Whether to open a Deposit in the savings Bank
Table of contents:
The Most common and affordable way to save money is the Bank contribution (Deposit). When it is opened, the main requirement to the Bank is reliability. Today in Russia operates about 950 licensed banks. The most famous and reliable, without a doubt, is a savings Bank.
The Most frugal of Russians prefer to have a Deposit in the savings Bank - its share among all Bank deposits amounts to 45% (end of Q1 2013). This contributes to the excellent reputation, a wide network of branches and a long history of companies.
Consider the contributions of the savings Bank of Russia for the population. So, it is offered six variants of term deposits. The following table will help you to choose the Deposit in Sberbank, proceeding from your preferences and plans for your investment.
| Name of the Deposit | Description purpose | % in rubles | % in dollars | % in euros |
| "Keep" | Maximizing income - period: 30 days - 3 years; - the minimum you need to pay 1 thousand rubles; the accrual of interest once a month; the interest is added to the Deposit; - replenishment and partial withdrawal are not permitted. the percentage you can withdraw or send to map; - especially for retirees set the highest Deposit rate. | Up to 8 | To 3.25 | 3,25 |
| "Join" | Making savings + income period: 90 days - 3 years; - the minimum you need to pay 1 thousand rubles; the accrual of interest once a month; the percentage you can withdraw or send to map; the interest is added to the Deposit; - especially for retirees set the highest Deposit rate. | Up to 7.25 | Up to 3 | Up to 3 |
"Control" | Income + use of contributions - period: 90 days - 3 years; - the minimum you need to pay 30 thousand rubles; the accrual of interest once a month; the percentage you can withdraw or send to map; - allowed a Deposit in the amount of 1 thousand rubles, 100 USD/EUR; - allowed withdrawal of contributions; - possible increase in interest rates until the next cumulative graduation;maximum Deposit amount the first payment, multiplied by 10. | 6.5 | 2.8 | 2.8 |
| "gift of life" | Income + blagotvoritelnosti term - exactly one year; - the minimum you need to pay 10 thousand rubles; - the interest every 3 months; - income from proceno you can withdraw or send to map; the interest is added to the Deposit; - depositing and withdrawals are not permitted. - 0,3 % from the annual contribution every three months goes to charity. | 7,25 | - | - |
| "Multi" | Receipt of interest income + income from favorable changes in exchange rates - period of 1-2 years, up to the day; - the minimum possible amount of 5 rubles/USD/Euro; - the interest every 3 months, the rate depends on the size of the Deposit and the minimum balance; the percentage you can withdraw or send to map; the interest is added to the Deposit; partial withdrawals are not provided. - to popolnyat from 1 thousand rubles, 100 USD/EUR; - possible conversion. | 0,01-6,1 | 0,01 - 2,7 | 0,01-2,7 |
| "Savings account" | The use of savings + monthly income the Deposit; - minimum amount is absent; the accrual of interest once a month; - minimum possible amount of Deposit is not limited; - allowed a withdrawal to zero, the account is not closed. | 2.3 | 1,15 | 1,15 |
In addition, it is possible to open a very interesting Deposit in the savings Bank "international" in yen, pounds, Swiss francs.
Foreign-Currency deposits, Sberbank of Russia provides the opportunity to earn on rate fluctuations of currencies and receive interest income. It is worth noting that currency accounts are quite risky investments, since exchange rates may significantly fall as well as rise against the ruble at the expiry of the Deposit term. The term of the contract is established from one month to three years, the period up to the day. If you need to prematurely withdraw the money, you can close the contribution ahead, but keep in mind that in this case the accrued interest will be void.
The average Weighted interest rate on rouble Bank deposits at the end of the 1st quarter of 2013 is around 8.5% per annum. As we can see, the savings Bank offers less favorable conditions, but for most Russian investors, it seems, is more important than the reliability and the safety of savings than a few percent of income.
If you decide to open the Deposit in the savings Bank, you need to come back with a passport, to sign an agreement on opening a Deposit (after carefully reading it) and Deposit money into the account.
Article in other languages:
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BE: https://tostpost.com/be/f-nansy/29490-c-varta-adkryvac-depaz-t-u-ashchadbanku.html
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PL: https://tostpost.com/pl/finanse/29335-czy-warto-otwiera-lokaty-w-pko.html
PT: https://tostpost.com/pt/finan-as/29360-vale-a-pena-abrir-um-dep-sito-na-poupan-a.html
TR: https://tostpost.com/tr/maliye/31278-de-er-mi-a-mak-mevduat-tasarruf-bankas.html
UK: https://tostpost.com/uk/f-nansi/29428-chi-varto-v-dkrivati-depozit-v-oschadbanku.html
ZH: https://tostpost.com/zh/finance/646-whether-to-open-a-deposit-in-the-savings-bank.html
Alin Trodden - author of the article, editor
"Hi, I'm Alin Trodden. I write texts, read books, and look for impressions. And I'm not bad at telling you about it. I am always happy to participate in interesting projects."
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