Sberbank VIP client interest on the deposit amount. Sberbank Premier: travel insurance, Priority Pass card, premium cards

For those whose income is not limited to wages, Sberbank offers a range of services that allow them to profit from their own money efficiently and comfortably. Interest rates on deposits have been increased for amounts over one million rubles.

For those who have 1.5 million (for Moscow - 2.5) or more in Sberbank, the Premier package is free.

Clients receive:

• favorable conditions for traditional banking products;
• premium privileges from bank partners;
• free financial services for everyday convenience.

What does Sberbank Premium include? How to get the most out of it?

The essence of the service package

The list of services is extensive:

• Visa Platinum or MC World Black Edition – up to 5 pieces;
• increased cashback on the card when paying in stores for an amount of 80 thousand rubles or more. in the previous month;
• increasing the rate by 0.8% on deposits from 1 million rubles;
• favorable currency exchange rate;
• 20% discount on safe storage;
• Priority Pass;
• Expanded insurance program for travel abroad and in Russia;
• remote consultation with doctors from leading clinics in the world;
• premium consulting and technical support for the bank;
• filling out 3-NDFL.

What is the premium service?

Purchasing a package provides a significant price benefit.

For example, paying separately:

1. Each premium card costs RUB 4,900. in year.
2. Entrance to the Priority Pass business lounge costs 24 euros per person per visit.
3. An insurance policy, with conditions comparable to those obtained through Premier Sberbank, costs more than 3,500 rubles per year.
4. The cost of professionally filling out 3-NDFL significantly depends on the region, on average it is 500-1000 rubles.
5. Finding a doctor for a remote consultation takes time. Costs can amount to hundreds or thousands of dollars/euros. The likelihood of receiving help of questionable qualifications is high.

The cost of the listed services exceeds the annual fee for the Premier package from Sberbank. Receiving the service for free is a significant privilege.

About the level of service

Premium entitles you to skip-the-line service in special luxury lounges. Personal manager:

• has complete information about the accounts and services that the client uses at Sberbank;
• ready to advise on any issue of interest;
• informs about the emergence of new offers and their benefits;
• ready for a personal meeting at the agreed time in the office.

Issues can also be resolved remotely via a dedicated line.

As an advantage, you can purchase federal loan bonds at Sberbank branches with premium service.

Premium card

Main characteristics:

Kinds

The Sberbank Premier service package allows you to receive up to 5 plastic cards without additional payments. They work in international payment systems. Platinum and World Black belong to the premium segment and provide privileges that are not available to holders of classic products.

MasterCard has its own network of VIP lounges at international airports. There is only one of these in Russia, in Terminal E of Sheremetyevo.

Opportunities from Visa:

• medical and legal advice while traveling in all countries;
• doubling the guarantee for goods purchased using the card;
• free admission to art evenings.

Credit cards with reduced %

The premium credit card rate is 21.9%. This is 2% lower than Classic. Using an amount of 600 thousand rubles, you will save 1000 rubles in interest monthly.

Deposits

The product line differs from the general offerings. When the deposit size is over a million rubles, the interest rate automatically rises by 0.8%. Income increases by 8,000 rubles per year for every million.

Favorable currency exchange

The difference between currency prices at bank cash desks and in premium zones is over 50 kopecks for each conventional unit, often reaching a ruble.

For every thousand euros you exchange, you save more than 500 rubles. A preferential rate applies when paying with a premium card abroad.

Safe deposit boxes

There is a 20% discount on safe storage and all related services. The exception is the minimum cost established by the tariff plan.

Priority Pass

The world's largest chain of airport lounges offers guests:

• comfortable sofas;
• drinks, including alcoholic ones;
• snacks;
• wi-fi;
• fresh press;
• in some cities there are conference rooms and showers.

Sberbank clients using the Premier package get access to VIP service for themselves and their traveling companions without additional payments. All lounges offer premium service regardless of air ticket class. To visit, you just need to present your Priority Pass card; no advance reservation is required. It is recommended to clarify in advance the permissible number of travel companions; each hall sets it independently, depending on its capabilities.

Insurance

Sberbank insures Premier clients on all trips to all countries without intermediaries. The exception is the territory within a radius of 100 km from the place of permanent registration. For citizens of foreign countries, insurance does not cover cases that occurred in their home country.

Reimbursable expenses:

• medical, including sports injuries;
• lost luggage;
• Flight delay;
• failure to leave;
• early return;
• Civil responsibility.

The policy is valid for 90 days a year. All embassies accept it when applying for a visa.

The insurance applies to Sberbank Premier clients aged 18–70 years and their travel companions:

• spouse (s) up to 70 years of age;
• minors and children studying at universities;
• holder of an additional card is not older than 70 years.

Medicine

Scan the available treatment documents and provide them to the bank’s insurance company. Within 2 weeks you will receive a conclusion from a specialist doctor from one of the leading clinics in the world. If additional tests are recommended, your insurance will cover up to $500 of the cost.

The Premier client and his family members have the right to consultation. The maximum total frequency of requests is twice a year.

Help with tax refunds

Specialists fill out the 3-NDFL declaration based on the scans of the primary documents you provide. You are entitled to a tax deduction if:

• buying a home;
• pay interest on your mortgage;
• pay for treatment, training;
• participate in charity;
• insure your life;
• transfer money to a non-state pension fund;
• open an investment account.

Civil servants can choose to issue a certificate of income, expenses and property instead of 3-NDFL.

Other benefits and privileges

As an international cardholder, you can access remote technical support around the world 24/7. In addition, payment systems offer a number of privileges to their clients.

MasterCard allows you to connect, which will be credited for all purchases. Received bonus points can be exchanged for certificates from various chain stores.

Visa has a wide partner network among hotels, tour agencies, and outlets. You will receive discounts when paying by card, free incentives such as early check-in, sea views or Veuve Clicquot for breakfast.

How to start using the service package?

Many existing clients with a positive history receive an offer to visit the office to familiarize themselves with the package of services.

You can independently submit an application for registration through the Sberbank website by clicking on the appropriate button on the page with information about Premier services. A minimum of information is required: region, full name, phone number.

You can inform about your desire to use the Sberbank Premier service directly at the branch.

In any case, the manager will agree with you on a meeting time for a conversation and drawing up the necessary documents. Registration takes place in offices offering premium services. Their coordinates are on the Sberbank website. Don't forget your passport!

Client requirements

Sberbank defines the only criterion for Premier clients - age from 18 years. However, there are restrictions when designing individual products:

• credit cards are issued to clients aged 21-65 years;
• plastic requires registration in the Russian Federation;
• insurance applies to clients under 70 years of age.

Terms of use

Sberbank offers a free trial period of 2 months. Upon completion, the service may become subject to payment.

For clients who have a total balance of 1.5 million rubles or more in their Sberbank accounts on the last day of the month. (in Moscow 2.5 million), the premium package of services is free. If the amount is less, a fee will be charged. Tariffing is monthly.

Maintenance cost

2,500 rubles per month are written off if there are no grounds for free provision.

Pros and cons of the package

Advantages of the Premier package:

• price benefit if you use all services;
• servicing the package costs the same amount per year as the Infinity Visa, while the service is more diverse, the privileges are more attractive for most clients, monthly pricing with the possibility of free service in certain periods or throughout the entire period;
• premium service employees are more qualified than in areas of mass customer flow;
• individual approach;
• quick approval of loans, including mortgages;
• the insurance conditions correspond to the policy, which in many insurance companies costs comparable to the Premier package;
• by paying a fixed amount (RUB 2,500), access to preferential rates for an unlimited volume of product (interest rates, exchange rate, safe storage);
• Technical support via dedicated line without long waits.

Flaws:

• the cost of service is high compared to most other banking offers;
• not all offices have service areas for premium clients, you have to travel;
• Increased Thank You bonuses are accrued only when you pay 80 thousand rubles by card in the previous month. and more.

In what case does it make sense to take a package of services?

The benefits of the complex are obvious to those who use:

• premium services for free;
• all services included in Premier.

How to understand the usefulness for others?

Weigh the effect of purchasing the package for yourself. Maybe:

• you are not interested in preferential interest rates because the products are unnecessary;
• a premium card issued outside the package will bring more benefits; for an independent product, increased cashback is accrued regardless of expenses in the previous month;
• insurance provided under Visa Signature is a more suitable product;
• A Priority Pass, purchased separately for a year for 99 euros, is sufficient, or it is not needed at all;
• Visa Aeroflot will provide optimal privileges from the airline, there will be enough of them;
• Remote consultations with doctors are not relevant.

The calculator on the Premier package page of the Sberbank website will help you calculate the efficiency for yourself with high accuracy. You can set the initial data to suit your situation.

Analysis of product reviews

There are a lot of negative responses online. Let us list the main negative theses:

• they impose a service, mentioning at the last moment that this is the Prime Minister;
• they offer an expensive package to those whose income is not commensurate with the cost of service;
• they do not hand over the contract, only a copy of the application;

Attention! Formally, the conclusion of an agreement in the form of an exchange of documents is permitted by law. The client signs that he has read the bank's terms and conditions. Be vigilant, get acquainted, study, demand a copy in your hands!

• difficulties when deciding to refuse services.

Attention! The declared opportunity to terminate the contract through the contact center in practice results in technical failures, delays, and monthly write-offs of 2,500 rubles against the client’s wishes. Refuse in writing, ask for a copy of the application with the bank’s mark!

Positive reviews are more concise, but no less significant:

• existing clients almost unanimously note the special attractiveness of privileges for travelers;
• An extremely useful service for wealthy people.

Some users take a calculated approach:

1. open the Premier package;
2. going on vacation;
3. write a statement of refusal of services, hand over the cards.

Even if you need to pay 2,500 for a month of service, the operation is beneficial when traveling abroad. If you manage to apply for visas, fly (while waiting for flights in VIP lounges), return and terminate the contract during the trial period, it will be masterly.

Conclusion

Sberbank Premier is focused on clients with incomes significantly above average. The bank offers significant privileges to those who are ready to store millions of sums in it and provide the organization with assets.

The terms of the package also leave the opportunity to use the premium service for free as a one-time bonus.

High competition causes the imposition of services on non-target audiences. For example, for the average pensioner or specialist, Premier is burdensome and often useless.

Please read the terms and conditions carefully before signing. Remember that it is difficult to prove the fact of filing an application over the phone or in any other oral form. It is more prudent to have a written copy of the document.

What is Sberbank Premier and First

Service packages for premium clients of Sberbank Premier or First are a special format of personal banking services for clients. They are specially designed for those who value comfort, care about their future and trust professionals.

By activating a premium package of services, the client receives individual service in a comfortable environment from a Personal Manager, increased attention to his wishes, and fast and effective financial solutions of the highest level.

Advantages of Sberbank Premier and First service packages

Features of the premium service and special privileges for clients of Sberbank Premier and First can be outlined in general terms as follows:

Personal manager and dedicated 24/7 telephone information support line;
Special service areas;
Products and services on special, more favorable terms;
Personal financial planning.

01.

Sberbank Premier: range of services in 2020

By becoming a client of Sberbank Premier, you can also take advantage of a special range of services. Today it includes, among others:

1. Card with big bonuses and free service;
2. Deposits with a higher rate;
3. Favorable conditions for currency conversion;
4. Safe deposit boxes with a 20% discount;
5. Free access to airport business lounges with Priority Pass;
6. Travel insurance;
7. Health care services from leading domestic and foreign specialists;
8. Access to premium services;
9. Free assistance with tax returns (A personal consultant will fill out the declaration for you).

Sberbank Premier: cost of service in 2020

The cost of the Sberbank Premier package is 2,500 rubles per month.

The premium package of services will be free for those who hold a certain amount on cards, deposits and Sberbank accounts: 2.5 million rubles.

How to sign up for the Sberbank Premier service package

The package of services is issued only in designated areas of Sberbank Premier with client managers. The service package can be purchased by any client aged 18 years or older.

Sberbank Premier: deposits of individuals in 2020

For clients of Sberbank Premier, individual deposits today have higher interest rates than the most profitable deposits of the bank’s basic line, including those opened online. You can issue a power of attorney for deposits and draw up a testamentary disposition. Opening a deposit for third parties and issuing a savings book are not provided.

Let's consider under what conditions and at what interest rates clients of Sberbank Premier can open special deposits.

Sberbank Premier: “Special Save” deposit

A deposit with a high interest rate, for those who want to receive a guaranteed constant income. Available for registration only for clients with a valid Sberbank Premier / Sberbank First service package.

Conditions

Duration: from 1 month to 3 years inclusive;
Minimum amount: 700 thousand rubles / 50,000 US dollars;
Replenishment: no;
Capitalization: yes.

Interest rates

up to 4.85% per annum in rubles;

up to 1.15% per annum in dollars.

Sberbank Premier: “Special Top Up” deposit

A replenishable deposit for those individuals who prefer to save and regularly set aside funds. Only clients with a valid Sberbank Premier / Sberbank First service package can open it.

Conditions

Minimum amount: - 700,000 rubles / 50,000 US dollars;
Replenishment: yes;
Partial withdrawal without loss of interest: no;
Capitalization: yes.

Interest rates

up to 4.45% per annum in rubles;

up to 0.75% per annum in dollars.

See deposits at the maximum interest rate in Russian banks - overview >>

Sberbank Premier: “Special Manage” deposit

A deposit with the ability to replenish and withdraw part of the funds without losing interest. Only clients with a valid Sberbank Premier / Sberbank First service package can apply for it.

Conditions

Duration: from 3 months to 3 years inclusive;
Minimum amount / minimum balance: 700,000 rubles / 50,000 US dollars;
Replenishment: yes;
Minimum additional contribution: in cash from 1,000 rubles / 100 US dollars / non-cash replenishment is not limited;
Capitalization: yes;
Partial withdrawal without loss of interest: yes, but up to the established minimum balance;

Interest rates

up to 4.05% per annum in rubles;

up to 0.55% per annum in dollars.

Sberbank First: a set of services in 2020

Open the Sberbank First service package and receive not only increased rates on deposits, but also exclusive services:

1. Financial advisor;
2. Preferential exchange rates;
3. Travel insurance for the whole family in the amount of 1 million US dollars;
4. Access to airport business lounges for you and your companions;
5. Increased bonuses THANK YOU.

Cost of the Sberbank First service package

If you have more than 15 million rubles in your Sberbank accounts (for clients in Moscow) / more than 10 million rubles (for other regions), then you can use the “First” service package for free.

In other cases, servicing the Sberbank First service package will cost 10,000 rubles per month.

Sberbank First: deposits of individuals in 2020

By opening the Sberbank First service package, you can arrange deposits for individuals at a higher interest rate. But the conditions are not suitable for everyone, since the minimum deposit amount is quite high.

Sberbank First: “Leader Save” deposit

A deposit with a high interest rate, for those who want to receive a guaranteed constant income. Available for registration only for clients with a valid Sberbank First service package.

Conditions

Duration: from 1 month to 3 years;
Replenishment: not provided;

Interest rates

up to 5.25% per annum in rubles;

up to 1.65% per annum in dollars.

Sberbank First: “Leader Replenish” deposit

A replenishable deposit for those individuals who prefer to save and regularly set aside funds. Only clients with a valid Sberbank First service package can open it.

Conditions

Duration: from 3 months to 3 years;
Minimum amount: 5 million rubles / 150,000 US dollars;
Replenishment: provided;
Minimum additional contribution: in cash from 1,000 rubles / 100 US dollars / non-cash replenishment is not limited;
Partial withdrawal without loss of interest: not provided;
Capitalization: provided.

Interest rates

up to 4.80% per annum in rubles;

up to 1.25% per annum in dollars.

See also savings offers from Pochta Bank:

Sberbank First: “Leader Manage” deposit

A deposit with the ability to replenish and withdraw part of the funds without losing interest. Only clients with a valid Sberbank First service package can apply for it.

Conditions

Duration: from 3 months to 3 years;
Minimum amount / minimum balance: 5 million rubles / 150,000 US dollars;
Replenishment: provided;
Minimum additional contribution: in cash from 1,000 rubles / 100 US dollars / non-cash replenishment is not limited;
Capitalization: provided;
Partial withdrawal without loss of interest: provided up to the established minimum balance;

Interest rates

up to 4.35% per annum in rubles;

up to 1.00% per annum in dollars.

Savings account for Sberbank First clients

An account for free and confident management of money on a daily basis. For clients with the Sberbank First service package, increased interest rates are offered in rubles.

Conditions

Duration: indefinitely;
Currency: Rubles / US dollars / Euro, etc.;
Minimum amount: unlimited;
Replenishment: unlimited;
Partial withdrawal: unlimited;
Increase in interest rate: automatically when the next amount gradation is reached.

Interest rates

in rubles, with the Sberbank First service package

0.01% per annum in Euros, US dollars, Canadian, Hong Kong and Singapore dollars, Chinese yuan, and pounds sterling.

The interest rate depends on the minimum balance kept in the account during the month. The minimum balance calculation takes into account the opening balance at the beginning of the operating day.

See also interest on deposits in the most reliable banks of the Russian Federation - overview >>

Conditions for calculating interest on deposits

Interest is accrued monthly (for the “Special Manage” deposit, the interest rate depends on the amount of the minimum balance);
- The accrued interest is added to the deposit amount, increasing income in subsequent periods.
- Accrued interest can be withdrawn or transferred to the card account.

Conditions for early termination

✓ For deposits for up to 6 months (inclusive) - at an interest rate of 0.01% per annum.

✓ For deposits for a period exceeding 6 months:

When claiming a deposit during the first 6 months of the main (extended) term - based on an interest rate of 0.01% per annum;
when claiming a deposit after 6 months of the main (extended) period - based on 2/3 of the interest rate established by Sberbank for this type of deposit on the date of opening (extension) of the deposit.

In case of early termination of the deposit, interest is recalculated without taking into account the monthly capitalization of interest.

How to make a deposit for clients of Sberbank Premier and First

With the Sberbank Premier and First service packages, deposits of individuals can be made both in the branch and online - via the Internet.

How to make a deposit at the branch

Contact the Sberbank branch in your region with a passport or other identification document.
Conclude a Service Agreement for the Sberbank Premier or Sberbank First Service Package.
Sign the deposit agreement.
Deposit the deposit amount into your account.

How to make a deposit remotely

Log in to the Sberbank Online Internet bank and select the “Deposits and Accounts” section.
Select the “Open Deposit” menu item.
Read the terms and conditions for placing funds and select a deposit. Click Continue.
Fill out the application: select the debit account, the desired interest on the deposit (using the interest rate slider). The fields “Term” and “Down payment amount” will be filled in automatically. Click "Open".
The deposit is open.

Question answer

At first glance, it may seem that a VIP debit card, for example, Visa Gold, MasterCard Platinum, etc. – This is solely a demonstration of the client’s status, his special position and financial capabilities. However, if we look at this issue more deeply, it turns out that premium cards also give their owner certain material advantages (for which, of course, you have to pay). Next, we will show this using the example of elite Sberbank cards and compare the opportunities that each of them opens up for its owner.

Premium cards from Sberbank: brief description

All VIP cards from Sberbank can be divided into 3 groups:

Please note that anyone can purchase the first 2 types of cards (having received approval from the bank after submitting an application), however, in order to connect to the Premier tariff plan, you must meet one of the following conditions (which differ depending on the region):

• Invest from 1 to 8 million rubles (for the capital) and from 400 thousand to 4 million rubles (for residents of other regions) into a Sberbank deposit account.
• Receive monthly transfers to a salary card issued as part of a salary project, ranging from 150-500 thousand rubles monthly (for the capital) and from 50 to 200 thousand rubles (for other regions).
• Over the last 3 years, issue mortgage loans totaling from 6 to 10 million rubles (for the capital) and from 2 to 5 million rubles (other regions).
• Have an average monthly payment on a Sberbank loan of over 50 thousand rubles (for the capital) and over 25 thousand rubles (for other regions).

The Premier package, in addition to the opportunity to issue premium class cards for free, allows clients to be served in offices where there is a special dedicated area for VIP clients, without queues (700 branches in Russia); use the services of a personal manager; use specialized banking products, for example, safe deposit boxes; call the dedicated telephone line of the contact center.

We will talk further about the advantages and disadvantages of the cards provided as part of the “Premier” package, as well as the features of other premium cards, but I would like to dwell on the reviews of clients connected to the “Premier” tariff plan. At the moment, most of them are negative: the bank introduced this package not so long ago, so perhaps it is still “raw”. Most often, clients complain about the inability to contact a personal manager, long waits for feedback, incompetence of employees, etc. (i.e. the notorious “human factor”).

So, let's look at the terms of service for Sberbank premium cards in more detail.

Sberbank Visa Gold and MasterCard Gold cards

Gold class cards offered by Sberbank are available to anyone over 18 years of age. They provide their owner with the same opportunities as classic cards, and are issued and reissued free of charge (only annual maintenance is paid). Additionally, Gold card holders can receive discounts on car rentals from Hertz. The difference between Visa Gold and MasterCard Gold lies in the bonus programs of the payment systems themselves.

By purchasing Visa Gold, you receive additional privileges from the Visa payment system of the following nature:

• The opportunity to seek help from the concierge service, where they will help you organize your trip: choose the best routes and hotels, book air tickets and rooms; will provide information about aircraft flights; They will tell you where the nearest restaurant or store is, etc. They will help you rent a car, arrange flower delivery, book a theater ticket, etc.
• The ability to seek medical and legal assistance while traveling (consulting services provided by the international company International SOS).
• Participate in Visa discount programs.

Important: holders of Visa Gold and Visa Platinum cards can count not only on consulting services in the provision of legal and medical support, but also real assistance. This is an additional – paid – service that is provided abroad and only if 50% or more of the ticket price was paid using a Visa card.

As for the MasterCard payment system, its VIP clients automatically become participants in the Priceless Moscow program. They can:

• Receive discounts when booking hotels, paying bills at partner restaurants, grocery stores, sports complexes, boutiques, etc. (addresses of partners can be found on the website www.pricelessmoscow.ru).
• Receive invitations to closed events.
• Take advantage of promotional offers abroad (hotels, restaurants, tour operator services, etc.).

Comparing the “World of Privilege” programs from Visa and “Priceless Moscow” from MasterCard, it can be noted that the Visa program turns out to be more extensive. It focuses not only on discounts, but also on additional services (both paid and free); Visa also has more promotional offers.

Sberbank Visa and MasterCard Platinum cards

Cards of a higher level and more expensive to service (compared to Visa Gold and MasterCard Gold) allow you to get all the basic features and a number of additional ones. You can apply for a card from a Sberbank Premier manager, and only if you are over 21 years old. Please note that after submitting an application for a card, a manager must contact you within 3 days and inform you about the bank’s decision. Platinum class cards are not issued to all applicants; the bank evaluates the client’s socio-economic situation and only then provides an answer.

Platinum cards from Sberbank provide the owner with the following privileges:

• “Purchase Protection” service: automatic insurance of purchased items against theft, accidental damage, etc. within 90 days from the date of purchase. The insurance amount is $20,000 per year. The insurance partner is RESO-Garantiya and its agent - AXA Travel Insurance.
• “Extended Warranty” service for goods over $50 paid for with a Platinum card (the warranty is doubled, but should not exceed 24 months). The total amount of all claims for the year cannot exceed $20,000.
• Consulting services. Medical and legal support abroad provided by International SOS. The complex of medical support includes counseling the patient, as well as monitoring his condition during and after hospitalization. Legal assistance consists of providing contact details of lawyers abroad, etc.
• Concierge services. Important: the service is provided only to Visa Platinum cardholders. The service is not available to MasterCard Platinum holders.
• Owners of MasterCard Platinum can become members of the closed club of travel lovers NILSEN CLUB, where they will be helped to choose the best routes and organize a vacation in any country in the world (similar services are the responsibility of the Visa Concierge Service employees).

Thus, within the framework of platinum cards, MasterCard is again inferior to Visa cards, especially since concierge services are extremely popular among VIP clients.

Sberbank cards Visa Platinum Premier, World MasterCard Black Edition Premier

Sberbank Premier class products are provided exclusively within the package of the same name, the main advantages and disadvantages of which you are already familiar with. The Visa Platinum Premier card provides the holder with the same benefits as the regular Visa Platinum, and the World MasterCard Black Edition Premier card provides expanded opportunities compared to the MasterCard Platinum. Additionally, holders of this card have access to concierge services.

Also, as part of the Premier package, clients can count on:

• Life and health insurance with a coverage area of ​​“The Whole World” and an insured amount of up to 100,000 euros. This policy will be required when opening a visa and can be used an unlimited number of times. Insurance partner – RESO.
• Bank card insurance. The service allows you to receive an insurance payment if fraudsters use your stolen or lost card (the amount insured is up to 150 euros), and if you are attacked near an ATM (indemnity is up to 1,500 euros).
• Contactless payment for goods and services of the trade and service network using Visa PayWave and MasterCard PayPass technologies.
• Participation in the Priority Pass program, which allows you to use the services of comfortable business class lounges at the largest airports in the world.
• "Insurance at the best price." This type of insurance is only available in the Premier package. If you purchased a product and then saw a similar one, but at a lower price, the insurer will reimburse you for the difference (insurance coverage - 1000 euros).

To understand how much certain card benefits actually cost, let’s study Sberbank’s tariffs.

* The cost of service in the Premier tariff plan is 2,500 rubles/month (30,000 rubles/year), but payment is charged only if the client’s total balance on all current, card, deposit accounts, as well as compulsory medical insurance at the end of the month less than 2,500,000 rubles. The bank also provides clients with a grace period of 2 months from the moment they join the tariff plan. There are also no service fees charged during this time.

Having analyzed Sberbank’s premium card products, we can come to the conclusion that Visa cards are more profitable in comparison with MasterCard, and as for the card level, you should choose based on your financial capabilities and needs. If you have a deposit with Sberbank in an amount greater than 2.5 million rubles, then the best choice would be servicing within the “Premium” package.

For financially independent people who want to emphasize their status and use privileged banking products, a package of Sberbank Premier services has been developed.

In February 2018, the bank launched a promotion to purchase a coupon to purchase a package product for accumulated bonuses. Thank you. The coupon allowed you to purchase a service package without commission for 6 or 12 months. The coupon can be used for purchase until June 30, 2018.

Clients who meet certain financial requirements can become a participant in the program. They differ depending on the region of residence. For example, for the Moscow region they are as follows:

1. the total amount of funds invested in deposits is 1-8 million rubles;
2. The average monthly income on a salary card is from 150 thousand rubles. (over the last six months);
3. size of mortgage loans for 3 years - from 6 million rubles;
4. The average monthly loan payment is from 50 thousand rubles.

In other regions, the financial threshold for joining the program will be lower. When moving to another region, no additional requirements will be imposed on existing participants.

Connecting to the package is free. Depending on the total balance of the program participant, the service may be provided free of charge or charged 2,500 rubles/month.

Payment occurs according to the following principles:

1. The first two months are free of charge.
2. In the third reporting period, a payment of 2,500 rubles is required when maintaining a balance as of the last date of the month of less than 2.5 million rubles. If the indicator is exceeded, use is free.
3. If the Sberbank Premier package is disconnected during the first two months, no payment will be charged, regardless of the balance.
4. During subsequent interactions, in order to avoid paying a commission, it is enough to maintain a total balance of 2.5 million rubles or more for the rest of the month.

As part of the package, the client receives the following privileges:

• issuing cards with big bonuses;
• currency exchange at a favorable rate;
• a line of deposits with higher rates;
• 20% discount when renting safe deposit boxes;
• Priority Pass card for free access to VIP lounges at airports;
• travel insurance policy for the product owner and his family;
• medical services “Second Medical Opinion” and “Cancer Insurance”;
• premium service with a personal manager, a dedicated service area and a separate support line;
• “Personal Consultant” service to provide free tax return assistance.

Cards with big bonuses at Sberbank Premier

Cards in the service package earn more points. Thank you. This is much more profitable than plastics with privileges in one or two categories.

Thank you is accrued in the following amount:

• for partner companies of the bonus program - up to 20%;
• in the “Gas Stations” category and for trips to Gett and Yandex. Taxi - up to 10%;
• in the category “Cafe. Restaurants” - 5%;
• of the value of the receipt for purchases in supermarkets - 1.5%;
• for other purchases - 0.5%.

Increased Thanks are awarded under one condition - monthly spending on cards must exceed 80 thousand rubles.

In addition, the Visa payment system provides an additional system of discounts:

• for business class taxi trips with Wheely and Gett - 20%;
• for Avis car rental - 20%;
• for baggage packaging PACK&FLY - 20%.

As part of the package, the client has the right to issue up to 5 main and additional cards (for 3 persons to the main account) in the Visa Platinum Premier or World MasterCard Black Edition Premier format. The amount of balance on the card determines whether a fee will be charged for its use. In addition to the benefits included in the package, Visa Platinum Premier cards are eligible for the “Extended Warranty” and “Purchase Protection” insurance programs.

The client can also open any Sberbank Gold level credit cards: Master Card, Visa, Give Life Visa and Aeroflot.

Personal manager for clients

When registering a package, the client receives a personal manager who will cooperate with him, advise and carry out any paperwork for the selected types of services. You can also contact Sberbank free of charge via the line for Premium level clients.

If a personal visit to the office is necessary, a privileged client does not need to stand in line with an ordinary employee. It is served in special areas that allow for privacy. They are available in many branches.

VIP lounges at airports

As part of the Sberbank Premier service, clients increase the level of comfort during air travel by receiving a free Priority Pass card. The client, together with his family members, will be able to relax at the largest international airports in 120 countries, regardless of the cost of tickets. In the business lounges, travelers will be provided with cozy seating areas, magazines, drinks, and wi-fi.

Special travel insurance programs and additional policies for the safety of the Visa card have also been developed. The maximum insurance coverage for medical insurance is up to USD 30,000 in Russia and USD 100,000 abroad.

Deposits and investments in the Sberbank Premier package

The Premier service package also includes deposit and loan programs on more interesting conditions than for a wide range of clients. The minimum investment amount is 700 thousand rubles. or 50 thousand US dollars. Interest rates are higher than for deposits opened outside the package:

• Special Top Up: 4.2 - 4.45% (in rubles) and 0.45 - 1.8% (in dollars). With the possibility of depositing any amount during the validity period.
• Special Save: 4.3-4.9% (in rubles) and 0.2-2.0% (in dollars). There is no option for earlier withdrawals or partial deposits to ensure maximum returns.
• Special Manage: 3.9 - 4.15% (in rubles) or 0.35 - 1.48% (in dollars). It is permissible to withdraw money up to the established limit and deposit any amount without losing interest.

Opening deposits is possible through Sberbank Online or through your personal manager.

A program participant receives greater investment opportunities when using an automated financial advisor. Thanks to him, you don’t have to waste time studying the stock market. The technology will calculate an investment plan and automatically manage your money.

Unallocated metal accounts (OMS)

As part of investing under the Premier program, it is permissible to open an impersonal account for the purchase of precious metals or purchase finished bullion. For convenient storage, safes and safe deposit boxes are available.

Personal manager of stocks and bonds

You can also use the services of a manager and portfolio manager for the selected investment option in stocks and bonds:

• With low risks: bonds, deposit, Smart Policy investment insurance program.
• Medium risk: complemented by mixed investment mutual funds.
• High-risk: the portfolio includes stocks that increase profitability.

In addition, you can use the personal financial planning project. At the same time, a qualified manager will clarify goals and wishes regarding profitability, on the basis of which he will help select the optimal portfolio and develop a management strategy.

Loans under the Sberbank Premier program

The credit line of products is offered under several programs, taking into account the intended purpose:

1. For any purpose: from 1 million rubles. at a rate of 11.9%.
2. For housing: from 8.7% for new buildings and from 9.1% for the purchase of an apartment or house from the secondary market. There is a unique offer to take out a housing loan in Turkey.
3. Refinancing: allows you to transfer loans and credit card debts to one bank under one program.

From June 9 to August 31, 2018, a promotion was launched for the purchase of housing in new buildings at an interest rate of 6.7%.

Unlike offers for other Sberbank clients, the Premier service offers not only more loyal rates, but also expedited processing and approval with a minimum of documents.

How to connect the program?

To select types of services within Sberbank Premier, the client just needs to send his phone number on the company’s website. He will be assigned a personal manager who will contact him to clarify his preferences and set up a meeting for a personal conversation and conclusion of an agreement.

After registration, the client is offered options for remote management of his resources through:

1. Sberbank Online;
2. Mobile app;
3. Mobile bank.

Client manager Sberbank Premier (video)

Video review of the features of servicing premium clients - an increased level of quality of communication.

Conclusion

The Sberbank Premier service package allows you to move to a new comfortable level of interaction with a banking institution. Clients receive advantageous offers from the credit institution and personal banking services.

An individual approach, high standards of service, a personal manager, a special service area; VIP clients of Sberbank receive all this and much more. Who are these people and can an ordinary person become a privileged person? What advantages are hidden behind the VIP prefix? Below we will tell you what it means to be a VIP client of Sberbank, how to become one, under what conditions such people are served, and what privileges this status provides.

Sberbank of Russia is considered the absolute leader in terms of the number of clients, including individuals. But the bank’s management does not stop there, and is implementing new programs to reward key people, who today are called VIP clients. The service from these people is always top notch. Exclusive programs, products, services and maintenance services are developed for them. Yes, the cost of such close attention is slightly higher than standard bank services, but VIP status holders have access to a wide range of financial benefits. These VIP service privileges include:

• special conditions for placing deposits;
• maintaining accounts;
• premium packages that include specially designed products and services;
• exclusive tariffs tailored to the individual needs of the client;
• profitable and flexible credit lines;
• personal manager ready to cooperate 24 hours a day;
• premium cards with great functionality (but at a higher cost);
• favorable conditions for minor services (safe deposit box rental, exchange transactions, etc.).

VIP client of Sberbank - what does this mean?

VIP- “veryimportantperson” is an individual who has received the right to certain privileges that can “get” due to high financial status, political activity or other conditions.

The bank views VIP clients differently. This could be a rich person who entrusted the bank with a “tidy” sum and received VIP status for this. Also, VIP persons include clients who use a wide range of financial instruments offered by the bank.

Sberbank designates its VIP clients as individuals who are serviced and use the bank's products in large volumes. Thus, after registering a certain package of VIP services, the client “turns” from an ordinary individual into a VIP person served by Sberbank. Such a “reincarnation” opens up many opportunities not only in terms of profitable service, but also provides unlimited opportunities in the field of shopping, tourism, and trips abroad.

Privileges for VIP clients of Sberbank - what do such persons receive?

Who is a VIP client of Sberbank, we figured it out. Now we will tell you in more detail what privileges and special services such a person can enjoy.

The basis for servicing VIP persons is the legislative framework of the Russian Federation, instructions of the Central Bank, regulatory documents and rules of Sberbank of Russia. The principles of VIP service are based on the main “three pillars”:

• confidentiality;
• convenience;
• personalism.

Having received the VIP prefix, the client “acquires” the following principles of basic service.

VIP office of Sberbank - special areas for special persons

Taking into account the needs of each VIP client, the bank provides a 24-hour manager who is ready to answer all questions that arise, as well as prepare all documents upon the client’s call. Special VIP areas are also organized where privileged persons are served. Typically, such premises are equipped with Internet access, climate control devices, and periodical business publications. The client is offered coffee and served in a matter of minutes. The VIP zone has open access to all services offered by the bank. The client can easily:

• make deposits in any currency;
• cash out “metal” accounts;
• receive and reissue bank plastic VIP cards in any currency;
• perform settlement and cash transactions;
• obtain credit funds;
• rent a locker for storing valuables.

Special Sberbank deposits for VIP clients

Sberbank products developed for VIP clients (Sberbank Premier service package) provide the opportunity to save and increase the client’s financial assets. The bank has developed special deposits with increased interest rates, which are provided to holders of Sberbank Premier and Sberbank First cards. Deposits start with a minimum cash deposit in the amount of:

• 1,000,000 rubles;
• 50000 USD;
• 50000 EUR.

To open such a deposit, the client needs to visit the VIP zone, where a personal manager will answer all questions and help choose the optimal type of deposit. The main VIP savings deposits include:

• Contribution Save. Once the contract is signed, it cannot be terminated before the expiration of the agreed period. This gives the bank the right to use the invested funds at its discretion. “In return,” the bank charges decent interest on the deposit - up to 6%. Accrued interest is capitalized monthly and transferred to the account specified by the client (deposit, plastic card, etc.).

• Contribution Manage. The client has the opportunity to control the deposit amount by replenishing and withdrawing part of the funds without losing interest. The maximum interest rate for this type of deposit is 5.02%.

• Deposit Top up. A savings deposit that provides for the constant deposit of funds. Interest (up to 5.32%) is accrued monthly and, at the client’s request: transferred to any account, issued through the bank’s cash desk, or added to the main body of the deposit.

Savings account for VIP clients

VIP privileges for Sberbank clients are also provided for the normal storage of money in an account. They are encouraged to open a savings account for daily use, on which the balance will earn interest. It opens in any currency, there are no restrictions on deposits and withdrawals. As for the accrual of interest, they vary based on the gradation of the currency that remains in the account.


Accrual is made monthly on the minimum balance present on the account for the current month.

Sberbank VIP card is a distinctive feature of VIP clients

The decision to assign VIP status involves the issuance of a special card. In Sberbank of Russia, VIP cards issued are conventionally divided into three main groups:

1) Gold class. Issued from the age of 18 and is considered a VIP card for the middle class population. These cards provide a bonus program from the issuers themselves (payment systems).

Visa Gold provides for the “World of Privilege” service program, under which the client receives the following package of services:

• participation in discount promotions from Visa;
• receiving medical and legal assistance provided by the international company International SOS during tours and travel;
• the opportunity to get advice from the concierge service, which will help you organize your trip (selecting a route, information about hotels, restaurants, flight schedules, renting a car in a foreign country, etc.).

Master Card Gold. Issuing a card in your name automatically makes you a member of the Priceless Moscow product, which includes:

• promotions for paying for hotels and restaurants abroad;
• receiving discounts on settlements with bank partners (boutiques, supermarket chains, sports complexes, etc.).

2) Platinum class. Has higher requirements for the client. Issued from age 21. After filling out the application form to receive a card, the bank considers the person’s socio-economic status for 3 days and only then reports a positive or negative response to issuing a Platinum class card. Plastic cards can be issued by Visa and Master Card systems with a standard package of services (as for the Gold class). From Sberbank of Russia, clients with Platinum cards receive:

3)Premier class cards. This includes Visa Platinum Premier cards, World Master Card Black Edition Premier. They are issued only as part of the Premier VIP package and have the following set of services:

As for servicing plastic VIP cards, it looks like this:

Advantages of a Sberbank VIP card at airports

In addition to standard VIP cards from Sberbank, privileged individuals can apply for a Priority Pass card. This product will be of interest to customers who need to fly frequently around the world. This card gives access to more than 1,000 business lounges at airports. The program operates all over the world, so Priority Pass card holders have the opportunity to visit VIP lounges provided they have an air ticket (even if it is an economy class ticket).

What does a Priority Pass card from Sberbank give you at the airport? Holders of such a card have the opportunity to relax peacefully in the VIP zone, while taking advantage of various additional services (sometimes you have to pay extra for them):

• drinks and snacks;
• access to WI-FI;
• the ability to recharge a laptop, phone;

Each airport in the world has its own services and conditions for using VIP lounges. They can be found on the official websites of airports.

The Priority Pass plastic card from Sberbank is issued as a bonus “present” to VIP clients who use the Sberbank Premier package, free of charge. Holders of this status can simply contact the bank and receive a Priority Pass card.

Ordinary citizens, if desired, can apply for such a card at one of the tariffs:

• Standard. A one-time payment of 99 USD upon registration will “open the doors” to any VIP lounge located at the airport, but for each visit to such a lounge you will need to pay 27 USD.
• Standard +. The first payment is 249 USD. It allows you to make 10 visits to VIP lounges at airports around the world for free. Subsequent visits will be charged at 27 USD.
• Prestige. The cost of the service package is 399 USD, and access to VIP lounge areas at airports is unlimited.

How to become a VIP client of Sberbank? Conditions for obtaining high status

You cannot become a VIP client at your own request. Special services are offered only after signing documents according to which you are served under a certain package (in Sberbank, this is the “Premier” package). It is also necessary to fulfill at least one of the mandatory “VIP conditions”. So, you can become a VIP client of Sberbank under the following conditions:

• Account balance. Sberbank enrolls clients who have a permanent account balance of 2.5 million rubles as VIPs. This can be a current account or a deposit.
• Receiving a salary from Sberbank. If your employer participates in Sberbank’s salary project, and you receive a monthly amount of 180 thousand rubles or more on your salary card, then within six months you can count on receiving VIP client status. (The conditions are valid for large cities in Russia; for regions, the amount of incoming wages is allowed to be significantly less).
• Opening a deposit. Placing an amount from 1 million rubles to 8 million rubles on deposit can automatically transfer you to the status of a VIP client.

It should be noted that after switching to service under the “Premier” package, failure to comply with the mandatory “VIP conditions” will result in paid service, which amounts to about 2.5 thousand rubles per month.

Let's sum it up

VIPs always and everywhere enjoy special conditions of service, and Sberbank is no exception. There are a number of bonus programs, promotions, and an individual approach for them. Becoming such a client is not so easy, since you need to meet a number of financial standards that make you a VIP person. Basically, this status is given to wealthy clients who value their time. These include business “sharks”, famous people (athletes, showmen, politicians), heads of large companies, and less often top managers.

Sberbank has adopted its experience of working with “high-profile” clients from foreign banks, and today many large businessmen keep their money in a state bank rather than in Swiss banks.

Statistics show that people with average incomes are increasingly being served under VIP programs at Sberbank, so we can hope that an individual approach will very soon become available to everyone. Trust your financial savings to the most reliable bank in the country, and you will certainly receive VIP client status.