The highest interest rate in Sberbank. Interest on Sberbank deposits for individuals

Once you decide to place your savings in a bank deposit account, it is important to determine which one is best profitable investment in Sberbank. It is not so easy to give a definite answer to this question, since each person understands benefits in his own way and in each specific case priorities differ. To choose the optimal offer for deposits from Sberbank, you need to define selection criteria, based on which you can clarify the situation a little.

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Today in Sberbank for individuals There are several deposit programs:

1. “Save” is a deposit with the highest interest rates.
2. “Replenish” – deposit for stable accumulation Money.
3. “Manage” is a deposit for those for whom it is important to control their finances and manage them at their own discretion.
4. “Save Online” is an analogue of the “Save” program.
5. “Top Up Online” is an offer similar to the “Top Up” deposit.
6. “Manage Online” is an alternative to the regular “Manage” deposit.
7. “Gift of Life” is a deposit program whose goal is charity for the treatment of children with serious illnesses.
8. “Savings account” is a bank account in which you can store money and receive interest in the form of interest, as well as manage the funds at your discretion.

Ruler time deposits“Online” involves opening and closing deposits remotely through the “” system, ATMs or information and payment terminals at a higher interest rate than similar types of deposits that are opened directly at a Sberbank branch through an operator. Therefore, online deposit programs from Sberbank are more profitable deposits than their analogues, according to two criteria at once:

• higher interest rate for depositing funds into the account;
• no need to visit a bank branch to open a corresponding account.

It can be assumed that in this case, the most profitable is the banking product for which the system charges the most high percent. But it's not that simple. After all, each of these programs also has a number of conditions, and it may happen that at a high interest rate, some item from these conditions will be completely unacceptable to you.

Important! The choice of the most profitable deposit offer from Sberbank needs to be approached more thoroughly.

Reviews from Sberbank clients

If we analyze the feedback from bank depositors, we can conclude that for some clients the most profitable offer is the one with the highest interest rates, for others the main role is played by the opportunity partial withdrawal or regular replenishment of the deposit account. Here's what current Sberbank clients say:

• Client:“I have been for a long time regular customer Sberbank, but only recently decided to entrust the storage of my savings to him. I wanted the money not only to lie on bank account, but also brought some profit. Even if this profit is only one hundred rubles, it is already a lot compared to the fact that they were kept at home. I studied everything carefully banking offers and made a choice in favor of the “Manage” deposit, although under the terms of this program almost the lowest interest rate. It was important for me that I be able to freely manage my money, even if it is on deposit. For some reason it feels safer to me.”
• Client:"From possible options existing deposits at Sberbank, we chose “Save Online” without hesitation. Firstly, this program has the most large percentage on deposits in Sberbank today. Secondly, you can’t withdraw money here, so we won’t be able to spend it impulsively and thoughtlessly. Thirdly, we liked that the minimum deposit period is one month. It’s very profitable and convenient.”
• Client:“For several years in a row I tried to save up for a car, but there were always cases when you either needed money urgently or needed to lend it to someone. In general, nothing worked out until a friend advised me to put my savings on a deposit with the possibility of replenishing my account. At that time, Sberbank had two offers with suitable conditions -. Although in last contribution and higher interest rates, I chose to entrust my savings to the Top Up program because I feel safer when I have a paper contract with wet seals and signatures of both parties.”

Table. Rates on ruble deposits in Sberbank.

Considering the fact that the rates “float” and having analyzed everything deposit programs, we can conclude that the maximum interest on deposits will be:

1. “Save”, “Replenish Online”, “Replenish”, provided that the deposit amount is over 700 thousand rubles, and the period is 3-6 months.
2. “Save Online” if the deposit is from two million rubles per maximum term, that is, three years inclusive.
3. “Savings account”, provided that the minimum minimum balance is two million rubles or more.

Attention! The Gift of Life deposit has a fixed interest rate of 5% of the deposit amount.

Based on the data provided, today it is more profitable for a period of three to six months. If it is important for you to be able to replenish the deposit without the possibility of withdrawal, then it is better to give preference to the “Replenish Online” deposit for the same period. In cases where you need to constantly withdraw and deposit money into your account, the best option would be the “Manage Online” deposit. In any case, deposits from the “Online” line are comparatively more profitable.

The most profitable deposit in foreign currency

Regarding deposits in foreign currency, then Sberbank clients can place their savings only in US dollars and euros. You can choose any deposit program with the exception of the “Gift of Life” deposit, which can only be opened in rubles. As in ruble deposits and in foreign currency, the interest rate is “floating” and depends on the same factors that affect its size in the case of a ruble deposit, that is, on the term and amount.

The highest percentage for foreign currency deposit programs is valid in the “Save Online” offer and amounts to 1.25% per annum of the deposit amount, but such a rate will only be valid if the deposit amount exceeds 20 thousand USD and the validity period is 36 months inclusive. Other deposit programs also offer the highest rates under similar conditions.

Rates are indicated taking into account the accumulation (capitalization) of accrued interest.

Based on the above data, the following conclusions follow:

• You can deposit money at interest using the “Save Online” program, where the most effective profitable terms;
• maximum high rate for each type of deposit it is valid only on the condition that the deposit size is at least twenty thousand US dollars and it will be open for a period of 3 years;
• The interest rate on a deposit in euros is stable, 0.01% and does not depend on the term or amount of the deposit.

The most advantageous offers from Sberbank on deposits are valid only under certain circumstances, on which the size of the interest rate actually depends. But when choosing a deposit, you need to take into account not only the thirst for profit, but also other accompanying conditions that determine the benefit and convenience for potential Sberbank depositors.

Deposit “Replenish”

The minimum amount is 1 thousand rubles. Terms vary from 3 to 36 months. The maximum interest rate is 4.5% per annum. Interest payment every month. You can also choose capitalization. If the amount increases, the rate will increase. You can top up by 1000 rubles or more. Partial withdrawal is not possible. Important: If you open this deposit through the Sberbank Online service, the interest rate will be increased (up to 5% per annum, depending on the term).

“Save” deposit

All types of deposits in Sberbank of Russia, like the Save deposit, are aimed at minimizing losses from inflation.

The opening amount is 1 thousand rubles or more. The interest rate reaches 5% per annum. Capitalization or interest payments will be made every month. There is no possibility of replenishment or partial withdrawal. Important: If you open through the Sberbank Online service, the rate will be increased (max. 5.5% per annum).

Deposit "Manage"

The minimum amount for opening is 30 thousand rubles. It is possible to withdraw monthly to a bank card or capitalize interest. The terms of the deposit include: auto-renewal, replenishment and partial withdrawal. Max. rate - 4.2% per annum. Important: If this deposit is opened through the Sberbank Online service, the interest rate will be increased (up to 4.7% per annum, depending on the term).

Deposit "Pension Plus"

This type of deposit is intended for pensioners. Minimum deposit- 1 ruble. The deposit period is 3 years. Interest capitalization or payment will be made quarterly (to a bank card or current account). The interest rate on the deposit is 3.5% per annum. The terms of the deposit include: auto-renewal, replenishment and partial withdrawal.

Financial instability forces citizens to think about the future. People try to save to limit themselves from surprises. It is unwise to keep saved money at home. Funds are placed in a reliable financial institution without additional investments or with the possibility of replenishment.

What is a deposit in Sberbank

It is beneficial to keep money in a bank. This guarantees the integrity and security of savings and ensures an increase in savings. Placing a deposit in Sberbank at interest means increasing your savings by the interest rate offered by the bank on the invested funds. The reliability of a financial institution is ensured by the control of the main stake in the bank by the Central Bank. State system insurance guarantees depositors the safety of their savings.

Types of Sberbank deposits

The bank offers its clients financial products for accumulating and increasing funds. The types of Sberbank deposits differ:

• way of spending savings (whether the accumulated funds can be used or not);
• savings method (with or without the ability to replenish savings);
• social orientation.

It is useful for depositors to know what deposits are available in Sberbank today:

• Save;
• Replenish;
• Manage;
• Savings account;
• Pension plus;
• Gift a life;
• Savings certificate.

Terms of deposits in Sberbank

Among the savings methods offered by the bank, depositors can choose a convenient option. The terms of deposits at Sberbank provide for monthly accrual of income on savings. Payment of interest may be credited to the account or issued in cash. Income can be added to the amount of deposit savings and increase the amount monthly to calculate interest on the invested funds. Interest capitalization occurs; it can be calculated using the calculator on the website.

Capitalization serves as a source of replenishment of deposits that cannot be replenished under the terms of the agreement. Cash deposits Sberbank can be closed ahead of schedule. For bank deposit Keep withdrawals and the ability to replenish savings is not allowed. The banking product Replenish provides for the introduction of additional savings (up to ten times the amount down payment) without the right of withdrawal.

Depositors of the Manage deposit are given the opportunity to manage savings - use accumulated funds and make additional contributions (there are restrictions on the amount). A savings account does not impose restrictions on the number, amount of replenishment and partial withdrawal of funds. Interest is calculated on the minimum amount of savings during the month. The savings account is not fixed-term and the contract period is not limited in time.

For Save, Replenish, Manage, auto-renewal is possible. Revenues by short-term deposit Gifts of Life are awarded every three months. A special kind accumulation is a Savings Certificate, it can be given as a gift. Interest on savings accrues upon expiration of the certificate's validity period, plus it is not subject to compulsory insurance.

Sberbank deposits for individuals in 2017

News from Sberbank of Russia on deposits informs bank clients about the cessation of accepting foreign currency deposits: Multicurrency Sberbank of Russia; International. The opening of deposits was completed in December 2016, and they are in the archives of Sberbank. The deposits were intended to save the population's invested funds from fluctuations in the ruble exchange rate.

Promotions on Sberbank deposits today

The bank's archive contains the Happy Payment promotion. There is no information about new promotions on deposits. Holiday promotions on deposits in Sberbank ended in January 2019: Maximum interest; Seasonal. Now the bank depositors who have issued debit card, take advantage of the Thank you promotion. When paying by card, they receive bonuses into their account and exchange them for money.

Interest on Sberbank deposits for today

Maximum interest for deposits in Sberbank are offered for an accumulation period of 6-12 months. During the accumulation period, an increase in the amount to 700,000 rubles can increase the profitability of savings. Sberbank's interest on household deposits increases by 0.51% when opening a deposit remotely.

The following interest rates on deposits with Sberbank are currently in effect:

• Save – 4.6-6.74%;
• Top up – 5.72-6.23%;
• Manage – 4.62-5.71%;
• Savings account – 1.5-2.3%;
• Give Life – fixed 5.95%;
• Savings certificate.

Tariffs for Sberbank ruble savings of the population depend on:

1. purpose of the deposit;
2. term of the contract;
3. method of concluding a contract.

Profitable Sberbank deposits

Financial institution offers its investors programs that can provide high income. Profitable Sberbank deposits for individuals are issued to citizens who use the Sberbank Premier service package. Anyone can purchase the package. In addition to the premium service package, depositors receive a special offer with an increase in the deposit rate: Save; Replenish; Manage.

Special offers on deposits are shown in the table:

Foreign currency deposit in Sberbank for individuals

The bank has provided the opportunity for its clients to make savings in foreign currency. Individuals have the opportunity to make foreign currency savings and protect their savings from inflation. Foreign currency deposits in Sberbank exist for deposits: Save; Replenish; Manage. The conditions for replenishment, withdrawal, and early termination for them remain the same as for ruble deposits.

Currency deposit in dollars in Sberbank

Deposit Save for dollar savings eliminates the possibility additional contributions and withdrawals, Replenish – allows the replenishment of investments. Currency deposit in dollars in Sberbank Manage provides the opportunity to increase the amount and withdraw savings. The maximum return on invested dollars is offered to citizens for a savings period of one to two years and a savings amount of $20,000. Check the conditions in the table:

Deposits in euros in Sberbank today

Depositors can make savings in euros. Among all deposits, the profitability of euro investments is minimal. The yield on the euro deposit is set at 0.01 percent per annum. Deposits in euros in Sberbank differ today minimum size and accumulation period. Euro savings with a minimum return help citizens protect their accumulated funds from depreciation. See the table below for conditions:

Sberbank deposits for pensioners

There are special offers from the bank for pensioners. They have a profitable deposit in Sberbank Pension Plus. The terms of the deposit provide for the possibility of unlimited replenishment of savings and withdrawals up to the level of the minimum down payment. Save and Top up deposits are issued to pensioners for general conditions, but the maximum interest rate is provided for each accumulation period.

Compare Sberbank deposits for pensioners and their conditions in the table:

Place money at interest in Sberbank

There are two ways to open a deposit in Sberbank for an individual:

1. In the presence of the bank manager. The contract is drawn up upon presentation of a passport (for pensioners banking products– pension certificate).
2. Independently on the official website of the bank. Holders can deposit money at interest in the online system salary cards. Replenishment of funds is carried out by the depositor non-cash. At customer service banking service provides a calculator with which you can choose best option deposit.

Which deposit is better to open in Sberbank

The investor needs to analyze his financial opportunities and make a choice for investing money, you need to consider:

• whether he will use savings;
• whether he will have the opportunity to contribute additional funds;
• how much profit he wants to make (profitability can be calculated using a calculator on the bank’s website).

To receive a high income, the investor benefits from savings options from Sberbank with a high interest rate: Save; Replenish; Gift a life; Savings certificate. With the Manage deposit, the depositor has the opportunity to replenish and withdraw savings with certain restrictions. The terms of the Savings Account do not impose restrictions, but offer a minimum income.

Video: interest-bearing deposits in Sberbank-online

First you need to find out what a deposit is? This is an investment by citizens for a certain period of time, which is specified in the agreement with the bank. A deposit account is needed in order to increase your capital; for a deposit deposit, Sberbank will pay interest at the end of the agreement.

An account can be opened in your own name or in the name of any relative or friend. Sberbank accepts not only cash, but also jewelry and even securities as investments.

Without exception, all banks offer deposits for individuals; the only difference is in the terms of the agreement and the interest rate. But at the same time, Sberbank can offer citizens the most favorable conditions deposit to date.

1. Opening an account with a savings bank is a reliable way to invest your own funds. This is a fairly passive option for earning money, which has proven effective in today’s economic situation.
2. Money deposited into an account up to 1.5 million will be insured by the state of bankruptcy of a banking organization, so the client will not lose his money in any case.
3. You can withdraw interest whenever you want.
4. You can calculate the profits from a transaction in advance; for this, Sberbank has a special deposit calculator.
5. The depositor automatically becomes a dear client for the bank and, if necessary, the depositor can take out a loan without problems with high approval of the application.

How you can top up your deposit through Sberbank online, watch this video:

Despite the above advantages of a deposit, there is also a downside:

• low interest rate, but this does not apply to all people. If a person has invested enough a large sum money, of course the interest will be good, but if the citizen has a small amount money, then you can’t expect high profits;
• If you terminate the contract with the bank in advance, you may incur losses instead of profits.

How to quickly open a deposit in Sberbank

To open a personal account, a citizen simply needs to come to the nearest bank branch and take with him a package of documents and cash.

After filling out the form, the client deposits funds into his account. If you have any difficulties filling out the application, employees bank branch will help resolve this issue in the shortest possible period of time.

It is important to know that Sberbank offers a wonderful service. You can open a deposit offline without leaving your home. Funds are deposited through bank card depositor.

Is it easy to unblock a Sberbank card? All information is located

Conditions for opening an account

Cooperation with Sberbank allows you to invest your money in any currency at your own discretion. Installed by any program minimum bid, and minimum amount investments.

Often, when paying with cards on the Internet, it is blocked, but whether you should agree to this and how this happens at Sberbank, you will find out by following the link.

In addition, the term of the deposit and the possibility of extending the contract are discussed. Interest can be received either after the end of the agreement or monthly. Different programs offer the opportunity to top up your account at any time or, on the contrary, not allow you to do this.

Popular offers for individuals and rates for them

The data below will be useful to citizens who have not yet decided on the program.

What does Sberbank require from its depositors?

Today, there are a number of requirements for depositors put forward by Sberbank. The main requests include:

1. Citizen's age of majority (mandatory requirement).
2. Filling out a special form by the investor.
3. Information about the work of the investor.
4. Providing Sberbank with contacts.

Required Documentation

To start a fruitful cooperation with banking organization You must submit the following documents:

• passport with registration and place of residence;
• tax code;
• document confirming the availability of a pension for opening special account for pensioners.

How to open a deposit offline

Today, technology does not stand still, and it is possible to open your first deposit account online without leaving home. Under the terms of the agreement, the interest rate is usually slightly higher than when opening an account at a Sberbank branch.

It is allowed to open an account with 10 thousand rubles, 150; or 100 euros. The amount of interest rates primarily depends on the length of the contract term and sum of money on account. Minimum term investment of funds is six months.

Sberbank has been in demand among Russian citizens for a long period of time. This bank provides everyone with the opportunity to open and close a personal account through online system. This operation is perfect for those citizens who do not have extra time to visit the bank.

How to close a deposit ahead of time

As mentioned earlier, a deposit account can be closed and it is not necessary to wait until the end of the contract.

As a rule, such conditions are specified in the document; in addition, early closure of an account has certain nuances that you need to be aware of:

To summarize, I would like to say that Sberbank is by far the most profitable due to the fact that it has deposit offers for every taste and pocket.

Your relative died, but how can you repay them? detailed instructions is located at the link.

Keep money in a savings bank or go open a deposit in another banking institution, the choice of each person. This article only provides facts that indicate a win-win receipt of revenue from your deposit if you cooperate with Sberbank.

One of the most popular ways to save money today is a bank deposit. Among investment instruments, bank deposits are considered the most reliable, thanks to state insurance deposits (DIA). If the deposit amount does not exceed 1.4 million rubles (or the currency equivalent of this amount), then if the bank’s license is revoked, the agency will pay you the deposit along with accrued interest.

Many banks offer the population to increase their savings, but tricks when concluding contracts, secret commissions, and sudden changes in tariffs become real pitfalls. Therefore, reliable and universally recognized Russian bank was and remains Sberbank.

The line of deposits from Sberbank is divided into the following categories:

• Time deposits:
  "Save"
  "Replenish"
  "Manage"
  "Gift a life"
  "Multicurrency Sberbank of Russia"
  "International"
  savings account
• Online deposits:
  "Digital"
  Save ONL@yn
  Top up Online
  Manage Online
• Deposits for settlements:
  "On demand of Sberbank of Russia"
  « Universal Sberbank Russia"
  "Pension plus"
• Savings certificates.

We will try to compare Sberbank deposits and choose the optimal solution for preserving your finances. Precisely preserving, and not increasing income, as banks often claim. The interest rates offered by the bank for deposits, unfortunately, only cover inflation and do not generate income. However, the emergence of high-yield savings certificates, which Sberbank so actively advertises, allows us to invest our savings today, but first things first. The first parameter of deposit profitability is its interest rate.

TOP interest rates: we get maximum income

13 time deposits, 2 permanent deposits and savings certificates - this is the collection of deposits at Sberbank.

Today, the TOP interest rates on ruble deposits of Sberbank are as follows:

1. Savings certificate from Sberbank – up to 8.8%;
2. Online deposit “Digital” – up to 7.7%, with the opportunity to increase the rate using a promotional code (to receive it, you must complete a survey on the social network Vkontakte in official group Sberbank);
3. Deposit “Replenish Online” with an interest rate of 7.28% (including interest capitalization).
4. “Replenish Online” – with an interest rate of 7%.
5. “Save” – 6.75%.

Special conditions apply to deposits for pensioners: regardless of the opening amount, Sberbank offers maximum bets persons of retirement age on deposits “Save”, “Replenish”, “Manage” and their online analogues.

But a high interest rate does not mean that income at other rates will be lower. The effectiveness of the interest rate consists of parameters such as capitalization and account replenishment. And the higher the deposit opening amount, the more significant the dividends will be.

Saving wisely: criteria you should know about

So, a high interest rate is not the only condition for high income on a deposit. An equally important profitability criterion is the capitalization of interest. What is capitalization? Speaking in simple language, this is the automatic addition of accrued interest to the deposit amount. That is, interest in the next period will be accrued for the deposit amount plus interest for previous period. We conclude:

The more often interest is capitalized, the higher the return on the deposit.

This means that if capitalization of the deposit occurs every month, then this increases our income. Let's consider Sberbank deposits taking into account interest capitalization:

• Deposits with monthly capitalization:

Replenish Online, Save, Top Up Online, Top Up, Manage Online, Manage, Savings Account and Give Life.

• Deposits with quarterly capitalization (every three months):

Social, Multicurrency of Sberbank of Russia, Pension Plus, Universal of Sberbank of Russia, Demand of Sberbank of Russia.

The Sberbank line includes deposits without capitalization, with accrual of interest at the end of the term:

International, Digital, Savings certificate.

Such an important parameter, indirectly related to capitalization, as account replenishment also affects the profitability of your deposit. Such parameters as account replenishment and cash withdrawal are important for those who are not sure that they will not have to use their savings. Let's compare Sberbank deposits according to these two parameters.

Contributions can be divided as follows:

• Savings (no possibility of replenishment, no partial withdrawal);
• Savings (with replenishment, but without the possibility of partial withdrawal);
• Settlement (with the possibility of partial withdrawal and replenishment);
• Demand deposits (you can also deposit and withdraw money).

Despite the high interest rate, savings deposits are often not profitable when early termination. Savings deposits with monthly capitalization is a fairly attractive product for investment. Demand deposits have the most low rates, so they will not bring high income. Current deposits have decent rates and allow you to manage your funds without losing interest.

From Sberbank according to the specified criteria profitable deposits are:

Replenish Online, Replenish, Manage and Manage Online.

The Social, Multicurrency and Pension Plus deposits could become leaders in terms of the given parameters, but unfortunately, the frequency of interest accrual is lower.

If speak about multicurrency deposits(International and Multicurrency Sberbank of Russia), choose them only if you understand currency fluctuations well. Otherwise, you risk losing your savings: not everyone is able to correctly guess the moment of transferring funds from one currency to another.

Let's summarize:

Deposits Top up Online and Top up are the most profitable savings deposits Sberbank according to the totality of the considered parameters without partial withdrawal of funds.

If you have savings that you won't need in the near future, this is best savings deposits: “Savings Certificate”, “Save” and “Digital”.

Among the line of settlement deposits, the leaders are “Manage OnL@yn” and “Manage”.

Rates on online deposits from Sberbank are significantly higher than similar ones opened in the branch, which means that the leaders in the race are:

Replenish Online, Manage Online, Digital. And they are joined by the widely advertised Savings Certificate from Sberbank thanks to its attractive interest rate.

Let us dwell on such a product as a savings certificate in detail. A savings certificate is a valuable, unregistered bearer paper with an increased interest rate. Reason increased rate According to the certificate, there is no DIA insurance. Therefore, as a financial management tool, a certificate is not the most convenient solution. Money loves diversification: to reduce possible risks, invest capital in different types deposits, including savings certificates.

Opening a deposit correctly: step-by-step guide

It’s easy to open a deposit in Sberbank, contact the branch or open it yourself using Internet banking or an application.

How to open a deposit at a Bank branch

1. Take the required amount and passport. Pension certificate or other documents (for example, about guardianship).
2. Have you already decided on the choice of the required contribution? Fill out an application for its opening. Contact a Bank consultant if you have any questions.
3. When signing up, carefully read all the clauses of the contract, do not hesitate to ask questions.
4. You foreign person? Present your migration card, residence permit or permit to stay in the Russian Federation.
5. After completing all the documents, you will have a copy of the agreement with the bank in your hands, savings book– find a suitable place to store them.

How to open a deposit remotely?

1. To access Internet banking, obtain a login and password for access at a branch or ATM.
2. Log in to Sberbank Online, via a computer or an application on your phone.
3. Select “Deposits and Accounts” from the menu.
4. Select “Open a deposit”, fill out the application
5. Wait for a notification that the deposit has been completed. An open account will always be available to view the status of your funds.

Close cannot be prolonged: competent termination of the contract

When concluding an agreement with the bank, check the possibility of automatic prolongation (extension) of your deposit. For example, a Savings Certificate has a specific issue date and must be collected on time. More often, deposits can be renewed many times: but the terms of the agreement will be valid exactly on the date of its renewal.

Have you decided to close your deposit? We will answer the most popular questions from Sberbank depositors:

• Opened a deposit online?

Then you can monitor its expiration date through the Sberbank Online application. For deposits opened at the branch, the date can be found in the agreement papers;

• Did the deposit closing date coincide with a weekend and the bank is closed?

You can easily withdraw your savings on the next working day;

• What documents should I bring with me?

Apart from your passport, nothing is required. You can take a copy of the contract just in case.

To store or not to store: the rules of a practical investor

So, thanks to the simplicity of registration, a bank deposit has been and will be the most in an accessible way saving savings. Finally, a few recommendations for future Sberbank depositors:

1. Analyze the market bank deposits, look for great deals.
2. Good rates are usually offered by banks before long ones New Year's holidays, in December and summer, during holidays.
3. Look at the rate and frequency of capitalization of the deposit; it’s good if the deposit can be replenished. Try not to choose deposits without capitalization or at least monthly interest accrual.
4. You can open several deposits for different periods. This will increase your chances of transferring funds without losing interest when more advantageous offers from Sberbank.
5. Master Sberbank Online: half the legwork, higher interest rates, easier to manage your finances.
6. The deposit must not exceed the amount of DIA insurance.
7. During a crisis, open long-term deposits with the possibility of replenishment and the maximum interest rate, because when the situation stabilizes, there will no longer be such offers.