Every day, millions of people use the services of Sberbank of Russia. They open new deposits, withdraw interest, transfer funds from one account to another, and perform more than a dozen different operations. As you know, money should work for its owner. One of the most reliable ways to provide a person with additional income is to deposit money in Sberbank, using one of the existing tariffs.

Choosing a suitable deposit is a strictly individual process. You need to rely on several criteria:

• the amount a person is willing to contribute. Today you can open an account in Sberbank with 0.00 rubles;
• the period for which a person is willing to deposit the amount. Usually from 1 month to 3 years;
• additional functions. These include the ability to deposit and withdraw;
• acceptable interest rate. Its size directly depends on the three previous points.

Review of the most profitable Sberbank deposits for individuals

Today, the following types of deposits can be opened at Sberbank:

Memory of generations

1. Currency: Russian ruble only (different was chosen in 2013).
2. Minimum entry fee: 10,000 rubles.
3. Deposit term: exactly 3 months
4. Interest rate:

Incoming external transactions are prohibited, i.e. making additional contributions is not provided.
Monthly interest is accrued to the deposit account or to another account chosen by the client (including a bank card) of Sberbank in full or in part.

If the “Memory of Generations” deposit is withdrawn early, before the day of accrual of income for the current month, the entire interest is lost.

Prolongation of a bank deposit (i.e., extension of its validity period) is provided for under the conditions in force at Sberbank at the time of prolongation. According to the agreement, multiple extensions are possible.

Savings account

1. Currency: both Russian ruble and foreign currency.
2. Minimum entry fee: 0.00 rubles.
3. The deposit is unlimited, with the possibility of closing at any time.
4. The interest rate depends on the deposited amount:

• from 0.01 to 29.999 rubles - 1.50%
• from 30,000 to 99,999 rubles - 1.60%
• from 100,000 to 299,999 rubles - 1.70%
• from 300,000 to 699,999 rubles - 1.80%
• from 700,000 to 1,999,999 rubles - 2.00%
• from 2,000,000 rubles - 2.30%

Regardless of the deposit amount, if the account is opened for foreign currency savings and savings, the interest rate is fixed - 0.01% per annum.

Replenishing the account is allowed both in cash and non-cash; there are no restrictions on the amount.
Monthly interest is accrued to the account selected by the client in Sberbank and in full for the current calendar month upon closing the Savings Account deposit.

Save

1. Currency: Russian ruble, US dollar, euro.
2. Minimum amount to open a deposit: 1,000 rubles, 100.00 $, 100.00 euros.
3. Deposit term: from 1 month to 3 years (there are exceptions related to the use of currency).
4. The interest rate, in this case, directly depends on the stated term and the deposited amount:

• from 1 to 2 months, when deposited from 1,000 to 1,999,999 rubles and above - from 4.45% to 5.15%
• from 2 to 3 months 4.85% to 5.55%
• from 3 to 6 months in, when depositing the same amounts, from 5.40% to 6.10%
• from 6 months to 1 year, when depositing the same amounts, from 4.95% to 5.65%
• from 1 year to 2 years, when depositing the same amounts, from 4.95% to 5.55%
• from 2 to 3 years, when depositing the same amounts, from 4.75% to 5.35%
• on 3 years, when depositing the same amounts, from 4.55% to 5.15%

An account in dollars can be opened for the same terms as a ruble account, the interest rate will be from 0.01% to 1.25%.

Incoming external transactions are prohibited, i.e. replenishment is impossible.

Monthly interest is accrued automatically at 00:01 Moscow time with the onset of the stated calendar day, to the account selected by the client in Sberbank.

Replenish

1. Available currencies: ruble, dollar, euro.
2. Minimum entry fee: from 1,000 rubles, from 100 $, from 100 euros.
3. The interest rate directly depends on the chosen term and the deposited starting amount:

• from 3 to 6 months, when deposited from 1,000 to 1,999,999 rubles and above, from 4.90% to 5.60%
• from 6 months to 1 year, from 4.45% to 5.15%
• from 1 year to 2 years, from 4.35% to 4.95%
• from 2 to 3 years, from 4.15% to 4.75%
• 3 years, from 3.95% to 4.55%

A dollar account can be opened for the same period. In all cases the interest rate will be from 0.01% to 1.05%.

Receipt transactions are allowed both in cash and non-cash.

Monthly interest is accrued to the Sberbank account chosen by the client, both in full and in part.

Repeated extension is possible under the conditions in force at Sberbank at the time of expiration.

drive

1. Currency: ruble, dollar, euro.
2. Minimum entry fee: 30,000 rubles, 1,000 $, 1,000 euros.
3. Deposit term: from 3 months to 3 years (there are exceptions).
4. The interest rate will depend on the chosen term and the deposited starting amount:

• from 3 to 6 months, when deposited from 30,000 to 1,999,999 rubles and above, from 4.60% to 5.30%
• from 6 months to 1 year, from 4.15% to 4.85%
• from 1 year to 2 years, from 3.80% to 4.40%
• from 2 to 3 years, from 3.55% to 4.15%
• 3 years, from 3.25% to 3.85%

When opening a dollar account, the terms of which are identical to the ruble account, the interest rate will be from 0.01% to 0.70%.

Receipt transactions are allowed both in cash (from 1,000 rubles) and non-cash.
Monthly interest is accrued to the Sberbank account chosen by the client in full or in part.

Multiple extensions are possible.

The most profitable, in all respects, deposit in Sberbank today is “Manage”.

Manage."

Important! If interest from the deposit is transferred to the same account, the deposit is capitalized (i.e., future accruals are recalculated).

Attention! An account in euros can be opened in the “Save”, “Top up”, “Manage” tariffs only for a period of 1 to 3 years (including from 1 to 2 years, from 2 to 3 years). The interest rate for any deposited amount is always 0.01% per annum.

How to make a deposit

You can make a deposit two ways:

1. In personal presence at any Sberbank branch through an operator. In this case, you will need a passport of a citizen of the Russian Federation or any other identification document. The agreement is drawn up in two copies, one of which, after signing, is sent to the archive, the other remains with the investor.
2. On the Sberbank-online website(You need to register there first). You will need a personal mobile phone number. The remaining data will already be indicated in your personal account.

The depositor has the right to have any number of deposits in Sberbank.

One of the most popular ways to save money today is a bank deposit. Among investment instruments, bank deposits are considered the most reliable, thanks to state deposit insurance (DIA). If the deposit amount does not exceed 1.4 million rubles (or the currency equivalent of this amount), then if the bank’s license is revoked, the agency will pay you the deposit along with accrued interest.

Many banks offer the population to increase their savings, but tricks when concluding contracts, secret commissions, and sudden changes in tariffs become real pitfalls. Therefore, Sberbank has been and remains a reliable and popularly recognized Russian bank.

The line of deposits from Sberbank is divided into the following categories:

• Time deposits:
  "Save"
  "Replenish"
  "Manage"
  "Gift a life"
  "Multicurrency Sberbank of Russia"
  "International"
  savings account
• Online deposits:
  "Digital"
  Save ONL@yn
  Top up Online
  Manage Online
• Deposits for settlements:
  "On demand of Sberbank of Russia"
  "Universal of Sberbank of Russia"
  "Pension plus"
• Savings certificates.

We will try to compare Sberbank deposits and choose the optimal solution for preserving your finances. Precisely preserving, and not increasing income, as banks often claim. The interest rates offered by the bank for deposits, unfortunately, only cover inflation and do not generate income. However, the emergence of high-yield savings certificates, which Sberbank so actively advertises, allows us to invest our savings today, but first things first. The first parameter of deposit profitability is its interest rate.

TOP interest rates: we get maximum income

13 time deposits, 2 permanent deposits and savings certificates - this is the collection of deposits at Sberbank.

Today, the TOP interest rates on ruble deposits of Sberbank are as follows:

1. Savings certificate from Sberbank – up to 8.8%;
2. Online deposit “Digital” – up to 7.7%, with the opportunity to increase the rate using a promotional code (to receive it, you must complete a survey on the VKontakte social network in the official Sberbank group);
3. Deposit “Replenish Online” with an interest rate of 7.28% (including interest capitalization).
4. “Replenish Online” – with an interest rate of 7%.
5. “Save” – 6.75%.

Special conditions apply to deposits for pensioners: regardless of the opening amount, Sberbank offers maximum rates to persons of retirement age on “Save”, “Replenish”, “Manage” deposits and their online analogues.

But a high interest rate does not mean that income at other rates will be lower. The effectiveness of the interest rate consists of parameters such as capitalization and account replenishment. And the higher the deposit opening amount, the more significant the dividends will be.

Saving wisely: criteria you should know about

So, a high interest rate is not the only condition for high income on a deposit. An equally important profitability criterion is the capitalization of interest. What is capitalization? In simple terms, this is the automatic addition of accrued interest to the deposit amount. That is, interest in the next period will be accrued for the deposit amount plus interest for the previous period. We conclude:

The more often interest is capitalized, the higher the return on the deposit.

This means that if capitalization of the deposit occurs every month, then this increases our income. Let's consider Sberbank deposits taking into account interest capitalization:

• Deposits with monthly capitalization:

Replenish Online, Save, Top Up Online, Top Up, Manage Online, Manage, Savings Account and Give Life.

• Deposits with quarterly capitalization (every three months):

Social, Multicurrency of Sberbank of Russia, Pension Plus, Universal of Sberbank of Russia, Demand of Sberbank of Russia.

The Sberbank line includes deposits without capitalization, with accrual of interest at the end of the term:

International, Digital, Savings certificate.

Such an important parameter, indirectly related to capitalization, as account replenishment also affects the profitability of your deposit. Such parameters as account replenishment and cash withdrawal are important for those who are not sure that they will not have to use their savings. Let's compare Sberbank deposits according to these two parameters.

Contributions can be divided as follows:

• Savings (no possibility of replenishment, no partial withdrawal);
• Savings (with replenishment, but without the possibility of partial withdrawal);
• Settlement (with the possibility of partial withdrawal and replenishment);
• Demand deposits (you can also deposit and withdraw money).

Despite the high interest rate, savings deposits are often not profitable if terminated early. Savings deposits with monthly capitalization are a fairly attractive investment product. Demand deposits have the lowest rates, so they will not bring high income. Current deposits have decent rates and allow you to manage your funds without losing interest.

At Sberbank, according to the specified criteria, profitable deposits are:

Replenish Online, Replenish, Manage and Manage Online.

The Social, Multicurrency and Pension Plus deposits could become leaders in terms of the given parameters, but unfortunately, the frequency of interest accrual is lower.

If we talk about multi-currency deposits (International and Multi-currency Sberbank of Russia), choose them only if you understand currency fluctuations well. Otherwise, you risk losing your savings: not everyone is able to correctly guess the moment of transferring funds from one currency to another.

Let's summarize:

Deposits Top up Online and Top up are the most profitable savings deposits of Sberbank based on the totality of the considered parameters without partial withdrawal of funds.

If you have savings that you will not need in the near future, savings deposits are best suited: “Savings Certificate”, “Save” and “Digital”.

Among the line of settlement deposits, the leaders are “Manage OnL@yn” and “Manage”.

Rates on online deposits from Sberbank are significantly higher than similar ones opened in the branch, which means that the leaders in the race are:

Replenish Online, Manage Online, Digital. And they are joined by the widely advertised Savings Certificate from Sberbank thanks to its attractive interest rate.

Let us dwell on such a product as a savings certificate in detail. A savings certificate is a valuable, unregistered bearer paper with an increased interest rate. The reason for the increased rate on the certificate is the lack of DIA insurance. Therefore, as a financial management tool, a certificate is not the most convenient solution. Money loves diversification: to reduce possible risks, invest capital in different types of deposits, including savings certificates.

Opening a deposit correctly: step-by-step guide

It’s easy to open a deposit in Sberbank, contact the branch or open it yourself using online banking or an application.

How to open a deposit at a Bank branch

1. Take the required amount and passport. Pension certificate or other documents (for example, about guardianship).
2. Have you already decided on the choice of the required contribution? Fill out an application for its opening. Contact a Bank consultant if you have any questions.
3. When signing up, carefully read all the clauses of the contract, do not hesitate to ask questions.
4. Are you a foreign person? Present your migration card, residence permit or permit to stay in the Russian Federation.
5. After completing all the documents, you will have a copy of the agreement with the bank and a savings book in your hands - find a suitable place to store them.

How to open a deposit remotely?

1. To access Internet banking, obtain a login and password for access at a branch or ATM.
2. Log in to Sberbank Online, via a computer or an application on your phone.
3. Select “Deposits and Accounts” from the menu.
4. Select “Open a deposit”, fill out the application
5. Wait for a notification that the deposit has been completed. An open account will always be available to view the status of your funds.

Close cannot be prolonged: competent termination of the contract

When concluding an agreement with the bank, check the possibility of automatic prolongation (extension) of your deposit. For example, a Savings Certificate has a specific issue date and must be collected on time. More often, deposits can be renewed many times: but the terms of the agreement will be valid exactly on the date of its renewal.

Have you decided to close your deposit? We will answer the most popular questions from Sberbank depositors:

• Opened a deposit online?

Then you can monitor its expiration date through the Sberbank Online application. For deposits opened at the branch, the date can be found in the agreement papers;

• Did the deposit closing date coincide with a weekend and the bank is closed?

You can easily withdraw your savings on the next working day;

• What documents should I bring with me?

Apart from your passport, nothing is required. You can take a copy of the contract just in case.

To store or not to store: the rules of a practical investor

So, thanks to its simplicity of registration, a bank deposit has been and will be the most affordable way to save savings. Finally, a few recommendations for future Sberbank depositors:

1. Analyze the bank deposit market, look for profitable offers.
2. Banks usually offer good rates before the long New Year holidays, in December and in the summer, during vacations.
3. Look at the rate and frequency of capitalization of the deposit; it’s good if the deposit can be replenished. Try not to choose deposits without capitalization or at least monthly interest accrual.
4. You can open several deposits for different periods. This will increase your chances of transferring funds without losing interest when more favorable offers from Sberbank appear.
5. Master Sberbank Online: half the legwork, higher interest rates, easier to manage your finances.
6. The deposit must not exceed the amount of DIA insurance.
7. During a crisis, open long-term deposits with the possibility of replenishment and the maximum interest rate, because when the situation stabilizes, there will no longer be such offers.

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 debit transactions, multi-currency, 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 concludes an agreement on special, more favorable conditions for its visitors.
• Study the main types of deposits and choose which program is more convenient for you:

1. With interest capitalization, it provides additional income, but sometimes it is more profitable to receive interest monthly.
2. 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.
3. The amount is no more than 1.4 million rubles - do not exceed the amount eligible for the insurance program for banking products.

In a difficult economic situation, the most win-win option for receiving passive income without risk is to open a bank deposit. It makes the most sense to open a deposit in a large bank such as Sberbank. There are several reasons for this: the bank is reliable and is the largest in the country, as well as the fact that you can open a deposit and receive interest through your personal account.

You can open a deposit in Sberbank in several ways:

1. visit a branch and deposit funds into your account in cash
2. at the nearest ATM
3. through your personal account Sberbank Online

The first method of opening a bank deposit is long and inconvenient - you need to withdraw cash and go to the bank with it, then wait in line to see the cashier-operator, wait until the deposited money is counted and an agreement is drawn up. This may take half an hour if there is no queue at the department. The second method is a little faster - you need to insert your card into the ATM and then make a deposit. The third method is the most optimal; to complete the operation you need to go through the following steps:

What deposits does Sberbank offer?

The line of deposits at Sberbank has not changed for a long time, only interest rates have changed. Contributions are represented by the following proposals:

1. "Save" deposit
2. Deposit "Replenish"
3. Deposit "Manage"
4. Contribution "Social"
5. Contribution "Give Life"
6. Deposit "Replenish in the name of the child"
7. Deposits for pensioners
8. Deposit "Pension Plus"
9. Deposit "Without Passport" (limited deposit, valid from 12/01/2018 to 01/31/2019)

"Save" deposit

The deposit is suitable for those who want to get maximum profit - the deposit is opened once, deposits and withdrawals from the deposit account are not allowed. Interest on the deposit is accrued monthly. When closing a deposit for a period of up to 6 months, the interest rate will be 0.01% per annum; if the period was over 6 months, the client will be paid 2/3 of the current interest rate.

• Minimum deposit amount
• Interest rate: up to 5.15% (online), up to 5% in the bank office
• Partial withdrawal: No
• Replenishment: No
• Term: 1 month - 3 years

Deposit "Replenish"

The deposit is designed for clients who plan to deposit additional funds into their account. Partial withdrawals are not permitted. The maximum deposit amount is the deposit amount at the end of the day on the date of opening or prolongation of the deposit, increased by 10 times. For deposits for which the deposit amount at the end of the day of opening or prolongation is less than 100,000 ₽ / 5,000 $ / 5,000 €, the maximum amount is 1 million ₽ / 50,000 $ / 50,000 €.

• Minimum deposit amount: from 1,000 rubles (100 dollars)
• Interest rate: up to 4.70% (online), up to 4.55% in the bank office
• Partial withdrawal: No
• Replenishment: Yes
• Term: from 3 months to 3 years

Deposit "Manage"

The deposit allows you to make partial withdrawals without losing interest.

• Minimum deposit amount: from 30,000 rubles (from 1000 dollars)
• Interest rate: up to 4.40% (online), up to 4.25% in a bank branch
• Partial withdrawal: Yes
• Replenishment: No
• Term: from 3 months to 3 years

Contribution "Social"

Special contribution for children left without parental care and WWII veterans/disabled people. This deposit can only be opened at a Sberbank branch. Interest is calculated quarterly.

• Minimum deposit amount: 1 ruble
• Interest rate: 4.25% in rubles
• Partial withdrawal: Yes
• Replenishment: Yes
• Term: 3 years

Contribution "Give Life"

The contribution is intended to help children with serious illnesses. The bank transfers money to the Gift of Life charity foundation every quarter.

• Minimum deposit amount: 10,000 rubles
• Interest rate: 5.05% in rubles
• Partial withdrawal: No
• Replenishment: No
• Term: 1 year

Deposit "Replenish in the name of the child"

A great gift for a child coming of age. The deposit can be replenished by parents and relatives, and only a child who reaches the age of 18 can receive the money. From the age of 14, a child can withdraw interest and also replenish the deposit. You can open a deposit only at a bank branch.

• Minimum deposit amount: from 1000 rubles (100 dollars)
• Interest rate: up to 4.55% in rubles
• Partial withdrawal: Yes
• Replenishment: Yes
• Term: Full disposal of funds is available upon reaching the age of 18.

Deposits for pensioners

For pensioners, special conditions apply to the “Replenish” and “Save” deposits - regardless of the amount, the maximum interest rate applies. When submitting an application through your Sberbank Online personal account, the interest rate is set only for age pensioners - women over 55 years old and men over 60 years old. If you already have one of the deposits listed above, when you reach retirement age after prolongation of the deposit, the interest rate will increase automatically. The maximum deposit amount for pensioners is not limited.

• Minimum deposit amount: from 1000 rubles
• Interest rate: up to 5.15%
• Term: from 3 months to 3 years

Deposit "Pension Plus"

• Minimum deposit amount: from 1 ruble
• Interest rate: 3,5%
• Partial withdrawal: Yes
• Replenishment: Yes
• Term: 3 years

Deposit "Without Passport"

And finally, we have come to a review of the Sberbank promotional deposit, which is available for opening in the period from December 1, 2018 to January 31, 2019 - the “Without Passport” deposit. This deposit allows you to receive a maximum interest rate of 7% when opening a deposit for 1 year. The maximum deposit amount is not limited. You can make a deposit only at a bank ATM or in your Sberbank Online personal account.

• Minimum deposit amount: 50,000 rubles
• Interest rate: from 6.5% (for a deposit period of 5 months) to 7.5% (for a deposit period of 12 months)
• Partial withdrawal: No
• Replenishment: No
• Term: from 5 months to 12 months

What is the most profitable Sberbank deposit?

The most profitable deposit is the one that Sberbank launches in December (promotional), for which the client is offered the maximum interest rate. Sberbank also periodically shares promotional codes on social networks; when they are used, the deposit rate also increases. It is also worth paying attention to the Sberbank First premium service package - within this package the deposit rate is 1% higher. In addition, it is worth paying attention to the terms of the deposit - some deposits allow replenishment and partial withdrawal of funds.

Gone are the years when we were afraid for the safety of our money and kept it under the mattress. Nowadays it is much safer to store money in a bank and at the same time there is the possibility of increasing it.

Open deposits, now you can without leaving your home using a personal computer and the bank’s online service. Sberbank provides this opportunity to its clients who have already connected to the system Sberbank Online .

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

Those who have already opened deposits probably know that Sberbank offers you a ruler online deposits. We will help you understand them and briefly describe which contributions have which capabilities.

– this deposit brings the highest income in comparison with the others. 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 deposit from 6.50 to 9.5% per annum.

– a deposit that can be replenished throughout the entire deposit period. Suitable for those clients who prefer to regularly save money and receive an increased interest rate of from 7.05 to 8.69 per annum.

– a type of deposit that allows the client to write off funds without losing interest. A very universal contribution and suitable for absolutely everyone. Deposit rates from 6.15 to 7.72% per annum.

savings account

- This is analogous to a savings book. There are no restrictions on depositing and withdrawing money. But unlike bank cards, where the money just sits there, here you will receive from 1.5% per annum.

By the way, when opening online deposits through Sberbank Online, the interest rate on deposits will be higher by 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.