What is the minimum balance of Sberbank. Minimum balance in Sberbank for individuals. and legal persons. What is the minimum balance for?

Minimum balance

Minimum balance - the minimum amount that must always be on the card account. The minimum balance serves as a security for the fulfillment by the cardholder of his obligations.

In English: minimum balance

Synonyms: Minimum deposit, Security deposit

English synonyms: trigger balance

See also: Card accounts

Financial vocabulary Finam.

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By placing funds in Sberbank, you can get a certain profit, thanks to the minimum balance. Consider what the minimum balance on an account with Sberbank means, and what opportunities it provides.

Features of a bank account with a minimum balance

To receive additional accruals, it is not necessary to keep your own savings on deposit. You can simply open a current account designed for non-cash transactions and capital storage. With the help of a minimum balance, the money saved in this account earns interest and generates additional income. At the same time, the rate is almost the same as for deposit accounts.
Is this opportunity available to absolutely all investors? No, only legal / business structures and clients engaged in entrepreneurial activities and private practice can use it. But for ordinary customers, another service is available, with the possibility of a similar profit.

Sberbank sets interest in individually. It all depends on the amount of the contribution (the amount on the current account) and the type of occupation. Legal entities can count on the following values and conditions:

The client, wishing to profitably invest his savings in order to increase income, meets with the concept of a minimum balance. In our article, we will look at what constitutes a minimum balance of funds on the balance sheet, and get acquainted with the method of making a profit when opening a current account. We will also study the deposit program with a minimum amount on the account.

Additional income when maintaining a current account

A minimum balance implies the presence of a certain amount of money in the national or foreign currency at the beginning of each calendar month during the period established by the contract.

The minimum balance in Sberbank accrues interest on the amount of money on the user's account. Opening a regular current account allows the client to receive additional income. The interest accrued on the minimum balance is practically equivalent to the deposit rates. The option is available to entrepreneurs, legal entities, individuals in private practice.

How interest is calculated

Interest is accrued monthly on the minimum balance. The received profit is added to the amount of the deposit, thus, the income in the next period becomes higher. The user, at will, can withdraw interest, or transfer to a card.

If necessary, the user can receive funds from the deposit ahead of schedule. In this case, the rate will be recalculated, its value will depend on the term of the deposit and the date of applying for the deposit.

The deposit can be extended an unlimited number of times. As part of the automatic prolongation, the deposit is issued on operating conditions deposit "Save" on the day when the contract is extended.

The percentage is set individually depending on the size of the minimum balance, the term and type of activity.

Legal entities can invest funds under the following conditions:

the lower value of the balance is 500,000 rubles;
the upper limit reaches 100,000,000 rubles;
maintenance period from 7 to 1096 days;
interest is calculated by the 5th day of each month.

Cash can be used for settlement transactions while maintaining the established mandatory balance on the account. You can open an account at the nearest Sberbank office, or through Personal Area Internet banking. A contractual relationship is concluded between the client and the bank, specifying the conditions.

Corporate clients can open an account with Sberbank Business Online under attractive conditions. The characteristics of the minimum balance in the online account are no different from the values in the Sberbank office. Only the value of the rate changes, it is 1.07 times higher than the percentage in the branch. To clarify the current values, users can leave a request in their personal account.

Minimum balance under the deposit program

Private investors who do not entrepreneurial activity, have the option to open the Manage tab. There is a similar option here, assuming the presence of a minimum amount. A deposit is opened for amounts from 30,000 rubles, or from 1,000 dollars or euros. It is possible to replenish the deposit. The term is set by the investor from 3 months to 3 years. The value of the rate fluctuates in the range of 5.85% - 7.31% depending on the term of the deposit and the size of the minimum balance. Not always deposits for a long period are more profitable at rates compared to short-term ones.

When opening a deposit, the user independently sets minimum size funds that must be present in the account. The rest of the money can be withdrawn by specifying the frequency of withdrawal: once a month or quarter.

To calculate the level of income for clients, a special calculator is provided. In the columns of the electronic counter, the values of the investment amount, minimum balance, deposit period, criteria for withdrawing or depositing funds are entered. You can change the values until the result obtained meets the expectations and requirements of the client. As soon as the user has decided on the parameters of the deposit, you can visit the branch of Sberbank and make a deposit. This will require:

submit your application;
enter into a contract;
open an account;
replenish the account by depositing cash or from another account.

You can control profit and the value of the minimum balance through the remote service Sberbank Online. If the client does not yet have access to the personal account, then the bank specialist can be asked for login account information.

The deposit has distinguishing feature. It refers to the maximum possible limit. The amount must not exceed ten times the initial deposit. If the threshold is exceeded, the percentage is halved.

As soon as the deposit agreement expires, you can automatically renew the product. If the client does not wish to extend the deposit, he can withdraw the accumulated funds.

At any time, the user can close the account ahead of schedule. Before this procedure, the client should familiarize himself with the rules for calculating interest on early withdrawal of funds. Of course, the profit will be significantly lower than the planned income.

For short-term programs up to six months, the rate is 0.01%.

For programs for a long time, if the term has not crossed the border of half stipulated by the agreement period, - 0.01%. If half of the expected deposit period has passed, then 2/3 of the rate prescribed in the agreement will be charged.

Conclusion

You can increase your savings by maintaining a current account with an established minimum balance, or by opening a deposit with a minimum limit. Users can manage their accounts and monitor the level of return on investments through their Sberbank Online personal account. This opportunity is provided to both individuals and organizations, individual entrepreneurs.

When the client of the bank is a legal entity, individual entrepreneur or an ordinary citizen - opens a deposit or a deposit in financial institution, he often encounters the option of a minimum balance for bank account. Sberbank also offers its depositors a similar option. Bank employees assure that accounts that provide for the establishment of a minimum balance of funds allow customers to receive additional income and involve a lot of other preferences. Indeed, when opening current accounts, deposits, clients very often stipulate a minimum balance on the deposit. What is it, what advantages does this option imply for a depositor, what is the procedure for opening such a deposit - all these issues should be considered in more detail using the example of Sberbank.

Minimum account balance: what does it mean

You need to figure out what a minimum balance on a deposit is. Sberbank, like other banks, calls the minimum, minimum allowable balance of funds a clearly defined amount of money, less than which the client account balance cannot be. This takes into account cash balance as of the beginning of each day (calendar) during the period, the total duration of which is negotiated with the bank. In other words, the depositor must ensure that on each new day there is an amount of money in his account that exceeds the established level of the minimum allowed limit of funds. For the amount of the minimum balance in domestic rubles or any foreign currency, deposit interest which means additional income.

Thus, opening a regular current account creates conditions for the client to earn additional interest. Its value, apparently, is not much different from the interest regularly accrued on deposits. Take advantage of this option in Sberbank, as mentioned earlier, can different types clients:

ordinary citizens in private practice;
registered as individual entrepreneurs;
legal entities (organizations, enterprises, institutions, companies).

The minimum balance on the deposit provides additional income

Settlement account with a minimum balance: Sberbank's offer

Interest on such an account is calculated in the bank as follows:

Interest is calculated every month.
Monthly accrued interest is automatically added to the deposit amount, which leads to an increase in the base for their calculation in subsequent periods. As a result, it significantly increases the income of the client (depositor). This practice is called interest reinvestment.
It is possible to withdraw (withdraw) accrued interest. In addition, interest income can be transferred to the customer's card.

Early termination of the bank account agreement is permitted under the following conditions:

The client is given the opportunity to receive money before the end of the validity period of the relevant agreement. If any unforeseen circumstances or need arise, the client can always withdraw his own funds in full.
If we are talking about the termination of a deposit opened for a period not exceeding six months, then the annual interest rate at the level of 0.01% is applied.

For deposits with a validity period of more than six months, the following annual interest rates are applied upon termination:

if the client withdraws money during the first half of the main (extended) period, then a rate of 0.01% is applied;
if the withdrawal of funds is carried out by the client after the end of the six-month period within the main (extended) term of the relevant deposit, then the interest accrual is applied in this case at the level of 2/3 of the rate provided by the bank for this type of deposit as of the moment of its opening (extension).

An important nuance - if the client closes his Bank deposit ahead of schedule, when recalculating interest in this case, the monthly reinvestment of interest accruals will not be taken into account.

The extension of a client account in a bank is carried out according to the following principles:

The prolongation of the agreement in automatic mode is carried out by the bank with those parameters (conditions, annual rate) that are actually valid for a savings type deposit at the time of such renewal.
It is allowed to prolong the agreement an unlimited number of times.

You can open an account with a minimum balance in Sberbank by personal contact or through Sberbank Online

Basic parameters of an account with a minimum balance

The rate is set by the bank on an individual basis, taking into account the type of activity of the client and the amount of funds used. The service is provided for legal entities on the following terms (parameters):

The minimum minimum balance on a current account with Sberbank (minimum balance limit) is 500 (five hundred) thousand rubles.
The maximum balance of funds is 100 (one hundred) million rubles.
The duration of the validity period is a minimum of 7 days, a maximum of 1096 days.
Interest income at the prescribed rate is accrued monthly - before the fifth day of each month.
The minimum limits for placing money in foreign currency are set by the bank at levels of 20,000 american dollars(USD) and 15,000 euros (EUR). The maximum allowable amount of such placement is 10 (ten) million USD.

The funds on the current account may be used to perform regular operations (transactions, payments) while maintaining the minimum allowable, irreducible balance limit.

Such an account can be opened both at the bank office with the submission of an appropriate application, and remotely through. An agreement stipulated by the regulations is concluded with the bank, which describes in detail the procedure and rules for business relations, the powers and obligations of the parties.

The accrual of interest on the minimum balance on the current (settlement) account of a legal entity is a specific banking service for business, which allows you to receive additional income from funds placed directly on the current account. The principle of operation of this financial instrument is quite simple: an irreducible limit is set on the current account of a legal entity at the initiative of an entrepreneur, provided that the bank accrues interest on the account and pays interest income in accordance with the concluded agreement. It is important to understand that in most cases "minimum balance" is a conditional term, since the company can withdraw money at any time. In this case, if the account balance becomes less than the established limit, the bank will not charge interest for this period.

Why do you need a minimum balance?

The main task that this product allows to solve is to provide additional income from the company's temporarily free funds that were not placed in any other way. In order for money not to “stand”, being affected by inflation, it must be in operation. An irreducible balance is one of the safest ways to protect monetary assets from inflation and receive a small interest income, which will slightly reduce the financial burden on the company.

Benefits of a minimum account balance

On the financial market In Russia, this service is very popular, as it allows you to get, albeit a small, but tangible inflow additional income without any significant manipulation. The main advantages that an irreducible balance has are as follows:

Easy start. As a rule, Russian banks allow you to set a minimum balance on the account at the request of the client. There is no need to open a new account, as is the case with a deposit. The whole procedure is much simpler than when opening a deposit.
The liquidity of the company's current account does not decrease. If the deposit involves a long-term blocking of funds, and even if there is a possibility of early withdrawal of funds, delays cannot be avoided, then the minimum balance is imposed on the current current account. At the same time, in case of emergency, you can always withdraw these funds instantly.
Increasing financial discipline. The company gets used to work, leaving a certain amount of cash in the account, which allows you to secure the company in the future. The fact is that the policy of "scorched earth", when current accounts contain only the amount of funds sufficient to cover current liabilities, often leads to various problems, up to the threat of bankruptcy. Having a certain part of the current account as a quasi-deposit, financial management the company becomes more disciplined.
The presence of a financial incentive reinforces the desire to keep reserves intact. Alas, the domestic practice of doing business demonstrates the lack of desire of entrepreneurs to form a financial "airbag". The placement of funds is relatively reckless, about indicators financial stability are constantly forgotten. When your own current account begins to generate income, this will become an incentive for the formation of the notorious "airbag".
Convenient access to manage your funds. Among the various financial instruments this option can be considered the easiest to manage: you just use a current account, but also receive income from it.

Minimum balance in practice

Domestic banks offer homogeneous conditions. Basically, both Moscow banks and other Russian banks offer rates from 1-2% to 5-6%, depending on the amount and term of the limit set, that is, about half as much as deposit rates. It should be noted that in most cases ruble deposits accepted against a minimum balance. If you want to place dollars, euros or other currencies, a classic deposit of a legal entity would be preferable.

There are several practical varieties of minimum balance in the domestic financial market:

Hard deadline. In this case, the contract is concluded for a certain period. A limit is set for this period and is set interest rate. Interest is paid at the end of the period, for all time. If the limit has been violated, interest is not paid or paid at significantly lower rates (they can be called purely symbolic, since most often they do not exceed 1%). The advantage of the solution is more high percent than in other options.
floating term. In this case, the contract is concluded for an indefinite period, and interest is accrued only for those days when the account had the amount specified by the established limit. Violation of the limit results in the loss of interest income for the day when the limit was exceeded. Payment is made at the end of certain periods, for example - monthly.
Public minimum balance. Unlike the first two cases, banks independently set certain limits for current accounts, which allow you to receive interest income. For example, already when opening a current account, the agreement may contain an “interest pyramid”, which indicates the amounts and corresponding interest paid monthly if the account has the indicated funds.

Depending on the specifics, different enterprises may choose different implementations of the product. For example, industrial enterprise can well afford a minimum balance with a fixed deadline. A trading company may be better off with a public minimum balance.