Calculator Sberbank deposits of individuals interest. Deposit “The Most Valuable” of Sberbank

It is quite possible that there is no need to take out a loan. But there is a desire to save existing funds. This opportunity can be obtained by opening a deposit with Sberbank - this will not only save money, but also turn it into a source of income.

The bank offers potential depositors a large number of options for increasing funds; there is a whole line of deposits. For every amount available to a Sberbank client, there is a profitable and convenient placement. In addition, money placed at interest is protected from inflation, and, consequently, from depreciation. You can choose deposits with a rate that will not only save the amount, but also provide the investor with the opportunity to enjoy interest and receive a stable income, or receive an amount exceeding the invested amount upon expiration of the contract.

Specify contribution parameters

Deposit calculation result

If you approach the issue seriously, it is worth studying inflation forecasts for the current and coming years, and then move on to considering deposits whose tariff rate is equal to or higher than the percentage of expected inflation.

The easiest payment option is to deposit money into the account once, without replenishment and capitalization of charges. That is, the money is placed in Sberbank, and after the deposit period expires, the depositor is given the amount with interest. Here the final amount is easily predictable and does not require complex calculation formulas.

However, a more complex option, involving additional deposits (regular or periodic) and capitalization, requires a complex algorithm for calculating profits, and in this case a calculator will be a must.

By selecting a number of suitable deposits using a deposit calculator, you can calculate several options for possible placement of money.

The Sberbank deposit calculator provides all possible parameters and nuances on which the final result depends. The currency in which the deposit will be made, the term of the deposit, the amount of deposits made, the presence or absence of interest payments are indicated - all this will allow you to get a picture of possible income that is close to reality.

After filling out the proposed form, the results can be printed, and then, after calculating several options, they can be compared and the most suitable one selected. You should also note that deposits with high interest rates may be subject to taxation, so although the figures may be tempting, they may not be as profitable. Therefore, when choosing a deposit, it may be better to choose a deposit with a moderate, average interest rate.

Increasingly, people are trying to trust their savings to financial institutions - banks. This method of storing savings is the most optimal, since it allows you not only to protect your finances from outside interference, but also to receive interest on the use of funds.

When choosing a bank, you should pay attention first of all to the duration of the bank’s operation, customer reviews, as well as the level of creditworthiness and profitability of the work. One of the largest banks today is one that provides its clients with a wide range of different types.

Especially for those who want to make an approximate calculation of possible income, a program was created - a deposit calculator. Of course, the system cannot guarantee a 100% correct calculation of the deposit in Sberbank - it is best to contact the bank’s specialists for a more accurate calculation. The Sberbank deposit calculator will allow you to calculate the amount of possible profit in just a few mouse clicks. For any of the requests (Sberbank, deposits for individuals, calculator), you can find an acceptable option for placing funds and calculate profits.

There are a large number of different types of deposits, differing in the amount of the minimum initial deposit, the amount of interest, the method of handling interest (accumulation or capitalization), placement period, deposit currency, and others.

The calculator calculates according to several parameters: the minimum amount and placement period, deposit currency, after which with the click of one button it will be possible to make the necessary calculation. Sberbank deposits for individuals calculator will calculate the return on the deposit. You should be careful when choosing a bank and concluding an agreement, so as not to subsequently lose your savings.

14 Oct

“The Most Valuable” Contribution

This year Sberbank celebrates its anniversary. The bank is celebrating its 175th anniversary. In honor of this event, Sberbank gives its clients gifts in the form of a new "The Most Valuable" deposit with higher interest rates and free life insurance.

Let's take a closer look at the new contribution.

Deposit opening period

The deposit is seasonal and the timing of its opening is limited to a certain time. You can open this deposit with October 11 By November 30, 2016. After this period has expired, opening will no longer be possible.

Terms of deposit

The deposit period is fixed and is 175 days;
Monetary currency – rubles;
Deposit replenishment is not allowed;
Partial withdrawal of money from the deposit is not allowed;
The minimum deposit amount is 25 thousand rubles;

Interest rate

The interest rate on a new deposit depends on the deposit amount. The larger the deposit amount, the higher the interest rates.

from 25,000 to 500,000 rubles – 7.25% per annum
from 500,000 to 1,000,000 – 7.5% per annum
from 1,000,000 – 8% per annum

Interest accrual

Interest accrues after 175 days and can be withdrawn or transferred to another bank account or card.

Termination of deposit

You can always terminate any deposit early before its expiration date. However, you should know that if you terminate the deposit ahead of schedule, you will be charged interest at the deposit rate “,” which is 0.01% per annum.

Automatic renewal

After the expiration of the deposit, the bank will automatically renew the agreement for the same period according to the terms of the deposit. Most valuable", but at an interest rate 0,01% by deposit " On demand from Sberbank of Russia" The number of renewals is unlimited.

Where can I open a deposit?

You can open a deposit in several ways:

1) In the near future Sberbank branch

Contact a bank employee with identification documents;
Draw up and sign a deposit agreement;
Deposit the specified amount into the deposit account.

Log in to your personal account;
Go to the “Deposits and Accounts” section;
Click on the “Open a deposit” link;
Select the “Most valuable” deposit;
Read the terms of the deposit and accept their terms;
Fill out the application with all the necessary information;
Click on the "Open" button.

3) At ATMs and self-service terminals

4) In the Sberbank Online mobile application

Insurance as a gift

All clients who opened a deposit during the promotion period with October 11 By November 30, 2016 The bank provides life insurance under the “Protected Depositor” program.

This program includes life insurance against accidents with a maximum compensation of 100,000 rubles. The insurance is valid for 175 days from the date of conclusion of the contract.

To conclude an insurance agreement you need to open a deposit " Most valuable" and fill out the data on a special page: sberbank175.ru

Having filled in all the required fields, you must click “ Activate insurance" After which the insurance begins to operate in full.

Sberbank deposits for individuals today remain attractive, although they do not have the most favorable interest rates in 2019: compare the updated conditions for opening deposits in rubles and foreign currency, online and in the branch.

Updated Sberbank deposit rates for today

In 2019, Sberbank updated interest rates on deposits of individuals. Today deposits are not as profitable as in many other banks. But when choosing a bank to invest funds, individuals often prefer Sberbank, as the most reliable. In addition, Sberbank deposits for individuals are insured by the state. This means that if the bank loses its license, which is unlikely, you will be returned an amount of no more than 1.4 million rubles, including interest. Read more about deposit insurance

The line of deposits for individuals at Sberbank is simple and clear:

– “Save”, “Save online” and “Special Save”,
– “Top Up”, “Top Up Online” and “Special Top Up”,
with replenishment and partial withdrawal of money without loss of interest - “Manage”, “Manage online” and “Special Manage”.

Sberbank deposits for individuals today can be opened in Russian rubles and foreign currency (US dollars). It is possible to make deposits in the branch and online via the Internet. In addition to deposits from the basic line, Sberbank several times a year offers seasonal deposits with higher interest rates or more favorable processing conditions. Today, for example, money is being raised for the “” deposit.

For clients of retirement age - for deposits “Save”, “Replenish”, “Save Online”, “Replenish Online”, the maximum interest rate is set for the selected period, regardless of the deposit amount. See the conditions and interest rates of Sberbank deposits

Deposits in Sberbank today: interest and conditions

Let's compare interest rates and conditions for opening deposits for individuals in Sberbank today - in 2019.

New Sberbank deposit “Red Carnation”

This is a seasonal offer from Sberbank for Victory Day on May 9. The deposit is opened for an amount of 10,000 rubles and a period from 6 to 18 months. Replenishment and partial withdrawal of money without loss of interest is not provided.

Since the “Red Carnation” deposit is dedicated to Victory Day, it is charitable. For every full 1,000 rubles of interest accrued to the client, Sberbank will transfer 1 ruble as a donation to the Memory of Generations charitable foundation.

Conditions

Duration: 6 – 18 months;
Amount: from 10,000 rubles;
Replenishment: not provided
Partial withdrawal: not allowed.
Interest accrual: at the end of the term

Interest rates

	9 - 12 months	12 - 18 months

Sberbank deposits “Save”: interest and conditions

Deposit for individuals to reliably preserve savings and receive a guaranteed stable income. Without the possibility of replenishment and partial withdrawal without loss of profitability. Opens in the branch.

Terms of deposit

Replenishment: not available;

Conditions for calculating interest

Interest rates

In Russian rubles

In US dollars

Sberbank deposits “Save Online”: favorable interest rates

Online deposit for reliably saving savings and receiving a guaranteed stable income. The rate is higher than when opening in a branch.

Terms of deposit

Duration: from 1 month to 3 years inclusive;
Minimum amount: 1,000 rubles / 100 US dollars.
Replenishment: not available;
Partial withdrawal without loss of interest: not available.

Conditions for calculating interest

Interest is calculated monthly.
The accrued interest is added to the deposit amount, increasing income in subsequent periods (capitalization).
The accrued interest can be withdrawn or transferred to the card account.

Interest rates

in dollars

**Deposit rate taking into account interest capitalization

Sberbank temporarily does not open new deposits in euros, and offers to use a Savings account in euros at a rate of 0.01% per annum.

Sberbank deposits “Special Save”: increased interest

Deposit for individuals to reliably preserve savings and receive a guaranteed stable income. The deposit is available for registration only for clients with a valid Sberbank Premier / Sberbank First service package.

Terms of deposit

Duration: from 1 month to 3 years inclusive;
Replenishment: not available;
Partial withdrawal without loss of interest: not available.

Conditions for calculating interest

Interest is calculated monthly.
The accrued interest is added to the deposit amount, increasing income in subsequent periods (capitalization).
The accrued interest can be withdrawn or transferred to the card account.

Interest rates

up to 5.70% per annum in Russian rubles;

up to 2.70% per annum in US dollars.

Sberbank temporarily does not open new deposits in euros, and offers to use a Savings account in euros at a rate of 0.01% per annum.

Sberbank deposits “Replenish”: interest and conditions

A replenishable deposit for those who prefer to save and regularly deposit funds in a reliable bank. Opens in the branch.

Terms of deposit

Minimum amount: 1,000 rubles / 100 US dollars.
Partial withdrawal without loss of interest: not available.

Conditions for calculating interest

Interest is calculated monthly.
The accrued interest is added to the deposit amount, increasing income in subsequent periods (capitalization).
The accrued interest can be withdrawn or transferred to the card account.

Interest rates

in Russian rubles

in US dollars

** Deposit rate taking into account interest capitalization.

Sberbank temporarily does not open new deposits in euros, and offers to use a Savings account in euros at a rate of 0.01% per annum.

Sberbank deposits “Replenish Online”: favorable interest rates

A replenishable deposit for those who prefer to save and regularly deposit their funds using the convenient and reliable Sberbank Internet bank. The rate is higher than when opening a similar deposit in a branch.

Terms of deposit

Duration: from 3 months to 3 years inclusive;
Minimum amount: 1,000 rubles / 100 US dollars.
Replenishment: cash - from 1,000 rubles / 100 US dollars. Non-cash - unlimited;
Partial withdrawal without loss of interest: not available.
Increase in interest rate: automatically when the next amount gradation is reached.

Conditions for calculating interest

Interest is calculated monthly.
The accrued interest is added to the deposit amount, increasing income in subsequent periods (capitalization).
The accrued interest can be withdrawn or transferred to the card account.

Interest rates

in Russian rubles

in US dollars

** Deposit rate taking into account interest capitalization.

Sberbank temporarily does not open new deposits in euros, and offers to use a Savings account in euros at a rate of 0.01% per annum.

Sberbank deposits “Special Top Up”: increased rates

A replenishable deposit for those who prefer to save and regularly set aside their funds. Available for registration only for clients with a valid Sberbank Premier/Sberbank First service package. Opens in the department and remotely.

Terms of deposit

Duration: from 3 months to 3 years inclusive;
Minimum amount: 1 million rubles / 50,000 US dollars.
Replenishment: cash - from 1,000 rubles / 100 US dollars. Non-cash - unlimited;
Partial withdrawal without loss of interest: not available.

Conditions for calculating interest

Interest is calculated monthly.
The accrued interest is added to the deposit amount, increasing income in subsequent periods (capitalization).
The accrued interest can be withdrawn or transferred to the card account.

Interest rates

> up to 5.15% per annum in Russian rubles;

> up to 2.30% per annum in US dollars.

Sberbank temporarily does not open new deposits in euros, and offers to use a Savings account in euros at a rate of 0.01% per annum.

Sberbank deposits “Manage”: interest and conditions

A deposit for secure storage of your savings with the ability to withdraw part of the funds before the expiration of the deposit without loss of interest. Refillable. Opens in the branch.

Terms of deposit

Duration: from 3 months to 3 years inclusive;
Replenishment: cash - from 1,000 rubles / 100 US dollars. Non-cash - unlimited;

Conditions for calculating interest

The accrued interest can be withdrawn or transferred to the card account.

Interest rates

in Russian rubles

in US dollars

** Deposit rate taking into account interest capitalization.

Sberbank temporarily does not open new deposits in euros, and offers to use a Savings account in euros at a rate of 0.01% per annum.

Sberbank deposits “Manage Online”: high interest rates

Online deposit for free money management with the ability to use part of the funds without losing interest. Refillable. Opens via the Internet, the rate is higher than when registering in a branch.

Terms of deposit

Duration: from 3 months to 3 years inclusive;
Minimum amount: 30,000 rubles / 1000 US dollars.
Replenishment: cash - from 1,000 rubles / 100 US dollars. Non-cash - unlimited;
Partial withdrawal without loss of interest: up to the minimum minimum balance without loss of accrued interest.
Increase in interest rate: when the deposit amount is increased to the next gradation and when an additional agreement is concluded to increase the amount of the minimum balance.

Conditions for calculating interest

Interest is accrued monthly on the entire deposit amount (the interest rate depends on the amount of the minimum balance).
The accrued interest can be withdrawn or transferred to the card account.
The accrued interest is added to the deposit amount, increasing income in subsequent periods.

Interest rates

in Russian rubles

in US dollars

** Deposit rate taking into account interest capitalization.

Sberbank temporarily does not open new deposits in euros, and offers to use a Savings account in euros at a rate of 0.01% per annum.

Sberbank deposits “Special Manage”: increased rates

A deposit with the ability to replenish and withdraw part of the funds without losing interest. Available for registration only for clients with a valid Sberbank Premier/Sberbank First service package. Opens in the department and remotely.

Terms of deposit

Duration: from 3 months to 3 years inclusive;
Minimum amount: 1 million rubles / 50,000 US dollars.
Replenishment: cash - from 1,000 rubles / 100 US dollars. Non-cash - unlimited;
Partial withdrawal without loss of interest: up to the minimum minimum balance without loss of accrued interest.

Conditions for calculating interest

Interest is accrued monthly on the entire deposit amount (the interest rate depends on the amount of the minimum balance).
The accrued interest can be withdrawn or transferred to the card account.
The accrued interest is added to the deposit amount, increasing income in subsequent periods.

Interest rates

> up to 4.85% per annum in Russian rubles;

> up to 2.20% per annum in US dollars.

Sberbank temporarily does not open new deposits in euros, and offers to use a Savings account in euros at a rate of 0.01% per annum.

Sberbank deposits “Give life”: conditions and rates

Contribution to help 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. Opens in the branch.

Terms of deposit

Duration: 1 year;
Minimum amount: 10,000 rubles.
Replenishment: not provided;
Partial withdrawal without loss of interest: not provided.

Conditions for calculating interest

Interest is calculated every 3 months;
In case of early termination of the deposit, interest is recalculated without taking into account the capitalization of interest.

Interest rates

> 5.05% per annum (5.15% per annum with capitalization).

Sberbank savings account

Sberbank deposits for individuals are not the only opportunity to invest in this bank. There is also a Savings Account for free management of money on a daily basis with deposits and withdrawals. The interest rate increases automatically when the next amount gradation is reached. In any unforeseen situation, if you need money before the end of the deposit, you can always get it.

Conditions

Account term: unlimited;
Account currency: Russian Rubles / US Dollars / Euro;
Minimum account amount: unlimited;
Replenishment: unlimited;
Partial withdrawal: unlimited.

Conditions for calculating interest

Over the 150 years of its existence, Sberbank of Russia has won the unshakable trust of the population. Today, the financial institution is a leader among its competitors in many respects. One of them is a package of services for deposits. Let's figure out what exactly the bank offers depositors, how favorable the interest rates are and what is needed to open a deposit.

Current interest rates on deposits in Sberbank for 2018

Name of contribution	Max. % bid	Deposit term	Min. sum	Replenishment	Frequently withdrawal
“Gift of Life” contribution	5,00 %	1 year	from 10,000 rub.	–	–
Deposit “Top up”	4,50 %	from 3 months up to 3 years.	from 1000 rub.	+	–
Deposit “Replenish Online”	5,00 %	from 3 months up to 3 years.	from 1000 rub.	+	–
“Save” deposit	5,00 %	from 1 month up to 3 years.	from 1000 rub.	–	–
Deposit “Save Online”	5,50 %	from 1 month up to 3 years.	from 1000 rub.	–	–
“Manage” deposit	4,20 %	from 3 months up to 3 years.	from 30,000 rub.	+	+
Deposit "Manage Online"	4,70 %	from 3 months up to 3 years.	from 30,000 rub.	+	+
savings account	2,30 %	Indefinitely	-	–	–

More detailed and most accurate information on deposits can be found on the official website of Sberbank at the link: www.sberbank.ru/ru/person/contributions/deposits

“Term deposits” of Sberbank: names and conditions

For depositors, Sberbank has developed a simplified program that includes three basic products: “Save”, “Manage” and “Replenish”, which, in turn, provide additional solutions and special offers for different categories of the population. Interest on the deposit is calculated based on the invested amount, currency and term chosen by the client. The “Term Deposits” package is available to both large businessmen and average pensioners.

"Save"

Deposit terms:

Interest rate at the bank office - 3,65%-4,50% for ruble deposits, 0,05%-0,95% - for dollar deposits;
Interest rate when opening online - 3,9%-4,75% for ruble deposits, 0,1%-1,35% for dollar deposits.

Deposit currency:Russian ruble, dollar USA;
Minimum deposit amount: 1,000 rubles, 100 dollars.
Deposit term:1 month - 3 years inclusive.

Replenishment:not provided
Partial withdrawal:not provided.

The deposit period for each specific case is calculated individually, accurate to the day.

"Replenish"

Deposit terms:

Interest rate at the bank office - 3,6%-4,05% for ruble deposits, 0,05%-0,95% - for dollar deposits;
Interest rate when opening online - 3,85%-4,3% for ruble deposits, 0,25%-1,15% for dollar deposits.

Deposit currency:Russian ruble, dollar USA;
Minimum deposit amount: 1,000 rubles, 100 dollars.
Deposit term:3 months - 3 years inclusive.

Replenishment:
- cash:
- non-cash:Not limited.
Partial withdrawal:not provided.

You can also open a “Top up” deposit in the name of a child, who will be able to access it only upon reaching the age of majority: from the age of 14 he can replenish the account himself, and from the age of 18 he can completely manage it.

Did you know? In recent years, Sberbank has increased lending volumes to 70%, while its competitors have this figure at 21%.

"Manage"

Deposit terms:

Interest rate at the bank office - 2,9%-3,75% for ruble deposits, 0,01%-0,6% - for dollar deposits;
Interest rate when opening online - 3,15%-4,0% for ruble deposits, 0,15%-0,8% for dollar deposits.

Deposit currency:Russian ruble, dollar USA;
Minimum deposit amount: 30,000 rubles, 1,000 dollars.
Deposit term:3 months - 3 years inclusive.

Replenishment:
- cash: from 1,000 rubles or 100 dollars;
- non-cash:Not limited.
Partial withdrawal:dO

"Gift a life"

Deposit terms:

Interest rate -4,55% .

Deposit currency:Russian ruble;
Minimum deposit amount: 10,000 rubles.
Deposit term -1 year.

Replenishment:not provided
Partial withdrawal:not provided

The contribution was created to help children with oncological, hematological and other serious diseases.

Sberbank transfers 0.3% per annum of the deposit amount to the Gift of Life charitable foundation every 3 months.

"Onlike"

Deposit terms:

Interest rate:
- 6,5% - for 1 year;
- 6,7% - for 2 years.

Deposit currency:Russian ruble
Minimum deposit amount: 10,000 rubles;
Deposit term: 1-2 years

Replenishment: not provided
Partial removal:not provided

"Significant benefit"

Deposit terms:

Interest rate:1.5%-3.0% per annum

Deposit currency:U.S. dollar
Minimum deposit amount: $10,000;
Deposit term: 6 months, 1,2,3 years

Replenishment: not provided
Partial removal:not provided

"Social"

Deposit terms:

Interest rate -3.75% per annum.

Deposit currency:Russian ruble;
Minimum deposit amount: 1 ruble.
Deposit term -3 years.

Replenishment:not limited
Partial withdrawal:dOminimum balance level without loss of accrued interest

The contribution is a special offer for children left without parental care and veterans/disabled people of the Great Patriotic War. It can only be opened in a Sberbank branch in the name of an orphan by his legal representative upon presentation of an act of the guardianship and trusteeship authority establishing guardianship/trusteeship over the child/placement of the child in a specialized social institution, as well as by a veteran or disabled person of the Great Patriotic War upon presentation of a certificate of a veteran of the Great Patriotic War /disabled person's certificate of the Great Patriotic War.

"Pension-plus of Sberbank of Russia"

Deposit terms:

Interest rate -3,5% .

Deposit currency:Russian ruble;
Minimum deposit amount: 1 ruble.
Deposit term -3 years.

Replenishment:not limited
Partial withdrawal:dOminimum balance level without loss of accrued interest

This deposit was created for crediting pensions, social benefits and other payments.

Conditions for registration of permanent deposits, category “deposits for settlements”

For daily use and regular payments, Sberbank of Russia offers its clients special offers: deposits for settlements.

"On demand of Sberbank of Russia"

Deposit terms:

Interest rate -0.01% for all currencies

Deposit currency: Rubles / US dollars / Euros / Pounds sterling / Swiss francs / Swedish kronor / Singapore dollars / Norwegian kroner / Danish kroner / Canadian dollars / Australian dollars / Japanese yen;
Minimum deposit amount:.
Deposit term:indefinitely.

Replenishment:not limited
Partial withdrawal:dOminimum balance level without loss of accrued interest

In force majeure circumstances, when the need arises to withdraw all invested money, you have the right to terminate the agreement with the bank early and withdraw your deposit. In this case, income will be accrued taking into account the actual period of storage of money in the account and the established interest rate. If it has changed since the opening of the deposit, each of its values will be taken into account. If you keep your savings for a long time, you can issue a power of attorney or make a will.

"Savings account"

Deposit terms:

Interest rate:
- 1,0%-1,8% - ruble deposits;
- 0,01% - for deposits in foreign currency.

Deposit currency:Russian ruble, dollar USA, Euro;
Minimum deposit amount: not limited.
Deposit term:indefinitely.

Replenishment:not limited
Partial withdrawal:not limited.

Deposit "Universal of Sberbank of Russia"

Deposit terms:

Interest rate -0.01% for all currencies

Deposit currency: Rubles / US dollars / Euros / Pounds sterling / Swiss francs / Swedish kronor / Singapore dollars / Norwegian kroner / Danish kroner / Canadian dollars / Australian dollars / Japanese yen;
Minimum deposit amount:10 rubles / 5 US dollars / amount equivalent to 5 US dollars in other currencies
Termcontribution:indefinitely.

Replenishment:not limited
Partial withdrawal:dOminimum balance level without loss of accrued interest

This deposit can not be opened in all Sberbank branches. You can find a list of branches where this is available by following the link.

Important! To make a deposit, you need to come to Sberbank with a passport or pension certificate, sign an agreement and put money on deposit.

“Nominal account for crediting social benefits”

Deposit terms:

Interest rate -3,67% .

Deposit currency:Russian ruble;
Minimum deposit amount: 0 rub.
Deposit term -unlimited.

Replenishment:alimony, pensions, benefits
Partial withdrawal:dOminimum balance level without loss of accrued interest

A nominal account for crediting social payments is opened in Sberbank branches for parents/guardians/trustees for crediting funds of a social nature specified in Article 37 of the Civil Code of the Russian Federation: amounts of alimony, pensions, benefits, compensation for harm to health and damage incurred in the event of the death of the breadwinner, as well as others funds paid to them for the maintenance of minors/incapacitated/partially capable citizens who are beneficiaries of a nominal account. To open it, the Parent only needs to present his identification document and the birth certificate of a child under 14 years of age, or the birth certificate and passport of a child aged 14 to 18 years, and no permission from the guardianship and trusteeship authorities is required to be provided to the Bank. . To open a Nominal Account, the Guardian/Trustee presents his/her identification document, the birth certificate of a child under 14 years of age or the passport of a child aged 14 to 18 years or an incapacitated/partially capable citizen, an act of the guardianship and trusteeship authority on the appointment of a guardian (trustee) ), confirming the authority of the owner of the Nominal Account to manage the funds of the ward

This project covers the needs of parents, guardians, incapacitated or partially capable people, as well as trustees to whom the state pays funds for the maintenance of minor children. Bank deposits are possible only in Russian rubles to a nominal account intended for social payments. The depositor decides how much money to deposit. To withdraw funds, you do not need prior permission from the guardianship and trusteeship authorities.

The account may exist for an unlimited time with the possibility of partial use. Moreover, the bank does not put forward any conditions regarding the minimum balance. Replenishment of a nominal account excludes incoming transactions, except for crediting social payments and transfers from another similar account, the beneficiary of which is the same person.

Interest is calculated every 3 months. If you want to close the account and terminate the agreement with the bank, interest will be accrued on the actual storage of the money, taking into account the rate agreed upon when opening the deposit. All changes in interest rate values will also be taken into account.

General terms and conditions of deposits

All deposits differ in interest rate, term, minimum amount and different conditions for replenishment and withdrawal. But they also have the same points in their provision:

Conditions for calculating interest

Interest is calculated monthly;
The accrued interest is added to the deposit amount, thereby increasing income in the next month;
The accrued interest can be withdrawn or transferred to the card account.

The interest rate increases when the deposit amount reaches the next gradation. For example, if you opened a “Top up” deposit in the amount of 100,000 rubles, and subsequently its amount reached 400,000 rubles, then the interest rate from 3.8% will increase to 3.94%.

Conditions for early termination

If you need money before the end of the deposit, you can always get it, regardless of the reason for this;
If the deposit was opened for a period of less than 6 months inclusive, the deposit amount will be recalculated and returned based on an interest rate of 0.01% per annum;
If the deposit was opened for a period of more than 6 months:
- if the deposit is claimed within the first six months - recalculation at a rate of 0.01%;
- when withdrawing a deposit after the sixth month - based on 2/3 of the interest rate established by Sberbank at the time of opening the deposit.

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

Prolongation conditions

The number of extensions is not limited;
Automatic extension occurs under the same conditions and at the same interest rate that are in effect on the renewal date.

Conditions for pensioners

Sberbank has developed special conditions for pensioners opening “Replenish” or “Save” deposits:

Opening of deposits on special terms for pensioners is carried out for women over 55 years of age and for men over 60 years of age;
Deposits for pensioners are opened with the maximum interest rate for the selected period, regardless of the deposit amount;
If the deposit was opened before reaching retirement age, then upon reaching it, the rates automatically become maximum;
There is no maximum amount limit;
When claiming deposits after 6 months of the main/extended term, for which the balance exceeds the Maximum amount, a reduction factor of ½ is applied to the difference between the actual balance and the Maximum amount in addition to the coefficient of 2/3. These coefficients are applied to the rate in force on the deposit on the opening/extension date.

Did you know? The rights of the main shareholder and founder of Sberbank are assigned to the Central Bank of the Russian Federation, which owns 50% + 1 voting share.

We invite you to read the detailed instructions on how to open a deposit in the Sberbank Online system in the document attached below.