How to open a brokerage account with Sberbank: step-by-step instructions and terms of use

In the lives of each of us there have been and will come across cool opportunities to change our lives. Sometimes this opportunity lies on the surface for a long time, as if offering itself to the cause. Some of us pick it up at the last moment, while others will never know that fate gave him a great chance.

One of these chances is the quick opening of a brokerage account with our Russian bank Sberbank. We will look in detail at how to trade on the stock exchange through Sberbank. He is also a mega broker in Russia in terms of the number of clients of you and me, ordinary individuals. In this article I will not prove this, and if you doubt my words, I highly recommend reading my research on this issue here.

1. How to increase your brokerage account from 50,000 to 100,000 rubles. Description in the VKontakte group

2. How to increase your brokerage account from 50,000 to 100,000 rubles. Description in the group In the telegram channel

I would even compare this opportunity to the door to Wonderland in the Tale of Alice. Remember?)) Sberbank opens the door to the world of big money, where any citizen can, by following a number of rules and applying simple tricks, earn themselves amounts of money no less than a top manager of Gazprom.

And for a second, a top manager of Gazprom can receive from 300,000 rubles a month.

Despite the fact that Sberbank has many inconvenient aspects for speculators when trading on the Moscow Exchange, I still recommend it. Well, we’ll talk about inconvenient moments later in the article.

What brokerage services does Sberbank have?

In general, Sberbank positions its brokerage activities precisely as investing. This seems to me to be misleading to many people. In my understanding, investing is the purchase of long-term securities. During this long period, part of the assets can be purchased into the investment portfolio or discarded. And under this slogan Sberbank gives access to:

1. To shares of Russian companies on the Moscow Stock Exchange
2. To bonds of Russian companies
3. To commodity futures
4. For futures and options contracts on stocks, stock indices, and foreign currencies
5. To transactions with Eurobonds on the over-the-counter market
6. To the over-the-counter market, where you can buy shares of foreign companies
7. To invest in ETFs (an ETF is an investment fund that uses investors’ money to conduct transactions in economic sectors)

There is a place to roam, whether for a beginner or an experienced trader. All that remains is to figure out where to actually start. But this is a very broad topic. Let's touch on it partially. But in general, I’m going to brainstorm well in a separate article about trading. Read it, in case you are still dealing with this topic with rose-colored glasses.

Benefits of the deals

Advantages of buying shares:

• a convenient way to profitably invest capital and increase its value;
• dividends from successful companies are constantly growing;
• You can sell it profitably, donate it and leave it as an inheritance to your descendants.

Methods of acquisition by an individual with the participation of Sberbank:

1. In branches of a financial institution. The right to trade is licensed by the Central Bank.
2. Through the stock exchange and other financial platforms with which Sberbank cooperates. Purchasing on the Moscow Currency Exchange and other sites will cost less, since securities are sold at market value. Sberbank offers brokerage services and takes a certain percentage of the transaction.

What you need to do to trade through Sberbank

I have never seen a simpler procedure for opening an account than in Sberbank. But, of course, it is advisable that you have some kind of deposit or card in this bank. I opened a brokerage account online with Sberbank and immediately received a brokerage agreement number, which is needed to set up the same Sberbank-investor. And the next day I received an SMS on my phone with a password.

It turns out that in order to trade through Sberbank, we need a bank account and a smartphone. You don't even need a computer. No, of course you need a computer.

But at Sberbank you can already trade through the small screen of a smartphone through the Sberbank Investor application.

Sberbank Investor application on a smartphone

I don’t think this is a good option for trading, but it does exist. Personally, I don’t like trading through an app. It would be better if he didn't exist. Not only are people already under the illusion of easy money, but they also have access to markets via a smartphone. And now everyone has a smartphone. It is unlikely that anyone will study and understand. Everyone immediately wants millions to improve their lives.

To trade on the stock exchange through Sberbank, it is desirable, but not required, to have an account with this bank.

You can use a computer and a smartphone (tablet) to trade. Can be used together, or separately.

You don't need to be an individual entrepreneur. The broker works with individuals and reports taxes for them himself.

Features of the work of Sberbank

This banking institution dates back to 1841 , when the first savings banks were organized for the population. PJSC Sberbank has become a successful and promising receiver of such cash registers, expanding its activities in new locations every year and acquiring more and more clients.

This financial institution has many branches in various localities and a large staff of employees. Interest in the programs, offers, and services that the bank prepares for individuals and legal entities is constant. Therefore, it is not surprising that there is interest in the institution’s shares and in those who are already its shareholders or investors.

ATTENTION! The main shareholder is the Central Bank of Russia, in its hands over half of the securities.

The remaining shareholder documents are in the hands of private individuals and investors. The institution does not have a single owner, and anyone can join the team of shareholders and owners. The main thing is to meet the requirements for these individuals and make the correct purchase of the stock.

What commissions are there when trading through Sberbank?

Commissions for transactions on the Stock market

Commissions on the Derivatives Market

Commissions on the Foreign Exchange Market

What is the minimum threshold for entering the exchange?

There are no entry restrictions. The very procedure for concluding a brokerage agreement shows that they are ready to open the gates of the exchange for anyone who has enough gray matter in their head to open an account. He is ready to become an intermediary between the exchange and you, even if you only have a pension of 12,000 rubles on your card.

The broker is interested in attracting a large number of clients. Even if they don’t start trading right away. The main thing is to open a brokerage account!

But don't be scared!

The broker pursues its own goals, and we have our own individuals. Therefore, you need to use this opportunity, because not all brokers have a minimum entry threshold. Sberbank does not have such a threshold!

How to open a brokerage account with Sberbank and start trading on the stock exchange

We go to your personal account Sberbank-online. And in the “Other” section, select the “Brokerage services” item.

Click the “Open Brokerage Account” button.

Select the market of interest. You can check the boxes for all markets at once. But if you have now chosen one market, for example: Stock, then at any time you can add other markets for trading through your personal account.

We choose one of the tariffs: investment or independent. I recommend choosing the Self-Paid plan. (In the picture there is a checkmark opposite the Investment tariff. This was the default).

It differs in that you will not receive different reviews and ideas from Sberbank.

And of course you need to choose a card where you will withdraw profits from trading on the stock exchange.

I don’t recommend checking the box next to “use borrowed funds” right away if you are a beginner. You need to learn how to trade first.

Sberbank will definitely offer the opening of an Individual Investment Account. If you decide to open such an account with Sberbank, then it will not be advisable to close it for three years. And the funds that will be in this account can only be used for trading on the Stock Market.

If you want to trade on the Derivatives Market, trading futures or options, you will also need to deposit money into a brokerage account. If you do not choose to open an IIS, then there will be one brokerage account. I recommend doing just that. IIS is a different story).

The purpose of opening a brokerage account is to receive additional income.

Be sure to select “Internet trading in the Quik system” in the next step.

If you decide to install Quik right now, then follow these instructions to read the installation steps from the moment you download the program to your computer. Because the steps for installing Quik from your Sberbank personal account immediately after concluding a brokerage service agreement are slightly different in the first stages.

If you install Quik a little later, then read these instructions from the very beginning.

Methods for purchasing shares by individuals through Sberbank

Citizens who have free funds can engage in investment business through Sberbank.
Currently, the financial institution offers brokerage services in the securities market for clients who wish to make independent decisions and manage capital at their own discretion. The sale and purchase of shares by individuals through Sberbank is a popular service today. About 200 thousand investors throughout the Russian Federation are actively involved in cooperation with Sberbank. They sell and purchase shares and other securities through the institution at any time and from anywhere in the world using an electronic portal.

The client can always use one of the service points (the bank has a wide network of branches throughout the country), where specialists will provide comprehensive information and technical support.

Sberbank has created rare conditions for its clients who decide to make investments and buy shares.

How to fund a brokerage account

Sberbank has no problems with replenishing your account at all. When concluding a brokerage agreement, the bank will provide you with details.

They look quite banal, everything is approximately the same as how we pay bills in everyday life.

We replenish a brokerage account in Sberbank Internet banking

1. We go through the computer to Sberbank-online
2. In the Menu, select Brokerage Services
3. Select item-Top up account
4. Choosing a trading platform
5. We indicate the account from which to write off the amount of money
6. Specify the write-off amount

Replenishing a brokerage account in Sberbank
If you have forgotten the information about trading platforms, here is a reminder for you:

1. Transactions with futures and options are carried out on the derivatives market.
2. The stock market deals with stocks and bonds
3. Transactions with US dollars and euros take place on the foreign exchange market
4. Transactions with shares of foreign companies and Eurobonds take place on the over-the-counter market.

We top up a brokerage account in the Sberbank mobile application

Here, replenishing a brokerage account is even more convenient and can be done at any time.

1. Log in to Sberbank from your phone using your password and select “Payments” - “Others”

Topping up a brokerage account via mobile Sberbank

2.In the search bar, manually using the virtual keyboard, type the phrase “Replenishment of a brokerage account.”

3. A window will appear for filling out the necessary personal data: name of the market (where you are going to conduct trading operations), code of the brokerage agreement.

In mobile Sberbank we select a market to replenish a brokerage account

We confirm all financial transactions via SMS.

Replenishment of a brokerage account through the Sberbank office

1. Come to any Sberbank office
2. Tell the specialist which platform you want to deposit money to and the number of the brokerage agreement.

Topping up a brokerage account from cards of other banks

If you want to top up your brokerage account not from your accounts opened with Sberbank, but from other banks, then you need to come to the bank’s office with these data:

INN: xxxxxxxxxx

BIC: xxxxxxxxx

Correspondent account: xxxxx xxx x xxxx xxxxxxx

Recipient bank: PJSC Sberbank

Recipient's account: xxxxx xxx x xxxx xxxxxxx

Recipient: USOFR

Participant code: xxxxxxxxxx (indicated when making payments from an account opened with Sberbank)

The exact name of the trading system in which you are going to perform transactions (for example, the MICEX Stock Exchange Trading System or the FORTS Trading System)

Contract code xxxxx

How to find out current prices

Owners of securities are always interested in how much they are currently worth, and whether it is profitable to carry out certain transactions with them now. There are several ways to find out the latest price of securities.

You can go to the official website of the banking institution itself. It is also worth using the information on the official MICEX portal. There are also resources that are devoted to various financial topics, including stock trading. The value of shares is also published in specialized printed publications.

Demo account with broker Sberbank

Here's two news for you:

As of January 2020, broker Sberbank does not have the service to open a demo account in the QUIK or Webquik program.

But you can open a demo account in the Sberbank-Investor application.

Although, in my opinion, a demo account with Investor is useless. For me, if you put on a demo, it’s to get acquainted with the functionality of the application itself. I did so, but then deleted it.

Trading through the Sberbank Investor application is a direct drain of capital!

I can’t even imagine how you can sleep peacefully while placing orders there blindly, relying on some kind of non-information graph in a small smartphone window.

Similarities between IPs and ordinary people

To determine common features, it is important to understand what responsibilities and characteristics a citizen has. An individual has the right to participate in any process where he has equal rights with other participants.

This:

We recommend you study! Follow the link:

Can an individual entrepreneur have a name like an organization?

• transport sector;
• production;
• stock exchange operations;
• trade.

Individuals can carry out business transactions, make transactions and enter into contracts on a personal basis.
People are also allowed relationships with organizations. Although an entrepreneur is required to register, the specifics of the work differ from organization to organization.

Signs of difference:

• Document management is carried out according to a simplified scheme;
• An individual entrepreneur is responsible for the offense committed, but to a lesser extent compared to a legal entity. face;
• within the framework of the obligations assumed, the individual entrepreneur is liable with the property belonging to him - similar to an ordinary citizen.

All these factors bring some confusion to the question of who an individual entrepreneur is in Russia, and whether it is wrong to classify him as an individual or legal entity. Today the situation is such that not a single answer can be considered correct.

Trading through the Sberbank Investor application

Installation on a Sberbank Investor smartphone

In order to install the application, you need to go to the website and type “Sberbank Investor” in the search bar.

In the search bar we type Sberbank Investor

The Sberbank Investor application looks like this in Play Markete:

Find the Sberbank Investor application in the Play Market

Click Install, selecting those mobile devices that are linked to your Google account. I did this entire procedure from my computer. And after these manipulations, the “Sberbank Investor” shortcut automatically appeared on the working window of my smartphone.

Sberbank Investor application on a smartphone

Now click on the Sberbank Investor icon on your smartphone. In the window we will be asked for the brokerage agreement number and password.

To enter Sberbank Mnvestor you need to know the brokerage agreement number and password

It is impossible to work in the Sberbank Investor application if you do not have a brokerage agreement with Sberbank.

Well, if you have one, then enter the contract number and request a password by clicking on the “Get password” button below.

In the screenshot above, this button is highlighted in orange.

Here the security system will again ask us for the brokerage agreement number and send an SMS. I was unable to log in using the password the first time. Everything froze, although my Android is very fast and I entered the data correctly. The system never went down.

When entering the password, Sberbank Investor simply froze

A little later I had to re-enter the brokerage account number and password sent in SMS format. The second attempt was successful and I am in the Sberbank Investor system, although not right away. Another SMS came with a more complex password. This is a temporary password generated automatically by the system.

Entering a password to log into Sberbank Investor

After that I was already inside the system. And I immediately click on the bottom panel, selecting “Market” - “Shares”. It takes me here.

This is what Sberbank Investor looks like on a smartphone

Are the charts and loading of quotes in Sberbank Investor delayed in comparison with real trading?

I want to compare how far behind real trading in the app is compared to real trading?

On the screenshot from Sberbank Investor at 17-32 Moscow time the stock quote of Sberbank is 257.13

Current quote of Sberbank shares in the Sberbank Investor application

It took me a few minutes to take a screenshot from the Quik program, where there is no longer a demo version of the site, but a real Quik terminal, where trading takes place in real time without any delays.

In Quik, at 17-34 Moscow time, the current quote for Sberbank shares is 257.08.

The price changed in 2 minutes, but in general nothing lags behind real trading. That's a plus!

Changing settings inside Sberbank Investor

Now let's try to switch the chart from linear to candlestick, or, in the worst case scenario, to bar chart. I didn’t find any buttons or hints to do this.

This is a minus!

The only thing you can do is to switch time intervals by clicking on the round green buttons:

1. Interval: 1 day period/5 minutes interval
2. Interval: 1 week period/30 minutes interval
3. Interval: 1 month period/2 hour interval
4. and so on until the interval: period 10 years / interval 1 month

This is not enough for trading or even investing.

I think whoever developed this application and those who implemented it did it for a different purpose. With the prospect of people switching to trust management. Because no experienced trader will work through this application.

I, never and for any money! You'll quickly lose them all here.

We sell and buy shares through Sberbank Investor

To sell or buy shares of the same Sberbank, you need to click on the green or orange button. Above in the screenshot these buttons are clearly visible, but I’ll duplicate them for you in close-up again:

And do you think you will buy shares after this? No! Throws it into the window where you need to enter the code from the SMS, which should arrive on your phone. By the time I found this SMS in my phone feed and entered it, an eternity had passed.

Sberbank Investor is not suitable for speculation at all!

If we take investing, the meaning in the very name of the application is also not suitable. I don't know how to make a decision based on such graphs. Yes, even on such a small screen, if I have a computer monitor like a medium-sized TV.

But in the “Ideas” tab of the lower menu, investment products are immediately offered: low, medium and high level.

“Ideas” tab Sberbank Investor

Low level of risk in trading through Sberbank Investor

When we click on the “Ideas” tab, we get three levels of investment along with Sberbank. By default, I immediately have “Low Investment” open. Which is also, most likely, not just like that. This should interest clients of any social level). That’s why they immediately write that the income is higher than in the bank and taking into account inflation.

And anyone will most likely think that this is an excellent investment option.

He will say: “After all, with these shares everything is so complicated and there is no guarantee of earnings, but here there is a guaranteed income.”

Let's start with bonds in Sberbank Investor. Here is an example of the first sentence that came up in “Low Investment Levels”:

Let's open the very first one on the list and take a look.

Not a bad option for an investor who knows nothing about investing. And wait only a year. These are approximately the investment ideas offered by Sberbank Investor in “Low Risk”.

And here are the following investment ideas:

Moderate level of risk in trading through Sberbank Investor

Here are the following investment solutions with a recommended investment period of 3 years and a potential return of 10%:

1. US Stock Fund
2. US IT stocks-ETF
3. Chinese company shares
4. German company stock fund

We select this tab and immediately see proposals for investment ideas.

These are already riskier investments for a period of more than one year. And this is already a risk. After all, it is unknown what can happen in three years in our troubled world. One of the investment options is in some kind of exchange-traded fund with a profit in case of rising prices and dividend payments from Chinese young companies.

High level of risk in trading through Sberbank Investor

Here are presented only shares of such Russian companies with a recommended investment period of 3 years and a potential return of 15%:

1. Yandex
2. MTS
3. Norilsk Nickel
4. Lukoil
5. LSR Group

Investments in these stocks are recommended for three years or more. These are already tools where no one guarantees growth. It is only predicted based on the performance of these companies.

Agreement - and no red tape

And then - work as house helpers. But then the question arose: how to properly and legally formalize the relationship between the owner of the house and his assistants. Such questions for RG are not uncommon lately. We addressed them to employees of the Federal Migration Service (FMS) and lawyers in the field of labor law. And this is the advice we received.

Clause 1 - agreement

As Yuri Starodumov, a lawyer at the Center for Social and Labor Rights, told RG, the employer must enter into an agreement with the people he hires. And here there are two options: the contract can be labor or civil law.

If an employment contract is concluded, and this is a document that presupposes a long-term employment relationship, work in a specific profession and according to a certain schedule, then the employer must, firstly, register it with local authorities, and secondly, keep real accounting, because he The migrant will have to make monthly contributions to the Russian Pension Fund (PFR) in the amount of 22% of the amount he pays to the domestic worker, and to the Social Insurance Fund - 1.8%.

To do this, he will have to register with the territorial branch of the Pension Fund of Russia within 30 days from the date of conclusion of the contract and with the Social Insurance Fund within 10 days. Then make monthly deductions there - no later than the 15th day of the month following the month the salary was paid. And quarterly, no later than the 15th day of the second month following the quarter, submit to the Pension Fund a calculation of accrued and paid contributions for compulsory pension insurance and no later than the 20th day of the month - a similar calculation to the Social Insurance Fund.

When concluding an employment contract, the employer must keep accounting records

If a civil contract is concluded, and it involves the performance of certain work, while the employee is not administratively subordinate to the employer and can work in a free schedule, as long as there is a result, then the life of the employer is greatly simplified. A civil contract does not need to be registered with the municipality, and if it is concluded, the employer is not required to make contributions to social funds for the employee. Although the law allows him to do this voluntarily.

As Dmitry Demidenko, deputy head of the department for organizing work with foreign citizens of the Federal Migration Service of Russia, explained to RG, when concluding an agreement - labor or civil law - the employer, be it an individual or a legal entity, must notify the FMS about it within three days. The mechanism is the same as when registering for migration - he can do this either by mail or by personally contacting the territorial division of the Federal Migration Service of Russia. The same applies to termination of employment relationships - information about this must be immediately transmitted to migrant workers, as well as notification of a change in the period of stay of a foreigner.

It is worth noting: when a migrant works for an individual, he is not required to provide the FMS with a copy of the employment or civil law contract. It is enough that the employer himself notifies this department of their presence.

But only! And the employer does not have to go anywhere else, neither register himself, nor report to any departments.

Point 2 - money

The employer's task is to pay the employee a salary. Its size is fixed in the contract. If it is labor and it is assumed that the employee will work the required 40 hours a week, then the payment should not be lower than the minimum wage (5965 rubles per month). Absolutely any amount can be specified in a civil contract.

There is no need to pay income tax for a migrant. In fact, he does this himself, regularly paying a fee for the patent (for example, in Moscow it is 4 thousand rubles per month). You can make contributions either monthly or in advance - by paying several months at once or a year in advance. The patent is valid for a year, but if the migrant pays for it regularly, its validity can be extended for another year. But late payment may lead to the revocation of the patent. This means that the work of guest workers will become illegal. A migrant worker is not required to make contributions to social funds on his own behalf. Although it can if desired.

The employer is given 3 days to notify the FMS about hiring a foreigner

These rules apply to all “visa-free” foreigners from the CIS working in Russia under a patent for private individuals.

Disadvantages and advantages of the Sberbank broker

Minuses:

1. It is very difficult to trade through Sberbank Investor without a book of quotes. Like Russian roulette, really!
2. In Sberbank Investor, you cannot change the type of chart (linear only).
3. For a very long time, through SMS confirmation, the purchase or sale of assets is formalized in Sberbank Investor.
4. There is no access to the St. Petersburg Stock Exchange. And there you can trade shares of foreign companies.
5. Imposing trust management at every step. And in general, there is a feeling that everything is positioned exactly this way, that sooner or later a person will come and ask to trade for him. And you will earn a little more than your bank deposit.
6. It is impossible to close a brokerage account without visiting a bank office.

pros

1. Quickly open a brokerage account without going to the office with queues.
2. When you open a brokerage account with Sberbank, you can then calmly change some aspects of your work without coming to the office (If you initially refused to use borrowed funds, you can check the box to use it. Calmly switch from the “Investment” tariff to the “Independent” tariff. Select or remove some of the markets: stock, futures, foreign exchange. Quick replenishment of a brokerage account).
3. Withdrawing money to a bank account without commission, although this is not even a plus, because we are serviced by the same bank.
4. At the end of 2020, Sberbank abolished the depository commission in the amount of 149 rubles / month - this is a big plus
5. Possibility of trading through the Quik and Webquik terminal.
6. Lack of any denomination in the brokerage account. You can open a brokerage account without replenishing it, and then deposit at least a ruble every month. But all the same, you won’t be able to trade, it’s just almost impossible to buy anything for a small amount, let alone make money.
7. If you do not trade for years, then you will not be charged any subscription fees for the activity of your brokerage account.

Advantages and disadvantages

This financial institution has been operating for a long time in the country's banking market. It has branches not only in the Russian Federation, but also in other countries; several branches have been opened in each locality of the state. The operation of the institution is stable and reliable, so purchasing its securities is a promising and far-sighted decision.

You can receive dividends based on the results of your work for the year, and take part in the work of the bank’s board. It will also be profitable to sell and buy shares due to the constant change in their exchange rate; you can make money from this on the securities exchange.

The only thing that can warn against investment is the unstable economic situation in the country. But regular investment in it will help correct the situation.