Many people who want to save their money realize that bank deposits are a reliable option. This is because they are safe there. In addition, it is possible to get some profit at the interest rate of the selected deposit. Deposits in Sberbank at interest are very popular.
Why do many people make such a choice?
It is known that people prefer this particular financial institution. This bank has an excellent reputation, it accounts for 50% of all investments of individuals in the country. Customers understand that in this case, the state protects the funds, so there is more trust than other banks. What are the interest bearing deposits in Sberbank ? In 2013, this organization offers the following programs:
- Urgent. These are such contributions as “International”, “Replenish”, “Multicurrency”, “Give Life”. There is also “Universal”, “Save”, “Manage” and others. A number of them are intended for senior citizens - for example, “Pension-Plus”, “Replenish Online @ yn-pension”.
- Deposits in Sberbank at interest: “Demand” and “Savings account”.
Each of the programs has its own differences. This applies to interest, type of currency, right to full or partial withdrawal of money, conditions for replenishment of the account.
Currency for deposit
A person has the right to choose any deposit program. Customer funds are his deposits with Sberbank at interest for a certain period of time. The size of the bet is indicated in the contract, it depends on the type of program chosen. You can deposit money in rubles or another currency, such as American dollars or euros. Under some conditions, you can store funds in Swedish kronor, Canadian dollars, even in Japanese yen and so on. However, this applies only to the deposits “Demand” and “Universal”. “Give life” and “Pension-plus” allow you to store only rubles. The interest for this currency is higher, so many prefer domestic rubles.
Basic rates
People often help out cash deposits at interest. Sberbank does not offer the highest rates, but it is reliable. The proposed minimum is 0.1% per year, the maximum is 9.75%.
The interest rate depends on a number of characteristics. Among them are indicators such as the
type of contribution, its term, size. It is more profitable to invest for long periods. Interest is not so attractive, but it is higher than that of other banks (state) and meet the needs of people, guarantee safety. “Onl @ yn-retirement” contribution is distinguished by the highest interest. An interesting program is “Save.” It is suitable for older people and those who need maximum as well as stable income.
This contribution provides good conditions
for senior citizens. Banks consider these customers reliable, they are no longer fired, and the pension is monthly.
If a person is left a little before going on a well-deserved rest, then he will be automatically transferred to better conditions. This contribution, however, does not allow full or partial withdrawal of funds, and it is impossible to deposit money in addition. But interest is paid every month, and this guarantees a stable profit.
Now you know about some of the programs that Sberbank offers. Interest deposits of 2013 may suit many. It is important to find out all the conditions and choose the appropriate option. Thanks to such savings, you can save up for a gift to your family, pay for your studies, wedding, and slightly increase your budget!