Beneficial deposits of Sberbank for individuals( as of October 2014)
Despite the fact that Sberbank is now under sanctions from the West, state support continues to make it the most reliable Russian bank. In this rating we will consider the most profitable contributions of Sberbank, offering the maximum interest for individuals. The data are relevant for Moscow, St. Petersburg and all regions of Russia for October 2014.
Due to the increase in the rates of Sberbank , the deposit data was updated as of October 14, 2014 .
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 6.21% 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 5.77%.For the contribution in dollars and euro, the interest rate is the same - up to 1.78% per annum.
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 6.59%.The minimum amount is 10 thousand rubles.
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 7.16%( taking into account the capitalization of interest).With a balance of 30 thousand, the rate is 6.56% on the same terms.
5-th place: Deposit "Refill".As you can guess from the title, this is a contribution with the possibility of replenishment. With a term of 3 years and a deposit of 2 million rubles.the interest rate reaches 7.76%( taking into account the capitalization of interest).With an amount of up to 100 thousand on the same terms, the rate is 7.34%.
4th place: Contribution "Manage On @ yen".This contribution differs from the previous one in that it can only be opened through "Sberbank Online"( instructions for opening a deposit can be downloaded in the annex 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 at the balance of 30 thousand rubles reaches 7.46%, and with a balance of 2 million rubles.reaches 8.07%.
3rd place: The deposit "Save" differs 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 8.26%.And with an amount up to 100 thousand rubles, the rate goes up to 7.83%.
2 nd place: Deposit "Replenish Onl @ yn".At the opening of the deposit "Replenish" through "Sberbank Online", the rates are raised to 8.69% for the amount of 2 million and 8.26% for an amount up to 100 thousand.
1 st 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 9.20%.And with an amount of 100 thousand rubles, the rate goes up to 8.76%.