Salary deposits of the Savings Bank. The most profitable deposit in Sberbank. Deposit of Sberbank "Replenish": interest and conditions
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 higher 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 - high interest rates began to collapse like dominoes 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 there is a high probability 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" Sberbank interest-bearing deposits that are 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 login (re-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.
What deposits did Sberbank prepare for December 2019 for individuals. To date, Sberbank has deposits with increased interest rates of up to 5.45% for owners of the Sberbank First package and up to 6.10% for the Sberbank Premier package. Note that this is the most profitable% rate, unlike conventional investments. The bank often makes promotions and promotional deposits to attract customers. As a rule, the rate for opening such deposits is temporary, approximately 2-3 months. For ordinary investments, the bank's interest is small when compared with competitors.
Deposits for customers "Sberbank First" - high interest
The Sberbank First level package is available, as a rule, to wealthy clients who can open deposits for a large amount and whose account balances are in the millions. Here are the main conditions to become a similar client and receive up to 6.10% on deposits.
- It is necessary to open a deposit in the amount of 5 million R / 150 thousand $.
- The cost of the package is 10 thousand rubles (if the amount on the account is less than 10-15 million rubles)
- Interest rate is 1% higher
Advantages of the Sberbank First package
- You will receive a personal financial advisor
- Preferential, more favorable exchange rates
- $1 million travel insurance for the whole family
- Access to airport lounges for you and your companions
- Increased bonuses THANK YOU
Questions and answers on Sberbank deposits
Can I open several deposits in my name at once?
You can open any number of deposits.
In what currency can I open a deposit?
Depends on the deposit: Save, Replenish and Manage can be opened in rubles or dollars. If you want an account in euros, use the Savings Account at 0.01% per annum.
What benefits are there for pensioners when opening a deposit?
Pensioners will receive the maximum interest on deposits Save and Replenish, regardless of the amount of money invested.
Under what conditions is the deposit renewed?
If you have not withdrawn the money from the deposit, it is automatically renewed on the terms and at the rate that are in effect on the date of prolongation. Thus, the interest on the deposit may change. If the deposit is no longer valid, it is extended on demand at a rate of 0.01% per annum, as specified in the agreement.
How to withdraw money from an account or passbook from another region?
Contact the office and submit a request for a transfer from another region. In three business days, the money will be in your bank.
Is it possible to withdraw the interest added to the deposit amount and in what way?
The interest added to the deposit amount can be withdrawn at any time in whole or in part. Get interest through Sberbank Online or at a bank office.
Sberbank offers term deposits without the possibility of replenishment and withdrawal (Save), savings (Replenish) and savings (Manage). Also, the client can open a demand deposit without restrictions on withdrawing funds. Special conditions have been developed for pensioners, as well as for existing clients of the Bank (belonging to the Premier category or being owners of the Sberbank First package).
The Bank offers a special deposit for crediting social benefits, as well as a deposit for accumulating funds, the recipient of which, after reaching the age of majority, will be a child. There is also a program of deposits Give Life, part of the funds for which is deducted for charity.
Design features. To make a deposit in a bank, a citizen of the Russian Federation must provide a document proving the identity of the depositor - this can be a civil passport, an identity card of a Russian serviceman (military ID), a temporary identity card of a citizen of the Russian Federation (form N 2P). Also, the Bank in some cases has the right to request a TIN.
Foreign citizens can also make a deposit in the Bank - in addition to their national passport, they need to provide a migration card and a document certifying the right to stay on the territory of the Russian Federation. The number of deposits that a client can open at the same time is not limited. There are the following features of registration of deposits in Sberbank:
- A term deposit can be opened in Russian rubles or US dollars;
- The deposit can be made in the name of another person. You need to have your passport and a notarized copy of the passport of the person for whom the deposit is being made;
- You can make a deposit in the name of the child. To do this, you need to have your passport, passport / birth certificate of the child with you, if available - TIN;
- Several people can manage the deposit at the same time, for example, family members, for this you need to issue powers of attorney. The service is free, the presence of authorized persons is not required;
- It is possible to transfer the deposit to a new owner in the order of inheritance;
- The rate can be increased due to additional contributions or in connection with an increase in the minimum amount (if it is provided for by the individual terms of the contract).
How to open a deposit? You can make a deposit in Sberbank in the following ways:
- At the Bank's office. The client must have an identity document with him: a general civil passport of the Russian Federation, an identity card of a military man, a temporary identity card of a citizen of the Russian Federation (form N 2P) or a foreign civil passport (for foreigners, documents certifying the right to stay on the territory of the Russian Federation are also required);
- At a Sberbank ATM. Money can be credited to the deposit by transferring from a card or directly depositing cash into an ATM. In the ATM menu, you can get acquainted with the parameters of the Bank's deposits and specify the amount and term of the deposit being processed.
- remotely through the Internet bank or the Sberbank Online mobile application - for existing customers of the Bank, this method involves receiving a surcharge to the interest rate (available as part of the Bank's main programs).
Attention! Remote actions with your deposits can be performed only if you have previously concluded a banking service agreement (RBS) with the Bank. A prerequisite for RBS is that the depositor has a Sberbank debit card (card currency - rubles).If at the time of conclusion of the agreement the client does not have the specified card, then the card account in rubles is automatically opened and the Momentum card is immediately issued without charging a service fee.
You can get a bank deposit agreement opened online by printing it out in your personal account of the Sberbank Online Internet banking in the "History of Operations" section, or by personally contacting any office of the Bank.
Extension of deposits. When making a term deposit, information about the expiration date of the agreement will be indicated in Sberbank Online, as well as in the deposit agreement. If after the expiration of the term for placing a deposit the client has not withdrawn the money, an auto-prolongation takes place on the terms fixed in the agreement or valid at the time of the expiration of the term (if the client did not refuse auto-prolongation at the time of the conclusion of the agreement).
If during the term of the agreement, the Bank ceased to provide a similar deposit rate, auto-prolongation is made on the terms of a demand deposit (0.01% rate). Please note that automatic prolongation may imply a lower rate compared to the original one (if the Bank's tariffs have changed during the deposit term). The client can avoid such risks by issuing a prolongation "manually" - by contacting the Bank immediately after the expiration of the deposit to conclude an agreement on new conditions.
Closing procedure. You can close the deposit remotely, using the Internet bank or the Sberbank Online mobile banking application - to do this, you must fill out the appropriate short questionnaire in your Personal Account, indicating the account for crediting funds, and in the mobile application, by clicking the "Close Deposit" button and then following the instructions, the amount will be transferred to a valid card or account. Everything, you can immediately use the money.
Another option for closing a deposit is to contact the Bank's division where the deposit was opened. The client needs to provide the branch employee with a passport (or other document that was provided during registration) and a bank card (or account details) for crediting funds. Cash can also be received at the Bank's cash desk. To receive large amounts (from 150,000 rubles), a preliminary application is usually required 1-2 days before the expected closing date of the deposit.
What new deposits does Sberbank offer for March for individuals in 2020. At the end of this year, interest rates on Sberbank deposits are extremely low compared to competitors. The rate on foreign currency deposits, namely rubles - up to 5.25% on average, on dollars - 1.06%, euro - 0.01%. The policy of the authoritative bank of the country is simple - "Reliability and authority", therefore the interest rates are average. Council-Banker in this article will consider the latest data on Sberbank banking products for the new 2020.
During the holidays in March 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.
Deposits for individuals in Sberbank - conditions 2020
- Capitalization: No
- Interest payment: at the end of the term
- Refillable: No
- Partial withdrawal: impossible
- Early dissolution: at demand rate
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before 5,85%
from 1 rub.
term: from 182 days
- Capitalization: No
- Interest payment: at the end of the term
- Refillable: No
- Partial withdrawal: impossible
- Early dissolution: at demand rate
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before 4,50%
from 1000 rub.
term: from 182 days
- Capitalization: possible
- Interest payment: monthly
- Refillable: No
- Partial withdrawal: No
- Early dissolution: on preferential terms
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before 4,15%
from 1000 rub.
term: from 91 days
- Capitalization: possible
- Interest payment: monthly
- Refillable: possibly
- Partial withdrawal: No
- Early dissolution: on preferential terms
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before 3,80%
from 30 000 rub.
term: from 91 days
- Capitalization: possible
- Interest payment: monthly
- Refillable: possibly
- Partial withdrawal: possibly
- Early dissolution: on preferential terms
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before 1,80%
from 1 rub.
term: from 30 days
- Capitalization: possible
- Interest payment: monthly
- Refillable: possibly
- Partial withdrawal: possibly
- Early dissolution: on preferential terms
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before 4,58%
from 10 000 rub.
term: from 365 days
- Capitalization: possible
- Interest payment: quarterly
- Refillable: No
- Partial withdrawal: No
- Early dissolution: on preferential terms
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before 3,67%
from 1 rub.
term: from 0 days
- Capitalization: quarterly (optional)
- Interest payment: quarterly
- Refillable: possibly
- Partial withdrawal: possibly
- Early dissolution: on preferential terms
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before 3,29%
from 1 rub.
term: from 1095 days
- Capitalization: quarterly (optional)
- Interest payment: quarterly
- Refillable: possibly
- Partial withdrawal: possibly
- Early dissolution: on preferential terms
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If you are seriously planning to open an investment in Sberbank, then you should consider three points:
- Is it possible to withdraw funds (partial or full) for the term of the deposit
- Is it convenient and possible to increase the deposit amount
- Will the return on investment satisfy you and is capitalization possible?
To make a wise investment, you need to look not only at the terms of the deposit, but also read the Sberbank application form, it is possible to check with the bank employee for details and the possibility of changing the conditions. Some clients choose deposits, because under this condition it is possible to receive income not only from money, but also from securities, including foreign ones.
Sberbank deposit calculator - calculate profitability
To find out the most suitable and profitable investment in your circumstances, you can use the online calculator. Select the amount and term of the deposit, and the current percentage will automatically adjust. Since % rates depend on the amount, term and name of the deposit, for the convenience of calculations, we have deduced individual calculators for each Sberbank deposit. It is worth highlighting several serious advantages of the calculator:
- Actual interest on deposits for today, as calculators are downloaded directly from the official website
- The interest rate automatically increases according to the amount and term of the deposit
- Options "Capitalization" and "I'm retired or pre-retired" automatically change the rate when clicked
New deposit "Catch the Spring" until March 14
- Deposit rate - 5%
- Deposit term up to 5 months.
- Amount from 50 000 ₽
- Without capitalization
- Without replenishment
- Without partial removal
- Payment of % - at the end of the term
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 holidays, is an integral part of this big #wow-promotion. 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.
What income can be received from the “Catch the Spring” deposit
Let's calculate how much you can earn on this deposit by investing different amounts. Let's start with the minimum - 50,000 rubles.
How to open a deposit
To open a Seize Spring deposit at Sberbank of Russia, a consumer needs to be a client of a financial institution. This is due to the fact that the deposit is opened only through the remote channels of the banking organization. These include Internet banking, a mobile application and self-service devices (ATMs).
To open a deposit in online banking, a depositor needs:
- On the official website of the banking organization on the product page, click on the "Apply online" button.
- Log in to Sberbank Online and from the main page of the site. In the form that opens, you will need to specify the login information (login with password).
If the user does not have these data, you will need to register.
Promo deposit in rubles "Favorable start"
- The minimum amount of the promotional deposit is 50 thousand rubles.
- The rate on the deposit will be from 5.4% to 6.5% per annum.
- Terms - 6 and 12 months, one and a half years.
- Interest is calculated at the end of the term.
Sberbank is launching a promo deposit “Favorable Start” in rubles during December. The deposit is valid for residents of the South and North Caucasus from September 30 to December 30, 2019, according to the press service of the credit institution.
The Profitable Start deposit can be opened in remote service channels (ATM, Internet banking or the Sberbank Online mobile application) to bank customers in whose name no other deposits were opened with Sberbank from August 20, 2018 to September 20, 2019 .
Terms of interest
Interest is calculated at the end of the term of the deposit.
The interest rate depends on the term of the deposit.
The accrued interest is added to the deposit amount.
The accrued interest can be withdrawn or transferred to the card account.
1) Online deposit plus at 5.75%
Sberbank often makes shares on deposits, the increased interest rate of which usually reaches 5.45% -6.10%. At the time of this writing, there is one deposit for the promotion, this is "Online Plus" and three investments of the "Special" program. Deposits of the "Special" product imply an increased minimum amount, usually from 700 thousand rubles. The following deposits are available to owners of the Sberbank Premier service package.
Name of deposit Interest rate Min. sum Term Deposit and withdrawal Special Keep Up to 5.45% in rubles up to 1.15% in USD
700 thousand rubles / 50 thousand dollars from 1 month up to 3 years without withdrawal Without replenishment
Special Replenish Up to 5.00% in rubles up to 0.75% in USD
700 thousand rubles / 50 thousand dollars from 3 months up to 3 years With replenishment without withdrawal
Special Manage Up to 4.70% in rubles up to 0.55% in dollars
700 thousand rubles / 50 thousand dollars from 3 months up to 3 years With replenishment With withdrawal
Which Sberbank deposit to choose in 2020
Assess your circumstances and use the calculator of different deposit programs. From shares it is worth choosing the deposit "Online plus", since the rate on it is 5.75% and the validity period is quite long, and the minimum amount is available. If you are planning a long-term and profitable deposit, then choose without partial withdrawal and with a large balance, such deposits usually come with a good rate.
before 5,00%
from 50 000 rub.
term: from 150 days
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Despite the reputation of a reliable, but not the most profitable bank for a depositor, Sberbank of Russia can still offer its clients programs with fairly high interest rates. Of course, we are not talking about 8-9%, as in other, less stable and reliable financial institutions, but it is possible to get more than 7% in a very reliable bank.
What deposits of Sberbank in rubles promise a high percentage?
Deposits within the service packages "Sberbank Premier" and "Sberbank First"
Special conditions are offered for owners of these Sberbank service packages. Thus, when opening Special Save, Special Replenish and Special Manage deposits, interest rates will be higher than in basic deposits - up to 5.70% in rubles, 2.70% in US dollars. Partial withdrawal is possible only within the "Special Manage" deposit. The term of these deposits is from 1 month to 3 years. The minimum investment amount is 1 million rubles, 50 thousand US dollars. A line of deposits for especially large investments is also offered - from 5 million rubles and 150 thousand US dollars: "Leader Save", "Leader Replenish" and "Leader Manage". Rates in rubles - from 4.55% to 6.35%, in US dollars - from 1.20% to 3.40%. Opening deposits in euros is possible only within the framework of the Sberbank First service package at rates from 0.30% to 1.0% per annum.
Contribution "Catch the profit!"
This is a new ruble product of Sberbank from the category of seasonal deposits, and you can open it from February 1 to March 31, 2019. Interest rates are: 7.1% - for a period of 5 months to 1 year, 7.4% - for a period of 1 year and 7.65% for 1.5 years. It is impossible to replenish and withdraw money before the end of the deposit term (without loss of interest). The deposit is opened both at the bank's offices and in the personal account of Sberbank Online.
Contribution "Save"
Interest rate - up to 5.38% per annum on ruble accounts. Also, this deposit can be opened in dollars, but the yield here is less - up to 1.74% (taking into account interest capitalization). At the choice of the client, interest can be paid every month in cash or on a bank card (with a deposit amount of more than 100 thousand rubles, it is issued free of charge).
The deposit is non-replenishable, without the possibility of partial withdrawal. The minimum amount to open an account is RUB 1,000 (USD/EUR 100). The shortest period of placement of funds is 1 month, the longest is 3 years. In case of early termination of the agreement, you will be paid interest in the amount of 2/3 of the rate (after 6 months of the main deposit period).
Deposit "Give Life"
The deposits of Sberbank with an increased interest rate can be safely attributed to the deposit "Give Life". By opening this deposit in the amount of 10 thousand rubles, you can receive an income of 5.05% per annum. The contract is concluded for 1 year, and you can only deposit rubles into your account. Replenishment of this deposit is not provided, as well as partial withdrawal of funds from the account.
The Gift of Life deposit will allow you to participate in a charitable program: 0.3% per annum of the income received by you on the deposit will be transferred to the fund for helping children with serious illnesses.
Another advantage of the program, in addition to the high interest rate, is the capitalization of interest on the deposit. Income is accrued every three months, and you can withdraw them from the account without losing profit, or leave them in the bank. In the latter case, interest will be added to the deposit amount and capitalized. The bank's rate, taking into account interest capitalization, is 5.15% per annum.
You can renew the contract any number of times. If you did not demand a refund after the expiration of the contract, the deposit will be automatically extended. In case of early termination of the contract, you will be paid interest in the amount of 2/3 of the rate.
Offers for investors are constantly supplemented with new programs dedicated to certain dates and allowing you to get the maximum income. As a rule, they differ only in high interest rates.
Of the line of basic deposits, the most profitable today is the “Save” deposit, and when applying through Sberbank Online, the rate will be higher. The Gift of Life deposit will bring a slightly lower income if you can afford to deposit a sufficiently large amount, but it has more convenient and favorable conditions.
Which of these programs should you choose? It all depends on the amount you are willing to invest and your preferences. Do you want to get a high interest rate on Sberbank deposits? It's possible. But the money will bring the maximum income when placing funds for a period of more than 3 years.
Current as of March 2019