NPF Sberbank application form. Personal account of NPF Sberbank

Clients who have entered into a compulsory pension insurance agreement (MPI) before retiring or reaching the age for social contributions from the Pension Fund can take advantage of the right to receive payments from the commercial fund of the country’s largest bank. For 2017 Women who have reached the age of 55 and men who have reached the age of 60 can take advantage of the right to retire..

Conditions and grounds for paying 6% contributions

To receive the funded part, it is important that a citizen who decides to increase his pension contributions with the help of the Sberbank fund works officially and his employer pays the amounts to the Pension Fund of the Russian Federation. Otherwise, a funded pension will not be formed, since the fund will not have contributions for their subsequent indexing.

Payments will also not be able to be received by those clients who were previously members of a non-state bank fund, but decided to choose another company or return back to the Pension Fund of the Russian Federation.

There are no other grounds for refusing to receive funds from the Sberbank Foundation. The payment can also be used by those clients who became pensioners early.

Package of documents for receipt

Bank clients can receive savings if they have the following documents::

• Passport.
• SNILS.
• Agreement on compulsory pension insurance (OPI).

  If the client has lost the agreement, the bank does not have the right to refuse to accept an application for receiving funds.

• Accounts for depositing funds.
• A document confirming the right to receive a pension. For example, a pension certificate.

As a method of receipt, the client can choose any option convenient for himself: transferring the amount of contributions to a card or bank account.

If the recipient of the funds has died, his relatives can receive his contributions. The funded part of the pension is inherited and transferred by law. In this case, the relatives of the deceased are required to provide a death certificate, the right to inheritance by law and documents confirming that the client has a mandatory insurance agreement.

Either the client’s account (with subsequent receipt of the amount by inheritance) or the account of his closest relative can be selected as the account for crediting.

Stages

To process a payment from Sberbank NPF, the client must:

1. Come to the Pension Fund branch to receive a document on pension payments or the right to receive a pension. Sometimes fund employees offer to issue a certificate indicating that from a certain date the citizen has reached the age required for accruals from the Pension Fund.

   Attention! Some citizens retire early, for example, for long service. Such categories have the right to count on earlier payments.

2. Apply with a package of documents to the nearest Sberbank branch.

   It is not necessary to come to the branch where the service was issued. Administrators of all branches can accept an application from an individual to receive a payment. The registration process takes about 30 minutes.

3. Write an application to receive funds.

After writing the application, the client can only wait for a response from the bank. It is recommended to control payments in the Personal Account of the contract participant.

If a citizen, together with a compulsory pension agreement, has signed up for other services that allow co-financing a future pension (for example, an individual pension plan), he can exercise the right to simultaneously receive all payments. Or vice versa, write an application for only one of the payments. Postponement of retirement automatically increases its future size. All savings invested by the Sberbank private fund are inherited.

How to submit an application?

The application is signed by the client himself. Form - in accordance with the requirements of the bank. Application forms are presented in the Personal Account of the participant in the compulsory pension insurance agreement.

1. The header of the application indicates the territorial branch of the bank to which the branch chosen by the client belongs.
2. The main part consists of the client's request “Please provide me with a one-time payment of the funded part of the pension in connection with reaching retirement age”.
3. Since the transfer of funds is carried out to one of the client’s accounts, the account number and details of the bank in which it is opened are specified in the agreement.
4. Next, the date of acceptance of the document and the client’s full name and signature are indicated.

Copies of the client's documents are attached to the application. The administrator certifies copies and checks the application for errors, checking the relevance of the information.

When are funds credited?

The processing time for an application usually takes no more than 1 month, but in some cases it may be increased (for example, if the deadline for consideration of the application falls on public holidays, the number of days for enrollment is automatically increased).

Usually the client receives an SMS notification from the bank about the decision made. The notification indicates on what date the response came, and also that the funds were transferred to one of the accounts.

What problems might arise?

Sometimes the payment period for a pension invested by a bank can be much longer (up to three months), or the client receives a negative response regarding the transfer of funds.

The main problem when receiving finance is a change in the client’s name or an error in identification(updating) information about the party to the OPS agreement. To avoid this, you should:

• When changing your full name, contact any bank branch with current data to change the information in the NPF.
• Independently change the data in the client’s Personal Account (on the website of a non-state fund).
• Check the status of the transfer in your Personal Account or bank office.

There are clients who transferred the savings part before 2016 and did not confirm the transfer to a non-state fund in the Pension Fund, still remained in the status of “silent” - those who did not exercise the right to leave 6% in the NPF savings. For such citizens, their pension will be formed only from insurance payments, and they will not be able to receive additional invested income from the Sberbank Non-State Pension Fund.

In exceptional cases the fund may refuse to transfer clients 6% to personal pension savings. Refusal may be due to incorrectly provided information or an error in the application form; extremely rarely, it may be a lack of assistance from the previous non-state fund.

Example: a client wants to, although he has been a member of another private pension fund for several years. If at least 1 year has passed since the transfer, and no positive response has been received from Sberbank NPF (by mail or SMS notification), it is recommended to check the status in the client’s Personal Account or contact a bank branch.

Important! Any private fund is not interested in losing clients, so it is not recommended to provide SNILS to other financial organizations if the client no longer wants to cooperate with this company.

It will be useful for all our visitors who want to transfer the funded part of their pension to Sberbank to find out information about what is provided in this bank, as well as about all transfers of funds to this NPF.

Any client who has taken care of its transfer to the country’s largest private pension fund can receive it in advance. Writing an application takes no more than 30 minutes. The enrollment process usually takes 2-3 weeks. The client himself chooses which method of receipt he likes. A free Personal Account makes monitoring the fulfillment of the fund’s obligations simple and convenient.

If you find an error, please highlight a piece of text and click Ctrl+Enter.

Today there are 2 types of pension contributions: insurance and savings. The first type is financial assistance guaranteed to pensioners by the state. As for the second type, it is formed through deductions from wages, which means it is the property of citizens. If certain grounds exist, pension savings are returned to the owner. We will tell you further about what documents will be needed to receive funds and where to submit them.

Key conditions for receiving pension savings

Operation is clearly regulated by legislative acts. On their basis, the funded pension must be paid to the applicant, provided that he has the grounds provided for by law. In particular, we are talking about:

• Reaching retirement age;
• Early retirement;
• Receiving financial assistance from the state.

It should be understood that the presence of any of the listed grounds must be documented. Among other things, you must be extremely careful in preparing and filling out all papers. Otherwise, resolving the issue may take a long time, since the recipient will be forced to collect and submit documents again.

Where to submit documents to receive pension savings?

To receive a funded pension, the applicant needs to contact one of the Sberbank branches, pay a visit to the main office of this organization, or send an application remotely. The last option involves sending documents through the post office. In this case, it is recommended to immediately take care of receiving a delivery notification.
Notarization of all copies will significantly speed up the procedure. This approach can guarantee the authenticity of documents and avoid unnecessary hassle in the future. As for the application form, it can be downloaded from the official website of NPF Sberbank.

List of documents required to receive a funded pension

As mentioned earlier, the efficiency of receiving pension savings largely depends on the correct preparation of documents. The list of documents that must be attached to the application includes:

• Passport of a citizen of the Russian Federation;
• SNILS;
• Pension certificate;
• Details of the bank in which the applicant has an account and the account number;
• A certificate from the pension fund confirming that the citizen has the insurance experience required to submit the application.

All of the listed documents can be personally taken to Sberbank, sent by mail or attached to an email. When visiting in person, you must have copies and originals of documents with you. If documents are sent remotely, then there is no need to attach the originals; it is enough to make copies and have them certified by a notary.
In cases where the applicant is the legal successor of the owner of the savings, the set of papers must be supplemented with a death certificate. As for the method of receiving funds, the funded pension can be transferred to a current account, delivered to your home or issued by mail.

Options for withdrawing savings

The legislation provides for several options for withdrawing a funded pension. Each of them has its own characteristics and requires compliance with a number of conditions. So, funds can be obtained in three ways:

1. One-time. The main condition is the amount of savings. It should not exceed 5% of the monthly pension;
2. Urgent. Paid in equal installments over 10 years or more. Formed from personal contributions, maternity capital, investment income, deductions from wages;
3. Standard. The key condition, as in the first case, is the amount of savings. In this case, it must exceed 5% of the pension paid monthly. In fact, the amounts are added to the basic pension and paid throughout life.

Currently, the age limits set for retirement are 60 years for men and 55 years for women.

In Russia, every citizen has the right to a pension. After the pension reform, everyone can transfer the funded part of their pension to non-state pension funds. Sberbank created its fund more than 20 years ago.

The official website and access to your personal account are located at: https://npfsberbanka.ru

In this article we will talk about registering a personal account of Sberbank NPF, whether it is profitable to transfer your funds there, and what opportunities open up for the fund’s clients.

Briefly about the Foundation

All employers in Russia transfer 22% to the pension fund. 16% of which is called the insurance part and is unchanged. And 6% can be transferred at the employee’s discretion to non-state funds. Subsequently, the NPF must invest these funds in various projects so that the amount in the account constantly increases. Sberbank NPF had a yield of 9.5% in 2017.

Positive aspects of the fund:

• Money is invested in large and proven projects;
• Guarantees of protection of your savings;
• Participant in the system of legal guarantees for insured citizens;
• The highest rating among other NPFs.

To start using personal account of NPF Sberbank you need to conclude an agreement at the branch and obtain access data.

Already 4,000,000 people have entrusted their funds to the fund and most of them visited the site and appreciated the ease of use.

Registration in NPF Sberbank

After you have completed the agreement at a bank branch, you should be given access parameters to the site. First of all, you need to go to the website https://npfsberbanka.ru and register. Go to the website and look for the “Personal Account” button in the upper right corner. Afterwards you should see a form for filling out your personal data:

• You must enter personal information:
  • Email address – the address must contain the @ sign;
  • Full name – last name, first name, patronymic of the client. Write it down as indicated in your passport. Your full name will not be displayed in your personal account in order to avoid disclosure of personal data;
  • Password for access. Create a strong password for your account. The password must be longer than six characters;
  • Security question to restore access. This is the question you will be asked when you restore access. Usually they come up with a security question in the form of the mother’s maiden name or the name of a pet.

    • Attention! If you don’t understand something when filling out the forms, then click on the question icons, there is help next to each item

  • After filling out the data on the first screen, the system should redirect you to the second screen, where you will continue to fill out your personal data:
    • Enter your mobile phone - enter in format 7 xxx xxxx xxx, without + signs;
    • Passport number – in the format (xxxx) 111222444. Only the passport number without registration, and without indicating the department that issued the passport;
    • SNILS number (green certificate) – enter the number correctly, the system will identify you using it and immediately link your pension account;
    • After this, you must check the box indicating consent to the processing of personal data. Set an SMS alert immediately. You will receive an SMS message every time funds are received in your account.

Then we move on to the next step registration of a personal account of NPF Sberbank. If everything went well, the system will show the final registration screen. At the same time, a letter will be sent to you at the specified email address. Go into it and find a letter from the service. You will need to follow the link to activate your account. By clicking on the link you will be taken to your personal account, where you can log in using the previously entered login and password.

Features of Sberbank NPF personal account

The online service provides the client with the opportunity to carry out all operations remotely, without visiting a bank branch and standing in queues. Through the NPF personal account, the user can:

• Receive SMS notification about the accrual of the funded part of the pension;
• Find out about your savings amount;
• Pay contributions to the management company to increase the size of your pension;
• Make a template for auto-replenishment of accounts;
• View accrual history;
• View the status of applications and contracts;
• Change your login password;
• Activate the mobile version of the program

Also in your personal account you can find information documents on working with a pension for a pensioner. You can always read any new terms and conditions and make your own decisions. If you have any questions, call Sberbank's 24-hour technical support line 8 800 555 00 41

Every year the service is supplemented and improved for the convenience of users. You can find out about additional options from the online help or go to the office and ask the operators.

What's on the home page

At the top you can see the hotline number for customer assistance - 8 800 555 00 41 . Also on the page you can see:

Menu consisting of sections:

• Agreement;
• FAQ;
• Statements from the client;

After logging in, the user will see all the contracts that were concluded with him. Be sure to check the availability of these contracts and the accuracy of the information entered (passport details).

If the data is incorrect or the system does not show the latest concluded contracts, then call 88005550041 and solve your issue.

Contracts must be changed when the client’s passport data or last name changes. Be sure to submit a request to adjust the contract after changing this data.

At the bottom of the page you can see messages from the fund, in which you can see fund news and useful information for accumulating funds in your account.

Login to your Personal Account

You can log into your account through the website http://www.npfsberbanka.ru/ and click on the “Personal Account” menu item or go to the direct address https://lk.npfsb.ru/login

Sberbank's service can be used by both individuals and policyholders - legal entities. To register, you will be asked to enter personal data, data from your passport, SNILS number and email address.

To log in, please enter your email and correct password.

If you have forgotten your system access parameters, use the recovery option. Click on the “Forgot your password” link, enter the verification question and follow the system instructions. The service will send a letter to the specified email address. Inside the letter there will be a link by clicking on which you can specify a new password and log into your personal account of Sberbank NPF. You can also change the password from the “Settings” section in your account.

Profile – account settings.

In order to check your entered data, go to “Profile”. Your full name should be indicated there, you can add a photo to your profile, and date of birth.

In the system you can change:

• User photo;
• Change the password to another one. Simply enter your new password and confirm in the other field. The new password will take effect after saving the account;
• Change information about your current place of residence. You can change:
  • Index;
  • Area of ​​residence;
  • City;
  • street;
  • Apartment number;
• Change notification methods. Check the box next to the information you want to receive.

The system provides the ability to delete a profile from the system.

List of agreements and statements

In order to obtain information about concluded agreements, you need to go to the “Agreements” section. All contracts in the system are divided into:

• Mandatory;
• Individual;
• Corporate;

If any agreement has not been concluded or updated with the NP, the system will display this in the tab. In order to conclude a new contract, click on + and enter your data. The system will go into data filling mode for the selected user. After filling out the form, you can print and sign the agreement.

In order to receive payments from the Mandatory Pension Insurance Fund, you need to go to the “Application” section. Click on the "Submit Online" link

The service will take you to the application form tab. You can log in to the service using your State Services account.

In this section, you can fill out and print out an application to create a personal account for Sberbank NPF, and then take it to the nearest branch. After which your access data will be created. Call the hotline if you have any questions. Competent specialists will answer any of your questions around the clock.

Questions and answers section

Any questions? Then go to the “Questions and Answers” ​​section. It contains all the questions divided into categories. Select the one you need and get all the information.

Currently there are the following categories:

• IPP – questions regarding the contract, service and payments;
• OPS – all general questions, questions on maintenance, pension payments, inheritance;
• Services – questions about your personal account and Internet service;

Why do you need Autopay?

After activation and gaining access to your personal account, you can sign an additional agreement with the bank and set up automatic payment for pension contributions. This agreement can only be signed by appearing in person at a bank branch.

Automatic payment is necessary in order to replenish your account on time and not miss mandatory payments. Each client must independently configure the parameters for replenishing their account.

Autopayment is activated only after the first “manual” deposit of funds.

When making an auto payment from a current account, it is necessary that there are funds in the account. Otherwise, the payment will not be made. The bank does not charge a percentage for the service. All transfers within the bank are made without commissions. Check with the service specialists if you want to top up your account with a transfer from Tinkoff Bank or Alfa Bank.

How to become a client of Sberbank NPF?

There is no need to visit the pension fund. The bank employee will transfer your pension to the fund himself

After this, you will be given a login and password to access your personal account. The procedure is quite long, but you will be 100% sure of the result.

What are the individual plans?

In the personal account of Sberbank NPF, you can submit an application for individual service. To do this, select a pension calculator. It is located in the menu item, next to personal information.

Set different parameters and see what pension you will have if you additionally deposit funds into your account.

Having assessed the profit on your pension contribution, you can create an individual investment plan. There are different pension plan options available on this page that you can avail of.

To learn about each service, click “more details”. And from this page you can order this service. At the bottom of the page you can find popular questions and their answers.

Call the contact center and ask for personal advice from a manager if you have any questions.

Contact Information

On the main page at the top you can find NPF contacts. Click on it and select the branch that is closest to you. It is not necessary to enter the exact address, just select a city and then select a branch on the map.

After that, you will be shown the address of the department, the route you can take, opening hours and telephone numbers where you can get advice.

How to check savings

The entire amount of savings is displayed in the personal account of Sberbank NPF. This data is displayed on the main page of the service.

You can get detailed information on transfers; to do this, select the amount and click on it. After this, you will see a page with information about income and accrued interest for the last quarter.

You can request a full statement for the entire period of existence of the funded part of the pension. To do this, you need to fill out an application online and then go to a bank branch. You can download the form through your personal account.

The bank employee will ask you for your identification document. Also take the contract with you or write down the contract number and registration date. This data will help when receiving an extract.

Frequently asked questions about NPF Sberbank

What is an Individual Investment Pension Plan and how to apply for it?

This is a personal pension investment program that is created by the client himself. He constantly replenishes his retirement account, so that after 25-30 years, his additional income will become significant. The service can be activated through your personal account.

What is the minimum contribution amount for an Individual Pension Deposit?

The size of payments must be from 500 rubles. The maximum deposit amount is not limited in any way.

Who signs the agreement?

Citizens over 18 years of age and who have Russian citizenship can take advantage of pension savings.

Where can I draw up an agreement?

To draw up an additional pension service agreement, you can go to a bank branch, or sign it through your NPF personal account. To sign the agreement you will need a passport, bank card number and SNILS.

How and where to receive the funded part of the pension?

Once the client reaches retirement age, he or she can apply for early payment of the funded portion of the pension.

The client must write an application at a bank branch or send it via Russian Post independently. In this case, the documents must be notarized.

All forms are located inside your personal account.

I hope we were able to cover the work in the personal account of Sberbank NPF so that you do not waste your time reading unnecessary information.

A secure old age is a healthy human desire. An official job in a prestigious company plus a monthly deduction to a personal account of a reliable bank is the key to a happy future. NPF Sberbank was chosen by about 5 million residents of Russia. Registration in the site’s online personal account allows you to track the amount of savings and independently calculate your monthly pension after finishing your career.

Advantages of NPF Sberbank

In the mid-1990s, Sberbank became the first financial institution to open a non-state pension fund. NPF is a non-profit company engaged in voluntary contributions of Russians.

The bank client, by personal consent, confirms the monthly deduction of funds to a personal account, which he can use upon retirement. The banking system is perfect for Internet use.

On the NPF website, Sberbank online in your personal account will allow you to view the status of transactions and the amount of accumulated funds after registration has been completed.

Sberbank of Russia has become a guarantor of stability for many Russians. Investing in the future of the population has become the company's main goal. Since the first year of its foundation, Sberbank NPF has united more than 4.5 million depositors. Client growth statistics only confirm the fund’s advantages:

• reliability of accounts - the terms of the contractual agreement are clearly regulated and insured for the safety of users,
• availability of Internet service and prompt step-by-step authorization on the bank’s website: NPF Sberbank online - personal account - registration,
• confidentiality of personal information - login and password to enter your account, the amount in the account is strictly confidential to third parties,
• ease of use of the Sberbank NPF service interface - the client can edit data and change access to the Sberbank NPF personal account online,
• confidence in the safety of the fund’s funds - the site system guarantees the preservation of the entire amount in the account, even in the event of possible breakdowns on the Internet page.

If you are not currently a client of Sberbank NPF, you can register and create an account in the fund’s personal account. This will give you the opportunity to familiarize yourself with the information that will be presented to you in the public domain after the official conclusion of the contract and registration in the system.

How to register in your personal account

Non-state pension deposits are made in two ways: by being present in person at a bank branch and on the website using your Personal Account. The second method is identical to the first in its safety and effectiveness of the operation.

The start of crediting funds to the account should be online registration on the Sberbank NPF page. The procedure does not require highly specialized knowledge from banking and takes 3 minutes.

Registration instructions

To quickly search, you need to enter NPF Sberbank personal account in the browser line, register online and go to the official address of the fund http://www.npfsberbanka.ru/. Next, follow the algorithm:

• In the upper right corner of the screen, click on the Personal Account button;
• the site will prompt you to log in to your existing account or register online, select the latter option;
• at the next stage, fill in the empty fields with contact information - email address (in the future will be used as a login to enter the NPF personal account), password (in Latin letters and numbers of at least six characters), re-password, full name (as written in the passport), date of birth (in this order - 01/01/1980), telephone number, passport details, SNILS (11-digit code from pension insurance);
• confirm the entered information by entering the captcha - the code from the picture (if the numbers are illegible, refresh the page);
• check “I agree” next to the item “I agree to the processing of personal data”;
• check the box “I agree to receive SMS from the bank” (optional);
• check the filled lines for correctness;
• click Next.

When registering, select “Security question”, which will serve as an access code if you lose your personal data to log into the site.

Login to the NPF website

The login and password for entering the personal account of Sberbank NPF online are purely personal data. It is not recommended to disclose them to third parties and Sberbank employees. Bank employees also do not have the right to request such information from the client.

The final step that allows you to finally register and enter your personal account of NPF Sberbank is to enter your last name. It is written in Russian letters. Afterwards, click Next.

Registration of your Personal Account is completed by clicking on the link sent to the client’s email. In the mailbox, a letter with a link will be sent on behalf of [email protected]. If there is no post office, wait 3 minutes. By clicking on the contents of the letter, the user finally confirms his account. From now on, he has access to the Sberbank NPF program online and his personal account.

Conclusion

NPF Sberbank online through your Personal Account is a convenient way to make investments in the future. The company's program and its Internet service are designed to the smallest detail so that the investor can quickly register in his Personal Account and track the status of his savings.

It is a partner bank of the state pension fund.

Based on this, citizens who signed up for a funded pension could transfer the funded portion into it to further increase it.

It will be useful for those who have signed a transfer agreement to find out when and under what conditions the accumulated funds can be issued to them. Below we will cover this issue in detail so that the reader does not make a mistake when performing this procedure.

Possibility of withdrawing the funded part of your pension at Sberbank

The activities of Sberbank NPF are regulated by Federal Law No. 75 “On NPF”.

In accordance with it, the fund undertakes to pay funds from the funded portion to citizens who have grounds for receiving it.

Despite the moratorium on the funded part introduced by the Government in 2014, citizens who have grounds for receiving it can receive money one-time or monthly.

If your savings portion was transferred to Sberbank, you can receive it at once or in monthly installments.

Read about how to transfer the funded part of your pension to Sberbank.

Let's consider cases when a person can receive a savings portion in Sberbank NPF:

• if he retired, and it doesn’t matter whether he retired early or in the generally established manner;
• if he receives state benefits, disability benefits, survivors' benefits or has rights to other state material support.

The size of the pension in Sberbank at the time of payment is calculated taking into account investment income for the entire duration of the agreement with this fund. Can:

1. in your personal account on the official website of the NPF bank;
2. at the nearest bank branch;
3. at the main office of the NPF.

To apply for the information you need, you only need two documents - a passport and SNILS.

You can get advice on receiving payments through the free NPF hotline.

Conditions and grounds

You can receive the accumulated portion in Sberbank in several ways: lump sum, monthly in equal parts throughout life and monthly for 10 years. Let us consider in more detail the conditions and grounds on which these types of payments can be received.

One-time payment

This type of payment involves the withdrawal of all accumulated funds from your personal account. Anyone wishing to receive the full amount must reach retirement age.

Also, money can be paid to those who became pensioners early.

Who can count on receiving funds at once:

• disabled people;
• disabled citizens whose breadwinner has died;
• citizens who have not accumulated the minimum work experience.

Persons whose savings account for at least 5% of their retirement pension can also count on receiving money instantly.

Relatives of the owner of the personal account who died before the appointment of the insurance payment are also entitled to receive all funds in one payment. This type of pension is inherited by law and by will.

If the account owner, during his lifetime, submitted an application to Sberbank for the appointment of heirs to his funds, then after 6 months the persons specified in the application will be able to receive the deceased’s money.

If, after withdrawing money from the account, you continued to cooperate with Sberbank NPF, accumulating funds in it, you can re-apply for a lump sum payment after 5 years.

If such a will has not been written, then the funds are paid in a lump sum to the heirs of the first priority - the wife (husband), children or parents. To receive a one-time payment, the legal successor must submit to NPF Sberbank an application, passport, SNILS, death certificate and work book of the deceased.

You need to contact the bank no later than six months from the date of death of the owner of the pension. Legal successors will be able to receive money 6 months after the death of the testator.

Urgent

This type of payment can be accrued to persons receiving an old-age insurance pension.

It is assigned if there are the following types of savings in the account:

1. profit from investments;
2. employer contributions (6%);
3. money contributed under the co-financing program;
4. maternity capital money;
5. other deposits transferred by the citizen from the personal budget.

Term payments are made in equal monthly installments and last for at least 10 years.

Lifetime

Payment of the funded part for life is carried out to citizens who have retired or receive the insurance part ahead of schedule. It is assigned if its size is more than 5% in relation to the amount of the insurance pension.

Until 2016, this payment could be accrued throughout a person’s life, but not more than 19 years. Currently, the duration of payments is determined every year based on data on the average life span of pension recipients.

Required documents to receive

Payment of funds is made on the basis of the following documents:

• passport;
• insurance certificate;
• pensioner's certificate;
• bank account number to which the money will be credited;
• document from the Pension Fund of the Russian Federation confirming the availability of work experience;
• death certificate (if the recipient is the heir of the account owner).

Registration of the procedure

You can make a payment in two ways:

1. go to a bank branch and provide an application, originals and copies of documents;
2. send copies of documents by registered mail or send them to the fund’s email address (in this case, the papers must be certified by a notary).

If you meet the conditions for receiving the payment, you can contact Sberbank with documents and an application. The application template can be downloaded from the bank’s website in your personal account or filled out at a branch of the institution.

The processing time for the application is 7-10 days.

If we are talking about a one-time accrual of funds, the period can reach one month.

As soon as the application is approved, the Sberbank fund will pay the funds.

Accruals (both one-time and monthly) can be received at the request of the insured person in the following ways:

1. Via mail.
2. Through the organization of delivery. The service is paid, but the money will be delivered immediately to the recipient’s address.
3. To a bank account. This method involves withdrawing money from a bank cash desk or from a card.

Everyone has the right to decide for themselves whether to contribute pension funds to the state Pension Fund or use the services of non-governmental organizations. You can find out detailed recommendations about the funded part of a pension in, as well as which ones, on our website.

Despite the introduced moratorium on funded pensions, Funds from the savings portion can be obtained from the NPF at any time subject to the conditions of appointment and the presence of grounds for this.