Sberbank deposits of individuals April. Deposits of the Savings Bank of Russia. “Pension Plus” deposit program – special for pensioners

During the holidays in February and March 2020, Sberbank of Russia offers individuals and pensioners to open a new promo deposit “Catch the Spring” with a rate of 5 percent per annum in rubles.

By the holidays of February 23 and March 8, Sberbank, together with partners, decided to hold a promotion and offered customers discounts on different kinds services and goods. Thus, he supposedly helps his clients “congratulate their relatives and friends and create a memorable #wow-day for them.”

The new promo deposit “Catch the Spring”, which Sber introduced for the holiday period – component this big #wow-action. What else the Security Council of the Russian Federation offers for gender holidays, we will tell below, but for now we will focus on the deposit. He's worth it.

Terms of Sberbank's "Catch the Spring" deposit

This is a typical promotional offer.

• Funds can be invested for a period of 5 months.
• The minimum amount is 50,000 rubles.
• Replenishment of the account and partial withdrawal of money without loss of profitability is not allowed.
• If you decide to withdraw the money before the end of the term, you will receive it without accrued interest.

If you forget to withdraw the money after the end of the term, the deposit will be extended at a rate of 0.01% per annum.

In a word, the terms of the deposit are quite expected. What then is so attractive about it? And this…

Interest rate on Sberbank's "Catch the Spring" deposit

Today, Sberbank does not please investors with profitability. After the end of accepting winter promotional deposits "New Year's Bonus" and "Favorable Start", the maximum profitability of Sberbank deposits decreased to 5.54% per annum. You can get so much if you open a “Save” deposit with an amount of 400,000 rubles or more for a period of 6 months to 2 years. And this is taking into account the capitalization of interest.

The interest rate of the Seize the Spring deposit is 5% per annum in rubles.

This makes this deposit the most profitable among the base deposits of the RF SB.

An overview of the conditions and rates of Sberbank deposits can be viewed.

When can I open a deposit?

The deposit is seasonal, it is dedicated to the holidays, and therefore the period of its acceptance is limited.

The "Catch the Spring" deposit from Sberbank is accepted only from February 19 to March 14, 2020.

Where to open the Seize Spring deposit

The Seize Spring deposit can only be made remotely, which means it is only suitable for those who are already Sberbank clients. You can open it in three ways:

1. In the Internet bank Sberbank Online;
2. AT mobile application Sberbank Online;
3. At a Sberbank ATM.

How to open a deposit for those who are not a client of Sberbank?

If you are not yet a client of the Security Council of the Russian Federation, then contact the bank branch with a passport and issue some debit card. After that, you will get access to Sber's remote service channels and will be able to open a deposit.

What discounts does Sberbank offer by February 23 and March 8

As part of the celebration, the “Million THANKS” campaign is planned for participants in the “Thank you from Sberbank” loyalty program. It runs from February 13 to March 13, 2020.

Discounts during this period will also apply to insurance products:
Travel insurance (10% discount from 20.02 to 10.03),
"Home Protection" and "Card Protection" (23% - from February 20 to 23 and 28% - from March 5 to 8).

When opening an individual investment account with a strategy trust management"Cumulative" and a one-time contribution of 250 thousand of the Security Council of the Russian Federation gives filling tax return. The service is valid from 21.02 to 10.03.2020.

But the main bonuses will be received by those who use the services or services of the Sberbank ecosystem during this period.

Sberbank ecosystem discounts by February 23 and March 8

Sberbank ecosystem services participate in the project as follows:

• up to 25% discount - from the Delivery Club ready-made food delivery service;
• 21 days of subscription to Optimum and START service packages - from the Okko online cinema;
• 50% discount on a subscription until the end of the English Premier League season - from Okko.Sport;
• 10% discount for five trips with the Citymobil taxi service;
• discounts on gifts up to 50% on the Beru marketplace;
• one month of unlimited consultations with a therapist and pediatrician (23 rubles - from February 14 to 23, 8 rubles - from March 1 to March 8) - from DocDoc;
• discount on the SberMarket food delivery service (7% - from February 14 to March 23, 8% - from February 25 to March 31).

At Beru, you can buy gifts not only at a discount, but also get them on credit using the Buy with Sberbank service.

Sberbank, which in mid-October raised the rates of all dollar deposits by 0.01-0.26 percentage points, on Thursday offered depositors two new New Year's ruble deposits with increased income - "Just 7%" and "Just 6.5%".

The deposit "Just 7%" with a maximum rate of 7% per annum can be made in the Internet Bank and mobile application " Sberbank online, as well as at Sberbank ATMs. The "Just 6.5%" deposit with a maximum rate of 6.5% per annum is available in all branches of Sberbank serving individuals, is indicated in the message of the bank.

Deposits "Just 7%" and "Just 6.5%" can be opened until December 31, 2017. Both deposits are opened for 5 months in the amount of at least 100,000 rubles. Interest is calculated at the end of the term. Additional contributions and debit operations on deposits are not provided.

According to i. about. Maxim Stepochkin, director of the Borrow and Save division of Sberbank, new deposits are an opportunity for clients to “place their money securely and profitably”.

Until new contributions maximum bet retail deposit opened at a Sberbank branch was 5.1% per annum, and remotely - up to 5.6%. Both rates are assigned when placing for 3-6 months at least 700,000 rubles. Thus, after the introduction of new deposits, the maximum rate at Sberbank increased from 5.6% to 7% per annum.

Last time seasonal deposits with a rate of 6.5-7% Sberbank offered to investors in July-August 2017

Simultaneously with the introduction of new deposits, Sberbank changed the rates on deposits in rubles and savings certificates from November 9. Investment rates for a period of 6 months to a year were increased by 0.05 percentage points. And for terms from 2 to 3 months and from 1 year to 3 years, on the contrary, they are lowered by 0.05-0.25 percentage points.

At the same time, the maximum rate in the basic line of deposits has decreased and is 5.50% (Save Online deposit for a period of 6 months to 1 year).

On the one hand, this was the result of a decrease key rate Central Bank, on the other hand, was caused by the interest of clients in the placement of ruble funds on average term deposits up to a year, Sberbank explained to Vedomosti.

According to unconsolidated financial reporting Sberbank, since August, the amount of funds of individuals in it has gradually decreased: from 11.636 trillion rubles. up to 11.515 trillion rubles. on November 1st. The Bank, in its commentary, indicated that in October the volume of attracted funds from the population increased, including by attracting more than 30 billion rubles. from individuals as part of the bank's bond issue. The ruble strengthening factor leads to a decrease in the nominal value currency deposits, but in real terms, taking into account investments in the bank's bonds, growth is observed, a representative of Sberbank said.

“The short-term offer of a deposit with increased income is a matter of regulating the funding structure, which needs to be balanced from time to time. Perhaps seasonal contributions are needed in order to balance outflows from other segments, which may be associated with some seasonal reasons. Also the emergence of large banks seasonal deposits may be related to the need for additional ruble liquidity,” lists the managing director of the National rating agency Pavel Samiev.

Sberbank of Russia over the 150 years of its existence has won the unshakable trust of the population. Today financial institution outperforms its competitors in many respects. One of them is a package of services for deposits. Let's figure out what exactly the bank offers to depositors, how favorable interest rates are and what is needed to make a deposit.

Current interest rates on deposits with Sberbank for 2018

You can see more detailed and most accurate information on deposits on the official website of Sberbank at the link: www.sberbank.ru/ru/person/contributions/deposits

"Term deposits" of Sberbank: names and conditions

For depositors, Sberbank has developed a simplified program that includes three basic products: Save, Manage, and Replenish, which, in turn, provide additional solutions for different categories of the population and Special offers. Interest on the deposit is calculated based on the amount invested, the currency and the term chosen by the client. The "Term deposits" package is available to both large businessmen and average pensioners.

"Save"

Deposit conditions:

Interest rate at the bank office 3,65%-4,50% for ruble deposits, 0,05%-0,95% - for dollar deposits;
Interest rate when opening online - 3,9%-4,75% for ruble deposits, 0,1%-1,35% for dollar deposits.

Deposit currency:Russian ruble, dollar USA;
Minimum deposit amount: 1000 rubles, 100 dollars.
Deposit term:1 month - 3 years inclusive.

Replenishment:not provided
Partial withdrawal:not provided.

The term of the deposit for each specific case is calculated individually up to a day.

"Replenish"

Deposit conditions:

Interest rate at the bank office 3,6%-4,05% for ruble deposits, 0,05%-0,95% - for dollar deposits;
Interest rate when opening online - 3,85%-4,3% for ruble deposits, 0,25%-1,15% for dollar deposits.

Deposit currency:Russian ruble, dollar USA;
Minimum deposit amount: 1000 rubles, 100 dollars.
Deposit term:3 months - 3 years inclusive.

Replenishment:
- cash:
- non-cash:not limited.
Partial withdrawal:not provided.

You can also open a "Top up" deposit in the name of a child who will be able to access it only upon reaching the age of majority: from the age of 14, he can replenish the account himself, and from the age of 18, he can fully manage it.

Did you know? Per last years Sberbank increased lending to 70%, while competitors have this figure at the level of 21%.

"Control"

Deposit conditions:

Interest rate at the bank office 2,9%-3,75% for ruble deposits, 0,01%-0,6% - for dollar deposits;
Interest rate when opening online - 3,15%-4,0% for ruble deposits, 0,15%-0,8% for dollar deposits.

Deposit currency:Russian ruble, dollar USA;
Minimum deposit amount: 30,000 rubles, 1,000 dollars.
Deposit term:3 months - 3 years inclusive.

Replenishment:
- cash: from 1,000 rubles or 100 dollars;
- non-cash:not limited.
Partial withdrawal:dabout

"Gift a life"

Deposit conditions:

Interest rate -4,55% .

Deposit currency:Russian ruble;
Minimum deposit amount: 10,000 rubles.
Deposit term -1 year.

Replenishment:not provided
Partial withdrawal:not provided

The contribution was created to help children with oncological, hematological and other serious diseases.

Every 3 months, Sberbank transfers 0.3% per annum of the deposit amount to the Podari Zhizn charity fund.

"Onlike"

Deposit conditions:

Interest rate:
- 6,5% - for 1 year;
- 6,7% - for 2 years.

Deposit currency:Russian ruble
Minimum deposit amount: 10,000 rubles;
Deposit term: 1-2 years

Replenishment: not provided
Partial withdrawal:not provided

"Major Benefit"

Deposit conditions:

Interest rate:1.5% -3.0% per annum

Deposit currency:U.S. dollar
Minimum deposit amount: $10,000;
Deposit term: 6 months, 1,2,3 years

Replenishment: not provided
Partial withdrawal:not provided

"Social"

Deposit conditions:

Interest rate -3.75% per annum.

Deposit currency:Russian ruble;
Minimum deposit amount: 1 ruble.
Deposit term -3 years.

Replenishment:not limited
Partial withdrawal:daboutminimum balance level without loss of accrued interest

The contribution is a special offer for children left without parental care and veterans/disabled of the Great Patriotic War. It can only be opened at a branch of Sberbank in the name of an orphan child by his legal representative upon presentation of an act of the guardianship and guardianship authority on the establishment of guardianship / guardianship / placement of the child in a specialized social institution, as well as by a veteran or disabled person of the Great Patriotic War upon presentation of a certificate of a veteran of the Great Patriotic War /certificates of the invalid of the Great Patriotic War.

"Pension-plus of Sberbank of Russia"

Deposit conditions:

Interest rate -3,5% .

Deposit currency:Russian ruble;
Minimum deposit amount: 1 ruble.
Deposit term -3 years.

Replenishment:not limited
Partial withdrawal:daboutminimum balance level without loss of accrued interest

This deposit was created for crediting pensions, social benefits and other payments.

Conditions for registration of termless deposits, category "deposits for settlements"

For daily use and making regular payments, Sberbank of Russia offers its customers special offers: deposits for settlements.

"On demand of Sberbank of Russia"

Deposit conditions:

Interest rate -0.01% for all currencies

Deposit currency: Ruble / US dollar / Euro / Pound sterling / Swiss franc / Swedish krona / Singapore dollar / Norwegian krone / Danish krone / Canadian dollar / Australian dollar / Japanese yen ;
Minimum deposit amount:.
Deposit term:indefinitely.

Replenishment:not limited
Partial withdrawal:daboutminimum balance level without loss of accrued interest

In force majeure circumstances, when it becomes necessary to withdraw all the money invested, you have the right to terminate the agreement with the bank ahead of schedule and withdraw your deposit. In this case, the income will be accrued taking into account the actual period of storage of money in the account and the established interest rate. If it has changed since the opening of the deposit, each of its values ​​will be taken into account. For long-term storage, you can draw up a power of attorney or make a will on your savings.

"Savings account"

Deposit conditions:

Interest rate:
- 1,0%-1,8% - ruble deposits;
- 0,01% - for deposits in foreign currencies.

Deposit currency:Russian ruble, dollar USA, Euro;
Minimum deposit amount: not limited.
Deposit term:indefinitely.

Replenishment:not limited
Partial withdrawal:not limited.

Deposit "Universal Sberbank of Russia"

Deposit conditions:

Interest rate -0.01% for all currencies

Deposit currency: Rubles / US dollars / Euros / Pounds sterling / Swiss francs / Swedish krona / Singapore dollars / Norwegian krone / Danish krone / Canadian dollars / Australian dollars / Japanese yens;
Minimum deposit amount:10 rubles / 5 US dollars / the equivalent of 5 US dollars in other currencies
Termcontribution:indefinitely.

Replenishment:not limited
Partial withdrawal:daboutminimum balance level without loss of accrued interest

This deposit can not be opened in all branches of Sberbank. The list of branches where it is available can be found here.

Important! To make a deposit, you need to come to Sberbank with a passport or pension certificate, sign an agreement and put money on a deposit.

"Nominal account for crediting social payments"

Deposit conditions:

Interest rate -3,67% .

Deposit currency:Russian ruble;
Minimum deposit amount: 0 ruble.
Deposit term -perpetual.

Replenishment:alimony, pensions, allowances
Partial withdrawal:daboutminimum balance level without loss of accrued interest

Nominal account for enrollment social benefits opens at Sberbank branches for parents/guardians/custodians to credit social funds specified in Article 37 of the Civil Code of the Russian Federation: amounts of alimony, pensions, benefits, compensation for harm to health and harm suffered in the event of the death of the breadwinner, as well as other funds paid to them for maintenance minors/incapacitated/partially capable citizens who are beneficiaries of nominal account. To open it, it is enough for the Parent to present their identity document and the birth certificate of a child under the age of 14 or the birth certificate and passport of a child aged 14 to 18, while no permission from the guardianship and guardianship authorities is required to be provided to the Bank . In order to open a Nominal Account, the guardian/custodian presents his/her identity document, the birth certificate of a child under the age of 14 or the passport of a child aged 14 to 18 or an incapacitated/limitedly capable citizen, an act of the guardianship and guardianship authority on the appointment of a guardian (custodian ), confirming the powers of the owner of the Nominal account to manage the funds of the ward

This project covers the needs of parents, guardians, incapacitated or partially incapacitated people, as well as trustees to whom the state pays funds for the maintenance of minor children. Deposits in banks are possible only in Russian rubles to a nominal account intended for social payments. How much money to put on the deposit, the depositor decides. To withdraw funds, you do not need prior permission from the guardianship and guardianship authorities.

The account may not exist. limited time with the possibility of partial use. Moreover, the bank does not put forward any conditions regarding the minimum balance. Replenishment of a nominal account excludes incoming transactions, except for the transfer of social payments and transfers from another similar account, the beneficiary of which is the same person.

Interest is calculated every 3 months. If you want to close the account and terminate the agreement with the bank, interest will be accrued on the actual storage of money, taking into account the rate agreed upon when opening the deposit. All changes in interest rates will also be taken into account.

General terms of deposits

All deposits differ in interest rate, term, minimum amount and various conditions for replenishment and withdrawal. But they also have the same items in the provision:

Terms of interest

1. Interest is calculated monthly;
2. Accrued interest is added to the deposit amount, thereby increasing income in the next month;
3. Accrued interest can be withdrawn or transferred to the card account.

An increase in the interest rate occurs when the amount of the deposit of the next amount gradation is reached. For example, if you opened a "Replenish" deposit in the amount of 100,000 rubles, and subsequently its amount reached 400,000 rubles, then the interest rate from 3.8% will increase to 3.94%.

Conditions for early termination

1. If you need money ahead of time the end of the deposit, you can always get them, regardless of the reason for this;
2. If the deposit was opened for a period of less than 6 months inclusive, then the deposit amount will be recalculated and returned based on the interest rate of 0.01% per annum;
3. If the deposit was opened for a period of more than 6 months:
   - when a deposit is demanded within the first six months - recalculation according to the rate of 0.01%;
   - when claiming a deposit after the sixth month - based on 2/3 of the interest rate set by Sberbank at the time of opening the deposit.

At early repayment deposit interest is recalculated without taking into account the monthly capitalization.

Prolongation conditions

• The number of extensions is not limited;
• Automatic renewal is subject to the same terms and at the same interest rate as on the date of renewal.

Conditions for pensioners

Sberbank has developed special conditions for pensioners who open "Replenish" or "Save" deposits:

1. Opening deposits on special conditions for pensioners is carried out for women over 55 years old and for men over 60 years old;
2. Deposits for pensioners are opened with the maximum interest rate for the selected period, regardless of the amount of the deposit;
3. If the deposit was opened before reaching retirement age, then upon reaching it, the rates automatically become maximum;
4. There is no limit on the maximum amount;
5. When deposits are demanded after 6 months of the main/extended term, in which the balance exceeds the Maximum amount, a reduction coefficient - ½ is applied to the difference between the actual balance and the Maximum amount in addition to the coefficient 2/3. These coefficients are applied to the rate in effect on the deposit on the date of opening/prolongation.

Did you know? The rights of the main shareholder and founder of Sberbank are assigned to central bank Russian Federation, which owns 50% + 1 voting share.

We invite you to familiarize yourself with detailed instructions how to open a deposit in the Sberbank Online system, in the document attached below.

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 Bank No. 1 makes for individuals.

Interest rates on deposits in 2017 for today at Sberbank

Potential customers can find out the current interest on current offers by visiting the official website of the institution. Information is updated daily, and for review, just 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 available today are grouped in a separate section. They are intended only for existing customers. For each offer, the initial interest is indicated in the maximum value, so the real rates after registration can 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 amounts. Individuals are given the opportunity to open such an account in any currency from the list indicated on the website. In total, there are about 25 items on the list.

The "International" deposit provides for the placement of currency at a rate of 0.1%. The reason for this low rate is the unstable exchange rate. The maximum placement period is 3 years. The minimum amount for placement is from 100 USD. This offer does not provide for any actions with the account. Capitalization is carried out every 3 months.

On the account "Multicurrency" 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. AT this case it is envisaged to carry out replenishment operations and partial withdrawal. Capitalization is carried out every 3 months. Interest on deposits Sberbank for 2017 in currency will be valid throughout the year.

Deposits for individuals in Sberbank in 2017 in rubles

In rubles for individuals there is much more banking products. Rates are indicated in maximum terms, so they may be lower at checkout.

In rubles today you can open the following types of deposits:

• "Save" - ​​up to 6.49% with a minimum amount of 3 thousand rubles.
• "Replenish" - up to 6.23% for a maximum of 3 years
• "Manage" - 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 items, individuals can place at least 1 thousand rubles. Capitalization is provided in each of the cases.

What is a deposit in Sberbank?

Making a deposit is essentially receiving 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 on the previously credited amount for this.

Deposit of Digital Sberbank for individuals

This type implies the design is 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 metal deposits - Sberbank gold rate

Such a deposit can be opened by clicking on the "Metal Accounts" tab. There is a similar mechanism at work here. stock market— i.e. buy/sell ounces online. The price of gold changes almost every day. Today, the value is 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 a minimum of 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 optional, but not less than 3 months. Online registration is also available.

Sberbank deposits of individuals 2017 promotion high interest

On the this moment This promotion has been temporarily suspended. Current interest rates on deposits Sberbank for today it is recommended to clarify only on the official website.

This page of the Banki.ru portal presents the most actual information on deposits for individuals currently operating in Sberbank of Russia. Here you will find detailed information about the conditions and interest rates on deposits of the largest Russian bank.

The line of deposits of Sberbank is quite diverse and includes term deposits for various categories of citizens. Sberbank offers profitable deposits with interest capitalization, the ability to replenish and make expense transactions, multi-currency, as well as deposits for pensioners on more attractive terms. Most deposits provide for the possibility early termination on preferential terms. Deposits opened through the Sberbank Online system also have higher interest rates.

How to choose profitable contribution in Sberbank?

• Compare offers from various sources - Banki.ru enters into an agreement on special more favorable conditions for your visitors.
• Learn the main types of deposits and choose which program is more convenient for you:

1. With interest capitalization - gives additional income, but sometimes it is more profitable to receive interest on a monthly basis.
2. With replenishment - this is an increase in the body of the deposit now in various products may have a limitation on the possible date of the last before the expiration of the replenishment agreement, and the rate here may be lower.
3. The amount is not more than 1.4 million rubles - do not exceed the amount suitable for the banking product insurance program.