Sberbank deposits of individuals today. How to save and increase your money: Sberbank and its deposits for individuals. Sberbank deposits “Special Save”: increased interest

For objective reasons, deposits with Sberbank are considered the most reliable in Russia. This is partly due to the special status of the bank, because it occupies the largest share in the consumer market and is among the systemically important ones. But we must not forget about the role of the state, which is the main shareholder of the bank and in the event of a crisis will provide it with direct support.

In terms of their main characteristics, Sberbank’s offers are not as profitable as those of other Russian banks, so a potential client must immediately decide what he wants to receive from a credit institution - high interest or moderate income with maximum reliability.

Sberbank traditionally focuses on the following categories of depositors: civil servants, pensioners, students and large investors who cannot afford to keep money in unreliable banks, because in 2019 the DIA still guaranteed the safety of only 1.4 million for individual deposits separately taken from the credit institution.

"Save"

In 2019, Sberbank set interest rates on deposits for individuals below the market average, but as already noted, the offers of this bank have other advantages. One of the most comfortable programs can still be considered an offer called “Save”. Let's list the conditions:

• Deposits are allowed to be opened from 1000 rubles. (or from $100);
• top-ups and expenses are prohibited;
• The period for which it is allowed to place a deposit is from 1 month. up to 3 years.

The rate depends on several factors, namely:

• term of the contract (the longer, the higher the interest);
• capitalization;
• opening method - in the branch or remotely (the latter option is 0.15% more profitable);
• social status - for pensioners, Sberbank removes the link between interest and the amount of the deposit.

The table above shows standard ruble rates that apply to all clients who decide to open a deposit remotely. What's interesting here:

• the investor receives the maximum benefit when depositing 400 thousand rubles. for a period exceeding 1 year (important - the period must be longer than 12 months, for example, 13 months);
• the longer the contract is valid, the higher the interest;
• monthly capitalization allows you to slightly increase profits.

In principle, such conditions for ruble deposits are quite comfortable, but the rates for dollar deposits “Save” at Sberbank leave much to be desired. They are presented in the following table.

Let us recall that in 2019, large Russian banks offer to place dollars on deposit at an average interest rate of 3%.

As for pensioners, for citizens of the appropriate age (women and men over 55 and 60 years old, respectively), Sberbank does not impose additional conditions on the size of the deposit. Simply put, they are offered maximum interest, which depends only on the duration of the contract.

Other options for the “Save” deposit:

• interest is credited monthly;
• they can be capitalized or transferred to another account;
• in case of early termination of the agreement, the amount of interest will depend on the time during which the deposit was in the bank.

"Replenish"

This offer, in its specifics, is very similar to the previous one, but it has an important feature - in this case, Sberbank allows you to replenish the deposit at any time, but at the same time charges interest at a reduced rate. It cannot be said that the difference is so significant, but the client loses 0.3–0.6% of the benefit.

The mentioned rate adjustment is especially noticeable on Sberbank dollar deposits, which themselves do not have high interest rates. Here, a loss of even 0.3% leads to a significant decrease in profit on the deposit.

The remaining conditions of the “Replenish” deposit are standard and quite comfortable:

• You can open it for a period of 3 months. up to 3 years;
• the minimum initial amount is 1000 rubles. or $100;
• further replenishments can be transferred both in cash and by non-cash means;
• expense transactions are prohibited (only accrued interest can be withdrawn);
• for pensioners the rate is not tied to the amount;
• If the contract is terminated before the due date, the following rules apply:

The maximum amount is determined as follows: first, the amount that was on the deposit on the day of its opening or extension (starting) is taken, after which this value is multiplied by 10 times. Let's assume that an individual opened a deposit and deposited 200 thousand rubles into it. This means that the maximum amount will be 2 million, i.e. If a person begins to deposit additional funds into the deposit, then when he reaches 2 million, the rate on the “excessive” share will decrease.

Simply put, the maximum amount is not a strict limitation, but a kind of bar that divides the deposit into two parts - the base one and the one with a reduced rate. It should also be noted that for deposits with an initial payment of up to 100 thousand rubles, $5 thousand and €5 thousand, this limit is 1 million rubles, $50 thousand and €50 thousand, respectively.

"Manage"

Sberbank’s offer, called “Manage,” has its own characteristics. Firstly, for this deposit there is no direct relationship between interest and the duration of the agreement. In particular, the bank gives the most favorable rates on deposits opened for a period of 6 to 12 months.

And, secondly, the terms of this deposit provide for the possibility of carrying out debit transactions without loss of interest (rate reduction). For this rule to apply, the amount on deposit must exceed the minimum balance.

Terms of the “Manage” deposit:

• It is allowed to open it for a period of 3 months. up to 3 years;
• the minimum initial amount is 30,000 rubles. or $1000;
• if after additional contributions the deposit amount reaches the next level of the minimum balance (remember, these are 100 thousand, 400 thousand, 700 thousand and 2 million rubles), the rate increases;
• In case of early termination, the same rules apply as when opening a “Top up” deposit.

Sberbank special deposit for elderly people

The most favorable conditions for pensioners at Sberbank are provided by the “Save” and “Replenish” deposits, but they have one drawback - the person must deposit money into the accounts himself and monitor the expiration dates of the agreements. In addition, in some cases, when withdrawing money from a regular deposit early, the rate is significantly reduced, which is unacceptable for older people.

For this reason, Sberbank offers pensioners a special “Pension-plus” deposit with a simplified model. Here are its main conditions:

• minimum balance – 1 rub.;
• rate 3.5%;
• interest is accrued every 3 months;
• deposit term – 3 years (extension available);
• funds can be withdrawn at any time without debiting accrued interest;
• and the most important rule: the Pension Plus deposit is available only to those Sberbank clients who receive pensions from state and non-state funds through it.

Thus, a pensioner who decides to take advantage of this offer does not limit himself in any way in his financial possibilities, while the bank will charge interest on the balance, the amount of which is lower than on standard deposits, but significantly higher than the rates on demand deposits (0.01%) or through savings accounts (1.8%).

Gift for coming of age – deposit “In the name of the child”

In Western countries, people have long realized that the future of children needs to be taken care of “right now.” For this reason, special long-term “children’s” deposits have become widespread, into which parents periodically deposit small amounts, as a result of which a decent amount of capital is formed in the account by the time their son or daughter reaches adulthood.

Sberbank borrowed this very good idea and offered clients a deposit “In the name of the child.” In principle, we have just described the essence of this investment model, so we will not repeat its description and will immediately move on to the conditions. In 2019, the bank offers to open such a deposit at the following rates.

Other conditions of the deposit “In the name of the child”:

• since the deposit is opened for a minor, only a legal representative (parent, guardian) can do this;
• minimum starting amount – 1000 rubles/$100;
• Not only parents, but also any citizens of the Russian Federation, for example, grandmother, uncle, sponsor, etc., can replenish the deposit;
• from the age of 14, the child receives partial access to the account - will be able to withdraw interest;
• If before the child reaches adulthood it is necessary to withdraw and spend money on other needs, permission from the guardianship authority will be required.

Let's see how it works. Suppose a client opened a deposit in Sberbank for his son a year after his birth. The initial contribution is 1000 rubles, subsequent monthly replenishments are also 1000 rubles. The contract period is 1 year (renewed annually). If a child does not withdraw interest from the age of 14, the dynamics of his account will look something like this:

Why “approximately” - when the deposit is renewed, the rate will actually change. This adjustment can be made either up or down, so preliminary calculations are only indicative.

In 2019, out of all Sberbank’s offers, two promotions stood out: “Catch the Profit” and “Gift of Life.” The first type of deposit can be opened only until March 31, but it has high interest rates. As explained by the bank itself, this campaign was launched in connection with the rate increase by the Central Bank, therefore, if the Central Bank continues to tighten policy, it is possible that Sberbank will also delight clients with profitable deposits in the future.

Deposit terms:

• amount from 50 thousand rubles. (without restrictions on the upper limit);
• replenishments and partial debits are not available;
• interest depends on the term of the deposit;
• In case of early full withdrawal of funds, the rate is reduced to 0.01%.

Another contribution called “Gift of Life” does not have high stakes, but it is not intended for enrichment, since its main task is to help sick children. It provides for the following conditions:

• rate in 2019 – 5.65% (5.77% with capitalization);
• term – one year;
• no replenishments or partial write-offs;
• the minimum deposit amount is 10 thousand rubles;
• Sberbank will transfer an amount equivalent to 0.3% per annum to charity every quarter.

If a person has 700 thousand rubles. or $50 thousand, he receives the right to open a deposit with Sberbank with an increased rate (+0.8% to the base rate for “Save”, “Replenish”, “Manage” deposits). This option is included in the Sberbank-First package, which is provided free of charge for the first 2 months, and then costs 2,500 rubles/month if none of the conditions are met:

• account balance is at least 2.5 million rubles;
• the balance is not less than 1.5 million rubles, and the amount of purchases is not less than 100 thousand rubles;
• the amount of purchases on cards is at least 200 thousand rubles.

Another offer from Sberbank from the premium segment is aimed at clients who are ready to deposit 5 million rubles. and more. As part of this program, the bank increases the rate by 1% relative to the base rate on the corresponding deposit. The first 2 months of the package are provided free of charge, in the future its cost will be 10,000 rubles/month if the balance on accounts and cards is less than 15/10 million rubles for Moscow/other regions, respectively.

Let us repeat what we noted at the very beginning of the review - Sberbank deposit rates are not the highest even for its segment (top banks), but this credit institution has another advantage - maximum reliability. To put it simply, in the event of a serious crisis, the bank will freeze client accounts last, and this is exactly the condition that is required by holders of amounts exceeding insurance from the DIA.

Social accounts

In addition to regular deposits, into which funds are deposited by the client himself, Sberbank offers special accounts intended for receiving social payments. It cannot be said that they have much in common with conventional deposits, but there are still certain similar features between them.

Social

Designed to receive payments due to orphans and WWII veterans/disabled people. In this case, exactly the same model applies as with the “Pension-plus” deposit. You can easily verify this by looking at the conditions:

• deposit currency – rubles;
• rate - 4.75% (not the highest even for Sberbank);
• deposit term - 3 years;
• deposits and withdrawals are available;
• minimum balance - 1 ruble;
• Interest is calculated once every 3 months.

Nominal

And another account of a similar plan is nominal for crediting social payments, which include all the concepts from Chapter 37 of the Civil Code of the Russian Federation, for example, alimony, benefits, etc. The main purpose of this deposit is to make calculations as transparent as possible and at the same time receive additional interest for cooperation with Sberbank.

Deposit terms:

• deposit currency – rubles;
• rate - 3.55%;
• deposit term - unlimited;
• replenishments – only receipts of a social nature are allowed (you cannot deposit money yourself);
• expense transactions are allowed;
• minimum balance - 0 rubles;
• interest is credited quarterly;
• For a nominal account, you can issue a power of attorney to another person.

Algorithm for opening a deposit

There are two options for opening a deposit - in person in the office and remotely via the Internet. In the first case, you need to visit the nearest Sberbank branch and contact the manager, expressing your desire to place a deposit with the bank. A specialist will advise on all issues and name current interest rates.

If an individual has already registered a personal account on the bank’s website, then they can apply for a deposit directly through a smartphone or computer. There is even a special video instruction on how to open a deposit in Sberbank online, prepared by the organization’s specialists.

In contact with

Despite the fact that Sberbank offers its clients a small range of deposits in 2016, here you can easily find exactly the deposit that is best suited. The maximum interest rate is 10% per annum. There are programs that provide for partial withdrawal, replenishment, as well as monthly capitalization.

"Save" program

Each client who has chosen this program can choose capitalization or refuse it. In the first case, the maximum interest rate will be 9.07% per annum, and in the second, 8.05%.

Based on the name of this deposit, funds are deposited for a certain period and nothing can be done with them. Partial withdrawals and deposits are not provided. The term of the deposit varies. The minimum period is 1 month, and the maximum is 3 years. It is possible to open an account in rubles, dollars and euros. If an account is opened in dollars, the interest rate will be 2.22%, and in euros 1.17%. To open a “Save” deposit you need 1000 rubles or 100 dollars/euro.

Closing a deposit early is extremely unprofitable. In this case, Sberbank pays 0.01% per annum if the funds have been in the account for less than 6 months and 2/3 of the interest provided if the money has been in the account for more than 6 months.

Special conditions are provided to pensioners. Thus, in standard cases, the maximum rate is provided when depositing more than 700 thousand rubles, and for pensioners it is assigned automatically, regardless of the amount deposited.

When depositing from 1,000 to 100,000 rubles for one year, able-bodied citizens are provided with an interest rate of 7.55% without capitalization and 7.82% with capitalization. If you deposit 2 million rubles or more, you can receive 8.05% or 8.35%, respectively.

Automatic renewal is provided.

"Manage" program

This program is ideal for clients who intend to withdraw and deposit funds into their account during the entire term of the contract. However, withdrawals are possible up to the non-reducible balance. The maximum interest rate is 7.31% with capitalization and 7.2% if interest is paid monthly into a separate account.

The “Manage” deposit can be opened for a period from 3 months to 3 years. The minimum amount is 30 thousand rubles, 100 dollars or 100 euros. You can top up from 1000 rubles or a similar amount in foreign currency.

It is most profitable to open an account for a period of 6 to 12 months, since in this case the maximum interest rate is provided. So, if you deposit 2 million rubles for a given period, you can get 7.2% without taking into account capitalization or 7.31% with its use.

It is important to understand that pensioners are always entitled to the maximum interest rate, regardless of the amount. Automatic renewal is provided. The interest rate may change to the one that will be in effect at the bank at the time of extension of the deposit term.

Replenish program

This deposit only allows you to deposit funds into your account, without the possibility of partial withdrawal. To open this deposit, 1 thousand rubles or 100 euros/dollars are required. The deposit period is from 3 months to 3 years. The maximum yield is 8.07% per annum. Pensioners are automatically accrued the maximum percentage. Efficient citizens must invest at least 2 million rubles for up to 12 months to receive the most favorable conditions.

If capitalization is not required, interest is paid monthly into a separate bank account.

"Happy Year" program

This deposit provides the highest return: up to 10% per annum, but for this you need to invest at least 10 million rubles. The minimum amount for opening a deposit is 150 thousand rubles. When opening an account in national currency, the minimum contract period will be 9 months, and when opening in dollars or euros, 10 months. Partial withdrawals or deposits are not provided.

“Gift of Life” program

With this deposit you can get up to 8.35% per annum. At the same time, 0.3% per annum is transferred quarterly to the charity fund. You cannot deposit or withdraw money during the contract period. The minimum amount to open an account is 10 thousand rubles for a period of 12 months.

Deposit "Multicurrency"

Based on the name, you can understand that it involves opening an account in several currencies, namely rubles, dollars and euros. The rate is only 6.88%, 1.78% and 0.91% respectively. To open you need 5 rubles/dollars/euros. The minimum deposit period is 1 year, and the maximum is 2 years. Partial withdrawals are not provided, but replenishment is possible. Capitalization is carried out quarterly.

Deposit "Pension Plus" - deposits for pensioners

This deposit offers only 3.55% per annum to its clients, but it can be opened for a period of 3 years. Minimum amount 1 ruble. Unlimited replenishment and withdrawal up to a non-reducible balance is provided.

This is the entire line of Sberbank deposits in 2016. Despite the low interest rate, it fully meets most customer requirements. At the same time, there is a full guarantee of receiving your funds at the end of the contract term.

Sberbank is the most popular credit institution among ordinary people. The organization does not provide the most favorable conditions on the market for investors. The operations of creating an account and withdrawing funds can be very complicated.

However, a foreign currency deposit for individuals in Sberbank in 2019 is the safest way to save money from inflation and increase savings. Experts say that Sberbank is very similar to Swiss banks.

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The lending institution charges minimal interest on deposits, but service fees may apply. However, the client can be sure that nothing will happen to his funds.

Deposits with Sberbank are subject to compulsory insurance. The company strives to increase interest rates and improve the attractiveness of conditions for customers.

General overview of offers

Sberbank offers clients to become the owner of an account that will be opened in foreign currency. Investment conditions depend on the size of the deposit and the period for which the amount is placed.

Sberbank offers depositors a choice of 6 types of service packages, which can be opened during a direct visit to a branch of a credit institution, and 3 types of accounts that can be opened online by visiting the company’s official website.

The interest rates offered by the institution are not high. However, this is compensated by the high reliability of the company. In addition, the owner of the funds can receive income from the difference between exchange rates.

Multicurrency

Today, the “Multicurrency” deposit can be opened in 1 of 3 currencies. However, keep in mind that the interest rate can vary significantly depending on the type of account. So, if the owner of a deposit opens it in euros, then he can count on 0.01-0.05% per annum.

The deposit in dollars is charged from 0.01 to 0.91%, and in rubles - from 0.01 to 5.61%. The minimum amount is the same for all types of currencies – 5 units of cash. The deposit can be opened on 12 or 24 months.

The user must remember that it will not be possible to withdraw part of the funds before the expiration of the contract. Regardless of the chosen currency, the account can be replenished. Minimum investment amounts vary.

Its value must be at least:

• 1 000 rubles;
• 100 dollars;
• 100 Euro.

There are no restrictions on the amount of replenishment if the operation is performed online.

A deposit can be opened in 3 currencies at once, but for this it is necessary to deposit the same number of units of funds into each account

International

“International” is a package of services that is unusual for the average person.

It can be opened in:

• Swiss francs;
• pounds sterling;
• Japanese yen.

The interest rate depends on the currency in which the account will be opened. For francs it cannot exceed 0,01% . The bank is more loyal to owners of other currencies. Thus, yen can be charged up to 0,55% , and for pounds - up to 1,75% .

You can deposit funds for a period of time from 1 to 36 months. When choosing the duration of storage, the owner of the money must remember that it will not be possible to make a partial withdrawal before the end of the contract.

The amount of money you need to deposit into your account to open it varies depending on the type of currency you choose. Thus, an owner planning to open an account in yen will have to invest 1 000 000 , in pounds – 10 000 , in francs – 10 000 .

Save

The “Save” deposit can be opened for a period from 1 month to 3 years. The interest rate depends on the selected currency type.

Rubles can be credited up to 6,91 , in euro – up to 0,30 , for dollars – up to 1,38 . The minimum opening amount also depends on the currency.

It amounts to:

• for rubles – 1 000 ;
• for dollars – 100 ;
• for euro – 100 .

When choosing a package, the user must be prepared in advance for the fact that it will not be possible to withdraw part of the funds or deposit an additional amount into the account. For this reason, it is necessary to prepare in advance the full capital that the user wants to deposit in the bank.

Replenish

The deposit can be opened at 91-1100 days. The type of currency chosen affects the interest rate. So, for rubles it is from 5.68 to 6.59, for euro - from 0.01 to 0.20, for dollars - from 0.01 to 1.17.

To open an account, you will need to invest:

• for rubles – 1 000 ;
• for dollars – 100 ;
• for euro – 100 .

During the term of the agreement, you can top up your account, but you will not be able to get the money back.

Manage

The deposit can be opened for a period from 3 months to 3 years. The amount of interest that can be earned on a sum of money depends on the currency in which the account will be opened. So, for rubles it is from 4.81 to 6.13, for euro - from 0.01 to 0.05, for dollars - about t 0.01 to 0.86.

The minimum amount to open an account is:

• for rubles – 30 000 ;
• for dollars – 1 000 ;
• for euro – 1 000 .

The bank allows the owner who has chosen a tariff plan to deposit additional funds into the account and withdraw some funds if they are urgently needed.

Savings

The account does not have a validity period. It can function until the owner decides to close it. The interest rate varies depending on the type of currency and the length of time the funds are held.

If a client invests rubles, he will be credited 1.5 to 2.3 percent, and if dollars and euros – from 0.01 to 0.1.

The owner can deposit any amount into the account to open it. The tariff implies replenishment during the entire period of operation and withdrawal of any amount.

Online deposit variations

Save Online

You can open an account and top it up online.

Information about the tariff interest rate can be found by examining the table below:

Sum	Currency
	Rubles			Dollars			Euro
	Term
	1-2 months	6-12 months	36 months	1-2 months	6-12 months	36 months	1-2 months	6-12 months	36 months
More than 1000	5, 3%	6, 4%	6%	0, 01%	0, 5%	1, 2%	0, 01%	0, 01%	0, 2%
More than 10000	5, 3%	6, 4%	6%	0, 01%	0, 7%	1, 4%	0, 01%	0, 01%	0, 3%
More than 100000	5, 6%	6, 7%	6, 2%	0, 01%	0, 9%	1, 6%	0, 01%	0, 01%	0, 4%

To familiarize yourself with the terms of the service package, you need to study the information about the “Save” tariff.

RechargeOnline

The deposit can be opened online.

Information on possible interest income is provided in the table below:

Sum	Cash
	Rubles				Dollars				Euro
	Duration
	Up to 2 months	From 6 months to 1 year	3 years	Up to 2 months		From 6 months to 1 year	3 years	Up to 2 months		From 6 months to 1 year	3 years
From 10000	—	—	—	0, 1%		0, 5%	0, 9%	0, 01%		0, 05%	0, 01%
From 30000	5, 5%	5, 7%	4, 7%	0, 2%		0, 7%	1, 1%	0, 01%		0, 15%	0, 1%
From 100000	5, 8%	6%	4, 9%	0, 2%		0, 7%	1, 1%	0, 01%		0, 15%	0, 1%

The conditions under which the client will be serviced copy the requirements of the “Top up” tariff plan, to open an account for which you need to visit a company branch.

Manage Online

You can become a deposit owner by visiting the bank’s official website on the Internet. By studying the table below, the user will be able to select the appropriate interest rate and the period for which the money must be deposited to receive the desired income.

Amount of money invested	Selected currency
	Ruble account			Dollar account			Account in euros
	Deposit period
	31-62 days	181-365 days	1100 days	31-62 days	181-365 days	1100 days	31-62 days	181-365 days	1100 days
From 1000	5, 8%	6, 2%	5, 6%	0, 01%	0, 4%	1%	0, 01%	0, 01%	0, 1%
From 10000	5, 8%	6, 2%	5, 6%	0, 2%	0, 65%	1, 2%	0, 01%	0, 01%	0, 2%
From 100000	6, 1%	6, 5%	5, 8%	0, 3%	0, 8%	1, 4%	0, 01%	0, 01%	0, 3%

To find out the terms of service, the user must study the “Manage” tariff plan, information about which is located above.

The client can open an account both in Russian rubles and become the owner of a deposit in any foreign currency, transactions with which Sberbank allows

FAQ

How to open an account

To become the owner of the account and deposit the deposit amount into it, the user must:

• Visit the nearest branch of a credit institution or go to the bank’s official website. Then you need to select a suitable tariff plan and the period for which the user is ready to transfer money to the institution. The most favorable interest rates are accrued on deposits from 1 to 3 years.
• Provide the required package of documents. To open a deposit, you only need a passport or other document containing a photograph and information about the citizen.
• Sign the agreement and transfer the funds to the bank. In the paper, you can indicate in advance the people who will inherit the funds contributed.

The user can give the ability to manage capital to another person. However, in this case you will need to issue a power of attorney.

The bank offers holders of foreign currency deposits to take advantage of a special offer. A user who deposits funds in one currency will be able to receive them in another. However, if he wants to re-invest the converted funds, the interest on the deposit may be reduced.

What is the benefit

The largest Russian financial institution, Sberbank, was created in the 19th century by Emperor Nicholas I. At the moment, the institute covers more than 1/4 of the state's banking system. It occupies a leading position in the total number of deposits of individuals.

According to the information provided on the activities of the banking institution, time deposits and other programs amount to about 23 trillion rubles. A large banking organization took first place in the safety and security of deposit accounts.

Let's look at the interest rates on deposits in Sberbank in 2016 today?

Sberbank deposits for Russian citizens

According to this information, each person can choose their preferred deposit option. Funds can be invested in any of 3 bank accounts. What is the interest rate on deposits in Sberbank in 2016 today?

Savings funds for citizens

Russian citizens can invest financial resources in both domestic and foreign currencies, based on their own preferences. American dollars or pounds sterling, euros, yen...

Bank interest depends on the initial deposit and deposit account. Programs for replenishment in dollars and euros are carried out for all deposit accounts.

For a more detailed analysis, it is necessary to examine deposit accounts:

“Multi-currency deposit”;

"Happy year";

"Save";

“Replenish.”

The most profitable deposit program in domestic currency is offered by: “Happy Interest” and “Savings Certificate”. These programs offer high rates for each depositor.

Savings certificate

It is an official document that contains information about an individual's deposit. Upon expiration of the cash account placement, the owner must present this document and receive the funds along with accrued interest. The certificate is issued in the name of the owner or his authorized representative.

Sberbank – general deposit rates

Here you should analyze the more popular deposit programs. One of the first is the “Save” deposit, which allows the client to place funds for a period of up to 3 years. Each investor must independently choose the monetary currency and capitalization. If we talk about interest rates, then it is worth noting the currency in which funds are stored. For example, for the domestic currency the interest rate is 6.7% -9.5%, the dollar 0.3% -3.4% and the euro 0.12% -2.4%. This type of deposit does not have the possibility of additional deposit of financial resources.

Also here, it is impossible to partially withdraw and receive interest on the total amount of money. To register a deposit, the initial contribution must be 1500 rubles or 140 euros, 150 dollars. The total rate for the deposit program is calculated every month. The depositor has every right to partially withdraw the accumulated funds from the original amount. If you wish, you can terminate the agreement under this deposit program. For people of retirement age, a deposit program that is independent of the amount of the down payment would be a more attractive option. Also, clients of retirement age can issue a power of attorney to a person or make a will to receive funds.

Another way to increase cash profits can be the “Manage” deposit. This program is much more mobile due to the possibility of regular deposits and withdrawals of funds. Moreover, the main advantage of the deposit is that the accumulated interest is not lost during financial actions and transactions with money. However, the client primarily looks at the total deposit rate. The lower the rate level, the less attractive the deposit. In this situation, the deposit rate depends entirely on the monetary currency. What are the interest rates on deposits in Sberbank in 2016 today?

For the ruble the percentage is 6.5% -8.02%, euro 0.7% -2.2%, dollar 1.2% -3.1%. As a result, the client chooses a more suitable currency and manages it during the validity period of the bank account. The validity period of the cash account is up to 3 years. If we are talking about the amount of money, then here it varies from 30,000 rubles and 1,030 euros, 1,050 dollars. The contract registration procedure is completed quite quickly. The depositor must contact a Sberbank branch and enter into an agreement to open a deposit account. If necessary, the contract can be terminated.

What are the interest rates on foreign currency deposits in Sberbank in 2016 today? The “Top up” deposit is quite popular among many Sberbank clients. This account provides a higher deposit rate. In domestic currency it ranges from 7.5% to 9.2%, 1.2%-3.4% in dollars and 0.76%-2.34% in euros. The deposit has the possibility of regular contributions, but there is no partial withdrawal of accumulated interest. To draw up an agreement to open a deposit account, at least 1,100 rubles or 103 euros and dollars are deposited.

The savings period for savings funds is limited to 3 years. The deposit rate is calculated monthly. The depositor can withdraw the accumulated money within a month. However, this program has higher conditions for clients of retirement age. Regardless of the initial deposit, their deposit will be matched with the most favorable rate.

Each of the deposits has a number of specific advantages for certain categories of citizens. Separately, it should be noted that it is possible to open a deposit account online with Sberbank. Thus, the client can save time and increase his own capital.

Even despite the difficult economic situation in the country, the main bank of Russia plans to increase rates on deposit programs in the near future. Experts recommend analyzing the general situation in the state. Only after this, you can focus on choosing one or another deposit program.

These are the interest rates on deposits in Sberbank in 2016 today!

Sberbank of Russia has developed for 2016 a line of excellent deposits for individuals, the maximum interest is up to 10.00% per annum.

Of course, you will say that in other banks the rate is higher, reaching 15% per annum (in stock offers, even higher), but it just so happens that the shortfall in interest in this case is the price for the reliability, stability and convenience of our banking “giant” spheres.

This line has deposits for every taste and color: with capitalization, without it (monthly payment to the account), for those who like to top up, and for those who withdraw a lot, multicurrency (ruble, dollar, euro), and super multicurrency (set currency is simply shocking), for pensioners, and those who are not indifferent to the fate of a child with cancer.

In terms of terms, deposit products are available, from 1 month to a permanent deposit (“Savings account”).

1. Deposit "Save" from Sberbank

The “Save” deposit is provided with capitalization (rate up to 9.07% per annum), and without it, with monthly transfer of interest to the card account (up to 8.05%).

Replenishment of the deposit and withdrawal from it are not allowed.

You can make a deposit for a period from 1 month to 3 years, in three currencies (maximum rate in dollars - 2.22%, euros - 1.17% per annum).

Minimum opening amount: 1000 rubles, 100 euros or dollar.

The conditions for early termination are as follows: if the deposit is kept for less than six months, the rate drops to 0.01% per annum; if the deposit is valid for more than six months, 2/3 of the percentage required for this program is retained.

And one more nuance that will be of interest to our citizens of retirement age. Since the highest rates are given for large amounts (700 thousand - 2 million rubles), then for individual pensioners, a preferential condition has been introduced for 2016 - regardless of the deposit amount, the rate is set according to the maximum value, naturally, for each specific program it will be vary.

Deposit amount	1-2 months	2-3 months	3-6 months	6-12 months	1-2 years	2-3 years	3 years
from 1,000 to 100,000	6,30 (6,30*)	6,70 (6,72)	7,10 (7,14)	7,40 (7,52)	7,55 (7,82)	7,55 (8,12)	7,55 (8,44)
from 100,000 to 400,000	6,45 (6,45)	6,85 (6,87)	7,25 (7,29)	7,55 (7,67)	7,70 (7,98)	7,70 (8,30)	7,70 (8,63)
from 400,000 to 700,000	6,60 (6,60)	7,00 (7,02)	7,40 (7,45)	7,70 (7,82)	7,85 (8,14)	7,85 (8,47)	7,85 (8,82)
from 700,000 to 2,000,000	6,80 (6,80)	7,20 (7,22)	7,60 (7,65)	7,90 (8,03)	8,05 (8,35)	8,05 (8,70)	8,05 (9,07)
from 2,000,000	6,80 (6,80)	7,20 (7,22)	7,60 (7,65)	7,90 (8,03)	8,05 (8,35)	8,05 (8,70)	8,05 (9,07)

2. Deposit "Manage"- withdrawal without loss of interest

The main advantages of this product are withdrawals and replenishments throughout the entire deposit period.

Withdrawals are only possible up to the minimum balance.

Period from three months to three years, minimum amount: 30 thousand rubles, 100 euros or a dollar (you can top up from 1 thousand rubles).

Interest accrual at your choice: either with capitalization back to the account, or monthly withdrawal (for example, to a bank card).

The maximum interest is 7.31% per annum (capitalization), 7.20% - if you choose monthly interest withdrawal (in euros up to 0.86%, dollar - 1.80%).

Deposit amount	3-6 months	6-12 months	1-2 years	2-3 months	3 years
30 000	6,55 (6,59*)	6,70 (6,79)	6,00 (6,17)	5,95 (6,30)	5,85 (6,38)
100 000	6,70 (6,74)	6,85 (6,95)	6,15 (6,33)	6,10 (6,47)	6,00 (6,56)
400 000	6,85 (6,89)	7,00 (7,10)	6,30 (6,49)	6,25 (6,64)	6,15 (6,74)
700 000	7,05 (7,09)	7,20 (7,31)	6,50 (6,70)	6,45 (6,86)	6,35 (6,97)
2 000 000	7,05 (7,09)	7,20 (7,31)	6,50 (6,70)	6,45 (6,86)	6,35 (6,97)

Note: * - interest capitalization rate.

3. Deposit "Top up"- choose the best conditions

An excellent product of Sberbank, for those who prefer to save money gradually, but at the same time receive a high interest rate.

The minimum amount for opening a deposit account is only 1 thousand rubles (can be opened in dollars and euros - from 100).

You can choose capitalization or payment of interest to the account for withdrawal, they are accrued monthly.

Withdrawals are not allowed, replenishment of the deposit from 1000 rubles is welcome, the deposit period is from 3 months to 3 years.

Maximum rate: with capitalization - 8.07% per annum, without it (to the card account) - 7.65%(to receive it, you need to make a deposit of 700 thousand rubles, for a period of six months to a year, see the table under the product description).

There are preferential conditions for Sberbank pensioners - for any deposit amount, the maximum percentage is assigned (7.65 - 8.07% per annum).

Deposit amount	3-6 months	6-12 months	1-2 years	2-3 months	3 years
from 1,000 to 100,000	6,85 (6,89*)	7,15 (7,26)	6,90 (7,12)	6,85 (7,32)	6,75 (7,46)
from 100,000 to 400,000	7,00 (7,04)	7,30 (7,41)	7,05 (7,28)	7,00 (7,49)	6,90 (7,64)
from 400,000 to 700,000	7,15 (7,19)	7,45 (7,57)	7,20 (7,44)	7,15 (7,66)	7,05 (7,83)
from 700,000 to 2,000,000	7,35 (7,40)	7,65 (7,77)	7,40 (7,66)	7,35 (7,89)	7,25 (8,07)
from 2,000,000	7,35 (7,40)	7,65 (7,77)	7,40 (7,66)	7,35 (7,89)	7,25 (8,07)

Note: * - interest capitalization rate.

4. Deposit for the promotion "Happy Year"- with maximum percentage

You can get up to 10% per annum - this is the highest rate of Sberbank at the moment, but to take it, you need to invest at least 10 million rubles.

For the deposit amount from 150 thousand rubles to 1 million - 9% per annum, from 1 to 10 million - 9.50% per annum.

One minus is the very large amount of opening a deposit, from 150 thousand rubles.

Opens for a period: in rubles - 9 months, dollars and euros - 10 or 18 months.

Deposit and withdrawal operations are not permitted by the banking agreement.

You can make a deposit at any Sberbank office; there is also the possibility of opening it remotely through Sberbank Online.

5. Deposit "Give Life"- help sick children

Charitable contribution - helping seriously ill children.

Once a quarter, the bank transfers 0.3% per annum from each depositor of this program to a charity fund.

Interest rate: with capitalization - 8.35%, with quarterly interest withdrawal - 8.10% per annum.

The minimum amount is only 10 thousand rubles, the deposit period is 12 months.

The deposit is not replenished, without partial withdrawal.

6. Deposit "Multicurrency"- opens in 3 currencies

You can place simultaneously in rubles, dollars or euros.

The rates are very low: rubles - up to 6.88% (without capitalization - 6.55% per annum), dollar up to 1.78%, euros - 0.91% per annum.

Very low opening thresholds: 5 rubles / dollars / euros. Duration from 1 to 2 years.

Withdrawals are not allowed, but you can top up from 1 thousand rubles, or 100 dollars / euros.

Interest is accrued once a quarter, they can be “used” for capitalization, or withdrawn to the card.

7. Deposit "Pension Plus"- increase your pension

In addition to the special conditions for Sberbank pensioners in the products (described in detail above): “Save”, “Manage”, “Replenish”, the bank also has a separate program for Russian citizens of retirement age.

True, compared to the rates described above (which, as we know, pensioners can use to the maximum, regardless of the deposit amount), the percentage here is very insignificant - 3.55% per annum with capitalization, and 3.50% without it.

In defense of this product, we can say that despite the low rate, there are comfortable conditions here, for example: unlimited replenishment, withdrawal up to a minimum balance, the minimum deposit amount is 1 ruble.

The deposit term is three years, interest is accrued quarterly.

This concludes the review of deposit programs at Sberbank, I hope you will find the information you need in it.