Deposit “Top up”
The minimum amount is 1 thousand rubles. Terms vary from 3 to 36 months. The maximum interest rate is 4.5% per annum. Interest payment every month. You can also choose capitalization. If the amount increases, the rate will increase. You can top up by 1000 rubles or more. Partial withdrawal is not possible. Important: If you open this deposit through the Sberbank Online service, the interest rate will be increased (up to 5% per annum, depending on the term).
| Sum | Term / Interest rate | ||||
| from 3 to 6 months. | from 6 to 12 months. | from 12 to 24 months. | from 24 to 36 months. | 36 months | |
| from 1 t.r. | 3.85% | 4% | 3.8% | 3.75% | 3.7% |
| from 100 rub. | 4% | 4.15% | 3.95% | 3.9% | 3.85% |
| from 400 rub. | 4.15% | 4.3% | 4.1% | 4.05% | 4% |
| from 700 rub. | 4.35% | 4.5% | 4.3% | 4.25% | 4.2% |
| from 2 million rubles | 4.35% | 4.5% | 4.3% | 4.25% | 4.2% |
“Save” deposit
All types of deposits in Sberbank of Russia, like the Save deposit, are aimed at minimizing losses from inflation.
The opening amount is 1 thousand rubles or more. The interest rate reaches 5% per annum. Capitalization or interest payments will be made every month. There is no possibility of replenishment or partial withdrawal. Important: If you open through the Sberbank Online service, the rate will be increased (max. 5.5% per annum).
| Sum | Term / Interest rate | ||||||
| from 1 to 2 months. | from 2 to 3 months. | from 3 to 6 months. | from 6 to 12 months. | from 12 to 24 months. | from 24 to 36 months. | 36 months | |
| from 1 t.r. | 4.8% | 4.15% | 4.35% | 4.5% | 4.4% | 4.35% | 4.3% |
| from 100 rub. | 3.95% | 4.3% | 4.5% | 4.65% | 4.55% | 4.5% | 4.45% |
| from 400 rub. | 4.1% | 4.45% | 4.65% | 4.8% | 4.7% | 4.65% | 4.6% |
| from 700 rub. | 4.3% | 4.65% | 4.85% | 5% | 4.9% | 4.85% | 4.8% |
| from 2 million rubles | 4.3% | 4.65% | 4.85% | 5% | 4.9% | 4.85% | 4.8% |
“Manage” deposit
The minimum amount for opening is 30 thousand rubles. Possible monthly withdrawal bank card or capitalization of interest. The terms of the deposit include: auto-renewal, replenishment and partial withdrawal. Max. rate - 4.2% per annum. Important: If this deposit is opened through the Sberbank Online service, the interest rate will be increased (up to 4.7% per annum, depending on the term).
| Sum | Term / Interest rate | ||||
| from 3 to 6 months. | from 6 to 12 months. | from 12 to 24 months. | from 24 to 36 months. | 36 months | |
| from 30 t.r. | 3.55% | 3.7% | 3.25% | 3.15% | 3% |
| from 100 rub. | 3.7% | 3.85% | 3.4% | 3.3% | 3.15% |
| from 400 rub. | 3.85% | 4% | 3.55% | 3.45% | 3.3% |
| from 700 rub. | 4.05% | 4.2% | 3.75% | 3.65% | 3.5% |
| from 2 million rubles | 4.05% | 4.2% | 3.75% | 3.65% | 3.5% |
Deposit "Pension Plus"
This type The deposit is intended for pensioners. The minimum deposit is 1 ruble. The deposit period is 3 years. Interest capitalization or payment will be made quarterly (to a bank card or current account). The interest rate on the deposit is 3.5% per annum. The terms of the deposit include: auto-renewal, replenishment and partial withdrawal.
| Sum | Term | Interest rate |
| from 1 rub. | 36 months | 3.5% |
Sberbank changed deposit rates individuals towards the downside. In the manual of this very large bank Russia was explained that in this way the bank follows the general trend of lower interest rates that has emerged in the country. So how much high stakes on deposits in Sberbank today in Moscow, St. Petersburg and other cities of Russia, is it really profitable to place money at interest in this bank now? Let's figure it out together.
Sberbank's line of deposits today includes several deposits for different types of money management. There is a deposit for those who are ready to deposit funds for several years and not touch them in the hope of receiving the maximum interest. And there are deposits for those who need to withdraw some money from time to time or replenish their deposit. The rates for deposits with and without replenishment, respectively, are different.
At Sberbank today you can only open deposits in rubles and US dollars. The Bank temporarily does not open new deposits in euros, offering to use a Savings account in euros at a rate of 0.01% per annum.
Interest on deposits in Sberbank today – in 2020
1 Deposit "Save"- not replenished and without partial withdrawal. Deposit term: from 1 month to 3 years inclusive.
The rates on this deposit today are (% per annum):
From 2.7 to 4.5% in Russian rubles;
from 0.01 to 0.85% in US dollars.
2 Deposit “Top up”- replenished, but without partial withdrawal. Deposit term: from 3 months to 3 years inclusive.
The rates on this deposit today are (% per annum):
From 3.10 to 4.19% in Russian rubles;
from 0.01 to 0.50% in US dollars.
3 Deposit "Manage"- replenishable and with partial withdrawal. Deposit term: from 3 months to 3 years inclusive.
Rates today are (% per annum):
From 2.45 to 3.83% in Russian rubles;
from 0.01 to 0.30% in US dollars.
Sberbank’s line of basic deposits today includes other deposits, for example:
☑ charitable contribution“Give Life” for a period of 1 year from interest rate 4.58% with capitalization in rubles,
☑ “Pension plus” for 3 years at 3.67%.
Look full list deposits of individuals of Sberbank with interest rates and conditions on this page >>
The most profitable Sberbank deposit today - conclusions
More recently, more high percent you can get the deposit if you open a deposit not at the bank office, but through Personal Area Sberbank Online. But today, rates on deposits opened in a bank branch and via the Internet have become equal.
This means that in order to get the maximum interest, you no longer have to make a deposit at Sberbank Online or an ATM. You can also open it at a bank branch.
How to choose Best offer? To do this, let’s calculate how much income you can get if you make each deposit for a period of 1 year and invest, for example, 400,000 rubles. To do this, use the Sberbank deposit calculator.
So, if you invest 400,000 rubles for 1 year, then the income will be as follows:
So, a simple calculation showed that with such a ratio of amount and term The most profitable deposit in Sberbank today is the “Gift of Life” deposit.
If you plan to invest money for other periods, then the “Save” deposit will give the greatest income.
But this does not take into account those deposits that are available only to clients with Premium service packages.
See also:
Sberbank deposits for pensioners: increased interest >>
How to apply for the most profitable Sberbank deposit
You can open a deposit in several ways:
1.
In the Internet bank Sberbank Online.
Log in to Sberbank Online → Deposits and accounts → Opening a deposit → Select a deposit and specify the conditions → Confirm → The deposit is open!
2.
IN mobile application Sberbank Online.
Log in to the application → Deposits and accounts → Select a deposit and specify the conditions → Confirm → The deposit is open!
3.
At the ATM.
Insert the card and enter the PIN code → “Cards, deposits and loans” → “+New product” → Open deposit.
4.
At a bank branch.
You can also make an online deposit in the office! To do this, you need to use a public computer, if your bank branch has one. To do this, log into Sberbank Online and follow the instructions. By the way, bank employees can help you.
Question answer
Are Sberbank deposits insured?
Yes. All deposits of Sberbank of Russia are insured in accordance with Federal law“On insurance of deposits of individuals in banks Russian Federation» No. 177-FZ dated December 23, 2003.
Is it possible to withdraw interest and in what way?
Interest added to the deposit amount can be withdrawn at any time in whole or in part. You can receive them through Sberbank Online or at the bank office.
Is it possible to open several deposits at once?
Can. The client can make any number of deposits.
In times of economic instability, you want to preserve your savings. You can do this different ways: hide money at home, buy any valuables with it, open an account in Sberbank for an individual. The organization offers a large selection for those who are thinking about which deposit in Sberbank is best to open. Trusting your available funds one of the most reliable banks in our country, you can not only not lose them, but increase them due to favorable conditions.
How to choose the most profitable deposit in Sberbank
It is impossible to say exactly which contribution will be the most profitable, since any of them is designed for a specific target audience. In addition, the investor needs to carefully check the conditions: the ability to replenish the account, withdraw the required amounts, the interest rate. Today, Sberbank of Russia offers several products with different conditions, among which clients can find the most profitable one for themselves.
Types of deposits and their interest rates in 2019
In 2019, clients of this bank will be able to achieve the following goals with the help of appropriate proposals:
- get excellent profits due to the fact that new interest rates on Sberbank deposits have been introduced;
- withdraw interest every month;
- set aside a certain amount every month for various purposes, because this gives you a chance to do it savings deposits Sberbank;
- store funds in monetary units of other countries (Sberbank deposits in foreign currency);
- withdraw your money when the need arises.
To make a deposit with Sberbank at interest (or any other), you need to visit a branch of the organization, having your passport with you. Then you need to sign the agreement drawn up according to the proposal, reading it carefully (especially those points that are written in small print). The next step is to deposit a certain amount of money into your open account.
Happy year
The product involves the use of both rubles and foreign currency(US dollars, euros). To open such a deposit, you need to deposit at least 150,000 rubles. For American and European banknotes, the minimum amount is 3000. According to the terms of the deposit, funds must be kept on it for 9 months (for ruble ones), 10-18 months (for foreign currency ones). Ruble rates are up to 10%, dollar rates are 3.10%, and euro rates are 2%. Do you think which deposit in Sberbank is preferable to open? Considering the interest, it is worth taking a closer look at the “Happy Year” product.
Save
This type of deposit belongs to traditional bank products. The product is available not only in our currency, but also in two others, against which the exchange rate is compared. The terms of the program do not imply partial withdrawals or replenishments. You can open the product with only 1000 rubles, $100, €100. Deposit 100,000-400,000 rubles. for a period of 3 years will give you the opportunity to receive 8.44% per annum. Capitalization assumes an increase in interest to 9.07%. If you deposit foreign currency, the interest rate will be 2.22% for dollars and 1.17% for euros.
Replenish
Savings deposits in Sberbank are represented by the “Replenish” offer. The product makes it possible not only to save the initially deposited amount, but to periodically replenish it with new funds. The period for which the account is opened starts from 3 months, reaching up to 3 years. For rubles, the amount of additional deposits is from 1000 rubles. in cash. If you want to top up using non-cash payments, there will be no restrictions for you.
Account capitalization will allow you to purchase up to 8.07% per annum, and if the investor does not want this process, his funds received at the rate will be transferred monthly to the card or account. As for foreign currency, you can supplement your deposit with an amount of $100 or €100. The interest rate in dollars will be 2.01%, when using euros - 1.07%. The remaining conditions are the same as the “Save” offer.
Manage
For people who want to be able to withdraw a certain amount of money from their account or replenish it, the “Manage” product is suitable. The minimum amount of ruble investments here is 30,000 rubles. The maximum rate will be 7.31%, provided that interest is capitalized. If you decide to make a dollar deposit, then you need to deposit at least $1000, the rate is 1.80%. The Euro offer will be available for deposits of €1,000 or more and your account will top up at 0.86% per annum.
Pension Plus
An excellent deposit created specifically for pensioners who want to receive income for retirement. You can create such an investment for a period of 3 years. As long as your money is inside the bank, you will be able to constantly replenish your account and partially withdraw money from it. It is possible to withdraw funds until there is 1 ruble left on it. The annual interest rate for this offer, subject to capitalization, is 3.67%. A deposit that is beneficial for pensioners, allowing not only to store and increase their funds, but also to manage them.
Multicurrency
The “Multicurrency” deposit uses several currencies to open at once - this is its main feature. You can open it using any of them: rubles, euros or US dollars. The interest rates on offer are as follows: up to 6.88% in rubles; 1.78% in dollars; 0.91% when using euros. The period for which this deposit is calculated can range from 1 to 2 years. The offer includes the possibility of replenishment. Minimum size cash replenishment is 1000 rubles, $100, €100. The minimum deposit amount is not at all large: 5 rubles, $5, €5.
International
A deposit that provides for storing funds in foreign monetary units: British, Swiss, Japanese. The proposal does not allow for the possibility of incomplete early withdrawal funds. This product is designed for both short and long-term use. The minimum amount you can deposit is the same for pounds sterling and francs, which are the currency in Switzerland, and is 10,000. You can deposit in yen with a minimum amount of 1,000,000 units of this currency.
Each currency has its own interest rate:
- pounds sterling: 0.70-4.50%;
- Swiss francs: 0.10-2.65%;
- Japanese yen: 0,30-2,65%.
savings account
A very convenient offer that implies the possibility of daily management is a savings account with Sberbank. This storage system comes into force with an unlimited minimum amount, then you can replenish it and withdraw any amount of money available in the account. Opening is possible in three currencies: rubles, American dollars, euro. Clients can use this deposit indefinitely.
Interest rate for each type of currency:
- rubles: 1.50-2.30%;
- euro: 0.10-0.40%;
- US dollars: 0.10-0.40%.
How to open a deposit in Sberbank online
You can also choose which deposit in Sberbank is best for you to open online. If you have already become a user of the bank and have repeatedly accessed its Internet equivalent, then you can immediately begin opening it. If you have not used the services, you will have to visit the bank. At the branch of the organization you must provide a passport and declare your desire. A special agreement will be concluded with you, after which you have the right to manage your finances and use the services of this bank via the Internet.
To open an online deposit you need to perform a small number of actions:
- If you do not have a card for this financial organization, you need to get it. The instant card is absolutely free and does not require any service fees.
- Using the terminal, get the login and password you need to log in. The information will be provided to you via a receipt, where it will be indicated. Do not share this information with anyone so that no one can use your money without your knowledge. If you estimate that this task is difficult, ask for help from a special person - a consultant. Do it all easily with mobile phone. To do this, when concluding a contract, activate the service in advance " Mobile bank”, which will require small fees for annual maintenance.
- By means of a computer, mobile device or terminal, go to the Sberbank website. Then follow the following links: individuals – online services – Sberbank Online. Next you will need to enter your previously received login and password.
- Click on the “Deposits and Accounts” page, click on the “Open a Deposit” link.
- Carefully study the terms and conditions that characterize each type of contract and choose the offer that suits you. Today the following deposits are available: “Replenish online”, “Manage online”, “Save online”. After selecting the desired offer, click “Continue”, opening the application form, which must be carefully and correctly filled out.
- After checking the data is correct, click the “Open” button and check again. If you did everything correctly, check the box to agree to the terms. You will see your account details, which you can then check inside the “Deposits and Accounts” link.
Video: what you need to know about foreign currency deposits
Time of crises, rising prices for monetary units other countries force some people to use the currencies of other countries to store their savings. It costs more and is constantly growing. Keeping foreign currency savings at home is not a good idea; it is much more profitable to entrust them to a bank at interest. Deposits that were opened using currencies of other countries have their own characteristics, conditions and pitfalls.
Finance company regularly updates its lines investment proposals offered to clients. This applies not only to credit or mortgage offers, but also investments. Many financial institution clients are interested in Sberbank time deposits for individuals in 2020. This is due to the fact that the bank periodically issues high-yield deposits available to various categories citizens.
The financial company provides various tariffs, among which there are several options that are most suitable for pensioners. The 2020 line for seniors is represented by two deposit options.
Top up Online
The first of them is “Refill Online”. Feature of this tariff plan The point is that you can open it with an amount of one thousand rubles and gradually top it up an unlimited number of times.
The basic requirements for opening are as follows:
For pensioners there is a bonus in the form maximum bet, this does not depend on the deposit amount and corresponds to the deposit period.
Thanks to the proposed conditions, active users of the bank’s services can activate the “Piggy Bank” service and, having configured the parameters, not have to worry about missing a replenishment.
Deposit betting options:
| Sberbank online, rubles |  |
| Sberbank online, dollars |  |
| Bank branch, rubles |  |
| Bank branch, dollars |  |
Pension plus
The next type of investment that will be of interest to representatives of the older generation is pension plus. The main feature of this deposit is that the client can not only replenish, but also withdraw funds if necessary. The main requirement is that the money should not be less than the minimum balance.
Deposit terms:
- Only in Russian currency.
- The minimum amount, which is also the minimum balance, is 1 ruble.
- Possibility of regular deposits and withdrawals.
- Period up to three years with the possibility of extension.
- Interest 3.5% per annum.
Such an offer allows you to accumulate funds, while making it possible to use almost the entire volume of accumulated funds. In case of early closure of an account, the interest is calculated in in full excluding capitalization.
Unfortunately, it is no longer possible to open the second product. Today it refers to archival tariffs.
Sberbank time deposits for individuals
Charges increase depending on the amount of money and the duration of use of the investment by the bank. Maximum percentage will be credited to a client who has opened an investment account in the amount of 2 million or more for a period of three years.
Deposit betting options:
| Sberbank online, rubles |  |
| Sberbank online, dollars |  |
| Bank branch, rubles |  |
| Bank branch, dollars |  |
Is it possible to close a deposit early? This opportunity exists for all investment products, the client can demand his money back at any time. The amount of accrued interest will depend on the actual period of use of the funds, while investments withdrawn earlier than six months after opening will have practically zero profitability.
Manage and Manage Online
As in the previous case, the difference between the products lies only in the method of opening an account and the increased interest rate when using Internet banking to manage funds.
A characteristic feature of this product is that the maximum return will be within the first six months from the date of investment; as the period increases, the interest rate decreases. Thus, having invested 30 thousand for 6 months, the client will receive accruals on the balance in the amount of 3.25% per annum, with the same parameters, but for a three-year period the interest will be 2.5%.
Deposit betting options:
| Sberbank online, rubles |  |
| Sberbank online, dollars |  |
| Bank branch, rubles |  |
| Bank branch, dollars |  |
Special offers
In addition to standard tariffs, Sberbank has Special offers, having a special purpose. These accounts are intended not only for preserving and accumulating personal money, but also for providing charitable assistance to those in need.
Gift a life
This investment involves contributions to help children suffering from severe cancer. The mechanism of action is that 0.3% per annum of the volume of invested funds is transferred to a fund of the same name.
The main conditions are as follows:
- Yield 4.15% per annum.
- Term 1 year.
- Does not provide for withdrawals or deposits.
- Opening from 10 thousand.
Interest accrues every three months. Capitalization is taken into account only when the investment is closed within the agreed time frame. If closed early, the investment will have zero profitability in the first six months; after 6 months, interest will be accrued at two-thirds of the rate established by the contract.
Memory of generations
This contribution was seasonal and is no longer active today. Nevertheless, it is worth mentioning it as an example of a deposit offer with interesting conditions.
Over the 150 years of its existence, Sberbank of Russia has won the unshakable trust of the population. Today financial institution leads 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 |
|---|---|---|---|---|---|
| “Gift of Life” contribution | 5,00 % | 1 year | from 10,000 rub. | – | – |
| Deposit “Top up” | 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. | + | – |
| “Save” deposit | 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. Plastic bag " Time deposits» 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? Behind last years Sberbank increased lending volumes to 70%, while its competitors had 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 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 crowns/ 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 benefits”
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
Nominal account for crediting social payments opens at Sberbank branches for parents/guardians/trustees for the transfer of social funds specified in Article 37 of the Civil Code of the Russian Federation: amounts of alimony, pensions, benefits, compensation for harm to health and damage incurred in the event of the death of the breadwinner, as well as other funds paid to them for maintenance 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 deposits and withdrawals. But they also have the same points in their provision:
Conditions for calculating interest
- Interest is calculated monthly;
- The accrued interest is added to the deposit amount, thereby increasing income in the next month;
- 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
- If you need money before the end of the deposit, you can always get it, regardless of the reason for this;
- 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;
- 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 the deposit after the sixth month - based on 2/3 of the interest rate, established by Sberbank at the time of opening the deposit.
At early repayment 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:
- Opening deposits on special conditions for pensioners it is carried out for women over 55 years of age and for men over 60 years of age;
- Deposits for pensioners are opened with the maximum interest rate for the selected period, regardless of the deposit amount;
- If the deposit was opened before reaching retirement age, then upon reaching it, the rates automatically become maximum;
- There is no maximum amount limit;
- When claiming deposits after 6 months of the main/extended term, for which the balance exceeds the Maximum amount, the difference between the actual balance and Maximum amount In addition to the coefficient of 2/3, a reduction coefficient of ½ is applied. 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 Central Bank Russian Federation, which owns 50% + 1 voting share.
We invite you to familiarize yourself with detailed instructions How to open a deposit in the Sberbank Online system, in the document attached below.