Sberbank time deposits for individuals. Sberbank deposits

Sberbank deposits for individuals became less attractive in 2020 due to updated rates. Read on this page to see how favorable interest rates and conditions are offered to the population by the largest bank in Russia today. The calculator will help you calculate your income.

In 2020, Sberbank of Russia offers its clients several types of profitable deposits for individuals:

1. ;

2. ;

3. .

Basic and premium deposits can also be divided into three large groups depending on the capabilities of managing funds. To choose the right one, you need to understand why you are putting money in the bank.

They can be issued in rubles and dollars. The bank temporarily does not open new deposits in euros, offering to use euros at a rate of 0.01% per annum.

Pensioners receive special benefits when making a deposit with Sberbank. They will receive the maximum percentage from the minimum amount on “Save” and “Replenish” deposits. See more details

But there is also a special deposit for receiving income for retirement - “”.

Note that all deposits in Sberbank today have the opportunity to capitalize interest.

Deposits in Sberbank for individuals: interest and conditions

In 2020, Sber updated rates on deposits in rubles and dollars. Read at what percentage you can open basic Sberbank deposits for individuals today. Compare conditions to choose the most profitable option for you.

Deposit calculator

Sberbank deposit “Save”

You should pay attention to this deposit for individuals if you need to reliably save money and receive a guaranteed stable income. Putting it in the bank a large sum, you can withdraw monthly good interest.

(+) Plus: high interest rate.

(-) Minus: there is no possibility of replenishing the account and partially withdrawing money without losing interest.

Conditions

• Duration: from 1 month to 3 years;
• Currency: Rubles / Dollars;
• Amount: from 1,000 ₽ / 100 $;
• Replenishment: no;
• Partial withdrawal: no;
• Capitalization: yes.
• Interest accrual: monthly withdrawal or capitalization.

Interest rate

from 1000 capitalization
from 100000 capitalization
from 400000 capitalization

In dollars

from 100 capitalization
from 3000 capitalization
from 10000 capitalization
from 200000 capitalization

Deposit “Save Online”

The terms of this deposit for individuals are similar to the “Save” deposit, only it is opened via the Internet. And interest rates are the same today.

Few? See what the interest rate on deposits at VTB Bank is today.

Sberbank deposit “Replenish”

This deposit will be of interest to those who prefer to save and regularly set aside funds. You cannot withdraw invested money, otherwise you will lose interest. But the interest itself, which is accrued monthly, can either be withdrawn or added to the deposit amount, that is, capitalized.

(+) Plus: it is possible to top up your account.

(-) Minus: there is no possibility of partial withdrawal of money without losing interest.

Conditions

• Duration: from 3 months to 3 years.
• Currency: Rubles / Dollars;
• Amount: from 1,000 ₽ / 100 $;
• Replenishment: yes.
• Partial withdrawal: no.
• Capitalization: yes.

Interest rate

In dollars

from 100 capitalization
from 3000 capitalization
from 10000 capitalization
from 200000 capitalization

Deposit “Replenish Online”

The conditions of this deposit for individuals are similar to the “Replenish” deposit, only it is opened via the Internet. And the rates are the same.

Doesn't fit? See deposit rates at Rosselkhozbank -

Sberbank deposit “Manage”

The main feature of this deposit is that the depositor will be able to withdraw part of the funds at any time without losing interest. The main thing is that the so-called “minimum balance amount” remains on the account. It can be equal to 30, 100 or 400 thousand rubles. The deposit can also be replenished. And the monthly interest accrued can be withdrawn or capitalized.

(+) Plus: it is possible to replenish your account and partially withdraw money without losing interest.

(-) Minus: low interest rate.

Conditions

• Duration: from 3 months to 3 years.
• Currency: Rubles / Dollars;
• Amount: from 30,000 ₽ / 1000 $;
• Replenishment: yes;
• Partial withdrawal: yes;
• Capitalization: yes.

Interest rate

In dollars

from 100 capitalization
from 3000 capitalization
from 10000 capitalization
from 200000 capitalization

Deposit "Manage Online"

The conditions of this Sberbank deposit for individuals are similar to the “Manage” deposit, only it is opened via the Internet. And interest rates are the same today.

See also the 50 most profitable deposits today.

Deposits with higher rates

These are premium deposits that cannot be opened by all individuals, but only by owners of the Premier or First service packages. They have higher interest rates, but the minimum investment amount also corresponds to the premium status of clients.

• From 700,000 rubles or 50,000 dollars for holders of the Premier package;
• From 5 million rubles and 150,000 dollars for clients with the “First” package.

The remaining conditions for premium deposits are the same as for basic deposits.

Contribution "Special Save"

Deposit with increased rates for owners of the Sberbank Premier or Sberbank First service package. Opens for an amount from 700,000 rubles or from 50,000 dollars. Depositing and withdrawing money (except for interest) before the end of the term is prohibited.

Contribution "Leader Save"

Contribution "Special Replenish"

This is a replenishable deposit with increased rates for owners of the Sberbank Premier/Sberbank First service package. Opens for an amount from 700,000 rubles or from 50,000 dollars. You can top up your account, but you won’t be able to withdraw money from the deposit without losing interest.

Contribution "Leader Replenish"

This is a premium deposit with increased rates for owners of the Sberbank First service package. Opens for an amount of 5 million rubles, 150,000 dollars or 150,000 euros.

Contribution "Special Manage"

This is a deposit with increased rates for owners of the Sberbank Premier or Sberbank First service package. Opens for an amount from 700,000 rubles or from 50,000 dollars. Replenishment and partial withdrawal of money from the account is allowed.

Contribution "Leader Manage"

This is a premium deposit for owners of the Sberbank First service package. Opens for an amount of 5 million rubles or $150,000. Replenishment and partial withdrawal of money from the account is allowed.

See interest rates on deposits at Raiffeisenbank -

Special deposits of Sberbank

These are, one might say, social deposits. They are intended to receive payments and benefits, as well as charity. However, this does not mean that they are less profitable. On the contrary, the “Give Life” deposit, for example, has an interest rate quite comparable to the “Save” deposit.

Contribution

This is a deposit to receive income for retirement. It is intended for individuals receiving pensions from the Pension Fund of the Russian Federation, non-state pension funds, as well as ministries and departments providing pensions.

(+) Plus: it is possible to replenish your account and make partial withdrawals without losing interest.

(-) Minus: low profitability, restrictions on the period of investment.

Conditions

• Duration: 3 years;
• Amount: from 1 ruble;
• Replenishment: yes;
• Interest accrual: every 3 months.
• Capitalization: yes.

Interest rate

3.50% per annum without capitalization;
3.67% per annum with capitalization.

Not enough? See the most profitable bank deposits for pensioners

Deposit "Social"

This is a special deposit for children left without parental care. It can also be applied for by veterans or disabled people of the Great Patriotic War. The main feature of the deposit is that it can be opened in the name of an orphan by legal representatives.

(+) Plus: the ability to replenish and partially withdraw without losing interest.

(-) Disadvantage: low profitability, limitations on term and client categories.

Conditions

• Duration: 3 years;
• Amount: from 1 ruble;
• Replenishment: yes;
• Partial withdrawal without loss of interest: yes;
• Interest accrual: quarterly.
• Capitalization: yes.

Interest rate

3.15% per annum without capitalization;
3.28% per annum with capitalization.

Sberbank deposit “Give life”

This deposit is charitable. Part of the funds is used to help children with oncological, hematological and other serious diseases. Sberbank transfers every 3 months to charitable foundation“Give life” in the amount of 0.3% per annum of the deposit amount.

Conditions

• Duration: 1 year;
• Currency: Rubles;
• Amount: from 10,000 ₽;
• Replenishment: no;
• Partial withdrawal: no;
• Capitalization: yes.

Interest rate

4.50% per annum without capitalization;
4.58% per annum with capitalization.

Savings account of Sberbank of Russia

A savings account for free and confident management of money on a daily basis.

Conditions

• Duration: Indefinitely;
• Currency: Rubles / Dollars / Euro / etc.;
• Minimum amount: Unlimited;
• Replenishment: yes;
• Partial withdrawal: yes;
• Interest accrual: monthly.

Interest rate

• from 1.00 to 1.80 in rubles;
• 0.01 in US dollars, 0.01 in euros, Canadian, Hong Kong and Singapore dollars, Chinese yuan, and pounds sterling.

How to register Sberbank deposits for individuals

Opening a deposit in Sberbank is easy, the main thing is that you have money that can be deposited in the bank!

1. In the office. To make a deposit, just contact any bank branch with money and a passport. Sberbank employees will formalize everything necessary papers, and all you have to do is sign where required.

2. Online. If you are already a client of Sberbank and use Internet banking, then you can open a deposit without leaving your home. Log in to Internet Banking, select a suitable deposit and click the “Open deposit” button.

3. At the ATM. Use the nearest ATM and follow the instructions on the monitor.

Is it possible to open several deposits at once?

Yes. The client can make any number of deposits.

Is it possible to open a deposit for another person?

Yes. To open a deposit in the name of another person, you need your passport and a notarized photocopy of the passport of the person in whose name the deposit is made.

Is it possible to open a “family” deposit for several people at once?

No. The deposit is opened for one person only. But the client can issue a power of attorney for deposit management free of charge. Using it, you can withdraw money and receive account statements, replenish a deposit, as well as close it or transfer funds to another account. To issue such a power of attorney, you must contact the Sberbank office. Moreover, the authorized person does not have to come. The document is valid for 10 years.

Conditions for early termination

In any unforeseen situation, if clients need money ahead of schedule When the deposits expire, you can always get them.

Early termination of deposits “Save”, “Replenish”, “Manage” and “Give Life” carried out under the following conditions:

1. For deposits for a period of up to 6 months (inclusive) - at an interest rate of 0.01% per annum;

2. For deposits for a period exceeding 6 months:

During the first 6 months of the main (extended) term - based on an interest rate of 0.01% per annum;
after 6 months of the main (extended) period - based on 2/3 of the interest rate established by Sberbank for this type of deposit on the date of opening (extension) of the deposit.

In case of early termination of deposits, interest is recalculated without taking into account monthly capitalization!

In case of early withdrawal of the deposit "Pension-plus of Sberbank of Russia" the rate established on the date of opening (prolongation) of the deposit does not change.

Answers to frequently asked questions

? What is the minimum balance?
This is the minimum amount that must be kept in your account during the deposit period.

? What is the maximum deposit amount?
This is the deposit amount at the end of the day on the date of opening or prolongation of the deposit, increased by 10 times.

? What is interest capitalization?
This is the monthly addition of accrued interest to the deposit amount. As a result, in subsequent periods, interest is accrued both on the deposit and on this interest, and the deposit grows faster. The rate on a deposit with capitalization is higher than without capitalization.

? How can I withdraw accrued interest?
Interest can be withdrawn at any time in whole or in part. You can receive them through Sberbank Online or at the bank office.

? Under what conditions is the deposit renewed?
If you have not withdrawn the money at the end of the deposit period, it is automatically renewed on the terms and at the rate that are in effect on the renewal date. So the percentage may change. If the deposit is no longer valid, then it is extended until demand at a rate of 0.01% per annum, as specified in the agreement.

Conclusions: what are the benefits of individual deposits in Sberbank

Maximum interest on Sberbank deposits for individuals for 2017: rubles - 6.49% per annum (on promotion days - up to 10.00% per annum), dollars - 1.06%, euros - 0.01%.

We are already accustomed to the fact that interest rates on Sberbank deposits are the lowest among similar “products” of other Russian banks.

The bank’s policy “makes it clear” that we are the “largest” and “reliable”, and you will still come to us, no matter what rates we approve.

The policy is of course “controversial”, because in almost all banks of the Russian Federation that accept deposits from the population, all amounts of Citizens are insured by the State (I now mean deposit amounts up to 1.4 million rubles).

And about the “large” ones I will only say one thing - competitors represented by VTB 24 (its “daughter” Post Bank - together, as they say, “we are strong”), are rapidly opening new offices, developing a whole range of innovative financial programs and tools, They are slowly taking away regular customers from the “dormant” Sberbank.

Well, okay, let’s not understand the intricacies of banking policy, but let’s focus on Sberbank’s deposit programs.

2. Deposit program “Top up” – with a top-up option

Unlike the program described above, a replenishment appeared in this deposit. You can top up your deposit with an amount starting from 1,000 rubles, throughout the entire period of stay.

The maximum rate on deposits in rubles is up to 6.23% per annum.

Interest is accrued monthly and can be transferred back to the deposit, i.e. use capitalization, or withdraw for “personal needs”.

The deposit period is from 3 months to 3 years. The most favorable rates under the “Top up” program “lie” in the time period from 6 to 12 months.

The interest rate depends on the amount and term of the deposit (see interest table).

You have the opportunity to increase the percentage of the current deposit, if you can replenish the deposit, up to the next amount gradation.

Deposit amount	3-6 months	6-12 months	1-2 years	2-3 years	3 years
from 1,000 ₽	5,20 (5,22*)	5,65 (5,72)	5,35 (5,48)	5,15 (5,41)	5,00 (5,38)
from 100,000 ₽	5,35 (5,37)	5,80 (5,87)	5,50 (5,64)	5,30 (5,58)	5,15 (5,56)
from 400,000 ₽	5,50 (5,53)	5,95 (6,02)	5,65 (5,80)	5,45 (5,74)	5,30 (5,73)
from 700,000 ₽	5,70 (5,73)	6,15 (6,23)	5,85 (6,01)	5,65 (5,97)	5,50 (5,96)
from 2,000,000 ₽	5,70 (5,73)	6,15 (6,23)	5,85 (6,01)	5,65 (5,97)	5,50 (5,96)

For deposits in dollars from 0.01 to 0.90% per annum. Very low rates on euros – 0.01% per annum.

Minimum deposit amount: ₽ – 1,000, $ / € – 100.

For pensioner deposits, the maximum rate for the temporary period applies, regardless of the deposit amount.

Early termination up to 6 months threatens to recalculate the rate by 0.01% per annum. If the “deposit life” is more than 6 months, you will keep 2/3 of the rate assigned on the opening day.

3. “Manage” deposit program – with replenishment and partial withdrawal

The “Manage” program allows the depositor to replenish and partially withdraw the deposit throughout the entire period.

Here the lowest interest rate, figuratively speaking, the difference in interest was “used” to pay for the options.

The maximum you can get: in rubles up to 5.77% per annum(term 6 - 12 months, amount from 2 million rubles, capitalization), in dollars up to 0.60% per annum, euros - standard 0.01% per annum.

The minimum deposit amount (when compared with the “products” described above) has “grown up” a little - 30,000 rubles, 1,000 dollars / euros.

Partial withdrawal of money from the deposit is allowed only up to the minimum balance level. Withdrawals below this level are subject to loss of interest (see early termination rules).

You can top up your deposit with the following amounts: 1,000 rubles, 100 euros/dollars.

Each investor manages the accrued interest (calculated monthly) individually: either transfers it for capitalization or withdraws it for “personal needs.”

Deposit amount	3-6 months	6-12 months	1-2 years	2-3 years	3 years
from 30,000 ₽	4,85 (4,87*)	5,20 (5,26)	4,60 (4,70)	4,35 (4,54)	4,10 (4,35)
from 100,000 ₽	5,00 (5,02)	5,35 (5,41)	4,75 (4,85)	4,50 (4,70)	4,25 (4,52)
from 400,000 ₽	5,15 (5,17)	5,50 (5,56)	4,90 (5,01)	4,65 (4,86)	4,40 (4,69)
from 700,000 ₽	5,35 (5,37)	5,70 (5,77)	5,10 (5,22)	4,85 (5,08)	4,60 (4,92)
from 2,000,000 ₽	5,35 (5,37)	5,70 (5,77)	5,10 (5,22)	4,85 (5,08)	4,60 (4,92)

* – rates for interest capitalization.

The deposit period is from 3 months to 3 years.

You can actively replenish your deposit and increase your bet, reaching the amount of the next gradation.

Early termination: up to 6 months of validity of the “active” deposit - at a rate of 0.01% per annum, if terminated after 6 months - 2/3 of the interest rate in effect at the time of opening is retained.

4. “Gift of Life” deposit program – charitable assistance

Contribution to help sick children who suffer from severe oncological, hematological and other diseases.

Charitable assistance consists of the fact that the bank, once a quarter, transfers 0.3% per annum (of the deposit amount) to the Gift of Life Charitable Foundation.

I think that among investors there are hardly people who are indifferent to such help.

Maximum deposit rate – 6.45% per annum. Such interest is given on a deposit with capitalization.

If you do not want to take advantage of capitalization, then the base rate is 6.30% per annum.

The minimum deposit amount is 10,000 rubles. Savings are accepted only in rubles, for a period of 1 year.

The “Gift of Life” program does not provide for replenishment and partial withdrawal operations.

Interest is calculated once every 3 months.

Early termination, as in other Sberbank programs: up to 6 months - recalculated at a rate of 0.01% per annum, after 6 months - 2/3 of the rate in effect at opening is retained.

5. “Pension Plus” deposit program – special for pensioners

For pensioners who receive their pensions into the account of the Pension Fund of the Russian Federation, Sberbank has developed a special program - “Pension Plus”.

I don’t know where you can find a rate lower than in this “product”. Interest rate with capitalization – 3.67% per annum in rubles.

The deposit is opened for a period of three years. The minimum opening amount is 1 ruble.

Let this deposit come with replenishment (unlimited) and partial withdrawal (up to the minimum balance), but such a low rate for completely “impoverished” pensioners is “shameful and insulting.”

And Dear pensioners, I can only advise that if you decide to make a deposit in Sberbank, and want to replenish it and partially withdraw it, then pay attention to the “Manage” program, the rate there is 5.77% per annum.

Over the 150 years of its existence, Sberbank of Russia has won the unshakable trust of the population. Today, the financial institution is a leader among its competitors in many respects. One of them is a package of services for deposits. Let's figure out what exactly the bank offers depositors, how favorable the interest rates are and what is needed to open a deposit.

Current interest rates on deposits in Sberbank for 2018

Name of contribution	Max. % bid	Deposit term	Min. sum	Replenishment	Frequently withdrawal
Contribution “Give Life”	5,00 %	1 year	from 10,000 rub.	–	–
Deposit “Top up”	4,50 %	from 3 months up to 3 years.	from 1000 rub.	+	–
Deposit “Replenish Online”	5,00 %	from 3 months up to 3 years.	from 1000 rub.	+	–
“Save” deposit	5,00 %	from 1 month up to 3 years.	from 1000 rub.	–	–
Deposit “Save Online”	5,50 %	from 1 month up to 3 years.	from 1000 rub.	–	–
“Manage” deposit	4,20 %	from 3 months up to 3 years.	from 30,000 rub.	+	+
Deposit "Manage Online"	4,70 %	from 3 months up to 3 years.	from 30,000 rub.	+	+
savings account	2,30 %	Indefinitely	-	–	–

More detailed and most accurate information on deposits can be found on the official website of Sberbank at the link: www.sberbank.ru/ru/person/contributions/deposits

“Term deposits” of Sberbank: names and conditions

For depositors, Sberbank has developed a simplified program that includes three basic products: “Save”, “Manage” and “Replenish”, which, in turn, provide additional solutions and special offers for different categories of the population. Interest on the deposit is calculated based on the invested amount, currency and term chosen by the client. The “Term Deposits” package is available to both large businessmen and average pensioners.

"Save"

Deposit terms:

Interest rate at the bank office - 3,65%-4,50% for ruble deposits, 0,05%-0,95% - for dollar deposits;
Interest rate when opening online - 3,9%-4,75% for ruble deposits, 0,1%-1,35% for dollar deposits.

Deposit currency:Russian ruble, dollar USA;
Minimum deposit amount: 1,000 rubles, 100 dollars.
Deposit term:1 month - 3 years inclusive.

Replenishment:not provided
Partial withdrawal:not provided.

The deposit period for each specific case is calculated individually, accurate to the day.

"Replenish"

Deposit terms:

Interest rate at the bank office - 3,6%-4,05% for ruble deposits, 0,05%-0,95% - for dollar deposits;
Interest rate when opening online - 3,85%-4,3% for ruble deposits, 0,25%-1,15% for dollar deposits.

Deposit currency:Russian ruble, dollar USA;
Minimum deposit amount: 1,000 rubles, 100 dollars.
Deposit term:3 months - 3 years inclusive.

Replenishment:
- cash:
- non-cash:Not limited.
Partial withdrawal:not provided.

You can also open a “Top up” deposit in the name of a child, who will be able to access it only upon reaching the age of majority: from the age of 14 he can replenish the account himself, and from the age of 18 he can completely manage it.

Did you know? Behind last years Sberbank increased lending volumes to 70%, while its competitors had this figure at 21%.

"Manage"

Deposit terms:

Interest rate at the bank office - 2,9%-3,75% for ruble deposits, 0,01%-0,6% - for dollar deposits;
Interest rate when opening online - 3,15%-4,0% for ruble deposits, 0,15%-0,8% for dollar deposits.

Deposit currency:Russian ruble, dollar USA;
Minimum deposit amount: 30,000 rubles, 1,000 dollars.
Deposit term:3 months - 3 years inclusive.

Replenishment:
- cash: from 1,000 rubles or 100 dollars;
- non-cash:Not limited.
Partial withdrawal:dO

"Gift a life"

Deposit terms:

Interest rate -4,55% .

Deposit currency:Russian ruble;
Minimum deposit amount: 10,000 rubles.
Deposit term -1 year.

Replenishment:not provided
Partial withdrawal:not provided

The contribution was created to help children with oncological, hematological and other serious diseases.

Sberbank transfers 0.3% per annum of the deposit amount to the Gift of Life charitable foundation every 3 months.

"Onlike"

Deposit terms:

Interest rate:
- 6,5% - for 1 year;
- 6,7% - for 2 years.

Deposit currency:Russian ruble
Minimum deposit amount: 10,000 rubles;
Deposit term: 1-2 years

Replenishment: not provided
Partial removal:not provided

"Significant benefit"

Deposit terms:

Interest rate:1.5%-3.0% per annum

Deposit currency:U.S. dollar
Minimum deposit amount: $10,000;
Deposit term: 6 months, 1,2,3 years

Replenishment: not provided
Partial removal:not provided

"Social"

Deposit terms:

Interest rate -3.75% per annum.

Deposit currency:Russian ruble;
Minimum deposit amount: 1 ruble.
Deposit term -3 years.

Replenishment:not limited
Partial withdrawal:dOminimum balance level without loss of accrued interest

The contribution is a special offer for children left without parental care and veterans/disabled people of the Great Patriotic War Patriotic War. It can only be opened in a Sberbank branch in the name of an orphan by his legal representative upon presentation of an act of the guardianship and trusteeship authority establishing guardianship/trusteeship over the child/placement of the child in a specialized social institution, as well as by a veteran or disabled person of the Great Patriotic War upon presentation of a certificate of a veteran of the Great Patriotic War /disabled person's certificate of the Great Patriotic War.

"Pension-plus of Sberbank of Russia"

Deposit terms:

Interest rate -3,5% .

Deposit currency:Russian ruble;
Minimum deposit amount: 1 ruble.
Deposit term -3 years.

Replenishment:not limited
Partial withdrawal:dOminimum balance level without loss of accrued interest

This deposit was created for crediting pensions, social benefits and other payments.

Conditions for registration of permanent deposits, category “deposits for settlements”

For daily use and regular payments, Sberbank of Russia offers its clients special offers: deposits for settlements.

"On demand of Sberbank of Russia"

Deposit terms:

Interest rate -0.01% for all currencies

Deposit currency: Rubles / US dollars / Euros / Pounds sterling / Swiss francs / Swedish kronor / Singapore dollars / Norwegian kroner / Danish kroner / Canadian dollars / Australian dollars / Japanese yen;
Minimum deposit amount:.
Deposit term:indefinitely.

Replenishment:not limited
Partial withdrawal:dOminimum balance level without loss of accrued interest

In force majeure circumstances, when the need arises to withdraw all invested money, you have the right to terminate the agreement with the bank early and withdraw your deposit. In this case, income will be accrued taking into account the actual period of storage of money in the account and the established interest rate. If it has changed since the opening of the deposit, each of its values ​​will be taken into account. If you keep your savings for a long time, you can issue a power of attorney or make a will.

"Savings account"

Deposit terms:

Interest rate:
- 1,0%-1,8% - ruble deposits;
- 0,01% - for deposits in foreign currency.

Deposit currency:Russian ruble, dollar USA, Euro;
Minimum deposit amount: not limited.
Deposit term:indefinitely.

Replenishment:not limited
Partial withdrawal:not limited.

Deposit "Universal of Sberbank of Russia"

Deposit terms:

Interest rate -0.01% for all currencies

Deposit currency: Rubles / US dollars / Euros / Pounds sterling / Swiss francs / Swedish kronor / Singapore dollars / Norwegian kroner / Danish kroner / Canadian dollars / Australian dollars / Japanese yen;
Minimum deposit amount:10 rubles / 5 US dollars / amount equivalent to 5 US dollars in other currencies
Termcontribution:indefinitely.

Replenishment:not limited
Partial withdrawal:dOminimum balance level without loss of accrued interest

This deposit can not be opened in all Sberbank branches. You can find a list of branches where this is available by following the link.

Important! To make a deposit, you need to come to Sberbank with a passport or pension certificate, sign an agreement and put money on deposit.

“Nominal account for crediting social benefits”

Deposit terms:

Interest rate -3,67% .

Deposit currency:Russian ruble;
Minimum deposit amount: 0 rub.
Deposit term -unlimited.

Replenishment:alimony, pensions, benefits
Partial withdrawal:dOminimum balance level without loss of accrued interest

A nominal account for crediting social payments is opened in Sberbank branches for parents/guardians/trustees for crediting funds of a social nature specified in Article 37 of the Civil Code of the Russian Federation: amounts of alimony, pensions, benefits, compensation for harm to health and damage incurred in the event of the death of the breadwinner, as well as others funds paid to them for the maintenance of minors/incapacitated/partially capable citizens who are beneficiaries of a nominal account. To open it, the Parent only needs to present his identification document and the birth certificate of a child under 14 years of age, or the birth certificate and passport of a child aged 14 to 18 years, and no permission from the guardianship and trusteeship authorities is required to be provided to the Bank. . To open a Nominal Account, the Guardian/Trustee presents his/her identification document, the birth certificate of a child under 14 years of age or the passport of a child aged 14 to 18 years or an incapacitated/limited citizen, an act of the guardianship and trusteeship authority on the appointment of a guardian (trustee) ), confirming the authority of the owner of the Nominal Account to manage the funds of the ward

This project covers the needs of parents, guardians, incapacitated or partially capable people, as well as trustees to whom the state pays funds for the maintenance of minor children. Bank deposits are possible only in Russian rubles to a nominal account intended for social payments. The depositor decides how much money to deposit. To withdraw funds, you do not need prior permission from the guardianship and trusteeship authorities.

The account may exist for an unlimited time with the possibility of partial use. Moreover, the bank does not put forward any conditions regarding the minimum balance. Replenishment of a nominal account excludes incoming transactions, except for crediting social payments and transfers from another similar account, the beneficiary of which is the same person.

Interest is calculated every 3 months. If you want to close the account and terminate the agreement with the bank, interest will be accrued on the actual storage of the money, taking into account the rate agreed upon when opening the deposit. All changes in interest rate values ​​will also be taken into account.

General terms and conditions of deposits

All deposits differ in interest rate, term, minimum amount and different conditions deposits and withdrawals. But they also have the same points in their provision:

Conditions for calculating interest

1. Interest is calculated monthly;
2. The accrued interest is added to the deposit amount, thereby increasing income in the next month;
3. The accrued interest can be withdrawn or transferred to the card account.

The interest rate increases when the deposit amount reaches the next gradation. For example, if you opened a “Top up” deposit in the amount of 100,000 rubles, and subsequently its amount reached 400,000 rubles, then the interest rate from 3.8% will increase to 3.94%.

Conditions for early termination

1. If you need money before the end of the deposit, you can always get it, regardless of the reason for this;
2. If the deposit was opened for a period of less than 6 months inclusive, the deposit amount will be recalculated and returned based on an interest rate of 0.01% per annum;
3. If the deposit was opened for a period of more than 6 months:
   - if the deposit is claimed within the first six months - recalculation at a rate of 0.01%;
   - when withdrawing a deposit after the sixth month - based on 2/3 of the interest rate established by Sberbank at the time of opening the deposit.

At early repayment deposit interest is recalculated without taking into account monthly capitalization.

Prolongation conditions

• The number of extensions is not limited;
• Automatic extension occurs under the same conditions and at the same interest rate that are in effect on the renewal date.

Conditions for pensioners

Sberbank has developed special conditions for pensioners opening “Replenish” or “Save” deposits:

1. Opening deposits on special conditions for pensioners it is carried out for women over 55 years of age and for men over 60 years of age;
2. Deposits for pensioners are opened with the maximum interest rate for the selected period, regardless of the deposit amount;
3. If the deposit was opened before reaching retirement age, then upon reaching it, the rates automatically become maximum;
4. There is no maximum amount limit;
5. When claiming deposits after 6 months of the main/extended term, for which the balance exceeds the Maximum amount, a reduction factor of ½ is applied to the difference between the actual balance and the Maximum amount in addition to the coefficient of 2/3. These coefficients are applied to the rate in force on the deposit on the opening/extension date.

Did you know? The rights of the main shareholder and founder of Sberbank are assigned to the Central Bank Russian Federation, which owns 50% + 1 voting share.

We invite you to familiarize yourself with detailed instructions How to open a deposit in the Sberbank Online system, in the document attached below.

Sberbank of Russia today offers updated interest rates on deposits for individuals. See under what conditions you can store funds in rubles and dollars in Sberbank in 2020.

Why did Sberbank update interest rates on deposits in 2020

In 2020, interest rates on deposits for individuals at Sberbank decreased again. This time by 0.1-0.25 percentage points. Today rates are 2.7-4.5% depending on the amount and duration of investments. This is primarily due to the reduction of the Central Bank’s key rate.

This is confirmed by Sberbank itself. As TASS reports with reference to the chief analyst of Sberbank Mikhail Matovnikov, the reduction in deposit rates plays out the latest decision of the Bank of Russia to reduce the key rate.

Because the deposit interest rates are sometimes updated several times a year, then some sites on the Internet may contain irrelevant, outdated information.

Our advice: before making a deposit, be sure to check its profitability with the bank itself. Please note the terms and conditions for raising money, which may also be updated from time to time.

Updated interest rates on Sberbank deposits for today

Contribution

This deposit for individuals will provide secure storage of savings with the ability to withdraw part of the funds before the expiration of the deposit without loss of interest.

(+) Plus: it is possible to replenish your account and partially withdraw money without losing interest.

(-) Minus: low interest rate.

Conditions

• Duration: from 3 months to 3 years.
• Currency: Rubles / Dollars
• Amount: from 10,000 rubles / 1000 dollars
• Replenishment: provided;
• Minimum contribution: in cash - from 1,000 rubles / 100 US dollars, by bank transfer - unlimited.
• Partial withdrawal: provided up to the minimum amount of the minimum balance without loss of accrued interest.
• Capitalization: provided.

Interest rate

Contribution "Special Manage"

A spending deposit with increased rates for owners of the Sberbank Premier or Sberbank First service package. Opens for an amount from 700,000 rubles or from 50,000 dollars.

Contribution "Leader Manage"

Few? See what the interest rate on bank deposits is today

Contribution

This deposit for individuals will be of interest to those who prefer to save and regularly set aside funds. But there is also the possibility of monthly interest withdrawal.

(+) Plus: it is possible to top up your account.

(-) Minus: there is no possibility of partial withdrawal of money without losing interest.

Conditions

• Duration: from 3 months to 3 years.
• Currency: Rubles / Dollars
• Amount: from 1,000 rubles / 100 dollars
• Replenishment: provided.
• Minimum contribution: cash - from 1,000 rubles / 100 dollars, non-cash - unlimited.
• Capitalization: provided.

Interest rate

when registering in the office and online

Contribution "Special Replenish"

Replenishable deposit with increased rates for owners of the Sberbank Premier/Sberbank First service package. Opens for an amount from 700,000 rubles or from 50,000 dollars.

Contribution "Leader Replenish"

This is a premium deposit with increased rates for owners of the Sberbank First service package. Opens for an amount of 5 million rubles, 150,000 dollars or 150,000 euros.

Did not impress? See what interest on deposits it gives

Contribution

You should pay attention to this deposit for individuals if you need to reliably save money and receive a guaranteed stable income. By depositing a large amount in the bank, you can withdraw good interest every month.

(+) Plus: high interest rate.

(-) Minus: there is no possibility of replenishing the account and partially withdrawing money without losing interest.

Conditions

• Duration: from 1 month to 3 years;
• Currency: Rubles / Dollars;
• Amount: from 1,000 rubles / 100 dollars;
• Replenishment: not provided;
• Partial withdrawal: not provided;
• Capitalization: provided. The accrued interest is added to the deposit amount, increasing income in subsequent periods.
• Interest accrual: monthly withdrawal or capitalization.

Interest rate

when registering in the office and online

Contribution "Special Save"

Deposit with increased rates for owners of the Sberbank Premier or Sberbank First service package. Opens for an amount from 700,000 rubles or from 50,000 dollars.

Contribution "Leader Save"

This is a premium deposit with increased rates for owners of the Sberbank First service package. Opens for an amount of 5 million rubles, 150,000 dollars or 150,000 euros.

Contribution "Pension - plus of Sberbank of Russia"

This is a deposit to receive income for retirement. It is intended for individuals receiving pensions from the Pension Fund of the Russian Federation, non-state pension funds, as well as ministries and departments providing pensions.

Conditions

• Duration: 3 years;
• Amount: from 1 ruble;
• Replenishment: provided;
• Partial withdrawal without loss of interest: provided up to the level of the minimum balance;
• Interest accrual: every 3 months. The accrued interest is added to the deposit amount, increasing income in subsequent periods.
• Capitalization: provided.

Interest rate

3.50% per annum without capitalization (3.67% per annum with capitalization).

Contribution “Give Life”

This deposit for individuals is charitable. Part of the funds is used to help children with oncological, hematological and other serious diseases. Every 3 months, Sberbank transfers to the Gift of Life charity fund an amount of 0.3% per annum of the deposit amount.

Conditions

• Duration: 1 year
• Currency: Rubles
• Amount: from 10,000 rubles
• Replenishment: not provided
• Partial withdrawal: not provided
• Capitalization: provided.

Interest rate

4.50% per annum (4.58% per annum with capitalization).

How to register Sberbank deposits for individuals

Opening a deposit in Sberbank is easy, the main thing is that you have money that can be deposited in the bank!

1. In the office. To make a deposit, just contact any bank branch with money and a passport. Sberbank employees will complete all the necessary paperwork, and all you have to do is sign where required.
2. Online. If you are already a client of Sberbank and use Internet banking, then you can open a deposit without leaving your home. Log in to Internet Banking, select a suitable deposit and click the “Open deposit” button.
3. At the ATM. Use the nearest ATM and follow the instructions on the monitor.

Conditions for early termination

In any unforeseen situation, if clients need money before the end of their deposits, they can always get it.

Early termination of deposits “Save”, “Replenish”, “Manage” and “Give Life” carried out under the following conditions:

1. For deposits for a period of up to 6 months (inclusive) - at an interest rate of 0.01% per annum;

2. For deposits for a period exceeding 6 months:

• during the first 6 months of the main (extended) term - based on an interest rate of 0.01% per annum;
• after 6 months of the main (extended) period - based on 2/3 of the interest rate established by Sberbank for this type of deposit on the date of opening (extension) of the deposit.

In case of early termination of deposits, interest is recalculated without taking into account monthly capitalization!

In case of early withdrawal of the deposit "Pension-plus of Sberbank of Russia" the rate established on the date of opening (prolongation) of the deposit does not change.

Conclusions: which Sberbank deposit is better to open?

This page of the Banki.ru portal provides the most current information on deposits for individuals currently operating in Sberbank of Russia. Here you will find detailed information about the conditions and interest rates on deposits of the largest Russian bank.

The line of Sberbank deposits is quite diverse and includes time deposits for various categories of citizens. Sberbank offers profitable deposits with interest capitalization, the ability to replenish and make debit transactions, multi-currency, as well as deposits for pensioners on more attractive terms. Most deposits provide for the possibility of early termination on preferential terms. Deposits opened through the Sberbank Online system also have higher interest rates.

How to choose profitable investment in Sberbank?

• Compare offers from various sources - Banki.ru concludes an agreement on special more favorable conditions for your visitors.
• Study the main types of deposits and choose which program is more convenient for you:

1. With interest capitalization, it provides additional income, but sometimes it is more profitable to receive interest monthly.
2. With replenishment - this increase in the body of the deposit now in various products may have a limitation on the possible date of the last one before the end of the replenishment agreement, and the rate here may be lower.
3. The amount is no more than 1.4 million rubles - do not exceed the amount eligible for the banking products insurance program.