Read more about the deposit happy interest Sberbank. Deposit in Sberbank happy interest Happy interest Sberbank

Are you interested in the “Happy Interest” deposit offered by Sberbank of Russia? Today we will tell you in more detail about the features of this offer and why it is so attractive to investors.

general information

To begin with, we note that the correct name of the contribution is “Happy Year” . This is a promotional program that appeared shortly before the New Year, and it is aimed at generating maximum income. Its validity period is from December 18, 2015 to January 31, 2016.

The deposit is a classic deposit, i.e. It was created only for the accumulation and preservation of money. It does not have the function of replenishing an account or partially withdrawing cash; interest is accrued at the end of the term. If you terminate the contract early, you lose interest.

Additional advantages: you will be able to issue a power of attorney for another person, a savings book, and in addition to this, draw up a testamentary disposition. All these services are completely free.

The client can open this deposit in three options - in Russian or foreign currency. Next we will consider the proposed conditions:

• In rubles - you will need an amount of at least 150 thousand rubles, the proposed rate is from 9 to 10% per annum, the placement period is 9 months;
• In US dollars – you need to deposit an amount of 3000 US dollars, you can choose a placement period of 10 or 18 months. The interest rate can range from 1.8 to 3.1% per year;
• In euros – you will also need a minimum amount of 3,000 euros, and you can also choose a period of 10 or 18 months. The proposed rate varies from 1.3 to 2% per annum.

To calculate your income, use the online calculator:

How to open a deposit?

To open this deposit account, you can choose two methods:

• Through a Sberbank branch

You will need to find the bank office closest to you and go there with your passport. Next, you sign the agreement and deposit the required amount of money into the account;

• Through the Sberbank Online system

If you are already a client of the bank and have registered in the Internet banking system, then you will need to go to your Personal Account and select the “Deposits and Accounts” section. Next, select the “Open a deposit” function, read the terms, select the appropriate program and click the “Continue” button.

After this, you need to fill out an application, which indicates the write-off account, the amount credited and the validity period of the agreement. After this, all you have to do is click the “Open” button and the account will be created.

Is the “Happy Interest” deposit available in 2019? No, applications for it were accepted 2 years ago, and now this proposal is classified as archival. This means that if you previously had an agreement under this program, it can be extended (extended), but if you did not have time to submit an application within the time period specified at the beginning of the article, then it will no longer be possible to open such a deposit.

Deposits in Sberbank include 5 classic options for individuals, 3 types for pensioners, 3 special savings accounts, 3 accounts with the ability to withdraw and replenish, as well as 1 deposit “gift” for a child’s coming of age. Sberbank deposits in 2019 not only are they diverse, but also dictate terms to other banks. This is an interesting fact, and we will look into this too. You can calculate your potential profit on the Sberbank deposit calculator.

But first, a few important introductory paragraphs.

For the older generation: Deposits for pensioners in Sberbank are presented in 3 options: one separate deposit and two special programs in force in addition to a standard deposit.

There is also a deposit opening simulator: Before submitting a real application to open a deposit online, you can practice on the training site. Sber has developed this service specifically for beginners in online banking.

Rate increase: Regardless of the deposit, you can increase the rate by a maximum of 1%.

How to get a higher rate? And what deposit is suitable? just for you? Read below.

What to do if you still have questions: At the end of the article we have placed support contacts. Bank specialists will answer any of your questions.

Sberbank deposits for today

Today, deposits in Sberbank set the trend throughout the market. Why is it important to know about this? To avoid making a mistake in choosing a bank.

In the first half of April 2019, many banks began to reduce rates. First VTB, then Rosselkhozbank and Alfa-Bank, Otkritie Bank also joined the interest reduction marathon.

What was the reason? At the end of March, Sber prematurely suspended the “Catch the Benefit” deposit. It featured high rates - up to 7.65% (if you invest for a year and a half).

As soon as there was no longer a need to compete with this Sber deposit - high interest rates began to collapse like dominoes and other financial institutions.

This was written about in all media, and experts began to predict a further reduction in rates on foreign currency deposits.

Therefore, since the end of March 2019, deposit rates in Sberbank are not the highest in the market - after the cancellation of “Catch the Profit”.

But there's a good chance that trend of tightening nuts for investors will continue, and soon other banks will begin to offer exactly the same conditions.

Because Sberbank is a reference point for others. Let us remember that the bank was founded in 1841. As of January 2019, 70% of residents of the Russian Federation use Sber’s services.

46% of deposits in the Russian Federation are deposits made with Sberbank.

How to increase your bid

There are three options for receiving a higher rate:

• Open online. Given the availability of an online trainer, this will not be difficult;
• Invest from 5 million rubles- in this case your rate is guaranteed to increase by 1%:
• Connect to the Sberbank.Premier service package. In this case, the minimum investment amount is 700,000 rubles.

The easiest option is the first one. Therefore, we will provide current tariffs taking into account opening an account online. Instructions for opening (including in video format) will be in the following sections.

Capitalization

Separately, it is worth focusing on capitalization. It is possible for all Sber deposit accounts, but the choice whether to connect or not is yours.

Capitalization means that the interest accrued on the deposit will be added to the deposit amount, rather than listed on your card, for example.

Capitalization allows you to increase the rate and total income.

In the tables below you will see the main percentages and "gray" interest- the latter are relevant subject to capitalization.

Sberbank: deposits for individuals in 2019

Let's start with 5 “classic” interest-bearing deposits of Sberbank, relevant for individuals in 2019.

Important information for pensioners: Special conditions apply for you in two deposits (“Save” and “Replenish”).

We will describe them in general terms, and you will find more detailed information in the next section.

“Save” deposit

The Sberbank “Save” deposit is a combination of a favorable interest rate and a wide range of investment terms.

• Maximum: 5.75% per annum(when applying online);
• Entry threshold: 1,000 ₽, $100.
• Duration: from a month to 3 years.
• Accrual %: every month;
• Closing early: retained from 2/3 per annum if the account is closed no less than 6 months after opening;
• Early closure for a period of up to 6 months: recalculation at 0.01% per annum;
• Deposit/withdrawal: no.

Important: For pensioners, the maximum rate applies. The amount of the down payment does not matter, only the placement period. The same conditions apply for “Top up”.

For ruble investments
For investments in dollars

Deposit “Top up”

The percentage of this option is lower than that of “Save”, but there is an opportunity replenish an account and thus increase profits. The minimum period has also been increased: from 3 months.

What's the point: You can top up your account and move to the next "ratio range" amount-term, increasing the % accordingly.

Otherwise, the first two Sber deposits very similar:

• Preferential conditions for pensioners(maximum percentage regardless of the amount, only on the duration);
• Maximum: 5,3% (if you open offline, then a maximum of 5.15% per annum);
• You can start with 1,000 ₽ or $100;
• You cannot withdraw the principal amount, but you can replenish it;
• Accrual %: every month;
• In case of early termination after six months: retention of 2/3 per annum;
• Cash replenishment: from 1,000 ₽ or $100;
• Cashless replenishment: no restrictions.

In rubles
In dollars

“Manage” deposit

A distinctive feature of Sberbank’s “managing” deposit is the ability to withdraw money on loyal terms six months later after opening an account (the main thing is to maintain a certain balance in the account).

That is you keep the main interest when withdrawing part of the funds and maintaining the minimum balance.

But this deposit is not only distinguished by its flexibility in withdrawing money. Starting amount here is significantly higher than the previous options: 30,000 ₽/$1,000.

Other conditions:

• Accrual up to 5% per annum;
• Minimum amount: 30,000 ₽ or $1,000;
• Dates: 3 months-3 years;
• Deposit/withdrawal: yes;
• Auto-renewal: yes (without restrictions on the number of contract extensions);
• Top up with cash you need at least 1,000 rubles or 100 dollars, cashless- no limits.

Tariffs in rubles Tariffs in dollars

“Gift of Life” contribution

Sberbank deposit for a year. But the fixed term is not the main feature.

Every 3 months 0.3% per annum from the total amount of your deposit will be transferred to the charitable foundation of the same name - “Gift of Life”.

This is a non-governmental fund created in 2006 to help sick children.

Other conditions:

• Bid 5,65% ;
• Duration: 12 months;
• Starting amount: 10,000 ₽;
• You can open a deposit only in rubles;
• There is no possibility of online registration: only at a Sberbank branch;
• Auto-renewal: yes, without restrictions;
• Deposit/withdrawal: no.

Deposit "Social"

Sberbank deposit for disabled people/WWII veterans and orphans. Since the deposit was created for special investors, starting amount is only one ruble.

It is issued upon presentation of a certificate of a veteran/disabled person of the Great Patriotic War or in the name of the child upon presentation of a special act of the guardianship authority.

Other features:

• Duration: 3 years only;
• Bid: 4.75% per annum;
• Deposit/withdrawal: yes;
• Opening amount: 1 ruble;
• Interest is calculated every quarter;
• There are no restrictions on the replenishment amount (for both cash and non-cash deposits);
• You can only withdraw without losing accrued interest up to a certain amount(set by Sberbank as irreducible).

Sberbank deposits for pensioners today

As we outlined earlier, today Sberbank offers three options accumulation and increase of money.

This is a separate deposit “Pension Plus” and maximum bet condition for “Save” and “Replenish” deposits.

“Save” for pensioners

The basic conditions remain standard: up to 5.75% per annum, investment from 1,000 rubles/$100, for a period from a month to three years, without withdrawal or replenishment.

But at the same time, depending on the starting amount and the selected period, maximum bet.

Current %:

“Top up” for pensioners

Let us recall the main characteristics: up to 5.3% per annum, investment from 1,000 rubles/$100, for a period of three months to three years, without withdrawal, with the possibility of replenishment.

Current %:

“Pension Plus” deposit

New Sberbank deposit for pensioners.

Designed specifically to receive additional income from pension- you can transfer your pension to this account (there are no restrictions on the amount of replenishment) and withdraw money at any time (the minimum balance for the validity of the agreement is only ruble).

In this case, 3.5% will be charged on the balance.

Basic rates:

• Maximum contract period: 3 years;
• Automatic contract renewal: yes;
• Bid: 3.5% per annum;
• Opening only in rubles;
• It is possible to issue a power of attorney or make a testamentary disposition for the account;
• Accrual %: every 3 months;
• Deposit/withdrawal: yes, at any time, without restrictions (the main thing is to leave 1 ruble).

Sberbank deposits for children

The bank is positioning this opportunity as a gift for coming of age.

What's the point: The child will have access to savings upon reaching adulthood. Until then, money will accumulate on the deposit. From the age of 14, a child will be able to replenish the account himself.

To open, you need to contact a Sberbank branch with the child’s birth certificate and documents proving your identity.

You initially need to deposit at least 1,000 ₽ or $100.

Other conditions:

• Maximum percentage: 5.15% per annum;
• Accumulation period: from 3 months to 3 years with automatic renewal of the contract;
• Without the permission of the guardianship and trusteeship authorities, the child won't be able to get the money until adulthood;
• They can replenish the deposit any citizens of the Russian Federation no limits;
• Can open an account parent only or the child's representative as established by law.

Special accounts of Sberbank

Special accounts differ from deposits with a reduced rate and simplified terms for withdrawal and replenishment.

Nominal: for social payments

Enrollment of social payments at 3.5% per annum.

Another rather specific account: at 0.01% per annum, designed for those who participate in competitions and auctions according to government programs.

Savings and current

Designed for everyday use. The conditions for each bank client are individual.

Basic conditions:

• Unlimited deposits and withdrawals;
• Rate from 0.01% to 1.8%;
• No starting amount requirements.

How to open a deposit in Sberbank: online trainer

You can try submitting an application for opening in test mode.

Information from Sber's website

How it works:

• Go to the special Sberbank website - deposits in test mode: trainer.sberbankaktivno.ru;
• Click on the button "Begin";
• Enter “fake” data (absolutely any) to log in allegedly existing Sberbank.Online account;
• Confirm your entry (dial again any numbers);
• Follow the arrows: go to the section "Deposits and accounts" select opening and select the deposit you are interested in;
• Enter your deposit details(amount, term, etc.), confirm the terms of the agreement;
• Hooray! Your fake contribution is open.

The simulator is designed so that a potential investor can practice and make sure that everything is simple.

There is also a video instruction:

Sberbank deposit calculator

Enter the interest on the Sberbank deposit that interests you, as well as the term and amount to calculate potential profit.

Sberbank online deposit calculator - This is a fast and free way to calculate profitability.



Sberbank is the largest financial organization providing services in the country. It is he who most often offers clients the most profitable services, especially when it comes to seasonal deposit offers. In order to take advantage of the most tempting promotions, you should monitor Sberbank deposits for individuals in 2019. “Happy Interest” is recognized as the most profitable deposit today. Even considering that this offer is no longer valid in 2019, it is worth taking a closer look at its conditions, as an example of the most successful investment for a financial company.

What conditions were offered to the investor as part of the investment? First of all, it is worth noting that one of the most profitable investment developments had a very limited period; it was possible to open a deposit account for two periods: 6 and 9 months. At the same time, the terms of the offer limited the possibility of replenishing or premature withdrawal of funds. If the client wanted to return the funds before the end of the period, then the interest for use was accrued not at the high rate indicated within the deposit, but at the small interest rates valid under the “Demand Deposit” offer.

In addition to restrictions on additional investments and withdrawals, there were certain limits regarding the amount of the deposit. The minimum investment amount is one hundred thousand rubles.

At the same time, the “Happy Time” deposit developed by Sberbank of Russia divided investments into two categories: from one hundred to 500 thousand and over five hundred thousand. Based on these categories, interest was calculated and the rate was set.

• The return on investment from 100,000 to 500,000 rubles invested for six months was 9.8% per annum.
• An investment of more than 500 thousand, invested for the same period, gave a profit of 10%.
• If an amount of 100-500 thousand was invested for 9 months, then the interest rate was set at 9.9%.
• A larger deposit for the same period brought an income of 10.1% per annum.

As you can see, the interest rate is actually the most favorable among all the bank’s known offers.

Sberbank deposit “Happy interest” rates for today

Many people wonder what interest rates Sberbank offers on “Happy Interest” deposits today? Let us remind you that at the moment this offer is no longer valid, but you can find other equally profitable investment products on the financial institution’s website.

Products active today.

1. "Save Online." This offer allows you to invest funds for a period from one month to three years at 5.63%. It cannot be topped up or partially cashed out.
2. Product "Refill Online". This product is available for replenishment, its yield is 3.95-5.12% per annum. Partial withdrawal of funds is not possible.
3. "Manage Online". Allows you to replenish or partially use invested funds. Investment period from 3 months to 3 years. Interest rate 4.82%.
4. Gift a life. Annual investment without the possibility of withdrawal or replenishment in the amount of 10 thousand rubles. The yield is 5% per annum, with 0.3% going to a charitable foundation.
5. A savings account that allows you to use funds without restrictions. Both withdrawals and deposits are allowed. The amount also has no restrictions. The rate is 1.5-2.3%.

As can be seen from the examples given, to date, not a single offer has such a level of profitability.

In order to make an investment contribution, you must visit a bank branch; for current clients of a financial institution, opening of some types of products is available remotely through Sberbank Online.

Documents and requirements for the client

Unlike credit products, opening an investment account does not require special conditions and requirements regarding certificates and documents. At the same time, not only a citizen of Russia, but also a resident of another state can open a deposit account in a bank; in this case, the potential client will have to provide a document confirming the legal origin of the money.

In standard terms of registration, the client must provide the following list of documents:

• a document to confirm your identity, in this case it is a passport;
• application for opening an account and making a deposit;

The list of papers is minimal. At the same time, the requirements for the person making the investment are also minimal. A citizen who has reached the age of 14 and has a passport can apply to open and register an investment. At the same time, you can open an investment account for a child under the specified age; in this case, the process takes place with the participation of the child’s legal representative.

All of the above examples of products in effect today have standard terms and conditions.

Those wishing to apply for a more profitable deposit from among seasonal offers can be recommended to regularly view updates on the official website of Sberbank so as not to miss out on profitable promotions, which are usually made for a short period of time.

“Happy Year” deposit in Sberbank for 2019 - interest rate calculator and conditions for pensioners

The Sberbank contribution “Happy Year” for individuals in 2019 is no longer relevant and has been archived. From this article you can find out when this seasonal deposit was valid and what conditions were offered for it.

Pensioners are one of the vulnerable categories of the population. It is not surprising that the country's largest consumer bank regularly presents favorable rates and promotions for this target audience. Pensioners are offered reduced loan rates and special banking products. The advertisement for the “Happy Year” deposit was aimed specifically at this age group, but every bank client could use it.

The most important condition for the investment is that it could only be made from mid-December 2015 to the end of January 2016, and the deposit with interest accrual could be withdrawn after 9 months for a ruble deposit, 10 or 18 for a foreign currency deposit. Additional investments could not be made during this period; there was no capitalization of interest. The main advantage was the high interest rates on this type of deposit compared to other deposits.

Will a similar product be launched in 2019? It’s impossible to say in advance, but usually the bank offers New Year’s promotions. Assuming that we see the “Happy Year” 2019 deposit in Sberbank again, we will not know when the deposit period begins and ends until the conditions are officially announced. Profitability is also unknown, but it can be assumed that it will become lower. Unfortunately, interest rates on deposits have been gradually decreasing for all financial institutions since 2015; 2019 was no exception.

Deposit interest rates for 2019

The “Happy Year” deposit offered the following rates for individuals:

	9 months	10 months	18 months
Rubles
150.000-1.000.000	9%
1.000.000-1.000.0000	9,5%
10.000.000+	10%
Dollars
3.000-60.000		1,8%	2,1%
60.000-3.000.000		2,3%	2,7%
3.000.000+		2,6%	3,1%
Euro
3.000-60.000		1,3%	1,6%
60.000-3.000.000		1,5%	1,8%
3.000.000+		1,7%	2%

The ruble version of the deposit traditionally brought the greatest profitability, investments in American dollars came in second place in terms of profitability, the European currency acted as an outsider.

During its appearance, Sberbank’s new seasonal deposit “Happy Year” was one of its best offers. Today the profitability is not so high. For example, here is the profitability of the ruble deposit “Save Online”:

• A minimum investment of 1,000 rubles will allow you to receive from 3.8 to 4.05 percent per annum, depending on the duration of the deposit.
• Depositing from 100 to 400 thousand rubles will increase the rate to 3.95-4.2 percent.
• The maximum option (over 400 thousand) will give 4.1-4.35% income.

Deposit calculator for calculating profitability. Where to find and how to use

To find out the exact amount of income you should expect, use the calculator. You can find it in any search engine by simply typing “Sberbank deposit calculator”.

An example of an Internet application that performs this function is located at https://www.sravni.ru/bank/sberbank-rossii/vklady/kalkuljator. Even if you did not manage to open the “Happy Year” deposit in Sberbank, for 2019 the calculator will calculate the profitability of any of the current offers.

Let's figure out how to use it in practice:

1. We enter the initial amount. For example, let's take 1 million rubles.
2. In some calculators you need to indicate when the deposit begins and ends, but here it is enough to indicate the full term of the deposit by selecting it from the drop-down menu. Let it be the standard 9 months for a “Happy Year”.
3. Monthly replenishment. The amount you plan to contribute additionally, if conditions allow it. No replenishment was provided for this product, so we leave the number 0 there.
4. Interest on deposit. For amounts over 1 million, the yield was 9.5%.
5. Capitalization. If the deposit amount increases monthly taking into account accrued interest, check the box. In this case it is not needed.

Now we click the “Calculate” button and see: having made a “Happy Year” deposit in the amount of 1 million rubles, we would withdraw 1,071,836 rubles from the deposit at the end of its term. In order not to miss similar profitable offers, visit the Sberbank website more often and subscribe to its news on social networks!

You can open a “Happy Year” deposit in Sberbank with an interest rate of 9% per annum and higher. Its conditions are much more favorable than similar products. Investments are available in rubles and foreign currency, the terms are the shortest. In conditions of the financial crisis, such a promotion is in great demand, as it allows you to make a good profit in a short time.

Sberbank deposit Happy Year: 9 annual rate for everyone

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Sberbank is a rather conservative bank. It provides a large number of guarantees and many financial instruments for making a profit, in addition to deposits, for example, mutual funds, access to the stock exchange, endowment life insurance, etc.

However, deposit rates compared to other, less conservative banks are quite low - no more than 7-8%.

Therefore, in 2018, the conditions for the Happy Year deposit in Sberbank aroused genuine interest among individual clients, including pensioners.

Compared to other Sberbank deposits for individuals in 2018, “Happy Year” is the most profitable due to high interest rates. This can be seen from the table:

Amount and currency	9 months	10 months	18 months
150 thousand – 1 million rubles	9,0%	–	–
1 million – 10 million rubles	9,5%	–	–
From 10 million rubles	10,0%	–	–
3 thousand – 60 thousand US dollars	–	1,8%	2,1%
60 thousand – 3 million US dollars	–	2,3%	2,7%
From 3 million US dollars	–	2,6%	3,1%
3 thousand – 60 thousand euros	–	1,3%	1,6%
60 thousand – 3 million euros	–	1,5%	1,8%
From 3 million euros	–	1,7%	2,0%

Exactly how much profit you will get from the “Happy Year” deposit of Sberbank of Russia can be calculated using a special calculator.

The remaining conditions are:

• fixed period - indicated in the table;
• minimum amounts are also indicated in the table;
• You cannot withdraw money or top up your account;
• interest is credited after the expiration of the deposit term, they can be transferred to a card or a separate savings account;
• the client can open as many different deposits as he likes under the same conditions.

In case of early withdrawal of funds, interest is calculated based on the standard entry rate “On demand” (0.01%).

Automatic prolongation (extension) is also provided:

• during the program – according to the previous conditions;
• after completion - according to the terms of the deposit “On demand”.

The client can use additional options:

• issue a power of attorney to withdraw funds from the account (including early withdrawal);
• get a passbook;
• leave a testamentary disposition (in this case it will be easier for the heirs to receive the deposit funds).

Happy Year 2018 deposit in Sberbank: opening conditions

Individuals can open the “Happy Year” 2018 deposit in Sberbank in two ways: in person and remotely.

If a client wants to open a deposit personally, then for this he needs:

• go to any bank branch with your passport;
• inform the operator about your desire to open a deposit;
• read and sign the agreement on opening a deposit;
• Deposit the required amount into your account in cash or from a card via an ATM.

For the Happy Year deposit opened remotely in Sberbank, the conditions are the same. Opening it is much easier, for this you need:

• gain access to Sberbank Online;
• log in to the online banking system (to your personal account using the data received in the check)
• select the “Deposits and Accounts” section, “Opening a Deposit” subsection;
• get acquainted with all the products offered and choose the one you need;
• select the account from which the funds will be debited, the amount and period;