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Instructions

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Interest paid on depositsSberbank, vary depending on the term of the deposit. The lowest rate was established for demand deposits - from 0.1%. Low rates also have a savings account - from 1.5 to 2.3%. They depend on the amount of the balance - if it is less than 30 thousand rubles, the interest is charged at the minimum tariff, over 3 million rubles. - on the maximum. But these deposits allow you to freely dispose of cash, at any time to make and withdraw cash from the account.

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Time deposits are subject to restrictions ontransactions with accounts, money for them are placed for a strictly specified period - from 3 months or more. Of course, the depositor can withdraw money in advance, but then he will not earn anything on his account. The highest rate is set on the deposits "Save". On them it is impossible to replenish and withdraw money during the deposit period. The maximum interest on it is set at 7.76 (the minimum is 4.4). It operates only for deposits of 2 million rubles. and for a maximum period of 3 years. Capitalization of interests can be carried out at the investor's will. It implies adding the amount of accrued interest to the deposit. But interest can be paid to the client on a monthly basis.

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Also in Sberbank there is a special contribution "Givelife ", at which 0.3% of the amount of interest is transferred to help children with cancer and hematological diseases. The interest rate on it taking into account the capitalization is set at 6.56%. Interest on the deposit is accrued every three months. The terms for it are the same as for the deposits "Save" - ​​no replenishments or withdrawals from the account during the validity period.

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Deposits "Replenishment" are provided for the creation ofaccumulation. They enable the depositor to replenish the deposit. The ruble interest rate is from 4.60 to 7.28%. The minimum amount to replenish the account is 1000 rubles, with non-cash replenishment it is not limited.

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The greatest freedom of action for the depositorprovides a contribution "Manage." It allows you to make operations for replenishment and withdrawal of cash. But for this investor will have to pay a lower interest rate. It ranges from 4 to 6.68%, i.e. practically by 1 pp. less savings deposit.

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In addition to ruble in Sberbank, you can open andforeign currency deposit. For such deposits, the interest rate will be significantly lower. So, for the deposit "save" in dollars or euro it will be 2.33%, "replenish" - 2.11%, "Manage" - 1.9%. In a multi-currency deposit, the depositor has the opportunity to receive additional income from currency fluctuations. The contribution assumes the presence of a component in rubles, dollars and euros. Interest rates on them are 6.21 and 1.78, respectively.

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"International" deposit involves the opening of an accountin exotic for Russia currencies. In this case, you can choose a deposit in Japanese yen with a rate of up to 2.25%, Swiss francs - up to 2.5% or pounds sterling - up to 3.25%.