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Is it possible to connect the piggy bank to a third party? How does the Sberbank piggy bank work? Advantages and disadvantages of the Piggy Bank service from Sberbank

The desire to save money is typical for many. If previously the main purpose of savings was the desire to protect oneself for a rainy day, now most clients are considering the possibility of using accumulated funds for a specific task - purchasing an expensive product, vacation, etc. To make the process more organized and deductions to occur systematically, and not occasionally, the banking institution has developed a free online service. What does it mean to connect a Piggy Bank to Sberbank Online and how to use it correctly will be discussed below.


Using the application, customers get a chance to save money for long-awaited purchases

Using the free application, the client has the opportunity to automatically transfer his own funds to another account to achieve the intended goal in the future. The service is beneficial for those who lack monthly income and are unable to save on their own.

Although it is provided free of charge, the bank is also interested in it. Since plastic holders voluntarily replenish savings deposits, the banking institution has additional resources.


The mechanism of the service is absolutely transparent and simple

Features of the service

To make it convenient for investors to use the option, some features were taken into account in its functioning.

  • Using the functionality is free.
  • Restrictions have been established that do not allow the balance to go into negative territory. If within 10 days the amount required for deductions does not arrive on the balance or there are insufficient funds, then the Piggy Bank operation will not take place.
  • The opposite situation is also provided for – exceeding the maximum stipulated deductions. To confirm the operation to exceed the limit, an SMS with a code is sent. If the client does not use it within a day, then deductions will occur according to the previous scheme.
  • An option is installed indicating the purpose of savings. By defining it, the user fixes the period and the required amount. This option is a great motivator for the user.

There are several types of savings, depending on what is included in the accrual base

Sberbank piggy bank: conditions

Connection option possible if certain conditions are met:
  • To carry out operations, you will need 2 accounts - a card account and a savings account (replenishable deposit);
  • both of them must be opened in the same regional office;
  • It is permissible to transfer money for savings from a debit card;
  • accounts and savings can be in rubles and foreign currency.

Interest rate

The service does not provide any commissions or fees for transferring accruals from a card to a deposit. The function is free, and this is its advantage.

Design methods

How the Piggy Bank works in Sberbank Online depends on the client’s choice of replenishment method. The option involves 3 different principles for charging money.


Connecting the option is a few simple steps that will not take much time from clients For a fixed amount. The depositor sets a certain amount of the amount transferred from the debit plastic card in a specific time period or on a specific date. Percentage of funds received on the card. Replenishment is carried out in the form of interest payments on all money received on the debit card. Deductions occur automatically for the following categories of income:
  • salary,
  • scholarship,
  • pension,
  • any social benefits,
  • dividends on shares,
  • compensation for deposits,
  • transfers from other financial organizations.

Interest is not charged on any one-time transfers, refunds, or transfers between your own accounts.

Calculation of interest on expenses. The client sets the percentage of deductions from all daily expenses and write-offs on the card. Money is credited in the next 3 days. Expense transactions do not include loan repayments, transfers between your own and other accounts, and commission deductions.

How to check the Sberbank Piggy Bank

The service assumes the presence of a separate account, the status of which can be checked at any time in different ways.


Each user has convenient access to the control system. How to check and control the accrual of money:
  • go to Sberbank Online and view your account balance;
  • find out the balance status in a bank branch;
  • control your balance by connecting to Mobile Banking. Each operation is accompanied by an SMS indicating the amount received and accumulated.

How to withdraw money

There are several options for withdrawing money from the Sberbank Piggy Bank. The essence of the withdrawal is to transfer money from it to a debit card, and then dispose of it at your own discretion.

  • At a bank branch. The user with a passport and deposit details contacts the operator. Then it transmits all transaction data and cashes out funds as needed.
  • In the online system. Go to the “Transfers and Payments” section, select a card. Then fill in the field indicating the account number, amount and card number to which the transfer is being made. The transaction is confirmed by a code from the received SMS.
  • Via ATM or terminal withdrawal occurs in the same way. Also, first, a transfer account and a receipt card are selected, and then a payment document is filled out.
  • Through a call center operator with the remote option.

How to disable

How to disable the Piggy Bank service in Sberbank Online if you don’t want to use it? Occurs when a service was connected without the person’s knowledge, or the person has already completed its tasks. You can disconnect in two ways: through your Personal Account or in the mobile application.

How to disable Piggy Bank online service:
  • log in to your Personal Account;
  • in the menu select the option “Deposits and accounts”;
  • select from the list the deposit to which the accumulation option is connected (if you don’t remember which deposit, click each one in turn);
  • in the desired deposit there will be a “Piggy Bank” tab - click on it (if there are several of them, select the one you need);
  • after the “Operations” option appears, click on “Disable”;
  • the request is sent to the bank and the service is suspended.

To make sure that it is not valid, after a few days you should go to the “Deposit Information” item and check the cancellation.

Shutdown algorithm via mobile application:
  • a card with the connected option is selected on the screen;
  • click on the “Piggy Bank” tab;
  • settings will appear and among them click on “Delete”;
  • confirm the operation;
  • evidence of cancellation of the service will be the receipt of an SMS from the bank.

It should be understood that several of the above nuances are associated with the functionality of the service.

Conclusion

The Piggy Bank service helps many Russians accumulate their own funds in a separate account in order to plan upcoming purchases or save a certain amount for important purposes. The option provided is free and easy to sign up for. It is quite easy to refuse the Piggy Bank card for a Sberbank deposit, as well as to disable it.

The Piggy Bank service is an innovative tool from Sberbank for saving money. Automated transfer of your earnings with manual settings will allow you to easily accumulate savings in your account.

Why do you need the Sberbank Piggy Bank?

Are you trying to save for a rainy day, but it’s not working? If you want to save up for your lifelong dream, Sberbank comes to the rescue!

To connect the Piggy Bank from Sberbank, you need:

  • Have a Sberbank debit card to which your funds are received. It will be great if your employer is accredited by Sberbank or you receive a salary on this card. The Mobile Banking service connected to this card will help you easily manage your expenses, so it’s worth connecting it in advance.
  • Open a deposit or deposit with the possibility of replenishment (Savings or accumulative).

Types of piggy banks from Sberbank

Let's figure out how the Piggy Bank service can work before connecting it. So, “Piggy Bank” allows you to periodically replenish your account with an amount specified by you.

There are several options for how “Piggy Bank from Sberbank” works:

Piggy bank: instructions for connecting to the service

"Piggy Bank" from Sberbank will allow you to conveniently, quickly and free of charge set up an algorithm for accumulating your funds in your account.

You can activate the service both at a bank branch and using Internet banking or the Sberbank Online application.

How to connect Piggy Bank through the Sberbank-Online application

Detailed instructions for connecting the service yourself in the Sberbank Online application.

How to connect Piggy Bank via Internet banking

How to connect Piggy Bank through a Sberbank branch

If you were unable to connect the service yourself, then go to Sberbank.

  1. Take your passport and debit card.
  2. Write an application to open a savings account or savings deposit, if you don’t have one.
  3. After you sign and complete all the documents, ask to connect you to the mobile banking service and, of course, the Piggy Bank.

How to connect Piggy Bank by phone

To connect the Piggy Bank from Sberbank without leaving your home, just call the Contact Center operators. Do not forget that you may be asked to speak out your passport details and secret code word. After completing the identification procedure, the operator will give you instructions on how to set up the service.

8 800 555-55-50 – general telephone number of the Contact Center.

+7 495 500-55-50 – telephone number for calls to the Sberbank Support Service for clients who are abroad.

Features of the “Piggy Bank” service

How the completely free Piggy Bank service works – let’s look at the details of this convenient service.

  1. No money on the card? Don't worry, you won't go into the red. You will receive an SMS indicating that funds cannot be debited. After 10 days, if there are no funds on the debit card, the transfer operation will be canceled automatically.
  2. Has the transfer size exceeded the limit you set? You will be asked to confirm this operation via SMS.
  3. The piggy bank will also work on foreign currency accounts. But the accrual will take place in the currency that is set on the debit card.
  4. You can connect as many types of “Piggy Banks” to one card/account..
  5. "Kopilka" works on all types of cards of payment systems "Visa", "MasterCard" and "Mir".
  6. All accounts from which funds are transferred and into which funds are credited must be opened in one territorial branch of Sberbank.
  7. You can change the payment parameters (amount of transferred funds, date of transfer) through the Sberbank Online mobile application.
  8. Each transfer of funds will be accompanied by an SMS to your phone. This is why you need the Mobile Bank service so much.
  9. The piggy bank may not work on all Maestro cards: Before connecting the service, consult with a Bank specialist.
  10. You cannot withdraw money from the Piggy Bank itself.- funds can only be withdrawn from the account for which the service is configured to replenish!

You cannot transfer money from your account to another person’s piggy bank - cash deductions can only be made to the account of the card holder.

How to withdraw money from Piggy Bank

You can withdraw money from this service yourself or with the help of Bank specialists:

  1. In the Sberbank Online application:
    In the “Transfers and Payments” section, select “To your card”.
    Configure the settings for the account for debiting and receiving funds, enter the required amount. Confirmation of the operation - via SMS.
  2. At any ATM or terminal“Sberbank”, select “Transfers” – “Transfers between your accounts/cards” in the menu. Also choose where to withdraw and where to send funds.
  3. At the Sberbank branch, if you have documents, the employee will make the transaction for you. Don't forget your card and passport. Cash out at the Bank's cash desk, if desired.
  4. To transfer funds remotely, contact the Contact Center for advice from a Sberbank operator. After identifying the client, the contact center employee will be able to carry out the operation over the telephone.

If you have connected the “Piggy Bank” to an account without the possibility of partial withdrawal, then in order to withdraw money, you will have to close it and sacrifice interest on the deposit!

How to disable Sberbank's Piggy Bank

Disabling the service via Internet banking occurs as follows:


The ability to accumulate the required amount through automated transfers from each card will be helped by the Piggy Bank service in Sberbank. Let's look at its distinctive features and activation methods.

What is a piggy bank?
This is a Sberbank service that helps you save for your goals. After turning on the service, based on the selected option, a certain amount is periodically transferred to a special account. The service is available exclusively to bank clients.

Terms of service

Requirements:

  1. Possession of a Visa, Maestro or Master Card debit card;
  2. Mobile banking is connected to the card.
  3. Open an account or a replenished deposit so that the Sberbank piggy bank is on it.

What piggy banks are there at Sberbank?

The specificity of the service is the automated transfer of funds to the wallet and the ability to choose any option to increase the balance. Customers are offered to choose different conditions for different cards:

How to connect a piggy bank to Sberbank Online

A reminder on how to create and connect a service:

  • , indicating personal .
  • Next to the card to which you want to connect the piggy bank, there is an “Operations” tab. In the drop-down list, select “Connect a piggy bank”.
  • Next we make the settings. Indicate the original name of your own piggy bank.
  • If you have only one Sberbank card, it will connect automatically; if there are several, you will have to choose one of them, at your discretion.
  • We indicate the type of piggy bank. If your choice fell on the “fixed amount”, then select the frequency of enrollment, determine the date of replenishment and write the required replenishment amount.
  • If your choice fell on “percentage of enrollments” or “percentage of expenses,” we independently prescribe the percentage, for example, 6% or 11%. We also indicate the maximum replenishment amount. If the calculated replenishment amount is greater than the maximum required replenishment amount, you will receive a request from Sberbank asking you to prove this operation. To confirm, you must send a response SMS. If you ignore, the maximum possible (specified in the settings) amount of money will be credited.
  • Click the “Connect” button. Then we check the options and click “Confirm”.

In the future, you can always change any options in the piggy bank settings on the “Deposit Information” page.

How to disable the Piggy Bank service

Sberbank clients have a question about how to disable the Piggy Bank in Sberbank Online. The detailed shutdown procedure is described below:

  1. On the main page of Sberbank Online, you must select the Deposits section, or directly in the Deposits and accounts drop-down menu.
  2. Next, select the deposit to which the service is connected. Going to the deposit page, you will see the Piggy Bank tab, click on it.
  3. If several piggy banks are connected, select the one you plan to disconnect and click on it.
  4. Next, in the pop-up window, select Operations, then click on Disable.

That's all, if you have any questions, write them in the comments under the article, we will answer them.

How to withdraw money from a Sberbank piggy bank

To withdraw cash or clear savings in your account, transfer money from your card account to your personal bank account.

This procedure is possible in several ways:

Through the Sberbank Online service

  • On the official website, log into your personal account;
  • Select the “Payments and Transfers” section;
  • Select an account that has Piggy Bank savings;
  • Specify the personal account or card account where the money will be transferred.
  • Once you receive a one-time password (via SMS), enter it in the required field.

Via ATM or terminal

  • Log in by entering your PIN code;
  • Next, select the translations section;
  • Specify the personal account or card account where the money will be transferred;
  • Enter the amount of the funds transfer;
  • Confirm your decision.

Please note: this option is only possible if you have previously specified the card account in the piggy bank settings.

Through a bank branch or office

  • Find with you. To withdraw money you will need a passport, card or savings book (if needed);
  • After taking your ticket, wait your turn;
  • Approaching the bank operator, tell them that you want to withdraw or transfer money from the piggy bank. The specialist will do everything for you.

Supporting information: all funds that were transferred through the service have every chance to be spent at a time convenient for you, regardless of the volume of savings. If the limit you define is exceeded, the service will inform you about this.

How to find out the balance in the Sberbank Piggy Bank

Everything is very simple! To find out the balance on the piggy bank, you need to either find. Also, if Mobile Banking is connected, you will receive SMS notifications about all transactions with the piggy bank.

The Piggy Bank service is an innovative tool from Sberbank for saving money. Automated transfer of your earnings with manual settings will allow you to easily accumulate savings in your account.

Why do you need the Sberbank Piggy Bank?

Are you trying to save for a rainy day, but it’s not working? If you want to save up for your lifelong dream, Sberbank comes to the rescue!

To connect the Piggy Bank from Sberbank, you need:

  • Have a Sberbank debit card to which your funds are received. It will be great if your employer is accredited by Sberbank or you receive a salary on this card. The Mobile Banking service connected to this card will help you easily manage your expenses, so it’s worth connecting it in advance.
  • Open a deposit or deposit with the possibility of replenishment (Savings or accumulative).

Types of piggy banks from Sberbank

Let's figure out how the Piggy Bank service can work before connecting it. So, “Piggy Bank” allows you to periodically replenish your account with an amount specified by you.

There are several options for how “Piggy Bank from Sberbank” works:

Piggy bank: instructions for connecting to the service

"Piggy Bank" from Sberbank will allow you to conveniently, quickly and free of charge set up an algorithm for accumulating your funds in your account.

You can activate the service both at a bank branch and using Internet banking or the Sberbank Online application.

How to connect Piggy Bank through the Sberbank-Online application

Detailed instructions for connecting the service yourself in the Sberbank Online application.

How to connect Piggy Bank via Internet banking

How to connect Piggy Bank through a Sberbank branch

If you were unable to connect the service yourself, then go to Sberbank.

  1. Take your passport and debit card.
  2. Write an application to open a savings account or savings deposit, if you don’t have one.
  3. After you sign and complete all the documents, ask to connect you to the mobile banking service and, of course, the Piggy Bank.

How to connect Piggy Bank by phone

To connect the Piggy Bank from Sberbank without leaving your home, just call the Contact Center operators. Do not forget that you may be asked to speak out your passport details and secret code word. After completing the identification procedure, the operator will give you instructions on how to set up the service.

8 800 555-55-50 – general telephone number of the Contact Center.

+7 495 500-55-50 – telephone number for calls to the Sberbank Support Service for clients who are abroad.

Features of the “Piggy Bank” service

How the completely free Piggy Bank service works – let’s look at the details of this convenient service.

  1. No money on the card? Don't worry, you won't go into the red. You will receive an SMS indicating that funds cannot be debited. After 10 days, if there are no funds on the debit card, the transfer operation will be canceled automatically.
  2. Has the transfer size exceeded the limit you set? You will be asked to confirm this operation via SMS.
  3. The piggy bank will also work on foreign currency accounts. But the accrual will take place in the currency that is set on the debit card.
  4. You can connect as many types of “Piggy Banks” to one card/account..
  5. "Kopilka" works on all types of cards of payment systems "Visa", "MasterCard" and "Mir".
  6. All accounts from which funds are transferred and into which funds are credited must be opened in one territorial branch of Sberbank.
  7. You can change the payment parameters (amount of transferred funds, date of transfer) through the Sberbank Online mobile application.
  8. Each transfer of funds will be accompanied by an SMS to your phone. This is why you need the Mobile Bank service so much.
  9. The piggy bank may not work on all Maestro cards: Before connecting the service, consult with a Bank specialist.
  10. You cannot withdraw money from the Piggy Bank itself.- funds can only be withdrawn from the account for which the service is configured to replenish!

You cannot transfer money from your account to another person’s piggy bank - cash deductions can only be made to the account of the card holder.

How to withdraw money from Piggy Bank

You can withdraw money from this service yourself or with the help of Bank specialists:

  1. In the Sberbank Online application:
    In the “Transfers and Payments” section, select “To your card”.
    Configure the settings for the account for debiting and receiving funds, enter the required amount. Confirmation of the operation - via SMS.
  2. At any ATM or terminal“Sberbank”, select “Transfers” – “Transfers between your accounts/cards” in the menu. Also choose where to withdraw and where to send funds.
  3. At the Sberbank branch, if you have documents, the employee will make the transaction for you. Don't forget your card and passport. Cash out at the Bank's cash desk, if desired.
  4. To transfer funds remotely, contact the Contact Center for advice from a Sberbank operator. After identifying the client, the contact center employee will be able to carry out the operation over the telephone.

If you have connected the “Piggy Bank” to an account without the possibility of partial withdrawal, then in order to withdraw money, you will have to close it and sacrifice interest on the deposit!

How to disable Sberbank's Piggy Bank

Disabling the service via Internet banking occurs as follows:


How much does the Piggy Bank service cost?

Connecting/disconnecting and using the Piggy Bank service is absolutely free.

Can I connect Piggy Bank to a credit card?

No, Piggy Bank connection is only available to a debit card.

Can I connect the Piggy Bank to a card in US dollars or euros?

Yes, the Piggy Bank can be connected to cards with accounts also in US dollars or euros. In this case, the accounts/deposits to which deposits will be made must be in the same currency as the card.

How does the Fixed Amount Piggy Bank work?

From the card to which the “fixed amount” Piggy Bank is connected, on a set date and with a specified frequency (once a week/month/quarter/year), the established amount of deductions is transferred to your account/deposit.

How does the “% of deposits” Moneybox work?

When funds are received on your card to which the “% of deposits” Piggy Bank is connected, a certain % of the deposit specified by you when registering the Piggy Bank is transferred to your account/deposit. Operations are performed in the currency of the debit card account, for an amount calculated based on the specified percentage, but not more than the maximum amount set by you when creating the Piggy Bank. When calculating credits to the card account, credits from salaries, scholarships, pensions, payments and benefits, transfers from other banks and from abroad are taken into account. Transfers between your accounts and refunds/cancellations of transactions are not taken into account. Please call 8 800 555 5550 for the entire list of operations that are taken into account when calculating credits to the card account when the Money Box “% of credits” is connected.

How does the Moneybox “% of expenses” work?

By connecting the “% of expenses” Piggy Bank, you yourself set the percentage of each purchase/transfer/withdrawal that is transferred to your account/deposit. Operations for replenishing the Piggy Bank occur after they are processed, usually within 3-5 days. The transfer amount is calculated as a percentage of the total expenditure turnover on the card account for the day. When calculating expense turnover on a card account, transfer transactions between your accounts, returns/cancellations of transactions, loan repayment transactions with the Bank, and transactions for payment of Bank services (commissions) are not taken into account.

If I spend all the money on the card, will my balance go into minus?

Money is transferred within the balance on the card; if there are insufficient funds within 10 calendar days, the transfer will not be executed.

Will I be able to connect several types of Piggy Banks to one card?

You can connect an unlimited number of piggy banks with different combinations: card account number - “Piggy Bank” type - credit account number.

Can money from my card be transferred to another person’s deposit?

According to the terms of use of the Piggy Bank service, the card and deposit must be opened for one client, that is, you can connect it only for your own deposit.

How can I track my savings?

You can always track your savings yourself in the Sberbank Online system or at the bank office. When funds are credited to your account or deposit, you will receive a corresponding SMS from number 900 (if you have a full package of the Mobile Bank service).

What happens if the amount calculated for the “% of deposits” / “% of expenses” for the Piggy Bank exceeds the maximum amount I specified when creating the Piggy Bank?

In this case, the client is sent an SMS with a code to confirm the execution of the Piggy Bank for the amount exceeding the limit, which the client must send to confirm the debit for a larger amount. If there is NO confirmation from the client within 24 hours, the debit will be for the limit amount specified when creating the Piggy Bank.