funds on the card for debiting.
When filling out the fields when registering an account, it is important to check the entered data. An error in even one digit can slow down the opening process.
Features of opening compulsory medical insurance
Before applying for a banking product, you should familiarize yourself with the terms of a metal account with Sberbank. Find out:
- Types of deposits available for registration.
- Interest rate (if a time deposit is opened).
- Posting period.
- The size of the spread at the time of financial transactions.
If you are deciding how to open a metal account at Sberbank, there are two ways:
- Contact the Savings Bank branch at your place of registration.
- Using your personal account in the Sberbank Online service.
Compulsory medical insurance can also be opened to minor citizens of the Russian Federation. If parents are going to open a deposit for their child who has not reached the age of majority, it is opened in the name of a legal representative.
At a Sberbank branch
Before opening a metal account at the Sberbank office, choose a precious metal for investment and study its rate. The following documents are presented to the branch of the financial institution:
- Passport of a citizen of the Russian Federation.
- Taxpayer identification number.
- Cash or precious metal.
- Papers for precious metals, if they are transferred for storage in physical form.
An agreement is concluded with a banking institution for maintaining and servicing the deposit. The bullion is bought from the bank and deposited. Actions take place without the precious metal appearing in real form. This saves time when making a deposit.
In Sberbank Online
If you are not registered in the system, you need to register. Log in. Go to the page to open compulsory medical insurance from the “Payments and Transfers” category by clicking on “Deposit Operations” - compulsory medical insurance.
Next steps:
- Select a type of precious metal.
- Click on “Continue”.
- Positions related to document number, date, opening cannot be edited. They are filled in automatically.
- In the “Write-off account” field, select from the list that appears the one from which funds will be used to issue compulsory health insurance.
- In the “Amount” or “Weight” column, indicate the data according to which the deposit will be opened.
- In the “Opening location” position, select a Sberbank branch.
The line “Buying and selling rate” is filled in automatically within the current rate. To return to the precious metal selection page, select “Back to metal selection.”
Important! Fields with red asterisks must be filled in.
After entering the required information, click on “Open”. The service on the display will show a page confirming the registration of the metal deposit. Check the correctness of the entered data and read the terms of the contract - click on the appropriate link. A window will appear with a printed form of the banking agreement. Place a mark indicating agreement with the terms of the agreement. To return to selecting the amount, click on “Edit”. To confirm the action, click on the corresponding button. A page for viewing the document will appear, where the form for opening a compulsory medical insurance and information about the successful completion of the operation by the financial institution is presented - the blue “Completed” stamp.
Precious metals quotes for today: buying and selling
Sberbank compulsory medical insurance quotes can change every day and the client needs to monitor the rise and fall of prices. You can view information on all metals on a special page, in your personal account or in the Sberbank application where the bank provides all the data. The client can find out:
- purchase/sale cost;
- dynamics of price changes not only per day, but also per month;
- jumps in quotes in the chart.
For more detailed and correct information, please indicate:
- name of metal;
- the period for which you need to find out information (you can even specify a specific date).
There is also a calculator on the page with which you can calculate conditional profitability.
Today, quotes for precious metals from Sber are as follows.
| Precious metal | Purchase cost (in rubles) | Sales (in rubles) |
| Gold | 4 120 | 4 575 |
| Silver | 61,94 | 68,85 |
| Platinum | 6 594 | 7 308 |
| Palladium | 2 827 | 3 144 |
Who has the right to open such an account?
A deposit can be opened by any Russian citizen who has reached the age of majority and is served by this bank. This condition is necessary because All transactions are carried out through a personal electronic account using a card.
For persons under 18 years of age, parental or guardian participation is required. A child under 14 years of age cannot make any transactions with the account.
Teenagers over 14 years old can conduct account transactions, but they will need written permission from an adult to do so.
Compulsory medical insurance quotes Sberbank: pros and possible disadvantages
Among the main advantages are:
- investments do not depend on inflation;
- opening an account in just a few minutes;
- reliable bank;
- no need to store precious metals yourself;
- remote maintenance;
- opportunity to make a good profit.
Of course, compulsory medical insurance also has some disadvantages, and the most important one is that there is no insurance. A deposit insurance system applies to cash deposits. Some are also not satisfied with the prospect that they will not be able to make a profit immediately, but only after a few years.
Compulsory medical insurance makes it easy to buy and sell precious metals without leaving your home. The client is not required to monitor the account; it is open-ended and there is no need to re-register it after a year or more. Compulsory medical insurance is suitable for those who think about the future.
Palladium exchange rate chart for 6 months of 2019
With the growth of the exchange rate and quote changes, the compulsory medical insurance of palladium in Sberbank of Russia changes in accordance with the direction of the given trend. By the way, this type of deposit is comparable to playing on the stock exchange, but in this case there are a number of undeniable advantages. They are expressed as follows:
- no need to constantly monitor the world exchange rate;
- there is no need to collect and analyze data;
- and, most importantly, there is no need to pay for the services of experts and managers.
What can you do with a metal bill?
The holder of an impersonal metal account can perform the following actions with it:
- Purchase impersonal precious metals for cash and non-cash payments;
- Sell precious metals held by Sberbank for cash;
- The account owner can increase his balance by depositing additional precious metal bars. The bank may charge additional fees for these actions;
- The holder of a metal account has the opportunity to cash it out, paying, at the same time, a VAT tax fee, the amount of which is 18%;
- You can also open an impersonal account for the benefit of other persons. It is allowed to open an account in favor of minor children aged 14 to 18 years.
All actions with the account must be carried out in the bank branch where it was registered. This possibility should be clarified in other departments. Recently, Sberbank clients have become able to make transactions with a metal account through their personal Internet banking account.
If a person decides to close the account, then he can return the investment in the following form:
- By selling precious metal bars to a bank and receiving an amount in rubles, according to the tariffs and exchange rates in effect on the day of sale;
- Taking bullions from precious metals.
Do I need to pay taxes?
When purchasing precious metals at Sberbank or any other credit institution, the transaction is not subject to VAT. However, personal income tax will be withheld from the client:
- in the amount of 13% from a Russian citizen;
- in the amount of 10% from a foreigner.
If the account was opened more than 3 years ago, the citizen has the right to receive a deduction of up to 250 thousand rubles. For example, a client opened a deposit in February 2015, earned 300 thousand on it and decided to close it in March 2018. Since 3 years have expired, he has the right to use a deduction of 250 thousand. Therefore, personal income tax will be only 13% of the remaining 50 thousand, t .e. 6500 rub.
