What is a deposit account in Sberbank?

Thanks to deposits, there is a real opportunity to save your money and at the same time to receive a profit in the form of accrued interest, which are set by the bank. Sberbank is the leader among Russian banks in terms of the number of deposits from the population. This is all due to the fact that the population trusts this bank. Also this financial institution is supported by the state.

What characteristics does the deposit of Sberbank have?

The time for which the deposit is opened affects the interest rate, and the longer it is, the higher the interest. Another factor that affects the interest rate is the amount by which the contribution is made. To date, Sberbank offers a line of eight deposits. Let's talk about the most popular.

Deposit deposit for accumulation

When opening a deposit for the purpose of accumulation, the interest rate will increase as its time increases. The agreement does not provide for partial withdrawal of funds, but you can replenish the contribution in cash and by cashless way. Interest is accrued on a monthly basis. The maximum interest rates on deposits of this type are 6 percent per annum in the event that the deposit is opened for 2 years. It can be opened only in rubles. This is beneficial for those who have a large amount of money, and it will not be required in the next couple of years.

Trust deposit

Such a deposit does not provide for the possibility of either a partial withdrawal of funds or its replenishment. The term of the deposit is from two to three years, the interest is paid only after the end of the term, and the rate will be 6 percent with the deposit amount of ten thousand rubles.

Deposit in any currency

This contribution to Sberbank is open for a period of from one month to three years. The minimum amount is 300 euros or 1000 rubles. Replenishment and withdrawal of funds is not provided. The interest rate is affected by the amount of the deposit. If the contract is executed more than Year, the bank provides free annual service of bank cards. In addition, other deposits of Sberbank are also offered.

Leader on deposits

Of course, Sberbank is the leader in the domestic market for individuals' deposits, as it holds more than half of the funds invested by Russian residents in all its deposits. There is also the fact that Sberbank suffered the smallest losses during the financial crisis. In the bank there was a slight outflow of funds, but then the situation stabilized. It is also worth mentioning that the interest rate on deposits in Sberbank is not the only criterion by which clients choose a financial institution to deposit their money. Due to its long existence in the market and good reputation, people prefer to choose this bank: even if the interest is not the greatest, but the confidence in Sberbank is very high. Before opening a deposit, you need to more accurately find out all the nuances, because today it can be done through the Internet.