Sberbank currency contribution for individuals

Sberbank of Russia offers individuals an impressive amount of deposit programs. You can open an account both in rubles and in foreign currency. Most of the deposits are designed for euros or US dollars, but it is possible to keep less common banknotes - francs, yen and pounds sterling. In the article, we consider the conditions that Sberbank puts forward for deposit programs. Currency deposits, despite a reduced percentage of remuneration, remain popular among the population.

Types of deposits

Sberbank always offers its current and potential customers a wide range of deposits with different conditions. This allows you to open a deposit account for different segments of the population, choosing for yourself the most acceptable program. All existing foreign currency deposits can be divided into three groups:

1. Urgent - differ in the duration of the transaction. The deposit opens for a short period (from 3 months).
2. Long-term - imply the conclusion of a contract for a long period. The capital is placed up to 3 years, after which a deposit can be extended.
3. Online To open them, you do not need to visit the bank, just go to the online office via the Internet and send an application for opening a deposit.

Each of the programs has a number of advantages and disadvantages for a particular client. To place capital with the greatest benefit, you should clearly define the goals and the desired result.

Opening a deposit account

Being interested in placing funds for storage in foreign monetary units, a potential client is looking for information about the procedure for concluding a contract. What actions must be taken to open a foreign currency deposit? Sberbank requires a minimum of documents and time: you only need a passport or a replacement document. The procedure will take no more than an hour. In this case, an agreement will be signed to open a deposit of interest and a minimum amount will be paid to the account.

A bank client can open a foreign currency deposit even faster and easier. Sberbank offers an online service with the help of which many banking services are carried out. Holders of debit and credit cards, accounts have access to it. To send an application you will need:

• log in to the Sberbank Online system;
• select the “Deposits” section;
• Click on the desired deposit program;
• fill out the form, indicating the amount of deposit, the duration of the contract and the details of the account from which the funds will be transferred;
• double-check the entered data and confirm the application using SMS.

The progress status can be controlled through your personal account After completion of registration, the client is entitled to perform any actions provided for by the current deposit program.

Features and Benefits

The foreign currency deposit at Sberbank for individuals is modern, profitable and convenient. By placing money in a deposit account, the client gets the opportunity not only to save it, but also to win on interest and exchange rate fluctuations. Some programs include replenishment and / or partial withdrawal of funds.

A foreign currency deposit opens up the following possibilities for its owner:

• receiving money transfers in foreign signs;
• money conversion;
• transfers to other countries;
• payment for services;
• cash withdrawal;
• capitalization of interest.

It is convenient to make any deposit actions using online services. It is also envisaged to automatically renew the contract on the same conditions.

Overview of currency deposit products

For 2016, there are 9 programs that allow you to accumulate funds in the account of Sberbank PJSC. Foreign currency deposits are opened on different conditions, but their term is approximately the same - from 3 months to 3 years. There are also term deposits with a minimum validity period of 30 days. Interest rates increase with an increase in the amount and term of the deposit, but the greatest benefit can be obtained through the “Save” program.

Consider in the table a brief description of deposits offered by Sberbank of Russia PJSC:

The reward is higher on those programs where the withdrawal and replenishment functions are not provided. The more opportunities a client has to manage their capital, the lower the percentage.

Term deposits “Save” and “International”

The contract for these programs is valid from 1 month without the possibility of replenishment or withdrawal. The contribution will be useful to those customers who are going to save and increase a certain amount of funds.

Although deposits are available for opening for a minimum period, the interest rate will be low (0.01%). For any currency deposit of Sberbank, the rule is typical: the longer the deposit period, the greater the reward. For example, under the “Save” program, the maximum percentage will be for a transaction duration of 1-3 years:

• in dollars - 1.35;
• in euros - 0.3.

For the “Save Online @ yn” deposit, the rate is slightly higher: 1.6% and 0.4%, respectively. The remaining conditions coincide with the contribution of the same name.

The “International” contribution is similar in terms of the “Save” program. Only the currency and interest rates are different here:

• in pounds from 0.05% to 1.75%;
• in yens from 0.01% to 0.55%;
• in Swiss francs - 0.01% regardless of the term and amount.

A feature of the deposit is the method of calculating remuneration - at the end of the term.

“Replenish” and “Manage”

These programs have more convenient conditions for those who are used to systematically save money. A deposit account is opened for a period of 3 months to 3 years. The maximum interest rates on foreign currency deposits of Sberbank in dollars and euros, respectively, are:

• “Replenish” - 1.1% and 0.2%.
• “Replenish Online @ yn” - 1.3% and 0.3%.
• “Manage” - 0.85% and 0.05%.
• “Manage Onl @ yn” - 1.1% and 0.1%.

Capitalization of interest and payment of income to a separate account are provided. Deposits are convenient in that the account can be replenished (in cash from $ 100 / Euro, non-cash - unlimited). And the “Manage” program allows you to partially withdraw funds without closing an account.

“Multicurrency” and “Savings Account” deposit rates

Both programs are unique and interesting in their own way. For example, the “Multicurrency” deposit is opened immediately in three monetary units: rubles, euros and dollars. Moreover, the minimum contribution is only 5 characters of each currency. The contract is valid from one to two with the possibility of automatic renewal. Account replenishment is provided: non-cash unlimited, and when depositing cash - from 100 euros / dollars and 1000 rubles.

The main purpose of the contribution is to receive income from currency fluctuations. The client has the ability to convert funds an unlimited number of times at his discretion. The remuneration is transferred every 3 months to an additional account opened with PJSC Sberbank. The foreign currency contribution in dollars brings from 0.01% to 0.9% per annum. In euro, the rates are more modest - 0.01-0.05%.

The Savings Account product was created for the free management of funds. There are no restrictions on the validity period, nor on the amount of contributions, deposits and withdrawals. Additionally, the client receives from 0.01% to 0.1% per month from the amount of the balance of funds in the account.

other information

Deposit holders are also interested in the taxation issue. Will I have to additionally transfer funds to the Federal Tax Service, having a deposit in Sberbank PJSC? A foreign currency deposit in dollars, euros or in other banknotes is taxable only at a rate of interest of 9% or more. There are no similar values ​​in any of the programs considered. This means that the owner of the deposit does not fall under the terms of taxation.

The client also has the right to prematurely close the currency deposit. Sberbank does not impose fines or commissions on this procedure. The account holder freely withdraws the entire deposit amount and receives interest (usually the minimum).

Sberbank offers many interesting programs for those who want to save and increase their funds. Foreign currency deposits allow not only to receive interest on a monthly basis, but also win on the fluctuation of the exchange rate. Properly investing, you can make good money. The main thing is to carefully read all the conditions and choose the most suitable currency deposit for yourself. Sberbank will do the rest.