Savings bank deposits for today calculator. Deposit "Special Keep". Conditions for early termination

Deposit "Top up"

The minimum amount is 1 thousand rubles. Terms vary from 3 to 36 months. The maximum interest rate is 4.5% per annum. Interest payment every month. You can also choose capitalization. If the amount increases, the rate will increase. You can top up with 1000 rubles or more. Partial withdrawal is not possible. Important: If you open this deposit through the Sberbank Online service, then the interest rate will be increased (up to 5% per annum, depending on the term).

Sum	Term / Interest rate
	from 3 to 6 months	from 6 to 12 months	from 12 to 24 months	from 24 to 36 months	36 months
from 1 tr.	3.85%	4%	3.8%	3.75%	3.7%
from 100 tr.	4%	4.15%	3.95%	3.9%	3.85%
from 400 tr.	4.15%	4.3%	4.1%	4.05%	4%
from 700 tr.	4.35%	4.5%	4.3%	4.25%	4.2%
from 2 million rubles	4.35%	4.5%	4.3%	4.25%	4.2%

Contribution "Save"

All types of deposits in Sberbank of Russia, as well as the Save deposit, are aimed at minimizing losses from inflation.

The amount to open is 1 thousand rubles or more. The interest rate reaches 5% per annum. Capitalization or interest payments will be made every month. There is no possibility of replenishment and partial withdrawal. Important: If you open through the Sberbank Online service, the rate will be increased (max. 5.5% per annum).

Sum	Term / Interest rate
	from 1 to 2 months.	2 to 3 months	from 3 to 6 months	from 6 to 12 months	from 12 to 24 months	from 24 to 36 months	36 months
from 1 tr.	4.8%	4.15%	4.35%	4.5%	4.4%	4.35%	4.3%
from 100 tr.	3.95%	4.3%	4.5%	4.65%	4.55%	4.5%	4.45%
from 400 tr.	4.1%	4.45%	4.65%	4.8%	4.7%	4.65%	4.6%
from 700 tr.	4.3%	4.65%	4.85%	5%	4.9%	4.85%	4.8%
from 2 million rubles	4.3%	4.65%	4.85%	5%	4.9%	4.85%	4.8%

Deposit "Manage"

The minimum amount for opening is 30 thousand rubles. Possible monthly withdrawal to a bank card or interest capitalization. The terms of the deposit provide for: auto-prolongation, replenishment and partial withdrawal. Max. rate - 4.2% per annum. Important: If this deposit is opened through the Sberbank Online service, then the interest rate will be increased (up to 4.7% per annum, depending on the term).

Sum	Term / Interest rate
	from 3 to 6 months	from 6 to 12 months	from 12 to 24 months	from 24 to 36 months	36 months
from 30 tr.	3.55%	3.7%	3.25%	3.15%	3%
from 100 tr.	3.7%	3.85%	3.4%	3.3%	3.15%
from 400 tr.	3.85%	4%	3.55%	3.45%	3.3%
from 700 tr.	4.05%	4.2%	3.75%	3.65%	3.5%
from 2 million rubles	4.05%	4.2%	3.75%	3.65%	3.5%

Deposit "Pension Plus"

This type of deposit is intended for pensioners. The minimum deposit is 1 ruble. The term of the deposit is 3 years. Interest will be capitalized or paid quarterly (to a bank card or current account). The interest rate on the deposit is 3.5% per annum. The terms of the deposit provide for: auto-prolongation, replenishment and partial withdrawal.

Sum	Term	Interest rate
from 1 p.	36 months	3.5%

The well-being of Russians is gradually growing. Some may even set aside small amounts for certain needs. It is desirable that these savings bring income. For these purposes, banks have a deposit service. They differ from each other in terms, amounts, rates, currency and categories of borrowers they are aimed at. From this article you will find out which is the most profitable deposit in Sberbank.

Organization details

Sberbank is one of the stable and reliable financial institutions that Russians trust with their savings. For 2015, the credit institution has not developed new programs. Funds will be attracted according to the old ones. Which one to apply in 2015?

For every taste

Depending on the currency, you can invest in rubles, dollars and euros. For fans of "non-traditional" programs, there is a special deposit "International" with a minimum amount of 10 thousand (in pounds, francs or yen) and an interest rate of up to 4.5%. For those who want to save money for a trip abroad, there are 7 different options - “Replenish”, “Manage”, “Save” (you can open it in a branch or personal account on the website), special offers for pensioners.

What is the most profitable deposit in Sberbank in 2015?

Today, a deposit is a way to save money from inflation. According to economists' forecasts, this year it will reach 15%. The rates for the most profitable programs do not exceed 11%. Therefore, if you have a small amount, then it is better to choose a program under the terms of which money can be deposited into the account after signing the documents. Deposits from the "Manage" series are intended for clients who intend to withdraw money during the term of the agreement. Interest rates on them are lower than in "Save" and "Replenish", but this is a fee for the free disposal of funds. The benefit depends on the term of the deposit. If you open “Replenish Online” for 6 months in the amount of 100 thousand rubles, then at the end of the term the client will receive 10.5% per annum (with capitalization), for 1 year - 10.6%.

Types of investments

To understand what is the most profitable deposit in Sberbank for you, you need to answer a few questions:

• Do you plan to replenish your account?
• Will you cash out?
• How long would you like to deposit?
• What amount do you have?
• What currency do you prefer?

By answering these questions, you can choose the best option for yourself. Today, Sberbank offers these types of deposits.

"Save":

• without the possibility of replenishment and early withdrawal of funds;
• the minimum amount is 1000 rubles;
• term - up to 36 months;
• rate - 6.4-7.7%.

Taking into account capitalization, the maximum benefit can be obtained by making a deposit for 3 years.

"Replenish":

• the very name of the program indicates that money can be added during the period of the contract;
• amount - 1000 rubles;
• term - up to three years;
• rate - from 6% to 7.28%.

"Control":

• the possibility of replenishment and early withdrawal;
• the minimum amount is 30 thousand rubles;
• term - 3 months - 3 years;
• rate - from 5.05% to 6.1%.

These are the basic programs of Sberbank. They have "online" analogues that can be issued directly in your personal account on the bank's website. And in this case, the interest rate will be increased.

Unique programs

"Multicurrency":

• term - 12-24 months;
• currency - rubles, dollars and euros;
• - 5 monetary units;
• the rate depends on the term; it can range from 0.01% with an account balance of 5 rubles to 6.21% if 100 thousand rubles are invested.

"Savings" makes it possible to receive additional income, even if the funds were invested for 1 day. The rate varies between 1.5-2.3%, depending on the amount. Capitalization and partial withdrawal are provided.

"Profitable"- a deposit without the possibility of replenishment of funds during the period of the contract. The relationship between the rate and the term of the deposit is inverse. That is, if for 365 days, then the profitability will be 8%, 12-18 months - 5%, a longer period - 3.7%. The minimum amount is one thousand rubles.

"Gift a life"- charitable program. Its peculiarity lies in the fact that once a quarter deductions are made to the fund for helping children in the amount of 0.3%. You can open a deposit for 1 year with a minimum amount of 10 thousand rubles. Rate: from 6.40% to 6.55%.

Option for pensioners

Sberbank has developed special conditions for the most vulnerable category of the population. What is the best investment for older people? Depends on the purpose of the deposit. If a person invests money so that inflation does not “eat” it, then it is better to choose the simplest programs. The percentage for them will be the highest. The conditions of programs for pensioners differ from the basic ones in terms of rates.

• "Save": 5% to 7.76%.
• "Replenish": from 5.3% to 7.28%.
• "Pension Plus": quarterly rate from 3.5 to 3.67%. You can immediately transfer your pension to this deposit.

Profitable deposits on deposits

For a better understanding, we have compiled a table for you below:

Programs	Rate for an investment of 100 thousand for 1 year (%)	Capitalization	Possibility of replenishment	Partial withdrawal
"Save"
"Replenish"
"Control"
"Gift a life"
"Save Online"
"Top Up Online"
"Manage Online"

What is the most profitable deposit in Sberbank? As you can see from the table, "Save online". Since it is impossible to replenish or withdraw money in parts, the rate for using funds is the highest. And taking into account capitalization, the basis for calculating interest is not the initial amount, but increased due to the monthly payment of remuneration.

How to make a decision

The ideal deposit consists of the following items:

• reliable bank;
• optimal timing;
• maximum bet;
• capitalization;
• the possibility of replenishment.

Finding a deposit that will meet all these parameters is quite difficult. Rushing to high interest rates is dangerous. The Central Bank of the Russian Federation officially publishes the refinancing rate. If the bank offers to invest funds at a significantly higher percentage, then this means that it is experiencing financial difficulties and is trying by all means to attract customers.

It is also important to pay attention to the terms of service. The possibility of replenishment may become relevant for customers. who save money for travel. It is better to receive interest at the end of the term along with the principal amount of the deposit, unless you are going to deposit 1 million rubles. It is important to pay attention to the type of bet. It may change during the term of the contract. For people who save money for a rainy day, it is better to look for a deposit with the possibility of withdrawing funds ahead of schedule.

Conclusion

Each client chooses the most optimal deposit option for himself. Someone invests money to protect them from inflation. Others save money just in case. Still others, although they trust their funds to the bank, want to be able to control the account. Deposits from Sberbank of Russia are the best offer on the market. Clients can not only control the account, but also invest funds directly via the Internet at a higher percentage.

Deposits in Sberbank for individuals in 2019 became more attractive due to the updated rates. Read on this page how favorable interest rates and conditions are offered to the population today by the largest bank in Russia.

In 2019, Sberbank of Russia offers its clients several types of profitable deposits for individuals with capitalization or the possibility of monthly withdrawal of interest.

1. Deposits of the type " save» are designed for those who are ready to invest a large amount for several years and not use this money in order to get the maximum percentage. There is also the opportunity to put a large amount into an account with Sberbank and live off the interest.

2. Other deposits of Sberbank for individuals, for example, " Replenish”, have the ability to replenish the account and are beneficial for those who intend to save money.

3. And deposits like " drive» are designed for those who have little free funds and some of the savings may be needed at any time. This is convenient, but the interest rate on the deposit in this case is not high.

Today, deposits can be made in Sberbank only in rubles and US dollars. The Bank temporarily does not open new deposits in euro, offering to use the Savings account in euro at the rate of 0.01% per annum.

See also the conditions of online deposits of Sberbank and deposits

Sberbank: interest on deposits of individuals today

In 2019, Sberbank updated the rates for deposits in rubles and dollars. Read on what conditions and at what percentage today you can open Sberbank deposits for individuals. Compare the conditions to choose the most profitable deposit for you.

1. Sberbank deposit "Save"

You should pay attention to this deposit for individuals if you need to securely save money and receive a guaranteed stable income. By putting a large amount in the bank, you can withdraw good interest every month.

(+) Plus: high interest rate.

(-) Minus: there is no possibility of replenishing the account and partial withdrawal of money without losing interest.

Conditions

• Term: from 1 month to 3 years;
• Currency: Rubles / US dollars;
• Replenishment: not provided;
• Partial withdrawal: not provided;
• Accrued interest is added to the amount of the deposit, increasing income in the following periods.
• Interest accrual: monthly withdrawal or capitalization.

Interest rate

Contribution "Save Online"

The conditions of this deposit of individuals are similar to the “Save” deposit, only it is opened via the Internet, and interest rates are higher.

Few? See what is the interest rate on bank deposits today

Contribution "Special Save"

A deposit with increased rates for owners of the Sberbank Premier/Sberbank First service package. It is opened in the amount of 700,000 rubles or 50,000 dollars.

Contribution "Leader Save"

See: 50 most profitable deposits to date.

2. Sberbank deposit "Replenish"

This deposit for individuals will be of interest to those who prefer to save and regularly save money. But there is also the possibility of monthly withdrawal of interest.

(+) Plus: it is possible to replenish the account.

(-) Minus: there is no possibility of partial withdrawal of money without loss of interest.

Conditions

• Term: from 3 months to 3 years.
• Currency: Rubles / US dollars
• Amount: from 1,000 rubles / 100 US dollars
• Replenishment: provided.
• Partial withdrawal: not provided
• Capitalization: provided.

Interest rate

Contribution "Top Up Online"

The conditions of this deposit for individuals are similar to the “Replenish” deposit, only it is opened via the Internet, and the rates are more profitable.

Contribution "Special Refill"

A replenishable deposit with increased rates for owners of the Sberbank Premier/Sberbank First service package. It is opened in the amount of 700,000 rubles or 50,000 dollars.

Contribution "Leader Replenish"

This is a premium deposit with increased rates for owners of the Sberbank First service package. It is opened in the amount of 5 million rubles, 150,000 dollars or 150,000 euros.

Contribution "Top up in the name of the child"

This is a replenishable deposit that is opened by an adult (parent or legal representative) for a minor child. Any person can replenish the deposit, and in order to withdraw money before the child’s 18th birthday, permission from the guardianship authorities will be required.

From the age of 14, the child will be able to independently replenish the deposit and withdraw the accrued interest, and from the age of 18, he will receive full access to money.

Opening a deposit is possible only in a branch. This will require the passport of the one who opens the deposit, and the birth certificate of the child in whose name it is issued.

Conditions

• Currency: Rubles / US dollars;
• Amount: from 1,000 rubles / 100 US dollars;
• Term: from 3 months to 3 years;
• Replenishment: provided.
• Minimum deposit: cash - from 1,000 rubles / 100 US dollars, non-cash - unlimited.
• Partial withdrawal: not provided;
• Capitalization: provided.

Interest rates

3. Deposit of Sberbank "Manage"

This deposit for individuals will provide secure storage of savings with the ability to withdraw part of the funds without loss of interest before the deposit expires.

(+) Plus: there is the possibility of replenishing the account and partial withdrawal of money without losing interest.

(-) Minus: low interest rate.

Conditions

• Term: from 3 months to 3 years.
• Currency: Rubles / US dollars
• Amount: from 30,000 rubles / 1,000 US dollars
• Replenishment: provided;
• Minimum deposit: cash - from 1,000 rubles / 100 US dollars, non-cash - unlimited.
• Partial withdrawal: provided up to the level of the minimum amount of the minimum balance without loss of accrued interest.
• Capitalization: provided.

Interest rate

Contribution "Manage Online"

The conditions of this Sberbank deposit for individuals are similar to the “Manage” deposit, only it is opened via the Internet, and interest rates are slightly higher.

Contribution "Special Manage"

Expenditure deposit with increased rates for owners of the Sberbank Premier/Sberbank First service package. It is opened in the amount of 700,000 rubles or 50,000 dollars.

Contribution "Leader Manage"

This is a premium deposit with increased rates for owners of the Sberbank First service package. It is opened in the amount of 5 million rubles, 150,000 dollars or 150,000 euros.

Did not impress? See what interest on deposits gives

4. Contribution "Pension-plus of Sberbank of Russia"

This is a retirement income deposit. It is intended for individuals receiving pensions from the Pension Fund of the Russian Federation, non-state pension funds, as well as ministries and departments providing pensions.

Conditions

• Term: 3 years;
• Amount: from 1 ruble;
• Replenishment: provided;
• Partial withdrawal without loss of interest: provided up to the level of the minimum balance amount;
• Interest accrual: every 3 months. Accrued interest is added to the amount of the deposit, increasing income in the following periods.
• Capitalization: provided.

Interest rate

3.50% per annum without capitalization (3.55% per annum with capitalization).

Not enough? See the most profitable deposits for pensioners in

5. Deposit of Sberbank "Give life"

This deposit for individuals is charitable. Part of the funds is directed to help children with oncological, hematological and other serious diseases. Every 3 months, Sberbank transfers an amount of 0.3% per annum of the deposit amount to the Podari Zhizn charitable foundation.

Deposit conditions

• Term: 1 year
• Currency: Ruble
• Amount: from 10,000 rubles
• Replenishment: not provided
• Partial withdrawal: not provided
• Capitalization: provided.

Interest rate:

• 5.65% per annum (5.77% per annum with capitalization)

See also the conditions of the Savings account of the bank

6. savings account Sberbank of Russia

Savings account for free and confident management of money on a daily basis.

Deposit conditions

• Term: Indefinitely
• Currency: Rubles / Dollars / Euro / others
• Minimum amount: Unlimited
• Replenishment: Unlimited
• Partial withdrawal: Unlimited
• Interest is charged: monthly. On the minimum balance kept on the account for a month - at the interest rate that was determined based on its amount. For the difference between the minimum and actual balance - at an interest rate of 0.01% per annum.

Interest rate

• from 1.00 to 1.80 in rubles;
• 0.01 in USD,0.01 in euros, Canadian, Hong Kong and Singapore dollars, Chinese yuan, and pounds sterling.
  

See interest on deposits for individuals in Alfa-Bank -

How to draw up Sberbank deposits for individuals

Opening a deposit at Sberbank is easy, the main thing is that you have money that you can deposit with the bank!

1. In the office. To make a deposit, it is enough to contact any of the bank branches with money and a passport. Sberbank employees will complete all the necessary paperwork, and you will only have to sign where required.

2. Online. If you are already a client of Sberbank and use the Internet Bank, then you can open a deposit without leaving your home. Log in to the Internet bank, select the appropriate deposit and click the "Open deposit" button.

Conditions for early termination

In any unforeseen situation, if clients need money before the end of deposits, they can always be received.

In times of economic instability, you want to keep your savings. You can do this in many ways: hide money at home, buy any valuables with it, open an account with Sberbank for an individual. The organization offers a large selection for those who are thinking which deposit in Sberbank is better to open. By entrusting your free funds to one of the most reliable banks in our country, you can not only not lose them, but increase them due to favorable conditions.

How to choose the most profitable deposit in Sberbank

It is impossible to say exactly which contribution will be the most profitable, since any of them is designed for a specific target audience. In addition, the depositor needs to carefully check the conditions: the ability to replenish the account, withdraw the necessary amounts, the interest rate. Today, Sberbank of Russia offers several products with different conditions, among which customers can find the most profitable for themselves.

Types of deposits and their interest rates in 2019

In 2019, the clients of this bank will be able to achieve the following goals with the help of relevant offers:

• get an excellent profit due to the fact that new interest rates on Sberbank deposits have been introduced;
• withdraw interest every month;
• set aside a certain amount every month for different purposes, because this gives a chance to make Sberbank savings deposits;
• keep funds in monetary units of other countries (Sberbank deposits in foreign currency);
• withdraw your money if necessary.

To make a deposit in Sberbank at interest (or any other), you need to visit the branch of the organization, having a passport with you. Then you need to sign the contract drawn up on the proposal, carefully reading it (especially those items that are written in small print). The next step is to deposit a certain amount of money into your open account.

Happy year

The product involves the use of both rubles and foreign currencies (US dollars, euros). To open such a deposit, you need to deposit from 150,000 rubles. For American and European banknotes, the minimum amount is 3000. According to the terms of the deposit, funds must be kept on it for 9 months (for ruble), 10-18 months (for foreign currency). Ruble rates are up to 10%, dollars - 3.10%, in euros - 2%. Do you think which deposit in Sberbank is preferable to open? Considering the percentages, it is worth taking a closer look at the Happy Year product.

save

This type of deposit belongs to traditional bank products. The product is available not only in our currency, but also in two others, according to which the exchange rate is checked. The terms of the program do not imply partial withdrawal or replenishment. You can open a product with only 1000 rubles, $100, €100. Depositing 100,000-400,000 rubles. for a period of 3 years will give you the opportunity to receive 8.44% per annum. Capitalization involves an increase in interest to 9.07%. If you deposit foreign currency, the interest rate will be 2.22% in dollars and 1.17% in euros.

Replenish

Savings deposits in Sberbank are represented by the "Top up" offer. The product opens up the possibility not only to keep the initially deposited amount, but to periodically replenish it with new funds. The period for which the account is opened starts from 3 months and goes up to 3 years. For rubles, the amount of additional deposits is from 1000 rubles. in cash. If you want to make a deposit using a bank transfer, there will be no restrictions for you.

Capitalization of the account will allow you to purchase up to 8.07% per annum, and if the depositor does not want this process, his funds received at the rate will be transferred monthly to the card or account. As for foreign currency, you can supplement the deposit in the amount of $100 or €100. The interest rate in dollars will be 2.01%, when using euros - 1.07%. The rest of the conditions are the same as the "Save" sentence.

drive

For people who want to be able to withdraw some money from their account or replenish it, the Manage product will do. The minimum amount of ruble investments here is 30,000 rubles. The maximum rate will be 7.31%, provided that the interest is capitalized. If you decide to make a dollar deposit, then you need to leave for storage from $1000, the rate is 1.80%. The euro offer will become available when you deposit from €1000, while your account will be replenished at 0.86% per annum.

Pension Plus

An excellent deposit created specifically for retirees who want to earn an income for retirement. You can create such an investment for a period of 3 years. As long as your money is inside the bank, you will be able to constantly replenish the account, partially withdraw money from it. It is possible to take funds until 1 ruble remains on it. The annual interest rate on this offer, subject to capitalization, is 3.67%. A profitable deposit for pensioners, which allows not only to store and increase their funds, but also to manage them.

Multicurrency

The "Multicurrency" deposit uses several currencies to open at once - this is its main feature. You can open it using any of them: rubles, euros or US dollars. Interest rates under the offer are as follows: up to 6.88% in rubles; 1.78% in dollars; 0.91% when using Euro. The period for which this deposit is calculated can be from 1 to 2 years. The offer implies the possibility of replenishment. The minimum amount of cash replenishment is 1000 rubles, $100, €100. The minimum deposit amount is not at all large: 5 rubles, $5, €5.

International

A deposit that provides for the storage of funds in foreign monetary units: British, Swiss, Japanese. The offer does not allow for partial early withdrawals. This product is designed for both short and long term. The minimum amount that you can deposit is the same for pounds sterling and francs, which are currencies in Switzerland, and is 10,000. You can make a deposit in yen with a minimum amount of 1,000,000 units of this currency.

Each currency has its own interest rate:

• pounds sterling: 0.70-4.50%;
• Swiss francs: 0.10-2.65%;
• Japanese yen: 0.30-2.65%.

savings account

A very convenient offer, implying the possibility of daily management - a savings account with Sberbank. This storage system comes into effect at an unlimited minimum amount, then you can replenish it and withdraw any amount of money available on the account. Opening is possible in three currencies: rubles, US dollars, euros. Clients can use this deposit indefinitely.

Interest rate for each type of currency:

• rubles: 1.50-2.30%;
• euro: 0.10-0.40%;
• US dollars: 0.10-0.40%.

How to open a deposit in Sberbank online

You can also choose which deposit in Sberbank you should open online. If you have already become a bank user and have repeatedly accessed its Internet equivalent, you can immediately start opening. If you did not use the services, then you will have to visit the bank. At the branch of the organization, you must provide a passport and declare your desire. A special agreement will be concluded with you, after which you have the right to manage your finances and use the services of this bank via the Internet.

To open a deposit online, you need to perform a small number of actions:

1. If you do not have a card of this financial institution, you must obtain it. The instant issue card is absolutely free, there are no maintenance fees.
2. Using the terminal, get the login and password you need to log in. The information will be with you by means of a receipt, where it will be indicated. Do not give this data to anyone so that no one can use your money without their knowledge. If you estimate that this task is difficult, ask for help from a special person - a consultant. Do all this easily from your mobile phone. To do this, when concluding an agreement, activate the Mobile Bank service in advance, which will require small annual service fees.
3. Using a computer, mobile device or terminal, go to the Sberbank website. Then follow the following links: individuals - online services - Sberbank Online. Next, you will need to enter the previously received login, password.
4. Click on the "Deposits and accounts" page, click on the "Opening a deposit" link.
5. Carefully study the conditions that characterize each type of contract, select the offer that suits you. To date, such deposits as: "Top up online", "Manage online", "Save online" are available. After selecting the desired offer, click "Continue", opening the application form, which must be carefully and correctly filled out.
6. After checking the correctness of the data, click the "Open" button, check again. If you did everything correctly, check the box to agree to the terms. You will see your account details, which you can then check inside the "Deposits and Accounts" link.

Video: what you need to know about currency deposits

The times of crises, the increase in prices for the currencies of other countries, force some people to use the currency of other countries to store their savings. It costs more and is constantly growing. Keeping foreign currency savings at home is not the best idea; it is much more profitable to entrust them to a bank at interest. Deposits, for the opening of which the monetary units of other states were used, have their own characteristics, conditions and pitfalls.

Sberbank offers term deposits without the possibility of replenishment and withdrawal (Save), savings (Replenish) and savings (Manage). Also, the client can open a demand deposit without restrictions on withdrawing funds. Special conditions have been developed for pensioners, as well as for existing clients of the Bank (belonging to the Premier category or being owners of the Sberbank First package).

The Bank offers a special deposit for crediting social benefits, as well as a deposit for accumulating funds, the recipient of which, after reaching the age of majority, will be a child. There is also a program of deposits Give Life, part of the funds for which is deducted for charity.

Design features. To make a deposit in a bank, a citizen of the Russian Federation must provide a document proving the identity of the depositor - this can be a civil passport, an identity card of a Russian serviceman (military ID), a temporary identity card of a citizen of the Russian Federation (form N 2P). Also, the Bank in some cases has the right to request a TIN.

Foreign citizens can also make a deposit in the Bank - in addition to their national passport, they need to provide a migration card and a document certifying the right to stay on the territory of the Russian Federation. The number of deposits that a client can open at the same time is not limited. There are the following features of registration of deposits in Sberbank:

• A term deposit can be opened in Russian rubles or US dollars;
• The deposit can be made in the name of another person. You need to have your passport and a notarized copy of the passport of the person for whom the deposit is being made;
• You can make a deposit in the name of the child. To do this, you need to have your passport, passport / birth certificate of the child with you, if available - TIN;
• Several people can manage the deposit at the same time, for example, family members, for this you need to issue powers of attorney. The service is free, the presence of authorized persons is not required;
• It is possible to transfer the deposit to a new owner in the order of inheritance;
• The rate can be increased due to additional contributions or in connection with an increase in the minimum amount (if it is provided for by the individual terms of the contract).

How to open a deposit? You can make a deposit in Sberbank in the following ways:

• At the Bank's office. The client must have an identity document with him: a general civil passport of the Russian Federation, an identity card of a military man, a temporary identity card of a citizen of the Russian Federation (form N 2P) or a foreign civil passport (for foreigners, documents certifying the right to stay on the territory of the Russian Federation are also required);
• At a Sberbank ATM. Money can be credited to the deposit by transferring from a card or directly depositing cash into an ATM. In the ATM menu, you can get acquainted with the parameters of the Bank's deposits and specify the amount and term of the deposit being processed.
• remotely through the Internet bank or the Sberbank Online mobile application - for existing customers of the Bank, this method involves receiving a surcharge on the interest rate (available as part of the main programs of the Bank).

Attention! Remote actions with your deposits can be performed only if you have previously concluded a banking service agreement (RBS) with the Bank. A prerequisite for RBS is that the depositor has a Sberbank debit card (card currency - rubles).

If at the time of conclusion of the agreement the client does not have the specified card, then the card account in rubles is automatically opened and the Momentum card is immediately issued without charging a service fee.

You can get a bank deposit agreement opened online by printing it out in your personal account of the Sberbank Online Internet banking in the "History of Operations" section, or by personally contacting any office of the Bank.

Extension of deposits. When making a term deposit, information about the expiration date of the agreement will be indicated in Sberbank Online, as well as in the deposit agreement. If after the expiration of the term for placing a deposit the client has not withdrawn the money, an auto-prolongation takes place on the terms fixed in the agreement or valid at the time of the expiration of the term (if the client did not refuse auto-prolongation at the time of the conclusion of the agreement).

If during the term of the agreement, the Bank ceased to provide a similar deposit rate, auto-prolongation is made on the terms of a demand deposit (0.01% rate). Please note that automatic prolongation may imply a lower rate compared to the original one (if the Bank's tariffs have changed during the deposit term). The client can avoid such risks by issuing a prolongation "manually" - by contacting the Bank immediately after the expiration of the deposit to conclude an agreement on new conditions.

Closing procedure. You can close the deposit remotely, using the Internet bank or the Sberbank Online mobile banking application - to do this, you must fill out the appropriate short questionnaire in your Personal Account, indicating the account for crediting funds, and in the mobile application, by clicking the "Close Deposit" button and then following the instructions, the amount will be transferred to a valid card or account. Everything, you can immediately use the money.

Another option for closing a deposit is to contact the Bank's division where the deposit was opened. The client needs to provide the branch employee with a passport (or other document that was provided during registration) and a bank card (or account details) for crediting funds. Cash can also be received at the Bank's cash desk. To receive large amounts (from 150,000 rubles), a preliminary application is usually required 1-2 days before the expected closing date of the deposit.