Remote service Sberbank business online. Sberbank universal agreement

In the age of high technology, a person has a great opportunity to manage funds on his account without leaving his office or home. All the necessary information can also be obtained online. For such performance of such actions, Sberbank has developed a number of systems that serve customers remotely. At the same time, the user feels as protected as possible, knows that his account cannot be hacked or personal information obtained.

Today, remote service is relevant not only for individuals, but also for corporate clients. Entrepreneurs know that all electronic payments made within the system will be confidential. Automation allows you to perform operations almost instantly.

Varieties of remote banking systems

Sberbank offers several varieties today remote service:

1. The Sberbank Business Online system itself, which allows you to prepare payments in any of the browsers and send them to the recipient. Other transactions are also possible.
2. Special mobile app for corporate clients. It can be used by individual entrepreneurs and legal entities. At the same time, business planning, cost control and other changes in the system, and operations with your finances are available in just a couple of clicks.
3. e-invoicing. This universal system is designed for electronic document management. It will help you to solve tasks in any place. At the same time, the size and type of activity are absolutely unimportant.
4. Sberbank Business System. To work in it, you need to download the appropriate application to your computer.
5. Sberbank client system that can be used to create and transfer payment orders. It allows you to find out how much money is in the account. The user can instruct Sberbank to transfer money to their deposits or accounts of other individuals and legal entities, including payroll projects. In this system, you can perform actions with foreign currency and securities. Organized the ability to communicate with Sberbank, view the archive.
6. Voice service system. The point is to receive timely information by phone or fax 24 hours a day. At the same time, you can find out about the funds available on the accounts, the timing of loan payments and other data.

How to connect to remote banking systems?

The connection should be made by visiting the branch of Sberbank in which the organization’s cash settlement occurs or individual entrepreneur. Having declared your desire, it is necessary to conclude an agreement, after which the service will be provided to the client.

What are the advantages of remote systems?

The huge popularity of remote banking systems is due to a number of significant advantages over other forms of service. The most significant are the following factors:

• a serious reduction in the funds required for the processing and further storage of documentation in paper form, due to the transfer to electronic form;
• you can work with payment documents (their preparation, preparation and sending) in any browser when connected to the RBS;
• without leaving your own office or even at home, work with payment documents, including receiving information about incoming payments, studying data on the status of the organization's current accounts;
• constant access within 24 days, 7 days a week, regardless of the location of the client;
• reduced tariffs for transactions in remote banking systems, rather than with the usual service of Sberbank of Russia;
• a simple, understandable and structured system interface that allows you to study incoming and outgoing documentation;
• transactions without visiting a branch of Sberbank;
• access to a personal account in the system can have several people at once;
• quick access not only to your personal account, but also to the reference data necessary to carry out work within the system.

Sberbank is constantly improving its systems. Wherein Special attention given to the convenience of customer service. Today corporate clients can:

• send payment documents electronically to your counterparties at any time of the day;
• to buy currencies for more favorable conditions(there is a list of offers for certain currencies);
• perform operations on payment documents for which the operating time has ended.

Convenience of subsystem Checkout Online

Today, another interesting offer of Sberbank was the receipt of account statements through the Online Statement system. These operations can be performed in real time. This subsystem is additional opportunity RBS system Business Client.

This system works without public holidays, weekends, lunches, which is a definite plus. At the same time, statements from the personal account can be received in real time within a few seconds, after pressing just a few buttons.

The undoubted advantage is that at the same time access can be provided not only to the head of the organization, but also to a number of employees. At the same time, the owner of the company decides who to give such a right to. As a rule, accountants and personnel officers are trusted to receive such information. Some of them can become an active participant in the system and make transactions with accounts.

To enter the remote service system, you need a login and password, which are issued by the bank.

Users can easily view reports for a specific period of time, after setting the parameters. The necessary information can not only be displayed on the screen, but also printed out to be used in the work.

More and more customers are using various bank services. Few people thought that most of them can be obtained without leaving home. Sberbank RBS will ensure timely payment of regular monthly payments, Money transfers to any accounts, as well as other popular products in just one click.

Remote banking service in Sberbank

To appreciate all the possibilities and advantages of remote banking services, you need to become a client of Sberbank.

System characteristic

Any money transfers can be received on the issued account - salary, pension payments, or you can make any amounts yourself. To gain access to the system, you must register. You can do this at any branch of Sberbank. With the help of DBO, you can perform the following operations:

The listed services are the most popular. No commission is charged for paying utility bills. For money transfers, a commission is charged depending on the size of the transfer.

RBS features

The remote maintenance service is provided free of charge. Any financial transactions are completely safe. For each operation, a one-time password is generated, which is sent to the client's associated mobile phone number.

Additional options for using the RBS system are listed below.

• For maximum ease of use, you can use the service Mobile bank, where all the necessary actions are carried out directly from a smartphone or tablet. To avoid unforeseen situations, it is not recommended to leave the gadget unattended.
• Each completed operation (withdrawal, replenishment, transfer, etc.) is duplicated in the form of an SMS message indicating the time, place and amount of the operation. For the activated SMS notification service, a commission is charged monthly, at least 30 rubles.
• Using RBS, customers can apply for a loan and arrange it on preferential terms, with a minimum package of documents and terms for consideration of the application. There are also preferential conditions for opening a deposit online in the form of an increased interest rate. Making a deposit is quite simple - you need to select a deposit program and transfer the desired amount.

Favorable tariffs for services in the RBS system are provided both for organizations and legal entities, as well as for private clients.

Benefits of online services

Remote banking service allows you to quickly perform almost any financial transaction without visiting the bank and filling out payment orders.

Using the Personal Account, you can make any payment by confirming the details and indicating the amount of the payment. Funds are credited to the account instantly, and you can make an operation at any time - the service is available around the clock.

Provided remote service for small and medium businesses. The advantage is that you no longer need to prepare and store documents in paper form. The system automatically generates and sends the necessary payment orders.

In addition, on RBS, Sberbank for business is much lower than with standard banking services. Round-the-clock access to the service and the possibility of its use by several users at once eliminate the need to visit the bank.

Online banking systems for business

RBS for business is available after a contract for such service is concluded. Currently, there is no need to sign a lot of documents for this. It is enough to conclude a Design Agreement between a legal entity and Sberbank.

Sberbank Business

RBS on the Sberbank system business can occur by installing special application on the client side.

There is round-the-clock support for those customers who use this system for the first time. Therefore, the installation of the system is no inconvenience, but on the contrary, it will make the system of settlements and doing business easier.

The RBS system for business has introduced a new feature for use. Now you can check your counterparties before making a deal directly through the remote system. With this check, you can always install if necessary:

• General information about the company in question;
• At what level are its financial indicators;
• Are there any obligations resolved by the Arbitration Proceedings;
• Does the organization have a license and is it bankrupt.

It is important that before performing any action, you can be consulted by a specialist via chat. Issues are resolved online. technical feasibility your mobile device.

e-invoicing

E-invoicing is a special system that simplifies the transfer of documents between the bank and counterparties with your participation. Employees can send documents remotely.

Documents sent through the system remotely may have a signature that you are entitled to receive when using this system. Electronic view signature can be in the form:

• USB token;
• cloud signature.

Electronic reporting can be sent to organizations such as Pension Fund, Federal Tax Service, FSS, Rosstat.

For documents sent to you by your partners, verification of the reliability of the data provided is also available. An electronic signature, which is used when working with documents through this system, is issued free of charge.

Remote service for individuals

For private clients, Sberbank offers to use online remote banking services that will greatly simplify your life in terms of competent distribution and management of finances. Sberbank Online and Mobile Bank are always at hand. It is enough to enter your login and password to enter your Personal Account, which accumulates all information on your deposits, accounts, loans. Let's note the most important features of the remote banking system for individuals.

Sberbank Online

Initial registration in the system occurs by indicating the number of your valid Sberbank card. If you have not previously concluded an agreement for remote banking at a bank branch, then you can independently expand the functionality of the system. In your Personal Account, you can save templates for regular and recurring payments, as well as be aware of financial information related to the exchange rate.

The remote banking system for individuals involves the provision of information about the bank's pre-approved offers for existing customers. You can see this data in the corresponding tab, for example, Credits.

All transactions made in Sberbank Online are carried out only after you personally confirm it by indicating a five-digit security code from an SMS message.

Mobile bank

The phone can be not only a means of entertainment, but also a financial assistant. In addition, Sberbank offers to install an Internet banking mobile application with a special Financial Assistant service. It will help you save up for a vacation or purchase a purchase in such a way that your family budget is not ruined.

What can Mobile Banking help you do:

• Become a contributor. The account can be opened without visiting the bank directly by the client.
• Get a loan. The pre-approved offers will be reflected on your screen, you will only have to fill out an application.
• Transfer money between your own accounts, one bank or to a card or account in another bank.
• Top up the phone, knowing only its number.

It is important that with the connected Mobile Bank you will be constantly aware of the movement of your funds. Money receipts, debits, payment for services, entrance to Sberbank Online - your every step will be duplicated by sending an SMS message from number 900.

All transactions are confirmed only by SMS messages that come from a well-known bank number 900.

Conclusion

Sberbank RBS is a convenient service for making all the necessary financial transactions anywhere at any time. Intuitive interface, wide choice banking services with attractive tariffs make its use as comfortable and profitable as possible.

PJSC Sberbank provides an impressive list of services that help reduce the time for financial transactions. To gain access to the expanded use of their accounts, Sberbank offers to conclude an UDBO Sberbank agreement (universal banking service agreement). We will talk about the features of this contract and the stages of registration in this article.

Why is UDBO necessary?

Before concluding a banking service agreement, the client must understand why it is needed. Without this document, Sberbank does not provide remote service services, as well as ATMs, terminals and intra-banking services. To date, Sberbank has developed two remote services aimed at performing financial transactions with the accounts of its users. These include services, as well as Personal Account, both for mobile devices and for PCs. Services allow you to carry out a whole list of financial transactions, including: payment for services (Internet, etc.). online filing and more. Here is an incomplete list of services and opportunities provided by UDBO:

• remote filing of applications for plastic cards international systems ();
• independent opening of deposits, including, and control over them;
• order to rent a safe at a bank branch;
• remote work with accounts using a computer, ATM, terminal and mobile phone;
• brokerage order.

How to conclude UDBO in Sberbank?

All expenses for the preparation of the contract, its editing and execution are borne by the bank. The agreement is the basic document and regulates the legal relationship between the client and the credit institution. You can become a client of the bank and conclude an UDBO agreement at the nearest branch of Sberbank, it is enough to order an account opening in rubles or a plastic card. If the client did not have an open account until this moment, then Sberbank provides free cards entry level, such as - and . You can get acquainted with the rest of the card options in.

To receive UDBO, it is enough to have a passport and a Sberbank card. If there is none, you can open it within 10 minutes.

There is no fee for the conclusion of the UDBO. The contract does not provide for time limits, and it can be terminated at any time.

Important! If the client has a card that is connected to the Sberbank Online system without an UDBO conclusion, then some of the opportunities provided by the remote service will be closed to the user. You can get full access by connecting UDBO remotely. To do this, having logged into the Sberbank Online system, you need to click on the "Connect" button in the category called "Connect all the features of Sberbank Online".

Termination of UDBO

You can terminate the contract at any time by contacting the branch with a passport. It is worth knowing that when UDBO is terminated, all accounts are blocked. Money can be received at the bank cash desk or transferred to any account. Termination of the contract also entails the disconnection of remote maintenance services. You also need to understand that after the termination of the UDBO, the further use of Sberbank plastic cards will be impossible

Continuing the modernization of technologies that have been developing since 2009 to provide a convenient and high-quality set of services in remote banking channels, since the third quarter of 2010, the Sberbank team has been conducting large-scale work to create a completely new solution for Internet servicing of individuals (based on the platform InterBank from company ). The new solution was called "Unified Retail Internet Banking".

In order to make the Internet banking interface as convenient and high-quality as possible from the customer's point of view, Sberbank conducts a study once a quarter, involving various categories of customers, measuring their satisfaction with the interface. Based on the collected feedback, the interface concept is being finalized, which in 2011 was adopted as the base one.

We believe that the time of standard, classic Internet banking systems has passed. The RBS Internet channel is a convenient and multifunctional tool that is available to any user with access to the Internet, aimed at providing the maximum possible set of services. In a single financial portal client, configured in the personal space, internal banking services (information about products, client assets, payments, transfers, account management) and various additional services, which are not directly related to the core business of the bank, but may be useful to increase the attractiveness and convenience of the Internet service. Such services can be: integration with various online communities, the ability to pay for tickets, hotel reservations, personal finance and family budget management. The next generation of Internet service should provide customers with the ability to receive and pay online. personal internet account all kinds of bills - from utility bills to purchases in ordinary stores. The payment service in various online stores without using a bank card through a fairly secure remote banking channel is an alternative option for making purchases on the Internet, which reduces the risks of compromising a bank card, which still remains a significant barrier to this type of payment in Russia and abroad due to frequent occasions fraud.

In addition to standard Internet services via the RBS channel, since the end of last year, Sberbank began to provide customers with the opportunity to buy products and services of the bank, and this year we will actively develop this area. AT this moment Internet banking already allows us to offer our customers various pre-approved products - credit cards, consumer loans, automatic balance replenishment mobile phones. Sberbank customers already have the opportunity to leave applications for loan products remotely, which are promptly processed.

Last autumn, a service for remote opening and closing of deposits was implemented in the Sberbank Internet channel. Now there is an active replication of this functionality throughout Russia. Current statistics show that this service in demand by a large number of Sberbank customers. Moreover, the reduced cost of performing these transactions (transactions in the Internet channel are performed without the participation of Sberbank employees in a fully automatic mode) allowed our business units to increase the interest rate on online deposit products in relation to interest rates, which the client can receive on standard deposits in branches.

BO REFERENCE

About the Unified Retail Internet Bank system of Sberbank
At the beginning of February 2012, the system was actively used by about 3 million customers who made an average of about two financial transactions per month. During the fourth quarter of 2011, more than 16 million transactions were made through the Internet banking channel. The Internet banking platform currently provides customers with more than 26 thousand different services, including payment services, transfer services between different accounts, both within the bank and interbank transfers, operations for opening and closing deposits, operations with depersonalized metal accounts, depo accounts and other.

We also created information services (so far only informational) for working with depo accounts. Starting this year, there is an active replication of the service of buying and selling precious metals in the Internet channel.

Of course, a lot of attention is paid to security issues. On the part of the bank, we establish certain rules of the game that allow our clients to bear minimal risks, while giving them the opportunity to manage the level of security of online transactions using a flexible system of limits and advanced settings security in personal account.

The new IT-platform of Internet service based on the results of the project "Unified Retail Internet Bank" is fully integrated with all internal systems for servicing individuals. All banking services are available in a single channel, and additional external services have appeared, developed jointly with our partners. These are services for paying for purchases in online stores, integration with portals of public services, the Federal Tax Service, the Federal Treasury. Some services are still outside the brackets, and this year the development of the Sberbank Internet platform will continue. We will develop and create new versions of the client interface, shifting the development focus from the classic web interface towards mobile and tablet devices. Since January 2012, after the implementation of a separate application interface, we have been able to launch applications for mobile platforms through a single channel iOS. Next, it is planned to bring to market versions of applications for Android, then for Windows phone 7 . By the end of the year, a new unified Java application will appear, which will be available for any mobile phone of Sberbank customers.

will receive further development a module responsible for integration with various external interfaces and allowing the client to provide additional, non-banking services in his personal account. Platform from monochannel ( WEB) becomes multi-channel (Java, iOS, Android, etc.). As a result of the development of the Internet platform, Sberbank will manage services in a unified manner, within the framework of a unified business logic and with a unified view of the client, and provide flexible services to the client in various channels - classic WEB-banking and a wide range of mobile devices on the market, on the Internet resources of the bank's partners.

In addition, Sberbank is actively moving towards creating a flexible and functional service for personal finance management and financial planning, but it is too early to disclose details. B.O.

Currently, Sberbank is actively developing electronic banking services to ensure the quality of service for clients of legal entities. These services include Mobile Banking and Sberbank Online. The client application database is over 9.4 million and 5.4 million active users. Volume of loans issued individuals, is more than 2.6 trillion. rubles 32.7% of the electronic banking services market in Russia.

Sberbank Online, which ranks first in terms of the number of active users (2.4 million people). Since 2010, Sberbank began to gradually transfer all its divisions to a single Internet banking system developed on the basis of the InterBank solution of the Russian company R-Style Softlab. Now 13 out of 17 territorial banks of Sberbank are connected to the centralized information security system. Migration to a single platform of the remaining four - West-Siberian, Ural, West-Ural and North-Western banks is planned to be completed no later than July 1, 2012. Sberbank has now released mobile versions Sberbank Online systems in the form of applications for Apple devices - iPhone and iPad.

In 2010, Sberbank canceled all commissions for issuing mortgages, consumer and car loans, and also announced the launch of a personal lending program at individual rates.

In 2011, the bank announced plans to enter the express lending market jointly with BNP Paribas (Cetelem brand). The controlling stake in the latter has already been bought out by Sberbank.

In 2012, Sberbank ousted the former leader in the segment credit cards- Bank "Russian Standard" in terms of loans issued, amounting to more than 150 billion rubles.

Sberbank's electronic payments are beneficial, first of all, economically. The savings lies in the rejection of daily visits to the bank. There are situations when visits are simply impossible (the distance the client is from the bank at the moment, business trips, urgent work, etc.). In addition, the productivity of accountants increases, because. the speed of processing the payment is much higher than in the manual version.

For large volumes banking operations the use of such systems leads to the release of jobs. The velocity of money circulation increases. According to customer reviews, due to the acceleration of settlements, cash turnover increases by 30-50%.

The "Internet-Bank" system of Sberbank is a specialized remote banking system - remote account management via the Internet.

With the help of the "Internet-Bank" system, the bank's ability to make payments is expanded, providing the freedom to choose the mode of communication with the bank.

The "Internet-Bank" system will allow you to independently, without outside help, perform most banking operations and receive all the information you need in any place where there is a computer with Internet access.

To enter the Sberbank Online system, customers are provided with:

• · a special user ID to identify the client when logging in, which is a unique digital sequence.
• · a multiple-use password with an expiration date set by the Bank. This code is used to authenticate the client when entering the Sberbank Online system.

The Sberbank Online system is a set of software and hardware tools of the Bank designed to provide Sberbank Online services to Clients via the global information and telecommunication network Internet.

A complete list of services provided to the Client through the global information and telecommunications network "Internet" is given in the Terms of Service "sberbank online", approved by the Resolution of the Board of OJSC "Sberbank of Russia" dated December 25, 2009 No. 379 §22a.

"Mobile Bank" service - a service of remote access to the Bank's card accounts using mobile communications, provided by the Bank.

A user ID (login) and a permanent password to enter the system can be obtained in two ways: either through self-service devices, that is, ATMs, or through a mobile phone if the Mobile Bank service is connected. In this case, it is enough to send an SMS request to a specific number.

In addition to a permanent password, the system also uses one-time passwords, which are required to ensure greater security for customers when making transactions. They can also be obtained through an ATM or via SMS.

There are several modes of functionality used in the Sberbank Online system. Restricted access is activated automatically upon receipt of a bank card.

With such access, following features:

• Viewing information on your Sberbank cards;
• · receipt of reports and information on the last ten card transactions;
• payment for services of legal entities;
• transfers between Sberbank cards, including those of third parties;
• payment of their loans;
• setting up templates of the "Mobile Bank" service for making transactions via a mobile phone;
• urgent blocking of a bank card;
• · printout of forms of standard payment documents for payment through Sberbank of Russia.

In order to get the full functionality mode, you must either conclude the so-called universal banking service agreement (UDBO), or write a separate application for connection to the system of accounts and deposits.

Full functionality mode additionally allows you to:

• · receive information and statements not only on cards, but also on deposits, current accounts, and metal accounts;
• pay for services not only to legal entities, but also government agencies;
• · make payments to arbitrary details, including in a third-party bank;
• transfer money between your accounts in Sberbank;
• open and close deposits, convert funds;
• pay off loans, and not only your own;
• create and modify templates for payments and transfers, as well as long-term orders to the bank for automatic execution of regular operations
• receive extracts from the FIU;
• · to suspend operations on the deposit in the bank division in case of loss of the passbook.

UDBO can be concluded at a branch of Sberbank, this will require an identity document.

Access to the Sberbank Online system is provided free of charge. At the same time, users receive a number of advantages compared to traditional office services. Firstly, transactions are much cheaper: payments to organizations with which Sberbank does not have an agreement to accept payments will cost 2%, not 3% of the amount. Secondly, the client will be relieved of the need to wait in line.

At the same time, there are restrictions on transactions carried out using the Sberbank Online system. For example, each individual payment third party organization, confirmed by a one-time password received through a self-service terminal, cannot exceed 3 thousand rubles. The total amount of such transactions per day is limited to 100 thousand rubles. Moreover, if a one-time password is received via SMS from the Mobile Bank system, then the limit is higher: up to 10 thousand rubles at a time and no more than 300 thousand rubles per day.

As part of the Sberbank Online service, customers perform the following operations:

• By deposits:
  • 1. Open deposits in Russian rubles, US dollars, euros ("Save Online", "Top Up Online", Manage Online");
  • 2. Transfer funds from the deposit account to your deposit account/card account/anonymized metal account or to another client's deposit/card account opened with Sberbank of Russia or another credit institution;
  • 3. Make a payment in rubles from a deposit account opened in rubles to the budget and state extra-budgetary funds in favor of legal entities (individual entrepreneurs);
  • 4. Pay off the loan;
  • 5. Issue/change/cancel a long-term order on the deposit account to transfer funds to the accounts of individuals and to pay off debt under a loan agreement;
  • 6. Suspend operations on the deposit account due to the loss of the passbook;
  • 7. Get information about the current amount of the balance on the deposit account;
  • 8. Get a statement of the deposit account;
  • 9. Get information about the maximum amount that can be withdrawn from the deposit account without violating the terms of the agreement;
  • 10. Open an unallocated metal account (OMS);
  • 11. Purchase / sale of precious metal in an unallocated form on an unallocated metal account (OMA).
• By cards:
  • 1. Transfer funds from the card account to the card account of Sberbank of Russia;
  • 2. Transfer funds from the card account to your deposit account or another client's deposit account opened with Sberbank of Russia or another credit institution;
  • 3. Make a payment in rubles from the card account (payment for the services of operators cellular communication, payment for utilities, etc.), as well as to other recipients;
  • 4. Pay off the loan;
  • 5. Issue/change/cancel a long-term order on the card account to transfer funds to the accounts of individuals and legal entities (payments), as well as to pay off debt under a loan agreement;
  • 6. Suspend the card;
  • 7. Get information about the limit of available funds on the card and about the last ten transactions on the card;
  • 8. Request a report on the card account to the e-mail address (E-mail).

Clients using this system can:

• 1. They receive information about loans from Sberbank of Russia (the amount of the balance of urgent and overdue debts, interest on the loan and the amount of the current payment on a certain date);
• 2. Get information about your Mobile Banking service;
• 3. Create templates for payments and transfers from deposit accounts and cards;
• 4. Get information about the balance and an extract from an unallocated metal account (OMS);
• 5. Transfer funds from an unallocated metal account to your deposit account;
• 6. Make transactions with securities on their depo accounts;
• 7. Fill out applications for loans and credit cards;
• 8. Connect the "Auto payment" service.

Analytical agency Markswebb Rank & Report has published the results of a study of Russian Internet banking services. The rating included 30 largest universal retail banks operating in the territory of the Russian Federation, having an Internet bank in Russian and providing individuals with a wide range of services (at least placing deposits, issuing loans and currency transactions). The rating data is presented in Table 3.

Sberbank Online was the only one that received an A rating in the rating, which means that the Internet bank is a full-fledged replacement for a bank branch: it implements features that usually require a visit to a bank branch (payments, transfers, loan repayment, opening a deposit, applying for a loan, card blocking, etc.).

The "Sberbank Online" service is available to all customers - holders of international bank cards of Sberbank. To use, you need access to the Internet, a login and a password, which can be obtained from any Sberbank self-service device.

Due to updates by the end of 2011, Sberbank increased the number of active clients of the Sberbank Online system to 2.6 million and replicated the Unified Retail Internet Bank in 14 out of 17 territorial banks. New services will be added to the system: in particular, the promotion of pre-approved loans, the opening of deposits, payment from the website of the OZON.ru online store, operations with depersonalized metal accounts, payment for booking electronic air and railway tickets, and the issuance of a virtual card.

"Currently, there are more than 3 million users of Sberbank Online, and their number is constantly growing," said Viktor Orlovsky, Senior Vice President of Sberbank of Russia. "This is a direct evidence of high quality provided service. We are constantly working on the development of this system in order to offer customers the highest quality and innovative services."

"Mobile Bank" is a set of services provided by Sberbank of Russia (hereinafter referred to as the Bank) via mobile communications to holders of bank cards of Sberbank of Russia.

Mobile banking is a convenient and simple service that allows Sberbank of Russia bank card holders to receive information about all card transactions using a mobile phone, as well as make payments, transfers and other operations at any time, anywhere.

Users of the "Mobile Bank" system have the opportunity to:

• top up the balance of your mobile phone or the phone of a loved one with a single SMS;
• · promptly receive notifications on card transactions on your mobile phone;
• · receive upon request information about the limit of available funds and about the last five transactions on the card;
• promptly suspend the validity of the card (block the card), for example, in case of its loss or suspicion of card fraud;
• · make payments from the card account without coming to the Bank in favor of organizations with which the Bank has relevant contractual relations;
• · transfer funds from one account of the Bank's card to another account of the Bank's card;
• transfer funds to charitable foundation assistance to children with serious illnesses "Give life";
• · receive notifications about transactions in Sberbank Online and passwords for transactions in Sberbank Online;
• · to receive informational and advertising messages from the bank and its partners .

According to Chart 1, in Sberbank from 2008 to 2011 there is a positive trend in bank accounts with access via the Internet and mobile communications. This fact speaks only of positive trends in the development of electronic banking services.

Chart 1 - Dynamics of bank accounts with Internet access

According to Sberbank analysts, over the past six months, the number of customers connected to the Mobile Bank service has increased by 27% and amounted to 28 million people. Sberbank services are available on 95% of mobile phones. Sberbank plans that next year the number of active users of the service will grow up to 20%, including due to the expansion of the list of transactions by mobile devices and creating applications for all major modern platforms: iOS, Android, Samsung Bada, Windows Phone7. For 10 months of 2012, 6.5 million payments were made with the help of the Mobile Bank service for a total amount of 1 billion rubles.