General questions

This is a specially opened account with a broker that allows an investor to trade securities, currency, and other assets

What a brokerage account is for

By law, an ordinary person cannot directly participate in exchange trading. For this, an intermediary is required — a broker licensed by the Central Bank. The investor submits an instruction through the app, by phone, or in another way, and the broker buys or sells assets on their behalf

To open an account, go to the Investments section on the app's home screen

A brokerage account is available to citizens of Russia over 18 years of age who are tax residents of the Russian Federation

You can top up the account in two ways:

- using bank details

- directly from an Uralsib debit card or a current bank account

To top up a brokerage account, tap Top Up in the What to Buy or Portfolio section

1. Go to the Investments → Profile section
2. Click Withdraw money
3. Select the account → enter the amount
   
4. Click Transfer
5. Confirm the transaction with a code or biometrics
   

Funds are usually credited to the bank account within 24 hours. The credited amount may be lower due to withholding of profit tax.

An Individual Investment Account (IIA) is a special brokerage account that allows you to trade on the exchange and also receive part of the money back in the form of a tax deduction

Who can open an Individual Investment Account (IIA)

Any citizen of Russia over the age of 18 who is a tax resident of the Russian Federation can open an Individual Investment Account (IIA)

You can open an Individual Investment Account (IIA) directly in the Uralsib Online app in the Investments section on the home screen.

1. Go to Investments → Portfolio
   
2. At the top of the screen, select Individual Investment Account (IIA) → Open an Individual Investment Account (IIA)
   

How to top up an Individual Investment Account (IIA)

You can top up an Individual Investment Account (IIA) only in RUB — using the account details or directly from an Uralsib debit card or a current bank account

Tap Top up in the What to buy section or Top up account in the Portfolio section

Withdrawal of funds will result in the automatic closure of the Individual Investment Account (IIA). If you close the account early, you will have to return the tax deduction received and pay penalties. The exception is transferring funds from an IIA-3 for expensive medical treatment. In this case, the account will remain open and the right to the tax deduction will be preserved

To withdraw money from an Individual Investment Account (IIA):

1. Go to the Investments section → Profile

2. Click Withdraw money

3. Select Individual Investment Account (IIA) → specify the amount

4. Click Transfer

5. Confirm the transaction with a code or biometrics

Contribution deduction

If you contribute RUB 400,000 to your Individual Investment Account (IIA) each year, you can receive a refund of up to RUB 52,000 at a Personal Income Tax (PIT) rate of 13% and up to RUB 60,000 at a rate of 15%. If you do not pay Personal Income Tax (PIT) (for example, as a self-employed person or an individual entrepreneur), you will not be able to receive the contribution deduction; only the income deduction will be available

Income deduction

You can fully exempt your income from exchange transactions from tax if the amount of income does not exceed RUB 30 million. For example, if you earned RUB 40 million through an Individual Investment Account (IIA), then after closing the account on time, you will need to pay tax only on RUB 10 million

Individual Investment Account (IIA)-3 is a new type of individual investment account that replaced old-type accounts on January 1, 2024

Features of Individual Investment Account (IIA)-3

• Has no limits on the top-up amount
• Allows you to receive two tax deductions: one for annual contributions, the other for income upon closing the Individual Investment Account (IIA)
  
• Withdrawal of funds while retaining the tax deduction is still available only when closing the account. However, an exception has appeared — money can be withdrawn for expensive medical treatment* without losing the deduction
  
• Coupons and dividends are now credited only to the Individual Investment Account (IIA)
  
• By law, up to three new-type Individual Investment Accounts (IIA) can be opened
  
• The minimum account holding period will gradually increase to 10 years: in 2024⁠-2026, the holding period is 5 years; from 2027, it will increase by one year annually. From 2031, an Individual Investment Account (IIA) can be opened for a minimum of 10 years
  

From January 1, 2024, only Individual Investment Account (IIA)-3 can be opened. If you have an active old-type Individual Investment Account (IIA), you will not be able to open a new one. You must close the old account or convert it to the new one 

*Expensive medical treatment includes: treatment of cancer, stroke, acute myocardial infarction, tuberculosis, severe forms of hearing and eye diseases, aortic diseases, benign brain tumor, as well as heart valve transplantation

You can buy or sell securities and currency in the product card. To do this, select the account, order type, number of lots or amount, and then click the Buy or Sell button

At what price the securities will be purchased

You can choose the order type and conditions under which the transaction will be executed:

• market order — the transaction will be executed at the price valid at the time of purchase or sale
• limit order — the transaction will be executed if the price reaches the specified limit
  
• stop-market — if the price rises to the specified level, place a market buy order
  
• stop-limit — if the price rises to the specified level, place a limit buy order
  
• take-profit — if the price falls to the specified level and the offset and spread conditions are met, place a limit buy order
  

The exact transaction amount, including the commission, will be calculated after it is executed on the exchange, and detailed information can be found in the Transactions and Orders section

The broker calculates and withholds Personal Income Tax (PIT) on profits from transactions and then remits it to the state budget.

You need to pay taxes yourself in several cases:

• if you did not have sufficient funds in your account to pay the tax in January of the year following the reporting year
• if you received coupon payments from a foreign company
  
• if you received income from exchange rate differences

How transactions are taxed

After the end of the tax period, the broker withholds Personal Income Tax (PIT) from the client's available funds. The broker may also withhold tax from funds blocked on the FORTS derivatives market as collateral. Usually, Uralsib Broker specialists warn about this and suggest funding the account in advance for the amount of tax

How dividends or coupon payments are taxed

Coupon payments and dividends are credited to the account net of tax

Detailed information about all transactions and fund movements can be found in the Investments → Portfolio → Transactions and Orders section

A tool that helps track securities payouts and make the right decision about buying or selling at the right time

Go to the Investments section and tap the Profile icon → Tariff plan

Where to view all tariffs

You can view the full list of tariffs on the Uralsib Broker website https://tvoybrok.ru/prices

The securities will be purchased at the current market price. A volatility adjustment factor is built into the mechanism for purchasing securities and currency; it will not allow securities to be purchased at a higher price if the price changes sharply during the transaction. The exact transaction amount, including the commission, will be calculated once it is executed on the exchange, and detailed information will be available in the "Transactions and orders" section.

The bank details for topping up accounts can be found in the “Investor Profile” section.  

Coupons and dividends are credited to the account net of tax. 

You can view information about your tariff in the “Investments” → “Investor profile” → “Tariff plan” section 

Detailed information on all transactions can be found in the "Investments" → "Portfolio" → "Transactions and orders" section 

You can ознакомиться with the full list of tariffs on the Uralsib Broker website https://tvoybrok.ru/prices

• become a customer of the bank and join the Uralsib Bonus program if you have not done so previously
• open a brokerage account in the bank's mobile app from 01.12.2024 to 31.12.2024
•  purchase securities for a total amount of at least RUB 1,000 in each of the three periods:
  

           - from 01.12.2024 to 31.12.2024

          - from 01.01.2025 to 31.01.2025

          - from 01.02.2025 to 28.02.2025

Promotion rules

No, only those clients who did not have an active brokerage account in Uralsib Online before December 1, 2024 can participate in the promotion

The minimum investment amount is ₽1,000; you can purchase different lots and carry out several transactions

To understand the basics of investing, review useful information in the mobile app in the Investments → Useful section

To download the mobile app, use the guide

The overall promotion period is from December 1, 2024 to March 28, 2025 inclusive.

It was possible to join the promotion from December 1, 2024 to December 31, 2024.

Bonus rubles will be credited from March 1, 2025 to March 28, 2025.

You can invest in any stocks, bonds, or funds. Selections of securities in the Uralsib Online app can help you make your choice