Types of Sberbank card accounts: current or deposit. Types of accounts: what is the difference between a deposit account and a current one? Salary account

This article will discuss the types of bank accounts, their features and main differences.

A bank account is necessary for almost every modern person, because it allows you to receive payments, save funds and manage them in a non-cash form.

The account holder can be an individual or legal entity. Depending on the purpose of use, bank accounts come in several types.

In this article we will look at what a current, current and deposit account is and how they differ.

Types of bank accounts

Current

A card account allows you to:

• cash out through an ATM your own (pension, salary card) or credit funds, bypassing queues at banks, at the post office;
• , cash-in banknote acceptor;
• manage money and control expenses remotely (for example, through Sberbank online).

The owner of the current account can:

• entrust execution regular payments bank employees;
• convert money into dollars/euros without withdrawing them.

Each account is assigned individual number.

Before entrusting money to the appropriate institution, clients are interested in what types of Sberbank card accounts there are. For the convenience of managing their money, the bank offers users to create different accounts. There are several signs that allow us to classify them into one category or another.

Current account

The current one is available to any citizen over 18 years of age (individual), state, non-profit organization. It is opened for individual needs not related to making a profit. Used to carry out certain banking operations:

• payment of wages and pensions;
• payment of insurance and social charges (alimony, benefits);
• purchasing a card linked to an account, and, therefore, the ability to pay for purchases;
• cashing cash;
• shipment money transfers.

The convenience of a current account is that the bank client has quick access to his funds. Organizations use it as storage that is always available. They are used when making calculations large sums, for example, when buying real estate, a car. Calculation of interest on the balance money supply not provided. Replenishment is made through orders or the Sberbank cash desk. Opens in rubles or, if necessary, in another currency. There is no charge for its use.

Each type of bank account is designed for a specific purpose

Deposit account

Serves to temporarily save money. An agreement is concluded between the client and the bank, which states the name of the account, for what period of time the funds are credited, and at what percentage. The institution undertakes to return the deposited money and pay the agreed interest upon the expiration of the specified period. Deposit is a type passive income, investing with little risk. The interest rate increases as the deposit period increases.

The deposit is divided into:

1. Urgent. When a deposit is opened for a long time (from 1 year). The client can withdraw the savings only after this time.
2. Poste restante. In this case, the time for which the deposit is opened is not defined. The depositor can withdraw his savings at any agreed time. Therefore, the interest rate is assumed to be low.

Deposit deposits do not bring large profits, but they allow you to survive inflation without significant losses. If necessary, the client can withdraw his money before the end of the contract, but in this case he will lose part of the interest or pay a fine.

Current account

Opened by an organization or individual entrepreneur for calculations non-cash. Intended for:

• transfer of income from the company’s sale of goods, performance of work;
• settlements with suppliers;
• purchasing a loan from a bank;
• payment of payments.

Funds are deposited in cash and non-cash form.

Card account

A card type of account is when a bank client can withdraw his funds without contacting an operator. He is already tied to valid card– debit or credit. The number on the card does not match the account number. Its owner can pay for purchases via the Internet, pay public utilities, make transfers.

Sberbank salary card account

Each employee receiving a salary is provided with his account details. The card has a 16-digit number, which is visible on front side, used to work with funds through bank terminals, mobile bank, online. Find out what type of account salary card, is not difficult. Personal (current) – the account to which the salary card is “linked”.

Settlement – ​​opens to a legal entity. If necessary, it can be opened to an employee who needs to spend company funds, for example, on car maintenance or advertising.

TO personal account Attaching multiple cards is allowed.

If it is lost or becomes unusable, another one is issued, the personal account remains the same, and the funds are safe.

When you quit your job, you no longer need the card and can close it. To do this, you need to come to any branch of Sberbank and write a statement about closure. The card is destroyed, the remaining financial resources are withdrawn or transferred to another account.

A deposit account allows you to receive passive income

Difference between current and deposit account

The difference is evident in the tasks they perform. The presence of the first allows you to transfer and quickly withdraw funds. But owning this account does not bring profit. The second is not intended for purchases and payments; it allows you to save money for a certain period with interest accrual. The depositor does not have quick access to his money.

Regulates issues of opening and servicing accounts Civil code RF. It legally stipulates the cooperation of a financial institution and its client when opening a business, and an agreement must be concluded.

Following the opening of a current account, financial organization obligations arise to the depositor for the smooth execution of settlement transactions. The subject, having opened an account in his name, has the right to deposit funds in it in any amount and control expenses. The bank executes payment orders within 24 hours. This is an indispensable element of the work process, without it it is impossible entrepreneurial activity(posting of proceeds, settlements with third parties).

When making a deposit, the client entrusts the bank with set amount. The difference between a current account and a deposit account is that in the first case, the financial institution can dispose of funds in its own way, and in the second, the deposit is transferred or withdrawn after the end of the time established by the contract and the fulfillment of special conditions.

Features of deposit programs

The interaction between the organization and the investor is based on the following principles:

• the client pays the amount specified in the contract;
• during the term of the contract, the financial institution uses finances for its own purposes, for this opportunity to use the money, the bank charges interest to the depositor;
• upon expiration of the deposit, the client is returned the entire amount invested plus accrued interest.

Sberbank has long established itself as a reliable organization. Therefore, many investors choose it to open deposit or current accounts. At this time, the bank offers several programs for saving deposits:

1. "Save"– 9% per annum. Replenishment of funds is not expected, but it is possible to close it early.
2. "Save your pension"– intended for pensioners.
3. "Replenish"– 8% per annum, replenishment of funds is provided.

Other deposits, such as “Multicurrency”, “International”, “Manage”, allow partial withdrawal of funds. Transactions on deposit accounts are usually displayed in a savings book, which also contains information about the depositor, financial organization, deposit (amount, interest, period), movement of the money supply.

But in recent years The issuance of passbooks has decreased significantly. They were replaced by Maestro cards. But many, mostly people of retirement age, continue to use books because it makes it easier for them to understand the process of working with money. They perceive the book as genuine evidence of the presence of their funds in the bank. Young people, on the contrary, mainly use plastic cards. It is not difficult for them to answer the questions: “What is a Sberbank card? Is this a current or deposit account? The savings book seems to them a relic of the past.

Card accounts can be debit or credit

Debit and credit cards

To facilitate the process of withdrawing money from the account, a plastic card. Debit allows you to withdraw wages or other income transferred by the employer. You can also use this card to make cashless payments for purchases. Withdrawal is only possible for the amount fixed on the card, unless you activate the overdraft service.

A credit card is the key to an account, provided by the bank with the opportunity to use borrowed money within the proposed limit. The borrower signs the agreement once and uses the funds again and again as the principal debt is repaid. Credit cards are very popular abroad, and recently in Russia. They will help out if you need urgent money, but their downside is the high interest rate.

Plastic bank card allows the client to carry out the following monetary transactions without standing in long queues:

• cash out funds through a bank terminal;
• replenish accounts;
• convert currency;
• pay utilities;
• make payments for purchases;
• control expenses through online banking.

Each account is assigned an individual number that does not match the card number. There is a fee for card service. A card is a means of access to an account containing funds. If it is no longer needed, the account is closed. To do this, you need to contact the bank and write an application.

Thus, understanding the types of accounts is not difficult. And the differences between current and deposit are completely obvious. Not everyone has a deposit card, but the current one is used everywhere, especially the plastic card attached to it. This is a modern reality that makes the implementation of banking operations more favorable, expanding the potential for managing your money.

Gradually, using bank accounts is becoming a daily procedure for citizens. Indeed, storing cash can be unsafe, and inflation is slowly eating away at household savings. Financial institutions are able to completely take over the management of clients’ funds and their effective storage. To achieve this, banks provide a variety bank accounts.

Let us consider in detail what types of accounts there are and for what operations each type of account is intended.

Current or work accounts

The simplest ones can be called current or working accounts. There is no accumulation of funds on them, since their main purpose is to carry out various calculations. Such an account may receive pensions, wages, remittances or other income from third parties. Current bank accounts can be replenished by depositing cash either by the account owner or by third parties.

In order to open a current account, Russian citizens must enter into an appropriate agreement with the bank. The only requirement for an individual in this case is the presence of a Russian passport.

Foreign citizens, in addition to an identity card, must present to the bank employee a migration card and a document that confirms the right to stay in Russia. Minimum amount, which is deposited in the vast majority of banks when opening a current account, does not exceed 10 rubles.

Card accounts

Even more convenient to use are bank accounts called card accounts. There are debit and credit cards. Essentially, a debit plastic card is the same current view account, but not geographically linked to the bank branch in which it was opened.

A significant difference between a current bank account and a card account is the presence of an annual maintenance fee for the latter. Money on bank cards can come from any source: salary transfers, money transfers, pensions. Most businesses transfer wages to specially opened “salary” cards, which are the same as debit accounts.

Use bank card makes the procedure for paying utility bills, paying for purchases and services, and making money transfers extremely comfortable and hassle-free. Almost any process that requires cash payments can be completed using a plastic card. It is especially convenient to use the card outside the country when going on vacation or on a business trip abroad.

Another type of card account is credit card. This banking product differs from a debit card in that, in addition to his own funds, its owner can use funds borrowed from the bank within the limit established depending on the period of use of the card and the solvency of the owner.

The advantage of such a card is that without additional registration loan agreement you can actually get a loan from a bank. At the same time, financial institutions often go to create favorable conditions for customers using a credit card, in the form zero rate on borrowed funds for a certain period.

When applying for a credit card, you should carefully find out all the details of its use. In particular, what interest will the bank charge on an overdraft, what commission will you have to pay for withdrawing money from ATMs of “foreign” banks, penalties that the bank may apply in case of late repayment borrowed funds how much will it cost annual service and reissue of the card.

You can apply for a bank card directly by contacting the bank. There you fill out an application form for issuing a card, and present your passport (identity card) to the bank employee. Drawing up a card account agreement will not take much time; it can be received immediately, once completed and signed by both parties.

A plastic card is issued within 5 to 14 days, depending on the bank. As a rule, when concluding an agreement, credit institutions charge a fee for issuing and servicing a bank card.

Deposit accounts

The third type of bank accounts can be called deposit accounts. Deposits or deposits involve an investment free funds for a more or less long period. The range of such accounts is diverse, and each of them has its own nuances.

All types of deposit accounts have only one thing in common: money is invested in a bank at a certain percentage and for a certain period. Before its expiration any expense transactions, including cash withdrawals, are not allowed.

The agreement concluded with the bank when opening a deposit will necessarily contain a clause that will provide for penalties for early termination. Common practice at work financial institutions is to reduce the interest on the deposit to minimum figures.

Deposit accounts can be either ruble or foreign currency. Opening an account is simplified as much as possible; the depositor only needs a passport and the money itself, which he intends to place in the deposit account. The greatest effort that a depositor must make concerns the choice of a bank and the terms of the deposit.

Since the deposit must be profitable, it is worth carefully familiarizing yourself with the entire range of deposits, realistically assessing the proposed interest rates and terms of the deposit in order to calculate its effectiveness in advance. In any case, if the investor has a significant amount money, then it makes sense to conclude several contracts with different conditions.

When applying for a loan from a bank, the borrower opens a loan account for the loan amount. Such an account does not require additional registration; it exists within the framework of a valid loan agreement. At full repayment The debt loan account is automatically closed.

Today, almost every person who receives a salary on a card has a bank account. savings deposits or simply perform non-cash transactions on a daily basis. The owner can be an individual or a legal entity, and the process for issuing a card will be different for each business entity. This article will discuss the question: how can you find out whether a salary card is a current account or a deposit account, and how they can be distinguished.

Today, in the field of banking and lending, three types of bank account are defined:

• current;
• card;
• deposit.

Let's look at each type in more detail.

Current

The most common area of ​​application of a current account is the operation of transferring salaries to employees and the execution of various payment transactions. It is not used for investments and deposits of money for a long-term period. The main goal of the current one is to serve clients of a certain banking organization, as well as quick access to personal investments.

Many people are faced with the question: do they have a deposit or current card account? This type does not allow interest to be accrued on the balance available on a bank card, if this was agreed upon when concluding the opening agreement. But even if this condition was agreed upon, the accrual percentage will be small.

It can be opened not only in ruble equivalent, but also in foreign currency. Using a current account you can cash out own funds, transfer them to another and arrange a transfer operation. Typically, a debit card is used for such transactions.

The current account has a subtype - settlement account. It opens when creating various organizations that do not work in the lending sector. In addition, this subtype can be opened by all types of persons to pay for transactions in the course of business activities.

A current account allows you to make various financial transactions

Card

Used to carry out transactions with money, where the means of payment is a bank card. In the case when a banking organization agrees with the client on the opening of a card account, it is necessary to find out some information:

1. Service price.
2. Is there a fee for withdrawing cash from an ATM?
3. Features of using the card abroad.
4. Are there any paid services when using a credit card.
5. A card account can be debit or credit.

A debit card is usually used to store your own funds (salaries, interest on deposits, social benefits and other compensation). You can use it to pay for a purchase in a store, order goods online, pay cellular communication, utility bills.

The available amount in the debit account cannot be exceeded upon purchase. For example, if the purchase amount is 10 thousand rubles, and there are only 9 thousand rubles on the card, then the operation will not be performed.

A credit card is a type consumer loan, where the possibility of exceeding the limit of available funds is provided. If the client replenishes on time credit card for the amount that was taken, then after a certain period of time the monetary limit increases.

Credit cards have recently become a popular tool for making purchases in Russia. It is convenient to use, but the client pays a certain percentage for comfort when making purchases.

Sometimes banks intentionally attach a card account to a current account so that if something happens, the client can use it.
The card can be used at any time. Its advantage is that in the process of making purchases you do not need to go to a banking organization and waste personal time, but you can simply go to an ATM and complete all operations in a couple of minutes. It is worth noting that it is better to use a checking account to send money as there are no fees.

Deposit

It is a savings account that is opened in order to increase your own funds through a deposit. The banking organization is responsible for calculating interest on funds invested by the client, and also has the right to dispose of the invested money for the entire period of the deposit. He is the most the easy way receiving passive income, where the contribution increases income with a minimum of force majeure situations. True, the accrued interest is small.

Each bank develops individual conditions and suggestions for deposits, but one working scheme can still be traced - a ban on a deposit account for a client for a certain period of time. It is during this time interval that the interest stipulated in the agreement is calculated.

The deposit account differs in the accrual of interest on the funds on the card

Features of a passbook

Nowadays, not many people can boast of having a savings book, since this is an echo of the past and storing money with the help of others banking instruments much easier and safer. It stores information about the client, the banking organization that issued the passbook, the amount of available funds, accrued interest, type, etc.

But if there is one, then how to determine whether the savings book account is deposit or current? The answer is simple: a passbook is a document that is tied to bank account, just like a bank card. It can be linked to a deposit account (savings account) or a current account account (debit account). Therefore, to determine its status, you need to contact the bank with your passport.

It is worth noting that modern banks they try to move away from using these documents due to the high likelihood of fraud and “dark” accounting.

Recently in Russian Federation A law was adopted that bans the issuance of passbooks from June 1, 2018.

Difference between deposit and current account

The main difference between a deposit account and a current account is that you can withdraw money from the latter at any time. The current one allows you to pay for any services and goods in a store or online. It does not involve the accrual of interest on the amount on the card, or it is very small.

Deposit represents sum of money client, which is in the use of the bank for the period of time specified in the contract with subsequent accrual percentage values. The client does not have the right to withdraw and dispose of invested funds for the duration of the deposit.

The deposit account cannot be used to pay for purchases or purchase goods, since it is used for other purposes. This rule allows a banking organization to use the client’s invested money to achieve personal goals.

Based on the above facts, we can identify several main distinctive qualities of deposit and current accounts:

• conditions for storing money;
• amount of accrued interest;
• cost of service.

In some cases, it can be difficult to immediately determine which account a client has. Very often open deposit prohibits advance withdrawal of money before the agreed date. Therefore, in order to retain customers, banks offer deposits with increased interest rates.

The distinguishing factors of a deposit account are:

• the interest rate that is charged for the bank using the invested money;
• time for which the account is opened;
• insurance. If the bank goes bankrupt, the client will receive full amount invested money (the amount cannot be higher than 1.4 million rubles);
• in some cases, the deposit can be replenished.

Closing a deposit occurs in the process of signing two applications for closing a deposit and closing an account. When closing a deposit, money is transferred to the depositor's current account or withdrawn from the cash desk of a banking organization.

Current and deposit accounts have their own characteristics and distinctive features

Goals and purpose

In order to determine which bank account to open, it is worth deciding what it will be used for. If you decide to save money, then it is worth considering the terms of the deposit. If an entrepreneur decides to open his own business, then in this case the best option would be to open a current account. If you need to open an account to receive wages, payment different goods and services, receiving social payments, then you should open the current one.

A bank account is a kind of “piggy bank” where non-cash money of all types of persons is accumulated for use in any field of activity. At making the right choice accounts, citizens have the opportunity to make non-cash transactions and earn money on deposits.

In conclusion, it is worth saying that this article addressed the question: “How to find out which salary card account: deposit or current?” What are their features and differences? The main difference between these accounts is that one account is designed to increase funds through accrued interest, and the other is used to everyday life(purchase, payment). While not all people open a deposit account, today almost every working person or student has a current account.

This innovation is convenient, practical, safe and effective. Opening accounts is beneficial for banks as it improves stability, both for individuals and legal entities, because gives you more opportunities to manage your own money.

Domestic banking system consists of credit institutions that have received a license to operate from the regulator. Each bank has its own clients. Created for clients special accounts, where they deposit and withdraw their funds. Bank accounts are divided into types. How to find out whether a deposit or current account is opened in a financial and credit organization, we will consider in the article.

Accounts can be divided into three types:

• current;
• card;
• deposit.

Current account

A current account is used most often for purposes related to payroll and making payments. It is not used for saving savings or for investment purposes. The main task of a current account, aimed at servicing clients of a particular bank, is to give each of them instant access to their money.

Interest is not charged on the balance, and if the bank offers this service, the interest will be small. The account can be opened in rubles, as well as in foreign currency. With its help, you can receive and send transfers, cash out funds, and transfer them.

Current account

A type of current account is a current account. It is opened by organizations or enterprises that are not credit institutions, as well as individual entrepreneurs and other individuals who are legally engaged in private practice to carry out settlement transactions related to doing business (Instruction from the Bank of Russia number 28-I).

Card account

The card account is used to conduct monetary transactions using bank plastic cards. If the bank offers this product, the client needs to clarify certain nuances:

How much does it cost to maintain this account;
the presence of a commission for withdrawing cash from ATMs or at a cash desk;
;
availability of additional services.

Plastic cards are divided into two types: debit and credit.

On debit card Clients' savings are found in the form of wages and other income. The card is used to pay for purchases non-cash payments and for online shopping, payment mobile communications, housing and communal services, etc. The amount on the account cannot be exceeded.

Credit cards being a form consumer lending, allow you to exceed the limit of money in your account. If the borrower makes loan payments on time, credit limit can be increased, but after some time.

Credit cards are common among Russians. They are convenient to use, and for this comfort the borrower pays with higher interest rates if you compare this cash loan with the issuance of cash as a loan.

Some banks add a card account to your current account. This allows it to be used for card transactions, both credit and debit.

Thanks to card account The money can be used at any convenient time. The advantage of cards is that when carrying out payment transactions, you do not need to visit the bank or waste time in line: you can carry out all the necessary operations through an ATM. But to receive or send funds, it is better to use a current account.

Deposit

A deposit account is opened for the purpose of increasing savings. Interest is charged on them by the bank. This is one of the types of receiving passive income or investing with a low probability of risk and, therefore, low income. However, deposits are widespread in Russia. Banks offer different conditions on deposits. Basically, bank clients do not have access to their deposits (during the validity period of the agreement of the same name), and for this they are charged %. They can be capitalized, withdrawn every month, quarter, received as an advance, etc.

Deposit account and current account: what is the difference?

A deposit account is a bank account with an amount of funds that is deposited for a certain period of time at interest under an agreement. The account owner does not have instant access to the deposited amount.

A current account, unlike a deposit account, implies instant access to money for clients; this account is used to pay for various services, as well as purchases in a store. Interest is not accrued on the account balance, or it is, but in a meager amount. Thus, the differences between deposit and current accounts are as follows:

• counting mode;
• value %;
• cost of account transactions.

The deposit account is not used for transferring funds, making payments, making purchases, etc. This restriction on the possibility of spending the deposit is due to the fact that credit institution calmly managed the money entrusted to him at the time specified in the contract.

Often, in classic forms of deposit, the client does not have the right to withdraw funds deposited into the bank earlier than the period agreed upon in the agreement with the bank. It is for such inconveniences that the account owner receives an increased percentage.

Deposit components:

• % rate – for the presence of money on deposit, interest is charged, which is higher than that applied to demand accounts;
• term – upon its expiration the deposit is closed;
• insurance - in case of termination of the bank's work, the depositor is returned an amount of 1.4 million rubles according to the innovations (previously it was up to 700 thousand rubles);
• replenishment – ​​the deposit can be replenished in some cases, but withdrawals during the contract period are not allowed.

The deposit is closed by writing 2 applications. One application is aimed at closing the account, and the second is aimed at closing the deposit. After closing, funds are transferred to the current account or issued in cash to the account holder.

Deposit account and current account in Sberbank for individuals

Sberbank has been operating for many years. Due to this circumstance, the population associates it with reliability. Most citizens bring money to this credit institution, which is placed on deposit. Among the proposals from the country's leading bank related to placing money on deposit are:

1. “Save”: replenishment - no, withdrawal - no, closing early - possible. Rate – 9% (rubles), 2.22% (dollars), 1.7% (euros).
2. “Save online”, “Save pension”. Online is opened only through Sberbank online, and the second type of deposit is offered only to retired persons.
3. “Replenish”: replenishment - yes, withdrawal - no, closing early - possible. Rate – 8% (rubles), 2.00% (dollars), 1.01% (euros).

The remaining deposits from Sberbank are designed for the possibility partial withdrawal funds. These include contributions:

• "Manage";
• "Multi-currency";
• “International”, etc.

New bill

The inflow and outflow of funds on deposit are usually reflected in the Sberbank savings book. Recently, their issuance has sharply decreased; instead they are offered Sberbank Maestro cards. There were persistent rumors that Passbooks would be abolished. And these rumors received a real basis in February 2016. The Russian government has submitted a bill to the lower house of parliament that would abolish the bearer savings certificate and savings book.

Authors of the bill

The authors of the project are implementing their idea, according to them, as part of improving Russian laws in the field non-cash payments and taking measures to combat the legalization of profits obtained illegally. And also within the framework of combating the financing of terrorism.

The Ministry of Finance believes that these measures will be implemented only when savings certificates and bearer books. What will happen to registered savings books remains unclear.

Meanwhile, many consumers banking services constantly imposed plastic cards, prefer savings books with deposit account. Most of these citizens are people of retirement age who find it difficult to understand a plastic card and the mechanism for withdrawing money from it. For them, the savings book has become a symbol of their income, which is in the bank.

At the same time, another category of the population, young people, prefer plastic cards. They are being implemented everywhere by all banks without exception, offering credit products or issuing a card as a debit card. And there are subtleties here, but they relate to the topic credit products from banks.