Increasingly popular are programs that pay interest based on the account balance from the previous month. Sberbank offers a deposit program with a rate of 3, one of which has a balance exceeding 3,000 rubles. Tinkoff Bank, Alfa Bank, and Selkhozbank are implementing similar programs. Programs like these are designed to increase consumer interest in banking services and fundraising. Savings programs are financial systems designed for the population to raise more funds by depositing them in a bank account.