Sberbank has the highest percentage on deposits. Profitable deposits of Sberbank of Russia

How to vary interest rates on deposits in Sberbank in 2016 for today, and what actual information regarding the entire banking sector in our country. In more favorable periods for the economy, deposit rates for individuals were quite attractive and completely covered all possible risks of inflation, but how has the situation changed today?

Why did it become necessary to revisit the topic of interest on deposits for individuals? The thing is that Sberbank changed the rates on such deposits this year. Moreover, unfortunately, the changes took place precisely in the direction of lowering rates. The bank's management emphasized that this is not a radical measure, but only a reaction to the general reduction in interest rates in the country and in other banks too. This trend has been observed since the beginning of this year.

The question remains, how much have interest rates on deposits in Sberbank in 2016 changed for pensioners and other people today, is it profitable at such rates to put money in a bank at interest? We propose to deal with these issues together in the framework of this material. Will it be this year?

About various deposits

As in any other bank, the largest bank in our country has more than one deposit offer. This line concerns different possible types of money management. Offers differ in terms, in terms of the amount of money invested. It is clear that the longer the term of the deposit and its stay in the bank, the higher the maximum interest on the deposit can be obtained in the end.

There are also such offers where, during the deposit period, part of the money can be withdrawn or, conversely, replenished, resulting in even higher interest. Rates on different deposits with different conditions will, of course, be different. But, in principle, they are not very different from each other.

Deposit "Save"

This account cannot be replenished during the period for which, under the concluded agreement, the money is deposited in the bank. Also, there is no possibility of partial withdrawal of money. The rates on this deposit today are, if considered in annual interest, from 5.5 to 7.7 (in rubles), from 0.01 to 2 in US dollars and from 0.01 to 0.66 in euros.

Given the capitalization and the rate that is indicated above for different types of currencies, this is a very good option for investing money. But here you need to immediately take into account the fact that this deposit cannot be replenished or partially withdrawn from it, if such a need suddenly arises. However, the advantage of the deposit is that it can be closed ahead of schedule. Closing conditions are not the most pleasant, but there are certain benefits on this issue.

As for the period for which the deposit is opened, then the depositor can make an independent decision. The time frame is quite blurry and can range from as little as one month to three years. The minimum amount you can put into your account is 1000 rubles or 100 dollars, euros. The size of the interest rate will directly depend on the amount of the investment and the term of the contract.

If we continue to consider interest rates on deposits in Sberbank in 2016 for today on this deposit, then it must be emphasized that there are two types of this deposit. One is called "Save Online", and the second is simply "Save". The second type of contribution is designed for pensioners. The first, as the name implies, can only be opened via the Internet. The second deposit with its most favorable conditions is offered only for pensioners.

Important! The first type of deposit, taking into account capitalization, can give a yield of up to 8.26% in rubles, 2.33% in US dollars and only 0.91% in euros. For pensioners, the maximum rate applies for a specific period, but regardless of the amount of the investment.

"Replenish"

Here again the name speaks for itself. You can replenish your deposit while the money is in the bank. But there is still no possibility of partial withdrawal of the amount. The annual rates will be from 6.08 to 7.10% for rubles, from 0.01 to 1.85% for US dollars and from 0.01 to 0.55% for euros.

You can open such a deposit with Sberbank for a period of three months to three years. The rates, taking into account the capitalization of interest, will be as indicated above for a different type of currency. As for the minimum amount and other conditions for placing money in a bank, then everything will be exactly the same as described for the “Save” deposit. But the difference will be that you can replenish your deposit with amounts from 1000 rubles and from 100 dollars or euros, depending on the currency in which the deposit is opened.

It is possible to open this deposit even without visiting the bank, for this it will be enough to use the Sberbank Online service. Pensioners can open such a deposit, and special conditions for this category of citizens remain. How to cook delicious.

"Control"

You can replenish this deposit account, plus, a partial withdrawal service is available. As for annual rates, for rubles it is from 5.78 to 6.59%, for US dollars it is from 0.01 to 1.64%, and for euro it is from 0.01 to 0.35%, respectively. You can replenish the deposit and withdraw money from it according to clearly defined conditions. There must be a minimum amount in the account. As a rule, we are talking about 30,000 rubles or 1,000 US dollars, euros. You can open a deposit via the Internet.

"Multicurrency"

We continue to consider interest rates on deposits with Sberbank in 2016 for today. This contribution is important distinguishing feature: the deposit is opened immediately in three currencies. In rubles, US dollars and euros. Tabs can earn on such a deposit when the exchange rates fluctuate. The investment period is from one to two years. Moreover, the minimum amount of investments is interesting, which is 5 rubles, dollars or euros.

As for the maximum rate, it will be 6.19% for ruble deposits, 1.67% for US dollars and only 0.40% for euros. These rates are indicated already taking into account capitalization. You can replenish your account, you can also withdraw part of the money from it ahead of schedule. But only if all the additional conditions indicated in the contract are met.

"International"

Again, you can open a deposit in several currencies at once, but here we are not talking about common US dollars and euros, but about rarer currencies. For example, at a maximum rate of 2.7%, you can open a deposit in British pounds, at a rate of 0.75%, you can open a deposit in Swiss francs, and so on. True, there will be no capitalization of interest here, and income can be received only at the end of the period, which is set by the investor independently from a month to three years. The minimum investment amount must be significant, from 10,000 pounds or francs. How to prepare.

"Gift a life"

This deposit in Sberbank can only be opened in national currency. It must be said that the Interest rate on a deposit at Sberbank in 2016 is higher today than in the deposit options already considered. It reaches 7.35%, the minimum deposit must be 10,000 and it is placed for only one year.

The big plus of this deposit is that interest on it can be withdrawn every three months. There is no possibility of additional replenishment or partial withdrawal. But six months later, you can close the deposit ahead of schedule and keep two-thirds of the rate. The peculiarity is that every three months the bank transfers 0.3% per annum of the investment amount to the charitable foundation of the same name.

Separately, it should be noted that the bank constantly allows you to make holiday deposits, when interest is withdrawn precisely for the holidays. For example, by Victory Day, you can make a deposit at the maximum interest. Or place money on the “Grateful Hearts” deposit at a rate of 8.5% per annum. Will there be an increase in 2016?

This is all relevant information on the topic of interest rates on deposits in Sberbank in 2016 for today. As you can see, everything here depends on the size of the deposit, the period of placement of money and the amount of funds that are planned to be placed. These are not the best interest rates that have been in the entire banking history of our country, so perhaps you should not rush to invest.

Sberbank changed the rates on deposits of individuals upwards. The leadership of this largest bank in Russia explained that in this way the bank follows the general trend of rising interest rates that 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 2019

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 4.05 to 5.60% in Russian rubles;
• - from 0.01 to 1.55% in US dollars;
• - In Euro.

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 4.60 to 5.15% in Russian rubles;
• - from 0.01 to 1.15% in US dollars;
• - In Euro.

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

Rates today are (% per annum):

• - from 4.00 to 4.85% in Russian rubles;
• - from 0.01 to 1.05% in US dollars;
• - In Euro.

Sberbank's line of basic deposits today includes other deposits, for example, the Podari Zhizn charitable deposit with an interest rate of 5.65% in rubles, as well as a savings account and online deposits.

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

The most profitable deposit of Sberbank today

However, the most profitable today will be to open a deposit in Sberbank via the Internet. Then you can get a higher percentage.

Deposit "Manage Online"(with replenishment and partial withdrawal) for a period of 3 months to 3 years inclusive can now be issued under:

• - from 4.15 to 5.00% in Russian rubles;
• - from 0.25 to 1.35% in US dollars.

Deposit "Top Up Online"(replenished, but without partial withdrawal) for a period of 3 months to 3 years inclusive for this moment can be opened under:

• - from 4.75 to 5.30% in Russian rubles;
• - from 0.35 to 1.45% in US dollars.

Contribution "Save Online"(not replenished without partial withdrawal) for a period of 1 month to 3 years inclusive, you can open today with the following rates:

• - from 4.20 to 5.75% in Russian rubles;
• - from 0.15 to 1.85% in US dollars.

It will be the most profitable in Sberbank in 2019, excluding promotional promotional deposits and those that are available only to customers with

Deposits in Sberbank, for objective reasons, are considered the most reliable in Russia. This is partly due to the special status of the bank, because it occupies the largest share in the consumer market and is among the systemically important ones. But we should not forget about the role of the state, which is the main shareholder of the bank and will provide it with direct support in the event of a crisis.

According to their main characteristics, Sberbank's offers are not as profitable as those of other Russian banks, so a potential client must immediately decide what he wants to receive from a credit institution - high interest or moderate income with maximum reliability.

Sberbank traditionally focuses on the following categories of depositors: civil servants, pensioners, students and large investors who cannot afford to keep money in unreliable banks, because in 2019 the DIA still guaranteed the safety of only 1.4 million on deposits of individuals in a separate selected credit institution.

"Save"

In 2019, Sberbank set interest rates on deposits for individuals below the market average, but, as already noted, the offers of this bank have other advantages. One of the most comfortable programs can still be considered an offer called "Save". Let's list the conditions:

• the deposit is allowed to open from 1000 rubles. (or from $100);
• replenishments and expenses are prohibited;
• the period for which it is allowed to place a deposit is from 1 month. up to 3 years.

The rate depends on several factors, namely:

• term of the contract (the longer, the higher the interest);
• capitalization;
• opening method - in a branch or remotely (the latter option is more profitable by 0.15%);
• social status - for pensioners, Sberbank removes the linkage of interest to the amount of the deposit.

The table above shows the standard ruble rates, valid for all clients who decide to open a deposit remotely. What's interesting here:

• the investor receives the maximum benefit when depositing 400 thousand rubles. for a period exceeding 1 year (important - the period must be exactly longer than 12 months, for example, 13 months);
• the longer the contract is valid, the higher the interest;
• monthly capitalization allows you to slightly increase profits.

In principle, such conditions for ruble deposits are quite comfortable, but the rates for dollar deposits "Save" in Sberbank leave much to be desired. They are presented in the following table.

Recall that in 2019 major Russian banks offer to place dollars on deposit at an average of 3%.

As for pensioners, for citizens of the appropriate age (women and men over 55 and 60 years old, respectively), Sberbank does not impose additional conditions on the size of the deposit. Simply put, they are offered maximum interest, which depends only on the duration of the contract.

Other options of the "Save" deposit:

• interest is credited monthly;
• they can be capitalized or transferred to another account;
• in case of early termination of the agreement, the amount of interest will depend on the time during which the deposit was in the bank.

"Replenish"

This offer is very similar in its specifics to the previous one, but it has an important feature - in this case, Sberbank allows you to replenish the deposit at any time, but at the same time it charges interest at a reduced rate. It cannot be said that the difference is directly so significant, but the client loses 0.3 - 0.6% of the benefit.

The mentioned rate adjustment is especially noticeable on the dollar deposits of Sberbank, which in themselves do not have high interest rates. Here, a loss of even 0.3% leads to a significant decrease in profit on the deposit.

The rest of the terms of the "Top up" deposit are standard and quite comfortable:

• You can open it for a period of 3 months. up to 3 years;
• the minimum initial amount is 1000 rubles. or $100;
• further replenishment can be transferred both in cash and non-cash way;
• debit transactions are prohibited (only accrued interest can be withdrawn);
• for pensioners, the rate is not tied to the amount;
• If the contract is terminated before the due date, the following rules apply:

The maximum amount is determined as follows - first, the amount that was on the deposit on the day of its opening or prolongation (starting) is taken, after which this value is multiplied by 10 times. Suppose an individual opened a deposit and deposited 200 thousand rubles on it. This means that the maximum amount will be 2 million, i.e. if a person begins to credit additional funds to the deposit, then upon reaching 2 million, the rate on the “excessive” share will decrease.

Simply put, the maximum amount is not a strict limit, but a kind of bar that divides the deposit into two parts - the base and the reduced rate. It should also be noted that for deposits with an initial contribution of up to 100 thousand rubles, $5 thousand and €5 thousand, this limit is 1 million rubles, $50 thousand and €50 thousand, respectively.

"Control"

The offer of Sberbank called "Manage" has its own characteristics. Firstly, for this contribution there is no direct relationship between interest and the duration of the contract. In particular, the bank gives the most favorable rates for deposits opened for a period of 6 to 12 months.

And, secondly, the terms of this deposit provide for the possibility of conducting debit transactions without losing interest (lowering the rate). For this rule to work, the amount on the deposit must exceed the minimum balance.

Terms of the "Manage" deposit:

• open it is allowed for a period of 3 months. up to 3 years;
• the minimum initial amount is 30,000 rubles. or $1000;
• if, after additional contributions, the amount of the deposit reaches the next level of the minimum balance (recall, these are 100 thousand, 400 thousand, 700 thousand and 2 million rubles), the rate increases;
• in case of early termination, the same rules apply as when opening the “Replenish” deposit.

Sberbank special deposit for the elderly

The most favorable conditions for pensioners in Sberbank are provided by the “Save” and “Replenish” deposits, but they have one drawback - a person must deposit money into accounts himself and monitor the validity of the contracts. In addition, in some cases, with early withdrawal of money from a regular deposit, the rate is significantly reduced, which is unacceptable for older people.

For this reason, Sberbank offers pensioners a special Pension Plus deposit with a simplified model. Here are its main terms:

• minimum balance - 1 rub.;
• rate 3.5%;
• interest is calculated every 3 months;
• deposit term – 3 years (prolongation is available);
• funds can be withdrawn at any time without debiting accrued interest;
• and the most important rule: the Pension Plus deposit is available only to those Sberbank clients who receive pensions from state and non-state funds through it.

Thus, a pensioner who decides to take advantage of this offer does not limit himself in any way in his financial capabilities, while the bank will charge interest on the balance, the amount of which is lower than on standard deposits, but significantly higher than the rates on demand deposits (0.01%) or savings accounts (1.8%).

A gift for coming of age - a deposit "In the name of the child"

In Western countries, people have long realized that the future of children must be taken care of "right now." For this reason, special long-term "children's" deposits are widely used, to which parents periodically deposit small amounts, as a result of which a decent capital is formed on the account by the age of their son or daughter.

Sberbank borrowed this very good idea and offered clients a deposit "In the name of the child." In principle, we have just described the essence of this investment model, so we will not repeat its description and will immediately move on to the conditions. In 2019, the bank offers to open such a deposit at the following rates.

Other conditions of the deposit "In the name of the child":

• since the deposit is opened for a minor, only a legal representative (parent, guardian) can do this;
• the minimum starting amount is 1000 rubles/$100;
• not only parents can replenish the deposit, but also any citizens of the Russian Federation, for example, grandmother, uncle, sponsor, etc.;
• from the age of 14, the child receives partial access to the account - he will be able to withdraw interest;
• if before the age of majority the child needs to be withdrawn and spent on other needs, permission from the guardianship authority will be required.

Let's see how it works. Suppose a client opened a deposit in Sberbank for his son a year after his birth. The initial payment is 1000 rubles, subsequent monthly replenishments also amount to 1000 rubles. The term of the contract is 1 year (it is renewed annually). If a child from the age of 14 does not begin to withdraw interest, the dynamics of his account will look something like this:

Why “approximately” - when the deposit is extended, the rate in reality will change. This adjustment can be carried out both up and down, so preliminary calculations are only indicative.

In 2019, out of all Sberbank's offers, two promotions stood out - "Catch the Profit" and "Give Life". The first type of deposit can be opened only until March 31, but it has a high interest rate. As explained in the bank itself, this campaign was launched in connection with the increase in the rate by the Central Bank, therefore, if the Central Bank continues to tighten its policy, it is possible that Sberbank will delight customers with profitable deposits in the future.

Deposit conditions:

• amount from 50 thousand rubles. (without restrictions on the upper bar);
• replenishments and partial debits are not available;
• interest depends on the term of the deposit;
• in case of early full withdrawal of funds, the rate is reduced to 0.01%.

Another contribution called "Give Life" is no different high stakes, but it is not intended for enrichment, since its main task is to help sick children. It has the following conditions:

• the rate in 2019 is 5.65% (5.77% with capitalization);
• term - one year;
• without replenishment and partial write-offs;
• the minimum deposit amount is 10 thousand rubles;
• quarterly, Sberbank will transfer to charity an amount equivalent to 0.3% per annum.

If a person has 700 thousand rubles. or $50,000, he gets the right to open a deposit with Sberbank with an increased rate (+0.8% to the base one for the deposits "Save", "Replenish", "Manage"). This option is included in the Sberbank-First package, which is provided free of charge for the first 2 months, and then costs 2,500 rubles / month if none of the conditions are met:

• account balance of at least 2.5 million rubles;
• the balance is not less than 1.5 million rubles, and the amount of purchases is not less than 100 thousand rubles;
• the amount of purchases on cards is not less than 200 thousand rubles.

Another offer of Sberbank from the premium segment is aimed at customers who are ready to deposit 5 million rubles. and more. As part of this program, the bank raises the rate by 1% relative to the base rate on the corresponding deposit. The first 2 months the package is provided free of charge, in the future its cost will be 10,000 rubles / month, if the balance on accounts and cards is less than 15/10 million rubles for Moscow / other regions, respectively.

We repeat what we noted at the very beginning of the review - the rates on Sberbank deposits are not the highest even for their segment (top banks), but this credit institution has another plus - maximum reliability. To put it simply, in the event of a serious crisis, the bank will freeze client accounts last, and this is exactly the condition that is required by holders of amounts exceeding insurance from the DIA.

Social accounts

In addition to ordinary deposits, for which cash the client himself makes, Sberbank offers special accounts designed to receive social payments. It cannot be said that they have much in common with the usual deposits, but there are still certain similar features between them.

Social

Designed to receive payments due to orphans and veterans / disabled veterans of the Second World War. In this case, exactly the same model applies as with the Pension Plus deposit. This is easy to verify by looking at the conditions:

• deposit currency - rubles;
• rate - 4.75% (not the highest even for Sberbank);
• deposit term — 3 years;
• deposits and withdrawals are available;
• the minimum balance is 1 ruble;
• Interest is calculated every 3 months.

Nominal

And another account of a similar plan - a nominal one for crediting social benefits, which include all the concepts from Chapter 37 of the Civil Code of the Russian Federation, for example, alimony, benefits, etc. The main purpose of this deposit is to make the calculations as transparent as possible and at the same time receive additional interest for cooperation with Sberbank.

Deposit conditions:

• deposit currency - rubles;
• rate - 3.55%;
• deposit term - indefinitely;
• replenishment - only social receipts are allowed (you cannot deposit money on your own);
• spending transactions are allowed;
• minimum balance - 0 rubles;
• interest is credited quarterly;
• on a nominal account, you can issue a power of attorney to another person.

Deposit opening algorithm

There are two options for opening a deposit - in person at the office and remotely via the Internet. In the first case, you need to visit the nearest branch of Sberbank and contact the manager, expressing a desire to place a deposit in the bank. The specialist will advise on all issues and name the current interest rates.

If an individual has already registered Personal Area on the bank's website, you can apply for a deposit directly through a smartphone or computer. There is even a special video instruction on how to open a deposit in Sberbank-online, prepared by the organization's specialists.

In contact with

Inflation in 2015 was almost 13%. Moreover, this figure does not fully reflect the situation in the country. Thus, the cost of many goods and services has become much higher.

During the economic crisis, stagnation, a person tries to find ways to at least save his savings. Some invest their money in real estate securities, precious metals. If there are not so many funds, you should think about the possibility of opening your own deposit. This will help at least somehow save your money from depreciation.

Sberbank is the largest and most reliable bank in the Russian market. He is constantly developing new proposals, including those for deposits. Each product has its own conditions and features, so we will consider profitable deposits with Sberbank at interest in 2016.

Contribution "Happy Year"

Among the offers of Sberbank given type investment has the highest return. The annual interest rate depends on the size of the invested funds. The situation looks like this:

• with a deposit of 150 thousand to 1 million rubles, the yield will be 9% per year;
• for amounts from 1 to 10 million rubles, an increased rate is provided - 9.5% per annum;
• if the client deposits more than 10 million rubles into the account, then the yield increases to 10% per year.

All interest is transferred to the client's account once. This happens after the expiration of the deposit. Terminating the contract ahead of time is extremely unprofitable. In this case, the interest rate is reduced to 0.01%. In fact, such an investment will not even bring profit. The term is the same for all investors - 9 months. It is not possible to increase the amount of the deposit.

You can open a deposit not only in rubles, but also in dollars and euros. For these two currencies, the deposit conditions are somewhat different:

• the duration of the deposit is 10 and 18 months, respectively;
• the minimum amount is 3 thousand of the relevant currency;
• the annual yield can vary from 1.8 to 3.1% for a dollar deposit and from 1.3 to 2% for a euro deposit.

Other conditions are the same as for deposits in rubles.

Deposit "Give Life"

Almost everyone can become an investor under this offer, since the minimum amount is only 10 thousand rubles. Regardless of the amount of money on the deposit, a single interest rate equal to 8.35% is applied.

Clients who have chosen this type of deposit cannot put another part of their funds on it, as this is not provided for by the terms of the agreement. Investors do not have the opportunity to withdraw money before the set time.

Contribution "Save"

The interest rate for this type of deposit depends on the chosen currency.

It is defined as follows:

• for rubles, the yield varies from 6.3 to 9.07% per annum;
• for dollars - from 0.05 to 2.22% per year;
• for euro - not less than 0.01 and not more than 1.17% per annum.

For those who have made a deposit via the Internet, there are more favorable interest rates. They make up:

• for ruble deposits from 6.5 to 9.52%;
• for deposits in euros from 0.01 to 1.43%;
• for dollar deposits from 0.1 to 2.49%.

The exact percentage is determined individually. This takes into account the size of the deposit, the period of its validity. In order to receive the most advantageous offer, the client can pre-calculate the interest rate using a special online calculator. There is a benefit for pensioners - the maximum possible interest rate is applied to their contribution.

The client chooses the duration of the deposit himself. The term can vary from 1 to 36 months. The deposit does not provide for the possibility of depositing or withdrawing even a part of the available money from the account.

Deposit "Manage"

This deposit has very flexible conditions for depositors. Duration can be from 3 to 36 months. Any person who has savings of at least 30 thousand rubles (for foreign currency deposits - at least 1 thousand dollars or euros, respectively) can open such a deposit.

The most favorable interest rates for a deposit opened at a bank branch are as follows:

• for ruble deposits - 7.31%;
• for deposits in euro - 0.86%;
• for dollar deposits - 1.8%.

Even more attractive is the offer to open a deposit through Internet banking. There, the maximum percentage increases by 0.31%, 0.26% and 0.24%, respectively.

This deposit provides for monthly accrual of accrued interest, which can be withdrawn or added to existing funds if desired.

Deposit "Top up"

You can open this deposit at a bank branch or through the Internet banking system. In the second case, higher interest rates are provided. For deposits made through a branch, the following annual yield is provided:

• 8.07% in rubles;
• 1.07% in euros;
• 2.01% in dollars.

A deposit is available to people even with a minimum level of savings. To open, you need to have 1 thousand rubles or 100 euros or dollars.

An important advantage of such a deposit is the possibility of its unlimited replenishment at any time. But you won't be able to withdraw money. ahead of schedule.

The duration of the deposit can vary from 3 to 36 months.

Finally

All of these proposals will not help offset rapidly rising inflation. Opening a deposit will only make it possible for your savings to depreciate less.

Sberbank in 2019 offers pensioners deposits of individuals under special high percent. But in order to understand which deposit in Sberbank is the most profitable for you, you need to decide how you intend to manage the funds on deposit.

Today, several types of deposits can be issued at Sberbank, depending on your money management strategy:

1. Classic savings deposit "Save" at a favorable percentage;

2. Deposit "Replenish" with the ability to save money to the account;

3. Expenditure deposit "Manage" with the possibility of replenishment and partial withdrawal of money from the account without loss of profitability.

Each of them can be issued at the branch or online via the Internet. Their terms and interest rates can be viewed

But Sberbank today also has special offers for the elderly. It:

1. Deposit "Pension Plus" to receive benefits and other social benefits;

2. Deposits "Save" and "Replenish" with special conditions for pensioners.

The meaning of these special conditions is that on deposits opened by pensioners, the maximum rate is set for the selected period, regardless of the amount of the deposit.

Interest on Sberbank deposits for pensioners: the most profitable in 2019

To find the most profitable deposit in Sberbank for pensioners, consider the bank's offers for the elderly. We will analyze their pros and cons, compare terms and interest rates.

1. Deposits opened at the bank branch

Let's start our review with deposits that can be issued at a bank branch. For many pensioners, this is convenient, but the percentage will not be the highest.

1.1. Sberbank deposit "Pension-plus"

This is a deposit of individuals to receive retirement income. It is intended for clients receiving pensions from the Pension Fund of the Russian Federation, ministries and departments providing pensions, as well as from non-state pension funds.

(+) Plus: it is possible to replenish the account and partially withdraw money without losing interest. Preferential conditions for early termination.

(-) Minus: low interest rate.

Deposit conditions

• Term: 3 years
• Amount: from 1 ruble
• Replenishment: provided
• Partial withdrawal: provided up to the level of the amount of the minimum balance
• Interest accrual: every 3 months
• Capitalization: provided. Accrued interest is added to the deposit amount, increasing income in the following periods
• Early termination: preferential. The interest rate set on the date of opening (prolongation) of the deposit does not change.

Interest rate

3.50% per annum (3.55% per annum with capitalization)

1.2. Sberbank deposit "Replenish" for pensioners

This is a replenished deposit of individuals for those who prefer to save and save their funds regularly.

(+) Plus: there is the possibility of replenishing the account.

Deposit conditions

• Term: from 3 months to 3 years
• Replenishment: provided
• Minimum deposit: cash - from 1,000 rubles / 100 US dollars, non-cash - unlimited.
• Partial withdrawal: not provided

In rubles

In US dollars

Doesn't fit? See deposit rates at Rosselkhozbank -

1.3. Sberbank deposit "Save" for pensioners

This is a classic deposit of individuals to receive a guaranteed maximum income. It has a more favorable rate than the "Replenish" deposit, but there are also a number of disadvantages.

(+) Plus: high interest rate.

Deposit conditions

• Term: from 1 month to 3 years
• Amount: from 1,000 rubles / 100 US dollars
• Replenishment: not provided
• Partial withdrawal: not provided
• Capitalization: provided. Accrued interest is added to the amount of the deposit, increasing income in the following periods.
• Interest accrual: monthly. Accrued interest can be withdrawn, as well as transferred to the card account.

Interest for pensioners (% per annum)

without capitalization / with capitalization

In rubles

In US dollars

Did not impress? See what interest on deposits gives Gazprombank -

2. The most profitable deposits of Sberbank for pensioners

In order for a pensioner to make a deposit at an even higher percentage, you need to have a computer with an Internet connection or go to the nearest Sberbank ATM.

The most profitable and profitable in 2019 for pensioners will be deposits of individuals "Save online" and "Top up online", issued remotely. In this case, the interest rate will be higher than when opening a similar deposit in a branch. Women over 55 and men over 60 can apply.

2.1. Sberbank deposit "Top up online" for pensioners

This is a replenished deposit of Sberbank for those pensioners who prefer to save and regularly save their money. It is issued via the Internet.

(+) Plus: increased rate, there is the possibility of replenishing the account.

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

Deposit conditions

• Term: 3 months. - 3 years
• Amount: from 1,000 rubles / 100 US dollars
• Replenishment: provided
• Minimum deposit amount: in cash - from 1,000 rubles / 100 US dollars. Cashless - unlimited
• Partial withdrawal: not provided
• Capitalization: provided. Accrued interest is added to the amount of the deposit, increasing income in the following periods.
• Interest accrual: monthly. Accrued interest can be withdrawn, as well as transferred to the card account.

without capitalization / with capitalization

In rubles

Approximate calculation of the deposit. For example, if a pensioner opens a “Replenish Online” deposit in the amount of 100,000 rubles for a period of 1 year, then the rate, taking into account capitalization, will be 5.43%, and income - 5,430 rubles. As a result, in a year you will take 105,430 rubles from the bank.

In dollars

Few? Look at the percentage of deposits in VTB Bank today -

2.2. Sberbank deposit "Save online" for pensioners

(+) Plus : maximum interest rate.

(-) Minus: there is no possibility of replenishing the account and partial withdrawal of money without losing interest.

Deposit conditions

• Term: 1 month. - 3 years
• Amount: from 1,000 rubles / 100 US dollars
• Replenishment: not provided
• Partial withdrawal: not provided
• Capitalization: provided. Accrued interest is added to the amount of the deposit, increasing income in the following periods.
• Interest accrual: monthly. Accrued interest can be withdrawn, as well as transferred to the card account.

Interest rate for pensioners (% per annum)

without capitalization / with capitalization

In rubles

Approximate calculation of the deposit. For example, if a pensioner opens a “Save Online” deposit in the amount of 100,000 rubles for a period of 1 year, then the rate will be 5.9% (with capitalization), and the income will be 5,903 rubles. As a result, in a year you will take 105,903 rubles from the bank.

In US dollars

Not enough? See the most profitable deposits for pensioners in banks

How to open the most profitable deposit in Sberbank for pensioners

Making deposits "Save online" and "Top up online" is quite simple:

1. Log in to Sberbank Online and select the "Deposits and Accounts" section.
2. Select the menu item "Opening a deposit".
3. Read the conditions for depositing funds and select the appropriate deposit.
4. Click Continue.
5. Fill out the application: select the debit account, the amount to be credited and the term of the deposit.
6. Click "Open".

Deposit is open!

Conditions for early termination of deposits in Sberbank

In any unforeseen situation, if you need money before the end of the deposit, you can always get it. But you may not see the percentages. For deposits "Replenish" and "Save", issued both at the bank branch and online, the following conditions for early termination apply today:

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:

• within the first 6 months after the opening of the deposit - based on the interest rate of 0.01% per annum;
• after 6 months after the deposit is made - 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.