Profitable deposit in the savings bank. Sberbank deposits in Deposit Replenish in the name of the child

15.09.2021

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

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

How to choose a profitable deposit in Sberbank?

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

With interest capitalization - gives additional income, but sometimes it is more profitable to receive interest on a monthly basis.
With replenishment - this is an increase in the body of the deposit now in various products may have a limitation on the possible date of the last before the expiration of the replenishment agreement, and the rate here may be lower.
The amount is not more than 1.4 million rubles - do not exceed the amount suitable for the banking product insurance program.

The Central Bank of the Russian Federation reduces the rates on deposits in rubles.

The most profitable deposit in Sberbank today

If we evaluate the value of the interest rate, then the most profitable deposit of Sberbank (in addition to seasonal deposits) is "Save Online @ yn" for ordinary individuals or "Special Save" for premium clients. But these deposits cannot be replenished!
If you intend to save money, then the most preferable for you would be to make a deposit with a higher rate "Replenish Online" or "Special Replenish". But money cannot be withdrawn without loss of interest!
If you plan to withdraw some of the money from the deposit at any time, then the deposit "Manage Online" or "Special Manage" will be the most profitable for you.

Below you can find out the new deposit rates for today (as of 02/24/2020)

Deposit Pension Plus

Interest payment - quarterly to a current account or to a bank card account
Capitalization - quarterly at the choice of the client
Special conditions - the deposit is opened upon presentation of a pension certificate
Replenishment is possible
Partial withdrawal possible
The minimum minimum balance is equal to the minimum deposit amount
Early dissolution on preferential terms - income for the actual storage period Money in the deposit is accrued based on the interest rate established by the bank on the opening date of the deposit
Auto-renewal possible

Contribution Give life

Interest payment - quarterly to a bank card account
Capitalization - quarterly at the choice of the client
Special conditions - 0.3% per annum of the deposit amount for each expired three-month period is transferred to the Podari Zhizn Fund
Replenishment - no
Partial withdrawal - not possible
Early termination on preferential terms - 2/3 of the rate after 6 months of deposit storage
Auto-renewal possible

Deposit Replenish

Rate table

In rubles

	from 3 to 6 months	from 6 months up to 1 year	1 to 2 years	2 to 3 years	3 years
from 1 000 ₽	4,1	4,4	4,3	4,25	4,15
from 100 000 ₽	4,25	4,55	4,45	4,4	4,3
from 400 000 ₽	4,4	4,7	4,6	4,55	4,45

In dollars

	from 3 to 6 months	from 6 months up to 1 year	1 to 2 years	2 to 3 years	3 years
from 100 $	0,01	0,55	0,75	0,45	0,35
from 3 000 $	0,1	0,65	0,85	0,55	0,45
from 10 000 $	0,15	0,7	0,9	0,6	0,5
from 20 000 $	0,2	0,75	0,95	0,65	0,55

Capitalization monthly at the choice of the client

minimum amount: 1,000 rubles, 100 dollars;

Partial withdrawal is not possible

Early termination on preferential terms:

if the deposit amount does not exceed the maximum amount (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, the amount of which at the end of the day of the date of opening or prolongation is less than 100,000 rubles / 5,000 dollars, the maximum amount is 1 million rubles /$50,000);

An increase in the rate is possible with an increase in the amount or upon presentation of a pension certificate
Auto-renewal possible

Deposit Replenish in the name of the child

Table of rates in rubles

	3-6 months	6-12 months	1-2 years	2-3 years	3 years
from 1000	4.10/4.11	4.40/4.44	4.30/4.39	4.25/4.43	4.15/4.41
from 100 000	4.25/4.27	4.55/4.59	4.45/4.54	4.40/4.59	4.30/4.58
from 400 000	4.40/4.42	4.70/4.75	4.60/4.70	4.55/4.75	4.45/4.75

Table of rates in dollars

Interest payment on a monthly basis to a bank card account
Capitalization monthly at the choice of the client
Special contribution for children

Special conditions:

it is necessary to present a passport or other document proving the identity and birth certificate of the child;
a parent/legal representative of a child can open a deposit;
from the age of 14, the child receives partial access: he can independently replenish the deposit and withdraw the accrued interest;
at the age of 18, the child can fully dispose of the funds on the deposit;
full withdrawal of money before the child reaches the age of majority is possible only with the permission of the guardianship authorities

Replenishment is possible, but there are restrictions:

minimum amount

1,000 rubles, 100 dollars;
for non-cash replenishment, the minimum amount is not limited

Partial withdrawal is not possible Early termination on preferential terms:

if the deposit amount does not exceed the maximum amount (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, the amount of which at the end of the day of the date of opening or prolongation is less than 100,000 rubles / 5,000 dollars, the maximum amount is 1 million rubles / 50,000 dollars);
if the amount is higher than the maximum deposit amount, then interest is calculated on the principal amount based on 2/3, on the difference between the deposit amount and the maximum amount - 1/3 of the interest rate on the deposit that was in effect on the date of its opening or prolongation

An increase in the rate is possible with an increase in the amount
Auto-renewal possible

Contribution Save

Contribution Social

Contribution Manage

Calculate the income on the deposit online

The Security Council of the Russian Federation has been steadily leading the top ten banks with the largest volume of ruble deposits in Russia for a couple of decades. Despite some reduction in the deposit line over the past year, all the main types of deposits remain in its assortment - savings, savings and settlement. Sberbank deposits for individuals in 2017 in rubles today offers not the most profitable, but customers are attracted by the reliability of this financial institution and a wide range of options available to deposit holders. About what deposits are in Sberbank and at what interest in 2017 they are accepted, we will describe below.

Sberbank deposits for individuals in 2017 today

Sberbank makes deposits for individuals in 2017 under 5 programs: Save, Replenish, Manage, Give Life (a project to help seriously ill children) and Time to Save (seasonal offer until August 18).

According to the first three programs, deposits of individuals in Sberbank of the Russian Federation for 2017 are opened both in branches and remotely. When registering via the Internet, the conditions for placing funds on deposit accounts differ in a more favorable direction for the client.

If for a client opening a deposit in Sberbank for individuals in 2017 in rubles, what percentage will be set on the deposit is not the main selection criterion, he should pay attention to the perpetual Savings Account. There are no restrictions on debit and credit transactions.

For clients making Sberbank deposits for individuals in 2017 through the official website, prices are more favorable than when contacting the offices of a financial institution.

Deposit in Sberbank for individuals in 2017 in rubles

Replenished deposits from Sberbank for individuals in 2017 are deposits "Manage" (with partial withdrawal) and "Replenish" (only with credit transactions). No additional deposits or debit transactions are possible on the “Save” deposit account.

According to the “Save”, “Replenish” and “Manage” programs, Sberbank of Russia for individuals in 2017 draws up deposits for up to 3 years today. The first deposit is opened for at least 1 month, the rest - for a quarter.

Deposits for individuals in Sberbank in 2017 "Replenish" and "Save" are issued in the amount of 1 thousand rubles. The minimum amount of the "Manage" deposit is 30 thousand rubles.
According to the Time to Save program, in 2017 Sberbank of Russia for individuals accepts deposits for a period of 4 months in the amount of 100 thousand rubles.

Charitable deposits of Sberbank to individuals in 2017 are available when placing at least 10 thousand rubles on accounts for a period of 1 year.

New Sberbank interest: deposits of individuals in 2017

From June 1, Sberbank deposits for individuals for 2017, interest rates for which they were quite modest, made even cheaper. The yield on the Podari Zhizn deposit decreased by 0.2% per annum to 5 percentage points.

For those applying in PJSC Sberbank deposits of individuals in 2017, interest on deposits also decreased under the “Save”, “Replenish” and “Manage” programs. Now these deposits with monthly capitalization/payment of interest are placed at 3.8-5.1%, 3.7-4.6% and 3-4.3% per annum, respectively.

The best Sberbank deposits for individuals in 2017 under the Time to Save program are opened at 6.5-7% per annum.

Deposits in Sberbank Online for individuals on the official website

When making remote deposits at Sberbank, deposit rates in 2017 for individuals (the newest ones) also decreased.

The Manage Online deposit is now issued at 4.1-4.65% per annum. Almost the most profitable deposits in Sberbank for individuals in 2017 in rubles are opened today at 4.05-5.6% per annum under the Save program. Internet deposits "Replenish" are placed at 3.95-5.1% per annum.

Contributions online Sberbank for individuals in 2017, under the Time to Save program, they are opened at 7% per annum.

Interest rates for deposits from Sberbank of the Russian Federation for 3 months in 2017

Clients interested in opening short-term deposits can open an account under the "Save", "Replenish" and "Manage" programs in a traditional way or remotely.
The most profitable deposits of Sberbank for individuals in 2017 for today for 3 months are provided under the "Save Online" and "Save" programs at a rate of 4.45-5.15% and 4.2-4.7%.

Deposits "Manage" and "Manage Online" are issued for a quarter at 4.1-4.8% and 3.8-4.3% per annum. Under the programs "Replenish" and "Replenish Online", money can be placed at 4.1-4.6% and 4.4-5.1%, respectively.

All Sberbank deposits for individuals in 2017 for 3 months are the more profitable, the larger the deposit amount. To receive the maximum rate, it is necessary to place more than 700 thousand rubles on the accounts of a financial institution.

What are the profitable deposits in Sberbank at a high interest rate

Deposits to Sberbank online for individuals in 2017 under the "Save" program can be issued at 5.45%, subject to the placement of 700 thousand rubles on the account. for a period of 12 to 23 months. With more modest amounts, the rate will be 4.75-5.25%. All deposits of Sberbank for individuals in 2017 under this program - both regular and remote - can be capitalized. In this case, depending on the amount and term of the deposit, the income will be 4.46-5.63% per annum.

If we consider in PJSC Sberbank which deposit is the most profitable for individuals in 2017 for a short term, this is, of course, the Time to Save deposit. A client who placed 100 thousand rubles. for 4 months at 7%, will receive an income of 2340 rubles.

The best deposits of PJSC Sberbank of Russia for pensioners

The most expensive Sberbank deposits for 2017 for individuals and pensioners are the Time to Save deposits with a rate of 7%, which is set taking into account the promotional code received on the VK social network. But clients wishing to place money on more long term, this offer is not valid.

For the elderly, the Security Council of the Russian Federation established benefits for two long-term deposits: “Keep” and “Replenish”. Unlike the rates of PJSC Sberbank of Russia on deposits of individuals in 2017, interest on deposits for pensioners does not depend on the amount of the deposit.

So, an ordinary client, when opening a savings deposit in the amount of 1 thousand and 700 thousand rubles. for a year can count on a rate of 4.75% and 5.45%, respectively. And Sberbank deposits for 2017 for individual pensioners for the same period are opened at 5.45%, regardless of their amount.

Deposits in Sberbank are 5 classic options for individuals, 3 types for pensioners, 3 special savings accounts, 3 accounts with the possibility of withdrawal and replenishment, as well as 1 deposit-"gift" for the child's majority. Sberbank deposits in 2019-2020 not only varied, but also dictate terms to other banks. This interesting fact and we'll take a look at that too. You can calculate the potential profit on the Sberbank deposit calculator.

But first, a few important introductory paragraphs.

Note from 08.10.2019: Almost all deposits the rate was reduced by 1%. The exception is the "Social" deposit, in which the percentage increased by 0.2 points: from 3.5% to 3.7%. The remaining deposits became less profitable.

For the older generation: Deposits for pensioners in Sberbank are presented in 3 options: one separate deposit and two special programs operating in addition to the standard deposit.

There is also a simulator for opening deposits: Before submitting a real application for opening a deposit online, you can practice on the site. Sber has developed this service specifically for beginners in online banking.

Rate increase: Regardless of the deposit you can increase your rate by up to 1%.

How to get a higher rate? And what deposit is suitable just for you? Read below.

What to do if questions remain: At the end of the article we have support contacts. Bank specialists will answer any of your questions.

Sberbank deposits for today

Today, deposits in Sberbank set the trend throughout the market. Why is it important to know about this? In order not to make a mistake in choosing a bank.

In the first half of April 2019, many banks began to cut rates. First, VTB, then Rosselkhozbank and Alfa-Bank, joined the interest-cutting marathon and Otkritie Bank.

What was the reason? At the end of March, Sberbank prematurely suspended the Catch the Profit deposit. It was distinguished by high rates - up to 7.65% (if invested for a year and a half).

As soon as there was no need to compete with this Sberbank deposit - on the principle of dominoes began to crumble high interest and other financial institutions.

This was written about in all the media, and experts began to predict a further reduction in rates on foreign currency deposits.

Therefore, since the end of March 2019, deposit rates at Sberbank have not been the highest on the market - after the abolition of "Catch the Profit".

But there is a high probability that screw-on trend for depositors will continue, and soon other banks will begin to offer exactly the same conditions.

Because Sberbank is a benchmark for others. Recall that the bank was founded in 1841. As of January 2019, 70% of Russian residents use Sberbank services.

46% of deposits in the Russian Federation are deposits made in Sberbank.

How to raise your bid

There are three options for getting a higher rate:

Open online. Given the availability of an online simulator, this will not be difficult;
Invest from 5 million rubles- in this case, your rate is guaranteed to increase by 1%:
Connect the Sberbank.Premier service package. At the same time, the minimum investment amount is 700,000 rubles.

The easiest option is the first one. Therefore, we will quote the current rates including opening an account online. Instructions for opening (including in video format) will be in the following sections.

Capitalization

Separately, it is worth focusing on capitalization. It is possible for all Sberbank deposit accounts, but the choice - to connect or not - is up to you.

Capitalization means that the interest accrued on the deposit will be added to the deposit amount and not listed on your map, for example.

Capitalization allows you to increase the rate and total income.

Below in the tables you will see the main percentages and "grey" interest- the latter and relevant subject to capitalization.

Sberbank: deposits for individuals in 2019-2020

Let's start with 5 "classic" interest deposits Sberbank relevant for individuals in 2019-2020.

Important information for pensioners: there are special conditions for you in two deposits (“Save” and “Replenish”).

We will describe them in general terms, and you will find more detailed information. next section.

Contribution "Save"

Sberbank's "Save" deposit is a combination favorable interest and a wide range of investment terms.

Maximum: 5% per annum(when applying online);
Entry threshold: 1 000 ₽, $100.
Duration: from a month to 3 years.
Accrual %: every month;
Early closure: maintained from 2/3 per annum if the account is closed at least 6 months after opening;
Early closing for up to 6 months: recalculation at 0.01% per annum;
Replenishment/withdrawal: no.

Important: For pensioners, the maximum rate is relevant. It does not matter the amount of the first installment, only the period of placement. The same conditions apply for "Replenish".

For ruble investments

How to open a deposit in Sberbank: online simulator

You can try to apply for opening in test mode.

Information from the Sber website

How it works:

Go to the special website of Sberbank - deposits in test mode: trainer.sberbankaktivno.ru;
Click on the button "Begin";
Enter "fake" data (absolutely any) to enter supposedly existing Sberbank.Online account;
Confirm login (re-dial any numbers);
Follow the arrows: go to the section "Deposits and Accounts", choose the opening and choose the deposit of interest;
Enter your deposit details(amount, term, and so on), confirm the terms of the contract;
Hooray! Your fake account has been opened.