When implementing Internet banking financial institutions pursued the goal of unloading queues in subdivisions and self-service devices. In the future, the functionality was expanded, which allowed users not only to pay public utilities and transfer money via the Internet, but also open deposits under increased rate. We will figure out how to open a fixed-term account through the Sberbank Online system.

An individual who wants to open a deposit with Sberbank via Internet banking must connect a universal banking service agreement (UDBO), register in the system and connect mobile bank. The phone number will receive SMS messages with the transaction confirmation code at the stage of logging in, opening an account and transfer Money from a card or other deposit to a deposit.

You can get a login and password for the Sberbank Online system at any self-service device.

Features of the deposit line Online

The "cost" of a deposit opened via the Internet is lower than that issued at a bank branch. This is due to the fact that you do not need to pay for the work of a service manager, waste paper and resources of a printing device. Therefore, when opening a current account or a deposit through the Internet banking system, customers are provided with bonuses in the form of an increased interest rate. On average, the difference is about 1%.

The main client audience of Sberbank are pensioners, so they are provided with more profitable terms. They can open any deposit at the maximum percentage in their sum gradation.

Through the system, you can open 3 time deposits of the Online line: "Save", "Replenish" and "Manage". Sberbank deposits provide for monthly interest and capitalization. If desired, the depositor can withdraw the accrued interest by transferring them to a card or other current account.

"Save Online" draws up for a minimum period of 1 month, and a maximum of 3 years. This deposit program does not provide for any income or expenditure operations. Interest is charged on the lump sum deposited into the account.

For clients, the interest rate is set depending on the amount deposited and the term. The exception is persons over 55 years of age. For pensioners, the maximum yield is provided, regardless of the size of the deposit. So, when opening "Save" in the amount of 200 thousand rubles for a period of 1 month, the yield of the average investor will be 6% with passive income 1085 rubles, and a pensioner - 6.4% with a profit of 1157 rubles.

"Top up Online" provides only credit operations. Maximum amount account balance is calculated as an initial fee multiplied by 10. This restriction does not apply to pensioners.

The deposit can be opened for a period of 3 months to 3 years. Receipt transactions are carried out by transfer from a card or other current account. Minimum amount contribution is 1 thousand rubles. For all clients, except pensioners, the interest rate depends on the amount of the deposit. It is set in the range from 6.25 to 7.58%.

"Manage Online" allows you to make incoming and outgoing transactions in an amount exceeding the minimum balance (the amount that must always remain on the account). The depositor determines the amount of the minimum balance independently. It can be equal to 30, 100, 400, 700 and 2,000 thousand rubles.

The deposit is opened for a period of 3 months to 3 years. You can replenish it from any other current account or from debit card. Commission for incoming transactions and payment of interest is not charged. Unlike the "Save" and "Replenish" line of the Online, the deposit program does not contain special conditions for pensioners.

Interest ranges from 5.95 to 6.5%. They are accrued monthly and capitalized. The depositor can transfer them to a card or other current account.

Algorithm for opening a term deposit through Internet banking

Opening a deposit through Internet banking is a great alternative to visiting a branch. The maximum convenience of the transaction, increased profitability and the ability to manage your money via the Internet distinguishes Sberbank from its competitors.

It seems that we all know about bank deposits, about the insurance limit of 1.4 million rubles, and also about the DIA and the provisions Civil Code allowing citizens to withdraw their money from the bank at any time. However, as practice shows, financial literacy has not yet reached all Russians.

To protect money from thieves, from inflation, to some extent from themselves, so as not to spend it on a spontaneous purchase, many Russians try. At the same time, the most popular way to store funds is Bank deposit.

Deposits are in demand among the population for a reason. Firstly, it is much safer to keep money in a credit institution, and not at home “under the pillow”. Secondly, at its core, a deposit is a very simple tool for savings: you put money into an account, and when the placement period has expired, you take it back with interest. The rate on the deposit is fixed in the agreement and cannot change during the entire period of the funds being in the financial institution - neither by the will of the latter, nor due to any external conditions. Thirdly, the money placed in the bank is insured by the Deposit Insurance Agency (DIA). If suddenly a license is revoked from a credit institution, then the amount of all deposits with accrued interest, if it does not exceed 1.4 million rubles, will be paid to the client. And finally, the liquidity of such investments is very high: money can be withdrawn from the bank on demand. The result is an almost ideal product for mass use.

Of course, everything is so - the money needs to be placed on deposits. It's about, of course, about the funds that need to be saved, and not that you are ready to invest with the risk of “losing a part”, but at the same time getting a higher return. However, in the current economic realities, it is important to understand and be aware of all the nuances of such a product as a deposit.

First of all, when opening a deposit, you should make sure that you are doing this in a bank, and not in any other organization. Sometimes microfinance organizations or companies in general engaged in fraudulent activities can “disguise” themselves as credit organizations. It is very easy to understand whether you are dealing with a bank or not. You need to find this credit organization on the site Central Bank(CB). She must have a valid license to exercise banking operations, as well as a license to raise funds individuals. The branch you plan to apply to must be present on the bank's website, which, by the way, is also listed on the Central Bank portal.

So, you made sure that you chose the bank and came to the branch to open a deposit. It is important that the procedure for placing funds on a deposit is correctly executed. You should have one copy of the deposit agreement in your hands, certified by the signature of the employee and the seal of the credit institution, as well as a document confirming the deposit of funds to the account: if you brought cash, then this cash receipt order. These documents must be kept until the end of the deposit term at least. Recently, situations have been repeatedly discussed when clients opened deposits in a bank, then the Central Bank revoked its license, and the DIA on the balance sheet of a credit institution these open deposits did not find. So, it will not be superfluous to additionally make sure that the deposit is indeed placed. You can check this, for example, through the Internet bank. If you see your deposit there and can make transactions on it (if they are provided for by the conditions for opening a deposit), then credit organisation did not hide anything from you, and everything is done in accordance with the law.

In a highly volatile environment national currency some clients prefer to diversify their savings and place part of the funds in foreign currency. When opening a deposit in dollars or euros, it is worth remembering that if the regulator deprives the bank of a license, then the deposit amount will be paid in rubles at the exchange rate of the Central Bank on the date of revocation. If you opened a deposit in the amount of $ 23,000 at a rate of 60 rubles. per dollar, then in this case you have met the insured amount equal to 1.4 million. But if on the date of revocation of the license the dollar costs 80 rubles, then you will, of course, receive 1.4 million, but you can buy everything with this money $17,500. Therefore, when determining the amount of a foreign currency deposit, it is worth considering some growth in the exchange rate. It is also worth remembering that the DIA starts paying insurance compensation depositors only two weeks after the bank's license was revoked. However, no one guarantees that given period time, the foreign exchange rate will not rise. This means that you can no longer buy the same amount of dollars or euros for the amount paid. Therefore, in the case of placing deposits in foreign currency, you should be especially careful in choosing a bank.

By the way, when a decision is made to open a deposit, there is always a temptation to choose a bank that gives the maximum rate - all the same, the funds are insured by the state. Now the market is dominated by a downward trend in interest rates on deposits, so you may encounter the following situation. In a few months, the bank that offered you a super profitable product will have its license revoked - such cases have happened more than once. However, you will not be able to find similar rates in a declining market. Therefore, sometimes it is worth agreeing to a slightly lower yield, but in a reliable bank. And then you can be sure that you will receive this percentage throughout the entire term of the deposit.

Thus, even such a simple product as a deposit has many nuances and some kind of pitfalls that must be taken into account when placing funds. However, investing important step, which means that it is worth spending some time to understand everything and make the right decision.

When a person thinks where to invest his own savings, in order not only to save them, but also to increase them, wide opportunities open up before him. The simplest option is a bank deposit - it involves the transfer of a certain amount of money to a credit institution in order to receive income in the form of interest. This solution turns out to be the safest, and therefore is under increased attention. You just need to figure out how to open a bank deposit correctly, because there are subtleties here.

What to consider when planning to open a bank deposit

For your idea to be successful and profitable, you need to consider several important points. The first is the bank itself, where you plan to make a deposit. Getting acquainted with the existing offers, you will note that there are quite a lot of them, and to make it easier to choose, look at the following criteria:

• operating time of the financial institution;
• the level of reliability and popularity of the bank;
• deposit rates;
• service quality.

Of course, when figuring out how to open a deposit, you need to eliminate the likelihood of risk. Therefore, it is also worth paying attention to the availability of deposit insurance offers. It guarantees the depositor the return of funds by the authorized agency, even if the bank is liquidated. The payment is made even before the completion of the liquidation procedure, if it does not exceed 1,400,000 rubles. Anything over this amount, in case of bankruptcy credit institution, will be paid after its liquidation and sale of property.

When thinking about how to make a deposit, look at the deposit offers themselves. This is the second point that should not be ignored. There is a division of all programs into two groups:

• poste restante. Minimum interest rates are assumed here, but a person can withdraw money at any time, because the exact period of their storage in the bank is not specified. Of course, such deposits can hardly be called profitable. They are mainly needed by those who just want to keep their funds without risk;
• urgent. Here, the period of storage of money is clearly specified and can range from several months to several years. Interest rates are much higher than in the previous version.

It must be remembered that there are several types of term deposits: savings, accumulative, universal. The main difference is the interest rate, so this moment important not to miss out. So you will figure out how to properly make a deposit in the bank in order to realize all your needs. The most convenient is the universal deposit, because the client can freely replenish the account and withdraw money from it. Savings programs make it possible only to replenish the deposit. Savings deposits exclude any transactions with sums of money placed at the disposal of the bank.

Be sure to look at the type of deposit: short-term or long-term. The first is issued for a period not more than a year. Long-term deposits are issued on average for 1-3 years. Here it is necessary to take into account your own plans, because if the contract is terminated early, a certain part of the financial profit will be lost.

Another point for those who are thinking about how to open a bank deposit is interest capitalization. If it is not provided, then interest charges are added to the deposit amount and in subsequent periods, at the same rate, the income becomes larger. When capitalization of interest is provided, they are accrued to a separate account and can be withdrawn by a bank client. Accruals remain unchanged throughout the entire term of the deposit.

Another important point for those who need to know how to make deposits correctly, be sure to read the contract, especially what is written in small print. There may be points here that you should read. For example, contracts often provide for the option of auto-renewal of the deposit. This means that if a person does not withdraw money at the end of the contract, the deposit is automatically extended for the same period with partial preservation of conditions. At the same time, the interest rate may decrease, which is not entirely profitable.

Which deposit is better to open - every person who decides to save up and increase the amount of his money thinks about this. You transfer a certain amount to a financial company on the terms of an agreement, and the bank pays interest for the time your money was in his account. Every citizen of the country who has reached the age of eighteen has the right to open a deposit (clause 1, article 21 of the Civil Code of the Russian Federation).

Some people confuse two different concepts - contribution and deposit. IN banking a deposit is understood to mean any kind of valuables transferred to the bank for safety. And it can be anything - securities, precious metals, and so on. If we are talking about a contribution, then this definition means exactly the money invested. But due to the fact that, in fact, any contribution falls under the definition of a deposit, financial companies do not distinguish between these concepts.

Before deciding in which bank to open a deposit and transfer your funds for storage financial company, decide on the investment goals and select the conditions that are most comfortable for you. To do this, you need to answer several financial questions.

In most cases, this can be done only on the client who transfers the money. However, some financial companies offer such a unique product as a deposit in the name of another person. In other words, you open the contract and you also transfer the funds to the bank employee. But the client loses the right to funds immediately, as soon as the person for whom the deposit was opened claims his rights to this deposit. From now on, only he will be able to manage finances (withdraw funds, replenish an account, receive interest). Most often, such deposits are opened by parents for their children. At the same time, the conditions under which children can use the accumulated funds are clearly stipulated - for example, admission to college, marriage, eighteen years of age, and so on.

Deadline for making a deposit

If you are sure that you will need the finance, for example, in three months, you can open a term deposit. For this there are short term investments for several months or years. If you wish to draw up a contract for an unlimited period, you can make a demand deposit.

The exact term of the deposit is specified in the contract. That is why it is so important to read it before signing.

Actions carried out with deposits

Decide for what purpose you are saving money. This will depend on what further actions you will be able to perform with input:

• Withdraw funds without losing interest.
• Top up your account periodically.
• Receive interest from the deposit on your card.

Read also:

Features of deposit insurance

If you just want to save a certain amount of money by a certain date, choose a banking product with capitalization. You will not be able to withdraw money from the account, but the interest will help increase the amount of the deposit. And you can set aside a free amount every month - then the “replenished” deposit is best suited.

By maturity, deposits are divided into two types:

• Demand deposits. These are the services for which there are no special time limits. The finances will be in banking institution until you decide to end the partnership. Distinguishes this banking service having low rates.
• Urgent investment. For this investment, funds are placed in a financial company for a certain period of time. Sometimes restrictions on replenishment are introduced, and withdrawing money ahead of time leads to a loss of benefits. Compared to a demand deposit, the profit is greater and directly depends on the amount of the investment and the term of the contract.

Funds are allowed to be deposited in Russian and foreign currencies, as well as on precious metals accounts. There are several types of investments that are opened in non-ruble currency:

• Currency. When opening this type of deposit, interest is credited to the account in the same currency in which the agreement was drawn up. At the moment, financial companies offer to open deposits in dollars, euro, and some even in francs or yuan. But you need to understand that not all financial companies are ready to offer such banking products.
• Some investors prefer multi-currency investment. With this type of investment, you can draw up an agreement in different currencies. You can also deposit any currency specified in the document to the account. By the way, the currency that is on your account can be changed (for example, rubles for francs or francs for euros), but a commission is charged for this. Interest is not charged on the entire currency, but on each separately.
• An investment can be made not at all in a currency, but as a metal account. It can be platinum, silver or gold. Interest will also be charged here, but the financial company takes a fee for its service. No one can promise you that you will receive income from such an investment, since it depends on the market quotations for precious metals. It must also be remembered that funds with this type of investment are not insured.

If you decide open a bank account and choose the right one financial institution, then you just have to conclude a service agreement. IN this document the following information is indicated:

• Purpose of the deposit and its name.
• The amount you deposit.
• The term for receiving the deposit and its procedure. How money is returned in case of early termination. For example, some financial companies ask to be warned about the closing of the deposit in advance.
• Other terms of the contract - for example partial replenishment or withdrawal of funds.

The rules by which a deposit agreement is drawn up are spelled out in Chapter 44 of the Civil Code of the Russian Federation. The document is in writing. There are three options for exactly how to do this:

• Sign an agreement with a financial company to open a bank deposit.
• Sign a statement where you agree to the offer. Here are the rules on which funds are deposited in the bank.
• Get an agreement, certificate, passbook, or some other document that meets the requirements of banking practice.

Read also:

Capitalization of interest on the deposit account

This document gives you the right to full possession and disposal of funds that have been deposited with the bank. When you show the passbook to a specialist, he must make a note about how much money is left in your account.

Opening a deposit without visiting the bank

For those who are already a client of the bank, some financial companies allow you to open a deposit through a mobile application or Internet banking. Moreover, as a bonus, the financial company offers interest on such deposits a little higher than on the one that was opened through the cash desk.

Having a savings certificate

This document is security, confirming the fact that you are entitled to the funds that you have given to the financial company for safekeeping, and to receive interest when the contract ends.

The document indicates that you actually deposited funds into the account. It can be nominal, or issued to the person who presents it. By the way, you can insure only a personalized certificate, but not a certificate issued for another person.

What you need to pay attention to when making a deposit

Before concluding a contract and affixing your signature, be sure to check its contents. You must check that all passport data, amount and term in the document are correct. Also check if it has renewal information. If there is one, then your attachment will be renewed automatically. You can terminate such an agreement yourself by terminating it.

It is important to pay attention to such a moment as early dissolution. The document should indicate how much you will receive your investment and how much interest you will lose.

Pay special attention to how early termination occurs. The contract should clearly state how much you will receive and how much of the interest you will lose.

The agreement is signed in two copies and the round seal of the financial company is affixed to it. One of them is given to the client of the bank, the second remains with the financial company. If there is no stamp on the document, then such document is considered invalid.

In some cases, the agreement is replaced with a questionnaire filled out by the depositor - this is acceptable if all the information about the bank and the client is written on the document, and there is also a seal and signature of an employee of the financial company.

According to Federal Law No. 318, in addition to the contract, the following documents must be issued:

• Cash receipt order, where the cashier must put his signature and seal. The law states that this document is required for issuance, but if you draw up a passbook at Sberbank, then they will not give it to you.
• A passbook with information about replenishment should also be issued. It is not mandatory and is not issued in all financial companies.
• If the agreement assumes the accrual of interest, then they can additionally issue a bank card.
• Payment order, if funds are transferred from the account of another financial company.