What contributions for individuals is in Sberbank in 2020

Sberbank deposits can be divided into three large groups:

All involve the possibility of capitalization of interest or their monthly withdrawal.

For premium clients who can open a deposit in the amount of more than 700,000 rubles, an increased percentage is provided.

Here, perhaps, and all the nuances. Let's move on to a brief review of the conditions for raising money and interest rates.

Interest on Sberbank deposits in February 2020

Sberbank's new deposit "Catch the Spring"

This is a seasonal promotional deposit that can be issued only from February 19 to March 14, 2020. Moreover, this can only be done via the Internet or at an ATM. The main advantage of the deposit is that it has an increased rate of 5%. True, the investment period is only 5 months.

Conditions

Term: 5 months;
Amount: from 50,000 rubles;
Refill: no
Partial withdrawal: no.
Interest accrual: at the end of the term

Interest rate

5% per annum.

Contribution "Save"

This Sberbank deposit for individuals is distinguished by higher rates compared to other Sber deposits from the basic line. It is suitable for those who can invest a large amount in the bank without planning to use this money until the end of the contract.

The deposit does not provide the possibility of replenishment and partial withdrawal of money without loss of profitability, there is only interest capitalization.

Conditions

Term: from 1 month to 3 years inclusive;
Minimum amount: 1,000 rubles, 100 US dollars;
Refill: no
No

Interest rates

In rubles

Term and amount	1-2 m.	2-3 m.	3-6 m.	6-12 m.	1-2 g	2-3 g	3 g
				4,10 / 4,14
over 100000				4,35 / 4,39
over 400000				4,50 / 4,54

In US dollars

Term and amount	1-2 m.	2-3 m.	3-6 m.	6-12 m.	1-2 g	2-3 g	3 g
					0.65 / 0.65
					0.75 / 0.75
					0.80 / 0.80
					0.85 / 0.85

Deposit calculator: calculate income

Sberbank's online deposit calculator for individuals will help you calculate income depending on the interest rate and term. It allows you to find out the profitability, taking into account capitalization, replenishment and withdrawal of funds from the account.

Deposit "Top up"

This Sberbank deposit for individuals will be convenient for those who prefer to save money in rubles or dollars. It can be replenished by depositing at least 1,000 rubles or $100 in cash into the account. The amount of non-cash replenishment is not limited. Interest rate will increase as soon as the amount of the deposit reaches the next sum gradation as a result of replenishment.

Conditions

Minimum amount: 1,000 rubles, 100 US dollars;
Replenishment: provided;
Partial withdrawal without loss of profitability: not provided.
Capitalization: provided.

Interest rate

At registration in the branch and online, the profitability is the same today.

(without capitalization / with interest capitalization)

In rubles

Term and amount	3-6 m.	6-12 m.	1-2 years	2-3 years	3 y.
from 1 000 with capital.		3,75% 3,78%
from 100 000 with capital.		4% 4,03%
from 400 000 with capital.		4,15% 4,19%

In US dollars

Term / amount	3-6 m.	6-12 m.	1-2 years	2-3 years	3 y.
			0.30 / 0.30
			0.40 / 0.40
			0.45 / 0.45
			0.50 / 0.50

Deposit "Manage"

This deposit is for individuals of Sberbank with partial withdrawal of funds, as well as replenishment of the account.

It is designed to securely store savings with the ability to withdraw part of the money before the deposit expires without losing interest. However, it must be remembered that not the entire amount can be withdrawn without loss of profitability, but only up to the level of the minimum balance - 30 thousand rubles, 100 thousand rubles, 400 thousand rubles, etc.

It is convenient to save money on this deposit, replenishing the account from time to time. But we must remember that an increase in the interest rate with an increase in the amount of the deposit to the next amount gradation will not happen automatically. It will be necessary to conclude an additional agreement to increase the size of the minimum balance.

Conditions

Term: from 3 months to 3 years inclusive;
Minimum amount: 30,000 rubles, 1,000 dollars;
Replenishment: provided;
Minimum replenishment amount: 1000 rubles, 100 dollars in cash / Non-cash - unlimited;
Partial withdrawal without loss of profitability: provided up to the minimum amount of the minimum balance.
Capitalization: provided.

Interest rate

At registration in the branch and online, the profitability is the same today.

(without capitalization / with interest capitalization)

In rubles

Term and minimum balance	3-6 m.	6-12 m.	1-2 years	2-3 years	3 y.
from 30 000 with capital.		3,4% 3,42%
from 100 000 with capital.		3,65% 3,68%
from 400 000 with capital.		3,8% 3,83%

In US dollars

Term and minimum balance	3-6 m.	6-12 m.	1-2 years	2-3 years	3 y.
			0.20 / 0.20
			0.25 / 0.25
			0.30 / 0.30

Deposit "Give Life"

This is a ruble deposit for those who are ready not only to save money, but also to help those in need - children with oncological, hematological and other serious diseases. Every 3 months, Sberbank transfers an amount of 0.3% per annum of the deposit amount to the Podari Zhizn charitable foundation.

Conditions

Term: 1 year;
Minimum amount: 10,000 rubles.
Replenishment: not provided;
Partial withdrawal: not provided.
Capitalization: provided.

Interest rate

4.58% per annum with capitalization;

4.50% per annum without capitalization.

Deposit “Pension-plus of Sberbank of Russia”

This is a retirement income deposit. It is intended for individuals receiving a pension from the Pension Fund of the Russian Federation, non-state pension funds, as well as ministries and departments providing pensions. Opened only in rubles. It will not be possible to issue a Sberbank of Russia Pension Plus Deposit in dollars. Even those who in our country receive a pension in dollars, although we doubt that there are such.

Conditions

Term: 3 years;
Minimum amount: 1 ruble;
Replenishment: unlimited;
Partial withdrawal without loss of interest: up to the level of the minimum balance amount;
Early dissolution: when a deposit is claimed, the rate set on the date of opening (prolongation) of the deposit does not change.

Terms of interest

Interest is charged every 3 months
Accrued interest is added to the amount of the deposit, increasing income in the following periods.

Interest rate

3.67% per annum with capitalization;

3.50% per annum without capitalization.

Sberbank savings account

For daily free disposal of money in the account.

Conditions

Term: indefinitely.
Minimum amount: unlimited;
Replenishment: unlimited;
Partial withdrawal: unlimited.

Interest rates

up to 1.80% per annum in rubles;

0.01 in US dollars, euros, Canadian dollars, Hong Kong dollars, Singapore dollars, Chinese yuan and pounds sterling.

In difficult economic situation the safest option for getting passive income risk-free is opening a bank deposit. It is most reasonable to open a deposit in big bank such as Sberbank. There are several reasons for this: the bank is reliable and is the largest in the country, as well as the fact that you can open a deposit and receive interest through your personal account.

There are several ways to open a deposit in Sberbank:

1. visit the branch and deposit funds into the account in cash
2. at the nearest ATM
3. through the Sberbank Online personal account

The first way to open a bank deposit is long and inconvenient - you need to withdraw cash and go to the bank with it, then wait in line for the cashier-operator, wait until the deposited money is counted and an agreement is drawn up. This can take half an hour if there is no queue in the department. The second way is a little faster - you need to insert your cards into an ATM and then make a deposit. The third method is the most optimal, to complete the operation, you need to go through the following steps:

What deposits does Sberbank offer?

The line of deposits in Sberbank has not changed for a long time, only interest rates have changed. Contributions are represented by the following proposals:

1. Contribution "Save"
2. Deposit "Top up
3. Deposit "Manage
4. Deposit "Social
5. Deposit "Give Life"
6. Deposit "Top up in the name of the child"
7. Contributions for pensioners
8. Deposit "Pension Plus"
9. Deposit "Without Passport" (limited deposit, valid from 01.12.2018 to 31.01.2019)

Contribution "Save"

The deposit is suitable for those who want to get the maximum profit - the deposit is opened once, deposits and withdrawals from the deposit account are not allowed. Interest on the deposit is calculated monthly. When closing a deposit with a term of up to 6 months - the interest rate will be 0.01% per annum, if the term was more than 6 months, then the client will be paid 2/3 of the current interest rate.

• Minimum deposit amount
• Interest rate: up to 5.15% (online), up to 5% at the bank office
• Partial withdrawal: No
• Replenishment: No
• Term: 1 month - 3 years

Deposit "Top up"

The deposit is designed for clients who plan to deposit additional funds into their account. Partial withdrawals are not allowed. Maximum amount deposit - the amount of the deposit at the end of the day of the date of opening or prolongation of the deposit, increased by 10 times. For deposits for which the deposit amount at the end of the day of the opening or prolongation date is less than 100,000 ₽ / 5,000 $ / 5,000 €, the maximum amount is 1 million ₽ / 50,000 $ / 50,000 €.

• Minimum deposit amount: from 1,000 rubles ($100)
• Interest rate: up to 4.70% (online), up to 4.55% at the bank office
• Partial withdrawal: No
• Replenishment: Yes
• Term: 3 months to 3 years

Contribution "Manage"

The deposit allows you to make a partial withdrawal of funds without losing interest.

• Minimum deposit amount: from 30,000 rubles (from 1,000 dollars)
• Interest rate: up to 4.40% (online), up to 4.25% at a bank branch
• Partial withdrawal: Yes
• Replenishment: No
• Term: 3 months to 3 years

"Social" deposit

Special contribution for children left without parental care and veterans / disabled veterans of the Second World War. Open this contribution You can only in the branch of Sberbank. Interest is calculated quarterly.

• Minimum deposit amount: 1 ruble
• Interest rate: 4.25% in rubles
• Partial withdrawal: Yes
• Replenishment: Yes
• Term: 3 years

Deposit "Give Life"

The contribution is intended to help children with serious illnesses. The bank transfers money every quarter to the Podari Zhizn charity fund.

• Minimum deposit amount: 10 000 rubles
• Interest rate: 5.05% in rubles
• Partial withdrawal: No
• Replenishment: No
• Term: 1 year

Deposit "Top up in the name of the child"

Great gift for an adult child. The deposit can be replenished by parents and relatives, and only a child who reaches the age of 18 can receive money. From the age of 14, a child can withdraw interest, as well as replenish a deposit. You can open a deposit only at a bank branch.

• Minimum deposit amount: from 1000 rubles ($100)
• Interest rate: up to 4.55% in rubles
• Partial withdrawal: Yes
• Replenishment: Yes
• Term: full disposal of funds is available upon reaching the age of 18.

Contributions for pensioners

For pensioners on deposits "Replenish" and "Save" special conditions- regardless of the amount, the maximum interest rate is applied. When applying through the personal account of Sberbank Online, the interest rate is set only for pensioners by age - women over 55 years old and men over 60 years old. If you already have one of the deposits listed above open, when you reach retirement age after the prolongation of the deposit, the interest rate will increase automatically. The maximum deposit amount for pensioners is not limited.

• Minimum deposit amount: from 1000 rubles
• Interest rate: up to 5.15%
• Term: 3 months to 3 years

Deposit "Pension Plus"

• Minimum deposit amount: from 1 ruble
• Interest rate: 3,5%
• Partial withdrawal: Yes
• Replenishment: Yes
• Term: 3 years

Deposit "Without Passport"

And finally, we have come to an overview of the promotional deposit of Sberbank, which is available for opening from December 1, 2018 to January 31, 2019 - the deposit "Without a passport". This deposit allows you to get the maximum interest rate of 7% when opening a deposit for 1 year. The maximum deposit amount is not limited. You can make a deposit only at the bank's ATM or at personal account Sberbank Online.

• Minimum deposit amount: 50 000 rubles
• Interest rate: from 6.5% (with a deposit term of 5 months) to 7.5% (with a deposit term of 12 months)
• Partial withdrawal: No
• Replenishment: No
• Term: 5 months to 12 months

What is the most profitable deposit of Sberbank

The most profitable deposit is the one that Sberbank launches in December (promotional), for which the client is offered the maximum interest rate. Also, Sberbank periodically shares promotional codes on social networks, and when they are used, the deposit rate also increases. It is also worth paying attention to the Sberbank First premium service package - within this package, the deposit rate is 1% higher. In addition, you should pay attention to the conditions of the deposit - some deposits allow replenishment and partial withdrawal of funds.

What deposits did Sberbank prepare for December 2019 for individuals. To date, Sberbank has deposits with increased interest rates of up to 5.45% for owners of the Sberbank First package and up to 6.10% for the Sberbank Premier package. Note that this is the most profitable% rate, unlike conventional investments. The bank often makes promotions and promotional deposits to attract customers. As a rule, the rate for opening such deposits is temporary, approximately 2-3 months. For ordinary investments, the bank's interest is small when compared with competitors.

Deposits for customers "Sberbank First" - high interest

The Sberbank First level package is available, as a rule, to wealthy clients who can open deposits for a large amount and whose account balances are in the millions. Here are the main conditions to become a similar client and receive up to 6.10% on deposits.

• It is necessary to open a deposit in the amount of 5 million R / 150 thousand $.
• The cost of the package is 10 thousand rubles (if the amount on the account is less than 10-15 million rubles)
• Interest rate is 1% higher

Advantages of the Sberbank First package

1. You will receive a personal financial advisor
2. Preferential, more favorable rates currency exchange
3. $1 million travel insurance for the whole family
4. Access to airport lounges for you and your companions
5. Increased bonuses THANK YOU

Questions and answers on Sberbank deposits

Can I open several deposits in my name at once?

You can open any number of deposits.

In what currency can I open a deposit?

Depends on the deposit: Save, Replenish and Manage can be opened in rubles or dollars. If you want an account in euros, use the Savings Account at 0.01% per annum.

What benefits are there for pensioners when opening a deposit?

Pensioners will receive maximum percentage on deposits Save and Replenish, regardless of the amount of money invested.

Under what conditions is the deposit renewed?

If you have not withdrawn the money from the deposit, it is automatically renewed on the terms and at the rate that are in effect on the date of prolongation. Thus, the interest on the deposit may change. If the deposit is no longer valid, it is extended on demand at a rate of 0.01% per annum, as specified in the agreement.

How to withdraw money from an account or passbook from another region?

Contact the office and submit a request for a transfer from another region. In three business days, the money will be in your bank.

Is it possible to withdraw the interest added to the deposit amount and in what way?

The interest added to the deposit amount can be withdrawn at any time in whole or in part. Get interest through Sberbank Online or at a bank office.

Having decided to place your savings in a deposit bank account, it is important to determine which is the most profitable deposit in Sberbank. It is not so easy to give an unambiguous answer to this question, since each person understands the benefits in his own way and in each case the priorities differ. To choose the best offer for deposits from Sberbank, you need to determine the selection criteria, starting from which you can clarify the situation a little.

Page content

Today, Sberbank has several deposit programs for individuals:

1. "Save" - ​​a deposit with the highest possible interest rates.
2. "Replenish" - a deposit for a stable accumulation of funds.
3. “Manage” is a contribution for those who need to control their finances and manage them at their own discretion.
4. "Save Online" is an analogue of the "Save" program.
5. "Replenish Online" - an offer similar to the "Replenish" deposit.
6. "Manage Online" is an alternative to the usual "Manage" deposit.
7. "Give Life" is a deposit program, the purpose of which is charity for the treatment of children with serious illnesses.
8. "Savings account" - a bank account where you can keep money and receive remuneration for this in the form of interest, as well as dispose of funds at your discretion.

Ruler term deposits"Online" involves opening and closing deposits remotely through the "", ATMs or information and payment terminals at a higher interest rate than similar types of deposits that are opened directly at a Sberbank branch through an operator. Therefore, online deposit programs from Sberbank are more profitable deposits than their counterparts, according to two criteria at once:

• higher interest rate for depositing funds into the account;
• no need to visit a bank branch to open an appropriate account.

It can be assumed that in this case, the most advantageous is the one banking product, according to which the system calculates the most high percent. But not everything is so simple. After all, each of these programs has a number of other conditions and it may happen that with a high interest rate, one of these conditions will be completely unacceptable for you.

Important! The choice of the most profitable deposit offer from Sberbank should be approached more thoroughly.

Sberbank customer reviews

If we analyze the reviews of bank depositors, we can conclude that for some clients the offer with the highest possible interest rates is the most profitable, for others the main role is played by the possibility of partial withdrawal or regular replenishment of the deposit account. Here's what current Sberbank customers say:

• Client:“I have been a regular customer of Sberbank for a long time, but only recently I decided to entrust the storage of my savings to him. I wanted the money not only to lie on bank account, but also brought some profit. Even if this profit is only one hundred rubles, this is already a lot compared to the fact that they were kept at home. I carefully studied all the banking offers and made a choice in favor of the “Manage” deposit, although under the terms of this program, almost the lowest interest rate applies. It was important for me that I had the opportunity to freely dispose of money, even if they are on deposit. For some reason, it's safer for me."
• Client:“Of the possible options for existing deposits in Sberbank, we chose “Save Online” without hesitation. Firstly, this program has the largest percentage of deposits in Sberbank today. Secondly, you can’t withdraw money here, so we won’t be able to spend it impulsively and thoughtlessly. Thirdly, we liked that minimum term deposit is one month. It's very beneficial and convenient."
• Client:“For several years in a row I tried to save up for a car, but there were always cases when you either urgently needed money, or someone needed to borrow it. In general, nothing worked until a friend advised me to put my savings on a deposit with the possibility of replenishing the account. At that time, Sberbank had two offers with suitable conditions -. Although the last deposit has a higher interest rate, I chose to entrust my savings to the Replenish program, because I feel safer when I have paper contract with wet seals and signatures from both sides.

Based on the responses of contributors, in each case, the benefit may differ, since everyone has different priorities, but it is possible to determine the beneficial contribution among many similar proposals according to a set of quality criteria. The concept of a profitable deposit implies the following criteria that determine the rating of deposit offers:

• the reliability of the bank;
• convenient terms;
• the presence or absence of the possibility of replenishment and partial withdrawal of funds from the account;
• competitive interest rate;
• the possibility of prolonging the agreement on opening a deposit;
• capitalization or the possibility of withdrawing interest;
• the minimum amount of the initial contribution and replenishment (if this is in principle possible under the terms of the program);
• deposit currency and others.

Despite the many factors that determine the benefits for depositors, it is the high interest rate that attracts most of the clients. In Sberbank, the profit from a deposit can vary greatly from 0.01% to 5.63%, and, first of all, the rate is influenced by the currency in which the client opens a deposit account.

The most profitable deposit in rubles

Open deposit in national currency you can use all deposit programs of Sberbank, the main thing is to choose the optimal conditions for yourself. In almost all options, except for the “give life” program, the interest rate is floating, and its size depends on two factors:

• term of the deposit agreement;
• deposit amounts.

Table. Rates on ruble deposits in Sberbank.

Considering the fact that the rates "float" and after analyzing all deposit programs, we can conclude that the maximum percentage on deposits will be:

1. “Save”, “Replenish Online”, “Replenish”, provided that the deposit amount is more than 700 thousand rubles, and the term is 3-6 months.
2. "Save Online", if the contribution is from two million rubles for a maximum period, that is, three years inclusive.
3. "Savings account", provided that the minimum minimum balance will be two million rubles or more.

Attention! The “Give Life” deposit has a fixed interest rate, which is 5% of the deposit amount.

Based on the above data, today it is more profitable for a period of three to six months. If it is important for you to have the possibility of replenishing the deposit without the possibility of withdrawing, then it is better to give preference to the "Deposit Online" deposit for the same period. In the case when you need to constantly withdraw and deposit money into the account, the Manage Online deposit will be the best option. In any case, deposits of the "Online" line are comparatively more profitable.

The most profitable deposit in foreign currency

As regards deposits in foreign currency, then Sberbank customers can place their savings only in US dollars and euros. You can choose any deposit program, with the exception of the “Give Life” deposit, which can only be opened in rubles. As in ruble deposits, so in foreign currency, the interest rate is “floating” and depends on the same factors that affect its size in the case of a ruble deposit, that is, on the term and amount.

The highest percentage for currency deposit programs is valid in the "Save Online" offer and amounts to 1.25% per annum of the deposit amount, but this rate will be valid only if the deposit amount exceeds 20 thousand USD, and the validity period is 36 months inclusive. Other deposit programs also offer the highest rate on similar terms.

The rates are indicated taking into account the accumulation (capitalization) of accrued interest.

Based on the above data, the following conclusions follow:

• it is profitable to put money at interest under the "Save Online" program, the most favorable conditions apply there;
• the highest rate for each type of deposit is valid only on condition that the deposit amount is at least twenty thousand US dollars and it is open for a period of 3 years;
• the interest rate on a deposit in euro is stable, is 0.01% and does not depend on either the term or the amount of the deposit.

Most profitable offer from Sberbank on deposits are valid only under certain circumstances, on which the size of the interest rate actually depends. But when choosing a deposit, you need to build on not only the thirst for profit, but also other related conditions that determine the benefits and convenience for potential Sberbank depositors.

The maximum interest on Sberbank deposits for individuals for 2017: rubles - 6.49% per annum (on the days of promotions - up to 10.00% per annum), dollars - 1.06%, euros - 0.01%.

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

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

Of course, the policy is “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 deposits up to 1.4 million rubles).

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

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

2. Deposit program "Replenish" - with the option of replenishment

In contrast to the above program, in this deposit, there was a replenishment. You can replenish the deposit in the amount of 1,000 rubles, during the entire period of stay.

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

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

Deposit term from 3 months to 3 years. Most favorable rates under the program "Replenish", "lie" in the time interval from 6 to 12 months.

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

You have the opportunity to increase the percentage 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 the euro - 0.01% per annum.

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

For deposits of pensioners, the maximum rate of the time period applies, regardless of the amount of the deposit.

Early termination up to 6 months - “threatens” with recalculation of the rate by 0.01% per annum. With a “deposit life” of 6 months, you will retain 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 during the entire period.

Here is the lowest interest rate, figuratively speaking, the difference in percentage "left" to pay for 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, euro - standard 0.01% per annum.

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

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

You can replenish the deposit from the amount: 1,000 rubles, 100 euros / dollars.

Accrued interest (calculation is carried out monthly), each depositor manages individually: either transfers for capitalization, or withdraws 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)

* – interest capitalization rates.

Deposit term from 3 months to 3 years.

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

Early termination: up to 6 months of the "active" deposit - at a rate of 0.01% per annum, upon termination of 6 months - 2/3 of the interest rate valid at the time of opening is retained.

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

Contribution with the help of sick children who suffer from severe oncological, hematological and other diseases.

Charitable assistance consists in 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 the contributors there are hardly any people who are indifferent to such assistance.

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

If you do not want to use capitalization, then base rate– 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 “Give Life” program does not provide for replenishment and partial withdrawal operations.

Interest is calculated 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 valid at opening is retained.

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

For pensioners who receive their pensions into the account Pension Fund RF, Sberbank has developed 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 contribution come with replenishment (unlimited) and partial withdrawal (up to an irreducible balance), but such a low rate, for completely “impoverished” pensioners, is “shameful and insulting”.

And dear pensioners can only be advised 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.