For several years in a row, the presenter Russian bank on the eve of May 9 launches a campaign dedicated to veterans. And 2018 was no exception for this tradition. Special offer to Victory Day - the contribution of Sberbank “I remember. I help "with higher rates... The new product has two characteristics: more high interest rates(maximum 6%) and charity. 0.5% of the accrued interest for the initial period on the deposit is sent to the charitable foundation "Memory of Generations". Donations received during the campaign will be used to provide medical care veterans.
A tribute of immense respect and gratitude to veterans is in every person of our country Important: accepting a deposit has been terminated.
An important feature of this product is the time limit for its opening - until May 31, 2018.
The deposit is in rubles and its term is fixed: you can choose one of two investment options - for 6 or 10 months.
The minimum investment amount is 100 thousand rubles.
Most important promotional product information The rest of the product parameters are as follows:
- replenishment of funds is not allowed;
- partial withdrawal not provided;
- the prolongation is possible, the interest is set based on the current at the time of the renewal;
- there is no capitalization;
- in case of early termination, interest is paid at the rate of 0.1% (according to the “On Demand” tariffs);
- additional contributions and there are no registration costs.
Details of calculating and receiving interest Interest rates
This product has certain advantages over similar offers in the bank. If earlier, in order to receive 5.5% for a period of up to 1 year, it was necessary to invest at least 700 thousand rubles, then in this case a smaller amount is possible - from 100 thousand rubles.
The size of bets does not depend on the duration of the deposit, but depends on the amount of funds invested:
- 5.5% - from 100 to 500 thousand rubles;
- 5.75% - from 500 thousand to 1 million rubles;
- maximum 6% per annum - for amounts over 1 million rubles.
Interest accruals occur at the end of the term. They can be withdrawn or transferred to an account other than a card account.
The relationship between the amount of the deposit and interest rate
The unstable economic situation in the country also affects banking sector... Interest rates on term deposits change following the ruble, and banks have to pay great attention to the problem of attracting customers. In order to maintain the interest of depositors, credit institutions have to update the line of deposits. Today we will tell you about the new contribution "Your Pobeda" from Sberbank, and compare it with the proposals of competitors.
How rates changed at the end of 2014-2015
The end of 2014 was remembered for the growth of inflation and the sharp one, which was accompanied by an increase in the exchange rate of the dollar and the euro. According to calculations Of the Central Bank the volume of foreign currency deposits increased by 1.89 trillion rubles over the year.
The ruble exchange rate largely depends on the economic situation in the country, therefore, as soon as serious problems arise, the volume of foreign currency deposits grows, and the ruble deposits decrease. This is due to the fact that the stability of the dollar and the euro is much higher, therefore, during a crisis, depositors are guided not by obtaining a high income, but by preserving their savings.
In the first half of 2015, the situation with the ruble more or less stabilized, the panic passed and the Russians began to return money to banks, despite the fact that rates had decreased. The popularity of deposits in rubles has increased again, because their profitability is much higher than that of foreign currency deposits. In addition, experts recommend placing funds in the currency in which you receive income. In any case, it is more profitable than first converting it, and then making a deposit at a low interest rate.
After the spring strengthening of the ruble, Central bank lowered the key rate, which immediately led to a change in the conditions for deposits in commercial banks. If in winter it was possible to arrange a deposit at 18%, then for this moment average rates dropped to 10.67% per annum.
After the rate cut, it became more difficult for credit institutions to attract clients, so they have to use a non-standard approach and develop deposit programs with a "twist". For example, Sberbank has timed the “Your Victory” deposit with high rates and a charitable function for the 70th celebration of May 9th. It was possible to open an account only until mid-May, but this is a good example of a charitable program, which is interesting to compare with the proposals of other banks.
Deposit terms
It was possible to draw up an agreement for six months, and the minimum amount for the placement of funds was 10,000 rubles. Interest on this program is charged at the end of the term, and the rate reaches 12% -13% per annum (depending on the amount of the deposit). It is not allowed to withdraw money or replenish the deposit before the end of the contract.
Overview of charitable programs
At the moment, only a few credit institutions implement charitable programs and strive to help those in need. In addition to Sberbank, constant cooperation with various foundations practices Alfa-Bank. By placing a deposit "Life Line", you can help seriously ill children. Every month 0.05% of the deposit amount will be transferred from the interest amount to the fund.
Interest on the deposit is calculated monthly and transferred to the account from which it can be withdrawn. It is not allowed to replenish the deposit or withdraw money from it before the expiration of the contract. You can place funds for a year in the amount of 50,000 rubles. The interest rate is 9.80% per annum.
Uralsib Bank offers its clients to help children left without parental care. For this, the contribution “ Decent home for children ”, developed jointly with the“ Victoria ”charity foundation. Within the framework of the project, the construction of the children's village "Victoria" is being completed and social apartments for graduates of children's institutions.
From each deposit, Uralsib sends 0.5% of the amount, taking into account additional contributions to finance the charitable program (for example, Alfa-Bank transfers 0.05% of the deposit amount). The initial amount is only 5,000 rubles, and the term is 91,181 and 367 days. Replenishment of the deposit is allowed, and interest is calculated once every three months and paid to the depositor. The rate depends on the term and reaches 13% per annum for 181 days, in other cases the percentage is reduced to 11.5% per annum.
The Great Victory means a lot to each of us, therefore, not only people, but also the largest organizations of the country try to one way or another annually join in its celebration. Sberbank of Russia, in honor of the 70th anniversary of this significant event, invited current and potential clients to open special contribution called "Your Victory".
In order to use this unique banking product, it is enough to have at least 10 thousand rubles that had to be deposited during April-May 2020. Your Pobeda contribution from Sberbank has one interesting feature: how more amount deposited funds, the greater the percentage is charged on them.
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However, speaking about this banking product, perhaps, it is worth focusing primarily not on one's own benefit, but on the support of veterans provided with its help.
Prerequisites for the appearance
Due to the difficult situation in our country in last years, the entire economy suffers, including the banking sector.
In such conditions, clients try to find the most profitable offer, which will allow them at least not to be in the red in the next round of inflation. In addition, many began to worry about whether their deposit was insured and whether they would be able to get their money back if another bank suddenly went bankrupt.
Against this background, in order to attract customers, it is important for banks to demonstrate stability, as well as regularly launch new products on the market that provide them with a competitive advantage. One of such products can be confidently called your Pobeda contribution from Sberbank.
The end of 2020 was marked by a significant increase in inflation and a fall in the exchange rate of the domestic currency. According to the Central Bank, during the year there was an increase in the volume of foreign currency deposits by almost 1.9 trillion rubles.
The ruble exchange rate is highly dependent on the stability of the country's economy, and each time serious problems arise, there is an increase in deposit volumes in foreign currency and a fall in rubles.
This phenomenon is explained by the greater stability of the dollar and the euro, which enable depositors, even if not to earn, but at least guaranteed to keep their savings.
The onset of some stabilization of the situation with the ruble in the first half of 2020 calmed down the panic, and our fellow citizens again took money to banking institutions, although the latter began to offer less attractive rates.
Due to the significantly higher profitability of ruble deposits compared to foreign currency deposits, deposits in the national currency began to gain popularity again.
After the ruble managed to strengthen in the spring, the Central Bank lowered the key rate, which was followed by a chain of changes in the conditions proposed commercial banks on deposits.
Naturally, the rate cut had a negative impact on the attractiveness of the products of credit organizations, which had to look for non-standard approaches and make some exclusive offers in order to fight for clients.
One of them was the deposit program of Sberbank, timed to coincide with the 70th anniversary of the end of the Great Patriotic War. She has enough high stakes combined with the opportunity to feel like a patron, which was to the taste of a large number of clients.
Registration of the deposit program "Your Pobeda" in the branch of Sberbank
Service details
Conditions
| Deposit currency | Rubles |
| Minimum deposit to be made | 10 thousand |
| Duration | 6 months |
| Time to receive interest | At the end of the prescribed period |
| The possibility of increasing the amount during the course of the term | Missing |
| Partial withdrawal possible | Present, but with certain restrictions |
| Capitalization | Not provided |
| Opportunity early termination deposit agreement | Present, but in this case, the payment is made at the demand rate - 0,1% annual |
| Extension of the term of the deposit | Not provided |
| Rate growth over time | Missing |
| The ability to open a deposit remotely | Present, using proprietary Internet banking |
Interest rates
Principle of calculation and timing of payments
The banking product foresees special conditions which have a limited validity period of six months. Although after the end of this period there is no need to withdraw the deposit from the bank, since it will be automatically extended, but on completely different, unprofitable conditions, - 0.1 percent annual.
One of the features of the deposit is that the interest depends on the amount deposited on the deposit: the larger it is, the higher the interest will be and, accordingly, the depositor's profit. It should only be borne in mind that the size of the interest rate is indicated in annual terms, while its terms are calculated for six months.
Accordingly, introducing from 10 thousand to half a million rubles, after six months you can additionally receive 6 percent from the amount, from half a million to a million - 6.25 percent, over a million - 6.5 percent.
One ruble from each thousand invested under this program will be used to provide comprehensive assistance to those who have personally experienced all the horrors of war.
Amount control example
Consider at specific examples, what profit can be obtained for this deposit program depending on the amount deposited:
The main advantages of the Vash Pobeda deposit from Sberbank
The main advantages of this deposit are:
- shortened reporting period- interest is charged not once a year, as in traditional deposits, but once every six months;
- the possibility of withdrawing the accrued interest at the end of the six-month period, while leaving a minimum amount on the account (at least 10 thousand rubles);
- early withdrawal of the deposit at any time without penalties;
- high interest rate in comparison with other similar offers of banks available on the market;
- the ability to deposit funds remotely, without visiting a bank branch, through Internet banking;
- the possibility of opening a deposit by citizens of other states with the provision of a minimum package of documents;
- stability and security of funds, confirmed by long decades of impeccable work of Sberbank.
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Sberbank launched a special deposit "Your Victory" with increased interest rates, timed to coincide with the 70th anniversary of Victory in the Great Patriotic War.
The "Your Victory" deposit can be opened for a period of 6 months, the minimum investment amount is 10 thousand rubles. Interest on the deposit is calculated at the end of the term, and the maximum rate is 13% per annum. In addition, according to the terms of the product, the client is given the opportunity to participate in charity program conducted by the All-Russian public organization of veterans "Russian Union of Veterans", and to provide assistance to veterans.
“Supporting socially unprotected segments of the population is an important part of Sberbank's activities. The Bank is aware of its responsibility for the implementation of socially significant projects and treats veterans with special care. The launch of the "Your Victory" deposit will help provide targeted assistance to war veterans and invalids, "commented Natalya Alymova, director of the department for retail non-transactional products of Sberbank.
For the past few years, Sberbank has been providing its clients with new Banking services, which are dedicated to May 9. These events are held with the aim of attracting bank clients to help veterans, based on charity.
Each depositor of the bank can receive not only lucrative offers, but also make a donation to the special fund "Memory of Generations". The task of this fund is to support veterans before the holiday, which has been held for several years in a row.
The deposit "Memory of Generations" can be arranged by any client of the bank by contacting the branch financial institution or when using internet banking services. This offer is valid for 3 months. In 2018, the deposit can be opened from April 13 to May 31 inclusive.
The main advantage of this deposit is the high interest rate of 6.4% -7%. Interest is calculated immediately after the end of the contract. The promotion is valid only for deposits in national currency(rubles) and does not imply replenishment or partial withdrawal of funds.
The contribution is of a charitable nature, so each contributor with 1 thousand rubles can donate 1 ruble for the needs of veterans Russian Federation... All transfers are made after the deposit is closed and all interest is credited to its account.
The deposit has a social orientation. By opening this deposit, you can accumulate a considerable amount of funds in a short period of time, as well as provide material assistance veterans of the Russian Federation.
Terms of a new contribution for Victory Day 2018
The deposit can be opened for 3 months. The deposit must be in rubles. The minimum deposit amount must be at least 10 thousand rubles. Replenishment and withdrawal of funds from the deposit account is not provided.
The size of the interest rate directly depends on how much was deposited. For example, for an amount from 10 thousand to 1 million rubles, the rate is 6.4%, and for amounts over 1 million rubles - 7%. Money can be withdrawn or transferred to a client account.
If the depositor does not close the deposit on time, it will be automatically transferred to the “On demand” deposit.
Investors of a new deposit for Victory Day can issue a power of attorney for investments or draw up a will for the amount of the deposit.
Subject to the closure of the deposit before the end of the term of the agreement, transfers to the charitable foundation are not made.
