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

If you open a deposit, then only in Sberbank. This is how the Russians think and trust the bank with funds. Consider the entire line of deposits of Sberbank of Russia in 2020 with interest rates for today.

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

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

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

Sberbank term deposits in 2020

Today, Sberbank offers six types of term deposits.

"Save"

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

Deposit term from 1 month to 3 years. It is impossible to replenish the deposit or partially withdraw funds during the initially declared period. Minimum deposit amounts: 1,000 rubles, 100 dollars or 100 euros.

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

"Replenish"

The interest rate on this deposit is from 4.6 to 5.3% per annum, for deposits in rubles. For dollars and euros - from 0.01 to 1.45% per annum. You can invest for a period of 3 months to 3 years inclusive. The deposit remains replenished. However, it is impossible to reduce the initially invested or replenished amount. You can easily withdraw interest on the deposit and transfer it to your card. Minimum amount: 1,000 rubles, 100 dollars or 100 euros.

"Replenish" in the name of the child

Sberbank gives parents the opportunity to open a personal deposit for a minor child, which can only be closed upon reaching the age of 18. The minimum amount for placement is 1,000 rubles or $100, and the rate will be 4.6–5.15% for ruble deposits and 0.01–1.15% for dollar deposits. The account is replenished by any person without restrictions, but savings are cashed out only when the age threshold is reached or through permission from the guardianship authorities.

"Control"

A feature of this deposit is the possibility of partial withdrawal of funds in the process of deposit, while not closing and not losing interest. Deposit interest rates are 4.3–5% for ruble deposits, depending on the amount of the deposit. Interest rate for dollars - from 0.01 to 1.35% per annum. Deposit term from 3 months to 3 years. The deposit can be replenished and partially withdrawn. You can manage the movement throughout the term of the deposit, hence the name. Minimum deposit amount: 30,000 rubles or 1,000 dollars.

"Social"

Special deposit for children left without parental care, and depositors with the status of a veteran or disabled veteran of the Second World War. It opens for 3 years, replenishes in free mode and is consumed if necessary. Interest is set at 4.75% per annum and accrues at the end of each quarter. Funds “earned” in excess of the initial capital can be transferred to a third-party account or returned to a deposit for subsequent capitalization. The minimum amount for making a deposit is 1 ruble.

"Gift a life"

This is a charitable contribution. Every 3 months, 0.3% per annum is transferred from the deposit to the fund for helping children with oncological, hematological and other serious diseases. The interest rate on the deposit is 5.65% per annum. The deposit is exclusively in rubles, and the minimum amount is 10,000. The deposit is issued for a period of 1 year, during this period it is impossible to replenish or partially withdraw funds.

Online deposits

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

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

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

"Pension plus"

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

Deposits with higher rates

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

Special Accounts

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

• for social payments for the maintenance of the ward. The minimum initial payment for line activation is not set, replenishment and spending is free, and the rate is fixed at 3.5%;
• for the formation of the electoral account. No additional income on the balance and no restrictions on spending and creating an account;
• for the bidder. It is opened ahead of schedule, replenished unlimitedly and spent within the deposited amount with a yield of 0.01% annually.

savings account

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

Current account

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

Poste restante

The basic deposit of Sberbank, which is valid indefinitely and offers unlimited movement limits on the account. Suitable for any world currency, including rubles, dollars, euros, pounds sterling, crowns and yen. The minimum amount and minimum balance is 10 rubles, 5 c.u. or other banknotes equivalent to 5 US dollars. The deposit is replenished for any amount throughout the entire period of existence, and withdrawn up to the minimum entry fee. Interest in the amount of 0.01% is accrued quarterly, and in case of early demand, it is calculated according to the actual storage period.

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

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

Of course, you will say that in other banks the rate is higher, it reaches 15% per annum (in offers for shares, even higher), but it just so happened, the lack of interest in this case is a payment for the reliability, stability and convenience of our “giant” banking spheres.

In this line there are deposits for every taste and color: with capitalization, without it (monthly payment to the account), for those who like to replenish, and for those who withdraw a lot, multi-currency (ruble, dollar, euro), and super multi-currency (set currencies is simply shocking), for pensioners, and those who are not indifferent to the fate of a child with cancer.

By terms, there are deposit products, from 1 month to a termless 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 a monthly transfer of interest to the card account (up to 8.05%).

Deposit replenishment and withdrawal from it is not allowed.

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

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

The conditions for early termination are as follows: if the deposit is less than six months, the rate is reduced to 0.01% per annum, if the term is more than six months, 2/3 of the percentage set 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 individuals pensioners, a preferential condition has been introduced for 2016 - regardless of the amount of the deposit, the rate is set at 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 the withdrawal and replenishment during the entire period of the deposit.

Withdrawal is possible only up to the amount of the minimum balance.

The term is from three months to three years, the minimum amount: 30 thousand rubles, 100 euros or a dollar (you can replenish from 1 thousand rubles).

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

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

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: * – interest capitalization rate.

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 get a high percentage.

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

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

Withdrawal is not allowed, replenishment of the deposit from 1000 rubles is welcome, the term of the deposit is from 3 months to 3 years.

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

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

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

Note: * – interest capitalization rate.

4. Deposit for the "Happy Year" promotion- with the maximum percentage

You can get up to 10% per annum - this is the highest rate of Sberbank at the moment, but in order 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 a very large deposit opening amount, from 150 thousand rubles.

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

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

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

5. Deposit “Give life” help sick children

Charitable contribution - helping seriously ill children.

The Bank once a quarter transfers 0.3% per annum from each contributor of this program to the charity fund.

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

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

The deposit is not replenished, without partial withdrawal.

6. Deposit “Multicurrency”– 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%, euro - 0.91% per annum.

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

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

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

7. Deposit “Pension Plus”- multiply your pension

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

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

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

The term of the deposit is three years, interest is calculated quarterly.

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

Gone are the years when we were afraid for the safety of our money and kept it under the mattress. Now it is much safer to keep money in a bank and at the same time it is possible to increase it.

Open deposits, now it is already possible without leaving home using a personal computer and an online bank service. Sberbank provides this opportunity to its customers who have already connected to the system Sberbank Online .

To open a deposit, you need enter your personal account and go to tab " Deposits and accounts". Next, you will need to select the required contribution and fill in all the required fields.

Those who have already opened deposits probably know that Sberbank offers you a line online deposits. We will help you understand them and briefly describe which contribution has which features.

- this contribution brings the highest income, in comparison with the rest. But it has its drawbacks. This is a ban on withdrawing funds until the end of the deposit period and the impossibility of replenishing it. Interest rates on deposits from 6.50 to 9.5% per annum.

– a deposit that can be replenished during the entire term of the deposit. Suitable for those clients who prefer to regularly save money and at the same time receive an increased interest rate in the amount of from 7.05 to 8.69 per annum.

- a type of deposit that allows the client to write off funds without losing interest. Very versatile and suitable for absolutely everyone. Deposit rates from 6.15 to 7.72% per annum.

savings account

It's like a savings book. There are no restrictions on deposits and withdrawals. But unlike bank cards, where the money just lies, here you will receive from 1.5% per annum.

Incidentally, upon opening online deposits through Sberbank Online, the interest rate on deposits will be up 0.5% in relation to deposits opened in bank branches.

Interest rates on deposits may change and may not correspond to those indicated on our website. For more up-to-date information, please contact Sberbank branches.

In 2018, Sberbank lowered deposit rates for individuals. The management of this largest Russian bank explains that such measures are dictated by the prevailing general trend in the country to reduce interest rates. What deposit conditions are currently offered by Sberbank and how profitable is it to place deposits with the bank at the moment?

All deposit products of Sberbank can be divided into certain categories:

1. Deposits with the possibility of replenishment.
2. Deposits without the possibility of replenishment.
3. Deposits, interest on which is calculated and paid every month.
4. Deposits with partial withdrawal of funds without loss of interest.
5. Deposits without early withdrawal of money.

As for the currency, now the bank accepts only ruble and dollar deposits. For those wishing to make a deposit in euros, Sberbank can only offer a Savings Account with an accrual of 0.01% per year.

Important: all types of deposits issued in national or foreign currency provide for the possibility of interest capitalization.

"Save" and "Save Online"

They belong to the basic line of Sberbank deposits for individuals. They differ in higher percentages relative to other products. This type of investment is chosen by those who have the opportunity to invest large amounts without having to withdraw funds from the account before the end of the contract. The "Save" deposit and its online counterpart do not provide an opportunity to replenish the account and partially withdraw funds without loss of profitability. Only the possibility of capitalization by interest is provided.

Interest ratesfor the “Save” deposit today (% per annum):

Interest ratesfor the "Save Online" deposit today (% per annum):

Interest rates on depositsat "Save" (in

Interest rates on depositsat "SaveOnline" (independing on the amount and term of the contract):

Advice: check out the list of financial institutions offering.

"Recharge" and "Recharge Online"

These deposits allow you to keep savings in both domestic and foreign currencies (US dollars). The minimum deposit allows you to deposit at least 1 thousand rubles or $ 100 in cash into the account. And for replenishment by bank transfer, limits are not set. The growth of the interest rate depends on the amount of the deposit. The "Save" deposit and its online counterpart provide the opportunity to replenish the account, but do not allow partial withdrawal of funds. Only the possibility of interest capitalization is provided.

Interest ratesfor the “Top up” deposit today (% per annum):

Interest ratesfor the "Top up Online" deposit today (% per annum):

Interest rates on the deposit "popolnyay" (depending on the amount and term of the contract):

Interest rates on depositsat "popolnyayOnline" (independing on the amount and term of the contract):

Summing up

Sberbank of Russia offers a variety of deposit options - for any choice and for all population groups. By visiting a bank branch or reading the information on the official website, workers, military personnel, pensioners and other categories of citizens can choose suitable deposit conditions for themselves.

In order to choose the optimal conditions for a deposit at Sberbank, first of all, it is necessary to determine the goal: a short-term placement of money or providing yourself (relatives or friends) with financial security in the future. It is also important to find out whether, according to the terms of the deposit, it is possible to replenish the account or withdraw funds from it.

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

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

How to choose a profitable deposit in Sberbank?

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

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