Sberbank deposits for individuals August. Sberbank temporarily increased rates on ruble deposits. How to register Sberbank deposits for individuals

Deposits of Sberbank of Russia for individuals today they remain attractive, although they do not have the most favorable interest rates in 2020. Compare the updated conditions for opening deposits in rubles and foreign currency, online and in the branch.

Updated deposit rates of Sberbank of Russia for today

In 2020, Sberbank updated interest rates on deposits of individuals. Today deposits are not as profitable as in many other banks. But when choosing a bank to invest funds, individuals often prefer Sberbank, as the most reliable. In addition, Sberbank deposits for individuals are insured by the state. This means that if the bank loses its license, which is unlikely, you will be returned an amount of no more than 1.4 million rubles, including interest. Read more about deposit insurance

The range of deposits for individuals at Sberbank is simple and clear:

1. – “Save” and “Special Save”,
2. – “Replenish” and “Special Replenish”,
3. with replenishment and partial withdrawal of money without loss of interest - “Manage” and “Special Manage”.

Sberbank deposits for individuals today can be opened in Russian rubles and foreign currency (US dollars). It is possible to make deposits in the branch and online via the Internet.

For clients of retirement age – for “Save” and “Replenish” deposits, the maximum interest rate is set for the selected period, regardless of the deposit amount. See the conditions and interest rates of Sberbank deposits

Deposits in Sberbank today: interest and conditions

Let's compare interest rates and conditions for opening deposits for individuals in Sberbank today - in 2020.

Sberbank deposit “Catch the Spring”: conditions and rates

This is a new holiday deposit that can only be taken out from 19 February to 14 March 2020. It is timed to coincide with holidays and has an increased interest rate.

Conditions

• Duration: 5 months;
• Minimum amount: 50,000 rubles.
• Replenishment: no;
• Partial withdrawal without loss of interest: no.

Conditions for calculating interest

• Interest is calculated at the end of the term;
• In case of early termination, interest is paid at a rate of 0.01%.

Interest rate

5% per annum in rubles.

Sberbank deposit “Save”: interest and conditions

Deposit for individuals to reliably preserve savings and receive a guaranteed stable income. Without the possibility of replenishment and partial withdrawal without loss of profitability. Opens in branches, online and at ATMs.

Conditions

• Duration: from 1 month to 3 years inclusive;
• Minimum amount: 1,000 rubles / 100 US dollars.
• Replenishment: no;

Conditions for calculating interest

Interest rates

Without capitalization

Taking into account capitalization

In Russian rubles

In US dollars

Sberbank temporarily does not open new deposits in euros, and offers to use Savings account in euros at a rate of 0.01% per annum.

Sberbank deposit “Replenish”: interest and conditions

A replenishable deposit for those who prefer to save and regularly deposit funds in a reliable bank. Opens in branches, online and at ATMs.

Conditions

• Duration: from 3 months to 3 years;
• Minimum amount: 1,000 rubles / 100 dollars.
• Partial withdrawal without loss of interest: no.
• Increase in interest rate: automatically when the next amount gradation is reached.

Conditions for calculating interest

• Interest is calculated monthly.
• The accrued interest is added to the deposit amount, increasing income in subsequent periods (capitalization).
• The accrued interest can be withdrawn or transferred to the card account.

Interest rates

Without capitalization

Taking into account capitalization

In Russian rubles

in US dollars

Sberbank deposit “Manage”: interest and conditions

A deposit for secure storage of your savings with the ability to withdraw part of the funds before the expiration of the deposit without loss of interest. Refillable. Opens in branches, online and at ATMs.

Conditions

• Duration: from 3 months to 3 years;
• Minimum amount: 30,000 rubles / 1000 dollars.
• Replenishment: yes. Cash - from 1,000 rubles / 100 dollars. Non-cash - unlimited;
• Partial withdrawal without loss of interest: yes. Up to the level of the minimum minimum balance without loss of accrued interest.
• Increase in interest rate: when the deposit amount is increased to the next gradation and when an additional agreement is concluded to increase the amount of the minimum balance.

Conditions for calculating interest

• Interest is accrued monthly on the entire deposit amount (the interest rate depends on the amount of the minimum balance).
• The accrued interest can be withdrawn or transferred to the card account.
• The accrued interest is added to the deposit amount, increasing income in subsequent periods.

Interest rates

in Russian rubles

in US dollars

Sberbank deposit “Gift of Life”: conditions and rates

Deposit to help children with oncological, hematological and other serious diseases. Every 3 months, Sberbank transfers to the Gift of Life charity fund an amount of 0.3% per annum of the deposit amount. Opens in the branch.

Conditions

• Duration: 1 year;
• Minimum amount: 10,000 rubles.
• Replenishment: no;
• Partial withdrawal without loss of interest: no.

Conditions for calculating interest

• Interest is calculated every 3 months;
• In case of early termination of the deposit, interest is recalculated without taking into account the capitalization of interest.

Interest rates

4.58% per annum with capitalization (4.5% per annum without capitalization)

Deposit "Pension-plus of Sberbank of Russia"

This is a special deposit for receiving income for retirement. 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

• Duration: 3 years;
• Minimum amount: 1 ruble;
• Replenishment: unlimited;
• Interest accrual: every 3 months. The accrued interest is added to the deposit amount, increasing income in the following periods;
• Early termination: when the deposit is withdrawn, the rate established on the date of opening (prolongation) of the deposit does not change.

Interest rate

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

Sberbank deposit “Social”: conditions and rates

This is a special deposit into which social payments to orphans and war veterans are credited.

Conditions

• Duration: 3 years;
• Minimum amount: 1 ruble;
• Replenishment: unlimited;
• Partial withdrawal without loss of interest: up to the level of the minimum balance;

Conditions for calculating interest

• Interest is calculated quarterly.
• The accrued interest is added to the deposit amount.
• The accrued interest can be withdrawn.

Interest rate

SB RF has been consistently leading the top ten banks with the largest volume of ruble deposits in Russia for a couple of decades. Despite a slight reduction in the deposit line over the past year, all main types of deposits remain in its assortment - savings, savings and checking. Sberbank deposits for individuals in 2017 in rubles today it does not offer the most profitable, but clients are attracted by the reliability of this financial institution and the wide selection of options available to deposit holders. We will tell you below what deposits are available at Sberbank and at what interest rates they are accepted in 2017.

Sberbank deposits for individuals in 2017 today

In 2017, Sberbank issues deposits for individuals within the framework of 5 programs: “Save”, “Replenish”, “Manage”, “Give Life” (a project to help seriously ill children) and “Time to Save” (seasonal offer until August 18).

According to the first three programs, deposits of individuals in Sberbank of the Russian Federation for 2017 are opened both in branches and remotely. When registering via the Internet, the conditions for placing funds on deposit accounts differ in a more favorable direction for the client.

If for a client opening a deposit in Sberbank for individuals in 2017 in rubles, what percentage will be set on the deposit is not the main selection criterion, he should pay attention to the perpetual “Savings Account”. There are no restrictions on outgoing and incoming transactions.

For clients registering Sberbank deposits for individuals in 2017 through the official website, prices are more favorable than when contacting the offices of a financial institution.

Deposit in Sberbank for individuals in 2017 in rubles

Replenishable deposits from Sberbank for individuals in 2017 are “Manage” deposits (with partial withdrawal) and “Replenish” deposits (only with incoming transactions). By deposit account“Save” is not possible either additional contributions, nor expense transactions.

Under the “Save”, “Replenish” and “Manage” programs, Sberbank of Russia is currently opening deposits for individuals in 2017 for a period of up to 3 years. The first deposit is opened for at least 1 month, the rest - for a quarter.

Deposits for individuals in Sberbank in 2017 “Replenish” and “Save” are issued in the amount of 1 thousand rubles. The minimum deposit amount for “Manage” is 30 thousand rubles.
Under the “Time to Save” program, Sberbank of Russia currently accepts deposits for individuals in 2017 for a period of 4 months in the amount of 100 thousand rubles.

In 2017, Sberbank's charitable deposits for individuals are available when placing at least 10 thousand rubles in accounts for a period of 1 year.

New interest rates of Sberbank: deposits of individuals in 2017

From the first of June, Sberbank made deposits for individuals for 2017, the interest rates on which were quite modest, even cheaper. The profitability of the “Gift of Life” deposit decreased by 0.2% per annum – to 5 percentage points.

For those registering in PJSC Sberbank deposits of individuals in 2017, interest rates on deposits also decreased under the “Save”, “Replenish” and “Manage” programs. Now these deposits with monthly capitalization/interest payment are placed respectively at 3.8-5.1%, 3.7-4.6% and 3-4.3% per annum.

The best Sberbank deposits for individuals in 2017 under the “Time to Save” program are opened at 6.5-7% per annum.

Deposits in Sberbank Online for individuals on the official website

When making remote deposits at Sberbank PJSC, deposit rates in 2017 for individuals (the newest ones) also decreased.

The “Manage Online” deposit is now issued at 4.1-4.65% per annum. Almost the most profitable deposits in Sberbank for individuals in 2017 in rubles are currently opening at 4.05-5.6% per annum under the “Save” program. Internet deposits “Replenish” are placed at 3.95-5.1% per annum.

Deposits online Sberbank for individuals in 2017 under the “Time to Save” program are opened at 7% per annum.

Interest rates on deposits from Sberbank of the Russian Federation for 3 months in 2017

Clients interested in opening short-term deposits can open an account using the Save, Top up and Manage programs in the traditional way or remotely.
The most profitable Sberbank deposits for individuals in 2017 for today for 3 months are provided under the “Save Online” and “Save” programs with a rate of 4.45-5.15% and 4.2-4.7%.

“Manage” and “Manage Online” deposits are issued for a quarter at 4.1-4.8% and 3.8-4.3% per annum. Under the “Replenish” and “Replenish Online” programs, money can be placed at 4.1-4.6% and 4.4-5.1%, respectively.

All Sberbank deposits for individuals in 2017 for 3 months are more profitable, the larger the deposit amount. To receive the maximum rate, you must place more than 700 thousand rubles in the accounts of a financial institution.

What are the profitable deposits in Sberbank at a high interest rate?

Online deposits in Sberbank for individuals in 2017 under the “Save” program can be made at 5.45%, provided that 700 thousand rubles are placed in the account. for a period of 12 to 23 months. For more modest amounts the rate will be 4.75-5.25%. All Sberbank deposits for individuals in 2017 under this program - both regular and remote - can be capitalized. In this case, depending on the amount and term of the deposit, the income will be 4.46-5.63% per annum.

If we look at Sberbank PJSC, which deposit is the most profitable for individuals in 2017 for a short term - this is, of course, the “Time to Save” deposit. A client who placed 100 thousand rubles. for 4 months at 7%, will receive an income of 2340 rubles.

The best deposits of PJSC Sberbank of Russia for pensioners

The most expensive Sberbank deposits for 2017 for individuals and pensioners are “Time to Save” deposits with a rate of 7%, which is set taking into account the promotional code received on the VK social network. But for clients who want to place money for a longer period, this offer is not suitable.

For elderly people, the Security Council of the Russian Federation established benefits for two long-term deposits: “Save” and “Replenish”. In contrast to the rates of PJSC Sberbank of Russia on deposits of individuals in 2017, interest on deposits for pensioners does not depend on the amount of the deposit.

So, an ordinary client, when opening a savings deposit in the amount of 1 thousand and 700 thousand rubles. for a year can count on a rate of 4.75% and 5.45%, respectively. And Sberbank deposits for 2017 for individuals-pensioners for the same period are opened at 5.45% regardless of their amount.

Sberbank ranks first in terms of the number of funds raised, lending and other services. The fact that the bank is owned by the state adds trust to it, and complete with beneficial principles placement of deposits, it is becoming a favorite among institutions that Russians choose to store and grow their savings. Of course, some banks give better conditions than Sberbank for deposits of individuals 2017; their interest rates on deposits are much higher, but reliability is lame. Sberbank has Russian capital behind it, and this instills confidence.

Sberbank deposits for individuals 2017 offer interest on deposits that cover economic risks, and moreover, they provide an opportunity to earn good money. There are deposits with capitalization, in dollars and rubles, and options for retired people always have higher rates. The terms and conditions of most deposits indicate that they can be terminated early and also replenished by any amount.

Sberbank clients who are registered in the Sberbank Online system will be pleased to know that in 2017 interest on deposits made via the Internet is higher than for those made in bank branches.

How to choose a deposit for individuals?

The choice of deposit at Sberbank for individuals in 2017 depends on the interest on deposits, as well as individual conditions. It should be understood that a deposit is the transfer of your money to the bank for a specific period. Sometimes it is important to ensure the availability of these funds, as well as the opportunity to earn more profit. Therefore, before choosing a deposit, you should analyze:

• What is the minimum down payment amount? This is the amount that the client deposits into the account when opening a deposit. In 2017, the first payment at Sberbank is 1, 10, 30 thousand rubles or 100, 1000 dollars (euro);
• for what period the deposit is placed. Sberbank offers deposits with a specific period. Usually it is up to 3 years, and also indefinite;
• Is it possible to replenish the deposit? Deposits with replenishment are usually more profitable: it is clear that the larger the amount, the higher the profit. In 2017, Sberbank has deposits with and without replenishment;
• Is it possible to withdraw money? Sometimes you need money urgently, and the easiest way is to simply withdraw it from the deposit. Therefore, from an accessibility point of view Money, this kind of deposit is preferable. You can withdraw money from the deposit only within certain limits, not lower minimum size initial payment, otherwise it is considered an early withdrawal of the deposit.

How to open a deposit in Sberbank?

In Sberbank, deposits for individuals 2017 can be opened at a bank branch and remotely, but the interest on deposits will differ.

Opening an account at a branch

Opening a deposit at a branch is very simple, just come to Sberbank with documents. Our staff will help you choose the best program and fill out the contract. Money can be deposited into your account at the cash desk, terminal, or transferred from a card account. Also, bank clients can download documents for registering a deposit from the official website of Sberbank, fill them out at home and simply bring them to the bank.

Opening a deposit online

The second method is to open a deposit using an Internet client or the Sberbank Online mobile application. The user just needs to select deposits in the menu, fill out the interactive form and agree to the bank’s terms and conditions. Such Sberbank deposits of individuals in 2017 have higher interest rates on deposits, in addition, it is much faster and easier to register them, because you do not need to go to the bank.

Principles for calculating interest in Sberbank in 2017

Sberbank always develops several deposits with different conditions so that each client selects the most acceptable option based on the totality of conditions. The greatest attention is always paid to the interest rate, because the higher it is, the greater the profit. There are different Sberbank deposits for individuals in 2017, interest on deposits is calculated as follows:

• dynamic – the deposit rate is floating and depends on how much is in the account and for how long. Most Sberbank deposits are exactly like this: the higher the amount and longer term deposit, the higher the interest. The difference between the minimum and maximum rates can be several percent. In such deposits, it is beneficial to leave the accrued interest on the account, since then the profit increases significantly;
• statically – the deposit rate is fixed and does not depend on the deposit term.

In addition, the interest on the deposit is affected by the currency in which it is issued. In ruble deposits the rate is always higher and amounts to 4-6% in 2017, in foreign currency it fluctuates around the 1% mark.

Deposits for individuals in 2017, interest on deposits

All Sberbank deposits of individuals in 2017 and interest on deposits are available on the official website page Time deposits. If the visitor is interested in additional information, it can be found by clicking on the “Find out more” button.

To learn more

Save

This is what the deposit information page looks like.

Detailed information about Save

Interest is allowed to be withdrawn, sent to another card or left on deposit. Automatic extension.

Replenish

This is a deposit for people who prefer to accumulate capital or collect money for some kind of purchase (event). Its conditions are optimal for these purposes:

Replenish

• dynamic rate – 4.9-5.2% (rubles), 0.1-0.9% (dollars), from 0.01% (euro);
• placement period – from 3 months to 3 years, and in euros from one to three years;
• The minimum own contribution is 1000 rubles, 100 dollars/euro.

The deposit can be replenished at any time with an arbitrary amount, as well as interest can be withdrawn or transferred to the card. It is not allowed to withdraw the deposit body before the end of the term (except in cases of rupture due to force majeure). Can be calculated online calculator your own income.

Calculation of income from the “Replenish” deposit

Manage

This deposit is preferable for those who want to save and accumulate money, but always have it at hand. Its conditions are somewhat stricter than others:

Manage

• deposit rate – 4.62-5.41% (rubles), 0.01-0.6% (dollars), 0.01% euros;
• placement period – as in the previous deposit;
• smallest amount for down payment– 30 thousand rubles. or 1 thousand dollars/euro.

A big advantage of a deposit is the ability to withdraw money up to a fixed balance at any time, as well as replenish it.

gift a life

This is a contribution offered under the charitable program of Sberbank together with the Gift of Life foundation. It is accepted exclusively in rubles:

gift a life

• interest rate – 5.95% per annum;
• placement period – one year;
• minimum deposit – 10 thousand rubles.

The deposit cannot be replenished or withdrawn until the end of the agreement with the bank. Interest here is accrued not monthly, but once a quarter, and part of the interest from the deposit amount is directed to the treatment of children with oncological and hematological diseases. The website has a credit card of the same name.

Card Give Life

savings account

In addition to the above, there are Sberbank deposits for individuals 2017, the interest on deposits of which is small, but they provide the opportunity to best preserve capital and earn money at the same time. This includes a savings account. It has a modest rate in rubles, only 1.5-2.3% per annum (depending on the amount), but you can withdraw money from it within unlimited limits and replenish it at any time. Essentially, this is an account with free movement of money on which interest is charged.

savings account

It is advantageous to open a savings account in foreign currency, since the interest rate in this case is almost no different from other deposits, but other conditions are much better.

You can view all Sberbank deposits for individuals in 2017 and interest on deposits, as well as select the optimal one using filters, on the “Bank Deposit Calculator” page at data.sberbank.ru/moscow/ru/person/contributions.

By February 23 and March 8, 2020, Sberbank introduced a new promotional deposit “Catch the Spring”. As a result, today among the savings programs of the SB of the Russian Federation there are the following proposals:

- Rosselkhozbank deposits: interest and conditions >>

Deposit calculator

What kind of income can you get from the “Catch the Spring” deposit?

Let's calculate how much you can earn on this deposit by investing different amounts. Let's start with the minimum - 50,000 rubles.

Amount, rub.	Income, rub.

See also:

- All Sberbank deposits for individuals: rates and conditions >>

How to make a deposit

The “Catch the Spring” holiday deposit is opened only remotely: online or at an ATM.

1 IN personal account Sberbank Online.

Log in to Sberbank Online → Deposits and accounts → Opening a deposit → Select a deposit and specify the conditions → Confirm → The deposit is open!

2 IN mobile application Sberbank Online.

Log in to the application → Deposits and accounts → Select a deposit and specify the conditions → Confirm → The deposit is open!

3 At the ATM.

Insert the card and enter the PIN code → “Cards, deposits and loans” → “+New product” → Open deposit.

If you are not yet a client of the SB of the Russian Federation, then go to the bank branch with your passport and apply for some kind of debit card. After this, you will have access to Sber's remote service channels and will be able to open a deposit.

“We invite our clients to welcome spring with us. Our new contribution with an increased interest rate is an excellent opportunity to increase your funds and cheer yourself up on the eve of the holidays of February 23 and March 8,” says Sergey Shirokov, director of the “Borrow and Save” division of Sberbank.

Conclusions: is it profitable to open a new Sberbank deposit today?

To answer this question, let’s compare the profitability of the “Catch the Spring” and “Save” deposits for the same period - 5 months.

The answer would seem obvious. With a period of 5 months, the new “Catch the Spring” deposit is more profitable than “Save”, which has maximum bets among Sber's basic deposits.

Rosbank deposits law of the Russian Federation taxes reviews

Sberbank deposits for individuals in 2017

As in everything previous years, in 2017 deposits of Sberbank of Russia continue to lead by a wide margin from deposits placed by individuals in other banks Russian Federation. So, if we consider how the rating of Russian banks has changed over the past five years, we can state that Sberbank of Russia continues to occupy the first position in terms of the volume of deposits of individuals, and by a huge margin, which in figures for the five leading banks in the country looks like this:

№№	Name of banks	Deposits of individuals as of December 2016, (million rubles)		Deposits from individuals persons as of December 2011, (million rubles)		Growth of deposits by 2011
		sum	place	sum	place
1.	Sberbank of Russia	10 448 166	1	5 119 744	1	2,04
2.	VTB 24	2 097 565	2	781 842	2	2,68
3.	ALFA BANK	637 325	3	209 231	4	3,05
4.	Gazprombank	630 158	4	233 707	3	2,70
5.	ROSSELKHOZBANK	578 341	5	138 865	7	4,16

The table shows that deposits in Sberbank continue to grow, but the rate of this growth is generally inferior to the rate of other leading banks. Why do depositors, despite the lower interest rates offered on Sberbank deposits, continue to place their savings in this bank? This is simply because nothing has changed dramatically yet and the reasons remain the same:

• Sberbank of Russia has practically no competitors among banks in small cities, towns and regional centers, and in many regional centers too. Sberbank has about 20 thousand branches throughout the country, and no other bank in Russia has such a number of branches throughout the country. He is still a monopolist who plays by his own rules.


• The belief of many people is that the state will not allow this bank to go bankrupt, because its main founder is the Bank of Russia. True, the share of the Central Bank of the Russian Federation in the authorized capital of Sberbank has already decreased to 50% authorized capital plus one voting share.


• The presence of a well-established and long-occupied niche by Sberbank for transferring pensions to savings books and debit pension cards. Some of these transfers Pension Fund deposited in the deposit accounts of bank depositors.


• The power of habit. No matter how much we scold Sberbank, but due to their habit and affection, people of the older generation are sure to open a deposit in Sberbank. Sometimes even at a loss. And insurance of deposits of other Russian banks (up to the amount of 1,400 rubles) does not yet tip the scales in their favor.


• Registration of a savings book for simple deposits, which is stipulated in the agreement bank deposit, and what other banks cannot boast of. The presence of savings books has always had a positive effect on the image of Sberbank among depositors. True, lately, Sberbank has been doing a lot of harm to itself due to titanic efforts to replace savings books with debit cards, literally forcibly imposing bank cards, and this irritates and repels many, because the client should have the right to free choice, not imposed by anyone.

Interest rates and conditions for Sberbank deposits at the beginning of 2017

At the beginning of 2017, Sberbank's interest rates on deposits of individuals changed slightly compared to 2016. Today, Sberbank of Russia offers the population the following deposits, interest rates and basic conditions for which are as follows:

Name of contribution	Deposit rates for all (% per annum)			Investment terms	Minimum deposit amount	Interest accrual period	Peculiarities
	In rubles	in US dollars	In Euro
“Save” deposit	4,60 - 6,40	0,01 - 1,05	0,01 - 0,01	from 1-2 months up to 3 years		monthly	Contribution with amount ranges; not replenished; without partial removal.
Deposit “Replenish”	5.20 - 6,15	0,01 - 0,90	0,01 - 0,01	3 months - 3 years		monthly	With sum ranges; replenished; without removal.
Deposit "Manage"	4.85 - 5,70	0,01 - 0,60	0,01 - 0,01	3 months - 3 years		monthly	With sum ranges; with replenishment and partial withdrawal
“Gift of Life” contribution	6.30	-	-	1 year		once every 3 months	No deposits or partial withdrawals
Savings account	1,50 - 2,30	0,01 - 0,01	0,01 - 0,01	unlimited	Not limited	monthly	deposits and withdrawals are unlimited
Deposit “Save Online”	4,85 - 6,85	0,1 - 1,25	0,01 - 0,01	Individual accurate to the day: 1 month. - 3 years	1,000 rubles / 100 US dollars / 100 euros	monthly	Amount ranges, not replenished, without partial withdrawal
Deposit “Replenish Online”	5,45 - 6,60	0,01 - 1,10	0,01 - 0,01	3 months - 3 years	1,000 rubles / 100 US dollars / 100 euros	monthly	Sum ranges; refillable, no withdrawal
Deposit "Manage Online"	5,10 - 6,15	0,01 - 0,80	0,01 - 0,01	3 months - 3 years	30,000 rubles / 1000 US dollars / 1000 Euros	monthly	Sum range
Deposit "Social"	5,20	-	-	3 years	1 ruble	quarterly	is issued in the name of an orphan child; replenishable, with partial withdrawals
Pension-plus of Sberbank of Russia	3,5	-	-	3 years	1 ruble	quarterly	For crediting pensions; replenishable, with partial withdrawals
Deposit “On demand of Sberbank of Russia” (in 12 currencies)	0,01	0,01	0,01	unlimited	No	quarterly	for payments, non-reducible balance 10 rubles / 5 US dollars / 5 euros / others - equivalent to 5 US dollars
Deposit “Universal of Sberbank of Russia” (in any currency)	0,01	0,01	0,01	5 years	10 rubles / 5 US dollars / 5 euros / others - equivalent to 5 US dollars	quarterly	for calculations
Nominal account for transferring social benefits	3,67	-	-	Indefinitely (valid until the account is closed)	from 0	quarterly	for calculations

Interest rates on Sberbank deposits traditionally remain significantly lower than in other banks and significantly lower than the key rate of the Bank of Russia ( key rate until February 3, 2017 - 10.00%).
In addition, interest on Sberbank ruble deposits has a peculiarity: - rates for a period from 3 months to 1 year are significantly higher than rates for a period from 2 to 3 years.

I would like to believe that Sberbank has begun to move away from the long-standing conservative tradition of deposits from individuals, and its innovations will be appreciated by depositors?! But the deposit rates, which is fundamentally important, have not changed significantly. So, the following has changed for Sberbank of Russia deposits:

• In most of the names of Sberbank deposits, the “standard” and annoying prefix in the form of “Sberbank of Russia” disappeared, and only for 3 deposits the prefix in the name was preserved (for example, “Pension-plus of Sberbank of Russia”).


• For certain types of deposits, Sberbank offers “Individual deposit term, which is necessary for you, accurate to the day.” Interest rates on such deposits are set in amount and time ranges.


• For individual deposits, monthly interest accrual has returned with the possible addition of profit to the deposit after each month from the date of opening, although low rates this income does not give investors anything


• For 3 types of deposits, depositors are offered to make deposits through Sberbank ATMs, these are deposits “Save Online”, “Replenish Online”, “Manage Online”.


• The Sberbank website now provides not only simple deposit rates, but also interest rates taking into account the capitalization of interest. This should, as it were, encourage the investor not to withdraw interest until the end of the investment term under the agreement.

Since 2015, Sberbank has offered depositors a special deposit for children without parental care with a fairly high rate, which is called - Deposit "Social" and has good conditions, namely:

• Refillable
• With partial removal
• WITH minimum amount deposit of 1 ruble
• Account replenishment - both cash and non-cash (unlimited)
• Issued only by a legal representative upon presentation of an act from the guardianship and trusteeship authority establishing guardianship/trusteeship over the child/placement of the child in a specialized social institution