Types and conditions of deposits in Sberbank

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

Everyone chooses a contribution according to their needs. One needs to accumulate, the other to put and periodically use. Everyone is pursuing different goals. Therefore, banks offer a very wide range of deposits.

Many people trust their funds to Sberbank. It is the most famous among credit institutions. Anyone will like the terms of deposits in Sberbank, so we will talk about it further.

Types of deposits processed at the office

Conditionally they can be divided by purpose. Let's take a closer look at each.

Deposit "Save"

Basically, it is issued to save funds for a while. From this, the validity period of the deposit is selected. The percentage depends on the term, the maximum is 5%. The smallest contribution is from 1 thousand rubles. You should not close it ahead of schedule, as all accrued interest will be lost.

Deposit "Top up"

A very attractive deposit in Sberbank,especially for saving money, say, for a large purchase or for a down payment on a mortgage. Deposit replenishment operations are allowed here, but the ability to make a partial expense is limited. It is possible to open it in rubles and dollars. The difference is only in percentage, the maximum here is 4.55%. The minimum contribution is from 1 thousand rubles. You can apply for any period up to 3 years. Early closure or partial withdrawal also forfeits all interest.

Deposit "Manage"

It is necessary if a person wants to freely dispose of his funds, but at the same time receive more interest. Possible income and expenditure of funds. The smallest contribution is slightly higher - from 30 thousand rubles. or 1 thousand dollars. Validity - from three months to three years. Depending on it, there will be a percentage, but the maximum is 4, 25%.

Deposit "Social"

It receives periodic enrollments for orphans and war veterans. It is not open to everyone. Documents confirming the receipt of these payments are required. The terms of the deposit in Sberbank allow you to make the receipt and expenditure of funds. Percentage - 4, 25%. The term is three years. The smallest contribution is from one ruble.

Deposit "Top up" for a minor child

Great way to save money for a child coming of age. Anyone can deposit funds on this deposit, even grandparents. Partial spending of funds is not possible here. Percentage - 4, 55%. It is possible to open an account in rubles and dollars.

Pension deposits

Terms of deposits in Sberbank for pensioners are more attractive. They have the opportunity to issue both all of the above deposits, as well as a pension deposit created specifically for this category. Deposit "Replenish" and "Save" can be made exactly according to the same parameters, only the percentage is provided much higher.

To receive a pension, employees offer clients to make a “Pension Plus” deposit. On it it is possible to make income and expenditure of funds. The interest is provided at a rate of 3.5%. An account is opened for three years, but when the term ends it is automatically extended for the same term, but on the terms that will be at that time. The minimum initial payment is from one ruble. With early withdrawal, the percentage does not change, so it is considered that this is a very profitable deposit.

Online deposits

Almost all deposits opened at the office can be made online. The only exceptions were the social deposit and the “Replenished” deposit for a child, since additional documents are required when making these deposits. As a rule, registration via the Internet involves increased interest and is more profitable. So, for example, the “Manage” deposit made at the office will bring the depositor 4.25% (maximum percentage), and when making online, the rate will be higher - 4.4%.

Periodic promotions are held that have a limited period, but with favorable deposit conditions in Sberbank. Today it is a deposit “Without a passport”, whichit is possible to issue both in your personal account, mobile application, and through an ATM. Very attractive rate - up to 7%. It can be opened for a period of five months to one year. Income and expenditure of funds is not provided. The smallest contribution is 50 thousand rubles. The promotion will run until the end of January 2019. Therefore, if everything suits you, then it is better to hurry up and make a deposit on attractive terms.

Previously, there were very favorable conditions for the "Record" deposit in Sberbank. The percentage reached 7.15%. Unfortunately, the opening of this type of deposit has already ended, the promotion was until the end of November 2018.

Required package of documents

To make a deposit at a bank, first of all, you need an identity document. For citizens of the country, this document is usually a Russian passport. For foreign citizens there is a certain list of documents provided for each category separately.

You also need a permanent or temporary residence permit - a stamp in your passport or a document confirming this fact.

Relevant documents are required for certain types of deposits. So, for the “Social” deposit, according to the terms of the deposit with Sberbank, a document is required confirming the fact of receiving payments to orphans or war veterans.

Advantages of deposits in Sberbank

Sberbank is one of the largest banks in Russia. Numerous service offices and a huge number of ATMs are a big advantage among other creditinstitutions. Sberbank receives support from the state and is included in the deposit insurance system - this makes it very reliable and inspires confidence in most citizens.