Sberbank of Russia is the undisputed leader in terms of the volume of household funds attracted to deposits. As of March 1, 2014, its portfolio of individual deposits exceeded 7.7 trillion rubles, which secured it the first place in this indicator. The popularity of Sberbank among depositors is explained not only by its reliability, attractive conditions for deposits, but also by a wide range of deposits. Among which there are special offers for pensioners, as well as those who want to participate in charity. Read more about deposits in Sberbank in our review.
Contribution "Save" designed for those who are looking for maximum profitability . Rates on it - up to 7.76% per annum in rubles, 2.33% per annum in dollars and 2.33% in euros. The minimum deposit amount is 1000 rubles / 100 dollars / 100 ero. Term - from 1 month to 3 years. For deposits opened by pensioners, the maximum rate is set for the selected period, regardless of the amount of the deposit. Interest is paid monthly, to a bank card account. capitalization is possible. When placing funds over 100 thousand rubles. (or the equivalent in US dollars and euros) and with a shelf life of at least 1 year, a bank card Sberbank - Maestro, Sberbank - Visa Electron is issued. However, such attractive conditions are possible with a number of reservations, in particular, replenishment of the deposit and partial withdrawal of funds from it are not provided. Early withdrawal of funds - on preferential terms. If the funds have been deposited for more than 6 months, interest is paid based on 2/3 of the interest rate; less than 6 months - 0.1% per annum. In case of early termination of the deposit, interest is recalculated without taking into account the monthly capitalization of interest. Auto-prolongation of the deposit is possible.
By deposit "Save Online" similar conditions are provided, with the only difference that it can be opened remotely, through the Internet bank. Rates on it will be higher - up to 8.07% per annum in rubles, 2.43% per annum in dollars and 2.43% in euros - compared to the "Save" deposit, which is opened in bank branches.
Contribution "Replenish" calculated to create savings . It provides for the possibility of replenishment, that is, the investor can regularly save funds, thereby increasing the final income. Rates on it - up to 7.28% per annum in rubles, 2.11% per annum in dollars and 2.11% in euros. The minimum deposit amount is 1000 rubles / 100 dollars / 100 ero. Term - from 3 months to 3 years. The increase in the interest rate occurs automatically when the next amount gradation is reached. For deposits opened by pensioners, the maximum rate is set for the selected period, regardless of the amount of the deposit. Interest is paid monthly, to a bank card account. capitalization is possible. Partial withdrawal is not provided. Early withdrawal of funds - on preferential terms. If the funds have been deposited for more than 6 months, interest is paid based on 2/3 of the interest rate; less than 6 months - 0.1% per annum.
Contribution "Replenish Online@yn" implies higher rates - up to 7.58% per annum in rubles, 2.22% per annum in dollars and 2.22% in euros - and is opened through the Internet bank.
Contribution "Control" provides maximum freedom in the use of funds . It is possible to replenish the deposit, as well as withdraw part of the funds. Rates on it - up to 6.68% per annum in rubles, 1.9% per annum in dollars and 1.9% in euros. The minimum deposit amount is 30,000 rubles / 1,000 dollars / 1,000 euros. The maximum amount of the deposit is equal to the initial deposit, increased by 10 times; if the deposit amount exceeds the maximum amount, then the difference between the actual deposit amount and the maximum interest is charged at the rate of 1/2 of the deposit rate effective on the date of excess. Term - from 3 months to 3 years. Interest payment - monthly, to a bank card account. Capitalization - at the choice of the client. When placing funds over 100 thousand rubles. (or the equivalent in US dollars and euros) and with a shelf life of at least 1 year, a bank card Sberbank - Maestro, Sberbank - Visa Electron is issued. Early withdrawal of funds - on preferential terms. Deposit rates "Manage Online"- up to 6.97% per annum in rubles, 2.01% per annum in dollars and 2.01% in euros.
"Savings account" allows you to manage money without restrictions. The depositor can replenish and withdraw funds from the account at any time, in any volume. There are no requirements for the minimum amount, terms of placement of funds. Rates - up to 2.30% per annum in rubles, 0.40% per annum in dollars, 0.40% in euros. Rates depend on the amount placed and increase when the next threshold is reached. Interest is accrued monthly: on the minimum balance kept on the account during the month - at the interest rate, which was determined based on its amount; for the difference between the minimum and actual balance - at an interest rate of 0.01% per annum. Early termination determines the minimum balance kept in the account during the month in which the account is closed. An interest rate of 0.01% per annum is charged on the difference between the minimum and actual balance.
For those who are looking higher return than investment , suitable "Savings Certificate". Placing funds on it from 10,000 rubles for a period of 91 days, you get a yield of 9.3% per annum in rubles, which is significantly higher than deposit rates. However, there is one “but”: the funds on the deposits are insured, but the funds on the certificate are not. That is, if the license is revoked from the bank, they will not be returned to you. Interest payment - at the end of the term. Replenishment and partial withdrawal are not provided. Early termination - at the demand rate.
Contribution "Pension-plus" calculated for pensioners who want to receive interest from the placement of temporarily free funds. The minimum deposit amount is from 1 ruble, the term is 3 years, the rate is 3.67% per annum (including interest capitalization, without - 3.5% per annum). The deposit is replenishable, with the possibility of partial withdrawal of funds. Interest payment - quarterly. In case of early termination of the deposit, interest is recalculated without taking into account capitalization of interest.
Contribution "International" allows you to receive in addition to the main income on the deposit additional income from changes in the exchange rate . The deposit can be opened in pounds sterling (rate - up to 3.25% per annum), Swiss francs (rate - up to 2.5% per annum), Japanese yen (2.25% per annum). The minimum deposit amount is 10,000 pounds sterling, 10,000 Swiss francs or 1,000,000 Japanese yen. Term - from 3 months to 3 years. Interest payment - at the end of the deposit term. Partial withdrawal and replenishment of the deposit are not provided. Early withdrawal of funds - on preferential terms. If the funds have been deposited for more than 6 months, interest is paid based on 2/3 of the interest rate; less than 6 months - at the demand rate, 0.1% per annum.
Contribution "Multicurrency" also allows you to receive additional income from exchange rate differences. Funds can be placed in rubles (from 5 rubles), dollars (from 5 dollars) or euros (from 5 euros). The deposit is opened simultaneously in three currencies. It is possible to convert funds from one type of currency to another without loss of accrued income. Rates - up to 6.21% per annum in rubles, 1.78% per annum in dollars and 1.78% in euros. Term - 1 year. Interest payment - once every three months, to a bank card account. Partial withdrawals are not allowed. Replenishment is possible, the minimum amount is 1,000 rubles, 100 dollars / euro; when replenishing the deposit by bank transfer, the amount of the additional contribution is not limited. Early withdrawal of funds - on preferential terms.
Contribution "Gift a life" created 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. Interest rate - 6.56% in rubles, deposit term - 1 year. The minimum deposit amount is 10,000 rubles. The deposit is not replenished, without partial withdrawal. Early termination of the deposit agreement - on preferential terms.
Table 1. "Deposits in Sberbank in 2014"
|
Contribution |
Max. bid |
Min. sum |
Min. term |
|
|---|---|---|---|---|
|
1000 rubles 100 dollars |
||||
|
1000 rubles 100 dollars |
||||
|
1000 rubles 100 dollars |
||||
|
1000 rubles |
One of the signs of the modern financial culture of a reasonable person is the desire to form savings and place them in a reliable bank that guarantees the safety of funds and significant interest income. These criteria are primarily met by deposits with Sberbank of Russia.
For those who wish to have a specific amount by a certain date, the bank offers the “Replenish” deposit. The period for which funds are placed on this deposit is from 3 to 36 months. The profitability of a deposit depends on its size and the term of their placement and ranges from 4.60% - 7.28% for deposits in rubles, 0.4% - 2.11% for deposits in foreign currency. In accordance with the deposit agreement, the client is given the opportunity to replenish the deposit. Early partial withdrawals are not allowed. The minimum possible deposit amount is one thousand rubles or 100 USD/EUR.
When making a deposit online, the client can count on increased interest rates. On the “Replenish online” deposit, Sberbank of Russia offers 4.85% - 7.58% per annum for savings in rubles, 0.2% - 2.22% per annum for savings in dollars or euros.
Terms of deposits "Save", "Save online", "Manage"
Those who want to get the maximum income on the deposited funds, it makes sense to pay attention to the "Save" and "Save online" deposits. The term of placement of deposits is from 1 to 36 months. The deposit agreement does not imply replenishment or partial withdrawal of funds. The minimum deposit amount is one thousand rubles or 100 USD/EUR. The "Save" deposit offers rates of 4.4% - 7.76% for deposits in rubles, 0.3% - 2.33% for deposits in dollars or euros. The "Save Online" deposit will bring its owners 4.65% - 8.07% for ruble deposits, 0.4% - 2.43% for foreign currency deposits.
In addition, Sberbank has a Pension Plus program, the terms of which you can find on our website.
Those who need mobility of funds, but still want to create savings, need to rely on the “Manage” deposit. This deposit allows you to partially use the funds placed on the deposit without losing interest income. This deposit is replenishable, the deposit agreement is valid from three to thirty-six months. Deposit yield - 4% -6.68% for ruble deposits, 0.35% -1.9% for foreign currency deposits. The minimum deposit amount is 30,000 rubles or 1,000 USD/EUR. Making this deposit online will allow you to get a higher profitability.
Earnings on fluctuations in global financial markets
For those who are ready to predict the rates of major world currencies, it makes sense to receive income not only as interest on a deposit, but also from fluctuations in global financial markets. Sberbank of Russia is ready to accept deposits in British pounds, Swiss francs and Japanese yens from its clients. The corresponding "International" deposit can be opened for up to thirty-six months. If the client prefers Swiss or British currency, then the minimum deposit amount is 10,000 francs/pounds. To open a deposit in yen, you need to have 1,000,000 yen. Supporters of the British currency can be sure that they will increase their contribution by 0.55-3.25 percent per year, the owners of Swiss francs will receive from 0.1 to 2.5 percent, the yield of the yen - 0.3-2.25 percent.
In 2013, out of ten deposits offered by Sberbank of Russia, two can be opened in rubles, five - in rubles, US dollars and euros, and three, respectively, in pounds sterling, Swiss francs or Japanese yen.
Since Russians prefer to open deposits in rubles to a greater extent, we present a summary table that shows the main conditions for ruble deposits.
| Contribution | Min. initial contribution |
Deposit term (min/max) |
Bid (min/max) |
Possibility of replenishment | Possibility to withdraw money |
|---|---|---|---|---|---|
| Replenish | 1 000 rub. | 3 months 3 years |
4,85% 7,25% |
Yes | Not |
| save | 1 000 rub. | 1 month 3 years |
4,9% 8% |
Not | Not |
| drive | 30 000 rub. | 3 months 3 years |
4,05% 6,5% |
Yes | Yes |
| Multicurrency | 5r. | 1 year 2 years |
0,01% 6% |
Yes | Not |
| International | 10 000 rub. | 1 month 3 years |
1,55% 4,25% |
Not | Not |
| gift a life | 10 000 rub. | 1 year | 7,25% | Not | Not |
| savings account | Is absent | Not limited |
1,5% 2,3% |
Yes | Yes |
save
From the line of five classic ruble deposits for those who wish to receive the maximum possible income, the deposit is of interest "Save":
- To open this deposit, it is enough to deposit 1000 rubles.
- The term of the deposit varies from one month to three years.
- Its yield depends on the amount and term of the deposit and ranges from 4.90 to 8 percent.
Replenish
For those bank customers who would like to be able to replenish the deposit, it is advisable to open a deposit "Replenish":
- Opening and replenishment of this deposit is carried out when making a deposit of 1000 rubles.
- The term of the deposit is set by the client in the range from three months to three years.
- The yield of the deposit is determined by the term and amount of the deposit and varies from 4.85 to 7.25 percent.
- Partial withdrawal of the deposit is not provided.
drive
For those depositors who would like to open a deposit with the possibility of its partial withdrawal, the bank offers a deposit "Control":
- For a period of three months to three years.
- At an interest rate of 4.05 to 6.50%.
- The deposit is opened upon depositing 30 thousand rubles into the account.
- The terms of the deposit provide for replenishment in the amount of 1000 rubles.
Opening a deposit through Sberbank Online
To receive increased offers to use the services of Internet banking to open a deposit "Sberbank Online" or ATM. Subject to opening a ruble or foreign currency deposit through the global network, the interest rate, respectively 0.75% and 0.15% higher than when opening similar deposits in the offices of a credit institution.
To open deposits using the Internet, you must first connect to the Sberbank Online system. For this you need:
- Visit the bank office to conclude the relevant agreement. You must have your passport with you. The contract must indicate the depositor's mobile phone number
- Order and then receive a debit bank card. The card is issued free of charge, and the cost of its annual maintenance varies depending on the type of card from 0 to ten thousand rubles.
- Connect the received card to the "Mobile Bank" service
- Get one-time passwords at an ATM / payment terminal. In these self-service devices, you can get 20 one-time passwords at a time. When using a mobile phone, a one-time password will be sent in an SMS message each time you log in to the system and perform certain operations in the Sberbank Online @ yn system.
Connection to the Sberbank OnL@yn system is free of charge, and There is no subscription fee for using the system.. The "Mobile Bank" service, when connected to an economical package that does not provide for sending SMS-messages about transactions performed on the card, is also free.
Sberbank's specialization in servicing the population is reflected not only in the range of loan programs, but also in 2014 Sberbank's deposits for individuals account for the lion's share of the bank's liabilities. For pensioners, students, and the working population, attractive conditions for responsible storage of financial resources have been created.
Deposit (deposit) - financial resources that are provided by individuals and legal entities for bank management for a clearly defined term and at a certain percentage, indicated in a legal agreement.
Sberbank deposits can be conditionally divided into:
On demand: deposit funds from this account can be used by the owner at any time. We can say that such a deposit acts as a kind of savings book for salaries, savings, etc.
- for a certain period (urgent): the agreement with the bank clearly defines the terms of the deposit, the percentage for the use of resources, the terms of return. The income received on such deposits is always higher than on demand deposits. This is due to the fact that if the depositor wants to withdraw money from the deposit of Sberbank ahead of schedule, interest for using it will be accrued at a reduced rate. But a term deposit can be considered in the event that it lies for at least six months or another term of mandatory storage specified in the contract.
Registered deposits of Sberbank: a convenient option for a gift or savings deposit for a significant date or dedicated to a festive event.
Attraction of deposit funds by Sberbank is possible by:
Registration of a deposit agreement on term deposits;
Preparation and issuance of a certificate of deposit.
In both options, the bank that received funds from the depositor undertakes to pay the amount of the deposit (deposit) and accrued interest on the terms and in the manner prescribed by the agreement.
The advantage of Sberbank deposits is the possibility of opening both currency and ruble accounts. Interest for the use of the deposit, according to the terms of the agreement, can be paid upon repayment of the deposit, periodically or in advance.
Sberbank deposits for individuals in 2014
For pensioners, individuals and legal entities, students, Sberbank has developed a lot of profitable offers for deposits. Among the bank's products, Sberbank's deposit programs for individuals in 2014 are actively gaining popularity:
- "Save": the minimum deposit amount is from 1000 rubles (100 US dollars or 100 euros), the term is from one month to three years, the rate ranges from 4.4% to 7% per annum in rubles, replenishment or partial withdrawal is not provided. When making this deposit through the Sberbank Online application, the interest rate is slightly higher and ranges from 4.65% to 8.4% per annum in rubles.
- "Replenish": the conditions are similar to the previous deposit, the rate ranges from 4.6% to 7.3% per annum in rubles, while the possibility of replenishing a deposit account is available - an ideal opportunity for those who prefer to save in rubles. This is one of the most popular Sberbank deposits for individuals in 2014.
- "Manage": for those who are always accustomed to control their money. The minimum deposit amount is RUB 30,000 (USD 1,000 / EUR 1,000), term from three months to three years, partial withdrawals and replenishment of the deposit are available. The rate ranges from 4% to 6.68% per annum in rubles. In the online version, the rate is 4.25% to 7.28% per annum in rubles.
A savings account is the best choice among Sberbank deposits for individuals in 2014, for pensioners: it allows you to freely use deposit funds, there is no minimum deposit amount, no term of use is limited, there is no limit on withdrawals and deposits, the rate is from 1.5% to 2.3% per annum rubles.
The bank pays special attention to pension deposits.
Sberbank deposits for pensioners
For this category of the population, Sberbank offers a special deposit service program - "Pension +", which provides for the calculation of interest on pension funds placed in a bank account.
Sberbank deposits for pensioners. Conditions:
The minimum deposit amount is purely symbolic - 1 ruble;
The term of the deposit agreement is three years with the right of subsequent prolongation;
It is possible to replenish the deposit account;
Partial withdrawals are not limited;
The rate is 3.67% per annum in rubles.
To draw up an agreement, you need to visit the Sberbank branch with a document proving your identity, sign a deposit agreement and deposit money into the account. From now on, on the balance of funds under the terms of the Sberbank Deposit for pensioners, you will be charged a fixed percentage. At the same time, the accumulated amount of interest is added quarterly to the amount of the deposit, thereby increasing your subsequent income. Please note that in case of early termination of the deposit agreement and withdrawal of funds, interest for the use of money is accrued at the rate in force at the time of signing the agreement. Excluding interest capitalization.
Sberbank deposits for pensioners, the conditions provide for automatic extension of the agreement, for which you can issue a testamentary disposition or power of attorney.
Summing up, I would like to note that Sberbank has long established itself as a reliable financial partner both in terms of lending and deposit storage of funds. A wide range of offers covers all categories of the population, I provide the most favorable conditions for banking services.
The past year was not just successful for the first bank of Russia. The turn towards non-standard solutions for Sberbank surprised not only its most devoted and conservative clients.
According to statistics in the Yandex search engine alone, more than 9 million requests are devoted to him every month. As for attracting funds from individuals, the bank's analysts note the launch in Moscow of a special tariff plan for premium clients (Sberbank Premier channel), as well as the opening of the 100th office for wealthy clients (Sberbank First channel). Wealthy clients placed more than 780 billion rubles on the bank's deposits. The share of the remaining liabilities of the Sberbank First channel in the total liabilities of Sberbank increased from 9.3% to 10.6% over the year.
Results of the past year
A completely natural result of the new policy was an increase in household deposits in 2013 by 20.6%, the total amount of which is already more than 40% of all bank deposits of individuals. In one December, the funds of individuals increased by 644 billion rubles and approached 8 trillion. rubles. If we compare this number with the volume of deposits of the largest retail bank in the country, VTB24, which ranks second in terms of the amount of capital raised from individuals, then the latter has the same figure only up to 1.3 trillion. rubles, i.e., it turns out to be 6 times less. According to preliminary data, the net profit of Sberbank last year amounted to 350 billion rubles, and this is almost 10 times more than the income of the second bank of the Russian Federation.
It will not be out of place to remind you that not only on these balance sheet indicators, Sberbank consistently occupies the first lines of various financial ratings among Russian financial institutions. The classic Sberbank net asset size index, which traditionally ranks banks in the global financial system, shows a level of 16.7 trillion. rubles, which is 5 times more than that of Gazprombank, which occupies the next place in the Russian economy.
It is on the basis of the indicators of these five, which attract the largest amount of funds from the population, that the Central Bank calculates the maximum deposit rate for a benchmark in the bank deposit market.
prospects
According to most experts, Sberbank's deposit offers in the coming year will be characterized by a gradual reduction in rates. And all this is due to the fact that new loan programs with very attractive conditions for borrowers are constantly appearing among the bank's retail products. And, as a result, it is no longer profitable for Sberbank to raise money in deposits on the same terms, because after the reduction in the cost of credit programs, the cost of attracting free funds from depositors decreases.
It should be clarified that we are talking about a decrease in the yield on ruble deposits. In the case of foreign currency deposits, the question is still open, since the processes taking place in the world economy will have a certain influence here.
Contributions in 2014
The Sberbank deposit program for 2014 includes classic time deposits in rubles and foreign currency, deposit accounts for pensioners, for clients on the Internet, and a special charitable account. Also, in order to save and accumulate funds, the bank offers to open depersonalized metal accounts or purchase. Each person will be able to choose the best option for their savings, in order not only to save them, but also to increase them.
| The product's name | Rates (range in %) | Term (range in months) | Minimum amount |
Classic term deposits |
|||
International | Yen: 0.3 - 2.25 CHF: 0.1 - 2.5 Pound Sterling: 0.55 - 3.25 | 1,000,000 yen10,000 Swiss francs10,000 GBP | |
Multicurrency | Rubles: 0.01 - 5.9 Dollars: 0.01 - 1.78 Euro 0.01 - 1.78 | RUB 5 USD 5 EUR 5 | |
Replenish | Rubles: 4.6 - 7.28 Dollars: 0.4 - 2.11 Euros: 0.4 - 2.11 | ||
save | Rubles: 4.4 - 7.76 Dollars: 0.3 - 2.33 Euro: 0.3 - 2.33 | RUB 1,000 USD 100 EUR 100 | |
drive | Rubles: 4 - 6.68 Dollars: 0.35 - 1.9 Euro: 0.35 - 1.9 | ||
Online deposits available for opening on the Internet |
|||
Refill Online | Rubles: 4.85 - 7.58 Dollars: 0.5 - 2.22 Euro: 0.4 - 2.22 | RUB 1,000 USD 100 EUR 100 | |
Save Online | Rubles: 4.65 - 8.07 Dollars: 0.4 - 2.43 Euros: 0.4 - 2.43 | RUB 1,000 USD 100 EUR 100 | |
Drive Online | Rubles: 4.25 - 6.97 Dollars: 0.45 - 2.01 Euro: 0.45 - 2.01 | RUB 30,000 USD 1,000 EUR 1,000 | |
Deposit accounts for pensioners |
|||
Pension Plus | Rubles: 3.5 (3.67) | ||
Replenish (retirement) | Rubles: 5.3 - 7.28 Dollars: 0.8 - 2.11 Euro: 0.8 - 2.11 | 1 000 rubles 100 USD |
|
Save (retirement) | Rubles: 5 - 7.76 Dollars: 0.6 - 2.33 Euro: 0.6 - 2.33 | 1 000 rubles 100 USD |
|
Special charitable contribution |
|||
Gift a life | Rubles: 6.4 (6.56) | 10 000 rubles |
|
metal bills |
|||
Payment in rubles at the selling rate set by the bank: gold, silver, platinum, palladium | |||
Savings certificates |
|||
Savings certificate of Sberbank of Russia | 10 000 rubles |
||
The maximum values of interest rates are indicated taking into account capitalization.
As you can see from the table, the duration of savings in Sberbank starts from one month and ends with a period of 3 years, if we talk about deposits, and has no limit, if we invest in precious metals.
The interest rate depends on the sum range in deposits: International, Multicurrency, Replenish, Replenish (retirement), Replenish Online, Save, Save (retirement), Save Online, Manage, Manage Online.
By the way, pensioners now also have the opportunity to open Sberbank deposits online. Moreover, the bank holds free training seminars for them on the elimination of computer illiteracy. In addition to learning how to use Internet banking, the courses talk about other useful features that are available to anyone through a virtual network: finding transport schedules, buying tickets, public services, and information about benefits.
The procedure for paying and accruing interest on Sberbank deposits in 2014 may be as follows:
— At the end of the term: International Savings Certificate.
– Monthly rent or capitalization once a month at the choice of the client: Replenish, Replenish (retirement), Replenish Online, Save, Save (retirement), Save online, Manage, Manage Online.
— Quarterly rent or capitalization once a quarter at the choice of the client: Multi-currency, Give life.
— Quarterly rent: Pension plus.
Most Sberbank deposits provide additional management options during the term of the agreement:
— Replenishment: Multi-currency, Pension plus, Replenish, Replenish (retirement), Replenish Online, Manage, Manage Online, CHI.
— Partial expense: Pension plus, Manage, Manage Online, CHI.
— Simultaneous ability to spend and replenish: Pension Plus, Manage, Manage Online, CHI.
— Preferential accrual of interest in case of early termination of the contract: International, Multicurrency, Replenish, Replenish (retirement), Replenish Online, Save, Save (retirement), Save Online, Manage, Manage Online.
You can make a deposit in favor of third parties, for example, for minor children or other relatives, in the products: Replenish, Manage, Save, Save Online, CHI.