Profitable deposits in Sberbank in 2017, latest news

New Year's deposit in Sberbank 2017 for pensioners

Sberbank deposits for individuals in 2017, new profitable deposits "Just 7%" and "Just 6.5%". What deposits are best for investors? Maximum interest on deposits?

Sberbank, which in mid-October raised the rates of all dollar deposits by 0.01-0.26 percentage points, on Thursday offered depositors two new New Year's ruble deposits with increased income - "Just 7%" and "Just 6.5%".

The “Just 7%” deposit with a maximum rate of 7% per annum can be issued in the Internet bank and the Sberbank Online mobile application, as well as in Sberbank ATMs. The "Just 6.5%" deposit with a maximum rate of 6.5% per annum is available in all branches of Sberbank serving individuals, the bank's message indicates.

Sberbank deposits for individuals in 2017. When can I open new profitable deposits "Just 7%" and "Just 6.5%".

Deposits "Just 7%" and "Just 6.5%" can be opened until December 31, 2017. Both deposits are opened for 5 months in the amount of at least 100,000 rubles. Interest is calculated at the end of the term. Additional contributions and debit operations on deposits are not provided.

According to i. O. Maxim Stepochkin, director of the Borrow and Save division of Sberbank, new deposits are an opportunity for clients to “place their money securely and profitably”.

Sberbank deposits for individuals in 2017. What was the maximum interest rate on Sberbank deposits before?

Before the appearance of new deposits, the maximum rate of a retail deposit opened at a branch of Sberbank was 5.1% per annum, and remotely - up to 5.6%. Both rates are assigned when placing for 3-6 months at least 700,000 rubles. Thus, after the introduction of new deposits, the maximum rate at Sberbank increased from 5.6 to 7% per annum. The last time Sberbank offered seasonal deposits with a rate of 6.5-7% per annum to depositors was in July-August 2017.

Interest rates on deposits in rubles and savings certificates of Sberbank, latest news.

Simultaneously with the introduction of new deposits, Sberbank changed the rates on deposits in rubles and savings certificates from November 9. Investment rates for a period of 6 months to a year were increased by 0.05 percentage points. And for terms from 2 to 3 months and from 1 year to 3 years, on the contrary, they are lowered by 0.05-0.25 percentage points.

At the same time, the maximum rate in the basic line of deposits has decreased and is 5.50% (Save Online deposit for a period of 6 months to 1 year).

Sberbank deposits for individuals in 2017, new profitable deposits "Prosto". Sberbank comment.

On the one hand, this was the result of a decrease in the key rate of the Central Bank, on the other hand, it was caused by the interest of customers in placing ruble funds in medium-term deposits up to a year, Sberbank explained to Vedomosti.

According to the unconsolidated financial statements of Sberbank, since August, the amount of funds of individuals in it has been gradually decreasing: from 11.636 trillion rubles. up to 11.515 trillion rubles. on November 1st. The Bank, in its commentary, indicated that in October the volume of attracted funds from the population increased, including by attracting more than 30 billion rubles. from individuals as part of the bank's bond issue. The ruble strengthening factor leads to a decrease in the nominal value of foreign currency deposits, but in real terms, taking into account investments in the bank's bonds, growth is observed, a representative of Sberbank said.

“The short-term offer of a deposit with increased income is a matter of regulating the funding structure, which needs to be balanced from time to time. Perhaps seasonal contributions are needed in order to balance outflows from other segments, which may be associated with some seasonal reasons. Also, the appearance of seasonal deposits with large banks may be due to the need for additional ruble liquidity,” says Pavel Samiev, Managing Director of the National Rating Agency.

Sberbank deposits of individuals 2017, interest on deposits

Sberbank has launched new deposits "Just 7%" and "Just 6.5%" timed to coincide with the approaching New Year.

The “Just 7%” deposit with a maximum rate of 7% per annum can be made in the Internet bank and the Sberbank Online mobile application, as well as at Sberbank ATMs. The "Just 6.5%" deposit with a maximum rate of 6.5% per annum is available in all branches of Sberbank serving individuals.

“On the eve of the New Year, Sberbank gives its clients a new opportunity to securely and profitably place their money,” commented the acting director. Maxim Styopochkin, director of the Borrow and Save division of Sberbank. - Among the advantages of deposits "Just 7%" and "Just 6.5%" is an attractive interest rate for fairly small amounts."

Deposits "Just 7%" and "Just 6.5%" can be opened until December 31, 2017 inclusive. Both deposits are opened in rubles, the placement period is 5 months. The minimum amount of deposits is 100 thousand rubles, interest is accrued at the end of the deposit term. Additional contributions and debit operations on deposits are not provided.

What is the most profitable and profitable deposit in Sberbank in 2020: read how to choose and open a deposit with a higher interest rate today.

Sberbank, perhaps, primarily attracts depositors with its stability. It is no secret that the registration of deposits of individuals in Sberbank is one of the most reliable ways to invest money today. Sberbank is the largest bank in Russia in terms of retail deposits and ranks first in the ratings for assets, equity, and many others.

You can open a Sberbank deposit not only in Moscow, St. Petersburg or another large city, but even in small towns, since there are a lot of branches.

Of course, many banks in Russia offer depositors higher interest rates. But even in the updated line of Sberbank today you can find savings programs with high interest rates. So let's consider what is the most profitable deposit in Sberbank in 2020.

What is the most profitable deposit of Sberbank today

Like many banks, Sberbank today has savings programs for ordinary individuals and premium customers. Of course, the latter are a little more profitable, but due to the large initial contribution and a number of other requirements, not everyone can make premium deposits. We will return to them below, but for now we will consider the most profitable products from the basic line that anyone can arrange.

1. The most profitable deposits from the basic line

More recently, in order to issue any of the basic deposits in Sberbank at the highest interest rates, you needed a computer or phone with an Internet connection, or at least an ATM. This was important because when opening a deposit in the Sberbank-Online Internet bank, an ATM or a self-service device, the interest rate was higher. But today this rule does not work!

Now the profitability of basic deposits does not depend on the method of registration, but varies only on the amount and term.

Accordingly, the rates for online deposits and those opened at a bank branch are the same.

Seasonal deposit of Sberbank "Catch the Spring"

This is a new promotional deposit that can be issued only 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.

(-) 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

Sberbank deposit with a high interest rate

This savings program will be useful for safe keeping of your money and getting a guaranteed income.

(+) Plus: high profitability.

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

Conditions

• Term: 1 month. - 3 years;
• Replenishment: not provided
• Partial withdrawal: not allowed, except for accrued interest.
• Interest accrual: monthly. Accrued interest can be withdrawn, as well as transferred to the card account.
• The accrued interest is added to the amount, increasing income in the following periods.

Interest rate

from 1000 capitalization
from 100000 capitalization
from 400000 capitalization

In dollars

from 100 capitalization
from 3000 capitalization
from 10000 capitalization
from 200000 capitalization

Doesn't fit? See the percentage of deposits in VTB Bank -

Deposit calculator

Sberbank deposit

A replenishable deposit for those who prefer to save and regularly save their funds using the convenient and reliable Sberbank Internet Bank.

(+) Plus: it is possible to replenish the account.

(-) Minus: there is no possibility of partial spending of money without losing interest.

Conditions

• Term: from 3 months to 3 years;
• Amount: from 1000 rubles / 100 US dollars;
• Replenishment: provided;
• Minimum deposit: in cash - from 1,000 rubles / 100 US dollars, non-cash - unlimited;
• Partial withdrawal: not allowed;
• Capitalization: provided.

Interest rate

In dollars

from 100 capitalization
from 3000 capitalization
from 10000 capitalization
from 200000 capitalization

See also: 50 most profitable deposits today -

Sberbank deposit

This is a savings program for free money management with the ability to use part of the funds without losing interest.

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

(-) Minus: low profitability.

Conditions

• Term: from 3 months to 3 years;
• Amount: from 30,000 rubles. / $1,000;
• Replenishment: provided. Cash - from 1000 rubles. / $100; Cashless - unlimited;
• Partial withdrawal: allowed up to the level of the minimum minimum balance without loss of accrued interest.

Interest rate

from 30000 capitalization
from 100000 capitalization 0.01%
from 10000 capitalization
from 200000 capitalization

Not enough? See the conditions for storing money in the Russian Agricultural Bank -

Sberbank's contribution "Give life"

This deposit for individuals is charitable. Part of the funds is directed to help children with oncological, hematological and other serious diseases. Every 3 months, Sberbank transfers an amount of 0.3% per annum of the deposit amount to the Podari Zhizn charitable foundation.

Conditions

• Term: 1 year
• Currency: Ruble
• Amount: from 10,000 rubles
• Replenishment: not provided
• Partial withdrawal: not provided
• Capitalization: provided.

Interest rate

4.50% per annum (4.58% per annum with capitalization).

The most profitable deposit of Sberbank in 2020: which one to issue

Let's try to find out which of Sberbank's basic deposits is the most profitable today. The easiest way is to compare percentages. But since the deposit rates change depending on the duration of the investment, we will compare the profitability for specific periods.

Let's say you need to invest 500 thousand rubles up to 1 year. Which contribution do you prefer? For clarity, the site compiled a comparative table, where they indicated the best offer for a specific investment period.

	Income after 1 year and the amount of 500,000 rubles.
gift a life	22 946

As you can see, with a period of 1 year, the “Give Life” charitable deposit can be considered the most profitable today.

When investing for 5 months, the most profitable today will be the seasonal promo deposit “Catch the Spring”.

But when investing money for other periods, the deposit "" gives the maximum income.

And if you intend to save money, then pay attention to the “Replenish” deposit. If you need to be able to withdraw part of the money from the bank at any time, then the “Manage” deposit will be the most profitable for you.

And finally, the most important thing. If you want to invest more than 700,000 rubles, then it may be most preferable for you to open a deposit with a higher rate for premium clients.

It is known that competent investors are advised not to put their eggs in one basket - to keep money in different places. For example, open a deposit, buy shares or currency. But if it’s better for many not to get involved with stocks and bonds, since you can burn out badly, then opening deposits not only in rubles (see the table of interest rates for Sberbank’s ruble deposits), but also deposits in foreign currencies - dollars and euros - this is a good way to invest money.

Foreign currency deposits for Sberbank clients are a chance to earn on interest and exchange rate fluctuations in 2020.

You need to know that deposits in foreign currency in Sberbank are insured by the state, but payments, in the event of a license revocation, are made in rubles. Although, of course, Sberbank customers need not worry. The reliability of the bank is beyond doubt.

What currency deposits are there in Sberbank today

The line of savings programs of Sberbank in foreign currency includes three main types of deposits:

Save - maximum bet,

Replenish - with the possibility of replenishment,

Manage - with the possibility of partial withdrawal of money without loss of interest.

Deposits are opened both in the branch and remotely.

In what currency can I open deposits at Sberbank

Deposits in foreign currency in Sberbank of Russia today can only be opened in US dollars, and a Savings account is issued in euros.

✓ In dollars

To make a foreign currency deposit at Sberbank of Russia, it is enough to have 100 dollars. But some deposits have a minimum deposit amount of $1,000. The maximum rate in US dollars can be obtained if you open a non-replenishable deposit without partial withdrawal.

✓ In Euro

Deposits of the Savings Bank of Russia in euros are now temporarily not accepted. Clients wishing to place Eurocurrency in the bank are offered to use the Savings Account at the rate of 0.01 percent per annum.

Sberbank deposits in foreign currency in 2020: base rates

These conditions and interest rates are for regular customers who do not have premium packages.

Deposits "Save" and "Save Online"

Deposit to receive a guaranteed maximum income.

Conditions

☑ Non-refillable

☑ Without partial removal.

Interest rate

without capitalization
with capitalization

Term and amount	1-2 m.	2-3 m.	3-6 m.	6-12 m.	1-2 g	2-3 g	3 g
					0.65 / 0.65
					0.75 / 0.75
					0.80 / 0.80
					0.85 / 0.85

Deposits "Replenish" and "Replenish Online"

A replenishable deposit for those who prefer to save and save their funds regularly.

Conditions

☑ Refillable

☑ Without partial removal

☑

☑ Minimum amount: 100 USD.

Interest rate

without capitalization
with capitalization

when applying at the branch and online, the rates are the same today:

Term / amount	3-6 m.	6-12 m.	1-2 years	2-3 years	3 y.
			0.30 / 0.30
			0.40 / 0.40
			0.45 / 0.45
			0.50 / 0.50

Deposits "Manage" and "Manage Online"

A deposit with the possibility of replenishing and withdrawing part of the funds without losing interest.

Conditions

☑ Refillable

☑ With partial removal

☑ Minimum amount: $1,000.

Interest rate

without capitalization
with capitalization

when applying at the branch and online, the rates are the same today:

Term and minimum balance	3-6 m.	6-12 m.	1-2 years	2-3 years	3 y.
			0.20 / 0.20
			0.25 / 0.25
			0.30 / 0.30

Sberbank Premier deposits in foreign currency: increased rates

Sberbank foreign currency deposits with higher interest rates can now be opened by customers with the current Sberbank Premier / Sberbank First service package. They are issued by a personal manager or in Sberbank Online. The line of deposits in Sberbank Premier currency is similar to the base one, only the minimum deposit amount and interest rates are higher.

Deposit "Special Save"

Available for registration only for individuals with the Sberbank Premier/Sberbank First service package.

Conditions

Term: from 1 month to 3 years inclusive;
Replenishment: not provided;
not provided.

Interest rates

up to 1.15% in USD.

Deposit "Special Replenish"

Conditions

Term: from 3 months to 3 years inclusive;
Minimum amount: $50,000;
Replenishment: provided;
Partial withdrawal without loss of interest: not provided.

Interest rates

up to 0.75% in USD.

Contribution "Special Manage"

Conditions

Term: from 3 months to 3 years inclusive;
Minimum amount: $50,000;
Replenishment: provided;

Interest rates

up to 0.55% in USD.

Deposits of Sberbank First in foreign currency: maximum rates

The interest rates in these premium deposits are higher than those of regular deposits. But the minimum amount is higher. Deposits today can only be opened in dollars. This can only be done by customers with a valid Sberbank First service package.

Deposit "Leader Save"

Available for registration only for individuals with the Sberbank First service package.

Conditions

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

Interest rates

up to 1.65% in USD.

Deposit "Special Replenish"

Available for registration only for customers with the Sberbank Premier/Sberbank First service package.

Conditions

Term: from 3 months to 3 years inclusive;
Minimum amount: $150,000;
Replenishment: provided;
Partial withdrawal without loss of interest: not provided.

Interest rates

up to 1.25% in USD.

Contribution "Special Manage"

Available for opening only by individuals with the Sberbank Premier/Sberbank First service package.

Conditions

Term: from 3 months to 3 years inclusive;
Minimum amount: $150,000;
Replenishment: provided;
Partial withdrawal without loss of interest: provided.

Interest rates

up to 1.00% in USD.

Conditions for calculating interest on deposits of Sberbank in foreign currency

Interest is calculated monthly.

Accrued interest is added to the amount of the deposit, increasing income in the following periods.

Accrued interest can be withdrawn, as well as transferred to the card account.

Conditions for early termination of foreign currency deposits of Sberbank

in any unforeseen situation, if you need money before the end of the deposit, you can always get it.

✓ on deposits for up to 6 months (inclusive) - at an interest rate of 0.01% per annum

✓ for deposits for more than 6 months:

When claiming a deposit within the first 6 months of the main (extended) term - based on the interest rate of 0.01% per annum;

When claiming a deposit after 6 months of the main (prolonged) period - based on 2/3 of the interest rate set by the Bank for this type of deposits on the date of opening (prolongation) of the deposit.

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

How to open currency deposits of Sberbank

In the department:

Contact the Sberbank branch in your region with a passport or other identification document.
- Sign the deposit agreement.
- Deposit an amount in US dollars into your account.
- The deposit is open.

Remotely:

Log in to Sberbank Online and select the "Deposits and Accounts" section.
- Select the menu item "Opening a deposit".
- Read the conditions for placing funds and select the appropriate deposit. Click Continue.
- Fill out the application: select the debit account, the amount to be credited and the term. Click "Open".
- The deposit is open.

How to make currency deposits Sberbank Premier or First

A bank deposit is a simple and convenient way for the population to receive passive income, without effort and risk. All deposits for individuals in Sberbank are insured, and the image and reliability according to international ratings are beyond doubt. In 2019, the leading Russian bank offers an optimal product line that allows you to realize any investment goals.

Each term deposit of Sberbank has its own characteristics in terms of conditions. To choose the best option for yourself, you need to pay attention not only to the interest accrued on the balance, but also to other parameters of the banking product.

For some deposits, Sberbank makes special investment conditions for pensioners. In addition, it is possible to open an account in the name of the child, to transfer state payments from the budget.

When choosing a new deposit, you need to pay attention to:

• The amount of the minimum deposit to open an account.
• The ability to withdraw part of the money (accruals or a share of the principal amount).
• The possibility of replenishment to increase the amount on which income is accrued.
• Currency. In this matter, priorities depend on the wishes of the client.

Other parameters of the contract are also important - prolongation, capitalization. Sberbank implemented these opportunities for any contribution, the agreement is extended at the end of the term, and accrued interest will increase the principal amount.

Overview of Sberbank deposits

Today, Sberbank has several updated options for investing money at interest. The line of banking products includes:

• Classic cash deposits.
• Special conditions for pensioners.
• Perpetual deposits are special accounts, on the balance of funds on which the bank charges interest.

When making a deposit through the Sberbank Online personal account, the client receives a higher rate than when opening it at the bank's operating office. Other conditions remain unchanged.

With the exception of termless deposits, in case of early termination of the agreement, the accrued interest declining. Capitalization is canceled, and the yield is recalculated at 0.01% if the money was kept for less than six months, or up to 2/3 of the rate. Moreover, the rules are the same for both the first contract and the extended one.

Conditions for pensioners may be more favorable - regardless of the amount, the bank will set the maximum rate. If the depositor has reached retirement age after making a deposit, then the new conditions will come into force after the prolongation.

When renewing the contract, the conditions in force at the date of renewal apply. That is, the interest rate on the deposit can be changed. The number of extensions is not limited.

For each deposit, there is now a condition for the maximum amount, it is equal to the amount of the investment at the end of the opening day, increased by 10 times. General conditions apply to this investment amount, but if the deposit exceeds the limit, not the full percentage, but 2/3, is charged on the difference. For example, if a depositor contributed 100 thousand rubles at 6%, then the limit amount will be 1 million. If the balance is increased to 1.5 million rubles, then 6% per annum will be credited for 1 million, and 4% per 500 thousand (2 /3 from 6%).

Tariff "Save"

It is profitable to open a banking product to save money, that is, to replenish a certain amount that the owner does not want to spend for some time. Replenishment or partial withdrawal of money during the period of the contract is not provided, the income is accrued on the funds deposited during registration.

Basic conditions:

1. The minimum deposit to be put into the account is 1,000 rubles, for dollar deposits - 100 US dollars.
2. The term of the contract is from 1 month to 3 years.
3. The rate per year is up to 5.75% if you open an account with Sberbank Online, up to 5.6% if you register at a bank branch.
4. Currency - Russian rubles, US dollars.

Amount (from, rub.) /term (month)	1-2	2-3	3-6	6-12	12-24	24-36	36
1 thousand	4,2/4,2	4,5/4,51	5,05/5,07	5,35/5,41	5,45/5,59	5,45/5,74	5,45/5,91
100 thousand	4,35/4,35	4,65/4,66	5,2/5,22	5,5/5,56	5,6/5,75	5,6/5,91	5,6/6,08
400 thousand	4,5/4,5	4,8/4,81	5,35/5,37	5,65/5,72	5,75/5,9	5,75/6,08	5,75/6,26
700 thousand	4,5/4,5	4,8/4,81	5,35/5,37	5,65/5,72	5,75/5,9	5,75/6,08	5,75/6,26
2 million	4,5/4,5	4,8/4,81	5,35/5,37	5,65/5,72	5,75/5,9	5,75/6,08	5,75/6,26

Amount (from, USD) /term (month)	1-2	2-3	3-6	6-12	12-24	24-36	36
100	0,15/0,15	0,35/0,35	0,65/0,65	1,35/1,35	1,7/1,71	1,7/1,73	1,7/1,74
3 thousand	0,2/0,2	0,4/0,4	0,7/0,7	1,4/1,4	1,75/1,76	1,75/1,78	1,75/1,8
10 thousand	0,2/0,2	0,4/0,4	0,7/0,7	1,4/1,4	1,75/1,76	1,75/1,78	1,75/1,8
20 thousand	0,3/0,3	0,5/0,5	0,8/0,8	1,5/1,5	1,85/1,87	1,85/1,88	1,85/1,9
100 thousand	0,3/0,3	0,5/0,5	0,8/0,8	1,5/1,5	1,85/1,87	1,85/1,88	1,85/1,9

The rate will decrease by 0.15% if you open a deposit at a bank office.

Persons of retirement age receive the maximum interest rate within the time period, regardless of the investment amount. That is, if you open an account for 3 years, you can deposit any amount, the income will be maximum - 5.75 for rubles, 1.85 for dollars.

Deposit "Top up"

A deposit account is best suited for saving money and extracting additional profit in the form of accrued interest. Main product parameters:

• The minimum deposit is from 1 thousand rubles. or from 100 US dollars.
• Replenishment: in cash from 1 thousand rubles. or from 100 dollars, by bank transfer - without restrictions.
• Withdrawal of part of the deposit is not provided, but it is permissible to withdraw accrued interest on the map.
• Calculation of profitability - once a month.
• Investment term 3 months. - 3 years.

Rate range (base/cap):

Conditions for a deposit in dollars (base / with capitalization):

Amount (from, thousand dollars) /term (month)	3-6	6-12	12-24	24-36	36
0,1	0,35/0,35	0,95/0,95	1,3/1,31	1,3/1,32	1,3/1,32
3	0,4/1,0	1,0/1,0	1,35/1,36	1,35/1,37	1,35/1,38
10	0,4/0,4	1,0/1,0	1,35/1,36	1,35/1,37	1,35/1,38
20	0,5/0,5	1,1/1,1	1,45/1,46	1,45/1,47	1,45/1,48
100	0,5/0,5	1,1/1,1	1,45/1,46	1,45/1,47	1,45/1,48

When drawing up an agreement at the operating office of Sberbank, the rates are lower by 0.15%.

Retirees receive the maximum rate set for the selected term, regardless of the investment amount. You can withdraw the income received from the investment to a Sberbank card or to a deposit, capitalizing interest.

A separate product is "Replenish", issued in the name of the child. The rates are fixed, regardless of the opening method.

Basic/with capitalization:

Interest on the deposit in dollars (base/with capitalization):

Amount (from, thousand dollars) /term (month)	3-6	6-12	12-24	24-36	36
0,1	0,01/0,01	0,6/0,6	0,95/0,95	0,95/0,96	0,95/0,96
3	0,1/0,1	0,7/0,7	1,05/1,06	1,05/1,06	1,05/1,07
10	0,15/0,15	0,75/0,75	1,1/1,11	1,1/1,11	1,1/1,12
20	0,2/0,2	0,8/0,8	1,15/1,16	1,15/1,16	1,15/1,17
100	0,2/0,2	0,8/0,8	1,15/1,16	1,15/1,16	1,15/1,17

Any third party will be able to replenish the account. From the age of 14, the child will have the opportunity to independently deposit money and withdraw accrued interest, and from the age of 18 - full access to investments.

Tariff "Manage"

"Manage" - a deposit with flexible conditions that allow you to fully manage investments: replenish, withdraw part of the money. It is enough to have the necessary minimum on the account during the term of the contract.

Basic conditions:

• Currency - rubles or dollars.
• The minimum deposit is 30 thousand rubles. or 1 thousand dollars.
• Term from 3 to 36 months.

Below are the rates for ruble deposits, basic / with capitalization, when drawing up an agreement in your Sberbank Online personal account:

Conditions for dollar deposits: basic/with capitalization, when signing an agreement in your Sberbank Online personal account:

Amount (from, thousand dollars) / term (months)	3-6	6-12	12-24	24-36	36
1	0,25/0,25	0,75/0,75	1,2/1,21	1,2/1,21	1,2/1,22
3	0,3/0,3	0,85/0,85	1,25/1,26	1,25/1,27	1,25/1,27
10	0,3/0,3	0,85/0,85	1,25/1,26	1,25/1,27	1,25/1,27
20	0,4/0,4	0,9/0,9	1,35/1,36	1,35/1,37	1,35/1,38
100	0,4/0,4	0,9/0,9	1,35/1,36	1,35/1,37	1,35/1,38

If you sign an agreement at a bank branch, then the rates will decrease by 0.15 - 0.13%.

The bank accrues interest once a month, they can be withdrawn to the card or sent for capitalization to the main deposit account. Cash replenishment is carried out from the amount of 30 thousand rubles. or from 1 thousand dollars, cashless way without restrictions.

Partial withdrawal provides for the withdrawal of the amount of accrued interest, as well as part of the deposit up to the minimum balance (30 thousand rubles or 1 thousand dollars).

Social deposit

The banking product has its target audience - orphans, left without parents, veterans or invalids of the Second World War. Conditions are simplified as much as possible:

• Term 36 months.
• The minimum balance amount is 1 p.
• The rate is fixed - 4.75% per year, regardless of the method of opening, the amount of investment. If the contract is drawn up for a child, upon reaching the age of majority, the rate changes and complies with the terms of the On Demand product.
• Currency - rubles.
• Replenishment - without restrictions.
• Withdrawal - without loss of interest up to the amount of the minimum balance (up to 1 p.).

Investment income is accrued once a quarter and capitalized. The conditions for a deposit account are flexible - money can be freely managed and receive a high percentage of any amount.

Charitable deposit "Give Life"

The contribution will allow Sberbank clients to participate in charity - once a quarter, 0.3% of the investment amount is transferred to the Give Life fund. Tariff conditions:

• Investment - from 10 thousand rubles.
• Term - 1 year.
• Interest - 5.65% per annum basic, 5.77% in capitalization.
• Replenishment is not provided, withdrawal is not provided (only with loss of interest).
• Currency - Russian rubles.

Deposit for pensioners "Pension plus"

Tariff conditions:

• The rate is fixed - 3.5% per annum basic, 3.55% with capitalization.
• Replenishment - without restrictions.
• Early withdrawal of money - any amount, up to the minimum balance.
• The minimum minimum balance is 1 ruble.
• Receipt of income in the form of interest - once a quarter.

The banking product is more accessible to all persons of retirement age who receive contributions from the Pension Fund of the Russian Federation.

"Poste restante"

This is the easiest option for a cash deposit at Sberbank. The investor is not limited in time, can freely replenish the account or withdraw money in any way. The choice of currency is quite wide - rubles, American, Canadian, Australian and Singaporean dollars, euros, pounds sterling, Swiss francs, Swedish, Danish and Norwegian kroner, Japanese yen.

Interest rate - 0.01% per annum, the minimum deposit for ruble deposits - 10 rubles, for foreign currency - 5 units. Calculation of income - quarterly.

Deposits with higher rates in Sberbank Premier and Sberbank First

As part of the connected Sberbank Premier service package, the depositor receives more favorable conditions for profitability. The bank increases interest by 1 point for all products:

1. Save. Rate up to 6.2% in rubles, up to 2.35% for investments in US dollars. The minimum deposit is 700 thousand rubles / 50 thousand dollars. The term is 1-36 months, without replenishment and withdrawal.
2. Replenish. For ruble deposits, the bank will charge up to 5.65%, for foreign currency - 1.95%. Investment from 700 thousand rubles. or from 50 thousand US dollars, for a period of 3 to 36 months. Withdrawal is not provided, replenishment is unlimited.
3. Manage. The tariff allows free replenishment and withdrawal of money. The rate for ruble accounts is up to 5.35%, for foreign currency accounts - up to 1.75. Investment term from 3 months to 3 years.

Registration of the Sberbank First package will allow you to make investments in rubles, US dollars or Euro, the last currency is not available for other clients. The product line remains the same, but the rates are higher (ruble accounts - investment from 5 million rubles, dollar accounts - investment from 150 thousand, in euros - investment from 150 thousand):

1. Save: ruble accounts - rate up to 6.85%; dollar - rate up to 3%; in euro – the rate is up to 0.2%.
2. Replenish: ruble accounts - rate up to 6.3%; dollar - rate up to 2.6%; in euro – the rate is up to 0.1%.
3. Manage: ruble accounts - rate up to 6.2%; dollar - rate up to 2.4%; in euro – the rate is up to 0.05%.

How to open an account: documents and methods

Of the documents, an individual will only need a valid Russian passport. There are two ways to open a deposit account:

• In the branch of Sberbank. This is a simple, but not the most profitable option.
• In the personal account of Sberbank Online. This method will allow you to get a higher rate, but requires a bank plastic card, up-to-date personal data provided to the service office (if you change your passport or full name, you must notify the bank).

An account is opened instantly with any of the two options. You can deposit money in cash or by bank transfer by transferring from a card. Also, in the personal account, the user will be able to quickly monitor the accumulation process, withdraw interest, replenish the balance and even terminate the contract.

Using the online calculator on the deposit description page on the Sberbank website, you can find out how much money the investment will bring. The calculation is simple: just enter the amount, term and check the boxes next to the additional conditions.

Pros and cons of Sberbank products

The key advantage of Sberbank of Russia today is flexible conditions and an optimal line of banking products. Investors can choose between saving, saving and managing finances - tariffs are optimized for specific needs. There is also a standard product "On Demand", which is the base for most banks.

The rates are quite competitive, especially when connecting Sberbank First or Sberbank Premier. Also, the pluses include free account management through online banking. To replenish or withdraw money, you do not need to visit a branch, all operations can be done from home or office.

Activating the Green Street service will allow you to manage your deposit through any Sberbank operating office. The depositor will be able to replenish the account or close it, being in any locality of the country where there is a bank branch.

The disadvantages include a restriction on the type of currency - standard conditions involve investments in rubles or US dollars. You can invest in euros only when you connect a premium package of services or on special accounts. The latter seriously reduces the annual rate and, accordingly, the final yield.

Sberbank offers a wide range of deposits for individuals. Each program has its own characteristics, which gives you a choice and allows you to manage your capital more efficiently. In 2017, the bank offers relatively low interest rates on deposits, but guarantees high reliability and provides ample opportunities, including remote management. Raising funds for deposit certificates of Sberbank is currently suspended.

Deposits for individuals are provided with various interest rates, which are the best solution for saving, accumulating and generating income. The client can place funds with the possibility of replenishment, withdrawal or without it, but with maximum profitability.

Deposits are the most popular investment option for individuals in the Russian Federation. So the population solves two problems - it guarantees the safety of their savings and receives a profit from the placement. Today, the interest on deposits in Sberbank varies, depending on the terms of placement. Money can be deposited for a different period, withdraw income every month, invest additionally, etc. For those who are used to diversifying risks and accumulating in different currencies, there are profitable offers.

The largest bank in the Russian Federation in terms of raising funds in 2017 offers profitable savings programs for various categories of the population. Its deposit policy assumes relatively low interest rates compared to other financial institutions. This is the payment for reliability that depositors receive by entrusting their savings to the most reliable bank in Russia.

The risk of investing in a reliable and stable bank is minimal. This explains the rate below the average market. The amount of profit is influenced by a number of factors, the main ones are:

• sum;
• currency;
• term;
• the possibility of replenishment / withdrawal of funds;
• frequency of interest payments.

The line of deposit programs presented in 2017 takes into account all the needs and expectations of depositors. This allows everyone to choose the best deposits for themselves and get maximum efficiency. For those who do not know which program is best for him, a special calculator is implemented on the site. With its help, you can pre-calculate the profitability, taking into account various parameters (period, currency, capitalization possibility, etc.). For VIP clients, there are special interest rates on premium deposits with Sberbank. For business - a special depository.

"Time to Save"

By choosing this type, the client receives high profits and can take advantage of the 2017 deposit promotion - pass a simple test by registering through a social network and increase the rate by half a percent. Issued only in national currency.

• term - 4 months;
• rate - 7% (with a promotional code);
• the amount is not less than 100 thousand rubles.

It is impossible to withdraw money before the end of the contract without loss of interest income, replenishment is not provided.

Interest on the deposit is accrued at the end of its term and can be withdrawn in cash or transferred to another account. Everyone can draw up an agreement not only at a bank branch, but also independently - through self-service terminals or in the Internet bank.

"Save"

Such a deposit in Sberbank is suitable for clients who expect to receive the maximum income. This is the best option for those who are ready to deposit a certain amount for a specific period. Despite the fact that during the term of the contract its parameters do not change, the advantage of the program is a high percentage. The yield for each currency varies and depends on a number of factors, primarily the amount / term. There is a special offer for pensioners - they receive the maximum deposit rate, regardless of how long and how much money was placed. The minimum amount is 1000 rubles. The offer is also valid for US dollars, euros - at least 100 USD.

The maximum profit for a depositor from ruble deposits is up to 5.15% (depending on the term/amount). For US dollars, it is lower - up to 1.05% and also depends on the placement parameters. For the euro currency, the yield is the lowest and fixed - 0.01%.

The offer is designed for those who have a certain amount that will not be spent within a certain period. It can be placed for 3-36 months (from 12 to 36 months for euros) at a favorable interest without additional deposits or the ability to withdraw without terminating the contract. This term deposit of Sberbank provides for an automatic extension of the contract for the same period. In this case, the rate will be different - the one that is valid in the bank on the date of renewal.

In case of early termination up to 6 months, the investor receives income at the rate poste restante if the money has lain for more than six months - it is calculated as 2/3 of the rate for this type of deposit on the date of opening (prolongation).

"Replenish"

This deposit account with Sberbank for individuals is beneficial in that the depositor can deposit additional money into it during the period of the agreement. It allows you to earn more. This is the best solution for people with a steady income and excess funds. The annual percentage varies, depending on the parameters. The contract can be concluded subject to the placement of at least 1000 rubles (100 dollars or euros)

Interest rate:

• in rubles – up to 4.62%;
• in euro – 0.01%;
• in US dollars – up to 0.85%.

For pensioners today, the maximum interest rate applies, regardless of the parameters of the deposit. If the depositor has reached retirement age at the time of the agreement, the transfer to the new rate is carried out automatically.

This offer is designed for accumulation, so the client will not be able to withdraw money from the account without terminating the deposit agreement.

It is more profitable to make a non-cash payment (for example, from your card). In this case, there are no restrictions. If the client wants to do it in cash, there are requirements for the minimum amount of replenishment - 1000 rubles. or 100 dollars (euro).

With an increase in the size, the interest rate increases automatically, depending on the developed scale. Early withdrawal is carried out on conditions similar to the “Save” deposit.

"Control"

This program involves the placement and the possibility of using part of the deposit without loss of income. The client can put money at interest and manage it at his own discretion.

• Size not less than: national currency - 30,000, foreign currency - 1,000.
• Term - from 3 months. up to 36 months (from 12 to 36 months for the euro currency).
• Interest: rubles - up to 4.32%, US dollars - up to 0.50%, euro - 0.01%.

Interest income is calculated monthly. The depositor is offered the choice of withdrawing it or instructing the bank to add it to the deposit amount. If a large amount accumulates on the deposit account, which allows you to receive a higher interest, in order to change the terms of the agreement, you must sign an appropriate additional agreement. The conditions of this deposit in Sberbank in case of early termination are similar to the conditions under the Save program.

"Gift a life"

Allows you to securely place your funds and receive profit from investments. This is a social program for caring people, thanks to which you can not only earn money, but also help sick children. The Bank transfers 0.3% of the deposit to a charitable foundation once a quarter. It is issued in rubles without the possibility of replenishment or partial withdrawal. The interest rate is fixed.

• amount - not less than 10 thousand rubles;
• term - 1 year;
• the rate is 5%.

Interest income is calculated once every three months. At the end of the term, the contract is automatically renewed at the rate that was in effect on the date of renewal.

savings account

It allows you to receive a constant income for those customers who cannot predict their expenses and incomes. You can deposit money into a deposit account without any restrictions. This also applies to withdrawals - if necessary, the client can withdraw part of the funds.

A savings certificate is a good option for those who have money but are temporarily not using it.

This program is often used by people who save money for certain purposes (for study, recreation, home repairs, and others) both in rubles and in foreign currency. Conditions:

• unlimited amount;
• contract for 1 year.
• ruble account - rate up to 2.30%, currency account - 0.01%.

Along with the change in the amount, the rate automatically changes.

Online clearance

For convenience, the ability to place funds remotely has been implemented. The client can familiarize himself with the conditions and place funds without leaving home using the Internet bank. At the same time, the rate on deposits at Sberbank will be 0.5% higher than at the bank office.

The opening algorithm is quite simple and intuitive even for an inexperienced user. It is enough to select the “Open” option for the deposit, and then select the type of deposit. The client will be asked to fill out a special questionnaire and confirm their actions.

Today, Sberbank offers a line of deposits for individuals that allow you to store money and receive income at the same time. Everyone can choose for himself which of the offers is optimal for him and draw up at a bank branch or, without visiting it, remotely. For convenience, the site contains a special service - a calculator that will help you pre-calculate the economic benefit from each type of deposit, taking into account the specifics of the placement.