Deposit at a high interest rate from Sberbank for individuals. Which deposit in Sberbank is better to open?

Having decided on the bank, we begin to choose the product we are interested in at the most favorable conditions. In Sberbank of Russia there are several types of deposits for individuals(on this moment there are more than ten of them), both foreign currency and ruble. Depending on which category of citizen you belong to, one or another type of deposit may be most attractive to you.

Here are just some of the most popular deposits:

• Pension.
• Save.
• Manage.
• Gift a life.
• Multicurrency.
• International and others.

In this article:

Pension deposit

If you are a pensioner and want to deposit your money in Sberbank, interest rate on the deposit will be 6.95% if it is a ruble deposit. And 1.8% per annum if you intend to deposit in US dollars. Accordingly, in Euro the percentage will be even slightly lower - 0.55% per annum.

A ruble deposit starts with an amount of 1000 rubles, it can be made for a period of six months or more. For example, if you put 10,000 rubles on a pension deposit for a year, the amount will accrue in 12 months to 716 rubles. Interest on the deposit will be transferred monthly to your card, or, at your request, capitalized with the original amount. The deposit can be replenished if you deposit money in cash, the minimum replenishment amount must be at least 1000 rubles.

Save online

The maximum rate on the Sberbank deposit “Save Online” is 6 - 7.7%. The amount you will need to deposit into the account must be at least 2,000,000 rubles. Let's do a little calculation. For example, you deposited this amount for a year, your interest on the deposit was 7.3. At the end of the year, your account will no longer have 2,000,000, but 2,150,745 rubles (with capitalization of interest). At your discretion, interest can be withdrawn monthly for your personal needs.

The same deposit made in foreign currency will be slightly different from the ruble equivalent. You will have to deposit a minimum of $100,000 for three years, your income during this time will be about $7 thousand.

Deposit calculator

Deposit amount

Interest rate (%)

Deposit term (months)

Monthly interest

Reinvested withdrawn

Manage savings

If you want to have access to your savings, withdraw funds and replenish your deposit, the most advantageous offer The “Manage” deposit will be available for you. The interest rate on it is 5 - 6.5%. It is necessary to deposit 700,000 rubles for at least six months. The percentage is slightly lower than that of the above-mentioned deposits, but the opportunity to manage your funds at any time is worth it.

Like other bank products, the “Manage” deposit also has online options. The interest rate on it is slightly higher than that of its banking “brother”.

gift a life

Another Sberbank deposit is somewhat different from other deposits. You can deposit an amount of 10,000 or more into the account. The interest rate on the deposit will range from 6.5 - 7.3%. The peculiarity of the deposit is that part of the income received - 0.3% per annum every three months is transferred to help children suffering from cancer. The charitable foundation bears the same name as the Gift of Life contribution.

Deposits with currency

You can make a deposit in Sberbank (not only in foreign currency, but also in rubles) under the Multicurrency program for a period of one to two years at approximately 6% per annum in rubles, and at 1.5% per annum in US dollars.

All listed contributions are relevant for the summer of 2016. You can determine which deposits will be most convenient for you by analyzing all the offers and identifying the most important aspects. For some, this is an opportunity to freely manage in cash, for others - to preserve and increase their savings for a long time, there are also those for whom charity will be the decisive argument. There is a choice, all that remains is to make the right decision.

Would you like to deposit money at interest in Sberbank and be able to calculate your profit in advance using a calculator? Today we will tell you about exactly what programs it offers this organization, and how you can open a deposit here.

What deposits are there in Sberbank?

So, if you want to deposit your money into a bank account, then you will need to make a bank deposit (deposit). At the moment, there are more than 10 different options in the bank; we will consider with you those that are the most popular today.

Programs issued in the departments:

1. “Record” is a promotional deposit, applications for the opening of which are accepted until November 30 of the current year inclusive. You will need to invest at least 50 thousand for a period of 7 months to 1.5 years. The yield varies from 6.5% to 7.15% depending on the duration of the contract you choose, payment at the end of the term, without additional options;
2. “Save” is a classic deposit, issued for a period of 1 month with an amount of 1000 rubles. Rate from 3.55% to 5.15% per year;
3. “Replenish” - has the same minimum amount, but also allows you to make additional contributions to your accounts. Validity period – from 3 months, yield – from 3.20% to 4.7%;
4. “Manage” - this deposit can be issued by investing an amount of 30 thousand rubles for a period from 3 to 36 months. You can withdraw partial funds, you can top up your account. Percentage – from 2.5% to 4.4%;
5. “Gift of Life” is a profitable contribution that allows you to engage in charity. It is necessary to invest an amount of 10 thousand rubles for 1 year, the interest is fixed - 5.05% per year. Part of the amount is transferred quarterly to charitable foundation;
6. Social - up to 4.25% yield, deposit size - from 1 rub., term - up to 1095 days. The conditions are identical to the program above.
7. “Savings account” is a convenient account that is valid indefinitely. There you can keep any amount in any currency, withdraw and top up unlimitedly. The rate will be up to 1.8% per year.
8. Pension plus is a special offer with an accrual of up to 3.5%. Amount - from 1 ruble. Period - up to 1095 days. Quarterly payment of interest, capitalization, termination on preferential terms, the possibility of making additional payments and partial withdrawal of funds.

An online calculator has been developed to calculate your income:

How to open a deposit in person?

To make a deposit at a bank office , you will only need a passport of a citizen of the Russian Federation and a pension certificate if you have one. All you need is to personally come to the nearest Sberbank branch, sign an agreement, open an account and deposit the minimum amount there.

In the event that you want to open a deposit for your relative, loved one or friend, you will need one, drawn up and certified by a notary. It is best to take a sample directly from a bank branch so as not to make a mistake with all the necessary wording and details.

In this case, you receive a power of attorney in advance, and then bring it with your passport to the department, where you will act on behalf of another person. There are no difficulties here; this is a very common form of service.

If you need to open a deposit, then only the “Top up” program option will be available to you. You independently contact the branch, deposit the required amount(from 1000 rubles) with the possibility of further replenishment.

Your recipient will be able to manage this money only after reaching adulthood; before that, cash can be withdrawn from the account only with the consent of the guardianship authorities.

Deposits in Sberbank online

If you are an existing client of the bank and are connected to the Sberbank Online system, then you can make some deposits via the Internet. In this case, you receive a higher rate, in particular:

• “Save Online” - income from 3.80% to 4.45% per annum;
• “Replenish Online” - rate from 3.45% to 4.10% per year;
• “Manage Online” - profit from 2.75% to 3.80%.

If you want to open a deposit remotely, i.e. via the Internet, then you first need to open a debit account or card at the bank into which you need to deposit the minimum deposit amount. After this, follow these steps:

1. Go to your Personal Account;
2. Select the “Deposits and Accounts” section,
3. Next you need the menu item “Opening an account”;
4. Explore the programs, select the appropriate option and click “Continue”;
5. After this, fill out an application where you need to indicate: write-off account, amount and term. Or the desired bet, and then the program will automatically select the remaining conditions.
6. Then click “continue”, check the box “I agree with the terms of deposit” and click “confirm via SMS”. You need to confirm the operation with a code that will be sent via SMS.
7. The deposit is open; if necessary, you can obtain a written version of the agreement at the bank branch where you are served.

The proposed range of deposits at Sberbank of Russia for individuals is extensive and varied. In fact, it’s not difficult to deal with them, because each type of deposit is specifically designed for a specific category of clients. And therefore, the concept of “the most profitable Sberbank deposit” is ambiguous and is determined for each depositor individually, based on specific conditions and financial capabilities.

Before investing money in Sberbank at interest, choose for yourself best option.

The most profitable investment is determined by the interest rate: the higher it is, the more profitable the deposit will be.

The interest rate depends on:

• amounts;
• term;
• the method of opening the deposit - in the branch or remotely;
• frequency of interest calculation.

When choosing, you also need to pay attention to additional options:

• replenishment, which will allow you to accumulate the required amount;
• early withdrawal if an unexpected need for funds arises;
• capitalization of accrued interest, in which the amount of interest is added to the original amount and further interest is accrued on total amount deposit;
• payment of the accrued interest, then you can spend it.

If you have free money temporarily, it is better to open a time deposit for the period that suits you.

It should also be remembered that there are special conditions for pensioners on deposits in Sberbank.

Proposed short review will help you choose the right deposit in Sberbank.

Time deposits

The line of Sberbank time deposits in 2017 includes the following types of deposits:

• “Save”, “Replenish”, “Manage”;
• “Save Online”, “Replenish Online”, “Manage Online”;
• “Special Save”, “Special Replenish”, “Special Manage” - with increased rates for owners of the Sberbank Premier service package;
• "Social";
• "Gift a life";
• savings account.

The main basic deposits are “Save”, “Replenish”, “Manage”, let’s look at them in more detail. The rest are their varieties or represent special solutions.

“Save”, “Replenish”, “Manage”

The most profitable deposits in this group are “Save”; today they have the highest interest rate. This deposit is convenient for investors who have free funds and can place them for a certain period without the possibility of early withdrawal. Of course, you can terminate the contract at any time, but with the loss of all accrued interest.

“Replenish” will help you accumulate the necessary amount for a purchase or other purpose. Deposits and partial withdrawals provide the opportunity to save some amounts or withdraw them in case of unexpected expenses.

“Manage” – allows you to freely manage your funds: you can replenish or partially withdraw amounts without losing interest. But the minimum amount to open this type of deposit is quite high.

The main characteristics of the deposits are presented in Table 1.

“Save Online”, “Replenish Online”, “Manage Online”

The line of “Online” deposits differs from the basic deposits of the same name by an increased interest rate.

Let's take interest rates in rubles as an example:

• “Save Online” – from 4.05 to 5.63;
• “Refill Online” – from 3.95 to 5.12;
• “Manage Online” – from 3.25 to 4.82.

Deposits for owners of the Sberbank Premier service package

A group of deposits with higher rates - “Special Save”, “Special Replenish”, “Special Manage” - is available for opening only to users of the Sberbank Premier package.

This line differs from the basic one in a higher interest rate and great value minimum deposit amount.

Special deposits

The group of special deposits includes 3 types of deposits.

1. “Social” – for orphans. It is opened only by employees in Sberbank branches. It is necessary to present documents on guardianship issued by the guardianship authorities.
2. “Give Life” is a contribution for charitable clients. Sberbank quarterly transfers funds to the Gift of Life charity fund in the amount of 0.3% per annum of the deposit amount. Help is provided to children with cancer and hematological diseases.
3. A savings account will allow you to freely manage your funds. Daily account management, including replenishment, payments, partial withdrawals.

Perpetual deposits

This group of permanent deposits is represented by 3 types. All of them are replenished, with the possibility of partial withdrawal.

1. “On demand from Sberbank of Russia”, an analogue of a current account.
2. “Universal of Sberbank of Russia” is recommended for making transfers and payments, a reliable and convenient tool.
3. Nominal account for crediting social benefits. Opens only in Sberbank branches in the name of parents, trustees or guardians to receive funds for the maintenance of minor children or incapacitated citizens.

Deposits for pensioners

For pensioners, Sberbank has developed a special program “Golden Years”, within the framework of which the deposit “Pension+ of Sberbank of Russia” and special preferential conditions for deposits are offered:

• "Save"
• "Save Online"
• "Replenish"
• "Recharge Online".

Increased interest rates and the absence of conditions on the value of the minimum amount will allow people of retirement age to receive additional benefits.

The most profitable are deposits placed for a longer period, without the possibility of replenishment and withdrawal, opened remotely through ATMs, terminals or the Sberbank Online application.

The most profitable and profitable deposit in Sberbank in 2019: read how to choose and open a deposit with the maximum interest rate.

Sberbank, perhaps, primarily attracts depositors with its reliability. It is no secret that opening individual deposits with Sberbank is one of the most reliable ways to invest money in 2019. Sberbank is the largest bank in Russia in terms of the volume of deposits of individuals and ranks first in ratings in terms of assets, availability equity and many others.

You can open a Sberbank deposit not only in Moscow, St. Petersburg or another big city, but even in small populated areas, since there are a lot of bank branches.

Of course, many small banks offer depositors higher interest rates on personal deposits. But in the line of Sberbank deposits today you can also find deposits with fairly high interest rates. So let's consider what is the most profitable deposit in Sberbank in 2019.

The highest interest rates on deposits in Sberbank 2019

Like many banks, Sberbank has deposits for regular and premium clients. Of course, the latter are a little more profitable, but due to the large initial deposit amount and a number of other requirements, not everyone can take out premium deposits. We will return to them below, but for now we will consider the most profitable deposits from the basic line that any client can open.

1. The most profitable deposits from the basic 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 deposits of individuals. And when opening deposits in the Sberbank-Online Internet bank, an ATM or a self-service device, the interest rate is higher!

Sberbank deposits with increased interest rates for ordinary clients in 2019 are called: “Save Online”, “Replenish Online” and “Manage Online”.

1.1. Sberbank deposit with an increased interest rate "Keep ONL@yn"

This is an online deposit for reliably preserving your savings and receiving a guaranteed income.

(+) Plus: high interest rate.

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

Terms of deposit

• Duration: 1 month. - 3 years
• Amount: from 1,000 rubles / 100 US dollars
• Replenishment: not provided
• Partial withdrawal: not provided, excluding accrued interest.
• Interest accrual: monthly. The accrued interest can be withdrawn or transferred to the card account.
• Capitalization: provided. The accrued interest is added to the deposit amount, increasing income in subsequent periods.

Interest rate

Doesn't fit? See interest rates on deposits in

1.2. Sberbank deposit “Replenish Online”

A replenishable deposit for those who prefer to save and regularly deposit their funds using the convenient and reliable Sberbank Internet bank.

(+) Plus: it is possible to top up your account.

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

Terms of deposit

• Duration: from 3 months to 3 years;
• Deposit amount: from 1,000 rubles / 100 US dollars;
• Replenishment: provided;
• Minimum contribution: cash - from 1,000 rubles / 100 US dollars, non-cash - unlimited;
• Partial withdrawal: not provided;
• Capitalization: provided.

Interest rate

1.3. Sberbank deposit "Manage Online"

Online deposit for free money management with the ability to use part of the funds without losing interest.

(+) Plus: it is possible to replenish your account and partially withdraw money without losing interest.

(-) Minus: low interest rate.

Terms of deposit

• Duration: from 3 months to 3 years;
• Deposit amount: from 30,000 rubles / 1,000 US dollars;
• Replenishment: provided. Cash - from 1,000 rubles / 100 US dollars; Non-cash - unlimited;
• Partial withdrawal: provided up to the minimum amount of the minimum balance without loss of accrued interest.

Interest rate

The most profitable Sberbank deposit 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:

1. Log in to Sberbank Online and select the “Deposits and Accounts” section.
2. Select the menu item “Open a deposit”.
3. Read the terms and conditions for placing funds, select a suitable deposit and click: “Continue”.
4. Fill out the application: select the debit account, the amount to be credited and the deposit period.
5. Click: “Open”.

You can print out a deposit agreement opened in Sberbank Online yourself in personal account in the “Transaction History” section, or obtain it by contacting any bank office.

2. The most profitable deposits for premium clients

Sberbank deposits for premium clients are even more profitable than online deposits. But, unfortunately, not everyone can open them. Only owners of the Sberbank Premier / Sberbank First service package can make these special deposits.

Their basic conditions (possibility of replenishment, withdrawal, interest accrual, etc.) are the same as those of their analogues from the basic line. The only differences are in the minimum down payment amount and interest rates.

2.1. Contribution "Special Save"

Deposit with increased rates for owners of the Sberbank Premier/Sberbank First service package.

Basic conditions

• Duration: from 1 month to 3 years
• Without replenishment
• No partial withdrawal

Interest rates

Not profitable? See interest rates on deposits in

2.2. Contribution "Special Replenish"

Replenishable deposit with increased rates for owners of the Sberbank Premier/Sberbank First service package.

Basic conditions

• Duration: from 3 months to 3 years
• Amount: from 700,000 rubles / 50,000 dollars.
• With replenishment
• No partial withdrawal

Interest rates

2.3. Contribution "Special Manage"

A spending deposit with increased rates for owners of the Sberbank Premier/Sberbank First service package.

Basic conditions

• Duration: from 3 months to 3 years
• Amount: from 700,000 rubles / 50,000 dollars.
• With replenishment
• With partial removal

Interest rates

The conditions and interest rates of all other Sberbank deposits can be viewed

How to apply for profitable premium deposits from Sberbank

First of all, you need to become a premium client of the bank. To do this, you need to sign up for a package of services “Sberbank Premier” or “Sberbank First”, which, by the way, allow you not only to open deposits on special conditions, but also give clients a number of other advantages. To use the premium package of services for free, you must have more than 1.5 million rubles in your Sberbank accounts.

The procedure for registering special deposits is the same as for deposits from the basic line, described above. You can open premium deposits both at a bank branch and online via the Internet.

See also interest on bank deposits

Conditions for early termination of Sberbank deposits

In any unforeseen situation, if clients need money ahead of schedule When the deposits expire, you can always get them.

Early termination of deposits of the “Save”, “Replenish” and “Manage” groups is carried out under the following conditions:

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

2. For deposits for a period exceeding 6 months:

• during the first 6 months of the main (extended) term - based on an interest rate of 0.01% per annum;
• after 6 months of the main (extended) term - based on 2/3 of the interest rate established by Sberbank for this species deposits on the date of opening (extension) of the deposit.

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

The well-being of Russians is gradually growing. Some may even save small amounts for specific needs. It is desirable that these savings generate income. For these purposes, banks have a deposit service. They differ in terms, amounts, rates, currency and category of borrowers they are aimed at. From this article you will learn what is the most profitable deposit in Sberbank.

Information about the organization

Sberbank is one of the stable and reliable financial institutions that Russians trust with their savings. For 2015, the credit institution did not develop new programs. Funds will be raised according to the old ones. Which one should I apply for in 2015?

For every taste

Depending on the currency, you can invest in rubles, dollars and euros. For lovers of “non-traditional” programs, there is a special “International” deposit with a minimum amount of 10 thousand (in pounds, francs or yen) and an interest rate of up to 4.5%. For those wishing to accumulate funds for a trip abroad, there are 7 different options - “Replenish”, “Manage”, “Save” (can be opened in a branch or personal account on the website), Special offers for pensioners.

What is the most profitable deposit in Sberbank in 2015?

Today, a deposit is a way to save money from inflation. According to economists' forecasts, this year it will reach 15%. Rates for the most profitable programs do not exceed 11%. Therefore, if you have a small amount, then it is better to choose a program under the terms of which money can be deposited into the account after signing the documents. Deposits from the “Manage” series are provided for clients who intend to withdraw money during the contract period. The interest rates on them are lower than in “Save” and “Replenish”, but this is a fee for the free disposal of funds. The benefit depends on the validity period of the deposit. If you open “Top Up Online” for 6 months in the amount of 100 thousand rubles, then at the end of the term the client will receive 10.5% per annum (with capitalization), for 1 year - 10.6%.

Types of investments

To understand which Sberbank deposit is the most profitable for you, you need to answer several questions:

• Are you planning to top up your account?
• Will you be cashing out?
• For how long do you want to make a deposit?
• How much do you have?
• What currency do you prefer?

By answering these questions, you can choose the best option for yourself. Today, Sberbank offers these types of deposits.

"Save":

• without the possibility of replenishment and early withdrawal of funds;
• minimum amount - 1000 rubles;
• term - up to 36 months;
• rate - 6.4-7.7%.

Taking into account capitalization maximum benefit can be obtained by placing a deposit for 3 years.

"Replenish":

• the name of the program itself indicates that money can be added during the contract period;
• amount - 1000 rubles;
• term - up to three years;
• rate - from 6% to 7.28%.

"Manage":

• possibility of replenishment and early withdrawal;
• minimum amount - 30 thousand rubles;
• term - 3 months - 3 years;
• rate - from 5.05% to 6.1%.

These are the basic programs of Sberbank. They have “online” analogues, which can be registered directly in your personal account on the bank’s website. And in this case the interest rate will be increased.

Unique programs

"Multi-currency":

• period - 12-24 months;
• currency - rubles, dollars and euros;
• - 5 monetary units;
• the rate depends on the term; it can range from 0.01% with an account balance of 5 rubles to 6.21% if 100 thousand rubles are invested.

"Savings" makes it possible to receive additional income, even if the funds were invested for 1 day. The rate ranges from 1.5-2.3%, depending on the amount. Capitalization and partial withdrawal are provided.

"Profitable"- deposit without the possibility of replenishing funds during the contract period. The relationship between the rate and the deposit term is inverse. That is, if for 365 days, then the profitability will be 8%, 12-18 months - 5%, a longer period - 3.7%. The minimum amount is one thousand rubles.

"Gift a life"- charity program. Its peculiarity lies in the fact that once a quarter deductions are made to the children's assistance fund in the amount of 0.3%. You can open a deposit for 1 year with a minimum amount of 10 thousand rubles. Rate: from 6.40% to 6.55%.

Option for pensioners

For the most vulnerable category of the population special conditions developed by Sberbank. What is the most beneficial investment for older people? Depends on the purpose of the deposit. If a person invests money so that it is not “eaten up” by inflation, then it is better to choose the most simple programs. The percentage for them will be the highest. The conditions of programs for pensioners differ from the basic ones in terms of rates.

• "Save": from 5% to 7.76%.
• "Replenish": from 5.3% to 7.28%.
• "Pension plus": quarterly rate from 3.5 to 3.67%. You can immediately transfer your pension to this deposit.

Profitable deposits on deposits

For better perception We have compiled a table for you below:

What is the most profitable deposit in Sberbank? As you can see from the table, “Save online.” Since it is impossible to replenish or withdraw money in parts, the rate for using funds is the highest. And taking into account capitalization, the basis for calculating interest is not the original amount, but the amount increased due to the monthly payment of remuneration.

How to make a decision

An ideal deposit consists of the following points:

• reliable bank;
• optimal timing;
• maximum bet;
• capitalization;
• possibility of replenishment.

Finding a deposit that will meet all these parameters is quite difficult. Jumping to high percentages is dangerous. The Central Bank of the Russian Federation officially publishes the refinancing rate. If a bank offers to invest funds at a significantly higher interest rate, this means that it is experiencing financial difficulties and is trying by any means to attract customers.

It is also important to pay attention to the terms of service. The possibility of replenishment may become relevant for customers. who are saving for the trip. It is better to receive interest at the end of the term along with the principal amount of the deposit, unless you are going to deposit 1 million rubles. It is important to pay attention to the type of bet. It may change during the contract period. For people who are saving money for a rainy day, it is better to look for a deposit with the possibility of early withdrawal.

Conclusion

Each client chooses the most optimal deposit option himself. Some people invest to protect them from inflation. Others save money just in case. Still others, although they trust their funds to the bank, want to be able to control the account. Deposits from Sberbank of Russia are the most profitable offer on the market. Clients can not only control the account, but also invest funds directly via the Internet at a higher interest rate.