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In 2020, Sberbank offers Moscow depositors several financial products with various conditions, including in foreign currency and with the possibility of remote registration.

18.07.2019 0

Sberbank offers its clients interesting deposit programs for 2019. There are clearly stated conditions for each product. If you want to know which programs will help you increase your own savings, and what the most profitable interest rates on deposits are currently relevant, we advise you to read this article.

How to invest money profitably?

In conditions of inflation, the issue of saving and increasing bank deposits is especially acute. After all, the process of depreciation of money negatively affects the volume of savings. In such conditions, you need to know what to invest your money in:

• Buy securities - certificates, bills of exchange, bonds, shares;
• Buy up precious metals - banking gold, silver or platinum;
• Buying apartments - preferably new and in good areas.

If you own any amount, we recommend putting it on a deposit. Such deposits are considered as safe as possible and have practically no risks. The owners of deposits can get their invested money back at any time, and if they comply with the rules of the agreement, they will remain with a profit, since interest is charged on the invested amount. In the event of bankruptcy or other emergency situations, the client receives compensation under the State Insurance (up to 1.4 million rubles).

For most Russians, the conditions under which they open deposits with Sberbank are optimal. The main reason for the massive trust in the bank is its reliability. And also - the choice of programs that are beneficial for depositors.

Profitable programs of Sberbank:

• "Save" deposit

If you have accumulated more than 1,000 rubles or $ 100, you can increase them using the “Save” system:

• The minimum deposit period is 3 months, the maximum - 3 years;
• For the duration of the agreement, it will not be possible to replenish the account or withdraw the principal amount from there. The only option is to use only accrued interest;
• The rate under the agreement ranges from 3.8 to 5.5% per annum, which makes it possible not only to securely save funds, but to increase their amount.

The minimum interest rate corresponds to the minimum possible deposit amount. But, if you have a pensioner's certificate, then the bank will offer the maximum rate even with the smallest investment of funds. In this case, the period of validity of the deposit will be decisive.

• Deposit "Replenish"

If you want to save money under the "Top up" program, then prepare for the first installment a minimum amount of 1000 rubles or 100 dollars (euros). Such a deposit is opened for 3 - 36 months. During this period, you can:

• Replenish the originally invested amount;
• Withdraw only interest and then, six months after the date of the contract;
• Increase funds, starting from 1000 - 100000 rubles.

The interest rate ranges from 3.6 - 5.15%. The percentage of such a program depends entirely on what amount was originally deposited into the account, and for what period the contract was concluded. The highest accumulative interest is provided for deposits in the amount of 2 million rubles or more. The terms of such deposits must be at least 6 - 12 months.

"Manage" deposit

The best option for those who want to save and use the invested amount at the same time (periodically withdraw money from the account). But, the amount of funds for withdrawal during the period of the contract will be limited.

• Count on an initial payment of no less than 30 thousand rubles or 1 thousand dollars;
• The interest rate will be in the range of 3.4 - 4.85%;
• The accumulation period is 6 - 12 months.

Only the "Top up" offer provides for the opportunity to use the invested money and at the same time not to lose the accrued interest. Also additionally, you can replenish an open account for a certain amount.

There are also restrictions on the amount of replenishment. The amount of the payment should not exceed 300 thousand rubles. If the amount of funds is exceeded, then only half of the possible interest is charged on the difference, and the principal amount is kept at the full rate. This condition does not apply only to the category of pensioners.

Deposits with increased rates

The conditions are valid for depositors who use the services "Premier" or "First":

• Special package "Save". Assumes accumulation interest up to 6.85% for an invested amount of 1 million rubles. The deposit is made for a period of up to 3 years, and does not provide for the possibility of withdrawing money from the account. You cannot replenish the balance either;
• Special package "Refill". At a rate of up to 6.3%, you can put no more than 1 million rubles. You can replenish such an account, but you cannot cash the accumulated amount. The term of the deposit is up to 3 years;
• Special "Drive" package. Designed for a contribution of up to 1 million rubles and offers to save up funds at 6.2%. With this offer, additional account replenishment and cash withdrawals are provided without loss of interest.

Sberbank also offers such special programs as:

• Social contribution. Designed for orphans. The legal guardian will be able to open such a deposit in the name of the child at a rate of 4.75% per annum. The term of the agreement is up to 36 months. The minimum amount is from 1 ruble. Such a deposit can be periodically replenished or cashed out;
• "Give life" deposit. Sberbank invites all current and potential investors to help children who have been diagnosed with cancer, problems in the field of hematology or other serious health problems. Everyone can open a deposit account, transfer to it from 10 thousand rubles and periodically replenish the balance. Once a quarter, 0.3% will be transferred from the accumulated funds to the account of the charitable foundation;
• Benefits for retirees. For this category of depositors, the product "Pension Plus" is offered. The deposit is connected to an already issued pension card. The income on the deposit is 3.5% per annum and is charged on the minimum balance that is on the card. With such a program, you can:

1. Top up or cash out the card;
2. Receive interest on a quarterly basis;
3. Use the maximum interest rate, subject to making a deposit for the longest term. In this case, it does not matter what amount will be transferred to the deposit account

Programs issued in the Sberbank Online system

Such options are available only to those who have a social, salary or credit account with Sberbank. To open a deposit, be sure to register in the system and activate the "Personal Account". If you submit an application through the Sberbank Online system, the deposit will be opened at the highest interest rates: 5.75 - “Save”; 5.3 - "Top up"; 5.0% - "Drive".

Conditions for entry fees and terms of accumulation of funds do not change. Pensioners automatically receive benefits when they select the appropriate category of user in the "Personal Account". No additional information is required when completing the online application.

Deposits of Sberbank of Russia in Moscow for individuals are popular among the population. And this is not surprising, because new and regular customers are currently offered several attractive deposit programs. They will allow you to increase your capital by providing stable passive income. Some of the investment products make it possible to withdraw the accrued interest on a monthly basis. They can be opened at any time. Fixed-term investments at increased rates for 3, 6, 12 and more months are in demand.

You can find out the interest rates on deposits by visiting our official website, where the conditions of programs and other financial products intended for citizens for the current year are described in detail. In order to open an account for depositing, it is enough to contact any branch of Sberbank operating in Moscow. We offer an interesting financial program in rubles Manage, which has the highest rating. The minimum amount for its opening is 30,000, the placement period is from 3 months.

How to find and register using the site

Opening an account for placing temporarily free funds is convenient, safe and cost-effective. Thus, you will not only preserve your savings, but also increase them. If you are planning to deposit, keep in mind that your annual and monthly income depends on the amount of the contribution: the more it is, the higher the profit.

New and old customers are offered a range of finnish products. You can independently calculate your economic benefit when choosing any of them using the online calculator posted with us. It is enough to enter in the free fields the amount you plan to invest and the term. The program will itself determine the monthly and total amount of your remuneration.

The advantages of Sberbank's investment products are obvious. These include:

A large selection of offers intended for individuals;

Detailed, regularly updated information freely available on the site;

The smallest size of the most attractive ruble financial product 2.45%; the maximum is 3.8%.

The number of active deposit offers in the bank is increasing every day. Today it is 7.

Offers

For the current year, a huge number of investment programs have been developed for private investors in national and foreign currency. They allow investors to quickly and easily multiply their income. Regular profit without effort and time wasting is guaranteed to you. The minimum profitability at opening is 1, the maximum is 4.5. The interest accrued on them, you can withdraw monthly, add to the total investments or transfer to your payment card.

As for foreign exchange investment products, the bank guarantees the accrual of interest at the most favorable rate. When you withdraw funds, you will not lose anything. Working with Sberbank is convenient and profitable.

In times of economic instability, you want to keep your savings. You can do this in different ways: hide money at home, buy any valuables with it, open an account with Sberbank for an individual. The organization offers a large selection for those who are thinking about which deposit in Sberbank is better to open. By entrusting your free funds to one of the most reliable banks in our country, you will be able not only not to lose them, but to increase them due to favorable conditions.

How to choose the most profitable deposit in Sberbank

It is impossible to say exactly what kind of contribution will be the most profitable, since any of them is designed for a specific target audience. In addition, the depositor needs to carefully check the conditions: the ability to replenish the account, withdraw the required amounts, the size of the interest rate. Today Sberbank of Russia offers several products with different conditions, among which customers can find the most profitable for themselves.

Types of deposits and their interest rates in 2019

Clients of this bank in 2019 with the help of relevant proposals will be able to achieve the following goals:

• get excellent profit due to the fact that new interest rates on Sberbank deposits have been introduced;
• withdraw interest every month;
• set aside a certain amount every month for different purposes, because this gives a chance to make savings deposits with Sberbank;
• keep funds in monetary units of other countries (Sberbank deposits in foreign currency);
• withdraw your money when necessary.

To apply for a deposit with Sberbank at interest (or any other), you must visit the branch of the organization with your passport. Then you need to sign the contract drawn up according to the proposal, having carefully read it (especially those paragraphs that are written in small print). The next step will be to deposit the amount of money you have defined into an open account.

Happy year

The product assumes the use of both rubles and foreign currencies (US dollars, euros). To open such a deposit, you need to deposit from 150,000 rubles. For American and European banknotes, the minimum amount is 3000. According to the terms of the deposit, funds must be kept on it for 9 months (for rubles), 10-18 months (for foreign currency). Ruble rates are up to 10%, dollar rates - 3.10%, in euros - 2%. Do you think which deposit in Sberbank is preferable to open? Considering the percentages, it's worth taking a closer look at the Happy Year product.

Save

This type of deposit belongs to the traditional products of the bank. The product is available not only in our currency, but also in two others, according to which the rate is checked. The terms of the program do not imply partial withdrawal or replenishment. You can open the product with only 1000 rubles, $ 100, € 100. Depositing 100,000-400,000 rubles. for a period of 3 years will give you the opportunity to receive 8.44% per annum. Capitalization implies an increase in interest rates to 9.07%. If you deposit foreign currency, the interest rate will be 2.22% of the dollar and 1.17% in the euro.

Top up

Savings deposits in Sberbank are represented by the "Replenish" offer. The product opens up the opportunity not only to save the originally deposited amount, but periodically replenish it with new funds. The period for which an account is opened starts from 3 months up to 3 years. For rubles, the amount of additional contributions is from 1000 rubles. cash. If you want to make a deposit using a cashless payment, there will be no restrictions for you.

The capitalization of the account will allow you to purchase up to 8.07% per annum, and if the depositor does not want this process, his funds received at the rate will be transferred monthly to the card or account. As for foreign currency, you can supplement your deposit in the amount of $ 100 or € 100. The interest rate in dollars will be 2.01%, when using the euro - 1.07%. The rest of the conditions are the same as the "Save" offer.

Run

For people who want to be able to withdraw a certain amount of money from an account or replenish it, the "Manage" product is suitable. The minimum amount of ruble investments here is 30,000 rubles. The maximum rate will be 7.31%, provided that the interest is capitalized. If you decide to issue a dollar deposit, then you need to keep at least $ 1000, the rate is 1.80%. The offer for euros will become available for deposits from € 1000, while your account will be replenished at 0.86% per annum.

Pension Plus

An excellent deposit created especially for retirees who want to receive retirement income. You can create such an investment for a period of 3 years. As long as your money is inside the bank, you can constantly replenish your account, partially withdraw money from it. It is possible to take funds until 1 ruble remains on it. The annual interest rate on this offer, subject to capitalization, is 3.67%. A favorable deposit for pensioners, which allows not only to store, increase their funds, but also to manage them.

Multicurrency

The "Multicurrency" deposit uses several currencies to open at once - this is its main feature. You can open it using any of them: rubles, euros or US dollars. Interest rates on the offer are as follows: up to 6.88% in rubles; 1.78% in dollars; 0.91% when using euros. The period for which this deposit is calculated can be from 1 to 2 years. The offer assumes the possibility of replenishment. The minimum amount of cash top-up is 1000 rubles, $ 100, € 100. The minimum deposit amount is not large at all: 5 rubles, $ 5, € 5.

international

A deposit that provides for the storage of funds in foreign currency units: British, Swiss, Japanese. The offer does not allow for incomplete early withdrawals. This product is designed for both short and long term. The minimum amount you can deposit is the same for pounds sterling and francs, which are the currency in Switzerland, and is 10,000. You can deposit in yen with a minimum amount of 1,000,000 units of this currency.

Each currency has its own interest rate:

• pounds sterling: 0.70-4.50%;
• Swiss francs: 0.10-2.65%
• Japanese yen: 0.30-2.65%

savings account

A very convenient offer, implying the possibility of daily management - a savings account with Sberbank. Such a storage system comes into effect with an unlimited minimum amount, then you can replenish and withdraw any amount of money available on the account. Opening is possible in three currencies: rubles, US dollars, euros. Customers can use this deposit indefinitely.

Interest rate for each type of currency:

• rubles: 1.50-2.30%;
• euro: 0.10-0.40%;
• USD: 0.10-0.40%.

How to open a deposit in Sberbank online

You can also choose which deposit in Sberbank you should open online. If you have already become a user of the bank and have repeatedly turned to its Internet equivalent, then you can immediately start opening. If you have not used the services, then you will have to visit the bank. At the department of the organization, you must provide a passport and declare your desire. A special agreement will be concluded with you, after which you have the right to manage your finances and use the services of this bank via the Internet.

To open a deposit online, you need to carry out a small number of actions:

1. If you do not have a card of this financial institution, you must obtain it. The instant-release card is absolutely free, there are no service charges.
2. Using the terminal, get the username and password you need to enter. The information will be provided to you through the receipt, where it will be indicated. Do not share this data with anyone, so that no one can use your money without their knowledge. If you find this task difficult, ask for help from a dedicated person - a consultant. You can do all this easily from your mobile phone. To do this, when concluding a contract, activate the Mobile Bank service in advance, which will require small fees for annual maintenance.
3. Go to the Sberbank website using a computer, mobile device or terminal. Then follow the following links: individuals - online services - Sberbank Online. Next, you will need to enter the username and password received earlier.
4. Click on the page "Deposits and accounts", click on the link "Opening a deposit".
5. Carefully study the conditions that characterize each type of contract, choose the most suitable offer for you. Today, such deposits are available as: "Top up online", "Manage online", "Save online". After selecting the desired offer, click "Continue", opening the application form, which must be carefully and correctly filled out.
6. After checking the correctness of the data, click the "Open" button, check again. If you did everything correctly, check the box to agree to the terms. You will see your account details, which you can then check inside the "Deposits and Accounts" link.

Video: what you need to know about foreign exchange deposits

Times of crises, rising prices for monetary units of other countries force some people to use the currency of other countries to store their savings. It costs more and is constantly growing. Keeping foreign currency savings at home is not a good idea, it is much more profitable to entrust them to the bank at interest. Deposits, for the opening of which were used the monetary units of other states, have their own characteristics, conditions and pitfalls.

The Central Bank of the Russian Federation cuts rates on deposits in rubles.

The most profitable investment in Sberbank for today

1. If we evaluate the value of the interest rate, then the most profitable contribution of Sberbank (in addition to seasonal deposits) is "Save Online" for ordinary individuals or "Special Save" for premium clients. But these deposits cannot be replenished!
2. If you intend to save money, then the most preferable for you would be to make a deposit with an increased rate "Top Up Online" or "Special Top Up". But money cannot be withdrawn without loss of interest!
3. If you plan to withdraw part of the money from the deposit at any time, then the "Manage OnL @ yn" or "Special Manage" deposit will be the most profitable for you.

Below you can find out the new rates on deposits for today (as of 03/19/2020)

Pension Plus deposit

• Interest payment - quarterly to the current account or to the bank card account
• Capitalization - quarterly at the client's choice
• Special conditions - the deposit is opened upon presentation of a pension certificate
• Replenishment is possible
• Partial withdrawal is possible
• The minimum irreducible balance is equal to the minimum deposit amount
• Early termination on favorable terms - income for the actual storage period of funds in the deposit is calculated based on the interest rate set by the bank on the date of opening the deposit
• Auto-prolongation is possible

Contribution Give life

• Interest payment - quarterly to the bank card account
• Capitalization - quarterly at the client's choice
• Special conditions - 0.3% per annum of the deposit amount for each elapsed three-month period is transferred to the Gift of Life Foundation
• Replenishment - no
• Partial withdrawal - not possible
• Early termination on preferential terms - 2/3 of the rate after 6 months of deposit storage
• Auto-prolongation is possible

Deposit Replenish

Betting table

In rubles

In dollars

• Capitalization monthly at the client's choice

• minimum amount: 1,000 rubles, 100 dollars;

• Partial withdrawal is not possible

• Early termination on favorable terms:

• if the deposit amount does not exceed the maximum amount (the deposit amount at the end of the day of the date of opening or prolongation of the deposit, increased by 10 times for deposits; the amount of which at the end of the day of the date of opening or prolongation is less than 100,000 rubles / 5,000 dollars, the maximum amount is 1 million rubles / $ 50,000);

• An increase in the rate is possible with an increase in the amount or upon presentation of a pension certificate
• Auto-prolongation is possible

Deposit Replenish in the name of the child

Rate table in rubles

USD rate table

• Payment of interest on a monthly basis to a bank card account
• Capitalization monthly at the client's choice
• Children's special contribution

Special conditions:

• it is necessary to present a passport or other identity document and a child's birth certificate;
• a parent / legal representative of the child can open a deposit;
• from the age of 14, the child receives partial access: he can independently replenish the deposit and withdraw the accrued interest;
• at the age of 18, the child can fully dispose of the funds on the deposit;
• full withdrawal of money before the child reaches the age of majority is possible only with the permission of the guardianship authorities

Replenishment is possible, but there are restrictions:

• minimum amount

• 1,000 rubles, 100 dollars;
• for non-cash replenishment, the minimum amount is not limited

Partial withdrawal is not possible Early termination on preferential terms:

• if the amount of the deposit does not exceed the maximum amount (the amount of the deposit at the end of the day of the date of opening or prolongation of the deposit, increased by 10 times; for deposits, the amount of which at the end of the day of the date of opening or prolongation is less than 100,000 rubles / 5,000 dollars, the maximum amount is 1 million rubles / 50,000 dollars);
• if the amount is higher than the maximum deposit amount, then interest on the principal amount is calculated based on 2/3, for the difference between the deposit amount and the maximum amount - 1/3 of the interest rate on the deposit in effect on the date of its opening or prolongation

• An increase in the rate is possible with an increase in the amount
• Auto-prolongation is possible

Contribution Save

Social contribution

Contribution Manage

Calculate deposit income online