During the holidays in February and March 2020, Sberbank of Russia offers individuals and pensioners to open a new promo deposit “Catch the Spring” with a rate of 5 percent per annum in rubles.
By the holidays of February 23 and March 8, Sberbank, together with partners, decided to hold a promotion and offered customers discounts on various types of services and goods. Thus, he supposedly helps his clients “congratulate their relatives and friends and create a memorable #wow-day for them.”
The new promo deposit “Catch the Spring”, which Sber introduced for the holiday period – component this big #wow-action. What else the Security Council of the Russian Federation offers for gender holidays, we will tell below, but for now we will focus on the deposit. He's worth it.
Terms of Sberbank's "Catch the Spring" deposit
This is a typical promotional offer.
- Funds can be invested for a period of 5 months.
- The minimum amount is 50,000 rubles.
- Replenishment of the account and partial withdrawal of money without loss of profitability is not allowed.
- If you decide to withdraw the money before the end of the term, you will receive it without accrued interest.
If you forget to withdraw the money after the end of the term, the deposit will be extended at a rate of 0.01% per annum.
In a word, the terms of the deposit are quite expected. What then is so attractive about it? And this…
Interest rate on Sberbank's "Catch the Spring" deposit
Today, Sberbank does not please investors with profitability. After the end of accepting winter promotional deposits "New Year's Bonus" and "Favorable Start", the maximum profitability of Sberbank deposits decreased to 5.54% per annum. You can get so much if you open a “Save” deposit with an amount of 400,000 rubles or more for a period of 6 months to 2 years. And this is taking into account the capitalization of interest.
The interest rate of the Seize the Spring deposit is 5% per annum in rubles.
This makes this deposit the most profitable among the base deposits of the RF SB.
An overview of the conditions and rates of Sberbank deposits can be viewed.
When can I open a deposit?
The deposit is seasonal, it is dedicated to the holidays, and therefore the period of its acceptance is limited.
The "Catch the Spring" deposit from Sberbank is accepted only from February 19 to March 14, 2020.
Where to open the Seize Spring deposit
The Seize Spring deposit can only be made remotely, which means it is only suitable for those who are already Sberbank clients. You can open it in three ways:
- In the Internet bank Sberbank Online;
- In the Sberbank Online mobile application;
- At a Sberbank ATM.
How to open a deposit for those who are not a client of Sberbank?
If you are not yet a client of the Security Council of the Russian Federation, then contact the bank branch with a passport and issue some kind of debit card. After that, you will get access to Sber's remote service channels and will be able to open a deposit.
What discounts does Sberbank offer by February 23 and March 8
As part of the celebration, the “Million THANKS” campaign is planned for participants in the “Thank you from Sberbank” loyalty program. It runs from February 13 to March 13, 2020.
Discounts during this period will also apply to insurance products:
Travel insurance (10% discount from 20.02 to 10.03),
"Home Protection" and "Card Protection" (23% - from February 20 to 23 and 28% - from March 5 to 8).
When opening an individual investment account with the “Accumulative” trust management strategy and a one-time contribution of 250,000 of the Security Council of the Russian Federation, you will be given a tax return. The service is valid from 21.02 to 10.03.2020.
But the main bonuses will be received by those who use the services or services of the Sberbank ecosystem during this period.
Sberbank ecosystem discounts by February 23 and March 8
Sberbank ecosystem services participate in the project as follows:
- up to 25% discount - from the Delivery Club ready-made food delivery service;
- 21 days of subscription to Optimum and START service packages - from the Okko online cinema;
- 50% discount on a subscription until the end of the English Premier League season - from Okko.Sport;
- 10% discount for five trips with the Citymobil taxi service;
- discounts on gifts up to 50% on the Beru marketplace;
- one month of unlimited consultations with a therapist and pediatrician (23 rubles - from February 14 to 23, 8 rubles - from March 1 to March 8) - from DocDoc;
- discount on the SberMarket food delivery service (7% - from February 14 to March 23, 8% - from February 25 to March 31).
At Beru, you can buy gifts not only at a discount, but also get them on credit using the Buy with Sberbank service.
Sberbank deposits for individuals in 2020 have become less attractive due to rate updates. Read on this page how favorable interest rates and conditions are offered to the population today by the largest bank in Russia. The calculator will help you calculate your income.
Sberbank of Russia in 2020 offers its customers several types of profitable deposits for individuals:
1. ;
2. ;
3. .
Basic and premium deposits can also be divided into three large groups depending on the ability to manage funds. To choose the right one, you need to understand why you put money in the bank.
You can issue them in rubles and dollars. The bank temporarily does not open new deposits in euro, offering to use in euro at a rate of 0.01% per annum.
Pensioners receive special benefits when making a deposit at Sberbank. They will receive the maximum interest from the minimum amount on the "Save" and "Replenish" deposits. See more
But there is also a special deposit for receiving retirement income - "".
Note that all deposits in Sberbank today have the possibility of interest capitalization.
Deposits in Sberbank for individuals: interest and conditions
In 2020, Sber updated the rates for deposits in rubles and dollars. Read at what percentage you can open basic Sberbank deposits for individuals today. Compare terms to find the best option for you.
Deposit calculator
Sberbank deposit "Save"
You should pay attention to this deposit for individuals if you need to securely save money and receive a guaranteed stable income. By putting a large amount in the bank, you can withdraw good interest every month.
(+) Plus: high interest rate.
(-) Minus: there is no possibility of replenishment of the account and partial withdrawal money without losing interest.
Conditions
- Term: from 1 month to 3 years;
- Currency: Rubles / Dollars;
- Amount: from 1,000 ₽ / 100 $;
- Replenishment: no;
- Partial withdrawal: no;
- Capitalization: yes.
- Interest accrual: monthly withdrawal or capitalization.
Interest rate
from 1000 | |||||||
from 100000 | |||||||
from 400000 |
In dollars
from 100 | |||||||
from 3000 | |||||||
from 10000 | |||||||
from 200000 |
Deposit "Save Online"
The conditions of this deposit of individuals are similar to the “Save” deposit, only it is opened via the Internet. And interest rates are the same today.
Few? Look at the interest rate on deposits at VTB Bank today.
Sberbank deposit "Replenish"
This deposit will be of interest to those who prefer to save and regularly save money. You cannot withdraw the invested money, otherwise you will lose interest. But the interest itself, which is accrued monthly, can either be withdrawn or added to the deposit amount, that is, capitalized.
(+) Plus: it is possible to replenish the account.
(-) Minus: there is no possibility of partial withdrawal of money without loss of interest.
Conditions
- Term: from 3 months to 3 years.
- Currency: Rubles / Dollars;
- Amount: from 1,000 ₽ / 100 $;
- Replenishment: yes.
- Partial withdrawal: no.
- Capitalization: yes.
Interest rate
In dollars
from 100 | |||||
from 3000 | |||||
from 10000 | |||||
from 200000 |
Deposit "Top Up Online"
The conditions of this deposit for individuals are similar to the “Replenish” deposit, only it is opened via the Internet. And the stakes are the same.
Doesn't fit? See deposit rates at Rosselkhozbank -
Deposit of Sberbank "Manage"
The main feature of this deposit is that the depositor will be able to withdraw part of the funds at any time without losing interest. The main thing is that the so-called “minimum balance amount” remains on the account. It can be equal to 30, 100 or 400 thousand rubles. The deposit can also be replenished. And the interest accrued monthly can be withdrawn or capitalized.
(+) Plus: there is the possibility of replenishing the account and partial withdrawal of money without losing interest.
(-) Minus: low interest rate.
Conditions
- Term: from 3 months to 3 years.
- Currency: Rubles / Dollars;
- Amount: from 30 000 ₽ / 1000 $;
- Replenishment: yes;
- Partial withdrawal: yes;
- Capitalization: yes.
Interest rate
In dollars
from 100 | |||||
from 3000 | |||||
from 10000 | |||||
from 200000 |
Deposit "Manage Online"
The conditions of this Sberbank deposit for individuals are similar to the Manage deposit, only it is opened via the Internet. And interest rates are the same today.
See also the 50 most profitable deposits to date.
Deposits with higher rates
These are premium deposits that not all individuals can open, but only the owners of the Premier or First service packages. They have higher interest rates, but the minimum investment amount also corresponds to the premium status of clients.
- From 700,000 rubles or $50,000 for Premier package holders;
- From 5 million rubles and 150,000 dollars for clients with the First package.
Other conditions for premium deposits are the same as for basic ones.
Contribution "Special Save"
A deposit with increased rates for owners of the Sberbank Premier or Sberbank First service package. It is opened in the amount of 700,000 rubles or 50,000 dollars. Replenishment and withdrawal of money (except interest) before the end of the term is prohibited.
Contribution "Leader Save"
Contribution "Special Refill"
This is a replenishable deposit with increased rates for owners of the Sberbank Premier/Sberbank First service package. It is opened in the amount of 700,000 rubles or 50,000 dollars. You can replenish your account, but you won’t be able to withdraw money from the deposit without losing interest.
Contribution "Leader Replenish"
This is a premium deposit with increased rates for owners of the Sberbank First service package. It is opened in the amount of 5 million rubles, 150,000 dollars or 150,000 euros.
Contribution "Special Manage"
This is a deposit with increased rates for owners of the Sberbank Premier or Sberbank First service package. It is opened in the amount of 700,000 rubles or 50,000 dollars. Replenishment and partial withdrawal of money from the account is allowed.
Contribution "Leader Manage"
This is a premium deposit for owners of the Sberbank First service package. It is opened in the amount of 5 million rubles or 150,000 dollars. Replenishment and partial withdrawal of money from the account is allowed.
See interest on deposits at Raiffeisenbank -
Special deposits of Sberbank
These are, one might say, social deposits. They are intended to receive payments and benefits, as well as charity. However, this does not mean that they are less profitable. On the contrary, the “Give Life” deposit, for example, has an interest rate quite comparable to the “Save” deposit.
Contribution
This is a retirement income deposit. It is intended for individuals receiving pensions from the Pension Fund of the Russian Federation, non-state pension funds, as well as ministries and departments providing pensions.
(+) Plus: there is the possibility of replenishing the account and partial withdrawal without loss of interest.
(-) Minus: low profitability, restrictions on the investment period.
Conditions
- Term: 3 years;
- Amount: from 1 ruble;
- Replenishment: yes;
- Interest accrual: every 3 months.
- Capitalization: yes.
Interest rate
3.50% per annum without capitalization;
3.67% per annum with capitalization.
Not enough? See the most profitable deposits for pensioners in banks
Social deposit
This is a special deposit for children left without parental care. It can also be issued by veterans or invalids of the Great Patriotic War. The main feature of the deposit is that it can be opened in the name of an orphan child by legal representatives.
(+) Plus: the possibility of replenishment and partial withdrawal without loss of interest.
(-) Minus: low profitability, restrictions on the term and categories of clients.
Conditions
- Term: 3 years;
- Amount: from 1 ruble;
- Replenishment: yes;
- Partial withdrawal without loss of interest: yes;
- Interest accrual: quarterly.
- Capitalization: yes.
Interest rate
3.15% per annum without capitalization;
3.28% per annum with capitalization.
Sberbank's contribution "Give life"
This deposit is charitable. Part of the funds is directed 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.
Conditions
- Term: 1 year;
- Currency: Rubles;
- Amount: from 10,000 ₽;
- Replenishment: no;
- Partial withdrawal: no;
- Capitalization: yes.
Interest rate
4.50% per annum without capitalization;
4.58% per annum with capitalization.
Savings account of Sberbank of Russia
Savings account for free and confident management of money on a daily basis.
Conditions
- Term: Indefinitely;
- Currency: Rubles / Dollars / Euro / others;
- Minimum amount: Unlimited;
- Replenishment: yes;
- Partial withdrawal: yes;
- Interest accrual: monthly.
Interest rate
- from 1.00 to 1.80 in rubles;
- 0.01 in US dollars, 0.01 in euros, Canadian, Hong Kong and Singapore dollars, Chinese yuan, and pounds sterling.
How to draw up Sberbank deposits for individuals
Opening a deposit at Sberbank is easy, the main thing is that you have money that you can deposit with the bank!
1. In the office. To make a deposit, it is enough to contact any of the bank branches with money and a passport. Sberbank employees will complete all the necessary paperwork, and you will only have to sign where required.
2. Online. If you are already a client of Sberbank and use the Internet Bank, then you can open a deposit without leaving your home. Log in to the Internet bank, select the appropriate deposit and click the "Open deposit" button.
3. At an ATM. Use the nearest ATM and follow the instructions on the monitor.
Can I open multiple deposits at once?
Yes. The client can make any number of deposits.
Can I open a deposit for another person?
Yes. To open a deposit for another person, you need your passport and a notarized photocopy of the passport of the person for whom the deposit is being made.
Is it possible to open a “family” deposit for several people at once?
No. The deposit is opened only for one person. But the client can issue a power of attorney to manage the deposit for free. Using it, you can withdraw money and receive account statements, replenish a deposit, as well as close it or transfer funds to another account. To issue such a power of attorney, you must contact the office of Sberbank. Moreover, a trusted person does not have to come. The document is valid for 10 years.
Conditions for early termination
In any unforeseen situation, if clients need money before the end of deposits, they can always be received.
Early termination of deposits "Save", "Replenish", "Manage" and "Give Life" is subject to the following conditions:
1. For deposits for up to 6 months (inclusive) - at an interest rate of 0.01% per annum;
2. For deposits for more than 6 months:
During the first 6 months of the main (extended) term - based on the interest rate of 0.01% per annum;
after 6 months of the main (prolonged) period - based on 2/3 of the interest rate set by Sberbank for this type of deposits on the date of opening (prolongation) of the deposit.
In case of early termination of deposits, interest is recalculated without taking into account the monthly capitalization!
In case of early withdrawal of the deposit "Pension-plus of Sberbank of Russia" the rate set on the date of opening (prolongation) of the deposit does not change.
FAQ
?
What is an irreducible balance?
This is the minimum amount that must be kept in your account during the term of the deposit.
?
What is the maximum deposit amount?
This is the amount of the deposit at the end of the day of the date of opening or prolongation of the deposit, increased by 10 times.
?
What is interest capitalization?
This is a monthly addition of accrued interest to the deposit amount. As a result, in subsequent periods, interest is accrued both on the deposit and on this interest, and the deposit grows faster. The rate on a deposit with capitalization is higher than without capitalization.
?
How can I withdraw accrued interest?
Interest can be withdrawn at any time in whole or in part. You can get them through Sberbank Online or at a bank office.
?
Under what conditions is the deposit renewed?
If you have not withdrawn the money at the end of the deposit period, then it is automatically extended on the terms and at the rate that are in effect on the date of prolongation. So the percentage may change. If the deposit is no longer valid, then it is extended on demand at a rate of 0.01% per annum, as specified in the agreement.
Conclusions: what are the benefits of deposits of individuals in Sberbank
Rosbank deposits law of the Russian Federation taxes reviewsSberbank deposits for individuals in 2017
As in all previous years, in 2017 deposits of Sberbank of Russia continue to lead by a large margin from deposits placed by individuals in other banks Russian Federation. So, if we consider how the rating of Russian banks has changed over the past five years, we can state that Sberbank of Russia continues to occupy the first position in terms of the volume of deposits of individuals, and by a huge margin, which in figures for the five leading banks in the country looks like this:
| №№ | Name of banks | Deposits of individuals as of December 2016, (million rubles) | Physical contributions. persons as of December 2011, (million rubles) | Growth of deposits by 2011 |
||
|---|---|---|---|---|---|---|
| sum | place | sum | place |
|||
| 1. | Sberbank of Russia | 10 448 166 | 1 | 5 119 744 | 1 | 2,04 |
| 2. | VTB 24 | 2 097 565 | 2 | 781 842 | 2 | 2,68 |
| 3. | ALFA BANK | 637 325 | 3 | 209 231 | 4 | 3,05 |
| 4. | Gazprombank | 630 158 | 4 | 233 707 | 3 | 2,70 |
| 5. | ROSSELHOZBANK | 578 341 | 5 | 138 865 | 7 | 4,16 |
The table shows that deposits in Sberbank continue to grow, but the rate of this growth is generally inferior to that of other leading banks. Why do depositors, despite the lower interest rates offered on Sberbank deposits, continue to place their savings in this bank? This is simply because nothing has changed dramatically so far and the reasons remain the same:
- Sberbank of Russia has practically no competitors among banks in small towns, towns and regional centers, and in many regional centers too. Sberbank has about 20 thousand branches throughout the country, and none of the Russian banks has such a number of branches in the country. He is still a monopolist who plays by his own rules.
- The belief of many people that the state will not let this bank go bankrupt, because its main founder is the Bank of Russia. True, the share of the Central Bank of the Russian Federation in the authorized capital of Sberbank has already decreased to 50% of the authorized capital plus one voting share.
- The presence of a well-established and long-established niche for transferring pensions to "passbooks" and "debit pension cards" by Sberbank. A part of such transfers from the Pension Fund settles on the deposit accounts of the bank's depositors.
- Force of habit. No matter how much we scold Sberbank, but because of their habit and affection, older people will definitely open a deposit in Sberbank. Sometimes even to their own detriment. And deposit insurance of other Russian banks (up to 1,400 tr) does not yet tip the scales in their favor.
- Registration of a savings book for simple deposits, which is stipulated in the bank deposit agreement, and which other banks cannot boast of. The presence of passbooks has always had a positive effect on the image of Sberbank among depositors. True, lately, Sberbank has been hurting itself greatly due to titanic efforts to replace passbooks with debit cards, literally forcibly imposing bank cards, and this annoys and repels many, because the client should have the right to free choice, not imposed by anyone.
Interest rates and conditions on Sberbank deposits at the beginning of 2017
At the beginning of 2017, Sberbank's interest rates on deposits of individuals changed slightly against 2016. Today, Sberbank of Russia offers the population the following deposits, interest rates and the main conditions for which are as follows:| Name of deposit | Deposit rates for all (in % per annum) | Investment terms | Minimum deposit amount | Interest term | Peculiarities |
||
|---|---|---|---|---|---|---|---|
| In rubles | in US dollars | In Euro | |||||
| Contribution "Save" | 4,60 - 6,40 | 0,01 - 1,05 | 0,01 - 0,01 | from 1-2 months up to 3 years | monthly | Contribution with sum ranges; not replenished; without partial removal. |
|
| Deposit "Top up" | 5.20 - 6,15 | 0,01 - 0,90 | 0,01 - 0,01 | 3 months - 3 years | monthly | With sum ranges; refillable; without removal. |
|
| Deposit "Manage" | 4.85 - 5,70 | 0,01 - 0,60 | 0,01 - 0,01 | 3 months - 3 years | monthly | With sum ranges; with replenishment and partial withdrawal |
|
| Deposit "Give Life" | 6.30 | - | - | 1 year | once every 3 months | Without replenishment and partial withdrawal |
|
| Savings account | 1,50 - 2,30 | 0,01 - 0,01 | 0,01 - 0,01 | perpetual | Not limited | monthly | deposits and withdrawals are unlimited |
| Contribution "Save Online" | 4,85 - 6,85 | 0,1 - 1,25 | 0,01 - 0,01 | Individual up to the day: 1 month. - 3 years | RUB 1,000 / USD 100 / EUR 100 | monthly | Amount ranges, non-replenishable, no partial withdrawal |
| Deposit "Replenish OnL@yn" | 5,45 - 6,60 | 0,01 - 1,10 | 0,01 - 0,01 | 3 months - 3 years | RUB 1,000 / USD 100 / EUR 100 | monthly | sum ranges; refillable, without withdrawal |
| Deposit "Manage Online @ yn" | 5,10 - 6,15 | 0,01 - 0,80 | 0,01 - 0,01 | 3 months - 3 years | RUB 30,000 / USD 1,000 / EUR 1,000 | monthly | Total Range |
| Social deposit | 5,20 | - | - | 3 years | 1 ruble | quarterly | issued in the name of an orphan; refillable, with partial withdrawals |
| Pension-plus of Sberbank of Russia | 3,5 | - | - | 3 years | 1 ruble | quarterly | To pay pensions; refillable, with partial withdrawals |
| Demand deposit of Sberbank of Russia (in 12 currencies) | 0,01 | 0,01 | 0,01 | perpetual | No | quarterly | for settlements, non-reducible balance of 10 rubles / 5 US dollars / 5 euros / others - the equivalent of 5 US dollars |
| Deposit "Universal Savings Bank of Russia" (in any currency) | 0,01 | 0,01 | 0,01 | 5 years | 10 rubles / 5 US dollars / 5 euros / others - the equivalent of 5 US dollars | quarterly | for calculations |
| Nominal account for crediting social payments | 3,67 | - | - | Indefinitely (valid until the account is closed) | from 0 | quarterly | for calculations |
Interest rates on Sberbank deposits traditionally remain significantly lower than in other banks and significantly lower than the key rate of the Bank of Russia (the key rate until February 3, 2017 was 10.00%).
In addition, the interest on ruble deposits of Sberbank has a peculiarity: - rates for a period of 3 months to 1 year are significantly higher than rates for a period of 2 to 3 years.
I would like to believe that Sberbank has begun to depart from the long-term conservative tradition of deposits of individuals, and its innovations will be assessed by depositors according to their merits?! But the rates on deposits, which is of fundamental importance, have not changed significantly. So, for the deposits of Sberbank of Russia, the following has changed:
- In most of the names of Sberbank deposits, the “standard”, and the prefix in the form of “Sberbank of Russia”, which has set the teeth on edge, has disappeared, and only for 3 deposits the prefix in the name has been preserved (for example, “Pension-plus of Sberbank of Russia”).
- For certain types of deposits, Sberbank offers "Individual deposit term, which is exactly what you need, up to a day." Interest rates on such deposits are set in sum and time ranges.
- For individual deposits, the monthly accrual of interest returned with the possibility of adding profit to the deposit after each month from the date of opening, although at low rates this income does not give depositors anything
- For 3 types of deposits, depositors are offered to make deposits through Sberbank ATMs, these are deposits “Save Online @ yn”, “Replenish Online @ yn”, “Manage Online @ yn”.
- The Sberbank website now lists not only simple deposit rates, but also interest rates, taking into account interest capitalization. This, as it were, should encourage the depositor not to withdraw interest until the end of the investment period under the agreement.
- refillable
- With partial withdrawal
- With a minimum deposit amount of 1 ruble
- Account replenishment - both cash and non-cash (unlimited)
- It is issued only by a legal representative upon presentation of an act of the guardianship and guardianship authority on the establishment of guardianship / guardianship / placement of the child in a specialized social institution
What is the most profitable and profitable deposit in Sberbank in 2020: read how to choose and open a deposit with a higher interest rate today.
Sberbank, perhaps, primarily attracts depositors with its stability. It is no secret that the registration of deposits of individuals in Sberbank is one of the most reliable ways to invest money today. Sberbank is the largest bank in Russia in terms of retail deposits and ranks first in the ratings for assets, equity, and many others.
You can open a Sberbank deposit not only in Moscow, St. Petersburg or another large city, but even in small towns, since there are a lot of branches.
Of course, many banks in Russia offer depositors more high interest. But even in the updated line of Sberbank today you can find savings programs with high interest rates. So let's consider what is the most profitable deposit in Sberbank in 2020.
What is the most profitable deposit of Sberbank today
Like many banks, Sberbank today has savings programs for ordinary individuals and premium customers. Of course, the latter are a little more profitable, but due to the large initial contribution and a number of other requirements, not everyone can make premium deposits. We will return to them below, but for now we will consider the most profitable products from the basic line that anyone can arrange.
1. The most profitable deposits from the basic line
More recently, in order to issue any of the basic deposits in Sberbank at the highest interest rates, you needed a computer or phone with an Internet connection, or at least an ATM. This was important because when opening a deposit in the Sberbank-Online Internet bank, an ATM or a self-service device, the interest rate was higher. But today this rule does not work!
Now the profitability of basic deposits does not depend on the method of registration, but varies only on the amount and term.
Accordingly, the rates for online deposits and those opened at a bank branch are the same.
Sberbank deposit with a high interest rate
This savings program will be useful for safe keeping of your money and getting a guaranteed income.
(+) Plus: high profitability.
(-) Minus: there is no possibility of replenishing the account and partial spending of money without losing interest.
Conditions
- Term: 1 month. - 3 years;
- Replenishment: not provided
- Partial withdrawal: not allowed, except for accrued interest.
- Interest accrual: monthly. Accrued interest can be withdrawn, as well as transferred to the card account.
- The accrued interest is added to the amount, increasing income in the following periods.
Interest rate
from 1000 | |||||||
from 100000 | |||||||
from 400000 |
In dollars
from 100 | |||||||
from 3000 | |||||||
from 10000 | |||||||
from 200000 |
Doesn't fit? See the percentage of deposits in VTB Bank -
Deposit calculator
Sberbank deposit
A replenishable deposit for those who prefer to save and regularly save their funds using the convenient and reliable Sberbank Internet Bank.
(+) Plus: it is possible to replenish the account.
(-) Minus: there is no possibility of partial spending of money without losing interest.
Conditions
- Term: from 3 months to 3 years;
- Amount: from 1000 rubles / 100 US dollars;
- Replenishment: provided;
- Minimum deposit: in cash - from 1,000 rubles / 100 US dollars, non-cash - unlimited;
- Partial withdrawal: not allowed;
- Capitalization: provided.
Interest rate
In dollars
from 100 | |||||
from 3000 | |||||
from 10000 | |||||
from 200000 |
See also: 50 most profitable deposits today -
Sberbank deposit
This is a savings program for free money management with the ability to use part of the funds without losing interest.
(+) Plus: it is possible to replenish the account and partially spend money without losing interest.
(-) Minus: low profitability.
Conditions
- Term: from 3 months to 3 years;
- Amount: from 30,000 rubles. / $1,000;
- Replenishment: provided. Cash - from 1000 rubles. / $100; Cashless - unlimited;
- Partial withdrawal: allowed up to the level of the minimum minimum balance without loss of accrued interest.
Interest rate
from 30000 | |||||||
from 100000 | 2,7% | ||||||
from 200000 |
Not enough? See the conditions for storing money in the Russian Agricultural Bank -
Sberbank's contribution "Give life"
This deposit for individuals is charitable. Part of the funds is directed 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.
Conditions
- Term: 1 year
- Currency: Ruble
- Amount: from 10,000 rubles
- Replenishment: not provided
- Partial withdrawal: not provided
- Capitalization: provided.
Interest rate
4.50% per annum (4.58% per annum with capitalization).
The most profitable deposit of Sberbank in 2020: which one to issue
Let's try to find out which of the basic deposits of Sberbank is the most profitable today. The easiest way is to compare percentages. But since the deposit rates change depending on the duration of the investment, we will compare the profitability for specific periods.
Let's say you need to invest 500 thousand rubles up to 1 year. Which contribution do you prefer? For clarity, the site compiled a comparative table, where they indicated the best offer for a specific investment period.
Income after 1 year and the amount of 500,000 rubles. |
|
gift a life | 22 946 |
As you can see, with a period of 1 year, the “Give Life” charitable deposit can be considered the most profitable today.
But when investing money for other periods, the deposit "" gives the maximum income.
And if you intend to save money, then pay attention to the “Replenish” deposit. If you need to be able to withdraw part of the money from the bank at any time, then the “Manage” deposit will be the most profitable for you.
And finally, the most important thing. If you want to invest more than 700,000 rubles, then it may be most preferable for you to open a deposit with a higher rate for premium clients.
In an 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 of the country's banking system.
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. The accrued interest on the deposit can be cashed out or transferred to the Sberbank bank card account.
"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. Funds “earned” in excess of the initial capital 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 or Mobile Bank system, 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, 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 a 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. No additional income on the balance and no 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 other banknotes equivalent to 5 US dollars. 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.
