New Sberbank deposits this year. What will happen to Sberbank deposits? Advantages and disadvantages of loans from Sberbank

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

Updated deposit rates of Sberbank of Russia for today

In 2020, Sberbank updated interest rates on deposits of individuals. Today deposits are not as profitable as in many other banks. But when choosing a bank to invest funds, individuals 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 returned an amount of no more than 1.4 million rubles, including interest. Read more about deposit insurance

The line of deposits for individuals at Sberbank is simple and clear:

1. – “Save” and “Special Save”,
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 – for “Save” and “Replenish” deposits, the maximum interest rate is set for the selected period, regardless of the deposit amount. See the conditions and interest rates of Sberbank deposits

Deposits in Sberbank today: interest and conditions

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

Sberbank deposit “Catch the Spring”: conditions and rates

This is a new holiday deposit that can only be taken out from 19 February to 14 March 2020. It is timed to coincide with holidays and has an increased interest rate.

Conditions

• Duration: 5 months;
• Minimum amount: 50,000 rubles.
• Replenishment: no;
• Partial withdrawal without loss of interest: no.

Conditions for calculating interest

• Interest is calculated at the end of the term;
• In case of early termination, interest is paid at a rate of 0.01%.

Interest rate

5% per annum in rubles.

Sberbank deposit “Save”: interest and conditions

Deposit for individuals to reliably preserve savings and receive a guaranteed stable income. Without the possibility of replenishment and partial withdrawal without loss of profitability. Opens in branches, online and at ATMs.

Conditions

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

Conditions for calculating interest

Interest rates

Without capitalization

Taking into account capitalization

In Russian rubles

In US dollars

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

Sberbank deposit “Replenish”: interest and conditions

A replenishable deposit for those who prefer to save and regularly deposit funds in a reliable bank. Opens in branches, online and at ATMs.

Conditions

• Duration: from 3 months to 3 years;
• Minimum amount: 1,000 rubles / 100 dollars.
• Partial withdrawal without loss of interest: no.
• Increase in interest rate: automatically when the next amount gradation is reached.

Conditions for calculating interest

• Interest is calculated monthly.
• The accrued interest is added to the deposit amount, increasing income in subsequent periods (capitalization).
• The accrued interest can be withdrawn or 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 secure storage of your savings with the ability to withdraw part of the funds before the expiration of the deposit without loss of interest. Refillable. Opens in branches, online and at ATMs.

Conditions

• Duration: from 3 months to 3 years;
• Minimum amount: 30,000 rubles / 1,000 dollars.
• Replenishment: yes. Cash - from 1,000 rubles / 100 dollars. Non-cash - unlimited;
• Partial withdrawal without loss of interest: yes. Up to the level of the minimum minimum balance without loss of accrued interest.
• Increase in interest rate: when the deposit amount is increased to the next gradation and when an additional agreement is concluded to increase the amount of the minimum balance.

Conditions for calculating interest

• Interest is accrued monthly on the entire deposit amount (the interest rate depends on the amount of the minimum balance).
• The accrued interest can be withdrawn or transferred to the card account.
• The accrued interest is added to the deposit amount, increasing income in subsequent periods.

Interest rates

in Russian rubles

in US dollars

Sberbank deposit “Gift of Life”: conditions and rates

Deposit to help children with oncological, hematological and other serious diseases. Every 3 months, Sberbank transfers to the Gift of Life charity fund an amount of 0.3% per annum of the deposit amount. Opens in the branch.

Conditions

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

Conditions for calculating interest

• Interest is calculated every 3 months;
• In case of early termination of the deposit, interest is recalculated without taking into account the 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 receiving income for retirement. It is intended for individuals receiving pensions from the Pension Fund of the Russian Federation, non-state pension funds, as well as ministries and departments providing pensions.

Conditions

• Duration: 3 years;
• Minimum amount: 1 ruble;
• Replenishment: unlimited;
• Interest accrual: every 3 months. The accrued interest is added to the deposit amount, increasing income in the following periods;
• Early termination: when the deposit is withdrawn, the rate established 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 deposit “Social”: conditions and rates

This is a special deposit into which social payments to orphans and war veterans are credited.

Conditions

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

Conditions for calculating interest

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

Interest rate

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 indicates the main conditions for ruble deposits.

Save

From the line of five classic ruble deposits, the deposit is of interest to those who want to receive the highest possible income "Save":

• To open this deposit, it is enough to deposit 1000 rubles.
• The deposit term varies from one month to three years.
• Its profitability depends on the amount and duration of the deposit and ranges from 4.90 to 8 percent.

Replenish

For those bank clients who would like to be able to replenish their deposit, it is advisable to open a deposit "Replenish":

• The opening and replenishment of this deposit is carried out when 1000 rubles are deposited into the deposit account.
• The deposit term is set by the client in the range from three months to three years.
• The return on 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.

Manage

For those depositors who would like to open a deposit with the possibility of partial withdrawal, the bank offers a deposit "Manage":

• For a period from three months to three years.
• At interest rates from 4.05 to 6.50%.
• The deposit opens when 30 thousand rubles are deposited 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 higher bonuses, he suggests using online banking services to open a deposit. "Sberbank Online" or ATM. Subject to opening a ruble or foreign currency deposit through the global network, the interest rate is accordingly 0.75% and 0.15% higher than when opening similar deposits in the offices of a credit institution.

To open deposits via the Internet, you must first connect to the Sberbank Online system.. To do this you need:

• Visit the bank office to conclude the relevant agreement. You must have your passport with you. The agreement must indicate the investor’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. These self-service devices can provide you with 20 one-time passwords at a time. If you use a mobile phone, a one-time password will be sent via SMS every time you log in to the system and carry out certain operations in the Sberbank Online system.

Connection to the Sberbank Online system is free, 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 card transactions, is also free.

Sberbank of Russia is considered the most reliable bank and guarantor. Even simple statistics show this. In 2013, depositors deposited more than eight trillion rubles into deposit accounts! 45% of deposits belong to Sberbank.

Not a single Russian or foreign bank operating in Russia can boast of such data. It is no coincidence that there are people who attribute the functions of the Central Bank to Sberbank.

Interesting paradox. When a person decides to take out a loan, he first of all considers the offers of commercial banks, believing that they have more favorable conditions. But when it comes to deposits, first of all, he pays attention to Sberbank, since it is believed that nothing will break this financial monster.

The Savings Bank of the Russian Federation really offers a wide range of deposits, taking into account the interests of depositors and social status. All contributions are in principle divided into three areas: “ Save», « Manage" And " Replenish" Moreover, almost any Sberbank deposit is duplicated by the opportunity to open a deposit account, offering the service online.

Types of deposits in Sberbank in 2014

“Save” deposit

The minimum deposit is 1000 rubles or 100 euros or US dollars. It’s worth noting right away that if you decide to open deposits in dollars or euros, then the interest rate will be much lower than in domestic rubles. In rubles the minimum rate will be 4.4%, and in dollars 2.33%, but already the maximum (food for thought).

The “Save” deposit has no limit on the amount of the deposit account, but to determine the interest rate, the following is done:

From 1,000 to 100,000 rubles – 4.4%;

From 100,000 to 400,000 - 4.5%;

From 400,000 to 700,000 – 4.65%;

From 700,000 to 2,000,000 – 4.8%;

From 2,000,000 rubles – 5.00%. Interest rates are indicated for the shortest deposit for one to two months. The “Save” deposit can be made for a period of up to three years, and accordingly, the interest will be higher. For example, the interest on a deposit of 1000 rubles for a period of one year will be 5.4%, and if it is issued for 13-14 months, you can get a rate of 5.8%.

The deposit does not provide for replenishment or partial withdrawal of money. You can only withdraw interest. If the interest income is not withdrawn, then the deposit is capitalized and further interest is accrued from the amount of deposit + interest.

For pensioners who have made a “Save Pension” deposit, the maximum interest rate applies. 5% for a deposit for 1-2 months and 7.76% for a period of up to three years. If the depositor reaches retirement age during the validity of the deposit, then Sberbank makes a recalculation for the remaining period.

Deposit “Replenish”

The gradation amounts are the same as for the “Save” deposit, but the minimum deposit period is 3 months. Moreover, if you decide to win on the interest rate, then the best option is to make a deposit for a period of 6 months, since it belongs to the category of savings.

Interest is accrued monthly and added to the principal deposit amount, but it can also be withdrawn or transferred to the card. But keep in mind that if you withdraw interest (that is, without replenishing the deposit account in any way) and make a deposit for a period of more than 6 months, then the interest rate on the “Replenish” deposit will be lower than on the first deposit in the “Save” line.

Another point about this contribution is noteworthy. If you have opened a deposit account in an amount from one to one hundred thousand rubles, you are accrued interest according to this gradation. If you do not withdraw interest and replenish your account with cash, if the barrier of 100,000 rubles is exceeded, it will be recalculated to the next interest rate.

For pensioners, the same rules apply as for the “Save” deposit. Everything is calculated at the maximum interest rate.

“Manage” deposit

It happens that you put money in a deposit account, but after a couple of months you needed some amount. In order not to close the account, Sberbank of Russia opened the “Manage” deposit. The minimum amount for this deposit is 30,000 rubles or 1,000 US dollars.

But its difference is that you can withdraw money up to the minimum limit (minimum balance). This means the minimum in each gradation, that is, 30,000, 10,000, etc. It turns out that you can withdraw money and interest on the minimum balance continues to accrue.

“Gift of Life” contribution

This type of deposit deserves special attention. If you want to not only make a profit from your “extra” money, but also help someone, then this is the place for you. Depositors of this deposit take part in a promotion of the same name, which is held by Sberbank.

Each quarter, 0.3% of the total amount will be withdrawn from your account. The money goes to the account of a charitable foundation that helps children with oncohematological and other serious diseases.

The minimum amount is 10,000 rubles (dollars are not provided), no gradation and a single rate of 6.4% per annum. The account is not replenished and there are no partial withdrawals. The deposit is valid for 1 year.

Benefits have already been mentioned above, but they also have their own line of pension deposits. If you would like to learn more about the terms of Sberbank deposits, you can do this on its official website or at any branch.

Despite the huge number of banks, many still trust only Sberbank. And this is not surprising, because Sberbank is one of the oldest and most famous banks in Russia. Recently, this bank very often makes various promotions on loans, lowering rates, which significantly stimulates borrowers.

Sberbank offers interest rates on loans in 2014, which are once again quite pleasant. Moreover, this applies to both consumer loans and housing loans. There are special loan programs for pensioners

Interest on consumer loans

As of March 2014, Sberbank has the following offers:

• Consumer loan without collateral.
  The loan term is up to 3 months to 5 years, the loan amount can be from 15 thousand to 1.5 million rubles. The interest on the loan can be from 17% to 21%. Not the best conditions, but the bank will definitely do a spring promotion, which it does every year.
• Consumer loan guaranteed by individuals.
• The conditions are the same as in the previous sentence, except that there must be a guarantee, and the interest rate can range from 16.5 to 20.5% per annum.
• Consumer loan secured by real estate.
  Here the interest rate is fixed and is 13.5%. The loan amount can vary from 1 to 10 million rubles. Loan term – 5-7 years.

Of course, like all banks, Sberbank puts forward certain requirements for the borrower, based on which it offers him the most favorable loan offer. In addition to consumer loans, Sberbank offers loans for small businesses, for people running subsidiary farming, mortgages and other types of lending.

Why do Sberbank have low interest rates?

The answer to this question lies on the surface. Sberbank strives to get as many clients as possible, and in the context of fierce competition, this is only possible by improving loan conditions. And the main condition is, of course, the percentage. Another point. Sberbank is one of the most famous banks in the country. For him, rates from the Central Bank are slightly lower than for other banks. Accordingly, they are lower for clients.

Requirements for the borrower and necessary documents

Now the procedure for obtaining a loan has been simplified to the maximum. The requirements for the borrower vary slightly depending on the type of loan, but generally fit into the following points:

1. The borrower's age must be between 21 and 65 years.
2. The total work experience cannot be less than 1 year over the last 5 years.
3. Work experience in the last place for at least 6 months.

If you are a participant in a salary project and have a good credit history, then all you need is a passport and your salary card. This is where the list of documents ends. If you are part of a general group of clients, then you will need to provide a passport, a 2-NDFL certificate and a copy of your work book.

Mortgage interest

Unfortunately, nowadays few people manage to buy a new home with their own money. More and more people are using housing loans, or mortgages. Sberbank is actively using this niche, selecting different and quite favorable conditions:

• Purchase of finished housing.
  The interest is 10%, the minimum mortgage payment cannot be less than 15% of the amount of the new home.
• Purchase of housing under construction.
  The loan terms are no different from the first offer.
• Construction of a residential building.
  Here the minimum loan amount cannot be less than 300 thousand rubles. But the percentage, keep in mind, is not 10.5%, as Sberbank says, but 13%, and this is not the limit. The fact is that the rate on a loan when issued in US dollars is always lower, and when receiving a loan in rubles, it is higher. The down payment also cannot be less than 15% of the total cost.

In addition to these three main areas, the bank offers loans for the construction of country real estate and a garage. There is a special “Mortgage + maternity capital”, which involves the use of maternity capital when repaying a loan or when making a down payment. Please note that when choosing a mortgage for the purchase of housing under construction, you must make sure that the developer cooperates with Sberbank.

Interest on car loans

For car loans, the annual interest rate of Sberbank is not much lower than the others. When borrowing in rubles, the interest will vary from 14.5% to 16%. It all depends on the term and amount of the loan. The loan term can range from 3 months to 5 years, and the loan amount can range from 45 thousand to 5 million rubles.

Annual bank promotions

Sberbank is trying to increase its borrower base, so at least once a year, and more often 2-3 times a year, it conducts incentive promotions. These actions consist of a significant reduction in the interest rate on consumer loans, mainly. For example, in 2014, until February 15, there was an offer under which the borrower could receive a loan at 14.5% and up to 1.5 million rubles. True, the loan term was limited to 1 year. Today, the rate of 14.5% is the lowest the bank has provided in recent years. The usual time for such promotions is August, November, February, April.

Advantages and disadvantages of loans from Sberbank

The clear and often decisive advantage is safety. Sberbank inspires confidence and has withstood more than one crisis. The second advantage is that it is quite simple to obtain a loan - this includes a package of documents and loyal requirements for the borrower himself. The third advantage of getting a loan from Sberbank is accessibility. Branches of this bank are, as they say, “at every step.” There is only one downside to lending at Sberbank – fairly high loan rates. They are lowered during the period of incentive promotions, when the percentage drops to a very pleasant one.

Prospects for interest rates

It is known that no bank can set a loan interest rate lower than the Central Bank interest rate. Today there is an opinion that the Central Bank will lower rates, which means loans for ordinary citizens will become much more accessible. Another point is Sberbank’s leading position in the lending market. Now there is practically a monopolization, because other banks, which are younger and smaller than Sberbank, cannot compete with it in terms of the benefits of their offers. It follows that the bank will get the maximum number of borrowers, and after that it will begin to raise interest rates, playing on people’s habits. However, this is not an indicator of development, but a completely working version of development.

One of the signs of the modern financial culture of a reasonable person is the desire to create 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 in Sberbank of Russia.

For those who want to have a specific amount by a certain date, the bank offers a “Top up” deposit. The period for which funds are placed on this deposit ranges from 3 to 36 months. The profitability of the deposit depends on its size and the period 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 permitted. The minimum possible deposit amount is one thousand rubles or 100 dollars/euro.

When making a deposit online, the client can expect higher interest rates. For 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"

For those wishing to receive maximum income on deposited funds, it makes sense to pay attention to the “Save” and “Save Online” deposits. The term of deposits is from 1 to 36 months. The deposit agreement does not provide for replenishment or partial withdrawal of funds. The minimum deposit amount is one thousand rubles or 100 dollars/euro. 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 operates a “Pension Plus” program, the terms of which you can familiarize yourself with on our website.

Those who need the 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 deposit without losing interest income. This deposit is replenished, the deposit agreement is valid from three to thirty-six months. The return on the deposit is 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 dollars/euro. Making this deposit online will allow you to get higher returns.

Earning money from 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 from its clients in British pounds, Swiss francs and Japanese yens. The corresponding “International” deposit can be opened for a period of up to thirty-six months. If the client prefers Swiss or British currency, then the minimum deposit amount will be 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, Swiss franc holders will receive from 0.1 to 2.5 percent, and the yen yield will be 0.3-2.25 percent.