How to make money at Sberbank: on deposits, gold, card

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• Common withdrawal options
• Earning options
• Avito
• Remote work
• 8 ways to earn money
• Website Helper.ru
• Questions
• Kwork
• Advego
• SEO-stream
• Relevant Media
• Blogun
• Google.Adsense
• Withdrawing funds to Sbercard: where to exchange money?
• Currency exchange in the Sberbank Online service
• How to withdraw money from Yandex, Qiwi, WebMoney wallets using exchangers?
• Transfer from Yandex Money to card
• Conclusion
• Video on the topic

Almost every modern Russian citizen has a Sberbank card at his disposal. This is one of the most popular banks. Cash transactions are carried out quite quickly and with a minimum commission.

That is why many users, in the process of searching for income online, are looking for options that include the possibility of withdrawing funds to the card of this particular financial institution.

Common withdrawal options

There are quite a lot of different platforms on the Internet for receiving money. They are suitable for many not only due to the functionality presented, but also due to the output features. Making a transfer to a card is much faster and easier than making transfers through the usual standard wallets.

Even if you choose a certain resource for earning money, which does not have a direct withdrawal, but a wallet, this is also not a problem. Money can also be transferred from the payment system to Sberbank using various exchangers or internal functionality.

So, let's study the features of earning money on eight proven sites where you can withdraw your earnings directly to your Sberbank card. All presented options will not require any financial investment. All you need is an option.

Earning options

Using the presented resources and methods of earning money from them, learning and improving, you can earn a couple of thousand a day. Moreover, you will not have to work seven to eight hours, 2-3 hours a day is enough.

What is the work that will take 2-3 hours a day? Here you can use two ways to make a profit at the same time:

• partnership with Avito;
• distant work.

Each option is worth considering in more detail.

Avito

This is an ideal platform for finding clients for certain services. Moreover, the resource does not require any investment. All that is required from the user is to submit advertisements. To understand how to earn money and according to what scheme, it is worth considering a real example.

For example, few people who want to make money online understand how to create resources. But this does not prevent you from finding clients who would be willing to use such a service. Finding clients is very valuable. Sometimes a person can be an ideal master, but at the same time he cannot sell himself at all, his skill remains unclaimed, and accordingly he does not receive any income.

People who volunteer to help find clients for a certain percentage turn out to be a real goldmine for such masters. The essence of such earnings is that a person who places ads on Avito searches for and brings clients to the site developer. He, in turn, transfers him from 10 to 20% for the cost of the work he will perform. The transfer is carried out to the card.

Earnings on deposits in foreign currency

The second way to make money on Sberbank Online is to open a deposit in foreign currency. The point here is that the exchange rate between the dollar and the euro is constantly growing, and the growth of the dollar is faster than the euro, which means you can really make money on the exchange rate difference. First, you will need to open one of the deposits that were listed above, only not in rubles, but in foreign currency.

The terms of these deposits will vary significantly. The minimum amount is 100 dollars or euros, and interest rates range from 0.1 to 0.8% per year. Accordingly, they are subject to the same conditions as ruble accounts. To open an account in a foreign currency, you do not need to open a card in a foreign currency; money can be debited from a ruble account or a card in domestic currency and converted at the rate at the time of opening.

Please note that on the main page of your personal account you will find the foreign currency exchange rate for every day.

There are several disadvantages here. The first of them is a low interest rate on deposits. The second disadvantage is the risks, because the value of foreign currency is unstable, it can rise or, conversely, fall depending on many factors, which means the investor can either make good money or remain at a loss. And the last drawback: the cost of buying and selling currency varies significantly; when you open a deposit, you buy currency from the bank, and when you close it, you sell it, but at a lower cost.

Remote work

This will require certain skills and abilities in one area or another. For example, you can: Set up advertisements. Upload products to catalogs. Connect them to Yandex Market.

These are quite important processes, so they pay money and almost always immediately to the card. Even if you don’t have such skills, it’s worth learning. It will take a little time and a minimal amount of money. But this is a direct opportunity to become a great specialist who earns decent money online.

To perform some simple work, it is absolutely not necessary to take months-long courses. Everything is quite simple. You can safely take some specific orders and immediately figure out how they are carried out. Here is an example of earnings according to this scheme.

A person who submitted an advertisement that he was engaged in advertising on the Internet received an order to connect a one-page website to Yandex Market. At the time of accepting the order, he did not know about the completion of this operation. I took the order. I found lessons, a couple of articles, and figured out how to do it. I completed the order and received the money.

It took 3-4 hours. During this time, the person working remotely not only earned money, but learned new skills. Thanks to them, he will be able to take similar orders, easily complete them, and earn even more.

Having learned certain skills, you can look for customers on the same Avito site. Additionally, they are looking for work on freelance sites. You must always take action, try something new and everything will definitely work out.

Advego

This is a popular text exchange where you can sell articles and complete small tasks related to social networks.

To get started, simply register, fill out your profile and select the appropriate task from the list provided.

The list of tasks is in the “Work” section. There are two types of assignments: tenders and open. In the first case, a person only submits a request for execution and competes for the customer’s attention with other participants in the exchange. He may or may not be chosen as the performer. In the second case, the task is automatically sent to work.

To increase your chances in the tender, it is worth pointing out your experience in performing such tasks and, possibly, providing examples of work. By the way, this type of orders pays higher than open ones.

The artist's profile contains statistics that affect his reputation. It is advisable to submit assignments on time or earlier, and also to refuse accepted work as little as possible.

To receive funds, you need to collect a certain amount. It does not exceed 500 rubles . The average income per day is about 300 rubles. Therefore, it is possible to withdraw your first earned funds quite quickly.

By the way, you can get your earnings not only on a card. The site also works with services like WebMoney and Qiwi.

I can’t withdraw money to my card, what’s the reason?

Despite the prevalence of the WebMoney system, sometimes difficulties arise with the withdrawal of funds.

The causes of problems may be:

• carrying out technical work on the site;
• insufficient funds on the WM account. Often the user does not take into account the commission;
• discrepancy between the card account data and the data provided when issuing the certificate;
• WMID blocking.

The solution to difficulties is to contact technical support or Arbitration when an account is blocked. The feedback form asks you to select a problem from the proposed list or briefly formulate it if there is no suitable option.

Next, you need to write a detailed letter. It would be useful to attach screenshots.

The average waiting time for a response is 2-3 days after submitting an application for assistance.

SEO-stream

This is the so-called mailer. Here you can earn money by completing simple tasks:

• reading letters;
• viewing advertisements;
• browsing the website;
• clicks;
• etc.

Such projects rarely allow you to withdraw funds to a card. However, this site was a pleasant exception.

In addition to completing tasks, you can earn money in another way : become a member of the affiliate program. In this case, the user invites other participants (referrals) to the site and receives a certain percentage of their spending or earnings for this.

To do this, he is given a referral link with a unique identifier code, by which the system understands that the new participant came from a specific user.

Links with a personal identifier can be posted on forums, social networks, as well as on other sites. For example, advertise them in articles.

A nice feature: you don’t need to reach a minimum amount to withdraw. However, the user cannot withdraw more than 500 rubles at a time.

Earnings on deposits

Surely everyone knows what a deposit is, it is an investment of personal funds into a bank account at interest. Today it is possible to open a deposit account without visiting the bank and signing an additional agreement. Moreover, there are several proposals for deposits, namely:

• Save Online - amount from 1000 rubles, rate from 4.85% to 6.65%, period from 1 to 36 months, extension provided, no replenishment, interest capitalization is available;
• Top up Online - amount from 1000 rubles, rate from 4.65% to 6.15%, period from 3 to 36 months, prolongation is provided, interest capitalization and replenishment are available;
• Manage Online – amount from 30,000 rubles, rate from 3.95% to 5.85%, term from 3 to 36 months, extension provided, replenishment available, no capitalization;
• Savings account - the amount is not limited, the rate is from 1.5% to 2.3%, the term is unlimited, there is no capitalization of interest, replenishment is possible;
• New level – amount from 10 thousand rubles, rate from 6.6% to 7.2%, period of 6 months, capitalization is provided, replenishment is not made.

Please note that the rate depends on the amount and term of the deposit; you can familiarize yourself with the rates and conditions on the bank’s website or in your personal account.

So, how to make money on deposits in Sberbank? Quite simply, you need to choose the offer that best suits your desires and capabilities. That is, for example, you have a certain amount of free money, as well as the ability to replenish your account monthly, then Replenish and Manage Online deposits will be beneficial for you, since according to the conditions you can deposit money from the card during the term of the agreement, and after expiration of this period, the agreement is extended for the same period.

If you want to receive profit from investments monthly on the card, then it is wiser to choose another offer. By the way, for all deposits, except for “New Level”, interest payments are provided, but in this case there will be no capitalization. If you want to calculate the profitability of your deposit, go to the bank’s website and use the online calculator, this will help you quickly calculate the potential income from investments.

Types of deposits in Sberbank Online

Relevant Media

This platform works with freelancers who specialize in editing, article writing, etc.

To get started, you need to create and fill out an account and submit an application confirming your intention to become a participant. For example, work as a copywriter. If the administration accepts a new user into its staff, he will be immediately offered orders.

Before you start, you should read the terms and conditions. And check your texts carefully. Otherwise, the artist may be blocked.

Today, three types of tasks are available to users:

• standard informational or selling article;
• review;
• recipe or instructions.

On average, the fee for one order is approximately 150-200 rubles. In this case, income tax of 13% is deducted from the funds earned. The site takes care of this, so the percentage is calculated automatically.

Editing pays less than writing articles. However, there is not much time investment here either. On average, the fee for such an order is 15-20 rubles.

The service has been operating for a long time and pays out earnings fairly. Including to a bank card.

Advantages and disadvantages

I have already mentioned many of the pros and cons of the Sberbank broker in the article. I will collect them in one place to make it more convenient to analyze and compare with other intermediaries.

Advantages:

• reliability of the bank and broker;
• the ability to open a brokerage account online, without visiting the office;
• no minimum deposit;
• some of the lowest commissions on the market and no account maintenance fees;
• For some investors, the ability to trade through QUIK will be a big plus;
• instant replenishment without commissions from a Sberbank card.

Flaws:

• inconvenient mobile application “Sberbank Investor”, where there is no order book;
• lack of a computer version of the trading platform with simpler functionality than QUIK;
• there is no access to the St. Petersburg Stock Exchange - pay attention to this minus if you want to trade shares of foreign companies;
• complaints from traders about frequent technical failures in the application (I have never had such problems, but I trade no more than once a month).

The broker is a tax agent, so he takes upon himself all issues regarding the transfer of taxes to the budget. This is done either at the time of withdrawal of money from the brokerage account, or at the end of the calendar year.

Blogun

This is a popular platform for promoting blogs, communities on social networks and other Internet platforms.

Here they pay a monetary reward for posting articles with links. For this, it is useful and convenient to have your own blog that meets certain requirements. Some of them:

• The number of blog visitors must be at least 20 users per day. This is a fairly low traffic, which is easy for even small young projects to get. However, the larger the blog's audience, the better. The amount of earnings depends on this.
• The blog must have a minimum of 20 posts. The same applies to pages that are already indexed by major search engines.
• The user must confirm his rights to the blog. To do this, you need to place a special “verification” post on your blog, and also place in it a link that the site itself provides.

The conditions are quite easy to fulfill and are suitable even for novice bloggers who have recently begun to explore the Internet space.

After these conditions are met, you can start working. At the moment, two types of earnings are available to system participants:

1. Placement of advertising posts on your resource. The site itself offers them. You just need to choose the right one.
2. Participation in the affiliate program. The user is given a personal referral link with a unique code. People who become members of Blogun by following this link are considered referrals. The inviter will receive a percentage for each referral. If an advertiser becomes a referral, the user receives a percentage of the replenishment amount. If this is the performer, he charges a percentage of the withdrawn funds.

As a rule, the first method is more profitable and simpler. In this case, there is no need to look for sites to place affiliate links and build a referral system. It’s enough just to start a blog and acquire a regular audience.

In most cases it looks like this. The advertiser draws up technical specifications and places his order on Blogun. Usually you need to write a post/article and place a specific link to a product or service in it. The blogger performer selects tasks that suit him and reports on the work done.

You can use both ways to earn money. In this case, the affiliate program will serve as a kind of bonus to your main income.

Creating a blog is quite quick and easy. The main thing is to choose a suitable topic and not neglect promotion.

It is most beneficial to have a blog on your own website. To do this, you will need to register a domain and select hosting (the place where the site will be hosted). Both services are paid, but do not require a large budget.

If you don’t have the energy and time to create a website, you can choose ready-made blog platforms. Most popular:

• Blogger.com;
• Liveinternet;
• Livejournal.

In order for your earnings to be higher, it is important to follow a number of rules. First of all, the content must be unique. That is, you cannot use texts that are already on the network. This way, search engines will be more loyal, and the blog will receive higher positions in searches.

Blog materials should be interesting and meet the needs of the selected target audience. It also doesn't hurt to think about the keywords that people will use to find your blog content. It is advisable to select not too popular Internet queries so as not to compete with large sites. If these conditions are met, you can start earning income pretty quickly.

Google.Adsense

As the main source of income, the service allows you to earn a decent amount without investment. There is a possibility of withdrawal to Sbercard.

To work with the program, you must have your own microblog on the Internet.

The user has several ways to earn money. The most used is posting contextual advertising. A block with advertising corresponding to the theme of the site is placed in any of its sections.

Of all the existing options for withdrawing money, the most optimal is withdrawal to a bank card. Due to the absence of commission and speed of transfer, withdrawing money to a card is the most convenient.

To access the withdrawal of funds, you need to accumulate at least $100 in your account. The system automatically withdraws money when this amount is credited to the account. If desired, you can delay the payment to accumulate a larger amount.

Popular website destinations:

• Automotive business.
• Cinema.
• Insurance services.
• Hotel business.
• Loan services.
• Educational sphere.
• Entertaining content.

Upon achieving significant income, it is recommended to register as an individual entrepreneur. Paying taxes will help you avoid problems associated with your activities.

About the commission

Commission payments take up a significant portion of the total amount, and they vary depending on the chosen method. So, exchangers can ask for up to 15% of the transaction amount, but it all depends on the site’s rating and the speed with which it deposits money. Cryptocurrency exchanges provide services for a commission that rarely exceeds 2%, but it is most profitable, from the point of view of overpayment, to use WebMoney, the average commission is 0.8%. True, this is compensated by the not entirely favorable rate, which is usually lower than at other exchange offices.

Withdrawing funds to Sbercard: where to exchange money?

The following describes one of the profitable ways to withdraw earnings to a Sberbank card.

Best Change is a service with which you can quickly and easily find a convenient online exchanger for withdrawing funds from a virtual wallet to a bank card. Below is one of them:

• Yandex money. An electronic wallet that allows you to withdraw earned funds to any bank card. In comparison with analogues, the commission for poisoning is small - only 4%. Instant translation is another advantage of the service from Yandex.

This source of income is good because even a schoolchild can earn money with a withdrawal to a bank card.

You shouldn’t ignore services from which withdrawals are available to Qiwi and WebMoney wallets. Exchangers also cooperate with various banks. (including Sberbank).

Popular sites for earning money

To avoid problems with withdrawing money to a Sberbank card, it is recommended to use only the most reliable sites:

• Freelance.ru. One of the most popular platforms among domestic freelancers. Withdrawals can be made daily. The administration constantly ensures that all site rules are followed and fights scammers.
• Etxt.ru. The most popular resource among copywriters. There are several options for withdrawing earnings, including a bank card. The maximum withdrawal amount at a time is limited to 10 thousand rubles. Minus - 4% commission.

Important! It is better for beginners to work through exchanges, and not directly with the customer. This eliminates the risk of deception on his part. On the sites there is always the opportunity to contact the support service, which always resolves the issue in favor of the victim.

Currency exchange in the Sberbank Online service

Opening a debit card gives you access to free part-time work online. The cost of annual maintenance will cost 750 rubles. (Choosing a classic type card). However, do not forget that legal online earnings do not require investments: freelance exchanges, axleboxes, mailers, captcha services.

The user has the right to dispose of the earned funds at his own discretion: spend money on the purchase of precious metals, pay for mobile Internet, make a loan payment, etc.

The program on a remote basis opens up many functions and privileges to users. In the personal account, the client can independently manage accounts, saving and increasing them. It is also possible to obtain a loan on favorable terms. To save money, the service offers to pay less interest on the loan.

The issue of passive income is relevant for many people who need additional part-time work. How effective is Internet banking as a source of income? To understand the system, it is worth delving into the study of the Sberbank Online service as a way to earn money.

How to make money on Sberbank deposits by investing in metal accounts

There is another way to make money online: transferring free funds to metal accounts. A deposit, similar to a regular deposit, is opened through your personal account. Earnings on deposits in silver and gold are not associated with the acquisition of bullions of precious metals and storing them in a safe deposit box at a lender or at home. The essence of the deposit is a non-cash transfer of your own funds for the selected metal and storage of savings in a metal account. If the value of the metal increases, the amount of savings increases.

How to start earning money

To open a metal deposit, it is enough to have any Sberbank card with a positive account balance. Algorithm of actions:

• from your personal page, open the “Metal Accounts” profile;
• choose the type of metal: silver, gold, palladium, platinum;
• Based on the selected metal and its quantity, the deposit amount will be automatically downloaded;
• You are required to enter a confirmation code. An account number is generated and the deposit becomes open.

No interest is accrued on metal deposits. The deposit has no expiration date. The client can close it when he needs it. Any amount of metal is available for purchase. The client makes money by increasing the price of precious metals. Practice shows that, for example, the growth in the cost of gold is stable and reaches 12% annually. Palladium rises in price by about 30%. The figures significantly exceed the current inflation rate in Russia. Therefore, earning money online using “metal” deposits is profitable.

How to withdraw money from Yandex, Qiwi, WebMoney wallets using exchangers?

A user who has at least once encountered remote work has more than one electronic wallet for withdrawing income. Each resource cooperates with separate payment systems, so several wallets will not be superfluous. It happens that the remote earning service supports withdrawals to a mobile phone account.

A user, earning money on several freelancing platforms, receives funds in different electronic wallets. What if a freelancer needs to store the entire amount in one wallet? An electronic exchanger will help solve this problem. online resource displays the rating of the best exchangers with favorable exchange parameters.

Experienced freelancers have long appreciated the Best Change service for its reliable work and up-to-date data. The service shows more than two hundred verified exchangers that have managed to win the trust of users. Don't worry about the data being out of date; updates occur every 10 seconds.

Exchange procedure:

1. Selecting a transfer path to Best Change (For example, you need an exchange from Qiwi to a bank card)
2. Select WMR currency in the “Give” section. When transferring WMZ to rubles, the exchange rate of the selected bank is taken into account.
3. Selecting a bank.
4. Transfer to the page to select the optimal course.
5. Choosing a convenient direction.
6. Go to the exchange point. Filling out the withdrawal form. Entering the amount, account or card details.
7. Display of the final amount ready to be transferred to a plastic bank card.
8. The exchange process itself.

The procedure is similar with Yandex and WebMoney electronic wallets.

In the twenty-first century, the prospect of a good income on the Internet is quite feasible. It is important to understand that even remotely you need to put in a lot of effort. Easy working conditions, as a rule, turn out to be a deception. Remote work offers two options for income: passive or active.

The passive way is to make money from advertising on a well-promoted website or blog, the active way is to make money by performing simple tasks on the Internet (activity on social networks, viewing advertising blocks, writing texts and comments).

Questionnaires and freelance exchanges are the most profitable options for active earnings. Now the user has all the tools and capabilities for remote work and withdrawal of rewards to a bank card.

How to withdraw earnings on the Internet to a Sberbank card

It is very easy to withdraw money earned on the Internet to a Sberbank card. If such a withdrawal method is not provided by the project that you have chosen to earn money at home, then withdraw it first to WebMoney, and from there to a card of any bank. Everything ingenious is simple and has been fine-tuned by experienced freelancers a long time ago.

Withdrawal of funds to WMR e-wallet

The convenient WebMoney Transfer system allows you to quickly withdraw Internet income from different exchanges and sites in rubles to a WMR wallet, in dollars to WMZ. To withdraw in rubles, you must use your own WMR e-wallet number. Different exchanges and sites use this process differently:

• Sites to which the WMR e-wallet is linked upon registration, with its unique number. They automatically display data when making a payment transaction. Then, for confirmation, an SMS message with a code is sent to your mobile phone; it must be entered in the specified line.
• Sites where the WMR number is indicated during actual payment transactions. It can be copied using the “buffer” button located next to the number on the electronic wallet. You copy, paste, you receive an SMS message with a code, you confirm the operation.

Withdrawal of earnings from WebMoney e-wallet to Sberbank card

Using the WMR e-wallet to transfer funds to a bank card is accessible and reliable. On the WebMoney website, you can see the commission rates and transfer deadlines, as in the picture.

If you have a Sberbank bank card, then withdrawing funds very quickly, just fill in the required fields below. The days of transfers are not limited and are carried out 7 days a week, without breaks or weekends. Considering the advantages and disadvantages of the WMR payment system in this article, you will make the right choice!

The main advantages of WMR include:

• High international security and confidentiality. A well-deserved reputation as a big whale in the monetary system for two decades. An important factor is that long-term cooperation is always productive in any field.
• Registration is available to everyone who has a passport and a mobile phone. You also receive an internal anonymous formal certificate.
• User-friendly interface and menu.
• Availability of payment transactions in a wide range through bank accounts and bank cards. The ability to quickly and easily receive and send money. It also has a number of important service functions, thanks to which mobile communication services, the Internet and much more are paid for.
• Exchange of title units – currency conversion.
• Cooperation with banks around the world and other payment systems. Convenient replenishment of WMR balance through terminals and in any banks.
• Convenience of using the WM login; if you have forgotten your password or lost it, you can log in through the WM login.

What are the disadvantages of WMR:

• When registering, provide and upload into the system a scanned color copy of your passport, indicating all official data. Many people are suspicious of this requirement. But in fact, this confirms your safety. Using this data, you, like everyone else, go through a certain control system. The possibility of scammers and false individuals is excluded.
• The system does not have a favorable exchange rate. This is worth paying attention to. It is more profitable to exchange currencies through the Internet - exchangers, the same BestChange, with further transfer to the card.
• When making each transaction through the WebMoney Transfer system, a commission of 0.08% of the payment amount is charged, rounded up.
• 3D-secured system - with this process you receive an SMS code to your mobile number to confirm transactions. You must always have a mobile device with your number, specified during registration, at hand.

Transfer from Yandex Money to card

With the purchase of a wallet with the “Name” or “Identified” status, a freelancer will be able to make transfers from Yandex money to a bank card.

To translate in the browser you need:

1. Go to the “Translations” section. Click on “Withdrawal” in the upper right corner of the menu.
2. Select a bank card in the “Where” section.
3. Enter card details and amount to transfer
4. Yandex commission is 3% of the transfer amount + 45 rubles. - Commission of the bank.

When transferring an amount of 10,000 rubles to a Sberbank card, the commission is 345 rubles.

If you enter bank details instead of the card number, you can save 30 rubles. from translation. However, this option increases the processing time of the transfer to 3 days.

A fixed commission of 3% is available in the Tinkoff, Promsvyazbank and Alfa Bank applications. The first two only support identified wallets.

Deposits

The eternal dream of many citizens is to live on interest from a bank deposit. How realistic is this? Today, in February 2019, Sberbank offers its clients 7 different deposits. Let's compare their characteristics.

In addition to the above, Sber has special programs for clients who have activated premium packages, as well as for those who receive a pension from this bank. They allow you to make deposits with higher rates.

Having analyzed the publicly available proposals, you can see that the income from Sberbank deposits barely covers inflation. Even for long-term storage of savings, they are not very suitable. As for earning money, let’s take the “Save” deposit as an example. The maximum interest on it can be obtained by investing an amount of 2 million rubles. for a period of 3 years. Under these conditions, the client will receive 9,583 rubles monthly as interest. Accordingly, with smaller investments the amount of income will be even lower.

Deposits in foreign currency

Another common plan for how to make money on deposits in Sberbank is to open an account in foreign currency and sell the savings when the exchange rate rises. Foreign currency deposits can be made within the framework of almost any of the tariffs described above (with the exception of Social and Pension). The rates on them, depending on the terms and volumes, will vary from 0.1 to 2% per annum. This is quite enough to save your savings. But in order to receive any significant income, you will have to deposit a fairly large amount into the account.

Expert opinion

Evgeniy Belyaev

Legal consultant, financial expert

Ask

Important! When working with foreign currency deposits, you should take into account conversion costs when replenishing them, as well as when withdrawing interest.

Opening large deposits inevitably involves risk. Sberbank participates in the deposit insurance program. But, as you know, within the framework of this program, the client will be able to recover only 1.4 million rubles upon the occurrence of an insured event. All other savings will simply burn out.

Income from bank cards

Is it possible to earn money on a Sberbank card? Alas, Sber does not have tariffs that provide for the accrual of interest on the card account balance. Participation in the Sberbank bonus program can be considered as earnings on the card. But there are a number of nuances here. For example, to receive cashback you will have to regularly make purchases from program partners, cashback is awarded in points, and exchanging them for rubles is quite difficult, and the rules for spending points vary from partner to partner.

Plus, in some regions there are too few organizations connected to the Thank You program, which reduces the possibility of making money on it to zero. There is another multi-stage option:

• We get a credit card from Sberbank with a minimum limit (no more than half of our salary);
• Having received your salary, we send an amount equal to the limit to the deposit;
• we pay for purchases using a credit card;
• with the next salary we pay off the debt (we meet the interest-free period);
• We put the rest of the salary back on deposit.

Thus, the client’s own funds work to earn interest, and the use of credit money costs him free of charge. Here it is important to choose a credit card with the lowest service fee, and preferably completely free (sometimes you can get them with a pre-approved offer). And, of course, financial discipline is extremely important for this method of increasing funds.

Registration of metal accounts

Another attractive banking instrument is an impersonal metal account. The point is this:

• the client opens compulsory medical insurance by choosing the metal that suits him;
• the client contributes a certain amount to compulsory medical insurance;
• the account balance displays not rubles, but the number of grams of metal purchased by the depositor;
• the cost of metal is constantly growing;
• upon reaching the desired price, the client sells the metal to the bank and makes a profit from it.

From the outside, this method looks attractive. But it is not suitable for making quick money. Firstly, if you analyze the price charts for precious metals at Sberbank, you will notice that the annual increase in their value is no more than 3-4%, that is, it barely covers inflation. Secondly, the transaction of selling metal to a bank is subject to taxation. The owner of the compulsory medical insurance will have to pay income tax on the amount received.

And most importantly, the difference in prices for buying and selling metal. At the moment it is about 300 rubles (we are talking about gold). Roughly speaking, if a client opens compulsory medical insurance and immediately after that wants to return the invested funds back, he loses 300 rubles per gram on this transaction. You will have to wait about a year for your investment to be returned in full. And to make a profit - at least 5 years.