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 replenishing the account and partial withdrawal of money without losing interest.
Terms
- 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 | |||||||
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from 400000 |
In dollars
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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.
Terms
- 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.
Terms
- 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. Depositing and withdrawing money (except for 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.
Terms
- 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.
Terms
- 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.
Terms
- 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.
Terms
- 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 extended?
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 same 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
Deposits of Sberbank of Russia for individuals today remain attractive, although they do not have the most favorable interest rates in 2020. Compare the updated conditions for opening deposits in rubles and foreign currencies, online and in a branch.
Updated deposit rates of Sberbank of Russia for today
Sberbank in 2020 updated interest rates on deposits of individuals. Today, deposits are not as profitable as in many other banks. But individuals, when choosing a bank for investing funds, 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 refunded an amount of no more than 1.4 million rubles, including interest. Read more about deposit insurance
The line of deposits of individuals in Sberbank is simple and understandable:
- – “Keep” and “Special Keep”,
- – “Replenish” and “Special Replenish”,
- with replenishment and partial withdrawal 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 - on deposits "Save" and "Replenish" the maximum interest rate is set for the selected period, regardless of the amount of the deposit. See the terms and interest rates of Sberbank deposits
Deposits in Sberbank today: interest and conditions
Let's compare interest rates and conditions for opening deposits of individuals in Sberbank today - in 2020.
Sberbank deposit "Save": interest and conditions
Deposit of individuals for reliable savings and obtaining a guaranteed stable income. Without the possibility of replenishment and partial withdrawal without loss of profitability. Opens in branch, online and ATM.
Terms
- Term: from 1 month to 3 years inclusive;
- Minimum amount: 1,000 rubles / 100 US dollars.
- Replenishment: no ;
Terms of interest
Interest rates
Without capitalization
Taking into account capitalization
In Russian rubles
In US dollars
Sberbank temporarily does not open new deposits in euro, and offers to use the Savings account in euro at a rate of 0.01% per annum.
Deposit of Sberbank "Replenish": interest and conditions
A replenishable deposit for those who prefer to save and regularly save money in a reliable bank. Opens in branch, online and ATM.
Terms
- Term: from 3 months to 3 years;
- Minimum amount: 1,000 rubles / 100 dollars.
- Partial withdrawal without loss of interest: no.
- Interest rate increase: automatically upon reaching the next sum gradation.
Terms of interest
- Interest is calculated monthly.
- The accrued interest is added to the deposit amount, increasing income in the following periods (capitalization).
- Accrued interest can be withdrawn, as well as 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 safe keeping of your savings with the possibility to withdraw part of the funds before the expiration of the deposit without loss of interest. Refillable. Opens in branch, online and ATM.
Terms
- Term: from 3 months to 3 years;
- Minimum amount: 30,000 rubles / 1,000 dollars.
- Replenishment: yes. Cash - from 1,000 rubles / 100 dollars. Cashless - not limited;
- Partial withdrawal without loss of interest: yes. Up to the level of the minimum amount of the minimum balance without loss of accrued interest.
- An increase in the interest rate: when the deposit amount increases to the next amount gradation and when an additional agreement is concluded to increase the amount of the minimum balance.
Terms of interest
- Interest is calculated monthly on the entire amount of the deposit (the interest rate depends on the amount of the minimum balance).
- Accrued interest can be withdrawn, as well as transferred to the card account.
- Accrued interest is added to the deposit amount, increasing income in the following periods.
Interest rates
in Russian rubles
in US dollars
Deposit of Sberbank "Give Life": conditions and rates
Deposit 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. Opened at the branch.
Terms
- Term: 1 year;
- Minimum amount: 10,000 rubles.
- Replenishment: no ;
- Partial withdrawal without loss of interest: no.
Terms of interest
- Interest is accrued every 3 months;
- In case of early termination of the deposit, interest is recalculated without taking into account 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 retirement income. 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.
Terms
- Term: 3 years;
- Minimum amount: 1 ruble;
- Replenishment: unlimited;
- Interest accrual: every 3 months. Accrued interest is added to the deposit amount, increasing income in the following periods;
- Early termination: upon demand of the deposit, the rate set 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 "Social" deposit: conditions and rates
This is a special deposit for social payments to orphans and war veterans.
Terms
- Term: 3 years;
- Minimum amount: 1 ruble;
- Replenishment: unlimited;
- Partial withdrawal without loss of interest: up to the level of the minimum balance amount;
Terms of interest
- Interest is calculated quarterly.
- Accrued interest is added to the deposit amount.
- Interest accrued can be withdrawn.
Interest rate
Deposits in Sberbank are 5 classic options for individuals, 3 types for pensioners, 3 special savings accounts, 3 accounts with the possibility of withdrawal and replenishment, as well as 1 deposit-"gift" for the child's majority. Sberbank deposits in 2019-2020 not only varied, but also dictate terms to other banks. This is an interesting fact, and we will also understand this. You can calculate the potential profit on the Sberbank deposit calculator.
But first, a few important introductory paragraphs.
Note from 08.10.2019: Almost all deposits the rate was reduced by 1%. The exception is the "Social" deposit, in which the percentage increased by 0.2 points: from 3.5% to 3.7%. The remaining deposits became less profitable.
For the older generation: Deposits for pensioners in Sberbank are presented in 3 options: one separate deposit and two special programs that operate in addition to the standard deposit.
There is also a simulator for opening deposits: Before submitting a real application for opening a deposit online, you can practice on the site. Sber has developed this service specifically for beginners in online banking.
Rate increase: Regardless of the deposit you can increase your rate by up to 1%.
How to get a increased rate? And what deposit is suitable just for you? Read below.
What to do if questions remain: At the end of the article we have support contacts. Bank specialists will answer any of your questions.
Sberbank deposits for today
Today, deposits in Sberbank set the trend throughout the market. Why is it important to know about this? In order not to make a mistake in choosing a bank.
In the first half of April 2019, many banks began to cut rates. First, VTB, then Rosselkhozbank and Alfa-Bank, joined the interest-cutting marathon and Otkritie Bank.
What was the reason? At the end of March, Sberbank prematurely suspended the Catch the Profit deposit. It was distinguished by high rates - up to 7.65% (if invested for a year and a half).
As soon as there was no need to compete with this Sberbank deposit - on the principle of dominoes began to crumble high interest and other financial institutions.
This was written about in all the media, and experts began to predict a further reduction in rates on foreign currency deposits.
Therefore, since the end of March 2019, deposit rates at Sberbank have not been the highest on the market - after the abolition of "Catch the Profit".
But it is highly likely that screw-on trend for depositors will continue, and soon other banks will begin to offer exactly the same conditions.
Because Sberbank is a benchmark for others. Recall that the bank was founded in 1841. As of January 2019, 70% of Russian residents use Sberbank services.
46% of deposits in the Russian Federation are deposits made in Sberbank.
How to raise your bid
There are three options for getting a higher rate:
- Open online. Given the availability of an online simulator, this will not be difficult;
- Invest from 5 million rubles- in this case, your rate is guaranteed to increase by 1%:
- Connect the Sberbank.Premier service package. At the same time, the minimum investment amount is 700,000 rubles.
The easiest option is the first one. Therefore, we will quote the current rates including opening an account online. Instructions for opening (including in video format) will be in the following sections.
Capitalization
Separately, it is worth focusing on capitalization. It is possible for all Sberbank deposit accounts, but the choice - to connect or not - is up to you.
Capitalization means that the interest accrued on the deposit will be added to the deposit amount and not listed on your map, for example.
Capitalization allows you to increase the rate and total income.
Below in the tables you will see the main percentages and "grey" interest- the latter and relevant subject to capitalization.
Sberbank: deposits for individuals in 2019-2020
Let's start with 5 "classic" interest deposits Sberbank relevant for individuals in 2019-2020.
Important information for pensioners: there are special conditions for you in two deposits (“Save” and “Replenish”).
We will describe them in general terms, and you will find more detailed information. next section.
Contribution "Save"
Sberbank's "Save" deposit is a combination of favorable interest and a wide range of investment terms.
- Maximum: 5% per annum(when applying online);
- Entry threshold: 1 000 ₽, $100.
- Duration: from a month to 3 years.
- Accrual %: every month;
- Early closure: maintained from 2/3 per annum if the account is closed at least 6 months after opening;
- Early closing for up to 6 months: recalculation at 0.01% per annum;
- Replenishment/withdrawal: no.
Important: For pensioners, the maximum rate is relevant. It does not matter the amount of the first installment, only the period of placement. The same conditions apply for "Replenish".
For ruble investments 
For ruble investments How to open a deposit in Sberbank: online simulator
You can try to apply for opening in test mode.
Information from the Sber website How it works:
- Go to the special website of Sberbank - deposits in test mode: trainer.sberbankaktivno.ru;
- Click on the button "To begin";
- Enter "fake" data (absolutely any) to enter supposedly existing Sberbank.Online account;
- Confirm the entry (again dial any numbers);
- Follow the arrows: go to the section "Deposits and accounts", choose the opening and choose the deposit of interest;
- Enter your deposit details(amount, term, and so on), confirm the terms of the contract;
- Hooray! Your fake account has been opened.
The simulator is designed so that a potential investor can practice and make sure that everything is simple.
There is also a video tutorial:
Sberbank deposit calculator
Enter the interest on the Sberbank deposit that you are interested in, as well as the term and amount to calculate potential profit.
Online calculator of Sberbank deposits - it is a fast and free way to calculate profitability.
Sberbank of Russia has developed for 2016 a line of excellent deposits for individuals, the maximum percentage is up to 10.00% per annum.
Of course, you will say that in other banks the rate is higher, it reaches 15% per annum (in offers for shares, even higher), but it just so happened, the lack of interest in this case is a payment for the reliability, stability and convenience of our “giant” banking spheres.
In this line there are deposits for every taste and color: with capitalization, without it (monthly payment to the account), for those who like to replenish, and for those who withdraw a lot, multi-currency (ruble, dollar, euro), and super multi-currency (set currencies is simply shocking), for pensioners, and those who are not indifferent to the fate of a child with cancer.
By terms, there are deposit products, from 1 month to a termless deposit (“Savings Account”).
1. Deposit “Save” from Sberbank
The “Save” deposit is provided with capitalization (rate up to 9.07% per annum), and without it, with a monthly transfer of interest to the card account (up to 8.05%).
Deposit replenishment and withdrawal from it is not allowed.
You can make a deposit for a period of 1 month to 3 years, in three currencies (the maximum rate in dollars is 2.22%, in euros - 1.17% per annum).
Minimum opening amount: 1000 rubles, 100 euros or a dollar.
The conditions for early termination are as follows: if the deposit is less than six months, the rate is reduced to 0.01% per annum, if the term is more than six months, 2/3 of the percentage set for this program is retained.
And one more nuance that will be of interest to our Citizens of retirement age. Since the highest rates are given for large amounts (700 thousand - 2 million rubles), then for individuals pensioners, a preferential condition has been introduced for 2016 - regardless of the amount of the deposit, the rate is set at the maximum value, naturally for each specific program it will be vary.
| Deposit amount | 1-2 months | 2-3 months | 3-6 months | 6-12 months | 1-2 years | 2-3 years | 3 years |
|---|---|---|---|---|---|---|---|
| from 1,000 to 100,000 | 6,30 (6,30*) | 6,70 (6,72) | 7,10 (7,14) | 7,40 (7,52) | 7,55 (7,82) | 7,55 (8,12) | 7,55 (8,44) |
| from 100,000 to 400,000 | 6,45 (6,45) | 6,85 (6,87) | 7,25 (7,29) | 7,55 (7,67) | 7,70 (7,98) | 7,70 (8,30) | 7,70 (8,63) |
| from 400,000 to 700,000 | 6,60 (6,60) | 7,00 (7,02) | 7,40 (7,45) | 7,70 (7,82) | 7,85 (8,14) | 7,85 (8,47) | 7,85 (8,82) |
| from 700,000 to 2,000,000 | 6,80 (6,80) | 7,20 (7,22) | 7,60 (7,65) | 7,90 (8,03) | 8,05 (8,35) | 8,05 (8,70) | 8,05 (9,07) |
| from 2 000 000 | 6,80 (6,80) | 7,20 (7,22) | 7,60 (7,65) | 7,90 (8,03) | 8,05 (8,35) | 8,05 (8,70) | 8,05 (9,07) |
2. Deposit “Manage”– withdrawal without loss of interest
The main advantages of this product are the withdrawal and replenishment during the entire period of the deposit.
Withdrawal is possible only up to the amount of the minimum balance.
The term is from three months to three years, the minimum amount: 30 thousand rubles, 100 euros or a dollar (you can replenish from 1 thousand rubles).
Interest accrual of your choice: either with capitalization back to the account, or monthly withdrawal (for example, to a bank card).
The maximum interest is 7.31% per annum (capitalization), 7.20% - if you have chosen monthly interest withdrawal (up to 0.86% in euros, 1.80% in dollars).
| Deposit amount | 3-6 months | 6-12 months | 1-2 years | 2-3 months | 3 years |
|---|---|---|---|---|---|
| 30 000 | 6,55 (6,59*) | 6,70 (6,79) | 6,00 (6,17) | 5,95 (6,30) | 5,85 (6,38) |
| 100 000 | 6,70 (6,74) | 6,85 (6,95) | 6,15 (6,33) | 6,10 (6,47) | 6,00 (6,56) |
| 400 000 | 6,85 (6,89) | 7,00 (7,10) | 6,30 (6,49) | 6,25 (6,64) | 6,15 (6,74) |
| 700 000 | 7,05 (7,09) | 7,20 (7,31) | 6,50 (6,70) | 6,45 (6,86) | 6,35 (6,97) |
| 2 000 000 | 7,05 (7,09) | 7,20 (7,31) | 6,50 (6,70) | 6,45 (6,86) | 6,35 (6,97) |
Note: * – interest capitalization rate.
3. Deposit “Top up”- choose the best conditions
An excellent product of Sberbank, for those who prefer to save money gradually, but at the same time get a high percentage.
The minimum amount to open a deposit account is only 1 thousand rubles (can be opened in dollars and euros - from 100).
You can choose capitalization or payment of interest to the account for withdrawal, they are charged monthly.
Withdrawal is not allowed, replenishment of the deposit from 1000 rubles is welcome, the term of the deposit is from 3 months to 3 years.
Maximum rate: with capitalization - 8.07% per annum, without it (to the card account) - 7.65%(to get it, you need to make a contribution of 700 thousand rubles, for a period of six months to a year, see the table under the product description).
There are preferential terms for Sberbank pensioners - for any deposit amount, the maximum percentage is assigned (7.65 - 8.07% per annum).
| Deposit amount | 3-6 months | 6-12 months | 1-2 years | 2-3 months | 3 years |
|---|---|---|---|---|---|
| from 1,000 to 100,000 | 6,85 (6,89*) | 7,15 (7,26) | 6,90 (7,12) | 6,85 (7,32) | 6,75 (7,46) |
| from 100,000 to 400,000 | 7,00 (7,04) | 7,30 (7,41) | 7,05 (7,28) | 7,00 (7,49) | 6,90 (7,64) |
| from 400,000 to 700,000 | 7,15 (7,19) | 7,45 (7,57) | 7,20 (7,44) | 7,15 (7,66) | 7,05 (7,83) |
| from 700,000 to 2,000,000 | 7,35 (7,40) | 7,65 (7,77) | 7,40 (7,66) | 7,35 (7,89) | 7,25 (8,07) |
| from 2 000 000 | 7,35 (7,40) | 7,65 (7,77) | 7,40 (7,66) | 7,35 (7,89) | 7,25 (8,07) |
Note: * – interest capitalization rate.
4. Deposit for the "Happy Year" promotion- with the maximum percentage
You can get up to 10% per annum - this is the highest rate of Sberbank at the moment, but in order to take it, you need to invest at least 10 million rubles.
For the deposit amount from 150 thousand rubles to 1 million - 9% per annum, from 1 to 10 million - 9.50% per annum.
One minus is a very large deposit opening amount, from 150 thousand rubles.
Opened for a period: in rubles - 9 months, dollars and euros - 10 or 18 months.
Deposit and withdrawal operations are not permitted by the bank agreement.
You can make a deposit at any office of Sberbank, there is also the possibility of remote opening, through Sberbank-Online.
5. Deposit “Give life” help sick children
Charitable contribution - helping seriously ill children.
The Bank once a quarter transfers 0.3% per annum from each contributor of this program to the charity fund.
Interest rate: with capitalization - 8.35%, with quarterly withdrawal of interest - 8.10% per annum.
The minimum amount is only 10 thousand rubles, the deposit term is 12 months.
The deposit is not replenished, without partial withdrawal.
6. Deposit “Multicurrency”– opens in 3 currencies
You can place simultaneously in rubles, dollars or euros.
The rates are very low: rubles - up to 6.88% (without capitalization - 6.55% per annum), dollar up to 1.78%, euro - 0.91% per annum.
Very low opening thresholds: 5 rubles / dollars / euros. Term from 1 to 2 years.
Withdrawals are not allowed, but you can replenish from 1 thousand rubles, or 100 dollars / euros.
Interest is calculated once a quarter, they can be “used” for capitalization, or withdrawn to a card.
7. Deposit “Pension Plus”- multiply your pension
In addition to the special conditions for Sberbank pensioners in products (described in detail above): “Save”, “Manage”, “Replenish”, the bank also has a separate program for Citizens of the Russian Federation of retirement age.
True, compared to the rates described above (which, as we know, pensioners can use to the maximum, regardless of the amount of the deposit), the percentage here is very insignificant - 3.55% per annum with capitalization, and 3.50% without it.
In defense of this product, we can say that despite the low rate, there are comfortable conditions here, for example: unlimited replenishment, withdrawal to an irreducible balance, the minimum deposit amount is 1 ruble.
The term of the deposit is three years, interest is calculated quarterly.
This concludes my review of deposit programs at Sberbank, I hope you will find the information you need in it.
The maximum interest on Sberbank deposits for individuals for 2017: rubles - 6.49% per annum (on the days of the promotions - up to 10.00% per annum), dollars - 1.06%, euros - 0.01%.
We are already accustomed to the fact that the interest on Sberbank deposits is the lowest among similar “products” of other Russian banks.
The policy of the bank “makes it clear” that we are the “largest” and “reliable”, and you will still come to us, no matter what rates we approve.
Of course, the policy is “controversial”, because in almost all banks of the Russian Federation that accept deposits from the population, all amounts of Citizens are insured by the State (I now mean deposits up to 1.4 million rubles).
And about the "large" I will only say one thing - competitors represented by "VTB 24" (its "daughters" "Post Bank" - together, as they say "we are strong"), are rapidly opening new offices, developing a whole range of innovative financial programs and tools, slowly taken away from the "dozing" "Sberbank", regular customers.
Well, okay, let's not understand the intricacies of banking policy, but let's focus on Sberbank's deposit programs.
2. Deposit program "Replenish" - with the option of replenishment
In contrast to the above program, in this deposit, there was a replenishment. You can replenish the deposit in the amount of 1,000 rubles, during the entire period of stay.
The maximum rate on deposits in rubles - up to 6.23% per annum.
Interest is accrued monthly, they can be transferred back to the deposit, i.е. use capitalization, or rent for “personal needs”.
Deposit term from 3 months to 3 years. The most favorable rates under the “Replenish” program “lie” in the time interval from 6 to 12 months.
The interest rate depends on the amount and term of the deposit (see table of interest).
You have the opportunity to increase the percentage of the current deposit, if you can replenish the deposit, up to the next amount gradation.
| Deposit amount | 3-6 months | 6-12 months | 1-2 years | 2-3 years | 3 years |
|---|---|---|---|---|---|
| from 1 000 ₽ | 5,20 (5,22*) | 5,65 (5,72) | 5,35 (5,48) | 5,15 (5,41) | 5,00 (5,38) |
| from 100 000 ₽ | 5,35 (5,37) | 5,80 (5,87) | 5,50 (5,64) | 5,30 (5,58) | 5,15 (5,56) |
| from 400 000 ₽ | 5,50 (5,53) | 5,95 (6,02) | 5,65 (5,80) | 5,45 (5,74) | 5,30 (5,73) |
| from 700 000 ₽ | 5,70 (5,73) | 6,15 (6,23) | 5,85 (6,01) | 5,65 (5,97) | 5,50 (5,96) |
| from 2 000 000 ₽ | 5,70 (5,73) | 6,15 (6,23) | 5,85 (6,01) | 5,65 (5,97) | 5,50 (5,96) |
For deposits in dollars from 0.01 to 0.90% per annum. Very low rates on the euro - 0.01% per annum.
Minimum deposit amount: ₽ - 1,000, $ / € - 100.
For deposits of pensioners, the maximum rate of the time period applies, regardless of the amount of the deposit.
Early termination up to 6 months - “threatens” with recalculation of the rate by 0.01% per annum. With a “deposit life” of 6 months, you will retain 2/3 of the rate assigned on the opening day.
3. “Manage” deposit program – with replenishment and partial withdrawal
The “Manage” program allows the depositor to replenish and partially withdraw the deposit during the entire period.
Here is the lowest interest rate, figuratively speaking, the difference in percentage "left" to pay for options.
The maximum you can get: in rubles up to 5.77% per annum(term 6 - 12 months, amount from 2 million rubles, capitalization), in dollars up to 0.60% per annum, euro - standard 0.01% per annum.
The minimum deposit amount (when compared with the above-described “products”) has slightly “grown up” - 30,000 rubles, 1,000 dollars / euros.
Partial withdrawal of money from the deposit is allowed only up to the level of the minimum balance. Withdrawals below this level are penalized with a loss of interest (see early termination rules).
You can replenish the deposit from the amount: 1,000 rubles, 100 euros / dollars.
Accrued interest (calculation is carried out monthly), each depositor manages individually: either transfers for capitalization, or withdraws for “personal needs”.
| Deposit amount | 3-6 months | 6-12 months | 1-2 years | 2-3 years | 3 years |
|---|---|---|---|---|---|
| from 30 000 ₽ | 4,85 (4,87*) | 5,20 (5,26) | 4,60 (4,70) | 4,35 (4,54) | 4,10 (4,35) |
| from 100 000 ₽ | 5,00 (5,02) | 5,35 (5,41) | 4,75 (4,85) | 4,50 (4,70) | 4,25 (4,52) |
| from 400 000 ₽ | 5,15 (5,17) | 5,50 (5,56) | 4,90 (5,01) | 4,65 (4,86) | 4,40 (4,69) |
| from 700 000 ₽ | 5,35 (5,37) | 5,70 (5,77) | 5,10 (5,22) | 4,85 (5,08) | 4,60 (4,92) |
| from 2 000 000 ₽ | 5,35 (5,37) | 5,70 (5,77) | 5,10 (5,22) | 4,85 (5,08) | 4,60 (4,92) |
* – interest capitalization rates.
Deposit term from 3 months to 3 years.
You can actively replenish your deposit and increase the bet by reaching the amount of the next gradation.
Early termination: up to 6 months of the "active" deposit - at a rate of 0.01% per annum, upon termination of 6 months - 2/3 of the interest rate valid at the time of opening is retained.
4. “Gift of Life” deposit program – charitable assistance
Contribution with the help of sick children who suffer from severe oncological, hematological and other diseases.
Charitable assistance consists in the fact that the bank, once a quarter, transfers 0.3% per annum (of the deposit amount) to the Gift of Life Charitable Foundation.
I think that among the contributors there are hardly any people who are indifferent to such assistance.
Maximum deposit rate - 6.45% per annum. Such interest is given on a deposit with capitalization.
If you do not want to use capitalization, then the base rate is 6.30% per annum.
The minimum deposit amount is 10,000 rubles. Savings are accepted only in rubles, for a period of 1 year.
The “Give Life” program does not provide for replenishment and partial withdrawal operations.
Interest is calculated every 3 months.
Early termination, as in other Sberbank programs: up to 6 months - recalculated at a rate of 0.01% per annum, after 6 months - 2/3 of the rate valid at opening is retained.
5. “Pension Plus” deposit program – special for pensioners
For pensioners who receive their pensions to the account of the Pension Fund of the Russian Federation, Sberbank has developed a special program - Pension Plus.
I don't know where you can find a rate lower than in this "product". Interest rate with capitalization – 3.67% per annum in rubles.
The deposit is opened for a period of three years. The minimum opening amount is 1 ruble.
Let this contribution come with replenishment (unlimited) and partial withdrawal (up to an irreducible balance), but such a low rate, for completely “impoverished” pensioners, is “shameful and insulting”.
And dear pensioners can only be advised that if you decide to make a deposit in Sberbank, and want to replenish it and partially withdraw it, then pay attention to the Manage program, the rate there is 5.77% per annum.
