All about the contribution to keep in Sberbank. Contribution "Save" Sberbank: Terms and interest rates. Conditions for pensioners

Opening the contribution of "Save" from Sberbank, people can get a good profit for the storage of personal funds in the account. It is profitable and reliably because Sberbank is responsible for the safety of invested funds.

The advantages of the contribution of "Save"

For individuals In Sberbank of Russia for 2018, 5 types of deposits are available. All of them have different conditions and opportunities, but the main for customers most often is the interest rate than it is higher, the more income of the person. Putting money to the bank account, people want to get maximum profits.

And it can offer them the contribution "Keep", since it has a high bid and a lot of advantages:

The percentage rate is maximum compared to other deposits.
The term of investment can be chosen independently within the wide range.
All money is protected in accordance with government legislation, and depositors will necessarily receive their savings back.
You can open a few identical contributions to different amounts so that in the event of an emergency to remove from one money, closing ahead of time.
For pensioners on the contribution of "Save" there are special conditions.

On the contribution you can say a lot, but most importantly, you need to know a person - this is what money in the safe hands of Sberbank, interest constantly drip out and make a profit, and the conditions each bank client may find optimal under themselves individually. Every deposit in Sberbank is special - It opens according to the wishes of the depositor.

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Conditions of action

All deposits in Sberbank have different conditions of action. This deposit is different good conditions Opening and actions. They are most beneficial, but not very loyal that customers must take into account, making their choice.

The Deposit "Keep" has such conditions:

The score opens at least for one month, and then, at least half a year, at least for a year, but for a maximum of three years.
The contribution may be ruble or currency (in American dollars).
Prolongation (extension of the term) on the current conditions is available unlimited number of times. This is done without closing an account on the last day of his action.
Invest can be minimally from 1000 rubles or 100 dollars.
You can not replenish your account or partially to take money, the entire amount is submitted simultaneously on the day of opening the deposit and is closed at the end of the term.
Interest may be counted for the contribution (capitalization), bringing larger incomeor listed to another account and then they will be available for removal.
Percentage accrual occurs monthly, regardless of the selected form.
You can open a deposit online through the Bank's website (for existing Sberbank customers) and get an increased interest rate.
The interest rate on the deposit will be minimally 0.01%, and the maximum 5.5%, everything will depend on the selected period and the sum of the invested funds.
The interest rate on the currency and ruble deposit will differ significantly.
The contribution can be closed ahead of schedule, receiving interest at the request "to demand", which will affect the dates for the opening of the deposit and the moment of returning funds.

This type of deposit from Sberbank is beneficial to the amount, deadlines and interest rates - they are the highest of all. But if a person cannot simultaneously put a large amount (after all, the little thing will be a meager income), then this deposit is not entirely beneficial to him, because it is impossible to replenish it. Also open this contribution is not worth it if there is no guarantee that money will try on the account of the entire period, otherwise, with early removal, a large amount will be lost.

Interest rates of the deposit "Save"

On deposits open in national currency, interest rates Showing in the table.

If you open in your account:

Term / amount in rubles	1 000 -99 999	100 000 – 399 999	400 000 – 699 999	700,000 or more
1-2 months.	3.80%/3.80%	3.95%/3.95%	4.10%/4.10%	4.10%/4.10%
2-3 months.	3.95%/3.96%	4.10%/4.11%	4.25%/4.26%	4.25%/4.26%
3-6 months	4.00%/4.01%	4.15%/4.16%	4.30%/4.32%	4.30%/4.32%
6-12 months.	4.15%/4.19%	4.30%/4.34%	4.45%/4.49%	4.45%/4.49%
12-24 months.	4.05%/4.13%	4.20%/4.28%	4.35%/4.44%	4.35%/4.44%
24-35 months.	4.05%/4.21%	4.20%/4.37%	4.35%/4.54%	4.35%/4.54%
36 months	4.05%/4,30%	4.20%/4.47%	4.35%/4.64%	4.35%/4.64%

If you open in the Bank's office:

Term / amount in rubles	1 000 -99 999	100 000 – 399 999	400 000 – 699 999	700,000 or more
1-2 months.	3.55%/3.55%	3.70%/3.70%	3.85%/3.85%	3.85%/3.85%
2-3 months.	3.70%/3.71%	3.85%/3.86%	4.00%/4.01%	4.00%/4.01%
3-6 months	3.75%/3.76%	3.90%/3.91%	4.05%/4.06%	4.05%/4.06%
6-12 months.	3.90%/3.93%	4.05%/4.08%	4.20%/4.24%	4.20%/4.24%
12-24 months.	3.80%/3.87%	3.95%/4.02%	4.10%/4.18%	4.10%/4.18%
24-35 months.	3.80%/3.94%	3.95%/4.10%	4.10%/4.27%	4.10%/4.27%
36 months	3.80%/4.02%	3.95%/4.19%	4.10%/4.35%	4.10%/4.35%

According to the deposit "Keep", open in dollars, interest rates will be such:

The first bet, if percentages to shoot monthly.
The second, if the deposit opens with the percent capitalization condition.

Opening in the Personal Account:

Amount (dollars) / term	100 – 2 999	3 000 – 9 999	10 000 – 19 999	20 000 or more
1-2 months.	0.10%	0.15%	0.15%	0.15%	0.15%
2-3 months.	0.10%	0.15%	0.15%	0.15%	0.15%
3-6 months	0.30%	0.35%	0.35%	0.40%	0.40%
6-12 months.	0.65%	0.70%	0.70%	0.75%	0.75%
12-24 months.	1.00%	1.10%	1.10%	1.10%	1.10%
24-35 months.	1.15%	1.25%	1.25%	1.25%	1.25%
36 months	1.25%	1.35%	1.35%	1.35%	1.35%

Opening in the office:

Amount (dollars) / term	100 – 2 999	3 000 – 9 999	10 000 – 19 999	20 000 or more
1-2 months.	0,05%/0,05%	0,05%/0,05%	0,05%/0,05%	0,10%/,010%
2-3 months.	0,05%/0,05%	0,05%/0,05%	0,05%/0,05%	0,10%/,010%
3-6 months	0,10%/,010%	0,10%/,010%	0,10%/,010%	0,15%/0,15%
6-12 months.	0,30%/,030%	0,35%/0,3	0,40%/0,40%	0,50%/0,50%
12-24 months.	0,65%/0,65%	0,75%/0,75%	0,80%/0,80%	0,90%/0,90%
24-35 months.	0,80%/0,81%	0,90%/0,91%	0,95%/0,96%	1,05%/1,06%
36 months	0,90%/0,91%	1,00%/1,01%	1,05%/1,07%	1,15%/1,17%

Favorable conditions for pensioners

Pension contribution to Sberbank for any program is much more profitable than usual. The tariff is different, and rather the interest rate. The pensioner on deposits can get the highest percentages regardless of the amount, only the term affects.

Range of bets on the contribution "Keep" will be 4.20% -4.45% on a ruble deposit and 0.15% -1.35% on the currency.

There is this proposal for women from 55 years old and men over 60 years old. If a person opened a deposit in Sberbank, not being a pensioner, then the rate will be automatically recalculated for the renewal of the deposit.

All other conditions for the contribution of "preserve" for pensioners are the same as for other depositors, no time, nor the conditions for replenishment or removal are not different. But they can always be clarified on the website or in the office at the bank employee, because retirees are more trusted by living communication than the Internet.

Calculator

Each depositor, before opening a deposit, can see the benefit from it using the Calculator on the Sberbank website. To do this, in the appropriate fields, you must specify the currency, the amount, the date of opening and closing the deposit, the total validity period will be capitalized or not, is the contributor to the pensioner or not.

Summa contribution

Interest rate (%)

Deposit term (month)

Monthly interest

reinvest are removed

The deposit can be discovered by contacting the Sberbank branch. To do this, you only need to have a passport and money, if you plan to make cash, and not by transferring from the card to the account. In the bank it will be necessary to write a statement and transfer it to a consultant, after which specified amount On account.

There is also an option to open a deposit through Sberbank online. For this action, the Bank charges additional interest to the set rate, and therefore people are preferable to this method, especially since all actions are remotely and the depositor can open a deposit at a convenient time.

The algorithm for the opening of the deposit online is:

If the contribution was replenished with the translation from the card, then all the actions are finished, and if not, it is necessary to transfer money in the near future, otherwise the deposit will not start acting.

How to close the account?

The deposit closure is also an important process that needs to be implemented correctly. This is done with the help of a personal account through Sberbank online (throughout the term of the deposit, the depositor may track the receipt of interest on the account). To close the contribution, it is necessary to conduct such actions:

The deposit is needed the day after the expiration date of the contract. If there is a desire to extend it automatically on the previous conditions, without removing the money, you can do it on the last day of its action. All these operations are conducted in the Personal Account in the appropriate section, and it is not difficult to make them, since the system accompanies any action by the detailed instruction.

Early closure

The contribution of "Save" from Sberbank can be closed early if you wish to pick up the entire amount and part of interest.

They will be accrued at the next rate:

0.01% - if the contribution is open for less than 6 months.
0.01% - if the contribution is open for more than half a year, but the money is closed in the first six months of its action.
2/3 From the interest rate - if the contribution is open more than half a year and is closed at least 6 months of its action.

Discover the deposit in Sberbank is not scary to any amount, because this bank It is not only popular, but also to confidence customers due to the active growth of capital, participation in the State Deposit Insurance Program and a large term of action in the global financial market.

Sberbank is the largest bank, here people can invest their remedies albeit under a small, but stable percentage with a full guarantee of return and make a profit without worrying for their savings.

One of the main banks of Russia provides customers with a wide range of deposit proposals. Each product has its own conditions and aims to create a comfortable use. Some clients seek to make funds for a cumulative account and not touch the contract during the entire period of the contract, other preferred every month to use interest accruals. For the persons of the first category, Sberbank provides the contribution of "Save". In 2019, the provisions on it make it possible to store savings under the percentage, without removing the entire period.

Conditions of the contribution of "Save" in Sberbank for individuals for 2019

This offer is aimed at users who want to keep safe and increase savings during a certain period of time. It should be noted that during the action of the contract the depositor cannot use money without complete termination. The invested amount accrued interest, which the client can optionally take off. However, the storage option with the capitalization of interest can be chosen, in such embodiments, the profit gains increases the size of the principal amount to which interest is also added.

Conditions for the "Save" deposit:

Investment account can be opened in one of the three currencies: rubles, dollars, euros.
Annual credit rate in the range 3,08-5,15% . Profit depends on the period of placement and size of investments. The greatest income is calculated when opening an account over 700 thousand rubles. for 3-6 months.
The entire amount of the deposit is divided into five intervals, each of which uses its interest rate.
The deposit opens if there are over 1000 rubles, or 100 dollars and euros on the account.
The account does not provide for the operations to replenish or removing the part of the funds. The depositor can only take advantage of the accrued interest if capitalization does not provide.
The deposit can be opened in rubles for a period of 1 to 36 months. In other currencies, over 1 year.

Interest for placing funds are accrued every month and spent on any purpose.

If the depositor needed the entire invested amount, it can at any time request funds and early terminate investment account. In such cases, it should be borne in mind that banking organization Sets some limits in terms of the amount of interest paid by deposits, rejected early.

Deposit, which ceased to 6 months from the date of registration and contributions to the duration of less than half a year return with the minimum annual interest rate equal to 0.01%
When refunding after 6 months, the percentage also decreases. Reimbursement will be made on the basis of the proportion of equal to 2/3 from the initial contribution rate.

Upon completion of the term of the deposit, the extension is automatically extended new term Under the conditions identical to the previous one. The number of prolongations is not limited.

Therefore, the contributions will fit perfectly with savings and wishing to extract profit from them. However, if there is a chance that after the deposit is issued, you may need a sum after a short time, you should keep your choice on other bank offers. Sberbank offers a wide range of tariffs for every taste.

Rates on the deposit "Keep" for pensioners in 2019

The banking institution takes care of its customers and strive to provide them with the best maintenance provisions, in particular, it is related to depositors to pensioners. For this category of customers, Sberbank has developed special conditions.
Personal persons are given the opportunity to issue a cumulative account "Keep" on preferred conditions. The main difference from the main mass of the depositors is the fact that the people of retirement age are provided with an increased interest annual deposit rate, regardless of the amount posted on the account.

If the client opened a deposit under standard conditions, but during the action reached the retirement age, at the date of the next extension, new favorable bets automatically apply to it.

For 2019, age limits retirement: for women - 55 years, for men - 60 years.

How to discover the contribution

For opening cumulative account It is necessary to contact the office of Sberbank with the general passport. An employee of the bank will provide a compiled contract for the signature. After the documents are assigned to the depositor, it is necessary to make funds to the account. You can replenish the contribution both through the bank's cash register and through an ATM independently.

By this offer The remote opening of the investment account is not provided.

If you wish, open a deposit remotely on similar conditions, you should consider the line of products "Online" and choose the appropriate option for yourself.

On the Internet on the official resource of the bank, the Deposit Calculator deposits is placed. A convenient tool makes it possible to calculate the profitability of a deposit in advance at different periods. In addition, the depositor can determine the amount of interest paid when terminating the contract until the end of the term.

Account currency;
Date of deposit;
The date of completion of the deposit period either the day to which the contract will be terminated;
The term of the contract in days, this parameter is calculated automatically after entering the two above dates;
The initial amount of the deposit;
Availability or lack of capitalization of interest or transfer to the depositor card;
Early termination or after expiration;
Client attitude to the preferential category of depositors.

After specifying all necessary information You need to click on the "Calculate" button and the tool displays statistical information based on the parameters entered.

Become a bank client and issuing a deposit can any person who provided a passport. Therefore, it is possible to be serviced by deposit from 14 years. In addition, the account may be decorated for a minor in the event of a product with legal guardians.

Sberbank Cutting online is a special program to preserve and increase your cash savings. You can open the contribution directly on the site, which is a huge plus. It is not even necessary to wait for the consent to design, you simply translate money from your account to the deposit account and get per month on it. To arrange, you need to carefully read the conditions, fill out the application and click on the "Open" button. Let's talk about it in more detail.

FEATURES OF THE INCLUSTE OF CONSTRUCTION ONLINE SBERBANK

The conditions that are provided by this program are very beneficial for ordinary people. But most beneficial for pensioners. If a person over the sixty years will issue, then there are special benefits for him:

the highest rate is determined by a given period, regardless of the deposit amount;
when moving across the border of retirement age, its account is automatically translated to the highest interest rate.

Deposit conditions

If the client has not reached a retirement age, then standard conditions will be operated on the deposit online:

The term of accumulation - from a year to three years. The contribution opens in rubles or US dollars;
The interest rate is determined by the amount, accumulation period and the deposit currency;
Replenishment and partial removal are not provided (with the exception of accrued interest: their holder can receive monthly);
Capitalization works on the deposit. This means that accrued interest is added to the "body" of the contribution, increasing its profitability in the following months.

After the expiration, the contribution will close automatically, but if you wish, it can be prolonged (the number of prolongations is not limited). Also possible early closure of the contribution.

Tariffs

You can put any amount from 1,000 rubles to the deposit. The upper limit is not limited. However, the rate depends on the size of the contribution: the more funds are invested by larger percentage Calculate Sberbank. Details - in the table below.

Tariffs by deposit online

Deposit amount
From 1 000 rub
From 100 000 rubles
From 400,000 rubles

Deposit Conditions Save Online for Pensioners

Sberbank traditionally offers pensioners wide product line - special plastic cards, loans and deposits. And besides individual programs, there are special conditions for all deposits for the elderly, incl. Save online. What is it about:

For pensioners, the maximum rate is always installed, regardless of the deposit program and the amount included in the account *;
If the client has reached a retirement age after the opening of the contribution, the prolongation is carried out at a maximum rate on the selected deadline for this deposit;
Pensioners can make a power of attorney or make a testament order on the deposit online in.

At the same time, for deposits opened through the Internet Bank, the maximum rate is established only for pensioners in age - women of 55 years and older and men over 60 years old.

What is the size of the maximum bet? For Pensioners, Sberbank establishes the percentage provided for for deposits of the amount from 2 million rubles. / from 100 thousand dollars / from 100 thousand euros.

Deposit Calculator Save Online

To compare the profitability of deposits, today it is not necessary to contact the bank for advice or make calculations manually. Instead, the site suggests using an online deposit calculator - a program, which accurately calculates income from any deposit, incl. Save Online Sberbank. How our calculator works:

Enter the main contribution parameters - the amount, currency, value and type of interest rate (fixed or floating);
Indicate the placement period, the frequency of payments and the availability of capitalization;
If it provides for the contribution, enter the planned replenishments - a single, daily, weekly or monthly;
Check the entered information and click "Calculate the Deposit".

According to the total calculations, the calculator will show what the planned income from the deposit is - how much money the bank will be accrued, as well as income directly from interest. If necessary, the calculator will build a detailed schedule of payments (with the calculation date and accumulated percentage).

How to replenish the contribution save online?

In general, you can replenish the deposits of Sberbank in two ways - through cashless payments or cash. Let us consider in detail every way that the funds are made on the deposit:

Online bank. In the Personal Account in the "Deposits and Account" section, all deposits open to the client name are available. By selecting the current contribution, in the "Operations" section you need to click the "Top up" button and specify the account data from which the money will be transferred to the deposit;
ATM. In the menu, select the item "Operations with accounts, deposits and loans", hereinafter - "Contribution section". You can replenish the deposit directly from the card or in cash if the device is equipped with a bill acceptor;
Branch. In the cashier of Sberbank, you need to submit a document certifying the person and make money. After some time, funds are credited to a deposit.

In addition to the main ways, it is possible to replenish the contribution through mobile app or terminal. The algorithm of actions is similar to replenishment through the Internet bank and.

How to close the contribution save online?

After the expiration of the deposit, it is automatically closed. But if you want to do it ahead of schedule, then no one can prevent you. Of course, it is much more profitable to wait for the expiration of the deposit period. But sometimes there are situations that forced to take money right now.

Today, any deposit in Sberbank closes remotely (such an opportunity concerns the early termination of the contract). For this:

Using the login and password, log in in the Sberbank online system;
In the top line of the personal account, select the tab "Deposits and Accounts" tab;
Click on the "Close Contribution" link, and then select the account you want to close;
Specify how Sberbank should translate funds from the deposit;
Fields of the application "Funds", "Closing Date", and "Exchange Course" Edit is not necessary: \u200b\u200bTheir system will fill automatically;
Confirm the operation by clicking the "Close" button, after which check the correctness of the details;
If everything is issued correctly, click "Confirm", and then - "Confirm on SMS";
When a disposable code comes to the phone, enter it into the empty field and send an application.

The new page displays your application with a stamp "executed". Here you can print the check and request the help of the manager, if something in the closing of the deposit account confused or did not go according to the instructions.

Today we consider the topic: "Sberbank Contribution" preserve the "Conditions" and will analyze based on the examples. All questions you can ask in the comments to the article.

Hello, dear guests blog WomanForex.ru, Today we will talk about the contribution of "Save" from Sberbank, and also we will try to determine how profitable it is.

Sberbank, as a leader among domestic credit institutions, can boast the presence of a huge number of diverse deposit programs, which allows the potential customer to choose a deposit with suitable conditions for itself.

No video.

It is important to mention the fact that the conditions of the contribution of "preserve" do not allow partial removal of funds. At the same time, percentages are accrued on the amount of deposit monthly, which the client can, if desired, can withdraw and use at its own discretion.

If the client does not have acute need for cash And does not remove accrued interest, then thanks to capitalization, they will be added to the main deposit, and next month interest will also be accrued. If you do not take accrued interest, then thanks to the capitalization after the expiration of the deposit, you can count on an impressive profit.

Participation in the Deposit Program "Save" is carried out under the following conditions:

The client is considered credit organization There is an opportunity to open a deposit "Keep" in foreign currency (Euro, dollar) or in rubles.
The deposit interest rate is from 3.08 to 5.15%. The accurate interest rate depends on the deposit currency, its volume, as well as the period for which the contribution opens. According to the conditions under consideration of the deposit program, to extract the maximum benefit, it is necessary to open a ruble deposit of more than 700 thousand rubles. At the same time, the period of opening of the contribution should be from three to six months.
The minimum possible deposit amount is a thousand rubles for ruble deposits. If you are planning to open a deposit in currency, then minimum amount The contribution will be a hundred dollars.
The deposit program under consideration does not allow partial removal of funds, as well as deposit replenishment. The client can only take accrued interest or leave them to increase the size of the contribution.
Ruble deposits can be discovered for a period of one month to three years. Currency deposits on the Deposit Program under consideration are opened for a period of 1-3 years.
Interest on the contribution under consideration is charged monthly and used in accordance with the wishes of the client.

If the client arises a serious need for free cash, he can take his contribution and close the deposit almost at any time. According to the rules of the Deposit Program under consideration, with early closure of the contribution to calculating the income of the Client, an underestimated interest rate is used.

So, for example, if the depositor takes its funds within six months after the creation of a deposit, it will almost not receive any income. This is due to the fact that to calculate the income due to the client, the interest rate is applicable 0.01.

No video.

If you close a deposit six months after its discovery, you still receive income, but its size will be significantly less than it was planned initially. This is due to the fact that the rules of the program under consideration provide in this case a decrease in the amount of interest rate by a third.

A separate mention deserves the fact that after the end of the contribution period, it is automatically extended for a similar period, provided that his owner did not accept a different solution. At the same time, a new contribution opens under the conditions that will be valid at the time of prolongation. It should be noted that the deposit program under consideration does not imply any restrictions on the number of deposit prolongations.

Based on the conditions described above, it can be concluded that the program under consideration is the best option for those depositors who have a certain amount of free money and wish to save them, as well as earn a little.

At the same time, if you admit the likelihood of developing a situation that until the end of the term of the contribution, you may have a serious need for cash and you will have to premature a deposit, it is best to pay attention to another deposit program. In the assortment of Sberbank, you will definitely find the deposit program whose conditions will be suitable for you.

Everyone knows that the credit institution under consideration is trying to provide optimal conditions for all groups. potential customers. Some of the Sberbank leadership pays for retirement ages. Especially for them, the credit institution under consideration offers more favorable conditions.

In contrast to ordinary customers, the Personal Personal Persons when opening the described deposit receive the most profitable bet For the selected deposit period, regardless of its volume. Separately, the mention deserves the fact that if the client after the discovery of the deposit under consideration reached the retirement age, then with the extension of the deposit period, preferential conditions will be established.

According to the rules of the Credit Organization under consideration, in 2019, open the described deposit on preferential conditions Under the most profitable interests there may be women in returning from 55 years, as well as men whose refund is at least 60 years.

If you have decided to open the described contribution, then, first of all, you should visit the branch of the credit institution under consideration, and you need to not forget to grab a passport with you. When visiting the Bank's branch, you should contact one of the managers who will assist you in making a statement. After the application is signed, you just just make a stipulated amount of funds to the deposit account.
Depending on your preferences, you can make the required amount of funds both through the cash desk of the branch of the bank and using one of the ATMs.

Accumulated a decent amount and do not know how to keep money from inflation and from thoughtless spending? Put your savings on the deposit "Keep" from Sberbank. Sberbank offers favorable and transparent conditions to its customers, so the contribution of "Save" in Sberbank is an ideal solution for saving accumulated funds. If you have little time and there is no physical ability to personally visit the bank branch, you can open the similar contribution to "Save Online" through Personal Area On the official Sberbank website on more favorable terms.

Page Content

These two deposit programs are perfectly suitable for those who care about their future, but does not know how to keep their savings. The guarantee of saving savings is the absence of the possibility of removing funds from the account and increase the total amount due to interest accumulation.

Sberbank's contribution Save

The Sberbank Deposit Program "Save" is characterized by simple and understandable conditions that do not contain any hidden commissions. According to this contribution, the highest interest rates are valid compared to the rest of the bank's proposals. For those who wish not only to get rid of themselves from the temptation to spend accumulated, but also to increase this amount, the deposit "Keep" will become the best solution.

Deposit conditions save

Sberbank offers its customers the discovery of the contribution of "preserve" under the following conditions operating for individuals:

at the discretion of the depositors, the term of the contract for the opening of a deposit account may be inclusive of one month;
deposit account opens both for national and for foreign currency (Euro or US dollars);
interest rates on the deposit vary in the range of 0.01 - 5.15%, depending on the selected currency of the deposit, the term of the Treaty on the opening of the Deposit Account, as well as on the amount of the contribution;
the deposit amount should be at least one thousand rubles (100 euros or dollars);
the ability to remove a certain part of the amount is not provided for by the program;
there is no possibility to replenish the deposit account;
the client himself chooses the interest scheme for the deposit (it can remove them, capitalize or enroll to another account in Sberbank or a plastic card);
accrual interest on the deposit is carried out automatically every month;
the client can extend the deposit period (prolong), without closing the contract on the last day of its action;
the number of automatic prolongations is unlimited;
under the deposit prolongation, the conditions and the amount of interest rates are preserved, which acted at the time of signing this agreement.

Along with the advantages of this deposit program, there are also disadvantages that at first glance are insignificant and few people notice them. The underwater stones of the "Save" deposit are as follows:

if you have an acute need for money, and you made a decision on the early termination of the contract and the removal of funds from the deposit, then banking system recalculate accrued interest in a new rate;
in case of termination of the contract for up to six months from the date of its conclusion, you counted interest at the rate of 0.01%;
if more than six months have passed since the opening of the contribution or its prolongation, the bank will pay you only 2/3 from the amount of interest accrued earlier;
in case of early closure of the deposit, the capitalization of interest is not taken into account, if such a place had to be.

Help to make a preliminary approximate calculation of profits from the contribution can be a special calculating calculator that is on the official banking site on the corresponding page of this resource. To calculate the income from the deposit, you will need to specify the following data:

Investment currency.
The beginning and end of the term of the contract.
Number of calendar days.
Amount.
Accrual scheme (with or without capitalization).
Are there any intentions.
Whether you are a pensioner.

After all the necessary fields of the calculator form are filled, you need to click on the "Calculate" button and the system will give you exemplary figures that are not a guarantee that in the future you will get exactly such a profit because the mass of other factors that are not taken into account Can affect the amount of accrued interest.

How to make a contribution to keep

If you carefully studied the conditions of the deposit program and decided to open the deposit in Sberbank, you need:

Take a passport of a citizen Russian Federation or another document that can confirm your identity.
Personally come to the bank branch.
Explain the employee of the institution goal of his visit and ask to help.
Carefully familiarize yourself with the contract printed on paper.
Sign a document.
Make the required amount for the discovered deposit account.

The procedure does not take too much time, everything happens promptly and fast enough, but you have to spend time on the road and 20 minutes to sign the contract.

Attention! For each contribution from the program "Save" Customers of Sberbank can make a testament.

Contribution Save online from Sberbank

If you are downloaded by the work or the nearest branch of the bank is far enough from you, then you have an excellent opportunity to open the contribution of "Save online" just at home and at more favorable conditions for you. This will require only PCs and access to the Internet. Mandatory condition is also the registration procedure on the official website of the bank in the Sberbank online system, which will take just a few minutes of your time, but will open in front of you great opportunities and access to your accounts and deposits.

Deposit Conditions Save Online

According to the Deposit Program "Keep online" the following conditions apply:

the client independently determines the term of the deposit with an accuracy of one day, i.e. The term may be specified not only in months, but also in days;
the minimum term is 1 month, the maximum - 3 years, but prolongations in unlimited quantities are possible;
the account can be both ruble and in dollars or euros;
interest rates are dynamic and vary from 0.01 to 5.63%, which depends on certain factors;
this program, as well as the contribution of "Save", does not provide for the account replenishment or removal of the amount;
percentages are capitalized, removed or credited to a bank account or map;
the extension of the contract takes place in automatic mode if the client did not reveal the desire to terminate it on the last day of its action;
for depositors of pensioners initially set as possible high rates Depending on the period for which the deposit account opens, while the age of women's pensioners cannot be less than 55 years, and men retired - less than 60.

The underwater stones of this banking product lies in the fact that the bank will not pay you the entire amount of interest accrued in advance in case of early termination of the contract, but only its part and excluding capitalization:

if you terminate the contract before the onset of 6 months from the date of the deposit, you will receive only 0.01% per annum on the total amount of the deposit;
if you close an account after the expiration of 6 months or more from the date of signing or extending the contract, you can only calculate two-thirds of the amount of accrued interest.

For approximate calculations of the amount of interest on the "Save Online" deposit on the Sberbank website there is a calculator. To get an answer to the question, how much will make your income from the deposit, you need to fill all empty graphs and note the necessary values, after which the system will make an approximate calculation based on the data you specified.

Attention! Calculations obtained as a result of using an online calculator are not a guarantee of your income from the deposit in future periods.

Table. Interest rates on deposits "Keep" and "Save online".

How to make a contribution online

The procedure for making a deposit "Save online" is quite simple, so even inexperienced older people can cope with it in minutes. To open a deposit account on the terms of this program, it is necessary:

How to close your contribution save online

To close the contribution of "Save Online", there is no need to visit the bank branch and sign a bunch of papers. You will need only a couple of minutes to do the following:

When sending an electronic application for closing a deposit account, you will need confirmation by phone. On the financial number of your phone (the one that you specified when opening a contract or is attached to your bank accounts), an SMS-alert with a one-time password will come, to make which you need to make an empty field to confirm the application for closing the deposit.

Table. Interest rates on the deposit "Keep" for pensioners.

Deposit Currency / Term	From 1 to 2 months	From 2 to 3 months	From 3 to 6 months	From 6 to 12 months	From 12 to 24 months	From 24 to 36 months	36 months
Rubles, from 1000 rubles. (with capitalization)	4,3% (4,3%)	4,75 (4,71%)	5,1% (5,12%)	4,95% (5,0%)	4,95% (5,06%)	4,9% (5,14%)	4,8% (5,15%)
US dollars, from 100 dollars (with capitalization)	0,01% (0,01%)	0,01% (0,01%)	0,05% (0,05%)	0,4% (0,4%)	0,8% (0,8%)	0,9% (0,91%)	1,05% (1,07%)
Euro, from 100 euros (with capitalization)	0,01% (0,01%)	0,01% (0,01%)	0,01% (0,01%)	0,01% (0,01%)	0,01% (0,01%)	0,01% (0,01%)	0,01% (0,01%)

Based on the data given in the table, for pensioners, the optimal solution will be deposits, taking into account the capitalization on maximum timethat is, for 36 months inclusive.