Deposit "Save" (Sberbank): interest and conditions. What is the interest rate of the "Save" pension deposit in Sberbank of Russia?

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

Sberbank of Russia over the past year has opened many deposit programs, each of which is attractive in its own way. Any offer is designed for a certain category of people. A huge amount of attention was paid to the interests of pensioners when developing deposit programs. Today they have access to the most favorable terms of partnership. Among the best products of the bank, it is worth noting the “Save” deposit. Sberbank offers it in several formats.

What's in the Keep It Program?

The "Save" program from the largest bank in Russia is primarily designed for people who plan to save money for a major purchase. The accrual of interest on the deposited amount of funds occurs according to a complex scheme. If the owner of the deposit does not withdraw accruals, they are added to the principal amount of the deposit and in the subsequent period the accrual is carried out on the deposit amount itself plus interest. Capitalization allows you to get the maximum benefit from partnership with the bank. Now it is easy and simple not only to save your funds, but also to significantly increasethem. Sberbank offers the “Save” deposit for those clients who are serious about planning for the future and care about tomorrow.

General deposit conditions

This program is designed for a period of 1 month to three years inclusive. The minimum partnership period is due to the fact that interest is calculated monthly. Sberbank offers to open a “Save” deposit in one of three currencies: dollars, euros and rubles. Depending on the chosen currency and the duration of the partnership, the interest rate will be selected. The conditions of the "Save" deposit in Sberbank do not provide for the possibility of replenishment. Partial withdrawals are not available. The minimum deposit amount depends on the currency. You need to put at least 1000 monetary units on ruble accounts, on dollar and euro - from 100 dollars and 100 euros, respectively. There is no maximum amount for funds that can be placed on the account. The maximum deposit rate is available either to pensioners or to people who have deposited an amount above 2 million rubles or 100 thousand dollars, 100 thousand euros for a period of 3 years.

What interest does the deposit provide?

Deposit "Save" Sberbank made very flexible. The interest rate on the deposit will be formed depending on several factors: the currency of the account, the duration of the partnership, the amount of funds deposited into the account. The minimum rate on ruble accounts is 7.2%. The maximum is 10.29%. Dollar accounts are serviced at rates ranging from 0.75% to 3.98%. Euroaccountavailable with rates ranging from 0.75% to 3.88%. Each client of a financial institution independently chooses the most convenient partnership scheme for him. Accrued interest can be added to the main part of the deposit or withdrawn in cash at the branch. It is allowed to transfer accruals to a bank card.

Save for retirees

Sberbank provides a “Save” deposit for pensioners on special, preferential terms. Each client of retirement age, regardless of the amount of the deposit, receives the maximum rate provided for each individual partnership period. In any situation, the amount of accrued interest will correspond to that due to depositors who have deposited an amount of 2 million rubles or more, from 100 thousand dollars or euros. If the bank's client reaches retirement age during the period of the active deposit agreement, he will be offered preferential terms of partnership for pensioners.

How to open a deposit?

The "Save" pension deposit of Sberbank of Russia can be issued at any branch of a financial institution. It is enough to provide a bank employee with a passport or any other document with a photograph that can verify the identity of the client. For persons who are not residents of the country, but who have an official permission to stay in it or a residence permit, it is enough to provide either an identity card or a migration card. If you plan to open a deposit in the name of a loved onerelative, you will need documents that can confirm the fact of kinship. Additional official papers are optional if the deposit is opened through an ATM, in a terminal or online, through Sberbank-Online. In this situation, it is worth being an official client of a financial institution. When opening an account in a branch, after drawing up the contract, but before signing it, you need to deposit money into the account in any available way.

Opening deposits online: the best offer

Sberbank of Russia "Save" offers to open a deposit not only in the branch, but also at home, through "Sberbank-Online". The advantage of this format of registration of the contract is a higher percentage of the deposit. While maintaining the terms of cooperation, ruble deposits will be serviced at a rate of 7.5 to 11.34%. Dollar accounts can be opened with a rate of 1 to 4.24%. Euro accounts will be serviced at a rate of 1 to 4.14%. All benefits available to pensioners are preserved when depositing remotely. Money can be transferred to the account from a plastic card of a Sberbank institution. The “Save” deposit, the interest on which is attracted to the partnership, remains one of the best products for saving and accumulating funds in the domestic market.

Early termination of the partnership agreement and its renewal

If the bank client decides to terminate the partnership agreement ahead of schedule, when considering the situation, attention will be paid to the period for which it was originally planned to depositfunds. If the planned cooperation was formalized for a period of up to 6 months, then all accrued interest from the moment of signing the documents until the moment of termination of the partnership will be paid, but at the rate of the “On Demand” deposit. If the client has placed funds for a period of 6 months or more, the interest paid upon termination of the partnership will correspond to 2/3 of the current rate. In any situation, terminating the contract with the bank is problematic.

If the client does not withdraw his savings at the end of the partnership, the partnership will automatically continue. The terms for which the client placed his funds for the first time are preserved, but the rate can be changed if new partnership conditions are in effect at the time of the deposit prolongation. If you want to continue cooperation with a financial institution, you do not need to submit an application. Sberbank does not provide for restrictions in terms of the number of deposit extensions. The "Save" deposit for pensioners is extended or terminated on similar terms. If a person, due to certain circumstances, did not have time to withdraw the deposit before the renewal procedure began, he will have to draw up a termination of the contract on general terms.

Advantages of the "Save" deposit and partnership with Sberbank

Considering deposits in the domestic financial market, we can talk about the unambiguous attractiveness of the programs offered by Sberbank of Russia. Deposit "Save", interest onwhich is one of the largest on the market, is a new product adapted to the needs of modern people. A flexible partnership scheme and a small initial deposit can be noted, which makes the offer affordable for most residents of Russia. Preferential conditions for pensioners allow you to increase capital. An individual approach to everyone and the opportunity to save funds not only in rubles, but also in dollars or euros is a kind of opportunity to differentiate risks. The convenience of partnership is provided by the ability to open a deposit at any time on the Internet. We add that it is Sberbank that has the status of the most reliable bank in Russia.