Sberbank often offers its depositors seasonal deposit projects. So this year, the “Happy Interest” contribution appeared. Sberbank, reviews of which are basically only positive, each time offers depositors increasingly favorable conditions and opens deposits for every taste and budget.
Features
Time passes, but Sberbank of Russia still offers the most profitable deposits. The “Happy Interest” deposit can be issued for six months or for 9 months. A deposit is opened exclusively in national currency, and the minimum deposit should be at least 100 thousand rubles. Of course, not everyone has such an amount, but the percentage on the deposit is very good - up to 10%.
The deposit does not provide for either replenishment or partial withdrawal, which justifies a high rate. But it is possible to extend the contract at the end of the period stipulated by the contract on the same terms that Sberbank offers. Individuals' deposits “Happy Interest” provide for the opening of savings books that are used to by older people. The term for opening a deposit is limited, so those who wish should hurry up.
Interest rates
Consider what interest on the deposit offers Sberbank. The rate on the “Happy Interest” deposit will depend directly on the amount of the deposit and the term for which it is opened.
Dividends are accrued at the end of the term. There is no capitalization, but with such interest rates and short maturities, it is not relevant. Accrued profit can be withdrawn by the depositor or transferred to the specified current account. If an individual wants to close the deposit ahead of schedule, the accrued dividends for the actual term will be calculated at the rate of “demand”.
The timing | Amount (RUB) | Interest Rates% |
6 months | from 100 to 500 thousand | 9.8 |
from 500 thousand | 10.0 |
9 months | from 100 to 500 thousand | 9.9 |
from 500 thousand | 10.1 |
Documents and deposit opening
In order for Sberbank of Russia to open a “Happy Interest” deposit, you must provide the following package of documents:
- passport of the Russian Federation;
- application for opening a deposit;
- Taxpayer Identification Number
- for individuals who are not residents of the Russian Federation, it is necessary to submit a document confirming the legal origin of the invested funds.
At its discretion, the bank may request additional documents. If all conditions of the deposit are satisfied, then there are several options for opening the “Happy Interest” deposit. Sberbank, reviews of which speak of its good reputation, offers to either visit any convenient office or use the Sberbank-online service.
To open a deposit in the bank office, you need:
- Choose any convenient office.
- Ask the manager to familiarize himself with the rest of the proposals, as well as tell in more detail about the “Happy Interest” service (sometimes not all information may be posted on the Internet, even on official websites).
- If everything is clear in the conditions of registration of the deposit, and there are no additional questions, you can submit documents for registration.
- Provide a passport and other identification documents (at the request of the bank).
- Write an application for opening a deposit.
- Read the terms of the contract and sign it.
- Deposit money.
- Wait for profit.
If the depositor has any Sberbank card, then you can try to remotely open the “Happy Interest” deposit. Sberbank, reviews of which is better to read before the transaction, offers to use Sberbank online banking online. There is nothing complicated, just follow the prompts of the service itself. Just go to the “Deposits and Accounts” tab and, after a few clicks of the buttons, deposit the required amount into the account.
Insurance
Sberbank, like any other financial institution, has a deposit insurance system . Thanks to it, the bank can reimburse the entire amount on deposit in case of force majeure circumstances. According to the rules, a financial institution cannot pay more than 700 thousand rubles at a time. But those investors who have more than this amount on deposits should not worry. Just cash paid in installments.
Thanks to the deposit insurance service, you can also insure the “Happy Interest” deposit (Sberbank). You can read reviews about this deposit on the official website of the bank, as well as on third-party resources. Most interestingly, there is no need to pay for deposit insurance. The bank itself pays for this service. In case of bankruptcy, withdrawal of a license or moratorium on further work, the organization must pay up to 100% of the invested funds. In addition, this and other Sberbank deposits can be inherited.
In essence, deposits are one of the components of the existence of banks. The money that depositors leave in the bank, the financial organization puts into circulation. Accordingly, interest is paid for this. And the higher the deposit amount, the higher the interest rate on the deposit. That is why Sberbank and other banks care about the security of deposits.
Reviews
According to Sberbank depositors, the “Happy Interest” deposit turned out to be very profitable and profitable. Despite the fact that the minimum deposit is 100 thousand rubles (not everyone has such an amount, especially for a deposit), many decided to open a deposit with such conditions. If you look objectively, a decent contribution and a decent percentage will be charged. Thanks to the emergence of such a contribution, the bank's customers note that their money brings real income. In addition, you do not need to worry about the safety of your savings, because Sberbank has already thought about everything.