The Manage deposit offered by Sberbank is in the same line as such deposits as “Save” and “Replenish”. But it has a significant difference, which the Russians have already managed to appreciate. It allows you to manage funds in your account, hence its name.

The deposit period ranges from 3 months to 3 years

The depositor is allowed to replenish the account at any time, increasing interest, and withdraw money if necessary, without losing the bet.

The offer is designed for those clients for whom it is preferable not to chase the maximum rate, but to be able to use the deposit at any moment and manage the funds at their own discretion.

After withdrawing money, you can top up your account again and continue saving further. The product is also suitable for those who plan to host their own available funds with minimal risk and maximum control.
When concluding an agreement, the client should carefully study all the conditions for the selected account

Its attractiveness is free opening and maintenance. This allows you to connect the deposit service to the main client account and receive additional monthly income.

Basic conditions can provide a decent income to the investor

Deposit Manage Online Sberbank conditions :

• The deposit can be in rubles, dollars, euros;
• the amount of the down payment and the minimum balance – from 30 thousand rubles. or 1 thousand dollars/euro;
• deposit duration – 3-36 months;
• rate up to 4.0% (online) and up to 3.75% (in a bank branch).

As the amount increases, the bank offers higher interest rates

The following actions are allowed:

1. withdraw accrued interest or add it to the principal amount (capitalization);
2. deposit cash to top up your account or using online banking;
3. withdraw the required amount up to the minimum balance without penalties;
4. If desired, a testamentary disposition for deposit funds is drawn up.

As the deposit term increases, the bank rewards its clients with increased rates

The conditions of Manage Sberbank of Russia are especially attractive for pensioners. They receive increased rate:

• additional 0.5% when opening in the office;
• additional 0.8% when using Online Banking.

Sberbank deposit Manage: interest rates

Another advantage of a deposit is the ability to plan the interest rate in advance. It largely depends on the resources and needs of the client himself.

For accounts opened through online service the bank provides for an increase in the rate with an increase in the amount and term

Interest is set depending on the amount of the deposit, replenishment and the choice of deposit term. The range is large - from 3.15% to 3.9% for a ruble account and from 0.15% to 0.8% in dollars and euros.

With this tariff schedule, the bank encourages its clients to actively use online services

Calculation of income on deposit

When opening a deposit, you can predict its profitability. To achieve the greatest benefit, you need to decide on the factors influencing the increase in income:

• Opening method. Using Online Banking, you can increase the rate by 0.5% compared to the same amount when opening at a branch.
• Sum . The higher an initial fee, the higher the interest. The institution is interested in attracting large sums, so it guarantees big bets. But it should be borne in mind that with significant savings, the rate may decrease.
• Long term. The bank is interested in attracting client funds for long periods, therefore it increases the return on the deposit.
• Depositor status. The majority of clients have base rate, but pensioners receive preferential increased interest rates.

By using online calculator Each visitor to the bank’s official website can independently calculate the projected amount of income from the deposit

Based on this, the client himself has the right to regulate the interest on the deposit. To verify this, it is enough to do preliminary calculations Online. You will need to go to the deposits section and select “Manage”, and then enter the following data:

1. type of currency;
2. indicate the date of opening and planned closure;
3. duration in days;
4. estimated amount;
5. capitalization;
6. the size of the minimum balance;
7. frequency of depositing funds.

The system itself will calculate the proposed option. To achieve the optimal option for yourself, you can vary the entered parameters.

Early closure of the Manage Sberbank deposit

In some life situations, termination of the contract is allowed, but it must be taken into account that early closure of the Sberbank deposit provides for payments for different percentages :

• for up to six months it will be carried out at 0.1% per annum;
• beyond this period - 2/3 of the current interest rate.

The depositor will need to visit the bank office and write a corresponding application to close the deposit.

Detailed nuances of the operating mechanism of the Manage account

How to close your Manage Online deposit in Sberbank early:

1. go to your Personal Account;
2. select the “Deposits and Accounts” tab, then select the desired deposit;
3. click “Close”;
4. you will need to indicate the card or account number where the balance will be transferred;
5. after this procedure the deposit will be closed.

Deposit Manage Online Sberbank: pitfalls

Despite the significant advantages this product has "underwater rocks":

• with a significant increase in replenished funds, the interest rate may decrease by a third or half, depending on the amount of the excess;
• upon early termination of the contract cash are paid at a lower interest rate, and its size depends on the duration of the contract.

To open a deposit without leaving home, you must be a registered user of the Sberbank Online service

How to open a deposit in Sberbank online? (video)

Instructions for opening a deposit remotely through the bank’s online service.

Conclusion

When opening a Manage Online deposit in Sberbank, you must take into account all the pros and cons banking product. Unlike its counterpart, the online version has more advantages in terms of ease of opening, monitoring and depositing funds. But with both options, the value of the deposit remains the same - the ability to manage your funds, deposit them, partially withdraw them, without losing interest.

The deposit called “Manage” from Sberbank is returned to the client minimum interest, but provides maximum opportunities for managing your funds. You can partially withdraw funds from the deposit or replenish your account

Why is it so popular among investors? He owes his popularity precisely to this additional features which it provides to clients. If you want to get a higher return, you can deposit an additional amount into the account at any time. If you need cash, you can also easily withdraw some money from your account at a branch or via the Internet.

Basic terms of the deposit:

• Interest from 3.00 to 4.2% in rubles. For dollar deposits from 0.01 to 0.60%.
• Opens for a period of 3 to 36 months; if you want to invest euros, then the period will be at least 1 year.
• Can be replenished from time to time. Each cash replenishment is at least 1000 rubles, or 100 dollars or euros. The amount of non-cash top-ups is not regulated
• Deposit amount – from 30,000 rubles. If the currency is deposited, its size must be at least 1000 dollars or euros
• Interest accrues monthly. You can independently choose the order of payments - every month, with the possibility of withdrawing % and transferring it to any account, or at the end of the term using capitalization
• You can close the deposit early, but in this case you will lose part of the income. If the money has been in the bank for less than 6 months, your rate will be calculated as 0.01% per annum. If it’s more than six months, then the calculation will take 2/3 of your rate specified in the contract.

Restrictions:

Please note that there are certain restrictions on the top-up service: your maximum deposit amount should not exceed 10 times the amount originally deposited.

For example, if you deposited 5,000 on the first day, then the maximum amount in your account should be no more than 50,000 rubles. If you exceed the maximum amount, then a reduced percentage of 1/2 of the current rate under the contract will be charged for this difference.

Please note that you cannot withdraw all funds completely. When opening a deposit, a minimum balance is selected, which must always remain in the account - this is 30,000 rubles. Accrued interest is allowed to be withdrawn without restrictions.

Opening a deposit through Sberbank Online

If you are an existing Sberbank client, you can register in the Internet banking service. To do this, you will need a valid account, passbook or card.

In the first two cases, the connection occurs through a bank branch, in the latter - through an ATM or on the official website, and you must have the option “connected in advance” Mobile bank». detailed instructions registration in the system is described in.

• in rubles - from 3.25% to 4.7%,
• in US dollars - from 0.15% to 0.8%.

Many people ask: are there any benefits for pensioners or salary clients? We answer: unfortunately no, not for any categories of citizens special conditions or other benefits, the rate increases only if the amount in your account increases.

The bank also has programs such as Save and Replenish. They give fewer options to manage funds, but their interest rates are much higher.

They also provide benefits for pensioners - they receive the maximum rate, which depends only on the chosen period; the amount of the deposited amount does not matter. To choose the most profitable offer, use the online calculator for

Interest accrual conditions

• Interest is accrued monthly on the entire deposit amount. The interest rate depends on the selected minimum balance, currency and deposit term.
• The accrued interest is added to the deposit amount, increasing income in subsequent periods.
• The accrued interest can be withdrawn or transferred to the card account.

Increase in interest rate

• The interest rate on your deposit may increase if you increase the deposit amount to a new minimum balance and enter into an additional agreement with the bank on the new minimum balance.

Conditions for early termination

• If you need money before the end of the deposit, you can always get it.
• Bid early termination for deposits opened for up to 6 months - 0.01% per annum.

Early termination rate for deposits opened for a period of more than 6 months:

	If you withdraw the deposit in the first 6 months (main or extended term)	If you withdraw your deposit after the first 6 months
If the amount does not exceed the maximum deposit amount*	0.01% per annum	2/3 of the interest rate on the deposit
If the amount is higher than the maximum deposit amount		For the main amount - 2/3 , for the difference between the deposit amount and the maximum amount - 1/3 of the interest rate on the deposit, valid on the date of its opening or extension

Prolongation conditions

• Automatic prolongation is carried out on the terms and at the interest rate that were in effect for the “Manage” and “Manage Online” deposits on the date of prolongation.
• The number of extensions is not limited.

How to obtain deposit documents

Agreement bank deposit, opened in Sberbank Online, you can print it out in your personal account in the “Transaction History” section yourself, or you can receive it by contacting any Bank office.

Special conditions

• There is a maximum amount limit on the deposit*. If the deposit amount exceeds it, then interest is accrued on the difference between the actual and maximum amounts at a rate of 1/2 of the deposit rate in effect on the date of excess. The reduced rate is applied from the day following the day the excess occurs.
• You can issue a power of attorney or make a testamentary disposition for the “Manage” and “Manage Online” deposits at the bank’s office.

* Maximum deposit amount - the deposit amount at the end of the day on the date of opening or prolongation of the deposit, increased by 10 times. For deposits whose amount at the end of the day of opening or prolongation is less than 100,000 ₽ / 5,000 $ / 5,000 €, the maximum amount is 1 million ₽ / 50,000 $ / 50,000 €.

Banks are constantly developing new types of services to reach all segments of the population. Sberbank is no exception. A team of specialists introduced a deposit in Sberbank, which was called “Manage Online”. This is an attractive deposit that has a number of advantages.

Among the variety of deposits, fixed-term and non-term ones stand out. The terms of term deposits allow you to receive an interest rate every month or quarter. Or withdraw the entire deposit amount along with interest at the end of the agreed period. The contract must include a clause on early withdrawal of funds or a ban on this. This type of investment is placed in the bank for one year. At the same time, it can be replenished and withdrawn.

In order to make services even more accessible, Sberbank offers to make a deposit in two ways. Their difference lies in the place of registration. The “Manage” deposit can be opened at any bank branch if you have a passport. And the “Manage Online” investment can be easily completed at home. All you need is documents and access to Sberbank Online.

Bank conditions for investment:

1. The minimum deposit amount is RUB 30,000/USD 1,000.
2. The minimum replenishment amount through the bank's cash desk is 1000 rubles/100 dollars. Using wire transfer, the investment is replenished by any amount.
3. Duration of investment – ​​from 3 months. up to 3 years.
4. You can calculate Sberbank charges using the calculator on the website. They are divided into two types. This is capitalization, where income is contributed to the underlying investment. And a simple type, according to which payments are made monthly, so they are not added to the body of savings. Interest is calculated on the remaining amount.
5. The client can withdraw his income (interest) at the bank through the cash desk or at any terminal and ATM.
6. The client is allowed to have the opportunity to withdraw his funds before the end of the investment period.
7. According to the agreement, the interest rate is reduced and depends on the actual time of storage of the investment. This works in case of early withdrawal. There is one more nuance. The interest on the investment will be halved if the deposit amount has become 10 times greater than the amount of money specified under the agreement.
8. The investment is renewed automatically. The person's personal presence is not necessary. The investment rate remains current only if the client does not suddenly decide to withdraw the money.

Sberbank, unfortunately, did not provide special conditions for pensioners in the “Manage” investment. But this is a large segment of the population. In 2019, this investment functions the same for all individuals.

Elderly people who are used to keeping money in the bank may consider new deposits such as “Save”, “Top up”.

Pensioners have one privilege that will allow them to open a deposit with a higher interest rate. This is the design of the “Manage Online” attachment.

Interest rate 2019

The rate is affected by the following:

• in what currency the account is opened;
• for what period of time it is issued;
• type of interest accrued (simple/capitalization).

Important. The “Manage Online” deposit has a calculator. With its help, the client calculates his profit. Also, a calculator is available at home page Sberbank website.

Early closure

Clients have the opportunity to complete the agreement with the bank and withdraw their deposit ahead of schedule. If you open a deposit at a bank branch, you need to go there with documents and carry out the procedure. There are a number of conditions for it.

Early withdrawal can be:

• partial – allows withdrawal of any amount that exceeds the minimum balance;
• full – when the client wants to withdraw all savings before the due date.

Regarding the interest rate:

• if the period was up to six months, the percentage is 0.01;
• if the period is more than six months, the rate is 2/3 of the current one.

Finishing work with a contribution

The deposit is closed in the user’s personal account, and it takes a few minutes. To do this you need:

1. Log in with your password and login Personal Area
2. Find the “Deposits and Accounts” tab.
3. Fill in all the required data (deposit number where to transfer the balance of savings).
4. Then open the “Confirmation” window, check everything again and complete the application.
5. Enter the code that comes in the SMS message.
6. At the last step, the bank must confirm with its seal that the deposit is closed.

Advantages and disadvantages of the “Manage” deposit

The benefits are as follows:

• the client has the right to independently choose the validity period of the deposit;
• the interest rate is calculated using an online calculator;
• You can top up your deposit using non-cash means;
• interest on the deposit is accrued daily;
• You can close your deposit early.

The disadvantages are as follows:

• You cannot open a deposit in euros;
• there is a balance of the amount below which you cannot go;
• the interest rate is practically zero if you withdraw the money ahead of schedule;
• the rate is halved if the maximum deposit amount becomes 10 times larger;
• there is always a risk fraudulent activities. Therefore, you need to store all your data in a safe place.

Important. Thus, although the contribution has its disadvantages, there are still more advantages.

The Manage Online deposit allows users to receive interest every month. And what? more money on the account, the greater the reward.

The client manages the account independently using Sberbank online. This eliminates queues at the bank. Online management allows users to carry out operations with a deposit: open, close, deposit money, transfer. If a person trusts bank employees more, then you can visit banking institution, but don't forget your passport.

The interest rate varies depending on the terms. For example, in order to maximize its size, you should not withdraw savings ahead of schedule. Also, you should enter a large amount, then it will be more profitable for the client. When choosing long term investment, the annual amount will be increased.

The client enters into an agreement with the bank for a period from 3 months to 36 months. After the end of the deposit period, automatic prolongation is activated. The rate remains the same.

“Manage Online” from Sberbank - time deposit, which you can open yourself. Use online banking or a special application. Manage your expenses without leaving home!

General information about the deposit

In order to open a deposit, you will need 30,000 rubles/1,000 US dollars (the minimum deposit amount). Deposit opens for a period from 3 months to three years, individually, the accuracy is 1 day.

The interest rate is higher than when opening a similar deposit at a bank branch!

• from 2.75 to 3.80% in rubles,
• from 0.15 to 0.80% in US dollars;

The interest rate on the deposit can be increased under the following conditions:

• automatically when the deposit reaches the next amount gradation
• when concluding an additional agreement to increase the amount of the minimum balance.

Eat monthly capitalization percent. Interest can be transferred to another card/account.

Additional options:

• Cash replenishment of the account with a minimum amount of deposited funds: 1,000 rubles / 100 US dollars. Cashless replenishment - the amount is not limited.
• cash withdrawal - partial, up to the minimum amount of the minimum balance, with the preservation of accrued interest. Interest can be transferred to another card/account.

Deposit return calculator Manage Online

• 10 000 200 000
• 400 000
• 600 000
• 800 000
• 1 000 000

Rubles

6.54 %

Result - v Rubles

Rubles

Conditions for early termination

The conditions for early termination of the agreement for the “Manage Online” deposit are as follows:

1. For deposits with a maturity of less than 6 months - with an interest rate of 0.01% per annum;
2. For deposits with a maturity of more than 6 months:

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

If you terminate the contract early, the interest will be recalculated without taking into account the monthly capitalization.

Features of the deposit

The bank limits deposits to a maximum amount. Maximum amount – Deposit amount at the end of the day of the Deposit Opening Date / Prolongation Date (in case of Deposit Prolongation), increased by 10 times. If the deposit amount is greater than the maximum established, interest is charged on the difference between the amount on deposit in fact and the maximum in the amount of ½ of the deposit rate on the date of excess. The reduced rate is applied immediately on the day following the day the excess occurs.

When claiming deposits after 6 months of the main/extended term, for which the balance exceeds the Maximum amount, the difference between the actual balance and Maximum amount In addition to the coefficient of 2/3, a reduction coefficient of 1/2 is applied.

The specified coefficients are applied to the rate in force on the deposit on the date of opening/extension.

The agreement with the bank is automatically extended on the terms of the “Manage Online” deposit in force on the date of extension. The number of extensions is not limited.

“Manage Online” will be loved by young and energetic people. Don't want to wait in line at the branch? Are you used to handling cash? Not ready to save all your money for a rainy day? Better conditions capital management in a reliable online bank will provide a deposit “Manage Online”.

Opening “Manage Online” is carried out through a personal account on the Internet banking website or in the Sberbank Online application.

Video: How to open a deposit in Sberbank Online Internet banking?