Sberbank offers on deposits of individuals

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

Today, perhaps, one cannot find a person who would doubt the reliability of Sberbank. This financial institution is the most popular not only among those who wish to obtain a loan for the purchase of household appliances or an apartment, but also among customers who wish to receive additional income from their savings account. This way of investing money is now considered very relevant. According to statistics for 2017, Sberbank's deposit offers reached their peak, and this institution took first place in terms of the volume of transactions. In addition, the bank ranks first in terms of assets, as well as according to the largest capital.

You can open a deposit not only in the capital and large cities, but also in the region. Of course, some banks offer depositors more favorable conditions and high interest rates, but this does not mean the reliability of organizations. Since such accounts are opened for a rather long period, the client must be absolutely sure of the solvency of the chosen financial institution. Based on this parameter, Sberbank's deposit offers are currently considered the best.

Design features

Toopen a deposit, many people prefer to personally visit a bank branch. However, it is worth paying attention to the fact that when applying online, customers are offered more favorable conditions. Almost all tariffs provide for an increase in the annual rate if a person prefers making a deposit via the Internet.

Also, Sberbank's deposit offers are more beneficial for those who are already clients of this financial institution. To choose the most interesting deposit conditions, it is worth considering in more detail the features that are relevant in 2017-2018. fares.

Just 7%

This Sberbank deposit offer is a seasonal deposit that can be easily issued if you have access to your personal account or after installing the official mobile application. You can also use an ATM. However, it should be borne in mind that these conditions are valid only until December 31 of the current year. Therefore, this New Year's offer of Sberbank on deposits is limited.

If we talk about the terms of the deposit, only the national currency is accepted. The tariff is valid for 5 months with a minimum contribution of 100 thousand rubles. It does not provide for replenishment of the account or partial withdrawal of funds. Interest on the deposit (7%) is calculated at the end of the 5th month.

Good Year

This is another New Year offer of Sberbank on deposits, which is valid only until the end of this year. According to the terms of the deposit, the interest rate is 8% ifthe depositor deposited the national currency (dollars are not accepted) in the amount of at least 100 thousand rubles.

It is noteworthy that last year the bank offered the same promotion called "Happy Year". However, back then, customers could also deposit foreign currency, and the interest rate was 2% higher.

Today's offer is for 3 months (last year was 9 months) and does not provide for partial withdrawal or replenishment of the deposit.

If you can't make a deposit before the holidays, you should consider other Sberbank offers for deposits of individuals.

Save

This contribution, like others, is primarily aimed at reducing financial losses from annual inflation. If we talk about the conditions, then the term of the deposit in this case is calculated individually for each individual client, but the maximum possible period is 3 years. The minimum amount for opening an account is 1,000 rubles for the national currency. If we are talking about foreign monetary units, then in this case it is necessary to deposit at least 100 US dollars or euros.

When applying at a bank branch, the maximum rate will be 6.75%. However, if a client opens a deposit online, then Sberbank's offer for deposits of individuals will be more profitable. In this case, you can get up to 7.15%. At the same time, payments and capitalization are made monthly. If we talk about partial withdrawal of funds or replenishment of the deposit, then this optionmissing.

All accrued interest can be withdrawn by customers either in cash or transferred to other active accounts.

Top up

This new offer from Sberbank on deposits is slightly different from the tariffs described earlier. The fact is that in this case the deposit can be replenished, due to which the amount of accruals received will also grow. If we talk about the conditions, then the initial payment should be at least 1 thousand rubles. The period of storage of funds is from 3 to 36 months, depending on the wishes of the client. At the same time, the maximum possible percentage per annum is 6.5%.

Another plus of this offer of Sberbank for deposits of individuals is that you can deposit both rubles and euros or US dollars. In this case, payments are made every month. Another advantage for those who plan to open a deposit online. In this case, the interest rate increases slightly (up to 6.9% based on the term of the deposit).

Drive

All the above-described Sberbank deposit offers do not provide for partial withdrawal of funds. This is not always convenient. This is especially true for pensioners or people who have difficulty finding work. When opening this deposit, the client has the right to partially withdraw cash from the deposit without losing the accrued interest. The only condition is that there is an irreducible balance. It is calculated on an individual basis depending on the amount of the deposit.

The minimum amount to be deposited is 30,000 rubles. If we are talking about foreign currency, then the deposit will be at least 100 US dollars or euros. At the same time, the account can be replenished, but not more than 1 thousand rubles. However, if transactions are made by bank transfer, then no restrictions are provided.

Can I open a deposit in foreign currency?

Yes, the tariffs "Manage", "Save" and "Replenish" provide such a function. At the same time, deposits are available to customers not only in rubles, but also in other currencies. However, there are also other Sberbank deposit offers that are created specifically for customers who prefer to use the currencies of other countries.

For example, the "Multicurrency" tariff also provides for the use of three monetary units at once. If we are talking about rubles, then the rate will be from 0.01 to 6.19% per annum, depending on the total amount of the deposit. When depositing US dollars, the maximum beneficial interest will be 1.67%, in euros - 0.4%. If we talk about the conditions of this offer, then the term of placement of funds is up to 2 years, subject to a minimum contribution of 1 thousand rubles or 100 US dollars (or euros). In this case, the client cannot partially withdraw or transfer money until the expiration of the deposit. Payments in this case are made once every 3 months. The received money can be withdrawn in cash or transferred to your accounts or cards.

There is also an "International" contribution. In this case, the client can use pounds sterling, Japanese yen or Swiss francs. In this casethe maximum possible profit will be 2.7%, 0.75% and 1.3% respectively. If we talk about the duration of the deposit, the term is limited to 36 months. It is noteworthy that according to this tariff, clients can receive income not only from interest, but also based on the constantly changing exchange rate. Therefore, today many people are interested in such contributions. Sberbank's new proposals are aimed at attracting customers using foreign currency. Most often these are businessmen who own capital outside the country.

Deposits, new offers of Sberbank to clients: how to open a deposit

The easiest way is to use a computer or phone and go to your personal account on the official website of a financial institution. After that, you need to find the "Deposits and Accounts" section and select the item responsible for opening a new deposit. At the next stage, the client is invited to familiarize himself with the conditions of the selected tariff. After a detailed study of all the points of the offer, just click on "Continue".

The next step is to fill out the application. The form indicates the account from which the funds will be debited, the amount of the contribution and the period during which the funds will be on deposit. After that, just click "Open".

If you cannot open a deposit online, you can always contact the nearest bank branch.

Early Termination and Renewals

In some situations, clients cannot wait for the deposit to expire. If the funds need to be withdrawn from the deposit immediately, then this possibility exists. If the investments were short-term (up to 6 months), then in this case the rate will be 0.01%. In a situation with longer-term investments (more than six months), everything depends on the period when the client decided to terminate cooperation.

If we talk about the extension of the contract, then usually this happens automatically, while maintaining the previously selected conditions. There are no restrictions on the number of such transactions. Thus, the renewal can be carried out for many years.

Savings accounts

This is another passive income option. It will be of interest to those who want to receive the most advantageous offer from Sberbank on deposits for pensioners. This option is good because in this case the client can freely manage his money on a daily basis. In this case, the account is opened for an indefinite period of time, and the interest rate will be up to 2.3% per annum, however, it can be increased depending on the amount of money on the client's account.

Thus, Sberbank offers a lot of options for receiving passive income.