Sberbank deposits. How to save and increase your money: Sberbank and its deposits for individuals Sberbank holiday deposit
Sberbank changed deposit rates individuals towards the downside. In the manual of this very large bank Russia was explained that in this way the bank follows the general trend of lower interest rates that has emerged in the country. So how much high stakes on deposits in Sberbank today in Moscow, St. Petersburg and other cities of Russia, is it really profitable to place money at interest in this bank now? Let's figure it out together.
Sberbank's line of deposits today includes several deposits for different types of money management. There is a deposit for those who are ready to deposit funds for several years and not touch them in the hope of receiving the maximum interest. And there are deposits for those who need to withdraw some money from time to time or replenish their deposit. The rates for deposits with and without replenishment, respectively, are different.
At Sberbank today you can only open deposits in rubles and US dollars. The Bank temporarily does not open new deposits in euros, offering to use a Savings account in euros at a rate of 0.01% per annum.
Interest on deposits in Sberbank today – in 2020
1 Deposit "Save"- not replenished and without partial withdrawal. Deposit term: from 1 month to 3 years inclusive.
The rates on this deposit today are (% per annum):
From 2.7 to 4.5% in Russian rubles;
from 0.01 to 0.85% in US dollars.
2 Deposit “Top up”- replenished, but without partial withdrawal. Deposit term: from 3 months to 3 years inclusive.
The rates on this deposit today are (% per annum):
From 3.10 to 4.19% in Russian rubles;
from 0.01 to 0.50% in US dollars.
3 Deposit "Manage"- replenishable and with partial withdrawal. Deposit term: from 3 months to 3 years inclusive.
Rates today are (% per annum):
From 2.45 to 3.83% in Russian rubles;
from 0.01 to 0.30% in US dollars.
Sberbank holiday promotional deposit 2020
Deposit “Catch the Spring”
This is a promotional deposit for individuals that can be issued only from February 19 to March 14, 2020. Opens online and ATM only.
Conditions
Duration: 5 months.
Amount: from 50,000 rub.
Replenishment: No
Partial withdrawal: No
Interest: at the end of the term
Early termination: at a rate of 0.01%
Interest rates
5% per annum in rubles
Sberbank’s line of basic deposits today includes other deposits, for example:
☑ charitable contribution“Give Life” for a period of 1 year with an interest rate of 4.58% with capitalization in rubles,
☑ “Pension plus” for 3 years at 3.67%.
See the full list of Sberbank individual deposits with interest rates and conditions on this page >>
The most profitable Sberbank deposit today - conclusions
More recently, more high percent you can get the deposit if you open a deposit not at the bank office, but through Personal Area Sberbank Online. But today, rates on deposits opened in a bank branch and via the Internet have become equal.
This means that in order to get the maximum interest, you no longer have to make a deposit at Sberbank Online or an ATM. You can also open it at a bank branch.
How to choose Best offer? To do this, let’s calculate how much income you can get if you make each deposit for a period of 1 year and invest, for example, 400,000 rubles. To do this, use the Sberbank deposit calculator.
So, if you invest 400,000 rubles for 1 year, then the income will be as follows:
So, a simple calculation showed that with such a ratio of amount and term The most profitable deposit in Sberbank today is the “Gift of Life” deposit.
But with a term of 5 months, the “Catch the Spring” deposit has the most attractive rate of 5% per annum
If you plan to invest money for other periods, then the “Save” deposit will give the greatest income.
But this does not take into account those deposits that are available only to clients with Premium service packages.
See also:
Sberbank deposits for pensioners: increased interest >>
How to apply for the most profitable Sberbank deposit
You can open a deposit in several ways:
1.
In the Internet bank Sberbank Online.
Log in to Sberbank Online → Deposits and accounts → Opening a deposit → Select a deposit and specify the conditions → Confirm → The deposit is open!
2.
IN mobile application Sberbank Online.
Log in to the application → Deposits and accounts → Select a deposit and specify the conditions → Confirm → The deposit is open!
3.
At the ATM.
Insert the card and enter the PIN code → “Cards, deposits and loans” → “+ New Product» → Open a deposit.
4.
At a bank branch.
You can also make an online deposit in the office! To do this, you need to use a public computer, if your bank branch has one. To do this, log into Sberbank Online and follow the instructions. By the way, bank employees can help you.
Question answer
Are Sberbank deposits insured?
Yes. All deposits of Sberbank of Russia are insured in accordance with Federal law“On insurance of deposits of individuals in banks Russian Federation» No. 177-FZ dated December 23, 2003.
Is it possible to withdraw interest and in what way?
Interest added to the deposit amount can be withdrawn at any time in whole or in part. You can receive them through Sberbank Online or at the bank office.
Is it possible to open several deposits at once?
Can. The client can make any number of deposits.
This page of the Banki.ru portal provides the most current information on deposits for individuals currently operating in Sberbank of Russia. Here you will find detailed information about the conditions and interest rates for deposits of the largest Russian bank.
The line of Sberbank deposits is quite diverse and includes time deposits for various categories of citizens. Sberbank offers profitable deposits with interest capitalization, the ability to replenish and make expense transactions, multicurrency, 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 profitable investment in Sberbank?
- Compare offers from various sources - Banki.ru concludes an agreement on special more favorable conditions for your visitors.
- Study the main types of deposits and choose which program is more convenient for you:
- With interest capitalization - gives additional income, but sometimes it is more profitable to receive interest monthly.
- With replenishment - this increase in the body of the deposit now in various products may have a limitation on the possible date of the last one before the end of the replenishment agreement, and the rate here may be lower.
- The amount is no more than 1.4 million rubles - do not exceed the amount eligible for the insurance program for banking products.
Sberbank of Russia has developed for 2016 a line of excellent deposits for individuals, the maximum interest is up to 10.00% per annum.
Of course, you will say that in other banks the rate is higher, reaching 15% per annum (in stock offers, even higher), but it just so happens that the shortfall in interest in this case is the price for the reliability, stability and convenience of our “giant” banking spheres.
This line has deposits for every taste and color: with capitalization, without it ( monthly payment to the account), for those who like to top up, and for those who withdraw a lot, multicurrency (ruble, dollar, euro), and super multicurrency (the set of currencies is simply shocking), for pensioners, and those who are not indifferent to the fate of a child with cancer.
In terms of terms, deposit products are available, from 1 month to a permanent deposit (“Savings account”).
1. Deposit “Save” from Sberbank
The “Save” deposit is provided with capitalization (rate up to 9.07% per annum), and without it, with monthly transfer of interest to the card account (up to 8.05%).
Replenishment of the deposit and withdrawal from it are not permitted.
You can make a deposit for a period from 1 month to 3 years, in three currencies (maximum rate in dollars - 2.22%, euros - 1.17% per annum).
Minimum opening amount: 1000 rubles, 100 euros or dollar.
Conditions under early termination the following: if the deposit is kept for less than six months, the rate is reduced to 0.01% per annum; if the deposit is held for more than six months, 2/3 of the percentage required for this program is retained.
And one more nuance that will be of interest to our citizens of retirement age. Since the highest rates are given for large amounts (700 thousand - 2 million rubles), then for individual pensioners, a preferential condition has been introduced for 2016 - regardless of the deposit amount, the rate is set according to the maximum value, naturally, for each specific program it will be vary.
| Deposit amount | 1-2 months | 2-3 months | 3-6 months | 6-12 months | 1-2 years | 2-3 years | 3 years |
|---|---|---|---|---|---|---|---|
| from 1,000 to 100,000 | 6,30 (6,30*) | 6,70 (6,72) | 7,10 (7,14) | 7,40 (7,52) | 7,55 (7,82) | 7,55 (8,12) | 7,55 (8,44) |
| from 100,000 to 400,000 | 6,45 (6,45) | 6,85 (6,87) | 7,25 (7,29) | 7,55 (7,67) | 7,70 (7,98) | 7,70 (8,30) | 7,70 (8,63) |
| from 400,000 to 700,000 | 6,60 (6,60) | 7,00 (7,02) | 7,40 (7,45) | 7,70 (7,82) | 7,85 (8,14) | 7,85 (8,47) | 7,85 (8,82) |
| from 700,000 to 2,000,000 | 6,80 (6,80) | 7,20 (7,22) | 7,60 (7,65) | 7,90 (8,03) | 8,05 (8,35) | 8,05 (8,70) | 8,05 (9,07) |
| from 2,000,000 | 6,80 (6,80) | 7,20 (7,22) | 7,60 (7,65) | 7,90 (8,03) | 8,05 (8,35) | 8,05 (8,70) | 8,05 (9,07) |
2. Deposit “Manage”– withdrawal without loss of interest
The main advantages of this product are withdrawals and replenishments throughout the entire deposit period.
Withdrawals are only possible up to the minimum balance.
Duration from three months to three years, minimum amount: 30 thousand rubles, 100 euros or a dollar (you can top up from 1 thousand rubles).
Interest accrual at your choice: either with capitalization back to the account, or monthly withdrawal(for example on bank card) .
The maximum interest is 7.31% per annum (capitalization), 7.20% - if you choose monthly interest withdrawal (in euros up to 0.86%, dollars - 1.80%).
| Deposit amount | 3-6 months | 6-12 months | 1-2 years | 2-3 months | 3 years |
|---|---|---|---|---|---|
| 30 000 | 6,55 (6,59*) | 6,70 (6,79) | 6,00 (6,17) | 5,95 (6,30) | 5,85 (6,38) |
| 100 000 | 6,70 (6,74) | 6,85 (6,95) | 6,15 (6,33) | 6,10 (6,47) | 6,00 (6,56) |
| 400 000 | 6,85 (6,89) | 7,00 (7,10) | 6,30 (6,49) | 6,25 (6,64) | 6,15 (6,74) |
| 700 000 | 7,05 (7,09) | 7,20 (7,31) | 6,50 (6,70) | 6,45 (6,86) | 6,35 (6,97) |
| 2 000 000 | 7,05 (7,09) | 7,20 (7,31) | 6,50 (6,70) | 6,45 (6,86) | 6,35 (6,97) |
Note: * – rate for interest capitalization.
3. Deposit “Top up”– choose the best conditions
An excellent product of Sberbank, for those who prefer to save money gradually, but at the same time receive a high interest rate.
The minimum amount for opening a deposit account is only 1 thousand rubles (can be opened in dollars and euros - from 100).
You can choose capitalization or payment of interest to the account for withdrawal, they are accrued monthly.
Withdrawals are not allowed, replenishment of the deposit from 1000 rubles is welcome, the deposit period is from 3 months to 3 years.
Maximum rate: with capitalization – 8.07% per annum, without it (to the card account) – 7.65%(to receive it, you need to make a deposit of 700 thousand rubles, for a period of six months to a year, see the table under the product description).
For Sberbank pensioners there are preferential terms– for any deposit amount, a maximum percentage is assigned (7.65 – 8.07% per annum).
| Deposit amount | 3-6 months | 6-12 months | 1-2 years | 2-3 months | 3 years |
|---|---|---|---|---|---|
| from 1,000 to 100,000 | 6,85 (6,89*) | 7,15 (7,26) | 6,90 (7,12) | 6,85 (7,32) | 6,75 (7,46) |
| from 100,000 to 400,000 | 7,00 (7,04) | 7,30 (7,41) | 7,05 (7,28) | 7,00 (7,49) | 6,90 (7,64) |
| from 400,000 to 700,000 | 7,15 (7,19) | 7,45 (7,57) | 7,20 (7,44) | 7,15 (7,66) | 7,05 (7,83) |
| from 700,000 to 2,000,000 | 7,35 (7,40) | 7,65 (7,77) | 7,40 (7,66) | 7,35 (7,89) | 7,25 (8,07) |
| from 2,000,000 | 7,35 (7,40) | 7,65 (7,77) | 7,40 (7,66) | 7,35 (7,89) | 7,25 (8,07) |
Note: * – rate for interest capitalization.
4. Deposit for the “Happy Year” promotion– with maximum percentage
You can get up to 10% per annum - this is the highest rate of Sberbank at the moment, but to take it, you need to invest at least 10 million rubles.
For the deposit amount from 150 thousand rubles to 1 million - 9% per annum, from 1 to 10 million - 9.50% per annum.
One minus is the very large amount of opening a deposit, from 150 thousand rubles.
Opens for a period of time: in rubles - 9 months, dollars and euros - 10 or 18 months.
Deposit and withdrawal operations are not permitted by the banking agreement.
You can make a deposit at any Sberbank office, and there is also the possibility of opening it remotely through Sberbank Online.
5. Deposit “Give Life”– help sick children
Charitable contribution – helping seriously ill children.
Once a quarter, the bank transfers 0.3% per annum from each depositor of this program to a charity fund.
Interest rate: with capitalization - 8.35%, with quarterly interest withdrawal - 8.10% per annum.
The minimum amount is only 10 thousand rubles, the deposit period is 12 months.
The deposit is not replenished, without partial withdrawal.
6. Deposit “Multi-currency”– opens in 3 currencies
You can place simultaneously in rubles, dollars or euros.
The rates are very low: rubles - up to 6.88% (without capitalization - 6.55% per annum), dollar up to 1.78%, euros - 0.91% per annum.
Very low opening thresholds: 5 rubles / dollars / euros. Duration from 1 to 2 years.
Withdrawals are not allowed, but you can top up from 1 thousand rubles, or 100 dollars / euros.
Interest is accrued once a quarter, they can be “used” for capitalization, or withdrawn to the card.
7. Deposit “Pension Plus”– increase your pension
Except special conditions for Sberbank pensioners in products (described in detail above): “Save”, “Manage”, “Replenish”, the bank also has a separate program for Russian citizens of retirement age.
True, compared to the rates described above (which, as we know, pensioners can use to the maximum, regardless of the deposit amount), the percentage here is very insignificant - 3.55% per annum with capitalization, and 3.50% without it.
In defense of this product, we can say that despite low rate, there are comfortable conditions here, for example: unlimited replenishment, withdrawal up to the minimum balance, the minimum deposit amount is 1 ruble.
The deposit term is three years, interest is accrued quarterly.
This concludes the review of deposit programs at Sberbank, I hope you will find the information you need in it.
The largest Russian financial institution Sberbank was created in the 19th century by Emperor Nicholas I. this moment the institute covers more than 1/4 banking system states. It ranks first in terms of total number deposits individuals.
According to this information, each person can choose their preferred deposit option. Funds can be invested in any of 3 bank accounts. What is the interest rate on deposits in Sberbank in 2016 today?
Savings funds for citizens
Russian citizens can invest financial resources, both in domestic and foreign currencies, based on their own preferences. American dollars or pounds sterling, euros, yen...
Bank interest depends on the initial deposit and deposit account. Programs for replenishment in dollars and euros are carried out for all deposit accounts.
For a more detailed analysis, it is necessary to examine deposit accounts:
"Happy year";
"Save";
“Replenish.”
The most profitable deposit program in domestic currency is offered by: “Happy Interest” and “ Savings Certificate" These programs offer high rates for each depositor.
Savings certificate
He is official document, which contains information about the deposit of an individual. Upon expiration of the cash account placement, the owner must present this document and receive the funds along with accrued interest. The certificate is issued in the name of the owner or his authorized representative.
Sberbank – general deposit rates
Here you should analyze the more popular deposit programs. One of the first is the “Save” deposit, which allows the client to place funds for a period of up to 3 years. Each investor must independently choose the monetary currency and capitalization. If we talk about interest rates, then it is worth noting the storage currency Money. For example, for the domestic currency the interest rate is 6.7% -9.5%, the dollar 0.3% -3.4% and the euro 0.12% -2.4%. This type of deposit does not have the option additional contribution financial resources.
Also here, it is impossible to partially withdraw and receive interest on the total amount of money. To register a deposit, the initial contribution must be 1500 rubles or 140 euros, 150 dollars. The total rate for the deposit program is calculated every month. The investor has every right to partial withdrawal accumulated funds from the initial amount. If you wish, you can terminate the agreement under this deposit program. For people of retirement age, a deposit program that does not depend on the amount will be a more attractive option. down payment. Also, clients of retirement age can issue a power of attorney to a person or make a will to receive funds.
Another way to increase cash profits can be the “Manage” deposit. This program is much more mobile due to the possibility of regular deposits and withdrawals of funds. Moreover, the main advantage of the deposit is that the accumulated interest is not lost during financial actions and transactions with money. However, the client primarily looks at the total deposit rate. The lower the rate level, the less attractive the deposit. In this situation, the deposit rate depends entirely on monetary currency. Which interest rates on deposits in Sberbank in 2016 to date?
For the ruble the percentage is 6.5% -8.02%, euro 0.7% -2.2%, dollar 1.2% -3.1%. As a result, the client chooses a more suitable currency and manages it during the validity period bank account. The validity period of the cash account is up to 3 years. If we are talking about monetary amount, then here it varies from 30,000 rubles and 1030 euros, 1050 dollars. The contract registration procedure is completed quite quickly. The depositor must contact a Sberbank branch and enter into an agreement to open a deposit account. If necessary, the contract can be terminated.
What are the interest rates for foreign currency deposits in Sberbank in 2016 to date? The “Top up” deposit is quite popular among many Sberbank clients. This account provides a higher deposit rate. In domestic currency it ranges from 7.5% to 9.2%, 1.2%-3.4% in dollars and 0.76%-2.34% in euros. There is an opportunity in the deposit regular contribution, but there is no partial withdrawal of accumulated interest. To draw up an agreement to open a deposit account, at least 1,100 rubles or 103 euros and dollars are deposited.
Saving period savings funds limited to 3 years. Deposit rate accrued monthly. The depositor can withdraw the accumulated money within a month. However, this program has more high conditions for clients of retirement age. Regardless of the initial deposit, their deposit will be matched with the most favorable rate.
Each of the deposits has a number of specific advantages for certain categories of citizens. Separately, it should be noted that it is possible to open a deposit account online with Sberbank. Thus, the client can save time and increase his own capital.
Even despite the difficult economic situation in the country, main bank Russia plans to increase rates on deposit programs in the near future. Experts recommend analyzing the general situation in the state. Only after this, you can focus on choosing one or another deposit program.
These are the interest rates on deposits in Sberbank in 2016 today!
During the holidays in February and March 2020, Sberbank of Russia offers individuals and pensioners to open a new promotional deposit “Catch the Spring” with an annual rate of 5 percent in rubles.
For the holidays of February 23 and March 8, Sberbank, together with its partners, decided to hold a promotion and offered customers discounts on various types of services and goods. In this way, he allegedly helps his clients “congratulate their family and friends and create a memorable #wow day for them.”
The new promotional deposit “Catch the Spring”, which Sber introduced for the holidays, is an integral part of this big #wow promotion. We will talk below about what else the Security Council of the Russian Federation offers for gender holidays, but for now we will focus on the deposit. He's worth it.
Terms of the Sberbank deposit “Catch the Spring”
This is a typical promotional offer.
- Funds can be invested for a period of 5 months.
- The minimum amount is 50,000 rubles.
- Account replenishment and partial withdrawal of money without loss of profitability are not allowed.
- If you decide to withdraw the money before the end of the term, you will receive it without accrued interest.
If you forget to withdraw money after the end of the term, the deposit will be extended at an interest rate of 0.01% per annum.
In short, the deposit conditions are quite expected. What then is attractive about it? And this...
Interest rate of the Sberbank deposit “Catch the Spring”
Today Sber does not please investors with profitability. After the end of accepting winter promotional deposits “New Year’s Bonus” and “Profitable Start”, the maximum return on Sberbank deposits decreased to 5.54% per annum. You can get this much if you open a “Save” deposit in an amount of 400,000 rubles for a period of 6 months to 2 years. And this also takes into account the capitalization of interest.
The interest rate of the “Catch the Spring” deposit is 5% per annum in rubles.
It does this contribution the most profitable among the basic deposits of the SB of the Russian Federation.
An overview of the conditions and rates of Sberbank deposits can be viewed.
When can I open a deposit?
The deposit is seasonal, it coincides with the holidays, and therefore the period for its acceptance is limited.
The “Catch the Spring” deposit from Sberbank is accepted only from February 19 to March 14, 2020.
Where to open the “Catch the Spring” deposit
The “Catch the Spring” deposit can only be made remotely, which means it is suitable only for those who are already clients of Sberbank. You can open it in three ways:
- In the Internet bank Sberbank Online;
- In the Sberbank Online mobile application;
- At a Sberbank ATM.
How to open a deposit for those who are not Sberbank clients?
If you are not yet a client of the SB of the Russian Federation, then contact the bank branch with your passport and apply for some debit card. After this you will have access to remote channels Sber service and you can open a deposit.
What discounts does Sberbank offer by February 23 and March 8
As part of the celebration, a “Million THANK YOU” campaign is planned for participants of the “Thank you from Sberbank” loyalty program. It runs from February 13 to March 13, 2020.
During this period, discounts will also apply to insurance products:
“Travel insurance” (10% discount from 20.02 to 10.03),
“Home protection” and “Card protection” (23% - from February 20 to 23 and 28% - from March 5 to 8).
When opening an individual investment account with strategy trust management“Cumulative” and a one-time contribution of 250 thousand SB RF gives filling tax return. The service is valid from 21.02 to 10.03.2020.
But the main bonuses will be received by those who use the services of the Sberbank ecosystem during this period.
Sberbank ecosystem discounts by February 23 and March 8
Sberbank ecosystem services participate in the project as follows:
- discount up to 25% - from the Delivery Club ready-made food delivery service;
- 21 days of subscription to the “Optimum and START” service packages - from the Okko online cinema;
- 50% discount on subscription until the end of the English Premier League season - from Okko.Sport;
- 10% discount on five trips with the Citymobil taxi ordering service;
- discounts on gifts up to 50% on the Beru marketplace;
- one month of unlimited consultations with a therapist and pediatrician (23 rubles - from February 14 to 23, 8 rubles - from March 1 to 8) - from DocDoc;
- discount on the SberMarket product delivery service (7% - from February 14 to March 23, 8% - from February 25 to March 31).
On “Beru” you can buy gifts not only at a discount, but also get them on credit using the “Buy with Sberbank” service.