A deposit in Sberbank is a way not only to save money, but also to make a profit. True, this is only relevant when inflation in Russia is low; in other cases, the interest rate serves only as a way to compensate for losses from inflation. Moreover, the larger the deposit, the more money can be saved and the more interest accrues. Therefore, an additional contribution to Sberbank is an understandable enterprise, but what does type of operation 2 mean? This article provides a detailed explanation of this.
When opening a deposit, the client is given specific conditions: whether it is possible to withdraw money ahead of schedule, for how long the agreement is valid, etc. In general, the following parameters can be distinguished for any deposit:
- interest rate;
- duration of the deposit and the possibility of its extension;
- early withdrawal of money, partial or complete;
- the presence or absence of interest capitalization (when all profits from a deposit are included in the deposit itself, which increases the client’s total capital);
- possibility of replenishing the deposit.
The last thing on the list is the additional fee. In fact, this is depositing an additional amount into an account in order to increase the deposit balance. In this case, the increased amount of the deposit is taken into account from the next interest payment.
Attention: additional deposits can only be made in the same currency in which the deposit account was opened. If the currency of the additional top-up is different, it is automatically converted to the account currency (if deposited by bank transfer or online). If the client wants to deposit money in the office, he will be asked to exchange currency first.
In order for replenishment to become possible, the deposit agreement must contain information about the availability of such an operation: not all Sberbank products allow making additional contributions.
Some of the deposits are used by the bank to invest in assets, due to which the client receives remuneration in the form of interest. Accordingly, the bank needs confidence that the deposit amount will not increase or decrease within a certain period. It is impossible to make a contribution on such deposits, but the interest there is usually higher.
Products with the possibility of additional replenishment
Sberbank focuses more on servicing individuals, so it has the majority of deposits with a replenishment function:
- Deposit “Top up”. The most optimal deposit in terms of its conditions, which can be opened both in the bank’s office and online, through Internet banking. In addition, replenishment can also be done via the Internet. This means that an additional contribution can be made in Sberbank Online in just a couple of minutes - very convenient for people with a good income and skills in using modern technologies. The minimum down payment on the deposit is only one thousand rubles, the deposit period is from three months to three years. Partial withdrawal is not available, but it is possible not to capitalize interest and to automatically renew the contract. Interest rate from 3.7% to 5.12% per annum depending on the term and amount of the deposit. Thus, at the maximum rate, interest “outpaces” current inflation in Russia and gives the user a net profit.
- "Manage." Suitable for those who do not intend to “freeze” money for a long time, because... this deposit makes it possible to partially withdraw funds from the account. However, in order to avoid unnecessary paperwork, the bank has set a threshold for the first payment - a minimum of 30 thousand rubles or $500 for a dollar account. In rubles the interest rate is quite high - from 3% to 5.82% per annum, in dollars - up to 0.5% per annum. When making an additional contribution, please note that it cannot be less than a thousand rubles. Capitalization and disabling of this function is provided.
- "Savings" Gives maximum freedom of action, because Both full and partial early withdrawal of funds are possible, and the amounts of the first and subsequent contributions are not regulated in any way. However, you will have to pay for this with an interest rate - it starts from 1.5% and in rare cases can exceed 2.2% per annum.
From all of the above we can conclude: interest rate is not the main priority when opening a deposit account. Where the rate is high, more stringent conditions are offered - lack of flexibility, long deposit validity, high down payment threshold. If a person needs more variability, “Manage” or “Savings” deposits are much better suited.
Why make an additional contribution?
Depending on the goal pursued, the benefit of the contribution may vary. In most cases, it is done when free money has accumulated and needs to be saved. This way you can increase your capital, because the money is in the bank and is not spent “on everyday needs.” Interest payments in this case are just a nice addition.
Often clients make extra. contribution so that regular interest payments increase. Although the rate remains the same as before - for example, 4% per annum - due to an increase in the balance of the deposit, the amount of payments also increases. With regular additional top-ups, a situation may arise where interest payments become a significant part of the family's monthly income.
In some cases, additional top-up is needed to increase the interest rate. The deposit agreement specifies the conditions on which the rate depends: the type of deposit, the term of the agreement and the amount in the account. If the threshold value is crossed, higher interest rates will become available to the client. The bank most often automatically changes the rate, but sometimes this function is not available and the client has to come to the bank, terminate the old agreement and enter into a new one, on more favorable terms.
I made an additional contribution to Sberbank and was told “type of operation 2” - what is this?
Banking organizations in Russia use the special automated workplace program “Client” of the AS “Client-Sberbank” to manage all assets and liabilities in the company. Without such software, managing millions of transactions every day would simply be impossible.
And for ease of sorting, the program implements a code map. Each code or cipher - this is the same thing - is responsible for displaying specific information about the progress of the operation. For example, when making a loan payment through Sberbank Online, the transaction is assigned one code, when paying in cash in the office - another code, when making a first deposit payment - a third, and so on.
So, “type of transaction 2” is the code assigned to the additional contribution to the replenishable deposit made at the bank’s office.
When depositing via Internet banking, the transaction is assigned a different code.
Information about the deposited funds, the duration of the agreement, the payment schedule, etc. is displayed in the account statement, which an employee of the organization is obliged to give to you upon your first request.
In addition, Sberbank regulations are such that, regardless of your wishes, with additional replenishment, the employee is obliged to issue you a statement. From this document you can not only glean useful information, but also receive protection from possible errors or claims from the bank.
At Sberbank, I heard about other types of “operation codes,” for example, code 3. What is this? od 3 on the account statement indicates a partial withdrawal from the Savings or Manage accounts. If the client had made a full withdrawal, a different code would appear on the account statement.
Together, these two codes - 2 and 3 - give the program the ability to fully track and display in the database all movements of funds within the account before it is closed. The lack of need for other ciphers is also illustrated by a story that happened in 2017: previously, in addition to the code “2”, the code “15” was sometimes displayed on the account statement. But this cipher contained practically no new information; all essential data was well represented by code 2. As a result, cipher 15 was abandoned.
Thus, the account statement contains everything that is needed to inform the client and his legal protection, so this document should be kept even if the deposit has already been closed and the deposit agreement has ceased to be valid.
What does the line “type of transaction” mean in a payment order? Type of operation code 3 Sberbank
What does the line “type of transaction” mean in a payment order?
In the payment order there is no phrase “type of payment”, but there is an abbreviation - “type of op.”, which stands for “type of operation”. In accordance with Appendix 3 to the Regulations of the Bank of Russia dated June 19, 2012 N 383-P “On the rules for transferring funds,” the “type of transaction” has 18 details number (field 18). I hope that you were interested in this particular prop.In the payment order field "Type of op." (type of operation) values are always entered in two-digit numbers. When issuing a payment order, the value “01” is always entered in field No. 18, which is the code of the payment document.
The required payment document code is entered based on the following regulatory documents:
- Rules for maintaining accounting records in the Central Bank of the Russian Federation (Bank of Russia) dated September 18, 1997 N 66, Appendix 1 “List of symbols (ciphers) of documents maintained on bank accounts.”
- Rules for maintaining accounting records in credit institutions located on the territory of the Russian Federation, dated June 18, 1997 N 61, taking into account amendments and additions.
So, in accordance with these “Rules...” each type of payment document is assigned its own special “type of transaction” code, which is entered in field 18 of the document. For example:
- “01” - Payment order,
- “02” - Payment request,
- “06” - Collection order,
- “16” - Payment order, etc.
In the payment order there is another phrase starting with the word “type” - this is “type of payment” (field No. 5). Just in case, I’ll explain it too. The following words can be entered in the "Type of payment" field of a payment order:
- respectively, the words “by mail” or “telegraph” - if in the settlement network of the Bank of Russia payments are made by postal or telegraphic method.
- “electronically” - in payment orders submitted for making payments through the BESP system. Since 2013, it has not been used on paper for settlements.
- The field is not filled in - in cases such as, for example, payments within one branch.
- and when issuing a payment document in the “client-bank” system, instead of the word, the code set by the bank is indicated
bankirsha.com
Conventional digital designations (ciphers) of the type of transactions entered in Personal accounts / Appendix to Rule No. 7 dated September 30, 1987 / Document SPS-14202170/10496073 SPS Pravo.ru
docs.pravo.ru
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Shipment (transfer) of goods (performance of work, provision of services), property rights free of charge |
May apply in Section 9, 9.1. When using this code in other applications, the declaration may be refused. The counterparty does not have to record the counter invoice in its purchase ledger. |
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Work of contractors (developers, customers with the functions of developers, technical customers) for capital construction, modernization (reconstruction) of real estate or the acquisition of these works by taxpayer-investors; transfer by specified persons (purchase) of completed (unfinished) capital construction objects, equipment, materials under capital construction contracts (modernization, reconstruction) |
The counterparty must have a counter entry on the invoice with KVO 13 |
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Transfer of property rights listed in paragraphs. 1–4 tbsp. 155 Tax Code of the Russian Federation |
Applies instead of the excluded KVO 11 (except for operations for which KVO 01 is established). Specified in section 9, 9.1. When using this code in other applications, the declaration may be refused. |
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Drawing up (receipt) by a commission agent (agent) selling (receiving) goods (work, services), property rights on his own behalf, an invoice, which reflects data on his own goods (work, services), property rights and data on goods ( works, services), property rights sold (acquired) under a commission agreement (agency agreement) |
Read also about using the code in the article “How to correctly use the KVO in complex transactions”, paragraph “Simultaneous sale (purchase) of your own goods and goods under a commission agreement” |
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Receipt by the seller of goods returned by buyers who are not VAT payers or are exempt from duties related to the calculation and payment of tax. This also includes partial return of goods by specified persons, as well as refusal of goods (work, services) provided for in paragraph. 2 clause 5 art. 171 of the Tax Code of the Russian Federation (except for operations under code 17) |
The counter entry on the invoice must be with KVO 01 or 26. Specified in section 8, 8.1. When using this code in other applications, the declaration may be refused. |
The issue of saving money is very relevant now. And everyone has their own reasons. Someone wants to make a cherished purchase, and someone wants to go to the sea. There are several ways for Sberbank clients to replenish their capital. For example, the recently opened “Piggy Bank” function, which allows you to leave part of the funds in your account safe and sound. The “Universal” deposit can also serve as a good basis for savings. All this is presented in more detail below.
“Universal” Sberbank deposit: conditions, interest rate and extension
Many people do not understand much about the “Universal” deposit of Sberbank of Russia for 5 years. What it is? Let's go in order.
- This is an account on an open-ended basis with the ability to replenish the balance or withdraw money partially.
- Despite the wording from Sberbank itself, the maximum deposit period for which funds can be deposited is 5 years.
- The minimum amount to open a deposit is only 10 rubles.
- The annual rate, which is calculated in installments every three months, is 0.01% (if you focus on rubles).
- Work with foreign currencies is also taken into account: US dollars, euros, pounds sterling and others.
According to Sberbank's policy, all interest received is summed up and serves as the basis for increasing income in the calculations of the next period.
How is it prolonged?
- The deposit is renewed automatically at the interest rate that is in effect at the time of renewal.
- The number of extensions is not limited by the bank.
About early termination
You can receive money from Universal at any time. Even ahead of schedule. If you had to terminate the deposit early, the interest on the account is retained without taking into account capitalization.
Other deposit conditions
If an account is needed for foreign currency, but not for US dollars and euros, then it is not possible to open it in all bank branches. This information should be clarified by contact phone number. Withdrawals and transfers of funds from the deposit can be made only if the amount of expenditure transactions is higher than the minimum minimum balance agreed on the account.
A universal account with Sberbank is an opportunity to accumulate the required amount over time using the Piggy Bank or replenishing funds independently.
What is Piggy Bank: main features of the service
We figured out what Sberbank’s “Universal” deposit for 5 years is. “Piggy Bank” is a slightly different service that allows you to automatically accumulate funds in your account. To connect to the service, 3 conditions are required:
- availability of a Sberbank card (Visa or MasterCard);
- activated Mobile Banking service;
- a savings account or replenishable deposit to which savings will be transferred.
Depending on your needs, you can set up a fixed transfer of funds on certain dates or a percentage of the amount deposited/debited from the card.
How to connect Piggy Bank
To do this, you can use Sberbank Online or contact one of its branches. In online mode, “Piggy Bank” is connected through the menu "Options" the card from which you plan to make savings. There will be a function “Connect Piggy Bank”. In the settings you need to set the name and adjust:
- type (fixed amount, percentage of expense or income);
- the deposit to which funds will be credited;
- date of replenishment;
- the required amount or percentage (depending on the type of piggy bank).
You can also set restrictions on the maximum size of transfers (based on a percentage of the amount).
How to track your savings
You can control the balance of your accumulated funds using the SMS alert service. When the Piggy Bank is replenished with a new amount, the client receives a message with detailed information. Additionally, you can view your account status directly in your online account. There you can see the service among your accounts.
Customizable and transparent service
All Piggy Bank options are available for change at any time. Everyone has the power to change the terms of enrollment, account or debit card. And in the menu item "Information" the client will receive a statement with the remaining funds.
One of the convenient services that many users of the service have noted is setting up a fireproof residue. This does not allow the card account to go into the negative if the replenishment amount is insufficient.
There is a responsive notification system that will always warn you about an exceeded limit, insufficient amount for transfer and cancellation of the operation (if there are no receipts within 10 days).
How to disable
On the menu "Deposits" You must select the account to which the service is connected. By expanding the conditions, you can see the tab "Money box" and click on it. A window with accumulation details will open. Select item "Operations" and press the button "Disable."
If we talk about savings, the “Piggy Bank” and the “Universal” deposit of Sberbank for 5 years are optimal services that together allow everyone to save a decent amount over time.
What is an additional contribution to Sberbank?
On January 22, 2013, having made a mini-statement of the last 10 transactions through the terminal of Sberbank of Russia OJSC at 3rd Samotechny Lane, 19, I discovered that the balance on my account was 20,000 rubles less. Having requested a personal account statement, I discovered that on January 14, 2013, an amount of 20,000 rubles was debited from my personal account. The next day, having carefully read the extract from my personal account dated January 22, 2013, I additionally discovered the following: on November 1, 2012, a partial withdrawal in the amount of 20,000 rubles was made from my account. And on November 8, 2012, an additional contribution in the amount of 20,000 rubles was made to my account. I did not perform this operation, the bank card issued for my personal account was always with me, I did not give it to anyone, I did not tell anyone the bank card details and PIN code for the bank card. At the same time, I thought what wonderful scammers there are in our world: first they steal my money, and then return it. It would always be like this!
I immediately wrote a statement dated January 22, 2013 to Sberbank of Russia OJSC in Additional Office No. 01621 at 3rd Samotechny Lane, 19. My application was registered on January 23, 2013 under No. 000407-2013-010108 (application for disputed transactions dated November 1, 2012 and November 8, 2012 under No. 000407-2013-010580), about which I received an SMS notification to my mobile number. The bank assured me that in a week or a week and a half my issue would be resolved. But on January 30, 2013, I called Sberbank of Russia OJSC at 8-800-5555550 to clarify the stages of consideration of my application No. 000407-2013-010180. To which the girl operator, after checking the database of my application, confirmed that my application was registered on January 23, 2013, and also announced that the period for consideration of my application had been extended until March 5, 2013.
And here I thought again: after all, we, citizens of the Russian Federation, entrust our hard-earned savings to one of the main banks in the country, OJSC Sberbank of Russia, with all confidence that our money is securely and holistically stored. But in reality it turned out that we still have to convince and prove that these are our means, that we did not carry out the disputed operations, thereby wasting precious time and undermining the already not the best health and nervous system.
As a result, on February 1, 2013, I personally filed an application with the Tverskoy District Department of Internal Affairs of the Central Administrative District of Moscow, the Tverskaya Interdistrict Prosecutor's Office of the Central Administrative District, and the Moscow Central Internal Affairs Directorate of the Ministry of Internal Affairs of the Russian Federation for Combating Economic Crimes. I hope that the management of Sberbank of Russia OJSC, together with law enforcement agencies of the Russian Federation, will understand the current situation and take action to return to me my 20,000 rubles illegally debited from my personal account on January 14, 2013.
P.S. I have been cooperating with Sberbank of Russia OJSC for a long time and I hope that this ambiguous situation will be quickly resolved without bringing the matter to the courts.
05.02.2013 12:29 On February 1, 2013, I posted my negative review about Sberbank of Russia OJSC. The essence of my problem was that 20,000 rubles were illegally debited from my personal account on January 14, 2013. In particular, based on the statement of my personal account, I discovered that two more illegal transactions took place on my account: on November 1, 2012, the debit of 20,000 rubles from the account and on November 8, 2012, the crediting of 20,000 rubles to the account (applications for controversial operations No. 000407-2013-010108 and No. 000407-2013-010580, respectively). Yesterday, 02/04/2013, I received a response from a specialist at the Customer Care Service of Sberbank of Russia with the following content:
“10/31/12 You made a cash withdrawal operation from an ATM. The operation was canceled as a result of a failure and the transaction amount increased the spending limit of your card on 11/06/12. And on January 11, 2013, after reconciliation, the excess credited amount was debited from the account. I recommend that you obtain a report on your card account for the specified period and compare the amount of receipts with the amount of expenditure transactions.
As for your requests, as soon as work with them is completed, you will be provided with an official response from the bank.”
Based on the bank’s response, respected specialist of the customer care service of Sberbank of Russia OJSC Alexander Ryabchikov, I would like to clarify the following. That, being a financial specialist, I, of course, requested a detailed statement of my account. From which it is clearly visible that on 10/31/2012 I had a cash withdrawal in the amount of 500 rubles, and also on 10/31/2012 I had the amount of my salary credited for the month of October. On November 6, 2012, no operation took place on my card. On January 11, 2013, I only had the amount debited to pay for goods at Detsky Mir. Until this moment, I sincerely hoped that Sberbank OJSC would provide me, as a regular customer, with overwhelming support and assistance in resolving my situation. But in fact, it turns out that the customer support specialist, in order to whitewash the already damaged reputation of Sberbank of Russia OJSC, is currently providing me with false information. I don’t want to wonder what your level of qualifications is, dear Alexander, but I clearly conclude that when you tried to respond to my review, you were not guided by my data, and certainly not by my personal account statement.
In the report, I clearly indicated that in addition to the illegal debiting of 20,000 rubles from my account on January 14, 2013, I also had contested illegal transactions dated November 1, 2012 for debiting 20,000 rubles from my account, as well as on November 8, 2012 for crediting an amount of 20,000 rubles . You, dear customer care specialist, did not mention a word about them. I am very glad that I contacted the authorized bodies of the Russian Federation. I am now 100% sure that if the bank continues to pursue a policy of “footballing” towards me, I will certainly file a lawsuit. In view of the fact that your telephone calls are recorded, video cameras are installed on ATMs, when withdrawing cash through ATMs, transaction codes are reflected on TWO receipt tapes of the ATM, I will be able to compile an evidence base that Sberbank OJSC, trying not to wash dirty linen in public, He is trying to cover up the facts of internal fraud with all kinds of lies.
Moreover, today, 02/05/2013, I contacted the Additional Office No. 01621 of Sberbank of Russia OJSC at 3rd Samotechny Lane, 19, to receive a detailed description of my three controversial transactions. To which the employees of the Additional office told me that they could not perform the requested operation, because... my bank card issued to my personal account (through which the unauthorized debits were made) is blocked (of course, it was varnished by me, or Sberbank OJSC believed that I would continue to allow my funds to be managed like this for their own selfish purposes). Blocking a bank card does not constitute grounds for refusal to submit documents confirming (describing) transactions performed on my bank card. I filed a statement in the Additional Office No. 01621 indicating all the actions of employees that violated my rights. I am fundamentally disappointed with the work of Sberbank of Russia OJSC.
How to view the history of receipts in Sberbank Online
Often there is a need to analyze your income and expenses. Sberbank clients have the opportunity to do this through remote banking. All receipts and write-offs are displayed in Sberbank online in the receipt history. Information is provided in tabular and graphical form. The use of encodings next to each transaction allows you to uniquely identify the source of income.
How to view recent transactions
Typically, income analysis is needed to determine how much you earned over a certain period, or to compare wages by month. In addition, viewing the history will allow you to establish exactly who and in what amount transferred money to you, when the replenishment was made through an ATM, etc.
How to find out the receipt of funds on a Sberbank card
The easiest way to view the history of funds received on a Sberbank card in Sberbank Online:
- in your personal account go to the Cards section;
- Click on the name of the card you are interested in.
The window that opens will display the last 10 card transactions, including debits and deposits, in tabular form:
- type of transaction (indicating the place of payment);
- date of;
- amount in rubles (transactions in foreign currency will be recalculated at the then current exchange rate).
The information received can not only be found out and viewed, but also printed for personal use.
Information about the transfer of funds to a Sberbank card can be presented not only in tabular, but also graphical form. This will allow you to quickly and accurately analyze revenues for a certain period.
How to order a graphic statement of a personal account
In the same section you can view a graphical account statement. It will show in graphical form the history of funds received in Sberbank Online, as well as their write-offs:
- green – receipts (salaries, transfers, cash replenishment, etc.);
- red – write-offs;
- the blue line is the balance (i.e. the balance in the account).
A graphic statement is generated separately for each card, but is not available for credit cards and corporate cards. The maximum period for submitting a report is six months.
Order an account statement
If the information provided on your Sberbank card or account is not enough for you, you can get more detailed information. So, in Sberbank Online you can view the history of receipts of funds by receiving a detailed bank statement.
Receiving a detailed statement
To find out more detailed information about the movement of funds in the account, you need to:
- go to the Maps section;
- click on the name of the desired plastic;
- Click on Full bank statement (printed in semi-transparent font on the Recent transactions tab);
- select the period for receiving information - for a week, a month or an arbitrary period (the maximum period is not declared, but in practice it is impossible to receive an extract longer than a year - an error in generating the extract appears).
A complete bank card statement can be generated for a week, a month or an arbitrary period
The statement will be presented in the form of a table located in a pop-up window (if it does not appear, make sure that the browser allows pop-up windows to appear, and also disable AdBlock). The statement will contain information that will allow you to find out:
- date of operation;
- document number (if there is a payment order or if the funds were transferred to a savings book, in other cases the field will remain empty);
- transaction code (if you are interested in how to find out the history of receipts in Sberbank Online, look for the codes of receipt transactions: 2 – transfer from other persons, 15 – payment of wages, etc.)
- name of the operation;
- debit amount (account DT) and credit amount (account CT);
- remainder.
At the bottom of the table is also the balance (turnover), as well as the remaining amount as of today, which you can find out if necessary.
Is it possible to save data
Unfortunately, saving such an extract is problematic - when copying it into Word, the columns will get mixed up. You can solve this problem by ordering an extended statement by email. To do this, you need to click Order a report by e-mail in the same section, select a deadline and indicate the email itself.
The extract will arrive within 10-15 minutes to the specified mailbox. It will be presented in two formats: rtf and txt. Such a statement provides information in more detail: for example, it can track from which ATM or which current account the deposit was made.
Conclusion
Thus, you can find your receipt history in Sberbank Online in several ways. The easiest option is to simply view recent transactions. You can also analyze a graphical statement to visualize your income and expenses, view the full statement in a pop-up window, or order a transaction report by email.
Often there is a need to analyze your income and expenses. Sberbank clients have the opportunity to do this through remote banking. All receipts and write-offs are displayed in Sberbank online in the receipt history. Information is provided in tabular and graphical form. The use of encodings next to each transaction allows you to uniquely identify the source of income.
How to view recent transactions
Typically, income analysis is needed to determine how much you earned over a certain period, or to compare wages by month. In addition, viewing the history will allow you to establish exactly who and in what amount transferred money to you, when the replenishment was made through an ATM, etc.
How to find out the receipt of funds on a Sberbank card
The easiest way to view the history of funds received on a Sberbank card in Sberbank Online:
- in your personal account go to the Cards section;
- Click on the name of the card you are interested in.
The window that opens will display the last 10 card transactions, including debits and deposits, in tabular form:
- type of transaction (indicating the place of payment);
- date of;
- amount in rubles (transactions in foreign currency will be recalculated at the then current exchange rate).
The information received can not only be found out and viewed, but also printed for personal use.
Information about the transfer of funds to a Sberbank card can be presented not only in tabular, but also graphical form. This will allow you to quickly and accurately analyze revenues for a certain period.
How to order a graphic statement of a personal account
In the same section you can view a graphical account statement. It will show in graphical form the history of funds received in Sberbank Online, as well as their write-offs:
- green – receipts (salaries, transfers, cash replenishment, etc.);
- red – write-offs;
- the blue line is the balance (i.e. the balance in the account).
A graphic statement is generated separately for each card, but is not available for credit cards and corporate cards. The maximum period for submitting a report is six months.
Order an account statement
If the information provided on your Sberbank card or account is not enough for you, you can get more detailed information. So, in Sberbank Online you can view the history of receipts of funds by receiving a detailed bank statement.
Receiving a detailed statement
To find out more detailed information about the movement of funds in the account, you need to:
- go to the Maps section;
- click on the name of the desired plastic;
- Click on Full bank statement (printed in semi-transparent font on the Recent transactions tab);
- select the period for receiving information - for a week, a month or an arbitrary period (the maximum period is not declared, but in practice it is impossible to receive an extract longer than a year - an error in generating the extract appears).
The statement will be presented in the form of a table located in a pop-up window (if it does not appear, make sure that the browser allows pop-up windows to appear, and also disable AdBlock). The statement will contain information that will allow you to find out:
- date of operation;
- document number (if there is a payment order or if the funds were transferred to a savings book, in other cases the field will remain empty);
- transaction code (if you are interested in how to find out the history of receipts in Sberbank Online, look for the codes of receipt transactions: 2 – transfer from other persons, 15 – payment of wages, etc.)
- name of the operation;
- debit amount (account DT) and credit amount (account CT);
- remainder.
At the bottom of the table is also the balance (turnover), as well as the remaining amount as of today, which you can find out if necessary.
Is it possible to save data
Unfortunately, saving such an extract is problematic - when copying it into Word, the columns will get mixed up. You can solve this problem by ordering an extended statement by email. To do this, you need to click Order a report by e-mail in the same section, select a deadline and indicate the email itself.
The extract will arrive within 10-15 minutes to the specified mailbox. It will be presented in two formats: rtf and txt. Such a statement provides information in more detail: for example, it can track from which ATM or which current account the deposit was made.
Conclusion
Thus, you can find your receipt history in Sberbank Online in several ways. The easiest option is to simply view recent transactions. You can also analyze a graphical statement to visualize your income and expenses, view the full statement in a pop-up window, or order a transaction report by email.
The transfer of funds using the Russian payment system is accompanied by the preparation of a special document - a payment order. The Bank of Russia, among the details of the payment order form, approved such a field as “type of transaction”. Let's consider what exactly the specified field means, as well as what exact value corresponds to the “type of transaction” field in the payment order in 2017.
Payment order
As follows from Art. 31 of the Federal Law of December 2, 1990 N 395-1 “On Banks and Banking Activities”, banks transfer funds in compliance with the regulatory procedure established by the Central Bank.
The form of the payment order, its details and their features are contained in the Rules for the transfer of funds approved by the Bank of Russia on June 19, 2012 (hereinafter referred to as Rules No. 383-P).
All details of the payment order are important for the correct identification of the payment by the credit institution and the correct execution of the payer’s will to transfer funds. If there are inaccuracies in the details of the payment document, this may result in an erroneous transfer of funds or incorrect identification of the payment.
The list of payment details with their explanation is contained in Appendix 1 to Rules No. 383-P.
The main details of the payment order include:
- information about the payer (this includes his name or full name (8), INN (60), KPP (102), bank details (9, 10, 11, 12));
- information about the payee (this also includes name or full name (16), TIN (61), KPP (103), bank details (13, 14, 15, 17));
- information about the payment (amount in rubles (6, 7), KBK - for payments to the budget (104), the corresponding purpose of the transfer (24)).
The payment order also contains other details, including “Type of op”. This detail is located in field No. 18 of the payment card and stands for “type of transaction”.
Type of transaction in a payment order
Field No. 18 of the payment order must always contain the value “01”. This is due to the fact that there are only three values for the corresponding field and only one of them corresponds to the payment order. The remaining values are as follows:
- "06". The indicated value corresponds to the collection order;
- "02". This value corresponds to the transaction type “payment request”.
Do not confuse the values of the “type of transaction” (18) and “type of payment” (5) fields. The payment type field must indicate the value set by the credit institution. Such values may be an indication of urgency or form of payment (for example, “urgent”, “telegraph”, “mail” or another value). If such a value is not set by the bank, the specified field is not filled in. The specified detail has nothing to do with the “type of transaction” field; the values of these two fields in the payment order do not correlate in any way.
Thus, if a payment order is filled out, the payer must always indicate the type of transaction “01” in the corresponding field (18). Specifying a different value will result in a discrepancy between the type of operation being performed and the corresponding details of the document accompanying this operation.
Based on Federal Law No. 161-FZ dated June 27, 2011 “On the National Payment System,” the bank is obliged to monitor the correctness of filling in the details of the client’s order. If the result of this check is unsatisfactory, the bank will be forced to reject the client's order and notify him of this.