Interest in savings. Interest rates on deposits in Sberbank of Russia

In a difficult economic situation, the most win-win option for obtaining passive income risk-free is opening a bank deposit. It is most reasonable to open a deposit in big 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.

There are several ways to open a deposit in Sberbank:

visit the branch and deposit funds into the account in cash
at the nearest ATM
through your personal account Sberbank Online

First way to open bank deposit long and inconvenient - you need to withdraw cash and go to the bank with it, then wait in line for the cashier-operator, wait until the deposited money is counted and an agreement is drawn up. This can take half an hour if there is no queue in the department. The second way is a little faster - you need to insert your cards into an 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 in Sberbank has not changed for a long time, only interest rates have changed. Contributions are represented by the following proposals:

Contribution "Save"
Deposit "Top up
Deposit "Manage
Deposit "Social
Deposit "Give Life"
Deposit "Top up in the name of the child"
Contributions for pensioners
Deposit "Pension Plus"
Deposit "Without Passport" (limited deposit, valid from 01.12.2018 to 31.01.2019)

Contribution "Save"

The deposit is suitable for those who want to get the maximum profit - the deposit is opened once, replenishment and withdrawal from deposit account not allowed. Interest on the deposit is calculated monthly. When closing a deposit with a term of up to 6 months - the interest rate will be 0.01% per annum, if the term was more than 6 months, then the client will be paid 2/3 of the current interest rate.

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

Deposit "Top up"

The deposit is designed for clients who plan to deposit additional funds into their account. Partial withdrawals are not allowed. Maximum amount deposit - the amount of the deposit at the end of the day of 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 the opening or prolongation date 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)
Interest rate: up to 4.70% (online), up to 4.55% at the bank office
Partial withdrawal: No
Replenishment: Yes
Term: 3 months to 3 years

Contribution "Manage"

The deposit allows you to make a partial withdrawal of funds without losing interest.

Minimum deposit amount: from 30,000 rubles (from 1,000 dollars)
Interest rate: up to 4.40% (online), up to 4.25% at a bank branch
Partial withdrawal: Yes
Replenishment: No
Term: 3 months to 3 years

"Social" deposit

Special contribution for children left without parental care and veterans / disabled veterans of the Second World War. You can open this deposit only at a branch of Sberbank. Interest is calculated quarterly.

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

Deposit "Give Life"

The contribution is intended to help children with serious illnesses. The bank transfers money every quarter to the Podari Zhizn charity fund.

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

Deposit "Top up in the name of the child"

Great gift for an adult child. The deposit can be replenished by parents and relatives, and only a child who reaches the age of 18 can receive money. From the age of 14, a child can withdraw interest, as well as replenish a deposit. You can open a deposit only at a bank branch.

Minimum deposit amount: from 1000 rubles ($100)
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.

Contributions for pensioners

For pensioners on deposits "Replenish" and "Save" special conditions- regardless of the amount, the maximum interest rate is applied. When applying through the personal account of Sberbank Online, the interest rate is set only for pensioners by age - women over 55 years old and men over 60 years old. In the event that you already have one of the deposits listed above open, upon the occurrence of retirement age after the 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: 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 an overview of the promotional deposit of Sberbank, which is available for opening from December 1, 2018 to January 31, 2019 - the deposit "Without a passport". This deposit allows you to get the 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% (with a deposit term of 5 months) to 7.5% (with a deposit term of 12 months)
Partial withdrawal: No
Replenishment: No
Term: 5 months to 12 months

What is the most profitable deposit of Sberbank

Most profitable contribution- the one that Sberbank launches in December (promotional), for which the client is offered the maximum interest rate. Also, Sberbank periodically shares promotional codes on social networks, and 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, you should pay attention to the conditions of the deposit - some deposits allow replenishment and partial withdrawal of funds.

Sberbank of Russia, according to experts, is one of the most stable and reliable banks, which you can trust with your savings without fear for their safety. Sberbank deposits are in high demand, even though the conditions for placing funds are sometimes far from the most attractive. What deposits of Sberbank in 2020 can be considered the most profitable, how to get the maximum interest rate?

Enter your deposit requirements and get the most profitable deposits Sberbank for individuals.

What to choose

If you focus only on the interest rate, then the most profitable investment is Save. The conditions for it are as simple and clear as possible. Its disadvantage is only that, if necessary, it is not possible to withdraw part of the deposit before its expiration date without a significant loss in interest.

Due to significant changes in the exchange rate in 2016, the Multicurrency deposit can become quite profitable, but only for those who are ready to monitor the market on their own foreign exchange, make predictions and analyze the situation. It can become really profitable only with the active participation of the investor himself.

The most optimal for most depositors who decide to choose Sberbank may be the Manage deposit, the conditions of which allow you to receive a good income with the opportunity to withdraw part of the deposit if necessary.

Sberbank deposits for pensioners are also very popular with the population, as they have good conditions, the possibility of replenishment and early withdrawal.

Bank contacts

On the map

Bank branch ATM Several nearby objects

Bank news

23.09.19

Sberbank offers term deposits without the possibility of replenishment and withdrawal (Save), savings (Replenish) and savings (Manage). Also, the client can open a demand deposit without restrictions on withdrawing funds. Special conditions have been developed for pensioners, as well as for existing clients of the Bank (belonging to the Premier category or being owners of the Sberbank First package).

The bank offers a special deposit for enrollment social payments, as well as a contribution for the accumulation of funds, the recipient of which after reaching the age of majority will be a child. There is also a program of deposits Give Life, part of the funds for which is deducted for charity.

Design features. To make a deposit in a bank, a citizen of the Russian Federation must provide a document proving the identity of the depositor - this can be a civil passport, an identity card of a Russian serviceman (military ID), a temporary identity card of a citizen of the Russian Federation (form N 2P). Also, the Bank in some cases has the right to request a TIN.

Foreign citizens can also make a deposit in the Bank - in addition to their national passport, they need to provide migration card and a document certifying the right to stay on the territory of the Russian Federation. The number of deposits that a client can open at the same time is not limited. There are the following features of registration of deposits in Sberbank:

A term deposit can be opened at Russian rubles or US dollars;
The deposit can be made in the name of another person. You need to have your passport and a notarized copy of the passport of the person for whom the deposit is being made;
You can make a deposit in the name of the child. To do this, you need to have your passport, passport / birth certificate of the child with you, if available - TIN;
Several people can manage the deposit at the same time, for example, family members, for this you need to issue powers of attorney. The service is free, presence proxies not required;
It is possible to transfer the deposit to a new owner in the order of inheritance;
The rate can be increased by additional contributions or in connection with an increase in the minimum amount (if provided individual conditions contracts).

How to open a deposit? You can make a deposit in Sberbank in the following ways:

At the Bank's office. The client must have an identity document with him: a general civil passport of the Russian Federation, an identity card of a military man, a temporary identity card of a citizen of the Russian Federation (form N 2P) or a foreign civil passport (for foreigners, documents certifying the right to stay on the territory of the Russian Federation are also required);
At a Sberbank ATM. Money can be credited to the deposit by transferring from a card or directly depositing cash into an ATM. In the ATM menu, you can get acquainted with the parameters of the Bank's deposits and specify the amount and term of the deposit being processed.
remotely through the Internet bank or the Sberbank Online mobile application - for existing customers of the Bank, this method involves receiving a surcharge on the interest rate (available as part of the main programs of the Bank).

Attention! Remote actions with your deposits can be performed only if you have previously concluded an agreement with the Bank for banking service(DBO). A prerequisite RBS is the presence of the depositor debit card Sberbank (card currency - rubles).
If at the time of conclusion of the contract the client does not have specified card, then the card account in rubles is automatically opened and the Momentum card is immediately issued without charging a service fee.

Get a contract bank deposit, opened online, you can print it in your account internet banking Sberbank Online in the "History of operations" section, or personally contact any office of the Bank.

Extension of deposits. When making term deposit information about the end date of the agreement will be indicated in Sberbank Online, as well as in the deposit agreement. If after the expiration of the term for placing a deposit the client has not withdrawn the money, an auto-prolongation takes place on the terms fixed in the agreement or valid at the time of the expiration of the term (if the client did not refuse auto-prolongation at the time of the conclusion of the agreement).

If during the term of the agreement, the Bank ceased to provide a similar deposit rate, auto-prolongation is made on the terms of a demand deposit (0.01% rate). Please note that automatic prolongation may suggest more low rate compared to the initial one (if the Bank's tariffs have changed during the deposit term). The client can avoid such risks by issuing a prolongation "manually" - by contacting the Bank immediately after the expiration of the deposit to conclude an agreement on new conditions.

Closing procedure. You can close the deposit remotely, using the Internet bank or application mobile bank Sberbank Online - for this you need to fill out the appropriate short questionnaire in Personal account, indicating the account for crediting funds, and in mobile application by clicking the "Close deposit" button and then following the instructions, the amount will be transferred to valid card or account. Everything, you can immediately use the money.

Another option for closing a deposit is to contact the Bank's division where the deposit was opened. The client needs to provide the branch employee with a passport (or other document that was provided during registration) and bank card(or account details) for crediting funds. Cash cash can also be obtained at the Bank's cash desk. For getting large sums(from 150,000 rubles), a preliminary application is usually required 1-2 days before the expected closing date of the deposit.

What deposits for individuals are there in Sberbank in 2020

Sberbank deposits can be divided into three large groups:

All involve the possibility of capitalization of interest or their monthly withdrawal.

For premium clients who can open a deposit in the amount of more than 700,000 rubles, an increased percentage is provided.

Here, perhaps, and all the nuances. Let's move on to summary conditions for raising money and interest rates.

Interest on Sberbank deposits in March 2020

Contribution "Save"

This Sberbank deposit for individuals is distinguished by more high stakes, compared to other Sber deposits from the base line. It is suitable for those who can invest a large amount in the bank without planning to use this money until the end of the contract.

The deposit does not provide the possibility of replenishment and partial withdrawal of money without loss of profitability, there is only interest capitalization.

Terms

Term: from 1 month to 3 years inclusive;
Minimum amount: 1,000 rubles, 100 US dollars;
Refill: no
No

Interest rates

In rubles

Term and amount	1-2 m.	2-3 m.	3-6 m.	6-12 m.	1-2 g	2-3 g	3 g
				4,10 / 4,14
over 100000				4,35 / 4,39
over 400000				4,50 / 4,54

In US dollars

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

Deposit calculator: calculate income

Sberbank's online deposit calculator for individuals will help you calculate income depending on the interest rate and term. It allows you to find out the profitability, taking into account capitalization, replenishment and withdrawal of funds from the account.

Deposit "Top up"

This Sberbank deposit for individuals will be convenient for those who prefer to save money in rubles or dollars. It can be replenished by depositing at least 1,000 rubles or $100 in cash into the account. The amount of non-cash replenishment is not limited. The interest rate will increase as soon as the amount of the deposit reaches the next sum gradation as a result of replenishment.

Terms

Minimum amount: 1,000 rubles, 100 US dollars;
Replenishment: provided;
Partial withdrawal without loss of profitability: not provided.
Capitalization: provided.

Interest rate

At registration in the branch and online, the profitability is the same today.

(without capitalization / with interest capitalization)

In rubles

Term and amount	3-6 m.	6-12 m.	1-2 years	2-3 years	3 y.
from 1 000 with capital.		3,75% 3,78%
from 100 000 with capital.		4% 4,03%
from 400 000 with capital.		4,15% 4,19%

In US dollars

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

Deposit "Manage"

This deposit is for individuals of Sberbank with partial withdrawal of funds, as well as replenishment of the account.

It is designed to securely store savings with the ability to withdraw part of the money before the deposit expires without losing interest. However, it must be remembered that not the entire amount can be withdrawn without loss of profitability, but only up to the level of the minimum balance - 30 thousand rubles, 100 thousand rubles, 400 thousand rubles, etc.

It is convenient to save money on this deposit, replenishing the account from time to time. But we must remember that an increase in the interest rate with an increase in the amount of the deposit to the next amount gradation will not happen automatically. It will be necessary to conclude supplementary agreement about increasing the size of the irreducible balance.

Terms

Term: from 3 months to 3 years inclusive;
Minimum amount: 30,000 rubles, 1,000 dollars;
Replenishment: provided;
Minimum replenishment amount: 1000 rubles, 100 dollars in cash / Non-cash - unlimited;
Partial withdrawal without loss of profitability: provided up to the minimum amount of the minimum balance.
Capitalization: provided.

Interest rate

At registration in the branch and online, the profitability is the same today.

(without capitalization / with interest capitalization)

In rubles

Term and minimum balance	3-6 m.	6-12 m.	1-2 years	2-3 years	3 y.
from 30 000 with capital.		3,4% 3,42%
from 100 000 with capital.		3,65% 3,68%
from 400 000 with capital.		3,8% 3,83%

In US dollars

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

Deposit "Give Life"

This is a ruble deposit for those who are ready not only to save money, but also to help those in need - 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.

Terms

Term: 1 year;
Minimum amount: 10,000 rubles.
Replenishment: not provided;
Partial withdrawal: not provided.
Capitalization: provided.

Interest rate

4.58% per annum with capitalization;

4.50% per annum without capitalization.

Deposit “Pension-plus of Sberbank of Russia”

This is a retirement income deposit. It is intended for individuals receiving a pension from the Pension Fund of the Russian Federation, non-state pension funds, as well as ministries and departments providing pensions. Opened only in rubles. It will not be possible to issue a Sberbank of Russia Pension Plus Deposit in dollars. Even those who in our country receive a pension in dollars, although we doubt that there are such.

Terms

Term: 3 years;
Minimum amount: 1 ruble;
Replenishment: unlimited;
Partial withdrawal without loss of interest: up to the level of the minimum balance amount;
Early termination: upon demand of the deposit, the rate set on the date of opening (prolongation) of the deposit does not change.

Terms of interest

Interest is charged every 3 months
Accrued interest is added to the amount of the deposit, increasing income in the following periods.

Interest rate

3.67% per annum with capitalization;

3.50% per annum without capitalization.

Sberbank savings account

For daily free disposal of money in the account.

Terms

Term: indefinitely.
Minimum amount: unlimited;
Replenishment: unlimited;
Partial withdrawal: unlimited.

Interest rates

up to 1.80% per annum in rubles;

0.01 in US dollars, euros, as well as Canadian, Hong Kong and Singapore dollars, Chinese yuan and pounds sterling.

What deposits did Sberbank prepare for December 2019 for individuals. To date, Sberbank has deposits with increased interest rates of up to 5.45% for owners of the Sberbank First package and up to 6.10% for the Sberbank Premier package. Note that this is the most profitable% rate, unlike conventional investments. The bank often makes promotions and promotional deposits to attract customers. As a rule, the rate for opening such deposits is temporary, approximately 2-3 months. For ordinary investments, the bank's interest is small when compared with competitors.

Deposits for customers "Sberbank First" - high interest

The Sberbank First level package is available, as a rule, to wealthy clients who can open deposits for a large amount and whose account balances are in the millions. Here are the main conditions to become a similar client and receive up to 6.10% on deposits.

It is necessary to open a deposit in the amount of 5 million R / 150 thousand $.
The cost of the package is 10 thousand rubles (if the amount on the account is less than 10-15 million rubles)
Interest rate is 1% higher

Advantages of the Sberbank First package

You will receive a personal financial advisor
Preferential, more favorable rates currency exchange
$1 million travel insurance for the whole family
Access to airport lounges for you and your companions
Increased bonuses THANK YOU

Questions and answers on Sberbank deposits

Can I open several deposits in my name at once?

You can open any number of deposits.

In what currency can I open a deposit?

Depends on the deposit: Save, Replenish and Manage can be opened in rubles or dollars. If you want an account in euros, use the Savings Account at 0.01% per annum.

What benefits are there for pensioners when opening a deposit?

Pensioners will receive maximum percentage on deposits Save and Replenish, regardless of the amount of money invested.

Under what conditions is the deposit renewed?

If you have not withdrawn the money from the deposit, it is automatically renewed on the terms and at the rate that are in effect on the date of prolongation. Thus, the interest on the deposit may change. If the deposit is no longer valid, it is extended on demand at a rate of 0.01% per annum, as specified in the agreement.