Sberbank deposits pension interest on deposits. Was the page useful to you? General rules for Sberbank deposits

Sberbank of Russia has developed for 2016 a line of excellent deposits for individuals, maximum percentage– up to 10.00% per annum.

Of course, you will say that in other banks the rate is higher, reaching 15% per annum (in stock offers, even higher), but it just so happens that the shortfall in interest in this case is the price for the reliability, stability and convenience of our “giant” banking spheres.

This line has deposits for every taste and color: with capitalization, without it ( monthly payment to the account), for those who like to top up, and for those who withdraw a lot, multicurrency (ruble, dollar, euro), and super multicurrency (the set of currencies is simply shocking), for pensioners, and those who are not indifferent to the fate of a child with cancer.

In terms of terms, deposit products are available, from 1 month to a permanent deposit (“Savings account”).

1. Deposit “Save” from Sberbank

The “Save” deposit is provided with capitalization (rate up to 9.07% per annum), and without it, with monthly transfer interest on the card account (up to 8.05%).

Replenishment of the deposit and withdrawal from it are not permitted.

You can make a deposit for a period from 1 month to 3 years, in three currencies (maximum rate in dollars - 2.22%, euros - 1.17% per annum).

Minimum opening amount: 1000 rubles, 100 euros or dollar.

Conditions under early termination the following: if the deposit is kept for less than six months, the rate is reduced to 0.01% per annum; if the deposit is held for more than six months, 2/3 of the percentage required for this program is retained.

And one more nuance that will be of interest to our citizens of retirement age. Since the highest rates are given for large amounts (700 thousand - 2 million rubles), then for individual pensioners, a preferential condition has been introduced for 2016 - regardless of the deposit amount, the rate is set according to the maximum value, naturally, for each specific program it will be vary.

2. Deposit “Manage”– withdrawal without loss of interest

The main advantages of this product are withdrawals and replenishments throughout the entire deposit period.

Withdrawals are only possible up to the minimum balance.

Date from three months before three years, minimum amount: 30 thousand rubles, 100 euros or a dollar (you can top up from 1 thousand rubles).

Interest accrual at your choice: either with capitalization back to the account, or monthly withdrawal (for example, to a bank card).

The maximum interest is 7.31% per annum (capitalization), 7.20% - if you choose monthly interest withdrawal (in euros up to 0.86%, dollars - 1.80%).

Note: * – rate for interest capitalization.

3. Deposit “Top up”– choose the best conditions

An excellent product of Sberbank, for those who prefer to save money gradually, but at the same time receive high percent.

The minimum amount for opening a deposit account is only 1 thousand rubles (can be opened in dollars and euros - from 100).

You can choose capitalization or payment of interest to the account for withdrawal, they are accrued monthly.

Withdrawals are not allowed, replenishment of the deposit from 1000 rubles is welcome, the deposit period is from 3 months to 3 years.

Maximum rate: with capitalization – 8.07% per annum, without it (to the card account) – 7.65%(to receive it, you need to make a deposit of 700 thousand rubles, for a period of six months to a year, see the table under the product description).

There are preferential conditions for Sberbank pensioners - for any deposit amount, the maximum percentage is assigned (7.65 - 8.07% per annum).

Note: * – rate for interest capitalization.

4. Deposit for the “Happy Year” promotion– with maximum percentage

You can get up to 10% per annum - this is the highest rate of Sberbank at the moment, but to take it, you need to invest at least 10 million rubles.

For a deposit amount from 150 thousand rubles to 1 million - 9% per annum, from 1 to 10 million - 9.50% per annum.

One minus - very large sum opening a deposit, from 150 thousand rubles.

Opens for a period: in rubles - 9 months, dollars and euros - 10 or 18 months.

Deposit and withdrawal operations are not permitted by the banking agreement.

You can make a deposit at any Sberbank office, and there is also the possibility of opening it remotely through Sberbank Online.

5. Deposit “Give Life”– help sick children

Charitable contribution – helping seriously ill children.

Once a quarter, the bank transfers 0.3% per annum from each depositor of this program to a charity fund.

Interest rate: with capitalization - 8.35%, with quarterly interest withdrawal - 8.10% per annum.

The minimum amount is only 10 thousand rubles, the deposit period is 12 months.

The deposit is not replenished, without partial withdrawal.

6. Deposit “Multi-currency”– opens in 3 currencies

You can place simultaneously in rubles, dollars or euros.

The rates are very low: rubles - up to 6.88% (without capitalization - 6.55% per annum), dollar up to 1.78%, euros - 0.91% per annum.

Very low opening thresholds: 5 rubles / dollars / euros. Duration from 1 to 2 years.

Withdrawals are not allowed, but you can top up from 1 thousand rubles, or 100 dollars / euros.

Interest is accrued once a quarter, they can be “used” for capitalization, or withdrawn to the card.

7. Deposit “Pension Plus”– increase your pension

Except special conditions for pensioners of Sberbank in products (described in detail above): “Save”, “Manage”, “Replenish”, the bank’s arsenal also includes separate program for Russian citizens of retirement age.

True, compared to the rates described above (which, as we know, pensioners can use to the maximum, regardless of the deposit amount), the percentage here is very insignificant - 3.55% per annum with capitalization, and 3.50% without it.

In defense of this product, we can say that despite the low rate, there are comfortable conditions here, for example: unlimited replenishment, withdrawal up to a minimum balance, the minimum deposit amount is 1 ruble.

The deposit term is three years, interest is accrued quarterly.

This concludes the review of deposit programs at Sberbank, I hope you will find the information you need in it.

Deposits for the population

To show you what an opportunity it is to not only save, but also increase your savings, let’s look at Sberbank deposit programs for individuals for 2016 and for pensioners. After all, this social group citizens need different conditions. But it does not mean. That they are inferior, and the bank does not provide services on an equal basis with other categories of clients.

Options for saving and increasing funds for pensioners

First of all, in the best possible way When receiving a pension for citizens, it will be transferred to the card, because this eliminates the long wait in line at the cash desk. But many older people have health problems. That's why cashless payments will be the best option. And the human factor is excluded. After all, the cashier may make a mistake, and the pensioner may not immediately check the money received.

Receiving money on a card from a bank will protect you from the attacks of thieves who may specifically be waiting for pensioners on the day the pension is issued. You will not be cheated at the checkout by giving you the wrong change. And also cards issued by Sberbank will allow you not only to save, but also to increase your funds.

Unlike the usual bank card, using the “Social” card you receive an increased interest rate on the balance in your account. And you don’t have to worry about the safety of your money. It is enough to read the simple instructions attached to the card in paper form, or located on the official website of Sberbank. Also, if you are interested in deposit programs from Sberbank for individuals for 2016 and for pensioners, and the cards offered by the bank, as well as how to use the Social card, you can ask our consultants for the information you need.

How to ask our consultants a question

1. Use the form on the website to submit a request.
2. Please take some time to fill out the form.
3. Please indicate the essence of your question

You will receive all the information you need promptly. Your questions will be answered in detail by our consultants. You can feel free to ask, even if your questions seem stupid to you.

Card "Social"

1. Card service is free
2. You receive 3.5 percent annual income on the balance on the card
3. You can get an additional card to your account and give a gift to your grandson
4. Cash withdrawals in the Sberbank network not only in the Russian Federation. But also in foreign branches, on equal terms
5. The card is issued for a period of three years

You must be an adult to receive a primary card. Additional card you can release for persons aged seven years and above. You just need to contact the bank office and provide a document that confirms that you have received a pension.

You can top up your card in several convenient ways. You can get advice about this from our specialists. You can also set up automatic payment for housing and communal services on the card, for mobile phone and many others. The card will allow you to pay for goods and services both in stores, various cash desks, and via the Internet.

If you need to check the reliability of Sberbank deposits for individuals for 2016 (for pensioners), the reviews will tell you everything. You can also obtain this information by using our service. This way you save your time and will not waste it on your own search on the Internet.

If you read several sources, the reviews on deposits for pensioners in 2016 are mostly positive. Which is not surprising, since Sberbank values ​​the comfort of its clients and takes care of the safety of their funds.

You can store your money in the account and use it at any time. This could be any cost. Maybe you have decided to make renovations at home, or buy some furniture, household appliances, or it could be a gift for children, grandchildren or friends. Sberbank does not limit withdrawals to its clients Money.

If you want to be able to withdraw money from your account and replenish it daily, a savings account is best for you. You can store your savings on it both in rubles and in foreign currency.

Deposit account

1. Differentiated rates on deposits, depending on the deposit currency
2. The deposit period is not limited
3. Ability to add funds to your account at any time
4. The only restriction on withdrawals is their availability in the account
5. No limit on the minimum amount of funds

If you are interested in the offer on deposits from Sberbank for individuals in 2016 for pensioners, the calculator will help you calculate your possible profit, take into account everything possible nuances, including creating your own personal schedule for when it is optimal for you to withdraw money and replenish your account again.

It's no secret that pensioners often become victims of various scammers who, under the guise of social workers or representatives of various services, fraudulently enter apartments and steal savings left for a rainy day. This would not have happened if they had kept the money in a bank account. So it’s worth thinking about whether it’s time to open a bank account, especially since there are many offers in 2016 for pensioners, and the calculator will help you figure out which type of account will be better.

Benefits of a bank account

1. Your money is safe
2. You can withdraw money from your account and replenish it at any time
3. Your savings bring guaranteed income
4. An account can be opened in one of three currencies

Remember that by opening an account with Sberbank, you are entering into cooperation with one of the oldest and largest banks not only in the country, but throughout Europe. And you can be calm about your savings. The staff will serve you at the highest level, and you will not have any complaints about this. Polite and responsive consultants will answer any of your questions.

If you are considering Sberbank deposits for individuals for 2016, for pensioners, and profitable option We couldn’t find one for ourselves, then this is not a problem. You just need to use our service, and our consultants will tell you the right solution.

What is needed for this

1. Submit your application using the form on our website
2. Please take a couple of minutes to fill out the form.
3. Indicate whether you plan to frequently withdraw money from your account and how often you plan to replenish it
4. Leave your contact details

And our consultants will promptly select you a good option, based on your parameters. Moreover, we cooperate directly with many banks, and our consultants will act by clarifying and coordinating information with Sberbank employees. So the data on deposits will be received up to date.

Deposits placed with Sberbank are a guarantee of your secure future, because you definitely will not lose your money. Also, having a deposit with Sberbank can help resolve many issues in the bank. For example, if you decide to take out a loan, then if you have a deposit open at the bank, the probability of a positive response to your application tends to one hundred percent.

By opening a deposit in Sberbank for individuals for 2016 (for pensioners) in foreign currency, you can safely go on a trip. You will have the opportunity, if necessary, to withdraw money from your account even while traveling abroad. This makes Sberbank deposits so convenient.

You can do this with a deposit that allows you to withdraw money at any time. If you need a deposit in foreign currency simply to preserve and increase capital, then we can offer you to use the Multicurrency program.

Deposit parameters

1. The deposit can be placed in dollars, rubles or euros
2. Differentiated rate depending on the currency, term and amount of the deposit
3. deposit period is from 12 to 24 months
4. There is no possibility of partial withdrawal of funds
5. The account is opened in three available currencies at once, and minimum size to open it is five units of each

In case you urgently need money, you have the right to terminate the contract early. Your contract is automatically renewed upon expiration of the current one. current agreement, and on the conditions in force at the time of its expiration.

The bank has branches throughout the country, in all major cities and small towns. populated areas. And in large cities there are quite enough bank branches, so opening a deposit in Sberbank for individuals in 2016, for pensioners, in St. Petersburg will not be difficult for you. All you have to do is choose the branch closest to you, suitable program, and go there.

We understand that it is not so easy for older people to wait in line at the bank for registration. necessary documents, and traveling anywhere is tiring. Therefore, we offer you our services and will help you draw up an agreement to open a deposit. And you won't need to leave the house at all. Working directly with the bank, together with you we will create a package of documents and send them to the bank for processing. When bank employees prepare the documents on their part, you won’t even need to go to the bank to sign them. You will receive all the necessary papers by courier or by mail.

What do we need from you?

1. Submit an application on the website
2. Fill in the required fields of the form
3. Upload the required copies of documents to the server
4. Please indicate the type of deposit you are interested in
5. At this stage we come into play and form required package documents, which will be sent to the bank.

If you need a deposit that you could periodically replenish by increasing the interest accrued on it, then we could offer you a product called “Replenish”.

Deposit parameters

1. Differentiated rates on accounts, depending on currency and deposit balance
2. You can place a deposit for a period from 3 months to 3 years
3. It is possible to add funds to the account
4. Monthly interest accrual
5. There is no possibility to withdraw funds
6. Interest is credited to the same account, and if you do not withdraw it, it will increase your income next month
7. Possibility of profit withdrawal

If you need Sberbank deposit programs for individuals for 2016 (for pensioners) in euros, then, in principle, all types of deposits provide this opportunity. And you yourself can choose which program is most beneficial for you in this case. These can be programs with the ability to withdraw and replenish, or only replenishment. You can choose a program in which interest will be accrued to you every month, or once every three months. All in your hands.

You also have the opportunity to get involved in charity. When you place your contribution under a charitable program, you receive a good interest rate. The bank will donate for this a small amount to provide assistance to children with cancer. Give life to a seriously ill child.

Contribution options

1. The deposit opening period is one year
2. The profit on the deposit will be 6.82 percent
3. No top up option
4. There is no withdrawal option
5. The deposit is opened in an amount of ten thousand Russian rubles
6. Once every three months the bank will make deductions in the amount of three tenths of a percent per annum of the total deposit amount
7. Agree, this is not so much, given such a deposit rate. And you can save someone's life. Perhaps goodness will return to you, and you will also be helped in difficult times.

In general, Sberbank deposits for individuals for 2016, for pensioners, are ordinary deposit accounts available to all citizens. But Sberbank also has special programs for people of retirement age. Or rather, for those who are preparing to become a pensioner, or are thinking about this issue in advance. You can share part of your savings, wages put it into a bank account, thus forming an additional pension for yourself. This will be a very good and far-sighted decision. Considering that accumulative part pensions begin to accrue to you as soon as you start working, from the first day of your work experience.

If you are interested in any details about this, you can contact our consultants and they will tell you how it works. Don't miss your opportunity to receive an additional pension to your main one. After working with our consultants, you will receive detailed answers to your questions. Based on your parameters and level of earnings, they will tell you how best to act in a particular situation.

If you have any doubts, don't hesitate to ask. You can consult with bank employees or by using our service. This will not take up much of your time, but will help you avoid doubts about the right decision in the future. It is better to provide for all the nuances at once than to then open and close new deposit accounts several times, in search of the best option.

In general, Sberbank deposits for individuals for 2016 for pensioners in rubles are represented by several programs. When choosing a specific program, you need to proceed from many initial parameters; you need to foresee in advance the possibility of withdrawing funds from the account, or its early closure. Do you plan to actively help your children or grandchildren every month, or do you plan to save and increase your money for a certain time, and then spend it on something specific? The choice is yours.

Sberbank is recognized as the most reliable financial institution for saving and accumulating funds. The SB has several types of deposits that provide benefits for different segments of the population. Investors can choose an offer that suits their social status, money management strategy, and size down payment, which they can afford.

Today Sberbank has 3 special programs for pensioners, the essence of which is increased rates on deposits and more favorable conditions for managing invested money. These include deposits:

• "Save";
• "Replenish";
• “Pension-plus of Sberbank of Russia”;

The first two include additional benefits for older people in their program, and the last one was created specifically for pensioners: those who have not yet retired will not be able to take advantage of the offer.

In addition, SB has deposits that do not provide special benefits for representatives of the elderly part of the population, however, pensioners can take advantage of these offers and find them quite profitable for themselves:

• "Manage";
• "Take advantage."

To find out which is the most profitable investment in Sberbank for pensioners today, let’s take a closer look at each of them.

"Save"

The “Save” deposit was created to store existing capital. The deposit cannot be replenished. Partial withdrawal of funds is also not provided, however, you can withdraw accrued interest. Minimum annual rate - 4.05%, maximum - 6.26%, subject to capitalization - adding interest to the principal amount of the investment.

Important: Interest is calculated every month. They can be removed, displayed on a map, or added to total amount accounts.

The tariff depends on the amount of the down payment, the currency and term of the investment, as well as on the opening method: if you open in SB Online, the interest will be higher.

For pensioners on the “Save” deposit, Sberbank provides preferential conditions, the essence of which is that the maximum rate does not depend on the amount of the first payment: only the term and currency are taken into account.

You can open a deposit starting from one thousand rubles, or 100 dollars, for a period from 1 month to 3 years: payments in euros are not accepted. You can apply at any company office, ATM, or using the Sberbank Online service - via a computer or the appropriate mobile application.

"Replenish"

The main conditions of the “Top up” offer are practically no different from the previous one. The difference is:

• V annual rate- from 4.6 to 5.56%;
• minimum deposit period - from 3 months;
• the ability to top up your account at any time an unlimited number of times.

You can deposit additional funds in cash or by bank transfer. In the first case, the minimum contribution is 1000 rubles or $100, in the second - any amount.

Retired individuals can also open an account at a higher interest rate based on the rate calculated on the term of the deposit rather than on the amount.

Important: benefits are provided only to “aged” pensioners - for those who retired early, due to length of service, the conditions are standard.

"Pension-plus of Sberbank of Russia"

The deposit is specially created for people who have retired. The advantage of the program over other offers is:

• in complete freedom to manage your savings - you can withdraw and deposit money whenever you need it: there are no restrictions;
• Possibility of opening an account from one ruble;
• high interest rate, relative to other deposits, giving the opportunity to freely manage money.

The deposit can be opened for at least 3 years. After 3 years, the period will be extended automatically, unless otherwise stated in the additional agreement. You can only deposit into your account Russian rubles: foreign currency not acceptable.

Interest is calculated every quarter. At the client’s discretion, charges can be withdrawn to the card or added to the deposit amount. The latter option is more profitable, since with capitalization, the tariff increases slightly. Interest rate on special contribution in Sberbank for pensioners does not depend on either the amount or the period of investment: its size invariably amounts to 3.5%.

Important: unlike the “Save” and “Replenish” deposits, “Pension Plus” can be applied for not only by people who have reached retirement age, but also by those who have retired due to long service.

Other deposits from Sberbank

The “Manage” and “Get Profit” deposits in Sberbank do not apply to offers with preferential terms for pensioners, however, the rates on these deposits are slightly higher, so it may be more profitable to invest in them.

“Manage” according to the terms of disposal of invested funds is similar to “ Pension plus»—you can top up your account and withdraw money up to the minimum balance. The rate varies from 4.3 to 4.75%, but the minimum amount for opening should not be less than 30 thousand rubles. The deposit opens from 3 months to 3 years.

Deposit “Take advantage” is a seasonal offer, with one of the highest rates in SB for this moment. The amount of accruals depends on the investment period:

• from 5 months – 7.1%;
• from 12 months – 7.5%;
• from 18 months – 7.65%.

The invested money cannot be disposed of until the end of the term, which is similar to the terms of the “Save” deposit. The only drawback of the proposal is the high opening fee - from 50 thousand rubles.

Conclusion: if a pensioner has the opportunity to open an account immediately on a large sum, then it makes more sense to consider these proposals from the Security Council.

Comparison of deposit rates for pensioners

Since “Pension Plus” is open for 3 years, let’s compare the interest rates of all deposits in Sberbank for pensioners for a three-year period and find out which one is more profitable and convenient today.

Let’s say a deposit is opened for 10 thousand rubles for a period of three years, while there will be no additional investments and cash withdrawals, and accrued interest will be added to the principal amount, Then:

If during the deposit period the pensioner plans to regularly contribute additional funds, then you should consider only the “Pension Plus” and “Replenish” programs. The investment amount is the same 10 thousand rubles, while the deposit will be replenished by one thousand every month.

Calculations are current at the beginning of 2020. The rate may be changed in the future.

Which investment in our opinion is the most profitable?

It is difficult to unequivocally answer the question of which deposit is more profitable: it all depends on the amount you can invest and the desired way to manage your money. The “Save” deposit will have the highest interest rate, however, as can be seen from the table above, if you invest a small amount, the difference compared to other programs is small - only 300-700 rubles.

The income will be more noticeable if you regularly replenish your account by at least one thousand rubles, without withdrawing money until the end of the term. Then it makes more sense to choose the “Top up” offer. Pensioners who want to have constant access to their savings are better off using special program"Pension plus"

For those who can afford to invest 50 thousand rubles or more for several years, it is much more profitable not to use benefit programs for pensioners, and put the money into the “Catch the Benefit” account.

How to open a deposit for a pensioner in Sberbank

Any of the selected deposits can be opened at the SB office. All you need to do is bring it Required documents and the amount you intend to invest.

In addition, all deposits, except “Pension Plus of Sberbank of Russia”, can be opened remotely, through an online bank. To do this, you need to be a client of a financial institution authorized in the SB Online system. To open a savings account online, you need:

1. log in to your personal account;
2. go to the “Deposits” window;
3. find the selected program;
4. fill out a short form and transfer money by bank transfer.

Important: deposit documents can be printed through the “Operation History” tab in personal account or directly at the Sberbank office.

What documents will be required

To open a deposit, you must bring two documents - a passport of a citizen of the Russian Federation and a pension certificate. If you open an account remotely via a personal account, then no documents are needed, since all your data is already in the bank’s system.

Conditions for early closure

If necessary, the invested money can always be returned, however, not all deposits provide for the preservation of interest in the event of early termination of the contract. The only deposit for which the interest rate will not change in the event of early closure is “Pension Plus”.

Under the “Save” and “Replenish” programs, you will not be able to receive interest in full. Firstly, it will not be taken into account monthly capitalization percent, secondly, the initial rate will be reduced:

• up to 0.1% if the deposit was opened for less than 6 months;
• up to 2/3 of the interest rate if the account is open for more than six months.

If the final amount of the “Replenish” deposit is exceeded, that is, 10 times more than the initial contribution, then 2/3% will be charged on the principal amount, and 1/3% of the annual rate will be charged on the excess share.

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 special conditions, which the bank offers to pensioners. According to reviews, Sberbank is the most reliable bank Russia, but now we’ll find out how beneficial his 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 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:

1. Pension Plus.
2. Replenish.
3. Save.
4. Top up online.
5. Save Online.
6. 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 interest income.
• Automatic renewal is provided.
• If the account is closed early, the rate remains at 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. For individuals Sberbank offers many deposit programs, 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 time deposit"Pension Plus" is the most optimal.

Sberbank deposit “Replenish” for pensioners

Sberbank offers a program with the ability to replenish 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 portion 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.

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! Favorable deposit Only existing Sberbank clients will be able to open 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.

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. Will the contribution be extended further from this high stakes unknown, and therefore pensioners need to carry out the opening 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.
• Automatic renewal is 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.

“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:

1. At a Sberbank branch.
2. Through Sberbank Online (Internet banking or mobile banking).
3. 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:

1. Come to a convenient branch with your passport and pension certificate.
2. Ask the employee to issue a form for opening a deposit for the selected program.
3. Fill out the form.
4. Wait until the consultant enters the person into the database (at the first time).
5. Transfer money to a deposit account yourself in a convenient way, or contact a Sberbank consultant for help.

When using the Sberbank Online system to open a deposit, a pensioner must:

1. Log in to your personal account using your login and password.
2. Enter a one-time SMS code.
3. Go to the “Deposits” section.
4. Check the box next to the selected program.
5. Fill in the deposit details (amount, currency, term, etc.).
6. Enter the card number and the amount to transfer to the deposit account (if you want to immediately deposit money).
7. 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, maximum amount the deposit has not been established, then you only need to look at the column in the table “If 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. Online calculator located on each deposit page below.

You need to enter the amount, investment currency, term, check the boxes next to the ones you are interested in additional parameters, 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

“For deposit accounts opened by pensioners, there are provisions maximum bets for the selected period, regardless of the deposit amount.”

Features of program selection

All programs are divided into 2 main categories: urgent (for 1 - 60 months) and “on demand”. In the second option, you have the opportunity to fill out an application at your PF branch, and all transfers from it will go to an open account. This will allow you to receive your pension through self-service devices, avoiding queues.

Time deposits attract attention due to their higher interest rates relative to other programs and allow you to choose the most profitable terms capital investments:

• With or without replenishment.
• With capitalization of interest accrued on the remaining amount and at a fixed rate.
• With and without partial cashing out.
• With the ability to make a deposit online, which allows you to get more attractive interest rates.
• With and without deposit insurance. In the first case, it is proposed to issue a savings certificate.

When placing funds for 1-2 years, it is more profitable to open accounts without capitalization - they guarantee a higher interest rate. Deposits without withdrawal have attractive conditions. However, in case of early termination of the contract, the rates are minimal. Refillable accounts are convenient for accumulating funds. Below are the top 5 most profitable programs for investors of retirement age.

Target deposit "Pension-plus"

The deposit takes 5th place in the ranking. The program provides the opportunity to open an account for up to 3 years. Starting amount deposit is 1 rub. Interest rates reach up to 3.5% without capitalization. However, there are other attractive aspects. For example, limited balance replenishment and partial withdrawal. Interest is calculated once every 3 months. Within the framework of the program, early cashing out of the account is possible. Then interest is calculated at the rate without capitalization.

Pension program “Replenish”

The conditions for placing capital in one of the largest banks in the Russian Federation allowed it to take 4th place in the ranking. Sberbank offers its clients an optimal contract term from 1 month to 3 years. Deposits are placed in ruble and foreign currencies. Within the framework of the program, the opportunity to replenish your account is available:

• In cash - from 1,000 rubles/100 dollars or euros.
• By bank transfer - no restrictions.

Starting amount for depositing:

• 1 thousand rub.
• 100 USD or EUR.

Rates on ruble deposits

Interest rates in dollars

Interest rates in euros

How are interest rates calculated?

Attractive interest conditions do not depend on the deposit amount. For users who previously opened a “Top up” account, upon retirement, they are given the opportunity to switch to more attractive conditions and prolong the contract.

Deposit "Save"

• The period for opening a deposit is 1-36 months.
• A term deposit is opened without the possibility of replenishment and partial withdrawal of funds.
• Capitalization of bets is provided.

Amount of starting capital:

• 1 t. rub.
• 100 USD or EUR.

Interest charges:

• from 6.7 to 9.071% in rubles. (with capitalization).

• 0.25 to 2.219% in dollars (with capitalization).

• 0.01 to 1.169% in euros (with capitalization).

How is interest calculated?

• Interest is calculated once a month.
• Accrued rates are added to the deposit amount, providing increased income in subsequent periods.
• Interest income is available for withdrawal or transfer to a card account.

Deposit “Top up Online”

A key feature of the deposit is the ability to register it online. A detailed algorithm of actions is presented on the Sberbank website. The program is interesting to those who count on maximum income from placing funds in a deposit account for pensioners.

Interest charges:

• 7.8 - 8.69 in rub.

• 0.9 - 2.27 in dollars

• 0.6 - 1.32 in euros.

The deposit period is designed for 3 - 36 months. The deposit is replenished, but partial withdrawal is not provided.

To participate in the program, it is enough to have starting capital in the amount of:

• 1 t. rub.
• 100 USD or EUR.

Program "Save Online"

Leader deposits eliminates the possibility of replenishment or partial withdrawal. However, you can manage the interest at your discretion: withdraw it or transfer it to the card.

Interest on deposit:

• 6.50 - 9.52 in rub.

• 0.10 - 2.491 in dollars

• 0.010 - 1.433 in euros.

Contract duration: 1 - 36 months.

Minimum amount of funds placed:

• 1 t. rub.
• 100 USD or EUR.

Conditions for early account closure

For time deposits act following conditions early withdrawal funds from the account:

If the deposit is opened for a period of up to 6 months, income is accrued at a rate of 0.01% per year; if the account is open for more than six months, the following conditions apply:

• When closing an account within 6 months. 0.01%.
• After 6 months - 2/3 of total income by percentage.

Interest is recalculated without taking into account capitalized funds.

Instructions for making a deposit

The service is available to registered users of the Sberbank Online system. The whole process consists of going to the start page of the service and opening the “Deposits and Accounts” tab. Next, you need to select the “Opening a deposit” category and review the conditions for placing savings. If the choice is made, all you have to do is click the “Continue” button. An online application form will appear on the screen, indicating the account to be debited, the amount credited and the deposit period. After checking the details, the “Open” button is activated.

We make a deposit offline

To open an account, you must contact the bank branch with your passport and sign an agreement on opening a deposit. A branch employee will explain all the nuances of the program and offer to credit funds to the account.

If you have any difficulties in choosing deposits, the right solution would be to contact a bank branch or customer support service (8 800 5555550).

Video

* Attention! The information article may have outdated or incomplete information. Current information can be posted on the official website PJSC Sberbank sberbank.ru