Sberbank is the largest Russian bank in terms of funds raised from individuals. Today the bank offers a wide range of deposits, which differ in terms, currency of investments, as well as the degree of accessibility of account management operations for the depositor.
Types of term deposits in Sberbank
There are two types of deposits in Sberbank - urgent and demand deposits. To increase the savings of depositors, it is advisable to open time deposits.
Among the term deposits one can single out “Save”, “Replenish” and “Manage”. Any of them can be opened in rubles, dollars, and euros. Interest capitalization can be carried out on deposits at the request of the owner, i.e. their addition to the amount of the deposit and the accrual of interest on them. But if desired, the depositor can withdraw the profitability of the deposit - interest is charged monthly. All term deposits are automatically renewed.
The "Save" deposit can be opened for a period from one month to three years. To do this, you need to put on the account the amount of 1000 rubles. The "Save" deposit provides for the maximum yield among all deposits of Sberbank - up to 7.76%. The rate depends on the timing of the opening of the deposit, the amount of the deposit (the maximum is set for deposits over 2 million rubles) and the capitalization of interest. It is advisable to open it if you do not need money on your account in the near future. Indeed, in case of early termination of the deposit, interest on it is charged at a rate of 0.01% (or in the amount of 2/3 of the interest rate for a deposit term of more than six months).
For those who want to save up for any major purchase, the "Replenish" deposit is suitable. It allows you to regularly deposit money into your account. The minimum term for opening a deposit is 3 months. The starting amount must be at least 1000 rubles. The interest rate on it is lower than on the "Save" deposit by 0.5 percentage points. and reaches a maximum value of 7.28%.
The "Manage" deposit allows you to use a part of the deposit within the minimum balance without losing interest. The deposit can also be replenished. The minimum amount for replenishment is 1000 rubles. (by cashless transfer - any). The minimum deposit is 30 thousand rubles. The interest rate in this case is the lowest compared to other deposits. Its limiting value is 6.68%.
All deposits can be opened online and receive a higher deposit rate.
The "Give Life" deposit allows you not only to receive income from savings, but also to help children with cancer, hematological and other diseases. Each quarter, 0.3% per annum of the deposit amount is transferred to the fund of the same name. This deposit is opened for a year, interest on it is calculated not monthly, as on other time deposits, but once every three months. The rate is set at up to 6.56%.
Types of foreign currency deposits in Sberbank
For those who would like to make money on fluctuations in the exchange rate, you can open a foreign currency deposit in Sberbank. They fall into the same categories as ruble deposits. On deposits “Save” the maximum interest rate for dollars and euros is set at 2.33%, “Top up” - up to 2.11%, “Manage” - up to 1.90%.
The "Multicurrency" deposit is simultaneously opened in three currencies - dollars, euros and rubles. The terms of the deposit are from one to two years. Interest rates are up to 6.21% in rubles and up to 1.78% in dollars and euros.
The International deposit allows you to receive income from exchange rate differences in exotic currencies. The deposit is opened for a period from one month to 3 years. The maximum rate is up to 3.25% in GBP.
