All Sberbank deposits today. Which deposit in Sberbank is better to open? Sberbank deposit “Save”: interest and conditions

The Central Bank of the Russian Federation is reducing rates on deposits in rubles.

The most profitable deposit in Sberbank today

If we evaluate the interest rate, then the most profitable Sberbank deposit (in addition to seasonal deposits) is “Save Online” for ordinary individuals or “Special Save” for premium clients. But these deposits cannot be replenished!
If you intend to save money, then it would be most preferable for you to make a deposit with higher rate“Replenish Online” or “Special Top Up”. But you won’t be able to withdraw money without losing interest!
If you plan to withdraw part of the money from the deposit at any time, then the “Manage Online” or “Special Manage” deposit will be the most profitable for you.

Below you can find out the new deposit rates for today (as of 03/19/2020)

Pension Plus deposit

Payment of interest - quarterly to a current account or to a bank card account
Capitalization - quarterly according to client's choice
Special conditions - the deposit is opened upon presentation of a pension certificate
Replenishment is possible
Partial withdrawal possible
The minimum minimum balance is equal to the minimum deposit amount
Early termination on preferential terms— income for the actual storage period Money in the deposit is accrued based on the interest rate established by the bank on the date of opening the deposit
Auto renewal is possible

Contribution Give Life

Payment of interest - quarterly to a bank card account
Capitalization - quarterly at the client's choice
Special conditions - 0.3% per annum of the deposit amount for each expired three-month period is transferred to the Gift of Life Fund
Replenishment - no
Partial withdrawal is not possible
Early termination on preferential terms - 2/3 of the rate after 6 months of deposit storage
Auto renewal is possible

Deposit Top up

Betting table

In rubles

	from 3 to 6 months.	from 6 months up to 1 year	from 1 to 2 years	from 2 to 3 years	3 years
from 1,000 ₽	4,1	4,4	4,3	4,25	4,15
from 100,000 ₽	4,25	4,55	4,45	4,4	4,3
from 400,000 ₽	4,4	4,7	4,6	4,55	4,45

In dollars

	from 3 to 6 months.	from 6 months up to 1 year	from 1 to 2 years	from 2 to 3 years	3 years
from 100 $	0,01	0,55	0,75	0,45	0,35
from $3,000	0,1	0,65	0,85	0,55	0,45
from $10,000	0,15	0,7	0,9	0,6	0,5
from $20,000	0,2	0,75	0,95	0,65	0,55

Capitalization monthly according to client's choice

minimum amount: 1,000 rubles, 100 dollars;

Partial withdrawal is not possible

Early termination on preferential terms:

if the deposit amount does not exceed the maximum amount (the deposit amount at the end of the day of the date of opening or prolongation of the deposit, increased by 10 times for deposits whose amount at the end of the day of the date of opening or prolongation is less than 100,000 rubles / 5,000 dollars, the maximum amount is 1 million rubles /$50,000);

An increase in the rate is possible if the amount increases or upon presentation of a pension certificate
Auto renewal is possible

Deposit Top up in the name of the child

Table of bets in rubles

	3-6 months	6-12 months	1-2 years	2-3 years	3 years
from 1000	4.10/4.11	4.40/4.44	4.30/4.39	4.25/4.43	4.15/4.41
from 100,000	4.25/4.27	4.55/4.59	4.45/4.54	4.40/4.59	4.30/4.58
from 400,000	4.40/4.42	4.70/4.75	4.60/4.70	4.55/4.75	4.45/4.75

Table of bets in dollars

Payment of interest monthly to a bank card account
Capitalization monthly according to client's choice
Special contribution for children

Special conditions:

You must present a passport or other identification document and the child’s birth certificate;
A parent/legal representative of a child can open a deposit;
from the age of 14, the child receives partial access: he can independently replenish the deposit and withdraw accrued interest;
at 18 years of age, a child can fully manage the funds on deposit;
Full withdrawal of money before the child comes of age is possible only with the permission of the guardianship authorities

Replenishment is possible, but there are restrictions:

minimum amount

1,000 rubles, 100 dollars;
for non-cash replenishment the minimum amount is not limited

Partial withdrawal is not possible Early termination on preferential terms:

if the deposit amount does not exceed the maximum amount (the deposit amount at the end of the day of the date of opening or prolongation of the deposit, increased by 10 times; for deposits for which the amount at the end of the day of the date of opening or prolongation is less than 100,000 rubles / 5,000 dollars, the maximum amount is 1 million rubles/50,000 dollars);
if the amount is higher than the maximum deposit amount, then interest is calculated on the principal amount based on 2/3, on the difference between the deposit amount and the maximum amount - 1/3 of the interest rate on the deposit in effect on the date of its opening or prolongation

An increase in the rate is possible if the amount increases
Auto renewal is possible

Contribution Save

Contribution Social

Deposit Manage

Calculate your deposit income online

Content

Financial instability forces citizens to think about the future. People try to save to limit themselves from surprises. It is unwise to keep saved money at home. Funds are placed in a reliable financial institution without additional investments or with the possibility of replenishment.

What is a deposit in Sberbank

It is beneficial to keep money in a bank. This guarantees the integrity and security of savings and ensures an increase in savings. Placing a deposit in Sberbank at interest means increasing your savings by the interest rate offered by the bank on the invested funds. Reliability financial institution ensures control of the main stake in the bank by the Central Bank. State system insurance guarantees depositors the safety of their savings.

Types of Sberbank deposits

The bank offers its clients financial products to accumulate and increase funds. The types of Sberbank deposits differ:

way of spending savings (whether the accumulated funds can be used or not);
savings method (with or without the ability to replenish savings);
social orientation.

It is useful for depositors to know what deposits are available in Sberbank today:

Save;
Replenish;
Manage;
Savings account;
Pension plus;
Gift a life;
Savings certificate.

Terms of deposits in Sberbank

Among the savings methods offered by the bank, depositors can choose a convenient option. The terms of deposits in Sberbank provide monthly accrual income on savings. Payment of interest may be credited to the account or issued in cash. Income can be added to the amount of deposit savings and increase the amount monthly to calculate interest on the invested funds. Interest capitalization occurs; it can be calculated using the calculator on the website.

Capitalization serves as a source of replenishment of deposits that cannot be replenished under the terms of the agreement. Sberbank cash deposits can be closed early. For bank deposit Keep withdrawals and the ability to replenish savings is not allowed. The banking product Replenish provides for the introduction of additional savings (up to ten times the amount down payment) without the right of withdrawal.

Depositors of the Manage deposit are given the opportunity to manage savings - use accumulated funds and make additional contributions (there are restrictions on the amount). A savings account does not impose restrictions on the number, amount of replenishment and partial withdrawal of funds. Interest is calculated on the minimum amount of savings during the month. The savings account is not fixed-term and the contract period is not limited in time.

For Save, Replenish, Manage, auto-renewal is possible. Income from the short-term deposit Podari Zhizn is accrued every three months. A special type of savings is a Savings Certificate, which can be given as a gift. Interest on savings accrues upon expiration of the certificate, plus it is not subject to compulsory insurance.

Sberbank deposits for individuals in 2017

News from Sberbank of Russia on deposits informs bank clients about the termination of acceptance foreign currency deposits: Multicurrency Sberbank of Russia; International. The opening of deposits was completed in December 2016, and they are in the archives of Sberbank. The deposits were intended to save the population's invested funds from fluctuations in the ruble exchange rate.

Promotions on Sberbank deposits today

The bank's archive contains the Happy Payment promotion. There is no information about new promotions on deposits. Holiday promotions on deposits at Sberbank ended in January 2019: Maximum percentage; Seasonal. Now the bank depositors who have issued debit card, take advantage of the Thank you promotion. When paying by card, they receive bonuses into their account and exchange them for money.

Interest on Sberbank deposits for today

The maximum interest on deposits in Sberbank is offered for an accumulation period of 6-12 months. During the accumulation period, an increase in the amount to 700,000 rubles can increase the profitability of savings. Sberbank's interest on household deposits increases by 0.51% when opening a deposit remotely.

The following interest rates on deposits with Sberbank are currently in effect:

Save – 4.6-6.74%;
Top up – 5.72-6.23%;
Manage – 4.62-5.71%;
Savings account – 1.5-2.3%;
Give Life – fixed 5.95%;
Savings certificate.

Tariffs for Sberbank ruble savings of the population depend on:

purpose of the deposit;
term of the contract;
method of concluding a contract.

Profitable Sberbank deposits

The financial institution offers its depositors programs that can provide high income. Profitable Sberbank deposits for individuals issued to citizens who use the Sberbank Premier service package. Anyone can purchase the package. In addition to the premium service package, depositors receive a special offer with an increase in the deposit rate: Save; Replenish; Manage.

Special offers on deposits are shown in the table:

Foreign currency deposit in Sberbank for individuals

The bank has provided the opportunity for its clients to make savings in foreign currency. Individuals have the opportunity to make foreign currency savings and protect their savings from inflation. Foreign currency deposits in Sberbank exist for deposits: Save; Replenish; Manage. The conditions for replenishment, withdrawal, and early termination for them remain the same as for ruble deposits.

Currency deposit in dollars in Sberbank

The Save deposit for dollar savings excludes the possibility of additional contributions and withdrawals, Top up – allows for the replenishment of investments. Currency deposit in dollars in Sberbank Manage provides the opportunity to increase the amount and withdraw savings. The maximum return on invested dollars is offered to citizens for a savings period of one to two years and a savings amount of $20,000. Check the conditions in the table:

Deposits in euros in Sberbank today

Depositors can make savings in euros. Among all deposits, the profitability of euro investments is minimal. The yield on the euro deposit is set at 0.01 percent per annum. Deposits in euros in Sberbank differ today minimum size and accumulation period. Euro savings with a minimum return help citizens protect their accumulated funds from depreciation. See the table below for conditions:

Sberbank deposits for pensioners

There are special offers from the bank for pensioners. There is provision for them profitable investment in Sberbank Pension Plus. The terms of the deposit provide for the possibility of unlimited replenishment of savings and withdrawals up to the level of the minimum down payment. Save and Top up deposits are issued to pensioners for general conditions, But interest rate the maximum is provided for each accumulation period.

Compare Sberbank deposits for pensioners and their conditions in the table:

Place money at interest in Sberbank

There are two ways to open a deposit in Sberbank for an individual:

In the presence of the bank manager. The agreement is drawn up upon presentation of a passport (for pension banking products - a pension certificate).
Independently on the official website of the bank. Holders can deposit money at interest in the online system salary cards. Replenishment of funds is carried out by the depositor by non-cash means. At customer service banking service provides a calculator with which you can choose the optimal deposit option.

Which deposit is better to open in Sberbank

The investor needs to analyze his financial opportunities and make a choice for investing money, you need to consider:

whether he will use savings;
whether he will have the opportunity to contribute additional funds;
how much profit he wants to make (profitability can be calculated using a calculator on the bank’s website).

To receive a high income, the investor benefits from savings options from Sberbank with a high interest rate: Save; Replenish; Gift a life; Savings certificate. With the Manage deposit, the depositor has the opportunity to replenish and withdraw savings with certain restrictions. The terms of the Savings Account do not impose restrictions, but offer a minimum income.

Video: interest-bearing deposits in Sberbank-online

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Sberbank deposits for individuals: interest rates

Sberbank of Russia deposits for individuals today remain attractive, although in 2020 they do not have the most favorable interest rates. Compare the updated conditions for opening deposits in rubles and foreign currency, online and in the branch.

Updated deposit rates of Sberbank of Russia for today

In 2020, Sberbank updated interest rates on deposits of individuals. Today deposits are not as profitable as in many other banks. But when choosing a bank to invest funds, individuals often prefer Sberbank, as the most reliable. In addition, Sberbank deposits for individuals are insured by the state. This means that if the bank loses its license, which is unlikely, you will be returned an amount of no more than 1.4 million rubles, including interest. Read more about deposit insurance

The line of deposits for individuals at Sberbank is simple and clear:

– “Save” and “Special Save”,
– “Replenish” and “Special Replenish”,
with replenishment and partial withdrawal of money without loss of interest - “Manage” and “Special Manage”.

Sberbank deposits for individuals today can be opened in Russian rubles and foreign currency (US dollars). It is possible to make deposits in the branch and online via the Internet.

For clients of retirement age – for “Save” and “Replenish” deposits, the maximum interest rate is set for the selected period, regardless of the deposit amount. See the conditions and interest rates of Sberbank deposits

Deposits in Sberbank today: interest and conditions

Let's compare interest rates and conditions for opening deposits for individuals in Sberbank today - in 2020.

Sberbank deposit “Save”: interest and conditions

Deposit for individuals to reliably preserve savings and receive a guaranteed stable income. Without the possibility of replenishment and partial withdrawal without loss of profitability. Opens in branches, online and at ATMs.

Conditions

Duration: from 1 month to 3 years inclusive;
Minimum amount: 1,000 rubles / 100 US dollars.
Replenishment: no;

Conditions for calculating interest

Interest rates

Without capitalization

Taking into account capitalization

In Russian rubles

In US 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.

Sberbank deposit “Replenish”: interest and conditions

A replenishable deposit for those who prefer to save and regularly deposit funds in a reliable bank. Opens in branches, online and at ATMs.

Conditions

Duration: from 3 months to 3 years;
Minimum amount: 1,000 rubles / 100 dollars.
Partial withdrawal without loss of interest: no.
Increase in interest rate: automatically when the next amount gradation is reached.

Conditions for calculating interest

Interest is calculated monthly.
The accrued interest is added to the deposit amount, increasing income in subsequent periods (capitalization).
The accrued interest can be withdrawn or transferred to the card account.

Interest rates

Without capitalization

Taking into account capitalization

In Russian rubles

in US dollars

Sberbank deposit “Manage”: interest and conditions

A deposit for secure storage of your savings with the ability to withdraw part of the funds before the expiration of the deposit without loss of interest. Refillable. Opens in branches, online and at ATMs.

Conditions

Duration: from 3 months to 3 years;
Minimum amount: 30,000 rubles / 1,000 dollars.
Replenishment: yes. Cash - from 1,000 rubles / 100 dollars. Non-cash - unlimited;
Partial withdrawal without loss of interest: yes. Up to the level of the minimum minimum balance without loss of accrued interest.
Increase in interest rate: when the deposit amount is increased to the next gradation and when an additional agreement is concluded to increase the amount of the minimum balance.

Conditions for calculating interest

Interest is accrued monthly on the entire deposit amount (the interest rate depends on the amount of the minimum balance).
The accrued interest can be withdrawn or transferred to the card account.
The accrued interest is added to the deposit amount, increasing income in subsequent periods.

Interest rates

in Russian rubles

in US dollars

Sberbank deposit “Gift of Life”: conditions and rates

Deposit to help children with oncological, hematological and other serious diseases. Every 3 months, Sberbank transfers to the Gift of Life charity fund an amount of 0.3% per annum of the deposit amount. Opens in the branch.

Conditions

Duration: 1 year;
Minimum amount: 10,000 rubles.
Replenishment: no;
Partial withdrawal without loss of interest: no.

Conditions for calculating interest

Interest is calculated every 3 months;
At early termination deposit interest is recalculated without taking into account the capitalization of interest.

Interest rates

4.58% per annum with capitalization (4.5% per annum without capitalization)

Deposit "Pension-plus of Sberbank of Russia"

This is a special deposit for receiving income for retirement. It is intended for individuals receiving a pension from the Pension Fund of the Russian Federation, non-state pension funds, as well as ministries and departments providing pensions.

Conditions

Duration: 3 years;
Minimum amount: 1 ruble;
Replenishment: unlimited;
Interest accrual: every 3 months. The accrued interest is added to the deposit amount, increasing income in the following periods;
Early termination: when the deposit is withdrawn, the rate established on the date of opening (prolongation) of the deposit does not change.

Interest rate

3.67% per annum with capitalization (3.50% per annum without capitalization).

Sberbank deposit “Social”: conditions and rates

This is a special deposit to which social payments orphans and war veterans.

Conditions

Duration: 3 years;
Minimum amount: 1 ruble;
Replenishment: unlimited;
Partial withdrawal without loss of interest: up to the level of the minimum balance;

Conditions for calculating interest

Interest is calculated quarterly.
The accrued interest is added to the deposit amount.
The accrued interest can be withdrawn.

Interest rate

In a difficult economic situation the most win-win option for receiving passive income There is no risk in opening a deposit in a bank. It makes the most sense to open a deposit in large bank, such as Sberbank. There are several reasons for this: the bank is reliable and is the largest in the country, as well as the fact that you can open a deposit and receive interest through Personal Area.

You can open a deposit in Sberbank in several ways:

visit a branch and deposit funds into your account in cash
at the nearest ATM
through your personal account Sberbank Online

The first method of opening a bank deposit is long and inconvenient - you need to withdraw cash and go to the bank with it, then wait in line to see the cashier-operator, wait until the deposited money is counted and an agreement is drawn up. This may take half an hour if there is no queue at the department. The second method is a little faster - you need to insert your card into the ATM and then make a deposit. The third method is the most optimal; to complete the operation you need to go through the following steps:

What deposits does Sberbank offer?

The line of deposits at Sberbank has not changed for a long time, only interest rates have changed. Contributions are represented by the following proposals:

"Save" deposit
Deposit "Replenish"
Deposit "Manage"
Contribution "Social"
Contribution "Give Life"
Deposit "Replenish in the name of the child"
Deposits for pensioners
Deposit "Pension Plus"
Deposit "Without Passport" (limited deposit, valid from 12/01/2018 to 01/31/2019)

"Save" deposit

The deposit is suitable for those who want to get maximum profit - the deposit is opened once, deposits and withdrawals from the deposit account are not allowed. Interest on the deposit is accrued monthly. When closing a deposit for a period of up to 6 months, the interest rate will be 0.01% per annum; if the period was over 6 months, the client will be paid 2/3 of the current interest rate.

Minimum deposit amount
Interest rate: up to 5.15% (online), up to 5% in the bank office
Partial withdrawal: No
Replenishment: No
Term: 1 month - 3 years

Deposit "Replenish"

The deposit is designed for clients who plan to deposit additional funds into their account. Partial withdrawals are not permitted. Maximum amount deposit - the deposit amount at the end of the day of the date of opening or prolongation of the deposit, increased by 10 times. For deposits for which the deposit amount at the end of the day of opening or prolongation is less than 100,000 ₽ / 5,000 $ / 5,000 €, the maximum amount is 1 million ₽ / 50,000 $ / 50,000 €.

Minimum deposit amount: from 1,000 rubles (100 dollars)
Interest rate: up to 4.70% (online), up to 4.55% in the bank office
Partial withdrawal: No
Replenishment: Yes
Term: from 3 months to 3 years

Deposit "Manage"

The deposit allows you to produce partial withdrawal funds without losing interest.

Minimum deposit amount: from 30,000 rubles (from 1000 dollars)
Interest rate: up to 4.40% (online), up to 4.25% in a bank branch
Partial withdrawal: Yes
Replenishment: No
Term: from 3 months to 3 years

Contribution "Social"

Special contribution for children left without parental care and WWII veterans/disabled people. This deposit can only be opened at a Sberbank branch. Interest is calculated quarterly.

Minimum deposit amount: 1 ruble
Interest rate: 4.25% in rubles
Partial withdrawal: Yes
Replenishment: Yes
Term: 3 years

Contribution "Give Life"

The contribution is intended to help children with serious illnesses. The bank transfers money to the Gift of Life charity foundation every quarter.

Minimum deposit amount: 10,000 rubles
Interest rate: 5.05% in rubles
Partial withdrawal: No
Replenishment: No
Term: 1 year

Deposit "Replenish in the name of the child"

A great gift for a child coming of age. The deposit can be replenished by parents and relatives, and only a child who reaches the age of 18 can receive the money. From the age of 14, a child can withdraw interest and also replenish the deposit. You can open a deposit only at a bank branch.

Minimum deposit amount: from 1000 rubles (100 dollars)
Interest rate: up to 4.55% in rubles
Partial withdrawal: Yes
Replenishment: Yes
Term: Full disposal of funds is available upon reaching the age of 18.

Deposits for pensioners

For pensioners, “Replenish” and “Save” deposits are valid special conditions- regardless of the amount, the maximum interest rate applies. When submitting an application through your Sberbank Online personal account, the interest rate is set only for age pensioners - women over 55 years old and men over 60 years old. If you already have one of the deposits listed above, when you reach retirement age after prolongation of the deposit, the interest rate will increase automatically. The maximum deposit amount for pensioners is not limited.

Minimum deposit amount: from 1000 rubles
Interest rate: up to 5.15%
Term: from 3 months to 3 years

Deposit "Pension Plus"

Minimum deposit amount: from 1 ruble
Interest rate: 3,5%
Partial withdrawal: Yes
Replenishment: Yes
Term: 3 years

Deposit "Without Passport"

And finally, we have come to a review of the Sberbank promotional deposit, which is available for opening in the period from December 1, 2018 to January 31, 2019 - the “Without Passport” deposit. This deposit allows you to receive a maximum interest rate of 7% when opening a deposit for 1 year. The maximum deposit amount is not limited. You can make a deposit only at a bank ATM or in your Sberbank Online personal account.

Minimum deposit amount: 50,000 rubles
Interest rate: from 6.5% (for a deposit period of 5 months) to 7.5% (for a deposit period of 12 months)
Partial withdrawal: No
Replenishment: No
Term: from 5 months to 12 months

What is the most profitable Sberbank deposit?

The most profitable deposit is the one that Sberbank launches in December (promotional), for which the client is offered the maximum interest rate. also in in social networks Sberbank periodically shares promotional codes; when they are used, the deposit rate also increases. It’s also worth paying attention to the package premium service"Sberbank First" - within this package, the deposit rate is 1% higher. In addition, it is worth paying attention to the terms of the deposit - some deposits allow replenishment and partial withdrawal of funds.