Despite the wide variety of banks in thefinancial market, for the storage of their savings is often chosen by Sberbank. It is appreciated for its reliability, because all contributions made by individuals are insured by the state. However, interest rates on deposits are not leading among higher bids of other banks. This does not prevent him from year to year to remain competitive and to stay on the first lines in the financial market. What conditions does Sberbank offer now?
This deposit has at the momentannual rate to 4.45%. Open this deposit in Sberbank is possible for a period of one to thirty six months. The table below shows how interest varies depending on the term and amount of the placement.
The amount can be anything at your discretion, but notless than 1000 rubles or 100 US dollars. It is worth considering that the deposit does not provide for the withdrawal of part of the funds or replenishment. The interest on Sberbank's deposits comes to your account on a monthly basis, and you can choose the way of their enrollment. Thus they can remain on the deposit or be transferred, for example, to your card for further use.
The percentage of this type of financial product is already slightlyless - up to 4.1%. The deposit term can also be selected individually, but it can not be less than three months and not more than three years. The smallest amount of investment is 1000 rubles or 100 US dollars. This contribution to Sberbank, in contrast to the "Save", it is possible to replenish. If you make a cash payment, then the minimum equivalent of the replenishment will be one thousand rubles or one hundred dollars. It is more convenient to make such an operation by non-cash payment, so you can deposit even one ruble on your account. The number of replenishments is not limited. The deposit is also automatically renewed, and interest is credited to the account on a monthly basis with the possibility of capitalization. The table shows the dependence of interest on the amount and term of the deposit.
The maximum rate for this deposit in Sberbankat the moment it is 3.8% per annum. This deposit is convenient because you can safely manage your finances yourself, while receiving additional income, but with the condition that the account should always remain 30,000 rubles or 1000 US dollars. The term of the deposit is from three months to three years. Provision is made for withdrawal of funds and replenishment: cash in the bank's offices from 1000 rubles and $ 100, non-cash contributions are not limited. When withdrawing funds to the minimum threshold, that is, up to 30,000 rubles, you do not lose the previously accrued interest.
To get the maximum interest rates fordeposits in Sberbank, you just need to open your deposit through the Internet. However, this option is suitable only for holders of deposit cards of this bank. The scale of the organization is so huge that almost everyone has a plastic card of the Savings Bank to receive a salary or a pension, so you can perform this operation at home in a quiet environment from your computer or smartphone without imposing unnecessary services on you from the office managers. Moreover, you are always aware of what is happening on your account, and you can easily manage them. In the personal online office, the same deposits are offered for registration: "Keep", "Refill" and "Manage", but with a slightly higher interest rate - up to 0.35% than when opening at the bank office.
For a particular category of its customers,having a package of financial services "Premier" and "First", the bank offers a higher interest rate on deposits. For depositors who wish to receive a guaranteed permanent income, the "Special Save" product with a rate of up to 4.9% (up to 2% in dollars), from 700,000 rubles or 50,000 US dollars, for a period of one month to three years, without the option addition of funds and their partial withdrawal. For customers who prefer to save money, there is a special deposit with a replenishment function and an income of up to 4.45% per annum (up to 1.8% in dollars). The deposit amount is from 700,000 rubles, the storage period is from 3 months to 3 years. The same conditions apply to the "Special Management" deposit, but with the ability to freely manage your funds and annual interest rate to 4.15% (up to 1.45% in dollars). Deposits can be opened both in the personal account of Sberbank Online, and at your personal manager in special offices.
This species is a special product.Sberbank created these deposits of individuals in rubles to help children with oncological and other serious illnesses. 0.3% per annum of the deposit amount is donated every three months to the Give Life charity foundation. This organization was created in 2006 by actresses Chulpan Khamatova and Dina Korzun. By investing your money in this way, you will not only make a profit, but, importantly, help seriously ill children. The interest rate today is 4.15%. It can be opened only in rubles in the amount of 10,000 and for a period of one year. This deposit in Sberbank is not intended for partial withdrawal of funds or replenishment.
This account is issued only for childrenunder the care of. This contribution to the Savings Bank in the name of the child can be issued by his legal representative. It is necessary for this to provide an act of the guardianship authority. The interest rate is set at 3.35% per annum, the deposit term is 3 years. The number of renewals is not limited, but until 18 years it will be extended at 3.35%, and after the child reaches this age - at the “On Demand” deposit, that is, at 0.01%. There is a partial withdrawal and replenishment for any amount, the minimum account balance should not fall below one ruble. In a foreign currency, such a deposit cannot be opened. Interest is calculated quarterly, it can be withdrawn or left for capitalization, which is also provided for this deposit.
At Sberbank, deposits for pensioners have the following conditions.
These are the same deposits "Save" and "Top up",the only difference is that for citizens of retirement age the maximum interest rate is set for the term chosen by them, regardless of the amount of the account being opened. It does not need additional supporting documents, just a passport. The program automatically offers a higher percentage for deposits of individuals retired at Sberbank. Moreover, for this category of citizens, the bank offers to open a special account or a social card to receive pension payments with interest on the balance of the funds. The annual percentage is 3.5%, the accrual occurs every three months, while there are no restrictive conditions for the use of funds. It is also convenient that, without addressing the notary, you can issue a power of attorney or make a testament directly in the department.
Each year on the eve of the Great Victory Day, by May 9, the bank develops a deposit with special conditions.
This year you can open a deposit by the end of May.“I remember. Helping. 0.5% of the amount of interest received on your account will be transferred to the Foundation for the Support of Veterans “Memory of Generations”. The proposed period is 6 or 10 months, the minimum amount for opening a deposit is 100,000 rubles. Withdrawal and replenishment of the account are not provided. When opening a deposit from 100 to 500 thousand Russian rubles, the interest rate will be 5.50% per annum, from 500 thousand to 1 million rubles - 5.75%, with a deposit of 1 million rubles - 6%. Interest is calculated at the end of the term.
Contributions are automatically extended to the selectedTerm at the rate in effect at the moment in the bank. Many people sometimes have a misunderstanding of what this means, so we will look at an example. Suppose, on January 5, 2017, you opened the “Save” deposit for a year at 5% and did not close it after the allotted time limit. But for the year the rate, for example, fell to 4%. What happens to your deposit? Your funds also lie at 5% per annum, but on January 5, 2018, the deposit is extended automatically and already at the current rate of 4%. The number of prolongations for the above deposits is not limited.
There can always be a situation when you suddenlyYour money became necessary before the expiration of the contract. Experiencing in this case is not worth it, you can always pick up your initially invested amount. As for interest on deposits, Sberbank created the following conditions for such cases. For deposits up to 6 months with early termination, 0.01% per annum is charged.
For deposits with a storage condition of more than six months: if you withdraw funds during the first 6 months, 0.01% is also charged.
If the amount has lain for half a year or more, then upon termination, 2/3 of the rate set on the opening date of the deposit you have chosen is charged.
It should be noted that in case of early closing of the deposit of individuals, Sberbank recalculates the interest without taking into account their capitalization.
