Sberbank deposits for individuals: interest rates. Profitable deposits of Sberbank of Russia Sberbank profitable deposits of individuals interest

Inflation in 2015 was almost 13%. Moreover, this figure does not fully reflect the situation in the country. Thus, the cost of many goods and services has become much higher.

During an economic crisis and stagnation, a person tries to find ways to at least preserve his savings. Some invest their money in real estate, securities, and precious metals. If you don’t have a lot of funds, you should think about the possibility of opening your own deposit. This will help at least somehow save your money from depreciation.

Sberbank is the largest and most reliable bank on the Russian market. He is constantly developing new proposals, including deposits. Each product has its own conditions and features, so let’s look at profitable deposits in Sberbank with interest in 2016.

Contribution "Happy Year"

Among Sberbank's offers, this type of deposit has the highest profitability. The annual interest rate depends on the size of the invested funds. The situation looks like this:

with a deposit of 150 thousand to 1 million rubles, the yield will be 9% per year;
for amounts from 1 to 10 million rubles, an increased rate is provided - 9.5% per annum;
if a client deposits more than 10 million rubles into the account, then the profitability increases to 10% per year.

All interest is transferred to the client's account once. This happens after the deposit expires. It is extremely unprofitable to terminate the contract ahead of time. In this case, the interest rate is reduced to 0.01%. In fact, such an investment will not even bring profit. The term is the same for all investors – 9 months. The deposit amount cannot be increased.

You can open a deposit not only in rubles, but also in dollars and euros. For these two currencies, the deposit conditions are slightly different:

the duration of the deposit is 10 and 18 months, respectively;
minimum amount – 3 thousand of the corresponding currency;
annual yield can vary from 1.8 to 3.1% for a dollar deposit and from 1.3 to 2% for a deposit opened in euros.

Other conditions are the same as for deposits in rubles.

Contribution “Give Life”

Almost anyone can become an investor under this offer, since the minimum amount is only 10 thousand rubles. Regardless of the amount of money on the deposit, a single interest rate of 8.35% is applied.

Clients who have chosen this type of deposit cannot place another part of their funds on it, since this is not provided for by the terms of the agreement. Investors do not have the opportunity to withdraw money before the set time.

Deposit "Save"

The interest rate for this type of deposit depends on the chosen currency.

It is defined as follows:

for rubles, the yield varies from 6.3 to 9.07% per annum;
for dollars – from 0.05 to 2.22% per year;
for the euro – no less than 0.01 and no more than 1.17% per annum.

For those who have made a deposit via the Internet, more favorable interest rates apply. They are:

for ruble deposits from 6.5 to 9.52%;
for deposits in euros from 0.01 to 1.43%;
for dollar deposits from 0.1 to 2.49%.

The exact percentage is determined individually. This takes into account the size of the deposit and its validity period. To get the most advantageous offer, the client can first calculate the interest rate using a special online calculator. There is a benefit for pensioners - the maximum possible interest rate is applied to their deposit.

The client chooses the duration of the deposit himself. The period can vary from 1 to 36 months. The deposit does not provide the opportunity to deposit or withdraw even part of the available money from the account.

“Manage” deposit

This deposit has very flexible conditions for depositors. Duration can range from 3 to 36 months. Such a deposit can be opened by any person who has savings of at least 30 thousand rubles (for foreign currency deposits - at least 1 thousand dollars or euros, respectively).

The most favorable interest rates for a deposit opened at a bank branch are as follows:

for ruble deposits – 7.31%;
for deposits in euros – 0.86%;
for dollar deposits – 1.8%.

An even more attractive offer is to open a deposit through Internet banking. There, the maximum percentage increases by 0.31%, 0.26% and 0.24%, respectively.

This deposit provides for monthly accrual of accumulated interest, which can be withdrawn or added to existing funds if desired.

Deposit “Replenish”

You can open this deposit at a bank branch or through the Internet banking system. In the second case, higher interest rates are provided. For deposits made through a branch, the following annual yield is provided:

8.07% in rubles;
1.07% in euros;
2.01% in dollars.

The deposit is available to people even with a minimum level of savings. To open, you need to have 1 thousand rubles or 100 euros or dollars.

An important advantage of such a deposit is the possibility of unlimited replenishment at any time. But you won’t be able to withdraw money ahead of time.

The duration of the deposit can vary from 3 to 36 months.

Finally

All these proposals will not help offset rapidly rising inflation. Opening a deposit will only give your savings the opportunity to depreciate less.

"Save" program

Each client who has chosen this program can choose capitalization or refuse it. In the first case, the maximum interest rate will be 9.07% per annum, and in the second, 8.05%.

Based on the name of this deposit, funds are deposited for a certain period and nothing can be done with them. Partial withdrawals and deposits are not provided. The deposit period varies. The minimum period is 1 month, and the maximum is 3 years. It is possible to open an account in rubles, dollars and euros. If an account is opened in dollars, the interest rate will be 2.22%, and in euros 1.17%. To open a “Save” deposit you need 1000 rubles or 100 dollars/euro.

Closing a deposit early is extremely unprofitable. In this case, Sberbank pays 0.01% per annum if the funds have been in the account for less than 6 months and 2/3 of the interest provided if the money has been in the account for more than 6 months.

Special conditions are provided to pensioners. Thus, in standard cases, the maximum rate is provided when depositing more than 700 thousand rubles, and for pensioners it is assigned automatically, regardless of the amount deposited.

When depositing from 1,000 to 100,000 rubles for one year, able-bodied citizens are provided with an interest rate of 7.55% without capitalization and 7.82% with capitalization. If you deposit 2 million rubles or more, you can receive 8.05% or 8.35%, respectively.

Automatic renewal is provided.

"Manage" program

This program is ideal for clients who plan to withdraw and deposit funds into their account during the entire term of the contract. However, withdrawals are possible up to the non-reducible balance. The maximum interest rate is 7.31% with capitalization and 7.2% if interest is paid monthly into a separate account.

The “Manage” deposit can be opened for a period from 3 months to 3 years. The minimum amount is 30 thousand rubles, 100 dollars or 100 euros. You can top up from 1000 rubles or a similar amount in foreign currency.

It is most profitable to open an account for a period of 6 to 12 months, since in this case the maximum interest rate is provided. So, if you deposit 2 million rubles for a given period, you can get 7.2% without taking into account capitalization or 7.31% with its use.

It is important to understand that pensioners are always entitled to the maximum interest rate, regardless of the amount. Automatic renewal is provided. The interest rate may change to the one that will be in effect at the bank at the time of extension of the deposit term.

Replenish program

This deposit only allows you to deposit funds into your account, without the possibility of partial withdrawal. To open this deposit, 1 thousand rubles or 100 euros/dollars are required. The deposit period is from 3 months to 3 years. The maximum yield is 8.07% per annum. Pensioners are automatically accrued the maximum percentage. Efficient citizens must invest at least 2 million rubles for up to 12 months to receive the most favorable conditions.

If capitalization is not required, interest is paid monthly into a separate bank account.

"Happy Year" program

This deposit provides the highest return: up to 10% per annum, but for this you need to invest at least 10 million rubles. The minimum amount for opening a deposit is 150 thousand rubles. When opening an account in national currency, the minimum contract period will be 9 months, and when opening in dollars or euros, 10 months. Partial withdrawals or deposits are not provided.

"Gift of Life" program

With this deposit you can get up to 8.35% per annum. At the same time, 0.3% per annum is transferred quarterly to the charity fund. You cannot deposit or withdraw money during the contract period. The minimum amount to open an account is 10 thousand rubles for a period of 12 months.

Deposit "Multicurrency"

Based on the name, you can understand that it involves opening an account in several currencies, namely rubles, dollars and euros. The rate is only 6.88%, 1.78% and 0.91% respectively. To open you need 5 rubles/dollars/euros. The minimum deposit period is 1 year, and the maximum is 2 years. Partial withdrawals are not provided, but replenishment is possible. Capitalization is carried out quarterly.

Deposit "Pension Plus" - deposits for pensioners

This deposit offers only 3.55% per annum to its clients, but it can be opened for a period of 3 years. Minimum amount 1 ruble. Unlimited replenishment and withdrawal up to a non-reducible balance is provided.

This is the entire line of Sberbank deposits in 2016. Despite the low interest rate, it fully meets most customer requirements. At the same time, there is a full guarantee of receiving your funds at the end of the contract term.

Terms of the Sberbank deposit “Catch the Spring”

This is a typical promotional offer.

Funds can be invested for a period of 5 months.
The minimum amount is 50,000 rubles.
Account replenishment and partial withdrawal of money without loss of profitability are not allowed.
If you decide to withdraw the money before the end of the term, you will receive it without accrued interest.

If you forget to withdraw money after the end of the term, the deposit will be extended at an interest rate of 0.01% per annum.

In short, the deposit conditions are quite expected. What then is attractive about it? And this...

Interest rate of the Sberbank deposit “Catch the Spring”

Today Sber does not please investors with profitability. After the end of accepting winter promotional deposits “New Year’s Bonus” and “Profitable Start”, the maximum return on Sberbank deposits decreased to 5.54% per annum. You can get this much if you open a “Save” deposit in an amount of 400,000 rubles for a period of 6 months to 2 years. And this also takes into account the capitalization of interest.

The interest rate of the “Catch the Spring” deposit is 5% per annum in rubles.

This makes this deposit the most profitable among the basic deposits of the SB of the Russian Federation.

An overview of the conditions and rates of Sberbank deposits can be viewed.

When can I open a deposit?

The deposit is seasonal, it coincides with the holidays, and therefore the period for its acceptance is limited.

The “Catch the Spring” deposit from Sberbank is accepted only from February 19 to March 14, 2020.

Where to open the “Catch the Spring” deposit

The “Catch the Spring” deposit can only be made remotely, which means it is suitable only for those who are already clients of Sberbank. You can open it in three ways:

In the Internet bank Sberbank Online;
In the Sberbank Online mobile application;
At a Sberbank ATM.

How to open a deposit for those who are not Sberbank clients?

If you are not yet a client of the SB of the Russian Federation, then go to the bank branch with your passport and apply for some kind of debit card. After this, you will have access to Sber's remote service channels and will be able to open a deposit.

What discounts does Sberbank offer by February 23 and March 8

As part of the celebration, a “Million THANK YOU” campaign is planned for participants of the “Thank you from Sberbank” loyalty program. It runs from February 13 to March 13, 2020.

During this period, discounts will also apply to insurance products:
“Travel insurance” (10% discount from 20.02 to 10.03),
“Home protection” and “Card protection” (23% - from February 20 to 23 and 28% - from March 5 to 8).

When opening an individual investment account with the “Accumulative” trust management strategy and a one-time contribution of 250 thousand, the Security Council of the Russian Federation gives you the opportunity to fill out a tax return. The service is valid from 21.02 to 10.03.2020.

But the main bonuses will be received by those who use the services of the Sberbank ecosystem during this period.

Sberbank ecosystem discounts by February 23 and March 8

Sberbank ecosystem services participate in the project as follows:

discount up to 25% - from the Delivery Club ready-made food delivery service;
21 days of subscription to the “Optimum and START” service packages - from the Okko online cinema;
50% discount on subscription until the end of the English Premier League season - from Okko.Sport;
10% discount on five trips with the Citymobil taxi ordering service;
discounts on gifts up to 50% on the Beru marketplace;
one month of unlimited consultations with a therapist and pediatrician (23 rubles - from February 14 to 23, 8 rubles - from March 1 to 8) - from DocDoc;
discount on the SberMarket product delivery service (7% - from February 14 to March 23, 8% - from February 25 to March 31).

On “Beru” you can buy gifts not only at a discount, but also get them on credit using the “Buy with Sberbank” service.

Sberbank of Russia today offers updated interest rates on deposits for individuals. See under what conditions you can store funds in rubles and dollars in Sberbank in 2020.

Why did Sberbank update interest rates on deposits in 2020

In 2020, interest rates on deposits for individuals at Sberbank decreased again. This time by 0.1-0.25 percentage points. Today rates are 2.7-4.5% depending on the amount and duration of investments. This is primarily due to the reduction of the Central Bank’s key rate.

This is confirmed by Sberbank itself. As TASS reports with reference to the chief analyst of Sberbank Mikhail Matovnikov, the reduction in deposit rates plays out the latest decision of the Bank of Russia to reduce the key rate.

Because the deposit interest rates are sometimes updated several times a year, then some sites on the Internet may contain irrelevant, outdated information.

Our advice: before making a deposit, be sure to check its profitability with the bank itself. Please note the terms and conditions for raising money, which may also be updated from time to time.

Updated interest rates on Sberbank deposits for today

Contribution

This deposit for individuals will provide secure storage of savings with the ability to withdraw part of the funds before the expiration of the deposit without loss of interest.

(+) Plus: it is possible to replenish your account and partially withdraw money without losing interest.

(-) Minus: low interest rate.

Conditions

Duration: from 3 months to 3 years.
Currency: Rubles / Dollars
Amount: from 10,000 rubles / 1000 dollars
Replenishment: provided;
Minimum contribution: in cash - from 1,000 rubles / 100 US dollars, by bank transfer - unlimited.
Partial withdrawal: provided up to the minimum minimum balance without loss of accrued interest.
Capitalization: provided.

Interest rate

Contribution "Special Manage"

A spending deposit with increased rates for owners of the Sberbank Premier or Sberbank First service package. Opens for an amount of 700,000 rubles or 50,000 dollars.

Contribution "Leader Manage"

Few? See what the interest rate on bank deposits is today

Contribution

This deposit for individuals will be of interest to those who prefer to save and regularly set aside funds. But there is also the possibility of monthly interest withdrawal.

(+) Plus: it is possible to top up your account.

(-) Minus: there is no possibility of partial withdrawal of money without losing interest.

Conditions

Duration: from 3 months to 3 years.
Currency: Rubles / Dollars
Amount: from 1,000 rubles / 100 dollars
Replenishment: provided.
Minimum contribution: cash - from 1,000 rubles / 100 dollars, non-cash - unlimited.
Capitalization: provided.

Interest rate

when registering in the office and online

Contribution "Special Refill"

Replenishable deposit with increased rates for owners of the Sberbank Premier/Sberbank First service package. Opens for an amount of 700,000 rubles or 50,000 dollars.

Contribution "Leader Replenish"

This is a premium deposit with increased rates for owners of the Sberbank First service package. Opens for an amount of 5 million rubles, 150,000 dollars or 150,000 euros.

Did not impress? See what interest on deposits it gives

Contribution

You should pay attention to this deposit for individuals if you need to reliably save money and receive a guaranteed stable income. By depositing a large amount in the bank, you can withdraw good interest every month.

(+) Plus: high interest rate.

(-) Minus: there is no possibility of replenishing the account and partially withdrawing money without losing interest.

Conditions

Duration: from 1 month to 3 years;
Currency: Rubles / Dollars;
Amount: from 1,000 rubles / 100 dollars;
Replenishment: not provided;
Partial withdrawal: not provided;
Capitalization: provided. The accrued interest is added to the deposit amount, increasing income in subsequent periods.
Interest accrual: monthly withdrawal or capitalization.

Interest rate

when registering in the office and online

Contribution "Special Save"

Deposit with increased rates for owners of the Sberbank Premier or Sberbank First service package. Opens for an amount of 700,000 rubles or 50,000 dollars.

Contribution "Leader Save"

This is a premium deposit with increased rates for owners of the Sberbank First service package. Opens for an amount of 5 million rubles, 150,000 dollars or 150,000 euros.

Contribution "Pension - plus of Sberbank of Russia"

This is a deposit to receive income for retirement. It is intended for individuals receiving pensions from the Pension Fund of the Russian Federation, non-state pension funds, as well as ministries and departments providing pensions.

Conditions

Duration: 3 years;
Amount: from 1 ruble;
Replenishment: provided;
Partial withdrawal without loss of interest: provided up to the level of the minimum balance;
Interest accrual: every 3 months. The accrued interest is added to the deposit amount, increasing income in subsequent periods.
Capitalization: provided.

Interest rate

3.50% per annum without capitalization (3.67% per annum with capitalization).

Contribution “Give Life”

This deposit for individuals is charitable. Part of the funds is allocated to help children with oncological, hematological and other serious diseases. Every 3 months, Sberbank transfers to the Gift of Life charity fund an amount of 0.3% per annum of the deposit amount.

Conditions

Duration: 1 year
Currency: Rubles
Amount: from 10,000 rubles
Replenishment: not provided
Partial withdrawal: not provided
Capitalization: provided.

Interest rate

4.50% per annum (4.58% per annum with capitalization).

Seasonal deposit of Sberbank “Catch the Spring”

This is a new promotional deposit that can only be issued from February 19 to March 14, 2020. And only remotely: via the Internet or at an ATM. The deposit has an increased rate of 5%, the investment period is 5 months.

(+) Plus: high profitability.

(-) Minus: Without replenishment and partial withdrawal.

Conditions

Duration: 5 months;
Amount: from RUB 50,000;
Replenishment: no
Partial withdrawal: no.
Interest accrual: at the end of the term

Interest rate

5% per annum

How to register Sberbank deposits for individuals

Opening a deposit in Sberbank is easy, the main thing is that you have money that can be deposited in the bank!

In the office. To make a deposit, just contact any bank branch with money and a passport. Sberbank employees will complete all the necessary paperwork, and all you have to do is sign where required.
Online. If you are already a client of Sberbank and use Internet banking, then you can open a deposit without leaving your home. Log in to Internet Banking, select a suitable deposit and click the “Open deposit” button.
At the ATM. Use the nearest ATM and follow the instructions on the monitor.

Conditions for early termination

In any unforeseen situation, if clients need money before the end of their deposits, they can always get it.

Early termination of deposits “Save”, “Replenish”, “Manage” and “Give Life” carried out under the following conditions:

1. For deposits for a period of up to 6 months (inclusive) - at an interest rate of 0.01% per annum;

2. For deposits for a period exceeding 6 months:

during the first 6 months of the main (extended) term - based on an interest rate of 0.01% per annum;
after 6 months of the main (extended) period - based on 2/3 of the interest rate established by Sberbank for this type of deposit on the date of opening (extension) of the deposit.

In case of early termination of deposits, interest is recalculated without taking into account monthly capitalization!

In case of early withdrawal of the deposit "Pension-plus of Sberbank of Russia" the rate established on the date of opening (prolongation) of the deposit does not change.