Sberbank savings certificate per year. What is a bank certificate from Sberbank - types, pros and cons, interest rates and conditions for obtaining

Savings certificate of Sberbank accrues interest in 2019 only on previously issued copies. In 2018, the range was from 4.35 to 7.1%, however, the security itself has ceased to be issued since July by virtue of the law. Can I buy a certificate now, how can I cash it out and what will be the interest rate at the time of redemption?

Sberbank savings certificate - what is it

A savings certificate to the bearer is a valuable non-registered paper (it doesn't matter who uses it). On the one hand, it confirms that funds have been deposited into the bank account, on the other hand, it gives the owner of the paper the right to receive this money.

In simple words - if you have a Sberbank bearer certificate in your hands, you can exchange it for money by contacting a bank branch with a passport.

Since July 2019, Sberbank has not sold bearer savings certificates and has not accepted them for safekeeping. Only redemption and withdrawal of cash on securities in circulation is available.

What does a bearer certificate look like?

In Sberbank, a security must contain:

• Nominal - the amount "fixed" to it;
• Interest rate and term for which the money is placed;
• The amount of interest payable on the maturity date;
• Details of the branch where the deposit was made;
• Series and "live" seal of the bank.

The certificate form itself is printed in the printing house of the State Sign and has state protection against counterfeiting.

Reverse side of the certificate

A bearer security consists of two parts: a “body” and a spine (separated by a dotted line), the latter is given to the owner when redeemed, the main part remains in the bank, confirming the fact of withdrawing money.

According to the rules, blots and amendments are not allowed when filling out a non-personalized certificate - in this case, the bank may not accept the paper for redemption and the rights on it will have to be restored through the court if the internal examination does not confirm the authenticity:

To transfer rights under a security, it is enough to hand the form to the future owner. According to the law, it is not necessary to draw up additional agreements (donations, assignments of rights, etc.) for non-registered certificates.

In 2018, the rules for "cash" money circulation were sharply tightened. Banks acquired the right, when issuing large amounts of cash from a deposit, to require documents confirming the origin of money. If you buy a certificate from your hands or give it to you - ask to draw up an agreement - this will make it easier to withdraw money from your account.

Savings certificates for individuals were issued only in rubles, and money can be received in cash at the cash desk or by bank transfer to an account.

How to use a non-registered security

If you have a 2018 release certificate (or earlier) in your hands, there are a lot of ways to use it:

• Give as a gift - any individual will be able to withdraw money at the branches of Sberbank (it is better to accompany it with a donation agreement if the amount is large).
• Settle - often the form is used as a way to pay for goods and services.

Please note that the indication of the Central Bank directly prohibits such transactions. Moreover, if you are offered payment with a security - think about it! Such a transaction will be illegal, and the owner will be able to claim the certificate back through the court.

• Mortgage when applying for a loan or mortgage;
• To bequeath - in this case, it is better to leave the forms for safekeeping: for example, remove a safe deposit box. Include all data on the certificate in the will - so it will be easier for the heir to withdraw money.
• Borrow by issuing a loan agreement or receipt.
• Selling is the easiest way to cash out your invested money while retaining some of the interest income.

Disadvantages and risks of savings certificates

The issuance and registration of non-registered securities was not in vain banned at the legislative level. This financial instrument was actively used for money laundering and created considerable risks for economic stability.

For conscientious individuals, this was a convenient way to get a rate higher than the deposit and make an original gift.

If you still have a bearer certificate in your hands, remember its main disadvantages:

• Vulnerability - theft, loss or loss - is a big nuisance, because. rights will have to be restored through the courts. The maximum that you can do is to quickly write an application to the bank and restrict access to money, but you yourself will not be able to withdraw it without a certificate. Today, Sberbank has stopped accepting forms for storage.
• Lack of insurance - the money attached to the certificate is not subject to insurance according to the rules of the DIA (it was this fact that gave them an increased profitability compared to the deposit);
• Strict conditions - early withdrawal of funds will reset your percentage, and the lack of renewal makes the renewal of the "life" of the certificate meaningless.

Savings certificate of Sberbank: interest 2018 - 2019

In Sberbank, the yield for individuals changed quite often - two or three times a year, following the key rate of the Central Bank.

To date, interest on savings certificates for the current year has been revised twice:

Until April 2018:

The denominations always acted the same and it was possible to choose not a "round", but a fractional amount, for example, 12,500 rubles.

Savings certificates in circulation have all the features of a "hard" deposit:

• Not renewed (not extended). If the amount is not requested, the interest stops accruing.
• Income is accrued and paid only on the maturity date (without capitalization).
• The interest rate is fixed and does not change during the entire term.
• Can't be replenished.
• Early withdrawal deprives the "deposit" of meaning - the profit is recalculated at the "On Demand" rate for individuals (0.01%).

Profit directly depended on the duration of the placement and the face value. At the same time, for a period of six months to 3 years, the profitability in 2019 was exactly the same, and in order to get a more or less high percentage, the entry threshold started from 50 thousand rubles.

For pensioners, the interest on Sberbank savings certificates did not differ from the base ones.

The highest rates were assigned for certificates in the past three years, compare:

Percentage 2014-2015:

Now financial and credit institutions cannot compete with such rates, but it is realistic to choose a deposit at the level of interest on a savings certificate in 2019.

How to find out the profitability of a savings certificate

There are at least three ways to find out what percentage is valid on your certificate:

• Take a look at the front side of the received sample - the form reflects all the important financial information (nominal value, yield, amount of interest due, maturity date);
• If you issued a certificate yourself - to Sberbank online through the menu item Other:

Full access to all accounts is remotely obtained by clients who have signed a Banking Service Agreement.

• You can find out the yield on certificates of early releases (starting from 2010) in the archive of Sberbank interest rates: sberbank.ru/ru/person/contributions/archive

Sberbank profitability calculator

There is no special service for calculating income on savings certificates for individuals - and it is not needed.

An ordinary calculator will help you, the formula for calculating interest is simple, because. the rate is fixed for the entire period: the amount * interest / 100 is the income for the year, and then divide it or multiply it by the number of periods, so 180 - days is 0.5 (half of the annual return).

That is, for an amount of 100 thousand rubles, for a period of six months, the income will be as follows: 100,000 * 0.052 * 0.5 \u003d 2600 rubles.

How to buy a savings certificate in 2019

Previously, individuals over the age of 14 could issue a certificate. But now the issuer has stopped selling securities, so you can buy it only informally - from another individual, paying the face value and part of the interest income.

In this case, you assume all risks:

• The form may be a fake;
• The seller can challenge the deal and claim the security. If the case goes to court, each of the parties will have to prove the good faith of their actions and the facts to which it refers.

The purchase will benefit from certificates issued in 2014 and 2015, when the interest for a face value from 50 thousand to 1 million for a period of 3 years ranged from 11.25%.

There is no point in acquiring the rest - interest rates on Sberbank deposits are much more attractive today.

How to withdraw money from a savings certificate of Sberbank

It is enough to contact the branch of the bank that works with securities, present a passport and a form. If the amount is over 100 thousand rubles, it is better to order money in advance - 3-5 days in advance, so as not to get into this situation:

Persons under the age of 18 can withdraw money in exchange for a certificate without the permission of guardians or trustees, only if they purchased it at their own expense.

Conclusion

In 2019, interest on Sberbank savings certificates for individuals slightly exceeded deposit rates. However, since July the securities are no longer issued and are not accepted for safekeeping. You can redeem and withdraw money from a bearer certificate with a passport, specifying in advance which branch it is better to contact.

For retirees, there are many different tools for maintaining labor savings. In 2017, most often these instruments are contributions and deposits. But more and more people are offering such a way to save money as a savings certificate at favorable interest rates. Moreover, Sberbank is the most active in promoting this tool.

A savings certificate is a security. This security indicates the amount of money deposited by its owner in the bank, as well as the period after which the owner of the paper will receive his money and interest. All these funds must be obtained from the bank that issued this certificate.

There are two types of certificates:

• nominal;
• to the bearer.

In this case, the last type of this security is considered. It can be transferred by its primary owner to another person, and at the appointed time, the bank will be obliged to pay all the funds due under the certificate to its bearer.

Interest

According to Sberbank, the interest on the certificate is higher than the interest on a regular deposit.

The table shows these percentages.

Amount, rub.	3 - 6 months	6 months - 1 year	From 1 g to 2 years	2 to 3 years	Over 3 years
1-50 thousand	0.0001	0.0001	0.0001	0.0001	0.0001
50 thousand-1 million	0.0695	0.0735	0.0765	0.079	0.0795
1-8 million	0.0775	0.0815	0.0845	0.087	0.0875
8-100 million	0.084	0.088	0.091	0.0935	0.094
>100 million	0.09	0.094	0.097	0.0995	0.1

Indeed, if we compare these rates with the interest given by Sberbank on the highest deposit "Save", it turns out that, for example, for fairly common deposit amounts from 100,000 rubles to 2 million rubles, this deposit can bring a profit of 6.05-6.4% per annum for 3 months and 6.65-7% for 3 years.

A savings certificate with the same investments gives, respectively, 6.95-7.75% per annum for a period of 3 months and 7.95-8.75% per annum for an investment period of 3 years.

With investments over 2 million rubles, the interest on the deposit does not increase, but the interest on the savings certificate increases and at 100 million rubles reaches 10% per annum.

Thus, from the point of view of making a profit, investing in this valuable document has advantages over a deposit at relatively large amounts.

It should be noted that the increased percentage of profit on the certificate is due to the fact that the funds invested in it are not subject to deposit insurance. Therefore, when revoking a license from a bank, no insurance payment is due.

Considering that the probability of revoking the license from the base bank of the Russian Federation, which is Sberbank, is almost zero, we can assume that insurance of the DIA system in this case does not play a special role.

However, there are other banks that issue these securities. And in such cases, before buying them, it is important to weigh all the circumstances and the reliability of the bank.

Advantages

The main advantages of Sberbank savings certificates are:

1. High interest.
2. Mobility of a security.
3. No income tax.

The mobility of the certificate lies in the fact that it can be transferred to another person without drawing up any documents.

Thanks to this quality, the certificate is convenient for elderly pensioners.

For such persons, with a savings certificate, there is no need to draw up any will. It is enough to pass it on to the heirs.

In addition, such a certificate can be presented, for example, for a wedding or coming of age. This security can be used when obtaining a loan or in real estate transactions.

Flaws

Savings certificates have the following disadvantages:

• lack of deposit insurance;
• a complex system for restoring rights for a lost certificate;
• storage complexity;
• the lack of the possibility of additional contributions, partial withdrawal of money without loss of interest, prolongation.

You can restore your rights to a stolen or lost certificate only in court. In this case, there is a certain procedure that lasts quite a long time. At the same time, it is rather difficult for the secondary owner to prove his rights to the certificate.

The certificate is a plain paper that has protection. However, this paper may be stolen, lost or damaged.

For its safety, the bank offers free storage. But in this case, the certificate will no longer be so mobile, and, in addition, the heirs of the deceased pensioner will be able to receive it only after they enter into inheritance rights.

If you need a partial withdrawal of money, you have to cash out the certificate ahead of schedule. In this case, you can get only 0.01%. The absence of automatic prolongation requires re-registration, otherwise interest will not accrue on the money.

conclusions

1. To store savings, pensioners can use a savings certificate, the interest on which is higher than the interest on the deposit.
2. Since it is issued to the bearer, it can be transferred to your heirs without a will, used as an instrument in obtaining a loan or real estate transactions.
3. The disadvantage is the lack of insurance, the difficulty of storage, restoration of rights, partial withdrawal of funds.

A savings certificate is a form of saving money, preventing its depreciation and generating income. There are nominal types of it for individuals and bearer. The first belongs to a specific person, and the second can be transferred to anyone. Certificate deals are fairly new and often mistrustful. For retirees, the traditional savings book is the most common way to save money. At the same time, the savings certificate of Sberbank has a number of advantages. Consider the conditions for obtaining it in 2017.

A savings certificate is a security that confirms the contribution of certain capital and the right to receive income from it. In Sberbank, this document is available only to individuals, including foreign citizens. For some time there was also an offer for legal entities in the form of certificates of deposit, but today their sale has been suspended.

Features of the security:

• the document is urgent, that is, it is issued for a certain period of time;
• the paper is not registered, but issued to the bearer;
• printed on paper with a high degree of protection against counterfeiting;
• issued in Russian rubles;
• can be left for free storage in a bank;
• in the case of being in storage, it can be inherited;
• may not be available at all bank branches.

Since the savings certificate is not registered, in order to transfer the right to dispose of it to another person, it is enough just to give him this document. In case of loss, there is a risk that an outsider will receive the money on the deposit, so you must immediately contact the bank, and then go to court to restore your rights to the money.

Like any bearer security, the savings certificate does not participate in the deposit insurance system. In the event of a bank failure, funds on it will not be compensated. But the probability of bankruptcy of such a powerful organization as Sberbank is practically zero. And due to cheaper service than deposits, the rates are higher here.

Another important point is the lack of the possibility of any management of funds. Operations with them are not displayed in the Sberbank Online system, sale and purchase are possible only with a personal appearance at the branch.

The certificate is not a payment or settlement tool, it cannot be paid in the store. You can get money for it only at Sberbank, cashing out is impossible in other banks.

Terms and interest rates

Investment in the Savings Certificate in 2017 is carried out on the following conditions:

• rate - up to 7.2%;
• term - from 91 to 1095 days (from 3 months to 3 years);
• the minimum cost is 10 thousand rubles;
• there are no possibilities for replenishment and partial withdrawal;
• the interest rate is fixed;
• income is accrued at the end of the validity period;
• in case of early repayment, the yield of 0.01% per annum is paid.

How to receive:

1. You need to contact the branch of the bank that performs operations with certificates. You must have an ID with you.
2. Decide on the denomination and term of securities, purchase the right amount.
3. Make a payment, it can be done in cash or by transfer from your account. Foreign citizens can pay the cost only by bank transfer. Payment is made in rubles.

The terms of the deposit determine the minimum amount of 10,000 rubles, but for investments in the amount of up to 50,000, almost zero return, only 0.01% regardless of the term. Therefore, the purchase makes sense only if you have a fairly large amount. The most favorable rates are offered for investments from a million rubles. In this case, they become higher than similar deposit offers. With amounts from one hundred million, the yield rises higher 7%.

If you accidentally missed the expiration date of the certificate and did not contact the bank for cashing out, this can be done at any time without any difficulties.

The bank is obliged to return to you the invested capital with the yield determined in the security. But this income will be calculated only until the expiration date of its validity, in the future, interest is no longer charged.

Advantages and disadvantages

Buying a savings certificate has both pros and cons. Among the advantages can be noted:

1. Fixed income. Deposit rates are reviewed with each prolongation, but here they are fixed for the entire investment period.
2. Higher yield. When investing large amounts, interest rates exceed the profitability of deposits.
3. Receipt of funds by the bearer. A savings certificate can be a good gift, as well as a convenient way to store money, when, for example, both spouses can use the funds without issuing special documents and powers of attorney.
4. Ease of getting. For this, a passport and a minimum of time are enough. Even a teenager from 14 years old can buy and cash out a certificate. Independent receipt of money by him is possible only if he bought and paid for the certificate himself. Otherwise, parental permission is required.

The certificate also has disadvantages:

• there is no possibility of replenishment of the deposit and partial withdrawal;
• no interest capitalization;
• does not participate in the deposit insurance system;
• large investments are required for high profitability;
• the risk of theft, loss or damage to the document;
• complex recovery process.

We can talk about the good attractiveness of the savings certificate for long-term large investments. It will allow fixing high profitability for this period. It is also a beautiful unobtrusive gift for cases when it is inconvenient to give banknotes. For pensioners and other preferential categories of the population, increased interest rates are not provided. Therefore, it is better for them to advise replenished savings deposits with interest capitalization. The main features that attract in this document are the possibility of transferring it to another person without any formalization, as well as a long-term fixed income.

A Sberbank certificate for individuals is a security issued to a bearer. A savings (deposit) certificate in 2019, like a deposit, is used by clients of Sberbank of Russia to store and increase funds with a yield significantly higher than on deposits.

The interest rate of the Sberbank Savings Certificate in 2019 is higher than that of the deposit. One of the reasons for this is that all deposits of individuals of the bank participate in the deposit insurance system, and certificates are not subject to insurance. This must be remembered, although the likelihood that the Central Bank of the Russian Federation may deprive Sberbank of Russia of a license is not great.

A Sberbank savings certificate is issued to the bearer, so it is convenient to use it not only for saving money, but also as a gift.

The deposit certificate of Sberbank of Russia can be:

• - to give to friends or relatives (the certificate is not personalized - just pass it on);
• - leave in the bank for safekeeping (the service is free).

A Sberbank savings certificate for pensioners can be convenient in that it is easy to pass it on by inheritance. If the certificate of deposit is kept by the owner, it is not necessary to draw up a will for this, it is enough to transfer it into the hands of the heir. In the event that a security is deposited with a bank, in order to receive it, the heir must present a certificate of the right to inheritance.

If the Certificate of Deposit has become unusable, for example, accidentally washed or torn, you must bring what is left of it to the bank. The security will be handed over for examination, and in case of its successful passage, the owner will be issued a duplicate or paid money.

But at the same time, you must remember that if you have lost the Deposit Certificate of the Savings Bank of Russia, then ownership of it can only be restored through the courts!

Savings certificate of Sberbank in 2019: rates and conditions

Deposit term: 91 days (3 months) - 1095 days (3 years);

Minimum deposit amount: 10,000 rubles;

Replenishment: not provided;

Partial withdrawal: not provided;

Interest is calculated at the end of the term;

Extension: not available.

Sberbank certificate: interest rate in 2019

Interest on the Savings (deposit) certificate of the Savings Bank of Russia is from 0.01 to 7.10% in rubles, depending on the amount and term of the deposit.

denomination, rub	91-180 days	181-365 days	366-730 days	731-1094 days	1095 days
from 10 thousand up to 50 thousand
from 50 thousand up to 1 million
from 1 million up to 8 million
from 8 million up to 100 million
from 100 million