Deposits of various types are always aimed at saving money and increasing its amount. Everyone disposes free funds differently. Some invest in real estate, cars, precious stones or metal.

Interest-bearing deposits are the most popular. Many financial institutions in our country offer such services to their customers. Sberbank in Russia has long taken a leading position and continues to hold them. He received his special status thanks to favorable conditions for the following operations:

1. Loans for clients.
2. The attachment Money.
3. transfer operations.
4. Issue of securities.

Therefore, many are interested in the conditions for investing in this institution. A significant part of the citizens Russian Federation choose Sberbank in order to put money into its accounts at interest. Such demand can be explained by the special qualities of the bank:

1. Stability.
2. Safety
3. Loyalty.
4. Reliability.

Except positive feedback consumers and a good reputation, the bank has the following advantages:

1. Choice various kinds deposit projects.
2. How to open a deposit foreign currency or in rubles.
3. Insurance for most investments.
4. High interest rates for pensioners who have opened a deposit.
5. Prompt registration of a deposit in any branch of Sberbank.
6. The way to open a deposit online.
7. Calculation of profit using an online calculator.
8. Providing early termination agreements and withdrawal of finances at any time.

Important. How much will be received from the deposit income always depends on the savings and interest included in the specific Sberbank program. Rates usually range from 0.01 to 10 percent per annum.

The deposit is in demand in our country, as it allows you to invest free money and increase it.

In order to put financial resources to an interest-bearing account, the client needs to have bank deposit in Sberbank.

Types of investments in Sberbank

To date, there are more than 10 deposit programs offered by Sberbank. Among them, everyone can choose the option that suits him, based on the accumulated funds and the investment period.

1. « savings certificate". This contribution is a security bearer, which is not subject to insurance. The certificate is relevant as a gift or for various trips. This is its main advantage. The minimum investment amount is set at 10,000.00 rubles. The term is from 3 months. The interest rate on the certificate is 8.45%. You can withdraw the invested investments and interest on them only after the expiration of the investment period.
   
2. Contribution "Save". The deposit is in demand among the population, as it implies loyal and acceptable conditions. The minimum investment is 1000.00 rubles. Investment in this project provides for an interest rate of 5.1%. The percentage varies depending on the amount and terms. During specified period it is allowed to use the calculated interest, but it is forbidden to withdraw and replenish the account. After the expiration of the term, Sberbank automatically renews the agreement, unless the client himself wants to terminate the agreement. This contribution is relevant for pensioners. They will receive income on investments at interest rates from 5.1% to 8.75%.
3. "Replenish" the deposit suggests a way to deposit additional money in an unlimited amount. The main thing is that each time it is recommended to invest an amount equal to the previous deposit. The duration is from 3 months to 3 years. The rate is set at 4.15% and above. It depends on the term and amount of the deposit. The minimum investment amount is 1,000.00 rubles, or $100. Withdrawals before the end of the term is not possible. It is allowed to withdraw and use accrued interest. At the end of the investment period, the deposit is automatically prolonged, or the contract is terminated ahead of schedule.
4. "Manage". The minimum investment to open this deposit is 30,000.00 rubles. Its validity period is from 3 months to 3 years. Such a program allows partial withdrawal or replenishment. The interest rate on it is set from 4.55% to 7.25%. Depositors monthly withdraw interest and dispose of it. It is important to remember that the replenished amount should not exceed more than ten times an initial fee contributor. When withdrawing funds, consider minimum size no reduced balance and not go beyond it. A deposit of this kind also allows you to make a deposit in dollars, the amount of money in this currency should not be less than 1000 dollars.
5. "Gift a life". It is not only profitable, but also useful, as it is charitable. The minimum investment must be at least 10,000.00 rubles for 12 months or more. Part of the funds received (0.3%) is transferred by the bank to a charitable foundation. The Foundation is engaged in supporting children with oncological and hematological diseases. The deposit assumes an interest rate of 5%. The deposit does not provide for the possibility of withdrawing and replenishing the account.
   
6. "Savings account". This deposit is perpetual, and therefore beneficial for most depositors. The interest rate on the deposit is set at 2.3%. The main advantage is that the deposit is replenished and cashed out in unlimited quantities and in any convenient currency.
7. "Good year." The minimum deposit amount must be 10,000.00 rubles. The term is 3 months. Payments are made after the end of the established deposit period. The interest rate on the deposit is 8%.
   

Regardless of how much interest Sberbank has set on the deposit, the client is sure that he will receive his profit.

Features of opening a deposit in Sberbank

There are two ways to open a deposit with Sberbank: remotely and directly at a branch of a financial institution.

For Sberbank customers who have the Sberbank Online system connected, a method of making a deposit via the Internet is available. In addition, higher interest rates per year will be set for some projects. These include:

1. Manage - 6.23%.
2. Save - 6.95%.
3. Replenish - 6.69%.

To arrange one of the deposits remotely, you need to acquire debit card or an account to which the minimum amount of funds is required to be credited. To apply online, you must do the following:

1. Log in to your personal account.
2. Go to the "Deposits and Accounts" section.
3. Select "open".
4. Select the appropriate deposit and click "continue".
5. Fill out an application in the window that opens.
6. Click "open" and wait for a response from the bank.

After the application is approved, bank employees will contact the depositor and instruct him on how to proceed.

A calculator is available on the website for clients that will calculate the estimated income. They are used in official app. The calculator gives the result of the calculation after filling in the required fields and clicking the "Calculate" item. The calculator allows you to calculate the amount that needs to be replenished additionally and takes into account many factors. Such as: The timing of the last withdrawal or replenishment of the warehouse. The more options you specify, the more the exact amount the expected income will be received by the investor.

Important. To open a deposit at the Sberbank office, you need to come to any branch with the relevant documents: a passport of a citizen of the Russian Federation, SNILS, a pension certificate if any. An agreement will be signed with the client. After that, an account is opened, on which the depositor will deposit the minimum amount, depending on the type of deposit.

Making investments in Sberbank is a profitable and practical investment, regardless of the type of deposit chosen. Wide range of programs and additional services will allow you to choose the deposit option for different segments of the population. Sberbank will help you profitably invest your savings under a large percentage and guaranteed security of investments.

Let's talk about how to choose the right deposit in Sberbank.

This question is relevant not only for investors, but even for pensioners. After all, the offers of various types of deposits, with completely different conditions, are so great that it is quite difficult for an uninitiated person to understand them.

Currently, the number of offers from Sberbank on deposits individuals very varied. Let's try to figure out which of them will be the most profitable for us, as ordinary investors

What deposits does Sberbank offer?

In order to decide which deposit suits you best, you first need to choose the deposit currency.

Deposits under Euro, Dollars, Rubles are usually used. It is also possible to open an account for an International Deposit in any other foreign currency. This is a kind of promotional opportunity for owners large sum money.

The interest on this deposit will not be high, about 1-1.5 percent, but it is compensated by the growth of the exchange rate.

As for ruble deposits, you can choose offers according to the proposed table:

Name	Minimum amount	Minimum term	Maximum percentage (annual)
save
Save Online For maximum income
Replenish To create savings
Top up Online@yn To create savings
drive
Drive Online To use part of the deposit funds without losing interest
savings account For daily free disposal of money in the account	Not limited Not limited Not limited	Indefinitely Indefinitely Indefinitely
Pension-plus of Sberbank of Russia For retirement income
International To receive additional income due to changes in the exchange rate of the currency in which the deposit is opened
gift a life To help children with oncological, hematological and other serious diseases
savings certificate To receive a higher income than on deposits*
Multicurrency of Sberbank of Russia To receive additional income due to currency fluctuations

ATTENTION: for pensioners, the most profitable deposits will be on the SAVE ONLINE deposit. Maximum bet on it is from 7%

Deposit selection service

If you are still in doubt about which deposit to Sberbank you should choose, we recommend that you look at the official website of Sberbank and use a special service for choosing a deposit and conditions.

Would you like to put money at interest in Sberbank and be able to calculate your profit in advance on a calculator? Today we will tell you about exactly what programs this organization offers, and how you can open a deposit here.

What deposits are there in Sberbank?

So, if you want to put your money into a bank account, then you will need to issue Bank deposit(deposit). On this moment there are more than 10 different options in the bank, we will consider with you those of them that are by far the most popular.

Programs issued in departments:

1. “Record” is a promotional deposit, applications for opening of which are accepted until November 30 current year inclusive. You will need to invest at least 50 thousand for a period of 7 months to 1.5 years. Profitability varies from 6.5% to 7.15% depending on the duration of the contract you choose, payment at the end of the term, without additional options;
2. "Save" - ​​a classic deposit, issued for a period of 1 month with an amount of 1000 rubles. Rate from 3.55% to 5.15% per annum;
3. “Replenish” - has the same minimum amount, but also allows you to make additional contributions to the accounts. Validity - from 3 months, profitability - from 3.20% to 4.7%;
4. “Manage” - this contribution can be made when investing an amount of 30 thousand rubles for a period of 3 to 36 months. You can withdraw part of the funds, you can replenish the account. Interest - from 2.5% to 4.4%;
5. “Give Life” is a profitable contribution that allows you to do charity work. It is necessary to invest an amount of 10 thousand rubles for 1 year, the percentage is fixed - 5.05% per year. Part of the amount is quarterly transferred to a charitable foundation;
6. Social - up to 4.25% yield, deposit size - from 1 rub., term - up to 1095 days. The conditions are identical to the program above.
7. "Savings account" - a convenient account that operates indefinitely. There you can keep any amount in any currency, unlimited withdraw and replenish. The rate will be up to 1.8% per year.
8. Retirement plus - special offer with accrual up to 3.5%. The amount is from 1 ruble. The period is up to 1095 days. Quarterly payment of interest, capitalization, termination on preferential terms, the possibility of depositing additional payments and partial withdrawals.

An online calculator has been developed to calculate your income:

How to open a deposit in person?

To make a deposit at the bank office , you only need a passport of a citizen of the Russian Federation and a pension certificate if you have one. All you need is to personally come to the nearest branch of Sberbank, sign an agreement, open an account and deposit the minimum amount there.

In the event that you want to open a deposit for your relative, close or familiar person, you will need it, drawn up and certified by a notary. It is best to take a sample directly at the bank branch so as not to be mistaken with all the necessary wording and details.

In this case, you receive a power of attorney in advance, and then come with it with a passport to the office, where you will already act on behalf of another person. There are no difficulties here, this is a very common form of service.

If you need to open a deposit, then only the “Deposit” program option will be available to you. You yourself apply to the branch, deposit the required amount (from 1000 rubles) with the possibility of further replenishment.

Your donee will be able to manage this money only after the age of majority, before that it will be possible to withdraw cash from the account only with the consent of the guardianship authorities.

Deposits in Sberbank online

If you are an existing client of the bank and are connected to the Sberbank Online system, then you can make some deposits via the Internet. At the same time, you get more high stakes, in particular:

• "Save Online" - income from 3.80% to 4.45% per annum;
• "Replenish Online" - the rate is from 3.45% to 4.10% per year;
• "Manage Online" - profit from 2.75% to 3.80%.

If you want to open a deposit remotely, i.e. via the Internet, then you first need to open any debit account or card in the bank, on which you need to deposit the amount of the minimum contribution. After that, follow these steps:

1. Go to Personal account;
2. Select the "Deposits and accounts" section,
3. Next, you need the menu item "Opening an account";
4. Explore the programs, select the appropriate option and click "Continue";
5. After that, fill out the application, where you need to specify: debit account, amount and term. Or the desired rate, and then the program will automatically select the remaining conditions.
6. Then click "continue", check the box "I agree with the terms of the deposit" and click "confirm by SMS". You need to confirm the operation with the code that will be sent in the SMS text.
7. The deposit is open, if necessary, you can get a written version of the agreement at the branch of the bank where you are served.

Suggested line deposits in Sberbank of Russia for individuals is extensive and diverse. In fact, it is not difficult to deal with them, because each type of deposit is purposefully designed for a certain category of customers. And therefore, the concept of "the most profitable deposit of Sberbank" is ambiguous and is determined for each depositor individually, based on specific conditions and financial capabilities.

Before investing in Sberbank at interest, choose the best option for yourself.

The most profitable investment of funds is determined by the interest rate: the higher it is, the more profitable the deposit will be.

The interest rate depends on:

• amounts;
• term;
• how the deposit is opened - in a branch or remotely;
• frequency of interest accrual.

When choosing, you also need to pay attention to additional features:

• replenishment, which will allow you to accumulate the required amount;
• early withdrawal if there is an unforeseen need for funds;
• capitalization of accrued interest, in which the amount of remuneration is added to the initial amount and further accrual of interest is made on total amount deposit;
• payment of the amount of accrued interest, then you can spend them.

If you have free money temporarily, it is better to open a term deposit for the period that suits you.

It should also be remembered that there are special conditions for pensioners on deposits in Sberbank.

Proposed short review will help you choose the right deposit in Sberbank.

Term deposits

The line of term deposits of Sberbank in 2017 includes the following types of deposits:

• "Save", "Replenish", "Manage";
• "Save Online", "Replenish Online", "Manage Online";
• "Special Save", "Special Replenish", "Special Manage" - with higher rates for owners of the Sberbank Premier service package;
• "Social";
• "Gift a life";
• savings account.

The main basic deposits are “Save”, “Replenish”, “Manage”, we will consider them in more detail. The rest are their varieties or represent special solutions.

"Save", "Replenish", "Manage"

Most profitable deposits in this group - "Save", today they have the highest interest rate. This deposit is convenient for depositors who own free cash and can place it for a certain period without the possibility of early withdrawal. Of course, you can terminate the contract at any time, but with the loss of all accrued interest.

"Replenish" will help to accumulate the necessary amount for a purchase or other purpose. Deposits and partial withdrawals provide the opportunity to set aside certain amounts or withdraw them in case of unexpected expenses.

"Manage" - allows you to freely manage funds: you can replenish or partially withdraw amounts without losing interest. But the minimum amount to open this type of deposit is quite high.

The main characteristics of the deposits are presented in Table 1.

"Save Online", "Top Up Online", "Manage Online"

The line of deposits "Online" differs from the names of the same name basic deposits higher interest rate.

Consider, as an example, interest rates in rubles:

• "Save Online" - from 4.05 to 5.63;
• "Replenish Online" - from 3.95 to 5.12;
• "Manage Online" - from 3.25 to 4.82.

Deposits for owners of the Sberbank Premier service package

The group of deposits with increased rates - "Special Keep", "Special Replenish", "Special Manage" is available for opening only to users of the Sberbank Premier package.

This line differs from the basic one more a high percentage rates and a large value of the minimum deposit amount.

Special deposits

Group special contributions includes 3 types of deposits.

1. "Social" - for orphans. It is opened only by employees in Sberbank branches. It is mandatory to present documents on guardianship issued by guardianship authorities.
2. “Give Life” is a contribution for charitable clients. Sberbank quarterly transfers funds in the amount of 0.3% per annum of the deposit amount to the Podari Zhizn charitable foundation. Assistance is provided to children with oncological and hematological diseases.
3. A savings account will allow you to freely dispose of funds. Daily account management, including deposits, payments, partial withdrawals.

Perpetual deposits

This group of termless deposits is represented by 3 types. All of them are replenishable, with the possibility of partial withdrawal.

1. “On demand of Sberbank of Russia”, an analogue of a current account.
2. "Universal Sberbank of Russia" is recommended for making transfers and payments, a reliable and convenient tool.
3. Nominal account for enrollment social benefits. It is opened only in Sberbank branches in the name of parents, trustees or guardians to receive funds for the maintenance of minor children or incapacitated citizens.

Contributions for pensioners

For pensioners, Sberbank has developed special program"Golden Years", within which the deposit "Pension + Sberbank of Russia" and special preferential terms by deposits:

• "Save"
• "Save Online"
• "Replenish"
• "Replenish Online".

Higher interest rates and the absence of conditions on the value of the minimum amount will allow people of retirement age to receive additional benefits.

The most profitable deposits are placed on more long term, without the possibility of replenishment and withdrawal, opened remotely through ATMs, terminals or the Sberbank Online application.