The largest Russian bank, which accounts for almost half of retail deposits in Russia, in December 2014 twice revised interest on deposits. For the first time on December 4, the second time - on December 18 .This is due to the growth rate of the Central Bank and the collapse of the ruble against the dollar and the euro.
The rating of the most profitable deposits of Sberbank for today looks as follows:
8th place: Deposit "Multicurrency".This deposit is opened simultaneously in three currencies: rubles, dollars and euros. On the ruble part of the deposit, the interest rate is up to 8.18% per annum( taking into account the capitalization of interest), provided the minimum balance is 1 million rubles and the term is 2 years. With the same term and balance of 15 thousand rubles, the maximum rate is 7.50%.For the deposit in dollars, the maximum interest rate is up to 3.96% per annum, in euro - up to 3.75%.Partial removal is not provided. There is a possibility of replenishment.
7th place: "Give life" contribution. The name of the contribution is borrowed from the fund for helping children with cancer, hematological and other serious diseases, founded by Russian actresses Chulpan Khamatova and Dina Korzun. Sberbank remits to the charity fund "Give Life" every 3 months an amount of 0.3% per annum of the deposit amount. The term of the deposit is 1 year. The interest rate with capitalization is 8.93%.The minimum amount is 10 thousand rubles( deposits are opened only in rubles).Partial withdrawal and replenishment are not provided.
6th place: Contribution "Manage."The interest rate on the deposit depends on the irreducible balance and maturity. At a term of 3 years and the balance of 2 million rubles.the rate is maximum and is 8.51%( taking into account the capitalization of interest).With a balance of 30 thousand, the rate is 7.89% on the same terms. Also this deposit can be opened in foreign currency. In dollars, the maximum interest rate is 3.92%( with the amount of 100 thousand dollars and a period of 1 year with capitalization), in euros - 3.71% per annum( with the amount of 100 thousand euros for 1 year).There is a possibility of replenishment and partial withdrawal.
5-th place: Deposit "Refill".As you can guess from the title, this is a contribution with the possibility of replenishment( but without partial withdrawal).With a term of 3 years and a deposit of 2 million rubles.the interest rate reaches 9.58%( taking into account the capitalization of interest).With an amount of up to 100 thousand on the same terms, the rate is 9.13%.In dollars, the rate goes up to 4.02%, in euros - up to 3.82%( in both cases with an amount of 100 thousand cu for a period of 1 year, taking into account the capitalization of interest).For pensioners under the deposit "Popolnyay" there are special conditions: first, the maximum rate for the chosen term, regardless of the amount of the deposit;secondly, automatic transfer to the best rates possible from the bank after reaching the retirement age and prolongation of the deposit. For more details see Profitable contributions of Sberbank of Russia for pensioners.
4th place: Deposit "Manage On @ yin".This contribution differs from the previous one in that it can only be opened through "Sberbank Online"( instructions for opening an online deposit can be downloaded in the appendix to the article).Due to this, interest is slightly higher than on a similar deposit opened in the bank branch. Under the "Manage On-Line" deposit, the rate at the balance of 30 thousand rubles reaches 8.26%, and with a balance of 2 million rubles.reaches 9.52%.In dollars, the maximum interest rate is 4.18%( with the amount of 100 thousand dollars and a period of 1 year with capitalization), in euros - 3.97% per annum( with the amount of 100 thousand euros for 1 year).
3rd place: Deposit "Save" is different in that it can not be replenished or removed part of the funds. But interest is the maximum for the ruble deposits of Sberbank, opened in the branches of Moscow and the rest of Russia. With a deposit of 2 million rubles.and the term of 3 years, the rate taking into account the capitalization reaches 10.29%.And with an amount up to 100 thousand rubles, the rate goes up to 9.64%.In dollars, the rate goes up to 4.13%, in euros - up to 3.92%( in both cases with an amount of 100 thousand conventional units for a period of 1 year, taking into account the capitalization of interest).The rate for pensioners is maximal, regardless of the amount of the contribution.
2 nd place: Deposit "Replenish Onl @ yn".At the opening of the deposit "Popolnyay" through "Sberbank Online", the rates rise to 10.61% with the amount of 2 million and 9.32% with the amount up to 100 thousand. In dollars, the interest rate reaches 4.28%, in euros - up to 4,07%( in both cases with an amount of 100 thousand conventional units for a period of 1 year, taking into account the capitalization of interest).For the deposit to pensioners, regardless of the amount of the deposit, the maximum rate is established.
1st place: Deposit "Save On @ yen".This contribution is leading in terms of the interest rate not only among deposits opened through Sberbank Online, but also among all Sberbank deposits in any currency for individuals. With a deposit of 2 million rubles.and the term of 3 years, the rate taking into account the capitalization reaches 11.34%.And with an amount of 100 thousand rubles, the rate goes up to 10.61%.In dollars, the rate reaches 4.39%, in euros - 4.18%( in both cases with the amount of 100 thousand conventional units for a period of 1 year, taking into account the capitalization of interest).As with the previous contribution, special conditions apply for pensioners.
