Prolongation of the deposit is the most valuable thing. The most valuable contribution in the Savings Bank
Now all the bank's clients have a unique opportunity to use the new service. This offer is very profitable and represents the most valuable contribution to the Savings Bank, which can be made by contacting the nearest official branch.
It also happens that additional questions arise. But they can always be asked to a bank representative. If you have access to the Internet, then the management of these types of services is greatly simplified. You don't have to stand in long lines. On the Internet, such procedures are already popular and are performed within a few minutes. If you still trust the nearest bank branch more, contact a specialist with a pre-filled form.
How to use the service?
This offer is a deposit that the client can take to accumulate Money... After all, this is what they call the most valuable deposit in the Savings Bank, so that clients can accumulate the amount of money they need in order to do something important for their family.
This deposit is most demanded for couples who are just starting to start a family. You can put money in the bank so that after a while there will be an opportunity to use interest.
For all depositors who want to use this service, there are several advantages:
Receiving good interest from the amount to your account,
- insurance as a gift when making a deposit,
- receiving additional information on new services of the bank in a timely manner.
Thus, thanks to the most valuable deposit received in the Savings Bank on conditions acceptable to the client, there is a unique opportunity to save your financial resources. Indeed, in this way, all conditions are created for their subsequent increase. However, it is necessary to obtain the relevant information before concluding a contract for the use of this service. It is enough to consult one of the bank's specialists in order to be able to understand the additional offers that you really need.
First, you should go to the official website. There you will find detailed description services and a special form. After filling it out, it will be reviewed by the bank, and you will soon get access to the service.
The main currency in the most valuable deposit offered in the Savings Bank is the ruble. This is very convenient, because you can always count on receiving a profit in the form of a fixed percentage of the amount. At the same time, you do not have to worry about the fact that a currency conversion will be required or, due to an unstable exchange rate, part of the money will be lost during the conversion.
The validity period of such a deposit is indicated in the agreement. It also names the amount required for this deposit to become a deposit, and the service began to operate to accumulate funds.
At the same time, do not forget that no financial transactions, which would allow you to withdraw money in part or to replenish an already opened account. However, on the other hand, you can make a special power of attorney that allows a person, upon presentation of its original, to use the deposit at his own discretion.
This deposit is the most advantageous offer if you want to accumulate funds without making additional investments and other overpayments.
Sberbank is the largest financial institution in our country, therefore, it is not surprising that he is also the leader in the number of depositors. Many clients have been served here for decades and do not want to change their habits.
Features of Sberbank deposits:
- A wide range of deposits has a wide variety of programs with different conditions. There are deposits in rubles, dollars, euros and even pounds sterling and Japanese yen. A multicurrency deposit is also presented. Terms range from 1 to 3 years.
- Particular attention is paid to pensioners. For them there are special conditions with an increased rate on most deposits.
- Contributors have the opportunity to participate in the charity program. This concerns the “Give Life” deposit, where 0.3% of the amount is transferred to the “Give Life” children's fund.
To issue a deposit of interest, you need to apply with a passport or other document proving the depositor's identity to any office of Sberbank. Pensioners additionally need to present a pension certificate.
Conditions for deposit programs can be found in the table:
Name | Deposit term | Sum | Rates,% |
---|---|---|---|
Most valuable | 175 days | RUB 25,000 | 7,25 - 8,00 |
Save | up to 36 months | RUB 1,000 USD 100 100 euro |
4,60 - 6,49 0,01 - 1,06 0,01 - 0,15 |
Top up | up to 36 months | RUB 1,000 USD 100 100 euro |
5,22 - 6,23 0,01 - 0,90 0,01 - 0,05 |
Run | up to 36 months | RUB 30,000 USD 1,000 1000 euros |
4,35 - 5,77 0,01 - 0,60 0,01 |
gift a life | 12 months | RUB 10,000 | 6,30 - 6,45 |
Multicurrency | up to 24 months | RUB 5 USD 5 5 euros |
0,01 0,01 0,01 |
international | up to 36 months | 10,000 lb. erased. CHF 10,000 fran. 1,000,000 Jap. yen |
0,01 0,01 0,01 |
savings account | indefinitely | not limited | 1.50 - 2.30 rubles. USD 0.01 0.01 euro |
To start calculating the profitability of your deposit, you need to fill in the form fields below.
Sberbank deposit calculator
Over 150 years of its existence, Sberbank of Russia has managed to earn the trust of the population and occupies the position of a leader in banking services... To date, here are offered the most profitable terms on deposits of Sberbank for individuals in rubles. Below, Sberbank's deposits in 2019 are discussed in more detail. Rates, calculator, description, information at checkout.
Deposits in Sberbank for today - a table with general characteristics
Contribution name | Max. bid % | Deposit term | Min. sum | Replenishment | Withdrawal |
---|---|---|---|---|---|
Deposit "For owners of the Sberbank First service package" | 6,35% | from 1 month to 3 years | from 5 million rubles | depends on the contribution | depends on the contribution |
Pension Plus deposit | 3,50% | 3 years | 1 rbl | Yes | Yes |
Donate Life | 5,65% | 1 year | from 10000 rub | No | No |
Deposit "Replenish" | 5,15% | from 3 months up to 3 years | from 1000 rubles | Yes | No |
Deposit "Replenish Online" | 5,30% | from 3 months up to 3 years | from 1000 rubles | Yes | No |
"Save" deposit | 5,00% | from 1 month up to 3 years | from 1000 rubles | No | No |
"Save Online" deposit | 5,15% | from 1 month up to 3 years | from 1000 rubles | No | No |
Contribution "Social" | 4,25 % | 3 years | from 1 rub | Yes | Yes |
Deposit "Replenish in the name of the child" | 4,55% | from 3 months to 3 years | from 1000 rubles | Yes | No |
"Manage" deposit | 4,25% | from 3 months up to 3 years | from 30,000 rubles | Yes | Yes |
"Manage Online" deposit | 4,40% | from 3 months up to 3 years | from 30,000 rubles | Yes | Yes |
Nominal account for crediting social payments | 3,67% | indefinitely | from 0 rub | Yes | Yes |
savings account | 0.01% in euros and dollars; from 1.00% to 1.80% in rubles | Indefinitely | not limited | Yes | Yes |
"Time deposits" of Sberbank: names and conditions
Sberbank has developed a loyal and convenient program for its potential depositors. It includes three main conditions: "Save", "Manage", "Replenish", providing additional proposals and solutions for different categories of the population. Within the framework of the program, interest rates on a deposit account are calculated based on the amount of the deposit, currency and validity period. The Term Deposits package is aimed at both a successful businessman and an average pensioner."Save"
The "Save" deposit from Sberbank was created for the purpose of storing funds and receiving at the expense of an interest rate passive income... The framework of this project provides for the opportunity to invest money not only in Russian rubles, but also in another convenient currency. The deposit is calculated for the period fromone month before three years, during which it is not possible to replenish or withdraw money in parts. The minimum amount for a deposit is 1000 rubles or 100 USD. Interest on the deposit is accrued regularly, in accordance with the terms of the deposit. And interest rates depend on the amount and deposit terms. For example, putting money for one to two months:
- from 1,000 to 100,000 rubles - interest rate will amount to 4.05% per annum (capitalization of the deposit is taken into account);
- 700,000 rubles - the interest rate will be 4.20%;
- more than 700,000 rubles - 4.20% per annum.
"Top up"
For those whose plans include saving money from income for the purpose of accumulation, Sberbank offers to use the "Replenish" deposit. Its main advantage is the ability to deposit cash. However, there is no partial withdrawal of funds. The amount of the deposit can be made both in rubles and in another currency, for a period from three months to three years. Interest rates are calculated as follows:- in rubles - 4.10 - 4.55% per annum;
- in USD - 0.05-1.30%;
In turn, Sberbank, as a member of Sistema compulsory insurance bank deposits», Strictly monitors the timeliness of deposit payments. This means that in the event of a crisis, if the bank fails to meet its obligations, this function will be transferred to the deposit insurance agency. The limiting border will not exceed 1 million rubles.
Per last years work in the domestic market, Sberbank managed to increase overall volume lending to 70%, while competitors are "stuck" at 21%.
"Manage"
The "Manage" deposit program is designed to withdraw a small part of funds for personal needs at any time. However, there is one condition - the amount of the deposit should never remain less than 30,000 rubles, respectively, in dollars it is equivalent to 1,000 currency units.The term of the "Manage" deposit is valid from three months to three years. As for the interest rate, then:
- a ruble deposit will bring from 3.40 to 4.25% per annum;
- dollar - from 0.01 to 1.20%.
"Gift a life"
The “Give Life” contribution is a social one, which is based on the opportunity to help children with cancer and people with severe diagnoses. For this purpose, the developers have provided quite high percent deposit rates, reaching 5.05%.Deposits are accepted only for 12 months, but during this period it is impossible to withdraw part of the funds or replenish them. A total amount the contribution must be at least 10,000 rubles. Regularly, every 3 months, Sberbank transfers to charitable foundation"Give life" 0.3% per annum of the deposit amount.
"Savings account"
It is intended for ordinary citizens who wish to use their account in a universal manner every day. But it has a number of advantages over other analogues. They consist in:- indefinite validity;
- the possibility of replenishment and withdrawal of funds;
- no restrictions on the minimum contribution.
- from 0 to 30,000 rubles - the interest rate will be 1.0%;
- from 30,000 to 100,000 rubles - 1.10%;
- from 100,000 to 300,000 - 1.20%;
- from 300,000 to 700,000 - 1.30%;
- from 700,000 to 2,000,000 - 1.5%;
- more than 2,000,000 rubles. - 1.80%.
Terms of registration of perpetual deposits, category "Deposits for settlements"
The article describes term deposits Sberbank in 2019. Rates, calculator, description, information on deposits before calculations are provided below.Deposit "For owners of the Sberbank First service package"
A deposit account can be opened for a period from 1 month to 3 years in any currency, including rubles. This project assumes the possibility of both withdrawing a certain part of the funds and replenishment. However, it should be remembered that this deposit has restrictions on the balance on the deposit. So, at least 10 rubles should remain on the account opened in rubles, at least 5 dollars on the dollar and euro. The balance in other currencies is calculated based on the equivalent of five dollars. But the interest rate for all deposits is 0.01%.You can open a deposit in any currency.
In cases of force majeure circumstances, you can terminate the agreement with the bank and close the account. In such situations, income on a deposit is accrued upon the fact of the storage period of funds in the account and the interest rate set for it.
Deposit "Replenish in the name of the child" of Sberbank of Russia
A contribution from Sberbank implies long-term investments that can be replenished. You can open it for any currency with an accrual of up to 4.55% per annum.The deposit opens on minor child, therefore, there are a number of restrictions dictated by law:
- The parent / legal representative of the child can open the deposit;
- Opening a deposit is possible only in a branch;
- The deposit can be replenished in the Internet bank "Sberbank Online" or mobile application(transfer by bank details);
- Full withdrawal of money before the child reaches the age of majority is possible only with the permission of the guardianship authorities;
- From the age of 14, the child receives partial access: he can independently replenish the deposit and withdraw the accrued interest;
- At the age of 18, the child can fully dispose of the funds on the deposit.
"Nominal account for crediting social benefits"
This project of Sberbank is focused on the needs of parents / guardians / trustees for the enrollment of social benefits paid by the state for the maintenance of minors / disabled / disabled citizens.A “nominal” deposit is made out only in domestic currency, that is, in rubles. It can be any amount at the discretion of the depositor. To withdraw some of the money, you do not need to ask the guardianship authorities for permission.
The effect of this type of contribution can exist for as long as the depositor needs. And you can always use part of its amount. It is also attractive that in this project the bank did not put forward any conditions for minimum balance... At the same time, you can replenish your account only from social payments or direct transfers from similar current accounts that belonged to the same owner.
The interest rate is 3.67%. If you wish to terminate the agreement with Sberbank, interest will be accrued upon the fact of keeping funds, based on the amount of the rate that was agreed upon when opening a deposit. If it is changed in the process of using the deposit, each criterion will be taken into account when calculating.
Registration of deposits without leaving home. "Deposits Online"
Sberbank has launched a new portfolio of services featuring increased interest rates. This program created for those who wish to receive regular income from their own money savings online. To open such a deposit, you do not need to come to a bank branch. It is enough to use the Sberbank website and select a service.According to the research results, it became known that the reputation index of Sberbank of Russia reaches 60%, while among competitors it stopped at 37%.
"Save Online"
Deposits of this type are aimed at people whose intentions are to preserve their savings, provided they receive a stable profit. The convenience of the application is that you can submit an online application for registration.You can open a deposit "Save Online" in rubles or dollars for a period from one month to three years. The minimum amount is 1,000 rubles or 100 USD. In the event that during the entire term of the agreement, the deposit is not replenished or withdrawn, monthly Sberbank will transfer interest on capitalization, which will only increase the state of the account.
Accrued interest can be withdrawn and transferred to another account.
This type of deposit is especially interesting for depositors of pre-retirement age, since there are individual conditions by the term of deposits. Clients over 60 years of age are provided with the most high rates by deposit. Moreover, it does not matter at all how much was invested. Immediately before the pension itself, there is a transition to favorable rates on interest in the bank, and they will be valid until the receipt of the pension document.
A deposit in rubles on such a deposit assumes an income of 4.05 - 5.15% per annum, in dollars 0.2-2 percent.
In the event that the deposit is closed ahead of schedule, the payment of the amount with interest will be guaranteed. If the term of the deposit was 6 months, the accrual will be at the rate of 0.01%. In other cases, the interest rate is calculated taking into account the demand interval for the deposit. You can find out more information on the official website of Sberbank of Russia by making a preliminary calculation using a calculator.
"Top up Online"
The purpose of the deposit: to keep and save money for a long time without the risk of losing it. Part of the deposit cannot be withdrawn within the framework of this program. A minimum amount must be at least 1000 rubles. Accordingly, in dollars, this equivalent is equal to 100 units. Interest is accrued monthly, which automatically increases the amount itself and future income... In this case, the depositor independently decides how to dispose of the interest received before the expiration of the deposit. And it can operate from 3 months to 3 years.Interest rates:
- in rubles - from 4.30 to 4.70% per annum;
- in dollars - from 0.40 to 1.60% per annum;
Sberbank has the right to independently limit the maximum level of the deposit. In the case when, at the time of the renewal of the deposit, the difference between the first amount and the last has increased by more than 10 times, a percentage is imposed on it with the calculation of 1/2 of the rate. This interest is calculated from the first day of exceeding the due amount.
However, such rules do not apply to pensioners. On the contrary, they are provided with improved conditions and even more advantageous offers.
"Run Online"
Sberbank offers the opportunity to use part of the deposit without reflecting the amount of interest. You can open a deposit in rubles of this type for a period from 3 months to 3 years. However, the minimum deposit may be at least 30,000 rubles. The dollar equivalent is 1000 currency units.By non-cash method, you can replenish your account unlimited. But in cash, you can expand the limit only up to 1,000 rubles or 100 USD / euro.
If, with a partial withdrawal, there is a minimum amount of the balance remaining, interest is charged on the entire deposit:
- in rubles - from 3.55 to 4.40%;
- in dollars - 0.30-1.50%.
Registration of a special deposit "Social" in Sberbank
The "social" contribution was launched by Sberbank to help alleviate the needs of children without parents. To issue such a deposit, you must provide a certain package of documents confirming the legality of the action.The deposit is valid for three years. And the minimum amount is one ruble. There is a possibility of unlimited replenishment by any in an accessible way, and interest will be charged at a rate of 4.25% per annum. In addition, you can use part of this contribution during the term of the agreement.
If the deposit is closed ahead of schedule, then the money will be received taking into account the interest for the actual storage time. Prolongation is carried out automatically until the user reaches the age of majority.
All are covered here possible contributions Sberbank in 2019. Rates, calculator, description, information on each of them are available on the official website or at a bank branch.
Deposit profitability calculator
In order to calculate the deposit according to individual parameters, you need to go to the bank and select the deposit you are interested in. 02.11.16 Sberbank of Russia deposits interest rateSberbank offered clients new contribution"The Most Valuable", which is timed to coincide with the 175th anniversary of the bank. The deposit can be made in the period from October 11 to November 30, 2016 inclusive.
Customers who have opened a deposit can join the "Protected Depositor" insurance program free of charge and receive insurance coverage against accidents for 100 thousand rubles. It is valid for 175 days from the date of joining the insurance program. For the first time, Sberbank is giving insurance coverage to customers who have opened a deposit.
Interest rates on the "Most Valuable" deposit:
The maximum interest rate on the product will be 8% per annum. The maximum rate on deposits of the basic and online lines in Sberbank is currently 6.85% per annum.
The "Most Valuable" deposit can be placed in all Sberbank branches serving individuals, in the Internet Bank, the Online mobile application or in Sberbank self-service devices.
Basic conditions for the "Most Valuable" deposit:
- The term of the deposit is 175 days.
- Deposit currency - Russian rubles.
- The minimum deposit amount is 25,000 rubles.
- Interest payment - at the end of the investment period.
- Replenishment - not provided.
- Partial withdrawal - not provided.
More detailed information on the terms of deposit and insurance can be found on the website of Sberbank of Russia.