Term deposits of Sberbank of Russia for individuals: conditions, interest

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

Sberbank regularly replenishes the line of investment products. This also applies to term deposits of individuals. Consider the most relevant of their types at the present time. By the way, this financial service is popular with the bank's clients, which indicates its winning marketing strategy: it regularly releases highly profitable financial products intended for different categories of citizens.

The concept and criteria of the contribution

What are the most profitable deposits in Sberbank of Russia? Next, we will consider the types of deposits, interest and define the very concept of a deposit.

First of all, what is a "term deposit"? The name itself implies that this financial instrument has a certain period of storage - several months or years. It is stored in the bank in the amount of the amount of money deposited in the account and is returned to the owner along with accrued interest. There are three main criteria by which contributions of this type are divided:

• there is the possibility of replenishment and partial withdrawal;
• without the possibility of replenishment and withdrawal;
• rechargeable only.

Do not forget that no matter what type of product you choose, you must always conclude a term deposit agreement.

Let's take a closer look at each one. Which one to choose is up to you.

These are three types of term deposits of the Savings Bank of Russia, aimed at the needs of various categories of citizens. The amount of interest accrued on the deposit varies depending on the amount of the deposit, the chosen currency and the term.

Contribution "Save"

Sent to the storage of a sum of money on deposit in order to generate income. Its term is from one month to 3 years (for deposits opened in euro - from one to 3 years). There is a choice: to keep finances in rubles or foreign currency. During the storage period, the deposit cannot be replenished or withdrawn from the account. The smallest amount is one thousand rubles, 100 US dollars or euros. The interest rate varies, based on the term and amount of the deposit, the interest on the term deposit in Sberbank of Russia is regularly credited to the account in accordance with the conditions.

Interest rates:

• from 3.8 to 5% in rubles;
• 0.05 to 1.15% USD;
• 0.01% in EUR.

If you place a deposit for the maximum term, then the income, respectively, will be greater.

Deposit "Replenish"

This product is aimed at those who expect to save money for savings onon a regular basis. Its key distinguishing feature: if it is possible to replenish the account, you cannot partially withdraw any amount. The deposit is opened for a period of 3 months to 3 years in Russian currency (for deposits that are opened in foreign currency - from a year to 3 years). Interest rates are as follows:

• from 3.7 to 4.5% in rubles;
• 0.05 to 0.95% USD;
• from 0.01% in EUR.

The lower threshold of the deposit amount is one thousand rubles. or 100 EUR or USD.

Contribution "Manage"

"Manage" is a term deposit of Sberbank of Russia for those who want to keep money in their account, receive profit from them, but at the same time be able to partially withdraw funds. At the same time, the lower deposit amount (it is also the minimum initial deposit) should not fall below thirty thousand Russian rubles. or 1 thousand US dollars or euros. Thus, the "Manage" product allows both replenishment and partial withdrawal of funds from the deposit. Term: from three months to 3 years (in euro - from one year to 3 years).

Conditions:

• 3 to 4.2% in Russian rubles;
• 0.01 to 0.6% in USD;
• 0.01% in EUR.

For more information, contact any branch. The addresses of Sberbank of Russia in your city can be found on the official website.

The main branch is located in Moscow, on the street. Vavilova 19.

Online deposits are a relatively young product of Sberbank. To open these deposits, just go to your personal account and select the one you need. Forthey are characterized by higher interest rates.

Save Online

"Save Online" is suitable for those who are going to store money for a certain period of time and receive income from it. To open it, you need to go to the bank's website in your personal account from a computer or through a mobile application. The minimum amount is 1 thousand rubles, 100 euros or US dollars. The deposit is opened in rubles or foreign currency for a period from one month to three years. Accrued interest can be withdrawn or transferred to another account.

This term deposit in Sberbank of Russia for pensioners provides special conditions: an increased interest rate. People over the age of 60 are offered the maximum rate. Depositors of pre-retirement age are automatically transferred to higher interest rates even before they receive a pensioner's certificate.

Interest rates for this deposit are as follows:

• from 4.05 to 5.5% in rubles;
• 0.10 to 1.35% USD;
• from 0.01% in EUR.

In case of early repayment of the deposit, you will receive the entire invested amount plus accrued interest. If the deposit was opened for a period of six months, then interest is calculated based on the rate of 0.01. If more, the period for claiming funds will be taken into account. To find out the details, we advise you to use the deposit calculator on the Sberbank website.

Top Up Online

Created for regular replenishment of an account opened for a predetermined period: from 3 months to 3 years. There is no possibility to partially withdraw funds. Lower opening threshold: one thousand rubles, 100 dollars or euros. Just like in the previous deposit, interest can be disposed of without waiting for the expiration of the term - for example, withdraw it or transfer it to another account. Interest rates:

• from 3.95 to 5% in rubles;
• 0.25 to 1.15% in USD;
• from 0.01% in EUR.

The term of the deposit is extended automatically. The conditions for early repayment are the same as for the "Save Online" package. Sberbank sets the maximum deposit amount, and if it is exceeded, then annual interest is calculated from one second deposit rate. It is worth remembering that the rate drops automatically if the deposit amount is more than the maximum.

However, these restrictions do not apply to pensioners. What's more, they are offered higher interest rates and other lucrative special offers.

Drive Online

Allows the depositor to use part of the funds from the deposit without prejudice to accrued interest. The deposit period is from 3 months to 3 years, the minimum amount is 30 thousand rubles or 1000 euros or US dollars. If replenishment occurs online, then the deposit amount is not limited, if in cash, then the maximum deposit is one thousand rubles or 100 dollars (euros).

If you withdraw some of the money, thento maintain conditions on interest, it is necessary to leave a fireproof amount equal to the initial deposit. Conditions are as follows:

• from 3.25 to 4.7% in rubles;
• from 0.15 to 0.8% in USD;
• 0.01% in EUR.

This package provides for the possibility of increasing the interest rate. If the deposit amount is increased to the amount established by Sberbank, a new agreement can be concluded, under which the accrued interest and the "fireproof" balance will increase. As for the prolongation or early termination, their conditions are similar to the two previous products of the "Online" line.

Contribution "Social"

This term deposit of the Savings Bank of Russia is addressed to the needs of children who, for one reason or another, were deprived of parental care. You can open it only at a branch of Sberbank and issue it in the name of the child. To do this, the contributor collects a package of documents, including the act of the guardianship authority on the transfer to a social institution or the adoption of an orphan.

The term of this deposit is 3 years, it can be replenished in any amount and in any convenient way. The minimum initial amount is 1 ruble. Partial withdrawal is possible, the main thing is not to touch the minimum balance. Annual interest is 4.06. Interest is calculated quarterly.

This is written in the term deposit agreement.

"Give life" - investment-help

Deductions from the "Give Life" deposit go to help seriously ill children. Namely - 0.3 percent per annum of the totalamount of funds are credited to the account of the charitable foundation for helping children who suffer from oncohematological and other serious pathologies, "Give Life". The terms of the deposit are as follows: term - one year, without the possibility of replenishing or withdrawing funds; amount - at least 10 thousand rubles, income - 5% per annum. Interest is calculated every 3 months. In case of early repayment, they are recalculated as follows: if an unforeseen withdrawal occurred during the first six months, the rate will be 0.01%, if after, it will be two-thirds of the rate that was set on the day of opening or prolonging the deposit. The prolongation itself takes place automatically on the general terms of this package.

Contribution "Just 7 percent"

This term deposit of Sberbank of Russia is one of the latest investment products of Sberbank. Its conditions are convenient for those who wish to receive income from a certain amount of money in a short period (5 months). The minimum threshold is 100 thousand rubles, and the annual rate is indicated in the very name of the deposit - 7 percent. It is important to know that this rate is valid only when opening a deposit outside of a branch. It is better to use the Internet bank, ATM or a mobile application. When opening a branch, a different rate is offered: 6.5 percent. Replenishment or partial withdrawal is not provided by the conditions. It should be remembered about the possibility of prolongation that in its case the rate will be different.

For more information, contact any branch of a financial institution. Address of Sberbank of Russia in St. Petersburg: st. Krasny Tekstilshchik, 2.