Sberbank new deposits by May. “Your Victory” is a new deposit of Sberbank of Russia. Replenish your deposit at any time
Today, deposits in Sberbank are less profitable than in many other banks. However, residents of Moscow, St. Petersburg, Krasnodar and many other Russian cities, when choosing a place to invest, often choose this particular bank as the most reliable one.
Line of deposits for individuals in Sberbank today is simple and understandable:
√ under maximum percentage- "Save";
√ replenishable - "Replenish";
√ with replenishment and partial withdrawal of money without loss of interest - "Manage".
In addition to offers from the basic line, Sberbank offers seasonal promo deposits several times a year, but today there are none.
It should be noted that for clients of retirement age - on deposits "Save", "Replenish", "Save Online", "Replenish Online" the maximum interest rate is set for the selected period, regardless of the amount. See the conditions and interest rates of Sberbank offers for pensioners >>
Sberbank deposits can be opened in Russian rubles and foreign currency (US dollars). It is possible to make deposits in the branch and online via the Internet. There are special offers with increased profitability for premium customers >>
Here, perhaps, is all the general information that you need to know before studying in detail the interest rates and terms of deposits in order to identify the most advantageous offer.
How to choose the most profitable Sberbank deposit for today - in 2020
We will answer this question based on what goals the client pursues when opening a deposit with Sberbank. Let's say he wants...
Withdraw money from the deposit at any time
In this case, the only, and therefore the most profitable option for the client will be the execution of the “Manage” deposit. There are two ways to open it: at a bank branch or remotely. The second option is more profitable.
Deposit of Sberbank "Manage"
A deposit for the safe storage of your savings with the possibility to withdraw part of the funds before the expiration of the deposit without loss of interest. Refillable. Opens at a branch, via the Internet or at an ATM.
Conditions
☑ Minimum amount: 30,000 rubles / 1,000 US dollars.
☑ Partial withdrawal without loss of interest: up to the level of the minimum amount of the minimum balance without loss of accrued interest.
☑ An increase in the interest rate: when the deposit amount increases to the next amount gradation and when an additional agreement is concluded to increase the amount of the minimum balance.
Terms of interest
- Interest is calculated monthly on the entire amount of the deposit (the interest rate depends on the amount of the minimum balance).
- Accrued interest is added to the deposit amount, increasing income in the following periods.
Interest rates
(without capitalization / with interest capitalization)
In rubles
|
Term and minimum balance |
3-6 m. |
6-12 m. |
1-2 years |
2-3 years |
3 y. |
|
from 30 000 |
3,4%
|
||||
|
from 100 000 |
3,65%
|
||||
|
from 400 000 |
3,8%
|
In US dollars
|
Term and minimum balance |
3-6 m. |
6-12 m. |
1-2 years |
2-3 years |
3 y. |
|
0.20 / 0.20 |
|||||
|
0.25 / 0.25 |
|||||
|
0.30 / 0.30 |
Replenish your deposit at any time
In this case, there are 2 options: to issue deposits "Manage" or "Replenish". The conditions of the first of them we have considered above. We recall that it will be beneficial if, in addition to replenishing your account, you also intend to withdraw funds when they are required. If there is no need to spend funds from the deposit, then it would be better to issue a “Replenish” deposit.
See also, the most profitable replenished deposits - an overview >>
Sberbank deposit "Replenish"
A replenishable deposit for those who prefer to save and regularly save money in a reliable bank. Opens at a branch, Internet bank or ATM.
Conditions
☑ Term: from 3 months to 3 years inclusive;
☑ Replenishment: cash - from 1,000 rubles / 100 US dollars. Cashless - not limited;
☑ Interest rate increase: automatically upon reaching the next amount gradation.
Terms of interest
- Accrued interest can be withdrawn, as well as transferred to the card account.
Interest rates
To date, the profitability of the deposit does not depend on the method of registration. When opening at a branch, Internet bank or ATM, the interest is the same!
(without capitalization / with interest capitalization)
In rubles
|
Term and amount |
3-6 m. |
6-12 m. |
1-2 years |
2-3 years |
3 y. |
|
from 1 000 |
3,75%
|
||||
|
from 100 000 |
4%
|
||||
|
from 400 000 |
4,15%
|
In US dollars
|
Term / amount |
3-6 m. |
6-12 m. |
1-2 years |
2-3 years |
3 y. |
|
0.30 / 0.30 |
|||||
|
0.40 / 0.40 |
|||||
|
0.45 / 0.45 |
|||||
|
0.50 / 0.50 |
Get maximum income
If you do not need to replenish the deposit or partially withdraw money, then you can get more favorable interest. In this case, today you can make deposits "Save" or "Give life".
Sberbank deposit "Save"
Deposit of individuals for reliable savings and obtaining a guaranteed stable income. Without the possibility of replenishment and partial withdrawal without loss of profitability. Opens at a branch, online or at an ATM.
Conditions
☑ Term: from 1 month to 3 years inclusive;
☑ Minimum amount: 1,000 rubles / 100 US dollars.
☑ Replenishment: not available;
☑ Partial withdrawal without loss of interest: not available.
Terms of interest
- Interest is calculated monthly.
- The accrued interest is added to the deposit amount, increasing income in the following periods (capitalization).
- Accrued interest can be withdrawn, as well as transferred to the card account.
Interest rates
To date, the profitability of the deposit does not depend on the method of registration. When opening at a branch, Internet bank or ATM, the interest is the same!
(without capitalization / with interest capitalization)
In rubles
|
Term and amount |
1-2 m. |
2-3 m. |
3-6 m. |
6-12 m. |
1-2 g |
2-3 g |
3 g |
|
4,10 /
|
|||||||
|
over 100000 |
4,35 /
|
||||||
|
over 400000 |
4,50 /
|
In US dollars
|
Term and amount |
1-2 m. |
2-3 m. |
3-6 m. |
6-12 m. |
1-2 g |
2-3 g |
3 g |
|
0.65 / 0.65 |
|||||||
|
0.75 / 0.75 |
|||||||
|
0.80 / 0.80 |
|||||||
|
0.85 / 0.85 |
Deposit "Give Life"
This is a ruble deposit for those who are ready not only to save money, but also to help those in need - 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.
Conditions
- Term: 1 year;
- Minimum amount: 10,000 rubles.
- Replenishment: not provided;
- Partial withdrawal: not provided.
- Capitalization: provided.
Interest rate
4.58% per annum with capitalization;
4.50% per annum without capitalization.
The Great Victory means a lot for each of us, therefore not only people, but also the largest organizations of the country try to join in its celebration in one way or another every year. Sberbank of Russia, in honor of the 70th anniversary of this significant event, offered current and potential clients to open a special deposit called “Your Victory”.
In order to use this unique banking product, it is enough to have at least 10 thousand rubles which had to be deposited during April-May 2020. The contribution Your Pobeda from Sberbank has one interesting feature: the larger the amount of funds deposited, the greater the percentage charged on them.
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However, speaking about this banking product, perhaps, it is worth focusing first of all not on one's own benefit, but on the support of veterans provided with its help.
Prerequisites for the appearance
Due to the difficult situation in our country in last years, the entire economy is suffering, including the banking sector.
In such circumstances, customers are trying to find the most advantageous offers that will allow them to at least not be in the red with the next round of inflation. In addition, many began to worry about whether their deposit was insured, and whether they could get their money back if suddenly another bank went bankrupt.
Against this background, it is important for banks to demonstrate stability in order to attract customers, as well as regularly launch new products on the market that provide them with a competitive advantage. One of these products can definitely be called the Vash Pobeda deposit from Sberbank.
The end of 2020 was marked by a significant increase in inflation and a depreciation of the domestic currency. According to the Central Bank, during the year there was an increase in the volume of foreign currency deposits by almost 1.9 trillion rubles.
The exchange rate of the ruble is largely dependent on the stability of the country's economy, and with each occurrence of serious problems, there is an increase in deposit volumes in foreign currency and a fall in rubles.
This phenomenon is explained by the greater stability of the dollar and the euro, which enable depositors, if not to earn, but at least to keep their savings guaranteed.
The onset of some stabilization of the situation with the ruble in the first half of 2020 calmed the panic mood, and our fellow citizens again carried money to banking institutions, although the latter began to offer less attractive rates.
Due to the significantly higher profitability of ruble deposits compared to foreign currency deposits, deposits in the national currency began to gain popularity again.
After the ruble managed to strengthen in the spring, the Central Bank lowered the key rate, which led to a change in the conditions offered by commercial banks for deposits.
Naturally, the reduction in rates had a negative impact on the attractiveness of the products of credit institutions, which, in order to fight for customers, had to look for non-standard approaches and make some kind of exclusive offers.
One of them was the deposit program of Sberbank, timed to coincide with the 70th anniversary of the end of the Great Patriotic War. It combines rather high stakes with the opportunity to feel like a philanthropist, which was to your liking. a large number clients.
Registration of the deposit program "Your Victory" in the branch of Sberbank
Service Details
Conditions
| Deposit currency | Rubles |
| The minimum amount of the deposit | 10 thousand |
| Duration | 6 months |
| Time to receive interest | At the end of the stipulated period |
| Possibility to increase the amount during the term | Is absent |
| Possibility of partial withdrawal | Present, but with certain restrictions |
| Capitalization | Not provided |
| Possibility of early termination of the deposit agreement | Present, but in this case, the payment is made at the demand rate - 0,1% per annum |
| Extension of the term of the deposit | Not provided |
| Rate growth over time | Is absent |
| Opportunity to open a deposit remotely | Present, using branded Internet banking |
Interest rates
The principle of calculation and payment terms
This banking product provides for special conditions that have a limited validity period of six months. Although after the end of this period there is no need to withdraw the deposit from the bank, since it will be automatically extended but already on completely different, unfavorable conditions, - 0.1 percent per annum.
One of the features of the deposit is that the percentage depends on the amount deposited: the larger it is, the higher the percentage and, accordingly, the depositor's profit. It should only be borne in mind that the interest rate is indicated in annual terms, while its terms are calculated for six months.
Accordingly, by introducing from 10 thousand to half a million rubles, after six months you can additionally receive 6 percent from the amount, from half a million to a million - 6.25 percent over a million 6.5 percent.
One ruble from each thousand invested under this program will be directed to provide comprehensive assistance to those who had a chance to personally experience all the horrors of the war
Amount Control Example
Consider on concrete examples, what profit can be obtained from this deposit program, depending on the amount deposited:
The main advantages of the deposit Your Pobeda from Sberbank
The main advantages of this deposit are:
- shortened reporting period - interest is calculated not once a year, as in traditional deposits, but once every six months;
- the possibility of withdrawing accrued interest at the end of the six-month period, while leaving an irreducible amount on the account (at least 10 thousand rubles);
- early withdrawal of the deposit at any time without penalty;
- high interest rate compared to other similar offers of banks available on the market;
- the possibility of depositing funds remotely, without visiting a bank branch, through Internet banking;
- the possibility of opening a deposit by citizens of other states upon providing a minimum package of documents;
- stability and security of funds, confirmed by many decades of Sberbank's flawless work.
APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.
Sberbank has launched a special “Your Victory” deposit with increased interest rates, timed to coincide with the 70th anniversary of Victory in the Great Patriotic War.
The “Your Victory” deposit can be opened for a period of 6 months, the minimum investment amount is 10 thousand rubles. Interest on the deposit is calculated at the end of the term, and the maximum rate is 13% per annum. In addition, under the terms of the product, the client is given the opportunity to take part in a charity program conducted by the All-Russian Public Organization of Veterans "Russian Union of Veterans" and provide assistance to veterans.
“Support for socially vulnerable segments of the population is an important part of Sberbank's activities. The Bank is aware of its responsibility for the implementation of socially significant projects and treats veterans with special care. The launch of the Your Victory deposit will help provide targeted assistance to veterans and war invalids,” commented Natalya Alymova, Director of the Department of Retail Non-Transactional Products at Sberbank.
The unstable economic situation in the country also affects the banking sector. Interest rates on time deposits are changing along with the ruble, and banks have to pay great attention to the problem of attracting customers. In order to maintain the interest of depositors, credit institutions have to update the line of deposits. Today we will talk about the new deposit "Your Victory" from Sberbank, and compare it with the offers of competitors.
How rates changed at the end of 2014-2015
The end of 2014 was remembered for rising inflation and a sharp rise in the dollar and euro. According to the calculations of the Central Bank, the volume of foreign currency deposits increased by 1.89 trillion rubles over the year.
The exchange rate of the ruble largely depends on the economic situation in the country, therefore, as soon as serious problems arise, the volume of foreign currency deposits grows, and ruble deposits decrease. This is explained by the fact that the stability of the dollar and the euro is much higher, therefore, during a crisis, investors are oriented not to receive a high income, but to preserve their savings.
In the first half of 2015, the situation with the ruble more or less stabilized, the panic passed, and the Russians began to return money to banks, despite the fact that rates had fallen. The popularity of deposits in rubles has increased again, because their profitability is an order of magnitude higher than that of foreign currency deposits. In addition, experts recommend placing funds in the currency in which you receive income. In any case, it is more profitable than converting it first, and then making a deposit at a low interest rate.
After the spring strengthening of the ruble, the Central Bank lowered the key rate, which immediately led to a change in the conditions for deposits in commercial banks. If in winter it was possible to make a deposit at 18%, then this moment average rates fell to 10.67% per annum.
After lowering rates, it has become more difficult for credit institutions to attract customers, so they have to use a non-standard approach and develop deposit programs with a twist. For example, Sberbank, for the 70th celebration on May 9, timed the “Your Victory” deposit with high stakes and charitable function. It was only possible to open an account until mid-May, but this good example charity program, which is interesting to compare with the offers of other banks.
Deposit terms
It was possible to draw up an agreement for six months, and the minimum amount of placement of funds was 10,000 rubles. Interest under this program is accrued at the end of the term, and the rate reaches 12% -13% per annum (depending on the amount of the deposit). It is not allowed to withdraw money or replenish the deposit before the end of the contract.
Overview of charitable programs
At the moment, only a few credit organizations implement charitable programs and strive to help those in need. In addition to Sberbank, Alfa-Bank practices constant cooperation with various funds. By making a Life Line deposit, you can help seriously ill children. On a monthly basis, 0.05% of the deposit amount will be transferred to the fund from the amount of interest.
Interest on the deposit is calculated monthly and transferred to the account from which they can be withdrawn. It is not allowed to replenish the deposit or withdraw money from it before the end of the contract period. You can place funds for a year in the amount of 50,000 rubles. The interest rate is 9.80% per annum.
Uralsib Bank offers its customers to help children left without parental care. For this purpose, the contribution "A worthy home for children", developed jointly with the Victoria Charitable Foundation, is presented. As part of the project, the construction of the children's village "Victoria" is being completed and social apartments are being equipped for graduates of children's institutions.
From each deposit, Uralsib sends 0.5% of the amount, taking into account additional contributions to finance the charitable program (for example, Alfa-Bank transfers 0.05% of the deposit amount). The initial amount is only 5,000 rubles, and the term is 91.181 and 367 days. Replenishment of the deposit is allowed, and interest is accrued once every three months and paid to the depositor. The rate depends on the term and reaches 13% per annum for 181 days, in other cases the percentage decreases to 11.5% per annum.
Over the past few years, before the Victory Day celebration, Sberbank has been providing its customers with new Banking services, which are dedicated to May 9th. These events are held with the aim of attracting the bank's clients to help veterans, based on charity.
Each depositor of the bank can receive not only profitable offers, but also make a donation to the special fund "Memory of Generations". The task of this fund is to support veterans before the holiday, which has been held for several years in a row.
The “Memory of Generations” deposit can be issued by any client of the bank by contacting a branch of a financial institution or using Internet banking services. This offer is valid for 3 months. In 2018, the deposit can be opened from April 13 to May 31 inclusive.
The main advantage of this deposit is a high interest rate of 6.4%-7%. Interest is calculated immediately after the end of the contract. The promotion is valid only for deposits in the national currency (rubles) and does not imply replenishment or partial withdrawal funds.
The contribution is charitable, so each depositor with 1 thousand rubles can donate 1 ruble for the needs of veterans Russian Federation. All transfers are made after the deposit is closed and all interest is accrued to its account.
The deposit has a social orientation. By opening this deposit, you can accumulate a considerable amount of funds in a short period of time, as well as provide material assistance to veterans of the Russian Federation.
Terms of the new deposit for Victory Day 2018
The deposit can be opened for 3 months. The contribution must be in rubles. The minimum deposit amount must be at least 10 thousand rubles. Replenishment and withdrawal of funds from the deposit account is not provided.
The interest rate directly depends on how much was deposited. For example, for amounts from 10 thousand to 1 million rubles, the rate is 6.4%, and for amounts over 1 million rubles - 7%. Money can be withdrawn or transferred to a client account.
If the depositor has not closed the deposit on time, it will be automatically transferred to the "On Demand" deposit.
Contributors to the new deposit by Victory Day can issue a power of attorney for investments or make a will for the amount of the deposit.
If the deposit is closed before the end of the contract, transfers to the charitable foundation are not made.
