If you believe the opinions of experts, as well as the reviews of numerous customers, Sberbank of Russia today is considered the most reliable domestic financial institution. People are not afraid to enter into credit transactions here and safely bring money for storage. Positive is the fact of cooperation with the Deposit Insurance Agency of individuals. This means that in the event of an unforeseen situation, money will be returned to the client. Sberbank rates for the most popular deposit programs will be described below.
Fixed-term deposits without the possibility of replenishment
For those who want to get the maximum income and at the same time do not seek to “bury” their finances for a long time, a Happy Year contribution is offered. In domestic currency, you can conclude an agreement for 9, in foreign - for 10 and 18 months. The minimum deposit amount in rubles is 150 thousand rubles. In dollars and euros, you can conclude an agreement if there is an amount of at least 3 thousand. The annual contract rate in rubles is 9%, in dollars and euros - 2%. You cannot replenish the deposit.
A program called “Save” is popular. Everyone has the opportunity to independently choose the duration of the transaction (from 1 month to 3 years). It should be borne in mind that it will not be possible to replenish the deposit and partially withdraw funds. Sberbank interest rates depend on the amount of the transaction. You can draw up a contract if there are available funds from 1000 rubles. The rate is 9.07%.
Flexible deposit programs
It offers the opportunity to manage their accounts Sberbank. Rates on deposits with the possibility of replenishment and partial withdrawal will be slightly lower. A financial institution has a deposit program called “Replenish”. The contract can be drawn up for a period of 3 months to 3 years. The minimum amount is 1000 rubles or 100 dollars, euros. The maximum rate in domestic currency is 8.07%, in foreign - 2.01%.
The “Manage” deposit is very popular among the clients of a financial institution. The program allows you to partially withdraw the invested amount without losing interest. The contract can be concluded for a period of 3 months to three years. The minimum deposit amount in rubles is 30 thousand, in dollars or euros - 1000. The deposit can be replenished freely. Maximum rate in rubles - 7.31%, in foreign currency - 1.8%
Earnings on currency fluctuations
Today, everyone knows about the instability of the economic situation in the world. Sberbank offers to earn on this situation. Deposit rates that open simultaneously in three currencies are quite attractive. The Multi-Currency Agreement can be concluded for a period of 1 or 2 years. Cash replenishment is possible from 1000 rubles or 100 dollars (euros). You can replenish the deposit by bank transfer for any amount. It is impossible to partially withdraw money before the expiration of the contract. Sberbank rates are 6.88% in rubles, 1.78% in dollars and 0.91% in euros.
The “International” deposit allows you to earn extra money at exchange rates that are not in demand in Russia. The contract can be executed in Japanese yen, Swiss francs, British pounds. The minimum amount for a transaction is 10 thousand. Sberbank rates are 2.7% in pounds sterling, 0.75% in Swiss francs and 1.3% in yen. The contract can be concluded for a period of 1 month to 3 years.
Online deposits
With the development of information technology, there are much more opportunities for customers of financial institutions. Now, in order to make a deposit, it is not necessary to go to the bank. In addition, the interest rate at Sberbank is offered slightly higher if the contract is drawn up online. So, under the program "Save online" you can get up to 9.52% per year. If you fill out an online recharge agreement, you will be able to get up to 8.69%.
The “Manage Online” program is very popular. You can conclude a contract for up to 3 years. The minimum transaction amount is 30 thousand rubles or 100 dollars (euros). Non-cash replenishment can be made for any amount. Customers can withdraw the amount from the deposit at any time, pay off the account for services. Sberbank rates for this program are 7.72% per annum in rubles, 2.06% in US dollars and 1.12% in euros.
Social Contribution
The program is valid for children who are left without parental care. It is only possible to conclude a deal directly at Sberbank branches. The contract may be concluded by the official representative of the orphan upon presentation of the custody act.
To understand what income can be obtained under the contract, you can use a special Sberbank calculator. Interest rates are fixed and do not depend on the amount of the contract. The minimum deposit amount is 1 ruble. The rate for this program is 7.77% per annum. The deposit can be replenished and withdrawn without restrictions if necessary. The child will be able to manage money only upon reaching adulthood. Up to this point, all operations are performed by an official representative.
Deposits for settlements
There are programs at Sberbank that do not allow you to earn good income, but make it possible to conveniently manage your own funds. The “On Demand” program is very popular. The contract is drawn up indefinitely. The minimum amount of minimum balance is 10 rubles. But the amount of replenishment is not limited. The client can use the account at any convenient time. To do this, he is additionally issued a plastic card. You can withdraw money without a commission at any ATM of Sberbank. The deposit rate is 0.01% per annum.
Similar conditions are presented by the agreement on the deposit "Universal". The only difference is that the contract can be concluded for a maximum of 5 years. In addition, it is possible to open an account in dollars and euros. As in the previous case, the annual rate is 0.01%.
Deposit Insurance Agency Payments
It inspires confidence among Sberbank customers. Mortgages, interest rates on deposits, a variety of loan programs are just a small list of the advantages of a financial institution. Investors trust the bank primarily because it cooperates with the Deposit Insurance Agency. Insurance indemnity is paid in case of force majeure circumstances. Therefore, customers can be sure that the savings will be saved.
Participants in the insurance system are financial institutions such as Sberinvestbank CJSC, Sofrino Commercial Bank, BRR Bank, Vitas Bank LLC, Setevoy Neft Neft Bank JSB, Eurosib Bank OJSC and many others.
Summing up, we can say that Sberbank can become a reliable partner for both individuals and legal entities. And in order to avoid negative moments, it is worthwhile to carefully study the terms of the contract before you put your signature.