Interest rates on deposits in Sberbank

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Despite the wide variety of banks in the financial market, Sberbank is more often chosen to store their savings. It is valued for its reliability, because all deposits made by individuals are insured by the state. However, interest rates on deposits are not leading among the higher offers of other banks. This does not prevent him from year to year to remain competitive and stay on the first lines in the financial market. What conditions does Sberbank offer now?

Contribution "Save"

This deposit currently has an annual rate of up to 4.45%. It is possible to open this deposit in Sberbank for a period of one to thirty-six months. The table below shows how interest varies depending on the term and amount of placement.

The amount can be any at your discretion, but not less than 1000 rubles or 100US dollars. It is worth considering that the deposit does not provide for the withdrawal of part of the funds or replenishment. Interest on Sberbank deposits is credited to your account on a monthly basis, and you can choose the way they are credited yourself. Thus, they can remain on deposit or transferred, for example, to your card for further use.

Top up

The interest on this type of financial product is already slightly less - up to 4.1%. The term of the deposit can also be chosen individually, but it cannot be less than three months and not more than three years. The smallest investment amount is 1000 rubles or 100 US dollars. This deposit in Sberbank, unlike "Save", can be replenished. If you make a cash deposit, then the minimum equivalent of replenishment will be one thousand rubles or one hundred dollars. It is more convenient to make such an operation by bank transfer, so you can deposit even one ruble into your account. The number of replenishments is not limited. The deposit is also automatically renewed, and interest is credited to the account monthly with the possibility of capitalization. The table shows the dependence of interest on the amount and term of the deposit.

Drive

The maximum rate on this deposit in Sberbank is currently 3.8% per annum. This deposit is convenient because you can easily manage your finances on your own, while receiving additional income, but with the condition that 30,000 rubles or 1,000 US dollars must always remain on the account. Deposit term - from three months to three years. Cash withdrawal availablefunds and replenishment: cash in bank offices from 1000 rubles and 100 dollars, non-cash contributions are not limited. When withdrawing funds up to the minimum threshold, that is, up to 30,000 rubles, you do not lose the previously accrued interest.

Online deposits

To get the maximum interest rates on deposits in Sberbank, you just need to open your deposit via the Internet. However, this option is only suitable for holders of deposit cards of this bank. The scale of the organization is so huge that almost everyone has a Sberbank plastic card to receive a salary or pension, so you can perform this operation at home in a relaxed atmosphere from a computer or smartphone without imposing unnecessary services on you from office managers. Moreover, you are always aware of what is happening on your account and can easily manage it. In your personal online account, the same deposits are offered for registration: “Save”, “Replenish” and “Manage”, but with a slightly higher interest rate - up to 0.35% than when opening at a bank office.

Deposits for big finances

For a separate category of its clients who have a package of financial services "Premier" and "First", the bank offers a higher interest rate on deposits. For investors who want to receive a guaranteed steady income, the Special Save product is suitable with a rate of up to 4.9% (up to 2% in dollars), in the amount of 700,000 rubles or 50,000 US dollars, for a period of one month to three years, without the possibility adding funds and their partial withdrawal. For clients who prefer to save moneyfunds, there is a “Special Replenish” deposit with a replenishment function and an income of up to 4.45% per annum (up to 1.8% in dollars). The deposit amount is from 700,000 rubles, the storage period is from 3 months to 3 years. The same conditions apply to the “Special Manage” deposit, but with the ability to freely manage your funds and an annual rate of up to 4.15% (up to 1.45% in dollars). Deposits can be opened both in your Sberbank Online personal account and with your personal manager in special offices.

Give life

This kind is a special product. These deposits of individuals in rubles were created by Sberbank to help children with cancer and other serious illnesses. 0.3% per annum of the deposit amount is donated every three months to the Podari Zhizn charity foundation. This organization was founded back in 2006 by actresses Chulpan Khamatova and Dina Korzun. By investing your funds in this way, you will not only make a profit, but also, importantly, help seriously ill children. The interest rate for today is 4.15%. You can open it only in rubles in the amount of 10,000 and for a period of one year. This deposit in Sberbank is not intended for partial withdrawal of funds or replenishment.

Social

This account is issued only for children in care. This deposit in Sberbank in the name of the child can be issued by his legal representative. For this, it is necessary to provide an act from the guardianship and guardianship authority. The interest rate is set at 3.35% per annum, the term of the deposit is 3 years. The number of renewals is unlimited, but up to 18years, it will be extended at 3.35%, and after the child reaches this age - at the rate of the “On Demand” deposit, that is, at 0.01%. Partial withdrawal and replenishment of any amount is provided, the minimum account balance should not fall below one ruble. Such a deposit cannot be opened in foreign currency. Interest is calculated quarterly and can be withdrawn or left for capitalization, which is also provided for this deposit.

Pension contributions

In Sberbank, deposits for pensioners have the following conditions.

These are the same "Save" and "Replenish" deposits, the only difference is that for citizens of retirement age the maximum interest rate is set for the period they choose, regardless of the amount of the account they open. In this case, no additional supporting documents are needed, only a passport is enough. The program automatically offers an increased percentage for deposits of individuals pensioners in Sberbank. Moreover, for this category of citizens, the bank offers to open a special account or a social card to receive pension payments with interest on the balance of stored funds. The annual interest is 3.5%, accrual occurs every three months, while there are no restrictive conditions for the use of funds. It is also convenient that, without contacting a notary, you can issue a power of attorney or draw up a testamentary order right in the office.

Holiday Offer

Every year, on the eve of the Great Victory Day, by May 9, the bank developsdeposit with special conditions.

This year, until the end of May, you can open a deposit “I remember. I help. 0.5% of the amount of interest credited to your account will be transferred to the Memory of Generations charitable foundation to support veterans. The proposed term is 6 or 10 months, the minimum amount for opening a deposit is 100,000 rubles. Withdrawal and replenishment of the account are not provided. When opening a deposit from 100 to 500 thousand Russian rubles, the interest rate will be 5.50% per annum, from 500 thousand to 1 million rubles - 5.75%, with a deposit amount of 1 million rubles - 6%. Interest is charged at the end of the term.

Prolongation

Deposits are automatically prolonged for the selected period at the rate that is valid at that moment in the bank. Many sometimes have a misunderstanding of what this means, so let's look at an example. Let's say, on January 5, 2017, you opened the "Save" deposit for a year at 5% and did not close it after the allotted time. But over the year, the rate, for example, fell to 4%. What will happen to your deposit? Your funds are also at 5% per annum, but on January 5, 2018, the deposit is automatically renewed and already at the current rate of 4%. The number of rollovers for the above deposits is not limited.

Early termination of the contract

There can always be a situation when you suddenly need your money before the end of the contract. In this case, you should not worry, you can always withdraw your originally invested amount. Concerninginterest on deposits, Sberbank has created the following conditions for such cases. For deposits up to 6 months in case of early termination, 0.01% per annum is charged.

For deposits with a storage condition of more than six months: if you withdraw funds during the first 6 months, 0.01% is also charged.

If the amount has been deposited for six months or more, then upon termination, 2/3 of the rate set on the date of opening the deposit you have chosen will be charged.

It should be noted that in case of early closing of a deposit of individuals, Sberbank recalculates interest without taking into account their capitalization.