One of the best offers for those who want to receive passive income and save their money in an organization such as Sberbank is a replenished deposit. This deposit is available to everyone, because you can open it with a minimum deposit to the account. It is enough to start with 1000 rubles, and additional amounts can be transferred regularly, as well as receive accumulated interest on your savings.
Customers have the opportunity to choose the capitalization of interest or immediately withdraw them to their account. The term may be minimal - from 3 months, but the replenished deposit of Sberbank can be placed for 3 years. It will become a comfortable solution for accumulating the right amount by a certain date.
Terms of growing income on a growing deposit
Sberbank's replenished deposit allows you not only to keep your money safe from yourself and, of course, from intruders, but also to receive income from the fact that you leave them for a certain period in the bank.
The interest rate depends on a number of reasons: from the type of currency chosen to the amount and timing of the deposit. In dollars and euros, you can get an increase of 0.4-2.05% per year, and in rubles - from 4.6 to 7.28% per annum. The correspondence of interest rates in rubles to the value, as well as to the periods of placement of deposits, is given in the table.
| Deposit amount | Deposit term |
| 3-6 months | 6-12 months | 1-2 years | 2-3 years | 3 years |
| from 1000 to 100 thousand rubles. | 4.6 | 5.15 | 5.5 | 5.75 | 6.0 |
| from 100 thousand to 400 thousand rubles. | 4.8 | 5.25 | 5,6 | 5.85 | 6.1 |
| from 400 thousand to 700 thousand rubles. | 4.95 | 5,4 | 5.7 | 6.0 | 6.25 |
| from 700 thousand to 2 million rubles. | 5.1 | 5.55 | 5.9 | 6.15 | 6.4 |
| over 2 million rubles | 5.3 | 5.75 | 6.1 | 6.35 | 6.6 |
It is only necessary to remember that the replenished contribution of Sberbank cannot grow indefinitely with the same profit. The limit is limited to ten times the size of the first installment, which was made when opening a deposit account. After that, the interest rate will be automatically reduced to the “demand” deposit level, that is, to 0.1% per annum. It is important to timely track the approach to the threshold value and to prevent a decrease in the profitability of your savings.
The only inconvenience for those who cannot plan their budget in the long term will be the lack of chances to withdraw part of the funds from this account without losing the accrued interest. Thus, without destroying the piggy bank, money cannot be obtained from it. It is better not to rush and terminate the deposit agreement ahead of schedule so as not to lose the potential income. It is logical that the most profitable is the long-term deposit in a large amount.
How does it simplify and improve the life of an internet contributor?
Sberbank's replenished deposit can be opened using a computer and access to the Network, more precisely through Sberbank Online, a remote banking service system. This method of placement will allow you to earn income 0.15% higher than with a standard deposit opening when you personally visit the bank. And the accumulation process itself will become more visible with the control that allows you to conduct Internet banking.
Another bonus for online investors will be the opportunity to replenish their deposit with any amount without restrictions, while at least for adding through the cashier - 1,000 rubles. The process of transferring money from an account to a deposit will take a matter of seconds, and you can do it at any convenient time. These all advantages are available through the “Online Sberbank” deposit “Replenish”. The conditions of this deposit are much more convenient than a standard deposit.