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

Current interest rates on deposits with Sberbank for 2018

Name of deposit	Max. % bid	Deposit term	Min. sum	Replenishment	Part. withdrawal
Deposit "Give Life"	5,00 %	1 year	from 10000 rub.	–	–
Deposit "Top up"	4,50 %	from 3 months up to 3 years.	from 1000 rub.	+	–
Deposit "Top Up Online"	5,00 %	from 3 months up to 3 years.	from 1000 rub.	+	–
Contribution "Save"	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.	–	–
Deposit "Manage"	4,20 %	from 3 months up to 3 years.	from 30000 rub.	+	+
Deposit "Manage Online"	4,70 %	from 3 months up to 3 years.	from 30000 rub.	+	+
savings account	2,30 %	Indefinitely	-	–	–

You can see more detailed and most accurate information on deposits 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, for different categories population provide additional solutions and special offers. Interest on the deposit is calculated based on the amount invested, the currency and the term chosen by the client. Plastic bag " Term deposits» is available to both large businessmen and average pensioners.

"Save"

Deposit conditions:

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: 1000 rubles, 100 dollars.
Deposit term:1 month - 3 years inclusive.

Replenishment:not provided
Partial withdrawal:not provided.

The term of the deposit for each specific case is calculated individually up to a day.

"Replenish"

Deposit conditions:

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: 1000 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 fully manage it.

Did you know? Behind last years Sberbank increased lending to 70%, while competitors have this figure at the level of 21%.

"Control"

Deposit conditions:

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 conditions:

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.

Every 3 months, Sberbank transfers 0.3% per annum of the deposit amount to the Podari Zhizn charity fund.

"Onlike"

Deposit conditions:

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 withdrawal:not provided

"Major Benefit"

Deposit conditions:

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 withdrawal:not provided

"Social"

Deposit conditions:

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 of the Great Patriotic War. It can only be opened at a branch of Sberbank in the name of an orphan child by his legal representative upon presentation of an act of the guardianship and guardianship authority on the establishment of guardianship / guardianship / placement of the child in a specialized social institution, as well as a veteran or invalid of the Second World War upon presentation of a certificate of a veteran of the Great Patriotic War/certificates of the invalid of the Great Patriotic War.

"Pension-plus of Sberbank of Russia"

Deposit conditions:

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 termless deposits, category "deposits for settlements"

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

"On demand of Sberbank of Russia"

Deposit conditions:

Interest rate -0.01% for all currencies

Deposit currency: Ruble / US dollar / Euro / Pound sterling / Swiss francs/ Swedish krona / Singapore dollars / Norwegian kroner / Danish krone / Canadian dollars / Australian dollars / Japanese yens ;
Minimum deposit amount:.
Deposit term:indefinitely.

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

In force majeure circumstances, when it becomes necessary to withdraw all the money invested, you have the right to terminate the agreement with the bank ahead of schedule and withdraw your deposit. In this case, the 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. For long-term storage, you can draw up a power of attorney or make a will on your savings.

"Savings account"

Deposit conditions:

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

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

Replenishment:not limited
Partial withdrawal:not limited.

Deposit "Universal Sberbank of Russia"

Deposit conditions:

Interest rate -0.01% for all currencies

Deposit currency: Rubles / US dollars / Euros / Pounds sterling / Swiss francs / Swedish krona / Singapore dollars / Norwegian krone / Danish krone / Canadian dollars / Australian dollars / Japanese yens;
Minimum deposit amount:10 rubles / 5 US dollars / the equivalent of 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 branches of Sberbank. The list of branches where it is available can be found here.

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

"Nominal account for crediting social payments"

Deposit conditions:

Interest rate -3,67% .

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

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

A nominal account for crediting social benefits is opened at Sberbank branches for parents/guardians/custodians to credit social funds specified in Article 37 of the Civil Code of the Russian Federation: amounts of alimony, pensions, benefits, compensation for harm to health and harm suffered in the event of the death of the breadwinner, as well as other funds paid to them for the maintenance of minors / incapacitated / partially capable citizens who are beneficiaries of a nominal account. To open it, it is enough for the Parent to present their identity document and the birth certificate of a child under the age of 14 or the birth certificate and passport of a child aged 14 to 18, while no permission from the guardianship and guardianship authorities is required to be provided to the Bank . In order to open a Nominal Account, the Guardian/Trustee presents his identity 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/partially incapacitated citizen, Act of the body of guardianship and guardianship on the appointment of a guardian (custodian ), confirming the powers 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. Deposits in banks are possible only in Russian rubles to a nominal account intended for social payments. How much money to put on the deposit, the depositor decides. To withdraw funds, you do not need prior permission from the guardianship and guardianship authorities.

The account may not exist. limited 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 the transfer of 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 money, taking into account the rate agreed upon when opening the deposit. All changes in interest rates will also be taken into account.

General terms of deposits

All deposits differ in interest rate, term, minimum amount and various conditions for replenishment and withdrawal. But they also have the same items in the provision:

Terms of interest

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

An increase in the interest rate occurs when the amount of the deposit of the next amount gradation is reached. For example, if you opened a "Replenish" deposit in the amount of 100,000 rubles, and subsequently its amount reached 400,000 rubles, then interest rate from the value of 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, then the deposit amount will be recalculated and returned based on the interest rate of 0.01% per annum;
3. If the deposit was opened for a period of more than 6 months:
   - when claiming a deposit within the first six months - recalculation according to the rate of 0.01%;
   - when claiming a deposit after the sixth month - based on 2/3 of the interest rate set by Sberbank at the time of opening the deposit.

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

Prolongation conditions

• The number of extensions is not limited;
• Automatic renewal is subject to the same terms and at the same interest rate as on the date of renewal.

Conditions for pensioners

Sberbank has developed special conditions for pensioners who open "Replenish" or "Save" deposits:

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

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 instruction how to open a deposit in the Sberbank Online system, in the document attached below.

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

Current interest rates on deposits with Sberbank for 2018

Name of deposit	Max. % bid	Deposit term	Min. sum	Replenishment	Part. withdrawal
Deposit "Give Life"	5,00 %	1 year	from 10000 rub.	–	–
Deposit "Top up"	4,50 %	from 3 months up to 3 years.	from 1000 rub.	+	–
Deposit "Top Up Online"	5,00 %	from 3 months up to 3 years.	from 1000 rub.	+	–
Contribution "Save"	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.	–	–
Deposit "Manage"	4,20 %	from 3 months up to 3 years.	from 30000 rub.	+	+
Deposit "Manage Online"	4,70 %	from 3 months up to 3 years.	from 30000 rub.	+	+
savings account	2,30 %	Indefinitely	-	–	–

You can see more detailed and most accurate information on deposits 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 amount invested, the currency and the term chosen by the client. The "Term deposits" package is available to both large businessmen and average pensioners.

"Save"

Deposit conditions:

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: 1000 rubles, 100 dollars.
Deposit term:1 month - 3 years inclusive.

Replenishment:not provided
Partial withdrawal:not provided.

The term of the deposit for each specific case is calculated individually up to a day.

"Replenish"

Deposit conditions:

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: 1000 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 fully manage it.

Did you know? In recent years, Sberbank has increased lending to 70%, while its competitors have this figure at the level of 21%.

"Control"

Deposit conditions:

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 conditions:

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.

Every 3 months, Sberbank transfers 0.3% per annum of the deposit amount to the Podari Zhizn charity fund.

"Onlike"

Deposit conditions:

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 withdrawal:not provided

"Major Benefit"

Deposit conditions:

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 withdrawal:not provided

"Social"

Deposit conditions:

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 of the Great Patriotic War. It can only be opened at a branch of Sberbank in the name of an orphan child by his legal representative upon presentation of an act of the guardianship and guardianship authority on the establishment of guardianship / guardianship / 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 /certificates of the invalid of the Great Patriotic War.

"Pension-plus of Sberbank of Russia"

Deposit conditions:

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 termless deposits, category "deposits for settlements"

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

"On demand of Sberbank of Russia"

Deposit conditions:

Interest rate -0.01% for all currencies

Deposit currency: Ruble / US dollar / Euro / Pound sterling / Swiss franc / Swedish krona / Singapore dollar / Norwegian krone / Danish krone / Canadian dollar / Australian dollar / 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 it becomes necessary to withdraw all the money invested, you have the right to terminate the agreement with the bank ahead of schedule and withdraw your deposit. In this case, the 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. For long-term storage, you can draw up a power of attorney or make a will on your savings.

"Savings account"

Deposit conditions:

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

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

Replenishment:not limited
Partial withdrawal:not limited.

Deposit "Universal Sberbank of Russia"

Deposit conditions:

Interest rate -0.01% for all currencies

Deposit currency: Rubles / US dollars / Euros / Pounds sterling / Swiss francs / Swedish krona / Singapore dollars / Norwegian krone / Danish krone / Canadian dollars / Australian dollars / Japanese yens;
Minimum deposit amount:10 rubles / 5 US dollars / the equivalent of 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 branches of Sberbank. The list of branches where it is available can be found here.

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

"Nominal account for crediting social payments"

Deposit conditions:

Interest rate -3,67% .

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

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

A nominal account for crediting social benefits is opened at Sberbank branches for parents/guardians/custodians to credit social funds specified in Article 37 of the Civil Code of the Russian Federation: amounts of alimony, pensions, benefits, compensation for harm to health and harm suffered in the event of the death of the breadwinner, as well as other funds paid to them for the maintenance of minors / incapacitated / partially capable citizens who are beneficiaries of a nominal account. To open it, it is enough for the Parent to present their identity document and the birth certificate of a child under the age of 14 or the birth certificate and passport of a child aged 14 to 18, while no permission from the guardianship and guardianship authorities is required to be provided to the Bank . In order to open a Nominal Account, the Guardian/Trustee presents his identity 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/partially incapacitated citizen, Act of the body of guardianship and guardianship on the appointment of a guardian (custodian ), confirming the powers 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. Deposits in banks are possible only in Russian rubles to a nominal account intended for social payments. How much money to put on the deposit, the depositor decides. To withdraw funds, you do not need prior permission from the guardianship and guardianship authorities.

The account can 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 the transfer of 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 money, taking into account the rate agreed upon when opening the deposit. All changes in interest rates will also be taken into account.

General terms of deposits

All deposits differ in interest rate, term, minimum amount and various conditions for replenishment and withdrawal. But they also have the same items in the provision:

Terms of interest

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

An increase in the interest rate occurs when the amount of the deposit of the next amount gradation is reached. For example, if you opened a "Replenish" deposit in the amount of 100,000 rubles, and subsequently its amount reached 400,000 rubles, then the interest rate will increase from 3.8% 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, then the deposit amount will be recalculated and returned based on the interest rate of 0.01% per annum;
3. If the deposit was opened for a period of more than 6 months:
   - when claiming a deposit within the first six months - recalculation according to the rate of 0.01%;
   - when claiming a deposit after the sixth month - based on 2/3 of the interest rate set by Sberbank at the time of opening the deposit.

In case of early repayment of the deposit, the interest is recalculated without taking into account the monthly capitalization.

Prolongation conditions

• The number of extensions is not limited;
• Automatic renewal is subject to the same terms and at the same interest rate as on the date of renewal.

Conditions for pensioners

Sberbank has developed special conditions for pensioners who open "Replenish" or "Save" deposits:

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

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

We suggest that you familiarize yourself with the detailed instructions on how to open a deposit in the Sberbank Online system in the document attached below.

Sberbank deposits for individuals in 2020 have become less attractive due to rate updates. How much favorable interest and offers the population today largest bank Russia, read on this page. The calculator will help you calculate your income.

Sberbank of Russia in 2020 offers its customers 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 ability to manage funds. To choose the right one, you need to understand why you put money in the bank.

You can issue them in rubles and dollars. The bank temporarily does not open new deposits in euro, offering to use in euro at a rate of 0.01% per annum.

Pensioners receive special benefits when making a deposit at Sberbank. They will receive the maximum interest from the minimum amount on the "Save" and "Replenish" deposits. See more

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

Note that all deposits in Sberbank today have the possibility of interest capitalization.

Deposits in Sberbank for individuals: interest and conditions

In 2020, Sber updated the rates for deposits in rubles and dollars. Read at what percentage you can open basic Sberbank deposits for individuals today. Compare terms to find the best option for you.

Deposit calculator

Seasonal deposit of Sberbank "Catch the Spring"

This is a new promo deposit that can only be issued from February 19 to March 14, 2020. And only remotely: via the Internet or at an ATM. The deposit has an increased rate of 5%, the investment period is 5 months.

(+) Plus: high profitability.

(-) Minus : Without replenishment and partial withdrawal.

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

Sberbank deposit "Save"

You should pay attention to this deposit for individuals if you need to securely save money and receive a guaranteed stable income. By putting 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 partial withdrawal of money without losing interest.

Conditions

• Term: 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 conditions of this deposit of individuals are similar to the “Save” deposit, only it is opened via the Internet. And interest rates are the same today.

Few? Look at the interest rate on deposits at VTB Bank today.

Sberbank deposit "Replenish"

This deposit will be of interest to those who prefer to save and regularly save money. You cannot withdraw the 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 replenish the account.

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

Conditions

• Term: 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 "Top Up Online"

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

Doesn't fit? See deposit rates at Rosselkhozbank -

Deposit of Sberbank "Manage"

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 interest accrued monthly can be withdrawn or capitalized.

(+) Plus: there is the possibility of replenishing the account and partial withdrawal of money without losing interest.

(-) Minus: low interest rate.

Conditions

• Term: 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 to date.

Deposits with higher rates

These are premium deposits that can be opened not by all individuals, but only by the 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 for Premier package holders;
• From 5 million rubles and 150,000 dollars for clients with the First package.

Other conditions for premium deposits are the same as for basic ones.

Contribution "Special Save"

A deposit with increased rates for owners of the Sberbank Premier or Sberbank First service package. It is opened in the amount of 700,000 rubles or 50,000 dollars. Depositing and withdrawing money (except for interest) before the end of the term is prohibited.

Contribution "Leader Save"

Contribution "Special Refill"

This is a replenishable deposit with increased rates for owners of the Sberbank Premier/Sberbank First service package. It is opened in the amount of 700,000 rubles or 50,000 dollars. You can replenish 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. It is opened in the 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. It is opened in the amount of 700,000 rubles or 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. It is opened in the amount of 5 million rubles or 150,000 dollars. Replenishment and partial withdrawal of money from the account is allowed.

See interest 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 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.

(+) Plus: there is the possibility of replenishing the account and partial withdrawal without loss of interest.

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

Conditions

• Term: 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 deposits for pensioners in banks

Social deposit

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

(+) Plus: the possibility of replenishment and partial withdrawal without loss of interest.

(-) Minus: low profitability, restrictions on the term and categories of clients.

Conditions

• Term: 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's contribution "Give life"

This deposit is charitable. Part of the funds is directed to help 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;
• 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

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

Conditions

• Term: Indefinitely;
• Currency: Rubles / Dollars / Euro / others;
• 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 draw up Sberbank deposits for individuals

Opening a deposit at Sberbank is easy, the main thing is that you have money that you can deposit with the bank!

1. In the office. To make a deposit, it is enough to contact any of the bank branches with money and a passport. Sberbank employees will complete all the necessary paperwork, and you will only have to sign where required.

2. Online. If you are already a client of Sberbank and use the Internet Bank, then you can open a deposit without leaving your home. Log in to the Internet bank, select the appropriate deposit and click the "Open deposit" button.

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

Can I open multiple deposits at once?

Yes. The client can make any number of deposits.

Can I open a deposit for another person?

Yes. To open a deposit for another person, you need your passport and a notarized photocopy of the passport of the person for whom the deposit is being made.

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

No. The deposit is opened only for one person. But the client can issue a power of attorney to manage the deposit for free. 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 office of Sberbank. Moreover, a trusted 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 before the end of deposits, they can always be received.

Early dissolution deposits "Save", "Replenish", "Manage" and "Give Life" is subject to the following conditions:

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

2. For deposits for more than 6 months:

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

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

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

FAQ

? What is an irreducible balance?
This is the minimum amount that must be kept in your account during the term of the deposit.

? What's happened maximum amount contribution?
This is 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.

? What is interest capitalization?
This is a 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 get them through Sberbank Online or at a bank office.

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

Conclusions: what are the benefits of deposits of individuals in Sberbank

Sberbank changed the rates on deposits of individuals downward. In the leadership of this very big bank Russia was explained that in this way the bank follows the general trend of lowering interest rates, which has emerged in the country. So how much high rates on deposits in Sberbank today in Moscow, St. Petersburg and other cities of Russia, is it really profitable to place money at interest in this bank now? Let's figure it out together.

In the line of deposits of Sberbank today there are several deposits for different types of money management. There is a deposit for those who are ready to deposit funds for several years and not touch them in the hope of getting the maximum percentage. And there are deposits for those who need to take part of the money from time to time or replenish the deposit. The rates for deposits with and without replenishment, respectively, are different.

In Sberbank today you can only open deposits in rubles and US dollars. The Bank temporarily does not open new deposits in euro, offering to use the Savings account in euro at the rate of 0.01% per annum.

Interest on deposits in Sberbank today - in 2020

1 Deposit "Save"- not replenished and without partial withdrawal. Deposit term: from 1 month to 3 years inclusive.

The rates on this deposit today are (% per annum):

From 2.7 to 4.5% in Russian rubles;
from 0.01 to 0.85% in US dollars.

2 Deposit "Top up"- replenishable, but without partial withdrawal. Deposit term: from 3 months to 3 years inclusive.

The rates on this deposit today are (% per annum):

From 3.10 to 4.19% in Russian rubles;
from 0.01 to 0.50% in US dollars.

3 Deposit "Manage"- replenished and with partial withdrawal. Deposit term: from 3 months to 3 years inclusive.

Rates today are (% per annum):

From 2.45 to 3.83% in Russian rubles;
from 0.01 to 0.30% in US dollars.

Festive promotional deposit of Sberbank 2020

Contribution "Catch the Spring"

This is a promotional deposit for individuals, which can be issued only from February 19 to March 14, 2020. Opens only online and ATM.

Conditions

Term: 5 months.
Amount: from 50,000 rubles.
Refill: No
Partial withdrawal: No
Interest: at the end of the term
Early termination: at a rate of 0.01%

Interest rates

5% per annum in rubles

In the line of basic deposits of Sberbank today there are other deposits, for example:

☑ Gift of Life charitable deposit for a period of 1 year with an interest rate of 4.58% with a capitalization in rubles,

☑ "Pension plus" for 3 years at 3.67%.

See full list deposits of individuals of Sberbank with interest rates and conditions on this page >>

The most profitable deposit of Sberbank today - conclusions

More recently, more high percent on the deposit can be received if you open a deposit not at the bank office, but through Personal Area Sberbank Online. But today, the rates on deposits opened at a bank branch and via the Internet have become equal.

This means that in order to receive the maximum percentage, it is no longer necessary to make a deposit at Sberbank Online or an ATM. You can also open it at a bank branch.

How to choose the best offer? To do this, we calculate how much income you can get if you make each of the deposits for a period of 1 year and invest, for example, 400,000 rubles. To do this, use the Sberbank deposit calculator.

So, if you invest 400,000 rubles for 1 year, then the income will be as follows:

So, a simple calculation showed that with such a ratio of the amount and the term The most profitable deposit in Sberbank today is the Podari Zhizn deposit.

But with a term of 5 months, the most attractive rate of 5% per annum has a deposit "Catch the Spring"

If you plan to invest money for other periods, then the “Save” deposit will give the highest income.

But this is without taking into account those deposits that are available only to customers with Premium service packages.

See also:

Sberbank deposits for pensioners: increased interest >>

How to make the most profitable deposit of Sberbank

There are several ways to open a deposit:

1. In the Internet bank Sberbank Online.
Sign in to Sberbank Online → Deposits and accounts → Opening a deposit → Select a deposit and specify the conditions → Confirm → Deposit is open!

2. IN mobile application Sberbank Online.
Log in to the application → Deposits and accounts → Select a deposit and specify the conditions → Confirm → Deposit is open!

3. At an ATM.
Insert the card and enter the PIN code → "Cards, deposits and loans" → "+ New Product» → Open a deposit.

4. At a bank branch.
You can also make an online deposit at the office! To do this, you need to use a public computer, if one is available in your bank branch. To do this, log in to Sberbank Online and follow the instructions. By the way, the bank staff can help you.

Question answer

Are Sberbank deposits insured?

Yes. All deposits of Sberbank of Russia are insured in accordance with federal law“On insurance of deposits of individuals in banks of the Russian Federation” No. 177-FZ dated December 23, 2003.

Is it possible to withdraw interest and in what way?

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

Can I open multiple deposits at once?

Can. The client can make any number of deposits.

Profitable deposits in Sberbank in 2017, latest news

New Year's deposit in Sberbank 2017 for pensioners

Sberbank deposits for individuals in 2017, new profitable deposits "Just 7%" and "Just 6.5%". What deposits are best for investors? Maximum interest by deposits?

Sberbank, which in mid-October raised the rates of all dollar deposits by 0.01-0.26 percentage points, on Thursday offered depositors two new New Year's ruble deposits with increased income - "Just 7%" and "Just 6.5%".

The “Just 7%” deposit with a maximum rate of 7% per annum can be issued in the Internet bank and the Sberbank Online mobile application, as well as in Sberbank ATMs. The "Just 6.5%" deposit with a maximum rate of 6.5% per annum is available in all branches of Sberbank serving individuals, the bank's message indicates.

Sberbank deposits for individuals in 2017. When can I open new profitable deposits "Just 7%" and "Just 6.5%".

Deposits "Just 7%" and "Just 6.5%" can be opened until December 31, 2017. Both deposits are opened for 5 months in the amount of at least 100,000 rubles. Interest is calculated at the end of the term. Additional contributions and debit operations on deposits are not provided.

According to i. O. Maxim Stepochkin, director of the Borrow and Save division of Sberbank, new deposits are an opportunity for clients to “place their money securely and profitably”.

Sberbank deposits for individuals in 2017. What was the maximum interest rate on Sberbank deposits before?

Before the appearance of new deposits, the maximum rate of a retail deposit opened at a branch of Sberbank was 5.1% per annum, and remotely - up to 5.6%. Both rates are assigned when placing for 3-6 months at least 700,000 rubles. Thus, after the introduction of new deposits, the maximum rate at Sberbank increased from 5.6 to 7% per annum. The last time seasonal deposits with a rate of 6.5-7% Sberbank offered to investors in July-August 2017

Interest rates on deposits in rubles and savings certificates of Sberbank, latest news.

Simultaneously with the introduction of new deposits, Sberbank changed the rates on deposits in rubles and savings certificates from November 9. Investment rates for a period of 6 months to a year were increased by 0.05 percentage points. And for terms from 2 to 3 months and from 1 year to 3 years, on the contrary, they are lowered by 0.05-0.25 percentage points.

At the same time, the maximum rate in the basic line of deposits has decreased and is 5.50% (Save Online deposit for a period of 6 months to 1 year).

Sberbank deposits for individuals in 2017, new profitable deposits "Prosto". Sberbank comment.

On the one hand, this was the result of a decrease key rate The Central Bank, on the other hand, is caused by the interest of customers in placing ruble funds in medium-term deposits up to a year, Sberbank explained to Vedomosti.

According to unconsolidated financial reporting Sberbank, since August, the amount of funds of individuals in it has gradually decreased: from 11.636 trillion rubles. up to 11.515 trillion rubles. on November 1st. The Bank, in its commentary, indicated that in October the volume of attracted funds from the population increased, including by attracting more than 30 billion rubles. from individuals as part of the bank's bond issue. The ruble strengthening factor leads to a decrease in the nominal value of foreign currency deposits, but in real terms, taking into account investments in the bank's bonds, growth is observed, a representative of Sberbank said.

“The short-term offer of a deposit with increased income is a matter of regulating the funding structure, which needs to be balanced from time to time. Perhaps seasonal contributions are needed in order to balance outflows from other segments, which may be associated with some seasonal reasons. Also the emergence of large banks seasonal deposits may be related to the need for additional ruble liquidity,” lists the managing director of the National rating agency Pavel Samiev.

Sberbank deposits of individuals 2017, interest on deposits

Sberbank has launched new deposits "Just 7%" and "Just 6.5%" timed to coincide with the approaching New Year.

The “Just 7%” deposit with a maximum rate of 7% per annum can be made in the Internet bank and the Sberbank Online mobile application, as well as at Sberbank ATMs. The "Just 6.5%" deposit with a maximum rate of 6.5% per annum is available in all branches of Sberbank serving individuals.

“On the eve of the New Year, Sberbank gives its clients a new opportunity to securely and profitably place their money,” commented the acting director. Maxim Styopochkin, director of the Borrow and Save division of Sberbank. - Among the advantages of deposits "Just 7%" and "Just 6.5%" is an attractive interest rate for fairly small amounts."

Deposits "Just 7%" and "Just 6.5%" can be opened until December 31, 2017 inclusive. Both deposits are opened in rubles, the placement period is 5 months. The minimum amount of deposits is 100 thousand rubles, interest is accrued at the end of the deposit term. Additional contributions and debit operations on deposits are not provided.