Sberbank savings certificate interest year calculator. Bearer savings certificate at a savings bank. Savings certificates of Sberbank: conditions

If you are looking for new financial instruments for investing money, then you will be interested to know what a savings certificate of Sberbank is, what interest in 2019 you can get on it. Consider what are the advantages of this kind of investment in securities and their differences from a term deposit placed with the Savings Bank of the Russian Federation.

Alfa-Bank: Super offer! Credit card "100 days without%" from Alfa-Bank!

Card issue free of charge
+ Credit limit up to RUB 300,000
+100 days without% on a loan for purchases and cash withdrawals
+ 0% on a loan for a transfer and for any purchases within 100 days
+ 0% commission for cash withdrawals
+ The interest-free period starts with the first purchase, cash withdrawal or other card transaction. >> Full conditions on the card

What is a Savings Certificate

Some Russian banks along with the traditional ways of storing and increasing the free money of the population in the form of deposits or deposits, they offer individuals a fairly new banking product- investments in securities issued in the form of certificates. One of the few banks providing savings certificates is Sberbank of Russia.

Sbercertificates for individuals are a kind of certificates of deposit issued by Sberbank, which are either registered or to bearer, issued in rubles and, as a rule, for a long period (from one year or more).

Important! The minimum investment amount is 10 thousand rubles. Interest is paid at the end of the term, and in case of early presentation for payment - at the demand rate. Prolongation is not possible.

In our country, certificates of deposit confirming the amount paid to the bank, and the owner's rights to them are issued only to the address legal entities.

A savings certificate from Sberbank for citizens is, in fact, an analogue of a term deposit, which, like a deposit, has a face value, meets the conditions of urgency and repayment of funds and serves primarily to generate income in the form of interest on investments. At the same time, the bank does not open a deposit account.

You can buy this security directly from the bank that issued it by depositing cash, or cashless way... An internal Russian passport is required to purchase.

Advantages and disadvantages

So what are the pros and cons of savings certificates? Savings bank Russia issues securities only to bearer and only in the currency of the Russian Federation.

A personal savings certificate is not provided, and this can be considered a plus, since if necessary, you can simply transfer it to another person as payment or give it to relatives and friends. Using it as a birthday present is a good idea, isn't it?

And if you did not plan to transfer it to another person, then for security reasons you can store this document in Sberbank for free, without fear that it will be stolen or you will lose it. And this is also a plus.

It must be taken into account that if this financial document falls into the wrong hands, the person who possessed it, until the loss is discovered, without any problems and questions from the outside credit institution may cash out by presenting for payment, without your consent.

Here's what to do if this happens. If the savings certificate is lost, you will need to immediately contact any branch of the Security Council of the Russian Federation and notify about the incident. Then write an application to the court to restore your rights to it. The issuance of funds or the restoration of the document-basis is carried out by the credit institution only after receiving a court decision.

Photo of bearer security

Higher interest rate and risks

This security can be purchased by both citizens of the Russian Federation and non-residents, a pensioner or a minor aged 14-18 years.

The disadvantages include the fact that it is possible to purchase a bearer Sberbank certificate and redeem it upon the expiration of the placement period of funds only in certain structural divisions of the Security Council on the territory of the Russian Federation.

Buy a savings certificate online using the Sberbank official website or mobile app, the client also cannot, since this is a documentary security and any transactions with it are carried out in a credit institution in the personal presence of the client.

Today, the interest rate on savings certificates is higher than the rates on term deposits... This is a plus, and a minus is that this security is not subject to in accordance with the law compulsory insurance at the Deposit Insurance Agency (DIA). But the opportunity to receive an increased fixed income with high reliability of the Savings Bank covers the emerging risk of revoking its license.

When investing money at an increased interest rate, the client must take into account the fact that if the license is revoked from a credit institution, it will be impossible to receive their investments through the DIA.

If the income from placing funds in this security exceeds the key rate of the Central Bank by 5 points, then tax will be charged on it. But now the conditions for attracting money to savings certificates of Sberbank are much lower, and the income received from these operations is not taxed.

Advice! Use the calculator on the Sberbank websiteto calculate the expected interest on the investment in the savings certificate for 2016-2019.

How to buy

Savings certificates as a way of saving are becoming more and more popular among the population. The person who buys it must at an elementary level be legally and economically literate in order to be able to understand the terms and conditions.

To purchase you need:

• Choose the branch of Sberbank closest to you, in which transactions with these securities are carried out. It is convenient to do this on its official website;
• Decide how much you are willing to invest, for how long and how many securities you need. The latter is relevant when you plan to donate or transfer part of the funds to another person;
• When visiting the branch of your choice, present your passport and pay in cash or by wire transfer from your account the cost of the savings certificate;
• Pick up the issued document or leave it in the bank for safekeeping. You can ask the employee for a sample of filling out the financial document to make sure that all the necessary details are filled in correctly.

There are many different tools for retirees to save labor savings. In 2016, most often these instruments are deposits and deposits. But more and more people are offered such a way to save money as a savings certificate under favorable interest... Moreover, Sberbank is the most active in promoting this instrument.

What it is?

Savings certificate Is a security. This security indicates the amount of money deposited by its owner into the bank, as well as the period after which the owner of the paper will receive his money and interest. All these funds must be received from the bank that issued this certificate.

There are two types of certificates:

• registered;
• to bearer.

In this case, the last type of this security is considered. It can be transferred by its primary owner to another person, and at the appointed time the bank will be obliged to pay all cash, laid on the certificate, to its bearer.

Interest

According to Sberbank, the interest on the certificate is higher than the interest on a regular deposit.

The table shows these percentages.

Indeed, if we compare these rates with the interest given by Sberbank on the very high contribution "Save", it turns out that, for example, for fairly common deposit amounts from 100,000 rubles to 2 million rubles, this contribution can bring a profit of 6.05-6.4% per annum for 3 months and 6.65-7% for 3 years.

A savings certificate with the same investments gives, respectively, 6.95-7.75% per annum for a period of 3 months and 7.95-8.75% per annum with an investment period of 3 years.

With investments over 2 million rubles, the interest on the deposit does not increase, while the interest on the savings certificate increases and with 100 million rubles it reaches 10% per annum.

Thus, from the point of view of making a profit, investing in this valuable document has advantages over a deposit for relatively large amounts.

It should be noted that the increased percentage of profit on the certificate is due to the fact that the funds invested in it are not subject to deposit insurance. Therefore, when the license is revoked from the bank, no insurance payment is required.

Considering that the probability of revoking a license from the base bank of the Russian Federation, which is Sberbank, is almost zero, it can be assumed that the insurance of the DIA system in this case does not play a special role.

However, there are other banks that issue these securities. And in such cases, before buying them, it is important to weigh all the circumstances and the reliability of the bank.

Advantages

The main advantages of Sberbank savings certificates are:

1. High interest rates.
2. Security mobility.
3. Lack of personal income tax.

The mobility of the certificate lies in the fact that it can be transferred to another person without drawing up any documents.

Thanks to this quality, the certificate is convenient for elderly pensioners.

For such persons, in the presence of a savings certificate, there is no need to draw up any will. It is enough to hand it over to his heirs.

In addition, such a certificate can be presented, for example, for a wedding or coming of age. This security can be used when obtaining a loan or in real estate transactions.

disadvantages

Savings certificates have the following disadvantages:

• lack of deposit insurance;
• a complex system for restoring rights for a lost certificate;
• storage complexity;
• lack of opportunity additional contributions, partial withdrawal of money without loss of interest, prolongation.

It is possible to restore your rights to a stolen or lost certificate only through the courts. At the same time, there is a certain procedure that takes quite a long time. At the same time, it is quite difficult for the secondary owner to prove their rights to the certificate.

The certificate is plain paper with security. However, this paper can be stolen, lost or damaged.

For its safety, the bank offers free storage. But in this case, the certificate will no longer be so mobile, and, in addition, the heirs of the deceased pensioner will be able to receive it only after entering into inheritance rights.

If necessary partial withdrawal you have to cash out the certificate ahead of schedule. In this case, you can get only 0.01%. The absence of automatic renewal requires re-registration, otherwise the money will not be charged interest.

conclusions

1. To keep savings, retirees can use a savings certificate, the interest on which is higher than the interest on the deposit.
2. Since it is issued to bearer, it can be passed on to your heirs without a will, used as a tool for obtaining a loan or real estate transactions.
3. The disadvantage is the lack of insurance, difficulties in storage, restoration of rights, partial withdrawal of funds.

Sberbank savings certificate for retirees in 2016, what is the interest?

Sberbank offers clients different ways savings and augmentation of funds. In addition to standard deposits, this accumulative insurance life, brokerage and savings certificate of Sberbank. The latter is a type of security that combines the features of a corporate bond and a deposit. On it, you can get interest much higher than on a deposit.

Features of Sberbank certificates

At its core, a savings certificate is a security issued by a bank; it certifies the holder's right to receive certain payments from the bank. The amount depends on key conditions certificate:

• par value;
• accrued interest;
• duration of action.

So, if a certificate with a face value of 100 thousand rubles is issued for 3 years at 8.5% per annum, then as a result the holder will receive 125 514 rubles in his hands.

External description and sample

We invite you to familiarize yourself with appearance Sberbank security in which you plan to invest your money. On home page information is filled in about when the deposit was opened, what amount was invested, the expiration date of the certificate and the interest rate that will be retained throughout the entire duration of this placement of funds.

Pay attention to the downside. It contains several points of the rules for dealing with a security.

Interest accrual

The key advantage of the certificate is that the interest on it is fixed. If you buy a security during the greatest bank rates and for a long period (up to 3 years), you can get quite large payments, while the cost of deposits for the same period will fall.

At the moment, the interest accrued on the savings certificate of Sberbank looks like this:

As you can see, in order to receive interest, it makes little sense to purchase savings certificates for an amount of less than 50 thousand rubles, since they provide a minimum annual rate... The most attractive are certificates from 1 million rubles - they offer interest higher than on deposits.

Certificates, as opposed to bank deposits, are not insured by the DIA, and when the bank's license is revoked, they “burn out”.

However, in the case of Sberbank, it is rather difficult to imagine a situation with a loss of a license or bankruptcy, so that Sberbank's certificates can be considered extremely reliable. What else do you need to know about a certificate?

additional characteristics

In addition to the conditions for calculating interest, a savings certificate has a number of characteristics that you should pay attention to before purchasing it. So, other parameters of the Sberbank savings certificate:

• the minimum investment amount is 10 thousand rubles, the recommended amount is 50 thousand rubles;
• certificate validity period - from 3 months to 3 years;
• partial withdrawal, replenishment and renewal are not carried out, if it is necessary to increase the amount invested in savings certificates, then you just have to buy additional securities;
• interest accrual - once, at the end of the term, capitalization is not provided.

In case of redemption before the expiration date (i.e. selling the certificate back to Sberbank), the payment is made in accordance with the duration of the paper holding at the rate of 0.01% per year.

Terms of purchase of a security in 2018

When choosing a way to place free money for their further accumulation and increase, you should stop at the option where the yield on the deposit is higher. What should individuals be ready for when they decide to issue a savings certificate in 2018, and how is the procedure for investing in a security.

Requirements for individuals

It is possible for any adult citizen of Russia to purchase a savings certificate from Sberbank, even if he does not have a bank account. He can also give the paper to any other person, including a minor. With the Sberbank certificate, such actions are allowed as:

• donation;
• sale;
• transfer for payment of debt;
• pledge;
• inheritance, etc.

The owner of the certificate can dispose of it as he pleases. Payments are made to the bearer, so any third party can receive the money. In fact, a certificate is a type of security and has a value in itself.

To "cash out" the certificate, it is enough to present only it and the passport, no other additional documents will not need. After the maturity date of the paper has expired, you can receive payments on it at any time, restrictions do not apply here. However, with early repayment accrued minimum rate at 0.01% per annum.

What actions need to be taken to invest money in a Sberbank certificate?

Algorithm of registration

The algorithm for issuing a savings certificate of Sberbank is as follows:

• you need to contact the branch of the bank providing the service (as a rule, you can make a purchase only at central offices subdivisions) together with a passport;
• tell the specialist the required number of purchased securities, their cost and validity period;
• pay for the certificate in cash or using an existing Sberbank current account;
• get the paper in your hands.

You cannot purchase a savings certificate online from Sberbank.

If the certificate is lost or damaged, then it can be restored through the court, knowing its details and the data of the first owner. However, if no information has been preserved in the certificate, then it will not be possible to restore it.

Advantages and disadvantages of investing

Like any deposit, a savings certificate has a number of advantages and disadvantages. When registering it, a bank specialist will advise you. But it is better to come to a meeting with a trained specialist and understand what to talk about.

pros

The advantages of a savings certificate issued by Sberbank are obvious:

• higher interest rates than for ordinary deposits;
• the ability to "fix" the interest rate for up to 3 years;
• ease of registration, storage and cashing;
• can be used as a calculation tool;
• there are no problems with the transfer of rights to the certificate to third parties - it can be sold, donated, pledged, etc.

Another indisputable advantage of the Sberbank savings certificate of 2018 is reliability. Despite the fact that these securities are not accounted for in the deposit insurance system, it is difficult to imagine a situation in which Sberbank will not be able to fulfill its obligations. The reliability of certificates from other banks is questionable, but not in the case of Sberbank.

Minuses

But the disadvantages of certificates should also be noted:

• impossibility of prolongation and partial withdrawal of funds;
• in case of early cashing, the accumulated income is essentially lost;
• a large entry threshold - in order for the certificate to really make a profit, it is necessary to invest at least 50 thousand rubles in its purchase;
• if the paper is lost or damaged, it is difficult to recover the ownership.

The certificate can be trite to be stolen and exchanged for money until the owner finds out that it is missing. So keep it better at home in a safe or in a bank.

Calculator

Conclusion

In general, the savings certificate of Sberbank is convenient to use for storage large sums in order to generate more income than deposits. The rate for the certificates is higher, since they are not insured by the DIA. However, Sberbank is the most reliable bank, and it is difficult to imagine that it will lose its license. Any person can buy a savings certificate, and after that he can dispose of the security at his own discretion: sell, give or hold until the expiration date.

Today, many citizens, and especially pensioners, are concerned about how to preserve their savings and get at least small profit... Savings bank certificate is such an opportunity. A savings certificate should be understood as a security that guarantees the holder a return on the invested savings.

If there is a certificate, at the end of the validity period of the paper, the holder will be able to visit the branch financial institution and take the paid amount of money together with the profit. This material will provide complete information about savings certificates of Sberbank of Russia, including conclusions about the profitability of buying such securities.

In fact, a savings certificate from Sberbank should be understood as a special document that is issued to citizens who want to transfer their savings for temporary storage, but do not refuse to open a deposit.

Externally, the form has the size A5 and special protection in the form of several stickers, watermarks. The certificate is provided with a special protective strip a silvery shade, which excludes document forgery. A document is not an equivalent of monetary expression - it is a kind of warranty card that is used for the subsequent return of the investment. An additional advantage is the accrual of an interest rate on the investment amount, which can reach 8.8% per annum. It often happens that bank clients confuse a savings certificate with a deposit. This opinion is erroneous, because, despite a large number of There are also a lot of similar differences and there are very significant ones.

What can you do with a savings certificate?

A valuable document has a number of properties that make it possible to use it in a certain way. In particular, we are talking about such moments:

• the savings certificate is not subject to taxation and is not insured, therefore no additional payments the client does not have to do;
• money under the document can be obtained from Sberbank located in the Russian Federation;
• bearer document can be inherited and transferred to other people;
• when the savings certificate is in the possession of the holder, it is impossible to seize, confiscate and perform other actions for alienation, if the owner has time to give it to another person.

On a note! If the Central Bank is lost or damaged, the user will be able to present the rights to the savings certificate only at a court hearing.

How to get a savings certificate at Sberbank?

It is important to note that you cannot issue a savings certificate. I'll have to buy it. In the Russian Federation today, there is a possibility of acquiring a document for legal entities, only a security is called a certificate of deposit. For many, it is important to know how to buy and how much such paper costs.

The purchase procedure is very simple, and it is enough to proceed in the following order:

1. Choose a branch of Sberbank, where they provide similar services.
2. When visiting a bank, you need to prepare a passport and decide on the conditions for issuing a certificate.
3. Tell the employee the amount for which you plan to purchase a savings certificate and the period for opening the document. This will allow the employee to calculate the percentage.
4. Transfer payment for the purchase through the bank's cash desk and receive the document at your personal disposal.

The received certificate can be stored at home or in the bank, after the conclusion of the storage agreement. Usually, people place paper at home.

Requirements

There are no significant requirements for clients in Sberbank. It is necessary for the visitor to present a civil passport and have enough money with him to pay for the purchased certificate.

The documents

As already noted, a passport is required to purchase a certificate. This is required in order to issue a savings certificate. Nothing else is required.

Interest for individuals and pensioners

In 2019, according to a savings certificate from Sberbank, interest for pensioners and ordinary citizens is set taking into account two indicators:

• investment volume, in rubles;
• period of validity of the savings certificate.

According to the rules, it is allowed to open the form for a period of 3 to 36 months, and at the end of the period, return the paper to the Security Council and open a new one.

Attention! You cannot extend the savings certificate, since you can only buy a new document.

There are no differences between the elderly and the rest of the Russians. Everyone has the right to buy a savings certificate on a general basis. Moreover, the interest rates will be as follows:

Based on the table, the minimum investment amount is 10 thousand rubles, and the maximum is unlimited. The purchased certificate must remain unchanged. That is, it cannot be replenished and interest withdrawn.

Interest calculator 2019

Today, customers are given the opportunity to independently determine the interest on the savings certificate of Sberbank. An online calculator can help with this - a unique application that allows you to automatically calculate the rate that will be set on the deposit, taking into account the amount of the invested amount.

The application is standard and works on the principle of similar services. It will be enough for the client to indicate the necessary information and click on the calculation panel. As a result, information about the interest on the loan will appear on the screen of the electronic device.

Attention! The calculation process will take several minutes, and the resulting indicator will allow you to understand how profitable the proposed investment option is.

Additional information on the topic of the note is presented in the video:

Where and how can you cash out

Users often ask questions about whether it is possible to cash out a Sberbank savings certificate for individuals in 2019 and what needs to be done. There is no problem here, because a savings certificate is needed for this very purpose, but it is important to take into account some of the nuances and conditions for receiving money:

1. You can exchange the certificate for money at any time, but the interest rate will be reduced if this happens before the end of the validity period of the form. New rate will amount to only 0.01%.
2. To receive funds, you need to visit a bank where such services are provided, and present, in addition to the document itself, a passport.

In the section on the conditions and procedure for cashing the certificate, it is indicated that no binding to the place of residence and purchase of a security is carried out.

Attention! A savings certificate is not shared between divorced spouses, but can be recovered as property when the user's accounts are seized by the bailiffs.

Upon receipt of the bearer form, any person can use it, which is very dangerous in case of loss valuable document... The document is allowed to cash out only to the citizen to whom it was issued.

Is it possible to withdraw dividends ahead of schedule

People acquire savings certificates in order to preserve their savings and increase them. It is high interest rates and the absence of strict requirements that make this product very attractive. On the other hand, it is impossible to withdraw money early from the certificate without losses. The procedure of cashing the certificate itself is not prohibited, but the interest will be recalculated to 0.01%, instead of 8.8%.

Savings certificates of Sberbank of Russia pros and cons

In addition to the high interest on savings certificates Sberbank in 2019, as positive sides This option for investing money can be called:

• ensuring the safety of savings + additional profit;
• no need to withdraw funds exactly at the time specified by the banking institution;
• the document can be drawn up to bearer, which is convenient when transferring inheritance or other savings;
• the degree of protection of the document is very high, which almost completely excludes forgery.

The savings certificate also has drawbacks. Clients who have already invested in these securities note the following disadvantages:

1. It is even impossible to withdraw money in part, and with full, early cashing out, there is a loss of funds.
2. It is impossible to roll over the document.
3. There is no interest capitalization.
4. No insurance required.

The biggest disadvantage of a valuable bearer savings certificate from Sberbank of Russia is that, in case of loss, any person can use the right to cash out.

Conclusion

Today in the Russian Federation one of the most reliable ways to keep money in a bank is to buy savings. certificate. The procedure is quite simple and requires only contacting the bank and buying a security. Otherwise, the certificate is similar to a regular deposit, but has a number of features.

Sberbank's savings certificate calculates interest in 2019 only on previously issued copies. In 2018, the range ranged from 4.35 to 7.1%, however, the security itself has ceased to be issued since July by virtue of the law. Is it possible to buy a certificate now, how to cash it out and what interest rate will be in effect at the time of redemption?

Sberbank savings certificate - what is it

A bearer savings certificate is a valuable non-registered paper (it does not matter who will use it). On the one hand, it confirms that funds have been deposited into the bank account, on the other hand, it gives the owner of the paper the right to receive this money.

In simple words - if you have a Sberbank bearer certificate in your hands, you can exchange it for money by contacting a bank branch with a passport.

Since July 2019, Sberbank does not sell bearer savings certificates and does not accept them for safekeeping. Only redemption and withdrawal of cash for securities in circulation is available.

What a bearer certificate looks like

In Sberbank on a security in mandatory present:

• Denomination - the amount "assigned" to it;
• Interest rate and term for which the money is deposited;
• The amount of interest payable on the maturity date;
• Details of the department where the deposit was made out;
• Series and "live" seal of the bank.

The form of the certificate itself is printed in the printing house of the State Sign and has state protection against counterfeiting.

A bearer security consists of two parts: a "body" and a spine (separated by a dotted line), the latter is handed over to the owner upon redemption, the main part remains in the bank, confirming the fact of withdrawing the money.

According to the rules, blots and amendments are not allowed when filling out a non-registered certificate - in this case, the bank may not accept the paper for redemption and the rights on it will have to be restored through the court, if the internal examination does not confirm the authenticity:

To transfer the rights to a security, it is enough to hand over the form to the future owner. According to the law, it is not necessary to formalize additional agreements (donation, assignment of rights, etc.) on non-nominal certificates.

Cash rules tightened sharply in 2018 money turnover... Banks acquired the right, when issuing large amounts of cash from a deposit, to demand documents confirming the origin of money. If you buy a certificate from your hands or you are presented with it - ask to draw up a contract - this will facilitate the withdrawal of money from the account.

Savings certificates for individuals were issued only in rubles, and money can be received in cash at the cash desk or by wire transfer to an account.

How to use non-registered security

If you still have a certificate of issue of 2018 (or earlier) in your hands, there are a lot of ways to use it:

• Give as a gift - any individual will be able to withdraw money from branches of Sberbank (it is better to accompany with a donation agreement if the amount is large).
• Pay - often the form is used as a method of payments for goods and services.

Please note that the Central Bank's indication directly prohibits such transactions. Moreover, if you are offered payment with a security - think about it! Such a transaction will be illegal, and the owner will be able to claim the certificate back through the court.

• Pledge when applying for a loan or mortgage;
• Bequeath - in this case, it is better to leave the forms for safekeeping: for example, remove safe deposit box... Include all the information on the certificate in the will - this will make it easier for the heir to withdraw money.
• Borrow by issuing a loan agreement or receipt.
• Selling is the easiest way to cash out the money invested while retaining some of the interest income.

Disadvantages and risks of savings certificates

The issuance and registration of non-registered securities was not in vain prohibited at the legislative level. This financial instrument was actively used to legalize income and created considerable risks for economic stability.

For bona fide individuals, it was convenient way get a rate higher than the deposit and make an original gift.

If you still have a bearer certificate in your hands, remember its main disadvantages:

• Vulnerability - theft, loss, or loss - is a big nuisance. the rights will have to be restored through the courts. The maximum that you can do is to promptly write an application to the bank and restrict access to money, but you cannot withdraw it yourself without a certificate. Today, Sberbank has stopped accepting forms for storage.
• Lack of insurance - the money attached to the certificate is not subject to insurance according to the rules of the DIA (it was this fact that gave them an increased profitability compared to the deposit);
• Tough conditions - early withdrawal of funds will zero your interest, and the absence of renewal makes the extension of the certificate's "life" meaningless.

Savings bank certificate: interest 2018 - 2019

At Sberbank, the profitability for individuals changed quite often - two or three times a year, following key rate Central Bank.

To date, the interest on savings certificates for the current year has been revised twice:

Before April 2018:

The denominations were always the same and it was possible to choose not a "round", but a fractional amount, for example, 12,500 rubles.

Savings certificates in circulation have all the signs of a "hard" deposit:

• Not renewed (not prolonged). If the amount is not requested, the interest is no longer charged.
• Income is accrued and paid only on the maturity date (no capitalization).
• The interest rate is fixed and does not change during the entire period.
• You cannot top up.
• Early reclamation deprives the "contribution" of meaning - the profit is recalculated at the rate "On demand" for individuals (0.01%).

The profit directly depended on the duration of the placement and the face value. At the same time, for a period from six months to 3 years, the profitability in 2019 was exactly the same, and in order to get more or less high percent, the entry threshold started from 50 thousand rubles.

For pensioners, the interest on savings certificates of Sberbank did not differ from the basic ones.

Most high rates were appointed on certificates in the past three years, compare:

Percentages 2014-2015:

With rates like this now financial and credit institutions I cannot compete, but it is realistic to choose a deposit at the level of interest in the 2019 savings certificate.

How to find out the profitability of a savings certificate

You can find out what percentage is valid for your certificate in at least three ways:

• Take a look at the front side of the received sample - the form reflects all the important financial information(face value, yield, amount of interest due, maturity);
• If you issued the certificate yourself, go to Sberbank online through the Other menu item:

Customers who have signed a Banking Service Agreement receive full access to all accounts remotely.

• You can find out the yield on certificates of early issues (starting from 2010) in the archive of Sberbank interest rates: sberbank.ru/ru/person/contributions/archive

Sberbank profitability calculator

There is no special service for calculating income on savings certificates for individuals - and it is not needed.

A regular calculator will help you, the formula for calculating percentages is simple, because the rate is fixed for the entire period: amount * percentage / 100 is the income for the year, and then divide it or multiply by the number of periods, so 180 - days is 0.5 (half of the annual return).

That is, for an amount of 100 thousand rubles, for a period of six months, the income will be as follows: 100,000 * 0.052 * 0.5 = 2600 rubles.

How to Buy a Savings Certificate in 2019

Previously, individuals who had reached the age of 14 could apply for a certificate. But now the issuer has stopped selling securities, so it can only be bought informally - from another individual, by paying the face value and part of the interest income.

In this case, you assume all risks:

• The form may be fake;
• The seller can challenge the transaction and claim the security. If the case goes to court, each of the parties will have to prove the good faith of their actions and the facts to which they refer.

Certificates issued in 2014 and 2015 will be beneficial for the purchase, when the interest for the nominal value from 50 thousand to 1 million for a period of 3 years ranged from 11.25%.

There is no point in acquiring the rest - interest rates on Sberbank deposits are much more attractive today.

How to withdraw money from a Sberbank savings certificate

It is enough to contact the branch of the bank that deals with securities, present a passport and a form. If the amount is more than 100 thousand rubles, it is better to order money in advance - 3-5 days in advance, so as not to get into this situation:

Persons under the age of 18 can withdraw money in exchange for a certificate without the permission of guardians or trustees, only if they purchased it at their own expense.

Conclusion

In 2019, the interest on savings certificates of Sberbank for individuals slightly exceeded the rates on deposits. However, since July, securities are no longer issued and are not accepted for storage. You can repay and withdraw money from a bearer certificate with a passport, having specified in advance which branch it is better to contact.