In this rating we will consider the most profitable bank deposits offered by Sberbank of Russia in May 2015 to depositors who are individuals. The rates are valid from May 20, 2015.
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 7.33% 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 6.66%.For the deposit in dollars, the maximum interest rate to 3.14% per annum( for a period of 1 to 2 years and the amount of 100 thousand), in euros - up to 2.22%( for a period of 1 to 2 years and the amount of 100 thousand).Partial removal is not provided. There is a possibility of replenishment.
7th place: Deposit "Manage".The interest rate on the deposit depends on the irreducible balance and maturity. With a period of 6-12 months and the balance of 700 thousand rubles.the rate is maximum and is 8.03%( taking into account the capitalization of interest).With a balance of 30 thousand, the rate is 7.52% on the same terms. Also this deposit can be opened in foreign currency. In dollars, the maximum interest rate is 3.09%( with the sum of 20 thousand dollars and the term from 6 months to 1 year with capitalization), in euros - 2.17% per annum( for the amount of 20 thousand euros from 1 to 2 years with capitalization).There is a possibility of replenishment and partial withdrawal.
6th place: Deposit "Give life".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 8.67%.The minimum amount is 10 thousand rubles( deposits are opened only in rubles).Partial withdrawal and replenishment are not provided. 
5th 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 8.76%( taking into account the capitalization of interest).With an amount of up to 100 thousand on the same terms, the rate equals 8.39%.The maximum rate for this deposit in rubles is 9.96% per annum for a period of 3 years with an amount of 700 thousand rubles. In dollars, the rate goes up to 3.20%, in euros - up to 2.27%( in both cases with an amount of 20 thousand dollars and a period of 1 to 2 years, 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 Onl @ yn".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 attachment 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 for a period of 6 months to 1 year, taking into account the capitalization of interest with a balance of 30 thousand rubles, reaches 7.98%, and with a balance of 700 thousand rubles.reaches 9.01%.In dollars, the maximum interest rate is 3.35%( with the amount of 20 thousand dollars and the period from 1 to 2 years with capitalization), in euros - 2.43% per annum( with the amount of 20 thousand euros and the period from 1 year to 2 years).
3rd place: Deposit "Refill On @ yen".At the opening of the deposit "Replenish" through Sberbank Online, the rates for a period of 3 years in rubles increase to 9.96% with the amount of 700 thousand and 9.26% with an amount up to 100 thousand. In dollars, the interest rate reaches 3.45%in euros - up to 2.53%( in both cases with the amount of 20 thousand conventional units for a period of 1 to 2 years, taking into account the capitalization of interest).For the deposit to pensioners, regardless of the amount of the deposit, the maximum rate is established.
2 nd place: Deposit "Save" is different in that it can not be replenished or removed part of the funds. With a deposit of 700 thousand rubles.and the term of 3 years the rate taking into account the capitalization reaches 9.96%.And with an amount up to 100 thousand rubles, the rate reaches 9.32%.In dollars, the rate goes up to 3.30%, in euros - up to 2.38%( in both cases with the sum of 20 thousand conventional units for a period of 1 to 2 years, taking into account the capitalization of interest).The rate for pensioners is maximal, regardless of the amount of the contribution.
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 deposits of Sberbank in any currency( see Sberbank's Profitable Foreign Exchange Deposits).With a deposit of 700 thousand rubles.and the term of 3 years the rate taking into account the capitalization reaches 11.01%.And with an amount of 100 thousand rubles, the rate goes up to 10.29%.In dollars, the rate is 3.56%, in euros - 2.63%( in both cases with the sum of 20 thousand conventional units for a period of 1-2 years, taking into account the capitalization of interest).As with the previous contribution, special conditions apply for pensioners.
