Broker Sberbank: reviews. Brokerage services: conditions. Sberbank investor application

Trading stocks is now easier if you have a brokerage account and a smartphone with internet access. This is a great option for making money if you understand the financial market. Earnings can significantly exceed your income on a Sberbank deposit by the same amount. What is the Sberbank Investor Application and what is remarkable about it? Let's figure it out.

Sberbank Investor is a mobile application in which it is convenient to buy and sell shares and bonds of Russian companies. You can buy “a little” of Sberbank, Gazprom, Aeroflot or others and make money on the growth of shares. For example, Sberbank shares grew by 71% in 2016.

Investing in shares is not only an opportunity to earn money, but also the risk of losing part of the invested money. Therefore, we have added investment ideas from the best Sberbank analysts to the application. Experts will tell you where to invest money to reduce risk and get income.

How to start earning money?

• First, you need to install the Sberbank Investor application on your smartphone. You can download the Sberbank Investor application from the link: Android iPhone/iPad
• The next step is to open a brokerage account: this can be done directly in the application itself or on the Sberbank website
• Now we need to fund the newly opened brokerage account
• Last step - Select stocks and securities and invest

The application takes into account and thinks through all possible actions in such a way that it is impossible to accidentally buy shares or securities - every important operation is confirmed by a code from SMS. This way all your investments are protected. In the application, you can look at trends in the financial market and choose a type of investment that is more attractive to you - read news about important financial events without leaving the application. Investors need to understand that returns can be either positive or negative. You should not take the experience of past investments in the financial market as a basis. The financial investment market is constantly changing, so some things rise in price and others fall in price. You must be prepared to accept any scenario for the dynamics of securities growth. It is best to form your investment portfolio from different types of securities - this way you will be able to minimize your risks and increase your income. When you first log into the application, you will be asked to answer a couple of questions to help you determine what suits you best: moderate income with low risk or high income with higher risk.

Get login and password for Sberbank Investor

To obtain a login and password, you need to open a brokerage account with Sberbank: to do this, go to the Sberbank Investor application and click the “Fill out an application to open a brokerage account” button If you open a brokerage account for the first time at Sberbank, you will need one visit to the office to sign contracts. In the future, you won't have to go anywhere. Once you receive your invoices, they will automatically appear in the app within 3 business days. For existing clients of the Bank who have activated the QUIK service and the method of submitting an order with two-factor authorization: 1. Prepare a code table for identification. 2. Call the Bank's Brokerage Services Support department to enable authorization using login and password (without keys). 3. An SMS with a temporary password will arrive within 5 minutes. 4. Download Sberbank Investor from the AppStore to your mobile phone. 5. Launch the application. In the authorization window, enter the agreement code as your login (contained in the notice sent by the Bank by email) and the temporary password received via SMS from the Bank. 6. The application is launched and ready to use. When you log in for the first time, the program will prompt you to change the temporary password to a permanent one. Login- your main brokerage account number. Password Receives an SMS from the bank when opening a brokerage account. If you have opened an account until June 13, 2017, then fill out and submit the form below and receive a password via SMS from the Bank within 15 minutes on weekdays from 09:00 to 18:00 Moscow time. Or get a password from the customer support service by calling 8 800 555 55 51 (be prepared to recite the code from the investor table). This authorization method is available to bank clients who, when concluding a brokerage agreement, chose the “Using two-factor authentication” method of submitting orders. If you suddenly forgot the password for the Sberbank Investor application, then call 8 (800) 555–55–51.

How to top up a brokerage account at Sberbank

A brokerage account with Sberbank can be replenished quickly and conveniently. To do this, just select a debit card and a credit account in your account, and also confirm the operation via SMS. You can start trading in the application with any amount. Now you know how you can earn money if you have time and a brokerage account opened with Sberbank. Investments will help you gain financial independence and make a profit without spending a lot of time per day. The main thing to remember is the main rule of the investor: all investments should be made thoughtfully and slowly.

Sberbank of Russia offers its clients a convenient application - Sberbank Investor. It allows customers to purchase stocks and bonds using a smartphone. The functionality of the application is very convenient, and the service commission corresponds to the conditions of standard brokerage services at the Self-service tariff.

Clients are wondering what the Sberbank Investor application is and what the terms of use are.

The Sberbank Investor application is an innovation that offers clients:

• viewing the status of your own accounts;
• viewing current quotes and stock prices;
• conducting transactions for the purchase and sale of securities.

All savings information is protected. It is possible to monitor brokerage accounts in real time.

Application features

The mobile application is available on smartphones with IOS and Android operating systems. The phone cannot be reflashed, otherwise it will not be recognized and the antivirus program will not allow the application to run.

After downloading the application, you will have access to bonds, shares, and shares traded on the Moscow Exchange. Over 300 issuers available. If there is a need for securities of a certain organization, then you should first check its ticker. A targeted search is carried out.

Buying shares can occur in two modes:

1. According to the market. When purchasing a paper, 2% is charged, and when selling, its value decreases by 2%. This is done to ensure that the request is completed.
2. At its own price. Using this mode, each trader sets the price independently.

If the order at the specified price is not executed, it is canceled and positions are not transferred.

Application pages:

1. Profile. On this page, the user can undergo testing to determine his risk profile. Individual recommendations are formed in accordance with the risk profile.
2. Briefcase. Here the client can see the history of all transactions performed, that is, statistics on acquired issuers are displayed.
3. Market. This page provides an overview of all current issuers. The page is divided into three sections: stocks, bonds, funds.
4. News. Here the user can see all the messages that come from the largest financial portals.
5. Investment ideas. In this section, Sberbank experts give advice and forecasts to clients. You can start purchasing a stock or security directly from the review provided.

Safety

All investments made through Sberbank Investor are reliably protected. All purchase marks are displayed in the user’s personal account and in the custody account. You can also manage your investments by installing the terminal on your computer.

A demo version is offered to clients. In this case, users do not risk personal funds. Sberbank clients have the opportunity to evaluate the functionality of the application and understand all the options offered.

There is another advantage - you can open an individual investment account or an account under standard conditions to take advantage of tax privileges. You can create two accounts and switch between them.

Tariffs and conditions

The cost of servicing a brokerage account corresponds to the cost of the “Independent” tariff. The commission percentage depends on the daily turnover on the market:

• up to 50,000 rubles – 0.165%;
• up to 500,000 rubles – 0.125%;
• up to 1 million rubles – 0.075%;
• over 1 million rubles – 0.045-0.006%.

The cost of maintaining a securities account is 149 rubles per month. The rate is fixed and does not depend on turnover. If no transactions have been made in a month, then no fee is charged.

Dividends and coupon payments are credited to the brokerage account. These funds can be used to purchase new shares and securities.

How to download the application and start using it?

To start investing, you must follow the instructions:

In order to download an application on iOS, you need to enter the name of the application in the search in the Apple Store. The name will be displayed, then click on “Download”.

The application can be installed not only on a smartphone, but also on a tablet with the iOS operating system. If the program does not go through the registration procedure, then test access is provided for a period of 30 days.

During this time, you can get acquainted with all the subtleties. The demo version allows you to monitor stock quotes online. There is also the opportunity to place bids at training auctions. The user has 100,000 rubles on the test account. With their help, it will be possible to carry out several conditional transactions. The system monitors the client’s actions, and based on how he conducts operations, the system will create an analysis of the actions. A proficiency report will be generated.

Application Comparison

Tinkoff Bank has also released an application called Tinkoff Investments. Below is a comparison of the programs:

Thus, Sberbank Investor is an alternative to the trading platform. Anyone can download the application. Purchases of issuers are made in the same way as purchases of goods in online stores. A person can open a regular brokerage account or IIS. You just need to contact the Sberbank office and sign a service agreement.

Customer Reviews

Anna Makarenko, Moscow

“I think the app is not fully developed yet. I tried to make a purchase, but it kept giving me a server error. Am I the only one having this problem? How can I get my money back now? I don’t want them to disappear, and I didn’t put in a small amount.”

Discussion: 5 comments

I tried to buy securities in this application and it gave an error: “The request for trading access did not receive a response from the server.” Technical support responded that to work on Android, a new investor code table (54 passwords) is required. You can get one from the client manager, but it’s not clear how and where to enter these codes. Perhaps the manager will clarify the situation.

Answer

The Sberbank CIB corporate and investment service presents a number of unique trading instruments for trading in 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 downloading a special user application (the possibility of using a mobile version is provided). The program is used to submit user orders and transmit them over the phone or online to an employee of the consultation center. When choosing the telephone method of requests, the tariffication of applications is carried out taking into account the current terms of payment for the operator’s services.

How to apply?

Sberbank's brokerage services are available to individuals after opening a universal account of the same name; if the user has a SB bank card, the whole process will take 2-3 minutes:

• The branch employee will ask you to swipe the 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.
• To open a universal account, you will need to pay a commission of 10 rubles. After successful completion of the operation, account management will be available through the electronic service “SB Online”.
• At the client's request, it is possible to issue a passbook.
• Additionally, an application for the provision of brokerage services is submitted and an investor questionnaire is filled out.

Package of documents:

• Identity document.
• Application.
• Questionnaire.
• Identification code.

A prerequisite is the submission of documentation within 30 days after contacting Sberbank. Brokerage services whose reviews report that the bank is highly competitive due to low commissions and the ability to conduct transactions through a mobile application or a desktop device include:

• Two brokerage accounts: foreign currency and ruble.
• DEPO account in the depository.
• DEPO trading account in the 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 in the following trading platforms:

1. MICEX Stock Exchange, where trading operations are carried out with securities (shares/bonds).
2. Futures market.
3. Over-the-counter trading markets.

Broker services

Sberbank provides a number of services:

• Consulting and preparation of orders through QUICK online trading services or by telephone.
• Working with commodity-unsecured money (margin trading) - the ability to use “margin leverage” within a range of specified limits, which allows you to increase working capital and investment income.
• Over-the-counter repo transactions. Registration of “leverage” secured in the form of securities.
• Overnight repo - attracting 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 investor”.

Tariff plan

There are 2 methods of tariffing brokerage services that are widely in demand at Sberbank:

• "Active". The higher cost of services is explained by the enhanced level of telephone service. For example, urgent consultation on a specific case or execution of orders, submission of applications. However, applications are submitted free of charge, and under the terms of the “independent” tariff, the payment is 150 rubles. for the application. Online requests are made according to similar tariff plans.
• "Independent". An advantageous offer for enterprising exchange trading participants who want to independently manage their accounts online. For this purpose, trading systems are used: FOCUS IVonline or QUICK, which allow you to quickly carry out transactions and have access to technical analysis of the market. This tariff provides for small commissions on transactions with funds, but all applications are submitted on a paid basis.

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

How to handle the account?

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

1. Operations for transferring money and securities from a trading account to the main account and back.
2. Transfer of funds between several sites.
3. Cashing out an account.

Transactions not related to trading can be carried out over the telephone or through the QUICK system. For the convenience of clients, it is possible to contact the Trade Desk service.