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Sberbank of Russia Universal Deposit Account

A permanent deposit account with allowed top-ups and partial withdrawals. Optimum choice for making payments and transfers.

  • Annual Interest Rate: 
    — 0.01%, RUB, USD, EUR and other world currencies
  • Deposit Term: 5 years
  • Top-ups allowed
  • Partial withdrawals allowed
  • Minimum Amount: 
    — from RUB 10 
    — from USD 5 
    — from EUR 5 
    — from 5 conventional units in other currency equivalent to USD 5
Deposit term5 years
CurrencyRouble/US Dollar/Euro/Pound Sterling
Swiss Franc/Swedish Krona/Singapore Dollar
Norwegian Krone/Danish Krone/Canadian Dollar
Australian Dollar/Japanese Yen
Minimum amountRUB 10/USD 5/EUR 5
Equivalent of USD 5 in Pound Sterling
Swiss Franc/Swedish Krona/Singapore Dollar
Norwegian Krone/Danish Krone/Canadian Dollar
Australian Dollar/Japanese Yen
Top-upNo limits
Partial withdrawalDown to the minimum balance

Interest Calculation:

Interest is calculated every 3 months.

Early Termination:

When withdrawing a deposit within the principal/renewed term, the income for the actual period of holding the money on deposit is calculated based on the interest rate set by the Bank for the Sberbank of Russia Universal Deposit Account as of the date of opening (renewing) the deposit account.

Terms of Renewal:

  • Automatic renewal is subject to the terms and interest rate effective for the Sberbank of Russia Universal Deposit Account as of the date of renewal.
  • No limits on the number of renewals.

Special Terms:

  • Sberbank of Russia Universal Deposit Account in a currency other than RUB, USD and EUR cannot be opened in all offices of Sberbank. Please check the availability of deposit accounts in rare currencies by calling your local office of the Bank.
  • You can carry out debit transactions within the amount exceeding the minimum balance. Moreover, if, following an exchange rate change, the balance of the deposit in a foreign currency other than USD and EUR falls below the minimum balance set for the deposit, the deposit account will not be closed. The income will be calculated based on the interest rate set for the deposit account.

You can draw up a Power of Attorney and testamentary arrangements for your deposit account.

  • Contact your local office of the Bank and bring your passport or other identity document, as well as your pensioner ID card.
  • Sign a Deposit Account Agreement with the Bank.
  • Pay the deposit amount onto your account.
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