What are the conditions for depositing your victory in Sberbank. "Your Victory" - a new deposit of Sberbank of Russia What deposits by the day of victory in Sberbank
Sberbank has launched a special “Your Victory” deposit with increased interest rates, timed to coincide with the 70th anniversary of Victory in the Great Patriotic War.
The “Your Victory” deposit can be opened for a period of 6 months, the minimum investment amount is 10 thousand rubles. Interest on the deposit is calculated at the end of the term, and maximum bet is 13% per annum. In addition, under the terms of the product, the client is given the opportunity to take part in a charity program conducted by the All-Russian Public Organization of Veterans "Russian Union of Veterans" and provide assistance to veterans.
“Support for socially vulnerable segments of the population is an important part of Sberbank's activities. The Bank is aware of its responsibility for the implementation of social significant projects and treats veterans with special care. The launch of the Your Victory deposit will help provide targeted assistance to veterans and war invalids,” commented Natalya Alymova, Director of the Department of Retail Non-Transactional Products at Sberbank.
Leading for several years Russian bank on the eve of May 9, launches a campaign dedicated to veterans. And 2018 was no exception to this tradition. Special offer for Victory Day - Sberbank deposit “I Remember. Helping” with higher rates. The new product has two characteristics: more high interest(maximum 6%) and charitable orientation. 0.5% of the accrued interest for the initial term on the deposit is sent to the Memory of Generations Charitable Foundation. The donations received during the campaign will be used to provide medical assistance to veterans.
There is a tribute of immense respect and gratitude to veterans in every person of our country. Important: the acceptance of the deposit is terminated.
An important feature of this product is the time limit for its opening – until May 31, 2018.
The deposit is in rubles and its term is fixed: you can choose one of two investment options - for 6 or 10 months.
The minimum investment amount is 100 thousand rubles.
The most important information about the promotional product The rest of the product parameters are as follows:
- replenishment of funds is not allowed;
- partial withdrawal not provided;
- prolongation is possible, interest is set based on the current ones at the time of prolongation;
- no capitalization;
- in case of early termination, interest is paid in the amount of 0.1% (at the “On Demand” tariffs);
- There are no additional fees or registration costs.
Details of accrual and receipt of interest Interest rates
This product has certain advantages compared to similar offers in the bank. If earlier, in order to receive 5.5% for a period of up to 1 year, it was necessary to invest at least 700 thousand rubles, then in this case a smaller amount is possible - from 100 thousand rubles.
The amount of bets does not depend on the duration of the deposit, but depends on the amount of invested funds:
- 5.5% - from 100 to 500 thousand rubles;
- 5.75% - from 500 thousand to 1 million rubles;
- maximum 6% per annum - for amounts over 1 million rubles.
Interest accrues at the end of the term. They can be withdrawn or transferred to an account other than a card account.
The relationship between the amount of the deposit and interest rate
The unstable economic situation in the country also affects the banking sector. Interest rates on time deposits are changing along with the ruble, and banks have to pay great attention to the problem of attracting customers. In order to maintain the interest of depositors, credit institutions have to update the line of deposits. Today we will talk about the new deposit "Your Victory" from Sberbank, and compare it with the offers of competitors.
How rates changed at the end of 2014-2015
The end of 2014 was remembered for rising inflation and a sharp rise in the dollar and euro. According to the calculations of the Central Bank, the volume currency deposits increased by 1.89 trillion rubles over the year.
The exchange rate of the ruble largely depends on the economic situation in the country, therefore, as soon as serious problems arise, the volume of foreign currency deposits grows, and ruble deposits decrease. This is explained by the fact that the stability of the dollar and the euro is much higher, therefore, during a crisis, investors are oriented not to receive a high income, but to preserve their savings.
In the first half of 2015, the situation with the ruble more or less stabilized, the panic passed, and the Russians began to return money to banks, despite the fact that rates had fallen. The popularity of deposits in rubles has increased again, because their profitability is an order of magnitude higher than that of foreign currency deposits. In addition, experts recommend placing funds in the currency in which you receive income. In any case, it is more profitable than converting it first, and then making a deposit at a low interest rate.
After the spring strengthening of the ruble, the Central Bank lowered the key rate, which immediately led to a change in the conditions for deposits in commercial banks. If in winter it was possible to make a deposit at 18%, then at the moment the average rates have dropped to 10.67% per annum.
After lowering rates, it has become more difficult for credit institutions to attract customers, so they have to use a non-standard approach and develop deposit programs with a twist. For example, Sberbank timed the “Your Victory” deposit with high rates and a charitable function for the 70th celebration on May 9th. It was only possible to open an account until mid-May, but this good example charity program, which is interesting to compare with the offers of other banks.
Deposit terms
It was possible to draw up an agreement for six months, and the minimum amount of placement of funds was 10,000 rubles. Interest under this program is accrued at the end of the term, and the rate reaches 12% -13% per annum (depending on the amount of the deposit). It is not allowed to withdraw money or replenish the deposit before the end of the contract.
Overview of charitable programs
At the moment, only a few credit organizations implement charitable programs and strive to help those in need. In addition to Sberbank, Alfa-Bank practices constant cooperation with various funds. By making a Life Line deposit, you can help seriously ill children. On a monthly basis, 0.05% of the deposit amount will be transferred to the fund from the amount of interest.
Interest on the deposit is calculated monthly and transferred to the account from which they can be withdrawn. It is not allowed to replenish the deposit or withdraw money from it before the end of the contract period. You can place funds for a year in the amount of 50,000 rubles. The interest rate is 9.80% per annum.
Uralsib Bank offers its customers to help children left without parental care. For this purpose, the contribution "A worthy home for children", developed jointly with the Victoria Charitable Foundation, is presented. As part of the project, the construction of the children's village "Victoria" is being completed and social apartments are being equipped for graduates of children's institutions.
From each deposit, Uralsib sends 0.5% of the amount, taking into account additional contributions to finance the charitable program (for example, Alfa-Bank transfers 0.05% of the deposit amount). The initial amount is only 5,000 rubles, and the term is 91.181 and 367 days. Replenishment of the deposit is allowed, and interest is accrued once every three months and paid to the depositor. The rate depends on the term and reaches 13% per annum for 181 days, in other cases the percentage decreases to 11.5% per annum.
The “Memory of Generations” deposit can be made by any client of the bank by contacting a branch of a financial institution or using Internet banking services. This offer is valid for 3 months. In 2018, the deposit can be opened from April 13 to May 31 inclusive.
Sberbank: deposit by May 9, 2018 "Memory of generations". Interest rate
The main advantage of this deposit is a high interest rate of 6.4%-7%. Interest is calculated immediately after the end of the contract. The promotion is valid only for deposits in the national currency (rubles) and does not imply replenishment or partial withdrawal of funds.
Sberbank: contribution by May 9, 2018 is charitable
The contribution is charitable, so each depositor with 1 thousand rubles can donate 1 ruble for the needs of veterans Russian Federation. All transfers are made after the deposit is closed and all interest is accrued to its account.
The deposit has a social orientation. By opening this deposit, you can accumulate a considerable amount of funds in a short period of time, as well as provide material assistance to veterans of the Russian Federation.
Sberbank: deposit to the Victory Day "Memory of generations". Deposit conditions
The deposit can be opened for 3 months. The contribution must be in rubles. The minimum deposit amount must be at least 10 thousand rubles. Replenishment and withdrawal of funds from the deposit account is not provided.
The interest rate directly depends on how much was deposited. For example, for amounts from 10 thousand to 1 million rubles, the rate is 6.4%, and for amounts over 1 million rubles - 7%. Money can be withdrawn or transferred to a client account.
Sberbank: Victory Day 2018 deposit can be transferred to a Demand deposit.
If the depositor has not closed the deposit on time, it will be automatically transferred to the "On Demand" deposit.
