What is capitalization of a deposit in Sberbank - features, conditions and terms. Sberbank social card - Sberbank-Maestro “Social Capitalization of income from Sberbank pension deposits

When making deposits, bank clients choose the maximum profitable terms. These include, for example, capitalization of a deposit. At Sberbank this means charging interest on the interest on the deposit. That is, amounts periodically accrued (according to the terms of the agreement) are added to initial funds or account balance. In the following periods, interest is accrued already on total amount. This makes it possible to store your funds with the possibility of their constant increase.

Sberbank's deposit program offers clients different types deposits. But a savings book can only have one owner. It is impossible to open a deposit for two or more persons. However, it is possible to issue a power of attorney on Sberbank letterhead indicating those who can withdraw money, replenish a deposit, receive a statement and perform other operations.

You can open an unlimited number of deposits in your name, as well as in the name of another person, including a child. Until he reaches 14 years of age, his parents (legal representatives) manage the investments. After receiving a passport, the child can manage funds in the account only with their written consent.

You can open any savings account in person by visiting a bank branch, or through the Sberbank Online application, as well as at ATMs and terminals. The minimum required amount is 1000 rubles, the maximum threshold for opening a deposit has not been established. Deposits can be opened in Russian rubles or foreign currency.

Minimum amount

For foreign exchange investments minimum amount is 100 dollars. Sberbank clients are invited to open a deposit in other currencies, including euros; the deposit period is set at 5 years.

If you want to open an account in a currency other than rubles, US dollars or euros, it is recommended to first check with the bank branches where you can receive such a service.

Terms and actions with deposits

Investors are given the opportunity to invest funds for at least 1 month on terms of further prolongation; the number of prolongations is also not limited. The deposit is re-registered automatically, without the client visiting a bank branch. When extending the account term, the terms of the agreement regarding accrued interest remain valid until the account is closed.

Since 2009, ruble and foreign currency investments in banks located in the Russian Federation have been exempt from taxes if certain conditions are met:

If the interest rate on a ruble deposit does not exceed the refinancing rate + 10 percentage points;
For a foreign currency account, the rate should not exceed 9%.

In accordance with current legislation, each depositor's deposit with Sberbank is insured for a maximum amount of up to 1,400,000 rubles.

For all investments, you can draw up a testamentary permission and express your will in relation to the accounts opened in the bank and the amounts of money contained in them.

Offers for pensioners

For pensioners, programs are offered with an increased income rate, preferential conditions and the possibility of opening card account. On pension card the pension will be transferred and accrued up to 3.5% per annum on the remaining amount. There is no fee for servicing the card, information via SMS is provided free of charge for the first 2 months, and then at a preferential, reduced cost - 30 rubles per month.

To receive pensions, social and other payments, you can open and replenish savings deposit for a period of 3 years with an interest rate of 3.5%. Interest is calculated quarterly with capitalization. Granted the right to partial withdrawal from a book.

Depositors of pre-retirement age, subject to prolongation of their deposit, are automatically transferred to other conditions with the highest possible interest rates.

Pros and cons of investing in a bank

A bank deposit offers the opportunity to preserve your funds while increasing the total amount. The capitalization of interest on a deposit account with Sberbank is 4.5 – 5.0%. The proposed rate increases depending on the amount of the contribution and the period for which the contract is concluded. Moreover, when the next threshold amount is reached, dividends will be recalculated automatically, and income will be calculated at a higher rate.

It is possible to track accruals both by receiving a statement at a bank branch and through online application. Interest can be withdrawn from a cashier-operator or transferred to your card through the Sberbank Online application. On the official website of Sberbank you can make preliminary calculations using a financial calculator.

If necessary, the bank will return the funds to you ahead of schedule at your request, but at the same time the income portion to be issued will be recalculated downward and without taking into account the monthly increase in capitalization. This condition reduces the attractiveness of investments for long periods. Be prepared for the fact that early termination contract and account closure, you will receive less than you originally expected.

Conclusion

Upon reading the terms and conditions bank deposit in Sberbank, pay attention not only to interest rate, the term of the deposit, but also the possibility of replenishing the account, withdrawing interest, as well as capitalization of interest on the deposit account.

The article will discuss the process of deposit capitalization, advantages and disadvantages using the example of the work of the most popular bank in Russia, Sberbank, and will also describe in detail what it is and how to correctly open an account with interest capitalization.

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What is capitalization in Sberbank?

Capitalization is the calculation of interest on the available amount on deposit with the subsequent addition of accrued Money to the total contribution.

In other words, capitalization means the increase in one’s equity. The capital is kept in the bank on deposit at interest. They are accrued every month or other period specified in the contract.

The amount of the accrual depends on the deposit amount. Next, the amount accrued from above is added to the deposit - interest is also calculated on the funds received.

Note! It is important to distinguish the capitalization procedure from a simple investment of money. For example, a person deposited 100 thousand rubles into an account for six months at 10% per annum. In six months, he can already withdraw 105 thousand rubles. During capitalization (for example, monthly), interest is accrued with the same indicators in the following way: for the first month 833 rubles will be credited. Further, for the second month, the deposit amount will no longer be 100 thousand rubles, but 100,833 rubles.

On this moment Sberbank offers 2 options for calculating interest on the treasure. The first option is to transfer the accrued interest to the specified account. The second option is to capitalize the accrued interest every month.

Features of capitalization in Sberbank

Among the features of capitalization in Sberbank are the provision of a huge number of programs, as well as the opportunity to start earning passive income even if you have 1 thousand rubles.

The bank offers several options for capitalization periods, as well as certain conditions for citizens. Yes, you can find profitable deposits with the ability to save or manage funds.

Like any other procedure, capitalization has advantages and disadvantages.

Among positive points processes from Sberbank are distinguished:

accessibility and ease of making payments– you can find an online calculator and independently calculate the capitalization of funds under given conditions;
a complete reflection of the situation is provided– the total of completed transactions, deposits and transfers;
possibility of “cash-out” of accrued interest– if the client chooses a service with the ability to independently manage the account, he can transfer the accrued funds to the account to pay any payment;
a wide choice of programs.

Despite the advantages, there are also disadvantages, including:

inability to use accrued funds– it all depends on the choice of program;
small percentage of profit– for the presented procedure, Sberbank cannot offer more;
presence of risks of bank closure– if suddenly the bank’s license is taken away, the surcharges will not be taken into account when returning funds (with Sberbank, the risks of having the license taken away are currently reduced to zero).

Note! As a result, it turns out that you can make money on capitalization only by using a large amount of money for a deposit. In addition, you will have to forget about having money on deposit, since if you regularly withdraw interest, you will not be able to earn money.

Conditions

To start earning passive income, you just need to deposit money. It’s better to forget about them for a certain period of time - this is one of Sberbank’s conditions, which is determined by the duration of the selected capitalization program (for a month, for 3 months, for a year).

There are no other conditions - anyone who decides to save the accumulated funds can become a client of the bank and use the program.

But when concluding a contract, you should pay attention to the little things:

study the terms of capitalization and their crediting to the main account– the bank can accrue interest every month, but only once, for example, every 3 or 6 months, credit the premium to the main account;
the contract may also indicate the possibility of change percent of capitalization in unilaterally– in this case, the storekeeper is simply notified by sending a message to his mobile phone;
Various hidden fees may be charged from interest or deposit– payment mobile banking and other services that follow from the signed contract.

Pay attention to all the conditions of the chosen program, carefully read each clause of the contract proposed for signing. This will help avoid the risk of reducing accrued interest.

Types of capitalization

All capitalization programs in banks are divided into the following types:

monthly – means that interest on the available amount on the deposit is accrued every month;
quarterly – accrual is carried out every 3 months;
annual - the program is more similar to a regular deposit, since bonuses are credited only at the end of the year;
negotiated or fixed-term – the terms for calculating interest on the deposit under the terms of the capitalization program are set individually.

Contractual or term capitalization can provide the opportunity to accrue interest every day, week, six months and other options.

What types of capitalization does Sberbank offer?

As mentioned above, Sberbank currently offers two options for crediting interest funds. Each of them should be disassembled.

The first option represents a monthly transfer of interest on the deposit to the selected account. For example, a client has a mortgage or credit debt with Sberbank.

If he does not want to pay them early, he can put the money in a deposit for capitalization and indicate his desire to transfer interest to the debt to the bank.

This is beneficial if you have a large amount and a small loan debt - often the interest can cover the amount monthly payment. You can also open a separate account where interest will be credited.

At a certain time, they can switch back to the deposit and be added to the principal amount. But the investor can also withdraw interest from a separate account for his own needs.

The second option is monthly interest capitalization. IN in this case the accrued interest will be automatically added to the principal amount, which will also be used for future calculations.

The above example of capitalization reflects the presented option in full.

Deposit options for capitalization

Sberbank currently has 5 capitalization programs with distinctive conditions and opportunities.

To accurately display the features, a table should be provided:

Programs	Residual minimum	Capitalization period	Interest on deposit, %	Replenishment	Partial withdrawal
Poste restante		Unlimited	0.01 per year, with quarterly capitalization	Allowed at any time	Allowed up to minimum deposit amount
Universal	10 rubles, 5 US dollars or 5 Euros	Up to 5 years	0.01 per year with quarterly interest accrual and unlimited number of extensions	Allowed at any time	Not allowed
Save Online		From 1 year to 3 years	From 4.05 to 5.63 in Russian rubles, from 0.10 to 1.35 in US dollars, from 0.01 in euros with monthly accrual	Not allowed	Not allowed
Manage Online	30,000 rubles, 1,000 US dollars, 1,000 euros	From 3 months to 3 years	From 3.25 to 4.82 in Russian rubles, from 0.15 to 0.80 in US dollars, 0.01 in euros with monthly interest accrual	Accepted from 1000 in rubles, from 100 US dollars, from 100 euros	Allowed with the possibility of transferring to another account
Top up Online	1000 rubles, 100 US dollars, 100 euros	From 1 year to 3 years	From 3.25 to 4.82 in Russian rubles, from 0.15 to 0.80 in US dollars, 0.01 in euros with interest accrued every month	Allowed without restrictions	Not allowed

Sberbank also has other cash capitalization programs. When choosing them, it is only important to pay attention to the conditions and possibilities.

Note! Sberbank offers capitalization without a deposit. To do this, just open a deposit card, to which funds will be credited in the future. The program is a standard and familiar “home piggy bank”, only in this case it accrues additional interest. Income depends on the money deposited on the card.

Methods for making a deposit

There are two ways to create your own deposit for interest capitalization - contact Sberbank in person or send an application via the Internet.

To implement the first method of opening a deposit, perform the following steps:

Study the bank's offers on the official website. Choose an interesting and profitable one for yourself.
Contact the bank. At the office you must wait in line to open a deposit. Next, contact an employee with a request to open the deposit you have chosen. Full consultation can be obtained right here on the spot.
Fill out the application suggested by the bank employee. The application indicates the deposit amount and personal information.
The employee accepts funds from the depositor by drawing up an agreement. The parties sign documents after carefully studying and discussing the terms.

To apply for opening a deposit for interest capitalization, you must provide the following documents:

passport of a citizen of the Russian Federation;
a certificate from the Federal Migration Service confirming registration in the absence of permanent registration;
SNILS;
application, which is provided on the spot.

To open a deposit without leaving your home, you need to log into your SberbankOnline Personal Account.

Open the “Deposits and Accounts” tab.
Choose an interesting and convenient type of deposit.
Click “Continue” and fill out the form that opens - this is an electronic version of the application, in which, as in the first method, personal data is indicated.
Check the entered data again and click the “Open” button.
Agree to the terms again by checking the appropriate box.
The following data will be presented open account, which can be checked as needed.

To open a deposit online, you will need the same documents as when applying in person. Only in this case you will have to enter personal information yourself.

Profitability of deposit in Sberbank

Profitability of deposit in Sberbank with to a greater extent depends on the deposit amount and capitalization period. For example, the Save Online program has the following system for determining interest.

The Sberbank website contains a description of the conditions of each program with a calculator for personal calculations.

The calculator is used in the following sequence:

Select the deposit currency.
Select estimated capitalization dates.
Specify the warehouse period in days and the amount.
Select the conditions “capitalization”, “possibility of early closure”.
Indicate whether the investor is a pensioner.

Capitalization without contribution

As mentioned above, Sberbank offers an interesting capitalization program without a deposit.

It consists of the following factors:

Bank client opens debit card according to the selected program. It is empty, but is ready to accept funds from the depositor.
Every time the holder has the opportunity to save money, he simply puts it on the card.
Next, you need to wait a certain time for interest to accrue on the remaining amount on the card.
Interest may be withdrawn or retained for further capitalization.

A debit card is not a deposit, therefore, when a crisis develops in the country or simply if necessary, the holder always has the opportunity to withdraw money.

He does not have to contact the bank with an application; all calculations are carried out automatically. The account status is monitored in the Sberbank Personal Account.

Note! Debit cards have a mandatory minimum account balance requirement. Also, each card requires a service fee, which depends on the amount of interest charged. All expenses for paying for mobile banking (and it is necessary to inform settlements with the principal amount) are charged to the amount on the card, which is subject to capitalization. To save on costs, it is recommended to choose cards with average conditions - then you can make good money on your deposit.

Capitalization of pension card deposit

Today, pensioners have the opportunity to receive a pension on a Sberbank card and take advantage of the capitalization program.

To do this, pensioners choose one of the offers:

The first proposal is to issue a pension card of the “Social” type.
The second is the use of a savings book and the Pension Plus deposit capitalization program. Both methods have different conditions.

The “Pension Plus” deposit capitalization program is interesting. If a pensioner enters into an agreement with the bank, his pension will be automatically transferred to the deposit and increased.

There is a minimum amount that cannot be withdrawn - 1 ruble, the rest of the money is used as needed. The remaining amount on the deposit is charged 3.5% per annum.

If the pensioner withdraws the principal amount, the interest is retained on the deposit, but without the condition of capitalization.

The only drawback in the matter is the constant contact with the bank to withdraw funds. And this is waiting in line and a waste of time.

By social card

If pensioners know how to use ATMs, they can apply for a social card. Its advantage is that it can be used every time without problems if necessary.

Otherwise, there are disadvantages:

constant use of the card leads to the neutralization of the capitalization program;
the card requires additional maintenance, which means additional expenses;
If you withdraw the entire accumulated amount from an ATM from your card, you will have to pay interest.

Otherwise, the social card is no different from the pension contribution. The same interest rates and conditions apply here.

Take action!

If you still have not decided to capitalize your existing glass jar funds must be brought step by step instructions all actions to exaggerate the amount of money:

Select a bank. You don’t have to stop at Sberbank; there are many other financial and credit institutions. But when choosing, you should not pay attention only to interest rates - pay attention to the history of the company, the availability of a license and feedback from investors. You should not choose banks that have been operating for no more than 2-3 years.
Study all deposit offers. Choose the most convenient and profitable option for yourself.
Calculate your profit. In fact, you can use a special formula. But every bank website offers a calculator into which you only need to enter the data you know and your own wishes. For example, indicate the amount of the future deposit and the desired capitalization period. The calculator will automatically select the appropriate program and calculate the profit. A detailed rollover and capitalization schedule is also provided.
Compare your results. To do this, enter several conditions - change the extension period, change the deposit currency, amount, etc. Each time a new value will be obtained - select the profitable one from the calculated ones.
Go to the bank to draw up an agreement or use the services on the official website.

Capitalization of a deposit is not only about making a profit, but also about preserving funds that currently have nothing to spend on (this also happens).

In this way, you can save up for an expensive purchase, which may lose value during the term of the deposit, and the investor will be left with a profit in his hands.

What is capitalization of a deposit is understood by every investor who keeps money in bank account. The annual interest that the bank accrues when actually borrowing money from a client and sharing with him its earnings from putting this money into business is capitalization. However, there is another type of capitalization, which is sometimes called compound interest, interest on interest, or interest capitalization. This type of capitalization is somewhat more profitable for the investor and allows him to earn a little more on his deposit. In general, it does not represent anything complicated. What is capitalization of interest on a deposit account in Sberbank and others credit institutions, on what types of Sberbank deposits this opportunity is available.

What is capitalization of interest on a deposit?

Simple interest is those that are accrued at the end of the deposit period. For example, if you deposit one hundred thousand rubles into an account for 12 months at 7 percent per annum, then a year later on a deposit with simple capitalization you will receive 107 thousand rubles, your investment and capitalization in the amount of seven thousand.

Interest capitalization works differently. The deposit amount can be recalculated every month (which most often happens at Sberbank) or once a quarter. The deposit is capitalized, the amount becomes slightly higher due to accrued interest.

Then, in most cases, it’s up to the depositor - he either withdraws the interest accrued for the month for his needs, or leaves it in the account. If the money remains in the account, the same capitalization of interest on the deposit account occurs. Next time, interest will be accrued not only on the principal amount of the deposit, but also on the interest accrued before, that is, on the entire amount that is in the account.

Earnings on interest, thus, constantly becomes an additional basis for earnings from the deposit. Although you won't be able to earn a lot.

In our example, with a deposit of one hundred thousand rubles, which is open for one year at seven percent per annum, in the end you can earn only a little more - about 7.23% per annum. If you do not remove the monthly capitalization, but allow the accrued interest to be further capitalized on the account, at the end of the year, instead of seven thousand, about one hundred thousand rubles will be added to about 7,229 rubles.

We present this calculation in the table:

Month	Deposit amount at the beginning of the month	Capitalization accrued per month	Deposit amount at the end of the month
1	100 000,00	583,33	100 583,33
2	100 583,33	586,74	101 170,07
3	101 170,07	590,16	101 760,23
4	101 760,23	593,60	102 353,83
5	102 353,83	597,06	102 950,89
6	102 950,89	600,55	103 551,44
7	103 551,44	604,05	104 155,49
8	104 155,49	607,57	104 763,06
9	104 763,06	611,12	105 374,18
10	105 374,18	614,68	105 988,86
11	105 988,86	618,27	106 607,13
12	106 607,13	621,87	107 229,01

The main problem with this calculation is that seven percent per annum for Sberbank deposits today is fantastic. Most often we are talking about much more modest percentages. This means that the difference between simple capitalization and interest on interest will be even more insignificant.

Obviously, deposits that allow you to capitalize interest are only slightly more profitable. However, they still have some convenience. Firstly, if you put in enough a large sum to the bank, you can withdraw interest monthly and thus have additional source income. And if the deposit amount is small, interest can help out when you need a little money and there are only one or two days left until payday. Secondly, if you do not withdraw interest, the funds on the deposit accumulate a little more actively, and in fact the deposit becomes, although not much, more profitable.

Photo: pixabay.com

For which Sberbank deposits is capitalization of interest on the account available?

In 2018, almost all deposits available to Sberbank clients offer the opportunity monthly capitalization and withdrawals or interest accrual on interest.

This option is available for the following deposits:

“Significant benefit” (dollar deposit) - interest is accrued every month.
“Save” - interest is accrued every month.
“Replenish” - interest is accrued every month.
“Manage” - interest is accrued every month.
“Social” - interest is accrued every quarter (every three months).
“Gift of Life” - interest is accrued every quarter (once every three months), but interest capitalization will not be available if the deposit is closed early (deposit term - 1 year).

Thus, among the mass products of Sberbank, there is no capitalization of interest only on the “Onlike” deposit.

In all cases when interest on deposits is accrued once a month or once a quarter, there is no need to specifically inform Sberbank about your decision to leave money in the account. If you decide to withdraw interest, you simply do so and then it does not count toward your next capitalization. If you left funds in the account, the bank understands that you decided to capitalize them, and next time these funds will be taken into account when the deposit is recapitalized.

The only thing worth paying attention to is that deposits without interest capitalization may in any case turn out to be more profitable. Simply due to the fact that the interest rate on them is initially higher. This is exactly what happens at Sberbank, by the way. For the “Online” deposit, where capitalization of interest is not provided, the rate is 6.7%, but for all deposits with capitalization the rate is no more than 4.75%, and often it is even 3% per annum or slightly higher.

Deposit capitalization is one of the options offered by deposit programs. Deposits with interest added to the contract amount have increased profitability, which means they are more profitable for the user. Let's look at what parameters Sberbank offers, and also look at the nuances of registering a deposit with capitalization.

As a rule, within the same organization, many deposit tariffs are offered, aimed at different needs clients. This differentiation allows you to choose a managed or unmanaged account; with and without the possibility of capitalization, extension.

Capitalization is the procedure of adding interest to the contents of an account. Let's give an example: if a depositor made a deposit in the amount of 100,000 rubles. at 7% per annum, then in the case of a deposit without capitalization in a year he will earn 7 thousand rubles. If the tariff included such a monthly option, then income would increase to 7.23 thousand rubles.

The essence of the operation is that the interest accrued for the month is added to the deposit amount, and next month an additional payment will be made for the increased amount. Option included in tariff plan, but can be revoked at the client’s request. In this case, interest is payable monthly.

Terms of Sberbank programs

Today Sberbank offers several tariffs for saving and increasing money:

"Save Online": rate 4.05-5.63% per annum in rubles, multi-currency account, term 0.1-3 years. The program does not provide for account management: there is no possibility to replenish and partially withdraw money. Basically, the program is designed to save funds and accrue guaranteed profits.
"Replenish": rate 3.95-5.12% per annum, term 0.3-3 years, funds cannot be withdrawn, but the account can be replenished. Deposit rates are slightly lower than the previous program, but there are also more opportunities for managing the account.
"Manage": 3.23-4.82% per year; terms are 3-36 months, and the minimum amount is from 30,000 rubles. It is worth noting that the account can be replenished unlimitedly, as well as partially withdraw funds up to the minimum balance.
"Gift a life": 5% (+0.3% are transferred to the Fund for Helping Sick Children), period - 1 year, and minimum amount - 10 thousand rubles.

Thus, almost all deposit rates at Sberbank require capitalization of interest. Full conditions can be viewed on the bank’s website in the “Invest and Earn” section. Please note that the interest rate is indicated in maximum equivalent. The main one depends on the parameters of the contract - amount and term.

You can calculate the amount of the awarded payment at the end of the term using the calculator located on the bank’s official website. In the calculation form, you need to set the basic parameters of the program, and the system will issue the estimated amount of payments under the contract.

Capitalization benefit

The advantage of programs with interest attached to the “body” of the deposit is undeniable. First of all, the procedure increases the profitability of the deposit. And secondly, registration of the option frees the client from monthly visits to the bank to withdraw interest.

If you plan to withdraw interest to an account, you can do this to a pension card and other accounts. The service is absolutely free, and calculations are made automatically.

The deposit procedure is as follows:

You need to contact a specialist by taking the “Open Deposit” coupon from the terminal with a passport of a citizen of the Russian Federation.
Make a selection deposit program, in accordance with necessary parameters, and sign the agreement.
Deposit funds into the bank's cash desk by receipt cash order and receive a savings book.

You can open a deposit and V online mode , and transfer money from an account or card. The Sberbank Online Internet banking system involves complete account management within a single personal account. To log into SB Online you need to get a login and password from an ATM, or register directly on the site using mobile phone and cards.

When you go to the “Open Deposit” tab, you need to select the appropriate program and fill out the parameters. Deposits opened independently have higher interest rates. So, if you draw up an agreement of the “Save” type, then when you visit the office for the year, the payment will be 5.15%, and with the “Save Online” deposit – 5.63% (rates without capitalization).

Thus, capitalization in Sberbank is designed to help clients increase profitability. There is no need for separate documents to register this option. In any case, interest will increase the deposit if this is provided for by the deposit program.

Among Sberbank's deposit products, a special place is occupied by the investment of funds with the capitalization of the deposit. This option involves charging compound interest by deposit. This solution is not suitable for everyone, but only for those investors who do not plan to withdraw their profits every month.

What does capitalization of a deposit in Sberbank mean?

Capitalization of a deposit should be understood as the regular accrual of interest on the total sum of money available on the depositor's account. That is, the bank charges interest on the deposit that the client decides to make to his account. Interest is then transferred to the same account, increasing the total deposit amount. The next time the interest is accrued no longer on an initial fee the depositor's funds, but for the total amount that is listed in his account.

The percentage of accruals increases as money is gradually accumulated. Thus, the client can actually make money by capitalizing the deposit. But he must take into account all the nuances when choosing the best investment option for himself.

Features of capitalization in Sberbank

Sberbank of Russia has developed many deposit options for its clients with different conditions. Even with a minimum amount of free money (1000 rubles), a person can open a deposit and receive passive income. But in order to earn money, you need to understand the nuances of the contract.

The client must understand that the main condition for capitalizing a deposit with Sberbank is a ban on withdrawing funds before the end of the period specified in the agreement. They remain untouchable in any case. Having deposited a deposit in a bank, a person must forget about these funds for a certain time.

Types of capitalization

There are several types of deposit capitalization. They differ in the period after which interest is calculated.

Monthly - this means that the period for calculating interest on the client’s funds is 1 calendar month.
Quarterly - every 3 months interest is accrued on the amount stored in the bank account.
Annual - interest on the deposit is accrued only once a year.
Negotiable - the terms of interest accrual are negotiated individually. This could be semi-annual capitalization, weekly or even daily.

The more often the accrual occurs, the faster the investor’s profit will grow. The most popular type is monthly capitalization.

Benefit from capitalization of deposits in Sberbank

Deposit capitalization is an excellent option for those who plan to keep their available funds intact by depositing them in a bank account. At the same time, the person also receives income from his funds. The main disadvantage is that the accumulated amount can only be used at the end of the term. Before its expiration, you cannot use the accrued interest, because profit will also be calculated on it.

If it is important for a client to constantly receive income from his funds, then a deposit with capitalization is not the most profitable option. There are deposits with higher interest rates. At the same time, you do not need to wait 1-3 years before you can use this money.

Profitability

The interest rate and overall return on the deposit are influenced by several factors:

deposit amount (after 100,000 rubles in Sberbank it increases, and then after 400,000 and 700,000 rubles);
currency in which the deposit is opened;
deposit term (longer period means higher interest rate);
the method in which the deposit was opened (if you do this yourself through Internet banking, profitability will increase).

Deposit calculator with capitalization from Sberbank

Sberbank has several options for deposits with capitalization. They differ in such items as terms, rates and the possibility of performing income and expense transactions.

Deposit product	Min. amount (rub.)	Bid (%)		Performing transactions
Savings			Indefinitely	Can be withdrawn and refilled
"Save"			1 month - 3 years	The account is not replenished, withdrawals are within the accrued interest
"Replenish"			3 months - 3 years	Replenishment without restrictions, withdrawal - within the accrued interest
"Manage"			3 months - 3 years	Replenishment without restrictions, withdrawal - within the minimum balance

Capitalization without contribution

Not everyone wants to make complex calculations when choosing Better conditions earnings. In addition, not every person likes restrictions on withdrawing their funds. Sberbank offers an alternative option - capitalization without a deposit. The client can open a Social debit card at Sberbank. It accrues 3.5% monthly on the minimum account balance.