Recently, the service of obtaining an electronic signature has become available to Sberbank customers. It is a unique tool that simplifies various banking operations and promotes the development of small businesses.
What is an electronic signature
For the first time, Sberbank offered customers the opportunity to obtain an individual electronic signature of documents in 2014. In total, over the next year, in Moscow alone, more than three million transactions were performed using electronic signatures. Currently, a third of deposit operations are also carried out using this service.
An electronic signature is a unique letter code that any client of Sberbank can register when contacting the organization. Many bank branches are equipped with special pos-terminals that support the input of an electronic signature, which can be used instead of the standard PIN code or together with it. This simplifies access to various services and transactions with bank cards and accounts, allowing employees of the organization to verify the identity of the applicant.
Another purpose of the electronic signature is to simplify the workflow in the bank, since it can replace the usual manual signature. So the client can confirm any of his actions and, as his confirmation, receive not a paper document, but its electronic version, which will also be stored in the electronic archives of the bank. Electronic and handwritten signatures are considered legally equivalent, therefore, regardless of the chosen method of signing the document, the latter will have the same legal force.
Thanks to the use of an electronic signature, which reduces paper turnover, Sberbank was able to increase the speed of customer service. Instead of signing numerous paper documents, the client is asked to provide his digital signature once for the transaction to take effect. Of course, this will also require a passport and, in some cases, entering a personal PIN code to a bank card.
How to get and use an electronic signature
To obtain the corresponding digital signature key, you need to register on the website of Sberklyuch LLC (https://sberkey.ru) and then visit the nearest branch of Sberbank to complete the identification procedure. Possessing a personal electronic signature, each client of Sberbank gets the opportunity to participate in trading and post their own ads on special electronic platforms of the bank. This service is provided to both individuals and legal entities, and individual entrepreneurs. In addition to the sample of electronic signature itself, the client receives a certificate indicating the user's personal data and the validity period of the issued key.
The holder of an electronic signature is given the opportunity to sign documents on an official basis as part of interaction with the bank. Also, the electronic signature of Sberbank is an integral requisite in the implementation of various commercial transactions. The authority to possess a digital signature is regulated by a certificate, therefore, in the event of its loss or expiration, the previously issued documentation will no longer have legal force.
Additional advantages of possessing an electronic signature of Sberbank include the ability to test innovative products that are provided by the organization to a limited number of people. In addition, having a digital key increases the chances of loan approval on favorable terms. The bank recommends getting an electronic signature to all entrepreneurs who often trade on the foreign exchange market and conclude investment transactions. Thanks to the private key, any of these operations are simplified and do not require the bank to constantly verify the identity of all participants in the process.
Given the legislative need for electronic reporting, the digital signature is becoming an integral tool in this case. This is a convenient tool for conducting electronic document management, since any key already contains all the basic data of the applicant, which are automatically entered into any of the documents being compiled. Among the shortcomings of the service, one can only note the lengthy primary procedure for user identification and the high cost of issuing a certificate.
