Percentage capitalization of the deposit on the Sberbank pension card. Social card of Sberbank - Sberbank-Maestro "Social
An interesting way to generate passive income is to capitalize a deposit in Sberbank. What it is, how profitable it is, how to arrange it - will be described in the article.
Deposits with interest reinvestment: does it make sense
Russian banks are constantly expanding the range of products offered to the market. This is due, on the one hand, to the growing, diverse demands of consumers. financial services, on the other hand, by increasing competition between banking institutions seeking to attract as many active customers as possible by securing their loyalty. The service of capitalization of monetary deposits placed in bank institutions is of great interest. This opportunity is provided today by many financial institutions motivated to deepen cooperation with clients.
Financial giant Sberbank offers depositors an interesting option - capitalization of interest on a deposit account. This should contribute to a tangible increase in passive income generated from bank deposits.
The meaning of such capitalization is reinvestment, the accumulation of interest income, regularly accrued by the bank on the client's cash deposit. The deposit interest earned by the depositor for a specific period is not withdrawn by the recipient of the income, but, as it were, is added to the principal amount of the deposit, replenishing the base for calculating the rate in the next period. It turns out that the value of the deposit initially placed by the client systematically (as an option, monthly) increases by the amounts of regular interest charges, the size of which also gradually increases, since their accumulation leads to an adequate increase in the base for calculating the deposit interest. This practice has received the name "compound interest" in the expert environment - it is according to this principle that capitalization is carried out.
Financial institutions that attract customer funds for deposits offer to open term deposits with the accumulation of interest income. Of course, both depositors and banks may be interested in this.
Usually, the depositor agrees not to withdraw the earned interest during the entire period of the deposit, but to direct it to replenish the base for subsequent accruals, which leads to a significant increase in his passive income and, as a rule, allows protecting the funds immobilized by the deposit from the negative impact of inflation.
To finance its commercial activities, the bank receives a larger volume of monetary resources, which it can be guaranteed to have as long as the term of the deposit agreement with the client is in effect.
Different options for reinvesting interest charges may apply. Their main classification is determined by the agreed terms of capitalization:
- Deposit, accrual and accumulation of interest on which are made monthly;
- Deposit with quarterly accrual of reinvested interest income;
- A deposit in which the accrual of interest to the client to be accumulated is provided only once a year;
- A deposit, the terms of which imply the use of interim terms for the accrual and capitalization of interest income (for example, the bank and the depositor can agree on a daily or semi-annual reinvestment).
The most popular type of capitalization is considered to be the option in which interest is accrued to the client with their simultaneous reinvestment every month throughout the entire period of the deposit.
Deposits with capitalization: current offers from Sberbank
Sberbank willingly invites customers to place cash deposits with monthly capitalization of accrued income. This scheme is considered the most suitable for both banking institution, and for the depositor himself. The range of deposits with monthly accrual and reinvestment is represented by a number of products.
For example, "Universal" and. it term deposits... The client is charged a rate on them, minimum size which is 0.01%. These offers can be considered full-fledged analogs of ordinary savings books, which imply the elementary preservation of the invested funds, and also provide for the possibility of the depositor withdrawing money at his personal discretion.
More profitable and convenient offers are deposits with monthly capitalization, which can be issued by the client via the Internet (online):
- Perpetual deposit. Minimum bet- 1.5%. Incoming and outgoing transactions on this deposit can be carried out both by non-cash transfers and by means of cash.
- "Save". The choice of the possible term under the contract is limited to the range of 1-36 months. The rate is set in the range of 6.5% -8.4%. Making any transactions with the funds of the main deposit is not allowed. Spending money is possible only within the limit determined by the amount of accrued income.
- "Refill". The term of the agreement is determined in the range of 3-36 months. The rate is set from the range of 7.05% -8.05%. Incoming transactions can be made both in cash and non-cash. Expense transactions- only within the limits of the added interest.
- "Manage". The term of the agreement can be from 3 (three) months to 3 (three) years. The range for the possible interest rate is from 6.15% to 7.6%. Receipt and expenditure of funds is allowed. Expense transactions - only up to the minimum balance amount.
Many clients already know from their own experience what capitalization of a deposit in Sberbank is. To order any of these four products, the client must visit the website of this institution, open the appropriate section and enter the following parameters online:
- Choose a variety;
- Confirm capitalization;
- Assign an interest rate;
- Determine the term of the deposit.
Russian pensioners have two ways of receiving a pension - through branches postal service and through credit institutions... In the case of choosing the first method, the pensioner must determine whether he will receive a pension at the post office, or the postman will deliver it. If the pensioner wants to receive money through the bank, the pension will be credited to his current account (card account) or deposit account without commissions on the set date.
The advantage of transferring a pension to a bank card is obvious - there is no need to stand in queues or adjust to the postman's work schedule, especially credit organisation may charge interest on the account balance. However, in this case, the question arises of choosing (evaluating) a bank - it must be large (with a wide network of branches and ATMs) and reliable, and since Sberbank primarily falls under these criteria, then we will consider all the pros and cons of receiving a pension in this bank.
Ways to receive a pension at Sberbank
So, Sberbank has developed two options for receiving a pension for pensioners:
- to the Sberbank-Maestro "Social" card;
- on a savings account, or rather on the "Pension Plus" deposit.
Most pensioners prefer the first option - a card, but there are also those people who find it more convenient to place funds in the old fashioned way, in a savings bank. At the same time, the basic conditions for the deposit and for the card are no different:
- interest rate accrued on the balance of funds on the account - 3.5% per annum;
- interest capitalization is carried out on a quarterly basis (they are added to the body of the deposit), due to which the effective rate is higher than the nominal one and is 3.67%.
Let's consider the terms of the deposit in more detail: the Pension Plus deposit is made for a period of 3 years, its minimum amount is 1 ruble, replenishment and withdrawal of funds from the account is permissible (there is no minimum minimum balance). In case of early termination, the pensioner does not lose the already accrued interest, but they are calculated without taking into account capitalization. The deposit can be prolonged, a power of attorney and testamentary disposition can be written out to it in the bank. When servicing, it is imperative to provide not only a passport, but also a passbook, which, in case of loss, must be restored.
In comparison with the "Pension Plus" deposit, a more convenient option for pensioners who are not afraid to use an ATM is, of course, the Maestro "Social" card, more about it later.
How to get a Maestro Social card?
It is not difficult to issue a Sberbank social card. If you have not previously received a pension at Sberbank, then you must:
- choose a branch of Sberbank that suits you;
- apply with your passport and pension certificate;
- receive a ready-made card and details, which then need to be transferred to Pension Fund... The approximate term for issuing a card is 7 working days for Moscow, St. Petersburg, and 10 working days for other regions.
If a pensioner received a pension at Sberbank for a savings account, you just need to choose a suitable branch, fill out an application for the card and pick it up when it is ready. You do not need to apply to the Pension Fund.
Having spent quite a bit of time to issue a card, you have the opportunity to receive several advantages at once: about them, as well as about the restrictions set for holders of a savings card for retirees - below.
Advantages and disadvantages of a pension card from Sberbank
The undoubted "advantages" of using a social card from Sberbank are:
- the ability to withdraw funds from the account at any convenient time, while receiving a low, but still income in the form of interest accrued on the balance;
- the ability to pay for purchases in stores, pharmacies, clinics, etc., while receiving discounts. On the bank's website, you can select the region, city and the sphere of trade and services you are interested in in order to find out where you can get discounts in the amount of up to 12% (the most significant discount for pensioners is provided by pharmacies, opticians, grocery stores, etc.);
- the ability to issue an order for a partial or full automatic transfer of the pension from the card to the "Replenish" deposit, the interest rate of which ranges from 5.30% to 6.60% (depending on the term of the deposit);
- no fees for issuing and re-issuing the main card, crediting funds to the account of the cardholder, withdrawing funds from an ATM, receiving statements, blocking the card, etc.;
- long card validity period - 3 years and automatic card re-issuance (if 60 days before its expiration the client does not notify the bank about the refusal to re-issue);
- the possibility of issuing an additional card in the name of a trustee, which can even be a child aged 10 years or older, if he is a relative of a pensioner, or any citizen aged 14 years or older, regardless of whether he is a relative of the main card holder, or no. Issuance of an additional card costs 150 rubles, a fee of 150 rubles per year is charged for its maintenance. By additional card you can set monthly limits on withdrawals and payments in the trade and service network.
However, in addition to the "pluses", the Sberbank-Maestro "Social" card has some drawbacks:
- installed daily limit for withdrawing funds from ATMs - 150,000 rubles. When withdrawing an amount over 150,000 rubles at the bank's cash desk, the pensioner will have to pay a commission - 0.5% of the amount exceeding the daily limit;
- the card is serviced only in the ATM and terminal network of Sberbank;
- the card is valid only on the territory of Russia;
- on map Maestro"Social" currency conversion is impossible;
- the card does not have a CVV2 / CVC2 code, therefore, it is impossible to pay for goods and services on the Internet using it;
- when the card is reissued in case of its loss, changes in the personal data of the cardholder or loss of the pin code, a commission is paid - 30 rubles;
- when issuing a card not at the branch to which the client's account is assigned, a commission is charged within 300 rubles (set by each regional bank individually).
Despite these shortcomings, in general, a pension card from Sberbank is an excellent solution for most pensioners. With its help, they can not only receive their pension at ATMs and cash desks, make purchases in stores and transfer funds to a deposit, but also:
- make payments to legal entities in information and payment terminals of Sberbank;
- transfer funds from card to card within Sberbank;
- connect to the service "Sberbank OnL @ yn" and apply for more favorable terms deposits "Save OnL @ yn" and "Replenish OnL @ yn" (the same deposits "OnL @ yn" can be issued through ATMs and bank terminals);
- activate the "Mobile Bank" service;
- activate the "Autopayment" service for automatic replenishment phone, loan repayment, etc.
Of course, the Sberbank social card is a convenient tool for receiving a pension for the purpose of its daily use. But it is not profitable to accumulate a pension on the card account. Let us prove this with an example: suppose that a pensioner receives the same amount throughout the year labor pension- 11,000 rubles. Then his interest income (at a rate of 3.5% per annum and quarterly capitalization) for the year will be only 2,918 rubles, and the amount that will accumulate on the card account for the year will be 145,918 rubles. The entire amount accumulated over the year can be withdrawn from a Sberbank ATM at one time and without commission.
As we can see, the interest income is very small, so it makes sense to activate the Auto Payment service and transfer the entire amount or part of it to the deposit account. To do this, we suggest that you familiarize yourself with
Among the deposit products of Sberbank, a special place is occupied by the investment of funds with the capitalization of the deposit. This option implies the accrual of compound interest on the deposit. This solution is not suitable for everyone, but only for those investors who do not plan to withdraw their profits on a monthly basis.
What does capitalization of a deposit in Sberbank mean?
The capitalization of the deposit should be understood as the regular accrual of interest on the total amount of money available on the depositor's account. That is, the bank charges interest on the deposit that the client decides to deposit into his account. Then the interest is transferred to the same account, increasing total amount deposit. The next time the interest is accrued no longer on an initial fee the depositor's funds, but for the total amount that is credited to his account.
The percentage of charges increases with the gradual accumulation of money. Thus, the client can really make money on the capitalization of the deposit. But he must take into account all the nuances, choosing the best investment option for himself.
Features of capitalization in Sberbank
Sberbank of Russia has developed for its clients many options for deposits with different conditions. Even with the minimum free amount of money (1000 rubles), a person can open a deposit and receive passive income... But in order to earn money, you need to understand the nuances of the contract.
The client should understand that the main condition for capitalizing a deposit in Sberbank is a ban on withdrawing funds until the end of the expiration date specified in the agreement. They remain inviolable in any case. Having put a deposit in the bank, a person must forget about these funds for a certain time.
Capitalization types
There are several types of investment capitalization. They differ in the period through which interest is calculated.
- Monthly - this means that the period for calculating interest on the client's funds is 1 calendar month.
- Quarterly - every 3 months, interest is accrued on the amount stored in the bank account.
- Annual - interest on the deposit is calculated only once a year.
- Negotiated - the terms for calculating interest are negotiated individually. It can be half-year capitalization, weekly or even daily.
The more often the accrual occurs, the faster the depositor's profit will grow. The most popular type is monthly capitalization.
Benefit from capitalization of deposits in Sberbank
Capitalization of the deposit is an excellent option for those who plan to keep their free funds intact by putting them in a bank account. At the same time, a person also receives income from his own funds. The main disadvantage is that you can only have the accumulated amount at the end of the term. Until its expiration, you cannot use the accrued interest, because profit will also be calculated on them.
If it is important for a client to constantly receive income from his funds, then a capitalization deposit is not the most profitable option. There are deposits with higher interest rates. At the same time, you do not need to wait 1-3 years before you can use this money.
Profitability
Several factors affect the interest rate and the overall profitability of the deposit:
- the amount of the deposit (after 100,000 rubles in Sberbank it increases, and then after 400,000 and 700,000 rubles);
- the currency in which the deposit is open;
- term of the deposit (a longer period means a higher interest rate);
- the way in which the deposit was opened (if you do it yourself through Internet banking, then profitability will increase).
Calculator of deposits with capitalization from Sberbank
Sberbank has several options for deposits with capitalization. They differ in terms of such items as terms, rates and the possibility of making receipts and expenditures.
Deposit product |
Min. amount (rub.) |
Bid (%) |
Operations |
|
Savings |
Indefinitely |
Can be removed and replenished |
||
"Save" |
1 month - 3 years |
The account is not replenished, withdrawal - within the accrued interest |
||
"Top up" |
3 months - 3 years |
Replenishment without restrictions, withdrawal - within the accrued interest |
||
"Manage" |
3 months - 3 years |
Replenishment without restrictions, withdrawal - within the minimum balance |
Capitalization without contribution
Not everyone wants to make a complex calculation by choosing Better conditions earnings. In addition, not every person likes restrictions on the withdrawal of their funds. Sberbank offers Alternative option- capitalization without contribution. The client can open a debit card "Social" in Sberbank. On it, 3.5% is charged monthly on the minimum balance of the account.
When free funds appear, a desire immediately arises to preserve and increase them. Their owner begins to look for this option, calculate and choose the most profitable. From many points of view, at present, a deposit in Sberbank of Russia is the most profitable investment of funds. Those who have used this option have a fair question: what is the capitalization of Sberbank's deposit?
- the bank transfers monthly interest to the account indicated by the depositor;
- monthly capitalization of the deposit.
When choosing the first specified option, interest is accrued by transferring them to the current account specified by the client. And in the second, interest is charged on existing ones and is added to total income from the contribution. For example, there is a contribution sum of money ten thousand rubles. Interest on it was accrued in the amount of one hundred rubles. They are included in the contribution, and in next month the amount of the deposit in the amount of ten thousand one hundred rubles is already considered, on which interest is charged again.
Benefits of capitalization of deposits
Taking into account the above, it turns out that the capitalization of interest on the deposit account with Sberbank is the most profitable in comparison with the standard accrual. This condition is fulfilled only when, when the main contribution is not touched before its expiration date. That is, the bank must be sure that you do not demand your money back before the expiration of the term specified in the deposit agreement and calmly spend your financial operations... He receives a certain percentage for such events, which he shares with the investors. And the interest rate on these types of deposits is always higher.
Capitalization terms are calculated in months, quarters, years. The most convenient and beneficial is the monthly period. It is he who is used in Sberbank.
Sberbank offers its clients five types of deposits with interest capitalization:
- "Poste restante";
- "Universal";
- "Save Online";
- "Manage Online";
- "Top up Online".
The first of the two indicated without a specific period of validity. They are chosen when they want to open a regular savings book and be able to withdraw cash whenever the need arises. The most profitable are the deposits opened via the Internet, that is, online. In this case, you can independently choose the terms of the deposit.
Profitability of a deposit in Sberbank
The income on the deposit depends on the selected interest rate, which, in turn, is influenced by conditions such as the amount, term, and currency of savings.
What does capitalization of a deposit in Sberbank mean? On the bank's website, using the available calculator, you can calculate future income by entering the amount of the deposit and indicating the period of its validity.
The Bank ensures a high degree of protection of the safety of its customers' deposits by implementing them compulsory insurance... This means that in the event of liquidation or bankruptcy banking organization, she will pay the depositor up to one million four hundred thousand rubles in compensation within two weeks. If the amount of the deposit is more than the indicated one, then it is worth distributing it among several financial institutions.
Capitalization without contribution
Many potential depositors are afraid to entrust their savings to the bank due to the very volatile economy of the country and sometimes the inability to withdraw cash at the time of circulation. Because of this, they choose to trust glass jar, even without receiving any profit from it. Their fears are understandable. The stock of funds that can be disposed of at any time seems to be more reliable.
For such people there is an opportunity to increase their savings, and not to open a deposit. This is possible when registering a certain debit card, on whose account interest is accrued on their balance, formed from fixed assets, replenishment and interest. Thus, the account can be replenished at any time and for any amount, and interest will be charged on the balance. These cards are presented by many banks, including Sberbank. He has a "Social" card, the income of which is approximately three to four percent.
However, before issuing a specified debit card, it is worthwhile to carefully study all the conditions offered. For example, the cards with the highest annual service cost will have the best interest rates.
In addition, such cards provide for the presence of a minimum non-withdrawable balance on the account, a certain amount of money spent during the month, and a mandatory connection to the notification system via SMS messages. All this entails additional expenses on the map. The most rational choice in this case would be to choose a card with an average income. Then the cost of its maintenance will be much less.
Thus, a deposit without interest capitalization is not so unprofitable. In the event of a bank ruin, you can always be sure that the funds will return to their owner. It should also be borne in mind that free cheese is only in a mousetrap and for high interest rates on the deposit, you will have to pay with more expensive service.
Capitalization of the deposit is most beneficial for those who want their accumulated funds not to lie dead, but to bring a stable income that increases monthly. Its size will depend on the size of the deposit itself. How more amount entrusted to the bank, the higher the percentage received by the account holder. Currently, this is the most profitable investment of funds, especially if they are entrusted to a stable Sberbank.
Deposits that are comparable to or higher than the inflation rate bring income, therefore they are very popular among those for whom profitability and safety of investments are a priority.
Income is generated through the accrual and payment of interest. This article discusses the question of what is the capitalization of a deposit in Sberbank and other financial institutions.
How is the interest on the deposit calculated and paid?
The accrual and payment of interest on the deposit can be made both at the end of its validity period, as well as during the validity of the agreement between the depositor and the bank, this is stipulated in the conditions on which the funds are placed.
If interest is paid simultaneously with their accrual, then in this case they speak of simple interest. The concept " simple interest”Means that the income received from the deposit will exactly correspond to the nominal interest rate specified in the agreement.
If the accrued interest is not paid, but is added to the amount of the deposit, then each subsequent accrual of interest will be carried out for an increasing amount of funds. Payment of funds with accrued interest is carried out at the end of the term.
Interest during their capitalization is accrued at regular intervals. Moreover, if the total income is divided by the initial amount of the deposit (provided that the deposit was not replenished and funds were not withdrawn from it), then the result expressed as a percentage (effective interest rate) will be higher than the nominal one. That is, compound interest will bring the depositor more income than simple interest.
Return on deposits with interest capitalization
For clarity, consider a hypothetical example of two deposits placed for a year at 10% per annum, each in the amount of 100 thousand rubles. On both deposits, interest is accrued monthly, but on the first they are paid, and on the second they are capitalized.
On the first deposit, an amount equal to 1/12 of the annual interest rate will be charged monthly, that is, 100,000 * 10% / 12 = 883 rubles 33 kopecks. These funds are paid after accrual, because for the year the income will be 10 thousand rubles, that is, exactly 10% of the amount of money invested.
With capitalization, the picture will look different. The dynamics of the increase in the amount of the deposit with the capitalization of interest is presented in the table. For simplicity, let's say that the amount of interest charged is the same and does not depend on the number of days in a year.
Table 1
the table scrolls to the rightMonth | Deposit amount at the beginning month, rub. | Sum assessed percent | Deposit amount finally month, rub. |
---|---|---|---|
1 | 100000,00 | 883,33 | 100883,33 |
2 | 100883,33 | 891,13 | 101774,46 |
3 | 101774,46 | 899,00 | 102673,46 |
4 | 102673,46 | 906,94 | 103580,40 |
5 | 103580,40 | 914,96 | 104495,36 |
6 | 104495,36 | 923,04 | 105418,40 |
7 | 105418,40 | 931,19 | 106,349,59 |
8 | 106349,59 | 939,42 | 107289,01 |
9 | 107289,01 | 947,72 | 108236,73 |
10 | 108236,73 | 956,09 | 109192,82 |
11 | 109192,82 | 964,53 | 110157,35 |
12 | 110157,35 | 973,05 | 111130,40 |
From the above table it can be seen that the accrued amount of interest is increasing every month, since this accrual is made on a growing amount. As a result, income on a deposit with capitalization for this example amounted to slightly more than 111 130 rubles, which is equivalent to effective rate slightly more than 11%.
This example is indicative in that even at a nominal interest rate of 10%, the difference in income when calculating simple and compound interest very small and amounts to 1 thousand rubles (1% of the deposit amount).
The more often the accrual occurs, the higher the final income. It also noticeably increases with an increase in the term of placing a deposit up to several years.
Taking into account that the maximum interest rates are offered, as a rule, for deposits placed for a period of one year, and the rates themselves as of February 2018 for the most part are in the range of 5-8%, the effect of interest capitalization will be even lower than in the above example.
So, on the "Special Save" deposit from Sberbank when placing funds for two or three years, the maximum nominal interest rate is 5.45% per annum, and the effective interest rate when capitalized is 5.97%.
Some analysts jokingly note that the main advantage of deposits with interest capitalization is saving time for clients who do not need to worry about monthly withdrawals of interest, since they receive them along with the funds at the end of the deposit term.
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