What is the most profitable deposit at Sberbank? What is the most profitable deposit at Sberbank?

The well-being of Russians is gradually growing. Some may even set aside small amounts for specific needs. It is desirable that these savings bring income. For these purposes, banks have a deposit service. They differ among themselves in terms, amounts, rates, currency and categories of borrowers to which they are oriented. In this article you will find out what is the most profitable deposit at Sberbank.

Organization Details

Sberbank is one of the stable and reliable financial institutions to which the Russians trust their savings. For 2015, the credit institution did not develop new programs. Funds will be raised according to the old. What is the most profitable way to deposit with Sberbank in 2015?

For every taste

Depending on the currency, you can invest in rubles, dollars and euros. For fans of "non-traditional" programs, there is a special deposit "International" with a minimum amount of 10 thousand (in pounds, francs or yen) and an interest rate of up to 4.5%. For those who want to save up money for traveling abroad, there are 7 different options - “Replenish”, “Manage”, “Save” (can be opened in the department or personal account on the website), special offers for pensioners.

What is the most profitable contribution to Sberbank in 2015?

Today, a deposit is a way to save funds from inflation. According to economists, this year it will reach 15%. The rates for the most profitable programs do not exceed 11%. Therefore, if you have a small amount, then it is better to choose a program under which conditions it will be possible to deposit money into the account after signing the documents. Deposits from the “Manage” series are provided for customers who intend to withdraw money during the term of the contract. Interest rates on them are lower than in “Save” and “Replenish”, but this is a fee for the free disposal of funds. The benefit depends on the duration of the deposit. If you open “Replenish Online” for 6 months in the amount of 100 thousand rubles, then at the end of the term the client will receive 10.5% per annum (with capitalization), for 1 year - 10.6%.

Types of Attachments

To understand what the most profitable contribution to Sberbank is for you, you need to answer a few questions:

• Do you plan to replenish your account?
• Will you cash out money?
• How long do you want to put a deposit?
• How much do you have?
• Which currency do you prefer?

Answering these questions, you can choose the best option for yourself. Today, Sberbank offers these types of deposits.

“Save” :

• without the possibility of replenishment and early withdrawal of funds;
• the minimum amount is 1000 rubles .;
• term - up to 36 months;
• rate - 6.4-7.7%.

Given capitalization, the maximum benefit can be obtained by issuing a deposit for 3 years.

"Replenish" :

• the name of the program itself indicates that money can be added during the term of the contract;
• amount - 1000 rubles;
• term - up to three years;
• rate - from 6% to 7.28%.

“Drive” :

• the possibility of replenishment and early withdrawal;
• the minimum amount is 30 thousand rubles;
• term - 3 months - 3 years;
• rate - from 5.05% to 6.1%.

These are the basic programs of Sberbank. They have “online” analogs that can be issued directly in your personal account on the bank’s website. And in this case, the interest rate will be increased.

Unique programs

"Multicurrency":

• term - 12-24 months;
• Currency - rubles, dollars and euros;
• minimum balance - 5 monetary units;
• rate depends on the term; it can range from 0.01% with an account balance of 5 rubles to 6.21% if 100 thousand rubles are invested.

“Savings” provides an opportunity to receive additional income, even if the funds were invested for 1 day. The rate ranges from 1.5-2.3%, depending on the amount. Capitalization and partial withdrawal are provided.

“Profitable” - a deposit without the possibility of replenishment of funds during the term of the contract. The relationship between the rate and the deposit term is the opposite. That is, if you open an account for 365 days, then the profitability will be 8%, 12-18 months - 5%, a longer period - 3.7%. The minimum amount is one thousand rubles.

Give Life is a charity program. Its peculiarity is that once a quarter deductions are made to the fund to help children in the amount of 0.3%. You can open a deposit for 1 year with a minimum amount of 10 thousand rubles. Rate: from 6.40% to 6.55%.

Option for seniors

For the most vulnerable categories of the population, Sberbank developed special conditions. What is the most beneficial contribution for people in old age? Depends on the purpose of the deposit. If a person invests money so that they are not “eaten up” by inflation, then it is better to choose the simplest programs. The percentage of them will be the highest. The conditions of programs for pensioners from the basic differ in rates.

• “Save” : from 5% to 7.76%.
• “Replenish” : from 5.3% to 7.28%.
• Pension Plus : quarterly rate from 3.5 to 3.67%. You can immediately transfer a pension to this deposit.

Profitable deposits of Sberbank: interest rates on deposits

For a better understanding, we have compiled for you the table below:

What is the most profitable deposit at Sberbank? As you can see from the table, “Save online.” Since it is impossible to replenish or withdraw money in parts, the rate for using funds is the highest. And taking into account capitalization, the basis for calculating interest is not the initial amount, but increased due to the monthly payment of remuneration.

How to make a decision

An ideal deposit consists of the following items:

• reliable bank;
• optimal terms;
• maximum bid;
• capitalization;
• the possibility of replenishment.

Finding a deposit that will meet all of these parameters is quite difficult. Rushing at high interest rates is dangerous. The CBR officially publishes a refinancing rate. If the bank offers to invest at a significantly higher percentage, this means that it is experiencing financial difficulties and is trying to attract customers by any means.

It is also important to pay attention to the conditions of service. The possibility of replenishment may become relevant for customers. who save money for the trip. Interest is best paid at the end of the term along with the principal amount of the deposit, unless you intend to deposit 1 million rubles on the deposit. It is important to pay attention to the type of bet. It may change during the term of the contract. People who save money on a “rainy day” are better off looking for a deposit with the possibility of withdrawing funds ahead of schedule.

Conclusion

Each client chooses the most optimal deposit option himself. Someone invests in order to protect them from inflation. Others save money just in case. Still others trust their funds to the bank, but they want to be able to control the account. Deposits from Sberbank of Russia are the most advantageous offer on the market. Clients can not only control the account, but also invest directly through the Internet at a higher percentage.