Salary deposits of Sberbank. The most profitable deposit in Sberbank. Sberbank deposit “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 coming of age. Sberbank deposits in 2019-2020 not only are they diverse, but also dictate terms to other banks. This interesting fact, and we’ll figure this out too. You can calculate your potential profit on the Sberbank deposit calculator.

But first, a few important introductory paragraphs.

Note from 10/08/2019: 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 in force in addition to a standard deposit.

There is also a deposit opening simulator: Before submitting a real application to open a deposit online, you can practice on the training site. Sber has developed this service specifically for beginners in online banking.

Rate increase: Regardless of the deposit, you can increase the rate by a maximum of 1%.

How to get a higher rate? And what deposit is suitable? just for you? Read below.

What to do if you still have questions: At the end of the article we have placed 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? To avoid making a mistake in choosing a bank.

In the first half of April 2019, many banks began to reduce rates. First VTB, then Rosselkhozbank and Alfa-Bank, Otkritie Bank also joined the interest reduction marathon.

What was the reason? At the end of March, Sber prematurely suspended the “Catch the Benefit” deposit. It featured high rates - up to 7.65% (if you invest for a year and a half).

As soon as there was no longer a need to compete with this Sber deposit - high interest rates began to collapse like dominoes and other financial institutions.

This was written about in all media, and experts began to predict a further reduction in rates on foreign currency deposits.

Therefore, since the end of March 2019, deposit rates in Sberbank are not the highest in the market - after the cancellation of “Catch the Profit”.

But there's a good chance that trend of tightening nuts for investors will continue, and soon other banks will begin to offer exactly the same conditions.

Because Sberbank is a reference point for others. Let us remember that the bank was founded in 1841. As of January 2019, 70% of residents of the Russian Federation use Sber’s services.

46% of deposits in the Russian Federation are deposits made with Sberbank.

How to increase your bid

There are three options for receiving a higher rate:

Open online. Given the availability of an online trainer, this will not be difficult;
Invest from 5 million rubles- in this case your rate is guaranteed to increase by 1%:
Connect to the Sberbank.Premier service package. In this case, the minimum investment amount is 700,000 rubles.

The easiest option is the first one. Therefore, we will provide current tariffs taking into account online account opening. 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 Sber deposit accounts, but the choice whether to connect or not is yours.

Capitalization means that the interest accrued on the deposit will be added to the deposit amount, rather than listed on your card, for example.

Capitalization allows you to increase the rate and total income.

Below in the tables you will see the main percentages and "gray" interest- the latter are relevant subject to capitalization.

Sberbank: deposits for individuals in 2019-2020

Let's start with 5 “classic” interest-bearing deposits of Sberbank, relevant for individuals in 2019-2020.

Important information for pensioners: Special conditions apply for you in two deposits (“Save” and “Replenish”).

We will describe them in general terms, and you will find more detailed information in the next section.

“Save” deposit

The Sberbank “Save” deposit is a combination of a favorable interest rate 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;
Closing early: retained from 2/3 per annum if the account is closed no less than 6 months after opening;
Early closure for a period of up to 6 months: recalculation at 0.01% per annum;
Deposit/withdrawal: no.

Important: For pensioners, the maximum rate applies. The amount of the down payment does not matter, only the placement period. The same conditions apply for “Top up”.

For ruble investments

How to open a deposit in Sberbank: online trainer

You can try submitting an application for opening in test mode.

Information from Sber's website

How it works:

Go to the special Sberbank website - deposits in test mode: trainer.sberbankaktivno.ru;
Click on the button "Begin";
Enter “fake” data (absolutely any) to log in allegedly existing Sberbank.Online account;
Confirm your entry (dial again any numbers);
Follow the arrows: go to the section "Deposits and accounts" select opening and select the deposit you are interested in;
Enter your deposit details(amount, term, etc.), confirm the terms of the agreement;
Hooray! Your fake contribution is open.

The simulator is designed so that a potential investor can practice and make sure that everything is simple.

There is also a video instruction:

Sberbank deposit calculator

Enter the interest on the Sberbank deposit that interests you, as well as the term and amount to calculate potential profit.

Sberbank online deposit calculator - This is a fast and free way to calculate profitability.

What deposits has Sberbank prepared for December 2019 for individuals. Today, 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 favorable % rate, in contrast to conventional investments. The bank often offers promotions and promotional deposits to attract customers. As a rule, the rate for opening such deposits is temporary, approximately 2-3 months. The bank's interest rates on regular investments are low compared to its competitors.

Deposits for Sberbank First clients - high interest rates

The Sberbank First level package is available, as a rule, to wealthy clients who can open large deposits and whose account balances amount to millions. Here are the main conditions to become such a client and receive up to 6.10% on deposits.

It is necessary to open a vlkad in the amount of 5 million rubles / 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 currency exchange rates
$1 million travel insurance for the whole family
Access to airport business lounges for you and your travel companions
Increased bonuses THANK YOU

Questions and answers on Sberbank deposits

Is it possible to 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 a rate of 0.01% per annum.

What benefits are there for pensioners when opening a deposit?

Pensioners will receive the maximum interest on Save and Replenish deposits, 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 renewal date. Thus, the interest on the deposit may change. If the deposit is no longer valid, it is extended until demand at a rate of 0.01% per annum, as specified in the agreement.

How to withdraw money from an account or savings book from another region?

Contact the office and submit a request for 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?

Interest added to the deposit amount can be withdrawn at any time in whole or in part. Receive interest through Sberbank Online or at the bank office.

Sberbank offers the registration of time deposits without the possibility of replenishment and withdrawal (Save), savings (Replenish) and expense-cumulative (Manage). The client can also open a demand deposit without restrictions on withdrawal of funds. Special conditions have been developed for pensioners, as well as for current 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 will be the child after reaching adulthood. There is also a deposit program Give Life, part of which is donated to charity.

Design features. To make a deposit in a bank, a citizen of the Russian Federation must provide an identification document of the depositor - this can be a civil passport, an identity card of a Russian military personnel (military ID), a temporary identity card of a citizen of the Russian Federation (form N 2P). Also, in some cases, the Bank has the right to request a TIN.

You can also make a deposit at the Bank Foreign citizens– in addition to the 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 simultaneously is not limited. There are the following features of registering deposits at Sberbank:

A time 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 in whose name 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, and, if available, TIN;
Several people can manage the deposit at the same time, for example, family members; for this you need to issue a power 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 by inheritance;
The rate may be increased due to additional contributions or due to an increase in the minimum amount (if this is provided for in the individual terms of the contract).

How to open a deposit? You can make a deposit with Sberbank in the following ways:

At the Bank office. The client must have with him an identification document: a general civil passport of the Russian Federation, a military personnel identification card, 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 in the territory of the Russian Federation are also required);
At a Sberbank ATM. Money can be deposited into the deposit by transferring from a card or directly depositing cash into an ATM. In the ATM menu you can familiarize yourself with the Bank’s deposit parameters and indicate the amount and term of the deposit to be made.
Remotely via internet banking or mobile app Sberbank Online – for existing clients of the Bank, this method involves receiving an addition to the interest rate (available within the framework of the Bank’s main programs).

Attention! Remote actions with your deposits can only be performed 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 is rubles).
If at the time of concluding the contract the client does not have specified card, then a card account in rubles is automatically opened and a “Momentum” card is immediately issued without charging a service fee.

You can receive a bank deposit agreement opened online by printing it in personal account Internet banking Sberbank Online in the “Transaction History” section, or personally contact any Bank office.

Prolongation of deposits. When registering 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 deposit period, the client has not withdrawn the money, auto-renewal occurs on the terms specified in the agreement or in force at the time of expiration (unless the client refused auto-renewal at the time of conclusion of the agreement).

If during the term of the agreement, the Bank ceased to provide a similar deposit rate, auto-renewal is carried out on the terms of a demand deposit (rate 0.01%). Please note that automatic prolongation may involve a lower rate compared to the original (if the Bank's tariffs have changed during the deposit period). The client can avoid such risks by completing the extension “manually” - by contacting the Bank immediately after the end of the deposit term to conclude an agreement on new terms.

The procedure for closing a deposit. You can close a deposit remotely, using Internet banking or the Sberbank Online mobile banking application - to do this, you need to fill out the appropriate short form in your Personal Account, indicating the account for depositing funds, and in the mobile application, click the “Close Deposit” button and then follow the instructions, the amount will be transferred to a valid card or account. That's it, you can immediately use the funds.

Another option for closing a deposit is to contact the Bank division in which 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 cash You can also get it at the Bank's cash desk. For getting large sums(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, is up to 5.25% on average, on dollars - 1.06%, euro - 0.01%. The policy of a reputable bank in the country is simple - “Reliability and credibility”, therefore the interest rates are average. In this article, Council-Banker will consider current data on Sber banking products for the new year 2020.

During the holidays in March and March 2020, Sberbank of Russia offers individuals and pensioners to open a new promotional deposit “Catch the Spring” with an annual rate of 5 percent in rubles.

Deposits for individuals in Sberbank - conditions 2020

before 5,00%

from 50,000 rub.

term: from 150 days

Capitalization: No
Interest payment: at the end of the term
Refillable: No
Partial withdrawal: impossible
Early dissolution: at demand rate

More details

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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

More details

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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

More details

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before 4,15%

from 1000 rub.

term: from 91 days

Capitalization: possible
Interest payment: monthly
Refillable: Maybe
Partial withdrawal: No
Early dissolution: on preferential terms

More details

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before 3,80%

from 30,000 rub.

term: from 91 days

Capitalization: possible
Interest payment: monthly
Refillable: Maybe
Partial withdrawal: Maybe
Early dissolution: on preferential terms

More details

Hide

before 1,80%

from 1 rub.

term: from 30 days

Capitalization: possible
Interest payment: monthly
Refillable: Maybe
Partial withdrawal: Maybe
Early dissolution: on preferential terms

More details

Hide

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

More details

Hide

before 3,67%

from 1 rub.

term: from 0 days

Capitalization: quarterly (optional)
Interest payment: quarterly
Refillable: Maybe
Partial withdrawal: Maybe
Early dissolution: on preferential terms

More details

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before 3,29%

from 1 rub.

term: from 1095 days

Capitalization: quarterly (optional)
Interest payment: quarterly
Refillable: Maybe
Partial withdrawal: Maybe
Early dissolution: on preferential terms

More details

Hide

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 duration 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 review not only the terms of the deposit, but also read the Sberbank agreement and perhaps check with a bank employee for details and the possibility of changing the conditions. Some clients choose deposits, since under this condition they can receive income not only from money, but also from valuable papers, including foreign ones.

Sberbank deposit calculator - calculate profitability

You can use an online calculator to find out the most suitable and profitable investment for your circumstances. Select the amount and term of the deposit, and the current interest rate will be automatically adjusted. Since the interest rate depends on the amount, term and name of the deposit, for ease of calculations we have created individual calculators for each Sberbank deposit. It is worth highlighting several serious advantages of the calculator:

Current interest rates on deposits for today, as calculators are downloaded directly from the official website
The interest rate automatically increases depending on the amount and term of the deposit
The options “Capitalization” and “I am a pensioner or pre-retirement” automatically change the rate when clicked

New contribution "Catch the Spring" until March 14

Deposit rate - 5%
Deposit period up to 5 months.
Amount from 50,000 ₽
Without capitalization
No replenishment
No partial withdrawal
Payment of interest - at the end of the term

For the holidays of February 23 and March 8, Sberbank, together with its partners, decided to hold a promotion and offered clients discounts on different kinds services and goods. In this way, he allegedly helps his clients “congratulate their family and friends and create a memorable #wow day for them.”

A new promotional deposit “Catch the Spring”, which Sber introduced for the holidays - component this big #wow promotion. We will talk below about what else the Security Council of the Russian Federation offers for gender holidays, but for now we will focus on the deposit. He's worth it.

What kind of income can you get 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 “Catch the Spring” deposit account at Sberbank of Russia, the consumer needs to be a client of a financial institution. This is due to the fact that the deposit is opened only through remote channels of the banking organization. These include Internet banking, 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 from the main page of the site. In the form that opens, you will need to provide your login information (username and password).

If the user does not have this data, he will need to register.

Promotional deposit in rubles “Profitable start”

The minimum amount of promotional deposit is 50 thousand rubles.
The deposit rate 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 promotional deposit “Profitable Start” in rubles during December. The deposit is valid for residents of the South and North Caucasus from September 30 to December 30, 2019, reports the press service of the credit institution.

The Profitable Start deposit can be opened in remote service channels (ATM, Internet banking or Sberbank Online mobile application) for bank clients in whose name no other deposits were opened with Sberbank during the period from August 20, 2018 to September 20, 2019 .

Conditions for calculating interest

Interest is accrued at the end of the deposit term.

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 offers promotions on deposits, the increased interest rate of which usually reaches 5.45% -6.10%. At the time of writing, there is one deposit for the promotion, this is “Online Plus” and three investments of the “Special” program. Deposits from 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 contribution	Interest rate	Min. sum	Term	Deposit and withdrawal
Special Save	Up to 5.45% in rubles up to 1.15% in dollars	700 thousand rubles/50 thousand $	from 1 month up to 3 years	Without removal No replenishment
Special Replenish	Up to 5.00% in rubles up to 0.75% in dollars	700 thousand rubles/50 thousand $	from 3 months up to 3 years	With replenishment Without removal
Special Manage	Up to 4.70% in rubles up to 0.55% in dollars	700 thousand rubles/50 thousand $	from 3 months up to 3 years	With replenishment With removal

Which Sberbank deposit to choose in 2020

Assess your circumstances and use the calculator for different deposit programs. From shares You should choose the "Online Plus" deposit, 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, as a rule, come with a good rate.

Despite the reputation of a reliable, but not the most profitable bank for depositors, 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 Sberbank deposits in rubles promise a high interest rate?

Deposits within the framework of the Sberbank Premier and Sberbank First service packages

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 validity period of these deposits is from 1 month to 3 years. The minimum investment amount is 1 million rubles, 50 thousand US dollars. We also offer a line of deposits for particularly large investments - 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 “Take advantage!”

This is a new ruble product of Sberbank from the category of seasonal deposits, and it can be opened 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. You cannot replenish and withdraw money before the end of the deposit period (without losing interest). The deposit is opened both in bank offices and in the personal account of Sberbank Online.

“Save” deposit

The interest rate is up to 5.38% per annum on ruble accounts. This deposit can also be opened in dollars, but the yield here is lower - up to 1.74% (including interest capitalization). At the client’s choice, interest can be paid every month in cash or to a bank card (if the deposit amount is more than 100 thousand rubles, it is issued free of charge).

The deposit is not replenished, without the possibility of partial withdrawal. The minimum amount to open an account is 1,000 rubles (100 dollars/euro). The shortest term for placing funds is 1 month, the longest is 3 years. If the contract is terminated early, you will be paid interest in the amount of 2/3 of the rate (after 6 months of the main deposit period).

“Gift of Life” contribution

One of the Sberbank deposits with a higher interest rate is the “Gift of Life” deposit. By opening this deposit for an amount of 10 thousand rubles or more, 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 charity program: 0.3% per annum of the income you receive from the deposit will be transferred to a fund to help children with serious illnesses.

Another advantage of the program, besides high interest rate— capitalization of interest on the deposit. Income is accrued every three months, and you can withdraw them from your account without losing profits, 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 do not request a refund upon expiration of the contract, the deposit will be extended automatically. If you terminate the contract early, you will be paid interest in the amount of 2/3 of the rate.

Offers for investors are constantly being supplemented with new programs dedicated to certain dates and allowing them to receive maximum income. As a rule, they differ only in the high interest rate.

From the line of basic deposits, the most profitable today is the “Save” deposit, and when issued through Sberbank Online, the rate will be higher. The Gift of Life deposit will bring slightly less income if you can afford to deposit a fairly 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 preferences. Do you want to get a high interest rate on Sberbank deposits? It's possible. But the maximum income will be generated when placing funds for a period of more than 3 years.

Current as of March 2019