Sberbank account statement. How to get an extract from a personal account in Sberbank? Bank statement: sample

A bank statement on a current account contains up-to-date information on the state of the account and the movement of funds for a certain period of time.

This document reflects information about all ongoing transactions - expenses and receipts of money. With its help, specialists can analyze the financial activities of the account holder (individual entrepreneur or organization).

Why do individuals and organizations need bank statements?

As mentioned above, this document contains information about all transactions made during a specific period of time. An extract can be issued on a card, settlement, deposit, credit and other account. Its production is available to both legal entities and individuals (individual entrepreneurs, notaries, private clients).

There is no need to print electronic statements for their subsequent storage with other reporting documents. Organizations and individual entrepreneurs have the right to conduct electronic document management, as this does not contradict the norms of Russian legislation.

Remote execution of the statement is more convenient, because in this case, the accountant or the business owner himself will not have to contact the territorial branch of the bank. An extract in electronic form is promptly provided to the applicant in an SMS message, by e-mail or is displayed in the client's personal account after authorization in the mobile / Internet bank.

How long is the report kept?

Legal entities and individuals engaged in entrepreneurial activities are required to keep information about all financial transactions for a certain period of time.

Printed and electronic statements must be available to the businessman for at least five years.

During this period, these documents can be provided to the employees of the Federal Tax Service upon request. Failure to do so may result in a fine being imposed.

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Or a Sberbank credit card is a document reflecting all receipts and debits for a specified period. The account owner can control its status, track all transactions carried out on it, find out the balance of funds for specific dates.

A transaction report may be needed to identify fraudulent transactions, to provide information to government services, for example, when applying for a visa. You can get it both when visiting the bank, and remotely, using remote informing services.

In this article:

What is an extract?

An extract is a reporting document on the movement of funds on a specific client account for a certain period. It can be formed in two versions:

mini format. It provides information about the latest 10 financial transactions on the account. It contains information about the date, time of the event, its exact name and balance at the end of the period.
extended version. This is a report generated for the period selected by the account holder, or from the date of its opening to the date of ordering the statement. In addition to the basic information (transaction name, amount, balance), it contains the addresses and names of outlets, self-service devices where purchases were paid or cash was withdrawn.
Graphic extract. It can be ordered in the Sberbank Online system and visually present the dynamics of account movement, expenses and receipts.

Do you regularly track the movement of money on the statement?

RegularlyNo

What data is required to receive?

Depending on how the document is generated, different data or documents may be required. This can be a login and password for Internet banking, a pin code for a bank card, a password for a mobile application, a passport.

Where can you get it?

Sberbank account statement available at the customer service office, providing a passport. Other more convenient and efficient ways are:

Sberbank Online.
SMS Notification Service Mobile Banking.
Phone application.
Self-service device (ATM or terminal).

The generated report can either be printed immediately or saved to a device or flash drive, as well as sent by e-mail.

How to order an extract?

The procedure for ordering, generating and obtaining information about account transactions depends on the chosen method.

To receive a statement in the application, enter it by entering the card number, login and password from Sberbank Online, and entering a unique confirmation code from SMS. In the opened menu of the Personal Account, select the deposit or card, information on the movement of funds for which you want to receive. Click on a line "Extracts and references", then to .

Within a minute the report will be generated. You can save it if necessary.

To Sberbank Online

To order an account statement in Internet banking, you need to log in to the system by entering your login and password. They can be obtained in the terminal or independently generated on the main page of the service. To do this, you will need a bank card and a phone connected to the Mobile Bank.

Click on a line "Other". From the list that opens, select the item "Extracts and references". Next, click on the button "Statement on a deposit or account".

After that, an extended document will appear on the screen, which will indicate the account number, date and contract number, last name, first name, patronymic of the account holder, the period for which the report was generated, and a list of all operations carried out during it.

It can be printed on a printer or ordered to be sent to an email address.

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In the office of Sberbank

Not the most convenient and fastest, but the classic way is to get an extract from a bank branch. A prerequisite is the presentation of a passport and card to the employee serving the client.

Only at the office you can get an extract from an unallocated metal account, about the amount of alimony paid out of a pension, a certificate of accounts and obligations, information about the presence of arrests on accounts.

In the terminal

Insert the card and enter the pin code. Click on the "Balance, history and mini-statement" window. Next, select the line "History of operations and mini-statement". The system will warn that the service is paid, and the card will be charged 15 rubles. After confirmation of agreement with the payment, the terminal will issue a receipt with information about the last 10 transactions on the account.

Via Mobile Banking

If the cardholder uses the service, then he can receive information about the movement of funds on the account by sending a request from a mobile phone. For this you need to send an SMS to number 900 with the text "HISTORYXXXX", where XXXX is the last 4 digits of the bank card number.

Within a few minutes, the phone will receive a message about the last 10 financial transactions, as well as the current balance. The service is paid - the cost of sending one message will be 3 rubles.

Possible difficulties

Sometimes there may be some difficulties in obtaining an extract. The most common are the following:

No login or password in Sberbank Online

You can get the initial login and passwords for confirmation at any Sberbank self-service device. If you have a username but don't remember the password, you can change it. To do this, you will need the phone number to which the Mobile Bank is connected.

In this article we will talk about what a bank statement on a current account is. Next, you will learn how to fill out an extract (you can download a filling sample from us), get acquainted with typical examples of forms.

What is a bank statement on a current account

- the most important financial document that illustrates and confirms the performance of operations on the account, the receipt and expenditure of the bank's client's funds.

An extract is a copy of the bank's account records issued to the client. This primary accounting document serves as the basis for tax and accounting.

Any account holder has the right to receive a bank statement. A sample document can be downloaded here:

sample statement of account
Form of account statement

Legislative regulation

Article 9 of the Federal Law on Accounting No. 129 obliges the organization to confirm all ongoing transactions. This law does not directly refer to bank statements, but they unconditionally fit under its implementation.

Financial institutions also have their obligations. So Federal Law No. 395-1 "On the activities of banks" says that:

Why do individuals need bank statements

Not only a legal entity, but also an individual can have their own bank account. For example: debit bank cards. Operations on them are also reflected in the statement.

Debit card holders usually get by with a mini-statement, which can be obtained through an ATM. It reflects only the dates and amounts of the last income or expenses. But sometimes individuals also require an extended bank statement.

to obtain a visa;
to get a loan;
to confirm the transaction;
for other confirmations of solvency and lack of debt.

To obtain such an extract, you need to contact the bank branch. You should have a passport and an agreement to open an account with you.

How to get a bank account statement

The bank itself determines when and in what form to provide statements to the client.

You can get an extract:

on hand at a bank branch;
by mail;
by email;
in online mode.

The frequency of issuing statements can be specified in the agreement with the bank, or you can get it on demand:

at the bank office;
in the online account;
by phone;
via SMS;
through an ATM.

Depending on the bank and the tariff, some methods of requesting a statement may be subject to a fee.

To get a bank statement, you need to make a request containing:

FULL NAME. and the address of registration for individual entrepreneurs and individuals, the name of the organization - for legal entities;

the period for which the statement is required;

the reason for the request;

date and signature.

If the original statement has been lost, the account holder has the right to request a copy from the bank (a fee may be charged for this).

Documentation of transactions on a current account in a bank statement

Externally, bank statements do not have a single design, they are also formed in different ways, this is due to the fact that in each bank the statement is compiled using different programs and algorithms. But each statement must contain certain information about financial movements:

number of the account for which the statement was generated;

the balance of funds on the previous statement and its date;

account numbers of counterparties who transferred or received funds;

details of the documents on the basis of which the operation was carried out (payment order, invoice);

assignment of outgoing and incoming payments;

total debit and credit amounts (credited and debited funds);

final balance on the account on the date of the statement.

To understand how to draw up an extract for an organization, the bank takes the side of its debtor. So in the column "Debit" write-offs on the account are reflected in the column "Credit"- enrollments.

A seal or signature on the statement is optional, but if the document needs to be sent to the tax office, it must be certified.

Statement of open current accounts

An extract on the status of settlement accounts and obtaining a certificate of their total number may be required by an organization in the following cases:

in negotiations with investors;

to develop a business plan;

to participate in the tender;

to apply for a loan for an enterprise;

at the request of the court or prosecutor's office;

during the liquidation or reorganization of a legal entity.

Sometimes more detailed information about settlement transactions is required, and then, at the request of the client, the bank generates an extended account statement, which also includes:

places of operations (terminals, addresses of organizations);
names of contractors;
bank fees.

You can find out how to get an extended statement online, or how to order it from a bank branch, in the bank itself. In Internet banking, such information is usually available free of charge, but the bank will most likely charge a small commission for preparing a paper version.

Sample bank statement

The statement form has the form of a table, which reflects all the movements of funds on the account and detailed information on each transaction: date, amount, purpose of payment, details of the counterparty, and so on.

A completed statement can tell a lot about the financial condition of the company. The extract is the primary document, on its basis the simplified tax system is calculated, it is checked by the tax in case of disputes.

In the Internet bank, the statement can be downloaded online and, if necessary, printed out, and in the bank branch you can immediately receive it on paper and certify it with the signature of the operator (if the document is required to be submitted to the tax office).

From large banks, such as, statements from a current account can be obtained both through Internet banking and through a bank office, and if a plastic card is attached to the account, you can get an extract from it through an ATM.

Sections of an extract from a current account can be as follows:

posting date;

financial transaction type code;

number of the document received from another bank;

number of the client's payment document;

BIC and correspondent account number of the bank;

settlement accounts of the recipient and sender of funds;

debit and credit account.

Consider a few examples of statements from different banks.

allow you to control the movement of funds and correct errors in a timely manner;
automate accounting;
make it easier to pass inspections;
contribute to convenient archiving and systematized storage of documents.

Shelf life of account statements

The bank keeps information about account transactions for five years. The client has the right to request an extract for any period not exceeding this period.

As for the storage of statements in the accounting department, here the period recommended by law is 5 years, but when deciding to destroy the archive, it is necessary to be guided by the peculiarities of the company's work. Some legal entities (especially in the wholesale trade) prefer to keep statements for 10 years or longer.

Internet banking simplifies the process of storing documents, we will talk about this later.

Electronic statements

The question remains open to this day Do I need to print statements if the bank provides them electronically?

No law explicitly prohibits organizations from keeping only electronic versions of statements.

The Accounting Law allows the preparation of primary documents on a computer.

The Tax Code does not require that all information confirming entrepreneurial activity be stored exclusively on paper.

There are many trends in favor of electronic statements:

the growing popularity of remote banks that provide documents exclusively in electronic form;
large enterprises with several settlement accounts and daily non-cash transactions will be forced to spend huge piles of paper on printing statements and documents attached to them, not every company will be able to store such voluminous archives.

The organization of the whole business is gradually moving in favor of full computerization. But even so, it should be borne in mind that documents stored on the Internet may disappear (for example, during the reorganization of the client-bank or due to problems on the server), so it is recommended that they be saved at least periodically to other electronic media.

At the time of purchase of any banking product, an account is opened that allows you to make various incoming and outgoing transactions. Accordingly, there should be some tool that allows you to control the movement of funds on the account. Such a tool is an account statement, it is also a bank statement. Consider what it is, what types of statements are there, and how can you get it?

What is a bank statement?

An account statement is a reference financial document that allows you to track all transactions (expenses and receipts) for a day or for a certain period. Obtaining such a certificate can confirm or refute the fact of crediting / debiting funds, as well as justify the calculation of income tax.

Consider what it contains and how it generally works.

There is no specific form in which a bank statement must be provided in any law or regulation. However, there is a list of information that the document must contain unconditionally:

The name of the financial institution and its main details - BIC and correspondent account;
Name of the client and his current account;
Date of preparation;
Date of the previous statement;
Account balances at the beginning and end of the day;
All operations of receipt and expenditure of funds.

In addition, each operation reflected in the document contains:

the date of the event;
No. of the document on the basis of which the transaction was carried out;
counterparty account and correspondent bank details;
amount.

The statement is generated daily on the settlement accounts of companies and entrepreneurs. But you need to pick it up yourself, at a convenient time. Some banks practice other methods of receiving, which we will discuss below.

An individual account statement will have to be requested, no one will automatically generate it. At the same time, the account owner himself determines for what period the document will be generated. The time of receipt in this case is determined by the conditions of the bank and can range from several minutes to 3 business days. The same period is provided for account statements of legal entities and individual entrepreneurs, if the period for which they are compiled exceeds the standard cash day.

You can see a sample statement below.

Statement types

The statement has several varieties, depending on the status of the account holder and the type of banking product used:

Account statement. It is compiled daily in relation to transactions taking place on the account of the company or individual entrepreneur. If necessary, you can request a document for a certain time interval - a month, a quarter, etc. The client's current account is passive for the bank, so a debit means debiting funds, and a credit means their receipt (more about).

Deposit account statement. Compiled and transmitted to the client upon request. The document contains:

the amount in the account;
the amount of accrued interest;
income and expenditure operations.

A standard example of such an extract is a printout in . But you can also generate a document for an account linked to any debit card. This is necessary when applying for a loan.

Loan account statement. It reflects the amount of funds contributed, the amount of write-off (broken down by principal and interest), as well as the balance of the loan debt. For credit cards, an invoice is drawn up containing, in addition to the above information, the amount of the mandatory payment.

Electronic statement. This is an analogue of a regular statement on paper, which is printed out independently and certified by a bank representative office (if necessary). An electronic statement is available to customers using online banking services: for legal entities - a remote banking system (Internet banking), for citizens - an Internet bank or mobile bank.

How to get

Specific ways to get a statement depend on the services provided by a particular bank.

Summarizing the conditions of numerous financial institutions, several options can be distinguished:

Personal appeal to the bank branch;
SMS notification (relevant for credit cards);
Receipt of a document online (electronic statement);
Sending by mail or to the client's e-mail (by prior arrangement with the bank).

To find out for sure the method available to you, contact your servicing bank or check this information on its official web page.

To consolidate the material, check out a short video on the topic we have discussed:

When using a bank account, it is important to control the flow of money. Information about the cash flow is displayed in the account statement. Such a document is of a legal nature and may be needed for various organizations if necessary. An extract from a personal account with Sberbank is provided in various ways. What it is for and how to form it, we will tell in this article.

It is informational in nature about the receipt and debiting of funds for a certain period. For example, when applying for a loan based on such a document, banking organizations can form an opinion about the solvency of a potential borrower. In different banks, the standard form looks different. In Sberbank, the account statement displays the following information:

Current or current account number. It differs from the Sberbank card number. It is through the account that banks conduct operations, money is stored on it. The card number is used only in case of transfer of funds or payment for services. The transactions themselves are recorded on the card account. More information about is given at the link.
Balance at the beginning of the billing period. The balance is the balance after all receipts and write-offs of funds, the checksum from which an extract is generated for the selected period.
Information about credits and write-offs. Displays data on the receipt of funds to the account with the date and on the transfer of money from the current account to third parties or on write-offs in favor of repaying the debt. The statement is generated for a certain period.
Balance at the end of the period. This is the amount of money that is available at the moment after confirming all card transactions.

Ways to get an invoice

The classic way is a personal appeal to the branch of the company. You can approach any customer service specialist and request an invoice statement. In addition, the sample can be provided in a foreign language. The received document is relevant when applying for a visa.
Through an ATM. Thus, you can create a mini-statement that will be provided on the check. In this case, the statement on the status of an individual personal account contains data for the last 3 months. And this service is paid. How much does it cost? 15 rubles for one operation.
You can request a Sberbank account via mobile communications. To do this, you need to generate and send SMS. The information will be sent as a response message.
Sberbank Online users can receive information without leaving home through their personal account. At the same time, it is possible to generate a report on paper or in electronic form.

bank branch

ATM

Another way to get a statement is to go to an ATM. By the number of ATMs throughout the country, Sberbank is not inferior to any banking organization. In addition, technical devices are also presented abroad. To generate a document, you will need to insert a card, and then enter an individual PIN.

On the screen, you will need to select the menu item "Request balance", get a "mini-report". Delivery method - on the check. This will display cash flow information with corresponding dates for the last 3 months. It also shows the current balance.

Mobile bank

You can get an extract using your mobile phone. It is important to send a request through the number that is linked to the card. Information will not be provided to third parties due to banking secrecy. To do this, you need to send an SMS message to number 900. In the text you need to indicate the word "history", and also write the last four digits of your card number. The response message will provide cash flow details with dates and the current balance of the available amount.

"Sberbank Online"

"Sberbank Online" as a way to receive an extract remotely from your mobile phone or computer. An account statement in Sberbank Online is generated instantly. Moreover, this service can be used constantly, since it is free. The personal account carries not only useful information on the account, through it you can transfer money to other cards or pay for services.

First you need to register, and for those who already use the system, log in to your account. Then find the desired card and select "Show transactions". In this case, you will be able to see your last 10 transactions on this card. If you need more complete information, you can order a report for any period free of charge to your e-mail and subscribe to the newsletter so that the data arrives automatically.

There is also a function that allows you to print a document on paper. It is worth noting that in this case there will be no bank seal, and the certificate will be for informational purposes only. An official document can be obtained from the branch. The statement can be prepared for both debit and credit cards.