When a person reaches the threshold of retirement age, financial issues usually come to the fore. How to make a pension bring additional income? How not only to save, but also to increase the profitability of your savings? Finally, what is the best way to deposit funds? Considering that pensioners have not only every penny - every percentage in the account.

Today, Sberbank offers a fairly extensive list of deposits for the elderly. Let's compare the main conditions for them, paying attention to the advantages of the "Pension Plus" deposit.

Please note that "Save" can also be issued through, which guarantees you higher interest rates. This is part of the institution's long-term strategy to increase the share of transactions carried out through the system remote service. The "Pension Plus" deposit is issued in a standard way, in one of the institutions of Sberbank. This is justified by the fact that people of retirement age, for the most part, do not own modern means of communication and prefer to contact a bank representative office, where they will be explained on the spot the questions that have arisen about the deposit.

In most cases, open a deposit in Russian bank only possible if you have a large sum several hundred thousand rubles - few of the elderly can boast of such a volume of savings. In particular, the deposit programs “Replenish” and “Save” offer to open an account with at least one thousand or ten thousand rubles, while “Pension Plus” will be issued even to the person who has one ruble in his account.

A potential depositor can appreciate the opportunity to increase the amount of funds on the “Pension Plus” deposit - the interest rate on it is slightly less profitable than on “Replenish”, but the user has more freedom in managing the account: this deposit makes it possible to replenish it. Finally, "Pension Plus" can be considered the most flexible deposit of the three: it provides for the possibility of partial withdrawal of funds up to a balance of one ruble in the account.

It's important to know! Under the deposit programs "Save", "Replenish" and "Pension Plus" financial institution Sberbank client has the right to issue a power of attorney and draw up a testamentary disposition - this way the depositor can be sure of the future of his savings.

How else is Sberbank's "Pension Plus" deposit beneficial for pensioners?

Sberbank has been operating in the financial services market for over 170 years. Today, almost every second Russian entrusts him with their savings. Making a deposit with Sberbank is the best and most reliable option to get additional income. With Pension Plus, you can start with minimum amount a contribution of one thousand rubles and a solid term of three years. What are the additional benefits of a deposit for seniors?

• Sberbank is a member of the Sistema registry - older people do not have to worry about the safety of their savings in an era of financial instability.
• The Pension Plus deposit offers favorable interest- one of best offers for individuals retirement age.
• Flexible deposit terms - You can choose between paying the accrued interest to the account or capitalizing it (adding it to the deposit amount) within a period of three months.
• "Pension plus" assumes that the bank carries out independently. This is an undoubted advantage of the agreement, because it significantly saves time for both parties, as well as the strength of the depositor.
• The deposit holder has the opportunity on preferential terms - income for the actual period of storage Money in the deposit is accrued based on the interest rate set by the bank on the date of opening the deposit.

Thus, the "Pension Plus" deposit in Sberbank is perhaps one of the best deposit programs for today, allowing older people to increase their well-being with guarantee and without risks.

How to make a deposit?

Clients can be convinced that opening a deposit with Sberbank is a matter of a few minutes. Step-by-step instruction includes the following steps:

1. The future deposit holder needs to contact one of the branches of Sberbank, which will certainly be found in the region of your residence. The institution has an extensive network of representative offices - it includes about 17.5 thousand units in 83 constituent entities of the Russian Federation.
2. A bank employee must present a passport or other identification document. For those wishing to make a “Pension Plus” deposit, such a document is a pension certificate.
3. The next stage involves the signing of a deposit agreement.
4. Next, the depositor needs to deposit the amount of the deposit into his account.

To find out in detail how to open a deposit on the conditions you need and taking into account the personal circumstances of your life, contact the nearest branch of Sberbank or call hotline institutions (number 8800) - support specialists are always ready to answer your questions. To view an exhaustive list of documents required for making a deposit, you can also refer to the official website of Sberbank.

Pensioners are one of the least protected strata of the population in material terms. They often do not have the opportunity to work, having only funds allocated by the state (or paid by private funds, ministries) as their only source of income. However, many older people do save.

One of the safest ways to store money is to open an account with Sberbank. Having studied the features of deposits, you can choose a profitable option. One of the best, according to reviews, is Pension Plus. Interest on it in 2015 is low, but the conditions are optimal.

Deposit conditions Pension Plus

AT current year The terms of the Pension Plus deposit are as follows, in a nutshell:

• interest rate– up to 3.67 (interest taking into account capitalization);
• minimum balance - 1 ruble;
• term - 3 years, it is possible to extend the contract;
• currency - rubles;
• Withdrawal of money and replenishment of the account is possible.

The amount of the first installment is not less than 1 ruble. The same amount must be permanently present in the account. AT contributions in other currencies are not accepted.

Interest is calculated once a quarter. Interestingly, until 2012, Sberbank increased the amount of the deposit on a monthly basis. You can top up your account an unlimited number of times. There is no upper limit on the deposit amount.

It is allowed to withdraw interest or add the received profit to the amount already on the balance sheet, thus increasing income. The rate on the Pension Plus deposit from Sberbank is fixed and does not change. Automatic contract renewal available.

On the Sberbank website, a person can, using an online calculator, calculate the exact amount of profit, indicating the amount he plans to deposit into the account and the expected date of withdrawal.

To carry out any operation on the account, the client must visit one of the branches of Sberbank. The Zelenaya Street service allows people to apply for depositing or withdrawing funds from an account to branches in several regions of Russia, and not just to the office where the agreement was concluded.

How to open a Pension Plus deposit?

To conclude an agreement, a citizen must contact one of the offices of Sberbank of Russia. In 2015, a sufficient number of branches are operating: negative feedback about the quality of service appear less and less. There are practically no queues, and operations do not take much time

The Pension Plus offer of Sberbank of Russia is designed for people:

• receiving pensions from state funds;
• receiving funds from private funds, ministries and departments that transfer pensions to citizens.

To open an account, you need:

• provide a bank employee with a passport or other identification document, as well as a pensioner's certificate;
• read the papers and sign them;
• deposit funds into the account (at least 1 ruble).

You can only open an account for one person. If it is convenient for a couple to decide together how to manage savings, then by concluding an agreement in the name of one of the spouses, they can later issue a power of attorney so that both people can have access to money, conduct spending transactions and contribute funds.

The power of attorney is issued in the branches of the bank or at the notary for any adult citizen.

Details of the deposit are reported to the institution that pays pensions. Thus, the account is replenished monthly. No office visit required.

It is allowed to open an account for another person. It is convenient for older people with health problems. Children can visit the bank branch, taking the parent's documents.

Why is the offer beneficial for pensioners?

Pension Plus has existed for more than one year. By 2015, he managed to get both negative and positive customer reviews. Its main advantage is that it is aimed at the elderly. What are its benefits for them?

General provisions

One person can own any number of bank accounts. All savings are insured: in case of bankruptcy financial organization customers will be compensated. People will be refunded 100% of their lost funds if the amount does not exceed 700 thousand rubles. Compensation for losses is made strictly in rubles (including for accounts in foreign currency).

Clients' income, according to Russian legislation are subject to taxation. This must be taken into account when calculating the amount of profit.

Elderly clients have privileges when opening a bank account. They are set the maximum rate when choosing such offers as Save, Replenish and their online versions.

The account statement is provided to the depositor free of charge. Information can be obtained from an employee of one of the branches.

Sberbank is one of the largest financial institutions in Russia. His clients are not only business representatives and individuals, but also ordinary Russians with an average income level. Despite the rather impressive, by banking standards, age, given bank still has not lost its former popularity. Vice versa. Its client base is regularly updated with new people. And all because this credit institution has financial products designed for different age categories, including elderly citizens. Recently, a new deposit program "Pension Plus" has been developed for them. A contribution to Sberbank can be received by pensioners who meet certain criteria. We will tell you more about the conditions of registration and features of the program below.

The whole essence of the program in a nutshell

"Pension-plus" - a deposit in Sberbank, which is designed for citizens of retirement age. At the same time, they must be registered with the Pension Fund of the Russian Federation or a non-governmental organization and receive appropriate material assistance.

Thanks to this interesting program of the bank, its clients can count on their pensions. And this is a great help for many, especially in the absence of other sources of profit.

Sberbank: Pension Plus deposit, terms and rates

If you are interested in this investment option, it would not be superfluous to learn more about the conditions of such an accumulation system. It is realistic to issue such a deposit for only three years. Moreover, this can only be done in national currency. BUT minimum size deposit can start from 1 ruble.

The deposit refers to replenishable deposits with the possibility of prolongation and capitalization. It involves a partial withdrawal of money and the presence of a fireproof minimum balance of only 1 ruble. The accrual of interest on the deposit occurs every 3 months. It is under such conditions that the “Pension-plus” deposit works in this case at 3.5%, and taking into account the completed capitalization - 3.67% per annum. Moreover, interest can be calculated and added to the initial amount of the deposit. In this case, there will be an increase in income in the following reporting periods.

What is the capitalization of a deposit?

Capitalization of the deposit is an additional accrual of interest on the initial amount of your deposit. This service helps you get more passive income due to the complex formula for calculating interest. It's interesting and beneficial.

Where and how can you apply?

In order to draw up a "Pension-plus" deposit at Sberbank, you need to visit one of the nearest branches. Of the documents you need only a passport and a pension certificate. Then all that remains is to sign a bank agreement and deposit any amount into an open savings account. Or you can apply for participation in the program using terminals and ATMs credit institution, as well as Internet banking "Sberbank Online".

How to calculate the profit margin on a deposit?

Before contacting Sberbank (“Pension-plus” - a deposit on which interest is accrued quarterly), you must perform the appropriate calculations on the website of a financial institution. In particular, a virtual online calculator works here for this purpose. In the absence of access to the network, representatives of the bank will help you calculate the remuneration on the deposit.

For clarity, we give an example with calculations. So, if you make a deposit on 12/29/2016 in the amount of 1000 rubles, then its expiration date is 12/29/2019, which corresponds to 1096 days.

In the presence of capitalization of interest, the absence of early withdrawal of money and regular replenishment of the deposit, the average monthly income will be 3.06 rubles. For the entire period of interest accrual, the amount of your profit will be equal to 110.31 rubles. Together with the main deposit, Sberbank will issue them. The contribution (piggy bank) "Pension-plus" allows you to receive benefits, the amount of which increases along with the increase in the amount of the main contribution.

What information is included in the contract?

Before making a deposit, a pensioner must sign a cooperation agreement. It usually contains the following information:

• the amount of the selected currency;
• terms of the deposit;
• final closing date of the deposit;
• deposit rate;
• the minimum amount of additional contributions paid in cash;
• frequency of additional contributions;
• the amount of fireproof balance;
• the procedure for calculating interest, etc.

also in this document the contact details and details of both parties, and sometimes the trustees of the pensioner, are indicated. After verifying the data, both parties to the agreement sign the document.

Is it possible for several people at once?

The Pension Plus program (deposit in Sberbank) does not allow opening a deposit for several people at once. It is allowed to issue a power of attorney for other persons. At the same time, the pensioner is still the main owner of the account. However, his proxies can access certain transactions, such as receiving money on his behalf. In this case, the power of attorney is issued free of charge directly at the bank. The procedure does not require the mandatory presence of the person whom the pensioner trusts to manage deposit, but requires mandatory verification by a notary.

Are there incentives for depositors?

Participation in the "Pension-plus" program takes place on preferential terms. In particular, the accrual of remuneration on the deposit occurs at the highest possible value. Moreover, this percentage does not depend at all on the initial investment amount.

Possibility to extend the deposit

This is expected to be extended. It is performed automatically in accordance with the terms of the deposit agreement.

How to withdraw accrued interest?

Interest accrued on the deposit is added to the principal amount of the deposit. But if desired, the client can withdraw them in whole or in part at any branch of the bank or using the Sberbank Online service.

When a person begins to draw up a pension, the question immediately arises - where and how will it be more convenient to receive it? One of the options for resolving this issue is to issue a pension through a bank. Sberbank of Russia just refers to a bank that works with the Pension Fund. Sberbank offers pensioners a deposit "Pension - plus Sberbank of Russia" (as one of the options!). This pension contribution is intended for servicing pensions and includes the following services:

• receiving and crediting pensions to the account,
• replenishment of the deposit in cash,
• cash withdrawal,
• making non-cash utility and other payments,
• money transfers from the account.

• pension fund RF (territorial bodies of the Pension Fund of the Russian Federation).


• Ministries and departments providing pensions.


• Non-state pension funds.

• Passport or other identity document.


• Pension certificate (required not always and not in all branches!)

Conditions for the deposit "Pension - plus Sberbank of Russia"

The main conditions for the pension plus deposit of Sberbank of Russia are as follows:

• The deposit currency is only Russian rubles.


• The term for which the deposit is made is 3 years.


• The minimum amount of the minimum balance of the deposit is 1 ruble.


• Automatic prolongation of the deposit - on the terms and at the interest rate in force on the date of prolongation, the number of prolongations is not limited.


• Partial withdrawals are allowed up to the level of the minimum amount of the minimum balance, i.e. 1 ruble must remain on the account.


• Deposit replenishment - unlimited


• Interest is calculated quarterly.

Interest on the deposit "Pension-plus of Sberbank of Russia"

Conditions for calculating interest on pension deposit the following:

• Interest is accrued on the daily actual balance of funds in the account.


• Interest is transferred to the client once every 3 months.


• Transferred interest - are added to the deposit or transferred at the request of the pensioner to a card (or other) account opened with Sberbank.


• At early termination deposit agreements - interest is recalculated to the client for the actual period of deposit placement and without taking into account interest from capitalization, i.e. only in the amount of 3.5% per annum.

The procedure for registering a Pension deposit - plus Sberbank

1. At the time of registration of the pension, an application is written addressed to the head of the Pension Institution, which indicates Sberbank as the bank through which the pensioner expresses a desire to service the pension.


2. Having received a pension certificate in his hands, the pensioner visits a branch of Sberbank convenient for servicing and opens the “Pension - plus Sberbank of Russia” deposit.


3. Requisites open deposit(accounts) are transferred to the pension institution (full name of the bank, type of deposit, account number, correspondent account number and TIN of the bank, BIC). It may be necessary to submit a copy of the deposit agreement and / or a copy of the passbook (which is issued only at the request of the pensioner). The transfer of account details is carried out either by the bank itself or by a pensioner (this is specified in the bank!)


4. For each pensioner Pension institution ( Territorial body of the Pension Fund of the Russian Federation, ...) sets the date for the transfer of funds and then organizes the delivery of the pension to Sberbank on a monthly basis on this date.


5. Sberbank accepts payments and credits the incoming pension to open to pensioner contribution. The crediting of the received pension to the account is carried out within 1 - 3 days.


6. Sberbank issues a pension from the account on any day, after the day the funds are credited to the account - at the first request of the pensioner.

1. The operator is presented with an identity document (passport or other identity document).


2. Pension certificate (if necessary).


3. The type of deposit to be drawn up is called (“Pension plus of Sberbank of Russia”).


4. A card with a sample signature of a pensioner is filled out.


5. The contract is drawn up and signed by the parties bank deposit.


6. The depositor pays the initial amount to the cash desk of the bank, which must not be less than established by the bank minimum balance on the deposit. The contribution of funds is made out by payment documents.


7. The client is given 1 copy of the contract, a passbook (if it is issued at the request of the client) and payment documents ( cash warrant, bank order, payment order).

The bank deposit agreement must be concluded in writing.

The written form of the bank deposit agreement is considered to be complied with if the deposit is certified by a savings book, savings or deposit certificate or other document issued by the bank to the depositor that meets the requirements stipulated for such documents by the law, established in accordance with it banking rules and business customs used in banking practice

And the Savings Bank of Russia reacted to this instantly and as expected - the previously existing wording on issuing a savings book disappeared from the Standard Form of the Deposit Agreement. And in paragraph 2.11.6 of the Conditions for placing deposits in Sberbank of Russia OJSC from 05/20/2015 the following is said:

To perform operations on Deposits for which a Savings Book has been issued,
Presentation of the savings book is not required. Operations carried out on the Account
Contributions (including those made by the Contributor in Remote Service Channels) are reflected in
Savings book in chronological order upon presentation by the Depositor
(Representative) to the Bank. Issuance of a deposit, payment of interest on it, execution
of the Depositor's instructions to transfer funds from the Deposit Account is confirmed
cash orders, bank orders, personal account statements, payment
instructions, checks issued by the Bank to the Depositor.

1. Unless otherwise provided by agreement of the parties, the conclusion of a bank deposit agreement with a citizen and the deposit of funds to his deposit account shall be certified by a savings book. A bank deposit agreement may provide for the issuance of a personal savings book or a savings book to bearer. A bearer savings book is a security.

In the savings book, the name and location of the bank (Article 54) must be indicated and certified by the bank, and if the deposit is made to a branch, also its corresponding branch, the account number for the deposit, as well as all amounts of money credited to the account, all amounts of money funds debited from the account, and the balance of funds on the account at the time of presentation of the savings book to the bank.

Unless a different state of the deposit is proved, the data on the deposit indicated in the savings book are the basis for settlements on the deposit between the bank and the depositor.

The deposit is made on the basis of the “Terms and Conditions for Placement of Bank Deposits” and “Tariffs of the Bank” approved by Sberbank.