Open an account in the Swedish bank. Deposits in Swedish Crowns. Bank account in Sweden for deposits
Deposits in Swedish Croons may be interested in those who receive income in Sweden or plans to associate their lives with this country, despite the fact that their yield is significantly less than on deposits in rubles, dollars or euros.
The costs of converting rubles to Swedish crowns and back, as well as commission for non-cash transfers, can significantly reduce yield. Learn in advance these conditions in your bank.
Deposits in Swedish crowns in Russian banks are subject to the state deposit insurance system. Insurance amount is paid in rubles at the rate of the Central Bank of the Russian Federation at the date of the date of the license from the bank. The amount of payment cannot exceed 700 thousand rubles. The client receives not only the deposit amount, but also interest during the actual location of money in the bank.
As of the spring of 2014, almost all Russian banks do not take mass deposits in Swedish crowns, making an exception for rich customers, for example:
Contribution "Premium Reserve" In Promsvyazbank.
The contribution is valid only for wealthy customers. The minimum amount is 2 million Swedish crowns (more than 11 million rubles). Under the deposit period of 367 days the rate is 3% per annum.
City of the presence of the bank: In which cities, Privat-Banking service acts in the bank.
Contribution "Universal" in Sberbank
The profitability of the contribution is symbolic - 0.01% per annum.
Sweden: Do not ship the currency of suitcases
From Belgium, our correspondent headed by straight to Sweden. Looking at the traveled path, we must admit that too little attention was paid to Northern Europe. And in vain. Scandinavian countries thanks to the geographic proximity to Russia have become recently the arena of the active activities of domestic businessmen, although the "invasion of entrepreneurs" from the republics of the former Union creates certain problems for the Swedes and not everyone likes.
According to the employee of one of the Swedish banks, today there is no too flattering opinion in the country from the CIS and Baltic countries. The press, according to his expression, "buzzing, like a tightened hive." The newspapers launched a real campaign for tightening money control coming from the East. We have already noted in our previous publications that in the West the struggle against money laundering increases. According to Sweden, a special law will be adopted in the near future with the aim of preventing the use of Swedish banks for illegal operations. The main provisions of this law will comply with the requirements of the UES (it is expected that Sweden will come to the European Community after a while). Such bills oblige commercial banks to inform the competent authorities of their countries about all operations that have suspicious. And suspicions can cause major money transfers from countries with a bad reputation or the use of accounts in Swedish banks for transit operations in favor of third countries. Moreover, there are quite small amounts "large". According to the representative of one of the Swedish banks, the central bank should report all receipts exceeding SEK 50,000 (less than $ 7,000). In addition, as is well known, the primary operation in the process of laundering of funds received by illegally or covered from taxes is most often the introduction of cash to bank accounts. Therefore, banks in countries with traditionally strong banking controls particularly closely relate to this kind of operations. Now imagine that the Swedish bankers were to feel when they were in the country from Russia and the Baltic republics, the flow of people with a suitcases, and even just suitcases batted by dollars. As a result, today, experts are evidenced, some large Swedish banks are well aware that Russian citizens and firms can open accounts abroad only with the permission of the Central Bank, they require the relevant license from Russian individuals and legal entities. At the same time, the bank is often wondering and the source of funds entering the account. Of course, there is no rules without exception, and with due perseverance, you can find a bank, where through your fingers will look at your citizenship, but in general the situation is not so favorable as in some other places. However, even if you distract from purely conjuncture moments, then the Sweden in comparison with other countries does not look very liberal. The country is strong traditions of state regulation of the economy. Of course, no "anonymous" bills in Swedish banks are not allowed. On the contrary, for consistent control of residents of residents coincide with the numbers of their social security cards (Social Security Number).
Let us return, however, to the opening of accounts. Swedish legislation allows non-residents to discover accounts in local banks. In this case, it is necessary to submit a passport and fill in a special form. Legal entities submit a certificate of registration. In addition, representatives of the company opening should have an identity card with them. In some cases, at the request of the Bank, the company represents the balance and other statements, which gives an idea of \u200b\u200bits financial position. In addition, some banks require both private individuals and firms recommendations.
Accounts will open for free, but the commission is annually charged for serving corporate accounts annually, the size of which depends on the number of account operations. Translation to another Swedish bank can cost SEK 70 (about $ 10), translation abroad SEK 50--300 ($ 7--40). The poster of credit will cost you 0.4--1.5% of the amount. For some services you need to pay quite a lot. For example, drawing up a bank certificate of payments made on account for presentation auditors or for other need will cost approximately SEK 1.400 (approximately $ 190), a certificate of operation performed according to your account more than six months ago - SEK 500 ($ 68), Cancel or fix already executed operation - SEK 300 (more than $ 40).
Customers open current and savings accounts. To open the current account in crowns, no minimum residue is required. However, if you open an account in foreign currency, it is necessary to make at least $ 25,000 or an equivalent amount in another currency.
Almost any person who has an invoice can receive a checkbook or a card for an ATM. Check can be written to any amount; The card for the ATM has limitations - no more SEK 2000 at a time and no more SEK 8000 per week. For a credit card, as in other countries, additional efforts are required. The bank may require you information about your income, recommendations (for example, from the employer) or making an insurance deposit. According to the representative of one of the Swedish banks, the issuance of credit cards to non-residents is not "ordinary practice." The annual charge for using the card is approximately SEK 225 (about $ 30). A lost or stolen card can be placed in the "Stop-List", it is worth only to call around the clock. It will cost this in SEK 187 (approximately $ 25).
Current accounts give their owners a very small income, as a rule, up to 2% per year. Savings accounts in the Swedish crowns are on average bring 6--8% per year. The maximum billing rate, the remainder of which is at least SEK 100,000, reaches 10% per annum.
In almost all Swedish banks there are Asset Management Departments - assets management departments that provide customers with the placement of temporarily free funds in securities.
The client itself chooses a score management method. You can send written orders to the bank by mail, transfer instructions for fax or telek. In all cases, codes are used to protect the account from the use of unauthorized persons.
More detailed information on the rules of opening and maintaining accounts in Sweden banks has a commercial bank "ESCADE", the first of the Russian banks opened a representative office in Stockholm.
Opening an account in the Swedish Bank is a fairly simple and fast process, unless you have a personal number (Personnummer).
Open an account in a bank in Sweden without personal number
This task is difficult to implement. In general, the law does not prohibit open accounts to persons who do not have a Swedish personal number, but each bank establishes its own rules, and each potential client without a personal number is assessed individually. If you can prove your value for the bank - for example, to provide an agreement on obtaining regular payments from a Swedish company or an extract from your current bank. In a word, this is a complex and atypical task, and if you just have "from the street" to any bank, without having a personal number, you will refuse you.
Thus, if you, for example, study at the Swedish university, do not plan to stay in Sweden for longer than the year and therefore can not get a personal number, it is recommended to use your current bank account. By the way, if you need to make cheap money abroad, it can help such a system like TransferWise.
Open an account in a bank in Sweden with a personal number
Everything is easier here. The most popular banks of Sweden - Handelsbanken, Swedbank, Nordea Bank and SEB. Most banks are open on weekdays from 10 to 15 hours (some affiliates are only up to 13 hours), everything is closed on weekends and holidays. Therefore, a hike to the bank will have to schedule in advance.
Take a passport or ID card and a tax paper (Skatteverket) with your personal number. Also, if you have already settled in a removable apartment, a housing rental agreement can be useful, which contains your address of accommodation. In addition, you may ask you a copy of an employment contract with a Swedish employer or confirmation from the employer about hiring you to work.
By the way, a good idea - before visiting the bank to call his informational service and clarify what documents will be required from you.
In any bank you will be served in English. If you do not understand something - ask to explain again and again, take information brochures on this topic and study at home. Do not sign anything without understanding the essence of the agreement - the course of thoughts "subscribe, and then I will understand" here does not work.
In general, it is necessary to familiarize yourself in advance with the list of bank services on its website and think what of which you need. For example, Swedish banks offer a huge number of digital services, including a personal device (Säkerhetsdosa), which protects from the steal of passwords and making Internet banking more reliable. Also more and more people use the application for smartphonesSwish.
A debit card is usually attached to a bank account (BetalKort), the ability to use a telephone bank and Internet banking. The telephone bank usually works until 21-23 pm, and in Nordea - around the clock. SEB offers telephone banking services in 25 languages. And on the SWEDBANK bank website, you can even find a phone load sign: https://www.swedbank.se/privat/kontakta-oss/index.htm, point När Går Det Snabbast ATT Ringa Till Telefonbanken? Green on the diagram is marked when the telephone banking line is less busy.
Few Russian banks offer their customers to save money in exotic currencies, in addition to traditional US dollars and euros. However, they also use albeit small, but in certain demand. Their share in the basket of attracted deposits reaches 1-3%. "Exotic" Most banks include Private Banking software package. Below we chose for you quite ordinary, unprivileged deposits.
Most often, such deposits are discovered for two reasons. One of them suggests that a person often travels to another state, so it is advantageous for him to have an account in Russia in the currency of this country. So much will save funds in the exchange rate during the exchange of currency. For example, exchanging rubles first on the euro, and then the euro on the crowns already in Sweden can lose a considerable amount. Direct exchange of rubles abroad is almost anywhere. And the calculation of the card, the account of which is conducted in the euro, is also less economical than in the national currency of that country. In this sense, the "exotic" deposit in Russia will be even more profitable if there is also a current account in the same currency tied to the bank card here. Can be made non-cash translation of accumulated funds from the Russian Federation to your personal foreign account. Note that Russian contributions sometimes show a greater profitability than the homeland of the national currency.
The second reason is called the opportunity to earn on changing the currency rate, the dynamics of which on the stock exchange differ from the growth of the dollar or the fall of the euro, which is noticeable in the charts shown in the first table. But this option uses only those who are well versed in stock exchange courses.
To correctly assess all these factors in the review, the following useful information is given:
- dynamics of changes in courses in the last two years,
- the maximum difference between the greatest and least magnitude of the course for the same period,
- the average margin between buying and selling when exchanging cash or non-cash funds in commercial banks, which is important if we translate one currency to another,
- the average rate on deposits in the country where the national currency is issued.
Note that it is possible to contribute to the contribution or remove funds from the account not only in the specified currency, but also in rubles. The rate of recalculation given in the text corresponds to the official exchange rate of the Bank Rossi by 01.03.2013. Usually, Moscow banks restrict the opportunity to open an "exotic" deposits in other regions of their presence. But the number of banks operating with the "exotic" is constantly increasing due to the growth of such demand. For example, in recent times, Chinese yuan uses specially popular in Russia, as business relations between our countries are developing rapidly.
For comparison, contact the table of estimating two main currencies:
The dynamics of the behavior of currency exchange rates for the period from 01/01/2011 to 03/01/2013:
Japanese Yen (JPY), Bank Express Credit, Maximum contribution
For Japanese yen, the highest percentage offers an express loan bank: from 0.5% to 4.7% per annum. Here the rate depends only on the placement period: from 31 to 1095 (3 years) days. In the contract, the depositor can fix any period up to a day in this limit. The greatest yield of 4.7% will be in terms of 2 to 3 years. Interest is paid at the end of the term without the possibility of capitalization. The minimum contribution amount is 500,000 yen, which is 165 102 rubles. The contribution is not replenished, it is also impossible to shoot part of the funds. Early termination entails a change of interest at the request "to demand".
In other Russian banks (for example, in Sberbank and My Bank), you can find "Japanese" deposits with yield from 0.25% to 4.2%. In the homeland of Japanese yen, the rate of banking deposit demonstrates the average level of 0.1%. The fluctuations in the yen course on the Russian market in the last two years showed the differences from 31,9469 rubles. up to 43,5650 rubles, i.e., the gap amounted to 11.6181 points. When calculating the ruble amount, it is necessary to consider that the course is always indicated for 100 yen. Margin between buying and selling in our commercial banks is approximately 5 rubles per 100 yen.
Chinese Yuan (CNY), Asia-Pacific Bank, Asian contribution
"Chinese" percentages of this bank only a little different from the rest, but other conditions for timing and amounts look more attractive. Deposit yield from 1.5% to 3%. There are only four bets that depend only on the duration of the contribution: 3 months, six months, 9 months and a year. Interest enrollment occurs on the end of the contract. The maximum income is possible in terms of 367 days and does not depend on the amount. The minimum contribution is 3,000 yuan, which at the official rate was 14,713 rubles. Deposit can be replenished with the amounts of 3,000 yuan, including in the ruble equivalent.
The Asia-Pacific Bank is included in the first hundred Russian credit institutions, occupying there 60s.
The account in Chinese yuan is offered to open also in interruption, communication bank, BBD Bank, my bank, VTB24. Yield can reach 4%. In the homeland of Yuan in China, the contribution rate will be 6% per annum. In the past few years, Yuan on the Russian market hesitated from the mark of 41,9772 rubles. up to 53,4657 rubles. For 10 yuan. The maximum gap for 2 years amounted to 11,4885 rubles. The difference between buying and selling when exchanging about 5 rubles. When calculating, it is necessary to consider that the price in rubles is usually indicated for 10 units.
Australian Dollar (AUD), Promsvyazbank, Premium Reserve contribution
Promsvyazbank is one of the few who offers any client (not only by the PRIVATE banking user) to open an account in Australian dollars. The yield of such a contribution depends only on the period and only two values \u200b\u200bof 3.75% and 4.75% per annum shows. Funds can be accommodated for half a year (181 days) or year (367 day). Percentages are accrued for each day and is paid at the end of the term. Starting amount for savings - 300,000 Australian dollars, or at the rate of Central Bank 9 405 450 rubles. You can replenish your account contributions from $ 120,000 at any time, excluding the last month. It is possible to open a contract via the Internet. There is no benefit with early closure, in this case the bet is changing to "demand".
Promsvyazbank stably takes 10th place in the ranking of Russian banks.
Australian deposits within the framework of private service are also offered in Nomos-Bank, UniCredit Bank, Investtorgbank. In the Australian itself, deposits in local currency reach a 4% mark. For the last couple of years, the course of such exotic dollars was established by the Bank of Russia from 28.2485 to 34.1792 rubles. The difference of oscillations was 5,9307 points. Margin for exchange when buying-selling - approximately 1 rub. for a unit.
Canadian dollar (CAD), Promsvyazbank, Premium Reserve contribution
Two terms and two types of bets them offer a special deposit of Promsvyazbank. The Canadian dollar in it shows the yield of 2.25% and 3.25% per year. The duration of the contract will be 181 or 367 days. The highest income - when placing a year, percent enrollment will occur at the end of the term. The minimum contribution is 300,000 Canadian dollars, which at the official rate is 8,953,170 rubles. An account can be replenished with contributions of at least 120,000 currency units. In case of early termination there will be no benefits. More recently, the bank provided the opportunity to open deposits through the Internet in any currency, not only in rubles.
The Bank is included in the top 10 of the best Russian banks in many financial indicators.
In his homeland, the Canadian dollar gries in bank deposits by about 1% per year. Our banks (for example, Sberbank, Nomos Bank, Bank Petrocommerce) show a much better yield of such deposit products. In the Russian foreign exchange market, the Canadian dollar rate in the last two years ranged from 28,3133 to 32,8907 rubles, and this is only 4,5774 rubles. Differences. Note that this is the most insignificant differential among the submitted currencies. Margin in exchange operations will be about 1 ruble for each Canadian unit.
Swedish Crown (SEK), Promsvyazbank, Premium Reserve contribution
And for Swedish crowns, Promsvyazbank also offers the best conditions among its colleagues in the deposit market. The yield of this currency grows from 2.75% (after 181 days) to 3.55% (through 367 days) per annum. The rate does not depend on the size of the embedded amount. The minimum contribution is 2,000,000 kroons, and this is at the rate of the Bank of Russia 9,489,760 rubles. The percentages are accrued and paid at the end of the contract. There is an opportunity to make additional contributions by sums from 800,000 Swedish crowns. Expenditure operations are not provided, as well as benefits in the early closure of the contribution.
Among other domestic banks, Promsvyazbank stands on 11 stitching in terms of equity.
Swedish crown take on deposits in Sberbank, Investtorgbank, UniCredit Bank. The yield of deposits in national currency in Sweden banks shows the average level of 1.5% per year. Over the last two years, the crown rate ranged from 42.5640 to 48,7784 rubles for 10 units. Here the maximum difference was 6,2144 rubles, which is relatively slightly compared to Asian currencies and comparable to the American dollar. Margin of banks When buying, selling crowns will be about 2 rubles per crown in stable market conditions.
New Israeli Shekel (ILS), Centrocredit Bank, Contribution "Profitable"
In the spring of 2008, the Centrocredit Bank opened the opportunity to save funds in Israel currency for its customers. It is said here that this product is in certain demand among citizens regularly traveling to Israel. The rates of such a contribution begins with 1.9% and rises to a level of 3.4% per year. The exact percentage depends on the term and sum of savings. The maximum profitability will reach more than 80,000 new Israeli shekels in a year. Deals to conclude four: 31, 91, 181, 370 days. The minimum amount for the deposit of 1,000 shekels, which in ruble equivalent was 8,544 rubles. The account can be replenished. The early termination will be on the condition of the "demand" rate
Centrocredit is included in the top 100 Russian banks, where it takes 78th place.
Since 1985, the Israeli Shekel is called "New". At the homeland of this currency, interest rates on bank deposits show the average level of 1% per year. In addition to the centercredit of other institutions working with this currency in Moscow, we did not find. Since the Bank of Russia does not expose daily courses for shekels, we cannot assess the dynamic fluctuations on the ruble, but they found the dynamics for you towards the US dollar. Market course showed on March 1, 2013, the value of 8.2542 rubles for Shekel. Usually in the bank install margin between purchasing and selling currency in 1.5 rubles.
For their contributions from all exotic currencies, the most Russians prefer and. We will tell about deposits in these most stable European money in the next review.
Articles on the topic
