Sberbank: deposits. Pension contribution on favorable terms

Sberbank of Russia is one of the most stable credit and financial institutions in the country. This is also confirmed by statistics: about 50% of depositors chose this particular bank for the storage and accumulation of their funds. The deposit policy here is based on three products: “Save”, “Manage” and “Replenish”. There is a pension contribution from Sberbank of Russia, as well as short-term deposit programs for the elderly.

List of deposits

Each banking product is focused on a specific circle of customers, which allows you to choose for yourself the most favorable and convenient conditions. The deposit programs available to individuals at Sberbank, we consider in the table.

It is easy to see that the percentage fee for storing funds varies greatly even within the same deposit program. The bank announces the exact annual figures by assessing the amount of the contribution and the period of use. The table shows the standard offers of Sberbank PJSC. Deposits "Pension contribution" and other programs for the elderly will be discussed later in the article.

Deposits for retirees

Older people can open a deposit in Sberbank on favorable terms. The organization offers pensioners high rates on regular programs for individuals and the specialized product “Pension +”. Moreover, the accrued annual - fixed and do not depend on the amount of the contribution.

It is convenient to open a pension account with Sberbank because the organization cooperates with the RF PF. Having specified the details, you can receive and withdraw government payments on a monthly basis. In this case, the deposit is replenished. The withdrawal amount is not limited: a pensioner can use both part of the funds and all the money that Sberbank stores on his account. Deposits (including pension contributions) also make it possible to make utility payments from savings.

The bank offers 5 deposit programs for seniors:

• “Save”;
• "Replenish";
• “Save Online”;
• "Replenish Online";
• "Pension +".

Additionally, with the opening of the deposit, a testamentary authorization can be issued for the use of funds in a savings account in the event of the death of the owner.

“Save” deposit for pensioners

The “Save” program is one of the best systems for receiving the maximum deposit income offered by Sberbank. The contribution is pension and gives more benefits to older people on this deposit than to individuals of working age. After depositing funds, interest will be charged monthly. They can be used (withdrawn, transferred to a card account) or left to increase the deposit amount, which contributes to the growth of the depositor's income.

The interest rate in rubles is from 5.65 to 6.91%, depending on the term of the deposit, which is from 3 months to 3 years. At the same time, the deposit amount does not affect the amount of the annual remuneration - the maximum percentage for the selected period is set for pensioners. The minimum contribution is 1000 rubles. to a deposit account in Sberbank PJSC.

Deposits: “Replenish” pension contribution

If the previous banking product is beneficial for those who want to save and increase a certain amount, then the “Replenish” deposit will appeal to pensioners who regularly save money. The contribution can be increased - deposit cash (from 1000 rubles) or transfer it in an unlimited amount by non-cash method.

The annual deposit rate depends only on the period of storage of funds and ranges from 6.18 to 6.59%. The minimum contribution amount is 1000 rubles. A pensioner can open a deposit for a period of 3 months to 3 years. Interest will be accrued monthly. They can be withdrawn or transferred to a card account or left to increase the deposit amount and, accordingly, the income of a client of Sberbank PJSC. The pension contribution under the “Replenish” program is convenient in that it provides the opportunity to add funds to a savings account.

Online deposits

“Save” and “Replenish” deposits can be opened without leaving your home. To do this, you must be a client of the bank and have access to the Sberbank Online service, which is set up at the offices after receiving a plastic card. If a pensioner knows how to use the Internet and the mentioned service, then opening a deposit will be not only more convenient, but also beneficial. The interest rate here is slightly higher - from 6.05 to 7.28 for the “Save Online” program and from 6.59 to 7 for the “Replenish Online” deposit. As for the remaining conditions, they remain the same for deposits of the same name, which are drawn up at the offices.

How to open a savings account without leaving home? To do this, open the site online.sberbank.ru, enter your username and password. The user’s personal account will load. Next, select the “Deposits and Accounts” section and click on the link “Open Deposit”. By clicking on it, you can familiarize yourself with the conditions for opening a deposit in detail. The user will see a page with a list of PJSC "Sberbank" - "Deposits". The retirement deposit “Keep Online” or “Replenish Online” is at the top of the list. Having chosen the program, you will need to fill out the form, indicating the deposit period up to each day, the amount of the deposit and the account from which the money is transferred.

"Pension +"

This is a unique deposit program that allows you to use funds in your bank account and accumulate income in the form of interest on the remaining money. The Pension Plus deposit of Sberbank of Russia is used to receive government payments. The contribution can be increased or withdrawn funds an unlimited number of times. The main thing is that the account balance should not be less than the minimum balance equal to 1 RUB.

The deposit is replenished by transferring payments from a state or private pension fund. The account holder is free to use the money. Moreover, remuneration in the amount of 3.67% per annum is accrued on the balance of funds on a quarterly basis. Received income can be withdrawn or capitalized.

Comparative characteristics of pension deposits

For the elderly, Sberbank offers several types of deposits, opening which, you can not only save your money, but also increase them. To make it easier to understand the difference between deposits, consider their brief description in the table.

Each of the deposits for the elderly offers the highest annual rates, regardless of the amount of the contribution. The interest contribution in Sberbank is different: the “Save Online” and “Save” programs will bring the largest income. However, withdrawals, as well as account replenishment, are not possible for these products.

Benefits of Retirement Deposits

Why are Sberbank deposit programs particularly popular among the country's population? This organization is rightly considered one of the most reliable. Sberbank operates longer than all known Russian banks, which undoubtedly inspires confidence.

What else besides the human factor is beneficial in deposits for the elderly? So, the following benefits have a pension contribution:

• the rate Sberbank offers to customers after 60 years is quite high and does not depend on the deposit amount;
• automatic extension of the term of the deposit account agreement;
• interest remuneration can be used or capitalized;
• the right to issue a will for deposit funds;
• the possibility of early receipt of money with a partial loss of remuneration.

Deposits for the elderly are convenient for storing savings, their partial use and receiving a pension. The conditions for keeping a deposit account are simple and understandable, and you can manage the funds stored on it without the participation of bank employees.