The most reliable and reputable bank in the Russian Federation is rightfully considered to be Sberbank. The types of deposits that he offers to his clients are quite numerous. People who wish to deposit money in an interest-bearing account can choose suitable conditions and interest rates. Each contribution is beneficial in its own way. However, it is worth listing all the tariffs that are popular and telling about their advantages.
“Save”
This is the name of the first tariff that Sberbank offers its customers. Types of deposits have their own characteristics that distinguish them from others. In this case, the "highlight" is the maximum available conditions. “Save” deposit can be opened by anyone. The minimum amount for a deposit is 1,000 rubles. If you want to open an account in dollars or euros, you have to replenish it with 100 $ / €. Otherwise, the conditions are as follows:
- Interest rate - from 4.6% to 6.49% per annum (for ruble deposits).
- The deposit is not replenished.
- Partial withdrawals are not possible.
- Deposit term - from 30 days to 3 years.
So what is the profit? She might be nice. It is more profitable to invest large amounts. With 100,000 rubles, for example, for a year a person will receive about 6,060 rubles as a percentage. And if you invest 500 000 rubles and issue interest capitalization (adding the accrued interest to the main deposit amount), then in a year a person will receive his half a million back and about 31,100 rubles of profit.
"Replenish"
This is another popular tariff that Sberbank offers. Types of deposits often have similarities. And “Replenish” is somewhat similar to “Save”. They have the same minimum amount (1,000 rubles) and partial withdrawals are not available. But here are the differences:
- Replenishment of deposit is available.
- An account is opened for a period of 3 months to 3 years.
- The rate varies from 5.22% to 6.23% per annum.
Suppose a person decided to draw up this contribution. He invested the same 500,000 rubles a year and replenished the account every month with 20,000 rubles. For 365 days, he will accumulate 240,000 rubles of additional contributions and at least 36,000 rubles as interest. In the case of this amount, the rate will be 5.85% per annum.
“Manage”
This is the name of another popular tariff that Sberbank offers. The types of deposits mentioned above are more profitable in terms of interest, but in the case of “Manage” there is a certain advantage. So, here are the conditions:
- The rate varies from 4.35% to 5.77% per annum for ruble deposits.
- Duration - from 3 months to 3 years.
- Deposit can be replenished.
- Partial withdrawals available.
- The minimum amount is 30,000 rubles. She is the minimum balance in the account.
This means that a person can replenish the deposit and withdraw from it the amount in any amount, but 30 thousand rubles must remain in the account until the deposit is closed. For example, a person invested 500,000 p. Each month, he replenishes the account with another 15,000 rubles and withdraws 5,000 each. As a result, in a year he will receive approximately 646,200 rubles, of which 26,190 rubles. - this is interest.
"Gift a life"
The tariff with such a significant name also offers its customers Sberbank of Russia. The types of deposits listed above do not have the feature that distinguishes it. You can understand it by looking at the conditions:
- The interest rate is 6.45% per annum.
- An account is opened only in rubles.
- The term of the contract is one year.
- Replenishment is not possible.
- Partial withdrawal is not provided.
- The minimum investment is 10,000 rubles.
- Every three months, Sberbank transfers 0.3% per annum of the contribution to a charity fund called Give Life, which helps children with hematological, oncological and other serious illnesses.
As one could understand, the key feature is in the last paragraph.And, what pleases, this tariff is popular. What about the benefits? Having invested 500,000 rubles, a person in a year will receive this amount and an additional 32,200 rubles. as interest payments.
"Social"
Talking about the types of deposits in Sberbank for individuals, you can not ignore this tariff. He is very specific. This tariff was created specifically for children who, due to adverse circumstances, were left without parental care. It opens in the name of an orphan. But not by himself, but by those who are his legal representative. Accordingly, the person involved in the process will need to provide an act of the authority of trusteeship and guardianship. He will confirm that the indifferent is indeed the legal guardian of the child. Now about what the bank offers:
- The rate is 5.3% per annum.
- The deposit is opened only in rubles.
- Replenishment is possible.
- Partial withdrawal is provided.
- The minimum amount is one ruble.
- The maximum term is 3 years.
The benefit is not bad. Even if you invest 500,000 rubles and not replenish the account all three years, then in the end the profit will be 79,500 rubles.
In online mode
Well, the tariffs for which many people come to Sberbank were listed above. The types of deposits of pensioners, individuals, salary clients are all alike in that they need to be opened directly in the department. That is, the actual presence of a person is necessary. But there are other contributions - those that can be opened online! Which is certainly very convenient.
So what offer does Sberbank make? The types of deposits and percentages are slightly different from those listed above. As an example, the Good Year tariff is suitable. This is a special winter offer. Here are the conditions:
- The maximum interest rate can reach 8% per annum.
- The term for opening a deposit is 3 months.
- Amount - from 100 000 p.
- A deposit is opened in the personal account of the Sberbank Online service.
- For the operation to succeed, you must have funds in the main account. With it will be debited the amount that will be issued as a deposit.
It is most profitable to invest from 1,000,000 p. Then the rate will be maximum - 8%. According to the results of a 3-month period, a person in this case will receive 20,000 rubles profit.
Well, these are all the most popular deposits that Sberbank can offer. Each of them has its own characteristics. And you need to familiarize yourself with them in detail before you go to the bank branch.
