Sberbank has changed the rates on deposits individuals upward. In the leadership of this very large bank Russia was explained that in this way the bank follows the general trend of growth in interest rates, which is outlined in the country. So how much high rates on deposits in Sberbank today in Moscow, St. Petersburg and other cities of Russia, is it really profitable to place money now at interest in this bank? Let's figure it out together.
In the line of Sberbank deposits today there are several deposits for different types of money management. There is a deposit for those who are ready to put funds for several years and not touch them in the hope of getting maximum percentage... And there are deposits for those who need to withdraw part of the money from time to time or replenish the deposit. The rates for deposits with and without replenishment, respectively, are different.
Today only deposits in rubles and US dollars can be opened in Sberbank. The Bank temporarily does not open new deposits in euros, offering to use the Savings Account in euros at a rate of 0.01% per annum.
Interest on deposits in Sberbank for today - in 2019
Deposit "Save"- not replenished and without partial withdrawal. Deposit term: from 1 month to 3 years inclusive.
The rates on this deposit today are (% per annum):
- - from 4.05 to 5.60% in Russian rubles;
- - from 0.01 to 1.55% in US dollars;
- - In Euro.
Deposit "Replenish"- replenished, but without partial withdrawal. Deposit term: from 3 months to 3 years inclusive.
The rates on this deposit today are (% per annum):
- - from 4.60 to 5.15% in Russian rubles;
- - from 0.01 to 1.15% in US dollars;
- - In Euro.
"Manage" deposit- replenishment and partial withdrawal. Deposit term: from 3 months to 3 years inclusive.
Rates today are (% per annum):
- - from 4.00 to 4.85% in Russian rubles;
- - from 0.01 to 1.05% in US dollars;
- - In Euro.
Sberbank's line of basic deposits today includes other deposits, for example, the Gift of Life charity deposit with an interest rate of 5.65% in rubles, as well as a savings account and online deposits.
See the full list of deposits of individuals of Sberbank with interest rates and conditions on this page >>
The most profitable contribution of Sberbank for today
However, the most profitable today will be to open a deposit in Sberbank via the Internet. Then you can get a higher percentage.
"Manage Online" deposit(with replenishment and partial withdrawal) for a period from 3 months to 3 years, inclusive, can now be issued under:
- - from 4.15 to 5.00% in Russian rubles;
- - from 0.25 to 1.35% in US dollars.
Deposit "Replenish Online"(replenished, but without partial withdrawal) for a period from 3 months to 3 years inclusively for this moment can be opened under:
- - from 4.75 to 5.30% in Russian rubles;
- - from 0.35 to 1.45% in US dollars.
Save Online Contribution(not replenished without partial withdrawal) for a period from 1 month to 3 years inclusive, today you can open with the following rates:
- - from 4.20 to 5.75% in Russian rubles;
- - from 0.15 to 1.85% in US dollars.
It will be the most profitable in Sberbank in 2019, excluding promotional deposits and those that are available only to customers with
The most profitable and income contribution at Sberbank in 2019: read how to choose and open a deposit with an increased interest rate today.
Sberbank, perhaps, first of all attracts depositors with its stability. It is no secret that the registration of deposits of individuals with Sberbank is one of the most reliable ways of investing money today. Sber is the largest bank Russia in terms of the volume of deposits of individuals and ranks first in the ratings for assets, availability equity capital and many others.
You can open a Sberbank deposit not only in Moscow, St. Petersburg or other large city, but even in small settlements because there are a lot of branches.
Of course, many banks in Russia offer depositors more than high interest rates... But even in the updated line of Sberbank today you can find savings programs with high interest rates. So, consider, what is the most profitable deposit in Sberbank in 2019.
What is the most profitable Sberbank deposit today
Like many banks, Sberbank today has savings programs for ordinary individuals and premium clients. Of course, the latter are a little more profitable, but due to the large down payment and a number of other requirements, not everyone can apply for premium deposits. We will return to them below, but for now we will consider the most profitable products from the basic line that any person can arrange.
1. The most profitable deposits from the basic line
So, to issue any basic deposits in Sberbank at the highest interest rates you will need a computer or telephone with an Internet connection, or at least an ATM. This is important, because when opening a deposit in a Sberbank branch, the depositor will be offered standard terms and interest rates for individual deposits. And when making deposits in the Internet bank "Sberbank-Online", ATM or self-service device, the interest rate is higher!
Deposits of Sberbank with increased interest rates for ordinary individuals in 2019 are named: "Save OnL @ yn", "Replenish OnL @ yn" and "Manage OnL @ yn".
1.1. Sberbank deposit with an increased interest rate "Save Online @ yn"
This program will be useful for safe keeping of your savings and getting a guaranteed income.
(+) Plus: high profitability.
(-) Minus: there is no possibility to replenish the account and partially spend money without losing interest.
Conditions
- Term: 1 month. - 3 years;
- Replenishment: not provided
- Partial withdrawals: not allowed, except for accrued interest.
- Interest accrual: monthly. Accrued interest can be withdrawn, as well as transferred to the card account.
- Capitalization: provided. Accrued interest is added to the amount, increasing income in the following periods.
Interest rate
Doesn't fit? See interest on deposits with VTB Bank -
1.2. Sberbank's contribution "Refill Online @ yn"
A replenishing deposit for those who prefer to save and regularly save their funds using the convenient and reliable Sberbank Internet bank.
(+) Plus: there is a possibility to replenish the account.
(-) Minus: there is no possibility of partial spending of money without losing interest.
Conditions
- Term: from 3 months to 3 years;
- Amount: from 1000 rubles / 100 US dollars;
- Replenishment: provided;
- Minimum contribution: in cash - from 1,000 rubles / 100 US dollars, non-cash - unlimited;
- Partial withdrawal: not allowed;
- Capitalization: provided.
Interest rate
See also: 50 Most Profitable Deposits Today -
1.3. Sberbank's contribution "Manage OnL @ yn"
This is a savings program for free control money with the ability to use part of the funds without losing interest.
(+) Plus: it is possible to replenish the account and partially spend money without losing interest.
(-) Minus: low profitability.
Conditions
- Term: from 3 months to 3 years;
- Amount: from 30,000 rubles. / 1,000 USD;
- Replenishment: provided. Cash - from 1000 rubles. / $ 100; Cashless - unlimited;
- Partial withdrawal: allowed up to the level of the minimum amount of the minimum balance without loss of accrued interest.
Interest rate
Not enough? See the conditions for storing money in the Rosselkhozbank -
The most profitable Sberbank deposit in 2019: how to apply
To open online - deposit with increased rate you need to connect your computer or phone to the Internet, and then:
- Log into online.sberbank.ru and select the "Deposits and Accounts" section.
- Select the menu item "Deposit opening".
- Read the terms of placement of funds, choose the appropriate savings program and click: "Continue".
- Fill out an application: select the account to be debited, the amount to be credited and the term of the deposit.
- Click: "Open".
The deposit agreement, drawn up in online.sberbank.ru, can be printed out on your own in your personal account in the "Operation history" section, or you can get it by contacting any bank office.
2. The most profitable deposits for premium clients
Sberbank's offers for premium clients are even more profitable than online deposits. They have a maximum percentage. But, unfortunately, not everyone can issue them. These special deposits can only be opened by the owners of the Sberbank Premier or First service package.
Their basic conditions (the possibility of replenishment, spending, accrual of interest, etc.) are the same as those of their counterparts from the basic line. The differences are only in the amount of the down payment and interest rates.
2.1. Sberbank deposit at maximum interest "Special Save"
Deposit with increased rates for owners of the Sberbank Premier or First service package.
Basic conditions
- Term: from 1 month to 3 years
- No replenishment
- Without partial removal
Interest rates
Not profitable? Explore the rates on deposits in Alfa-Bank -
2.2. Contribution "Special Top Up"
Replenishment deposit with favorable rates for owners of the service package "Sberbank Premier" or "First".
Basic conditions
- Term: from 3 months to 3 years
- Amount: from 700,000 rubles. / 50,000 dollars.
- With replenishment
- Without partial removal
Interest rates
Pay attention also to the interest on deposits in Promsvyazbank -
2.3. Contribution "Special Manage"
An expense deposit with increased rates for owners of the Sberbank Premier or First service package.
Basic conditions
- Term: from 3 months to 3 years
- Amount: from 700,000 rubles. / 50,000 dollars.
- With replenishment
- With partial removal
Interest rates
The conditions and interest rates of all other deposits of Sberbank can be viewed
How to apply for profitable premium deposits of Sberbank
First you need to become a premium client of the bank. To do this, you need to issue a package of services "Sberbank Premier" or "First", which, by the way, allow not only to open deposits on favorable terms, but also provide a number of other advantages. To use for free premium package services must be kept in accounts with Sberbank for more than 1.5 million rubles.
The very same procedure for registration of special deposits is the same as for deposits from the basic line, described above. You can issue premium deposits both at the bank branch and online via the Internet.
See also interest at Otkritie Bank -
Conditions for early termination of a deposit with Sberbank
Be aware that in any unforeseen situation, if you need money before the end of your deposits, you can always get it.
Early termination of deposits of the "Save", "Replenish" and "Manage" groups is carried out on the following conditions:
1. For deposits up to 6 months (inclusive) - by interest rate 0.01% per annum;
2. For deposits over 6 months:
- during the first 6 months of the main (extended) term - based on an interest rate of 0.01% per annum;
- after 6 months of the main (extended) period - based on 2/3 of the interest rate set by Sberbank for this kind deposits on the date of registration (prolongation).
At early termination interest deposits are recalculated excluding monthly capitalization!
See also the conditions of the Savings Account in VTB Bank -
Conclusions: which Sberbank deposit is the most profitable today
Today the bank offers to choose profitable deposit from the current product line. As before, personal accounts can be opened in foreign currency and in rubles. Next, we will tell you exactly what offers the bank # 1 makes for individuals.
Interest rates on deposits in 2017 for today in Sberbank
Potential clients can find out the current percentages on current offers by visiting the institution's official website. The information is updated daily, and for review it is enough to open the "deposits" tab and select the type of product you are interested in.
Check it out online on the official website Sberbank with interest on deposits for individuals can be opened by opening the "learn more" tab. Those products that are not provided today are grouped in a separate section. They are intended only for existing clients. For each offer, the initial percentages are indicated at the maximum value, so the real rates after registration may be an order of magnitude lower.
Sberbank deposits in foreign currency 2017
Today, there are two types of accounts in foreign currency. For each of them, interest and rates are indicated in fixed values. Individuals are given the opportunity to open such an account in any currency from the list indicated on the website. There are about 25 items in the list.
The deposit "International" provides for the placement of currency at a rate of 0.1%. The reason for this low indicator is the volatile exchange rate. The maximum placement period is 3 years. The minimum amount for placement is from 100 USD. This proposal does not provide for any actions with the account. Capitalization is carried out every 3 months.
On the account "Multicurrency" the interest is identical - 0.1%. The maximum term for placement is no more than 2 years. Today in foreign currency you can place from 100 USD. V this case replenishment operations are envisaged and partial withdrawal... Capitalization is carried out every 3 months. Interest on deposits Sberbank for 2017 in foreign currency will be valid throughout the year.
Deposits for individuals in Sberbank in 2017 in rubles
There is a lot more in rubles for individuals banking products... Rates are indicated in maximum terms, so they may be lower at checkout.
The following types of deposits can be opened in rubles today:
- "Save" - up to 6.49% with a minimum amount of 3 thousand rubles.
- "Top up" - up to 6.23% for a maximum of 3 years
- "Drive" - 5.77% (fixed rate)
- "Give life" - up to 6.45% (the rate is set in this form, if the account is opened for at least 3 years)
For the last three names, individuals can place at least 1,000 rubles. Capitalization is provided for in each of the cases.
What is a deposit at Sberbank?
Making a deposit is essentially getting passive income... Those. funds credited to the account on demand in rubles and in foreign currency will be used by the bank in the course of its activities, and the client will receive interest for this on the previously credited amount.
Digital Sberbank deposit for individuals
This type implies registration completely in online mode... Those. the client should not visit the bank to open an account, because through online forms an agreement is signed and funds are credited digitally. The minimum amount is 1 thousand rubles. The rate is not fixed - up to 6.42%.
Sberbank's metal deposits - Sberbank gold rate
Such a deposit can be opened by clicking on the "Metal accounts" tab. There is a mechanism similar to stock market- i.e. online purchase / sale of ounces. The gold rate changes almost every day. Today the value is equal to 452 rubles. for 1 gr.
Deposits for pensioners in Sberbank 2017
For pensioners, one offer is still valid - the "Pension" deposit. Under its terms, a client can place at least 1,000 rubles. For obvious reasons, the calculation takes place only in rubles. If a pensioner wants to open a deposit in foreign currency, then for this he can freely use special foreign currency deposits.
The rate on the indicated deposit is not fixed and can reach a maximum of 6.45%. The term is given at choice, but not less than 3 months. The possibility of online registration is also provided.
Sberbank deposits of individuals 2017 high interest promotion
At the moment, this promotion is temporarily suspended. Actual interest rates on deposits Sberbank for today it is recommended to check only on the official website.
Sberbank offers registration of term deposits without the possibility of replenishment and withdrawal (Save), accumulative (Replenish) and expenditure and accumulative (Manage). Also, the client can open a demand deposit without restrictions on withdrawing funds. Special conditions designed for retirees, as well as for existing clients of the Bank (belonging to the Premier category or who are the owners of the Sberbank First package).
The bank offers special contribution for enrollment social payments, as well as a deposit for the accumulation of funds, the recipient of which after reaching the age of majority will be the child. The Donate Life program is also in effect, part of the funds for which is donated to charity.
Design features. To register a deposit in a bank, a citizen of the Russian Federation must provide a document proving the identity of the depositor - it can be a general civil passport, an identity card of a Russian military man (military card), a temporary identity card of a citizen of the Russian Federation (form N 2P). Also, the Bank in some cases has the right to request a TIN.
You can also apply for a deposit in the Bank Foreign citizens- in addition to the national passport, they need to provide a migration card and a document certifying the right to stay on the territory of the Russian Federation. The number of deposits that a client can open at the same time is not limited. There are the following features of registration of deposits in Sberbank:
- A term deposit can be opened at Russian rubles or US dollars;
- The deposit can be made in the name of another person. You need to have your passport and a copy of the passport of the person on whom the deposit is being made, certified by a notary;
- You can make a deposit in the name of the child. To do this, you need to have with you your passport, passport / birth certificate of the child, if available - TIN;
- Several people can manage the deposit at the same time, for example, family members, for this you need to issue a power of attorney. The service is free, the presence of authorized persons is not required;
- It is possible to transfer the deposit to a new owner by way of inheritance;
- The rate can be increased by additional contributions or in connection with an increase in the minimum amount (if this is provided for by the individual terms of the contract).
How to open a deposit? You can make a deposit in Sberbank in the following ways:
- At the Bank's office. The client must have an identity document with him: a general civil passport of the Russian Federation, an identity card of a serviceman, a temporary identity card of a citizen of the Russian Federation (form No. 2P) or a foreign civil passport (for foreigners, documents are also required to certify the right to stay in the territory of the Russian Federation);
- At a Sberbank ATM. Money for a deposit can be credited by transferring from a card or directly deposit cash at an ATM. In the ATM menu, you can familiarize yourself with the parameters of the Bank's deposits and indicate the amount and term of the deposit being drawn up.
- Remotely via the Internet bank or the Sberbank Online mobile application - for existing clients of the Bank, this method involves obtaining a premium to the interest rate (available within the framework of the main programs of the Bank).
Attention! Remote actions with your deposits can be performed only if you have previously concluded an agreement with the Bank for banking service(RBS). A prerequisite RBS is the presence of the depositor debit card Sberbank (card currency - rubles).If at the time of the conclusion of the contract the client does not have the specified card, then the card account in rubles is automatically opened and the “Momentum” card is immediately issued without charging a service fee.
Get a contract bank deposit opened online, you can print it in your personal account internet bank Sberbank Online in the section "History of transactions", or personally contact any office of the Bank.
Prolongation of deposits. When registering term deposit information on the expiration date of the agreement will be indicated in Sberbank Online, as well as in the deposit agreement. If, after the end of the term for placing the deposit, the client does not take the money, auto-rollover takes place on the conditions fixed in the contract or in effect at the time of the expiration of the term (if the client did not refuse auto-rollover at the time of the conclusion of the contract).
If, during the term of the agreement, the Bank has ceased to provide a similar deposit rate, auto-rollover is made on the terms of a demand deposit (rate 0.01%). Please note that automatic prolongation may imply a lower rate compared to the initial one (if the Bank's rates have changed during the term of the deposit). The client can avoid such risks by issuing a prolongation "manually" - by contacting the Bank immediately after the expiration of the deposit term to conclude an agreement under new conditions.
Deposit closing procedure. You can close a deposit remotely, using the Internet bank or the application mobile bank Sberbank Online - for this you need to fill out the appropriate short questionnaire in Personal account, indicating the account of crediting funds, and in mobile application by clicking the "Close deposit" button and then following the instructions, the amount will be transferred to a valid card or account. That's it, you can immediately use the funds.
Another option for closing a deposit is to contact the Bank's division where the deposit was opened. The client needs to provide the employee of the department with a passport (or other document that was provided during registration) and bank card(or account details) for crediting funds. Cash cash can also be obtained at the Bank's cash desk. To receive large sums(from 150,000 rubles), usually a preliminary application is required 1-2 days before the expected closing date of the deposit.
