After the State Duma approved on December 23, 2014 an amendment to increase the non-taxable personal deposit tax rate on deposits to 18.25%( previously it was 13.25%), the second wave of the December rate of interest rates on deposits by banks began. Included in it, and the largest Russian bank, Sberbank, which increased the interest rates on individuals' deposits on December 24, 2014 .
Rating of the most profitable deposits of Sberbank for today is 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. With a period of 3-6 months and a balance of 700 thousand rubles.the rate is maximum and is 9.88%( taking into account the capitalization of interest).With a balance of 30 thousand, the rate is 9.37% on the same terms. Also this deposit can be opened in foreign currency. In dollars, the maximum interest rate is 4.95%( with the sum of 20 thousand dollars and the term from 6 months to 1 year with capitalization), in euros - 4.85% per annum( with the amount of 20 thousand euros from 6 months to 1 year with capitalization).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 6 months to 1 year and the deposit amount of 700 thousand rubles.the interest rate reaches 10.26%( taking into account the capitalization of interest).With an amount of up to 100 thousand on the same terms, the rate is 9.90%.In dollars, the rate goes up to 5%, in euros - up to 4.90%( in both cases with an amount of 20 thousand dollars and a period of 6 months to 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.
4 th place: The 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 700 thousand rubles.and the term from six months to 1 year, the rate taking into account the capitalization reaches 10.52%.And with an amount up to 100 thousand rubles, the rate goes up to 10%.In dollars, the rate goes up to 5.05%, in euros - up to 4.95%( in both cases with the sum of 20 thousand conventional units for a period of six months to 1 year, taking into account the capitalization of interest).The rate for pensioners is maximal, regardless of the amount of the contribution.
3rd place: Deposit "Manage On @ yin".This contribution differs from the previous one with the same name, that it can be opened only 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. On the "Manage On-Line" deposit, the rate for a period of 6 months to 1 year, taking into account the capitalization of interest with a balance of 30 thousand rubles, reaches 9.78%, and with a balance of 700 thousand rubles.reaches 10,80%.In dollars, the maximum interest rate is 5.21%( for the amount of 20 thousand dollars and a period of 6 months to 1 year with capitalization), in euros - 5.10% per annum( with the amount of 20 thousand euros and a period of 6 months to 1 year).
2 nd place: Deposit "Replenish Onl @ yn".At the opening of the deposit "Replenish" through the "Sberbank Online", rates for the term from six months to a year in rubles increase to 11.10% with the amount of 700 thousand and 10.08% with the amount up to 100 thousand. In dollars, the interest rate reaches 5.26%%, in euros - up to 5,15%( in both cases with the sum of 20 thousand conventional units for a period of six months to 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 leads by the value of interest rates not only among deposits opened through Sberbank Online, but also among all deposits of Sberbank in rubles, dollars and euros for individuals. With a deposit of 700 thousand rubles.and the period from six months to one year, taking into account the capitalization, reaches 11.52%.And with an amount of 100 thousand rubles, the rate reaches 10.94%.In dollars, the rate is 5.31%, in euros - 5.21%( in both cases with the amount of 20 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.
