Such financial transactions as investing in securities or exchange transactions bring good dividends. But under existing legislation, an individual ( a common person) cannot conduct such transactions. The help of an intermediary is required. Its role is played by a legal entity that has the necessary license to carry out such operations. By the way, this role can be played not only by the company, but also by the banking organization itself.

The trading procedure itself is not complicated, the client simply directs the actions of the intermediary by phone or a specialized trading platform. Funds for conducting various transactions are previously placed on a separate deposit, access to which is available to the investor and the person making transactions. To understand the principles of such investments, it is worth knowing what a brokerage account with Sberbank is, because this bank is one of the few that has such a license.

Sberbank provides its customers with an expanded complex brokerage services

Brokerage account (BCS): the essence of the concept

BCS is a specialized account with the help of which clients conduct various transactions in the field of securities. Moreover, the broker can play two roles in the entire investment procedure. In particular:

1. Act as an intermediary between the seller of securities and the client.
2. Carry out the tasks of the consultant in making forecasts for future profits.

According to experts, investing in valuable shares is the most profitable type of business.

Features of a brokerage account with Sberbank

An intermediary in such financial transactions as trading on the stock exchange is necessary, because, according to the law, only legal entities. To get a stable profit, it is better to open a brokerage account with Sberbank for individual, it is worth considering the important advantage of cooperation with this leading Russian bank. Indeed, under the terms of cooperation, Sberbank independently pays the taxes of its clients from the profits received, thereby saving time and facilitating the process itself.

Opening a brokerage account with Sberbank allows the client to make many financial transactions work-related stock exchanges. In particular, the acquisition:

• shares of foreign and Russian companies;
• bonds of internal loans (also OFZ);
• Eurobonds;
• securities of ETF funds;
• precious metals.

FROM PJSC Sberbank More than 120 million clients actively and fruitfully cooperate with Russia. This financial institution is actively developing and, according to leading analysts, is quite capable of becoming a direct competitor to the leading sites. The main advantages of investing on the basis of cooperation with Sberbank are the following points:

• reliability financial organization(the bank has been operating in the investment market for more than 20 years and has a well-deserved reputation as one of the most reliable);
• an extensive network of branches (structural Sberbank divisions are located in almost every city of the Russian Federation);
• the ability to withdraw profits to a card or personal account;
• the presence of its own multifunctional analytical center, whose employees will always give full advice, including help to assess possible risks and give valuable recommendations on investing;
• the minimum amount for entering the market is not set;
• with the help of Sberbank, any client can make profitable deals even without having certain knowledge and experience for this;
• receiving additional services: assistance in the preliminary preparation of documentation, risk assessment, processing applications by phone calls, etc.

The broker operating on the basis of the Savings Bank has its own name - Quik.

But you should know that with all the undeniable advantages, opening a brokerage account in the leading Russian bank also has disadvantages. For example, carrying out all financial transactions using a brokerage account is accompanied by a write-off of commissions. And the amount of commission for such services is one of the highest in the list of leading brokers.

Established tariffs

Before figuring out how to open a brokerage account with Sberbank, it is worth knowing the amount of expenses that the client will face. This type of financial service has the following tariffs:

• execution of an order given to a broker through a phone call: 150.00 rubles. (moreover, payment starts from the 21st appeal);
• commission expenses for conducting financial transactions on the stock market: up to 0.165% (if the investment does not exceed 50,000 rubles);
• resale of currency: 0.10%, its delivery: 0.29%;
• work with federal loan bonds (OFZ-N): up to 1.50%;
• maintenance of a bank vault (depository): 149 rubles. monthly.

These prices are for independent work by investment. If the client prefers to use the investment tariff, which includes the analytical work of the consultant, then the commission for the purchase/sale of currency and securities will be 0.30%.

How to apply for BCS

Brokerage accounts are allowed to be issued to any clients (both individuals and legal entities). To do this, you should personally visit a banking institution (after specifying that the selected branch provides services of such a plan). You must have a passport with you, bank card and TIN (for individuals). For entrepreneurs, it is worth clarifying the list necessary documentation in advance, it is quite extensive.

If the client, when opening a brokerage account, also opens his own investment account, he gets the opportunity to return 13.00% of the VAT deduction.

The whole procedure for opening the BCS takes about 1-1.5 hours. And it looks like this:

1. The client provides documents to a bank employee.
2. Prepares an application for registration of the BCS.
3. fills detailed questionnaire. It must indicate the method of obtaining future income, the method of interaction with the broker (via phone or online trading system).
4. Signs required paperwork.
5. Opens a personal universal account. Subsequently, its numbering will be used for brokerage registration.

Experts strongly recommend to issue a preliminary universal account. Thanks to him, the client can quickly manage the BCS, and management through a universal account is allowed to be carried out through the personal account of Sberbank-Online. After the end of the procedure, you must take the code table with you. And if the client plans to cooperate with the broker remotely, you should separately acquire a special flash drive (its cost varies between 1,800-2,000 rubles).

Account replenishment methods

According to the terms of the contract minimum amount brokerage account with Sberbank is unlimited. There is also no commission for such a procedure. Replenishment of the account is carried out within 1-2 days. You can deposit funds to the BCS balance in several ways:

• using terminals;
• through the cash desk of Sberbank in the office;
• by bank transfer-online;
• using internet banking.

The amount for crediting can be any, Sberbank does not establish strict rules on this account. But it is advisable not to reset the BCS, but to have a sufficient amount on its balance sheet so as not to miss a profitable offer.

Nuances of use

To work fruitfully with your brokerage account, you should install special programs on your computer and smartphone. With their help, you can quickly contact the broker and interact with him, as well as monitor the status of the BCS. In particular:

1. For phone. It is worth downloading and installing the application from Sberbank (Sberbank-Investor). This program Available for owners of smartphones based on iOS and Android. When authorizing the program, the BCS number is used as a login, and the password should be clarified by calling the bank's call center (for this, you should voice the code taken from the investor's table).
2. For home PC (or tablet). A QUIK service program is required. This application is actively used by experienced investors.

But it is not forbidden to use other applications in the work. Of course, before you make any deal, you should first analyze the current situation. This is helped by Sberbank analysts who send the client a daily list of tips and the optimal strategy for the player's behavior.

How to withdraw money from a brokerage account Sberbank

You can withdraw savings from BCS at any time convenient for the client. To do this, the client creates a withdrawal request through installed application. The transfer is carried out by the method that was previously noted in the contract:

• debit savings card;
• savings bank account;
• personal account.

If a withdrawal is made Money with BCS in the amount of 100,000 rubles, the client is required to confirm the application. Delivery times are extended and take up to 2-3 business days.

BCS service

Sberbank began offering brokerage services to the public in 2011. And it was at this time that Sberbank-Forest was created, a company that took its rightful place among the stock market players. During its existence, the organization has turned into an extensive network, the structure of which consists of subsidiaries of Sberbank organizations specializing in brokerage.

insurance broker

The work is carried out by a subsidiary of Sberbank OOO Insurance Broker. The client receives services in the field of:

• selection of optimal insurance programs and a detailed analysis of possible risks.
• intermediary activities between the insurer and the client.
• maintenance of executed contracts and control over the execution of their conditions.

Trading Broker

Sberbank's subsidiary ZAO Sberbank-AST works with the client. This electronic online platform provides the following services:

1. Implementation of auctions for the implementation of government orders and municipal authorities.
2. Putting up for sale the property of bankrupt organizations.
3. Organization of auctions for the sale and lease of property.
4. Conducting online auctions for organizations with state participation.
5. Carrying out large-scale marketing research, as well as monitoring the pricing market.

Credit Broker

Sberbank Real Estate Center LLC, which provides services of this level, works through online services. It enables clients to:

1. Submit your loan application.
2. Find a suitable property to purchase.
3. Spend state registration housing.
4. Carry out all the necessary calculations without visiting bank offices.

Investment Broker

The representative of this sphere of Sberbank services is ZAO Sberbank-KIB. The company has extensive databases of analytical products, which include reviews of:

• debt securities;
• equity markets;
• financial industries;
• major issuers.

Also, Sberbank-CIB, at the request of the client, places capital on the largest financial markets. Moreover, the company carries out all actions on behalf of its client, providing the latter with a regular detailed report.

PJSC Sberbank, being the main founder of all the subsidiaries represented, exercises full control over their activities.

How to close BCS

Anyone who wants to plunge into this world of business should remember that investing and working with securities is a long-term process. It will not be possible to get instant substantial profit from this type of activity. Therefore, many clients quickly close the BCS without getting the expected effect. But it is also necessary to understand that an unplanned sale of assets can lead to significant financial losses. To close a brokerage account, you can use various methods:

• contact the employees of the call center of Sberbank (8-800-555-55-50);
• fill out an appropriate application in online banking;
• visit the Sberbank office where the BCS service contract was concluded.

conclusions

The work of modern Sberbank is constantly being improved. This gives every reason to believe that the interaction between the client and the bank will soon reach a completely new level. According to leading analysts, opening a long-term brokerage account with a leading Russian bank will actively work for financial well-being and bring substantial profits to its owners.

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How to open a brokerage account: 6 types of brokerage accounts and their features + 10 criteria for choosing a broker. 4 ways to open an account: at the broker's office, in 10 minutes online, through the State Services or at Sberbank.

Russian market stocks are growing rapidly. In 2016, the growth criteria showed excellent results. Dividends were also paid well.

If you decide to jump on this fast train and make money on securities, you will definitely need the services of an intermediary, and, accordingly, an account with a brokerage house.

How to open a brokerage account in the most convenient way for you you will learn from our article.

What do you need to know before applying?

Brokerage account is online wallet and a personal page on the broker's trading platform. It allows you to track information about cash, assets and securities.

There are several types:

The trader also has the opportunity to open trust account, in which the intermediary can trade on his behalf, as well as joint, if there is a need for several owners.

Also, one of the key points with which you must decide at the start is the choice of a broker. You must fully trust him, be sure of his honesty and support. It is also necessary that the terms of cooperation suit you. When choosing your broker, make sure they open the account you need.

Also, there are other equally important criteria:

• Reliability (availability of all permits, age of the company, customer reviews, rating);
• Experience (how many years you have been working and how many clients you have served);
• Work in world markets (if you need it);
• What software does it provide?
• Ability to work with a broker by phone in case of problems with the trading platform;

• Tariff plan, the average commission level is 0.03-0.05% of the transaction amount;

  Some brokerage companies provide a trial free month of cooperation with them. Please note that not only brokers charge a commission, but also the exchange itself and depositories.

• Entry threshold - the minimum amount to start trading, excluding premium brokers, is usually 30,000 rubles, and some brokerage houses have so-called student rates with an entry threshold of 10,000 rubles;
• A demo account is virtual money provided by a broker for the virtual stock market. Allows a beginner to learn how to make deals, try different trading strategies for learning without the risk of losing real money;
• Dealing room - some provide their traders with a workplace - an equipped room with computers and high-speed Internet:
• Tax agent– whether the broker assumes the obligation to pay taxes on your income.

How to open a brokerage account at a broker's office?

In almost all major cities of Russia there are representative offices of the most popular brokerage houses. It always seems more reliable for clients to process documents directly at the company's office.

Before you go to the office, fill out an application for the provision of services on the website of the selected broker and wait for feedback, or simply contact him by phone to make an appointment.

The procedure for processing different intermediaries is different, but usually you need to sign the following documents:

• Application for brokerage services;
• Trader's Questionnaire;
• Agreement to the terms of service;
• Agreement on the provision of a trading platform;
• Agreement for custody services, etc.

To draw up an agreement and open an account with a broker, you will need:

• The passport;
• Money to be credited if payment is made in cash at the broker's cash desk.

Opening an account online

How to open a brokerage account in 10 minutes? - Issue it directly on the broker's website. Almost all modern offices provide such a service.

What does that require:

• Fill out an electronic application on the broker's website, entering your full name, phone number and email;
• Wait for a response from a brokerage representative;
• You will need to send him a scanned passport and TIN and fill out a questionnaire that will be sent to your email inbox;
• You also need to familiarize yourself with the rules for the provision of services by an intermediary and the use of software, agree to them;
• After confirming the opening of an account, transfer money to the specified details to be able to start trading.

How to open an account with a broker using the State Services?

It is possible to open an account with a brokerage office using the government portal of the State Service.

This will require:

• Create a personal profile on the State Services portal https://www.gosuslugi.ru/ To register, enter your full name, phone number or email;
• Confirm registration by sending a letter to your email or phone;
• After registration, enter your profile on the portal and enter the series and number of the passport, TIN, address of residence and registration;
• The data left will be checked, you need to wait until the check is completed;
• Next, you need to confirm your personal profile in one of the ways indicated by the portal;
• The next step is to choose the method of opening an account "With the help of public services" on the website of the broker you have chosen;
• Give permission for the provision of your data to the intermediary by the State Services;
• Fill out a short form of personal data;
• Agree to electronic document management by confirming the action with a code sent to you by a message to your phone;
• Next, the system will independently generate and fill out a package of documents, you only need to sign them using electronic digital signature which is useful for various kinds workflow.

How to open a brokerage account with Sberbank?

Of course, Sberbank is a reliable broker with a fairly convenient system of work. It provides many new features for trading, provides training for beginners, and has a wide network of divisions.

To open an account with Sberbank, you can contact one of the many branches and complete all the documents on the spot. You need to have a passport and TIN with you, as well as money for enrollment.

Or use online service:

1. Fill out an application for a service http://www.sberbank.ru/ru/person/investments/broker_service/req;
2. An employee of the bank will prepare documents for you, an application, a questionnaire - and will contact you;
3. Fill out the documents and send them along with the scanned passport and TIN to Sberbank;
4. Wait for the notification of the readiness of the account;
5. Transfer (or deposit through the cashier) money to the specified details.

You can learn more about how to open a brokerage account with Sberbank at one of the branches or at the service center.

That's all you need to know about how to open a brokerage account.

Of course, the process may differ slightly for different brokers. If something is unclear to you and you have questions, do not hesitate to contact the broker for advice.

Each new client for a broker is an income, so they will be happy to help you figure it out. And your main task is to choose a reliable broker with a convenient system of work and reasonable rates.

How to open a brokerage account remotely?

Full online tutorial in the following video:

And finally, advice: if you are just starting your journey on the securities exchange, choose a brokerage office that provides a demo account for learning how to work with trading tools and practicing tactics and strategies.

The Sberbank CIB corporate investment service offers a number of unique trading instruments for trading on financial markets.

System features

Brokerage services are ordered on the basis of an agreement with Sberbank, on the basis of which a personal account is opened, where funds are placed for trading operations. This requires the download of a special user application (it is possible to use the mobile version). The program is used to submit user orders and transfer them by phone or online to an employee of the consultation center. When choosing a telephone method of appeals, the tariffication of applications is carried out taking into account the current terms of payment for the operator's services.

How to apply?

Brokerage services of Sberbank to individuals are available after opening an account of the same name and a universal account, if the user has a SB bank plastic, the whole process will take 2-3 minutes:

• The employee of the branch will ask you to pass a payment instrument through the card reader and indicate the pin code. This is necessary for automatic user identification.
• Information about the owner of the plastic will be indicated in the contract, and the specified pin code will act as an electronic signature.
• For opening a universal account, you will need to pay a commission of 10 rubles. After the successful completion of the operation, account management will be available through the electronic service "SB Online@yn".
• At the request of the client, it is possible to issue a savings book.
• Additionally, an application for the provision of broker services is made and an investor questionnaire is filled out.

Package of documents:

• Identity document.
• Request.
• Questionnaire.
• Identification code.

A prerequisite is the submission of documentation within 30 days after contacting Sberbank. Brokerage services, the reviews of which indicate the high competition of the bank, due to low commissions and the possibility of conducting transactions through mobile app or stationary device include:

• Two brokerage accounts: currency and ruble.
• DEPO account with a depository.
• A DEPO trading account with a depository (if the trading system of the Moscow Interbank Currency Exchange is selected).

Selection of trading platforms

Owners of a personal brokerage account can participate on the following trading platforms:

1. MICEX Stock Exchange, where trading operations are carried out with securities (stocks/bonds).
2. Futures market.
3. Markets outside stock trading.

Broker services

Sberbank provides a number of services:

• Consulting and drawing up orders through QUICK online trading services or over the phone.
• Work with commodity-unsecured money ( margin trading) - the possibility of using the "margin leverage" in the range of specified limits, which allows you to increase working capital and investment income.
• OTC REPO transactions. Registration of "leverage" secured by securities.
• REPO-overnight - attraction additional income(2% per annum) from short-term placement of securities in personal portfolios of brokerage accounts. The service is available to residents of the Russian Federation with the status of "qualified depositor".

Tariff plan

In Sberbank, 2 methods of charging brokerage services are widely in demand:

• "Active". The higher cost of services is explained by the enhanced level of telephone service. For example, urgent advice on a specific case or execution of orders, filing applications. However, applications are submitted free of charge, and according to the terms of the “self-guided” tariff, payment is 150 rubles. for the application. Online treatment is carried out according to similar tariff plans.
• "Independent". Profitable proposition for enterprising participants in exchange trading who want to manage their accounts online. For this, trading systems are used: FOCUS IVonline or QUICK, which allow you to quickly make transactions and have access to technical analysis of the market. This tariff provides for a small commission for transactions with funds, but all applications are submitted on a paid basis.

Both tariffs have common indicators: with an increase in the amount working capital the level of commissions decreases, but the active account is always serviced more expensively, the difference reaches up to 1%. Other characteristics are similar.

How to deal with an account?

To carry out trading manipulations, funds will need to be credited to a brokerage account through self-service machines or by transfer from a card, after which investors can perform the following operations:

1. Operations to transfer money and securities from a trading account to the main one and vice versa.
2. Circulation of funds between several sites.
3. Cashing out an account.

Operations not related to trade can be carried out over the phone or through the QUICK system. For the convenience of customers, the possibility of contacting the Trade Desk service is provided.