Type of deposit in rubles/terms

Interest rates/interest capitalization (%)

1 - 2 months

2 - 3 months

Sberbank in 2020 offers pensioners deposits of individuals at an increased percentage. But in order to understand which deposit in Sberbank is the most profitable for you, you need to decide how you intend to manage the funds on deposit.

Today, several types of deposits can be issued at Sberbank, depending on your money management strategy:

1. Classic savings deposit "", seasonal "Catch the spring" or charitable "Give life" at a favorable percentage;

2. Deposit "" with the ability to save money to the account;

3. Expenditure deposit "Manage" with the possibility of replenishment and partial withdrawal of money from the account without loss of profitability.

Each of them can be issued at the branch or online via the Internet. Their terms and interest rates can be viewed

But Sberbank today also has special offers for the elderly. This:

1. Deposit "" to receive benefits and other social benefits;
2. Deposits "" and "" with special conditions for pensioners and older people.

The meaning of these special conditions is that on deposits opened by pensioners, the maximum rate is set for the selected period, regardless of the amount of the deposit.

Interest on Sberbank deposits for pensioners: the most profitable in 2020

To find the most profitable deposit in Sberbank for pensioners, consider the bank's offers for the elderly. We will analyze their pros and cons, compare terms and interest rates.

1. Deposits opened at the bank branch

Let's start our review with deposits that can be issued at a bank branch. For many pensioners, this is convenient, besides, the percentage will be very high.

1.1. Sberbank deposit "Pension-plus"

This is a deposit of individuals to receive retirement income. It is intended for clients receiving pensions from the Pension Fund of the Russian Federation, ministries and departments providing pensions, as well as from non-state pension funds.

(+) Plus: it is possible to replenish the account and partially withdraw money without losing interest. Preferential conditions for early termination.

(-) Minus: low interest rate.

Conditions

• Term: 3 years;
• Amount: from 1 ruble;
• Replenishment: provided;
• Partial withdrawal: provided up to the level of the amount of the minimum balance;
• Interest accrual: every 3 months;
• Capitalization: provided. Accrued interest is added to the deposit amount, increasing income in the following periods;
• Early termination: preferential. The interest rate set on the date of opening (prolongation) of the deposit does not change.

Interest rate

3.50% per annum (3.67% with capitalization)

1.2. Sberbank deposit "Replenish" for pensioners

This is a replenished deposit of individuals for those who prefer to save and save their funds regularly.

(+) Plus: there is the possibility of replenishing the account.

Conditions

• Term: from 3 months to 3 years
• Replenishment: provided
• Minimum deposit: cash - from 1,000 rubles / 100 dollars, non-cash - unlimited.
• Partial withdrawal: not provided

In rubles

In US dollars

Doesn't fit? See deposit rates at Rosselkhozbank -

1.3. Sberbank deposit "Save" for pensioners

This is a classic contribution of individuals to obtain a guaranteed maximum income. It has a more favorable rate than the "Replenish" deposit, but there are also a number of disadvantages.

(+) Plus: high interest rate.

Conditions

• Term: from 1 month to 3 years
• Amount: from 1,000 rubles / 100 dollars
• Replenishment: not provided
• Partial withdrawal: not provided
• Capitalization: provided. Accrued interest is added to the amount of the deposit, increasing income in the following periods.
• Interest accrual: monthly. Accrued interest can be withdrawn, as well as transferred to the card account.

Interest for pensioners (% per annum)

without capitalization / with capitalization

In rubles

In US dollars

Did not impress? See what interest on deposits gives Gazprombank -

2. The most profitable online deposits of Sberbank for pensioners

More recently, in order to make a deposit at a high percentage, a pensioner needs to have a computer with an Internet connection or run to the nearest Sberbank ATM. This is because earlier the most profitable and profitable for pensioners were deposits of individuals "Save online" and "Top up online", issued remotely.

But today, the interest rates for deposits opened via the Internet and issued in the branch have become equal!

It is necessary to take into account only one nuance. All pension recipients, regardless of age, can open a deposit at the office. And in the Internet Bank, deposits on preferential terms are available only to pensioners by age and the so-called pre-pensioners: women over 55 and men over 60.

Let us analyze the current special conditions for older people and pensioners for online deposits.

2.1. Sberbank deposit "Top up online" for pensioners

This is a replenished deposit of Sberbank for those pensioners who prefer to save and regularly save their money. It is issued via the Internet or at an ATM.

(+) Plus: increased rate, there is the possibility of replenishing the account.

(-) Minus: there is no possibility of partial withdrawal of money without loss of interest.

Conditions

• Term: 3 months. - 3 years
• Amount: from 1,000 rubles / 100 dollars
• Replenishment: provided
• Minimum deposit amount: in cash - from 1,000 rubles / 100 dollars. Cashless - unlimited
• Partial withdrawal: not provided
• Capitalization: provided. Accrued interest is added to the amount of the deposit, increasing income in the following periods.
• Interest accrual: monthly. Accrued interest can be withdrawn, as well as transferred to the card account.

without capitalization / with capitalization

In rubles

Few? Look at the percentage of deposits in VTB Bank today -

2.2. Sberbank deposit "Save online" for pensioners

(+) Plus : maximum interest rate.

(-) Minus: there is no possibility of replenishing the account and partial withdrawal of money without losing interest.

Conditions

• Term: 1 month. - 3 years
• Amount: from 1,000 rubles / 100 dollars
• Replenishment: not provided
• Partial withdrawal: not provided
• Capitalization: provided. Accrued interest is added to the amount of the deposit, increasing income in the following periods.
• Interest accrual: monthly. Accrued interest can be withdrawn, as well as transferred to the card account.

Interest rate for pensioners (% per annum)

without capitalization / with capitalization

In rubles

In US dollars

Not enough? See the most profitable deposits for pensioners in banks

Conditions for early termination of deposits in Sberbank

In any unforeseen situation, if you need money before the end of the deposit, you can always get it. But you may not see the percentages. For deposits "Replenish" and "Save", issued both at the bank branch and online, the following conditions for early termination apply today:

1. For deposits for up to 6 months (inclusive) - at an interest rate of 0.01% per annum.

2. For deposits for more than 6 months:

• within the first 6 months after the opening of the deposit - based on the interest rate of 0.01% per annum;
• after 6 months after the deposit is made - based on 2/3 of the interest rate set by Sberbank for this type of deposits on the date of opening (prolongation) of the deposit.

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

Conditions for the extension of deposits

If the money is not withdrawn at the end of the deposit term, the deposit will be automatically extended. Moreover, it will be extended on the same conditions and at the same interest rate that will be valid for this deposit on the date of prolongation.

The number of automatic contract renewals is unlimited

On deposits, you can issue a power of attorney and draw up a testamentary order.

See: 50 most profitable deposits to date.

3. Profitable deposits no benefits for pensioners

In the Sberbank line today there are deposits that do not have special conditions for older people and pensioners. But this does not mean that they should be bypassed. On the contrary, their design can be a good solution.

3.1. Deposit of Sberbank "Manage"

The “Manage” deposit does not have benefits for pensioners, but it may also be of interest, since it makes it possible to replenish an account and partially withdraw part of the funds without losing interest.

(+) Plus: it is possible to replenish the account and partially withdraw money without losing interest.

(-) Minus: low percentage.

Conditions

• Term: from 3 months to 3 years.
• Amount: from 30,000 rubles / 1,000 dollars
• Replenishment: allowed. Cash - from 1,000 rubles / 100 dollars, non-cash - unlimited.
• Partial withdrawal without loss of accrued interest: allowed up to the level of the minimum amount of the minimum balance.

Interest rate

See the terms and rates of deposits of individuals in Promsvyazbank.

3.2. Sberbank deposit "Manage Online"

The conditions of this deposit are similar to "Manage", only it is opened via the Internet. And interest rates are the same today.

3.3 Seasonal deposit of Sberbank "Catch the spring"

This is a new promo deposit that can only be issued from February 19 to March 14, 2020. And only remotely: via the Internet or at an ATM. The deposit has an increased rate of 5%, the investment period is 5 months.

(+) Plus: high profitability.

(-) Minus: Without replenishment and partial withdrawal.

Conditions

• Term: 5 months;
• Amount: from 50,000 rubles;
• Refill: no
• Partial withdrawal: no.
• Interest accrual: at the end of the term.

Interest rate

5% per annum

How to open the most profitable deposit in Sberbank for pensioners

You can make deposits "Save" and "Replenish" with special conditions for older people and pensioners in any of three ways. The result for today will be the same.

1. In the office. To make a deposit, it is enough to contact any of the bank branches with money and a passport. Sberbank employees will complete all the necessary paperwork. You will only have to sign where required and deposit money into the account.

2. Online. Those who are already Sberbank clients and use Internet banking can make a deposit without leaving their homes.

• Log in to Sberbank Online and select the "Deposits and Accounts" section.
• Select the menu item "Opening a deposit".
• Read the terms of depositing funds, select the appropriate deposit and click "Continue".
• Fill out the application: select the debit account, the amount to be credited and the term of the deposit.
• Click "Open".

3. At an ATM. Use the nearest ATM and follow the instructions on the monitor.

Conclusions: which Sberbank deposit is the most profitable for pensioners

This page of the Banki.ru portal provides the most up-to-date information on deposits for individuals currently operating in Sberbank of Russia. Here you will find detailed information about the conditions and interest rates on deposits of the largest Russian bank.

The line of deposits of Sberbank is quite diverse and includes term deposits for various categories of citizens. Sberbank offers profitable deposits with interest capitalization, the ability to replenish and make debit transactions, multi-currency deposits, as well as deposits for pensioners on more attractive terms. Most deposits provide for the possibility of early termination on preferential terms. Deposits opened through the Sberbank Online system also have higher interest rates.

How to choose a profitable deposit in Sberbank?

• Compare offers from various sources - Banki.ru enters into an agreement on special more favorable conditions for its visitors.
• Learn the main types of deposits and choose which program is more convenient for you:

1. With interest capitalization - gives additional income, but sometimes it is more profitable to receive interest on a monthly basis.
2. With replenishment - this is an increase in the body of the deposit now in various products may have a limitation on the possible date of the last before the expiration of the replenishment contract, and the rate here may be lower.
3. The amount is not more than 1.4 million rubles - do not exceed the amount suitable for the banking product insurance program.

Every year, the popularity of bank deposit accounts does not decrease. They allow you to save savings, receiving obvious benefits. Banks are actively developing deposit products targeted at various segments of the population. The article will focus on the line of deposits of Sberbank of the Russian Federation in 2015, focused on people of retirement age.

In 2015, Sberbank of the Russian Federation offers depositors who have reached retirement age and receive a pension from the Pension Fund of the Russian Federation the following deposits:

1. Contribution "Save"

The main distinguishing feature of the deposit offered by Sberbank for pensioners for 2015 is a more favorable percentage. You can also highlight other characteristics of the contribution:

• choice of deposit term – from 1 month to 3 years;
• replenishment or partial withdrawal of funds - not provided here;
• interest accrual every month. They can be transferred to increase the deposit amount, withdrawn or transferred to a card;
• the ability to make a deposit in favor of another recipient or transfer it by will to heirs.

2. Deposit "Top up"

Unlike the previous offer, it implies the deposit of cash during the period of the program. The contribution has other distinctive features:

• deposit term – from 3 months to 3 years;
• the minimum amount of payment for cash replenishment is from 1,000 rubles / 100 $ / 100 €. At the same time, there is no minimum for a deposit by bank transfer and no maximum threshold for the amount of replenishment;
• accrual of income - monthly, capitalization or transfer of interest to the card is possible;
• the increase in interest on the deposit occurs automatically when the deposit amount reaches the next numerical gradation;
• for pensioners, the maximum value of the percentage corresponding to the selected range of the deposit term is fixed, regardless of the size of the amount;
• a power of attorney and testamentary disposition can be drawn up for the deposit.

For deposits indicated in Sberbank of Russia in 2015, similar conditions can be distinguished:

• the lower threshold for opening a deposit is 1,000 rubles / 100 $ / 100 €;
• an unlimited number of automatic prolongations with the preservation of interest on the deposit;
• for deposits that have been in effect for more than 6 months, in case of early termination, the income will be 2/3 of the total amount of interest, less than six months - based on 0.01% of the annual interest rate;
• upon termination of the deposit agreement, recalculation of interest occurs without capitalization.

3. Deposit "Pension - plus Sberbank of Russia»

On a deposit submitted with Sberbank, interest for 2015 is accrued on the funds of the account as of a certain date. The contribution has an extended, compared to previous proposals, functionality:

• on the deposit it is possible to place funds only in Russian rubles;
• storage period of funds - from 1 day to 3 years;
• the minimum deposit amount is from 1 ruble;
• it is possible to replenish any amount and write off up to the size of the non-reducible balance - 1 ruble;
• interest on the balance of the amount is accrued every quarter, both capitalization and withdrawal of interest are allowed.

The terms of prolongation, accrual of interest in case of early termination and inheritance are similar to the previous deposit products.

4. "Save Online" and "Replenish Online" deposits.

Deposits are similar in terms of conditions to the "Save" and "Replenish" of the same name, with the exception of the following points:

• the deposit is opened only through Sberbank Online;
• regardless of the deposit amount, the maximum rate is provided from the selected range of the contract validity period;
• when the depositor reaches the retirement age, there is an automatic transition to higher interest rates;
• to open a deposit, the age of a potential depositor must exceed 60 years.

Profitability on pension deposits in Sberbank in 2015 depends on:

• term of deposit placement;
• deposit currency.

• among ruble deposits, the “Save Online” deposit, which offers the highest interest rates. It should be noted that the highest income can be obtained by placing money for a period of 3 months to 1 year;
• among foreign currency deposits the leader is “Replenish Online”. To calculate the highest interest rate, it is more expedient to invest funds for a period of 6 months to 1 year.

If opening a deposit using Sberbank Online is not available, then it is possible to contact a bank branch to open "Save" or "Replenish" deposits. The rates here are somewhat lower than in interactive counterparts, but they are widely available.

The most convenient to use is the “Pension - plus Sberbank of Russia” deposit, but it is difficult to call it profitable, because the interest rate is the lowest in the line of deposits.

For the convenience of potential depositors, on the official resource of Sberbank of the Russian Federation, you can find a calculator for calculating pension deposits.

The principle of working with the calculator is considered on the example of the “Save” pension deposit in the amount of 50,000 rubles. for 1 year, with interest capitalization. After entering the initial data, you need to select the "Calculate" button.

The application calculates income, and as a result, you can see the dynamics of the amounts in graphical form, the amount of the proposed interest and background information.

If the results of the calculation on the Sberbank calculator of interest on deposits in 2015 did not suit you, you can correct the input data. Click the "Recalculate" button to make new calculations. If desired, the result of the calculation can be displayed on paper by clicking on the inscription "Print" in the upper right corner of the window.

For the convenience of its clients and optimization of the process of making deposits, Sberbank of the Russian Federation offers 3 ways to open pension deposits:

1. Contact the bank branch. The easiest and most common way to open a deposit. You must visit a bank branch with an identity document. After choosing the most suitable deposit offer, you will sign an agreement and deposit the deposit amount into your account.
2. Use the possibilities of Internet banking. The Sberbank Online personal account allows you to perform many operations at any time, including opening a deposit.

To use the personal account service, you must obtain identification data for entry. After logging into your personal profile, on the "Deposits and accounts" tab, you must select the "Opening a deposit" option. Following the prompts of the service:

• select the required contribution;
• fill in the registration form;
• confirm the opening of the deposit.

On the page there is an opportunity to get acquainted with the conditions and documentation on the deposit.

3. Use an ATM.

For this you need:

• insert a card;
• after entering the secret code in your personal account, select the menu item "Operations with accounts, deposits and loans";
• then select the section "Deposits" and "Opening a deposit";
• after choosing a suitable deposit, you must enter the initial data;
• Finally, you need to choose where the deposit fee will be deducted from: from an existing deposit or a plastic card.

After confirming the transaction, print the receipt.

1. Before opening a deposit in a bank, carefully study all the documents, do not hesitate to ask questions and clarify incomprehensible points with bank employees.
2. Choose deposits and interest in Sberbank for 2015, taking into account capitalization, in other words, with the crediting of earned interest by increasing the amount of the deposit. This will increase the amount of the deposit, as well as accrue "interest on interest", that is, further increase the final profitability of the deposit.
3. If you already have an open deposit, do not forget to be interested in the news of the banking sector. The dynamically changing economic situation in the country, as well as the desire to increase income, force credit institutions to regularly make changes to deposit programs and refine them to attract depositors.

A deposit in Sberbank is a profitable way to invest and store funds with the opportunity to receive additional income.

It is difficult to decide exactly which of the options will be more profitable for the client. Profitability depends on several factors:

• the maximum rate (percentage) on the deposit;
• the possibility of replenishment during the entire period for which it is open;
• capitalization of income, or “interest on interest” (at the same time, every month the accrued interest is added to the principal amount, and a new one is already accrued from it);
• the possibility of withdrawing accumulated funds before the end of the term;
• the possibility of partial (or full) withdrawal before the end of the term without loss of profit;
• type of rate accrual (it may vary depending on the term of the deposit);
• possibility to open a multi-currency deposit.

"Save Online" and "Save". The first option has the highest interest rate of up to 9.52% in rubles and is opened via the Internet, while the second one is available only in a branch and the maximum rate is 9.07%.

These investments are opened for a period of 1 to 3 years, they are not replenished and, by opening them, it is impossible to partially withdraw cash savings.

"Top up Online" and "Top up". The first option is also more profitable, the interest rate reaches 8.69%, and in the second option - up to 8.07%.

The term of deposits in both cases is from 3 months to 3 years, however, they can be replenished, but it is impossible to partially withdraw funds.

"Manage" and "Manage Online"- rate up to 7.31% in rubles, when opening online - up to 7.72%. The minimum term is 3 months, the maximum is 3 years. There is an option for replenishment and partial cash withdrawal (see).

"International"– deposit in the national currencies of Great Britain (pound sterling), Japan (Japanese yen) and Switzerland (Swiss franc). The maximum rate is 4.50% for pounds sterling, 2.65% for Swiss francs and Japanese yen.

Term from one month to three years. No withdrawal option.

"Multicurrency"– rate up to 6.88% in rubles. The term is 1-2 years. With the possibility of replenishment, without partial withdrawal.

"Gift a life"- charitable, for a period of 1 year, the bank transfers 0.3% every year to the fund for helping children with severe oncological and other diseases. The rate is 8.35% in rubles. There is no way to replenish and partially withdraw cash.

- the percentage is low - up to 2.30% in rubles, but with the greatest opportunities. There are no restrictions on the term, replenishment and withdrawal of funds.

Contributions for pensioners

Sberbank provides special favorable rates. Men over 60 and women over 55 are considered pensioners. These include persons who have other grounds for receiving a pension.

To make a deposit, a pensioner needs a passport and a pension certificate.

A deposit can be opened both at a bank branch and through the system. In this case, the second option is more profitable, since the bank provides increased interest on investments opened via the Internet (see).

Special deposit for pensioners - "Pension - plus". Ruble, annual rate 3.67%. Term - three years. At the same time, it is replenished, and it is possible to withdraw funds.

Other suitable profitable investments for pensioners "Save", "Save Online", "Top Up", "Top Up Online".

For pensioners, each of these deposits has a maximum interest rate, regardless of the amount of initial investment.

Cost calculator

You need to go to and find the "Accumulate and save" section.

In the menu that opens, you will have access to all possible options for currency investments, and click on the one you are interested in.

On the page that opens, you can see general information. Scroll down the page and find a form called Income Calculation.

Point by point, fill in the desired opening and closing date, while the “Term in days” item will be filled in automatically. Specify the desired amount. Answer questions about the possibility of capitalization and early withdrawal of funds. Indicate whether a pensioner or not, if such an item is in the calculator. Then click the Calculate button.

A chart will open to the right of the form showing the average income per month and the final income for the entire period.

Compensation of Sberbank deposits in 2015

Sberbank provides compensation payments for lost money, in connection with the disappearance of the Soviet bank, to citizens of the Russian Federation, as well as their heirs, who had an open deposit valid on 06/20/1991.

If the deposit was closed between June 21 and December 31, 1991, no monetary compensation will be paid.

Citizens born before 1945 (including 1945) are reimbursed in 3 times the amount of the remaining funds (as of June 20, 1991), and customers born in 1945 to 1991. - in 2 times the size.

But there is a feature - the bank returns the accumulated funds at their so-called face value. This means that 1 Soviet ruble is equal to 1 Russian ruble. In this case, previously received payments are deducted from the total amount.

Sberbank uses special coefficients that reduce payments in accordance with the closing date of the deposit.