Deposit "Universal" for 5 years in Sberbank of Russia

Nowadays, commercial structures offer users numerous methods of earning money, but not all of them inspire confidence in customers. Perhaps the most accurate and proven way to generate passive income is to open a deposit in a trusted bank. The method has many advantages: the client can choose the best term, invest any amount of money in any currency, etc. Banks that provide this service provide users with various opportunities - for example, the use of Internet services.

Contribution (deposit) - funds deposited in a particular bank for their preservation and increase.

Sberbank allows individuals to open several types of deposits, interest rates are up to 6.49 percent per annum. You can open a deposit both in the bank office and online. The presence of a platinum Sberbank card will become an irreplaceable assistant in the transfer of accrued interest. The "Universal" deposit allows you to accumulate funds for five years, it is an excellent method to accumulate and increase your money.

The smallest amount that can be invested under the terms of the deposit is ten rubles, five dollars, five euros, or any amount of another currency equivalent to five dollars. The interest rate in this case will be equal to 0.01% per annum, the duration of the deposit is five years. The user has the right to replenish the account at any time, as well as withdraw a certain amount of funds - no more than a certain amount of the balance. Interest is credited every three months. It is worth noting that the client has the right to terminate the contract early at any time, and there is no need to pay commission fees or make recalculations. Also, the user can take advantage of the automatic renewal of the terms of the contract.

Important. It is recommended to be careful with the choice of currency during a crisis. Despite the fact that income will be formed from the invested funds at interest rate conditions as usual, an unstable exchange rate can cause a loss of money.

• you can quickly write off a specific amount from the account at any time;
• the client can quickly terminate the contract;
• it is very easy to pay for large and expensive purchases with the "Universal" deposit;
• the user is given the opportunity to make transfers to all kinds of accounts;
• A proven way to store large amounts of funds is safer than keeping money at home.

In addition, the user does not need to pay any additional fees, which are usually charged for servicing bank accounts.

Deposit opening methods

The client is given the opportunity to open a deposit using the Sberbank Online service. However, unfortunately, today the “Universal” deposit cannot be opened in this way. You can conclude an agreement and replenish deposits using this method for other projects offered by Sberbank.

It is possible to open a deposit "Universal" in a bank office by presenting a passport, pension certificate (if any) and a certain amount of funds.

Before you go to Sberbank to register a deposit, you should decide on the currency to be invested. It should be borne in mind that some bank branches of Sberbank may refuse to issue a deposit with a certain currency. For example, it is rare to find a bank where it is allowed to open a deposit in yen or kroons. Each bank has a list of currencies in which you can open a deposit.

List of documents for registration of a deposit

Pleasant news for users is the fact that it is not required to collect a large number of documents in order to issue a deposit "Universal". In addition, there is no need, as in the case of loans, to wait for the bank's approval of the application.

To register a deposit account "Universal" in Sberbank, the client will not need much time - less than an hour.

So, what documentation is needed to process this deposit:

• passport;
• information about the place of registration (mandatory in Russia);
• if at the moment there is no permanent passport, you can present any other identity document, for example, a driver's license;
• application for joining the project and registration of the deposit "Universal".

How to extend the term of the deposit "Universal"

The extension of the validity period of the contractual document, as a rule, is automatic. In this case, the annual interest remains exactly the same as it was under the “Universal” deposit program.

If the agreement is automatically extended, interest will be calculated from the funds that belong to the depositor.

However, if the client wants to include the interest accumulated for the previous contractual period in the invoice amount, he should contact the bank branch and re-apply, where it is worth fixing the amount of funds along with the interest accumulated in the past.

You can extend the term of the agreement under the "Universal" deposit program indefinitely.

Contract

At the bank branch, the depositor will be asked to fill out a special form, which is an application for opening an account. In addition, an agreement is mandatory with the bank that stipulates all the conditions for storing funds.

What items are included in the agreement on opening an account "Universal" in Sberbank:

1. Name of the document, number, information about the purpose of the conclusion, date and location of execution.
2. The first paragraph contains a bit of information about the parties.
3. The first paragraph contains the essence of concluding an agreement - on the transfer of the client's financial resources for preservation for 5 years with the necessary conditions.
4. The second section contains more specific information on each of the terms of the contract. It contains information about the benefits of the parties, the procedure for placing funds, determining the time of automatic renewal of the contractual document, etc.
5. In the third paragraph, information about the addresses and details of the bank and the depositor is recorded, and the specified data must be valid at the time of the conclusion of the agreement.
6. If a representative acting under a power of attorney from the client's side also participates in the registration of a deposit, he must independently fill in a special column with his details.
7. Further, all data about Sberbank are indicated.
8. At the end of the contractual document, the parties leave their signatures.

The agreement also states that Sberbank, which has issued a certain amount of funds received from the client, is obliged to provide the depositor in the future with the entire amount of money plus accrued interest, in accordance with the established rate for this program.

Important. The contractual document also states that Sberbank will not consider the depositor's refusal of the right to issue the invested amount upon request.

Interest is credited to an open account from the moment any amount is credited to it. They are accrued until the user withdraws the funds or until the early termination of the agreement with Sberbank.

How to terminate the contract early

The main advantage of the "Universal" deposit drawn up in Sberbank is the ability to terminate the contractual agreement at any second if the depositor wishes. It is worth remembering that with such a termination of the contractual document, interest per annum will cease to be charged, even if all funds were previously withdrawn from the account.

This circumstance is usually well noticeable when there are significant amounts on the account. If the deposit contained a small amount of funds, you can ignore the lost interest.

It is also worth noting that the date of the termination of the contractual document, executed ahead of schedule, is the date of the application, and not the day when the funds were debited from the account.

An application for early termination of the agreement with the bank should be brought in advance, preferably a few days before the funds are debited.

The duration of the procedure for closing the Universalny deposit in Sberbank is from three to five working days. Usually, a person decides to terminate the contract if necessary, to withdraw the full amount from the account without any balance.