Finance, Banks
Is it worth it to open a deposit in Sberbank
The most common and affordable way to save money is a bank deposit (deposit). When it is opened, the main requirement for the bank is reliability. Today, about 950 licensed banks operate in Russia. The most famous and reliable, no doubt, is Sberbank.
Most thrifty Russians prefer to have a deposit in Sberbank - its share among all bank deposits is 45% (at the end of Q1 2013). This contributes to an impeccable reputation, a wide network of branches and a long history of the institution.
Consider the contributions of the Savings Bank of Russia for the population. So, six variants of time deposits are offered. The table below will help you choose a deposit in Sberbank, based on your preferences, amount and plans for the money you invest.
| Name of deposit | Description, purpose | % In rubles | % in dollars | % In Euro |
| "Save" | Maximizing income - term: 30 days - 3 years; - a minimum of 1 thousand rubles is needed; - interest accrual once a month; - interest is added to the deposit; - replenishment and partial withdrawal of money is not provided; - interest can be taken or sent to the card; - especially for pensioners, the highest deposit rate is set. | Up to 8 | To 3.25 | 3.25 |
| "Refill" | Creation of savings + income generation - term: 90 days - 3 years; - a minimum of 1 thousand rubles is needed; - interest accrual once a month; - interest can be taken or sent to the card; - interest is added to the deposit; - especially for pensioners, the highest deposit rate is set. | To 7.25 | until 3 | until 3 |
"Manage" | Getting income + using part of the deposit - term: 90 days - 3 years; - a minimum of 30,000 rubles is needed; - interest accrual once a month; - interest can be taken or sent to the card; - it is possible to replenish the deposit in the amount of 1 thousand rubles, 100 dollars / euro; - it is allowed to withdraw part of the deposit; - it is possible to increase the interest rate to the next amount of graduation;- the maximum possible deposit amount - the first installment multiplied by 10. | Up to 6,5 | Up to 2,8 | Up to 2,8 |
| "Gift a life" | Income generation + charity - term - exactly one year; - a minimum of 10 thousand rubles; - accrual of interest every 3 months; - income from interest can be taken or sent to a card; - interest is added to the deposit; - replenishment of the account and withdrawal of money is not provided; - 0,3% per annum from the deposit is sent to the charity fund every three months. | 7.25 | - | - |
| "Multicurrency" | Receipt of interest income + income from favorable exchange rate changes - 1-2 years, accuracy up to the day; - the minimum possible amount is 5 rubles / dollar / euro; - accrual of interest every 3 months, the rate depends on the size of the deposit and the minimum possible balance; - interest can be taken or sent to the card; - interest is added to the deposit; - partial withdrawal of money is not provided; - you can replenish from 1 thousand rubles, 100 dollars / euro; - Conversion is possible. | 0.01-6.1 | 0.01-2.7 | 0.01-2.7 |
| "Savings account" | Use of savings + monthly income - the contribution is unlimited; - the minimum amount is absent; - accrual of interest - once a month; - the minimum possible amount of replenishment is not limited; - You can withdraw the amount to zero, the account is not closed. | Up to 2,3 | Up to 1,15 | Up to 1,15 |
The average weighted interest rate on ruble bank deposits at the end of Q1 2013 is about 8.5% per annum. As we see, Sberbank offers less favorable terms, but for the majority of Russian depositors, it seems that the reliability and safety of savings is more important than a few percent of income.
If you decide to open a deposit in Sberbank, you need to come there with a passport, sign an agreement on opening a deposit (after having carefully read it) and deposit money into the account.
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