2024 Author: Howard Calhoun | [email protected]. Last modified: 2024-01-17 18:37
Sberbank of Russia is one of the most stable financial institutions in the country. This is confirmed by statistics: about 50% of depositors chose this particular bank to store and accumulate their funds. The deposit policy here is based on three products: "Save", "Manage" and "Replenish". There is also a pension contribution from Sberbank of Russia, as well as short-term deposit programs for the elderly.
List of deposits
Each banking product is focused on a certain range of customers, which allows you to choose the most favorable and convenient conditions for yourself. We will consider the deposit programs available to individuals in Sberbank in the table.
| Program name | Interest rate in rubles, % | Minimum amount | Deadline | Partial withdrawal | Refilldeposit |
| "Save" | 6.3-9.07 | 1000 | from one month to 3 years | No | No |
| "Top up" | 6.85-8.07 | 1000 | 3 months to 3 years | No | Yes |
| "Drive" | 5.85-7.31 | 30000 | 3 months to 3 years | Yes | Yes |
| "Give life" | 8.35 | 10000 | year | No | No |
| "Multicurrency" | 0.01-6.88 | 5 | 1-2 years | No | Yes, in cash up to 1000 rubles. Cashless unlimited |
| "Savings account" | 1.5-2.3 | Unlimited | Indefinitely | Yes | Yes |
It is easy to see that the interest rate for keeping funds varies greatly even within the same deposit program. The bank announces the exact figure per annum after evaluating the amount of the contribution and the period of use. The table shows the standard offers of Sberbank PJSC. Pension contributions and other programs for the elderly will be discussed later in the article.
Deposits for pensioners
Elderly people can open a deposit in Sberbank on favorable terms. The organization offers pensioners high rates under regular programs for individuals and a specialized product "Pension+". Moreover, accrued annual interest rates are fixed and do not depend on the amount of the contribution.
Opening a pension account with Sberbank is also convenient because the organization cooperates with the Pension Fund of the Russian Federation. By specifying the details, you can receive and withdraw government payments on a monthly basis. In this case, the deposit is replenished. The withdrawal amount is not limited: a pensioner can use both part of the funds and all the money that Sberbank keeps in his account. Contributions (including pension contributions) also make it possible to make utility bills from savings.
The bank offers 5 deposit programs for the elderly:
- "Save";
- "Top up";
- "Keep Online";
- "Top Up Online";
- "Pension+".
Additionally, with the opening of a deposit, you can issue a testamentary permission to use funds in a savings account in the event of the death of the owner.
Deposit "Save" for pensioners
The "Save" program is one of the best systems for getting the maximum income from a deposit that Sberbank offers. The contribution is pension and gives more benefits to the elderly than to individuals of able-bodied age on this depositage. Once the funds are deposited, interest will accrue monthly. They can be used (withdrawn, transferred to a card account) or left to increase the amount of the deposit, which contributes to the growth of the depositor's income.
The interest rate in rubles ranges from 5.65 to 6.91% depending on the term of the deposit, which ranges from 3 months to 3 years. At the same time, the amount of the deposit does not affect the amount of the annual remuneration - the maximum percentage for the selected period is set for pensioners. The minimum contribution is 1000 rubles. to a deposit account with Sberbank PJSC.
Deposits: “Replenish” pension deposit
If the previous banking product is beneficial for those who want to save and increase a certain amount, then the “Replenish” deposit will appeal to pensioners who regularly save money. The deposit can be increased - by crediting cash (from 1000 rubles) or transferring them in an unlimited amount by bank transfer.
The annual rate on the deposit depends only on the period of storage of funds and ranges from 6.18 to 6.59%. The minimum deposit amount is 1000 rubles. A pensioner can open a deposit for a period of 3 months to 3 years. Interest will accrue monthly. They can be withdrawn or transferred to a card account or left to increase the amount of the deposit and, accordingly, the income of the client of Sberbank PJSC. The pension deposit under the "Replenish" program is convenient because it provides the opportunity to add funds tosavings account.
Online deposits
Deposits "Save" and "Replenish" can be opened without leaving home. To do this, you must be a client of the bank and have access to the Sberbank Online service, which is set up in offices after receiving a plastic card. If a pensioner knows how to use the Internet and the mentioned service, then opening a deposit will not only be more convenient, but also profitable. The interest rate here is slightly higher - from 6.05 to 7.28 for the "Save Online" program and from 6.59 to 7 for the "Top Up Online" deposit. As for the other conditions, they remain the same for deposits of the same name, which are made in offices.
How to open a savings account without leaving home? To do this, you need to open the site online.sberbank.ru, enter your username and password. The user's personal account will be loaded. Next, select the "Deposits and accounts" section and click on the "Open deposit" link. By clicking on it, you can familiarize yourself with the conditions for opening a deposit in detail. The user will see a page with a list from PJSC "Sberbank" - "Deposits". The "Save Online" or "Replenish Online" pension deposit is at the top of the list. After choosing a program, you will need to fill out a form, indicating the term of the deposit up to each day, the amount of the contribution and the account from which the money is being transferred.
Pension+
This is a unique deposit program that allows you to use the funds in your bank account and accumulate income in the form of interest on the balance of money. Deposit "Pension Plus" of Sberbank of Russiaused to receive government payments. The contribution can be increased or withdrawn an unlimited number of times. The main thing is that the account balance should not be less than the minimum balance equal to 1 rub.
The deposit is replenished by transferring payments from a public or private pension fund. The account holder can freely use the money. At the same time, interest in the amount of 3.67% per annum is quarterly accrued on the balance of funds. The income received can be withdrawn or capitalized.
Comparative characteristics of pension deposits
For the elderly, Sberbank offers several types of deposits, by opening which you can not only save your funds, but also increase them. To make it easier to understand the difference between deposits, consider their brief description in the table.
| Name | Minimum amount, rub. | Rate, % | Validity period | Replenishment | Withdrawal |
| "Save" | 1000 | 5.65–6.91 | 3 months – 3 years | No | No |
| "Top up" | 6.18–6.59 | Yes (cash from 1000 rubles, cashless unlimited) | No | ||
| "Keep Online" | 6.05–7.28 | No | No | ||
| "Top Up Online" | 6.59–7 | Yes (cash from 1000 rubles, cashless unlimited) | No | ||
| "Pension+" | 1 | 3.67 | 3 years | Yes | Yes |
Each of the deposits for the elderly offers the highest annual rates, regardless of the amount of the contribution. Interest rates on pension deposits at Sberbank vary: the Save Online and Save programs will bring the biggest income. However, withdrawals as well as deposits are not possible for these products.
Benefits of pension contributions
Why is Sberbank's deposit programs very popular among the population of the country? This organization is rightfully considered one of the most reliable. Sberbank has been operating longer than all known Russian banks, which undoubtedly inspires confidence.
What else besides the human factor is beneficial in deposits for the elderly? So, the following benefits have a pension contribution:
- the rate that Sberbank offers to customers over 60 is quite high and does not depend on the amount of the deposit;
- automatic renewal of the deposit account agreement;
- percentagecan be used or capitalized;
- the right to make a will on the deposit funds;
- possibility of early receipt of money with partial loss of remuneration.
Deposits for the elderly are convenient for storing savings, using them partially and receiving a pension. The conditions for maintaining a deposit account are simple and clear, and you can manage the funds stored on it without the participation of bank employees.
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