How to open a retirement account with Sberbank? We will examine in more detail in this matter. Today, there are special programs in this financial institution that allow pensioners to place their cash savings in deposit accounts profitably.
Pension deposits in 2018 may differ among themselves in interest rates, the possibility of replenishment of accounts or partial withdrawal of funds from them, as well as the duration of deposit agreements.
Today, pensioners are one of the most attractive customer categories for most banking organizations. These people are reliable and disciplined in terms of fulfilling their obligations to banks. Therefore, today throughout Russia there are many programs designed specifically for this category of citizens.
So, we will learn how to open a retirement account with Sberbank.
What is this offer?
The difference between deposits for people of retirement age from other accounts is that these investments allow you to get higher returns on annual interest on normal terms. The minimum amount of such a deposit is from 1 thousand rubles.
In addition, Sberbank offers even more favorable conditions for the second and third agreements, with higher interest rates, and their size does not depend on how much has been deposited into the account.
Clients (pensioners) have the opportunity right on the spot - in any branch of Sberbank - to issue a special power of attorney to receive their money, as well as a testament order, based on which their close relatives or friends can use this money. In fact, such a will can simplify access to a pensioner's money if he dies. Such a document should be addressed to a legal entity or individual, and it is drawn up directly in the department, without involving notaries.
Varieties of retirement accounts at Sberbank
Sberbank offers people of retirement age several deposit programs at once. Of these, a citizen can choose the one that will suit his goals and bring benefits. A pensioner can open any deposit online through the Internet, or directly in the office. Consider the most popular retirement accounts at Sberbank. There is also the so-called “Savings Certificate”, which is a kind of security that implies the highest profit, with an interest rate of 8.5%.
The Pension Plus account of Sberbank is a preferential program when money comes to a Social card issued by a pensioner. In this case, the savings of such a citizen annually increase by 3.5%.
The “Save” program is ideally suited for cash investments in small amounts, where the profit is from 3.8% to 5.0%. “Replenish” - the program of Sberbank to replenish the account with the capitalization of interest funds up to 4.5% per year. “Manage” - a deposit, the minimum amount of which should be at least 30 thousand rubles, at an interest rate of 4.2% per year.
Interest rates for pensioners at Sberbank of Russia
Interest rates set by Sberbank may fluctuate. Unlike the conditions for other individuals, the rate for deposits of pensioners does not depend on the amount of cash deposit.At the same time, very favorable rates are offered if the amount of money is from 1 thousand rubles, or $ 100 if the pensioner wishes to open a deposit in foreign currency.
It should be noted that the highest will be the profit on investments opened with the help of the Sberbank-Online system. Through the Internet, in addition to making a deposit, you can also deposit funds, replenish the balance, or withdraw certain amounts from the account.
Deposits at Sberbank for pensioners in 2018
This year, pensioners are offered several new products of the bank to place their money. First of all, this applies to savings certificates, which bring the highest profit to citizens who have opened a pension contribution to Sberbank.
These securities have the highest state guarantees, and their acquisition can be a very profitable undertaking. And Sberbank's pension savings accounts “Pension”, “Save” and “Replenish” can also be a big advantage.
Contribution for pensioners “Pension Plus”
The terms of the Pension Plus account at Sberbank are simple and straightforward.
According to this program, a social card is issued to a pensioner, on which pension funds are accrued. The pensioner can dispose of this money absolutely freely. The main feature of this program is that the accrual of profit occurs at an interest rate of 3.5% per year, which is added to the main part of the investment. In addition, annual interest is capitalized at 3.7% per annum. The pensioner receives profit from the amount that has been in his account for more than 90 days.
As an alternative to the pension contribution, you can apply for a pension card - “Maestro-social”. It also provides for the accrual of 3.5% per annum with the possibility of capitalization. But most still prefer to use the usual passbooks. But it’s easier for young pensioners to draw up a card so that each time they do not need to contact the bank office to withdraw funds.
It is also acceptable to open a card and a pension contribution. They can be interconnected, which is convenient for quarterly transfer of interest from the deposit.
In addition, if dosed use of funds from a pension contribution is required when the size of the pension payment is substantial enough, software products are set up so that a fixed amount is transferred from the deposit to the card every month.
“Save”
This program offers a very profitable deposit. Its conditions are that the pensioner receives the maximum income regardless of the investments that are credited to his account. Deposit term - from three months. Interest is paid monthly or at the end of the deposit term, taking into account the desire of the citizen who is the owner of this investment. Interest rate - 3.8-5.0%. What else can I open a retirement account with Sberbank?
Save Online
This program has even more favorable conditions, according to which the deposit is opened via the Internet, interest rates are 5.5%. The process of filling out this investment takes only a few minutes, and a pensioner can close it at any nearby bank branch.
Deposit "Replenish"
This account allows the pensioner to replenish their cash balance at any time. As a rule, interest rates on such deposits are slightly lower than on the “Save” deposit. However, here pensioners can count on a certain advantage - the size of the profit will be maximum for any amount of investment, and the down payment is 1 thousand rubles. The interest on the retirement account with Sberbank ranges from 3.7 to 4.5%.