It will be extremely easy for you to decide which deposit in Sberbank is most profitable today to put money on. Determine which of the options below are right for you.
How profitable to invest money?
On this moment so many people are concerned about the question of how to maintain and increase their savings? Indeed, in our country there is a fairly large one, which annually "eats" part of our savings.
To minimize this process, you need to invest your free cash wisely. If you have on hand large sums, you can try to invest in , etc., and if a small amount, then the most best option- This is a deposit.
Why a contribution? The fact is that this is one of the safest investment options - it does not require huge sums of money, special knowledge, and involves almost no risk.
You can always get back the amount that you have invested, and if you have complied with the terms of the contract - also with interest. Plus, deposits in banks are insured by the state for up to 1.4 million rubles, you can read more about this.
Most Russians unanimously choose to open a savings account, and there is only one reason for this - reliability. Next, we suggest that you consider in more detail the conditions of its most profitable programs.
save
- You have savings of more than 1000 rubles, 100 US dollars or euros. More about multicurrency deposits you will learn on this page
- You are sure that you will not need these savings for a certain time - from one month to three years.
- You do not plan to withdraw money or replenish an open account. You will be satisfied with the opportunity to use only the accrued interest.
- Your task is not just to save, but to maximize your savings.
- Depending on the term you choose and the amount you have, the rate will be from 3.80% to 5.15% per year.
The most comfortable conditions are provided for pensioners, for whom the rate does not depend on the size of the deposit, but only on the selected period. Read more on this page
Replenish
- Even one thousand rubles or one hundred euros / US dollars will be enough. This is the minimum down payment for registration.
- You want to save up by a certain date, that is, you clearly know for what period you need to open a deposit - from three months to three years.
- During this time, you plan to replenish your account. You only need to take into account that additional payments should be from 1000 rubles / 100 US dollars / 100 euros, and that there is a limit on maximum amount (an initial fee multiplied by ten). This restriction does not apply only to depositors of retirement age.
- You will be satisfied with the condition that you can withdraw only interest.
- Your job is to accumulate.
Interest - from 3.60% to 4.7% per annum depends on the deposited amount and the established period. Maximum - for accounts with more than 2 million rubles, opened for a period of 6 to 12 months. More details about this deposit - on this page
drive
- You set yourself the task of accumulating, but at the same time provide for the possibility of withdrawing funds from the deposit if necessary. You can shoot up to the minimum.
- Your starting capital is 30 thousand rubles or more, 1000 USD/EUR or more. More about the program
- The term and restrictions for this program are the same as for the "Replenish" product. The rate is from 2.9% to 4.4%.
An advantageous offer for those who want to always be able to use their funds without losing interest, as well as deposit an additional amount into their account.
Important: there is a restriction on the replenishment function under the "Replenish" and "Manage" programs. You must remember the maximum amount, which should not exceed 10 times the original investment.
If the deposit amount exceeds the maximum, then the difference between the actual deposit amount and maximum interest are accrued at a rate of 1/2 of the deposit rate in effect on the date of the excess. This restriction does not apply to pensioners.
"Record"
Promotional offer, which can be used until November 30 current year. For registration, you will need to make a contribution in the amount of 50 thousand rubles, the term of the contract is from 7 months to 1.5 years.
The yield will be from 6.5% to 7.15% per year, respectively. Opening is possible at ATMs, via the Internet, in the office, detailed conditions are described in
Deposits with higher rates
For owners of service packages - Premier/First.
- Special Keep (up to 4.9%, 1 million, up to 3 years, without replenishment and withdrawal).
- Special Replenish (up to 4.45%, 1 million, up to 3 years, with replenishment, but without cashing out part of the funds from the account).
- Special Manage (up to 4.15%, 1 million, up to 36 months, with the possibility of withdrawal and making additional contributions).
Social Contribution
Designed for children who are left without parents. It can be opened in the name of the child by his legal representative. The rate is 4.25%. Period - 36 months, amount - from 1 ruble, with replenishment and withdrawal.
Deposit "Give life"
Designed to support children with hematological, oncological and other serious diseases. The rate is 5.05%, the term is 1 year. No cashing out or withdrawal. Amount - from 10 thousand rubles. Every 3 months, Sberbank transfers charitable foundation 0.3% of the amount in the deposit account.
To calculate your income for any of the above offers, use the online calculator.
Deposits of various types are always aimed at saving money and increasing its amount. Everyone disposes free funds differently. Some invest in real estate, cars, precious stones or metal.
Interest-bearing deposits are the most popular. Many financial institutions on the territory of our country offer such services to their customers. Sberbank in Russia has long taken a leading position and continues to hold them. He received his special status thanks to favorable conditions for the following operations:
- Loans for clients.
- The attachment Money.
- transfer operations.
- Issue of securities.
Therefore, many are interested in the conditions for investing in this institution. A significant part of the citizens Russian Federation choose Sberbank in order to put money into its accounts at interest. Such demand can be explained by the special qualities of the bank:
- Stability.
- Safety
- Loyalty.
- Reliability.
Except positive feedback consumers and a good reputation, the bank has the following advantages:
- Choice various kinds deposit projects.
- How to open a deposit foreign currency or in rubles.
- Insurance for most investments.
- High interest rates for pensioners who have opened a deposit.
- Prompt registration of a deposit in any branch of Sberbank.
- The way to open a deposit online.
- Calculation of profit using an online calculator.
- Providing early termination of the agreement and withdrawal of finances at any time.
Important. How much will be received from the deposit income always depends on the savings and interest included in the specific Sberbank program. Rates usually range from 0.01 to 10 percent per annum.
The deposit is in demand in our country, as it allows you to invest free money and increase it.
In order to put financial resources to an interest-bearing account, the client needs to have bank deposit in Sberbank.
Types of investments in Sberbank
To date, there are more than 10 deposit programs offered by Sberbank. Among them, everyone can choose the option that suits him, based on the accumulated funds and the investment period.
- "Savings Certificate". This contribution is a security bearer, which is not subject to insurance. The certificate is relevant as a gift or for various trips. This is its main advantage. The minimum investment amount is set at 10,000.00 rubles. The term is from 3 months. The interest rate on the certificate is 8.45%. You can withdraw the invested investments and interest on them only after the expiration of the investment period.
- Contribution "Save". The deposit is in demand among the population, as it implies loyal and acceptable conditions. The minimum investment is 1000.00 rubles. Investment in this project provides for an interest rate of 5.1%. The percentage varies depending on the amount and terms. During the specified period, it is allowed to use the calculated interest, but it is forbidden to withdraw and replenish the account. After the expiration of the term, Sberbank automatically renews the agreement, unless the client himself wants to terminate the agreement. This contribution is relevant for pensioners. They will receive income on investments at interest rates from 5.1% to 8.75%.
- "Replenish" the deposit suggests a way to deposit additional money in an unlimited amount. The main thing is that each time it is recommended to invest an amount equal to the previous deposit. The duration is from 3 months to 3 years. The rate is set at 4.15% and above. It depends on the term and amount of the deposit. The minimum investment amount is 1,000.00 rubles, or $100. Withdrawals before the end of the term is not possible. It is allowed to withdraw and use accrued interest. At the end of the investment period, the deposit is automatically prolonged, or the contract is terminated ahead of schedule.
- "Manage". The minimum investment to open this deposit is 30,000.00 rubles. Its validity period is from 3 months to 3 years. Such a program allows partial withdrawal or replenishment. The interest rate on it is set from 4.55% to 7.25%. Depositors monthly withdraw interest and dispose of it. It is important to remember that the replenished amount should not exceed ten times the initial deposit of the depositor. When withdrawing funds, consider minimum size no reduced balance and not go beyond it. A deposit of this kind also allows you to make a deposit in dollars, the amount of money in this currency should not be less than 1000 dollars.
- "Gift a life". It is not only profitable, but also useful, as it is charitable. The minimum investment must be at least 10,000.00 rubles for 12 months or more. Part of the funds received (0.3%) is transferred by the bank to a charitable foundation. The Foundation is engaged in supporting children with oncological and hematological diseases. The deposit assumes an interest rate of 5%. The deposit does not provide for the possibility of withdrawing and replenishing the account.
- "Savings account". This deposit is perpetual, and therefore beneficial for most depositors. The interest rate on the deposit is set at 2.3%. The main advantage is that the deposit is replenished and cashed out in unlimited quantities and in any convenient currency.
- "Good year." The minimum deposit amount must be 10,000.00 rubles. The term is 3 months. Payments are made after the end of the established deposit period. The interest rate on the deposit is 8%.
Regardless of how much interest Sberbank has set on the deposit, the client is sure that he will receive his profit.
Features of opening a deposit in Sberbank
There are two ways to open a deposit with Sberbank: remotely and directly at a branch of a financial institution.
For Sberbank customers who have the Sberbank Online system connected, a method of making a deposit via the Internet is available. In addition, higher interest rates per year will be set for some projects. These include:
- Manage - 6.23%.
- Save - 6.95%.
- Replenish - 6.69%.
To arrange one of the deposits remotely, you need to acquire debit card or an account to which the minimum amount of funds is required to be credited. To apply online, you must do the following:
- Log in to your personal account.
- Go to the "Deposits and Accounts" section.
- Select "open".
- Select the appropriate deposit and click "continue".
- Fill out an application in the window that opens.
- Click "open" and wait for a response from the bank.
After the application is approved, bank employees will contact the depositor and instruct him on how to proceed.
A calculator is available on the website for clients that will calculate the estimated income. They are used in the official application. The calculator gives the result of the calculation after filling in the required fields and clicking the "Calculate" item. The calculator allows you to calculate the amount that needs to be replenished additionally and takes into account many factors. Such as: The timing of the last withdrawal or replenishment of the warehouse. The more additional options will be specified, the more accurate the amount of the expected income will be received by the depositor.
Important. To open a deposit at the Sberbank office, you need to come to any branch with the relevant documents: a passport of a citizen of the Russian Federation, SNILS, a pension certificate if any. An agreement will be signed with the client. After that, an account is opened, on which the depositor will deposit the minimum amount, depending on the type of deposit.
Making investments in Sberbank is a profitable and practical investment, regardless of the type of deposit chosen. Wide range of programs and additional services will allow you to choose the deposit option for different segments of the population. Sberbank will help you profitably invest your savings under a large percentage and guaranteed security of investments.
In 2018, Sberbank lowered deposit rates for individuals. The leadership of this largest Russian bank explains that such measures are dictated by the prevailing general trend in the country to reduce interest rates. What deposit conditions are currently offered by Sberbank and how profitable is it to place deposits with the bank at the moment?
All deposit products Sberbank can be divided into certain categories:
- Deposits with the possibility of replenishment.
- Deposits without the possibility of replenishment.
- Deposits, interest on which is calculated and paid every month.
- Deposits with partial withdrawal of funds without loss of interest.
- Deposits without early withdrawal of money.
As for the currency, now the bank accepts only ruble and dollar deposits. For those wishing to make a deposit in euros, Sberbank can only offer a Savings Account with an accrual of 0.01% per year.
Important: all types of deposits issued in national or foreign currency provide for the possibility of interest capitalization.
"Save" and "Save Online"
They belong to the basic line of Sberbank deposits for individuals. They differ in higher percentages relative to other products. This type of investment is chosen by those who have the opportunity to invest large amounts without having to withdraw funds from the account before the end of the contract. The "Save" deposit and its online counterpart do not provide an opportunity to replenish the account and partially withdraw funds without loss of profitability. Only the possibility of capitalization by interest is provided.
Interest ratesfor the “Save” deposit today (% per annum):
Interest ratesfor the "Save Online" deposit today (% per annum):
Interest rates on depositsat "Save" (in
Interest rates on depositsat "SaveOnline" (independing on the amount and term of the contract):
Advice: check out the list of financial institutions offering.
"Recharge" and "Recharge Online"
These deposits allow you to keep savings in both domestic and foreign currencies (US dollars). The minimum deposit allows you to deposit at least 1 thousand rubles or $ 100 in cash into the account. And to replenish non-cash payment limits have not been set. The growth of the interest rate depends on the amount of the deposit. Deposit "Save" and its online counterpart provide an opportunity to replenish the account, but do not allow partial withdrawal of funds. Only the possibility of interest capitalization is provided.
Interest ratesfor the “Top up” deposit today (% per annum):
Interest ratesfor the "Top up Online" deposit today (% per annum):
Interest rates on the deposit "popolnyay" (depending on the amount and term of the contract):
Interest rates on depositsat "popolnyayOnline" (independing on the amount and term of the contract):
Summing up
Sberbank of Russia offers a variety of deposit options - for any choice and for all population groups. By visiting a bank branch or reading the information on the official website, workers, military personnel, pensioners and other categories of citizens can choose suitable deposit conditions for themselves.
In order to choose the optimal conditions for a deposit at Sberbank, first of all, it is necessary to determine the goal: a short-term placement of money or providing for yourself (relatives or friends) financial security in future. It is also important to find out whether, according to the terms of the deposit, it is possible to replenish the account or withdraw funds from it.
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).
| Sum | Term / Interest rate | ||||
| from 3 to 6 months | from 6 to 12 months | from 12 to 24 months | from 24 to 36 months | 36 months | |
| from 1 tr. | 3.85% | 4% | 3.8% | 3.75% | 3.7% |
| from 100 tr. | 4% | 4.15% | 3.95% | 3.9% | 3.85% |
| from 400 tr. | 4.15% | 4.3% | 4.1% | 4.05% | 4% |
| from 700 tr. | 4.35% | 4.5% | 4.3% | 4.25% | 4.2% |
| from 2 million rubles | 4.35% | 4.5% | 4.3% | 4.25% | 4.2% |
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).
| Sum | Term / Interest rate | ||||||
| from 1 to 2 months. | 2 to 3 months | from 3 to 6 months | from 6 to 12 months | from 12 to 24 months | from 24 to 36 months | 36 months | |
| from 1 tr. | 4.8% | 4.15% | 4.35% | 4.5% | 4.4% | 4.35% | 4.3% |
| from 100 tr. | 3.95% | 4.3% | 4.5% | 4.65% | 4.55% | 4.5% | 4.45% |
| from 400 tr. | 4.1% | 4.45% | 4.65% | 4.8% | 4.7% | 4.65% | 4.6% |
| from 700 tr. | 4.3% | 4.65% | 4.85% | 5% | 4.9% | 4.85% | 4.8% |
| from 2 million rubles | 4.3% | 4.65% | 4.85% | 5% | 4.9% | 4.85% | 4.8% |
Deposit "Manage"
The minimum amount for opening is 30 thousand rubles. Monthly withdrawal possible 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).
| Sum | Term / Interest rate | ||||
| from 3 to 6 months | from 6 to 12 months | from 12 to 24 months | from 24 to 36 months | 36 months | |
| from 30 tr. | 3.55% | 3.7% | 3.25% | 3.15% | 3% |
| from 100 tr. | 3.7% | 3.85% | 3.4% | 3.3% | 3.15% |
| from 400 tr. | 3.85% | 4% | 3.55% | 3.45% | 3.3% |
| from 700 tr. | 4.05% | 4.2% | 3.75% | 3.65% | 3.5% |
| from 2 million rubles | 4.05% | 4.2% | 3.75% | 3.65% | 3.5% |
Deposit "Pension Plus"
This type The deposit is intended for pensioners. Minimum deposit- 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.
| Sum | Term | Interest rate |
| from 1 p. | 36 months | 3.5% |
Suggested line deposits in Sberbank of Russia for individuals is extensive and diverse. In fact, it is not difficult to deal with them, because each type of deposit is purposefully designed for a certain category of customers. And therefore, the concept of "the most profitable deposit of Sberbank" is ambiguous and is determined for each depositor individually, based on specific conditions and financial capabilities.
Before investing in Sberbank at interest, choose the best option for yourself.
The most profitable investment of funds is determined by the interest rate: the higher it is, the more profitable the deposit will be.
The interest rate depends on:
- amounts;
- term;
- how the deposit is opened - in a branch or remotely;
- frequency of interest accrual.
When choosing, you also need to pay attention to additional features:
- replenishment, which will allow you to accumulate the required amount;
- early withdrawal if there is an unforeseen need for funds;
- capitalization of accrued interest, in which the amount of remuneration is added to the initial amount and further accrual of interest is made on the total amount of the deposit;
- payment of the amount of accrued interest, then you can spend them.
If you have free money temporarily, it is better to open a term deposit for the period that suits you.
It should also be remembered that there are special conditions for pensioners on deposits in Sberbank.
Proposed short review will help you choose the right deposit in Sberbank.
Term deposits
The line of term deposits of Sberbank in 2017 includes the following types deposits:
- "Save", "Replenish", "Manage";
- "Save Online", "Replenish Online", "Manage Online";
- "Special Save", "Special Replenish", "Special Manage" - with increased rates for owners of the Sberbank Premier service package;
- "Social";
- "Gift a life";
- savings account.
The main basic deposits are “Save”, “Replenish”, “Manage”, we will consider them in more detail. The rest are their varieties or represent special solutions.
"Save", "Replenish", "Manage"
Most profitable deposits in this group - "Save", today they have the highest interest rate. This deposit is convenient for depositors who own free cash and can place it for a certain period without the possibility of early withdrawal. Of course, you can terminate the contract at any time, but with the loss of all accrued interest.
"Replenish" will help to accumulate required amount for purchase or any other purpose. Deposits and partial withdrawals provide the opportunity to set aside certain amounts or withdraw them in case of unexpected expenses.
"Manage" - allows you to freely manage funds: you can replenish or partially withdraw amounts without losing interest. But the minimum amount to open this type of deposit is quite high.
The main characteristics of the deposits are presented in Table 1.
"Save Online", "Top Up Online", "Manage Online"
The line of deposits "Online" differs from the basic deposits of the same name with an increased interest rate.
Consider, as an example, interest rates in rubles:
- "Save Online" - from 4.05 to 5.63;
- "Replenish Online" - from 3.95 to 5.12;
- "Manage Online" - from 3.25 to 4.82.
Deposits for owners of the Sberbank Premier service package
The group of deposits with increased rates - "Special Keep", "Special Replenish", "Special Manage" is available for opening only to users of the Sberbank Premier package.
This line differs from the basic one more a high percentage rates and great value minimum amount contribution.
Special deposits
The group of special deposits includes 3 types of deposits.
- "Social" - for orphans. It is opened only by employees in Sberbank branches. It is mandatory to present documents on guardianship issued by guardianship authorities.
- “Give Life” is a contribution for charitable clients. Sberbank quarterly transfers funds in the amount of 0.3% per annum of the deposit amount to the Podari Zhizn charitable foundation. Assistance is provided to children with oncological and hematological diseases.
- A savings account will allow you to freely dispose of funds. Daily account management, including deposits, payments, partial withdrawals.
Perpetual deposits
This group of termless deposits is represented by 3 types. All of them are replenishable, with the possibility of partial withdrawal.
- “On demand of Sberbank of Russia”, an analogue of a current account.
- "Universal Sberbank of Russia" is recommended for making transfers and payments, a reliable and convenient tool.
- Nominal account for enrollment social payments. It is opened only in Sberbank branches in the name of parents, trustees or guardians to receive funds for the maintenance of minor children or incapacitated citizens.
Contributions for pensioners
For pensioners, Sberbank has developed special program"Golden Years", within the framework of which the deposit "Pension + Sberbank of Russia" and special preferential conditions for deposits are offered:
- "Save"
- "Save Online"
- "Replenish"
- "Replenish Online".
Higher interest rates and the absence of conditions on the value of the minimum amount will allow people of retirement age to receive additional benefits.
The most profitable are deposits placed for a longer period, without the possibility of replenishment and withdrawal, opened remotely through ATMs, terminals or the Sberbank Online application.