Interest and deposits of the Savings Bank of the Russian Federation. Put money at interest in a savings bank

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 the opening of deposits individuals in Sberbank - this is one of the most reliable ways to invest money in 2019. Sberbank is the largest bank in Russia in terms of retail deposits and ranks first in the ratings in terms of 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 bank branches.

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

The highest interest on deposits in Sberbank 2019

Like many banks, Sberbank has deposits for ordinary and premium clients. Of course, the latter are a bit more profitable, but due to the large initial deposit amount 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 deposits from the basic line that any client can open.

Sberbank deposit from February 1, 2019 "Catch the benefit": conditions and interest

Deposits "Big plans" and "Without a passport" of Sberbank with a rate of 7.4%

Sberbank deposits for individuals in 2019 for today

Sberbank deposit "Catch the benefit" in 2019 for individuals and pensioners

This is a seasonal offer. Like most of these promotional deposits, "Catch the Profit" has an increased interest rate, but very limited opportunities account management. You can issue it at a bank branch, via the Internet or at an ATM only until March 31, 2019.

(+) Plus: high interest rate.

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

Conditions

• Term: 5 months, 1 year, 1 year 6 months;
• Currency: Rubles;
• Amount: from 50,000 rubles;
• Replenishment: not provided;
• Partial withdrawal: not provided;
• Capitalization: not provided;
• Interest accrual: at the end of the term.

Interest rates

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 branch of Sberbank, the depositor will be offered standard conditions and interest rates contribution 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 higher interest rates for ordinary customers in 2019 are named: “Save Online @ yn”, “Replenish Online @ yn” and “Manage Online @ yn”.

1.1. Sberbank deposit with an increased interest rate "Save Online"

This is an online deposit to securely store your savings and receive a guaranteed income.

(+) Plus: high 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
• Interest accrual: monthly. Accrued interest can be withdrawn, as well as transferred to the card account.
• Capitalization: provided. Accrued interest is added to the amount of the deposit, increasing income in the following periods.

Interest rate:

1.2. Deposit "Replenish Online" of Sberbank in 2019

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 withdrawal of money without loss of interest.

Deposit conditions

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

Interest rate

1.3. Deposit of Sberbank "Manage Online"

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

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

(-) Minus: low interest rate.

Deposit conditions

• Term: 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; Cashless - not limited;
• Partial withdrawal: provided up to the level of the minimum amount of the minimum balance without loss of accrued interest.

Interest rate

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:

1. Log in to Sberbank Online and select the "Deposits and Accounts" section.
2. Select the menu item "Open deposit".
3. Familiarize yourself with the conditions for placing funds, select the appropriate deposit and click: "Continue".
4. Fill out an application: select the account to be debited, the amount to be credited and the term of the deposit.
5. Press: "Open".

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 main conditions (the possibility of replenishment, withdrawal, interest accrual, etc.) are the same as those of their counterparts from the basic line. The differences are only in the minimum amount of the first installment and interest rates.

2.1. Contribution "Special Save"

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

Basic conditions

• Term: from 1 month to 3 years
• Without replenishment
• Without partial removal

Interest rates

2.2. Contribution "Special Refill"

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

Basic conditions

• Term: from 3 months to 3 years
• Amount: from 700,000 rubles / 50,000 dollars.
• With replenishment
• Without partial removal

Interest rates

2.3. Contribution "Special Manage"

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

Basic conditions

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

Interest rates

How to arrange profitable premium deposits of Sberbank

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

The very same procedure for making 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.

Conditions for early termination of Sberbank deposits

In any unforeseen situation, if customers need money ahead of time the end of deposits, they can always be received.

Early termination of the deposits of the "Save", "Replenish" and "Manage" groups is carried out on the following terms:

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

2. For deposits for more than 6 months:

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

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

The most profitable deposit in Sberbank today in 2019. conclusions

Judging by the interest rate, the most profitable deposit of Sberbank (apart from seasonal deposits) is "Save Online" for ordinary individuals or "Special Save" for premium clients. But they cannot be replenished!

So, if you intend to save money, then the most preferable for you will be making a deposit with an increased rate of “Replenish Online @ yn” or “Special Replenish”. But money cannot be withdrawn without loss of interest!

So, if you plan to withdraw some of the money from the deposit at any time, then the deposit “Manage Online @ yn” or “Special Manage” will be the most profitable for you.

Sberbank deposits for individuals in 2019 became less attractive due to the rate update. Read on this page how favorable interest rates and conditions are offered to the population today by the largest bank in Russia.

Sberbank of Russia in 2019 offers its clients several types of profitable deposits for individuals with capitalization or monthly withdrawal of interest, as well as the possibility of replenishing or spending part of the invested funds.

1. Deposits of the type " save» are designed for those who are ready to invest a large amount for several years and not use this money in order to get the maximum income. There is also the opportunity to put a large amount into an account with Sberbank and live off the interest.
2. Other Sberbank deposits for individuals, for example, " Replenish”, have the ability to replenish the account and are beneficial for those who intend to save money.
3. And deposits like " drive» are designed for those who have little free funds and some of the savings may be needed at any time. This is convenient, but the interest rate in this case is not high.

Today, deposits can be made in Sberbank only 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.

Sberbank: interest and terms of deposits of individuals

In 2019, Sberbank updated the rates for deposits in rubles and dollars. Read at what percentage you can open Sberbank deposits for individuals today. Compare the conditions to choose the most profitable deposit for you.

You should pay attention to this deposit for individuals if you need to securely save money and receive a guaranteed stable income. By putting a large amount in the bank, you can withdraw good interest every month.

(+) Plus : high interest rate.

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

Conditions

• Term: from 1 month to 3 years;
• Currency: Rubles / Dollars;
• Replenishment: no;
• Partial withdrawal: no;
• Capitalization: provided. Accrued interest is added to the amount of the deposit, increasing income in the following periods.
• Interest accrual: monthly withdrawal or capitalization.

Interest rate

Deposit "Save Online"

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

Deposit "Special Save"

A deposit with increased rates for owners of the Sberbank Premier or Sberbank First service package. It is opened in the amount of 700,000 rubles or 50,000 dollars.

Deposit "Leader Save"

This deposit for individuals will be of interest to those who prefer to save and regularly save money. But there is also the possibility of monthly withdrawal of interest.

(+) Plus: it is possible to replenish the account.

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

Conditions

• Term: from 3 months to 3 years.
• Currency: Rubles / Dollars;
• Amount: from 1,000 rubles / 100 dollars;
• Replenishment: yes.
• Partial withdrawal: no.
• Capitalization: yes.

Interest rate

Deposit "Top Up Online"

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

Deposit "Special Replenish"

A replenishable deposit with increased rates for owners of the Sberbank Premier/Sberbank First service package. It is opened in the amount of 700,000 rubles or 50,000 dollars.

Deposit "Leader Replenish"

This is a premium deposit with increased rates for owners of the Sberbank First service package. It is opened in the amount of 5 million rubles, 150,000 dollars or 150,000 euros.

Deposit "Top up in the name of the child"

This is a replenishable deposit that is opened by an adult (parent or legal representative) for a minor child. Any person can replenish the deposit, and in order to withdraw money before the child’s 18th birthday, permission from the guardianship authorities will be required.

From the age of 14, the child will be able to independently replenish the deposit and withdraw the accrued interest, and from the age of 18, he will receive full access to money.

Opening a deposit is possible only in a branch. This will require the passport of the one who opens the deposit, and the birth certificate of the child in whose name it is issued.

Conditions

• Currency: Rubles / Dollars;
• Amount: from 1,000 rubles / 100 dollars;
• Term: from 3 months to 3 years;
• Replenishment: provided.
• Minimum deposit: cash - from 1,000 rubles / 100 dollars, non-cash - unlimited.
• Partial withdrawal: no;
• Capitalization: provided.

Interest rates

This deposit for individuals will provide secure storage of savings with the ability to withdraw part of the funds without loss of interest before the deposit expires.

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

(-) Minus: low interest rate.

Conditions

• Term: from 3 months to 3 years.
• Currency: Rubles / Dollars;
• Amount: from 30,000 rubles / 1,000 dollars;
• Replenishment: provided;
• Minimum deposit: cash - from 1,000 rubles / 100 US dollars, non-cash - unlimited.
• Partial withdrawal: provided up to the level of the minimum amount of the minimum balance without loss of accrued interest.
• Capitalization: provided.

Interest rate

Deposit "Manage Online"

The conditions of this Sberbank deposit for individuals are similar to the Manage deposit, only it is opened via the Internet. And interest rates are the same today.

Contribution "Special Manage"

Expenditure deposit with increased rates for owners of the Sberbank Premier or Sberbank First service package. It is opened in the amount of 700,000 rubles or 50,000 dollars.

Deposit "Leader Manage"

This is a premium deposit with increased rates for owners of the Sberbank First service package. It is opened in the amount of 5 million rubles, 150,000 dollars or 150,000 euros.

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

Conditions

• Term: 3 years;
• Amount: from 1 ruble;
• Replenishment: provided;
• Partial withdrawal without loss of interest: provided up to the level of the minimum balance amount;
• Interest accrual: every 3 months. Accrued interest is added to the amount of the deposit, increasing income in the following periods.
• Capitalization: provided.

Interest rate

3.50% per annum without capitalization (3.67% per annum with capitalization).

This deposit for individuals is charitable. Part of the funds is directed to help children with oncological, hematological and other serious diseases. Every 3 months, Sberbank transfers an amount of 0.3% per annum of the deposit amount to the Podari Zhizn charitable foundation.

Conditions

• Term: 1 year;
• Currency: Rubles;
• Amount: from 10,000 rubles;
• Replenishment: no;
• Partial withdrawal: no;
• Capitalization: provided.

Interest rate

4.70% per annum (4.78% per annum with capitalization).

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

Conditions

• Term: Indefinitely;
• Currency: Rubles / Dollars / Euro / others;
• Minimum amount: Unlimited;
• Replenishment: Unlimited;
• Partial withdrawal: Unlimited;
• Interest is charged: monthly. On the minimum balance kept on the account for a month - at an interest rate that was determined based on its amount. For the difference between the minimum and actual balance - at an interest rate of 0.01% per annum.

Interest rate

• from 1.00 to 1.80 in rubles;
• 0.01 in US dollars, 0.01 in euros, Canadian, Hong Kong and Singapore dollars, Chinese yuan, and pounds sterling.

How to draw up Sberbank deposits for individuals

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

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

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

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

Conditions for early termination

In any unforeseen situation, if clients need money before the end of deposits, they can always be received.

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

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

2. For deposits for more than 6 months:

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

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

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

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

Sberbank deposits for individuals today do not have the highest interest rates compared to many other banks. But most of The population of Russia still prefers Sberbank to store their savings. Why?

Firstly, it is convenient, since there are bank branches in, perhaps, every city in the country.

Secondly, it is reliable, since the stability of Sberbank is guaranteed by the state and it will not lose its license in the foreseeable future.

Thirdly, during seasonal promotions, it offers quite competitive interest rates, which allows you to invest money on favorable terms.

Do you have accumulated funds, but you do not know how to properly dispose of them? Across the country, dozens of banks offer unique deposit offers. To ensure that you do not lose your finances, you can contact Sberbank, deposit money at interest and receive dividends annually.

At what percentage can I put money in Sberbank - choose a deposit

There are several deposit programs, choosing one of which you can put money in Sberbank at interest. Each of the options will be described in detail below. Such deposits are suitable for all segments of the population: workers, pensioners, entrepreneurs, etc. If you are not sure which of the options for saving money should be used, contact the bank's consultants, they will help you.

Drive Online

This option is suitable for those who want to deposit money at interest in Sberbank Online, while withdrawing some part of the funds if they urgently need it. It provides for the withdrawal of any amounts up to the minimum balance, while the loss of already accrued profit does not occur.

• choose any of the two types of currencies dollars and national;
• the minimum amount of placed funds is 30,000 rubles. or $1,000;
• annual charges: dollars - 0.15-0.8%, rubles - 3.25-4.7%;
• You can open for a period of 3 to 36 months.

It is most convenient to replenish an account by bank transfer through Sberbank Online, since there are no restrictions on this action in this case. If you want to deposit cash, you will have to contact the branch, you can deposit no more than $ 100 or 1 thousand rubles per day. Use the calculator to calculate potential profit.

Save Online

Suitable for those who want to put money at interest for a year in Sberbank Online. Minimum deposit amount: 100 $/1000 rubles. It is impossible to replenish or withdraw funds, all money will be available at the end of the terms specified in the contract. You can open a deposit for 3-36 months.

Charges per year:

• dollar - 0.1-1.35%;
• rubles - 4.05-5.5%.

Profit from interest is divided over the entire term and is credited to the account not at the end of the contract, but monthly. You can't take it off.

Refill Online

You can deposit finance for a period of 3 to 36 months. You can replenish the balance, withdrawing funds until the end of the contract is not available. You can invest from 1 thousand rubles. or $100.

Profit for the year from invested:

• dollars - 0.25-1.15%;
• rubles - 3.95-5%.

Before putting money at interest in Sberbank, study the calculator. This is a special algorithm that every existing bank deposit has, which allows you to understand what profit you will receive in the end by placing funds for a month or a year.

savings account

A comfortable way to put money at interest for those who want to completely freely dispose of it, receiving a small percentage from Sberbank. If you decide to put the currency, there is no minimum balance, the client has the right to deposit any amount. Available: dollar, euro, pounds sterling, Chinese yuan, Hong Kong, Singaporean, Canadian dollars. In all cases, the interest rate is 0.01% per annum.

For the national currency, the interest rate varies depending on the amount in the account. Minimum Interest- 1.5, maximum - 2.3. A savings account allows you to freely replenish and withdraw funds, but in the case of rubles, if you lower the minimum balance limit, the percentage of profit accrual will decrease.

Give life - contribution for a year

It allows not only to receive interest on the funds contributed, but also to help sick children. It is issued for 1 year, it is impossible to replenish or withdraw funds, according to the terms of the contract. Every quarter, 0.125% of the amount you invested will be transferred to the Podari Zhizn charitable foundation. The deposit is opened in the amount of 10 thousand rubles. at 5% per annum. A calculator is available to calculate all charges.

The Podari Zhizn Foundation provides assistance to children who have been struck by serious illnesses. The main directions are: hematological and oncological pathologies.

Note! It is issued only at the bank branch.

Deposit for pensioners

You can put money at interest on pensioners in Sberbank. It is specially designed for those who receive a pension on a Sberbank card, allowing you to receive interest on its balance. It is issued only at the bank branch, with you to have a pension.

• deposit term - 36 months;
• the rate is 3.5% per year, but taking into account capitalization it can grow to 3.67%;
• for the contract to work, 1 ruble or more must remain on the account;
• funds from the account can be withdrawn ahead of schedule, replenishment for any amount is possible.

How to put money in Sberbank at an increased percentage

There are several more options, using which you can put money in Sberbank at a higher percentage. They are designed for wealthy clients. All deposits of the “Special” type can only be opened: by investing 1 million rubles or more, or 50 thousand dollars.

Special Drive

It is positioned as an opportunity for free financial management.

Agreement conditions:

• 3-36 months;
• withdrawals and replenishment of the balance are allowed;
• annual profit: up to 1.48 - in dollars, up to 4.95% - in rubles.

Special Replenish

Created for the accumulation and saving of funds in large quantities.

The main advantages are as follows:

• 3-36 months;
• annual profit: up to 5.26% - in rubles, up to 1.85% - in dollars;
• replenishment of the account is allowed, early withdrawal of funds is not possible.

Special Keep

Allows you to receive the maximum guaranteed income from a deposit in Sberbank.

• 1-36 months;
• withdrawal or replenishment of the account is not allowed by the agreement;
• guaranteed profit for the year: in dollars - up to 2.06%, in rubles - up to 5.91%.

Placement of funds on deposit from 1 month

You can put money for a month at interest in Sberbank using the "Demand deposit". Any currencies are accepted. To open a deposit, you must deposit the minimum amount of the minimum balance - the equivalent of 5 US dollars (for foreign funds) or 10 units of the national currency.

Money can be withdrawn ahead of schedule or funds can be added to the balance, at any time convenient for the client. The balance is charged at 0.01% per annum. You can invest the amount for the first time and issue papers only at a bank branch, you must have a passport with you.

How to deposit money at interest through Sberbank Online

To open a series of deposits: Manage, Save, Replenish, exist simple system registrations:

1. log in to Sberbank Online;
2. open the menu item "Deposits and accounts";
3. click on the button "Opening a deposit";
4. select one of the options that suits you best and click "Continue";
5. enter all the necessary data, do not skip a single field;
6. check the terms of the deposit and click "Confirm";

After that, the application will be processed automatically within 1-5 minutes.

Conclusion

It is very easy to contact Sberbank and deposit money at interest. There are several options for deposits suitable for different segments of the population, including pensioners. Part of the deposits can be opened without leaving home - using Sberbank Online. Put and store money correctly, getting the most out of it.

This page of the Banki.ru portal presents the most actual information on deposits for individuals currently operating in Sberbank of Russia. Here you will find detailed information about the conditions and interest rates on deposits of the largest Russian bank.

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

How to choose a profitable deposit in Sberbank?

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

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