Ryazan, Moscow, Stavropol and other Russian cities. Well, keeping money in the Savings Bank is still relevant. This will allow not only to protect your own savings from dishonest people, but also to increase them.

Sberbank, deposit "Manage online" - conditions

Most of the Russian banks are currently in demand Sberbank. It is a large systemic bank with a developed branch network throughout the country. It offers a wide range of banking services - from to preferential deposits for pensioners.

Recently, Sberbank has moved to a higher level of customer service. Now many banking services are available to them online. The "Manage Online" deposit will allow you to:

• Make a profitable investment.
• Smartly manage your finances from anywhere in the world.
• Withdraw interest monthly.
• Save free time on trips to the bank.
• Partially enjoy finances without losing interest.

It will be possible to deposit money for Manage Online for a period of 3 to 36 months. The interest rate in rubles will be 4.64-6.23%. "Manage online" can also be in foreign currency: in dollars (from 0.01-0.8%) and in euros (0.01%).

Like, "Manage Online" implies the ability to report money after making a deposit transaction. The minimum amount of cash replenishment will be:

• 1000 rubles.
• 100 american dollars.
• 100 euro.

It is possible and by bank transfer. In this case, there will be no restrictions on the amount of replenishment. The minimum deposit amount will be:

• 1000 euros.
• 1000 dollars.
• 30,000 rubles.

Making a deposit

After calculating the interest, you must select the option "Opening a deposit". Then click on the “Manage Online” deposit program and fill in the displayed application fields by selecting:

• Withdrawal account.
• The amount of enrollment.
• Deposit term.

That's all! Now you can safely wait for the interest to fall on the account. They are calculated every 30 days. They can be removed or listed on. Any other Sberbank card is also suitable. Interest capitalization is also possible, when they are added to the principal amount of the deposit every month, thereby increasing profit in the following settlement periods.

How to get even more profit?

Through Manage Online it is possible to increase the annual interest rate. To do this, the client needs to sign an additional agreement to the deposit agreement to increase the amount of the minimum balance. However, this should be taken into account in case of partial early withdrawal.

Is it possible to prolong the deposit program "Manage Online"?

After the expiration of the contract, the deposit is automatically extended for the same period. The interest rate is set according to the current "Manage Online" deposit program. The deposit can be extended an unlimited number of times.

Sberbank - "Manage" deposit for pensioners

Pensioners are a special category of clients. They have a stable regular income and a high degree of personal responsibility, so they are a pleasure to deal with. Especially for pensioners, various banks develop interesting loan and deposit programs.

The “Manage” deposit for pensioners deserves special attention. If necessary, the client will be able to withdraw part of the funds without losing the previously calculated interest. In addition, the following benefits will be available:

• Choosing the optimal deposit term.
• Opportunity .
• Replenishment of the deposit at any time.
• Choice of deposit currency.

All other conditions are the same as for other depositors. That is, the minimum amount in rubles required to open a deposit is 30,000, in dollars and euros - 1,000. To open a deposit, it is not necessary to visit a branch of Sberbank, just go to the Internet. Deposit terms vary from 3 to 36 months. Partial withdrawal of the principal amount is possible.

Advice: if you have any problems when making a deposit "Manage online for pensioners", you can call the Sberbank hotline at 8-800-555-55-50. Calls from landlines are free. Consultations are provided around the clock.

Many Russians have already appreciated the benefits of investing their savings in bank deposits. The undisputed leader in this segment of the banking business, of course, is Sberbank. This is a large Russian bank, which has its own representative offices in every medium and large settlement of the Russian Federation.

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The Manage Online deposit is a bright pearl in the rich collection of deposit programs from Sberbank. With the development of the Internet, such deposit programs are gaining more and more popularity every day. "Manage online" allows you to increase your own savings, while the client always has access to part of the funds. You can withdraw them at any time without losing the interest accrued in the previous period. Anyone who has a minimum deposit can make a deposit. After the expiration of the deposit period, it is automatically extended, which is very convenient for many Sberbank customers.

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Terms of interest

• Interest is calculated monthly on the entire amount of the deposit. The interest rate depends on the selected amount of the minimum balance, currency and term of the deposit.
• Accrued interest is added to the amount of the deposit, increasing income in the following periods.
• The accrued interest can be withdrawn or transferred to the card account.

Interest rate increase

• The interest rate on your deposit may increase if you increase the deposit amount to a new minimum balance and conclude an additional agreement with the bank on a new minimum balance.

Conditions for early termination

• If you need money before the end of the deposit, you can always get it.
• Early termination rate for deposits opened for up to 6 months - 0.01% per annum.

Early termination rate for deposits opened for more than 6 months:

	If you withdraw the deposit in the first 6 months (main or extended term)	If you withdraw the deposit after the first 6 months
If the amount does not exceed the maximum deposit amount*	0.01% per annum	2/3 of the interest rate on the deposit
If the amount is higher than the maximum deposit amount		For the principal amount 2/3 , for the difference between the deposit amount and the maximum amount - 1/3 of the interest rate on the deposit in force on the date of its opening or prolongation

Prolongation conditions

• Automatic prolongation is carried out on the terms and at the interest rate that was in effect on the "Manage" and "Manage Online" deposits on the date of prolongation.
• The number of extensions is not limited.

How to get deposit documents

A bank deposit agreement opened in Sberbank Online can be printed out in your personal account in the “Transaction History” section on your own, or obtained by contacting any office of the Bank.

Special conditions

• There is a limit on the maximum amount of the deposit*. If the deposit amount exceeds it, then the difference between the actual and the maximum amount is charged with interest at a rate of 1/2 of the deposit rate effective on the date of the excess. The reduced rate is applied from the day following the day the excess occurred.
• You can issue a power of attorney or draw up a testamentary disposition on the "Manage" and "Manage Online" deposits at the bank's office.

* Maximum deposit amount - the deposit amount at the end of the day of the date of opening or prolongation of the deposit, increased by 10 times. For deposits, the amount of which at the end of the day of the opening or prolongation date is less than 100,000 ₽ / 5,000 $ / 5,000 €, the maximum amount is 1 million ₽ / 50,000 $ / 50,000 €.

Manage Online - a product from Sberbank, it is ideal for depositors who want to not only increase, but also actively manage their funds and be able to withdraw some funds without losing interest. Thanks to this flexibility, Manage Online is one of the most popular term deposits offered by PJSC Sberbank.

What opportunities does the Contribution of Manage Online @ yn give

Due to the possibility of partial withdrawal, this offer is relevant among many Sberbank customers. Investors can afford:

• Securely place your savings and not worry about their safety;
• Manage your funds at any time of the day from anywhere in the world;
• Withdraw each month the accrued funds or leave them for distant capitalization.

Conditions and main characteristics

This type of deposit has the following characteristics as of 04/04/2017.

1. The following interest is charged on ₽ / $ / €, respectively: 3.25-5.32 / 0.01-0.80 / 0.01
2. The minimum deposit term is 3 months, the maximum is 3 years. The minimum term for a deposit in euro is 1 year.
3. There are no restrictions on non-cash replenishment. In cash, you can deposit at least ₽1,000 / $100 / €100.
4. If necessary, you can partially withdraw money without losing interest, but you cannot touch the minimum balance.
5. You can invest at least 30 thousand rubles / 1000 US dollars / 1000 euros.

Interest rates (for rubles) excluding capitalization

The rate varies and depends on how much the minimum balance is and the period for which you have invested the funds.

Relevance of information on the deposit as of 02.11.2017

How to increase your income

If you care about increasing the interest rate of your deposit, then you can do this with simple steps:

1. Increase the deposit amount until the next sum gradation arrives.
2. Conclude an additional agreement that you increase the minimum balance.

Attention! Do not forget that if you need to withdraw part of the funds, the minimum balance will be much larger than it was before.

How interest is calculated

This happens every month for the entire amount, the higher the deposit amount, the higher the interest rate on the minimum balance.

Accrued interest can be disposed of at your discretion - withdraw cash, leave. At the request of the client, interest can be paid to a separate card.

Accrued interest is added to the principal amount, in subsequent periods the deposit is capitalized, which increases the calculation base for subsequent accruals. As a result, at the end of the term, the client earns more.

About the maximum amount

There is a clause about special conditions regarding the maximum amount that can be on the account. It should not exceed the original amount by more than 10 times. If this happens, then interest is paid at a rate less than half. The calculation starts from the day the deposit amount exceeded the maximum.

How to open a deposit

There are two ways:

1. You can open a Manage Online @ yn deposit at any branch of Sberbank.
2. By Internet. If you want to do it online, then the instructions are very simple, and the procedure itself will take only a few minutes. Enter your personal account on the Sberbank Online website in the "Deposits and Accounts" category. Find the "Open Deposit" menu. Read the conditions, if they suit you, select the optimal deposit and fill out an application indicating the account to be debited, the amount to be credited, the term of the deposit. Use the "open" option. Ready.

If the deposit is not closed after the expiration of the term, then it is automatically extended for the exact same period.

How to close a deposit early

The situation when you urgently need money can happen to anyone. The deposit provides for early closure. You can withdraw funds before the period for which you invested them, if such a need arises. But it should be borne in mind that in this case, interest is calculated at reduced rates:

• At the rate of 0.01% per annum - deposits for six months and deposits for more than 6 months, but previously claimed;
• If the client claimed the deposit after six months of the main period - at the rate of 2/3 of the interest rate set by the bank.

When withdrawing funds ahead of schedule, the settlement occurs without taking into account capitalization.

How to close Manage Online

No special action is required to close the deposit. You need to enter your personal account on the Sberbank Online web resource in the "Deposits and Accounts" section, find the current deposit and click on "close". The system will require you to specify which account or card to transfer money to. After completing these steps, the deposit will be closed.

Deposit Calculator Manage Online

For clarity, Sberbank offers to use the profitability calculator on the official website in the section " Invest and earn » -> « Contributions» -> « drive". Choose the term and amount of the deposit and find out how much you will earn at the end of the period. Fill in all the columns of the calculator and click on the button " Calculate».

Example: you placed a deposit for 100 thousand rubles for one year, interest is not withdrawn, but capitalized. A monthly contribution of 5,000 rubles is made. As a result, such a picture emerges.

For those who are used to always keeping everything under control, including their finances, there is a “Manage” deposit in Sberbank. Its analogue, only with more favorable conditions, is the Manage Online deposit program. These two banking products allow not only to increase your savings due to accrued interest, but also to replenish the deposit amount at any convenient time, withdraw part of the funds from the account, and also protect money from inflation.

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Deposit Manage from Sberbank

The Manage deposit program is a smart solution for safe keeping of your savings, especially if you plan to withdraw some funds from your account from time to time and replenish it regularly. When withdrawing money up to the established minimum balance, interest on the deposit does not burn out on the account. By opening a “Manage” deposit in Sberbank, you will not have to worry about how to protect money from depreciation, and there will also be no need to keep a large amount of money at home.

Terms of deposit Manage

Deposit program "Manage" for individuals is valid on the following terms:

1. It is possible to conclude an agreement on opening a deposit account for a period of 3 to 36 months inclusive. The client himself chooses the term that is convenient and beneficial to him.
2. Each depositor has the opportunity to open both a ruble and a dollar (or euro) account.
3. Interest rates directly depend on the chosen currency and the term for which the deposit is opened, and amount to 0.01 - 4.32%, respectively.
4. The lower limit (minimum amount) of the first installment is 30 thousand rubles or 1000 foreign currency units (euros or dollars).
5. The amount of replenishment of the account by non-cash funds is unlimited.
6. Replenishment of the account in cash cannot be less than one thousand rubles or 100 US dollars (euro).
7. You can withdraw funds only within the minimum balance.
8. Interest is calculated regularly every month.
9. The client himself determines the scheme for their enrollment - either withdraws, or they are added to the deposit amount (capitalized), or the system credits them to the depositor's bank card.
10. The client has the right to extend the term of the deposit (prolongations), which occur automatically if the depositor has not revealed a desire to terminate the agreement and close the deposit. The number of extensions for investors is unlimited.
11. An increase in the interest rate occurs as soon as a certain amount is accumulated in the account, for which, according to the program, other interest rates are set.

The conditions for this banking product also contain pitfalls that not every potential depositor is able to discern the first time. And they are as follows:

• the client retains the right to early terminate the contract and close the deposit, but in this case, the previously accrued interest is recalculated according to a different scheme (if the deposit term is less than 6 months, then the rate will be 0.01%, if more, the client will receive 2/3 of the amount accrued interest at the current rate);
• if the client has expressed a desire to close the deposit account ahead of schedule, then the bank recalculates the interest on the deposit without taking into account their capitalization (accumulation).

Important! If the amount of the deposit exceeds the size of the initial amount (as of the day of opening the account or the day of prolongation) by more than 10 times, then the difference, from the moment it occurs, will accrue interest at a rate two times lower than the current one.

If you have decided to open a “Manage” deposit with Sberbank, then you will probably be interested in how much income you will receive from your deposit. For this, there is a special settlement calculator, which you will find on the official banking website on the corresponding page. In order to calculate and find out at least an approximate figure, you need:

1. Select the currency of the deposit account you plan to open.
2. Select the opening and closing dates for the account.
3. Specify the term of the deposit in days.
4. Enter the amount you would like to deposit into your account.
5. Indicate whether you wish to accumulate (capitalize interest) or not.
6. Indicate if you plan to close the account early.
7. Select the size of the minimum balance.
8. Specify how often you plan to deposit funds into the account.
9. Specify when and how you plan to withdraw part of the amount from the account.
10. Press the "Calculate" button.

Attention! The minimum amount of the minimum balance on the account is 30 thousand rubles or 100 US dollars (euros).

How to make a deposit Manage

The procedure for making a deposit "Manage" in Sberbank is usually quite fast. In order to open a deposit, you only need to personally come to one of the nearest bank branches located in your region, having a passport with you (or any other document that can confirm your identity and is suitable in this case). A bank employee will offer you to familiarize yourself with the contract and sign it, and then deposit a certain amount into a deposit account. Everything, the procedure is over, the account is opened.

Deposit from Sberbank Manage Online

In order to open a “Manage” deposit, it is not at all necessary to go to the bank and personally sign an agreement on opening a deposit account. To do this, there is a similar deposit program called "Manage Online", according to which everyone who is a client of Sberbank and has Internet access can open a deposit from anywhere in the world, wherever he is, through the remote system "Sberbank Online". A nice bonus for those who open a deposit online is the increased interest rates.

Terms of deposit Manage Online

The conditions of the Manage Online deposit program for individuals are almost the same as for the Manage deposit. The main and only difference is only the interest rates, which are slightly higher than under the similar Manage program. Terms, minimum amounts of replenishment and down payment, the possibility of partial withdrawal and replenishment of the deposit amount, prolongation of the contract, capitalization of interest - in all these parameters, the conditions of the two programs are completely the same. On the Manage Online deposit page, you will also find a calculator with which you can make a preliminary calculation of the interest on your deposit. This data is not official, so the calculator does not guarantee exactly these numbers in reality.

Table. Interest rates on deposit programs "Manage" and "Manage Online".

How to make a deposit Manage Online

To open a deposit account without going to the bank, you need to register on the official website of the bank and enter your personal account using your username and password, that is, log in to the Sberbank Online system. After you enter your personal account, you need to:

Today, Sberbank offers an extensive list of various deposits. This makes it easy to find the right option. One of the most profitable today - "Manage".

Conditions

One of the most important advantages of this banking institution, the deposit products it provides, is precisely the relatively high percentage.

But it should be remembered that it is directly dependent on a large number of various factors.

At the moment, the standard conditions for placing a deposit are as follows:

• interest rate:
  
• term of placement of funds - from 3 months to 3 years;
• it is possible to replenish this deposit;
• partial withdrawal is allowed.

It should also be remembered that there is a minimum amount for depositing funds.

At this point in time (for 2019), the following restrictions are set:

There is also a fairly extensive range of various kinds of other points that you will definitely need to familiarize yourself with in advance.

All the nuances that matter when making this type of deposit will be necessarily indicated by an employee of a banking institution.

That is why, before proceeding with the conclusion of the contract and the placement of funds, it will be necessary to ask all the questions of interest.

Interest rates

The interest rate starts from 4.85% and depends on a large number of different factors.

The main points that most affect the size of this contribution parameter:

• the duration of the placement of the amount of money;
• the amount of funds credited to the account;
• use of various additional deposit options.

There is also a significant difference in the rate depending on the date of opening this deposit. For example, products valid at the end of 2013 had higher returns.

The main reason for this is the stable state of the economy. In the future, there was a significant reduction in the rate for this type of deposit.

Before making a specific deposit, it will be necessary to familiarize yourself in advance with all the features of its operation, as well as the current conditions. There are several different ways to design this product.

You will need to familiarize yourself with them in advance. There are many different nuances that are directly related to the determination of percentages.

If for some reason there is no experience in using such products, then the best solution would be to seek preliminary advice from a bank branch employee. This will avoid complications in the future.

When does interest accrue?

It is also important to understand the conditions for calculating the full amount of interest. At the moment the conditions are as follows:

• the full amount of interest is charged on a mandatory monthly basis, for the entire amount of the deposit - the amount of the interest rate depends entirely on the amount of the balance, which does not decrease;
• interest accrued directly in the process of placing a deposit can be withdrawn - and later transferred to a special card account;
• the accrued interest itself is accrued on the amount of the deposit - and if they are not transferred to another account, then the income will be significantly increased in the following periods.

It is also important to remember that under certain conditions, some increase in the interest rate is possible.

To carry out this procedure, you will need:

• increase the amount of the deposit to the next gradation;
• conclude an additional agreement regarding the minimum balance.

It is necessary to remember about a large number of restrictions that are imposed on the amount of the deposit.

For example, if the maximum maximum amount is increased for some reason, a reduced percentage will be charged on the excess amount. It will be ½ of the maximum.

It is important to take this moment into account before replenishing the deposit itself. Since in the future the yield on the amount of excess will be 2 times lower. In this case, the lowering rate is charged from the day when the excess is calculated.

It is possible to make a deposit for trust management. It is understood that there will be a process of carrying out various transactions by a third party.

To do this, it is mandatory to issue a notarized power of attorney. Otherwise, trust management cannot be performed.

How to open a deposit

The algorithm for opening a deposit is quite simple. It is described in detail directly on the official website of the bank itself.

At the moment, the process of registration through a bank branch is as follows:

• collection of all necessary documents;
• a special agreement is drawn up for the deposit itself;
• the required amount of money is deposited into a special current account.

An alternative is to issue the type of deposit in question via the Internet. To do this, it will be necessary to first register with Sberbank-online.

This can be done only in the office of the bank itself, there are no alternatives. You will need to provide an email address as well as a phone number. Only after that it will be possible to carry out the process of registration of the deposit.

The algorithm for opening a savings account via the Internet is as follows:

• go to the official website of Sberbank;
• we carry out authorization using a previously assigned login and password, enter a special confirmation code;

• select the "Deposits" section;

• click on the product you need in this case and transfer the required amount of funds.

Documentation

To open a deposit, you need only one document - an identity document. In a specific case, it is the passport that is meant.

An employee of the institution fills out all the required documents precisely when using the passport of an individual.

It often happens that for some reason, the client of the bank cannot open a deposit on his own or cannot carry out operations on it. In this case, there is a simple way out of the situation.

It will be enough just to find a trusted person who will carry out all the necessary actions. But in addition to the passport of the individual himself, the trusted citizen will need some other documents.

The list of those includes the following:

No alternatives are allowed. Also, quite often, parents or other persons (adoptive parents, guardians and trustees) wish to open a deposit for their child.

In this case, you will also need a passport of the client himself and a birth certificate of the child.

If there is an opening by the adoptive parent, some other papers may be needed. For example, a court decision or something else. There are some nuances associated with this issue. It is best to deal with all of them in advance.

How to close

If necessary, it is quite simple to carry out early termination of the agreement on the use of the deposit.

At the moment, the conditions for early termination are:

• in any situation, regardless of the circumstances;
• if the deposit is up to 6 months, then closing is carried out at a percentage of 0.1% per annum.

The process of closing a deposit is best done directly at the bank. You will need to visit the office, as well as draw up a special application.

Pitfalls of the “Manage” deposit in Sberbank

It is important to remember some of the nuances of this deposit in Sberbank. The main and most significant pitfalls include:

How to calculate, example

The payment process itself is carried out directly on the official website of this bank.

To make all the necessary calculations, you will need to follow the following algorithm:

• go to the site in the section of the "Manage" deposit;
• enter all the necessary data:
  • currency;
  • date of opening/closing of the deposit;
  • deposit term in days;
  • deposit amount;
  • interest capitalization;
  • the value of the irreducible balance;
  • replenishment regularity;
• click on the "calculate" button.

Today, Sberbank is one of the banks in which the process of making a deposit takes a minimum amount of time. But before concluding the appropriate type of contract, you need to carefully read all the nuances.

Video: Deposits with interest capitalization