Deposits at Sberbank

Standard

Sberbank has developed several programs available to all individuals. This means the deposit terms do not impose major restrictions. These include the "Sokhranyay" (Save), "Popolnyay" (Replenish), and "Upravlyay" (Manage) deposits.

Sokhranyay

This deposit is suitable for depositors who want not only to save funds, but also to get the maximum return on them. Therefore, this tariff plan does not provide for the possibility of replenishing or partially withdrawing money from the account.

Deposit characteristics:

• term — from one month to three years;
• amount — from 1,000 RUB;
• interest rate — up to 3.56% depending on the amount and term;
• currency — Russian rubles or US dollars.

Popolnyay

The terms of this deposit allow account replenishment throughout the entire validity period of the deposit, making it suitable for clients who are saving a certain amount for a specific goal. As in the previous case, partial withdrawal is not available, which means you can only get your money back by terminating the contract early.

Characteristics:

• term — from three months to three years;
• amount — from 1,000 RUB;
• interest rate — up to 3.09% depending on the amount and term;
• currency — Russian rubles or US dollars.

Upravlyay

Unlike the two previous deposits, this tariff provides for both account replenishment and partial withdrawal of money from it. You can only withdraw an amount if it does not exceed the minimum balance, which for this deposit is 30,000 RUB.

Characteristics:

• term — from three months to three years;
• amount — from 30,000 RUB;
• interest rate — up to 2.56% depending on the amount and term;
• currency — Russian rubles or US dollars.

With increased rates

Deposits with increased rates are intended for premium-tier clients and imply more attractive service conditions — a higher interest rate. At the same time, the initial investment amount is higher than for similar products. Sberbank has developed only two such programs: for holders of the Sberbank First service package and for Sberbank Premier clients.

For holders of the Sberbank First service package

Sberbank First is a range of services for premium-tier clients. Three tariffs have been developed for them: "Lider Sokhranyay", "Lider Upravlyay", and "Lider Popolnyay".

Name	Lider Sokhranyay	Lider Upravlyay	Lider Popolnyay
Annual rate	up to 3.90% for ruble accounts; up to 0.75% for dollar accounts	up to 2.75% for ruble accounts; up to 0.15% for US dollar accounts	up to 3.35% for ruble accounts
Amount	from 5 million RUB; up to USD 150,000	from 5 million RUB; up to USD 150,000	from 5 million RUB
Term	from one month to three years	from three months to three years	from three months to three years
Terms	without top-up and partial withdrawal options	with top-up and partial withdrawal options not exceeding the minimum balance amount	with top-up option, but without partial withdrawals

For Sberbank Premier clients

Just like in the previous case, these deposits are intended for premium-tier clients. Sberbank has also developed three programs for them: Special Sokhanyay, Special Popolnyay, and Special Upravlyay.

Name	Special Sokhanyay	Special Upravlyay	Special Popolnyay
Annual rate	up to 3.66% for ruble accounts; up to 0.50% for US dollar accounts	up to 2.63% for ruble accounts	up to 3.20% for ruble accounts
Amount	from 700,000 RUB	from 700,000 RUB	from 700,000 RUB
Term	from one month to three years	from three months to three years	from three months to three years
Terms	without top-up and partial withdrawal options	with top-up and partial withdrawal options not exceeding the minimum balance amount	with top-up option, but without partial withdrawals

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Deposits on special terms

Sberbank also offers special programs for socially vulnerable population groups: pensioners, people with disabilities, and orphans. Higher rates are provided for them.

Name	Social	For pensioners	Podari Zhizn
Who can open	Orphans, children left without parental care, Great Patriotic War veterans, and people with disabilities	Anyone receiving pensions and social benefits	All Sberbank clients
Annual rate	up to 1.95 %	up to 3.67 %	up to 3.44 %
Amount	from 1 RUB	from 1 RUB	from 10 thousand RUB
Term	3 years	3 years	1 years
Terms	with top-up and partial withdrawal options not exceeding the minimum balance amount	with top-up and partial withdrawal options not exceeding the minimum balance amount	without top-up option, but with partial withdrawals not exceeding the minimum balance amount

Note. "Gift of Life" is not a deposit for socially vulnerable groups. This deposit can be opened by any Sberbank client who wants to engage in a bit of charity work. Under its terms, every three months the bank transfers 0.3% per annum of the total amount placed in the account from the accrued interest to the "Gift of Life" charitable foundation.

Requirements for Sberbank depositors

Sberbank does not impose special requirements on depositors. It is important for the bank that their client is of legal age and provides all required documents upon first request.

To open an account, the prospective depositor will need to provide the following information:

• passport of a citizen of the Russian Federation;
• A TAX ID (INN);
• pension certificate in case of opening Pension Plus.

How to calculate deposit yield

An easy way to calculate the yield of your future investment at Sberbank is to use the calculator on their official website. To do this:

1. Find the deposit you are interested in in the catalog and open it in a new window.
2. Scroll down slightly — right after the description of the banking product's terms, you will find the online calculator.
3. Enter the amount you are ready to deposit upon opening and specify its term.
4. If you want to open a deposit online, are a pensioner, or want to factor in capitalization, check the corresponding boxes.
5. Up-to-date information on the annual rate and investment income will appear to the right of the calculator.

You can also calculate the yield yourself using a formula. It is done as follows: multiply the amount you are ready to deposit by the annual interest rate and the deposit term.

The calculation will look a bit more complicated if it includes capitalization. In this case, the formula will look like this:

K1+/100t,

where K is the initial investment amount,

— interest rate,

t — number of capitalizations per year.

How to open a deposit at Sberbank

You can open a deposit at Sberbank by: visiting a bank branch, using Sberbank Online, via the Sberbank mobile app, and through the network's ATMs. Let's look closely at how to deposit money with interest using each option.

Sberbank Branch

You need to come to the nearest bank branch with your passport and retirement certificate (only if you are opening a deposit under special conditions), take a ticket, and wait for your turn. Then a Sberbank employee will open an account in your name, and all you need to do is sign the agreements and make the initial deposit through the cashier.

Sberbank Online

To open a deposit via Sberbank Online, you need to:

1. Log in to the system.
2. Open the "Deposits and Accounts" section.
3. Click the "Open Deposit" button.
4. Select a tariff.
5. Fill out the application and confirm the action.

Mobile banking

Opening a deposit through the bank's mobile app is even easier. To do this, simply:

1. Log in to the app.
2. Find the "Deposits and Accounts" section.
3. Select the desired tariff.
4. Fill out the application and confirm the actions.

ATMs

You can open a savings account via the network's ATM as follows:

1. 1. Insert your card or tap it against the ATM and enter your PIN.

1. Open the "Personal Account, Information and Services" tab.
2. Then — "Operations with Accounts, Deposits and Loans".
3. Select the "Deposits" and "Opening" section.
4. Select the conditions of interest.
5. Specify the opening conditions.
6. Confirm the application.

When using ATMs, the user is advised to keep the receipt, as it serves as proof of concluding the account opening agreement.

What nuances to consider to choose a profitable deposit

When choosing a deposit, be sure to check all the nuances, even if they seem minor to you, because even small details can significantly affect the amount of income from the deposit. What factors need to be considered:

1. The annual interest rate taking into account your conditions. You might choose a deposit after seeing an advertisement mentioning a high interest rate, but in reality, it will only apply for a large initial deposit, and you will be offered worse terms.
2. Capitalization. The yield of a deposit with capitalization will be higher because during the year the bank calculates interest on the amount in the account, and at the end of the billing period when calculating the rate, the bank will also take them into account.
3. Term. The longer it is, the higher the annual interest rate.
4. Top-up option. If you are sure you will not be adding money to the deposit, choose one that does not allow top-ups. As a rule, the yield of such a banking product is higher.
5. Early withdrawal option. The lowest rates are set precisely for such deposits, and some banks even include a clause implying the cancellation of interest accrual in case of early contract termination.