Sberbank Deposit Rates

If you believe the opinions of experts, as well as reviews of numerous customers, Sberbank of Russia is today considered the most reliable domestic financial institution. People are not afraid to conclude credit deals here and safely bring money for storage. A positive fact is also the fact of cooperation with the Deposit Insurance Agency of individuals. This means that in the event of an unforeseen situation, money will be returned to the client. Below, the rates of Sberbank for the most popular deposit programs will be described.

Term deposits without the possibility of replenishment

For those who want to get the maximum income and at the same time does not seek to "bury" their finances for a long time, the "Happy Year" deposit is offered. In the domestic currency, you can conclude a contract for 9, in foreign currency - for 10 and 18 months. The minimum deposit amount in rubles is 150 thousand rubles. In dollars and euros, you can conclude a contract if there is an amount of at least 3 thousand. The annual rate under the agreement in rubles is 9%, in dollars and euro - 2%. You can not replenish your contribution.

The program called "Save" is popular. Everyone has the opportunity to independently choose the duration of the transaction (from 1 month to 3 years). It should be taken into account that there will be no opportunity to replenish the deposit and partially withdraw funds. Interest rates of the Savings Bank depend on the amount of the transaction. You can make out an agreement if there are available funds from 1000 rubles. The rate is 9.07%.

Flexible deposit programs

Sberbank also offers the opportunity to manage its accounts. Deposit rates with the possibility of replenishment and partial withdrawal will be somewhat lower. In the financial institution, there is a deposit program called "Popolnyay". The contract can be issued for a period of 3 months to 3 years. The minimum amount is 1000 rubles or 100 dollars, euro. The maximum rate in the domestic currency is 8.07%, in the foreign currency - 2.01%.

The contribution of "Manage" is very popular among clients of financial institutions. The program allows you to partially withdraw the invested amount without loss of interest. The contract can be concluded for a period of 3 months to 3 years. The minimum amount of the deposit in rubles is 30 thousand, in dollars or euro - 1000. The deposit can be replenished without hindrance. The maximum rate in rubles is 7.31%, in foreign currency - 1.8%

Earnings at exchange rate fluctuations

Everyone knows about the instability of the economic situation in the world today. Sberbank offers to make money in this situation. Rates on deposits that open simultaneously in three currencies are quite attractive. The multicurrency agreement can be concluded for a period of 1 or 2 years. Cash replenishment is possible from 1000 rubles or 100 dollars (euro). To replenish the deposit in a non-cash way, you can for any amount. Partially withdraw money before the expiration of the contract is impossible. Sberbank's rates are 6.88% in rubles, 1.78% in dollars and 0.91% in euros.

The contribution "International" allows you to earn extra money on exchange rates that are not in demand in Russia. The contract can be executed in Japanese yen, Swiss francs, British pounds sterling. The minimum amount for making a deal is 10 thousand. Sberbank rates are 2.7% in pounds sterling, 0.75% in Swiss francs and 1.3% in yen. The contract can be concluded for a period of 1 month to 3 years.

Deposits online

With the development of information technology, there is much more opportunity for clients of financial institutions. Now, in order to issue a deposit, you do not need to go to the bank. In addition, the interest rate in the Savings Bank is proposed slightly higher, if the contract is issued online. So, under the program "Save online" you can get up to 9.52% per year. If you sign a contract "Refill online", you will be able to get up to 8.69%.

The program "Manage online" is very popular. You can conclude a contract for up to 3 years. The minimum amount of the transaction is 30 thousand rubles or 100 dollars (euro). Non-cash replenishment can be made for any amount. Customers can at any time withdraw money from the deposit, pay off the invoice for services. Sberbank's rates for this program are 7.72% per annum in rubles, 2.06% in US dollars and 1.12% in euros.

Contribution "Social"

The program is valid for children who have been left without parental care. The transaction can be concluded only directly in the branches of the Savings Bank. The contract can be concluded by the official representative of the orphan when presenting the act of establishing guardianship.

To understand what income can be obtained under the contract, you can use a special calculator Sberbank. The interest rates are fixed and do not depend on the amount of the contract. The minimum deposit amount is 1 ruble. The rate for this program is 7.77% per annum. The deposit can be replenished without any restrictions and withdraw funds if necessary. Dispose of money the child will be able only after reaching the age of majority. Until then, all operations are performed by an authorized representative.

Deposits for settlements

There are programs in Sberbank that do not allow you to get a good income, but give you the opportunity to manage your own funds conveniently. The program "On Demand" is popular. The contract is made for an unlimited period. The minimum amount of the minimum balance is 10 rubles. But the amount of replenishment is not limited. The customer can use the account at any convenient time. To do this, he is issued an additional plastic card. You can withdraw money without commission at any Sberbank ATM. The rate for the deposit is 0.01% per annum.

The agreement on the deposit "Universal" represents similar conditions. The only difference is that the contract can be concluded for a maximum of 5 years. In addition, there is an opportunity to open an account in dollars and euros. As in the previous case, the annual rate is 0.01%.

Payments of the Deposit Insurance Agency

Sberbank is trusting its customers. Mortgage, the interest rate on deposits, a variety of loan programs - just a small list of the advantages of a financial institution. Investors trust the bank primarily because it cooperates with the Deposit Insurance Agency. Payment of insurance compensation is carried out in the event of force majeure circumstances. Therefore, customers can be sure that savings will be saved.

The participants of the insurance system are such financial institutions as CJSC "Sberinvestbank", Commercial Bank Sofrino, AKB BRR, Vitas Bank, AB Network Oil Bank, OJSC Eurosib Bank and many others.

Summarizing, we can say that Sberbank can become a reliable partner for both individuals and legal entities. And so that there are no negative moments, you should carefully study the terms of the contract before you sign.