Sberbank regularly replenishes the line of investment products. This also applies to term deposits of individuals. Consider their most relevant types to date. By the way, this financial service is popular with the bank's customers, which indicates its winning marketing strategy: it regularly produces high-yield financial products designed for different categories of citizens.
Concept and criteria of contribution
What are the most profitable deposits at Sberbank of Russia? Next, we consider the types of deposits, interest and define the very concept of contribution.
For starters, what is a “term deposit”? The name itself implies that this financial instrument has a certain shelf life - several months or years. It is stored in the bank in the amount of the amount of money deposited in the account and is returned to the owner along with the accrued interest. There are three main criteria by which contributions of this type are divided:
- there is the possibility of replenishment and partial withdrawal;
- without the possibility of replenishment and withdrawal;
- only with the possibility of replenishment.
Do not forget that no matter what type of product you are considering, you should always conclude a term deposit agreement.
Let's consider each in more detail. Which one to choose is up to you.
These are three types of term deposits of Sberbank of Russia, aimed at the needs of various categories of citizens. The amount of interest accrued on the deposit varies depending on the amount of the deposit, the chosen currency and the term.
Save Deposit
It is sent for storage of a monetary amount on a deposit in order to generate income. Its term is from one month to 3 years (for deposits opened in euros - from one to 3 years). There is a choice: to store finances in rubles or foreign currency. During the storage period, the deposit cannot be replenished or withdrawn from the account. The smallest amount is one thousand rubles, 100 US dollars or euros. The interest rate varies based on the term and amount of the deposit, the interest on the term deposit at Sberbank of Russia is regularly charged to the account in accordance with the conditions.
Interest Rates:
- from 3.8 to 5% in rubles .;
- from 0.05 to 1.15% in US dollars;
- 0.01% in euros.
If you place a deposit for a maximum period, then the income, respectively, will be greater.
Deposit "Replenish"
This product is aimed at those who expect to save money for accumulation on a regular basis. Its key distinguishing feature: if you can replenish your account, you can not partially withdraw any amount. A deposit is opened for a period of 3 months to 3 years in Russian currency (for deposits that are open in foreign currency - from a year to 3). Interest rates are as follows:
- from 3.7 to 4.5% in rubles .;
- from 0.05 to 0.95% in US dollars;
- from 0.01% in euros.
The lower threshold of the deposit amount is one thousand rubles. or 100 euros or US dollars.
Contribution "Manage"
“Manage” is an urgent deposit of Sberbank of Russia for those who want to keep money in an account, receive profit from it, but at the same time be able to partially withdraw funds. In this case, the lower deposit amount (it is the minimum initial contribution) should not fall below thirty thousand Russian rubles. or 1 thousand US dollars or euros. Thus, the “Manage” product allows both replenishment and partial withdrawal of funds from the deposit. Duration: from three months to 3 years (in euros - from a year to 3 years).
Conditions:
- from 3 to 4.2% in Russian rubles;
- from 0.01 to 0.6% in dollars;
- 0.01% in euros.
For more information, contact any department. Addresses of Sberbank of Russia in your city can be found on the official website.
The main office is located in Moscow, on the street. Vavilova 19.
Online deposits are a relatively young Sberbank product. To open these deposits, just go to your personal account and select the one you need. They are characterized by higher interest rates.
Save Online
“Save Online” is suitable for those who are going to keep money for a certain period of time and receive income from it. To open it, you need to go to the bank’s website in your personal account from a computer or through a mobile application. The minimum amount is 1 thousand rubles, 100 euros or US dollars. A deposit is opened in rubles or foreign currency for a period starting from one month to three years. Accrued interest may be withdrawn or transferred to another account.
This time deposit at Sberbank of Russia for pensioners provides special conditions: an increased interest rate. People who have reached the age of 60 are offered the maximum rate. Investors of pre-retirement age are automatically transferred to higher interest rates even before they receive a pensioner certificate in their hands.
The interest rates for this deposit are as follows:
- from 4.05 to 5.5% in rubles .;
- from 0.10 to 1.35% in US dollars;
- from 0.01% in euros.
In case of early repayment of the deposit, you will receive the entire invested amount plus accrued interest. If the deposit was opened for a period of six months, then interest is calculated based on the rate of 0.01. If more, the period of demand for funds will be taken into account. To find out the details, we recommend that you use the deposit calculator on the Sberbank website.
"Recharge Online"
Designed for regular replenishment of an account opened for a predetermined period: from 3 months to 3 years. There is no opportunity to partially withdraw funds. Lower opening threshold: one thousand rubles, 100 dollars or euros. As in the previous deposit, interest can be managed without waiting for the deadline - for example, remove them or transfer to another account. Interest Rates:
- from 3.95 to 5% in rubles .;
- from 0.25 to 1.15% in dollars;
- from 0.01% in euros.
The term of the deposit is automatically extended. Early repayment conditions are the same as with the Save Online package. Sberbank sets the maximum deposit amount, and if it is exceeded, then the annual interest is calculated from one second deposit rate. It is worth remembering that the rate drops automatically if the deposit amount is greater than the maximum.
However, these restrictions do not apply to senior citizens. Moreover, they are offered higher interest rates and other advantageous special offers.
"Manage Online"
Allows the depositor to use part of the cash from the deposit without prejudice to accrued interest. The deposit period is from 3 months to 3 years, the minimum amount is 30 thousand rubles or 1000 euros or US dollars. If the replenishment takes place online, then the amount of the contribution is not limited, if in cash, then the maximum contribution is one thousand rubles or 100 dollars (euros).
If you withdraw part of the money, then in order to maintain interest conditions it is necessary to leave a non-combustible amount equal to the initial deposit. The conditions are as follows:
- from 3.25 to 4.7% in rubles .;
- from 0.15 to 0.8% in dollars;
- 0.01% in euros.
This package provides for the possibility of increasing the interest rate. If the deposit amount is increased to the value set by Sberbank, you can conclude a new agreement in which the accrued interest and the “fireproof” balance increase. As for prolongation or early termination, their conditions are similar to the two previous products of the Online line.
Social Contribution
This time deposit of Sberbank of Russia is addressed to the needs of children who, for one reason or another, have been deprived of parental care. You can open it only at a branch of Sberbank and issue it in the name of the child. For this, the investor is going to collect a package of documents, including the act of the guardianship authority on transferring to an social institution or adoption of an orphan.
The term of this deposit is 3 years; you can replenish it in any size and in any convenient way. The minimum initial amount is 1 ruble. Partial withdrawal is possible, the main thing is not to touch the minimum balance. The annual percentage is 4.06. Interest is accrued quarterly.
This is specified in the term deposit agreement.
“Give life” - investment assistance
Deductions from the “Give Life” contribution go to help seriously ill children. Namely, 0.3 percent per annum of the total amount of funds is credited to the account of the charity foundation for helping children who suffer from hematological and other severe pathologies, “Give Life”. The conditions of the deposit are as follows: term - one year, without the ability to replenish or withdraw funds; amount - at least 10 thousand rubles., income - 5% per annum. Interest is accrued every 3 months. In case of early repayment, they are recalculated as follows: if an unexpected withdrawal occurred within the first six months, the rate will be 0.01%, if after, it will be two-thirds of the rate that was set on the day the deposit was opened or extended. The prolongation itself takes place automatically on the general conditions of this package.
Just 7 percent contribution
This term deposit of Sberbank of Russia is one of the latest investment products of Sberbank. Its conditions are convenient for those who wish for a short period (5 months) to receive income from a certain amount of money. The minimum threshold is 100 thousand rubles, and the annual rate is indicated in the name of the deposit itself - 7 percent. It is important to know that this rate is valid only when opening a deposit not at the branch. It is better to use an Internet bank, ATM or mobile application. When opening a branch, a different rate is proposed: 6.5 percent. The replenishment or partial withdrawal of the conditions is not provided. The possibility of prolongation should be remembered that in her case the rate will be different.
For more information, contact any branch of a financial institution. Address of Sberbank of Russia in St. Petersburg: st. Red Textiles, d. 2.