Having decided to place your savings in a deposit bank account, it is important to determine which is the most profitable deposit in Sberbank. It is not so easy to give an unambiguous answer to this question, since each person understands the benefits in his own way and in each case the priorities differ. To choose the best offer for deposits from Sberbank, you need to determine the selection criteria, starting from which you can clarify the situation a little.
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Today, Sberbank has several deposit programs for individuals:
- "Save" - a deposit with the highest possible interest rates.
- "Replenish" - a deposit for a stable accumulation of funds.
- “Manage” is a contribution for those who need to control their finances and manage them at their own discretion.
- "Save Online" is an analogue of the "Save" program.
- "Replenish Online" - an offer similar to the "Replenish" deposit.
- "Manage Online" is an alternative to the usual "Manage" deposit.
- "Give Life" is a deposit program, the purpose of which is charity for the treatment of children with serious illnesses.
- "Savings account" - a bank account where you can keep money and receive remuneration for this in the form of interest, as well as dispose of funds at your discretion.
The line of term deposits "Online" involves opening and closing deposits remotely through the "" system, ATMs or information and payment terminals at a higher interest rate than similar types of deposits that are opened directly at a Sberbank branch through an operator. Therefore, online deposit programs from Sberbank are more profitable deposits than their counterparts, according to two criteria at once:
- higher interest rate for depositing funds into the account;
- no need to visit a bank branch to open an appropriate account.
It can be assumed that in this case, the most profitable is the banking product for which the system charges the highest interest. But not everything is so simple. After all, each of these programs has a number of other conditions and it may happen that with a high interest rate, one of these conditions will be completely unacceptable for you.
Important! The choice of the most profitable deposit offer from Sberbank should be approached more thoroughly.
Sberbank customer reviews
If we analyze the reviews of bank depositors, we can conclude that for some clients the offer with the highest possible interest rates is the most profitable, for others the main role is played by the possibility of partial withdrawal or regular replenishment of the deposit account. Here's what current Sberbank customers say:
- Customer:“I have been a regular customer of Sberbank for a long time, but only recently I decided to entrust the storage of my savings to him. I wanted the money not only to lie in the bank account, but also to bring a certain profit. Even if this profit is only one hundred rubles, this is already a lot compared to the fact that they were kept at home. I carefully studied all the banking offers and made a choice in favor of the “Manage” deposit, although under the terms of this program, almost the lowest interest rate applies. It was important for me that I had the opportunity to freely dispose of money, even if they are on deposit. For some reason, it's safer for me."
- Customer:“Of the possible options for existing deposits in Sberbank, we chose “Save Online” without hesitation. Firstly, this program has the largest percentage of deposits in Sberbank today. Secondly, you can’t withdraw money here, so we won’t be able to spend it impulsively and thoughtlessly. Thirdly, we liked that the minimum deposit term is one month. It's very beneficial and convenient."
- Customer:“For several years in a row I tried to save up for a car, but there were always cases when you either urgently needed money, or someone needed to borrow it. In general, nothing worked until a friend advised me to put my savings on a deposit with the possibility of replenishing the account. At that time, Sberbank had two offers with suitable conditions -. Although the last deposit has a higher interest, I chose to entrust my savings to the Replenish program, because I feel safer when I have a paper contract with wet seals and signatures from both parties.
Based on the responses of contributors, in each case, the benefit may differ, since everyone has different priorities, but it is possible to determine a beneficial contribution among many similar proposals according to a set of quality criteria. The concept of a profitable deposit implies the following criteria that determine the rating of deposit offers:
- the reliability of the bank;
- convenient terms;
- the presence or absence of the possibility of replenishment and partial withdrawal of funds from the account;
- competitive interest rate;
- the possibility of prolonging the agreement on opening a deposit;
- capitalization or the possibility of withdrawing interest;
- the minimum amount of the initial contribution and replenishment (if this is in principle possible under the terms of the program);
- deposit currency and others.
Despite the many factors that determine the benefits for depositors, it is the high interest rate that attracts most of the clients. In Sberbank, the profit from a deposit can vary greatly from 0.01% to 5.63%, and, first of all, the rate is influenced by the currency in which the client opens a deposit account.
The most profitable deposit in rubles
You can open a deposit in the national currency for all deposit programs of Sberbank, the main thing is to choose the optimal conditions for yourself. In almost all options, except for the “give life” program, the interest rate is floating, and its size depends on two factors:
- term of the deposit agreement;
- deposit amounts.
Table. Rates on ruble deposits in Sberbank.
Considering the fact that the rates "float" and after analyzing all deposit programs, we can conclude that the maximum percentage on deposits will be:
- “Save”, “Replenish Online”, “Replenish”, provided that the deposit amount is more than 700 thousand rubles, and the term is 3-6 months.
- "Save Online", if the contribution is from two million rubles for a maximum period, that is, three years inclusive.
- "Savings account", provided that the minimum minimum balance will be two million rubles or more.
Attention! The “Give Life” deposit has a fixed interest rate, which is 5% of the deposit amount.
Based on the above data, today it is more profitable for a period of three to six months. If it is important for you to have the possibility of replenishing the deposit without the possibility of withdrawing, then it is better to give preference to the "Deposit Online" deposit for the same period. In the case when you need to constantly withdraw and deposit money into the account, the Manage Online deposit will be the best option. In any case, deposits of the "Online" line are comparatively more profitable.
The most profitable deposit in foreign currency
As for deposits in foreign currency, Sberbank customers can place their savings only in US dollars and euros. You can choose any deposit program, with the exception of the “Give Life” deposit, which can only be opened in rubles. As in ruble deposits, so in foreign currency, the interest rate is “floating” and depends on the same factors that affect its size in the case of a ruble deposit, that is, on the term and amount.
The highest percentage for foreign currency deposit programs is valid in the "Save Online" offer and amounts to 1.25% per annum of the deposit amount, but this rate will be valid only if the deposit amount exceeds 20 thousand USD, and the validity period is 36 months inclusive. Other deposit programs also offer the highest rate on similar terms.
The rates are indicated taking into account the accumulation (capitalization) of accrued interest.
Based on the above data, the following conclusions follow:
- it is profitable to put money at interest under the "Save Online" program, the most favorable conditions apply there;
- the highest rate for each type of deposit is valid only on condition that the deposit amount is at least twenty thousand US dollars and it is open for a period of 3 years;
- the interest rate on a deposit in euro is stable, is 0.01% and does not depend on either the term or the amount of the deposit.
The most favorable offers from Sberbank on deposits are valid only under certain circumstances, on which the size of the interest rate actually depends. But when choosing a deposit, you need to build on not only the thirst for profit, but also other related conditions that determine the benefits and convenience for potential Sberbank depositors.
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 2019 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 2019 “Save Online”, “Replenish Online”, “Manage Online” “lost” a little in percentage terms, 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 2019, Sberbank increased rates on savings, savings deposits and accounts for receiving pensions.
Sberbank term deposits in 2019
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 persons 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.
The maximum interest on Sberbank deposits for individuals for 2017: rubles - 6.49% per annum (on the days of the promotions - up to 10.00% per annum), dollars - 1.06%, euros - 0.01%.
We are already accustomed to the fact that the interest on Sberbank deposits is the lowest among similar "products" of other Russian banks.
The policy of the bank "makes it clear" that we are the "largest" and "reliable", and you will still come to us, no matter what rates we approve.
Of course, the policy is "controversial", because in almost all banks of the Russian Federation that accept deposits from the population, all amounts of Citizens are insured by the State (I now mean deposits up to 1.4 million rubles).
And about the "large" I will only say one thing - competitors represented by "VTB 24" (its "subsidiaries" "Post Bank" - together, as they say "we are strong"), are rapidly opening new offices, developing a whole range of innovative financial programs and tools, slowly taken away from the "dormant" "Sberbank", regular customers.
Well, okay, let's not understand the intricacies of banking policy, but focus on Sberbank's deposit programs.
2. Deposit program "Replenish" - with the option of replenishment
In contrast to the above program, in this deposit, there was a replenishment. You can replenish the deposit in the amount of 1,000 rubles, during the entire period of stay.
The maximum rate on deposits in rubles - up to 6.23% per annum.
Interest is accrued monthly, they can be transferred back to the deposit, i.е. use capitalization, or rent for "personal needs".
Deposit term from 3 months to 3 years. The most favorable rates under the "Replenish" program "lie" in the time interval from 6 to 12 months.
The interest rate depends on the amount and term of the deposit (see table of interest).
You have the opportunity to increase the percentage of the current deposit, if you can replenish the deposit, up to the next amount gradation.
| Deposit amount | 3-6 months | 6-12 months | 1-2 years | 2-3 years | 3 years |
|---|---|---|---|---|---|
| from 1 000 ₽ | 5,20 (5,22*) | 5,65 (5,72) | 5,35 (5,48) | 5,15 (5,41) | 5,00 (5,38) |
| from 100 000 ₽ | 5,35 (5,37) | 5,80 (5,87) | 5,50 (5,64) | 5,30 (5,58) | 5,15 (5,56) |
| from 400 000 ₽ | 5,50 (5,53) | 5,95 (6,02) | 5,65 (5,80) | 5,45 (5,74) | 5,30 (5,73) |
| from 700 000 ₽ | 5,70 (5,73) | 6,15 (6,23) | 5,85 (6,01) | 5,65 (5,97) | 5,50 (5,96) |
| from 2 000 000 ₽ | 5,70 (5,73) | 6,15 (6,23) | 5,85 (6,01) | 5,65 (5,97) | 5,50 (5,96) |
For deposits in dollars from 0.01 to 0.90% per annum. Very low rates on the euro - 0.01% per annum.
Minimum deposit amount: ₽ - 1,000, $ / € - 100.
For deposits of pensioners, the maximum rate of the time period applies, regardless of the amount of the deposit.
Early termination up to 6 months - "threatens" with recalculation of the rate by 0.01% per annum. With a "deposit life" of 6 months, you will retain 2/3 of the rate assigned on the opening day.
3. Deposit program "Manage" - with replenishment and partial withdrawal
The "Manage" program allows the depositor to replenish and partially withdraw the deposit during the entire period.
Here is the lowest interest rate, figuratively speaking, the difference in percentage "left" to pay for options.
The maximum you can get: in rubles up to 5.77% per annum(term 6 - 12 months, amount from 2 million rubles, capitalization), in dollars up to 0.60% per annum, euro - standard 0.01% per annum.
The minimum deposit amount (when compared with the "products" described above) has slightly "grown up" - 30,000 rubles, 1,000 dollars / euros.
Partial withdrawal of money from the deposit is allowed only up to the level of the minimum balance. Withdrawals below this level are penalized with a loss of interest (see early termination rules).
You can replenish the deposit from the amount: 1,000 rubles, 100 euros / dollars.
Accrued interest (calculation is carried out monthly), each depositor manages individually: either transfers for capitalization, or withdraws for "personal needs".
| Deposit amount | 3-6 months | 6-12 months | 1-2 years | 2-3 years | 3 years |
|---|---|---|---|---|---|
| from 30 000 ₽ | 4,85 (4,87*) | 5,20 (5,26) | 4,60 (4,70) | 4,35 (4,54) | 4,10 (4,35) |
| from 100 000 ₽ | 5,00 (5,02) | 5,35 (5,41) | 4,75 (4,85) | 4,50 (4,70) | 4,25 (4,52) |
| from 400 000 ₽ | 5,15 (5,17) | 5,50 (5,56) | 4,90 (5,01) | 4,65 (4,86) | 4,40 (4,69) |
| from 700 000 ₽ | 5,35 (5,37) | 5,70 (5,77) | 5,10 (5,22) | 4,85 (5,08) | 4,60 (4,92) |
| from 2 000 000 ₽ | 5,35 (5,37) | 5,70 (5,77) | 5,10 (5,22) | 4,85 (5,08) | 4,60 (4,92) |
* - interest capitalization rates.
Deposit term from 3 months to 3 years.
You can actively replenish your deposit and increase the bet by reaching the amount of the next gradation.
Early termination: up to 6 months of the "active" deposit - at a rate of 0.01% per annum, upon termination of 6 months - retains 2/3 of the interest rate in force at the time of opening.
4. "Gift of Life" deposit program - charitable assistance
Contribution with the help of sick children who suffer from severe oncological, hematological and other diseases.
Charitable assistance consists in the fact that the bank, once a quarter, transfers 0.3% per annum (of the deposit amount) to the Gift of Life Charitable Foundation.
I think that among the contributors there are hardly any people who are indifferent to such assistance.
Maximum deposit rate - 6.45% per annum. Such interest is given on a deposit with capitalization.
If you do not want to use capitalization, then the base rate is 6.30% per annum.
The minimum deposit amount is 10,000 rubles. Savings are accepted only in rubles, for a period of 1 year.
The "Give Life" program does not provide for replenishment and partial withdrawal operations.
Interest is calculated every 3 months.
Early termination, as in other programs of Sberbank: up to 6 months - recalculated at a rate of 0.01% per annum, after 6 months - 2/3 of the rate valid at opening is retained.
5. Deposit program "Pension Plus" - special for pensioners
For pensioners who receive their pensions to the account of the Pension Fund of the Russian Federation, Sberbank has developed a special program - Pension Plus.
I do not know where you can find a rate lower than in this "product". Interest rate with capitalization - 3.67% per annum in rubles.
The deposit is opened for a period of three years. The minimum opening amount is 1 ruble.
Let this contribution come with replenishment (unlimited) and partial withdrawal (up to an irreducible balance), but such a low rate, for completely "impoverished" pensioners, is "shameful and insulting."
And dear pensioners can only be advised that if you decide to make a deposit in Sberbank, and want to replenish it and partially withdraw it, then pay attention to the Manage program, the rate there is 5.77% per annum.
In Sberbank, as in many other banks in Russia today, there are profitable deposits with higher rates for all individuals, and for pensioners in particular.
The information presented on this page will help you choose and open the most profitable pension deposit at the moment.
Features of deposits of individuals for pensioners in Sberbank
Sberbank of Russia in 2019 offers pensioners basic deposits of individuals, but with the highest rates. Moreover, their size does not depend on how much it is decided to place on the deposit.
For example, on the “Save” deposit, a pensioner can receive the maximum possible interest rate on this deposit even if he invests only 1,000 rubles for three years. And another individual who does not belong to the category of pensioners will receive the same interest only if he opens the “Save” deposit, putting 700 thousand rubles on the deposit right away! Similarly, Sberbank calculates interest rates for other pension deposits.
What deposits for pensioners are there in Sberbank today
So, in Sberbank you can open the following pension products on special conditions:
1. "Save";
2. "Replenish";
3. "Save Online";
4. "Top up Online";
5. "Pension plus of Sberbank of Russia"
6. Debit pension card MIR.
Deposits with the possibility of replenishment and partial withdrawal of money without loss of profitability "Manage" and "Manage Online", as well as a charity deposit "Give Life" to pensioners in Sberbank are opened on general terms.
See what deposits for pensioners are available today in other banks:
Sberbank deposits for pensioners today: high interest rates and favorable conditions
Under special conditions, pensioners today can draw up replenishable deposits in Sberbank, as well as time deposits without the ability to manage their money, but with the highest profitability.
Sberbank deposit for pensioners "Save": conditions and interest
This deposit is designed to receive a guaranteed maximum income. Its advantages are:
Among the shortcomings, it should be noted the lack of the possibility of replenishment and partial withdrawal of money without loss of interest.
Conditions
Terms of interest
- - Interest is calculated monthly;
- - Accrued interest is added to the amount of the deposit, increasing income in the following periods;
- - Accrued interest can be withdrawn, as well as transferred to the card account;
Interest rates
|
Term |
Interest rate |
| 5.50 / 5.56 | |
From 0.2 to 1.55% in USD;
Sberbank temporarily does not open new deposits in euros, and offers pensioners to individuals to use a savings account in euros at a rate of 0.01% per annum.
See savings offers at Post-Bank.
Deposit for pensioners in Sberbank "Replenish": conditions and interest
This is a typical replenishable deposit for those clients who prefer to save and regularly save money for a rainy day. Its advantages are:
- √ possibility of replenishment;
- √ the maximum interest rate for the selected period, regardless of the amount of the deposit;
- √ automatic transfer to the best possible rates in the Bank upon reaching retirement age and prolongation of the deposit.
Conditions
- - Minimum amount: 1,000 rubles / 100 US dollars;
- - Replenishment: provided for the following amounts of contributions:
- - - cash - from 1,000 rubles / 100 US dollars;
- - - non-cash - not limited.
- - Partial withdrawal: not provided.
Terms of interest accrual:
- - Accrued interest can be withdrawn, as well as transferred to the card account.
Interest rates
in rubles, nominal rate / with capitalization
|
Term |
Interest rate |
0.2 to 1.15% in USD.
Pension online - deposits of Sberbank with a higher rate
A higher percentage on the deposit can be obtained if you open a deposit not at the bank office, but through your Sberbank Online @ yn personal account. Connection and use of Sberbank Online is free. If you connect this function, then using a personal computer via the Internet, you can perform many operations in the shortest possible time, at any time of the day, without leaving your home. Sberbank Online allows you to make transactions with a card and deposits, as well as pay for utilities much more profitable than in a bank branch.
Sberbank's contribution to pensioners "Save Online": conditions and rates
This deposit of individuals to receive a guaranteed maximum income becomes even more profitable, because opens online. This is its main advantage. For pensioners on the "Save Online" deposit, special conditions also apply:
- √ automatic transfer to the best possible rates in Sberbank upon reaching retirement age and prolongation of the deposit.
Conditions
- - Term: from 1 month to 3 years inclusive;
- - Minimum amount: 1,000 rubles / 100 US dollars;
- - Replenishment: not provided;
- - Partial withdrawal: not provided;
Terms of interest
- - Interest is calculated monthly.
- - Accrued interest is added to the amount of the deposit, increasing income in the following periods.
- - Accrued interest can be withdrawn, as well as transferred to the card account.
Interest rates
in rubles, nominal rate / with capitalization
|
Term |
Interest rate |
From 0.3 to 1.85% in USD.
Sberbank Deposit "Replenish Online" for pensioners: rates and conditions
This is a replenished contribution of individuals for those pensioners who prefer to save. He opens over the Internet, and therefore interest rates are more favorable than when applying at a bank branch. Special conditions are also offered to pensioners on the “Replenish Online @ yn” deposit:
- √ the maximum rate for the selected period, regardless of the amount of the deposit;
- √ automatic transfer to the best possible rates in Sberbank upon reaching retirement age and prolongation of the deposit.
Conditions
- - Term: from 3 months to 3 years inclusive;
- - Minimum amount: 1,000 rubles / 100 US dollars;
- - Replenishment:
- - - Cash from 1,000 rubles / 100 US dollars;
- - - Non-cash is not limited.
- - Partial withdrawal without loss of interest: not provided.
Interest rates
in rubles, nominal rate / with capitalization
|
Term |
Interest rate |
From 0.5 to 1.45% in USD.
Conditions for early termination of deposits "Replenish" and "Save"
If the conditions of the deposit indicate that a partial withdrawal is not provided, this does not mean at all that the depositor cannot return his own money back before the time established by the agreement!
In any unforeseen situation, if you need money before the end of the deposit, you can always get it. But, alas, almost without interest.
For deposits for up to 6 months (inclusive):
At an interest rate of 0.01% per annum
For deposits for more than 6 months:
When claiming a deposit within the first 6 months of the main (extended) term - based on the interest rate of 0.01% per annum;
When claiming a deposit after 6 months of the main (prolonged) period - based on 2/3 of the interest rate set by Sberbank for this type of deposits on the date of opening (prolongation) of the deposit
In case of early termination of the deposit, interest is recalculated without taking into account the monthly capitalization of interest.
Prolongation conditions
Automatic prolongation of deposits of individuals is carried out on the terms and at the interest rate in force on the date of prolongation. The number of extensions is not limited.
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.
Conditions
- - Term: 3 years;
- - Minimum amount: 1 ruble;
- - Replenishment: unlimited;
- - Partial withdrawal without loss of interest: up to the level of the amount of the minimum balance;
- - 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 calculated every 3 months
- - Accrued interest is added to the amount of the deposit, increasing income in the following periods.
Interest rate
3.50% per annum without capitalization (3.55% per annum with capitalization).
Sberbank MIR pension cards
The debit card of Sberbank MIR "Social" is intended for receiving a pension. It is beneficial in that the issuance and maintenance of cards is free, and 3.5% per annum is charged on the money lying on the account.
Conditions
- - Payment system: MIR;
- - Territory of use: Russian Federation;
- - Card account currency: rubles;
- - Validity of the card: 3 years;
- - Protection by an electronic chip: provided;
- - Service cost: free of charge;
- - Preferential mobile bank: the first 2 calendar months are free, then 30 rubles per month;
- - Bonus program "Thank you from Sberbank": provided.
Interest on pension cards of Sberbank MIR
3.5% per annum on the card balance.
You can find out more about the conditions for issuing and using Sberbank bank cards for pensioners.
See the conditions of the pension card at the Russian Agricultural Bank.
Sberbank deposit calculator: calculate the deposit
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.
Conclusions: what is the most profitable contribution of Sberbank for pensioners today
To answer this question, let's compare the interest rates of deposits. Let's say you want to invest 1 million rubles for 1 year. Which investment will be better?
Comparative table of deposits of Sberbank with an amount of 1 million and a period of 1 year
|
Contribution / Rate |
in rubles |
in dollars |
|
save |
||
|
Replenish |
||
|
Save Online |
5.75 % |
1.85 |
|
Refill Online |
||
|
Pension Plus |
||
|
MIR Map |
||
As you can see, Sberbank's "Save Online" deposit is the most beneficial for people of retirement age today.
How to make the most profitable Sberbank deposit for pensioners
As we understand, the most profitable deposit of individuals in Sberbank (excluding premiums) for pensioners is Save Online. How to issue it? To do this, having a computer connected to the Internet, is not difficult:
- 1. Log in to Sberbank Online and select the "Deposits and Accounts" section.
- 2. Select the menu item "Opening a deposit".
- 3. Read the conditions for depositing funds and select the appropriate deposit. Click Continue.
- 4. Fill out the application: select the debit account, the amount to be credited and the term of the deposit. Click "Open".
- 5. Contribution is open!
One of the most popular ways to save money today is a bank deposit. Among the investment instruments, bank deposits are considered the most reliable, thanks to the state deposit insurance (DIA). If the deposit amount does not exceed 1.4 million rubles (or the currency equivalent of this amount), then in case of revocation of the license from the bank, 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, 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:
- Term deposits:
"Save"
"Replenish"
"Control"
"Gift a life"
"Multicurrency Savings Bank of Russia"
"International"
savings account - Online deposits:
"Digital"
Save Online
Replenish OnL@yn
Manage Online - Deposits for settlements:
"On demand of Sberbank of Russia"
"Universal Sberbank of Russia"
"Pension plus" - Savings certificates.
We will try to compare Sberbank deposits and choose the best solution to save your finances. It is the preservation, and not the increase in income, as banks often claim. The interest offered by the bank for deposits, unfortunately, only covers inflation and does not generate income. However, the appearance of high-yield savings certificates, which Sberbank is so actively advertising, allows us to invest our savings today, but first things first. The first parameter of the deposit profitability is its interest rate.
TOP interest rates: we get the maximum income
13 fixed-term deposits, 2 perpetual and savings certificates - this is the piggy bank of deposits from Sberbank.
To date, the TOP interest rates on ruble deposits of Sberbank are as follows:
- Savings certificate from Sberbank - up to 8.8%;
- Online deposit "Digital" - up to 7.7%, with the ability 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);
- Deposit "Replenish Online" with an interest rate of 7.28% (including interest capitalization).
- “Replenish OnL @ yn” - with an interest rate of 7%.
- “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 deposits “Save”, “Replenish”, “Manage” and their online counterparts.
But a high interest rate does not mean that income at other rates will be lower. The effectiveness of the interest rate consists of such parameters 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 a high income on a deposit. An equally important criterion for profitability 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 already for the amount of the deposit plus interest for the previous period. We conclude:
The more often capitalization of interest occurs, the higher the profitability of the deposit.
So if the capitalization of the deposit occurs every month, then this increases our income. Consider the deposits of Sberbank, taking into account the capitalization of interest:
- Deposits with monthly capitalization:
Top Up 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 the Savings Bank of Russia, Pension Plus, Universal of the Savings Bank of Russia, "On Demand of the Savings Bank of Russia".
The Sberbank line includes deposits without capitalization, with accrual and 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. Parameters such as account replenishment and cash withdrawal are important for those who are not sure that they will not have to use savings. Let's compare the deposits of Sberbank in these two parameters.
Contributions can be divided in this way:
- Savings (neither the possibility of replenishment nor partial withdrawal);
- Cumulative (with replenishment, but without the possibility of partial withdrawal of funds);
- Settlement (with the possibility of partial withdrawal and replenishment);
- Demand deposits (you can also replenish and withdraw money).
Despite the high interest rate, savings deposits are often not profitable when terminated early. Savings deposits with monthly capitalization are quite an attractive investment product. Deposits for demand have the lowest rates, so they will not bring high income. Settlement deposits have decent rates and allow you to manage your funds without losing interest.
At Sberbank, according to the specified criteria, profitable deposits are:
Recharge Online, Recharge, 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 for them.
If we talk about multicurrency deposits (International and Multicurrency of Sberbank of Russia), choose them only if you have a good understanding of currency fluctuations. Otherwise, you risk losing your savings: not everyone can correctly guess the moment of transferring funds from one currency to another.
Let's summarize:
Deposits Replenish OnL @ yn and Replenish are the most profitable savings deposits of Sberbank in terms of 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”.
From the line of settlement deposits, the leaders are "Manage OnL @ yn" and "Manage".
Rates on online deposits at Sberbank are significantly higher than similar ones opened in the branch, which means that the leaders of the race are:
Top up Online, Manage Online, Digital. And they are joined by the widely advertised Savings Certificate from Sberbank thanks to an attractive interest rate.
Let us dwell on such a product as a savings certificate in detail. A savings certificate is a valuable unnamed bearer paper with a higher 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 in different types of deposits, including savings certificates.
Opening a deposit correctly: a step-by-step guide
Opening a deposit in Sberbank is simple, contact the branch or open it yourself using the Internet bank or application.
How to open a deposit at a bank branch
- Take the required amount and passport. Pension certificate or other documents (for example, about guardianship).
- 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.
- Read all the clauses of the contract carefully, do not hesitate to ask questions.
- Are you a foreign person? Present your migration card, residence permit or permission to stay in the Russian Federation.
- After completing all the documents, you will have a copy of the agreement with the bank, a savings book in your hands - find a suitable place to store them.
How to open a deposit remotely?
- To access Internet banking, get a login and password for access at a branch or at an ATM.
- Go to Sberbank Online @ yn, through a computer or an application on your phone.
- Select “Deposits and Accounts” from the menu.
- Select "Opening a deposit", fill out an application
- 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, specify the possibility of automatic prolongation (extension) of your deposit. So, for example, the Savings Certificate has a certain date of issue and you need to pick it up on time. More often, deposits can be extended many times: but the terms of the contract will be valid exactly on the date of its extension.
Decided to close the deposit? We will answer the most popular questions of Sberbank depositors:
- Opened a deposit online?
Then you can keep track of its expiration date through the Sberbank Online @ yn application. For deposits opened in the branch, the date can be found in the papers of the agreement;
- Did the closing date of the deposit coincide with the weekend and the bank is closed?
Easy to collect your savings on the next working day;
- What documents to bring with you?
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 the Practical Investor
So, due to the ease 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:
- Analyze the market of bank deposits, look for profitable offers.
- Good rates are usually offered by banks before the long New Year holidays, in December and summer, during holidays.
- 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.
- You can open several deposits for different periods. This will increase your chances of transferring funds without losing interest when more profitable offers from Sberbank appear.
- Master Sberbank Online: half as much running around, higher interest rates, easier to manage your finances.
- The deposit must not exceed the insurance amount of the DIA.
- In a crisis, open long deposits with the possibility of replenishment and the maximum interest rate, because when the situation stabilizes, there will be no such offers.
