Sberbank deposits interest. Sberbank deposits for individuals: interest rates. Sberbank deposits for pensioners

Having decided to place your savings in a deposit bank account, it is important to determine which is the most profitable deposit in Sberbank. It is not so easy to give a definite answer to this question, since each person understands benefits in his own way and in each specific case priorities differ. To choose the optimal offer for deposits from Sberbank, you need to define selection criteria, based on which you can clarify the situation a little.

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Today, Sberbank has several deposit programs for individuals:

1. “Save” is a deposit with the highest interest rates.
2. “Replenish” – a deposit for stable accumulation of funds.
3. “Manage” is a deposit for those for whom it is important to control their finances and manage them at their own discretion.
4. “Save Online” is an analogue of the “Save” program.
5. “Top Up Online” is an offer similar to the “Top Up” deposit.
6. “Manage Online” is an alternative to the regular “Manage” deposit.
7. “Gift of Life” is a deposit program whose goal is charity for the treatment of children with serious illnesses.
8. “Savings account” is a bank account in which you can store money and receive interest in the form of interest, as well as manage the funds at your discretion.

The “Online” line of time deposits involves opening and closing deposits remotely through the “” system, ATMs or information and payment terminals at a higher interest rate than similar types of deposits that are opened directly at a Sberbank branch through an operator. Therefore, online deposit programs from Sberbank are more profitable deposits than their analogues, according to two criteria at once:

• higher interest rate for depositing funds into the account;
• no need to visit a bank branch to open a corresponding account.

It can be assumed that in this case, the most profitable is the banking product for which the system charges the highest interest. But it's not that simple. After all, each of these programs also has a number of conditions, and it may happen that at a high interest rate, some item from these conditions will be completely unacceptable to you.

Important! The choice of the most profitable deposit offer from Sberbank needs to be approached more thoroughly.

Reviews from Sberbank clients

If we analyze the feedback from bank depositors, we can conclude that for some clients the most profitable offer is the one with the highest interest rates; for others, the main role is played by the possibility of partial withdrawal or regular replenishment of the deposit account. Here's what current Sberbank clients say:

• Client:“I have been a regular client of Sberbank for a long time, but only recently decided to entrust the storage of my savings to it. I wanted the money not only to be in a bank account, but also to bring some profit. Even if this profit is only one hundred rubles, it is already a lot compared to the fact that they were kept at home. I carefully studied all the bank offers and made a choice in favor of the “Manage” deposit, although under the terms of this program there is almost the lowest interest rate. It was important for me that I be able to freely manage my money, even if it is on deposit. For some reason it feels safer to me.”
• Client:“Of the possible options for existing deposits in Sberbank, we did not hesitate to choose “Save Online.” Firstly, this program offers the highest interest rate on deposits in Sberbank today. Secondly, you can’t withdraw money here, so we won’t be able to spend it impulsively and thoughtlessly. Thirdly, we liked that the minimum deposit period is one month. It’s very profitable and convenient.”
• Client:“For several years in a row I tried to save up for a car, but there were always cases when you either needed money urgently or needed to lend it to someone. In general, nothing worked out until a friend advised me to put my savings on a deposit with the possibility of replenishing my account. At that time, Sberbank had two offers with suitable conditions -. Although the latter deposit has higher interest rates, I preferred to entrust my savings to the Replenish program, since I feel safer when I have a paper agreement with wet seals and signatures of both parties.”

Based on the responses of investors, in each specific case, the benefit may differ, since everyone has different priorities, but it is possible to determine a profitable contribution among many similar proposals based on a set of quality criteria. The concept of a profitable deposit implies the following criteria that determine the rating of deposit offers:

• bank reliability;
• convenient terms and conditions;
• the presence or absence of the ability to replenish and partially withdraw funds from the account;
• competitive interest rate;
• the possibility of prolonging the agreement on opening a deposit;
• capitalization or the possibility of withdrawing interest;
• minimum amount of down payment and replenishment (if this is possible in principle under the terms of the program);
• deposit currency and others.

Despite the many factors that determine the benefit for depositors, the majority of clients are attracted by the high interest rate. At Sberbank, the profit on a deposit can fluctuate greatly from 0.01% to 5.63%, and the size of the rate is primarily affected by the currency in which the client opens a deposit account.

The most profitable deposit in rubles

You can open a deposit in national currency using all Sberbank deposit programs; the main thing is to choose the optimal conditions for yourself. In almost all options, except for the “Gift of Life” program, the interest rate is floating, and its size depends on two factors:

• validity period of the deposit agreement;
• deposit amounts.

Table. Rates on ruble deposits in Sberbank.

Considering the fact that rates “float” and having analyzed all deposit programs, we can conclude that the maximum interest on deposits will be:

1. “Save”, “Replenish Online”, “Replenish”, provided that the deposit amount is over 700 thousand rubles and the term is 3-6 months.
2. “Save Online” if the deposit is from two million rubles for a maximum period, that is, three years inclusive.
3. “Savings account”, provided that the minimum minimum balance is two million rubles or more.

Attention! The Gift of Life deposit has a fixed interest rate of 5% of the deposit amount.

Based on the data provided, today it is more profitable for a period of three to six months. If it is important for you to be able to replenish the deposit without the possibility of withdrawal, then it is better to give preference to the “Replenish Online” deposit for the same period. In cases where you need to constantly withdraw and deposit money into your account, the best option would be the “Manage Online” deposit. In any case, deposits from the “Online” line are comparatively more profitable.

The most profitable deposit in foreign currency

As for deposits in foreign currency, Sberbank clients can place their savings only in US dollars and euros. You can choose any deposit program with the exception of the “Gift of Life” deposit, which can only be opened in rubles. As in ruble deposits and in foreign currency, the interest rate is “floating” and depends on the same factors that affect its size in the case of a ruble deposit, that is, on the term and amount.

The highest percentage for foreign currency deposit programs is valid in the “Save Online” offer and amounts to 1.25% per annum of the deposit amount, but such a rate will only be valid if the deposit amount exceeds 20 thousand USD and the validity period is 36 months inclusive. Other deposit programs also offer the highest rates under similar conditions.

Rates are indicated taking into account the accumulation (capitalization) of accrued interest.

Based on the above data, the following conclusions follow:

• You can deposit money profitably at interest using the “Save Online” program, where the most favorable conditions apply;
• the highest rate for each type of deposit is valid only on the condition that the size of the deposit is at least twenty thousand US dollars and it is open for a period of 3 years;
• The interest rate on a deposit in euros is stable, 0.01% and does not depend on the term or amount of the deposit.

The most advantageous offers from Sberbank on deposits are valid only under certain circumstances, on which the size of the interest rate actually depends. But when choosing a deposit, you need to take into account not only the thirst for profit, but also other accompanying conditions that determine the benefit and convenience for potential Sberbank depositors.

Sberbank deposits for individuals in 2019 became more attractive due to updated rates. How favorable interest rates and conditions are offered to the population by the largest bank in Russia today, read on this page.

In 2019, Sberbank of Russia offers its clients several types of profitable deposits for individuals with capitalization or monthly withdrawal of interest, as well as the ability to replenish or spend part of the invested funds.

1. Deposits like " Save"are intended for those who are ready to invest a large sum for several years and not use this money in order to get maximum income. There is also the opportunity to deposit a large amount into a Sberbank account and live by withdrawing interest.

2. Other Sberbank deposits for individuals, for example, “ Replenish", have the ability to replenish your account and are beneficial for those who intend to save money.

3. And deposits like “ Manage» are designed for those who have little available funds and may need some of their savings at any time. This is convenient, but the interest rate in this case is not high.

Today at Sberbank you can make deposits only in rubles and US dollars. The Bank temporarily does not open new deposits in euros, offering the use of a Savings Account in euros at a rate of 0.01% per annum.

See also the conditions for online deposits of Sberbank and deposits

Sberbank: interest and terms of deposits for individuals

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

1. Sberbank deposit “Save”

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

(+) Plus: high interest rate.

(-) Minus: there is no possibility of replenishing the account and partially withdrawing money without losing interest.

Conditions

• Duration: from 1 month to 3 years;
• Currency: Rubles / US dollars;
• Replenishment: not provided;
• Partial withdrawal: not provided;
• The accrued interest is added to the deposit amount, increasing income in subsequent periods.
• Interest accrual: monthly withdrawal or capitalization.

Interest rate

Contribution "Save Online"

The terms of this deposit for individuals are similar to the “Save” deposit, only it is opened via the Internet, and the interest rates are higher.

Few? See what the interest rate on bank deposits is today

Contribution "Special Save"

Deposit with increased rates for owners of the Sberbank Premier/Sberbank First service package. Opens for an amount of 700,000 rubles or 50,000 dollars.

Contribution "Leader Save"

See also the 50 most profitable deposits today.

2. Sberbank deposit “Replenish”

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

(+) Plus: it is possible to top up your account.

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

Conditions

• Duration: from 3 months to 3 years.
• Currency: Rubles / US dollars
• Amount: from 1,000 rubles / 100 US dollars
• Replenishment: provided.
• Partial withdrawal: not provided
• Capitalization: provided.

Interest rate

Contribution "Recharge Online"

The conditions of this deposit for individuals are similar to the “Replenish” deposit, only it is opened via the Internet, and the rates are more profitable.

Contribution "Special Replenish"

Replenishable deposit with increased rates for owners of the Sberbank Premier/Sberbank First service package. Opens for an amount of 700,000 rubles or 50,000 dollars.

Contribution "Leader Replenish"

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

See interest rates on deposits at Raiffeisenbank -

Contribution “Replenish in the name of the child”

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

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

Opening a deposit is possible only at the branch. To do this, you will need the passport of the person opening the deposit and the birth certificate of the child in whose name it is issued.

Conditions

• Currency: Rubles / US dollars;
• Amount: from 1,000 rubles / 100 US dollars;
• Duration: from 3 months to 3 years;
• Replenishment: provided.
• Minimum contribution: in cash - from 1,000 rubles / 100 US dollars, by bank transfer - unlimited.
• Partial withdrawal: not provided;
• Capitalization: provided.

Interest rates

Doesn't fit? See deposit rates at Rosselkhozbank -

3. Sberbank deposit “Manage”

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

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

(-) Minus: low interest rate.

Conditions

• Duration: from 3 months to 3 years.
• Currency: Rubles / US dollars
• Amount: from 30,000 rubles / 1000 US dollars
• Replenishment: provided;
• Minimum contribution: in cash - from 1,000 rubles / 100 US dollars, by bank transfer - unlimited.
• Partial withdrawal: provided up to the minimum amount of the minimum balance without loss of accrued interest.
• Capitalization: provided.

Interest rate

Contribution "Manage Online"

The conditions of this Sberbank deposit for individuals are similar to the “Manage” deposit, only it is opened via the Internet, and the interest rates are slightly higher.

Contribution "Special Manage"

A spending deposit with increased rates for owners of the Sberbank Premier/Sberbank First service package. Opens for an amount of 700,000 rubles or 50,000 dollars.

Contribution "Leader Manage"

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

4. Contribution "Pension-plus of Sberbank of Russia"

This is a deposit to receive 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;
• Amount: from 1 ruble;
• Replenishment: provided;
• Partial withdrawal without loss of interest: provided up to the level of the minimum balance;
• Interest accrual: every 3 months. The accrued interest is added to the deposit amount, increasing income in subsequent periods.
• Capitalization: provided.

Interest rate

3.50% per annum without capitalization (3.55% per annum with capitalization).

Not enough? See the most profitable bank deposits for pensioners

5. Sberbank deposit “Give life”

This deposit for individuals is charitable. Part of the funds is allocated 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.

Conditions

• Duration: 1 year
• Currency: Rubles
• Amount: from 10,000 rubles
• Replenishment: not provided
• Partial withdrawal: not provided
• Capitalization: provided.

Interest rate

• 5.65% per annum (5.77% per annum with capitalization)

6. savings account Sberbank of Russia

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

Conditions

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

Interest rate

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

How to register Sberbank deposits for individuals

Opening a deposit in Sberbank is easy, the main thing is that you have money that can be deposited in the bank!

1. In the office. To make a deposit, just contact any bank branch with money and a passport. Sberbank employees will complete all the necessary paperwork, and all you have to do is sign where required.

2. Online. If you are already a client of Sberbank and use Internet banking, then you can open a deposit without leaving your home. Log in to Internet Banking, select a suitable deposit and click the “Open deposit” button.

Conditions for early termination

In any unforeseen situation, if clients need money before the end of their deposits, they can always get it.

Early termination of deposits “Save”, “Replenish”, “Manage” and “Give Life” carried out under the following conditions:

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

2. For deposits for a period exceeding 6 months:

During the first 6 months of the main (extended) term - based on an interest rate of 0.01% per annum;
- after 6 months of the main (extended) term - based on 2/3 of the interest rate established by Sberbank for this type of deposit on the date of opening (extension) of the deposit.

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

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

Current interest rates on deposits in Sberbank for 2018

Name of contribution	Max. % bid	Deposit term	Min. sum	Replenishment	Frequently withdrawal
Contribution “Give Life”	5,00 %	1 year	from 10,000 rub.	–	–
Deposit “Replenish”	4,50 %	from 3 months up to 3 years.	from 1000 rub.	+	–
Deposit “Replenish Online”	5,00 %	from 3 months up to 3 years.	from 1000 rub.	+	–
Deposit "Save"	5,00 %	from 1 month up to 3 years.	from 1000 rub.	–	–
Deposit “Save Online”	5,50 %	from 1 month up to 3 years.	from 1000 rub.	–	–
“Manage” deposit	4,20 %	from 3 months up to 3 years.	from 30,000 rub.	+	+
Deposit "Manage Online"	4,70 %	from 3 months up to 3 years.	from 30,000 rub.	+	+
savings account	2,30 %	Indefinitely	-	–	–

More detailed and most accurate information on deposits can be found on the official website of Sberbank at the link: www.sberbank.ru/ru/person/contributions/deposits

“Term deposits” of Sberbank: names and conditions

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

"Save"

Deposit terms:

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

Deposit currency:Russian ruble, dollar USA;
Minimum deposit amount: 1,000 rubles, 100 dollars.
Deposit term:1 month - 3 years inclusive.

Replenishment:not provided
Partial withdrawal:not provided.

The deposit period for each specific case is calculated individually, accurate to the day.

"Replenish"

Deposit terms:

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

Deposit currency:Russian ruble, dollar USA;
Minimum deposit amount: 1,000 rubles, 100 dollars.
Deposit term:3 months - 3 years inclusive.

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

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

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

"Manage"

Deposit terms:

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

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

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

"Gift a life"

Deposit terms:

Interest rate -4,55% .

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

Replenishment:not provided
Partial withdrawal:not provided

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

Sberbank transfers 0.3% per annum of the deposit amount to the Gift of Life charitable foundation every 3 months.

"Onlike"

Deposit terms:

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

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

Replenishment: not provided
Partial removal:not provided

"Significant benefit"

Deposit terms:

Interest rate:1.5%-3.0% per annum

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

Replenishment: not provided
Partial removal:not provided

"Social"

Deposit terms:

Interest rate -3.75% per annum.

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

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

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

"Pension-plus of Sberbank of Russia"

Deposit terms:

Interest rate -3,5% .

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

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

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

Conditions for registration of permanent deposits, category “deposits for settlements”

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

"On demand of Sberbank of Russia"

Deposit terms:

Interest rate -0.01% for all currencies

Deposit currency: Rubles / US dollars / Euros / Pounds sterling / Swiss francs / Swedish kronor / Singapore dollars / Norwegian kroner / Danish kroner / Canadian dollars / Australian dollars / Japanese yen;
Minimum deposit amount:.
Deposit term:indefinitely.

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

In force majeure circumstances, when the need arises to withdraw all invested money, you have the right to terminate the agreement with the bank early and withdraw your deposit. In this case, income will be accrued taking into account the actual period of storage of money in the account and the established interest rate. If it has changed since the opening of the deposit, each of its values ​​will be taken into account. If you keep your savings for a long time, you can issue a power of attorney or make a will.

"Savings account"

Deposit terms:

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

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

Replenishment:not limited
Partial withdrawal:not limited.

Deposit "Universal of Sberbank of Russia"

Deposit terms:

Interest rate -0.01% for all currencies

Deposit currency: Rubles / US dollars / Euros / Pounds sterling / Swiss francs / Swedish kronor / Singapore dollars / Norwegian kroner / Danish kroner / Canadian dollars / Australian dollars / Japanese yen;
Minimum deposit amount:10 rubles / 5 US dollars / amount equivalent to 5 US dollars in other currencies
Termcontribution:indefinitely.

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

This deposit can not be opened in all Sberbank branches. You can find a list of branches where this is available by following the link.

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

“Nominal account for crediting social payments”

Deposit terms:

Interest rate -3,67% .

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

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

A nominal account for crediting social payments is opened in Sberbank branches for parents/guardians/trustees for crediting funds of a social nature specified in Article 37 of the Civil Code of the Russian Federation: amounts of alimony, pensions, benefits, compensation for harm to health and damage incurred in the event of the death of the breadwinner, as well as others funds paid to them for the maintenance of minors/incapacitated/partially capable citizens who are beneficiaries of a nominal account. To open it, the Parent only needs to present his identification document and the birth certificate of a child under 14 years of age, or the birth certificate and passport of a child aged 14 to 18 years, and no permission from the guardianship and trusteeship authorities is required to be provided to the Bank. . To open a Nominal Account, the Guardian/Trustee presents his/her identification document, the birth certificate of a child under 14 years of age or the passport of a child aged 14 to 18 years or an incapacitated/limited citizen, an act of the guardianship and trusteeship authority on the appointment of a guardian (trustee) ), confirming the authority of the owner of the Nominal Account to manage the funds of the ward

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

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

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

General terms and conditions of deposits

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

Conditions for calculating interest

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

The interest rate increases when the deposit amount reaches the next gradation. For example, if you opened a “Top up” deposit in the amount of 100,000 rubles, and subsequently its amount reached 400,000 rubles, then the interest rate from 3.8% will increase to 3.94%.

Conditions for early termination

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

In case of early repayment of the deposit, interest is recalculated without taking into account monthly capitalization.

Prolongation conditions

• The number of extensions is not limited;
• Automatic extension occurs under the same conditions and at the same interest rate that are in effect on the renewal date.

Conditions for pensioners

Sberbank has developed special conditions for pensioners opening “Replenish” or “Save” deposits:

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

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

We invite you to read the detailed instructions on how to open a deposit in the Sberbank Online system in the document attached below.

How do you see Sberbank’s deposits for 2019 today? Will rates rise, fall, or remain unchanged? This question is relevant for many citizens. It is known that more than 44% of all investors in the country entrusted their funds to the leader.

There is an opinion that this year we will see a conservative deposit market: the pace of lending is decreasing, and therefore deposit rates, if they rise, will be quite insignificant. Is it possible to speak so unequivocally about Sberbank? Hardly.

The fact is that today they have been issued loans for a little over three trillion rubles. At the same time, the volume of the deposit portfolio exceeded 7 trillion. That is, the bank does not feel a special need to attract funds. Considering the dynamics of the placement of funds over the past years, we can say with confidence that the bank will continue to remain average in terms of profitability, but an ideal credit institution with the highest degree of reliability in the market.

Let's see what interest rates on deposits at Sberbank are offered to clients today. The line of deposit products is quite extensive, but we will try to briefly describe each of the programs.

The line of time deposits is represented by the following products:

Save - up to 10.29% taking into account capitalization. The deposit allows you to guarantee maximum income. Depositing or withdrawing part of the money is not allowed. The minimum amount is 1 thousand rubles, 100 euros or US dollars.

Top up - suitable for those who intend to regularly set aside certain amounts in order to save up for something necessary, useful or simply pleasant. Rates - up to 9.58% with capitalization. Deposits are allowed, but withdrawals are not. The minimum for opening is similar to the previous product.

Manage - a deposit for those who want to use part of the money from the account, but without losing in profitability. Rates vary up to 8.51% including interest capitalization. Deposits and withdrawals are provided. Unlike the first two programs, the minimum amount is 30 thousand rubles or 1 thousand dollars/euro.

Give Life is an opportunity to come to the aid of children suffering from serious illnesses (oncology, etc.). Income is calculated at a rate of up to 8.93 (only in rubles). Partial withdrawals or deposits are not permitted. To open you need 10 thousand rubles.

Multicurrency - as part of the deposit, Sber offers to receive additional income due to fluctuations in exchange rates. The maximum profitability is up to 8.18 in rubles. To open, you need to immediately deposit 5 rubles, 5 euros and 5 dollars into your account, since it [opening] occurs simultaneously in the three listed currencies.

International - under this program the client earns not only on interest accrued by the bank, but also on fluctuating exchange rates. By the way, the currencies are not very traditional for deposits: pound sterling, Swiss franc and Japanese yen (yield of up to 4.50%, respectively).

In addition, this also includes a savings account, which allows you to freely manage the funds available on it. The duration of the money on it is unlimited, the rate can reach 2.3%. Opens only in rubles.

Detailed information about Sberbank deposits

Taking into account current changes in the Russian economy, Sberbank deposit rates have been significantly increased.

International

Multicurrency

Pension Plus

gift a life

Replenish

Top up (pension)

Top up Online

Save

Save (retirement)

Save Online

Manage

Manage Online

In 2018, Sberbank lowered deposit rates for individuals. The management of this largest Russian bank explains that such measures are dictated by the general trend of lowering interest rates prevailing in the country. What deposit conditions does Sberbank currently offer and how profitable is it currently to place deposits with the bank?

All Sberbank deposit products can be divided into certain categories:

1. Deposits with the possibility of replenishment.
2. Deposits without the possibility of replenishment.
3. Deposits on which interest is accrued and paid every month.
4. Deposits with partial withdrawal of funds without loss of interest.
5. Deposits without early withdrawal of money.

As for currency, the bank now accepts only ruble and dollar deposits. For those wishing to make a deposit in euros, Sberbank can only offer a Savings account with an interest rate of 0.01% per year.

Important: All types of deposits, issued in national or foreign currency, provide for the possibility of interest capitalization.

"Save" and “Save Online”

They belong to the basic line of Sberbank deposits for individuals. They have higher percentages compared to other products. This type of investment is chosen by those who have the opportunity to invest large sums without having to withdraw funds from the account before the end of the contract. The “Save” deposit and its online analogue do not provide the opportunity to replenish your account and partially withdraw funds without loss of profitability. Only the possibility of capitalization on interest is provided.

Interest ratesfor the “Save” deposit today (% per annum):

Interest ratesfor the “Save Online” deposit today (% per annum):

Interest rates on depositsat "Save" (in

Interest rates on depositsat "Save"Online" (independing on the amount and term of the contract):

Advice: check out the list of financial institutions offering.

“Top up” and “Top up online”

These deposits allow you to store savings in both domestic and foreign currencies (US dollars). The minimum deposit size allows you to put at least 1 thousand rubles or $100 in cash into your account. There are no limits set for replenishment by bank transfer. The increase in interest rate depends on the deposit amount. The “Save” deposit and its online analogue provide the opportunity to replenish the account, but do not allow partial withdrawal of funds. Only the possibility of interest capitalization is provided.

Interest ratesfor the “Replenish” deposit today (% per annum):

Interest ratesfor the “Replenish Online” deposit today (% per annum):

Interest rates on deposit "PopolNyai" (depending on the amount and term of the contract):

Interest rates on depositsy "PopolyayOnline" (independing on the amount and term of the contract):

Let's sum it up

Sberbank of Russia offers many deposit options - for any choice and for all groups of the population. By visiting a bank branch or reading the information on the official website, workers, military personnel, pensioners and other categories of citizens can choose suitable deposit conditions for themselves.

To select the optimal conditions for a deposit at Sberbank, you first need to determine the goal: short-term placement of money or ensuring financial security for yourself (family or friends) in the future. It is also important to find out whether, according to the terms of the deposit, you can replenish your account or withdraw funds from it.