A deposit with Sberbank is a profitable way to invest funds and store them with the opportunity to receive additional income.
It is difficult to decide exactly which option will be more profitable for the client. Profitability depends on several factors:
- maximum rate (interest) on the deposit;
- possibility of replenishment during the entire period for which it is open;
- capitalization of income, or “interest on interest” (in this case, every month the accrued interest is added to the principal amount, and a new one is accrued from it);
- the ability to withdraw accumulated funds before the end of the term;
- the possibility of partial (or full) withdrawal before the end of the term without loss of profit;
- type of rate calculation (it may vary depending on the deposit term);
- possibility to open a multicurrency deposit.
“Save Online” and “Save.” The first option has the highest interest rate of up to 9.52% in rubles and is opened via the Internet, and the second only in the branch and the maximum rate is 9.07%.
These investments are opened for a period of 1 to 3 years, they are not replenished and, when opening them, you cannot withdraw partial cash savings.
The minimum amount is 1000 rubles.
“Replenish Online” and “Top Up”. The first option is also more profitable, the interest rate reaches 8.69%, and in the second option – up to 8.07%.
The term of deposits in both cases is from 3 months to 3 years, however, they can be replenished, but it is impossible to partially withdraw funds.
"Manage" and "Manage Online"– rate up to 7.31% in rubles, when opening online – up to 7.72%. The minimum period is 3 months, the maximum is 3 years. There is an option for replenishing and partially withdrawing cash (see).
"International"– deposits in the national currencies of Great Britain (pound sterling), Japan (Japanese yen) and Switzerland (Swiss franc). The maximum rate is 4.50% for pounds sterling, 2.65% for Swiss francs and Japanese yen.
Duration from one month to three years. No withdrawal option.
"Multi-currency"– rate up to 6.88% in rubles. Duration – 1-2 years. With the possibility of replenishment, without partial withdrawal.
"Gift a life"– charitable, for a period of 1 year, the bank transfers 0.3% every year to a fund to help children suffering from severe cancer and other diseases. The rate is 8.35% in rubles. It is not possible to top up or partially withdraw cash.
– the percentage is low – up to 2.30% in rubles, but with the greatest opportunities. There are no restrictions on the term, replenishment and withdrawal of funds.
Deposits for pensioners
Sberbank provides special favorable rates. Pensioners are considered to be men over 60 years of age and women over 55 years of age. These also include persons who have other grounds for receiving a pension.
To register a deposit, a pensioner needs a passport and a pension certificate.
A deposit can be opened both at a bank branch and through the system. The second option is more profitable, since the bank provides increased interest on investments opened via the Internet (see).
A special deposit for pensioners is “Pension Plus”. Ruble, annual rate 3.67%.. Term - three years. At the same time, it is replenished, and it is possible to withdraw funds.
Other suitable profitable investments for pensioners are “Save”, “Save Online”, “Replenish”, “Replenish Online”.
For pensioners, each of these deposits has a maximum interest rate, regardless of the amount of initial investment.
Expense calculator
You need to go to and find the “Accumulate and Save” section.
In the menu that opens, you will have access to all possible options for currency investments, and click on the one you are interested in.
On the page that opens you can see general information. Scroll down the page and find the form called “Income Calculation.”
Fill in the desired opening and closing dates point by point, and the “Duration in days” item will be filled in automatically. Indicate the desired amount. Answer questions about the possibility of capitalization and early withdrawal of funds. Indicate whether you are a pensioner or not, if such an item is included in the calculator. Then click the calculate button.
A chart will open to the right of the form indicating the average income per month and the final income for the entire period.
Compensation of Sberbank deposits in 2015
Sberbank provides compensation payments for lost money in connection with the disappearance of the Soviet bank to citizens of the Russian Federation, as well as their heirs who had an open deposit valid as of June 20, 1991.
If the deposit was closed between June 21 and December 31, 1991, then payments of monetary compensation will not take place.
Citizens born before 1945 (including 1945) are reimbursed in 3 times the amount of remaining funds (as of June 20, 1991), and for clients born in 1945 to 1991. - 2 times the size.
But there is a peculiarity - the bank returns the accumulated funds at their so-called face value. This means that 1 Soviet ruble is equal to 1 Russian ruble. In this case, previously received payments are deducted from the total amount.
Sberbank uses special coefficients that reduce payments in accordance with the deposit closing date.
Sberbank deposits for pensioners in 2020 are represented by a large line and are not limited to a couple of varieties. The list of deposit programs can be regularly viewed on the official website of Sberbank, but you need to pay attention to the special conditions that the bank offers to pensioners. As reviews indicate, Sberbank is the most reliable bank in Russia, but we will now find out how profitable its offers are for pensioners.
Interest on Sberbank deposits for pensioners in 2020
People associate a profitable deposit with profits accrued depending on the interest rate, which is only partly true. It is also necessary to look at the currency (rubles, dollars, euros) of opening and other conditions of maintenance, because the deposit must generate income and at the same time be convenient.
Preferential deposits for pensioners always come with a higher rate, but what parameters the program will have is a more important question. Sberbank’s deposit line includes new programs for all people and established programs for the country’s pension population.
These types of deposits are available to pensioners in 2020:
- Pension Plus.
- Replenish.
- Save it.
- Top up online.
- Save Online.
- Record.
To understand which accounts are the most profitable, you need to look at the interest rates on deposits for today, tariffs and conditions.
Sberbank deposit “Pension Plus”
This deposit is intended only for people receiving pension payments from the state and has high interest rates and convenient conditions:
- An account is opened in rubles.
- A person is required to keep at least 1 ruble in his account.
- The deposit can be spent and replenished without restrictions.
- There is no maximum limit set.
- The duration of the program is 3 years.
- Interest rate – 3.5% per annum.
- Quarterly capitalization of interest income.
- Automatic renewal is provided.
- If the account is closed early, the rate remains in its original form and Sberbank pays interest to the client according to the period of actual stay of the money in the account.
The best deposit offers do not always have the highest interest rates. Sberbank offers many deposit programs for individuals, but pensioners should take into account that in their case it is more important to have regular access to money.
The ability to quickly use personal funds in the account makes the Pension Plus time deposit the most optimal.
Sberbank deposit “Replenish” for pensioners
Sberbank offers a program with the possibility of replenishment during the entire validity period in order to regularly increase the amount in the account and receive more profit. For bank clients opening an account under the “Top up” program, the conditions will be as follows:
- The starting investment is from one thousand rubles or one hundred dollars.
- From 3 months to 3 years, the pensioner’s choice of contribution will be valid.
- Every month the depositor can withdraw interest or leave it on the deposit.
- It is prohibited to withdraw money from the deposit other than interest.
- 1 million rubles, 50 thousand dollars are the maximum deposit amounts. For the part exceeding the limit, 1/2 of the rate established by the contract is charged.
- There is an automatic extension of the deposit.
A distinctive feature of bank deposits for the described preferential category is that the investment amount does not influence the rate; only the selected validity period is important. From the deposit a person will be able to receive a high income, which the rates allow:
Sberbank deposit “Save” for pensioners
High interest is the main advantage of the described banking program, plus convenient conditions:
- The deposit is opened in rubles and dollars.
- The starting investment for the program is 1000 rubles, 100 dollars.
- Validity period – 1-36 months.
- Additional deposits into the deposit account are not permitted.
- Expenditure transactions on deposits of this program are not provided.
- Every month interest is added to the deposit balance.
- A person is allowed to use the interest as he wishes and withdraw it from the account.
- The auto-renewal service is enabled.
The "Save" deposit has high rates for both currencies. They depend on the chosen validity period, plus with capitalization the total income will be slightly higher.
The investment amount is not important specifically for pensioners; a minimum contribution is sufficient. The table below contains information on interest rates for both deposit currencies.
| Currency | Annual rate (standard and with capitalization) depending on the validity period (months) | ||||||
|---|---|---|---|---|---|---|---|
| 1-2 | 2-3 | 3-6 | 6-12 | 13-24 | 25-35 | 36 | |
| Rubles | 4.20% | 4.35%/ 4.36% | 4.75%/ 4.77% | 4.90%/ 4.95% | 5.00%/ 5.12% | 5.00%/ 5.25% | 5.00%/ 5.38% |
| Dollars | 0.25% | 0.25% | 0.55% | 1.35% | 1.70%/ 1.71% | 1.70%/ 1.73% | 1.70%/ 1.74% |
Sberbank deposit “Replenish online” for pensioners
This deposit cannot be opened in the usual way at a bank branch; you must submit an application in your Sberbank Online personal account. The deposit has similar conditions to the “Replenish” deposit, but the difference is that it has better interest rates due to remote opening.
Note! Only current Sberbank clients will be able to open a profitable deposit online, since only authorized users have access to the system. Login data is issued to the client the first time he contacts Sberbank for any service.
The Sberbank deposit “Replenish online” for pensioners has the following interest rates:
Other time deposits of Sberbank do not have such high rates along with the ability to manage the deposit, and therefore this is a fairly profitable option for the retired population of Russia.
Sberbank deposit “Save online” for pensioners
The conditions are completely duplicated with the “Save” deposit, except for interest rates. Of the opening methods, only Sberbank Online is also available, and therefore, pensioners who are not yet bank clients can open it after registration.
When opening an account in rubles or dollars, pensioners are charged the following rates.
| Currency | Annual rate (standard and with capitalization) depending on the validity period (months) | ||||||
|---|---|---|---|---|---|---|---|
| 1-2 | 2-3 | 3-6 | 6-12 | 13-24 | 25-35 | 36 | |
| Rubles | 4.35% | 4.50%/ 4.51% | 4.90%/ 4.92% | 5.05%/ 5.10% | 5.15%/ 5.27% | 5.15%/ 5.41% | 5.15%/ 5.56% |
| Dollars | 0.35% | 0.55% | 0.85% | 1.65%/ 1.66% | 2.00%/ 2.02% | 2.00%/ 2.04% | 2.00%/ 2.06% |
Sberbank deposit “Record”
This is a new offer from the bank, which arrived on the deposit market only in 2018. The deposit is limited in duration (opening is allowed until November 30, 2018) to obtain maximum profit. It is unknown whether the deposit will be extended further with such high rates, and therefore pensioners need to open now. This deposit is opened exclusively in national currency.
The deposit program has the following conditions:
- From 7 months to 1.5 years a person has the right to maintain a deposit with a high rate.
- To open, you will need an initial contribution of 50 thousand rubles (although the amount seems large for pensioners, the income will be felt after six months).
- The maximum investment amount is not limited.
- Sberbank does not allow account replenishment or partial withdrawal of funds.
- Auto-renewal possible.
Interest rates depend solely on the chosen investment term, of which there are only three. Within each time period, the depositor can choose a day (the deposit agreement immediately indicates the clear number of days the deposit is valid) for closing.
Interest rates on deposits are presented in the table below.
| Validity period (months) | Interest rate |
|---|---|
| 7-12 | 6.5% |
| 13-17 | 7.0% |
| 18 | 7.15% |
“Record” is the most profitable deposit in Sberbank for pensioners today. It is opened in rubles - pensioners do not need more, the amount is somewhat large, but feasible, interest rates are the highest, and the validity period of the deposit allows you to get a good income.
Important! This deposit has a significant disadvantage - if it is closed early, the investor loses all interest.
How to open a deposit in Sberbank for pensioners?
How to open a deposit for a pensioner depends on the chosen deposit program. According to the standard, there are three options for opening deposits:
- At a Sberbank branch.
- Through Sberbank Online (Internet banking or mobile banking).
- Through a Sberbank ATM.
Deposits “Pension Plus”, “Replenish”, “Save” can be opened only by visiting a branch in person. “Replenish Online” and “Save Online” deposits are opened exclusively remotely through Sberbank Online. The “Record” deposit can be opened in any of three options.
The algorithm for opening a deposit in a bank is as follows:
- Come to a convenient branch with your passport and pension certificate.
- Ask the employee to issue a form for opening a deposit for the selected program.
- Fill out the form.
- Wait until the consultant enters the person into the database (at the first time).
- Transfer money to a deposit account yourself in a convenient way, or seek help from a Sberbank consultant.
When using the Sberbank Online system to open a deposit, a pensioner must:
- Log in to your personal account using your login and password.
- Enter a one-time SMS code.
- Go to the “Deposits” section.
- Check the box next to the selected program.
- Fill in the deposit details (amount, currency, term, etc.).
- Enter the card number and the amount to transfer to the deposit account (if you want to immediately deposit money).
- Check the entered data and confirm the opening.
When working with Sberbank ATMs, everything is even simpler. You must insert the card and enter the PIN code. In the main menu, go through the sections to open a deposit and constantly follow the ATM prompts. If difficulties arise, you can contact a bank employee.
Conditions for early termination of deposits in Sberbank
Early termination is a process when the investor withdraws all money from the deposit ahead of schedule. Interest rates during this process are often very variable and a pensioner should always find out the terms of the program before opening a deposit.
The “Pension Plus” deposit is beneficial in this regard - the rate remains unchanged if closed early. The “Record” deposit account will not be profitable at all; if closed early, the “On Demand” rate will be charged.
But for the rest of the line of deposits (standard programs and those marked “Online”), interest income is calculated after calculating the actual time the money remains in the bank. Regardless of whether the deposit is opened in rubles or dollars, rates for early closure will be set according to the data in the table.
If, according to the terms of the deposit, the maximum deposit amount is not established, then you only need to look at the column in the table “When the deposit amount is less than the limit.”
Calculator
The official website of Sberbank will help you not only find out the conditions of any deposit, but also calculate the benefit from investments for each program. The online calculator is located on each deposit page below.
You need to enter the amount, investment currency, term, check the boxes next to additional parameters of interest, indicate the amount and frequency of incoming or outgoing transactions. The calculator will calculate and show the interest rate, the amount to be issued at the end of the term and the amount of net income.
Deposit amount
Interest rate (%)
Deposit term (months)
Monthly interest
reinvested withdrawn
Sberbank's preferred deposits combine the advantages of current and time deposits for women over 55 years old and men over 60 years old with permission to retire. Clients over 60 years of age are provided with additional allowances when placing funds on the Sberbank Online website.
Attractive deposit conditions
The Security Council of the Russian Federation has developed a line of banking products for pensioners under the “Golden Years” program. The range of offers includes attractive conditions for placing deposits, obtaining loans and bank cards. Pensioners are offered standard deposits for individuals, but with the highest possible rates, regardless of the amount of investment.
Preferred deposits of Sberbank for pensioners are a stable income and a reliable way to increase their savings. The maximum interest on a deposit in rubles is 11.34%, the minimum minimum balance is only 1 ruble. The promotion is valid from May 20, 2015.
The current legislation provides for state deposit insurance. If the bank fails to fulfill its obligations, the client receives compensation from the Deposit Insurance Fund. The maximum amount of payments in 2015 reaches 1.4 million rubles. per individual.
If you previously opened a deposit on general terms and upon retirement, the rate increases automatically. The contract is renewed automatically.
The main convenience lies in the “telling” names: “Replenish” allows you to increase deposits, “Save Online” offers savings without withdrawal, but with maximum premiums, “Pension-plus” calculates interest rates on pension income.
Features of deposits for pensioners
A brief overview of special deposits for pensioners in SB allows you to choose the ideal option based on the needs of depositors: capitalization, the ability to replenish savings and withdraw cash, etc.
"Save"
Opening a deposit gives the right to an interest rate of 8.05% (9.07% with capitalization) subject to the accumulation of a deposit of 1 thousand rubles. in 3 years. Other individuals who do not belong to the category of pensioners are invited to open a “Save” deposit with a first payment of 700 thousand rubles!
"Pension-plus"
The benefit of investment lies in the main advantages:
- Transfer of pension income from the Pension Fund.
- Transfer of payments for housing and communal services.
- Cash withdrawal on weekdays.
- Small savings for upcoming expenses.
The deposit is characterized by minimum rates of 3.5% and quarterly capitalization.
"Replenish"
An excellent solution for quickly accumulating a large amount. The program is designed for unlimited replenishment of investments at a time convenient for the client. The calculation of rates depends on the term of the deposit: the minimum premium on ruble deposits varies from 3 months, progressive increase of funds is ensured upon concluding a contract for 3 years. The maximum income from foreign currency deposits is provided for a period of 12-24 months.
The duration of the contract is determined by the client. Current contributions are credited at bank branches in cash from 1 thousand rubles. (100 euros or dollars), and non-cash transfers without setting a limit. Automatic extension of investments is provided. Interest is withdrawn every month or it is added to the total deposit.
Savings certificate
To increase income, a Savings Certificate is issued. Interest rates on savings certificates vary from 0.01 to 13.25%. The security is issued to the bearer. It does not indicate your full name. depositor. And non-registered deposits are not subject to compulsory insurance. Making deposits for a long period (24 - 36 months) does not guarantee favorable actual inflation over these years.
Making deposits online
Attractive conditions for depositors are guaranteed when opening a deposit through your Sberbank Online personal account. Activation and use of Internet banking is absolutely free. Connecting the function via a personal computer in the Internet coverage area allows you to carry out transactions on a card account and deposits, and pay for housing and communal services in any corner of the world in the shortest possible time.
The operation of opening an account is carried out in several steps:
- After registering on the website https://online.sberbank.ru/CSAFront/index.do, you must select the “Deposits and Accounts” category.
- In the “Opening a Deposit” section, the conditions of current programs are provided.
- Once you have made your choice, you can click the “Continue” button.
- After filling out the application, you should indicate the write-off account, the amount of transfers and the term of the agreement, and click the “Open” button.
- The deposit is open.
Execution of an agreement at a bank branch
Placement of deposits with preferences for elderly people is carried out upon presentation of a pension certificate and passport. When completing the contract, it is possible to obtain additional documentation:
- passbook;
- new plastic card or assigning a deposit to a valid Maestro Social card.
Deposits are opened in domestic and foreign currencies:
- Rubles.
- Doll. USA.
Based on the form of opening, there are 2 types of deposits:
- Issued through the cash register.
- Opened through Sberbank Online.
Conditions:
- High rates do not depend on the deposit volume.
- Automatic transition to higher rates from those proposed in the Security Council for retirement and extension of the contract.
Registration of investments through savings banks (in cash)
Time investments with high rates:
Term investments in US dollars and EURO
Deposits in EURO:
Conditions for making deposits through Sberbank Savings Bank
Interest rates are used in the chosen way:
- Added to the total investment to increase income in the next period.
- Withdrawal.
- By transfer to a bank card.
Making deposits through Sberbank Online
A debit card is used to manage deposits online. Placing deposits “Save Online” and “Replenish Online” attracts more tempting offers.
Online deposits for 2015 - in rubles.
