Financial company regularly updates the line of investment proposals offered to clients. This applies not only to credit or mortgage offers, but also to investments. Many clients of a financial institution are interested in term deposits of Sberbank for individuals in 2019. This is due to the fact that the bank periodically releases high-yield deposits available to various categories of citizens.
The financial company provides various rates, among which there are several options that are most suitable for pensioners. The line for the elderly in 2019 is represented by two deposit options.
Refill Online
The first of them is "Top Up Online". The peculiarity of this tariff plan is that you can open it with an amount of a thousand rubles and gradually replenish an unlimited number of times.
The main requirements for opening are as follows:
For pensioners there is a bonus in the form of a maximum rate, it does not depend on the amount of the deposit and corresponds to the term of the deposit.
Thanks to the proposed conditions, active users of the bank's services can activate the Piggy bank service and, by setting the parameters, do not think about missing a replenishment.
Deposit rate options:
pension plus
The next type of investment that will be of interest to the elderly is the pension plus. The main feature of this deposit is that the client can not only replenish, but also withdraw funds if necessary. The main requirement is that the money should not be less than the minimum balance.
Deposit terms:
- Only in Russian currency.
- The minimum amount, which is also the minimum balance, is 1 ruble.
- Possibility of regular deposits and withdrawals.
- Period up to three years with the possibility of extension.
- Interest 3.5% per annum.
Such an offer allows you to accumulate funds, while making it possible to use almost the entire amount of accumulated funds. In case of early closing of the account, the interest is calculated in full, excluding capitalization.
Unfortunately, the second product can no longer be opened. Today it refers to archival tariffs.
Sberbank term deposits of individuals
Term deposits in Sberbank in 2019 for individuals. persons are represented by the “Online” tariff line. Among them are "Replenish", "Save" and "Manage". Each of them is defined by its own nuances. The first type has already been discussed above.
Save and Save Online
This tariff plan is aimed at saving the accumulated funds and making a profit for the storage period. At the same time, opening a savings deposit through the Internet banking system guarantees an increased rate, and this is the only and main difference between the offers.
Charges increase depending on the amount of money and the duration of the use of investments by the bank. The maximum percentage will be charged to a client who has opened an investment account in the amount of 2 million for a period of three years.
Deposit rate options:
Is it possible to close the deposit ahead of schedule? This possibility is available for all investment products, the client can demand his money back at any time. The amount of accrued interest will depend on the actual period of use of funds, while investments withdrawn earlier than six months after opening will have practically zero profitability.
Drive and Drive Online
As in the previous case, the difference between the products is only in the method of opening an account and the increased interest rate when using Internet banking to manage funds.
Deposit conditions:
A characteristic feature of this product is that the maximum yield will be within the first six months from the date of investment, with an increase in the term, the interest rate decreases. Thus, having invested 30 thousand for 6 months, the client will receive accruals on the balance in the amount of 3.25% per annum, with the same parameters, but for a three-year period, the percentage will be 2.5%.
Deposit rate options:
Special offers
In addition to standard rates, Sberbank has special offers that have a special purpose. These accounts are intended not only to save and accumulate personal money, but also to provide charitable assistance to those in need.
Gift a life
This investment involves deductions to help children with severe oncological diseases. The mechanism of action is that 0.3% per annum of the amount of invested funds are transferred to a fund with the same name.
The main conditions are as follows:
- Yield 4.15% per annum.
- Term 1 year.
- Does not provide for withdrawal and replenishment.
- Opening from 10 thousand.
Interest is calculated every three months. Capitalization is taken into account only when the investment is closed within the agreed time frame. In case of early closure in the first six months, the investment will have zero profitability, after 6 months interest will be calculated at the rate of two-thirds of the rate established by the agreement.
Memory of generations
This contribution was seasonal and is no longer active today. Nevertheless, it is worth mentioning it as an example of a deposit offer with interesting conditions.
- The term is three months.
- Interest rate 6.4-7% per annum.
- The minimum amount is 10 thousand.
- Replenishment or withdrawal is not provided.
For every thousand deposited in a deposit account, the bank sends one ruble to charitable foundation"Memory of generations".
As can be seen from the above proposals, by contacting Sberbank you can always find a suitable product for yourself. At the same time, you can not only save and increase personal savings, but also do a good deed.
When the question arises: in which bank to invest money, many individuals and pensioners prefer Sberbank, which is quite right, because it is one of the most reliable banks in Russia. Consider the existing and most advantageous offers for the above categories of persons for 2016 in St. Petersburg, Moscow, Samara and other cities.
Individual deposits 2016 Sberbank
Sberbank offers a wide range of deposits that differ in interest rates, which in turn are influenced by factors such as:
- deposit term (for example, for 3 months, for 6 months, up to 1 year or up to 3 years);
- its size;
- currency (that is, it will be in rubles, in dollars or in euros).
Also, the proposals are divided into those that involve the capitalization of interest, its absence. There are also replenishable options and having the possibility of self-management.
It is impossible not to mention the fact that this organization works both with rubles and currency, and accepts deposits in precious metals. What can I say, the latter (that is, depersonalized metal accounts) are very popular today due to such advantages as:
- the possibility of calculating income according to the price of the precious metal on the market;
- free account opening and maintenance;
- no mandatory payment of VAT when making a transaction with precious stones;
- the speed of carrying out the necessary operations (such work takes no more than 10 minutes).
Profitable deposits of Sberbank for individuals in 2016
In times of economic instability, you want to keep your savings. You can do it different ways: hide money at home, buy any valuables with it, open an account with Sberbank for an individual. The organization offers a large selection for those who are thinking which deposit in Sberbank is better to open. By entrusting your free funds to one of the most reliable banks in our country, you can not only not lose them, but increase them due to favorable conditions.
How to choose the most profitable deposit in Sberbank
It is impossible to say exactly which contribution will be the most profitable, since any of them is designed for a specific target audience. In addition, the depositor needs to carefully check the conditions: the ability to replenish the account, withdraw the necessary amounts, the interest rate. Today Sberbank of Russia offers several products with different conditions, among which customers can find the most profitable for themselves.
Types of deposits and their interest rates in 2019
In 2019, the clients of this bank will be able to achieve the following goals with the help of relevant offers:
- get an excellent profit due to the fact that new interest rates on Sberbank deposits have been introduced;
- withdraw interest every month;
- set aside a certain amount every month for different purposes, because this gives a chance to make Sberbank savings deposits;
- keep funds in monetary units of other countries (Sberbank deposits in foreign currency);
- withdraw your money if necessary.
To make a deposit in Sberbank at interest (or any other), you need to visit the branch of the organization, having a passport with you. Then you need to sign the contract drawn up on the proposal, carefully reading it (especially those items that are written in small print). The next step is to deposit a certain amount of money into your open account.
Happy year
The product involves the use of both rubles and foreign currencies (US dollars, euros). To open such a deposit, you need to deposit from 150,000 rubles. For American and European banknotes, the minimum amount is 3000. According to the terms of the deposit, funds must be kept on it for 9 months (for ruble), 10-18 months (for foreign currency). Ruble rates are up to 10%, dollars - 3.10%, in euros - 2%. Do you think which deposit in Sberbank is preferable to open? Considering the percentages, it is worth taking a closer look at the Happy Year product.
save
This type of deposit belongs to traditional bank products. The product is available not only in our currency, but also in two others, according to which the exchange rate is checked. The terms of the program do not imply partial withdrawal or replenishment. You can open a product with only 1000 rubles, $100, €100. Depositing 100,000-400,000 rubles. for a period of 3 years will give you the opportunity to receive 8.44% per annum. Capitalization involves an increase in interest to 9.07%. If you deposit foreign currency, the interest rate will be 2.22% in dollars and 1.17% in euros.
Replenish
Savings deposits in Sberbank are represented by the "Replenish" offer. The product opens up the possibility not only to keep the initially deposited amount, but to periodically replenish it with new funds. The period for which the account is opened starts from 3 months and goes up to 3 years. For rubles, the amount of additional deposits is from 1000 rubles. in cash. If you want to make a deposit using a bank transfer, there will be no restrictions for you.
Capitalization of the account will allow you to purchase up to 8.07% per annum, and if the depositor does not want this process, his funds received at the rate will be transferred monthly to the card or account. As for foreign currency, you can supplement the deposit in the amount of $100 or €100. The interest rate in dollars will be 2.01%, when using euros - 1.07%. The rest of the conditions are the same as the "Save" sentence.
drive
For people who want to be able to withdraw some money from their account or replenish it, the Manage product will do. The minimum amount of ruble investments here is 30,000 rubles. The maximum rate will be 7.31%, provided that the interest is capitalized. If you decide to make a dollar deposit, then you need to leave for storage from $1000, the rate is 1.80%. The euro offer will become available when you deposit from €1000, while your account will be replenished at 0.86% per annum.
Pension Plus
An excellent deposit created specifically for retirees who want to earn an income for retirement. You can create such an investment for a period of 3 years. As long as your money is inside the bank, you will be able to constantly replenish the account, partially withdraw money from it. It is possible to take funds until 1 ruble remains on it. The annual interest rate on this offer, subject to capitalization, is 3.67%. A profitable deposit for pensioners, which allows not only to store and increase their funds, but also to manage them.
Multicurrency
The "Multicurrency" deposit uses several currencies to open at once - this is his main feature. You can open it using any of them: rubles, euros or US dollars. Interest rates under the offer are as follows: up to 6.88% in rubles; 1.78% in dollars; 0.91% when using Euro. The period for which this deposit is calculated can be from 1 to 2 years. The offer implies the possibility of replenishment. The minimum amount of cash replenishment is 1000 rubles, $100, €100. The minimum deposit amount is not at all large: 5 rubles, $5, €5.
International
A deposit that provides for the storage of funds in foreign monetary units: British, Swiss, Japanese. The offer does not allow for partial early withdrawals. This product is designed for both short and long term. The minimum amount that you can deposit is the same for pounds sterling and francs, which are currencies in Switzerland, and is 10,000. You can make a deposit in yen with a minimum amount of 1,000,000 units of this currency.
Each currency has its own interest rate:
- pounds sterling: 0.70-4.50%;
- Swiss francs: 0.10-2.65%;
- Japanese yen: 0.30-2.65%.
savings account
A very convenient offer, implying the possibility of daily management - a savings account with Sberbank. This storage system comes into effect at an unlimited minimum amount, then you can replenish it and withdraw any amount of money available on the account. Opening is possible in three currencies: rubles, US dollars, euros. Clients can use this deposit indefinitely.
Interest rate for each type of currency:
- rubles: 1.50-2.30%;
- euro: 0.10-0.40%;
- US dollars: 0.10-0.40%.
How to open a deposit in Sberbank online
You can also choose which deposit in Sberbank you should open online. If you have already become a bank user and have repeatedly accessed its Internet equivalent, you can immediately start opening. If you did not use the services, then you will have to visit the bank. At the branch of the organization, you must provide a passport and declare your desire. A special agreement will be concluded with you, after which you have the right to manage your finances and use the services of this bank via the Internet.
To open a deposit online, you need to perform a small number of actions:
- If you do not have a card of this financial institution, you must obtain it. The instant issue card is absolutely free, there are no maintenance fees.
- Using the terminal, get the login and password you need to log in. The information will be with you by means of a receipt, where it will be indicated. Do not give this data to anyone so that no one can use your money without their knowledge. If you estimate that this task is difficult, ask for help from a special person - a consultant. Make it all easy with mobile phone. To do this, when concluding an agreement, activate the service " Mobile bank”, which will require small annual maintenance fees.
- By means of a computer mobile device or terminal, go to the Sberbank website. Then follow the following links: individuals - online services - Sberbank Online. Next, you will need to enter the previously received login, password.
- Click on the "Deposits and accounts" page, click on the "Opening a deposit" link.
- Carefully study the conditions that characterize each type of contract, select the offer that suits you. To date, such deposits as: "Top up online", "Manage online", "Save online" are available. After selecting the desired offer, click "Continue", opening the application form, which must be carefully and correctly filled out.
- After checking the correctness of the data, click the "Open" button, check again. If you did everything correctly, check the box to agree to the terms. You will see your account details, which you can then check inside the "Deposits and Accounts" link.
Video: what you need to know about currency deposits
The times of crises, the increase in prices for the currencies of other countries, force some people to use the currency of other countries to store their savings. It costs more and is constantly growing. Keeping foreign currency savings at home is not the best idea; it is much more profitable to entrust them to a bank at interest. Deposits, for the opening of which the monetary units of other states were used, have their own characteristics, conditions and pitfalls.
The most profitable and profitable deposit in Sberbank in 2019: read how to choose and open a deposit with a higher interest rate today.
Sberbank, perhaps, primarily attracts depositors with its stability. It is no secret that the registration of deposits of individuals in Sberbank is one of the most reliable ways to invest money today. Sberbank is the largest bank in Russia in terms of retail deposits and ranks first in the ratings for assets, equity, and many others.
You can open a Sberbank deposit not only in Moscow, St. Petersburg or another large city, but even in small towns, since there are a lot of branches.
Of course, many banks in Russia offer depositors more high interest. But even in the updated line of Sberbank today you can find savings programs with high interest rates. So let's consider what is the most profitable deposit in Sberbank in 2019.
What is the most profitable deposit of Sberbank today
Like many banks, Sberbank today has savings programs for ordinary individuals and premium customers. Of course, the latter are a little more profitable, but due to the large initial contribution and a number of other requirements, not everyone can make premium deposits. We will return to them below, but for now we will consider the most profitable products from the basic line that anyone can arrange.
1. Most profitable deposits from the base line
So, to arrange any basic deposits in Sberbank at the highest interest rates you will need a computer or phone with an Internet connection, or at least an ATM. This is important, because when opening a deposit at a Sberbank branch, the depositor will be offered standard conditions and interest rates for individuals' deposits. And when making deposits in the Sberbank-Online Internet bank, an ATM or a self-service device, the interest rate is higher!
Sberbank deposits with higher interest rates for ordinary individuals in 2019 are called: “Save Online @ yn”, “Replenish Online @ yn” and “Manage Online @ yn”.
1.1. Sberbank deposit with a higher interest rate "Save OnL @ yn"
This program will be useful for safe keeping of your savings and obtaining a guaranteed income.
(+) Plus: high profitability.
(-) Minus: there is no possibility of replenishing the account and partial spending of money without losing interest.
Terms
- Term: 1 month. - 3 years;
- Replenishment: not provided
- Partial withdrawal: not allowed, except for accrued interest.
- Interest accrual: monthly. Accrued interest can be withdrawn, as well as transferred to the card account.
- Capitalization: provided. The accrued interest is added to the amount, increasing income in the following periods.
Interest rate
Doesn't fit? See the percentage of deposits in VTB Bank -
1.2. Sberbank deposit "Replenish OnL @ yn"
A replenishable deposit for those who prefer to save and regularly save their funds using the convenient and reliable Sberbank Internet Bank.
(+) Plus: it is possible to replenish the account.
(-) Minus: there is no possibility of partial spending of money without losing interest.
Terms
- Term: from 3 months to 3 years;
- Amount: from 1000 rubles / 100 US dollars;
- Replenishment: provided;
- Minimum deposit: in cash - from 1,000 rubles / 100 US dollars, non-cash - unlimited;
- Partial withdrawal: not allowed;
- Capitalization: provided.
Interest rate
See also: 50 most profitable deposits today -
1.3. Sberbank deposit "Manage OnL @ yn"
This is a savings program for free money management with the ability to use part of the funds without losing interest.
(+) Plus: it is possible to replenish the account and partially spend money without losing interest.
(-) Minus: low profitability.
Terms
- Term: from 3 months to 3 years;
- Amount: from 30,000 rubles. / $1,000;
- Replenishment: provided. Cash - from 1000 rubles. / $100; Cashless - unlimited;
- Partial withdrawal: allowed up to the level of the minimum minimum balance without loss of accrued interest.
Interest rate
Not enough? See the conditions for storing money in the Russian Agricultural Bank -
The most profitable deposit of Sberbank in 2019: how to apply
To open an online deposit with a higher rate, you need to connect your computer or phone to the Internet, and then:
- Log in to online.sberbank.ru and select the "Deposits and Accounts" section.
- Select the menu item "Open deposit".
- Familiarize yourself with the terms of depositing funds, select the appropriate savings program and click: "Continue".
- Fill out an application: select the account to be debited, the amount to be credited and the term of the deposit.
- Press: "Open".
The deposit agreement executed in online.sberbank.ru can be independently printed in personal account in the "History of operations" section, or get it by contacting any branch of the bank.
2. The most profitable deposits for premium clients
Sberbank offers for premium customers are even more profitable than online deposits. They have the highest percentage. But, unfortunately, not everyone can issue them. Only owners of the Sberbank Premier or First service package can open these special deposits.
Their main conditions (the ability to replenish, spend, accrue interest, etc.) are the same as their counterparts from the basic line. The differences are only in the amount of the down payment and interest rates.
2.1. Sberbank deposit at the maximum percentage "Special Save"
Deposit with increased rates for owners of the Sberbank Premier or First service package.
Basic conditions
- Term: from 1 month to 3 years
- Without replenishment
- Without partial removal
Interest rates
Not profitable? Examine the deposit rates at Alfa-Bank -
2.2. Contribution "Special Refill"
A replenishable deposit with favorable rates for owners of the Sberbank Premier or First service package.
Basic conditions
- Term: from 3 months to 3 years
- Amount: from 700,000 rubles. / $50,000.
- With replenishment
- Without partial removal
Interest rates
Pay attention also to interest on deposits in Promsvyazbank -
2.3. Contribution "Special Manage"
Expenditure deposit with increased rates for owners of the Sberbank Premier or First service package.
Basic conditions
- Term: from 3 months to 3 years
- Amount: from 700,000 rubles. / $50,000.
- With replenishment
- With partial withdrawal
Interest rates
Terms and interest rates of all other Sberbank deposits can be viewed
How to arrange profitable premium deposits of Sberbank
First you need to become a premium client of the bank. To do this, you need to issue a package of services "Sberbank Premier" or "First", which, by the way, allow not only to open deposits on favorable conditions, but also give whole line other benefits. To use the premium package of services for free, you need to keep more than 1.5 million rubles on Sberbank accounts.
The very same procedure for making special deposits is the same as for deposits from the basic line, described above. You can make premium deposits both at the bank branch and online via the Internet.
See also interest in Otkritie Bank -
Conditions for early termination of a deposit in Sberbank
Know that in any unforeseen situation, if you need money before the end of the deposits, you can always get it.
Early termination of the deposits of the "Save", "Replenish" and "Manage" groups is carried out on the following terms:
1. For deposits up to 6 months (inclusive) - at an interest rate of 0.01% per annum;
2. For deposits over 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 as of the date of registration (prolongation).
In case of early termination of deposits, interest is recalculated without taking into account the monthly capitalization!
See also the conditions of the Savings Account with VTB Bank -
Conclusions: which Sberbank deposit is the most profitable today
AT last years, marked by the global financial crisis of 2008 and a slowdown in economic growth in the country, many investors strongly prefer two criteria:
- Bank reliability
- Reliability of the deposit currency
In principle, the ideal combination of these two parameters can guarantee not only the safety of funds, but also a good return on deposit programs. As for the choice of a banking institution, there are several rating leaders, and all of them belong to the category of large financial institutions. For several years, the leader among them has been Sberbank of Russia, which meets the criteria of stability and profitability with the concept of its activities and conditions for deposits. Below are the best deposits in foreign currency from this banking institution. But before considering them, it is worth paying attention to the development strategy of deposit investment in 2014.
Like many other banks, Sberbank provides for measures to ensure the safety of depositors' funds, which are protected by the deposit insurance program. Since the main criterion for the work of this institution in 2014 is the preservation and increase in consumer demand for credit products, the consequence of this concept was a small reduction in deposit rates. This is due to a drop in the growth of economic processes in the state and, at the same time, to a decrease in interest rates on loan portfolios for private borrowers. Nevertheless, Sberbank does not want to lose its depositors, who may stop cooperation due to lower deposit rates. As a result of this, an increase in the deposit line in the offers of this financial institution is expected.
As for foreign currency deposits and the choice of currency, at the beginning of the year the dollar and deposits in this currency are in the lead. The Euro showed a marginal gain and is now in a correction, outperforming all major currencies in 2013. As for the ruble, the highest rates are offered here, but with an eye on high level inflation, which could eventually lead to returns of 1-2 percent. Therefore, deposits in euros and dollars are of greater interest. Average return on currency deposits in Sberbank it is 2.0 - 4.0 percent per year for the European currency, for dollar deposits this figure is at the level of 2.25% - 4.1 percent.
In general, there is a decrease in rates on deposits in foreign currency by 2.0% compared to last year, and this trend, apparently, will continue this year. But while the situation persists, investors are offered the following investment options.
Perhaps the only deposit that has managed to maintain and even increase its position in terms of profitability is Pension Plus, the rate of which has increased from 3.5 percent per year to 3.67% this year.
Multi-currency deposit is a great opportunity for bank investors not only to save and increase their deposit money, but also to diversify the likely risks associated with quotes movements this year. The conditions of this deposit are available for currency holders in the amount of 5 dollars or the same amount in euros. Based on the amount of investments on the depositor's account, he will be offered a rate in the range from 1.65% to 2.1% with a deposit of up to 500 dollars or euros. Over 10 thousand euros or dollars will bring the investor a profit in the amount of 2.25% -2.7 percent of annual accruals.
Currency deposit Manage. Under the terms of this Sberbank program, you can open a foreign currency deposit from an amount of 1,000 euros or from 1,000 dollars at a rate of up to 1.85 percent. According to the terms of the deposit, the owner of the funds can withdraw money in the form of accrued interest without restrictions. Similarly, he can make replenishment of the deposit.
The "Replenish" bank deposit opens access to its conditions from the amount of 100 dollars or 100 euros of the initial deposit. Replenishment is also possible with the same amount. The seemingly low deposit rate - up to 2.05 percent, is compensated by the possibility of replenishing the account and the long period of its placement (from three months to 3 years).
The deposit program of Sberbank "Save" gives a yield on foreign currency deposits of up to 2.25 percent with an investment amount of 100 units of currency for euros and dollars. During the period of placement of funds (up to three years), the investor can make any transactions with replenishment and withdrawal of accrued funds.
