Today, Sberbank of Russia offers several options for deposits: "Manage", "Replenish" and "Save". They differ from each other:
- the principle of crediting funds (with or without replenishment);
- cash withdrawal methods (without or only partially);
- the size of the interest rate.
The "Replenish" deposit in Sberbank cannot be opened online , you can only submit an application. Actually, all other options also need to be issued directly at the Sberbank branch. But you can control and manage deposits remotely.
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Terms of deposit "Top up"
When applying for opening a “Replenish” deposit at Sberbank of Russia (in person or online), you should first decide on the amount. The minimum is 1,000 rubles, and in foreign currency - 100 dollars / euros. As for the validity period of the deposit, you can assign it yourself, but you cannot withdraw money from the account ahead of time. They will remain intact all this time. However, the possibility of early closure of the account is not ruled out. But, then the interest rate will be calculated according to the minimum criterion of 0.01%.
Deposit replenishment can be carried out by any available options, for example, through the Sberbank Online service. There are no deposit limits and you can deposit any amount.
If you want to deposit money through the cash desk of a bank branch , it should be noted that at least you can replenish your account by 1,000 rubles.
Interest rates on the "Top up" deposit for 2019
The interest rate is calculated on an individual basis, based on the period of the deposit and its size. For example, Sberbank has a gradation regarding the amount and extremely high rates are valid only for investments for a period of 6 to 12 months.
For long-term periods, rates are slightly lower - from 3.7% to 4.2%. And with a deposit of up to six months - from 3.85% to 4.35%. The rate increases automatically if the amount returns.
Calculator for online calculation of the deposit according to the specified conditions
On the bank's page there is an online calculator for the preliminary calculation of the deposit.
Having decided to apply to Sberbank, it is better to choose the optimal deposit conditions in advance in the special section "Replenish". Using an online calculator, you can calculate all the parameters that are beneficial to you.
To do this, you will need to enter data:
- deposit account currency;
- the date of its opening and expiration;
- period of validity in number of days (set automatically);
- the size of the deposit;
- specify interest capitalization: if “Yes” is set, then interest accruals will be added to the deposit amount and increase the balance. If you put “No”, then the income received from interest income can be withdrawn as needed;
- if the depositor is a pensioner, then for him, within the framework of this program, the maximum interest rate is provided for any parameters;
- if desired, the deposit account can be closed ahead of schedule;
- replenishment frequency. You can choose when the funds will be deposited: once a quarter or a month;
- then click "Calculate". The interest rate will be shown. If something does not suit you, you can change the parameters in some points to achieve the optimal result.
How to open a deposit
To open any of the types of deposit accounts with Sberbank, you do not need to present any documents other than an identity card. Borrower must be over 18 years of age.
In order to apply through Sberbank Online, you need to find and open the “Account Opening” item, then go to the “Deposits and Accounts” section.
When the conditions are selected and the interest is calculated, you can go to the bank branch. You can get the maximum benefit if you have a pension certificate: the rate is 8.07%. If the depositor reaches retirement age during the deposit period, the rate will automatically increase.
In a bank branch, the process goes like this:
- An application is being filled.
- Based on the application, a contract is drawn up.
- The contract is signed. At this stage, it is important to double-check all the specified parameters so that the points that were negotiated with the employee are reflected in the agreement.
- Money is deposited (in cash or transferred from a card).
- A copy of the contract is issued.
You can open a metal deposit in Sberbank for platinum, gold and other precious metals.
Remote deposit management through Sberbank Online
To exercise control over a deposit, you must use the Sberbank Online system.
This resource must be entered using a password that is requested from Sberbank during the registration of the deposit. You can also get it at an ATM, through Mobile Banking, via SMS or by phone.
Instructions on how to replenish a deposit through Sberbank Online:
- Go to the "Deposits and Accounts" section. All available accounts and their status are displayed there.
- Click "Operations".
- Select "Deposit".
- Based on the prompts, enter the parameters of the card from which the transfer should be performed.
- Confirm the action with a password.
On the deposit, you can track transactions, request a statement and printout of the balance, as well as receive the necessary information.
Plus, you can perform other actions on the deposit, provided there is an available balance for withdrawal:
- pay for services;
- transfer money to another Sberbank card;
- make transfers to cards of other persons;
- transfer money to other organizations.
How to close a deposit online
You can also close a deposit account with Sberbank remotely.
Step-by-step instruction:
- Having opened the Sberbank Online Personal Account, go to "Deposits and Accounts" - "Operations".
- Then click on the “Close account” function.
- Confirm the operation with a code.
Next, the recalculation will be carried out and the amount available for transfer / withdrawal will be displayed. If the amount seems extremely doubtful, you should contact the bank branch and demand an explanation of the calculation procedure. Closed deposits are marked in red on the page.