Sberbank deposits for individuals in 2021 in rubles

2024 Author: James Gerald | [email protected]. Last modified: 2024-01-18 00:05

Although today Sberbank does not differ in high interest rates on deposits in rubles, it still occupies a leading position in terms of the number of clients and the volume of sales of banking products. In 2021, the financial institution continues to work with individuals, establishing special conditions for depositors that allow them not only to preserve, but also to increase their capital.

Opening a deposit

PJSC Sberbank, founded in 1841, tries to keep up with the times and is developing rapidly, expanding its technological capabilities every year. Now anyone can open a deposit using the Sberbank Online service.

This requires:

1. Enter your personal account, click on the "Deposits and Accounts" icon and go to the "Deposit Opening" page.
2. Choose from the offers that appear on the screen that is most suitable for the conditions of opening and capitalization of the deposit.

You can also go to the official site of Sberbank and, by clicking on the "Deposits" icon, choose the option you like.

In addition, branches of Sberbank, available in almost all corners of Russia, are ready to help with opening a deposit upon a personal request from a client.

What documents are needed

Persons who have reached the age of 18 must submit the following documents to the bank:

• a statement confirming the client's desire to open a deposit;
• passport of a citizen of the Russian Federation;
• military ID (for those liable for military service);
• pension certificate (for the "Pension Plus" deposit).

Minor citizens of Russia can also open a deposit by submitting the following documents:

• a statement confirming the intention to place funds on a deposit;
• birth certificate;
• passport of one of the parents (guardians).

Types of deposits in Sberbank

Deposits in the largest bank in Russia are presented in different currencies, but today the most popular among individuals are deposits in rubles. Sberbank offers more than 20 options for investing funds, differing in terms of storage and the amount of the minimum deposit.

The following factors influence the value of the interest rate in 2021:

• capitalization;
• the size of the deposit;
• type of transactions that can be performed with the account.

Basic deposits:

1. “Save” - at the maximum interest rate - 4.50%.
2. "Top up" - there is a possibility of replenishment, the rate is 4, 15%.
3. "Manage" - partial cash withdrawal is allowed, the rate is 3.80%.

For pensioners who have opened deposits "Replenish" and "Save", there is a maximum interest rate, regardless of the amount of the deposit.

Sberbank also offers special programs aimed at charity and receiving additional income from pension payments: "Pension Plus" and "Give Life".

In addition, Sberbank has prepared special offers with increased interest rates for its clients:

• Sberbank First - amount - from 5 million rubles, rate - up to 5, 25%;
• Sberbank Premier - amount - from 700 thousand rubles, rate - up to 4, 85%.

The table below shows all types of offered deposits, and also indicates the conditions for keeping funds.

Deposit name	Bid, %	Deposit amount, rubles	Deposit term, months
Save online	Up to 4, 5	From 1000	36
Save	Up to 4	From 1000	36
Special save	Up to 4, 35	From 700,000	36
Leader save	Up to 4, 65	From 5 million	36
Save (for retirees)	Up to 4, 15	From 1 ruble	36
Top up online	Up to 3, 8	From 1000	36
Top up	Up to 3.65	From 1000	36
Leader Top up	Up to 4, 2	From 5 million	36
Top up (for seniors)	Up to 3, 8	From 1000	36
Special top up	Up to 3.95	From 700,000	36
Operate online	Up to 3, 45	From 30,000	36
Run	Up to 3, 3	From 30,000	36
Leader Manage	Up to 3.75	From 5 million	36
Special Drive	Up to 3, 55	From 700,000	36
gift a life	4	From 10 000	12
Pension Plus	3, 5	From 1 ruble	36
I remember. Proud	4, 7	From 50,000	6
Social	2, 6	From 1 ruble	36
Poste restante	0, 01	From 10 rubles	indefinite
savings account	Before 18	From 1 ruble	indefinite
Nominal account for crediting social benefits	3, 5	From 1 ruble	indefinite

Special conditions for deposits

The client is given the opportunity not only to save money, but also to increase it, receiving a guaranteed income, the amount of which depends on the type of deposit.

"Save" deposit

The amount is deposited at a time, there is no possibility of replenishment and partial withdrawal of funds without loss of interest.

The term of the deposit is from 1 month to three years.

The profitability is calculated monthly, and all accrued interest is added to the principal amount of the deposit, which increases the profitability of the deposit in subsequent periods (capitalization). Interest can be transferred to the card account or withdrawn.

The interest rate is determined by the term of the agreement and the amount of the deposit.

Deposit "Replenish"

According to the terms of the bank, the deposit can be regularly replenished, while it is impossible to withdraw funds before the expiration of the contract.

The deposit is opened for a period of 3 to 36 months. There is no possibility of partial withdrawal without loss of profitability. The conditions provide for an automatic increase in the interest rate in proportion to each subsequent increase in the amount of the deposit.

Interest is accrued monthly. They are added to the total amount of the deposit, which contributes to an increase in profitability in subsequent periods.

It is possible to transfer interest to the card, as well as withdraw it in cash.

"Manage" deposit

The conditions provide for the possibility of replenishment and partial withdrawal of funds without loss of profitability.

A deposit in rubles for individuals is opened for a period of 3 to 36 months.

The interest rate rises as the amount of the deposit increases due to the accrual of interest, as well as upon the conclusion of an additional agreement to increase the amount of the minimum balance.

Interest is accrued by Sberbank on a monthly basis, while the rate is determined by the amount of the minimum balance. Interest on the deposit is added to the body of the deposit, contributing to an increase in profitability in the future.

In 2021, accrued income can be transferred to a card or withdrawn in cash.

Donate Life

According to the terms of the deposit, every three months the bank transfers funds in the amount of 0.3% per annum of the deposit amount to the “Give Life” charity fund in order to help children with serious diseases (hematological, oncological and others). You can open a deposit only when you visit the office.

There is no possibility of replenishment and partial withdrawal of money without loss of profitability.

Interest is calculated every three months. In case of early termination of the agreement, interest is charged without taking into account their capitalization.

Interesting! Child Tax Deduction 2021

Pension Plus deposit

A special program for retirees who want to increase their income by investing pension funds at interest.

It is possible to replenish the deposit without limitation, as well as to partially withdraw funds to the level of the minimum balance.

Interest is calculated every three months. The amounts are added to the body of the deposit, increasing its profitability in the future.

In case of early termination of the agreement, the rate set at the time of opening (renewal) of the deposit remains.

For all other types of deposits, Sberbank also sets special conditions. You can get acquainted with them on the website of the financial institution.

Replenishment and closing of a deposit

For the convenience of customers, Sberbank has established several ways to replenish the deposit, which can be used in 2021:

• through the post office;
• at the nearest bank office;
• through the Internet service;
• through an ATM.

The deposit in rubles is closed automatically at the end of the agreement or by terminating the agreement. In any case, a citizen must enter his personal account (for online deposits) or visit the office of a credit institution in person. Termination of the contract involves the receipt by an individual of the full amount of the deposit, together with accrued interest.

Deposit insurance

Sberbank is a member of the deposit insurance system, which was introduced in 2003 by Federal Law No. 177-FZ. This means that the safety of funds is guaranteed by the state, and in the event of an insured event, individuals will receive the amount of the deposit.

Sberbank also cooperates with DIA, a social state company that provides compensation payments, including to clients of banks that have lost their licenses. The deposit of an individual is insured automatically, that is, the client does not need to perform any additional actions, including the execution of various documents.

What deposits does Sberbank insure

Deposit insurance applies to almost all deposits in rubles opened by an individual both through online services and during a personal visit to the bank's office. This category includes demand deposits and time deposits.

The state, represented by Sberbank, guarantees a full refund in 2021 (the body of the deposit + interest) in an amount not exceeding 1.4 million rubles. If the deposit was opened at a small percentage, the entire amount is returned to the client. If there are several deposits, compensation payments are made for each of them in proportion to the size of the deposit.

Summarize

1. Today there are more than 20 types of programs for individuals to preserve and capitalize deposits in rubles, offered by Sberbank.
2. Any citizen of the Russian Federation, including a minor, can open a deposit in Sberbank.
3. Deposit programs differ in interest, terms and the amount of the deposit.
4. Almost all deposits of Sberbank are insured by the state: in the event of an insured event, the client is refunded his funds in full, including accrued interest.