Deposits of the Savings Bank of Russia. Sberbank deposits Sberbank deposits of individuals interest

Into unstable economic time in our country, few dare to do bank deposits. However, if you really make a deposit, then only in a reliable, stable bank, which was practically not affected by the times of crisis. This is exactly what Sberbank is, serving a third banking system countries.

If you open a deposit, then only in Sberbank. This is how the Russians think and trust the bank with funds. Consider the entire line of deposits of Sberbank of Russia in 2020 with interest rates for today.

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

The previously popular line of Sberbank deposits for individuals in 2020, “Save Online”, “Replenish Online”, “Manage Online” “lost” a little as a percentage, but not everywhere. Rates for some types of deposits are lower by an average of 0.5–1%, but there is also an increase of 0.15–1.8%, especially for foreign currency investments. The rates for deposits opened online or at the 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 at the bank office. Sberbank, thus, encourages its future and current customers to move to the Internet.

It is worth noting that the conditions for deposits for pensioners have become more interesting. In 2020, Sberbank raised interest rates on savings, savings deposits and pension accounts.

Sberbank term deposits in 2020

Today, Sberbank offers six types of term 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 impossible to replenish the deposit or partially withdraw funds during the initially declared 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 in the next month they are already accrued on 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 is 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 for a period of 3 months to 3 years inclusive. The deposit remains replenished. However, it is impossible to reduce the initially invested or replenished amount. You can easily withdraw interest on the deposit and transfer it to your card. Minimum amount: 1,000 rubles, 100 dollars or 100 euros.

"Replenish" in the name of the child

Sberbank gives parents the opportunity to open a personal deposit for a minor child, which can only be closed upon reaching the age of 18. The minimum amount for placement is 1,000 rubles or $100, and the rate will be 4.6–5.15% for ruble deposits and 0.01–1.15% for dollar deposits. The account is replenished by any persons without restrictions, but savings are cashed out only when the age threshold is reached or through permission from the guardianship authorities.

"Control"

A feature of this deposit is the possibility of partial withdrawal of funds in the process of deposit, while not closing and not losing interest. Deposit interest rates are 4.3–5% for ruble deposits, depending on the amount of the deposit. Interest rate for dollars - from 0.01 to 1.35% per annum. Deposit term from 3 months to 3 years. The deposit can be replenished and partially withdrawn. You can manage 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 depositors with the status of a veteran or disabled veteran of the Second World War. It opens for 3 years, replenishes in free mode and is consumed if necessary. Interest is set at 4.75% per annum and accrues at the end of each quarter. "Earned" over initial capital funds can be transferred to a third-party account or returned to a deposit for subsequent capitalization. The minimum amount for making a deposit is 1 ruble.

"Gift a life"

This is a 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 issued for a period of 1 year, during this period it is impossible to replenish or partially withdraw funds.

Online deposits

In the line of deposits of Sberbank: "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" system or " Mobile bank”, select the section “Deposits and accounts”, 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, where you indicate the amount and term credited to the deposit, then click "Open". After that, you can consider yourself a contributor.

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

"Pension plus"

The "Pension Plus" deposit - why is it special? The essence of the contribution is that the pensioner does not withdraw the entire pension when he enters the account, but leaves part of the funds there for accumulation at 3.5% per annum in rubles. The term of the deposit 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 interest rates are available. The standard annual rate increases by 1%, which, with an amount of at least 700-5000 thousand rubles. or 50-150 thousand c.u. bring the investor a high return. A similar deposit is made with a personal manager or in personal online account for an individual period and with special conditions.

Special Accounts

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

• for social payments for the maintenance of the ward. The minimum initial payment for line activation is not set, replenishment and spending is free, and the rate is fixed at 3.5%;
• for the formation of the electoral account. Without additional income on the balance and without restrictions on spending and creating an account;
• for the bidder. It is opened ahead of schedule, replenished unlimitedly and spent within the deposited amount with a yield of 0.01% annually.

savings account

It is an account for free and confident disposal of savings. Opened 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 0.01% for foreign currency investments. The higher the deposit amount, the higher the interest rate.

Current account

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

Poste restante

The basic deposit of Sberbank, which is valid indefinitely 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 c.u. or $5 equivalent other banknotes. The deposit is replenished for any amount throughout the entire period of existence, and withdrawn up to the minimum entry fee. Interest in the amount of 0.01% is accrued quarterly, and in case of early demand, it is calculated according to 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 ahead of schedule, as you will lose the accrued and future interest on the deposit. Interest rates for early withdrawals and closing the deposit are immediately reduced to 0.01%, regardless of how long the money has already been in the account. You violate the terms of the deposit agreement, so the bank has the right to lower rates. Even if you have previously withdrawn or capitalized already accumulated interest, you will be given back the money, taking this interest back.

Deposits are no longer such an attractive tool for saving and increasing savings. But despite this, Sberbank manages year after year not only to maintain leadership in terms of attracted deposits from individuals, but also to increase its deposit portfolio. This is explained not only by its reliability, developed branch network, but also by a wide range of deposits.

In June 2017, the total volume of placements in Russian banks deposits of individuals increased by 1.3% (excluding the impact exchange rate) and as of July 1 amounted to about 24.9 trillion rubles. The leader in the growth of funds of individuals in absolute terms became Sberbank, having increased its deposit portfolio since the beginning of the year by 162.2 billion rubles, or +1.4%. Taking into account the general decline in the interest of Russians in deposits (rates have decreased, it is easier to keep savings under a mattress at such a yield), this is a good result.

Even in very difficult conditions for the market, Sberbank managed to increase its deposit portfolio. And this despite the fact that the state bank has a conservative policy regarding rates: in many private banks, the return on deposits will be much higher. However, the reliability of the bank, the availability of offices even in remote locations, as well as a large selection of offers for the most different clients- make Sberbank deposits so attractive.

Table 1. "Deposits of individuals in Sberbank in 2017"

Data for August 2017

Maximum yield on the "Savings Certificate"

Placing funds on it from 10,000 rubles for a period of 91 days to 3 years, you get a yield of 0.01% to 7.20% per annum in rubles, which is significantly higher than deposit rates. But the high yield also has a downside: the funds on the deposits are insured, but the funds on the certificate are not. That is, if the license is revoked from the bank, they will not be returned to you. Although it should be recognized that in the case of Sberbank, this scenario is unlikely. Payment of interest on the certificate is made at the end of the term. Early termination - at the demand rate. Replenishment and partial withdrawal are not provided, because this is not a contribution in the literal sense of the word, but a security.

The maximum yield among deposits for "Time to save"

• Rates - up to 6.5% per annum in rubles. And if you pass the Sberbank test in social networks, you can get a promotional code and increase the yield up to 7% per annum.
• The minimum deposit amount is 100,000 rubles.
• The term is 4 months.
• Interest is paid at the end of the term.
• Without capitalization, replenishment and partial withdrawal of funds from the account.
• Early withdrawal of funds - at the demand rate.
• Auto-prolongation of the deposit is possible.
• The deposit can be opened remotely, through the Internet bank, at the bank's offices or through self-service devices.

Possibility of replenishment - according to the deposit "Replenish Online @ yn"

The investor can regularly set aside funds, replenish the deposit, thereby increasing the final income.

• Rates on it are up to 5.10% per annum in rubles, 1.05% per annum in dollars and 0.01% in euros.
• The minimum deposit amount is 1000 rubles / 100 dollars / 100 euros.
• The term is from 3 months to 3 years.
• Interest is paid monthly, to a bank card account.
• capitalization is possible.
• Partial withdrawal is not provided.
• Early withdrawal of funds preferential terms. If the funds have been deposited for more than 6 months, interest is paid based on 2/3 of the interest rate; less than 6 months - 0.1% per annum.
• Deposit "Replenish Online@yn" is opened through the Internet bank.

Access to deposited funds without restrictions on the "Savings Account"

The depositor can replenish and withdraw funds from the account at any time, in any volume. There are no requirements for the minimum amount, terms of placement of funds.

• Rates - up to 2.30% per annum in rubles, 0.01% per annum in dollars, 0.01% in euros. Rates depend on the amount placed and increase when the next threshold is reached. Interest is accrued monthly: on the minimum balance kept on the account during the month - at the interest rate that was determined based on its amount; for the difference between the minimum and actual balance - at an interest rate of 0.01% per annum.
• Early termination determines the minimum balance kept in the account during the month in which the account is closed. An interest rate of 0.01% per annum is charged on the difference between the minimum and actual balance.

Additional income for retirement with the "Pension-plus" deposit

It is designed specifically for pensioners who want to receive interest from accommodation temporarily free funds. It is opened to Sberbank clients receiving pensions from pension fund RF, ministries and departments providing pensions and from non-state pension funds.

• The minimum deposit amount is from 1 ruble, the term is 3 years, the rate is 3.55% per annum, taking into account interest capitalization (without - 3.5% per annum).
• The deposit is replenishable, with the possibility of partial withdrawal of funds (up to the level of the minimum amount of the minimum balance).
• Interest payment - quarterly, with capitalization of interest.
• In case of early termination of the deposit, interest is recalculated without taking into account capitalization of interest.

Charitable contribution "Give Life"

It was created to help children with oncological, hematological and other serious diseases. Every 3 months, Sberbank transfers an amount of 0.3% per annum of the deposit amount to the Podari Zhizn charitable foundation.

• Interest rate - 5% in rubles (with interest capitalization - 5.09%).
• The term of the deposit is 1 year.
• The minimum deposit amount is 10,000 rubles.
• Debit transactions- partial withdrawal and replenishment - are not provided for the deposit.
• Early termination of the deposit agreement - on preferential terms. If funds are withdrawn before 6 months - at a rate of 0.01% per annum, after 6 months - 2/3 of the established interest rate.

Sberbank ranks first in terms of the amount of funds raised, lending and other services. The fact that the bank is owned by the state adds to its credibility, and, together with favorable principles for placing deposits, it becomes a favorite among the institutions that Russians choose to store and grow their savings. Of course, some banks give conditions better than Sberbank deposits of individuals in 2017, their interest on deposits is much higher, but reliability is lame. The capital of Russia stands behind Sberbank, and this inspires confidence.

Sberbank deposits of individuals in 2017 suggest interest on deposits that cover economic risks, and moreover, they provide an opportunity to make good money. There are deposits with capitalization, in dollars and rubles, and options for retired people always have higher rates. The conditions of most deposits indicate that they can be terminated ahead of schedule, as well as replenished for any amount.

Sberbank customers who are registered in the Sberbank Online system will be pleased to know that the interest in 2017 on deposits made via the Internet is higher than for those made in bank branches.

How to choose a deposit for individuals?

The choice of a deposit at Sberbank for individuals in 2017 depends on interest on deposits, as well as individual conditions. It should be understood that a deposit is a transfer of your money to a bank for a specific period. Sometimes it is important to ensure the availability of these funds, as well as the opportunity to make more profit. Therefore, before choosing a deposit, you should analyze:

• What is the minimum down payment. This is the amount that the client deposits into the account when he opens a deposit. In 2017, at Sberbank, the first installment is 1, 10, 30 thousand rubles or 100, 1000 dollars (euros);
• for what period the deposit is placed. Sberbank offers deposits with a specific term. Usually it is up to 3 years, as well as indefinite;
• is it possible to replenish the deposit. Deposits with replenishment, as a rule, are more profitable: it is clear that the larger the amount, the higher the profit. In 2017, Sberbank has deposits with and without replenishment;
• is it possible to withdraw money. Sometimes money is needed urgently, and the easiest way is to simply withdraw it from the deposit. Therefore, in terms of accessibility Money, such contributions are preferable. You can withdraw money from the deposit only within certain limits, not less than minimum size initial deposit, otherwise it is considered an early break of the deposit.

How to open a deposit in Sberbank?

In Sberbank, deposits of individuals in 2017 can be opened at a bank branch and remotely, but the interest on deposits will differ.

Opening an account in a branch

Opening a deposit at a branch is very simple, just come to Sberbank with documents. Employees will help you choose the best program, as well as fill out the contract. Money can be deposited into an account at the cash desk, terminal, and also transferred from card account. Also, bank customers can download deposit documents from the official website of Sberbank, fill them out at home and simply bring them to the bank.

Opening a deposit online

The second way is to make a deposit using an Internet client or mobile application Sberbank Online. The user just needs to select deposits in the menu, fill out an interactive form and agree to the terms of the bank. Such Sberbank deposits of individuals in 2017 have higher interest rates on deposits, in addition, it is much faster and easier to issue them, because you do not need to go to the bank.

Principles for calculating interest in 2017 at Sberbank

Sberbank always develops several deposits with different conditions so that each client chooses the most acceptable option according to the totality of conditions. The greatest attention is always paid to the interest rate, because the higher it is, the greater the profit. There is different Sberbank deposits of individuals in 2017, interest on deposits is calculated as follows:

• dynamic - the deposit rate is floating and depends on how much is on the account and for how long. Most Sberbank deposits are exactly like this: the higher the amount and longer term deposit, topics more interest. The difference between the minimum and maximum bet may be several percent. In such deposits, it is beneficial to leave the accrued interest on the account, since then the profit grows significantly;
• statically - the rate on the deposit is fixed, does not depend on the term of the deposit.

In addition, the interest on the deposit is affected by the currency in which it is issued. In ruble deposits, the rate is always higher and amounts to 4-6% in 2017, in foreign currency it fluctuates around the 1% mark.

Deposits for individuals in 2017, interest on deposits

All Sberbank deposits of individuals 2017 and interest on deposits are available on the official website page Term deposits. If the visitor is interested in additional information, it can be found by clicking on the "Learn more" button.

To learn more

save

This is what the page with information about the contribution looks like.

Detailed information about Save

Interest can be withdrawn, sent to another card or left on deposit. The extension is automatic.

Replenish

This is a deposit for people who prefer to accumulate capital or collect money for some kind of purchase (event). Its conditions are optimal for these purposes:

Replenish

• dynamic rate - 4.9-5.2% (rubles), 0.1-0.9% (dollars), from 0.01% (euros);
• placement period - from 3 months to 3 years, and in euros from one to three years;
• the minimum own contribution is 1000 rubles, 100 dollars / euro.

The deposit can be replenished at any time by an arbitrary amount, as well as withdraw interest or transfer it to a card. It is not allowed to withdraw the body of the deposit before the end of the term (except in cases of break due to force majeure). Can be calculated online calculator your own income.

Calculation of income on the "Top up" deposit

drive

This deposit is preferable to those who want to save and accumulate money, but always have it at hand. Its conditions are somewhat stricter than others:

drive

• deposit rate - 4.62-5.41% (rubles), 0.01-0.6% (dollars), 0.01% euros;
• period of placement - as in the previous deposit;
• the smallest amount for down payment- 30 thousand rubles. or 1 thousand dollars / euro.

A big plus of the deposit is the ability to withdraw money at any time up to a fixed balance, as well as replenish it.

gift a life

This is a contribution offered under the charitable program of Sberbank together with the Podari Zhizn Foundation. It is accepted only in rubles:

gift a life

• interest rate - 5.95% per annum;
• placement period - one year;
• the minimum deposit is 10 thousand rubles.

The deposit cannot be replenished or withdrawn until the end of the agreement with the bank. Interest here is calculated not monthly, but once a quarter, and part of the interest from the amount of the deposit is directed to the treatment of children with oncological and hematological diseases. The site has a credit card of the same name.

Map Give Life

savings account

In addition to the above, there are Sberbank deposits of individuals in 2017, whose interest on deposits is small, but they provide the best opportunity to save capital and earn at the same time. These include a savings account. It has a modest rate in rubles, only 1.5-2.3% per annum (depending on the amount), but on the other hand, you can withdraw money from it within unlimited limits and replenish it at any time. In essence, this is an account with free movement of money, on which interest is charged.

savings account

It is advantageous to open a savings account in foreign currency, since the interest rate in this case is almost the same as other deposits, but other conditions are much better.

You can view all Sberbank deposits for individuals in 2017 and interest on deposits, as well as choose the best one using filters, on the Bank Deposit Calculator page at data.sberbank.ru/moscow/ru/person/contributions.

Today, the bank offers to choose a profitable deposit from the current product line. As before, personal accounts can be opened in foreign currency and in rubles. Next, we will tell you exactly what offers Bank No. 1 makes for individuals.

Interest rates on deposits in 2017 for today at Sberbank

Potential customers can find out the current interest on current offers by visiting the official website of the institution. Information is updated daily, and for review, just open the "deposits" tab and select the type of product you are interested in.

Check it out online on the official website Sberbank with interest on deposits for individuals can be opened by opening the "learn more" tab. Those products that are not available today are grouped in a separate section. They are intended only for existing customers. For each proposal, the initial percentages are indicated in maximum value, so the real rates after registration can be an order of magnitude lower.

Sberbank deposits in foreign currency 2017

Today, there are two types of accounts in foreign currency. For each of them, interest and rates are indicated in fixed amounts. Individuals are given the opportunity to open such an account in any currency from the list indicated on the website. In total, there are about 25 items on the list.

The "International" deposit provides for the placement of currency at a rate of 0.1%. The reason for this low rate is the unstable exchange rate. The maximum placement period is 3 years. The minimum amount for placement is from 100 USD. This offer does not provide for any actions with the account. Capitalization is carried out every 3 months.

On the account "Multicurrency" interest is identical - 0.1%. The maximum term for placement is no more than 2 years. Today, in foreign currency, you can place from 100 USD. In this case, it is envisaged to carry out replenishment and partial withdrawal. Capitalization is carried out every 3 months. Interest on deposits Sberbank for 2017 in currency will be valid throughout the year.

Deposits for individuals in Sberbank in 2017 in rubles

In rubles for individuals there is much more banking products. Rates are indicated in maximum terms, so they may be lower at checkout.

In rubles today you can open the following types of deposits:

• "Save" - ​​up to 6.49% with a minimum amount of 3 thousand rubles.
• "Replenish" - up to 6.23% for a maximum of 3 years
• "Manage" - 5.77% (fixed rate)
• "Give life" - up to 6.45% (the rate is set in this form if the account is opened for at least 3 years)

For the last three items, individuals can place at least 1 thousand rubles. Capitalization is provided in each of the cases.

What is a deposit in Sberbank?

Making a deposit is essentially receiving passive income. Those. funds credited to the account on demand in rubles and in foreign currency will be used by the bank in the course of its activities, and the client will receive interest on the previously credited amount for this.

Deposit of Digital Sberbank for individuals

This type involves registration completely online. Those. the client should not visit the bank to open an account, because an agreement is signed through an online form, and funds are credited digitally. The minimum amount is 1 thousand rubles. The rate is not fixed - up to 6.42%.

Sberbank metal deposits - Sberbank gold rate

Such a deposit can be opened by clicking on the "Metal Accounts" tab. There is a similar mechanism at work here. stock market— i.e. buy/sell ounces online. The price of gold changes almost every day. Today, the value is 452 rubles. for 1 gr.

Deposits for pensioners in Sberbank 2017

For pensioners, one offer is still valid - the “Pension” deposit. Under its terms, a client can place a minimum of 1,000 rubles. For obvious reasons, the calculation takes place only in rubles. If a pensioner wants to open a deposit in foreign currency, then for this he can freely use special foreign currency deposits.

The rate on the indicated deposit is not fixed and can reach a maximum of 6.45%. The term is optional, but not less than 3 months. Online registration is also available.

Sberbank deposits of individuals 2017 promotion high interest

This promotion has been temporarily suspended for the time being. Current interest rates on deposits Sberbank for today it is recommended to clarify only on the official website.

One of the types of income for citizens is placement in a bank, this is a reliable tool that is designed to store, protect and increase profits. The rate and conditions depend on the term of savings and the amount. Yield in national currency significantly higher than in others. However, to protect investments, experts recommend opening multicurrency contracts.

Today financial structures they try to keep their finger on the pulse, update information every day, monitor changes, some work ahead of the curve in order to simplify and improve the service to potential investors. To draw up an agreement on the placement of funds, it is not necessary to go to the branch, it is enough to have access to the Internet and a computer. Being at home, in a cozy atmosphere, it is easy to choose a deposit product, invest cash wisely, and receive dividends. Sberbank offers depositors:

1. "Time to Save"- quick profit short term, you can open it until August 18, 2017, for four months, at 7%. It's absolutely new type short-term deposits, allowable placement from 100 thousand.
2. « » – savings that are aimed at long-term storage, the contract is valid for up to three years, in rubles (up to 5.63%), US dollars (1.25%), euros (0.01%). Its peculiarity is that it is possible to replenish, and there is no withdrawal as needed.
3. « » - the name indicates that this product has a function of additional accumulation, which allows you to increase capital as needed and desired. Russian rubles- up to 5.12%, USD USA - up to 1.05%, euro - 0.01%. You can place from 3 months to 3 years.
4. « » - a convenient form that speaks for itself, you can remove, replenish as needed, depending on the circumstances. The maximum term is three years. P - up to 4.82%; $ - up to 0.7%, € - up to 0.01%.

As a result of keeping money, the client receives a stable income, and can direct it to replenish personal accounts, including a deposit one. To understand which savings scheme will be the most profitable, analyze how important it is for you to use money. Please note that interest is accrued according to existing obligations, capitalization is possible.

It is more profitable than in the department, you can do it within a day, at any time, seven days a week. To do this, you need to enter the online bank, select the required option, type of agreement, interest rate, currency. Decide from which account the amount will be debited, and where to credit the income. Read the terms of the agreement, and confirm the opening.