Sberbank of Russia deposits for individuals today remain attractive, although in 2020 they do not have the most favorable interest rates. Compare the updated conditions for opening deposits in rubles and foreign currency, online and in the branch.

Updated deposit rates of Sberbank of Russia for today

In 2020, 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:

1. – “Save” and “Special Save”,
2. – “Replenish” and “Special Replenish”,
3. with replenishment and partial withdrawal of money without loss of interest - “Manage” 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.

For clients of retirement age – for “Save” and “Replenish” deposits, 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 2020.

Sberbank deposit “Catch the Spring”: conditions and rates

This is a new holiday deposit that can only be taken out from 19 February to 14 March 2020. It is timed to coincide with holidays and has an increased interest rate.

Conditions

• Duration: 5 months;
• Minimum amount: 50,000 rubles.
• Replenishment: no;
• Partial withdrawal without loss of interest: no.

Conditions for calculating interest

• Interest is calculated at the end of the term;
• In case of early termination, interest is paid at a rate of 0.01%.

Interest rate

5% per annum in rubles.

Sberbank deposit “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 branches, online and at ATMs.

Conditions

• Duration: from 1 month to 3 years inclusive;
• Minimum amount: 1,000 rubles / 100 US dollars.
• Replenishment: no;

Conditions for calculating interest

Interest rates

Without capitalization

Taking into account capitalization

In Russian rubles

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 deposit “Replenish”: interest and conditions

A replenishable deposit for those who prefer to save and regularly deposit funds in a reliable bank. Opens in branches, online and at ATMs.

Conditions

• Duration: from 3 months to 3 years;
• Minimum amount: 1,000 rubles / 100 dollars.
• Partial withdrawal without loss of interest: no.
• 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

Without capitalization

Taking into account capitalization

In Russian rubles

in US dollars

Sberbank deposit “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 branches, online and at ATMs.

Conditions

• Duration: from 3 months to 3 years;
• Minimum amount: 30,000 rubles / 1,000 dollars.
• Replenishment: yes. Cash - from 1,000 rubles / 100 dollars. Non-cash - unlimited;
• Partial withdrawal without loss of interest: yes. Up to the level of 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

Sberbank deposit “Gift of Life”: conditions and rates

Deposit 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.

Conditions

• Duration: 1 year;
• Minimum amount: 10,000 rubles.
• Replenishment: no;
• Partial withdrawal without loss of interest: no.

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

4.58% per annum with capitalization (4.5% per annum without capitalization)

Deposit "Pension-plus of Sberbank of Russia"

This is a special deposit for receiving 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.

Conditions

• Duration: 3 years;
• Minimum amount: 1 ruble;
• Replenishment: unlimited;
• Interest accrual: every 3 months. The accrued interest is added to the deposit amount, increasing income in the following periods;
• Early termination: when the deposit is withdrawn, the rate established on the date of opening (prolongation) of the deposit does not change.

Interest rate

3.67% per annum with capitalization (3.50% per annum without capitalization).

Sberbank deposit “Social”: conditions and rates

This is a special deposit into which social payments to orphans and war veterans are credited.

Conditions

• Duration: 3 years;
• Minimum amount: 1 ruble;
• Replenishment: unlimited;
• Partial withdrawal without loss of interest: up to the level of the minimum balance;

Conditions for calculating interest

• Interest is calculated quarterly.
• The accrued interest is added to the deposit amount.
• The accrued interest can be withdrawn.

Interest rate

Sberbank has changed rates on deposits of individuals downwards. The management of this largest bank in Russia explained that in this way the bank follows the general trend of lowering interest rates that has emerged in the country. So how much high rates on deposits in Sberbank today in Moscow, St. Petersburg and other cities of Russia, is it really profitable to place money at interest in this bank now? Let's figure it out together.

Sberbank's line of deposits today includes several deposits for different types of money management. There is a deposit for those who are ready to deposit funds for several years and not touch them in the hope of receiving the maximum interest. And there are deposits for those who need to withdraw some money from time to time or replenish their deposit. The rates for deposits with and without replenishment, respectively, are different.

At Sberbank today you can only open deposits in rubles and US dollars. The Bank temporarily does not open new deposits in euros, offering to use a Savings account in euros at a rate of 0.01% per annum.

Interest on deposits in Sberbank today – in 2020

1 Deposit "Save"- not replenished and without partial withdrawal. Deposit term: from 1 month to 3 years inclusive.

The rates on this deposit today are (% per annum):

From 2.7 to 4.5% in Russian rubles;
from 0.01 to 0.85% in US dollars.

2 Deposit “Top up”- replenished, but without partial withdrawal. Deposit term: from 3 months to 3 years inclusive.

The rates on this deposit today are (% per annum):

From 3.10 to 4.19% in Russian rubles;
from 0.01 to 0.50% in US dollars.

3 Deposit "Manage"- replenishable and with partial withdrawal. Deposit term: from 3 months to 3 years inclusive.

Rates today are (% per annum):

From 2.45 to 3.83% in Russian rubles;
from 0.01 to 0.30% in US dollars.

Sberbank holiday promotional deposit 2020

Deposit “Catch the Spring”

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

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

Sberbank’s line of basic deposits today includes other deposits, for example:

☑ charitable deposit “Gift of Life” for a period of 1 year with an interest rate of 4.58% with capitalization in rubles,

☑ “Pension plus” for 3 years at 3.67%.

See the full list of Sberbank individual deposits with interest rates and conditions on this page >>

The most profitable Sberbank deposit today - conclusions

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.

This means that in order to get the maximum interest, you no longer have to make a deposit at Sberbank Online or an ATM. You can also open it at a bank branch.

How to choose the best offer? To do this, let’s calculate how much income you can get if you make each deposit for a period of 1 year and invest, for example, 400,000 rubles. To do this, use the Sberbank deposit calculator.

So, if you invest 400,000 rubles for 1 year, then the income will be as follows:

So, a simple calculation showed that with such a ratio of amount and term The most profitable deposit in Sberbank today is the “Gift of Life” deposit.

But with a term of 5 months, the “Catch the Spring” deposit has the most attractive rate of 5% per annum

If you plan to invest money for other periods, then the “Save” deposit will give the greatest income.

But this does not take into account those deposits that are available only to clients with Premium service packages.

See also:

Sberbank deposits for pensioners: increased interest >>

How to apply for the most profitable Sberbank deposit

You can open a deposit in several ways:

1. In the Internet bank Sberbank Online.
Log in to Sberbank Online → Deposits and accounts → Opening a deposit → Select a deposit and specify the conditions → Confirm → The deposit is open!

2. In the Sberbank Online mobile application.
Log in to the application → Deposits and accounts → Select a deposit and specify the conditions → Confirm → The deposit is open!

3. At the ATM.
Insert the card and enter the PIN code → “Cards, deposits and loans” → “+New product” → Open deposit.

4. At a bank branch.
You can also make an online deposit in the office! To do this, you need to use a public computer, if your bank branch has one. To do this, log into Sberbank Online and follow the instructions. By the way, bank employees can help you.

Question answer

Are Sberbank deposits insured?

Yes. 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.

Is it possible to withdraw interest and in what way?

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

Is it possible to open several deposits at once?

Can. The client can make any number of deposits.

In unstable economic times in our country, few people dare to make bank deposits. However, if you are going to make a deposit, then only in a reliable, stable bank, which was practically not affected by crisis times. This is exactly what Sberbank is, serving a third of the country’s banking system.

If you open a deposit, then only in Sberbank. Russians think so and trust the bank with funds. Let's consider the entire line of Sberbank of Russia deposits in 2020 with interest rates for today.

Problems in the economy did not shake Sberbank and bank deposits remained profitable. New offers have appeared, with new conditions and rates.

The previously popular line of Sberbank deposits for individuals in 2020 “Save online”, “Replenish online”, “Manage online” “gave up” a little in percentage, but not everywhere. Rates on some types of deposits are lower on average by 0.5–1%, but there is an increase of 0.15–1.8%, especially for foreign currency investments. Rates on deposits opened online or in a bank office have become different. If you open a deposit online via the Internet on the official website of Sberbank, then your rate will be on average 0.15% higher than if you open a deposit with the same name, but in the bank’s office. Sberbank, therefore, encourages its future and current clients to move to the Internet.

It is worth noting that the conditions for deposits for pensioners have become more interesting. In 2020, Sberbank increased rates on savings deposits and pension accounts.

Time deposits of Sberbank in 2020

Today Sberbank offers six types of time deposits.

"Save"

This deposit in Sberbank promises reliable preservation and replenishment of your savings. The interest rate on the deposit varies from 4.05 to 5.75% per annum if the deposit is in rubles, from 0.01 to 1.85% in US dollars.

Deposit term from 1 month to 3 years. It is not possible to replenish the deposit or partially withdraw funds during the initially stated period. Minimum deposit amounts: 1,000 rubles, 100 dollars or 100 euros.

Interest on the deposit is accrued every month and is automatically added to the deposit amount, so that next month they are already accrued for the increased amount. Accrued interest on the deposit can be cashed out or transferred to a Sberbank bank card account.

"Replenish"

The interest rate on this deposit ranges from 4.6 to 5.3% per annum for deposits in rubles. For dollars and euros - from 0.01 to 1.45% per annum. You can invest funds for a period from 3 months to 3 years inclusive. The deposit remains replenished. However, you cannot reduce the amount initially invested or replenished. You can easily withdraw interest on your deposit and transfer it to your card. Minimum amount: 1,000 rubles, 100 dollars or 100 euros.

“Top up” in the child’s name

Sberbank gives parents the opportunity to open a personal deposit for a minor child, which can be closed only upon reaching 18 years of age. The minimum amount for placement is 1000 rubles or 100 dollars, and the rate will be 4.6–5.15% for ruble deposits and 0.01–1.15% for dollar deposits. The account can be replenished by any person without restrictions, but savings are cashed out only upon reaching the age threshold or through permission from the guardianship authorities.

"Manage"

A special feature of this deposit is the possibility of partial withdrawal of funds during the deposit process, without closing or losing interest. Deposit interest rates are 4.3–5% for deposits in rubles, depending on the deposit amount. The interest rate for dollars is from 0.01 to 1.35% per annum. The deposit period is from 3 months to 3 years. The deposit can be replenished and partially withdrawn. You can control the movement throughout the term of the deposit, hence the name. Minimum deposit amount: 30,000 rubles or 1,000 dollars.

"Social"

Special deposit for children left without parental care and investors with the status of a veteran or disabled person of the Second World War. Opens for 3 years, freely replenished and spent as needed. Interest is set at 4.75% per annum and is calculated at the end of each quarter. Funds “earned” in excess of the initial capital can be transferred to a third-party account or returned to the deposit for subsequent capitalization. The minimum amount for making a deposit is 1 ruble.

"Gift a life"

This is a charitable contribution. Every 3 months, 0.3% per annum is transferred from the deposit to the fund for helping children with oncological, hematological and other serious diseases. The interest rate on the deposit is 5.65% per annum. The deposit is exclusively in rubles, and the minimum amount is 10,000. The deposit is made for a period of 1 year; during this period funds cannot be replenished or partially withdrawn.

Online deposits

In the line of Sberbank deposits: “Save”, “Replenish” and “Manage” - there are options for opening deposits with the same names via the Internet. The conditions are similar, but slightly different.

To open a deposit, go to the Sberbank Online or Mobile Bank system, select the “Deposits and Accounts” section, then “Opening a Deposit”. Be sure to read the conditions for placing and withdrawing funds on deposit accounts, then select the conditions and interest rates that suit you and click the “Continue” button. Fill out the application, indicating the amount to be credited to the deposit and the term, then click “Open”. After that, you can consider yourself an investor.

Interest rates on deposits opened online via the Internet are higher by 0.15% per annum.

"Pension plus"

The “Pension Plus” deposit - what makes it special? The essence of the deposit is that the pensioner does not withdraw the entire pension upon receipt of the account, but leaves part of the funds there for accumulation at 3.5% per annum in rubles. The deposit period is 3 years, during the entire period the “fireproof” amount can be replenished and partially withdrawn.

Deposits with higher rates

For owners of the Sberbank First or Sberbank Premier service package, deposits with increased annual rates are available. The standard annual rate increases by 1%, which for an amount of at least 700–5000 thousand rubles. or 50–150 thousand.e. will bring high returns to the investor. A similar deposit is made with a personal manager or in a personal online account for an individual period and with special conditions.

Special accounts

In addition to standard consumer deposits, you can also open special deposits at Sberbank. Among them:

• for social payments for the maintenance of the ward. There is no minimum down payment to activate the line, replenishment and spending are free, and the rate is fixed at 3.5%;
• to form an electoral account. No additional income on the balance and no restrictions on spending and account formation;
• for the procurement participant. Opens ahead of schedule, is replenished unlimitedly and is spent within the amount deposited with a yield of 0.01% annually.

savings account

It is an account for free and confident management of savings. Opens indefinitely, replenished and spent at the request of the depositor. Available in three currencies: rubles, dollars and euros. Annual rates range from 1–1.8% for ruble deposits and amount to 0.01% for foreign currency investments. The higher the deposit amount, the higher the interest rate.

Current account

For daily use, a perpetual deposit in rubles without restrictions and accrual of 0.01% every year is suitable.

Poste restante

A basic Sberbank deposit that is valid for an indefinite period and offers unlimited movement limits on the account. Suitable for any world currency, including rubles, dollars, euros, pounds sterling, crowns and yen. The minimum amount and minimum balance is 10 rubles, 5 USD. or other banknotes equivalent to 5 US dollars. The deposit is replenished by any amounts throughout the entire period of existence, and withdrawn up to the minimum starting deposit. Interest in the amount of 0.01% is accrued quarterly, and in case of early demand is calculated based on the actual storage period.

It is worth noting that Sberbank deposits, of course, provide for early withdrawal of funds if you need them. However, it is not recommended to withdraw money early, as you will lose accumulated and future interest on the deposit. Interest rates for early withdrawal and closing of the deposit are immediately reduced to 0.01%, regardless of how long the money has already been in the account. You are violating the terms of the deposit agreement, so the bank has the right to reduce rates. Even if you previously withdrew or capitalized the already accumulated interest, they will give you the money, taking this interest back.

The financial company regularly updates the range of investment offers offered to clients. This applies not only to loan or mortgage offers, but also to investments. Many financial institution clients are interested in Sberbank time deposits for individuals in 2020. This is due to the fact that the bank periodically issues high-yield deposits available to various categories of citizens.

The financial company provides various tariffs, among which there are several options that are most suitable for pensioners. The 2020 line for seniors is represented by two deposit options.

Top up Online

The first of them is “Refill Online”. The peculiarity of this tariff plan is that you can open it with an amount of one thousand rubles and gradually top it up an unlimited number of times.

The basic requirements for opening are as follows:

For pensioners, there is a bonus in the form of a maximum rate; this does not depend on the deposit amount and corresponds to the deposit period.

Thanks to the proposed conditions, active users of the bank’s services can activate the “Piggy Bank” service and, having configured the parameters, not have to worry about missing a replenishment.

Deposit betting options:

Sberbank online, rubles
Sberbank online, dollars
Bank branch, rubles
Bank branch, dollars

Pension plus

The next type of investment that will be of interest to representatives of the older generation is pension plus. The main feature of this deposit is that the client can not only replenish, but also withdraw funds if necessary. The main requirement is that the money should not be less than the minimum balance.

Deposit terms:

• Only in Russian currency.
• The minimum amount, which is also the minimum balance, is 1 ruble.
• Possibility of regular deposits and withdrawals.
• Period up to three years with the possibility of extension.
• Interest 3.5% per annum.

Such an offer allows you to accumulate funds, while making it possible to use almost the entire volume of accumulated funds. In case of early closure of an account, the interest is calculated in full without taking into account capitalization.

Unfortunately, it is no longer possible to open the second product. Today it refers to archival tariffs.

Sberbank time deposits for individuals

Charges increase depending on the amount of money and the duration of use of the investment by the bank. The maximum interest will be calculated for a client who has opened an investment account in the amount of 2 million or more for a period of three years.

Deposit betting options:

Sberbank online, rubles
Sberbank online, dollars
Bank branch, rubles
Bank branch, dollars

Is it possible to close a deposit early? This option is available for all investment products; the client can demand his money back at any time. The amount of accrued interest will depend on the actual period of use of the funds, while investments withdrawn earlier than six months after opening will have practically zero profitability.

Manage and Manage Online

As in the previous case, the difference between the products lies only in the method of opening an account and the increased interest rate when using Internet banking to manage funds.

A characteristic feature of this product is that the maximum return will be within the first six months from the date of investment; as the period increases, the interest rate decreases. Thus, having invested 30 thousand for 6 months, the client will receive accruals on the balance in the amount of 3.25% per annum, with the same parameters, but for a three-year period the interest will be 2.5%.

Deposit betting options:

Sberbank online, rubles
Sberbank online, dollars
Bank branch, rubles
Bank branch, dollars

Special offers

In addition to standard tariffs, Sberbank has special offers that have a special purpose. These accounts are intended not only for preserving and accumulating personal money, but also for providing charitable assistance to those in need.

Gift a life

This investment involves contributions to help children suffering from severe cancer. The mechanism of action is that 0.3% per annum of the volume of invested funds is transferred to a fund of the same name.

The main conditions are as follows:

• Yield 4.15% per annum.
• Term 1 year.
• Does not provide for withdrawals or deposits.
• Opening from 10 thousand.

Interest accrues every three months. Capitalization is taken into account only when the investment is closed within the agreed time frame. If closed early, the investment will have zero profitability in the first six months; after 6 months, interest will be accrued at two-thirds of the rate established by the contract.

Memory of generations

This contribution was seasonal and is no longer active today. Nevertheless, it is worth mentioning it as an example of a deposit offer with interesting conditions.

Sberbank of Russia has developed for 2016 a line of excellent deposits for individuals, the maximum interest is up to 10.00% per annum.

Of course, you will say that in other banks the rate is higher, reaching 15% per annum (in stock offers, even higher), but it just so happens that the shortfall in interest in this case is the price for the reliability, stability and convenience of our “giant” banking spheres.

This line has deposits for every taste and color: with capitalization, without it (monthly payment to the account), for those who like to top up, and for those who withdraw a lot, multicurrency (ruble, dollar, euro), and super multicurrency (set currency is simply shocking), for pensioners, and those who are not indifferent to the fate of a child with cancer.

In terms of terms, deposit products are available, from 1 month to a permanent deposit (“Savings account”).

1. Deposit “Save” from Sberbank

The “Save” deposit is provided with capitalization (rate up to 9.07% per annum), and without it, with monthly transfer of interest to the card account (up to 8.05%).

Replenishment of the deposit and withdrawal from it are not permitted.

You can make a deposit for a period from 1 month to 3 years, in three currencies (maximum rate in dollars - 2.22%, euros - 1.17% per annum).

Minimum opening amount: 1000 rubles, 100 euros or dollar.

The conditions for early termination are as follows: if the deposit is kept for less than six months, the rate is reduced to 0.01% per annum; if the deposit is held for more than six months, 2/3 of the percentage required for this program is retained.

And one more nuance that will be of interest to our citizens of retirement age. Since the highest rates are given for large amounts (700 thousand - 2 million rubles), then for individual pensioners, a preferential condition has been introduced for 2016 - regardless of the deposit amount, the rate is set according to the maximum value, naturally, for each specific program it will be vary.

Deposit amount	1-2 months	2-3 months	3-6 months	6-12 months	1-2 years	2-3 years	3 years
from 1,000 to 100,000	6,30 (6,30*)	6,70 (6,72)	7,10 (7,14)	7,40 (7,52)	7,55 (7,82)	7,55 (8,12)	7,55 (8,44)
from 100,000 to 400,000	6,45 (6,45)	6,85 (6,87)	7,25 (7,29)	7,55 (7,67)	7,70 (7,98)	7,70 (8,30)	7,70 (8,63)
from 400,000 to 700,000	6,60 (6,60)	7,00 (7,02)	7,40 (7,45)	7,70 (7,82)	7,85 (8,14)	7,85 (8,47)	7,85 (8,82)
from 700,000 to 2,000,000	6,80 (6,80)	7,20 (7,22)	7,60 (7,65)	7,90 (8,03)	8,05 (8,35)	8,05 (8,70)	8,05 (9,07)
from 2,000,000	6,80 (6,80)	7,20 (7,22)	7,60 (7,65)	7,90 (8,03)	8,05 (8,35)	8,05 (8,70)	8,05 (9,07)

2. Deposit “Manage”– withdrawal without loss of interest

The main advantages of this product are withdrawals and replenishments throughout the entire deposit period.

Withdrawals are only possible up to the minimum balance.

Period from three months to three years, minimum amount: 30 thousand rubles, 100 euros or a dollar (you can top up from 1 thousand rubles).

Interest accrual at your choice: either with capitalization back to the account, or monthly withdrawal (for example, to a bank card).

The maximum interest is 7.31% per annum (capitalization), 7.20% - if you choose monthly interest withdrawal (in euros up to 0.86%, dollars - 1.80%).

Deposit amount	3-6 months	6-12 months	1-2 years	2-3 months	3 years
30 000	6,55 (6,59*)	6,70 (6,79)	6,00 (6,17)	5,95 (6,30)	5,85 (6,38)
100 000	6,70 (6,74)	6,85 (6,95)	6,15 (6,33)	6,10 (6,47)	6,00 (6,56)
400 000	6,85 (6,89)	7,00 (7,10)	6,30 (6,49)	6,25 (6,64)	6,15 (6,74)
700 000	7,05 (7,09)	7,20 (7,31)	6,50 (6,70)	6,45 (6,86)	6,35 (6,97)
2 000 000	7,05 (7,09)	7,20 (7,31)	6,50 (6,70)	6,45 (6,86)	6,35 (6,97)

Note: * – rate for interest capitalization.

3. Deposit “Top up”– choose the best conditions

An excellent product of Sberbank, for those who prefer to save money gradually, but at the same time receive a high interest rate.

The minimum amount to open a deposit account is only 1 thousand rubles (can be opened in dollars and euros - from 100).

You can choose capitalization or payment of interest to the account for withdrawal, they are accrued monthly.

Withdrawals are not allowed, replenishment of the deposit from 1000 rubles is welcome, the deposit period is from 3 months to 3 years.

Maximum rate: with capitalization - 8.07% per annum, without it (to the card account) - 7.65%(to receive it, you need to make a deposit of 700 thousand rubles, for a period of six months to a year, see the table under the product description).

There are preferential conditions for Sberbank pensioners - for any deposit amount, the maximum percentage is assigned (7.65 - 8.07% per annum).

Deposit amount	3-6 months	6-12 months	1-2 years	2-3 months	3 years
from 1,000 to 100,000	6,85 (6,89*)	7,15 (7,26)	6,90 (7,12)	6,85 (7,32)	6,75 (7,46)
from 100,000 to 400,000	7,00 (7,04)	7,30 (7,41)	7,05 (7,28)	7,00 (7,49)	6,90 (7,64)
from 400,000 to 700,000	7,15 (7,19)	7,45 (7,57)	7,20 (7,44)	7,15 (7,66)	7,05 (7,83)
from 700,000 to 2,000,000	7,35 (7,40)	7,65 (7,77)	7,40 (7,66)	7,35 (7,89)	7,25 (8,07)
from 2,000,000	7,35 (7,40)	7,65 (7,77)	7,40 (7,66)	7,35 (7,89)	7,25 (8,07)

Note: * – rate for interest capitalization.

4. Deposit for the “Happy Year” promotion– with maximum percentage

You can get up to 10% per annum - this is the highest rate of Sberbank at the moment, but to take it, you need to invest at least 10 million rubles.

For the deposit amount from 150 thousand rubles to 1 million - 9% per annum, from 1 to 10 million - 9.50% per annum.

One minus is the very large amount of opening a deposit, from 150 thousand rubles.

Opens for a period of time: in rubles - 9 months, dollars and euros - 10 or 18 months.

Deposit and withdrawal operations are not permitted by the banking agreement.

You can make a deposit at any Sberbank office, and there is also the possibility of opening it remotely through Sberbank Online.

5. Deposit “Give Life”– help sick children

Charitable contribution – helping seriously ill children.

Once a quarter, the bank transfers 0.3% per annum from each depositor of this program to a charity fund.

Interest rate: with capitalization - 8.35%, with quarterly interest withdrawal - 8.10% per annum.

The minimum amount is only 10 thousand rubles, the deposit period is 12 months.

The deposit is not replenished, without partial withdrawal.

6. Deposit “Multi-currency”– opens in 3 currencies

You can place simultaneously in rubles, dollars or euros.

The rates are very low: rubles - up to 6.88% (without capitalization - 6.55% per annum), dollar up to 1.78%, euros - 0.91% per annum.

Very low opening thresholds: 5 rubles / dollars / euros. Duration from 1 to 2 years.

Withdrawals are not allowed, but you can top up from 1 thousand rubles, or 100 dollars / euros.

Interest is accrued once a quarter, they can be “used” for capitalization, or withdrawn to the card.

7. Deposit “Pension Plus”– increase your pension

In addition to the special conditions for Sberbank pensioners in the products (described in detail above): “Save”, “Manage”, “Replenish”, the bank also has a separate program for Russian citizens of retirement age.

True, compared to the rates described above (which, as we know, pensioners can use to the maximum, regardless of the deposit amount), the percentage here is very insignificant - 3.55% per annum with capitalization, and 3.50% without it.

In defense of this product, we can say that despite the low rate, there are comfortable conditions here, for example: unlimited replenishment, withdrawal up to a minimum balance, the minimum deposit amount is 1 ruble.

The deposit term is three years, interest is accrued quarterly.

This concludes the review of deposit programs at Sberbank, I hope you will find the information you need in it.