Hello dear readers. Today we will talk to you about deposits in Sberbank for individuals, namely, we will choose those with the most profitable interest rates for 2019. I think, for starters, it’s worth mentioning that Sberbank is the largest bank in Russia, as well as one of the most stable among all that currently operate in the CIS countries (not taking into account those that “represent” foreign capital in the post-Soviet space).
Considering the above, and also taking into account the high interest rates on deposits, we can say without falsehood that Sberbank is the best financial institution for opening a deposit, including for pensioners, for 2019.
It is worth paying your attention to such a point as insurance of deposits of individuals. Many people miss this point, but it is important. According to the current Russian legislation all deposits of individuals are insured in case of license revocation from banks (the same applies to Sberbank clients). Maximum amount The insurance payment (if the bank's license is revoked) is 1.4 million rubles.
That is, if the amount of your deposit in Bank “N” was 1.5 million rubles and for some reason this financial institution cannot return the money to its depositors (including you), the state is guaranteed to compensate you 1,400,000 rubles. Alas, you will have to return the remaining 100 thousand rubles through the court.
In this article I will take into account such ruble/currency deposits as:
- Replenish;
- Save;
- Manage.
When analyzing each of them, you will understand why these particular ones were chosen for review, but read about that further. Who needs a calculator to calculate potential profit - go to this site: bankiros.ru/bank/sberbank/deposit-calculator.
Deposit “Replenish” - interest rates on deposits for today
Any Sberbank client can open this deposit and can make a minimum deposit amount: 1000 rubles, 100 dollars or 100 euros. Money can be deposited in a bank at interest for a period from 3 months to 3 years (for deposits in euros minimum term is 1 year, and the maximum is 3 years).
When you make a “Replenish” deposit, you have the opportunity to independently choose how to manage the interest: either the money will be transferred to your card every month and you will be able to dispose of it freely (for example, withdraw it at a cash register or through an ATM), or this amount will be added to to the deposit amount (thereby increasing the income from the deposit next month).
You will be able to prolong (re-deposit) the deposit immediately after the end of the current agreement. It is also worth noting that if the amount of your deposit exceeds the next gradation amount, the interest rate will increase automatically.
For example, the initial amount of your deposit was 90,000 thousand rubles, and the term was 3 years (which corresponds to 3.7%). After 12 months, you decide to increase the deposit by 10 thousand rubles, then for the 13th month the interest rate on the deposit will be 3.85%.
Another important point is that you can terminate the agreement with the bank and withdraw the money at any time when the need arises. However, do not forget that you will lose part of the income from the deposit.
The “Top up” deposit at Sberbank is beneficial for pensioners not only because of its high interest rate, but also because of one very interesting condition that is also valid in 2019. It consists in the fact that, regardless of the amount, the deposit will “receive” the maximum rate for the selected period.
That is, you decided to open this type of deposit for 12 months, then the interest rate on it will be 4.65% (as for amounts over 2 million rubles). And this is regardless of whether you want to deposit 1000, 10,000 or 500,000 rubles into the bank.
Advantages: Possibility of replenishing the deposit with any amount of money;
- The highest interest rate is for deposits made for a minimum period.
Flaws:
Deposit “Manage” - interest rates on deposits today
This type of deposit differs from the previous one, first of all, in the minimum deposit amount, which is 30 thousand rubles, 1000 euros and 1000 dollars. The terms of deposits remain the same (the condition about the euro is also unchanged - from 1 to 3 years), but the interest rates on the deposit have been changed, as you can see in the screenshot below.
The “Manage” deposit has similar conditions for terminating the contract as “Replenish” - if necessary, money can be withdrawn at any time. The same applies to deposit extension.
You can dispose of the interest on the deposit at your own discretion - add the amount of income to the deposit amount or transfer the interest to the card from further opportunity cash out money.
The most important difference between the “Manage” deposit and other deposits is the absence of preferential interest rate conditions for pensioners, which I mentioned at the end of the previous section. Undoubtedly, this is a huge disadvantage of this type of deposit for older people.
Advantages:
- Possibility to increase the deposit amount at any time by any amount;
- Possibility of partial withdrawal of money from the deposit.
Flaws:
- Lack of preferential conditions for pensioners and people of pre-retirement age;
- High minimum deposit amount.
“Save” deposit - interest rates on deposits for 2019
The only type of deposit, according to the terms of which an individual does not have the opportunity to replenish the deposit amount. The remaining basic conditions are similar to those provided for in the “Manage” deposit (of course, except for the interest rate and some nuances, subject to early termination of the contract).
I would also like to note that Sberbank clients of pre-retirement age who have made a “Save” deposit will receive an automatic transfer to best rates possible upon reaching retirement age and in case of prolongation of the deposit. Similar conditions apply to Manage investors.
Advantages:
- The highest interest rate is for deposits issued for a maximum period.
Flaws:
- It is impossible to replenish the deposit amount before the expiration of the contract;
- It is not possible to make partial withdrawals from the deposit.
Which deposit for pensioners is better to choose and why Sberbank?
Interest rates at Sberbank are far from the highest compared to others Russian banks. But why you need to choose this particular financial institution, I already said at the very beginning of this article - stability and guarantee of payment.
This is especially important for pensioners who have worked half their lives and want to devote the remaining half to relaxation and avoid possible financial difficulties and proceedings with banks. I don’t want to impose my opinion on you, but Sberbank is the “place” where your money will be safe and sound, and most importantly, it will increase thanks to acceptable interest on deposits.
As for which contribution to choose, I personally would prefer “Manage”. It allows pensioners to have the opportunity (regardless of the amount) of the highest interest rates for a deposit for the term of the agreement (I gave an example above in the corresponding section in this article), but also to replenish their deposit at any time with any amount of money.
Don’t forget that if you have any questions regarding the terms of deposits, you can always contact online support on the official website of Sberbank, visit a bank branch (fortunately in Russia they are in every city, town or village) or call short number 900 from a mobile phone.
Savings deposit - universal
I simply could not complete this article without offering another alternative deposit option that is suitable for any category of the Russian population. It can be opened in rubles and dollars, as well as in euros.
The main advantage of the Savings deposit is that it can be linked to a bank card that you regularly use (it could even be a pension card). Replenish or withdraw money from your account at any time and in any available quantities - under the terms of this deposit, the interest rate is calculated at the end of each month on the amount that remains on the card on the 30th/31st.
The interest rate on this deposit is not high, but the term of the agreement is not regulated.
The Savings deposit is an ideal solution for those people who often make financial operations With personal account(deposit or withdrawal of funds).
Registration of deposits for pensioners in Sberbank in 2019. general characteristics deposits, conditions and procedure for their execution. Interest rates and comparison of offers.
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At the same time, many keep funds at home, exposing them to the risk of actual loss and depreciation.
But a certain part of pensioners opens accounts and deposits, which increases the security of savings and provides some guarantee of their return.
General points
Most banks can offer pensioners special conditions for cooperation and it does not matter whether we are talking about loans, deposits or other financial products. Sberbank in in this case is no exception.
Being oldest bank in Russia, Sberbank offers and tries to comply modern trends and offers products, including deposits, that are designed for each category of potential clients.
Deposits for pensioners also differ in their characteristics. As a rule, standard programs are offered.
It could be ordinary savings book and, for example, “Save” or “Manage” deposits, but the difference is that there are some differences for pensioners.
They won't be coordinated General terms will remain the same, but there may be some relative benefits early withdrawal funds or other matters.
There are also special programs for retirees. For example, the “Pension-Plus” deposit. It is available only to pensioners and offers special conditions.
What you need to know
Making a deposit is the transfer of funds to the bank for the purpose of preserving them and making a profit. However, you should not expect huge profits.
As a rule, deposit rates are so low that they do not even compensate for the level of inflation.
However cash deposit still has its significant advantages:
| Ensuring the safety of funds | By keeping money in a bank, you can be sure that it will not be overtaken by physical destruction, it will not be subject to damage, theft or other emergency situations. If the bank is reliable, then the chance of saving your finances is much higher than if you keep them at home |
| Program state insurance deposits | The state will compensate for the losses of an individual (up to seven hundred thousand rubles), even if the bank is declared bankrupt or is canceled for any reason |
| Cash growth | Any deposit involves the accrual of interest to the bank client. And even if it is small, it will be more profitable than not having it when storing funds at home. It is these reasons that force citizens to issue bills. |
| Sberbank has the most developed network of offices throughout the country | You can always find its branches in almost any part of the city |
| Sberbank offers clients | Wide range of options for managing deposits online |
| Government support increases its reliability | Citizens are confident that Sberbank will operate successfully in the future |
| The bank has shown its reliability and has passed the “test of time” | It has existed for quite a long time and its clients are about seventy percent of the Russian population |
In the last few years, both convenience and quality of service have increased significantly.
The queues have been significantly reduced, the process of processing transactions and payments has become faster. All this speaks of the bank’s desire to comply with modern trends and its development.
Contact Information
Information about the bank, its services, and areas of work can be found on its official website http://www.sberbank.ru.
Available in both standard and customized versions mobile devices. The website has a contact form, as well as all the necessary information.
If there is no access to the network, as well as in cases where the answer to the question based on the data from the portal was not found, you can call hotline (900).
It is available around the clock, the operator will connect you with the right specialist and answer all your questions. It is worth remembering that any messages from the bank come only from this number.
If it is different, then the message is from scammers. The bank has created the largest network of offices in Russia. They are found in every city, as well as in many smaller towns.
Online service management is also available. The central office of the bank is located at the address: Russia, Moscow, st. Vavilova, house 19.
The legislative framework
Sberbank's activities fully comply with legal requirements. He is licensed to carry out banking, and the texts of its agreements and activities in general do not contradict the norms.
It defines the basics of civil legislation, including the institution of deposits and), as well as the following legal acts:
There are also many by-laws that must also be followed.
Conditions for opening profitable deposits for pensioners in Sberbank
To open special contribution For pensioners, the investor must meet the following conditions:
- He must be a citizen of the Russian Federation and have a document that will confirm his identity. It is best if it is a general passport.
- He must be fully capable.
- The investor must be a pensioner and have a document that confirms this fact.
There are no additional requirements. Opening a deposit is much easier than where checks are carried out on the client and a list of required documents is presented.
The conditions and requirements will be the same throughout Russia, including Sberbank of Moscow. Deposits for pensioners will also be available.
Required documents
To register a deposit for a pensioner, you only need to provide a few documents:
The bank has the right to request additional documents. But in practice, most often, the matter is limited to those indicated.
Requirements for depositors
The requirements for depositors are also quite loyal. As for deposits for pensioners, they look like this:
- The pensioner must provide all the necessary documentation, including paper confirming his status.
- The investor must be fully capable.
As a rule, no other requirements are imposed. The client's age is not limited.
The deposit can be inherited, including by will. The pensioner also has the right to issue a power of attorney to any person to dispose of it.
List of deposits
The bank offers several deposit options for pensioners, each of which has its own characteristics.
| Deposit type | Conditions and features |
| Save | Rate up to 5.15 percent. Duration from one month to three years. Not replenished. Partial withdrawal is not possible. |
| Save online | Rate up to 5.63 percent. Duration from one month to three years. Not replenished. Partial withdrawal is not possible. Monthly interest accrual |
| Replenish | Rate up to 4.62 percent. Deposit replenishment available. Partial withdrawal is not possible |
| Top up online | Rate up to 5.12 percent. Date from three months up to three years. Deposit replenishment available. Partial withdrawal is not possible |
| Pension plus | The rate is 3.67 percent. Duration: up to three years. Refillable. Partial withdrawal is possible. Non-reducible balance - 1 ruble |
The main difference between deposits from the “online” line is the ability to open them online and fully manage them through your personal account.
Deposits for pensioners with maximum interest You can apply for it at Sberbank using the “Save Online” program.
However, this type of deposit also has its own characteristics, which must be considered carefully.
Is it possible to apply online?
“Save online” and “Replenish online” deposits can be made via the Internet. To do this you need to follow some steps:
- Go to the bank’s website at http://www.sberbank.ru.
- Select the “deposits” section. The full menu with sections is at the bottom of the page.
- Select the option you are interested in and click “open deposit”.
- Go through authorization. You will need a login and password from personal account, as well as the presence of a mobile phone.
- Fill in all the required data.
- Click "open".
What are the interest rates today
Interest rates on this moment will differ for each program. Thus, when choosing the “Pension Plus” deposit program, you can count on 3.67 percent for each year.
The rate for the "Save" programs will be 5.15 percent, "Save Online" - 5.63 percent, "Top Up" - 4.62, and "Top Up Online" - 5.12 percent.
It should be understood that the indicated rate is the maximum and will also depend on the term and the initial deposit amount.
Most large percentage will have long-term deposit for a large amount under the “Save Online” program.
Advantages and disadvantages
Like any banking offer, deposits for pensioners from Sberbank have both a number of positive features and a number of negative ones.
The positive ones include:
- Protection (albeit sometimes partial) of funds from depreciation.
- State deposit insurance program for up to seven hundred thousand rubles.
- Protection financial resources from physical damage.
- Some additional benefits for retirees.
- The possibility of inheriting deposits, as well as granting a power of attorney for its management to any legally capable person.
- For some programs, interest may be calculated automatically monthly.
The disadvantages include the following:
- Enough low percentage compared to the inflation rate and offers from other banks.
- Lack of protection for deposits worth over seven hundred thousand rubles.
- Lack of significant benefits for pensioners, as well as a significant increase in interest rates.
In any case, making a deposit has more advantages than disadvantages. And it's better to store cash V reliable bank rather than risk them by storing them at home.
You can make a deposit for a pensioner quite quickly and without much effort. The requirements for depositors are minimal, including regarding required package documents.
New Sberbank deposit “Catch the Benefit” with an increased rate
It replaced the “No Passport” and “Big Plans” promotional deposits, which expired on January 31. “Catch the Benefit” is a seasonal deposit of Sberbank for individuals, including pensioners, which is attracted in rubles (minimum amount 50,000 rubles) for a period of 5, 12 and 18 months.
Like many similar deposits, “Catch a Profit” has limited options for managing money.
The deposit account cannot be replenished; there is also no possibility of partial withdrawal of money without loss of interest.
Why then is it remarkable? First of all, its interest rate. To better evaluate the advantages of the “Catch the Profit” deposit, let us recall the profitability of other Sberbank deposits.
Namely:
- √ The most favorable deposit from the basic “Save Online” line today is attracted at a maximum of 5.75% per annum in rubles;
- √ And the seasonal promotional deposit “Catch a Profit” has a higher rate - up to 7.65% per annum!
Today this is the most profitable proposition jar.
Terms of the new Sberbank deposit “Catch the Profit”
Briefly, the terms of the deposit can be presented as follows:
- ☑ Currency: Russian rubles
- ☑ Duration: 5, 12, 18 months.
- ☑ Amount: from 50,000 rubles
- ☑ Replenishment: not provided
- ☑ Partial withdrawal: not provided
- ☑ Interest accrual: at the end of the term
- ☑ Early termination: interest is paid at the rate of the deposit “On demand of Sberbank of Russia”
- ☑ Prolongation: repeatedly for the same period, at an interest rate and on the terms in force on the date of prolongation.
Interest rates of the new Sberbank deposit “Catch the Benefit”
- > 7.1% per annum for a period of 5 months;
- > 7.5% per annum for a period of 1 year;
- > 7.65% per annum for a period of 1 year 6 months.
Deposit calculation
% If you invest 1,000,000 rubles, then after 5 months you can get back 1,029,178 rubles. Accordingly, net income will be 29,178 rubles.
% If you open a “Catch a Profit” deposit in the amount of 1,000,000 rubles for 1 year, then you can already withdraw 1,075,000 rubles from the bank. The interest amount will be 75,000 rubles.
% If you make a deposit in the amount of 1,000,000 rubles for a year and a half (18 months), then you will receive 1,114,645 rubles back. Accordingly, net income will be 114,645 rubles.
Deposit calculator “Catch a profit”
See also:
Sberbank deposits for individuals: rates and conditions >>
How to open a new Sberbank deposit “Catch the Profit”
You can open a deposit in several ways:
- 1. At the Sberbank office.
Go to the bank office and take your passport. Open a deposit and deposit money. - 2. 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! - 3. 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! - 4. At the ATM.
Insert the card and enter the PIN code → “Cards, deposits and loans” → “+New product” → Open deposit.
Until what date can you apply for a Sberbank deposit “Catch the Profit”
This deposit is a seasonal offer. It can be opened only until March 31, 2019!
AdvertisingSberbank does not offer very high deposit rates for individuals. There are banks in Moscow, St. Petersburg and other Russian cities that offer more favorable conditions, but clients are still attracted by accessibility and reliability.
Today Sberbank offers pensioners standard, profitable savings deposits for everyone at the most high stakes, for other types of investments they also offer excellent loyalty programs. It is enough to note that according to statistics at the end of last year, 2016, such shares in Sberbank and VTB accounted for no more than 1 percent of the entire financial portfolio.
Sberbank offers (free) especially for pensioners Maestro card"Social". In addition to no fees annual maintenance it has another important advantage. Interest is charged on funds stored on the card account (as of today - 2014) 3.5% of the amount. This feature of a pension bank card will allow you to refuse to receive a pension using a savings book, since in addition to favorable conditions, plastic card There are a number of other advantages, which are discussed below. First, let’s talk about how you can apply for this card and transfer your pension to a bank account.
Applying for a Sberbank card is quite simple. To do this, you just need to visit the nearest bank branch and fill out a standard application. In the same way, with a passport and pension certificate, the transfer of pension from a savings book to a card is re-registered.
If previously it was necessary to personally contact the Pension Fund, then now you don't have to worry about it.
To receive more interest than what is promised on deposits, you can also apply for Savings certificate. This paper functions like a deposit, promising up to 10% per annum, but the minimum contribution must be at least 10 thousand rubles.
“Save” is the most suitable for those who make minimum investments, from a thousand rubles. The amount of interest depends on the term, but in the range of 5.5% - 7.76%. The deposit is valid from a month to 3 years.
“Replenish” - interest is capitalized. Deposit period 3 months – 3 years. The rate is 6.08% - 7.1%. The minimum contribution is 1 thousand rubles.
“Manage” - this deposit requires a down payment of 30 thousand rubles. Valid as the previous 3 months - 3 years and the rate is equal - from 5.78 to 6.59%. You can withdraw cash until the minimum balance remains.
"Pension Plus" - only storing and increasing pensions. Can be stored from 1 ruble to 3 years. The percentage is 3.5 – 3.67, but with capitalization.
In order for a pensioner to make a deposit at an even higher interest rate, you need to have a computer with an Internet connection or go to the nearest Sberbank ATM.
The most profitable income in 2017 for pensioners will be deposits of individuals “Save online” and “Replenish online”, issued remotely. The interest rate will be higher than when opening a similar deposit in a branch.
Sberbank deposit “Save online”: conditions and interest for pensioners
The deposit cannot be replenished, money cannot be withdrawn
Terms of deposit
Duration: individual, accurate to the day: 1 month. - 3 years inclusive
Minimum amount: 1,000 rubles / 100 US dollars / 100 euros
Replenishment: not provided
Partial withdrawal: Not provided
Interest is calculated monthly.
The accrued interest is added to the deposit amount, increasing income in subsequent periods.
The accrued interest can be withdrawn or transferred to the card account.
Interest rate for pensioners (% per annum): in rubles - from 4.05 to 5.63, in dollars - from - 0.01 to 1.25, euros - 0.01.
Sberbank in 2019 offers pensioners profitable deposits for individuals on preferential terms. It is possible to get the highest possible interest rates. Let's consider what deposits pensioners can open today in Sberbank.
For pensioners in Sberbank in 2019 it works special program, which presents several banking products on special favorable conditions. Therefore, older people can open a preferential deposit for individuals at Sberbank at a high interest rate in rubles and dollars. Sberbank temporarily does not open new deposits in euros, and offers to use a Savings account in euros at a rate of 0.01% per annum.
Of course, some banks may give higher interest rates. It also makes sense to get acquainted with them on deposits for individuals - pensioners, especially since pensioners will receive the invested money (up to 1.4 million rubles) even if the bank’s license is revoked - all deposits of individuals in banks are insured.
But it just so happens that older people in our country trust mainly Sberbank, which is as reliable as possible. He’s not in danger of having his license revoked!
And most importantly, You can open a Sberbank deposit not only in Moscow or St. Petersburg, but also in almost every city and even village in Russia. So, let's tell you how high interest Sberbank is offering pensioners preferential deposits in rubles and dollars in 2019.
Sberbank: deposits of individuals for pensioners at interest
Sberbank deposits for pensioners in 2019 have special preferential conditions:
1. Maximum bet for the selected period, regardless of the deposit amount;
2. For clients of pre-retirement age - automatic transfer to the best possible rates at Sberbank upon reaching retirement age and prolongation of the deposit.
1. Sberbank deposit for pensioners “Save”
This classic contribution individuals to receive guaranteed maximum income. It is beneficial if you have large sum, which you can deposit in the bank and not withdraw the money until the deposit period expires.
(+) Plus: high interest rate.
(-) Minus: there is no possibility of replenishing the account and partial withdrawal of money without losing interest.
Conditions
- Duration: from 1 month to 3 years;
- Not replenished;
- No partial withdrawal;
- With capitalization;
Interest for pensioners
In rubles
| Term | Interest rate |
| 1-2 months | 4.35 / 4.35 |
| 2-3 months | 4.65 / 4.66 |
| 3-6 months | 5.20 / 5.22 |
| 6-12 months | 5.50 / 5.56 |
| 1-2 years | 5.60 / 5.75 |
| 2-3 years | 5.60 / 5.91 |
| 3 years | 5.60 / 6.08 |
In US dollars
| Term | Interest rate |
| 1-2 months | 0.20 / 0.20 |
| 2-3 months | 0.20 / 0.20 |
| 3-6 months | 0.50 / 0.50 |
| 6-12 months | 1.20 / 1.20 |
| 1-2 years | 1.55 / 1.56 |
| 2-3 years | 1.55 / 1.57 |
| 3 years | 1.55 / 1.59 |
1.1. Sberbank deposit for pensioners "Save Online"
This deposit for individuals is opened via the Internet. It is more profitable because the interest rate on this deposit is higher than when opening a similar deposit in a branch.
Conditions
- Duration: from 1 month to 3 years;
- Amount: from 1,000 rubles / 100 US dollars;
- Not replenished;
- No partial withdrawal;
- With capitalization;
- Terms of interest calculation: monthly. The accrued interest can be withdrawn or transferred to the card account.
Interest for pensioners
without capitalization / with capitalization
In rubles
| Term | Interest rate |
| 1-2 months | 4.50 / 4.50 |
| 2-3 months | 4.80 / 4.81 |
| 3-6 months | 5.35 / 4.37 |
| 6-12 months | 5.65 / 5.72 |
| 1-2 years | 5.75 / 5.90 |
| 2-3 years | 5.75 / 6.08 |
| 3 years | 5.75 / 6.26 |
In US dollars
| Term | Interest rate |
| 1-2 months | 0.30 / 0.30 |
| 2-3 months | 0.50 / 0.50 |
| 3-6 months | 0.80 / 0.80 |
| 6-12 months | 1.50 / 1.50 |
| 1-2 years | 1.85 / 1.87 |
| 2-3 years | 1.85 / 1.88 |
| 3 years | 1.85 / 1.90 |
Few? See interest rates on deposits of individuals in
2. Sberbank deposit for pensioners “Replenish”
This replenished deposit of individuals will be especially beneficial for those who prefer to save and regularly set aside their funds.
(+) Plus: it is possible to top up your account.
(-) Minus: there is no possibility of partial withdrawal of money without loss of income, the interest rate is lower.
Conditions
- Duration: from 3 months to 3 years;
- Amount: from 1,000 rubles / 100 US dollars;
- Refillable ;
- No partial withdrawal;
- With capitalization;
- Terms of interest calculation: monthly. The accrued interest can be withdrawn or transferred to the card account.
Interest for pensioners
without capitalization / with capitalization
In rubles
| Term | Interest rate |
| 3-6 months | 4.90 / 4.92 |
| 6-12 months | 5.15 / 5.21 |
| 1-2 years | 5.15 / 5.27 |
| 2-3 years | 5.10 / 5.36 |
| 3 years | 5.00 / 5.38 |
In dollars
| Term | Interest rate |
| 3-6 months | 0.20 / 0.20 |
| 6-12 months | 0.80 / 0.80 |
| 1-2 years | 1.15 / 1.16 |
| 2-3 years | 1.15 / 1.16 |
| 3 years | 1.15 / 1.17 |
Not profitable? See what interest on deposits it gives
2.1. Deposit for pensioners "Recharge Online"
This is a replenishable deposit of Sberbank, which is opened via the Internet. The rate for an online deposit is higher than when opening a similar deposit in a branch.
Conditions
- Duration: from 3 months to 3 years;
- Amount: from 1,000 rubles / 100 US dollars;
- Refillable;
- Without partial removal;
- With capitalization;
- Terms of interest calculation: monthly. The accrued interest can be withdrawn or transferred to the card account.
Interest for pensioners
without capitalization / with capitalization
In rubles
No good? See interest rates on bank deposits
Conditions for early termination of Sberbank deposits “Replenish” and “Save”
If pensioners urgently need the money lying in the bank, they can withdraw it at any time. But interest in this case is calculated in a special way.
1. On Sberbank deposits for individuals for a period of up to 6 months (inclusive), interest is accrued at a rate of 0.01% per annum
2. For deposits for a period exceeding 6 months:
- when claiming a deposit during the first 6 months of the main (extended) term - based on an interest rate of 0.01% per annum;
- after 6 months of the main (extended) term - based on 2/3 of the interest rate, established by Sberbank By this species deposits on the date of opening (prolongation) of the deposit.
In addition, when early termination deposits with Sberbank, interest is recalculated without taking into account monthly capitalization.
See also the terms and conditions of the Savings Account
3. Sberbank contribution "Pension-plus"
This is a deposit for individuals to receive income for retirement. It is intended for clients receiving pensions from the Pension Fund of the Russian Federation, ministries and departments implementing pension provision, as well as from non-state pension funds.
Conditions
- Duration: 3 years
- Currency: rubles
- Minimum amount: 1 ruble
- Replenishment: unlimited
- Partial withdrawal: allowed up to the minimum balance amount.
Interest rate
3.50% per annum (3.55% per annum with capitalization)
Conditions for calculating interest
Interest is calculated every 3 months
The accrued interest is added to the deposit amount, increasing income in subsequent periods.
Conditions for early termination
When the deposit is withdrawn, the interest rate established on the date of opening (prolongation) of the deposit does not change.
Prolongation conditions
Automatic prolongation is carried out on the terms and at the interest rate in force for the “Pension - Plus” deposit of Sberbank of Russia on the date of prolongation.
4. Sberbank deposit “Manage”
This deposit does not have benefits for pensioners, but it can also be interesting, since it makes it possible to replenish the account and partially withdraw some funds without losing interest.
(+) Plus: it is possible to replenish the account and partially withdraw money without losing interest.
(-) Minus: low percentage.
Conditions
- Term: from 3 months to 3 years.
- Amount: from 30,000 rubles / 1000 US dollars
- Replenishment: allowed. Cash - from 1,000 rubles / 100 US dollars, non-cash - unlimited.
Interest rate
See the conditions and rates of deposits of individuals in
4.1. Sberbank deposit "Manage Online"
The terms of this Sberbank deposit for individuals also do not provide benefits for pensioners. It is similar to the “Manage” deposit, only it is opened via the Internet, and the interest rates are slightly higher.
Conditions
- Duration: from 3 months to 3 years;
- Amount: from 30,000 rubles / 1000 US dollars;
- Replenishment: allowed. Cash - from 1,000 rubles / 100 US dollars, non-cash - unlimited;
- Partial withdrawal without loss of accrued interest: allowed up to the minimum minimum balance.
Interest rates
5. Pension card MIR Social
Debit bank card to receive a pension with interest accrued on the balance in the account.
- Card validity: 3 years;
- With replenishment;
- With the possibility of partial removal;
- Minimum minimum balance: 1 ruble;
- Preferential mobile bank: first 2 calendar months free, then 30 rubles per month;
- Cost of service: free;
- Bonus program “Thank you from Sberbank”;
- Annual rate: 3.5% per annum on the card balance.
See also what interest on deposits it gives today
How to open Sberbank deposits for pensioners
Register Sberbank deposits for individuals pensioners Women over 55 years old and men over 60 years old can. There are several ways to do this.
- In the office. To make a deposit, just contact any bank branch with money and a passport. Sberbank employees will complete all the necessary paperwork. All you have to do is sign where required and deposit money into the account.
- Online. Those who are already clients of Sberbank and use Internet banking can make a deposit without leaving home. Log in to Internet Banking, select a suitable deposit and click the “Open deposit” button.