What is a deposit in the bank Sberbank. What is the percentage in the Savings Bank on deposits. How to open a deposit in Sberbank: online simulator

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

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

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

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

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

Sberbank term deposits in 2020

Today, Sberbank offers six types of term deposits.

"Save"

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

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

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

"Replenish"

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

"Replenish" in the name of the child

Sberbank gives parents the opportunity to open a personal deposit for a minor child, which can only be closed upon reaching the age of 18. The minimum amount for placement is 1,000 rubles or $100, and the rate will be 4.6–5.15% for ruble deposits and 0.01–1.15% for dollar deposits. The account is replenished by any 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.

Deposit "Top up"

The minimum amount is 1 thousand rubles. Terms vary from 3 to 36 months. The maximum interest rate is 4.5% per annum. Interest payment every month. You can also choose capitalization. If the amount increases, the rate will increase. You can top up with 1000 rubles or more. Partial withdrawal is not possible. Important: If you open this deposit through the Sberbank Online service, then the interest rate will be increased (up to 5% per annum, depending on the term).

Contribution "Save"

All types of deposits in Sberbank of Russia, as well as the Save deposit, are aimed at minimizing losses from inflation.

The amount to open is 1 thousand rubles or more. The interest rate reaches 5% per annum. Capitalization or interest payments will be made every month. There is no possibility of replenishment and partial withdrawal. Important: If you open through the Sberbank Online service, the rate will be increased (max. 5.5% per annum).

Deposit "Manage"

The minimum amount for opening is 30 thousand rubles. Possible monthly withdrawal to a bank card or interest capitalization. The terms of the deposit provide for: auto-prolongation, replenishment and partial withdrawal. Max. rate - 4.2% per annum. Important: If this deposit is opened through the Sberbank Online service, then the interest rate will be increased (up to 4.7% per annum, depending on the term).

Deposit "Pension Plus"

This type of deposit is intended for pensioners. The minimum deposit is 1 ruble. The term of the deposit is 3 years. Interest will be capitalized or paid quarterly (to a bank card or current account). The interest rate on the deposit is 3.5% per annum. The terms of the deposit provide for: auto-prolongation, replenishment and partial withdrawal.

Every day, millions of people use the services of Sberbank of Russia. They open new deposits, withdraw cash 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 put money in Sberbank, at one of the existing tariffs.

Choosing the right deposit is a strictly individual process. Need to rely on several criteria:

• the amount a person is willing to pay. To date, you can open an account with Sberbank from 0.00 rubles;
• the period for which a person is ready to deposit the amount. Usually from 1 month to 3 years;
• additional functions. These include the possibility of replenishment and withdrawal;
• acceptable interest rate. Its size directly depends on the three previous points.

Overview of the most profitable Sberbank deposits for individuals

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

Memory of generations

1. Currency: Russian ruble only (other 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. additional contributions are not provided.
Monthly interest is charged to the deposit account or to another account (including a bank card) of Sberbank selected by the client in full or in part.

In case of early demand of the “Memory of generations” deposit, before the day of accrual of income for the current month, the entire percentage is burned.

The prolongation of a bank deposit (i.e., the extension of its validity period) is provided for under the conditions in force at Sberbank at the time of the prolongation. According to the contract, the number of renewals is possible repeatedly.

Savings account

1. Currency: both Russian ruble and foreign currency.
2. Minimum entry fee: 0.00 rubles.
3. The deposit is perpetual, 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 amount of the deposit, if the account is opened for foreign currency savings and savings, the interest rate is fixed - 0.01% per annum.

Account replenishment is allowed both in cash and non-cash, there are no restrictions on the amount.
Monthly interest is accrued to the Sberbank account chosen by the client and in full for the current calendar month when the Savings Account deposit is closed.

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 that are associated with the use of currency).
4. The interest rate, in this case, directly depends on the declared term and the deposited amount:

• from 1 to 2 months when deposited from 1,000 to 1,999,999 rubles and more - from 4.45% to 5.15%
• from 2 to 3 months 4.85% to 5.55%
• from 3 to 6 month c, upon depositing the same amounts, from 5.40% to 6.10%
• from 6 months to 1 year, when making the same amounts, from 4.95% to 5.65%
• from 1 year to 2 years, when making the same amounts, from 4.95% to 5.55%
• from 2 to 3 years, when making the same amounts, from 4.75% to 5.35%
• on the 3 years, when making 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 declared calendar day, to the Sberbank account selected by the client.

Replenish

1. Available currency: 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 terms. 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 on the Sberbank account chosen by the client, both in full and in part.

Repeated prolongation is possible on the terms and 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, 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.
The accrual of monthly interest is made 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 tariffs "Save", "Top up", "Manage" 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. With personal presence in any branch of Sberbank through an operator. In this case, you will need a passport of a citizen of the Russian Federation or any other identity document. The agreement is drawn up in two copies, one of which, after signing, is sent to the archive, the other remains with the depositor.
2. On the Sberbank-online website(You need to register there first). You will need a personal mobile phone number. The rest of the data will already be indicated in your personal account.

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

Deposits in Sberbank are 5 classic options for individuals, 3 types for pensioners, 3 special savings accounts, 3 accounts with the possibility of withdrawal and replenishment, as well as 1 deposit-"gift" for the child's majority. Sberbank deposits in 2019-2020 not only varied, but also dictate terms to other banks. This is an interesting fact, and we will also understand this. You can calculate the potential profit on the Sberbank deposit calculator.

But first, a few important introductory paragraphs.

Note from 08.10.2019: Almost all deposits the rate was reduced by 1%. The exception is the "Social" deposit, in which the percentage increased by 0.2 points: from 3.5% to 3.7%. The remaining deposits became less profitable.

For the older generation: Deposits for pensioners in Sberbank are presented in 3 options: one separate deposit and two special programs that operate in addition to the standard deposit.

There is also a simulator for opening deposits: Before submitting a real application for opening a deposit online, you can practice on the site. Sber has developed this service specifically for beginners in online banking.

Rate increase: Regardless of the deposit you can increase your rate by up to 1%.

How to get a higher rate? And what deposit is suitable just for you? Read below.

What to do if questions remain: At the end of the article we have support contacts. Bank specialists will answer any of your questions.

Sberbank deposits for today

Today, deposits in Sberbank set the trend throughout the market. Why is it important to know about this? In order not to make a mistake in choosing a bank.

In the first half of April 2019, many banks began to cut rates. First, VTB, then Rosselkhozbank and Alfa-Bank, joined the interest-cutting marathon and Otkritie Bank.

What was the reason? At the end of March, Sberbank prematurely suspended the Catch the Profit deposit. It was distinguished by high rates - up to 7.65% (if invested for a year and a half).

As soon as there was no need to compete with this Sberbank deposit - high interest rates began to collapse like dominoes and other financial institutions.

This was written about in all the media, and experts began to predict a further reduction in rates on foreign currency deposits.

Therefore, since the end of March 2019, deposit rates at Sberbank have not been the highest on the market - after the abolition of "Catch the Profit".

But there is a high probability that screw-on trend for depositors will continue, and soon other banks will begin to offer exactly the same conditions.

Because Sberbank is a benchmark for others. Recall that the bank was founded in 1841. As of January 2019, 70% of Russian residents use Sberbank services.

46% of deposits in the Russian Federation are deposits made in Sberbank.

How to raise your bid

There are three options for getting a higher rate:

• Open online. Given the availability of an online simulator, this will not be difficult;
• Invest from 5 million rubles- in this case, your rate is guaranteed to increase by 1%:
• Connect the Sberbank.Premier service package. At the same time, the minimum investment amount is 700,000 rubles.

The easiest option is the first one. Therefore, we will quote the current rates including opening an account online. Instructions for opening (including in video format) will be in the following sections.

Capitalization

Separately, it is worth focusing on capitalization. It is possible for all Sberbank deposit accounts, but the choice - to connect or not - is up to you.

Capitalization means that the interest accrued on the deposit will be added to the deposit amount and not listed on your map, for example.

Capitalization allows you to increase the rate and total income.

Below in the tables you will see the main percentages and "grey" interest- the latter and relevant subject to capitalization.

Sberbank: deposits for individuals in 2019-2020

Let's start with 5 "classic" Sberbank interest-bearing deposits that are relevant for individuals in 2019-2020.

Important information for pensioners: there are special conditions for you in two deposits (“Save” and “Replenish”).

We will describe them in general terms, and you will find more detailed information. next section.

Contribution "Save"

Sberbank's "Save" deposit is a combination of favorable interest and a wide range of investment terms.

• Maximum: 5% per annum(when applying online);
• Entry threshold: 1 000 ₽, $100.
• Duration: from a month to 3 years.
• Accrual %: every month;
• Early closure: maintained from 2/3 per annum if the account is closed at least 6 months after opening;
• Early closing for up to 6 months: recalculation at 0.01% per annum;
• Replenishment/withdrawal: no.

Important: For pensioners, the maximum rate is relevant. It does not matter the amount of the first installment, only the period of placement. The same conditions apply for "Replenish".

How to open a deposit in Sberbank: online simulator

You can try to apply for opening in test mode.

How it works:

• Go to the special website of Sberbank - deposits in test mode: trainer.sberbankaktivno.ru;
• Click on the button "To begin";
• Enter "fake" data (absolutely any) to enter supposedly existing Sberbank.Online account;
• Confirm login (re-dial any numbers);
• Follow the arrows: go to the section "Deposits and Accounts", choose the opening and choose the deposit of interest;
• Enter your deposit details(amount, term, and so on), confirm the terms of the contract;
• Hooray! Your fake account has been opened.

The simulator is designed so that a potential investor can practice and make sure that everything is simple.

There is also a video tutorial:

Sberbank deposit calculator

Enter the interest on the Sberbank deposit that you are interested in, as well as the term and amount to calculate potential profit.

Online calculator of Sberbank deposits - it is a fast and free way to calculate profitability.

Content

Financial instability forces citizens to think about the future. People try to make savings to limit themselves from the unexpected. Keeping the accumulated money at home is unwise. Funds in a reliable financial institution are placed without additional investments or with the possibility of replenishment.

What is a deposit in Sberbank

It is good to keep money in a bank. This guarantees the inviolability, security of savings and ensures the growth of savings. To place a deposit in Sberbank at interest means to increase your savings by the interest offered by the bank on invested funds. The reliability of the financial institution is ensured by the control of the main block of shares of the bank by the Central Bank. The state insurance system guarantees the safety of savings to depositors.

Types of Sberbank deposits

The bank offers its clients financial products for accumulation and increase of funds. The types of Sberbank deposits differ:

• the method of spending savings (it is allowed to use the accumulated funds or not);
• method of accumulation (with or without the ability to replenish savings);
• social orientation.

It is useful for depositors to know what deposits are in Sberbank today:

• Save;
• Replenish;
• Drive;
• Savings account;
• pension plus;
• Gift a life;
• Savings certificate.

Terms of deposits in Sberbank

Among the methods of accumulation offered by the bank, depositors can choose a convenient option. The terms of deposits in Sberbank provide for a monthly accrual of income on savings. Interest can be paid by crediting the account or issued in cash. Income can be added to the amount of deposit savings and monthly increase the amount for interest on invested funds. Interest is capitalized, it can be calculated using the calculator on the site.

Capitalization serves as a source of replenishment of deposits that cannot be replenished under the terms of the agreement. Sberbank cash deposits can be closed ahead of schedule. For bank deposit Keep withdrawals and the ability to replenish savings is not allowed. The Refill banking product provides for making additional savings (up to ten times the initial deposit) without the right to withdraw.

Depositors of the Manage deposit are given the opportunity to manage their savings - use the accumulated funds and make additional contributions (there are limits on the amount). A savings account does not imply restrictions on the number, amount of replenishment and partial withdrawal of funds. Interest is calculated on the minimum amount of savings during the month. The savings account is not urgent, the period of validity of the agreement is not limited by time.

For Save, Replenish, Manage, auto-renewal is possible. Incomes on the short-term deposit Give Life are accrued every three months. A special type of accumulation is the Savings Certificate, it can be given as a gift. Interest on savings is accrued at the end of the validity of the certificate, plus it is not subject to mandatory insurance.

Sberbank deposits for individuals in 2017

News of the Savings Bank of Russia on deposits inform the bank's customers about the termination of accepting foreign currency deposits: Multicurrency of the Savings Bank of Russia; International. The opening of deposits was completed in December 2016, and they are in the archive of Sberbank. The deposits were intended to save the invested funds of the population from fluctuations in the ruble exchange rate.

Shares on Sberbank deposits today

The bank's archive contains the Happy Payment campaign. There is no information about new promotions on deposits. Holiday promotions for deposits with Sberbank ended in January 2019: Maximum percentage; Seasonal. Now bank depositors who have issued a debit card are using the Thank You campaign. When paying by card, they receive bonuses on their account and exchange them for money.

Interest on Sberbank deposits today

The maximum interest on deposits in Sberbank is offered for a savings period of 6-12 months. Within the accumulation period, an increase in the amount of up to 700,000 rubles can increase the profitability of savings. Sberbank's interest on household deposits increases by 0.51% when a deposit is opened remotely.

The following interest rates are currently in effect on deposits with Sberbank:

• Save - 4.6-6.74%;
• Replenish - 5.72-6.23%;
• Manage - 4.62-5.71%;
• Savings account - 1.5-2.3%;
• Give life - fixed 5.95%;
• Savings certificate.

Tariffs for Sberbank ruble savings of the population depend on:

1. purpose of the deposit;
2. term of the contract;
3. way of concluding a contract.

Profitable deposits of Sberbank

The financial institution offers its investors programs that can generate high income. Profitable Sberbank deposits for individuals are issued to citizens who use the Sberbank Premier service package. Anyone can purchase a package. To the package of premium services, depositors receive a special offer with an increase in the deposit rate: Save; Replenish; Manage.

Special offers on deposits are shown in the table:

Currency deposit in Sberbank for individuals

The Bank provided an opportunity for its customers to make savings in foreign currency. Individuals have the opportunity to make currency savings and protect their savings from inflation. Currency deposits in Sberbank exist for deposits: Keep; Replenish; Manage. The conditions for replenishment, withdrawal, early termination for them remain the same as for ruble deposits.

Currency deposit in dollars in Sberbank

Deposit Save for dollar savings eliminates the possibility of additional deposits and withdrawals, Replenish - allows replenishment of investments. A foreign currency deposit in dollars at Sberbank Manage provides an opportunity to increase the amount and withdraw savings. The maximum return on invested dollars is offered to citizens for a cumulative period of one to two years and a savings amount of $20,000. Specify the conditions in the table:

Euro deposits at Sberbank today

Depositors can make savings in euros. Among all deposits, the profitability of euro investments is minimal. The profitability of the euro deposit is set at 0.01 percent per annum. Deposits in euros at Sberbank differ in today's minimum size and accumulation period. Euro savings at a minimum yield help citizens protect their accumulated funds from depreciation. See the conditions in the table below:

Sberbank deposits for pensioners

There are special offers from the bank for pensioners. For them, a profitable deposit is provided in Sberbank Pension Plus. The terms of the deposit imply the possibility of unlimited replenishment of the accumulation, withdrawals - up to the level of the minimum initial contribution. Deposits Save and Replenish are issued to pensioners on general terms, but the maximum interest rate is provided for each accumulation period.

Compare Sberbank deposits for pensioners and their conditions in the table:

Put money at interest in Sberbank

There are two ways to open a deposit in Sberbank for an individual:

1. In the presence of a bank manager. The contract is drawn up upon presentation of a passport (for pension banking products - a pension certificate).
2. Independently on the official website of the bank. Payroll card holders can put money at interest in the online system. Replenishment of funds is carried out by the depositor in a non-cash way. The banking service provides customers with a calculator with which you can choose the best deposit option.

What deposit is better to open in Sberbank

The investor needs to analyze his financial capabilities and make a choice for investing money, you need to consider:

• whether he will use the savings;
• whether he will have the opportunity to contribute additional funds;
• how much he wants to make a profit (profitability can be calculated using a calculator on the bank's website).

To obtain a high income, the depositor benefits from savings options from Sberbank with a high interest rate: Save; Replenish; Gift a life; Savings certificate. With the Manage deposit, the depositor gets the opportunity to replenish and withdraw savings with certain restrictions. The terms of the Savings Account do not provide for restrictions, but offer a minimum income.

Video: interest-bearing deposits in Sberbank-online

Discuss

Sberbank deposits for individuals: interest rates