How to open a savings account in Sberbank for individuals. What is a savings account in Sberbank? What does the rate of 1.5 mean in Sberbank

Money has to work. This axiom is valid at any time. We all remember how in Soviet times the vast majority of the population kept their savings on savings deposits in the bank. Economic reforms The 90s somewhat diminished the confidence of the population in this type of accumulation and increase of their "hard-earned money", however, the current economic situation in the country and the legal acts regulating the activities of banks and the safety of funds invested in them make it possible to confidently entrust their money to commercial organizations .

What is a Savings Bank account?

A special attitude of many clients of this bank has developed due to the fact that it is through the accounts of Sberbank that the majority of payments are made - state subsidies, benefits, wage, pensions, etc. Clients trust Sberbank, because more than 50% of its shares for 2017 belong to the state.

A savings account is a type of deposit, operations on which are not limited by the amount of funds withdrawn and replenished and the time of using the account. Sberbank does not impose any restrictions on financial transactions on a savings account.

Even after withdrawing all the money from the account, the deposit is not closed, the owner can continue to use it at any time by replenishing the account with any amount. Therefore, before you turn off the Sberbank savings account, think about whether you might still need it.

Benefits of a savings deposit:

• no restrictions on financial transactions on the account;
• capitalization of the account balance - Sberbank monthly accrues interest on the account balance. The accrued amount depends on the availability of funds in the account at the end of the month;
• cashback - when making purchases or paying for services from Sberbank partners, a certain percentage of the purchase amount is returned to the client;
• convenient use of the account for making non-cash payments and bank transfers;
• Possibility of cash management through the clock.

The disadvantages of a savings account include low interest rates. The savings deposit belongs to the category of perpetual, i.e. funds from the account can be withdrawn at any time at the request of the depositor, which is not beneficial for the bank.

Due to the decrease in interest rates on credit products, interest on deposits for the population also changes.

Tariffs for savings account from 16.04.2018 in rubles (Classic version)
	Remaining funds on the deposit	annual rate
	0 to 30,000 rubles	1%
	30,000 to 100,000 rubles	1,1%
	100,000 to 300,000 rubles	1,2%
	300,000 to 700,000 rubles	1,3%
	700,000 to 2,000,000 rubles	1,5%
	from 2,000,000 rubles	1,8%

Rate conditions for Sberbank Premier customers as of April 16, 2018
	Remaining funds on the deposit	annual rate
	0 to 30,000 rubles	1%
	30,000 to 100,000 rubles	1,65%
	100,000 to 300,000 rubles	1,80%
	300,000 to 700,000 rubles	1,90%
	700,000 to 2,000,000 rubles	1,95%
	from 2,000,000 rubles	2,00%

The incoming balance at the beginning is taken into account in the calculation of the minimum balance
operating day. For the correct calculation of interest, funds must be kept on deposit for a month.

How to quickly open a savings account in Sberbank

Opening a savings account with Sberbank is available only to individuals.

There are two ways to become a savings account holder:

• at the branch of Sberbank
• on the official website of Sberbank

To open an account at a branch of Sberbank, you must have a passport of a citizen of the Russian Federation or another document proving your identity. The bank's specialists offer the client a standardized agreement for signing, which specifies the conditions for opening an account, the interest rate, the rights and obligations of the parties to the agreement.

After signing the contract, the client deposits the required amount into the account Money and in the future can use the account for financial transactions without restrictions.

Opening a savings account is also available on the official website of the bank. To open an account, you need to go to the "Private clients" tab, then select the "Invest and earn" menu, where you will find the "Savings account" item. You can manage your savings account through Sberbank Online.

The procedure for opening an account is intuitive, the client only needs to follow the prompts of the site.

A savings account with Sberbank can be opened in Russian rubles, US dollars or euros.

The interest rate depends on the amount of the installment:

• for amounts from 30 thousand rubles to 2 million rubles - the rate varies from 1.1 to 1.5%;
• for amounts from 0 to 100 thousand US dollars - 0.01%;
• for amounts from 0 to 100 thousand euros - 0.01%

Thus, the amount determined by the tariff is credited to the ruble account on a monthly basis, provided that the money has been on the account for a full month.

The validity period of the account is indefinite.

There are no restrictions on the account on the minimum amount of the balance on the deposit and the minimum amount of replenishment.

When opening a savings account through the official website of Sberbank, the client is offered a special form with which he can calculate the return on investment based on the amount of replenishment, the regularity of replenishment, the regularity of partial withdrawals from the account.

As can be seen from interest rates, a savings account is more often used as a depository or convenient way make financial transactions without commission. You can also transfer funds to a savings account from the piggy bank of Sberbank.

It is unlikely that the holder of a savings account will be able to benefit in the form of interest.

In order not only to save your money, but also to receive passive income from their storage, Sberbank has developed alternative proposals. Sberbank is ready to offer its customers more than 10 tariffs that allow them to increase their savings by transferring them to a credit institution for a certain period.

The banking product "Manage Online" from Sberbank allows not only to receive profit in the form of interest on the deposit, but also to make financial transactions on the account until the deposit expires. The depositor can make a partial withdrawal of funds from the account, or deposit additional amounts to the balance.

The minimum amount required to open a Manage Online deposit is 30,000 rubles, the interest rate is from 2.75 to 3.80%.

A complete list of banking products, conditions for opening deposits, interest rates and other information can be found on the official website of Sberbank.

Savings certificate - how is it different from a savings account?

A savings certificate is a security, the main task of which is not only to securely store, but also to increase money. The yield of the certificate is several times higher than that of a regular savings account.

The interest rate on the certificate varies from 0.01 to 6.10% per annum in rubles (as of April 17, 2018). You can open a deposit for a period of 91 days to 1095 days. The minimum amount to open a certificate is 10,000 rubles.

The difference between a savings certificate and an account is that financial transactions cannot be carried out on it, i.e. withdraw or replenish the account.

A savings certificate is the "golden mean" that takes into account the risks of the bank and satisfies the financial expectations of the depositor.

How to withdraw money from a savings account

You can withdraw money from your account at any time, for this you can contact a bank branch, transfer funds to a card or use the Sberbank online service.

A savings account with Sberbank is the best way to store and increase funds, allowing a client to make financial transactions without visiting a bank office online. The absence of time restrictions on the withdrawal of funds from the account makes a savings deposit a convenient tool for prompt and free management of one's finances.

Frequently Asked Questions

• Is the savings account insured? Yes, any open account (deposit) in a credit institution insured and protected, it will be compensated in case of any problems.
• What happens if there are 0 rubles left in the savings account? Since the account is perpetual, even with a zero balance, it does not close. You can always redistribute your money there.
• Is it possible to withdraw cash from the account? To withdraw funds from the deposit, you must first transfer the required amount to a regular card account. It is also impossible to pay directly in stores from deposits and other deposit accounts.
• How can I view a standard savings account agreement? Here is a typical contract form.
• Where can I find a savings account in Sberbank Online? In the section "Deposits and accounts" -> "Opening a deposit".

1. - how to open.

For clients with a regular need for non-cash debit/receipt transactions, a convenient savings tool — a savings account with Sberbank — is ideal. What it is? This is a termless deposit with the most free conditions for replenishment and withdrawal. For it, the Piggy Bank service, which is popular today, can be connected. Learn more about this bank offer for individuals and study its conditions for 2017.

What is a Savings Account

The Savings Account service is provided by Sberbank to individuals who wish to freely manage their own funds and at the same time receive additional profit. Although the interest rates for this type of deposit are small, they will provide a regular income to the owner. Note that an important advantage for modern people is that you can open a deposit and disable the service online. Let's find out how.

How to open a deposit online

The banking service agreement gives individuals maximum independence in using the financial services of Sberbank. In most cases, this is done through the use of the Internet bank and the client's personal account.

The online procedure for opening a Savings Account is as follows. you open Personal Area Sberbank Online and select "Deposits and accounts". Active contributions for 2017 will appear here if you already have them. In addition to them, "Opening a deposit" and "Closing a deposit" will be offered.

We are at the starting point - it is important for us how to launch the Sberbank service for accumulating money, so we activate "Opening a deposit"

We follow the link and find ourselves on a page that contains information about deposits and accounts available for opening online. Please note that some deposits and accounts have higher interest rates if they are processed online.

The minimum interest rate applicable to a savings account is 1.5% for ruble deposits. You can open a savings account with Sberbank in rubles, dollars, and euros. For foreign currency, the percentage is set even lower - it is 0.01%.

Opening a deposit is accompanied by the obligatory execution of an appropriate agreement. Online you will be provided with a document, acceptance of the provisions of which means its actual signing. Carefully study the information on the deposit being opened, read. Examine at the opening of the deposit.

Thus, you can draw up an agreement to open a Savings Account with Sberbank online remotely or, having studied the standard form of the agreement, go to a bank branch to complete the transaction. The service is also available at ATMs/terminals.

What is attractive service

It is important for the client to understand what benefit this or that investment of money will bring him. What is attractive about the service of opening a savings account online, and what are the advantages of the deposit itself? The benefits of this investment include:

• the absence of a minimum and maximum mandatory contribution amount;
• there are no restrictions on partial replenishment and withdrawal up to 0 (regularity of contributions, their amounts, cash withdrawals - without any restrictions);
• flexible system of accrual of interest: interest is accrued monthly on the minimum balance in the amount stipulated in the agreement.

The bank also charges interest on the difference between the minimum and actual balance, albeit in a minimum amount of 0.01% per annum.

How to disable accumulation

And how to disable the Sberbank Savings Account if the client decides to completely abandon it? First of all, the choice can be made in favor of online deactivation of savings. This is convenient, since the connection and disconnection procedure does not take much time and does not require a visit to the bank. So, we enter Sberbank Online on the page where deposits and accounts are reflected. We will be prompted along with the opening "Closing the deposit".

Consider where the funds accumulated in the account will be withdrawn. If you cannot resolve this issue on your own, contact your bank for advice. This service is free.

Remember that when closing a Savings Account, it is important not only to know how to turn off this accumulation, but also to take care of how to withdraw or where to withdraw money. Technical questions related to savings management are clear. We proceed directly to the conditions of the deposit, relevant for individuals in 2017.

Select the “Close deposit” service in the options of the Savings account, indicate where to withdraw money and confirm the request via SMS

Conditions for the deposit of Sberbank of Russia

An important condition for any deposit is interest rates, which will allow you to accumulate the desired amount. Let's find out what Sberbank offers on the Savings Account to its customers in 2017.

Interest rates from 1.5%

Depending on the currency in which to open a Sberbank Savings Account, interest will accrue:

• 1.5% is charged if the amount from 0 to 30 thousand is located on the account;
• 1.6% if the balance is within 30 thousand - 100 thousand;
• 1.7% - in the amount of 100 to 300 thousand;
• 1.8% - for amounts from 300 to 700 thousand;
• 2% is charged if placed from 700 thousand to 2 million;
• a rate of 2.3% is provided for all amounts over 2 million rubles.

Connecting Piggy bank to the account

Additional deposit options are the provision of a piggy bank service. In Sberbank, the Piggy bank service to a Savings account is connected at the request of the client. This makes it possible to receive additional profit, and also allows you to save the required amount under the Piggy bank program.

Note: Loyal conditions for managing own money using the Piggy Bank service allow the client to carry out debit transactions without restrictions.

How to replenish the deposit - we learned, but how to withdraw money if necessary? There are several ways to do this. We will talk about them further.

Management of Savings Account Funds

A savings account is convenient in that savings can be available to individuals for withdrawal or replenishment at any time. There are no restrictions and strict requirements. You can control the deposit, like any other bank account, using the personal account of Sberbank Online.

How to check the amount of savings

At Sberbank, you can check your Savings Account online in your personal Internet banking account in the deposits and accounts section. To do this, simply go to the "Accounts and deposits" page.

Available funds will always be displayed next to the name of the deposit. In addition, here you can perform other operations, for example, transfer part of the funds to another individual to a card or account. Transfer between your personal accounts or activate the Piggy Bank service online.

IN mobile application The savings account will also be reflected in active deposits. For smartphone users, this makes it easier to perform a number of financial transactions online, since the phone is always at hand.

How to withdraw money

So, you have learned what advantages this type of deposit has, how interest is calculated and the interest rate set in Sberbank of Russia on a Savings Account. Consider the conditions and mechanism for withdrawing money from this deposit offered by the bank.

The possibility of partial withdrawal of funds up to zero balance implies an open Savings Account with Sberbank. How to withdraw money if necessary? The following options are available for this:

• directly at the bank branch;
• withdrawal via Internet banking to a debit card (transfer operation from account to card);
• at ATMs/terminals (management of own accounts and cards and transfers between them).

Any of these methods will allow you to withdraw the desired amount. Now you know how to withdraw money from a Sberbank Savings Account. The funds are at the free disposal of the depositor, any of the methods is used for partial withdrawal of funds if necessary.

Conclusion

Detailed information about what a Savings Account with Sberbank is will help potential and current customers make their choice. If you need free disposal of money and for the bank service for accumulating funds Piggy Bank, this deposit is the best option. It is important that interest is not lost upon withdrawal. They are accrued on the actual and minimum balances according to the terms of the contract.

Those who want to become bank customers often encounter a lot of new terms and definitions, for example, what is a savings account, what conditions must be met to open it, what documents are needed? It is worth studying the information in detail so that later you do not have to open another account for the needs of the client.

What it is?

First you need to know the definition of this account, and only then open it. Depending on the purpose of registration, the bank is ready to offer various banking products: for receiving increased interest or for settlements. So, this is an opportunity not only to save your own money, but also to receive a small dividend from financial organization. It is suitable for those who want to be able to freely dispose of their funds, since the terms of its service allow you to make income and expenditure transactions at any convenient time.

In most cases, it is used as a transit account, where you can transfer a large amount of money (for example, a loan). It replaced the well-known "universal" account, which had certain restrictions and an interest rate of 0.01 per annum.

Conditions for registration by citizens

Any individual over the age of 14 can open it (a passport is required to conduct a banking operation). If you need to open an account in the name of a minor child who has not yet reached this age, then this can be done by his parent or guardian. Another important condition is the presence of permanent or temporary registration on the territory of Russia.

If an account is opened foreign citizen, then he must have a passport of a foreign state, as well as a temporary residence permit or residence permit. Age restrictions are equivalent to those that are put forward to Russian citizens. Being a client of Sberbank, namely the holder of a plastic card (which provides access to the Sberbank Online personal account), you can open an account remotely. In other cases, you will need to contact the nearest branch of the bank.

Interest rates, currency, terms

According to the terms, the savings account is unlimited, the current interest rates are quite symbolic. This is due to the fact that it is not a deposit and is not intended to receive maximum income in the form of accrued interest. To do this, the bank offers to open a certain deposit, which will allow you to receive much more additional income in the form of accrued interest. In this case, interest on a savings account should be considered as one of the pluses, which allows you to make payments, make transfers and at the same time receive a small additional income from the bank.

Sberbank offers to open an account in several currencies: rubles, euros, pounds sterling, as well as Canadian, American, Singaporean and Hong Kong dollars, Chinese yuan. The highest interest rate is provided for the ruble account (from 1% to 1.8%, depending on the balance on the date of interest calculation), in foreign currency the rates look less attractive (0.01% regardless of the amount).

Terms of interest

Interest is calculated monthly. The interest rate is annual, i.e. if 1% is provided, then the amount of interest will still have to be divided by 12. According to the tariff, capitalization is provided for on the account, which means that if there is a balance, the bank will charge interest, while maintaining a positive balance , next month, interest will be accrued on the entire amount (including interest that the bank has already accrued in the previous month).

It is noteworthy that according to the tariffs of the savings account, the minimum balance can be zero. This is convenient if you need to withdraw or transfer the entire amount. Previously, the bank opened only a "universal" account, which provided for the need to leave 10 rubles in the balance. This was inconvenient in cases where it was written off to repay the loan. Some clients turned out to be indebted and the amount was often rendered “delayed”.

Reason for closing an account

Benefits of opening an account

The undoubted advantage of a savings account is its versatility and accessibility. There is no need to leave a certain amount so that the account does not close, you can receive a small but significant percentage from the bank. If you have a bank card, all operations (including closing an account) are available through remote service channels. According to the savings account, there is no need to carry an agreement or any other documents confirming that the client is its owner. This condition is applicable in cases where the client applies to the bank office of the region in which it was opened or if the Green Street conditions apply.

Large selection of currencies in which opening and subsequent banking operations are available. This will be appreciated by those who often face the need to travel abroad or make purchases in online stores, transfer funds to relatives living in other countries.

Cons of a savings account

If we touch on the disadvantages of a savings account, this is a small percentage of the balance. It would seem that it belongs to the pros, but every client wants to receive increased income, even on a simple account. There is another point that confuses many "experienced" customers of Sberbank - the lack of an issued passbook. Most believe that if there is no documentary evidence that the bank has an account, then it is easy to lose it or others can use it. But, these experiences are in vain. To contact the branch in order to obtain information on the account, conduct debit transactions, you need a passport. Consequently, another person cannot use the account, even if he knows his number. All that is available to third parties who do not have a power of attorney in their hands is the deposit of funds.

Today, you can open any account with Sberbank, depending on the purpose of its registration. Some want to get the maximum possible income from their temporarily free funds, others want to have an account for all kinds of calculations. Sberbank seeks to satisfy the interests of all categories of customers, so the list in the range of deposits offered is constantly growing, and the conditions are becoming more and more attractive.

Today's topic is devoted to the consideration of a savings account in Sberbank - what is it and what is its peculiarity. You will learn about all this after reading all the information in this article.

Opening an account with Sberbank or general requirements for an individual

To begin with, I would like to note the basic requirements for a person who wants to open an account with Sberbank. For citizens Russian Federation:

• Availability of an identity document (passport of the Russian Federation, foreign passport, etc.).
• The presence of permanent or temporary registration on the territory of the Russian Federation.
• Age at least 14 years old. If the age of the depositor has not yet reached 14 years, then the deposit is opened on behalf of the depositor (parent, guardian).

For foreign citizens:

• Identity document (national foreign passport).
• Confirmation of the right to reside in Russia (Residence permit, temporary residence permit).
• Age restrictions are the same as for a citizen of the Russian Federation.

You can draw up a contract for servicing a bank account in 2 ways:

1. In the branch of Sberbank.
2. Remotely, that is, through remote service channels (ATM, Sberbank Online).

Please note that the latter option is only possible for bank card holders.

What is a savings account?

If you briefly answer the question about the concept, then a savings deposit is an unlimited account with a minimum interest rate, intended for free disposal. The perpetuity of the deposit allows the depositor to keep his funds and use them until the account is closed. The Bank does not limit the terms of the agreement.

The minimum interest rate can be considered both positively and negatively. If the depositor opens an account for the purpose of permanent use of the deposit - replenishment and withdrawal of funds, then the monthly accrual of interest on the balance of the deposit during capitalization will be very useful. But in the case when the client wants to receive income from his financial resources, opening a savings account will be useless and will not be able to satisfy his request.

Another feature of this account is that the initial deposit amount is unlimited. When concluding an agreement, depositing funds into the account is optional, but the maximum amount has no limits.

Basic conditions

Opening a savings deposit is possible both in the currency of the Russian Federation - rubles, and foreign countries- dollar and euro.
Judging by the presented table, it can be noted that the interest rate of a deposit in rubles varies from 1.5-2.3% per annum, depending on the amount of the balance of the deposit. The minimum balance is from 0 rubles, and the maximum deposit amount is unlimited.

• In US dollars - from 0.1 to 0.4%.
• And in euro - 01-0.4% per annum.

Also, as already mentioned, the deposit can be replenished and spent without limits on the amount.

Another feature of the deposit that distinguishes the savings deposit from other bank deposits is that the accrued interest on the deposit cannot be transferred to bank card or another account.

How can I open a savings account?

Now let's take a closer look at how you can open a savings account.

The first method, the most common among most customers, is a visit to the nearest bank office. Many clients, before opening a deposit, prefer to get professional advice from a bank specialist and already on the spot decide on the type of deposit for investing funds. In this case, you must have your passport with you.

The second way is using the remote channel "Sberbank Online". Many clients of the bank have already appreciated the convenience and simplicity of opening a deposit through the Internet bank. The main advantage is that visiting a bank branch is not necessary at all, you only need a bank card.

How to do this - see the step-by-step instructions.

Instructions: 7 steps on the way to opening a deposit

Step 2. Confirm login to the Internet bank with a one-time password.

Step 3. Go to the "Deposits and accounts" tab.

Step 4. Click "Opening a deposit".

Step 5. Select the conditions for placing a deposit and click the "Continue" button at the bottom of the page.

Step 6. Select the currency in which you would like to make a deposit and click "Open".

Be sure to read the terms of the contract (open full version agreement in a new window) and if you agree, click the checkmark in the box "I agree ...".

You also need to confirm the operation using a one-time password received in the form of an SMS message from the bank (from number 900).

Congratulations, you have successfully opened an account!

Here you can print the contract in paper form, so that you have a confirmation of the presence of a deposit in the bank. You can replenish your account in a non-cash way - from a card or from another account opened in your name. Withdrawal of funds is available by transfer to a card or at a bank office.

Deposits of Sberbank of Russia for individuals today remain attractive, although they do not have the most favorable interest rates in 2020. Compare the updated conditions for opening deposits in rubles and foreign currencies, online and in a branch.

Updated deposit rates of Sberbank of Russia for today

Sberbank in 2020 updated interest rates on deposits of individuals. Today, deposits are not as profitable as in many other banks. But individuals, when choosing a bank for investing funds, often prefer Sberbank, as the most reliable. In addition, Sberbank deposits for individuals are insured by the state. This means that if the bank loses its license, which is unlikely, you will be refunded an amount of no more than 1.4 million rubles, including interest. Read more about deposit insurance

The line of deposits of individuals in Sberbank is simple and understandable:

1. – “Keep” and “Special Keep”,
2. – “Replenish” and “Special Replenish”,
3. with replenishment and partial withdrawal of money without loss of interest - "Manage" and "Special Manage".

Sberbank deposits for individuals today can be opened in Russian rubles and foreign currency (US dollars). It is possible to make deposits in the branch and online via the Internet.

For clients of retirement age - on deposits "Save" and "Replenish" the maximum interest rate is set for the selected period, regardless of the amount of the deposit. See the terms and interest rates of Sberbank deposits

Deposits in Sberbank today: interest and conditions

Let's compare interest rates and conditions for opening deposits of individuals in Sberbank today - in 2020.

Sberbank deposit "Save": interest and conditions

Deposit of individuals for reliable savings and obtaining a guaranteed stable income. Without the possibility of replenishment and partial withdrawal without loss of profitability. Opens in branch, online and ATM.

Conditions

• Term: from 1 month to 3 years inclusive;
• Minimum amount: 1,000 rubles / 100 US dollars.
• Replenishment: no ;

Terms of interest

Interest rates

Without capitalization

Taking into account capitalization

In Russian rubles

In US dollars

Sberbank temporarily does not open new deposits in euro, and offers to use the Savings account in euro at a rate of 0.01% per annum.

Deposit of Sberbank "Replenish": interest and conditions

A replenishable deposit for those who prefer to save and regularly save money in a reliable bank. Opens in branch, online and ATM.

Conditions

• Term: from 3 months to 3 years;
• Minimum amount: 1,000 rubles / 100 dollars.
• Partial withdrawal without loss of interest: no.
• Interest rate increase: automatically upon reaching the next sum gradation.

Terms of interest

• Interest is calculated monthly.
• The accrued interest is added to the deposit amount, increasing income in the following periods (capitalization).
• Accrued interest can be withdrawn, as well as transferred to the card account.

Interest rates

Without capitalization

Taking into account capitalization

In Russian rubles

in US dollars

Sberbank deposit "Manage": interest and conditions

A deposit for the safe storage of your savings with the possibility to withdraw part of the funds before the expiration of the deposit without loss of interest. Refillable. Opens in branch, online and ATM.

Conditions

• Term: from 3 months to 3 years;
• Minimum amount: 30,000 rubles / 1,000 dollars.
• Replenishment: yes. Cash - from 1,000 rubles / 100 dollars. Cashless - not limited;
• Partial withdrawal without loss of interest: yes. Up to the level of the minimum amount of the minimum balance without loss of accrued interest.
• An increase in the interest rate: when the deposit amount increases to the next amount gradation and when an additional agreement is concluded to increase the amount of the minimum balance.

Terms of interest

• Interest is calculated monthly on the entire amount of the deposit (the interest rate depends on the amount of the minimum balance).
• Accrued interest can be withdrawn, as well as transferred to the card account.
• Accrued interest is added to the deposit amount, increasing income in the following periods.

Interest rates

in Russian rubles

in US dollars

Deposit of Sberbank "Give Life": conditions and rates

Deposit 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. Opened at the branch.

Conditions

• Term: 1 year;
• Minimum amount: 10,000 rubles.
• Replenishment: no ;
• Partial withdrawal without loss of interest: no.

Terms of interest

• Interest is accrued every 3 months;
• In case of early termination of the deposit, interest is recalculated without taking into account capitalization of interest.

Interest rates

4.58% per annum with capitalization (4.5% per annum without capitalization)

Deposit “Pension-plus of Sberbank of Russia”

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

Conditions

• Term: 3 years;
• Minimum amount: 1 ruble;
• Replenishment: unlimited;
• Interest accrual: every 3 months. Accrued interest is added to the deposit amount, increasing income in the following periods;
• Early termination: upon demand of the deposit, the rate set on the date of opening (prolongation) of the deposit does not change.

Interest rate

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

Sberbank "Social" deposit: conditions and rates

This is a special deposit for social payments to orphans and war veterans.

Conditions

• Term: 3 years;
• Minimum amount: 1 ruble;
• Replenishment: unlimited;
• Partial withdrawal without loss of interest: up to the level of the minimum balance amount;

Terms of interest

• Interest is calculated quarterly.
• Accrued interest is added to the deposit amount.
• Interest accrued can be withdrawn.

Interest rate