Deposit "Top up"
The minimum amount is 1 thousand rubles. Terms vary from 3 to 36 months. The maximum interest rate is 4.5% per annum. Interest payment every month. You can also choose capitalization. If the amount increases, the rate will increase. You can top up with 1000 rubles or more. Partial withdrawal is not possible. Important: If you open this deposit through the Sberbank Online service, then the interest rate will be increased (up to 5% per annum, depending on the term).
| Sum | Term / Interest rate | ||||
| from 3 to 6 months | from 6 to 12 months | from 12 to 24 months | from 24 to 36 months | 36 months | |
| from 1 tr. | 3.85% | 4% | 3.8% | 3.75% | 3.7% |
| from 100 tr. | 4% | 4.15% | 3.95% | 3.9% | 3.85% |
| from 400 tr. | 4.15% | 4.3% | 4.1% | 4.05% | 4% |
| from 700 tr. | 4.35% | 4.5% | 4.3% | 4.25% | 4.2% |
| from 2 million rubles | 4.35% | 4.5% | 4.3% | 4.25% | 4.2% |
Contribution "Save"
All types of deposits in Sberbank of Russia, as well as the Save deposit, are aimed at minimizing losses from inflation.
The amount to open is 1 thousand rubles or more. The interest rate reaches 5% per annum. Capitalization or interest payments will be made every month. There is no possibility of replenishment and partial withdrawal. Important: If you open through the Sberbank Online service, the rate will be increased (max. 5.5% per annum).
| Sum | Term / Interest rate | ||||||
| from 1 to 2 months. | 2 to 3 months | from 3 to 6 months | from 6 to 12 months | from 12 to 24 months | from 24 to 36 months | 36 months | |
| from 1 tr. | 4.8% | 4.15% | 4.35% | 4.5% | 4.4% | 4.35% | 4.3% |
| from 100 tr. | 3.95% | 4.3% | 4.5% | 4.65% | 4.55% | 4.5% | 4.45% |
| from 400 tr. | 4.1% | 4.45% | 4.65% | 4.8% | 4.7% | 4.65% | 4.6% |
| from 700 tr. | 4.3% | 4.65% | 4.85% | 5% | 4.9% | 4.85% | 4.8% |
| from 2 million rubles | 4.3% | 4.65% | 4.85% | 5% | 4.9% | 4.85% | 4.8% |
Deposit "Manage"
The minimum amount for opening is 30 thousand rubles. Possible monthly withdrawal to a bank card or interest capitalization. The terms of the deposit provide for: auto-prolongation, replenishment and partial withdrawal. Max. rate - 4.2% per annum. Important: If this deposit is opened through the Sberbank Online service, then the interest rate will be increased (up to 4.7% per annum, depending on the term).
| Sum | Term / Interest rate | ||||
| from 3 to 6 months | from 6 to 12 months | from 12 to 24 months | from 24 to 36 months | 36 months | |
| from 30 tr. | 3.55% | 3.7% | 3.25% | 3.15% | 3% |
| from 100 tr. | 3.7% | 3.85% | 3.4% | 3.3% | 3.15% |
| from 400 tr. | 3.85% | 4% | 3.55% | 3.45% | 3.3% |
| from 700 tr. | 4.05% | 4.2% | 3.75% | 3.65% | 3.5% |
| from 2 million rubles | 4.05% | 4.2% | 3.75% | 3.65% | 3.5% |
Deposit "Pension Plus"
This type of deposit is intended for pensioners. The minimum deposit is 1 ruble. The term of the deposit is 3 years. Interest will be capitalized or paid quarterly (to a bank card or current account). The interest rate on the deposit is 3.5% per annum. The terms of the deposit provide for: auto-prolongation, replenishment and partial withdrawal.
| Sum | Term | Interest rate |
| from 1 p. | 36 months | 3.5% |
Sberbank changed the rates on deposits of individuals upwards. The leadership of this largest bank in Russia explained that in this way the bank follows the general trend of rising interest rates that has emerged in the country. So how much high rates on deposits in Sberbank today in Moscow, St. Petersburg and other cities of Russia, is it really profitable to place money at interest in this bank now? Let's figure it out together.
In the line of deposits of Sberbank today there are several deposits for different types of money management. There is a deposit for those who are ready to deposit funds for several years and not touch them in the hope of getting the maximum percentage. And there are deposits for those who need to take part of the money from time to time or replenish the deposit. The rates for deposits with and without replenishment, respectively, are different.
In Sberbank today you can only open deposits in rubles and US dollars. The Bank temporarily does not open new deposits in euro, offering to use the Savings account in euro at the rate of 0.01% per annum.
Interest on deposits in Sberbank today - in 2019
Deposit "Save"- not replenished and without partial withdrawal. Deposit term: from 1 month to 3 years inclusive.
The rates on this deposit today are (% per annum):
- - from 4.05 to 5.60% in Russian rubles;
- - from 0.01 to 1.55% in US dollars;
- - In Euro.
Deposit "Top up"- replenishable, but without partial withdrawal. Deposit term: from 3 months to 3 years inclusive.
The rates on this deposit today are (% per annum):
- - from 4.60 to 5.15% in Russian rubles;
- - from 0.01 to 1.15% in US dollars;
- - In Euro.
Deposit "Manage"- replenished and with partial withdrawal. Deposit term: from 3 months to 3 years inclusive.
Rates today are (% per annum):
- - from 4.00 to 4.85% in Russian rubles;
- - from 0.01 to 1.05% in US dollars;
- - In Euro.
Sberbank's line of basic deposits today includes other deposits, for example, the Podari Zhizn charitable deposit with an interest rate of 5.65% in rubles, as well as a savings account and online deposits.
See the full list of deposits of individuals of Sberbank with interest rates and conditions on this page >>
The most profitable deposit of Sberbank today
However, the most profitable today will be to open a deposit in Sberbank via the Internet. Then you can get a higher percentage.
Deposit "Manage Online"(with replenishment and partial withdrawal) for a period of 3 months to 3 years inclusive can now be issued under:
- - from 4.15 to 5.00% in Russian rubles;
- - from 0.25 to 1.35% in US dollars.
Deposit "Top Up Online"(replenished, but without partial withdrawal) for a period of 3 months to 3 years inclusive, at the moment you can open under:
- - from 4.75 to 5.30% in Russian rubles;
- - from 0.35 to 1.45% in US dollars.
Contribution "Save Online"(not replenished without partial withdrawal) for a period of 1 month to 3 years inclusive, you can open today with the following rates:
- - from 4.20 to 5.75% in Russian rubles;
- - from 0.15 to 1.85% in US dollars.
It will be the most profitable in Sberbank in 2019, excluding promotional promotional deposits and those that are available only to customers with
How do you see Sberbank's deposits for 2019 today? Will rates go up, down, stay the same? This question is relevant for many citizens. It is known that more than 44% of all investors in the country entrusted their funds to the leader.
There is an opinion that a conservative deposit market awaits us this year: lending rates are declining, and therefore deposit rates, if they grow, will be quite insignificant. Is it possible to speak so unambiguously about Sberbank? Hardly.
The fact is that today they have been issued loans for over three trillion rubles. At the same time, the volume of the deposit portfolio exceeded 7 trillion. That is, the bank does not feel a special need to raise funds. Given the dynamics of placement of funds over the past years, we can say with confidence that the bank will continue to be an average bank in terms of profitability, but an ideal credit institution with the highest degree of reliability in the market.
Let's see what interest on deposits in Sberbank is offered to customers today. The range of deposit products is quite extensive, but we will try to briefly describe each of the programs.
The line of time deposits is represented by the following products:
Save - up to 10.29%, taking into account capitalization. The investment allows you to get the maximum income guaranteed. Replenishment, as well as withdrawal of part of the money are not allowed. The minimum amount is 1 thousand rubles, 100 euros or US dollars.
Replenish - suitable for those who intend to regularly save certain amounts in order to save up for something necessary, useful or just pleasant. Rates - up to 9.58% with capitalization. Deposits are allowed, but withdrawals are not. Minimum to open - similar to the previous product.
Manage - a deposit for those who have a desire to use part of the money from the account, but without losing profitability. Rates vary up to 8.51% subject to interest capitalization. Replenishment and withdrawal are provided. Unlike the first two programs, the minimum amount is 30 thousand rubles or 1 thousand dollars / euro.
Give life is an opportunity to help children suffering from serious illnesses (oncology, etc.). Income is calculated at a rate of up to 8.93 (only in rubles). Partial withdrawals or deposits are not allowed. To open, you need 10 thousand rubles.
Multicurrency - as part of the deposit, Sberbank offers to receive additional income due to fluctuations in exchange rates. The maximum yield is up to 8.18 in rubles. To open, you must immediately deposit 5 rubles, 5 euros and 5 dollars into your account, since it [opening] takes place simultaneously in the three listed currencies.
International - under this program, the client earns not only on interest accrued by the bank, but also on fluctuating exchange rates. By the way, currencies are not too traditional for deposits: the pound sterling, the Swiss franc and the Japanese yen (yield, respectively, up to 4.50%).
In addition, this also includes a savings account that allows you to freely dispose of the funds available on it. The term of finding money on it is unlimited, the rate can reach 2.3%. Opened only in rubles.
Detailed information about Sberbank deposits
Taking into account current changes in the Russian economy, Sberbank's deposit rates have been significantly increased.
International
Multicurrency
Pension Plus
gift a life
Replenish
Replenish (retirement)
Refill Online
save
Save (retirement)
Save Online
drive
Drive Online
The maximum interest on Sberbank deposits for individuals for 2017: rubles - 6.49% per annum (on the days of the 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 "dormant" "Sberbank", regular customers.
Well, okay, let's not understand the intricacies of banking policy, but 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.
| Deposit amount | 3-6 months | 6-12 months | 1-2 years | 2-3 years | 3 years |
|---|---|---|---|---|---|
| from 1 000 ₽ | 5,20 (5,22*) | 5,65 (5,72) | 5,35 (5,48) | 5,15 (5,41) | 5,00 (5,38) |
| from 100 000 ₽ | 5,35 (5,37) | 5,80 (5,87) | 5,50 (5,64) | 5,30 (5,58) | 5,15 (5,56) |
| from 400 000 ₽ | 5,50 (5,53) | 5,95 (6,02) | 5,65 (5,80) | 5,45 (5,74) | 5,30 (5,73) |
| from 700 000 ₽ | 5,70 (5,73) | 6,15 (6,23) | 5,85 (6,01) | 5,65 (5,97) | 5,50 (5,96) |
| from 2 000 000 ₽ | 5,70 (5,73) | 6,15 (6,23) | 5,85 (6,01) | 5,65 (5,97) | 5,50 (5,96) |
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. Deposit program "Manage" - 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 "products" described above) 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".
| Deposit amount | 3-6 months | 6-12 months | 1-2 years | 2-3 years | 3 years |
|---|---|---|---|---|---|
| from 30 000 ₽ | 4,85 (4,87*) | 5,20 (5,26) | 4,60 (4,70) | 4,35 (4,54) | 4,10 (4,35) |
| from 100 000 ₽ | 5,00 (5,02) | 5,35 (5,41) | 4,75 (4,85) | 4,50 (4,70) | 4,25 (4,52) |
| from 400 000 ₽ | 5,15 (5,17) | 5,50 (5,56) | 4,90 (5,01) | 4,65 (4,86) | 4,40 (4,69) |
| from 700 000 ₽ | 5,35 (5,37) | 5,70 (5,77) | 5,10 (5,22) | 4,85 (5,08) | 4,60 (4,92) |
| from 2 000 000 ₽ | 5,35 (5,37) | 5,70 (5,77) | 5,10 (5,22) | 4,85 (5,08) | 4,60 (4,92) |
* - 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 - retains 2/3 of the interest rate in force at the time of opening.
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 programs of Sberbank: 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. Deposit program "Pension Plus" - 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 do not 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.
In an unstable economic time in our country, few people dare to make bank deposits. However, if you really make a deposit, then only in a reliable, stable bank, which was practically not affected by the times of crisis.
This is exactly what Sberbank is, serving a third of the country's banking system.
If you open a deposit, then only in Sberbank. This is how the Russians think and trust the bank with funds. Consider the entire line of deposits of Sberbank of Russia in 2019 with interest rates for today.
Problems in the economy did not shake Sberbank and bank deposits remained profitable. There are new offers, with new conditions and rates.
The previously popular line of Sberbank deposits for individuals in 2019 “Save Online”, “Replenish Online”, “Manage Online” “lost” a little in percentage terms, but not everywhere. Rates for some types of deposits are lower by an average of 0.5–1%, but there is also an increase of 0.15–1.8%, especially for foreign currency investments. The rates for deposits opened online or at the bank office have become different. If you open a deposit online via the Internet on the official website of Sberbank, then your rate will be on average 0.15% higher than if you open a deposit with the same name, but at the bank office. Sberbank, thus, encourages its future and current customers to move to the Internet.
It is worth noting that the conditions for deposits for pensioners have become more interesting. In 2019, Sberbank increased rates on savings, savings deposits and accounts for receiving pensions.
Sberbank term deposits in 2019
Today, Sberbank offers six types of term deposits.
"Save"
This deposit in Sberbank promises reliable preservation and replenishment of your savings. The interest rate on the deposit varies from 4.05 to 5.75% per annum, if the deposit is in rubles, from 0.01 to 1.85% in US dollars.
Deposit term from 1 month to 3 years. It is impossible to replenish the deposit or partially withdraw funds during the initially declared period. Minimum deposit amounts: 1,000 rubles, 100 dollars or 100 euros.
Interest on the deposit is accrued every month and is automatically added to the deposit amount, so that in the next month they are already accrued on the increased amount. The accrued interest on the deposit can be cashed out or transferred to the Sberbank bank card account.
"Replenish"
The interest rate on this deposit is from 4.6 to 5.3% per annum, for deposits in rubles. For dollars and euros - from 0.01 to 1.45% per annum. You can invest for a period of 3 months to 3 years inclusive. The deposit remains replenished. However, it is impossible to reduce the initially invested or replenished amount. You can easily withdraw interest on the deposit and transfer it to your card. Minimum amount: 1,000 rubles, 100 dollars or 100 euros.
"Replenish" in the name of the child
Sberbank gives parents the opportunity to open a personal deposit for a minor child, which can only be closed upon reaching the age of 18. The minimum amount for placement is 1,000 rubles or $100, and the rate will be 4.6–5.15% for ruble deposits and 0.01–1.15% for dollar deposits. The account is replenished by any persons without restrictions, but the savings are cashed out only when the age threshold is reached or through permission from the guardianship authorities.
"Control"
A feature of this deposit is the possibility of partial withdrawal of funds in the process of deposit, while not closing and not losing interest. Deposit interest rates are 4.3–5% for deposits in rubles, depending on the amount of the deposit. Interest rate for dollars - from 0.01 to 1.35% per annum. Deposit term from 3 months to 3 years. The deposit can be replenished and partially withdrawn. You can manage the movement throughout the term of the deposit, hence the name. Minimum deposit amount: 30,000 rubles or 1,000 dollars.
"Social"
Special deposit for children left without parental care, and depositors with the status of a veteran or disabled veteran of the Second World War. It opens for 3 years, replenishes in free mode and is consumed if necessary. Interest is set at 4.75% per annum and accrues at the end of each quarter. Funds “earned” in excess of the initial capital can be transferred to a third-party account or returned to a deposit for subsequent capitalization. The minimum amount for making a deposit is 1 ruble.
"Gift a life"
This is a charitable contribution. Every 3 months, 0.3% per annum is transferred from the deposit to the fund for helping children with oncological, hematological and other serious diseases. The interest rate on the deposit is 5.65% per annum. The deposit is exclusively in rubles, and the minimum amount is 10,000. The deposit is issued for a period of 1 year, during this period it is impossible to replenish or partially withdraw funds.
Online deposits
In the line of deposits of Sberbank: "Save", "Replenish" and "Manage" - there are options for opening deposits with the same names via the Internet. The conditions are similar, but slightly different.
To open a deposit, go to the Sberbank Online or Mobile Bank system, select the "Deposits and Accounts" section, then "Opening a Deposit". Be sure to read the conditions for placing and withdrawing funds on deposit accounts, then select the conditions and interest rates that suit you and click the "Continue" button. Fill out the application, where you indicate the amount and term credited to the deposit, then click "Open". After that, you can consider yourself a contributor.
Interest rates on deposits opened online via the Internet are higher by 0.15% per annum.
"Pension plus"
The "Pension Plus" deposit - why is it special? The essence of the contribution is that the pensioner does not withdraw the entire pension when he enters the account, but leaves part of the funds there for accumulation at 3.5% per annum in rubles. The term of the deposit is 3 years, during the entire period the “fireproof” amount can be replenished and partially withdrawn.
Deposits with higher rates
For owners of the Sberbank First or Sberbank Premier service package, deposits with increased annual interest rates are available. The standard annual rate increases by 1%, which, with an amount of at least 700-5000 thousand rubles. or 50-150 thousand c.u. bring the investor a high return. A similar deposit is made with a personal manager or in a personal online account for an individual period and with special conditions.
Special Accounts
In addition to standard consumer deposits, special deposits can also be issued at Sberbank. Among them:
- for social payments for the maintenance of the ward. The minimum initial payment for line activation is not set, replenishment and spending is free, and the rate is fixed at 3.5%;
- for the formation of the electoral account. No additional income on the balance and no restrictions on spending and creating an account;
- for the bidder. It is opened ahead of schedule, replenished unlimitedly and spent within the deposited amount with a yield of 0.01% annually.
savings account
It is an account for free and confident disposal of savings. Opened indefinitely, replenished and spent at the request of the depositor. Available in three currencies: rubles, dollars and euros. Annual rates range from 1-1.8% for ruble deposits and 0.01% for foreign currency investments. The higher the deposit amount, the higher the interest rate.
Current account
For daily use, a termless deposit in rubles without restrictions and accrual of 0.01% every year is suitable.
Poste restante
The basic deposit of Sberbank, which is valid indefinitely and offers unlimited limits on account movement. Suitable for any world currency, including rubles, dollars, euros, pounds sterling, crowns and yen. The minimum amount and minimum balance is 10 rubles, 5 c.u. or other banknotes equivalent to 5 US dollars. The deposit is replenished for any amount throughout the entire period of existence, and withdrawn up to the minimum entry fee. Interest in the amount of 0.01% is accrued quarterly, and in case of early demand, it is calculated according to the actual storage period.
It is worth noting that Sberbank deposits, of course, provide for early withdrawal of funds if you need them. However, it is not recommended to withdraw money ahead of schedule, as you will lose the accrued and future interest on the deposit. Interest rates for early withdrawals and closing the deposit are immediately reduced to 0.01%, regardless of how long the money has already been in the account. You violate the terms of the deposit agreement, so the bank has the right to lower rates. Even if you have previously withdrawn or capitalized already accumulated interest, you will be given back the money, taking this interest back.
