Maximum interest on Sberbank deposits, for individuals for 2017: rubles - 6.49% per annum (on promotion days - up to 10.00% per annum), dollars - 1.06%, euros - 0.01%.

We are already accustomed to the fact that interest rates on Sberbank deposits are the lowest among similar “products” of other Russian banks.

The bank’s policy “makes it clear” that we are the “largest” and “reliable”, and you will still come to us, no matter what rates we approve.

The policy is of course “controversial”, because in almost all banks of the Russian Federation that accept deposits from the population, all amounts of Citizens are insured by the State (I now mean deposit amounts up to 1.4 million rubles).

And about the “large” ones I will say only one thing - competitors represented by VTB 24 (its “daughter” Post Bank - together, as they say, “we are strong”), are rapidly opening new offices, developing a whole range of innovative financial programs and tools are slowly being taken away from the “dormant” Sberbank, regular customers.

Well, okay, let’s not understand the intricacies of banking policy, but let’s focus on Sberbank’s deposit programs.

2. Deposit program "Replenish" - with replenishment option

Unlike the program described above, a replenishment appeared in this deposit. You can top up your deposit with an amount starting from 1,000 rubles, throughout the entire period of stay.

The maximum rate on deposits in rubles is up to 6.23% per annum.

Interest is accrued monthly and can be transferred back to the deposit, i.e. use capitalization, or withdraw for “personal needs”.

The deposit period is from 3 months to 3 years. The most favorable rates according to the “Replenish” program, “lie” in a time period from 6 to 12 months.

The interest rate depends on the amount and term of the deposit (see interest table).

You have the opportunity to increase the percentage current deposit, if you can replenish the deposit, until the next amount gradation.

Deposit amount	3-6 months	6-12 months	1-2 years	2-3 years	3 years
from 1,000 ₽	5,20 (5,22*)	5,65 (5,72)	5,35 (5,48)	5,15 (5,41)	5,00 (5,38)
from 100,000 ₽	5,35 (5,37)	5,80 (5,87)	5,50 (5,64)	5,30 (5,58)	5,15 (5,56)
from 400,000 ₽	5,50 (5,53)	5,95 (6,02)	5,65 (5,80)	5,45 (5,74)	5,30 (5,73)
from 700,000 ₽	5,70 (5,73)	6,15 (6,23)	5,85 (6,01)	5,65 (5,97)	5,50 (5,96)
from 2,000,000 ₽	5,70 (5,73)	6,15 (6,23)	5,85 (6,01)	5,65 (5,97)	5,50 (5,96)

For deposits in dollars from 0.01 to 0.90% per annum. Very low rates on euros - 0.01% per annum.

Minimum deposit amount: ₽ - 1,000, $ / € - 100.

For pensioner deposits, the maximum rate for the temporary period applies, regardless of the deposit amount.

Early termination before 6 months threatens to recalculate the rate to 0.01% per annum. If the “deposit life” is more than 6 months, you will keep 2/3 of the rate assigned on the opening day.

3. “Manage” deposit program - with replenishment and partial withdrawal

The "Manage" program allows the depositor to replenish and partially withdraw the deposit throughout the entire period.

Here the lowest interest rate, figuratively speaking, the difference in interest was “used” to pay for the options.

The maximum you can get: in rubles up to 5.77% per annum(term 6 - 12 months, amount from 2 million rubles, capitalization), in dollars up to 0.60% per annum, euro - standard 0.01% per annum.

The minimum deposit amount (when compared with the “products” described above) has “grown up” a little - 30,000 rubles, 1,000 dollars / euros.

Partial withdrawal of money from the deposit is allowed only up to the minimum balance level. Withdrawals below this level are subject to loss of interest (see early termination rules).

You can top up your deposit with the following amounts: 1,000 rubles, 100 euros/dollars.

Each investor manages the accrued interest (calculated monthly) individually: either transfers it for capitalization or withdraws it for “personal needs.”

Deposit amount	3-6 months	6-12 months	1-2 years	2-3 years	3 years
from 30,000 ₽	4,85 (4,87*)	5,20 (5,26)	4,60 (4,70)	4,35 (4,54)	4,10 (4,35)
from 100,000 ₽	5,00 (5,02)	5,35 (5,41)	4,75 (4,85)	4,50 (4,70)	4,25 (4,52)
from 400,000 ₽	5,15 (5,17)	5,50 (5,56)	4,90 (5,01)	4,65 (4,86)	4,40 (4,69)
from 700,000 ₽	5,35 (5,37)	5,70 (5,77)	5,10 (5,22)	4,85 (5,08)	4,60 (4,92)
from 2,000,000 ₽	5,35 (5,37)	5,70 (5,77)	5,10 (5,22)	4,85 (5,08)	4,60 (4,92)

* - rates for interest capitalization.

The deposit period is from 3 months to 3 years.

You can actively replenish your deposit and increase your bet, reaching the amount of the next gradation.

Early termination: up to 6 months of validity of the “active” deposit - at a rate of 0.01% per annum, upon termination from 6 months - 2/3 of the interest rate in effect at the time of opening is retained.

4. “Gift of Life” deposit program - charitable assistance

Contribution to help sick children who suffer from severe oncological, hematological and other diseases.

Charitable assistance consists of the fact that the bank, once a quarter, transfers 0.3% per annum (of the deposit amount) to the Gift of Life Charitable Foundation.

I think that among investors there are hardly people who are indifferent to such help.

Maximum deposit rate - 6.45% per annum. Such interest is given on a deposit with capitalization.

If you do not want to take advantage of capitalization, then the base rate is 6.30% per annum.

The minimum deposit amount is 10,000 rubles. Savings are accepted only in rubles, for a period of 1 year.

The "Gift of Life" program does not provide for replenishment operations and partial withdrawal.

Interest is calculated once every 3 months.

Early termination, as in other Sberbank programs: up to 6 months - recalculated at a rate of 0.01% per annum, after 6 months - 2/3 of the rate in effect at opening is retained.

5. “Pension Plus” deposit program - special for pensioners

For pensioners who receive their pensions into their account Pension Fund RF, Sberbank has developed special program- "Pension Plus".

I don’t know where you can find a rate lower than in this “product”. Interest rate with capitalization - 3.67% per annum in rubles.

The deposit is opened for a period of three years. The minimum opening amount is 1 ruble.

Let this deposit come with replenishment (unlimited) and partial withdrawal (up to the minimum balance), but such a low rate for completely “impoverished” pensioners is “shameful and insulting.”

And Dear pensioners, I can only advise that if you decide to make a deposit in Sberbank, and want to replenish it and partially withdraw it, then pay attention to the “Manage” program, the rate there is 5.77% per annum.

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

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

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

"Save"

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

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

The rate depends on several factors, namely:

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

The table above shows the standard ruble rates, valid for all clients who decide to open a deposit remotely. What's interesting here:

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

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

Let us remind you that in 2019 major Russian banks They offer to place dollars on deposit at an average interest rate of 3%.

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

Other options for the “Save” deposit:

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

"Replenish"

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

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

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

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

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

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

"Manage"

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

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

Terms of the “Manage” deposit:

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

Sberbank special deposit for elderly people

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

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

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

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

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

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

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

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

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

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

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

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

Deposit terms:

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

Another contribution called “Gift of Life” is no different high stakes, but it is not intended for enrichment, since its main task is to help sick children. It provides for the following conditions:

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

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

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

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

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

Social accounts

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

Social

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

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

Nominal

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

Deposit terms:

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

Algorithm for opening a deposit

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

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

In contact with

Sberbank, which in mid-October raised the rates of all dollar deposits by 0.01-0.26 percentage points, on Thursday offered depositors two new New Year's ruble deposits with increased income - “Simply 7%” and “Simply 6.5%”.

Deposit “Simply 7%” with maximum rate 7% per annum can be obtained via Internet banking and mobile application Sberbank online, as well as at Sberbank ATMs. The “Simply 6.5%” deposit with a maximum rate of 6.5% per annum is available in all Sberbank branches serving individuals, the bank’s statement indicates.

Sberbank deposits for individuals in 2017. When can you open new profitable deposits “Simply 7%” and “Simply 6.5%”.

Deposits “Simply 7%” and “Simply 6.5%” can be opened until December 31, 2017. Both deposits are opened for 5 months in an amount of at least 100,000 rubles. Interest is calculated at the end of the term. Additional contributions and expense transactions on deposits are not provided.

According to I. O. Director of the “Borrow and Save” division of Sberbank Maxim Stepochkin, new deposits are an opportunity for clients to “place their money reliably and profitably.”

Sberbank deposits for individuals in 2017. What was the maximum interest rate on Sberbank deposits before?

Before the appearance of new deposits, the maximum rate of a retail deposit opened in a Sberbank branch was 5.1% per annum, and remotely - up to 5.6%. Both rates are assigned for placements of at least 700,000 rubles for 3–6 months. Thus, after the introduction of new deposits, the maximum rate at Sberbank increased from 5.6 to 7% per annum. Last time, seasonal deposits with a rate of 6.5-7% per annum Sberbank offered to investors in July-August 2017

Interest rates on deposits in rubles and savings certificates of Sberbank, latest news.

Simultaneously with the introduction of new deposits, Sberbank changed rates on deposits in rubles and savings certificates. Investment rates for periods from 6 months to a year have been increased by 0.05 percentage points. And for terms from 2 to 3 months and from 1 to 3 years, on the contrary, they were reduced by 0.05-0.25 percentage points.

At the same time, the maximum rate in the basic line of deposits has decreased and is 5.50% ("Save online" deposit for a period of 6 months to 1 year).

Sberbank deposits for individuals in 2017, new profitable deposits"Just". Comment from Sberbank.

On the one hand, this was a consequence of the decline key rate The Central Bank, on the other hand, is caused by the interest of clients in placing ruble funds in medium-term deposits of up to a year, Sberbank explained to Vedomosti.

According to unconsolidated financial statements Sberbank, since August the volume of funds of individuals in it has gradually decreased: from 11.636 trillion rubles. up to 11.515 trillion rubles. on November 1st. The bank in its commentary indicated that in October the volume of funds raised from the public increased, including due to the attraction of more than 30 billion rubles. from individuals as part of the bank's bond issue. The ruble strengthening factor leads to a decrease in the nominal value foreign currency deposits, but in real terms, taking into account investments in the bank’s bonds, growth is observed, a Sberbank representative said.

“The short-term offer of deposits with increased income is a matter of regulating the funding structure, which from time to time requires balancing. Perhaps seasonal contributions are needed in order to balance outflows from other segments, which may be associated with some seasonal reasons. Also the emergence of large banks seasonal deposits may be due to the need for additional ruble liquidity,” lists the managing director of the National rating agency Pavel Samiev.

Sberbank deposits of individuals 2017, interest on deposits

Sberbank launched new deposits “Simply 7%” and “Simply 6.5%”, dedicated to the upcoming New Year.

The “Simply 7%” deposit with a maximum rate of 7% per annum can be issued in Internet banking and the Sberbank Online mobile application, as well as at Sberbank ATMs. The “Simply 6.5%” deposit with a maximum rate of 6.5% per annum is available in all Sberbank branches serving individuals.

“On New Year’s Eve, Sberbank gives its clients new opportunity securely and profitably place your money,” commented the acting director. Director of the “Borrow and Save” division of Sberbank Maxim Stepochkin. “The advantages of the “Simply 7%” and “Simply 6.5%” deposits include an attractive interest rate for fairly small amounts.”

Deposits “Simply 7%” and “Simply 6.5%” can be opened until December 31, 2017 inclusive. Both deposits are opened in rubles, the placement period is 5 months. The minimum deposit amount is 100 thousand rubles, interest is accrued at the end of the deposit period. Additional contributions and expense transactions on deposits are not provided.

VIP status implies not only personal service, consultations and increased attention, but also special monetary contributions.

For clients Sberbank Premier deposits available for individuals with higher interest rates.

Service for owners takes place in special branches of the bank. There are several ways to arrange it:

1. Visit the nearest Sberbank branch for prime clients.
2. Make a deposit by logging into your personal account.

To register in your personal account you need to follow a few simple steps:

1. Paste plastic card to the ATM. Enter password.
2. Find the "Internet Service" option.
3. Find the “Connect Sberbank Online” button on the screen.
4. Next, find and select “Print ID and Password.”

Registration mobile banking can be done via a message sent by mobile phone: Send a message with the word “password” to the short number 900. You will receive a message in response containing the information required to complete registration.

You can activate the service simply by visiting the nearest branch.

After you have completed registration, log into the Sberbank-online website and enter the received data in the required fields.

Special contributions

The Premier package of services is designed for an audience that values ​​their time and finances. That is why the bank made remote control possible.

For clients Sberbank Premier in 2017 the following deposits are valid for individuals.

Offers the following conditions:

1. The minimum amount for a ruble deposit is 1 million rubles.
2. For foreign currencies this amount is 100 dollars or euros.
3. It is not replenished and does not provide for the possibility of partial withdrawal.
4. Interest is accrued monthly. They are added to the money in the account, increasing the profitability for the next period; they can be withdrawn and transferred.
5. The minimum shelf life is 3 months, the maximum is 3 years.

Registration is subject to the following conditions:

1. The period is calculated individually and includes every day, but cannot be less than 3 months and more than 3 years.
2. Currencies: rubles, dollars and euros.
3. The minimum amount for rubles is 1000 rubles, and 50 for foreign currencies.
4. Replenishment is available and ranges from 1000 rubles and 100 in euros and dollars. Cashless replenishment has no restrictions. There is no possibility of partial withdrawal.

The accrual is monthly, with an addition to the total amount, increasing the profitability of the operation.

Provided under the following conditions:

1. Minimum period 3 months, maximum 3 years.
2. Currency is rubles, euros and dollars.
3. The minimum amount is 30,000 rubles for ruble, and 1000 for foreign currency.
4. Replenishment is possible. For rubles from 1000 and 100 in euros and dollars. Cashless replenishment is not limited.

Interest in 2017 for deposits of individuals of the Sberbank Premium package p are presented in the table:

What to choose

The choice depends on several factors. First, you need to decide on a goal. Do you want to withdraw Money in partial or full amount? The amount of planned income. Are any operations with money planned in the future, for example, transfers, or should they simply be stored?

The special “Replenish” option is suitable for saving and receiving high incomes. As you can see from the table, it offers the highest interest rates on offer.

“Save” is an ideal option for those whose financial lives are dynamic, when the timing of the deposit money can change dramatically.

“Manage” will allow you to freely manage your money and at the same time receive a high income.

The registration process takes place in several stages:

1. First you need to visit any Sberbank branch.
2. Find out the addresses of special service centers.
3. Present your passport to your personal manager;
4. Conclude an agreement for the provision of premium services.
5. Conclude a deposit agreement.
6. Deposit money.

All benefits

Special status provides the following pleasant bonuses:

1. Increased interest rates compared to standard banking products.
2. Choosing a deposit allows you to manage your finances in in full and manage them depending on your needs.
3. Most deposits are in rubles. Any foreign currency is also available.
4. Interest accrues monthly. They can be cashed and transferred.
5. You can extend the offer as many times as you like.
6. Possibility to draw up a power of attorney or will for management Money by a third party.
7. Since the proposals are designed for wealthy people, you can get money if necessary at any time.

Remote registration

Registration via the Internet can be done in a few simple steps:

1. Log in to your personal account on the Sberbank website.
2. Go to the “Deposits and Accounts” section.
3. Go to the "Open a deposit" option.
4. Please read the proposed terms and conditions carefully. Select an offer that suits you and click on the “Continue” button.
5. Fill out the application form, select an account and the amount to be credited. Click on "Open".
6. Ready.

Choose an offer that most fully reflects your goals and will help you realize new opportunities, increasing your capital.

In unstable economic times in our country, few people dare to do bank deposits. However, if you are going to make a deposit, then only in a reliable, stable bank, which was practically not affected by crisis times.

This is exactly what Sberbank is, serving a third of banking system countries.

If you open a deposit, then only in Sberbank. Russians think so and trust the bank with funds. Let's consider the entire line of Sberbank of Russia deposits in 2019 with interest rates for today.

Problems in the economy did not shake Sberbank and bank deposits remained profitable. New offers have appeared, with new conditions and rates.

The previously popular line of Sberbank deposits for individuals in 2019 “Save online”, “Replenish online”, “Manage online” “gave in” a little in percentage, but not everywhere. Rates on some types of deposits are lower on average by 0.5–1%, but there is an increase of 0.15–1.8%, especially for foreign currency investments. Rates on deposits opened online or in a bank office have become different. If you open a deposit online via the Internet on the official website of Sberbank, then your rate will be on average 0.15% higher than if you open a deposit with the same name, but in the bank’s office. Sberbank, therefore, encourages its future and current clients to move to the Internet.

It is worth noting that the conditions for deposits for pensioners have become more interesting. In 2019, Sberbank increased rates on savings deposits and accounts for receiving pensions.

Time deposits of Sberbank in 2019

Today Sberbank offers six types of time deposits.

"Save"

This deposit in Sberbank promises reliable preservation and replenishment of your savings. The interest rate on the deposit varies from 4.05 to 5.75% per annum if the deposit is in rubles, from 0.01 to 1.85% in US dollars.

Deposit term from 1 month to 3 years. It is not possible to replenish the deposit or partially withdraw funds during the initially stated period. Minimum deposit amounts: 1,000 rubles, 100 dollars or 100 euros.

Interest on the deposit is accrued every month and is automatically added to the deposit amount, so that next month they are already accrued for the increased amount. Accrued interest on the deposit can be cashed out or transferred to the account bank card Sberbank.

"Replenish"

The interest rate on this deposit ranges from 4.6 to 5.3% per annum for deposits in rubles. For dollars and euros - from 0.01 to 1.45% per annum. You can invest funds for a period from 3 months to 3 years inclusive. The deposit remains replenished. However, you cannot reduce the amount initially invested or replenished. You can easily withdraw interest on your deposit and transfer it to your card. Minimum amount: 1,000 rubles, 100 dollars or 100 euros.

“Top up” in the child’s name

Sberbank gives parents the opportunity to open a personal deposit for minor child, which can only be closed upon reaching 18 years of age. The minimum amount for placement is 1000 rubles or 100 dollars, and the rate will be 4.6–5.15% for ruble deposits and 0.01–1.15% for dollar deposits. The account can be replenished by any person without restrictions, but savings are cashed out only upon reaching the age threshold or through permission from the guardianship authorities.

"Manage"

A special feature of this deposit is the possibility of partial withdrawal of funds during the deposit process, without closing or losing interest. Interest rates deposits are 4.3–5% for deposits in rubles, depending on the amount of the deposit. The interest rate for dollars is from 0.01 to 1.35% per annum. The deposit period is from 3 months to 3 years. The deposit can be replenished and partially withdrawn. You can control the movement throughout the term of the deposit, hence the name. Minimum deposit amount: 30,000 rubles or 1,000 dollars.

"Social"

Special deposit for children left without parental care and investors with the status of a veteran or disabled person of the Second World War. Opens for 3 years, freely replenished and spent as needed. Interest is set at 4.75% per annum and is calculated at the end of each quarter. "Earned" in excess initial capital funds can be transferred to a third-party account or returned to the deposit for subsequent capitalization. The minimum amount for making a deposit is 1 ruble.

"Gift a life"

This charitable contribution. Every 3 months, 0.3% per annum is transferred from the deposit to the fund for helping children with oncological, hematological and other serious diseases. The interest rate on the deposit is 5.65% per annum. The deposit is exclusively in rubles, and the minimum amount is 10,000. The deposit is made for a period of 1 year; during this period funds cannot be replenished or partially withdrawn.

Online deposits

In the line of Sberbank deposits: “Save”, “Replenish” and “Manage” - there are options for opening deposits with the same names via the Internet. The conditions are similar, but slightly different.

To open a deposit, go to the “Sberbank online” or “ Mobile bank", select the "Deposits and Accounts" section, then "Opening a Deposit". Be sure to read the conditions for placing and withdrawing funds on deposit accounts, then select the conditions and interest rates that suit you and click the “Continue” button. Fill out the application, indicating the amount to be credited to the deposit and the term, then click “Open”. After that, you can consider yourself an investor.

Interest rates on deposits opened online via the Internet are higher by 0.15% per annum.

"Pension plus"

The “Pension Plus” deposit - what makes it special? The essence of the deposit is that the pensioner does not withdraw the entire pension upon receipt of the account, but leaves part of the funds there for accumulation at 3.5% per annum in rubles. The deposit period is 3 years, during the entire period the “fireproof” amount can be replenished and partially withdrawn.

Deposits with higher rates

For owners of the Sberbank First or Sberbank Premier service package, deposits with increased annual rates are available. The standard annual rate increases by 1%, which for an amount of at least 700–5000 thousand rubles. or 50–150 thousand.e. will bring high returns to the investor. A similar deposit is made with personal manager or in personal online account for an individual period and with special conditions.

Special accounts

In addition to standard consumer deposits, you can also open special deposits at Sberbank. Among them:

• for social payments for the maintenance of the ward. Minimum an initial fee to activate the line is not set, replenishment and spending are free, and the rate is fixed at 3.5%;
• to form an electoral account. No additional income on the balance and no restrictions on spending and account formation;
• for the procurement participant. Opens ahead of schedule, is replenished unlimitedly and is spent within the amount deposited with a yield of 0.01% annually.

savings account

It is an account for free and confident management of savings. Opens indefinitely, replenished and spent at the request of the depositor. Available in three currencies: rubles, dollars and euros. Annual rates range from 1–1.8% for ruble deposits and amount to 0.01% for foreign currency investments. The higher the deposit amount, the higher the interest rate.

Current account

For daily use, a perpetual deposit in rubles without restrictions and accrual of 0.01% every year is suitable.

Poste restante

A basic Sberbank deposit that is valid for an indefinite period and offers unlimited movement limits on the account. Suitable for any world currency, including rubles, dollars, euros, pounds sterling, crowns and yen. The minimum amount and minimum balance is 10 rubles, 5 USD. or equivalent to 5 US dollars others banknotes. The deposit is replenished by any amounts throughout the entire period of existence, and withdrawn up to the minimum starting deposit. Interest in the amount of 0.01% is accrued quarterly, and in case of early demand is calculated based on the actual storage period.

It is worth noting that Sberbank deposits, of course, provide for early withdrawal of funds if you need them. However, it is not recommended to withdraw money early, as you will lose accumulated and future interest on the deposit. Interest rates for early withdrawal and closing of the deposit are immediately reduced to 0.01%, regardless of how long the money has already been in the account. You are violating the terms of the deposit agreement, so the bank has the right to reduce rates. Even if you previously withdrew or capitalized the already accumulated interest, they will give you the money, taking this interest back.