PJSC Sberbank is the largest bank in the country. Its main shareholder is the Central Bank of Russia, which owns 52.32% of the shares of the PJSC. The remaining shares are distributed between legal entities and individuals, including foreign ones. Chairman of the Board of Sberbank German Gref owns a stake worth $2.19 million (this is 0.003% of the total number of shares). Being essentially a state bank, Sberbank offers deposits that are completely protected from non-trading risks. The pension deposit in Sberbank is especially interesting for pensioners with a high interest rate. There are lines of deposits designed specifically for older people. Naturally, all of them are protected by insurance.

Types of deposits in Sberbank of Russia for pensioners

The largest bank in Russia has 8 deposit offers. One tariff is intended exclusively for pensioners - “Pension-plus”. Its conditions are:

• rate 3.5% per annum (3.67% with capitalization);
• term – 3 years;
• minimum contribution – 1 ruble;
• deposits and withdrawals are not limited.

The account is renewed automatically; you do not need to do anything special for this. If the deposit is closed early, all accrued interest is retained, and are not recalculated at a rate of 0.01%, as is the case with most other deposits.

In addition, to further protect your investment, you can register for a deposit account power of attorney or will.

It is possible to automatically replenish your account (Autopayment service).

For another 4 types of deposits, a maximum rate is provided for pensioners, regardless of the amount invested. Income for older Sberbank clients will depend only on the chosen tariff and the investment period.

These conditions apply to such products as Sberbank deposit “Save” pension with an increased interest rate, “Save online”, “Top up” and “Top up online”.

In addition, additional points can be added to the interest rate if you open an account remotely - through a terminal, ATM or online bank.

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What are the most profitable deposits in Sberbank of Russia for pensioners?

If you are interested in deposits for pensioners with maximum interest rates in Sberbank, you should pay attention not only to the basic instrument, but also to the opportunity to open a “pension” version of the “Save” and “Replenish” products. In addition, multicurrency deposits “Multicurrency” (rubles, dollars and euros) and “International” (pound sterling, franc and yen) may seem interesting, which provide an opportunity to earn not only on interest, but also on the growth of exchange rates - in fact, these are investment deposits tools.

There are two other interesting contributions:

1. fixed-term (annual) “Gift of Life” with an income of 8.35%, 0.3% per annum every three months are transferred to charity;
2. 3-year “Social”, which a pensioner (or any other bank client) can open in the name of an orphan (7.77% per annum).

Interest rates on main deposits

Features of the main tariffs:

• the minimum deposit amount is 1,000 rubles (30,000 for “Manage”);
• automatic renewal;
• “Save” – no movement of funds is provided;
• “Top up” – an increase in the amount is possible, but a decrease is not;
• “Manage” – any incoming and outgoing transactions are possible.

The interest on all these deposits is presented in the table. Please note that at Sberbank interest rates on deposits for pensioners today are in rubles are calculated at the highest rate, regardless of the amount invested. The rates for deposits opened in the office/remotely (online) are indicated through a fraction.

Name	Amount, rubles	Duration 1-2 months	2-3 months	3-6 months	6-12 months	1-2 years	2-3 years	3 years
Save / Save online	1 000 – 100 000	6,3 / 6,5	6,7 / 6,9	7,1 / 7,3	7,4 / 7,6	7,55 / 7,7	7,55 / 7,7	7,55 / 7,7
	100 000 – 400 000	6,45 / 6,8	6,85 / 7,2	7,25 / 7,6	7,55 / 7,9	7,7 / 8	7,7 / 8	7,7 / 8
	400 000 – 700 000	6,6 / 7	7 / 7,4	7,4 / 7,8	7,7 / 8,1	7,85 / 8,2	7,85 / 8,2	7,85 / 8,2
	700 000 – 2 000 000	6,8 / 7,2	7,2 / 7,6	7,6 / 8	7,9 / 8,3	8,05 / 8,4	8,05 / 8,4	8,05 / 8,4
	2,000,000 and more	6,8 / 7,2	7,2 / 7,6	7,6 / 8	7,9 / 8,3	8,05 / 8,4	8,05 / 8,4	8,05 / 8,4
Top up / Top up online	1 000 – 100 000	–	–	6,85 / 7,05	7,15 / 7,35	6,9 / 7,25	6,85 / 7,15	6,75 / 7,05
	100 000 – 400 000	–	–	7 / 7,35	7,3 / 7,65	7,05 / 7,55	7 / 7,45	6,9 / 7,35
	400 000 – 700 000	–	–	7,15 / 7,55	7,45 / 7,85	7,2 / 7,75	7,15 / 7,65	7,05 / 7,55
	700 000 – 2 000 000	–	–	7,35 / 7,75	7,65 / 8,05	7,4 / 7,95	7,35 / 7,85	7,25 / 7,75
	2,000,000 and more	–	–	7,35 / 7,75	7,65 / 8,05	7,4 / 7,95	7,35 / 7,85	7,25 / 7,75
Manage / Manage online	30000	–	–	6,55 / 6,75	6,7 / 6,9	6 / 6,35	5,95 / 6,25	5,85 / 6,15
	100 000	–	–	6,7 / 7,05	6,85 / 7,2	6,15 / 6,65	6,1 / 6,55	6 / 6,45
	400 000	–	–	6,85 / 7,25	7 / 7,4	6,3 / 6,85	6,25 / 6,75	6,15 / 6,65
	700 000	–	–	7,05 / 7,45	7,2 / 7,6	6,5 / 7,05	6,45 / 6,95	6,35 / 6,85
	2 000 000	–	–	7,05 / 7,45	7,2 / 7,6	6,5 / 7,05	6,45 / 6,95	6,35 / 6,85

How to open a deposit

As you can see, profitability depends on the type of deposits in Sberbank of Russia:

• for pensioners, the maximum rate applies (for example, when investing 50,000 rubles in “Manage” for a period of 1 year, the return will not be 6.85% per annum, but 7.20%);
• when investing via the Internet, rates are several dozen points higher (from 0.2 to 0.4).

To open a deposit account in the office, you just need to come to Sberbank with your passport, sign an agreement and deposit the amount in cash or by payment order from another account.

To open remotely, First you need to become a client of Sberbank - just issue a personalized card and enter into a comprehensive service agreement. Mobile banking and internet banking will be automatically connected to the client. You can receive a login, password and a list of one-time authorization codes directly in the office or any ATM of the institution.

After receiving the card, you will need to deposit the required amount on it through an ATM or cash register, and then follow the algorithm:

1. go to the page https://online.sberbank.ru;
2. log in and confirm login using a code from SMS or a list of one-time passwords;
3. go to the “Deposits and Accounts” tab;
4. select the “Open deposit” section;
5. view the list of available investments and select the proposed option;
6. on the next tab, select the appropriate parameters - term, amount, rate, debit account, etc.
7. confirm the operation with the code from SMS.

The account will open automatically. Subsequently, it will be possible to replenish it following the same algorithm. The number of deposits for one client is unlimited.

Savings certificates of Sberbank

When wondering which deposits in Sberbank of Russia are the most profitable for pensioners, you may lose sight of other investment opportunities provided by the institution. One of them is a savings certificate.

This is a security with a nominal value of 10,000 rubles. It gives a more significant return than an ordinary deposit - from 8.10 to 11.50%, depending on the value of the certificate and its validity period.

This financial instrument is intended for long-term and serious investments, since a savings certificate cannot be cashed out or replenished before its expiration date, and real profitability begins when investing serious amounts - over 50,000 rubles.

But if a pensioner has accumulated a significant amount of money, then it is better to invest it in purchasing certificates with a higher return than opening a regular deposit.

Certificates are not personalized, so they can be given, exchanged, or bequeathed.

Sberbank is recognized as the most reliable financial institution for saving and accumulating funds. The SB has several types of deposits that provide benefits for different segments of the population. Savers can choose offers that suit their social status, money management strategy, and the amount of down payment they can afford.

Today Sberbank has 3 special programs for pensioners, the essence of which is increased rates on deposits and more favorable conditions for managing invested money. These include deposits:

• "Save";
• "Replenish";
• “Pension-plus of Sberbank of Russia”;

The first two include additional benefits for older people in their program, and the last one was created specifically for pensioners: those who have not yet retired will not be able to take advantage of the offer.

In addition, SB has deposits that do not provide special benefits for representatives of the elderly part of the population, however, pensioners can take advantage of these offers and find them quite profitable for themselves:

• "Manage";
• "Take advantage."

To find out what is the most profitable deposit in Sberbank for pensioners today, let’s take a closer look at each of them.

"Save"

The “Save” deposit was created to store existing capital. The deposit cannot be replenished. Partial withdrawal of funds is also not provided, however, you can withdraw accrued interest. Minimum annual rate - 4.05%, maximum - 6.26%, subject to capitalization - adding interest to the principal amount of the investment.

Important: Interest is calculated every month. They can be withdrawn, withdrawn to a card, or added to the total bill amount.

The tariff depends on the amount of the down payment, the currency and term of the investment, as well as on the opening method: if you open in SB Online, the interest will be higher.

For pensioners on the “Save” deposit, Sberbank provides preferential conditions, the essence of which is that the maximum rate does not depend on the amount of the first payment: only the term and currency are taken into account.

You can open a deposit starting from one thousand rubles, or 100 dollars, for a period from 1 month to 3 years: payments in euros are not accepted. You can apply at any company office, ATM, or using the Sberbank Online service - via a computer or the appropriate mobile application.

"Replenish"

The main conditions of the “Top up” offer are practically no different from the previous one. The difference is:

• at an annual rate - from 4.6 to 5.56%;
• minimum deposit period - from 3 months;
• the ability to top up your account at any time an unlimited number of times.

You can deposit additional funds in cash or by bank transfer. In the first case, the minimum contribution is 1000 rubles or $100, in the second - any amount.

Retired individuals can also open an account at a higher interest rate based on the rate calculated on the term of the deposit rather than on the amount.

Important: benefits are provided only to “aged” pensioners - for those who retired early, due to length of service, the conditions are standard.

"Pension-plus of Sberbank of Russia"

The deposit is specially created for people who have retired. The advantage of the program over other offers is:

• in complete freedom to manage your savings - you can withdraw and deposit money whenever you need it: there are no restrictions;
• Possibility of opening an account from one ruble;
• high interest rate, relative to other deposits, giving the opportunity to freely manage money.

The deposit can be opened for at least 3 years. After 3 years, the period will be extended automatically, unless otherwise stated in the additional agreement. You can only deposit Russian rubles into your account: foreign currency is not accepted.

Interest is calculated every quarter. At the client’s discretion, charges can be withdrawn to the card or added to the deposit amount. The latter option is more profitable, since with capitalization, the tariff increases slightly. The interest rate on a special deposit in Sberbank for pensioners does not depend on either the amount or the period of investment: its size is invariably 3.5%.

Important: unlike the “Save” and “Replenish” deposits, “Pension Plus” can be applied for not only by people who have reached retirement age, but also by those who have retired due to long service.

Other deposits from Sberbank

The “Manage” and “Catch a Profit” deposits at Sberbank do not qualify as offers with preferential conditions for pensioners, however, the rates on these deposits are slightly higher, so it may be more profitable to invest in them.

“Manage” is similar in terms of managing invested funds to “Pension Plus” - you can replenish your account and withdraw money up to a minimum balance. The rate varies from 4.3 to 4.75%, but the minimum amount for opening should not be less than 30 thousand rubles. The deposit opens from 3 months to 3 years.

The “Catch a Profit” deposit is a seasonal offer, with one of the highest rates in SB at the moment. The amount of accruals depends on the investment period:

• from 5 months – 7.1%;
• from 12 months – 7.5%;
• from 18 months – 7.65%.

The invested money cannot be disposed of until the end of the term, which is similar to the terms of the “Save” deposit. The only drawback of the proposal is the high opening fee - from 50 thousand rubles.

Conclusion: if a pensioner has the opportunity to open an account for a large amount at once, then it is wiser to consider these particular offers from the Security Council.

Comparison of deposit rates for pensioners

Since “Pension Plus” is open for 3 years, let’s compare the percentages of all deposits in Sberbank for pensioners for a three-year period and find out which one is more profitable and convenient today.

Let’s say a deposit is opened for 10 thousand rubles for a period of three years, while there will be no additional investments and cash withdrawals, and accrued interest will be added to the principal amount, Then:

If during the deposit period the pensioner plans to regularly contribute additional funds, then you should consider only the “Pension Plus” and “Replenish” programs. The investment amount is the same 10 thousand rubles, while the deposit will be replenished by one thousand every month.

Calculations are current at the beginning of 2020. The rate may be changed in the future.

Which investment in our opinion is the most profitable?

It is difficult to unequivocally answer the question of which deposit is more profitable: it all depends on the amount you can invest and the desired way to manage your money. The “Save” deposit will have the highest interest rate, however, as can be seen from the table above, if you invest a small amount, the difference compared to other programs is small - only 300-700 rubles.

The income will be more noticeable if you regularly replenish your account by at least one thousand rubles, without withdrawing money until the end of the term. Then it makes more sense to choose the “Top up” offer. Pensioners who want to have constant access to their savings are better off using the special “Pension Plus” program.

For those who can afford to invest at least 50 thousand rubles for several years, it is much more profitable not to use preferential programs for pensioners, but to deposit money into the “Catch the Benefit” account.

How to open a deposit for a pensioner in Sberbank

Any of the selected deposits can be opened at the SB office. All you need to do is bring the necessary documents and the amount you intend to invest.

In addition, all deposits, except “Pension Plus of Sberbank of Russia”, can be opened remotely, through an online bank. To do this, you need to be a client of a financial institution authorized in the SB Online system. To open a savings account online, you need:

1. log in to your personal account;
2. go to the “Deposits” window;
3. find the selected program;
4. fill out a short form and transfer money by bank transfer.

Important: deposit documents can be printed through the “Transaction History” tab in your personal account or directly at the Sberbank office.

What documents will be required

To open a deposit, you must bring two documents - a passport of a citizen of the Russian Federation and a pension certificate. If you open an account remotely via a personal account, then no documents are needed, since all your data is already in the bank’s system.

Conditions for early closure

If necessary, the invested money can always be returned, however, not all deposits provide for the preservation of interest in the event of early termination of the contract. The only deposit for which the interest rate will not change in case of early closure is “Pension Plus”.

Under the “Save” and “Replenish” programs, you will not be able to receive interest in full. Firstly, the monthly capitalization of interest will not be taken into account, and secondly, the initial rate will be reduced:

• up to 0.1% if the deposit was opened for less than 6 months;
• up to 2/3 of the interest rate if the account is open for more than six months.

If the final amount of the “Replenish” deposit is exceeded, that is, 10 times more than the initial contribution, then 2/3% will be charged on the principal amount, and 1/3% of the annual rate will be charged on the excess share.

Sberbank, like many other banks in Russia today, has profitable deposits with increased rates for both all individuals and pensioners in particular.

The information presented on this page will help you choose and open the most profitable pension deposit at the moment. Let's figure out whether it is necessary to make a deposit online today in order to get the maximum interest.

Features of individual deposits for pensioners in Sberbank

In 2020, Sberbank of Russia offers pensioners basic deposits for individuals, but with the highest rates. Moreover, their size does not depend on the amount decided to place on deposit.

For example, for the “Save” deposit a pensioner can receive the maximum interest rate possible on a given deposit even if he invests only 1,000 rubles. And another individual who does not belong to the category of pensioners will receive the same interest only if he opens a “Save” deposit, depositing 400 thousand rubles at once! Sberbank calculates interest rates on other pension deposits in a similar way.

However, we must remember the following.

For deposits opened in Sberbank Online, the maximum rate for the selected period is set only for age pensioners - women over 55 years old and men over 60 years old.

Special benefits are also provided for pre-retirees. In particular, if you have reached retirement age after opening a deposit, then its extension is automatically carried out at the maximum interest rate depending on the selected period.

What deposits for pensioners are there in Sberbank today

So, at Sberbank you can open the following pension products on special conditions:

1. “Save”;
2. “Replenish”;
3. “Pension-plus of Sberbank of Russia”;
4. MIR debit pension card.

Deposits with the ability to replenish and partially withdraw money without loss of profitability “Manage”, as well as the charitable deposit “Gift of Life” for pensioners in Sberbank are opened on general terms.

See what deposits there are for pensioners today in other banks:

Sberbank deposits for pensioners today: high interest rates and favorable conditions

In February and March 2020, you can open a seasonal deposit “Catch the Spring”, which may be interesting because it has increased interest. This is where we will begin our review today. And we will continue it with deposits with special conditions for pensioners.

New contribution “Catch the Spring”

This is a promotional deposit for individuals that can be issued only from February 19 to March 14, 2020. Opens only online or at ATM.

Conditions

Duration: 5 months.
Amount: from 50,000 rub.
Replenishment: No
Partial withdrawal: No
Interest: At the end of the term
Early termination: at a rate of 0.01%

Interest rates

5% per annum in rubles.

Deposit calculator: calculate deposit

The Sberbank online deposit calculator for individuals will help you calculate income depending on the interest rate and term. It allows you to find out the profitability taking into account capitalization, replenishment and withdrawal of funds from the account.

Deposits with preferential terms for persons of retirement age

Under special conditions, pensioners today can open replenishable deposits at Sberbank, as well as time deposits without the ability to manage their money, but with the highest return.

Sberbank deposit for pensioners “Save”: conditions and interest

This deposit is designed to receive a guaranteed maximum income. Its advantages are:

√ automatic transfer to the best possible rates at Sberbank upon reaching retirement age and prolongation of the deposit.

Among the disadvantages, it should be noted that there is no possibility of replenishing and partially withdrawing money without losing interest.

Conditions

Duration: from 1 month to 3 years;
Replenishment: no;
Partial withdrawal: no;

Conditions for calculating interest

Interest is calculated monthly;
The accrued interest is added to the deposit amount, increasing income in the following periods;
Accrued interest can be withdrawn and also transferred to the card account;

Interest rates

In Russian rubles

Term	Interest rate
	4,50% / 4,54%

In US dollars

Term	Interest rate
	0.85 / 0.85

Deposit for pensioners in Sberbank “Replenish”: conditions and interest

This is a typical replenishable deposit for those clients who prefer to save and regularly set aside money for a rainy day. Its advantages are:

√ possibility of replenishment;
√ maximum interest rate for the selected period, regardless of the deposit amount;
√ automatic transfer to the best rates possible at the Bank upon reaching retirement age and prolongation of the deposit.

Conditions

Duration: from 3 months to 3 years;
Amount: from 1,000 rubles / 100 US dollars;
Replenishment: provided for the following contribution amounts:
-- cash - from 1,000 rubles / 100 US dollars;
-- cashless - unlimited.
Partial withdrawal: no.

Conditions for calculating interest

Interest is calculated monthly.
The accrued interest can be withdrawn or transferred to the card account.

Interest rates

Without capitalization / With capitalization

In Russian rubles

Term	Interest rate
	4,15% / 4,19%

In US dollars

Term	Interest rate
	0.50 / 0.50

Deposit "Pension-plus of Sberbank of Russia"

This is a deposit to receive income for retirement. 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. Opens only in rubles. It will not be possible to open the Sberbank of Russia Pension Plus Deposit in dollars. Even those who in our country receive a pension in dollars, although we doubt that such exist.

Conditions

Duration: 3 years;
Minimum amount: 1 ruble;
Replenishment: unlimited;
Partial withdrawal without loss of interest: provided up to the level of the minimum balance;
Early termination: when the deposit is withdrawn, the rate established on the date of opening (prolongation) of the deposit does not change.

Conditions for calculating interest

Interest is calculated every 3 months
The accrued interest is added to the deposit amount, increasing income in subsequent periods.

Interest rate

3.50% per annum without capitalization;

3.67% per annum with capitalization.

Sberbank MIR pension cards

The Sberbank MIR “Social” debit card is intended for receiving a pension. It is beneficial in that the issuance and servicing of cards is free, and 3.5% per annum is charged on the money in the account.

Conditions

Payment system: MIR;
Territory of use: Russian Federation;
Card account currency: rubles;
Card validity: 3 years;
Electronic chip protection: provided;
Cost of service: free;
Preferential mobile banking: the first 2 calendar months are free, then 30 rubles per month;
Bonus program “Thank you from Sberbank”: provided.

Interest on Sberbank MIR pension cards

3.5% per annum on the card balance.

You can find out more about the conditions for issuing and using Sberbank bank cards for pensioners.

See the conditions of the pension card at Rosselkhozbank.

Deposits without benefits for persons of retirement age

“Manage” deposit

This deposit allows partial withdrawal of funds, as well as replenishment of the account without loss of interest.

Conditions

Duration: from 3 months to 3 years;
Min. amount: 30,000 rubles, 1000 dollars;
Replenishment: yes;
Min. replenishment amount: 1000 rubles, 100 dollars in cash / Non-cash - unlimited;
Partial withdrawal without loss of profitability: up to the minimum minimum balance.
Capitalization: yes.

Interest rate

When registering in a branch and online, the profitability today is the same:

“Gift of Life” contribution

This is a ruble deposit for those who are ready not only to save money, but also to help those in need - children with oncological, hematological and other serious diseases. Every 3 months, Sberbank transfers to the Gift of Life charity fund an amount of 0.3% per annum of the deposit amount.

Conditions

Duration: 1 year;
Min. amount: 10,000 rubles.
Replenishment: no;
Partial withdrawal: no.
Capitalization: yes.

Interest rate

4.70% per annum without capitalization;

4.78% per annum with capitalization.

Conditions for early termination of deposits

If the terms of the deposit indicate that partial withdrawal is not provided, this does not mean that the depositor cannot return his own money before the time established by the agreement!

In any unforeseen situation, if you need money before the end of the deposit, you can always get it. But, alas, almost no interest.

The Save, Give Life, Replenish and Manage deposits have the same conditions for early withdrawal of money:

✓ If you withdraw money within the first 6 months, interest will be charged at a rate of 0.01% per annum.

✓ And if you withdraw savings after 6 months, then income in most cases will be calculated based on 2/3 of the interest rate.

Other rules come into force only if your savings have increased 10 times during your stay in the bank. But this is only possible if you actively replenish the deposit yourself. So, if you are planning to open Replenish or Manage deposits, carefully study the conditions for early withdrawal of money.

And one more nuance.

In case of early termination of the deposit, interest is recalculated without taking into account monthly capitalization!

Prolongation conditions

Automatic prolongation of deposits of individuals is carried out on the terms and at the interest rate in effect on the date of prolongation. The number of extensions is not limited.

See savings offers at Pochta Bank.

Question answer

What is interest capitalization?

This is the 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.

What is the minimum balance?

This is the minimum amount that must be kept in your account during the deposit period.

Is it possible to open several deposits at once?

Yes. The client can make any number of deposits.

Is it possible to open a deposit for another person?

Yes. To open a deposit in the name of another person, you need your passport and a notarized photocopy of the passport of the person in whose name the deposit is made.

Is it possible to open a “family” deposit for several people at once?

No. The deposit is opened for one person only. But the client can issue a power of attorney for deposit management free of charge. 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 Sberbank office. Moreover, the authorized person does not have to come. The document is valid for 10 years.

Are Sberbank deposits insured for pensioners?

All deposits of Sberbank of Russia are insured in accordance with the Federal Law “On Insurance of Individual Deposits in Banks of the Russian Federation” No. 177-FZ dated December 23, 2003.

Conclusions: what is the most profitable Sberbank deposit for pensioners today?

Let's figure out what kind of deposit you need to make in order to get maximum income. Let's consider several criteria that can affect the profitability of a deposit.

1. Design method. Until recently, a higher interest rate on a deposit could be obtained if you opened a deposit not in a bank office, but through your Sberbank Online personal account. But today, rates on deposits opened in a bank branch and via the Internet have become equal.

Conclusion: This means that in order to get the maximum interest, it is no longer necessary to make a deposit at Sberbank Online or an ATM. You can also apply for it at a bank branch.

2. Sum. The deposit rate for pensioners does not depend on how much you want to deposit in the bank.

Conclusion: you can invest 1,000 or 400,000 rubles, but the profitability will be the same.

3. Term. For pensioners, the profitability of deposits depends only on this parameter.

Conclusion: Judging by the rate tables, the maximum profitability today can be obtained if you invest money for a period of 6-12 months.

Now let's choose the most profitable deposit using a specific example. Let's say a pensioner wants to invest 100,000 rubles for 1 year. Which investment will be better?

Comparative table of Sberbank deposits for a period of 1 year

Deposit / Rate	in rubles	in dollars
Save
Replenish
Pension Plus
MIR Map
Manage
gift a life
-	-	-

As you can see, the most profitable deposit today for a period of 1 year is the “Gift of Life” deposit. Even if it does not have special benefits for pensioners.

With a term of 5 months, the greatest income now comes from the “Catch the Spring” deposit - 5% in rubles.

And for other periods, the most profitable will be the classic “Save”.

How to apply for the most profitable Sberbank deposit for pensioners

As we understand, the most profitable deposits for individuals in Sberbank for pensioners (excluding bonuses) are “Catch the Spring”, “Save” or “Gift of Life”. How to make a deposit?

1. In the department. Contact the Sberbank office with your passport. A bank employee will help you prepare the necessary documents. All that remains is to deposit the money.

2. Online. If you are already a Sber client, then you need to register in the Sberbank Online Internet bank. And then:

Log in to Sberbank Online and select the “Deposits and Accounts” section.
Select the “Open Deposit” menu item.
Read the terms and conditions for placing funds and select a suitable deposit. Click Continue.
Fill out the application: select the debit account, the deposit amount and the deposit period. Click "Open".

Sberbank is the largest Russian bank with a large share of state capital. It has many foreign offices and representative offices. In terms of financial indicators, it is ahead of all its competitors. It is he who is considered the most reliable bank, so individuals and legal entities try to cooperate with him.

Practice shows that today the vast majority of Russian pensioners open deposits in Sberbank to store their savings. The share of private investment is growing almost monthly. This is also facilitated by a wide range of profitable cash deposits at Sberbank of Russia for pensioners.

Let's consider what types of deposits are available at Sberbank of Russia for elderly individuals (pensioners) and the terms of deposit offers are the best and most profitable.

"Save"

This program is designed to help you maintain your current savings and earn a little extra income. To open this deposit You only need a passport of a Russian citizen.

Conditions:

• Investment period from 1 month to 3 years.
• An investment of 1000 rubles or 100 USD/euro is provided.
• Replenishment or partial withdrawal is not provided.
• Renewal occurs automatically an unlimited number of times.
• Pensioners are offered an increased percentage.

The capitalization size varies depending on the duration of the investment and the amount.

The minimum rate at Sberbank of Russia on ruble deposits for pensioners is 6.3%, the maximum is 9.07%. Dollar investments in Sberbank will bring from 0.05% to 2.22%, and in euros 0.01% - 1.17%.

In case of early termination, the investor receives 0.01% per annum. Thanks to a special calculator, which is available on the banking website, you can calculate your potential profit.

We invite you to read the terms and conditions. There are special offers and preferential programs!

The right to receive insurance after repaying the loan: we will tell you about the procedure and what documents you need to collect.

Obtaining a consumer loan from Moscow banks: overview of conditions, assistance in choosing and applications via the Internet.

"Replenish"

Under this program in Sberbank individuals over 60 years old can receive from 6.85% to 8.07% when depositing money in rubles, the bank offers deposits at 0.25% - 2.01% for dollar investors, and for pensioners who open an account in euros, they can receive 0.1% - 1.07% per annum.

Conditions:

• The provided period is from 3 to 36 months with automatic extension of the contract.
• Currency: RUR/USD/Euro.
• Minimum investment 1000 rubles, 100 USD/Euro.
• Possibility of replenishment.
• Automatic increase in interest rate when the required amount is reached.
• Partial withdrawal of money is not provided.
• Pensioners are provided with the highest possible rate for the amount invested.

To open such an account you need a passport. This deposit is suitable for older people who plan to save excess funds on a regular basis. In case of early termination, interest is paid without taking into account monthly capitalization.

"Manage"

This system provides possibility of partial cashing out without loss of interest. You can also add additional money to your account. If the depositor is a pensioner, the bank provides the maximum possible interest rate. To apply for a “Manage” deposit, you must present your passport.

Conditions:

• The required amount to open is 3000 rubles, 1000 USD/euro.
• Investment period from 3 months to 3 years.
• Extension occurs without a written application from the client.
• The client can replenish and withdraw funds up to the minimum balance.
• The size of capitalization, depending on the duration of the contract and the amount, varies from 5.85% to 7.31% for national currency, 0.2% - 1.8% for American currency and 0.05% - 0.86% for European.

You can withdraw some funds using Sberbank Online or directly at an additional office. A convenient calculator allows you to calculate how much money the investor will receive at the end of the contract.

"Multi-currency"

This deposit is perfect suitable for individuals who closely monitor exchange rates and they know how to make money from it. Based on the agreement, three accounts are opened at once: ruble, dollar and euro. The bank charges interest at a specified rate on the balance of each account.

Conditions:

• Capital investment for 1 or 2 years.
• Partial withdrawal is not provided.
• Cash replenishment through the cash desk from 1000 rubles. or 100 USD/Euro, and non-cash without restrictions.
• The interest rate on the balance in rubles is 0.01% - 6.68%, in US dollars 0.01% - 1.78%, in euros 0.01% - 0.91%.
• Initial investment for opening a deposit is 5 RUR, USD, Euro.
• Prolongation occurs automatically.

The interest earned can be withdrawn or transferred to a bank card. Increased capitalization applies to pensioners.

You can change currency in person at a bank branch or through a mobile application. Sberbank Online also provides access to the multi-currency basket of this program.

Availability of a special calculator on the website allows you to independently calculate the level of income, depending on the size and duration of the investment.

"International"

This program is similar to the Multicurrency deposit, but savings are kept in more exotic currencies. The agreement provides for storage in pounds sterling, Japanese yen and Swiss francs.

Conditions:

• The rate is 0.7% - 2.7% in GBP, 0.01% - 0.75% in CHF and 0.01% - 1.3% in Japanese Yen.
• Investments from 13 months to 3 years.
• There is no possibility of partial withdrawal.
• The minimum deposit required is 10 thousand pounds sterling and Swiss francs or 1 million Japanese yen.
• Pensioners are provided with increased interest rates.

"Savings"

It is intended for everyday use of money with monthly interest accrual on the remaining amount.

Conditions:

Once you have made a deposit, you can forget about re-registration and the need to come to the bank branch every year. For this purpose, all savings programs provide automatic extension of the contract term to a similar one.

In order for the pension to be transferred to the account the client is interested in, you need to contact the Pension Fund. At the time of registration of pension contributions or after that, it is worth contacting specialists with an application to change the account number.

Wherein you must provide a complete list of documents, namely a passport, bank details, account number, pension certificate and a statement of the established form.

In this case, the money will go exactly where the investor needs it. It is important that the program provides for the possibility of deposits and partial withdrawals.

Often investments are made by people over 70 years old. They are already thinking about possible death and other unforeseen problems. For them, the bank has developed the possibility of drawing up a will for a deposit, as well as a power of attorney for the disposal and withdrawal of funds by third parties.

The power of attorney is valid for one year. To obtain it, you need to have an investor’s passport and a third party’s passport. Both people must be present in person. The operator will arrange everything himself, you just need to sign. The same goes for making a will.

In contact with

“For deposit accounts opened by pensioners, maximum rates are provided for the selected period, regardless of the deposit amount.”

Features of program selection

All programs are divided into 2 main categories: urgent (for 1 - 60 months) and “on demand”. In the second option, you have the opportunity to fill out an application at your PF branch, and all transfers from it will go to an open account. This will allow you to receive your pension through self-service devices, avoiding queues.

Time deposits attract attention with higher interest rates, relative to other programs, and allow you to choose the most favorable investment conditions:

• With or without replenishment.
• With capitalization of interest accrued on the remaining amount and at a fixed rate.
• With and without partial cashing out.
• With the ability to make a deposit online, which allows you to get more attractive interest rates.
• With and without deposit insurance. In the first case, it is proposed to issue a savings certificate.

When placing funds for 1-2 years, it is more profitable to open accounts without capitalization - they guarantee a higher interest rate. Deposits without withdrawal have attractive conditions. However, in case of early termination of the contract, the rates are minimal. Refillable accounts are convenient for accumulating funds. Below are the top 5 most profitable programs for retirement age investors.

Target deposit "Pension-plus"

The deposit takes 5th place in the ranking. The program provides the opportunity to open an account for up to 3 years. The starting deposit amount is 1 rub. Interest rates reach up to 3.5% without capitalization. However, there are other attractive aspects. For example, limited balance replenishment and partial withdrawal. Interest is calculated once every 3 months. Within the framework of the program, early cashing out of the account is possible. Then interest is calculated at the rate without capitalization.

Pension program “Replenish”

The conditions for placing capital in one of the largest banks in the Russian Federation allowed it to take 4th place in the ranking. Sberbank offers its clients an optimal contract term from 1 month to 3 years. Deposits are placed in ruble and foreign currencies. Within the framework of the program, the opportunity to replenish your account is available:

• In cash - from 1,000 rubles/100 dollars or euros.
• By bank transfer - no restrictions.

Starting amount for depositing:

• 1 thousand rub.
• 100 USD or EUR.

Rates on ruble deposits

Term and amount of deposit
100 - 400 thousand
400 - 700 thousand
2 million or more

Interest rates in dollars

Deposit term and amount
3 - 10 thousand
20 - 100 thousand
100 thousand or more

Interest rates in euros

Deposit term and amount

How are interest rates calculated?

Attractive interest conditions do not depend on the deposit amount. For users who previously opened a “Top up” account, upon retirement, they are given the opportunity to switch to more attractive conditions and prolong the contract.

Deposit "Save"

• The period for opening a deposit is 1-36 months.
• A term deposit is opened without the possibility of replenishment and partial withdrawal of funds.
• Capitalization of bets is provided.

Amount of starting capital:

• 1 t. rub.
• 100 USD or EUR.

Interest charges:

• from 6.7 to 9.071% in rub. (with capitalization).

• 0.25 to 2.219% in dollars (with capitalization).

• 0.01 to 1.169% in euros (with capitalization).

How is interest calculated?

• Interest is calculated once a month.
• Accrued rates are added to the deposit amount, providing increased income in subsequent periods.
• Interest income is available for withdrawal or transfer to a card account.

Deposit “Replenish Online”

A key feature of the deposit is the ability to register it online. A detailed algorithm of actions is presented on the Sberbank website. The program is interesting to those who count on maximum income from placing funds in a deposit account for pensioners.

Interest charges:

• 7.8 - 8.69 in rub.

• 0.9 - 2.27 in dollars

• 0.6 - 1.32 in euros.

The deposit period is designed for 3 - 36 months. The deposit is replenished, but partial withdrawal is not provided.

To participate in the program, it is enough to have starting capital in the amount of:

• 1 t. rub.
• 100 USD or EUR.

“Save Online” program

The leader of deposits excludes the possibility of replenishment or partial withdrawal. However, you can manage the interest at your discretion: withdraw it or transfer it to a card.

Interest on deposit:

• 6.50 - 9.52 in rub.

• 0.10 - 2.491 in dollars

• 0.010 - 1.433 in euros.

Contract duration: 1 - 36 months.

Minimum amount of funds placed:

• 1 t. rub.
• 100 USD or EUR.

Conditions for early account closure

For time deposits, the following conditions for early withdrawal of funds from the account apply:

If the deposit is opened for a period of up to 6 months, income is accrued at a rate of 0.01% per year; if the account is open for more than six months, the following conditions apply:

• When closing an account within 6 months. 0.01%.
• After 6 months - 2/3 of total interest income.

Interest is recalculated without taking into account capitalized funds.

Instructions for making a deposit

The service is available to registered users of the Sberbank Online system. The whole process consists of going to the start page of the service and opening the “Deposits and Accounts” tab. Next, you need to select the “Opening a deposit” category and review the conditions for placing savings. If the choice is made, all you have to do is click the “Continue” button. An online application form will appear on the screen, indicating the account to be debited, the amount credited and the deposit period. After checking the details, the “Open” button is activated.

We make a deposit offline

To open an account, you must contact the bank branch with your passport and sign an agreement on opening a deposit. A branch employee will explain all the nuances of the program and offer to credit funds to the account.

If you have any difficulties in choosing deposits, the right solution would be to contact a bank branch or customer support service (8 800 5555550).

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* Attention! The information article may have outdated or incomplete information. Current information can be posted on the official website of Sberbank PJSC sberbank.ru