Deposit "Happy interest" (Sberbank): reviews of depositors

Sberbank often offers its depositors seasonal projects on deposits. Here and this year the deposit "Happy interest" has appeared. Sberbank, whose reviews are basically only positive, each time offers investors more favorable terms and opens deposits for every taste and purse.

Features

Time passes, but Sberbank of Russia still offers the most profitable deposits. The deposit "Happy interest" can be issued for six months or 9 months. The deposit is opened exclusively in the national currency, and the minimum contribution must be at least 100 thousand rubles. Of course, not everyone has this amount, but the interest on the deposit is very good - up to 10%.

The contribution does not provide for either replenishment or partial withdrawal, which justifies a high rate. But it is possible to prolong the contract at the end of the term provided by the contract on the same terms as that offered by Sberbank. Deposits of individuals "Happy interest" provide for the opening of savings books, which are used to people of the older generation. The term of opening of the deposit is limited, therefore it is necessary for hikers to hurry.

Interest rates

Consider what interest on the deposit is offered by Sberbank. The interest rate on the "Happy interest" deposit will depend directly on the amount of the deposit and the term for which it opens.

Dividends are accrued at the end of the term. There is no capitalization, but with such interest rates and short terms it is not relevant. The accrued profit can be withdrawn by the depositor or transferred to the specified settlement account. If the natural person wants to close the deposit ahead of schedule, the accrued dividends for the actual period will be calculated at the rate "on demand".

Documents and opening of the deposit

In order to open Sberbank of Russia deposit "Happy interest", you must provide the following package of documents:

• The passport of the Russian Federation;
• Application for opening a deposit;
• Individual number of the taxpayer;
• For individuals who are not residents of the Russian Federation, you need to submit a document confirming the legal origin of the funds invested.

At its discretion, the bank may request additional documents. If all the terms of the depositor's deposit suit, then there are several options, how to open the deposit "Happy interest". Sberbank, whose reviews speak of its good reputation, offers either to visit any convenient office, or use the Sberbank-online service.

To open a deposit in a bank office, you need:

• Choose any convenient office.
• Ask the manager to familiarize himself with the other proposals, and also talk in more detail about the "Happy Percent" service (sometimes on the Internet, even on official websites, not all information can be posted).
• If in the conditions of registration of the deposit everything is clear, and there are no additional questions, you can give documents for registration.
• Provide a passport and other identity documents (at the request of the bank).
• Write an application for opening a deposit.
• Read the terms of the contract and sign it.
• Make money.
• Wait for the profit.

If the depositor has any Sberbank card, then you can try to remotely open the "Happy interest" deposit. Sberbank, whose reviews it is better to read before the transaction, offers to use Internet banking Sberbank-online. There is nothing complicated, just follow the prompts of the service itself. It's enough just to go to the "Deposits and accounts" tab and after a few clicks of the buttons to deposit the required amount into the account.

Insurance

In Sberbank, as in any other financial institution, there is a deposit insurance system. Thanks to it, the bank can reimburse the entire amount deposited in case of force majeure circumstances. According to the rules, a financial institution can not pay more than 700 thousand rubles at a time. But those investors who have more deposits on deposits need not worry. Simply cash is paid in installments.

Thanks to the deposit insurance service , you can also insure the "Happy interest" deposit (Sberbank). Reviews on this contribution can be read on the official website of the bank, as well as on third-party resources. The most interesting thing is that you do not have to pay for deposit insurance. The bank itself pays for this service. In case of bankruptcy, withdrawal of a license or a moratorium on further work, the organization must pay up to 100% of the invested funds. In addition, this and other contributions of Sberbank can be transferred by inheritance.

In essence, deposits are one of the components of the existence of banks. The money that investors leave in the bank, the financial organization puts into circulation. Accordingly, for this interest is paid. And the higher the deposit amount, the higher the interest rate on the deposit. That is why both Sberbank and other banks take care of the security of deposits.

Reviews

According to the depositors of Sberbank, the deposit "Happy interest" turned out to be very profitable and profitable. Despite the fact that the minimum contribution is 100 thousand rubles (not everyone has this amount, especially for the deposit), many decided to open a deposit with such terms. If you look at it objectively, then a decent contribution and a percentage will be charged decent. Thanks to the appearance of such a contribution, the bank's customers note that their money brings real income. In addition, there is no need to worry about the safety of your savings, because Sberbank has already thought about everything.