Sberbank profitable. What deposits are there in Sberbank

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

But first, a few important introductory paragraphs.

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

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

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

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

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

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

Sberbank deposits for today

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

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

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

As soon as there was no need to compete with this Sberbank deposit - high interest rates began to collapse like dominoes and other financial institutions.

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

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

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

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

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

How to raise your bid

There are three options for getting a higher rate:

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

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

Capitalization

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

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

Capitalization allows you to increase the rate and total income.

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

Sberbank: deposits for individuals in 2019-2020

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

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

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

Contribution "Save"

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

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

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

How to open a deposit in Sberbank: online simulator

You can try to apply for opening in test mode.

How it works:

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

The simulator is designed so that a potential investor can practice and make sure that everything is simple.

There is also a video tutorial:

Sberbank deposit calculator

Enter the interest on the Sberbank deposit that you are interested in, as well as the term and amount to calculate potential profit.

Online calculator of Sberbank deposits - it is a fast and free way to calculate profitability.

The maximum interest on Sberbank deposits for individuals for 2017: rubles - 6.49% per annum (on the days of promotions - up to 10.00% per annum), dollars - 1.06%, euros - 0.01%.

We are already accustomed to the fact that the interest on Sberbank deposits is the lowest among similar “products” of other Russian banks.

The policy of the bank “makes it clear” that we are the “largest” and “reliable”, and you will still come to us, no matter what rates we approve.

Of course, the policy is “controversial”, because in almost all banks of the Russian Federation that accept deposits from the population, all amounts of Citizens are insured by the State (I now mean deposits up to 1.4 million rubles).

And about the "large" I will only say one thing - competitors represented by "VTB 24" (its "daughters" "Post Bank" - together, as they say "we are strong"), are rapidly opening new offices, developing a whole range of innovative financial programs and tools, slowly taken away from the "dozing" "Sberbank", regular customers.

Well, okay, let's not understand the intricacies of banking policy, but let's focus on Sberbank's deposit programs.

2. Deposit program "Replenish" - with the option of replenishment

In contrast to the above program, in this deposit, there was a replenishment. You can replenish the deposit in the amount of 1,000 rubles, during the entire period of stay.

The maximum rate on deposits in rubles - up to 6.23% per annum.

Interest is accrued monthly, they can be transferred back to the deposit, i.е. use capitalization, or rent for “personal needs”.

Deposit term from 3 months to 3 years. The most favorable rates under the “Replenish” program “lie” in the time interval from 6 to 12 months.

The interest rate depends on the amount and term of the deposit (see table of interest).

You have the opportunity to increase the percentage of the current deposit, if you can replenish the deposit, up to the next amount gradation.

For deposits in dollars from 0.01 to 0.90% per annum. Very low rates on the euro - 0.01% per annum.

Minimum deposit amount: ₽ - 1,000, $ / € - 100.

For deposits of pensioners, the maximum rate of the time period applies, regardless of the amount of the deposit.

Early termination up to 6 months - “threatens” with recalculation of the rate by 0.01% per annum. With a “deposit life” of 6 months, you will retain 2/3 of the rate assigned on the opening day.

3. “Manage” deposit program – with replenishment and partial withdrawal

The “Manage” program allows the depositor to replenish and partially withdraw the deposit during the entire period.

Here is the lowest interest rate, figuratively speaking, the difference in percentage "left" to pay for options.

The maximum you can get: in rubles up to 5.77% per annum(term 6 - 12 months, amount from 2 million rubles, capitalization), in dollars up to 0.60% per annum, euro - standard 0.01% per annum.

The minimum deposit amount (when compared with the above-described “products”) has slightly “grown up” - 30,000 rubles, 1,000 dollars / euros.

Partial withdrawal of money from the deposit is allowed only up to the level of the minimum balance. Withdrawals below this level are penalized with a loss of interest (see early termination rules).

You can replenish the deposit from the amount: 1,000 rubles, 100 euros / dollars.

Accrued interest (calculation is carried out monthly), each depositor manages individually: either transfers for capitalization, or withdraws for “personal needs”.

* – interest capitalization rates.

Deposit term from 3 months to 3 years.

You can actively replenish your deposit and increase the bet by reaching the amount of the next gradation.

Early termination: up to 6 months of the "active" deposit - at a rate of 0.01% per annum, upon termination of 6 months - 2/3 of the interest rate valid at the time of opening is retained.

4. “Gift of Life” deposit program – charitable assistance

Contribution with the help of sick children who suffer from severe oncological, hematological and other diseases.

Charitable assistance consists in the fact that the bank, once a quarter, transfers 0.3% per annum (of the deposit amount) to the Gift of Life Charitable Foundation.

I think that among the contributors there are hardly any people who are indifferent to such assistance.

Maximum deposit rate - 6.45% per annum. Such interest is given on a deposit with capitalization.

If you do not want to use capitalization, then the base rate is 6.30% per annum.

The minimum deposit amount is 10,000 rubles. Savings are accepted only in rubles, for a period of 1 year.

The “Give Life” program does not provide for replenishment and partial withdrawal operations.

Interest is calculated every 3 months.

Early termination, as in other Sberbank programs: up to 6 months - recalculated at a rate of 0.01% per annum, after 6 months - 2/3 of the rate valid at opening is retained.

5. “Pension Plus” deposit program – special for pensioners

For pensioners who receive their pensions to the account of the Pension Fund of the Russian Federation, Sberbank has developed a special program - Pension Plus.

I don't know where you can find a rate lower than in this "product". Interest rate with capitalization – 3.67% per annum in rubles.

The deposit is opened for a period of three years. The minimum opening amount is 1 ruble.

Let this contribution come with replenishment (unlimited) and partial withdrawal (up to an irreducible balance), but such a low rate, for completely “impoverished” pensioners, is “shameful and insulting”.

And dear pensioners can only be advised that if you decide to make a deposit in Sberbank, and want to replenish it and partially withdraw it, then pay attention to the Manage program, the rate there is 5.77% per annum.

Content

Financial instability forces citizens to think about the future. People try to make savings to limit themselves from the unexpected. Keeping the accumulated money at home is unwise. Funds in a reliable financial institution are placed without additional investments or with the possibility of replenishment.

What is a deposit in Sberbank

It is good to keep money in a bank. This guarantees the inviolability, security of savings and ensures the growth of savings. To place a deposit in Sberbank at interest means to increase your savings by the interest offered by the bank on invested funds. The reliability of the financial institution is ensured by the control of the main block of shares of the bank by the Central Bank. The state insurance system guarantees the safety of savings to depositors.

Types of Sberbank deposits

The bank offers its clients financial products for accumulation and increase of funds. The types of Sberbank deposits differ:

• the method of spending savings (it is allowed to use the accumulated funds or not);
• method of accumulation (with or without the ability to replenish savings);
• social orientation.

It is useful for depositors to know what deposits are in Sberbank today:

• Save;
• Replenish;
• Drive;
• Savings account;
• pension plus;
• Gift a life;
• Savings certificate.

Terms of deposits in Sberbank

Among the methods of accumulation offered by the bank, depositors can choose a convenient option. The terms of deposits in Sberbank provide for a monthly accrual of income on savings. Interest can be paid by crediting the account or issued in cash. Income can be added to the amount of deposit savings and monthly increase the amount for interest on invested funds. Interest is capitalized, it can be calculated using the calculator on the website.

Capitalization serves as a source of replenishment of deposits that cannot be replenished under the terms of the agreement. Sberbank cash deposits can be closed ahead of schedule. For bank deposit Keep withdrawals and the ability to replenish savings is not allowed. The Refill banking product provides for making additional savings (up to ten times the initial deposit) without the right to withdraw.

Depositors of the Manage deposit are given the opportunity to manage their savings - use the accumulated funds and make additional contributions (there are limits on the amount). A savings account does not imply restrictions on the number, amount of replenishment and partial withdrawal of funds. Interest is calculated on the minimum amount of savings during the month. The savings account is not urgent, the period of validity of the agreement is not limited by time.

For Save, Replenish, Manage, auto-renewal is possible. Incomes on the short-term deposit Give Life are accrued every three months. A special type of accumulation is the Savings Certificate, it can be given as a gift. Interest on savings is accrued at the end of the validity of the certificate, plus it is not subject to compulsory insurance.

Sberbank deposits for individuals in 2017

News of the Savings Bank of Russia on deposits inform the bank's customers about the termination of accepting foreign currency deposits: Multicurrency of the Savings Bank of Russia; International. The opening of deposits was completed in December 2016, and they are in the archive of Sberbank. The deposits were intended to save the invested funds of the population from fluctuations in the ruble exchange rate.

Shares on Sberbank deposits today

The bank's archive contains the Happy Payment campaign. There is no information about new promotions on deposits. Holiday promotions for deposits with Sberbank ended in January 2019: Maximum percentage; Seasonal. Now bank depositors who have issued a debit card are using the Thank You campaign. When paying by card, they receive bonuses on their account and exchange them for money.

Interest on Sberbank deposits today

The maximum interest on deposits in Sberbank is offered for a savings period of 6-12 months. Within the accumulation period, an increase in the amount of up to 700,000 rubles can increase the profitability of savings. Sberbank's interest on household deposits increases by 0.51% when a deposit is opened remotely.

The following interest rates are currently in effect on deposits with Sberbank:

• Save - 4.6-6.74%;
• Replenish - 5.72-6.23%;
• Manage - 4.62-5.71%;
• Savings account - 1.5-2.3%;
• Give life - fixed 5.95%;
• Savings certificate.

Tariffs for Sberbank ruble savings of the population depend on:

1. purpose of the deposit;
2. term of the contract;
3. way of concluding a contract.

Profitable deposits of Sberbank

The financial institution offers its investors programs that can generate high income. Profitable Sberbank deposits for individuals are issued to citizens who use the Sberbank Premier service package. Anyone can purchase a package. To the package of premium services, depositors receive a special offer with an increase in the deposit rate: Save; Replenish; Manage.

Special offers on deposits are shown in the table:

Currency deposit in Sberbank for individuals

The Bank provided an opportunity for its customers to make savings in foreign currency. Individuals have the opportunity to make currency savings and protect their savings from inflation. Currency deposits in Sberbank exist for deposits: Keep; Replenish; Manage. The conditions for replenishment, withdrawal, early termination for them remain the same as for ruble deposits.

Currency deposit in dollars in Sberbank

Deposit Save for dollar savings eliminates the possibility of additional deposits and withdrawals, Replenish - allows replenishment of investments. A foreign currency deposit in dollars at Sberbank Manage provides an opportunity to increase the amount and withdraw savings. The maximum return on invested dollars is offered to citizens for a cumulative period of one to two years and a savings amount of $20,000. Specify the conditions in the table:

Euro deposits at Sberbank today

Depositors can make savings in euros. Among all deposits, the profitability of euro investments is minimal. The profitability of the euro deposit is set at 0.01 percent per annum. Deposits in euros at Sberbank differ in today's minimum size and accumulation period. Euro savings at a minimum yield help citizens protect their accumulated funds from depreciation. See the conditions in the table below:

Sberbank deposits for pensioners

There are special offers from the bank for pensioners. For them, a profitable deposit is provided in Sberbank Pension Plus. The terms of the deposit imply the possibility of unlimited replenishment of the accumulation, withdrawals - up to the level of the minimum initial contribution. Deposits Save and Replenish are issued to pensioners on general terms, but the maximum interest rate is provided for each accumulation period.

Compare Sberbank deposits for pensioners and their conditions in the table:

Put money at interest in Sberbank

There are two ways to open a deposit in Sberbank for an individual:

1. In the presence of a bank manager. The contract is drawn up upon presentation of a passport (for pension banking products - a pension certificate).
2. Independently on the official website of the bank. Payroll card holders can put money at interest in the online system. Replenishment of funds is carried out by the depositor in a non-cash way. The banking service provides customers with a calculator with which you can choose the best deposit option.

What deposit is better to open in Sberbank

The investor needs to analyze his financial capabilities and make a choice for investing money, you need to consider:

• whether he will use the savings;
• whether he will have the opportunity to contribute additional funds;
• how much he wants to make a profit (profitability can be calculated using a calculator on the bank's website).

To obtain a high income, the depositor benefits from savings options from Sberbank with a high interest rate: Save; Replenish; Gift a life; Savings certificate. With the Manage deposit, the depositor gets the opportunity to replenish and withdraw savings with certain restrictions. The terms of the Savings Account do not provide for restrictions, but offer a minimum income.

Video: interest-bearing deposits in Sberbank-online

Discuss

Sberbank deposits for individuals: interest rates

When the question arises: in which bank to invest money, many individuals and pensioners prefer Sberbank, which is quite right, because it is one of the most reliable banks in Russia. Consider the existing and most advantageous offers for the above categories of persons for 2016 in St. Petersburg, Moscow, Samara and other cities.

Individual deposits 2016 Sberbank

Sberbank offers a wide range of deposits that differ in interest rates, which in turn are influenced by factors such as:

• deposit term (for example, for 3 months, for 6 months, up to 1 year or up to 3 years);
• its size;
• currency (that is, it will be in rubles, in dollars or in euros).

Also, the proposals are divided into those that involve the capitalization of interest, its absence. There are also replenishable options and having the possibility of self-management.

It is impossible not to mention the fact that this organization works both with rubles and currency, and accepts deposits in precious metals. What can I say, the latter (that is, depersonalized metal accounts) are very popular today due to such advantages as:

• the possibility of calculating income according to the price of the precious metal on the market;
• free account opening and maintenance;
• no mandatory payment of VAT when making a transaction with precious stones;
• the speed of carrying out the necessary operations (such work takes no more than 10 minutes).

Profitable deposits of Sberbank for individuals in 2016

Sberbank of Russia over the 150 years of its existence has won the unshakable trust of the population. Today, a financial institution is a leader among competitors in many respects. One of them is a package of services for deposits. Let's figure out what exactly the bank offers to depositors, how favorable interest rates are and what is needed to make a deposit.

Current interest rates on deposits with Sberbank for 2018

You can see more detailed and most accurate information on deposits on the official website of Sberbank at the link: www.sberbank.ru/ru/person/contributions/deposits

"Term deposits" of Sberbank: names and conditions

For depositors, Sberbank has developed a simplified program that includes three basic products: Save, Manage, and Replenish, which, in turn, provide additional solutions and special offers for different categories of the population. Interest on the deposit is calculated based on the amount invested, the currency and the term chosen by the client. The "Term deposits" package is available to both large businessmen and average pensioners.

"Save"

Deposit conditions:

Interest rate at the bank office 3,65%-4,50% for ruble deposits, 0,05%-0,95% - for dollar deposits;
Interest rate when opening online - 3,9%-4,75% for ruble deposits, 0,1%-1,35% for dollar deposits.

Deposit currency:Russian ruble, dollar USA;
Minimum deposit amount: 1000 rubles, 100 dollars.
Deposit term:1 month - 3 years inclusive.

Replenishment:not provided
Partial withdrawal:not provided.

The term of the deposit for each specific case is calculated individually up to a day.

"Replenish"

Deposit conditions:

Interest rate at the bank office 3,6%-4,05% for ruble deposits, 0,05%-0,95% - for dollar deposits;
Interest rate when opening online - 3,85%-4,3% for ruble deposits, 0,25%-1,15% for dollar deposits.

Deposit currency:Russian ruble, dollar USA;
Minimum deposit amount: 1000 rubles, 100 dollars.
Deposit term:3 months - 3 years inclusive.

Replenishment:
- cash:
- non-cash:Not limited.
Partial withdrawal:not provided.

You can also open a "Top up" deposit in the name of a child who will be able to access it only upon reaching the age of majority: from the age of 14, he can replenish the account himself, and from the age of 18, he can fully manage it.

Did you know? In recent years, Sberbank has increased lending to 70%, while its competitors have this figure at the level of 21%.

"Control"

Deposit conditions:

Interest rate at the bank office 2,9%-3,75% for ruble deposits, 0,01%-0,6% - for dollar deposits;
Interest rate when opening online - 3,15%-4,0% for ruble deposits, 0,15%-0,8% for dollar deposits.

Deposit currency:Russian ruble, dollar USA;
Minimum deposit amount: 30,000 rubles, 1,000 dollars.
Deposit term:3 months - 3 years inclusive.

Replenishment:
- cash: from 1,000 rubles or 100 dollars;
- non-cash:Not limited.
Partial withdrawal:dO

"Gift a life"

Deposit conditions:

Interest rate -4,55% .

Deposit currency:Russian ruble;
Minimum deposit amount: 10,000 rubles.
Deposit term -1 year.

Replenishment:not provided
Partial withdrawal:not provided

The contribution was created to help children with oncological, hematological and other serious diseases.

Every 3 months, Sberbank transfers 0.3% per annum of the deposit amount to the Podari Zhizn charitable foundation.

"Onlike"

Deposit conditions:

Interest rate:
- 6,5% - for 1 year;
- 6,7% - for 2 years.

Deposit currency:Russian ruble
Minimum deposit amount: 10,000 rubles;
Deposit term: 1-2 years

Replenishment: not provided
Partial withdrawal:not provided

"Major Benefit"

Deposit conditions:

Interest rate:1.5% -3.0% per annum

Deposit currency:U.S. dollar
Minimum deposit amount: $10,000;
Deposit term: 6 months, 1,2,3 years

Replenishment: not provided
Partial withdrawal:not provided

"Social"

Deposit conditions:

Interest rate -3.75% per annum.

Deposit currency:Russian ruble;
Minimum deposit amount: 1 ruble.
Deposit term -3 years.

Replenishment:not limited
Partial withdrawal:dOminimum balance level without loss of accrued interest

The contribution is a special offer for children left without parental care and veterans/disabled of the Great Patriotic War. It can only be opened at a branch of Sberbank in the name of an orphan child by his legal representative upon presentation of an act of the guardianship and guardianship authority on the establishment of guardianship / guardianship / placement of the child in a specialized social institution, as well as by a veteran or disabled person of the Great Patriotic War upon presentation of a certificate of a veteran of the Great Patriotic War /certificates of the invalid of the Great Patriotic War.

"Pension-plus of Sberbank of Russia"

Deposit conditions:

Interest rate -3,5% .

Deposit currency:Russian ruble;
Minimum deposit amount: 1 ruble.
Deposit term -3 years.

Replenishment:not limited
Partial withdrawal:dOminimum balance level without loss of accrued interest

This deposit was created for crediting pensions, social benefits and other payments.

Conditions for registration of termless deposits, category "deposits for settlements"

For daily use and making regular payments, Sberbank of Russia offers its customers special offers: deposits for settlements.

"On demand of Sberbank of Russia"

Deposit conditions:

Interest rate -0.01% for all currencies

Deposit currency: Ruble / US dollar / Euro / Pound sterling / Swiss franc / Swedish krona / Singapore dollar / Norwegian krone / Danish krone / Canadian dollar / Australian dollar / Japanese yen ;
Minimum deposit amount:.
Deposit term:indefinitely.

Replenishment:not limited
Partial withdrawal:dOminimum balance level without loss of accrued interest

In force majeure circumstances, when it becomes necessary to withdraw all the money invested, you have the right to terminate the agreement with the bank ahead of schedule and withdraw your deposit. In this case, the income will be accrued taking into account the actual period of storage of money in the account and the established interest rate. If it has changed since the opening of the deposit, each of its values ​​will be taken into account. For long-term storage, you can draw up a power of attorney or make a will on your savings.

"Savings account"

Deposit conditions:

Interest rate:
- 1,0%-1,8% - ruble deposits;
- 0,01% - for deposits in foreign currencies.

Deposit currency:Russian ruble, dollar USA, Euro;
Minimum deposit amount: not limited.
Deposit term:indefinitely.

Replenishment:not limited
Partial withdrawal:not limited.

Deposit "Universal Sberbank of Russia"

Deposit conditions:

Interest rate -0.01% for all currencies

Deposit currency: Rubles / US dollars / Euros / Pounds sterling / Swiss francs / Swedish krona / Singapore dollars / Norwegian krone / Danish krone / Canadian dollars / Australian dollars / Japanese yens;
Minimum deposit amount:10 rubles / 5 US dollars / the equivalent of 5 US dollars in other currencies
Termcontribution:indefinitely.

Replenishment:not limited
Partial withdrawal:dOminimum balance level without loss of accrued interest

This deposit can not be opened in all branches of Sberbank. The list of branches where it is available can be found here.

Important! To make a deposit, you need to come to Sberbank with a passport or pension certificate, sign an agreement and put money on a deposit.

"Nominal account for crediting social payments"

Deposit conditions:

Interest rate -3,67% .

Deposit currency:Russian ruble;
Minimum deposit amount: 0 ruble.
Deposit term -perpetual.

Replenishment:alimony, pensions, allowances
Partial withdrawal:dOminimum balance level without loss of accrued interest

A nominal account for crediting social benefits is opened at Sberbank branches for parents/guardians/trustees to credit social funds specified in Article 37 of the Civil Code of the Russian Federation: amounts of alimony, pensions, benefits, compensation for harm to health and harm suffered in the event of the death of the breadwinner, as well as other funds paid to them for the maintenance of minors / incapacitated / partially capable citizens who are beneficiaries of a nominal account. To open it, it is enough for the Parent to present their identity document and the birth certificate of a child under the age of 14 or the birth certificate and passport of a child aged 14 to 18, while no permission from the guardianship and guardianship authorities is required to be provided to the Bank . In order to open a Nominal Account, the Guardian/Trustee presents his identity document, the birth certificate of a child under 14 years of age or the passport of a child aged 14 to 18 years or an incapacitated/partially incapacitated citizen, Act of the body of guardianship and guardianship on the appointment of a guardian (custodian ), confirming the powers of the owner of the Nominal account to manage the funds of the ward

This project covers the needs of parents, guardians, incapacitated or partially capable people, as well as trustees to whom the state pays funds for the maintenance of minor children. Deposits in banks are possible only in Russian rubles to a nominal account intended for social payments. How much money to put on the deposit, the depositor decides. To withdraw funds, you do not need prior permission from the guardianship and guardianship authorities.

The account can exist for an unlimited time with the possibility of partial use. Moreover, the bank does not put forward any conditions regarding the minimum balance. Replenishment of a nominal account excludes incoming transactions, except for the transfer of social payments and transfers from another similar account, the beneficiary of which is the same person.

Interest is calculated every 3 months. If you want to close the account and terminate the agreement with the bank, interest will be accrued on the actual storage of money, taking into account the rate agreed upon when opening the deposit. All changes in interest rates will also be taken into account.

General terms of deposits

All deposits differ in interest rate, term, minimum amount and various conditions for replenishment and withdrawal. But they also have the same items in the provision:

Terms of interest

1. Interest is calculated monthly;
2. Accrued interest is added to the deposit amount, thereby increasing income in the next month;
3. Accrued interest can be withdrawn or transferred to the card account.

An increase in the interest rate occurs when the amount of the deposit of the next amount gradation is reached. For example, if you opened a "Replenish" deposit in the amount of 100,000 rubles, and subsequently its amount reached 400,000 rubles, then the interest rate will increase from 3.8% to 3.94%.

Conditions for early termination

1. If you need money before the end of the deposit, you can always get it, regardless of the reason for this;
2. If the deposit was opened for a period of less than 6 months inclusive, then the deposit amount will be recalculated and returned based on the interest rate of 0.01% per annum;
3. If the deposit was opened for a period of more than 6 months:
   - when claiming a deposit within the first six months - recalculation according to the rate of 0.01%;
   - when claiming a deposit after the sixth month - based on 2/3 of the interest rate set by Sberbank at the time of opening the deposit.

In case of early repayment of the deposit, the interest is recalculated without taking into account the monthly capitalization.

Prolongation conditions

• The number of extensions is not limited;
• Automatic renewal is subject to the same terms and at the same interest rate as on the date of renewal.

Conditions for pensioners

Sberbank has developed special conditions for pensioners who open "Replenish" or "Save" deposits:

1. Opening of deposits on special conditions for pensioners is carried out for women over 55 years old and for men over 60 years old;
2. Deposits for pensioners are opened with the maximum interest rate for the selected period, regardless of the amount of the deposit;
3. If the deposit was opened before reaching retirement age, then upon reaching it, the rates automatically become maximum;
4. There is no limit on the maximum amount;
5. When deposits are demanded after 6 months of the main/extended term, in which the balance exceeds the Maximum amount, a reduction coefficient - ½ is applied to the difference between the actual balance and the Maximum amount in addition to the coefficient 2/3. These coefficients are applied to the rate in effect on the deposit on the date of opening/prolongation.

Did you know? The rights of the main shareholder and founder of Sberbank are assigned to the Central Bank of the Russian Federation, which owns 50% + 1 voting share.

We suggest that you familiarize yourself with the detailed instructions on how to open a deposit in the Sberbank Online system in the document attached below.