The maximum deposit in the Savings Bank for individuals. Sberbank deposits. "Pension-plus of Sberbank of Russia"
Deposit "Top up"
The minimum amount is 1 thousand rubles. Terms vary from 3 to 36 months. The maximum interest rate is 4.5% per annum. Interest payment every month. You can also choose capitalization. If the amount increases, the rate will increase. You can top up with 1000 rubles or more. Partial withdrawal is not possible. Important: If you open this deposit through the Sberbank Online service, then the interest rate will be increased (up to 5% per annum, depending on the term).
| Sum | Term / Interest rate | ||||
| from 3 to 6 months | from 6 to 12 months | from 12 to 24 months | from 24 to 36 months | 36 months | |
| from 1 tr. | 3.85% | 4% | 3.8% | 3.75% | 3.7% |
| from 100 tr. | 4% | 4.15% | 3.95% | 3.9% | 3.85% |
| from 400 tr. | 4.15% | 4.3% | 4.1% | 4.05% | 4% |
| from 700 tr. | 4.35% | 4.5% | 4.3% | 4.25% | 4.2% |
| from 2 million rubles | 4.35% | 4.5% | 4.3% | 4.25% | 4.2% |
Contribution "Save"
All types of deposits in Sberbank of Russia, as well as the Save deposit, are aimed at minimizing losses from inflation.
The amount to open is 1 thousand rubles or more. The interest rate reaches 5% per annum. Capitalization or interest payments will be made every month. There is no possibility of replenishment and partial withdrawal. Important: If you open through the Sberbank Online service, the rate will be increased (max. 5.5% per annum).
| Sum | Term / Interest rate | ||||||
| from 1 to 2 months. | 2 to 3 months | from 3 to 6 months | from 6 to 12 months | from 12 to 24 months | from 24 to 36 months | 36 months | |
| from 1 tr. | 4.8% | 4.15% | 4.35% | 4.5% | 4.4% | 4.35% | 4.3% |
| from 100 tr. | 3.95% | 4.3% | 4.5% | 4.65% | 4.55% | 4.5% | 4.45% |
| from 400 tr. | 4.1% | 4.45% | 4.65% | 4.8% | 4.7% | 4.65% | 4.6% |
| from 700 tr. | 4.3% | 4.65% | 4.85% | 5% | 4.9% | 4.85% | 4.8% |
| from 2 million rubles | 4.3% | 4.65% | 4.85% | 5% | 4.9% | 4.85% | 4.8% |
Deposit "Manage"
The minimum amount for opening is 30 thousand rubles. Possible monthly withdrawal to a bank card or interest capitalization. The terms of the deposit provide for: auto-prolongation, replenishment and partial withdrawal. Max. rate - 4.2% per annum. Important: If this deposit is opened through the Sberbank Online service, then the interest rate will be increased (up to 4.7% per annum, depending on the term).
| Sum | Term / Interest rate | ||||
| from 3 to 6 months | from 6 to 12 months | from 12 to 24 months | from 24 to 36 months | 36 months | |
| from 30 tr. | 3.55% | 3.7% | 3.25% | 3.15% | 3% |
| from 100 tr. | 3.7% | 3.85% | 3.4% | 3.3% | 3.15% |
| from 400 tr. | 3.85% | 4% | 3.55% | 3.45% | 3.3% |
| from 700 tr. | 4.05% | 4.2% | 3.75% | 3.65% | 3.5% |
| from 2 million rubles | 4.05% | 4.2% | 3.75% | 3.65% | 3.5% |
Deposit "Pension Plus"
This type of deposit is intended for pensioners. The minimum deposit is 1 ruble. The term of the deposit is 3 years. Interest will be capitalized or paid quarterly (to a bank card or current account). The interest rate on the deposit is 3.5% per annum. The terms of the deposit provide for: auto-prolongation, replenishment and partial withdrawal.
| Sum | Term | Interest rate |
| from 1 p. | 36 months | 3.5% |
One of the most popular ways to save money today is a bank deposit. Among the investment instruments, bank deposits are considered the most reliable, thanks to the state deposit insurance (DIA). If the deposit amount does not exceed 1.4 million rubles (or the currency equivalent of this amount), then in case of revocation of the license from the bank, the agency will pay you the deposit along with accrued interest.
Many banks offer the population to increase their savings, but tricks when concluding contracts, secret commissions, sudden changes in tariffs become real pitfalls. Therefore, Sberbank has been and remains a reliable and popularly recognized Russian bank.
The line of deposits from Sberbank is divided into the following categories:
- Term deposits:
"Save"
"Replenish"
"Control"
"Gift a life"
"Multicurrency Savings Bank of Russia"
"International"
savings account - Online deposits:
"Digital"
Save Online
Replenish OnL@yn
Manage Online - Deposits for settlements:
"On demand of Sberbank of Russia"
"Universal Sberbank of Russia"
"Pension Plus" - Savings certificates.
We will try to compare Sberbank deposits and choose the best solution to save your finances. It is the preservation, and not the increase in income, as banks often claim. The interest offered by the bank for deposits, unfortunately, only covers inflation and does not generate income. However, the appearance of high-yield savings certificates, which Sberbank is so actively advertising, allows us to invest our savings today, but first things first. The first parameter of the deposit profitability is its interest rate.
TOP interest rates: we get the maximum income
13 fixed-term deposits, 2 perpetual and savings certificates - this is the piggy bank of deposits from Sberbank.
To date, the TOP interest rates on ruble deposits of Sberbank are as follows:
- Savings certificate from Sberbank - up to 8.8%;
- Online deposit "Digital" - up to 7.7%, with the ability to increase the rate using a promotional code (to receive it, you must complete a survey on the Vkontakte social network in the official Sberbank group);
- Deposit "Replenish Online" with an interest rate of 7.28% (including interest capitalization).
- “Replenish OnL @ yn” - with an interest rate of 7%.
- “Save” – 6.75%.
Special conditions apply to deposits for pensioners: regardless of the opening amount, Sberbank offers maximum rates to persons of retirement age on deposits “Save”, “Replenish”, “Manage” and their online counterparts.
But a high interest rate does not mean that income at other rates will be lower. The effectiveness of the interest rate consists of such parameters as capitalization and account replenishment. And the higher the deposit opening amount, the more significant the dividends will be.
Saving Wisely: Criteria You Should Know About
So, a high interest rate is not the only condition for a high income on a deposit. An equally important criterion for profitability is the capitalization of interest. What is capitalization? In simple terms, this is the automatic addition of accrued interest to the deposit amount. That is, interest in the next period will be accrued already for the amount of the deposit plus interest for the previous period. We conclude:
The more often capitalization of interest occurs, the higher the profitability of the deposit.
So if the capitalization of the deposit occurs every month, then this increases our income. Consider the deposits of Sberbank, taking into account the capitalization of interest:
- Deposits with monthly capitalization:
Top Up Online, Save, Top Up Online, Top Up, Manage Online, Manage, Savings Account and Give Life.
- Deposits with quarterly capitalization (every three months):
Social, Multicurrency of the Savings Bank of Russia, Pension Plus, Universal of the Savings Bank of Russia, "On Demand of the Savings Bank of Russia".
The Sberbank line includes deposits without capitalization, with accrual and interest at the end of the term:
International, Digital, Savings Certificate.
Such an important parameter, indirectly related to capitalization, as account replenishment also affects the profitability of your deposit. Parameters such as account replenishment and cash withdrawal are important for those who are not sure that they will not have to use savings. Let's compare the deposits of Sberbank in these two parameters.
Contributions can be divided in this way:
- Savings (neither the possibility of replenishment nor partial withdrawal);
- Cumulative (with replenishment, but without the possibility of partial withdrawal of funds);
- Settlement (with the possibility of partial withdrawal and replenishment);
- Demand deposits (you can also replenish and withdraw money).
Despite the high interest rate, savings deposits are often not profitable when terminated early. Savings deposits with monthly capitalization are quite an attractive investment product. Deposits for demand have the lowest rates, so they will not bring high income. Settlement deposits have decent rates and allow you to manage your funds without losing interest.
At Sberbank, according to the specified criteria, profitable deposits are:
Recharge Online, Recharge, Manage and Manage Online.
The Social, Multicurrency and Pension Plus deposits could become leaders in terms of the given parameters, but unfortunately, the frequency of interest accrual is lower for them.
If we talk about multicurrency deposits (International and Multicurrency of Sberbank of Russia), choose them only if you have a good understanding of currency fluctuations. Otherwise, you risk losing your savings: not everyone can correctly guess the moment of transferring funds from one currency to another.
Let's summarize:
Deposits Replenish OnL @ yn and Replenish are the most profitable savings deposits of Sberbank in terms of the totality of the considered parameters without partial withdrawal of funds.
If you have savings that you will not need in the near future, savings deposits are best suited: “Savings Certificate”, “Save” and “Digital”.
From the line of settlement deposits, the leaders are "Manage OnL @ yn" and "Manage".
Rates on online deposits at Sberbank are significantly higher than similar ones opened in the branch, which means that the leaders of the race are:
Top up Online, Manage Online, Digital. And they are joined by the widely advertised Savings Certificate from Sberbank thanks to an attractive interest rate.
Let us dwell on such a product as a savings certificate in detail. A savings certificate is a valuable unnamed bearer paper with a higher interest rate. The reason for the increased rate on the certificate is the lack of DIA insurance. Therefore, as a financial management tool, a certificate is not the most convenient solution. Money loves diversification: to reduce possible risks, invest in different types of deposits, including savings certificates.
Opening a deposit correctly: a step-by-step guide
Opening a deposit in Sberbank is simple, contact the branch or open it yourself using the Internet bank or application.
How to open a deposit at a bank branch
- Take the required amount and passport. Pension certificate or other documents (for example, about guardianship).
- Already decided on the choice of the required contribution? Fill out an application for its opening. Contact a Bank consultant if you have any questions.
- Read all the clauses of the contract carefully, do not hesitate to ask questions.
- Are you a foreign person? Present your migration card, residence permit or permission to stay in the Russian Federation.
- After completing all the documents, you will have a copy of the agreement with the bank, a savings book in your hands - find a suitable place to store them.
How to open a deposit remotely?
- To access Internet banking, get a login and password for access at a branch or at an ATM.
- Log in to Sberbank Online @ yn, through a computer or an application on your phone.
- Select “Deposits and Accounts” from the menu.
- Select "Opening a deposit", fill out an application
- Wait for a notification that the deposit has been completed. An open account will always be available to view the status of your funds.
Close cannot be prolonged: competent termination of the contract
When concluding an agreement with the bank, specify the possibility of automatic prolongation (extension) of your deposit. So, for example, the Savings Certificate has a certain date of issue and you need to pick it up on time. More often, deposits can be extended many times: but the terms of the contract will be valid exactly on the date of its extension.
Decided to close the deposit? We will answer the most popular questions of Sberbank depositors:
- Opened a deposit online?
Then you can keep track of its expiration date through the Sberbank Online @ yn application. For deposits opened in the branch, the date can be found in the papers of the agreement;
- Did the closing date of the deposit coincide with the weekend and the bank is closed?
Easy to collect your savings on the next working day;
- What documents to bring with you?
Apart from your passport, nothing is required. You can take a copy of the contract just in case.
To Store or Not to Store: The Rules of the Practical Investor
So, due to the ease of registration, a bank deposit has been and will be the most affordable way to save savings. Finally, a few recommendations for future Sberbank depositors:
- Analyze the market of bank deposits, look for profitable offers.
- Good rates are usually offered by banks before the long New Year holidays, in December and summer, during holidays.
- Look at the rate and frequency of capitalization of the deposit, it’s good if the deposit can be replenished. Try not to choose deposits without capitalization or at least monthly interest.
- You can open several deposits for different periods. This will increase your chances of transferring funds without losing interest when more profitable offers from Sberbank appear.
- Master Sberbank Online: half as much running around, higher interest rates, easier to manage your finances.
- The deposit must not exceed the insurance amount of the DIA.
- In a crisis, open long deposits with the possibility of replenishment and the maximum interest rate, because when the situation stabilizes, there will be no such offers.
The most profitable and profitable deposit in Sberbank in 2019: read how to choose and open a deposit with the maximum interest rate.
Sberbank, perhaps, primarily attracts depositors with its reliability. It is no secret that opening deposits of individuals in Sberbank is one of the most reliable ways to invest money in 2019. 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 bank branches.
Of course, many smaller banks offer depositors higher interest rates on individual deposits. But in the line of deposits of Sberbank today you can find deposits with fairly high interest rates. So let's consider what is the most profitable deposit in Sberbank in 2019.
The highest interest on deposits in Sberbank 2019
Like many banks, Sberbank has deposits for ordinary and premium clients. Of course, the latter are a bit more profitable, but due to the large initial deposit amount 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 deposits from the basic line that any client can open.
Sberbank deposit from February 1, 2019 "Catch the benefit": conditions and interest
Deposits "Big plans" and "Without a passport" of Sberbank with a rate of 7.4%
Sberbank deposits for individuals in 2019 for today
Sberbank deposit "Catch the benefit" in 2019 for individuals and pensioners
This is a seasonal offer. Like most similar promotional deposits, Catch the Profit has an increased interest rate, but very limited options for managing funds on the account. You can issue it at a bank branch, via the Internet or at an ATM only until March 31, 2019.
(+) Plus: high interest rate.
(-) Minus: there is no possibility of replenishing the account and partial withdrawal of money without losing interest.
Terms
- Term: 5 months, 1 year, 1 year 6 months;
- Currency: Rubles;
- Amount: from 50,000 rubles;
- Replenishment: not provided;
- Partial withdrawal: not provided;
- Capitalization: not provided;
- Interest accrual: at the end of the term.
Interest rates
| 5 months | 1 year | 1 year 6 months |
| 7,1 % | 7,5 % | 7,65 % |
1. The most profitable deposits from the basic line
So, to arrange any basic deposits in Sberbank at the highest interest rates you will need a computer or phone with an Internet connection, or at least an ATM. This is important, because when opening a deposit at a branch of Sberbank, the depositor will be offered standard conditions and interest rates for deposits of individuals. And when opening deposits in the Sberbank-Online Internet bank, an ATM or a self-service device, the interest rate is higher!
Sberbank deposits with higher interest rates for ordinary customers in 2019 are named: “Save Online @ yn”, “Replenish Online @ yn” and “Manage Online @ yn”.
1.1. Sberbank deposit with an increased interest rate "Save Online"
This is an online deposit to securely store your savings and receive a guaranteed income.
(+) Plus: high interest rate.
(-) Minus: there is no possibility of replenishing the account and partial withdrawal of money without losing interest.
Deposit conditions
- Term: 1 month. - 3 years
- Amount: from 1,000 rubles / 100 US dollars
- Replenishment: not provided
- Partial withdrawal: not provided
- Interest accrual: monthly. Accrued interest can be withdrawn, as well as transferred to the card account.
- Capitalization: provided. Accrued interest is added to the amount of the deposit, increasing income in the following periods.
Interest rate:
| in rubles | dollars | Euro |
| from 4.20 to 5.75% | 0.2 to 2.0% | - |
1.2. Deposit "Replenish Online" of Sberbank in 2019
A replenishable deposit for those who prefer to save and regularly save their funds using the convenient and reliable Internet bank of Sberbank.
(+) Plus: it is possible to replenish the account.
(-) Minus: there is no possibility of partial withdrawal of money without loss of interest.
Deposit conditions
- Term: from 3 months to 3 years;
- Deposit amount: from 1,000 rubles / 100 US dollars;
- Replenishment: provided;
- Minimum deposit: in cash - from 1,000 rubles / 100 US dollars, non-cash - unlimited;
- Partial withdrawal: not provided;
- Capitalization: provided.
Interest rate
| in rubles | dollars | Euro |
| from 4.75 to 5.30% | from 0.4 to 1.6% | - |
1.3. Deposit of Sberbank "Manage Online"
Online deposit for free management of funds with the ability to use part of the funds without losing interest.
(+) Plus: there is the possibility of replenishing the account and partial withdrawal of money without losing interest.
(-) Minus: low interest rate.
Deposit conditions
- Term: from 3 months to 3 years;
- Deposit amount: from 30,000 rubles / 1,000 US dollars;
- Replenishment: provided. Cash - from 1,000 rubles / 100 US dollars; Cashless - not limited;
- Partial withdrawal: provided up to the level of the minimum amount of the minimum balance without loss of accrued interest.
Interest rate
| in rubles | dollars | Euro |
| from 4.15 to 5.00% | from 0.3 to 1.5% | - |
The most profitable deposit of Sberbank in 2019: how to apply
To open an online deposit with a higher rate, you need to connect your computer or phone to the Internet, and then:
- Log in to Sberbank Online and select the "Deposits and Accounts" section.
- Select the menu item "Open deposit".
- Familiarize yourself with the conditions for placing funds, select the appropriate deposit and click: "Continue".
- Fill out an application: select the account to be debited, the amount to be credited and the term of the deposit.
- Press: "Open".
2. The most profitable deposits for premium clients
Sberbank deposits for premium clients are even more profitable than online deposits. But, unfortunately, not everyone can open them. Only owners of the Sberbank Premier / Sberbank First service package can make these special deposits.
Their main conditions (the possibility of replenishment, withdrawal, interest accrual, etc.) are the same as those of their counterparts from the basic line. The differences are only in the minimum amount of the first installment and interest rates.
2.1. Contribution "Special Save"
A deposit with increased rates for owners of the Sberbank Premier/Sberbank First service package.
Basic conditions
- Term: from 1 month to 3 years
- Without replenishment
- Without partial removal
Interest rates
| in rubles | dollars | Euro |
| up to 6.20% | up to 2.70% | - |
2.2. Contribution "Special Refill"
A replenishable deposit with increased rates for owners of the Sberbank Premier/Sberbank First service package.
Basic conditions
- Term: from 3 months to 3 years
- Amount: from 700,000 rubles / 50,000 dollars.
- With replenishment
- Without partial removal
Interest rates
| in rubles | dollars | Euro |
| up to 5.65% | up to 2.30% | - |
2.3. Contribution "Special Manage"
Expenditure deposit with increased rates for owners of the Sberbank Premier/Sberbank First service package.
Basic conditions
- Term: from 3 months to 3 years
- Amount: from 700,000 rubles / 50,000 dollars.
- With replenishment
- With partial withdrawal
Interest rates
| in rubles | dollars | Euro |
| up to 5.35% | up to 2.2% | - |
How to arrange profitable premium deposits of Sberbank
First of all, you need to become a premium client of the bank. To do this, you need to issue a package of services "Sberbank Premier" or "Sberbank First", which, by the way, allow not only to open deposits on special conditions, but also give customers a number of other advantages. To use the premium package of services for free, you need to keep more than 1.5 million rubles in Sberbank accounts.
The very same procedure for making special deposits is the same as for deposits from the basic line, described above. You can open premium deposits both at a bank branch and online via the Internet.
Conditions for early termination of Sberbank deposits
In any unforeseen situation, if clients need money before the end of deposits, they can always be received.
Early termination of the deposits of the "Save", "Replenish" and "Manage" groups is carried out on the following terms:
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!
The most profitable deposit in Sberbank today in 2019. conclusions
Judging by the interest rate, the most profitable deposit of Sberbank (apart from seasonal deposits) is "Save Online" for ordinary individuals or "Special Save" for premium clients. But they cannot be replenished!
So, if you intend to save money, then the most preferable for you will be making a deposit with an increased rate of "Replenish OnL @ yn" or "Special Replenish". But money cannot be withdrawn without loss of interest!
So, if you plan to withdraw some of the money from the deposit at any time, then the deposit "Manage Online @ yn" or "Special Manage" will be the most profitable for you.
The Central Bank of the Russian Federation reduces the rates on deposits in rubles.
The most profitable deposit in Sberbank today
- If we evaluate the value of the interest rate, then the most profitable deposit of Sberbank (in addition to seasonal deposits) is "Save Online @ yn" for ordinary individuals or "Special Save" for premium clients. But these deposits cannot be replenished!
- If you intend to save money, then the most preferable for you would be to make a deposit with a higher rate "Replenish Online" or "Special Replenish". But money cannot be withdrawn without loss of interest!
- If you plan to withdraw some of the money from the deposit at any time, then the deposit "Manage Online" or "Special Manage" will be the most profitable for you.
Below you can find out the new deposit rates for today (as of 03/19/2020)
Deposit Pension Plus
- Interest payment - quarterly to a current account or to a bank card account
- Capitalization - quarterly at the choice of the client
- Special conditions - the deposit is opened upon presentation of a pension certificate
- Replenishment is possible
- Partial withdrawal possible
- The minimum minimum balance is equal to the minimum deposit amount
- Early termination on preferential terms - income for the actual period of storage of funds in the deposit is accrued based on the interest rate set by the bank on the date of opening the deposit
- Auto-renewal possible
Contribution Give life
- Interest payment - quarterly to a bank card account
- Capitalization - quarterly at the choice of the client
- Special conditions - 0.3% per annum of the deposit amount for each expired three-month period is transferred to the Podari Zhizn Fund
- Replenishment - no
- Partial withdrawal - not possible
- Early termination on preferential terms - 2/3 of the rate after 6 months of deposit storage
- Auto-renewal possible
Deposit Replenish
Rate table
In rubles
| from 3 to 6 months | from 6 months up to 1 year | 1 to 2 years | 2 to 3 years | 3 years | |
|---|---|---|---|---|---|
| from 1 000 ₽ | 4,1 | 4,4 | 4,3 | 4,25 | 4,15 |
| from 100 000 ₽ | 4,25 | 4,55 | 4,45 | 4,4 | 4,3 |
| from 400 000 ₽ | 4,4 | 4,7 | 4,6 | 4,55 | 4,45 |
In dollars
| from 3 to 6 months | from 6 months up to 1 year | 1 to 2 years | 2 to 3 years | 3 years | |
|---|---|---|---|---|---|
| from 100 $ | 0,01 | 0,55 | 0,75 | 0,45 | 0,35 |
| from 3 000 $ | 0,1 | 0,65 | 0,85 | 0,55 | 0,45 |
| from 10 000 $ | 0,15 | 0,7 | 0,9 | 0,6 | 0,5 |
| from 20 000 $ | 0,2 | 0,75 | 0,95 | 0,65 | 0,55 |
- Capitalization monthly at the choice of the client
- minimum amount: 1,000 rubles, 100 dollars;
- Partial withdrawal is not possible
- Early termination on preferential terms:
- if the deposit amount does not exceed the maximum amount (the amount of the deposit at the end of the day of the date of opening or prolongation of the deposit, increased by 10 times for deposits, the amount of which at the end of the day of the date of opening or prolongation is less than 100,000 rubles / 5,000 dollars, the maximum amount is 1 million rubles /$50,000);
- An increase in the rate is possible with an increase in the amount or upon presentation of a pension certificate
- Auto-renewal possible
Deposit Replenish in the name of the child
Table of rates in rubles
| 3-6 months | 6-12 months | 1-2 years | 2-3 years | 3 years | |
|---|---|---|---|---|---|
| from 1000 | 4.10/4.11 | 4.40/4.44 | 4.30/4.39 | 4.25/4.43 | 4.15/4.41 |
| from 100 000 | 4.25/4.27 | 4.55/4.59 | 4.45/4.54 | 4.40/4.59 | 4.30/4.58 |
| from 400 000 | 4.40/4.42 | 4.70/4.75 | 4.60/4.70 | 4.55/4.75 | 4.45/4.75 |
Table of rates in dollars
- Interest payment on a monthly basis to a bank card account
- Capitalization monthly at the choice of the client
- Special contribution for children
Special conditions:
- it is necessary to present a passport or other document proving the identity and birth certificate of the child;
- a parent/legal representative of a child can open a deposit;
- from the age of 14, the child receives partial access: he can independently replenish the deposit and withdraw the accrued interest;
- at the age of 18, the child can fully dispose of the funds on the deposit;
- full withdrawal of money before the child reaches the age of majority is possible only with the permission of the guardianship authorities
Replenishment is possible, but there are restrictions:
- minimum amount
- 1,000 rubles, 100 dollars;
- for non-cash replenishment, the minimum amount is not limited
Partial withdrawal is not possible Early termination on preferential terms:
- if the deposit amount does not exceed the maximum amount (the amount of the deposit at the end of the day of the date of opening or prolongation of the deposit, increased by 10 times; for deposits, the amount of which at the end of the day of the date of opening or prolongation is less than 100,000 rubles / 5,000 dollars, the maximum amount is 1 million rubles / 50,000 dollars);
- if the amount is higher than the maximum deposit amount, then interest is calculated on the principal amount based on 2/3, on the difference between the deposit amount and the maximum amount - 1/3 of the interest rate on the deposit that was in effect on the date of its opening or prolongation
- An increase in the rate is possible with an increase in the amount
- Auto-renewal possible
Contribution Save
Contribution Social
Contribution Manage
Calculate the income on the deposit online
When the question arises: in which bank to invest money, many individuals and pensioners prefer Sberbank, which is quite right, because it is one of the most reliable banks in Russia. Consider the existing and most advantageous offers for the above categories of persons for 2016 in St. Petersburg, Moscow, Samara and other cities.
Individual deposits 2016 Sberbank
Sberbank offers a wide range of deposits that differ in interest rates, which in turn are influenced by factors such as:
- deposit term (for example, for 3 months, for 6 months, up to 1 year or up to 3 years);
- its size;
- currency (that is, it will be in rubles, in dollars or in euros).
Also, the proposals are divided into those that involve the capitalization of interest, its absence. There are also replenishable options and having the possibility of self-management.
It is impossible not to mention the fact that this organization works both with rubles and currency, and accepts deposits in precious metals. What can I say, the latter (that is, depersonalized metal accounts) are very popular today due to such advantages as:
- the possibility of calculating income according to the price of the precious metal on the market;
- free account opening and maintenance;
- no mandatory payment of VAT when making a transaction with precious stones;
- the speed of the necessary operations (such work takes no more than 10 minutes).