In the system of compulsory pension insurance, Sberbank NPF has become one of the leaders. This is a subsidiary organization associated with PJSC Sberbank. Not only those who have already collaborated with the company before, but also new clients who prefer reliable insurers can apply for services.
Every year the client receives a message at least once about the status of his account. To do this, notifications in writing are sent to the registration address. But there are other options for obtaining information.
How can I find out how much funds have been accumulated on the official website of NPF Sberbank?
There are several solutions for clients in such circumstances:
- Using special terminals.
- Through your Personal Account on the official website.
- Visit to Sberbank NPF branches.
Passport and SNILS are required documents for those who choose to personally visit one of the nearest offices. One visit is enough to obtain all the necessary information.
The client has the right to receive detailed statements. But the more information specialists collect, the more time it takes to resolve the issue.
Through Sberbank Online
Detailed instructions in this case will include the following steps:
- First, they write a statement that they need to obtain information regarding the amount of savings. When visiting the department, be sure to have your passport and SNILS with you.
- Next, visit your Personal Account on the Sberbank service. Pre-registration is required if required.
- Send a request to receive a statement of the status of the individual savings account.
- Click on the “receive statement” button.
- Confirm the operation. You will have to wait some time until the system processes the request.
- When the operation is completed, the information viewing button will become active. All known information about the client’s savings for the reporting period will open.
Elena Smirnova
Pension lawyer, ready to answer your questions.
Ask me a question
Free receipt of statements is available to all clients, but the action is performed maximum once a year. It is with this frequency that the organization itself collects information on savings accounts. If in a few months you need to re-register, the service will cost one hundred rubles. But after this, the client will have access to unlimited views of information.
Through your Personal Account
New users who are using this service for the first time will need to provide an email and password. The process itself takes a few minutes, no more. If your account or profile is already registered, you just need to log in.
To resolve the issue, select the “Other” tab on the toolbar. It goes to the section with Pension Savings. A new window will appear where the user will need to select the button to receive an extract. Please leave your personal information in your application for a certificate. Through your Personal Account you can easily track how requests are being processed.
Via ATM and sales offices
Visiting the nearest service office is the easiest option available to everyone. Passport and SNILS are required documents at this stage. A one-time visit allows you to immediately find out about all the savings associated with a citizen’s personal account. You will have to fill out an additional application if you need full details.
Reference! It takes about 3-4 weeks to produce an extract with all the required data. In the application, the visitor indicates the method in which this information is delivered to him.
In the case of ATMs, the actions will be the same as when working through an online service.
Through State Services
To check the funded part of the pension in this case you will need:
- Registration on the portal. Requires the indication of passport data, information from TIN and SNILS.
- A message with an activation code for the user is sent to a cell phone or email. This will complete the user identification.
- Filling out the form, gaining full access to your Personal Account.
- Activation of the section with Electronic services. In the menu that opens, all you have to do is select the section dedicated to the Pension Fund.
- The client is then provided with information about the status of the personal account.
How to find out by SNILS?
Information on funds in a citizen’s current account is classified as confidential information. But the account owner himself has the right to receive everything he needs. There are several options to resolve this issue:
- Personal application to the Pension Fund office.
- Online, without leaving your home.
Attention! For the last decision, they usually use the official website of the Pension Fund itself or State Services.
Find out by contract number
In this case, the rules apply the same as for the option described above. But it is difficult to find the information of interest using one contract number, except perhaps in the system of the Pension Fund itself, where the money is transferred for management.
The main ways to check savings at NPFs
Those citizens who have decided to form a funded pension must monitor the state of their savings, since they themselves share responsibility for their future financial security on an equal basis with the corresponding private funds.
There are several ways to check your personal NPF account, available to every citizen.
- Personal appeal . The client can contact directly the branch of the non-state pension fund to obtain the information he needs. However, this is not always possible. The fact is that many NPFs simply do not have branches and representative offices in most regions. In this case, the client can call the hotline or contact representatives of the organization by email.
- Through your personal account . Almost all private pension funds have their own websites on the Internet. At the same time, clients are given the opportunity to create a personal account. The personal account contains all the necessary personal information under the agreement concluded between the NPF and the insured person, including regarding the volume of accumulated pension rights. As a rule, only clients of a particular fund can create a personal account.
- Through the portal “Gos is a state portal that provides the possibility of electronic and remote interaction of citizens with government agencies and organizations. So, if you have a confirmed account, you can use this system to order a notification about the status of your personal account, which, among other things, contains information about the funded part of the pension. It does not matter in which pension fund the funds are placed.
How can I find out about the deceased’s savings?
Only after submitting a corresponding application to the fund can you receive money that belonged to a previously deceased person. You need to apply depending on where the funds were previously stored.
According to the law, such payments are received by the official successors who opened proceedings on this issue. As part of the standard probate process, the transfer of savings can also occur.
Payments are made at least 6 months after the person dies. But most often in practice the process ends before 7 months. After all, the Foundation needs some time to study the information provided. If the decision on the application is positive, the citizen receives a notification of the results.
To obtain information regarding savings in this case, there are also several options:
- When contacting a number of banking organizations.
- Through the State Services portal or in the services of partner organizations.
- During a personal visit to one of the offices.
- Remote receipt based on the SNILS number of the deceased.
Right to urgent payments
Urgent payments are made automatically and are calculated using the formula:
SV is a monthly increase in pension;
NP is the amount of funds in the account;
M is the number of months of expected payment.
For example: If at the time of retirement there is an amount in the savings account equal to 1,000,000 rubles, and the payment period is selected as 120 months, then the amount that is added to the monthly pension payment will be equal to: 8,333 rubles 33 kopecks.
Not a bad increase in pension, but you can only accumulate an amount of one million rubles by receiving a very large “white” salary and collaborating with a non-state Pension Fund with a high profitability. Because if, for example, your salary is 10,000 rubles per month, and savings contributions are made to the Pension Fund, then for this purpose you need to spend 140 years of continuous work.
Moreover, from 2021 it is planned to completely abolish the possibility of independently accumulating a pension in the Pension Fund. and instead introduce a scoring formula for calculation. It is similar to a deposit in a bank every year, depending on the profitability of the fund with which you cooperate, your account will increase. And by the time you retire, you will already have a substantial account.
In addition to one-time and urgent payments, the funded part can be inherited and transferred to heirs in the manner prescribed by law
The main points that are worth paying attention to are that the funds that were transferred to the funded part of the pension from maternity capital funds are inherited only by those persons who have the right to inherit maternity capital
Participants in the state co-financing program. who voluntarily make contributions to the funded part of the pension. Another very good program for increasing the level of well-being of pensioners in the future is a co-financing program
The goal of the program is to attract the attention of as many people as possible to independently ensure savings for future pension payments.
Initially, the program was valid only until the end of 2014, but was extended by government decision into 2021.
The essence of the program is that if a citizen deposits funds in the amount of 2 to 12 thousand rubles into his savings pension account during the year, then the state doubles this amount. For example, if you transferred 10,000 rubles to your savings account during the year, then you will have 20,000 rubles in your account. Using this scheme, you can top up your account for 10 years. If you contribute less than 2 thousand rubles a year, then no co-financing occurs, and if more than 12 thousand, then only these 12 thousand rubles are doubled, and no more.
Maternity capital can be used to form the funded part. The amount can be transferred in full or a small part. You can conclude an agreement with both the Pension Fund and the Non-State Pension Fund. In any case, if in the future it is decided to spend these funds for other purposes, then the money can be returned from the pension fund to the balance of maternity capital.
Unfortunately, not all holders of maternity capital can use this method of replenishing pension savings. Guardians of the child cannot spend maternity capital on the savings portion.
Transfer of pension savings
The following steps are followed when transferring money to a new non-state pension fund:
- The choice of the organization itself. It is best to obtain as much information as possible regarding current programs and their conditions.
- Fill out the transfer form. There are urgent and early types of procedures. They differ in the moments of transferring money from one organization to another.
- Contact the existing fund with an application to transfer savings to another market participant.
- Wait until the application is reviewed.
Attention! The procedure remains the same regardless of whether the citizen transfers from Sberbank NPF or vice versa.
How to find out the size of the funded part of your pension via the Internet
Thanks to the World Wide Web, you can find out everything without leaving your home. To do this, just turn on your computer and go online to the website of the NPF with which you entered into an agreement.
If you remain faithful to the Pension Fund of Russia, then you need to log into the website gosuslugi.ru and perform a few simple steps:
- If you are not registered on the Gosuslugi.ru website. then it is necessary to do this.
- Create a personal account.
- Fill out the form on the portal.
- In your personal account, click on “electronic services” then select “pension fund”. On the next page, click on “Informing insured persons about the status of their individual personal accounts,” then click on the “receive service” button. Information about your current savings will appear on the monitor.
Payment of money by the Sberbank pension fund
Citizens receive savings after they reach retirement age. You can do this early to receive a lump sum payment. Or we can accept the option of making monthly or quarterly transfers. The pensioner himself chooses the payment procedure that turns out to be the most convenient for him:
- On a social card.
- Through a current account, the service bank does not play a role.
- In cash, when contacting one of the Sberbank offices.
To resolve the issue, fill out a special application. The banking institution itself provides a template or form.
Official website of Sberbank of Russia
In order to obtain this data through Sberbank you should:
- Visit your local Sberbank branch, where you will be asked to sign a universal UDBO banking service agreement;
- At a Sberbank branch you must fill out an application for registration in the electronic data exchange system with the Russian Pension Fund;
- Once you sign all the necessary papers. The “Pension Fund” section will appear in the personal account section in the Sberbank system.
That's all the steps that needed to be done in order to obtain data on the state of your own pension account.
And if, if necessary, you want to use this information, then you should use a computer or any other device connected to the Internet to log into your Sberbank personal account online and submit the appropriate request.
On the development of individual pension plans
A non-state pension becomes an excellent source of additional income if you approach the process correctly. Sberbank NPF has several plans in this direction, available to citizens:
- Complex. To combine non-state and funded pensions.
- "Guaranteed". The client himself chooses the amount of money paid. The contract specifies the exact amounts for transfers and a schedule with dates.
- "Universal". The choice of parameters is free. The size of a citizen’s pension depends on final savings.
As citizens note, one of the main advantages of such a program is the opportunity to apply for a social tax deduction. Which contributes to additional savings. Such investments are protected from claims from third parties, since they do not relate to jointly acquired property.
How to find out the amount of accumulated funds
It is impossible to fully control pension savings without accurate information about the current balance. There are several ways to find out your account status:
Contact a bank branch.
To do this, you will need to provide the bank employee with some documents. After submitting the application, the papers will be sent by official letter to the client's postal address.
Through the Sberbank online service.
If you have a personal account, you can get information without leaving your home. Once your application is submitted, it will be available online indefinitely.
In different life situations, you may need an account statement in both electronic and printed form, so you need to know the intricacies and procedure for submitting a request in both cases.
What to do if errors appear when calculating savings?
Modern banks have automated many processes related to customer service. But even the most innovative programs are not immune to errors. And banking developments sometimes fail. It often happens that other people's money, or simply excess amounts, end up in savings accounts.
Attention! Such transfers will be debited from client accounts in the future.
Sberbank employees should report any such errors. They fill out a special application and come to one of the offices with SNILS and a passport. The same procedure is relevant for those who are faced with insufficient funds. The money transfer should be completed a maximum of 5-10 days after the request.
How to find out the amount of the funded part of your pension - practical advice
Federal Law No. 424-FZ “On funded pensions” was adopted on December 28, 2013. The basic principle of this law is that a person has the right to manage a certain part of his pension contributions throughout his entire career. Citizens born in 1967 and younger had the right to choose where exactly 6% of their wages would be stored, exactly this part was transferred to the savings account.
The law was also intended to improve the financial life of future retirees, since part of the cash contributions could be redirected to non-state financial funds. If the NPF did not meet the citizen’s requirements in terms of profitability or other criteria, then once a year it was possible to switch from one NPF to another.
Those who did not manage to manage their part independently by the end of 2015 are deprived of this opportunity, and the funds that were generated by the future pensioner in the savings account in the Pension Fund will now be transferred into points, with the help of which the final amount of the monthly pension payment will be formed.
NPF Sberbank
You can start working with a pension account in the system if you are a registered user of the service. If you have already registered in the system, then follow these steps:
Go to Sberbank online. Important
To do this, enter your personal login and password;
On the main page you should find a section called “Pension Fund”. It's below all your bills
Click on this section with the mouse; After this, the Pension Fund window will appear on your monitor. Attention
You should now find the “get an extract” item in it. You can also use another way. In this case, you find the "operations" section, which is in the upper right corner.
Load the page, in the menu that appears, find the item “get an extract”. Click on it; After which the “application for an extract from the Pension Fund” window will appear on your monitor.
What to do if an error is detected in the amount
In modern banks, the customer service system is automated, but even this does not help to avoid mistakes. There may be excess amounts or not enough money in the savings account. These are not necessarily intentional actions of the bank, but rather a technical failure.
Bank employees must be informed about errors in funded pensions. To do this, contact the bank branch with documentary evidence of the correctness of the client’s calculations of the amount of the funded pension. Extracts from the Pension Fund and receipts are suitable.
When independently calculating the amount of savings, you should take into account that the profitability of investment activity is variable, so it changes in different periods.
To report an error, fill out an application by visiting the institution with an identity card and SNILS. This should be done by anyone who encounters deviations in the amount of funds in their account. The missing amount must be transferred within 5-10 days after the application.
NPF Sberbank allows you to increase your pension through successful investment
NPF Sberbank is a large non-state fund that successfully provides compulsory pension insurance services. Clients can always monitor their savings. In Sberbank NPF, it’s easy to find out how to find out the amount of pension savings. This opportunity is provided in your personal account, on the State Services portal, at bank branches, and ATMs. When visiting a bank branch in person, you must have your identification card and SNILS with you.
