How to put money at interest in Sberbank? In this article we will talk about what programs are currently offered by this organization, on what terms and at what rates.
Many are interested in what percentage you can put money in Sberbank.
Each program is calculated on a certain circle of clients, allowing the person to choose for himself the most acceptable options. The most popular among individuals in 2018 are deposits called “Save”, “Manage”, “Multicurrency”, as well as “Give Life” and a number of others.
You can put money at interest in Sberbank for a year, or you can for a shorter period.
As for the size of accrued interest, this financial institution, as a rule, determines them based on characteristics such as the amount of a cash deposit, currency, and term of a deposit. The fact that the depositor is a pensioner also plays a huge role (there are special programs for them).
The most beneficial will be deposits for three years or more. In this case, investors have the opportunity to take a chance at calculating the maximum interest rate.
How to put money at interest at Sberbank, it is important to find out in advance.
Sberbank deposits: what are the features, interest rates and conditions?
So, in the event that a person wants to put his money in the bank into the account at interest, then he will need to draw up a deposit (that is, a deposit). To date, there are more than ten different options at Sberbank, and we will further consider those that are the most popular this year. So, here are the programs that are often issued in the departments.
“Save”
The first one is called Save. Such a deposit is calculated on a wide layer of the population, it can be opened in rubles, euros, the minimum amount is one thousand or one hundred monetary units, respectively. This service is not rechargeable, there is no possibility of partial withdrawal, you can open an account for a period of one month to three years. As part of registration with the bank, the rate, as a rule, ranges from 3.80 to 4.5 percent, and through the network - from 3.80 to 4.45. The dollar rate is in the range up to 1.06. Everyone should know how to put money at interest at Sberbank.
Deposit "Replenish"
The next option is “Replenish”, which is a similar product without the functions of partial withdrawal of funds from the account, but with the ability to make additional contributions (from one thousand rubles). The deposit is opened for a period of three to thirty-six months. When issuing an account in branches, the rate will be in the range from 3.60 to 4.05 percent, and online, respectively, from 3.45 to 4.10.
“Manage”
“Manage” is an offer that has much more possibilities, that is, the depositor may deposit additional amounts and withdraw part of the funds from the account to the lowest values. In this type of service, the minimum contribution is thirty thousand rubles. The profitability of the ruble product, which was issued at the department, will be from 2.9 to 3.75 percent, and when concluding an agreement within the framework of remote access from 2.75 to 3.80. Still how to put money at interest in Sberbank?
"Gift a life"
“Give life” is a deposit combining elements to increase money and charity. Every three months they will debit money calculated from the calculation of 0.3 percent per annum of the amount of the contribution, they will be transferred to a fund called Give Life to help children with serious illnesses. You can open this product even with a contribution of ten thousand rubles per year at fixed interest rates of 4.10. The possibility of replenishment, as well as partial withdrawal, is absent.
What other programs does Sberbank provide to its customers?
In addition to the options listed, this financial institution offers its investors the following products:
- “Social” is a specialized product for children without parents. The deposit is opened exclusively at Sberbank in the name of the orphan by his legal representative. The minimum amount in this case is one ruble, the validity period of the agreement is three years, a rate of 3.35 percent with capitalization works. As part of this deposit, you can replenish and withdraw cash to the minimum amount. In this case, automatic prolongation until the child reaches the age of eighteen is valid.
- A “savings account” is a tool whose funds can be freely disposed of, namely to replenish, withdraw or transfer. It is opened at any amount of the down payment, you can receive from 0.5 to 1.8 percent in rubles or up to 0.4% in the form of foreign currency. Everyone wants to put money in Sberbank at a high percentage. Is it possible?
- The “Record” deposit is a promotional offer. For registration, an amount of ten thousand rubles is required, the validity period of the agreement is seven, twelve, or eighteen months. Interest ranges from 6.5 to 7.15 per year. Registration can be done at the office, ATM, and also through the Internet.
- And finally, “Green Light” is an offer for those who wish to invest a small amount on deposit with maximum benefit. In this case, accept deposits of fifty thousand for three months. The percentage is 7.5 per annum.
How to open a deposit at interest in Sberbank?
To make a deposit at the bank’s office, a person will need only a passport with a pension certificate if one is available. Citizenship, of course, should be Russian. All that remains is to personally come to the nearest branch of the bank, sign an agreement, open your account and put the minimum amount needed on it.
In the event that a person wants to make a deposit for his relative, acquaintance or close person, he will need a power of attorney, which must be issued and notarized. It is best to take a sample directly at the bank branch in order not to make a mistake with all the required details and wording.
In this case, the client receives a power of attorney in advance, and then comes with it and with a passport to the office, which will already act on behalf of another person. There are no difficulties in this situation, this is a very common form of service. When you want to open a deposit in the name of the child, then only the option of the program called “Replenish” will be available to the client. A person independently addresses the department, contributes the required amount (from one thousand rubles) with the possibility of subsequent replenishment. The donee will be able to dispose of these financial resources only after reaching the age of majority, before that it will be possible to withdraw cash from an open account only with the consent of the guardianship authorities.
Is it possible to put money at interest in Sberbank Online?
Electronic Contributions
In the event that a person acts as an active client of the bank and is connected to the Sberbank Online system, then he can draw up some deposits through the World Wide Web. In this case, the citizen receives higher rates, for example:
- The Save Online deposit provides an income of up to 4.45 percent.
- In turn, "Replenish Online" gives a bet of up to 4.10.
- And “Manage Online” makes a profit of up to 3.80 percent.
If there is a desire to open a deposit remotely, then first you need to have a debit account or card in the bank, on which you need to put the amount with a minimum deposit. After that, the following actions are performed:
- You need to go to your personal account.
- Then choose a section called "Deposits and Accounts".
- Then the item “Opening a deposit”.
- Now you need to study the program, choosing the appropriate option, and click "Continue."
- Then, an application is filled out, where the write-off account, term and amount are indicated.
- Click "Continue", put a tick "I agree with the terms of the deposit" and "Confirm by SMS."
- The deposit will then be opened, if necessary, you can get a written version of the agreement at the bank branch where the person is served.
Thus, there is nothing complicated in depositing money at interest at Sberbank. All that is required is to choose a program and personally arrange it in the department or through the online system.
Who benefits from putting money at interest in Sberbank?
Are there special financial programs for retirees?
Note that no special offers are provided for this category of investors. True, there is a significant bonus for them, since pensioners at Sberbank receive the maximum rate on “Manage” and “Save” deposits within the chosen terms, regardless of the amount.
How else can I put money at interest to Sberbank to pensioners?
In addition, they can draw up a card called “Active Age” in order to receive a pension through Sberbank. One of the advantages of such a product is the fact that a citizen will be able to receive the rest of the money that is on plastic and an income of 3.5 percent. Against this background, money with accrued interest can be withdrawn, replenishment is allowed, and all this happens without any restrictions.
Conclusion
We examined at what percentage you can put money in Sberbank. Today it offers its investors a ton of opportunities for every taste. All that remains for customers is to make their choice and stay on the most suitable product for themselves.