In the article, we consider deposits for individuals at Sberbank.
Sberbank of Russia, a wide product line of which contains several deposit options for individuals, offers to profitably place funds using one of the programs. When investing savings of up to 1.4 million rubles. a full money back guarantee is provided, since the bank is included in the list of participants in the mandatory deposit insurance system.
This financial institution is today the leader in the number of deposits that are open to the population, largely due to trust, habits and support from the state. Many commercial banks offer higher interest rates. However, despite this, more and more customers trust Sberbank. Consider it the most reliable, offering interesting products.
Deposits with Sberbank come in several varieties and may differ in the term for which the agreement is concluded, the conditions for replenishing deposit accounts and closing accounts. In addition, for its regular pensioners, the organization regularly expands the number of offers - deposits are opened for them on favorable terms with more favorable interest rates.
Naturally, the main advantage is the presence of branches throughout the country, and all necessary financial transactions with the bank can be carried out in any settlement where there are no branches of many commercial banks.
There are such deposits in Sberbank that can be replenished by non-cash method, in this case, funds are transferred directly to the account - for the payment of salaries and pensions it is quite convenient. Below is an overview of the best deals.
“Save”
This contribution is characterized by high interest rates. Here they accept deposits in US dollars, euros and rubles. The minimum deposit amount is 300 euros or US dollars and 1000 rubles. Full or partial withdrawal of the deposit is not provided. Interest is accrued at the end of the initial period, but in some cases this can happen monthly, from the moment the deposit is opened. Here the choice is given to the client himself. Depending on the investment term and the amount of down payments, the annual rate can be up to 5.15%. The term of the deposit is from one month to three years. Many customers find such a deposit at Sberbank very profitable.
Contribution “Manage”
This deposit is characterized in that it can be constantly replenished and partially withdraw funds to the level of the minimum balance. Deposits are accepted in euros, rubles and US dollars. Accordingly, the minimum investment amount will be one that directly depends on the currency, and in rubles it is 30,000, in dollars and euros - 1,000. Depending on the minimum balance and the term, the interest rate on the deposit of Sberbank can be up to 4.4%. The term of the deposit is from 3 months to 3 years. Interest is accrued both at the end of this period and at the end of each of the three-month periods.
What other deposits for individuals in Sberbank are available?
"Replenish"
This deposit provides for an increase in interest rates and suggests the possibility of replenishment. Deposits are accepted in euros, rubles and dollars - the minimum rate in this case is 300 in dollars and euros and 1000 in rubles. Partial withdrawals are not possible here. Depending on the term of investment and the level of down payment, interest rates can reach up to 4.7%. A deposit can be issued for a period of 3 months to 3 years. Interest is accrued at the end of the main term or monthly.
Contribution "Record"
Funds for such a deposit with Sberbank are accepted only in rubles. The initial payment (minimum) is 50,000 rubles. Depending on the term of the agreement, the interest rate on a deposit in Sberbank is 6.50-7.15%. In this case, a partial withdrawal is not provided, just as there is no way to replenish the main cash amount. The term for which this deposit can be opened is from 7 months to 1.5 years. Interest amounts are accrued after the expiration of the deposit.
What deposits in rubles at Sberbank exist is interesting to many.
Social Contribution
This deposit is intended for children without parental care and veterans / invalids of the Second World War. A deposit can be opened exclusively in Russian currency, the minimum down payment is a cash amount of 1 ruble. The maximum deposit term is three years.
The interest rate on this deposit at Sberbank can reach up to 4.25%.
To draw up a deposit in the name of an orphan, its legal representative must present an act of the guardianship and trusteeship authority. If the deposit is opened by a veteran / disabled person of the Second World War, a certificate of a veteran of the Great Patriotic War / certificate of a disabled person of the Great Patriotic War will be required. Deposit replenished, with partial withdrawal. Interest is accrued quarterly. They are added to the amount of the contribution. The calculated interest can be withdrawn.
Very often they want to open a deposit for a year at Sberbank. What could be the contribution?
"Gift a life"
If the client decides to invest his money in this deposit, he automatically becomes a participant in a charity event called “Give Life”. The minimum level of such an investment is 10,000 rubles. The term of the agreement is 1 year. Interest is accrued both at the end of the term and every three months. Interest rates - within 5.05% per annum. Replenishment and partial withdrawal of financial resources in this deposit is not provided.
The specificity of such a program is that part of the interest (approximately 0.3%) is credited to the account of the Give Life program. The deposit is suitable for people who would like some of their income to go to help others.
Demand Deposit
This contribution allows you to make a variety of expenditure operations. You can credit money to your bank account in euros, rubles, US dollars and other currencies. The investment period has no limits. In this case, the interest rate is 0.01%. It is allowed to withdraw funds partially and replenish the account. Interest is accrued quarterly and upon closing the deposit.
Universal deposit
This deposit of Sberbank of Russia is characterized by the ability to conduct various cash transactions on the account and a long term. The deposit is accepted in euros, dollars, Japanese yens, rubles, Singaporean, Australian, Canadian dollars, Swedish and Norwegian kroner and other currencies. The deposit agreement is concluded for 5 years. Interest is accrued upon maturity and quarterly. Interest rate - 0.01%. You can withdraw money in installments and replenish your current account at any time.
Although interest rates on these deposits are not very high, Sberbank is reliable. This property usually attracts many investors. Nevertheless, do not forget that this financial institution has alternatives that often offer higher interest rates.
What are Sberbank deposits for retirees intended?
Pension Plus contribution
This is a deposit for individuals to receive income from retirement benefits. It is intended for people who receive a pension, departments and ministries that provide pensions, as well as from non-state pension funds. It is possible to replenish the account and withdraw money without loss of interest; some preferential conditions are provided for early termination of the deposit agreement. The only minus of the Sberbank deposit for pensioners is a low interest rate, which is only 3.5% per annum. Such a contribution is opened for three years, interest is accrued quarterly. The capitalization of the deposit is provided, that is, interest is added to the main amount, increasing income in the following periods.
Who can open a deposit?
The conclusion of an agreement on opening a deposit account is a fairly simple procedure, and it does not take much time. All that is needed is a certain list of documents and a minimum amount of money.
Any person after 18 years can open a deposit at Sberbank of Russia. The opening procedure involves several steps:
- notification of the employee about the intention to make a deposit;
- The employee introduces the client with additional information;
- entering customer data into the information database, listing of all necessary papers;
- familiarization with the contract, signing it.
Documents required to open a deposit
The following documents are required:
- passport;
- TIN;
- a military ID (if necessary) or a pension certificate (if the pensioner makes a deposit);
- migration card (for those who are not citizens of Russia).
Opening a deposit does not take much time.