2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Sberbank is one of the most popular financial institutions in the Russian Federation. This bank offers its customers a wide range of services. If you wish, you can get a loan or a credit card, get a mortgage and much more. Also, many are interested in savings deposits of Sberbank for individuals. But before you start using this product, you should choose the most profitable and convenient. You also need to clarify the terms and interest rates.
How to choose the most profitable deposit: reviews
Any bank offer is designed for the target audience. This means that each person can choose the tariff that will be most convenient for him. Customers who have already opened a savings deposit at Sberbank give mixed reviews. Most recommend that you carefully study all the conditions. For example, you can open a non-replenishable account and firmly believe that it is permissible to report amounts to it during the term of the contract. It should also be taken into account that the rate is higher precisely on non-replenished options, but the absencethe possibility of adding some more to the deferred funds repels many from such an offer by the bank.
Also in the reviews they note that it is imperative to clarify the rate and the ability to withdraw funds through an ATM. It is more convenient for someone to open a savings deposit in Sberbank, depositing the entire amount at once and not touching it until the expiration of the contract. Others prefer to be able to use the deposited funds. Therefore, before contacting a financial institution, you should think several times about choosing a more interesting product for yourself.
Sberbank savings deposits for individuals: design features
In order to start using this product, you need to contact an employee of a financial institution and provide him with a Russian passport. After that, a contract is signed. Users recommend to study it carefully. Perhaps in the document the client will see features of the conditions that will seem unfavorable to him.
You can also send an application for opening such an account via the Internet. To do this, just enter your personal account and find the appropriate section. However, this method is suitable for those who are already cooperating with the bank. For example, if a person has a debit card or other financial institution products.
After signing all the papers for a citizen, an account is opened to which funds are deposited. The conditions for using a savings deposit at Sberbank directly depend on the chosen tariff.
Happy Year
Thisthe offer is beneficial in that you can deposit not only rubles, but also foreign currency into the account. But the condition for opening such a deposit is that the minimum amount must be at least 150 thousand rubles or 3 thousand US dollars or euros. If rubles are used, then the period of storage of funds is 9 months at 10%. When using currency, the accumulative interest on a deposit with Sberbank will be equal to 3.1% (for dollars) or 2% (euros). A foreign currency deposit is made for a longer period, namely from 10 to 18 months.
Save
This proposal can be called a classic. In this case, you can also use both a ruble account and an account opened for foreign currency. It should be noted that this savings deposit in Sberbank cannot be replenished. It is also unacceptable to withdraw funds from the account before the end of the period specified in the agreement.
The main advantage is that you can open a deposit with only one thousand rubles, 100 euros or dollars. But such deposits are usually rarely made by anyone, since they bring too little profit. According to users, it will be most profitable to deposit from 100 to 400 thousand rubles for a period of 3 years. In this case, the benefit will be 8.44% per year. There is also capitalization for this offer. This means that the percentage can be increased up to 9.07%.
When holding US dollars or euros, the rate is 2.22% and 1.17% respectively.
Top up
This is a replenishable savings deposit in Sberbank. He enjoysdemand, since in this case it is possible both to save the initial contribution and to report funds periodically. The term for opening such a deposit is from 3 months to 3 years and depends on the wishes of the client. You can make a deposit in the national currency, the amount of which should be more than one thousand rubles. If the client wishes, he has the right to deposit foreign currency. In this case, the minimum deposit amount is 100 dollars or euros. The interest rate will be 2.07% or 1.07%.
Many say that this savings deposit of the Savings Bank of Russia is also convenient because it can be replenished by bank transfer. However, there are no restrictions. This means that you do not have to leave your home to carry out such operations. Everything can be done online.
Also, this tariff implies capitalization, due to which the amount per annum will be 8.07%. The client may refuse this service. In this case, he will receive interest monthly. Other conditions are no different from the "Save" tariff plan.
Drive
This tariff is provided for those who may need funds on deposit. To open an account, you need to deposit at least 30 thousand rubles into it. With capitalization, the maximum possible percentage will be 7.31%. This is less than when using other tariffs. But do not forget that in this case the client can partially use finances.
As in other cases, when opening such a depositYou can deposit dollars or euros. The amount of the currency must be at least 1,000. If a dollar deposit is opened, the rate will be 1.8%, for a euro account - 0.86%.
Pensionary
Considering savings accounts and deposits of Sberbank, you should pay attention to this tariff. It is suitable for pensioners who are ready to make payments from the state to their deposit. The investment can be valid up to 3 years. At the same time, older clients can both withdraw funds and replenish the deposit. If the capitalization service is connected, then for the year from such a deposit you can get 3.67%.
Multicurrency
According to this offer, the client is not obliged to choose in which currency the deposit will be opened. He has the right to simultaneously draw up several deposits at once. It is very comfortable. If we talk about interest rates, then on a ruble account you can get up to 6.88% per annum. When opening a deposit in dollars, a rate of 1.78% is assumed. For depositing euros, the client receives up to 0.91% per year.
Deposits can be opened for 1-2 years. However, they can be replenished without any problems. But you should pay attention that this tariff does not imply withdrawal of funds before the expiration of the contract.
Just 7%
This is another interesting offer from Sberbank. In this case, the deposit is opened for a period of 5 months, subject to depositing at least 100,000 rubles. During this time, funds cannot be withdrawn or deposited. The interest rate will be 7%. This option does not include a contribution.capitalization. If the client decides to terminate the agreement early, then the income rate will be reduced to 0.01%. Therefore, before opening such an account, it is worth weighing your financial situation several times.
You can also open a standard savings account at Sberbank. It also implies the accrual of interest for storage. In this case, the client deposits any amount that can be withdrawn. It is allowed to replenish the account. It is very comfortable. In this case, you do not have to worry that there is an option to terminate the contract early and receive less profit. However, the stakes with such a contribution are not the highest. For example, a client receives from 1.5 to 2.3% per year on a ruble account. If we are talking about US dollars or euros, then the percentage will be from 0.1 to 0.4. The account can be opened indefinitely, so there are no serious restrictions.
In closing
Bank deposits allow you to receive annual income due to the fact that the funds are stored in a financial institution. If a person has savings that he does not plan to spend yet, then a deposit can be a great way to increase this amount. Sberbank is a time-tested organization, which is why millions of citizens trust it with their finances.
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