In Russia at the beginning of September of this year, there are more than 850 banks. Among the many financial institutions stands Sberbank of Russia - one of the oldest and most respected banks. The share of its assets in the total banking "piggy bank" is almost a third. The reputation of an extremely reliable partner attracts depositors to take advantage of deposit offers of the Savings Bank.
A profitable deposit in Sberbank can become really beneficial for the depositor if it meets the main conditions for the effectiveness of financial investments: monthly interest capitalization and the possibility of replenishment of the deposit. With these parameters, you can make a profit from 4.85% to 7.25% per year on a deposit of the “Replenish” line, depending on the amount of the deposit and the term of placement.
The coming autumn brought a general decrease in interest rates on deposits in all banks. The main bank of the country was no exception. However, a profitable contribution to Sberbank can be obtained by concluding an agreement on a “Savings Certificate”. The peculiarity of this deposit (security) is that it is depersonalized, that is, it can be presented for payment by any person upon presentation of a passport. In addition, the certificate can be used as collateral or guarantee when applying for a loan. Interest rates on it can reach 10% per annum. Moreover, the interest rate depends on the size and term of the deposit. For amounts not exceeding 50,000 rubles, the usual deposit rate “Demand” is applicable.
The widespread adoption of the Internet in people's daily lives has left its mark on relationships with banks. Online banking is beneficial not only in terms of saving time. A profitable deposit at Sberbank is the Online deposit line. When concluding agreements on deposits “Replenish”, “Trust” and “Manage” with the “online” index, the interest rate may increase by 1% to the basic rate of return.
The highest income on these deposits can be obtained by concluding agreements for a maximum period of 3 years. Prior to the expiration of this time, there is the possibility of partial or full withdrawal of accrued interest, although this is not very profitable. In order to maximize the contribution efficiency, it is better to leave interest accruals for capitalization.
Older people, like no one else, value the reliability and reputation of the bank. Sberbank pays them higher interest on deposits. Profitable deposits for pensioners - “Save (pension)”, “Replenish (pension)”. They can be concluded in the amount of 1000 rubles, provide for the capitalization of interest and replenishment of the account. When transferring a pension to the Pension Plus account, a profitable deposit with Sberbank is ensured by an increased rate of return compared to a regular deposit. Pensioners can dispose of their funds at any time, while earning income of 3% per annum.
Interest rates of the Savings Bank do not promise excess profits. Promotional offers from other banks promise much more favorable terms. However, the absolute reliability and security of invested finance is also capital. This is exactly what Sberbank offers its investors. Which contribution is more profitable for a particular investor is up to him. It is important not to miscalculate in the pursuit of fast interest and not to lose your savings.