Interest on a deposit in Sberbank. The most profitable deposits for individuals in Sberbank

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

In the article, we will consider what interest is available on deposits in Sberbank.

In times of economic uncertainty, many people want to save their money. This can be done in various ways: purchase valuables, hide money or invest it in a Sberbank account. This financial institution is the most popular among investors due to its stability. In addition, the bank offers its customers a wide range of deposits with various conditions, which allows them to choose the program that best suits a particular person. By making a deposit in one of the most reliable banks in the country, a person can not only save his savings, but also increase them by receiving interest.

Most profitable deposits

It is difficult to say exactly what interest on a deposit in Sberbank will be the most profitable, since each of the programs is designed for people of certain categories. In addition, the investor must carefully study the conditions:bet sizes, the ability to withdraw funds or replenish the deposit. To date, there are several profitable programs with various conditions, among which each client will be able to choose the most profitable one for himself.

How much interest on deposits in Sberbank you can get, many people are interested.

Types of deposits

Customers, using the corresponding offer, can realize the following goals:

1. Withdraw your savings if necessary.
2. Keep savings in other currencies.
3. Replenish your deposit monthly.
4. Charge interest monthly.
5. Make good profits from the bank's new interest rates.

To make a deposit at Sberbank for individuals of any type, you will need to visit the nearest branch, provide the employee with a passport. After that, the specialist will draw up an agreement on opening the selected deposit. It is always important to read the document carefully, in particular the paragraphs in fine print. After that, an account will be opened in the name of the depositor, where he will be able to deposit the available amount of money.

Deposit "Record"

Let's consider what is the maximum interest on a deposit in Sberbank you can get.

This program assumes the possibility of keeping money only in rubles. To open such a deposit, the depositor will need to deposit at least 50 thousand rubles. You can keep your funds on the account for this deposit from 7 months to one and a half years. The bank offers its depositors up to 7.15% per annum. If atake into account interest rates, then this type of deposit is one of the most attractive, as it is this program that offers maximum interest. Deposits and withdrawals are not provided. Interest is calculated at the end of the deposit term.

Contribution "Save"

This deposit in Sberbank for individuals is a traditional product. You can deposit funds to this deposit in rubles and other currencies for which the exchange rate is reconciled. Replenishment or partial withdrawal of the terms of this program do not imply. You can open a deposit by depositing at least 1000 rubles, 100 dollars. If you invest in a bank from 400 thousand rubles, you can count on an interest rate of 5.15%, and capitalization provides the opportunity to increase the rate to 5.56%.

Deposit "Top up"

It is a kind of savings deposits, that is, a bank client will be able not only to save existing savings, but, if desired, replenish them by making additional funds to the deposit. You can open an account for a period of 3-36 months. In addition, you can deposit at least 1000 rubles to the account if the replenishment is made in cash, and there are no restrictions for non-cash replenishment.

Account capitalization allows you to count on 4.8%. If the depositor is not interested in such a condition, then he can receive monthly accrued interest on the account or card. If the deposit is in foreign currency, then replenishment can be made in amounts from $100. Interest on a foreign currency deposit in Sberbank of this typeare 1.6%.

Contribution "Manage"

If a depositor wants to periodically withdraw funds from the account or deposit additional funds, then the most suitable product will be the offer of Sberbank "Manage". However, it should be borne in mind that the minimum amount for depositing under this program is 30,000 rubles, and the maximum rate will be 4.44%, subject to interest capitalization. If you wish, you can deposit at least a thousand dollars, and the interest on a deposit in Sberbank in foreign currency will be 1.5%.

Savings account

This program provides daily management of invested funds. You can open such a deposit by making an unlimited minimum amount of money. After that, the bank client will be able to replenish the deposit and withdraw from it any amounts available on the account. This type of deposit allows you to store not only rubles, but also euros, dollars. Another advantage of the Savings Account is its unlimited duration. At the same time, the client can expect to receive up to 0.01% when holding dollars or euros, up to 1.8% when holding rubles.

Give life contribution

Contribution to help children with oncological, hematological and other serious diseases.

• Interest rate: 5.05% in rubles.
• Deposit term: 1 year.
• Not refillable.
• No partial withdrawal.
• Minimum deposit amount: 10,000 rubles.

Sberbank transfers an amount of 0.3% to the Give Life charity fund every 3 monthsper annum from the deposit amount.

The undoubted advantage of Sberbank lies in the possibility of opening a deposit online (if a person is already a client of the organization). Otherwise, the need to visit the bank remains.

Due to the increasing economic crises, many people prefer to keep their own savings in foreign currency. It costs more and is constantly rising in price, however, keeping foreign money at home is not a good idea, the best solution would be to open a deposit in a bank, which will not only save money, but also increase it by receiving interest. However, it is important to remember that foreign currency deposits are characterized by certain features and some disadvantages. Therefore, before opening and deciding in which currency - Russian or foreign - to invest money, you should carefully read all the conditions of the programs offered by the bank.

We have considered what interest is available on deposits in Sberbank.