Umtyalomali weSberbank: ukubhaliswa, ukuseta, inkqubo yokurhweba, iintlawulo

I-Sberbank Investor – inkcazo yeqonga, ukubhaliswa kunye nezicwangciso zesicelo, inkqubo yokurhweba, imilinganiselo yenkonzo ye-brokerage. I-Sberbank Investor ithathwa njengesicelo esithandwayo apho abasebenzisi banokuzenzela iiphothifoliyo zabo kwii-stocks / bonds kunye nezinye izixhobo. Esi sicelo siya kuba lolona khetho lubalaseleyo hayi kwabaqalayo kuphela, kodwa nabatyali-mali abanamava. Ngezantsi ungaqhelana neempawu zokukhuphela, ukufaka kunye nokuqwalasela inkqubo, kunye nokufunda indlela yokurhweba ngokuchanekileyo kunye nokutyala imali ngenzuzo kwi-Sberbank Investor.

Umtyalomali weSberbank: ulwazi olubanzi malunga neempawu zesicelo

I-Sberbank Investor ithathwa njengesicelo esihlaziyiweyo seselula kubathengi beziko lebhanki. Ukusebenzisa le nkqubo, unokubandakanyeka ekufumaneni izabelo / iibhondi zeenkampani eziphambili zelizwe njengeGazprom. Ukusayina amaxwebhu ongezelelweyo kunye nokutyelela iofisi akuyomfuneko. I-Sberbank Investor yinkqubo yomxhasi wenkqubo ye-QUIK esebenza kwi-iOS / Android izixhobo zeselula kwaye ibonelela abatyali-mali / abahwebi ngokufikelela kwidatha yokuhlalutya kunye neemarike. Abatyalomali banokusebenzisa ukufikelela kwidemo, okuya kubanika ithuba lokuxabisa inzuzo kunye nokungonakali kwesicelo. Ezona mpawu ziphambili zoMtyalomali weSberbank ziquka:

• ukuthumela ii-odolo ezingarhwebi kwiqokobhe;
• unxibelelwano olusebenzayo kunye nenkonzo yenkxaso yobugcisa yesebe lotyalo-mali lebhanki;
• ukukwazi ukulawula izibambiso ngokwesicwangciso sakho;
• ulawulo lwesebe lotyalo-mali;
• ukukwazi ukulawula inzuzo kwi-intanethi.

https://articles.opexflow.com/software-trading/quik-sberbank.htm Abasebenzisi abafake isicelo soMtyalomali weSberbank banokuthenga izibambiso/ukudala ii-odolo/ukuthatha inxaxheba kwiintengiso. Ukufikelela kwiindaba zamva nje kunye neetshathi zotshintsho kwixabiso lezabelo / iibhondi zivuliwe.

Phawula! Kuvunyelwe ukuthenga izabelo kunye neebhondi ezithengiswa kwi-stock market yaseMoscow Exchange. Abasebenzisi banokujonga iitshathi kunye neekowuti zokhuseleko lomntu ngamnye.

Ulwazi malunga nemisebenzi yotyalo-mali lwabathengi aluchazwanga kumaqela esithathu. Idatha ikhuselwe yiprogram ekhethekileyo yokufihla. Abaphuhlisi baphinde baqinisekisa ukuba abasebenzisi abanakuthenga ngempazamo izibambiso ngokulungiselela oku ukuqinisekiswa kwentengiselwano kusetyenziswa iiphasiwedi zexesha elinye ezifunyenwe ngendlela yeSMS kwiinombolo zomnxeba zabathengi.

Izinto eziluncedo kunye nezingeloncedo zokusebenzisa isicelo

Isicelo soMtyalomali weSberbank, njengayo nayiphi na enye isoftware, ayinayo inzuzo kuphela, kodwa kunye nokungonakali. Amandla enkqubo aquka:

• ukuthembeka;
• uphuhliso olusebenzayo lwenkonzo;
• ujongano olubonakalayo;
• inkonzo yenkxaso yobugcisa ebalaseleyo;
• ukuba nokwenzeka kokwenziwa kwepotfoliyo ngokuzenzekelayo;
• ukhuseleko oluthembekileyo lwedatha yomntu yabathengi;
• ukubanakho ukulawula izibambiso ngokwesicwangciso sabo.

Ukukhathazeka okuncinci kukungabikho kokufikelela kwiimarike zangaphandle, kunye nediphozithi ende / ukurhoxiswa kwemali.

Uyikhuphela njani i-app yotyalomali yeSberbank kwilaptop okanye kwi-smartphone kunye nendlela yokuvula iakhawunti

Abatyalomali abafake isicelo bahlala benomdla kwindlela yokuvula iakhawunti kunye nomtyalo-mali weSberbank. Iingcali ziye zaqulunqa imiyalelo eneenkcukacha ukuze abasebenzisi bakwazi ukumelana nalo msebenzi ngokukhawuleza. Inyathelo ngenyathelo inkqubo::

1. Okokuqala, abasebenzisi baya kwicandelo “loTyalo-mali kunye noMhlalaphantsi” kwaye ucofe uphawu oluluhlaza kunye nokudibanisa.
2. Utyalo-mali oluzimeleyo, vula udidi lwe-“Broker akhawunti” kwaye ucofe “Ukuvula i- IIS kunye ne-akhawunti ye-broker”. Xa isicelo sifakwe, ungaqala ukuthenga iibhondi. Umyalezo uya kuthunyelwa kwifowuni equlethe inombolo ye-akhawunti/igama lokugqitha. Olu lwazi lungasetyenziselwa ukungena.
3. Ukutyala imali kunye neengcali, abasebenzisi baya kwicandelo elithi “Cumulative IIS” kwaye ucofe ku “Design”.

Phawula! Xa ukhetha uhlobo lwe-akhawunti, kufuneka kukhunjulwe ukuba abantu abafuni ukuhlukana nemali yabo iminyaka engama-3 kufuneka bakhethe i-akhawunti ye-brokerage.

Indlela yokukhuphela kunye nokufaka isicelo

Ukuze ukhuphele isicelo, umtyalo-mali uya kufuna ukuya kwi-App Store / Google Play. Emva kokuba inkqubo ifakiwe, kufuneka uhambe kwinkqubo yogunyaziso. Kumgca wokungena, faka ikhowudi yesivumelwano se-brokerage, kwaye kwikholamu yephasiwedi, faka inhlanganisela eyimfihlo ekhutshwe ngumthengisi.
Ukuba akukho akhawunti ye-brokerage kunye ne-Sberbank, iingcali zicebisa ukuba ugcwalise isicelo sokuvula i-akhawunti. Ungabona iinkcukacha zokuvula kwayo ngasentla. Kunokwenzeka ukuba ufake isicelo kwisicelo kunye nakwi-akhawunti yakho ye-Sberbank (inguqulo yewebhu). Ukufumana igama eliyimfihlo lokungena kwisistim, kufuneka ucofe iqhosha elithi “Fumana igama lokugqitha”.

Uyitshintsha njani iphasiwedi yakho

Ukutshintsha indibaniselwano eyimfihlo, kufuneka uye kwimenyu, khetha i Olunye udidi kwaye ucofe kwindawo ethi Guqula igama lokugqitha. Emva kokuba igama eligqithisiweyo lifakiwe, indibaniselwano entsha eyimfihlo kufuneka ifakwe amaxesha ama-2.

touch ID

Ugunyaziso ngokungena kunye nokudibanisa okufihlakeleyo kusetwa kwisicelo ngokungagqibekanga. Ukuba uyanqwena, unokuseta isigunyaziso ngeTouch ID fingerprint. Ngale njongo, abasebenzisi baya kwelinye icandelo kwaye ukhethe ukungena kwi-ID ye-Touch, scan iminwe yabo.

Ukuqinisekiswa okongeziweyo, ukungena kwi-akhawunti yakho ye-Sberbank Investor

Ukufumana ukufikelela kwi-akhawunti, kuya kufuneka ugqithise ukuqinisekiswa ngokungena. Kule meko, akukho nokwenzeka ukuba ufake izicelo. Ukuvula ukufikelela ekuqalisweni kwezicelo / ii-odolo zokurhoxiswa kweemali, abathengi kufuneka banakekele ukudlula ukuqinisekiswa okongezelelweyo (ikhowudi yephini ithunyelwa ngeSMS). Kufuneka kukhunjulwe ukuba emva kokuphuma kwisicelo, kufuneka uphinde uqinisekise.

Phawula! Ukuba ikhowudi ye-PIN ifakwe ngokungalunganga ngaphezu kwamaxesha e-3, iseshoni kunye noMtyalomali we-Sberbank iya kupheliswa. Iwindow yokungena iya kuvela kwisikrini.

Ukuseta, ujongano

Xa abasebenzisi bekhuphela ikiti yokusabalalisa kwiwebhusayithi yeSberbank, bakhuphe iifayile kwaye baqalise isicelo, ifestile yokufakela iwizadi ivula kwisikrini. Kweli nqanaba, uhlobo lokuqinisekisa luqinisekisiwe kwaye idilesi yolawulo ibonisiwe. Indlela emfutshane iyakwenziwa kungekuphela kwidesktop, kodwa nakwiQalisa menu. Ngokucofa iqhosha lokufakela, lihlala lilinde umzuzu xa inkqubo igqityiwe.

Ukudala izitshixo

Ukuqhagamshela kumncedisi, abasebenzisi kufuneka banakekele isizukulwana esiphambili. Ifolda enesicelo iyavulwa, ifayile yenkqubo yokwenza izitshixo iyaqaliswa. Iwindow iya kuvula isikrini apho kuya kufuneka ufake iiinishiyali / igama lokugqitha. Emva koko ucofe iqhosha ukuqhubeka nobhaliso. Xa iYenza ukhetho luvuliwe, amagama angama-320 angeniswa kwikhibhodi. Le nkqubo iyimfuneko ukufihla izitshixo. Uyisebenzisa njani iSberbank Investor, ukubhaliswa, ukungena, indlela yokuthengisa izabelo kunye norhwebo: https://youtu.be/CSQ-lERKtW8

Ukubhalisa izitshixo kunye nomthengisi

Ngethuba lenkqubo yokubhalisa, abasebenzisi badlulisela iifayile ezinezitshixo zoluntu kwiingcali zenkxaso yobugcisa (thumela nge-imeyile / nge-akhawunti yobuqu). Ukuthumela inxalenye yoluntu yesitshixo ebhankini, umtyali-mali uya kufuna ukuba anakekele ukungena:

• inombolo yesivumelwano, ebandakanya abalinganiswa aba-5;
• idilesi yemeyile;
• captcha ukusuka kumfanekiso.

Xa umyalezo onokuqinisekiswa kokubhaliswa uthunyelwa kwi-imeyile, umrhwebi uya kukwazi ukuqala ukurhweba.

Ukusekwa kwendawo yokusebenza

Xa i-terminal indululwa, kufuneka uvule iqhosha lokurhoxisa kwifestile yogunyaziso. Emva kokuya kwimenyu ephambili, kuyacetyiswa ukuba ukhethe udidi lweSistim kwaye ucofe icandelo lezicwangciso. Ifestile yesethingi iya kuvula kwisikrini, apho kufuneka uvule umgca wenkqubo kwaye uye kudidi lofihlo. Kwizicwangciso, khankanya uluhlu lwezitshixo kwaye ucofe iqhosha ukugcina utshintsho olwenziwe.

Ukuqaliswa kokuqala kwesicelo

Ngombulelo kwinkqubo ye-QUIK, ukufikelela ngokupheleleyo kwintengiso kuyavula. Emva kokuqaliswa kwesicelo, umsebenzisi uya kuba nakho ukusebenzisa isethi epheleleyo yezixhobo. Ukufakela izihluzi kukuvumela ukuba usebenze kunye nenkonzo ngokufanelekileyo kangangoko. Ukukhetha ulwazi oluyimfuneko emsebenzini, yiya kuluhlu lweeSetingi.

Ukususa iithebhu ezingafunekiyo

Ukususa iithebhu ezingasetyenziswanga ngexesha leseshoni, kuya kufuneka uzifumane kwaye uzisebenzise kwindawo esezantsi yemonitha. Emva koko, izixhobo ezikhethiweyo kufuneka zicinywe nganye nganye, ungalibali ukuqinisekisa izenzo ngokuvula umyalelo we-Ewe. Kwiithebhu zokugqibela, iifestile zivaliwe ngesandla.

Fumana ulwazi lweakhawunti

Ngolwazi malunga nobume be-akhawunti ye-brokerage, abatyali-mali / abarhwebi:

• nqakraza kwisithuba kwaye ukhethe i Thiya kwakhona ukhetho;
• ngenisa igama lolawulo olutsha (iAkhawunti);
• khetha icandelo Lokudala iifestile kwibar yesixhobo;
• vula ipotfoliyo yomthengisi / imida kwizibambiso / imida kwikheshi ngokulandelelana.

Kwiithebhu eziye zasebenza, abatyali-mali banokuqhelana nolwazi malunga nezibambiso kunye neemali zamahhala kwi-akhawunti.

Phawula! Rhoqo ngenyanga, abathengi be-Sberbank Investor bafumana iingxelo zePDF malunga nokuthengiselana okwenziwe ngeli xesha.

Indlela yokurhweba kunye nokutyala imali kwiqonga

Ukuze ujonge iiodolo/izivumelwano, kufuneka ukhethe udidi Zonke ii-odolo/izivumelwano zosuku lwangoku kwimenyu.
Izivumelwano kunye neeodolo ziya kuboniswa kwiithebhu ezihambelanayo. Ukujonga olu luhlu, chukumisa nje umgca we-akhawunti. Ukucoca iiodolo ngesixhobo, yiya kwibar yokukhangela kwaye ukhangele ngegama lesixhobo. Icebo lokucoca ulwelo lizakusebenza phakathi kweethebhu ezikhethiweyo.

Phawula! Isihluzi esongezelelweyo ngexabiso kwintengiselwano ibekwe kwicandelo elihambelanayo.

Usetyenziso

Imiyalelo yabatyali-mali/abarhwebi badityaniswa ngokwesimo sokwenziwa kolu luhlu:

• izicelo (ezisebenzayo) zosuku lwangoku;
• imiyalelo eye yaphunyezwa okanye yarhoxiswa ngeli xesha langoku;
• yenziwe ngokuyinxenye okanye irhoxisiwe.

Kwisicelo ngasinye, olona khetho lubalulekileyo luya kuboniswa:

• Izalathiso eziboniswe njengebha ethe nkqo ekhohlo kwiparamitha zolandelelwano (ibha eluhlaza ithetha ukuthenga, ibha emthubi ithetha ukuthengisa);
• amagama ezixhobo;
• iindleko zezicelo;
• ubungakanani owenziwe ngamaqhekeza (kwii-odolo ezithengiswayo ziya kuboniswa ngophawu lokuthabatha);
• ixesha lokungakhuseleki;
• ubume be-odolo (kuluhlu lwee-odolo ezigqityiweyo nezicinyiweyo zosuku lwangoku).

Ukuba kuyimfuneko, usetyenziso olusebenzayo lunokurhoxiswa. Ukuza kuthi ga ngoku, abanini bezixhobo eziphathwayo ze-iOS bayacetyiswa ukuba baswayiphe umgca ngasekhohlo kwaye baqinisekise ukurhoxa ngokucofa ku-OK myalelo kwincoko yababini evulayo. Abanini be-Android kufuneka bachukumise umgca wesicelo kwaye bawubambe imizuzwana embalwa, emva koko uqinisekise ukuhoxiswa, cofa iqhosha le-OK kwincoko evula isikrini.

Izivumelwano

Kwintengiselwano nganye, isicelo sibonisa eyona ndlela ibalulekileyo ngokohlobo:

• amagama ezixhobo kunye nodidi lwazo;
• ixesha lokugqitywa kweentengiselwano;
• imisebenzi (ukufumana / ukuthengisa kwakhona);
• ipesenti yentengiselwano egqityiweyo;
• ixabiso;
• umthamo wentengiselwano kwii-ruble

Indlela yokurhoxisa imali kwi-Investor ye-Sberbank

Ukuze ujonge ibhalansi yeemali kwii-akhawunti, abathengi kufuneka baye kwicandelo lokurhoxiswa. Kwi-akhawunti nganye yomsebenzisi, uluhlu lweendawo ezihambelana nomda wezibonelelo zemali ziya kuboniswa kwifomathi yeKhowudi yeMali / iStock (OTC, FX). Emva kokuchofoza kumyalelo wokurhoxisa, iwindow yokungenisa imiyalelo yokurhoxisa imali kwi-akhawunti enye ukuya kwenye, echazwe kwi-questionnaire yomthengisi / umtyali-mali, iya kuvula kwisikrini. Ukuba kukho imfuneko yokuzalisa i-akhawunti ye-brokerage, kufuneka ucofe kwicandelo Indlela yokuzalisa i-akhawunti kwaye, emva kokuvula iwindow ehambelanayo, nqakraza Yiya kwi-Sberbank Online.

Phawula! Izicelo zokurhoxiswa kwemali efunyenweyo azifumaneki kwiiakhawunti ze-IIS.

Kwi-akhawunti ye-brokerage engenazo iimpawu ze-IIS, umsebenzi wokurhoxisa imali uhlala ukhona. Kwinkqubo yokutsala imali, iwindow iya kuvula isikrini, esiya kubonisa eyona parameters ibalulekileyo ngohlobo:

• ibhalansi yeakhawunti – ibhalansi yemali yasimahla ekhoyo ukuze itsalwe;
• igama le-akhawunti ekutsalwa kuyo imali;
• imali ekufuneka itsalwe.

Ukuba ukhetho “Kwixabiso lebhalansi yamahhala” likhutshaziwe, ngoko ke isixa semali sinokuhlelwa. Ukuba olu khetho lunikwe amandla, ngoko yonke imali yebhalansi yamahhala iya kuthunyelwa ekurhoxisweni. Ukuze wenze imisebenzi yokurhoxisa, umsebenzisi kufuneka anakekele ukufumana ukufikelela kwintengiso usebenzisa ukuqinisekiswa okongeziweyo. Ngoncedo lwekhowudi ezayo kwisaziso seSMS, umtyalo-mali / umrhwebi uya kukwazi ukuqinisekisa ukuthengiselana. Ungamfaka njani umtyali-mali weSberbank – ukubhalisa kunye nokufikelela kwiakhawunti yakho yobuqu: https://youtu.be/vRmX2wHwcOo

IiRhafu zeNkonzo yoRhwebo

Ukutyala imali ngesicelo soMtyali weSberbank, umsebenzisi uya kufuna ukuvula i-akhawunti ye-brokerage. Abaxumi banikezelwa ukuba bakhethe umrhumo ofanelekileyo (UkuZibamba/uTyalo-mali). Umahluko phakathi kwezicwangciso zentlawulo uxhomekeke kwisixa sokutsalwa kwekhomishini kunye neseti yeenkonzo ezikhoyo. Isicwangciso seRhafu “Esizimeleyo” sibonakaliswe ngeendleko ezincinci kumtyali-mali ukwenza iintengiselwano. Nangona kunjalo, kufuneka kuthathelwe ingqalelo ukuba akukho ukufikelela kwinkxaso yohlalutyo kule TP. Isixa sekhomishini kwiintengiselwano kunye nezibambiso (inzuzo ukuya kwi-ruble ye-1 yezigidi) yi-0.06%. Ngembuyekezo kuluhlu lwe-ruble ye-1-50 yezigidi. ikhomishini iya kulingana no 0.035%. Kwimeko yokuguqulwa kwe-ruble engaphezu kwezigidi ezingama-50. Utsalo lwekhomishini lulingana ne-0.018%. Ukuphunyezwa kwemisebenzi kunye nemali kwi-turnovers ukuya kwi-ruble ye-100 yezigidi. ngosuku – 0.2%. Kwisicwangciso somrhumo woTyalo-mali, abathengi abathenga/bathengisa iimali kutshintshiselwano, kufuneka ahlawule umrhumo we-0.2%. Xa usenza ukuthengiselana ngezibambiso, isixa sokutsalwa kwekhomishini siya kufikelela kwi-0.3%.

Phawula! Akukho mali incinci yotyalo-mali ebekiweyo.

Demo akhawunti Sberbank Investor – ukuvula kunye neempawu

Ukufaka inkqubo kwimo yedemo, kufuneka ucofe iqhosha lokungena kwiNdwendwe, elinokufumaneka kwifestile yogunyaziso. Ukusebenza kwi-demo version, abatyali-mali / abahwebi banokusebenzisa i-akhawunti yokurhweba ngokudlala ngenyanga, bejonga iingcaphuno zenkqubo yokurhweba yoqeqesho, iingcamango zotyalo-mali ngaphandle kokumisela iphrofayili yomngcipheko kunye nokubeka imiyalelo kwiintengiso zoqeqesho. I-Sberbank Investor sisicelo esithandwayo seselfowuni engafanelekanga kuphela kubaqalayo, kodwa nabatyalo-mali abanamava. Ukusebenza neprogram kulula kakhulu. Ukulandela iingcebiso zeengcali ezidweliswe kwinqaku, abasebenzisi baya kuba nakho ukufaka kunye nokuqwalasela isicelo ngokwabo, kunye nokufunda indlela yokurhweba kunye nokutyala imali.