Deposit at Sberbank. Contributions. How to open a deposit

The maximum interest on Sberbank deposits, for individuals for 2017: rubles - 6.49% per annum (on the days of the promotions - up to 10.00% per annum), dollars - 1.06%, euros - 0.01%.

We are already accustomed to the fact that the interest on Sberbank deposits is the lowest among similar “products” of other Russian banks.

The policy of the bank “makes it clear” that we are the “largest” and “reliable”, and you will still come to us, no matter what rates we approve.

Of course, the policy is “controversial”, because in almost all banks of the Russian Federation that accept deposits from the population, all amounts of Citizens are insured by the State (I now mean deposits up to 1.4 million rubles).

And about the "large" I will only say one thing - competitors represented by "VTB 24" (its "daughters" "Post Bank" - together, as they say "we are strong"), are rapidly opening new offices, developing a whole range of innovative financial programs and tools, slowly taken away from the "dozing" "Sberbank", regular customers.

Well, okay, let's not understand the intricacies of banking policy, but let's focus on Sberbank's deposit programs.

2. Deposit program "Replenish" - with the option of replenishment

In contrast to the above program, in this deposit, there was a replenishment. You can replenish the deposit in the amount of 1,000 rubles, during the entire period of stay.

The maximum rate on deposits in rubles - up to 6.23% per annum.

Interest is accrued monthly, they can be transferred back to the deposit, i.e. use capitalization, or rent for “personal needs”.

Deposit term from 3 months to 3 years. The most favorable rates under the “Replenish” program “lie” in the time interval from 6 to 12 months.

The interest rate depends on the amount and term of the deposit (see table of interest).

You have the opportunity to increase the percentage of the current deposit, if you can replenish the deposit, up to the next amount gradation.

Deposit amount	3-6 months	6-12 months	1-2 years	2-3 years	3 years
from 1 000 ₽	5,20 (5,22*)	5,65 (5,72)	5,35 (5,48)	5,15 (5,41)	5,00 (5,38)
from 100 000 ₽	5,35 (5,37)	5,80 (5,87)	5,50 (5,64)	5,30 (5,58)	5,15 (5,56)
from 400 000 ₽	5,50 (5,53)	5,95 (6,02)	5,65 (5,80)	5,45 (5,74)	5,30 (5,73)
from 700 000 ₽	5,70 (5,73)	6,15 (6,23)	5,85 (6,01)	5,65 (5,97)	5,50 (5,96)
from 2 000 000 ₽	5,70 (5,73)	6,15 (6,23)	5,85 (6,01)	5,65 (5,97)	5,50 (5,96)

For deposits in dollars from 0.01 to 0.90% per annum. Very low rates on the euro - 0.01% per annum.

Minimum deposit amount: ₽ - 1,000, $ / € - 100.

For deposits of pensioners, valid maximum bet time period, regardless of the amount of the deposit.

Early termination up to 6 months - “threatens” with recalculation of the rate by 0.01% per annum. With a “deposit life” of 6 months, you will retain 2/3 of the rate assigned on the opening day.

3. “Manage” deposit program – with replenishment and partial withdrawal

The “Manage” program allows the depositor to replenish and partially withdraw the deposit during the entire period.

Here is the lowest interest rate, figuratively speaking, the difference in percentage "left" to pay for options.

The maximum you can get: in rubles up to 5.77% per annum(term 6 - 12 months, amount from 2 million rubles, capitalization), in dollars up to 0.60% per annum, euro - standard 0.01% per annum.

The minimum deposit amount (when compared with the above-described “products”) has slightly “grown up” - 30,000 rubles, 1,000 dollars / euros.

Partial withdrawal of money from the deposit is allowed only up to the level of the minimum balance. Withdrawals below this level are penalized with loss of interest (see early termination rules).

You can replenish the deposit from the amount: 1,000 rubles, 100 euros / dollars.

Accrued interest (calculation is carried out monthly), each depositor manages individually: either transfers for capitalization, or withdraws for “personal needs”.

Deposit amount	3-6 months	6-12 months	1-2 years	2-3 years	3 years
from 30 000 ₽	4,85 (4,87*)	5,20 (5,26)	4,60 (4,70)	4,35 (4,54)	4,10 (4,35)
from 100 000 ₽	5,00 (5,02)	5,35 (5,41)	4,75 (4,85)	4,50 (4,70)	4,25 (4,52)
from 400 000 ₽	5,15 (5,17)	5,50 (5,56)	4,90 (5,01)	4,65 (4,86)	4,40 (4,69)
from 700 000 ₽	5,35 (5,37)	5,70 (5,77)	5,10 (5,22)	4,85 (5,08)	4,60 (4,92)
from 2 000 000 ₽	5,35 (5,37)	5,70 (5,77)	5,10 (5,22)	4,85 (5,08)	4,60 (4,92)

* – interest capitalization rates.

Deposit term from 3 months to 3 years.

You can actively replenish your deposit and increase the bet by reaching the amount of the next gradation.

Early termination: up to 6 months of the "active" deposit - at a rate of 0.01% per annum, upon termination of 6 months - 2/3 of the interest rate valid at the time of opening is retained.

4. “Gift of Life” deposit program – charitable assistance

Contribution with the help of sick children who suffer from severe oncological, hematological and other diseases.

Charitable assistance consists in the fact that the bank, once a quarter, transfers 0.3% per annum (of the deposit amount) to the Gift of Life Charitable Foundation.

I think that among the contributors there are hardly any people who are indifferent to such assistance.

Maximum deposit rate - 6.45% per annum. Such interest is given on a deposit with capitalization.

If you do not want to use capitalization, then the base rate is 6.30% per annum.

The minimum deposit amount is 10,000 rubles. Savings are accepted only in rubles, for a period of 1 year.

The “Give Life” program does not provide for replenishment and partial withdrawal operations.

Interest is calculated every 3 months.

Early termination, as in other Sberbank programs: up to 6 months - recalculated at a rate of 0.01% per annum, after 6 months - 2/3 of the rate valid at opening is retained.

5. “Pension Plus” deposit program – special for pensioners

For pensioners who receive their pensions to the account of the Pension Fund of the Russian Federation, Sberbank has developed a special program - Pension Plus.

I don't know where you can find a rate lower than in this "product". Interest rate with capitalization – 3.67% per annum in rubles.

The deposit is opened for a period of three years. The minimum opening amount is 1 ruble.

Let this contribution come with replenishment (unlimited) and partial withdrawal (up to an irreducible balance), but such a low rate, for completely “impoverished” pensioners, is “shameful and insulting”.

And dear pensioners can only be advised that if you decide to make a deposit in Sberbank, and want to replenish it and partially withdraw it, then pay attention to the Manage program, the rate there is 5.77% per annum.

Sberbank deposits for individuals in 2019 became less attractive due to the rate update. How much favorable interest and offers the population today largest bank Russia, read on this page.

Sberbank of Russia in 2019 offers its clients several types of profitable deposits for individuals with capitalization or monthly withdrawal of interest, as well as the possibility of replenishing or spending part of the invested funds.

1. Deposits of the type " save» are designed for those who are ready to invest a large amount for several years and not use this money in order to get the maximum income. There is also the opportunity to put a large amount into an account with Sberbank and live off the interest.
2. Other Sberbank deposits for individuals, for example, " Replenish”, have the ability to replenish the account and are beneficial for those who intend to save money.
3. And deposits like " drive» are designed for those who have little free funds and some of the savings may be needed at any time. This is convenient, but the interest rate in this case is not high.

Today, deposits can be made in Sberbank only in rubles and US dollars. The Bank temporarily does not open new deposits in euro, offering to use the Savings account in euro at the rate of 0.01% per annum.

Sberbank: interest and terms of deposits of individuals

In 2019, Sberbank updated the rates for deposits in rubles and dollars. Read at what percentage you can open Sberbank deposits for individuals today. Compare the conditions to choose the most profitable deposit for you.

You should pay attention to this deposit for individuals if you need to securely save money and receive a guaranteed stable income. By putting a large amount in the bank, you can withdraw good interest every month.

(+) Plus : high interest rate.

(-) Minus : there is no possibility of replenishment of the account and partial withdrawal of money without loss of interest.

Conditions

• Term: from 1 month to 3 years;
• Currency: Rubles / Dollars;
• Replenishment: no;
• Partial withdrawal: no;
• Capitalization: provided. Accrued interest is added to the amount of the deposit, increasing income in the following periods.
• Interest accrual: monthly withdrawal or capitalization.

Interest rate

Deposit "Save Online"

The conditions of this deposit of individuals are similar to the “Save” deposit, only it is opened via the Internet. And interest rates are the same today.

Deposit "Special Save"

A deposit with increased rates for owners of the Sberbank Premier or Sberbank First service package. It is opened in the amount of 700,000 rubles or 50,000 dollars.

Deposit "Leader Save"

This deposit for individuals will be of interest to those who prefer to save and regularly save money. But there is also the possibility of monthly withdrawal of interest.

(+) Plus: it is possible to replenish the account.

(-) Minus: there is no possibility of partial withdrawal of money without loss of interest.

Conditions

• Term: from 3 months to 3 years.
• Currency: Rubles / Dollars;
• Amount: from 1,000 rubles / 100 dollars;
• Replenishment: yes.
• Partial withdrawal: no.
• Capitalization: yes.

Interest rate

Deposit "Top Up Online"

The conditions of this deposit for individuals are similar to the “Replenish” deposit, only it is opened via the Internet. And the stakes are the same.

Deposit "Special Replenish"

A replenishable deposit with increased rates for owners of the Sberbank Premier/Sberbank First service package. It is opened in the amount of 700,000 rubles or 50,000 dollars.

Deposit "Leader Replenish"

This is a premium deposit with increased rates for owners of the Sberbank First service package. It is opened in the amount of 5 million rubles, 150,000 dollars or 150,000 euros.

Deposit "Top up in the name of the child"

This is a replenishable deposit that is opened by an adult (parent or legal representative) on minor child. Any person can replenish the deposit, and in order to withdraw money before the child’s 18th birthday, permission from the guardianship authorities will be required.

From the age of 14, the child will be able to independently replenish the deposit and withdraw the accrued interest, and from the age of 18, he will receive full access to money.

Opening a deposit is possible only in a branch. This will require the passport of the one who opens the deposit, and the birth certificate of the child in whose name it is issued.

Conditions

• Currency: Rubles / Dollars;
• Amount: from 1,000 rubles / 100 dollars;
• Term: from 3 months to 3 years;
• Replenishment: provided.
• Minimum deposit: cash - from 1,000 rubles / 100 dollars, non-cash - unlimited.
• Partial withdrawal: no;
• Capitalization: provided.

Interest rates

This deposit for individuals will provide secure storage of savings with the ability to withdraw part of the funds without loss of interest before the deposit expires.

(+) Plus: it is possible to replenish the account and partially withdraw money without losing interest.

(-) Minus: low interest rate.

Conditions

• Term: from 3 months to 3 years.
• Currency: Rubles / Dollars;
• Amount: from 30,000 rubles / 1,000 dollars;
• Replenishment: provided;
• Minimum deposit: cash - from 1,000 rubles / 100 US dollars, non-cash - unlimited.
• Partial withdrawal: provided up to the level of the minimum amount of the minimum balance without loss of accrued interest.
• Capitalization: provided.

Interest rate

Deposit "Manage Online"

The conditions of this Sberbank deposit for individuals are similar to the Manage deposit, only it is opened via the Internet. And interest rates are the same today.

Contribution "Special Manage"

Expenditure deposit with increased rates for owners of the Sberbank Premier or Sberbank First service package. It is opened in the amount of 700,000 rubles or 50,000 dollars.

Deposit "Leader Manage"

This is a premium deposit with increased rates for owners of the Sberbank First service package. It is opened in the amount of 5 million rubles, 150,000 dollars or 150,000 euros.

This is a retirement income deposit. It is intended for individuals receiving pensions from the Pension Fund of the Russian Federation, non-state pension funds, as well as ministries and departments providing pensions.

Conditions

• Term: 3 years;
• Amount: from 1 ruble;
• Replenishment: provided;
• Partial withdrawal without loss of interest: provided up to the level of the minimum balance amount;
• Interest accrual: every 3 months. Accrued interest is added to the amount of the deposit, increasing income in the following periods.
• Capitalization: provided.

Interest rate

3.50% per annum without capitalization (3.67% per annum with capitalization).

This deposit for individuals is charitable. Part of the funds is directed to help children with oncological, hematological and other serious diseases. Every 3 months, Sberbank transfers an amount of 0.3% per annum of the deposit amount to the Podari Zhizn charitable foundation.

Conditions

• Term: 1 year;
• Currency: Rubles;
• Amount: from 10,000 rubles;
• Replenishment: no;
• Partial withdrawal: no;
• Capitalization: provided.

Interest rate

4.70% per annum (4.78% per annum with capitalization).

Savings account for free and confident management of money on a daily basis.

Conditions

• Term: Indefinitely;
• Currency: Rubles / Dollars / Euro / others;
• Minimum amount: Unlimited;
• Replenishment: Unlimited;
• Partial withdrawal: Unlimited;
• Interest is charged: monthly. On the minimum balance kept on the account for a month - at an interest rate that was determined based on its amount. For the difference between the minimum and actual balance - at an interest rate of 0.01% per annum.

Interest rate

• from 1.00 to 1.80 in rubles;
• 0.01 in US dollars, 0.01 in euros, Canadian, Hong Kong and Singapore dollars, Chinese yuan, and pounds sterling.

How to draw up Sberbank deposits for individuals

Opening a deposit at Sberbank is easy, the main thing is that you have money that you can deposit with the bank!

1. In the office. To make a deposit, it is enough to contact any of the bank branches with money and a passport. Sberbank employees will complete all the necessary paperwork, and you will only have to sign where required.

2. Online. If you are already a client of Sberbank and use the Internet Bank, then you can open a deposit without leaving your home. Log in to the Internet bank, select the appropriate deposit and click the "Open deposit" button.

3. At an ATM. Use the nearest ATM and follow the instructions on the monitor.

Conditions for early termination

In any unforeseen situation, if clients need money before the end of deposits, they can always be received.

Early termination of deposits "Save", "Replenish", "Manage" and "Give Life" is subject to the following conditions:

1. For deposits for up to 6 months (inclusive) - at an interest rate of 0.01% per annum;

2. For deposits for more than 6 months:

During the first 6 months of the main (extended) term - based on the interest rate of 0.01% per annum;
- after 6 months of the main (extended) period - based on 2/3 of the interest rate set by Sberbank for this species deposits on the date of opening (prolongation) of the deposit.

In case of early termination of deposits, interest is recalculated without taking into account the monthly capitalization!

In case of early withdrawal of the deposit "Pension-plus of Sberbank of Russia" the rate set on the date of opening (prolongation) of the deposit does not change.

Conclusions: what are the benefits of deposits of individuals in Sberbank

Sberbank deposits for individuals today do not have the highest interest rates compared to many other banks. But the majority of the Russian population still prefers Sberbank to store their savings. Why?

Firstly, it is convenient, since there are bank branches in, perhaps, every city in the country.

Secondly, it is reliable, since the stability of Sberbank is guaranteed by the state and it will not lose its license in the foreseeable future.

Thirdly, during seasonal promotions, it offers quite competitive interest rates, which allows you to invest money on favorable terms.

Sberbank of Russia over the 150 years of its existence has won the unshakable trust of the population. Today financial institution outperforms its competitors in many respects. One of them is a package of services for deposits. Let's figure out what exactly the bank offers to depositors, how favorable interest rates are and what is needed to make a deposit.

Current interest rates on deposits with Sberbank for 2018

Name of deposit	Max. % bid	Deposit term	Min. sum	Replenishment	Part. withdrawal
Deposit "Give Life"	5,00 %	1 year	from 10000 rub.	–	–
Deposit "Top up"	4,50 %	from 3 months up to 3 years.	from 1000 rub.	+	–
Deposit "Top Up Online"	5,00 %	from 3 months up to 3 years.	from 1000 rub.	+	–
Contribution "Save"	5,00 %	from 1 month up to 3 years.	from 1000 rub.	–	–
Deposit "Save Online"	5,50 %	from 1 month up to 3 years.	from 1000 rub.	–	–
Deposit "Manage"	4,20 %	from 3 months up to 3 years.	from 30000 rub.	+	+
Deposit "Manage Online"	4,70 %	from 3 months up to 3 years.	from 30000 rub.	+	+
savings account	2,30 %	Indefinitely	-	–	–

You can see more detailed and most accurate information on deposits on the official website of Sberbank at the link: www.sberbank.ru/ru/person/contributions/deposits

"Term deposits" of Sberbank: names and conditions

For depositors, Sberbank has developed a simplified program that includes three basic products: Save, Manage, and Replenish, which, in turn, provide additional solutions for different categories of the population and Special offers. Interest on the deposit is calculated based on the amount invested, the currency and the term chosen by the client. The "Term deposits" package is available to both large businessmen and average pensioners.

"Save"

Deposit conditions:

Interest rate at the bank office 3,65%-4,50% For ruble deposits, 0,05%-0,95% - for dollar deposits;
Interest rate when opening online - 3,9%-4,75% for ruble deposits, 0,1%-1,35% for dollar deposits.

Deposit currency:Russian ruble, dollar USA;
Minimum deposit amount: 1000 rubles, 100 dollars.
Deposit term:1 month - 3 years inclusive.

Replenishment:not provided
Partial withdrawal:not provided.

The term of the deposit for each specific case is calculated individually up to a day.

"Replenish"

Deposit conditions:

Interest rate at the bank office 3,6%-4,05% for ruble deposits, 0,05%-0,95% - for dollar deposits;
Interest rate when opening online - 3,85%-4,3% for ruble deposits, 0,25%-1,15% for dollar deposits.

Deposit currency:Russian ruble, dollar USA;
Minimum deposit amount: 1000 rubles, 100 dollars.
Deposit term:3 months - 3 years inclusive.

Replenishment:
- cash:
- non-cash:Not limited.
Partial withdrawal:not provided.

You can also open a "Top up" deposit in the name of a child who will be able to access it only upon reaching the age of majority: from the age of 14, he can replenish the account himself, and from the age of 18, he can fully manage it.

Did you know? In recent years, Sberbank has increased lending to 70%, while its competitors have this figure at the level of 21%.

"Control"

Deposit conditions:

Interest rate at the bank office 2,9%-3,75% for ruble deposits, 0,01%-0,6% - for dollar deposits;
Interest rate when opening online - 3,15%-4,0% for ruble deposits, 0,15%-0,8% for dollar deposits.

Deposit currency:Russian ruble, dollar USA;
Minimum deposit amount: 30,000 rubles, 1,000 dollars.
Deposit term:3 months - 3 years inclusive.

Replenishment:
- cash: from 1,000 rubles or 100 dollars;
- non-cash:Not limited.
Partial withdrawal:dO

"Gift a life"

Deposit conditions:

Interest rate -4,55% .

Deposit currency:Russian ruble;
Minimum deposit amount: 10,000 rubles.
Deposit term -1 year.

Replenishment:not provided
Partial withdrawal:not provided

The contribution was created to help children with oncological, hematological and other serious diseases.

Every 3 months, Sberbank transfers 0.3% per annum of the deposit amount to the Podari Zhizn charity fund.

"Onlike"

Deposit conditions:

Interest rate:
- 6,5% - for 1 year;
- 6,7% - for 2 years.

Deposit currency:Russian ruble
Minimum deposit amount: 10,000 rubles;
Deposit term: 1-2 years

Replenishment: not provided
Partial withdrawal:not provided

"Major Benefit"

Deposit conditions:

Interest rate:1.5% -3.0% per annum

Deposit currency:U.S. dollar
Minimum deposit amount: $10,000;
Deposit term: 6 months, 1,2,3 years

Replenishment: not provided
Partial withdrawal:not provided

"Social"

Deposit conditions:

Interest rate -3.75% per annum.

Deposit currency:Russian ruble;
Minimum deposit amount: 1 ruble.
Deposit term -3 years.

Replenishment:not limited
Partial withdrawal:dOminimum balance level without loss of accrued interest

The contribution is a special offer for children left without parental care and veterans/disabled of the Great Patriotic War. It can only be opened at a branch of Sberbank in the name of an orphan child by his legal representative upon presentation of an act of the guardianship and guardianship authority on the establishment of guardianship / guardianship / placement of the child in a specialized social institution, as well as by a veteran or disabled person of the Great Patriotic War upon presentation of a certificate of a veteran of the Great Patriotic War /certificates of the invalid of the Great Patriotic War.

"Pension-plus of Sberbank of Russia"

Deposit conditions:

Interest rate -3,5% .

Deposit currency:Russian ruble;
Minimum deposit amount: 1 ruble.
Deposit term -3 years.

Replenishment:not limited
Partial withdrawal:dOminimum balance level without loss of accrued interest

This deposit was created for crediting pensions, social benefits and other payments.

Conditions for registration of termless deposits, category "deposits for settlements"

For daily use and making regular payments, Sberbank of Russia offers its customers special offers: deposits for settlements.

"On demand of Sberbank of Russia"

Deposit conditions:

Interest rate -0.01% for all currencies

Deposit currency: Ruble / US dollar / Euro / Pound sterling / Swiss franc / Swedish krona / Singapore dollar / Norwegian krone / Danish krone / Canadian dollar / Australian dollar / Japanese yen ;
Minimum deposit amount:.
Deposit term:indefinitely.

Replenishment:not limited
Partial withdrawal:dOminimum balance level without loss of accrued interest

In force majeure circumstances, when it becomes necessary to withdraw all the money invested, you have the right to terminate the agreement with the bank ahead of schedule and withdraw your deposit. In this case, the income will be accrued taking into account the actual period of storage of money in the account and the established interest rate. If it has changed since the opening of the deposit, each of its values ​​will be taken into account. For long-term storage, you can draw up a power of attorney or make a will on your savings.

"Savings account"

Deposit conditions:

Interest rate:
- 1,0%-1,8% - ruble deposits;
- 0,01% - for deposits in foreign currencies.

Deposit currency:Russian ruble, dollar USA, Euro;
Minimum deposit amount: not limited.
Deposit term:indefinitely.

Replenishment:not limited
Partial withdrawal:not limited.

Deposit "Universal Sberbank of Russia"

Deposit conditions:

Interest rate -0.01% for all currencies

Deposit currency: Rubles / US dollars / Euros / Pounds sterling / Swiss francs / Swedish krona / Singapore dollars / Norwegian krone / Danish krone / Canadian dollars / Australian dollars / Japanese yens;
Minimum deposit amount:10 rubles / 5 US dollars / the equivalent of 5 US dollars in other currencies
Termcontribution:indefinitely.

Replenishment:not limited
Partial withdrawal:dOminimum balance level without loss of accrued interest

This deposit can not be opened in all branches of Sberbank. The list of branches where it is available can be found here.

Important! To make a deposit, you need to come to Sberbank with a passport or pension certificate, sign an agreement and put money on a deposit.

"Nominal account for crediting social payments"

Deposit conditions:

Interest rate -3,67% .

Deposit currency:Russian ruble;
Minimum deposit amount: 0 ruble.
Deposit term -perpetual.

Replenishment:alimony, pensions, allowances
Partial withdrawal:dOminimum balance level without loss of accrued interest

A nominal account for crediting social benefits is opened at Sberbank branches for parents/guardians/trustees to credit social funds specified in Article 37 of the Civil Code of the Russian Federation: amounts of alimony, pensions, benefits, compensation for harm to health and harm suffered in the event of the death of the breadwinner, as well as other funds paid to them for the maintenance of minors / incapacitated / partially capable citizens who are beneficiaries of a nominal account. To open it, it is enough for the Parent to present their identity document and the birth certificate of a child under the age of 14 or the birth certificate and passport of a child aged 14 to 18, while no permission from the guardianship and guardianship authorities is required to be provided to the Bank . In order to open a Nominal Account, the Guardian/Trustee presents his identity document, the birth certificate of a child under 14 years of age or the passport of a child aged 14 to 18 years or an incapacitated/partially incapacitated citizen, Act of the body of guardianship and guardianship on the appointment of a guardian (custodian ), confirming the powers of the owner of the Nominal account to manage the funds of the ward

This project covers the needs of parents, guardians, incapacitated or partially capable people, as well as trustees to whom the state pays funds for the maintenance of minor children. Deposits in banks are possible only in Russian rubles to a nominal account intended for social payments. How much money to put on the deposit, the depositor decides. To withdraw funds, you do not need prior permission from the guardianship and guardianship authorities.

The account can exist for an unlimited time with the possibility of partial use. Moreover, the bank does not put forward any conditions regarding the minimum balance. Replenishment of a nominal account excludes incoming transactions, except for the transfer of social payments and transfers from another similar account, the beneficiary of which is the same person.

Interest is calculated every 3 months. If you want to close the account and terminate the agreement with the bank, interest will be accrued on the actual storage of money, taking into account the rate agreed upon when opening the deposit. All changes in interest rates will also be taken into account.

General terms of deposits

All deposits differ in interest rate, term, minimum amount and various conditions for replenishment and withdrawal. But they also have the same items in the provision:

Terms of interest

1. Interest is calculated monthly;
2. Accrued interest is added to the deposit amount, thereby increasing income in the next month;
3. Accrued interest can be withdrawn or transferred to the card account.

An increase in the interest rate occurs when the amount of the deposit of the next amount gradation is reached. For example, if you opened a "Replenish" deposit in the amount of 100,000 rubles, and subsequently its amount reached 400,000 rubles, then the interest rate will increase from 3.8% to 3.94%.

Conditions for early termination

1. If you need money before the end of the deposit, you can always get it, regardless of the reason for this;
2. If the deposit was opened for a period of less than 6 months inclusive, then the deposit amount will be recalculated and returned based on the interest rate of 0.01% per annum;
3. If the deposit was opened for a period of more than 6 months:
   - when claiming a deposit within the first six months - recalculation according to the rate of 0.01%;
   - when claiming a deposit after the sixth month - based on 2/3 of the interest rate set by Sberbank at the time of opening the deposit.

At early repayment deposit interest is recalculated without taking into account the monthly capitalization.

Prolongation conditions

• The number of extensions is not limited;
• Automatic renewal is subject to the same terms and at the same interest rate as on the date of renewal.

Conditions for pensioners

Sberbank has developed special conditions for pensioners who open "Replenish" or "Save" deposits:

1. Opening of deposits on special conditions for pensioners is carried out for women over 55 years old and for men over 60 years old;
2. Deposits for pensioners are opened with the maximum interest rate for the selected period, regardless of the amount of the deposit;
3. If the deposit was opened before reaching retirement age, then upon reaching it, the rates automatically become maximum;
4. There is no limit on the maximum amount;
5. When deposits are demanded after 6 months of the main/extended term, in which the balance exceeds the Maximum amount, to the difference between the actual balance and Maximum amount in addition to the coefficient 2/3, a reduction coefficient - ½ is applied. These coefficients are applied to the rate in effect on the deposit on the date of opening/prolongation.

Did you know? The rights of the main shareholder and founder of Sberbank are assigned to central bank Russian Federation, which owns 50% + 1 voting share.

We suggest that you familiarize yourself with the detailed instructions on how to open a deposit in the Sberbank Online system in the document attached below.

In times of economic instability, you want to keep your savings. You can do this in many ways: hide money at home, buy any valuables with it, open an account with Sberbank for an individual. The organization offers a large selection for those who are thinking which deposit in Sberbank is better to open. By entrusting your free funds to one of the most reliable banks in our country, you can not only not lose them, but increase them due to favorable conditions.

How to choose the most profitable deposit in Sberbank

It is impossible to say exactly which contribution will be the most profitable, since any of them is designed for a specific target audience. In addition, the depositor needs to carefully check the conditions: the ability to replenish the account, withdraw the necessary amounts, the interest rate. Today, Sberbank of Russia offers several products with different conditions, among which customers can find the most profitable for themselves.

Types of deposits and their interest rates in 2019

In 2019, the clients of this bank will be able to achieve the following goals with the help of relevant offers:

• get an excellent profit due to the fact that new interest rates on Sberbank deposits have been introduced;
• withdraw interest every month;
• set aside a certain amount every month for different purposes, because this gives a chance to make Sberbank savings deposits;
• keep funds in monetary units of other countries (Sberbank deposits in foreign currency);
• withdraw your money if necessary.

To make a deposit in Sberbank at interest (or any other), you need to visit the branch of the organization, having a passport with you. Then you need to sign the contract drawn up on the proposal, carefully reading it (especially those items that are written in small print). The next step is to deposit a certain amount of money into your open account.

Happy year

The product involves the use of both rubles and foreign currencies (US dollars, euros). To open such a deposit, you need to deposit from 150,000 rubles. For American and European banknotes, the minimum amount is 3000. According to the terms of the deposit, funds must be kept on it for 9 months (for ruble), 10-18 months (for foreign currency). Ruble rates are up to 10%, dollars - 3.10%, in euros - 2%. Do you think which deposit in Sberbank is preferable to open? Considering the percentages, it is worth taking a closer look at the Happy Year product.

save

This type of deposit belongs to traditional bank products. The product is available not only in our currency, but also in two others, according to which the exchange rate is checked. The terms of the program do not imply partial withdrawal or replenishment. You can open a product with only 1000 rubles, $100, €100. Depositing 100,000-400,000 rubles. for a period of 3 years will give you the opportunity to receive 8.44% per annum. Capitalization involves an increase in interest to 9.07%. If you deposit foreign currency, the interest rate will be 2.22% in dollars and 1.17% in euros.

Replenish

Savings deposits in Sberbank are represented by the "Top up" offer. The product opens up the possibility not only to keep the initially deposited amount, but to periodically replenish it with new funds. The period for which the account is opened starts from 3 months and goes up to 3 years. For rubles, the amount of additional deposits is from 1000 rubles. in cash. If you want to make a deposit using a bank transfer, there will be no restrictions for you.

Capitalization of the account will allow you to purchase up to 8.07% per annum, and if the depositor does not want this process, his funds received at the rate will be transferred monthly to the card or account. As for foreign currency, you can supplement the deposit in the amount of $100 or €100. The interest rate in dollars will be 2.01%, when using euros - 1.07%. The rest of the conditions are the same as the "Save" sentence.

drive

For people who want to be able to withdraw some money from their account or replenish it, the Manage product will do. The minimum amount of ruble investments here is 30,000 rubles. The maximum rate will be 7.31%, provided that the interest is capitalized. If you decide to make a dollar deposit, then you need to leave for storage from $1000, the rate is 1.80%. The euro offer will become available when you deposit from €1000, while your account will be replenished at 0.86% per annum.

Pension Plus

An excellent deposit created specifically for retirees who want to earn an income for retirement. You can create such an investment for a period of 3 years. As long as your money is inside the bank, you will be able to constantly replenish the account, partially withdraw money from it. It is possible to take funds until 1 ruble remains on it. The annual interest rate on this offer, subject to capitalization, is 3.67%. A profitable deposit for pensioners, which allows not only to store and increase their funds, but also to manage them.

Multicurrency

The "Multicurrency" deposit uses several currencies to open at once - this is its main feature. You can open it using any of them: rubles, euros or US dollars. Interest rates under the offer are as follows: up to 6.88% in rubles; 1.78% in dollars; 0.91% when using Euro. The period for which this deposit is calculated can be from 1 to 2 years. The offer implies the possibility of replenishment. The minimum amount of cash replenishment is 1000 rubles, $100, €100. The minimum deposit amount is not at all large: 5 rubles, $5, €5.

International

A deposit that provides for the storage of funds in foreign monetary units: British, Swiss, Japanese. The offer does not allow for partial early withdrawals. This product is designed for both short and long term. The minimum amount you can deposit is the same for Pounds Sterling and Swiss Francs, which is 10,000. You can deposit in Yen with the minimum amount 1,000,000 units of this currency.

Each currency has its own interest rate:

• pounds sterling: 0.70-4.50%;
• Swiss francs: 0.10-2.65%;
• Japanese yen: 0.30-2.65%.

savings account

A very convenient offer, implying the possibility of daily management - a savings account with Sberbank. This storage system comes into effect at an unlimited minimum amount, then you can replenish it and withdraw any amount of money available on the account. Opening is possible in three currencies: rubles, US dollars, euros. Clients can use this deposit indefinitely.

Interest rate for each type of currency:

• rubles: 1.50-2.30%;
• euro: 0.10-0.40%;
• US dollars: 0.10-0.40%.

How to open a deposit in Sberbank online

You can also choose which deposit in Sberbank you should open online. If you have already become a bank user and have repeatedly accessed its Internet equivalent, you can immediately start opening. If you did not use the services, then you will have to visit the bank. At the branch of the organization, you must provide a passport and declare your desire. A special agreement will be concluded with you, after which you have the right to manage your finances and use the services of this bank via the Internet.

To open a deposit online, you need to perform a small number of actions:

1. If you do not have this card financial organization, you need to get it. The instant issue card is absolutely free, there are no maintenance fees.
2. Using the terminal, get the login and password you need to log in. The information will be with you by means of a receipt, where it will be indicated. Do not give this data to anyone so that no one can use your money without their knowledge. If you estimate that this task is difficult, ask for help from a special person - a consultant. Do all this easily from your mobile phone. To do this, when concluding an agreement, activate the service " Mobile bank”, which will require small annual maintenance fees.
3. Using a computer, mobile device or terminal, go to the Sberbank website. Then follow the following links: individuals - online services - Sberbank Online. Next, you will need to enter the previously received login, password.
4. Click on the "Deposits and accounts" page, click on the "Opening a deposit" link.
5. Carefully study the conditions that characterize each type of contract, select the offer that suits you. To date, such deposits are available as: "Top up online", "Manage online", "Save online". After selecting the desired offer, click "Continue", opening the application form, which must be carefully and correctly filled out.
6. After checking the correctness of the data, click the "Open" button, check again. If you did everything correctly, check the box to agree to the terms. You will see your account details, which you can then check inside the "Deposits and Accounts" link.

Video: what you need to know about currency deposits

Time of crises, increase in prices for monetary units other countries force some people to use the currency of other countries to store their savings. It costs more and is constantly growing. Keeping foreign currency savings at home is not the best idea; it is much more profitable to entrust them to a bank at interest. Deposits, for the opening of which the monetary units of other states were used, have their own characteristics, conditions and pitfalls.

What deposits did Sberbank prepare for December 2019 for individuals. To date, Sberbank has deposits with increased interest rates up to 5.45% for owners of the Sberbank First package and up to 6.10% for the Sberbank Premier package. Note that this is the most profitable% rate, unlike conventional investments. The bank often makes promotions and promotional deposits to attract customers. As a rule, the rate for opening such deposits is temporary, approximately 2-3 months. For ordinary investments, the bank's interest is small when compared with competitors.

Deposits for customers "Sberbank First" - high interest

The Sberbank First level package is available, as a rule, to wealthy clients who can open deposits for a large amount and whose account balances are in the millions. Here are the main conditions to become a similar client and receive up to 6.10% on deposits.

• It is necessary to open a deposit in the amount of 5 million R / 150 thousand $.
• The cost of the package is 10 thousand rubles (if the amount on the account is less than 10-15 million rubles)
• Interest rate is 1% higher

Advantages of the Sberbank First package

1. You will receive a personal financial advisor
2. Preferential, more favorable exchange rates
3. $1 million travel insurance for the whole family
4. Access to airport lounges for you and your companions
5. Increased bonuses THANK YOU

Questions and answers on Sberbank deposits

Can I open several deposits in my name at once?

You can open any number of deposits.

In what currency can I open a deposit?

Depends on the deposit: Save, Replenish and Manage can be opened in rubles or dollars. If you want an account in euros, use the Savings Account at 0.01% per annum.

What benefits are there for pensioners when opening a deposit?

Pensioners will receive the maximum interest on deposits Save and Replenish, regardless of the amount of money invested.

Under what conditions is the deposit renewed?

If you have not withdrawn the money from the deposit, it is automatically renewed on the terms and at the rate that are in effect on the date of prolongation. Thus, the interest on the deposit may change. If the deposit is no longer valid, it is extended on demand at a rate of 0.01% per annum, as specified in the agreement.

How to withdraw money from an account or passbook from another region?

Contact the office and submit a request for a transfer from another region. In three business days, the money will be in your bank.

Is it possible to withdraw the interest added to the deposit amount and in what way?

The interest added to the deposit amount can be withdrawn at any time in whole or in part. Get interest through Sberbank Online or at a bank office.