| Retail Banking |
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Deposits - Products Offered |
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Standard Retail Term Deposit
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Currency |
RUB, USD, EUR |
Tenor |
- in RUB and EUR: min 1 month - max 2 years
- in USD: min 1 month - max 5 years |
Minimum deposit amount |
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Interest payment |
At the end of tenor |
Pay - in |
Not applicable |
Partial debiting |
Not applicable |
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Retail Term Deposit with monthly interest
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Currency |
RUB, USD, EUR |
Tenor |
- in RUB and EUR: min 1 month - max 2 years
- in USD: min 1 month - max 5 years |
Minimum deposit amount |
- 10000 RUB
- 500 USD
- 500 EUR
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Interest payment |
Interest is calculated and paid on the monthly basis for further (as per customer’s request):
- To be capitalised on the deposit account.
- To be transferred on current account or account linked to the plastic card.
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Pay - in |
Not applicable |
Partial debiting |
Applicable only for interest to be transferred. |
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Demand Deposit
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Currency |
RUB, USD, EUR |
Tenor |
Not limited |
Minimum deposit amount |
Not limited |
| Interest payment |
Interest is calculated and paid on the monthly basis and to be capitalised on the demand deposit account . |
Pay - in |
Not limited |
Partial debiting |
Not limited |
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Pay-in term deposit with monthly interest
| 1. Deposit main terms |
| Currency |
RUB, USD, EUR |
| Tenor |
min 181 - max 400 days |
| Minimum deposit amount |
15 000 RUB
500 USD
500 EUR |
| Interest payment |
Interest is calculated and paid on the monthly basis for further (as per customer’s request):
1. To be capitalized on the deposit account.
2. To be transferred on current account linked to the debit card Visa Electron. |
| 2. Deposit procedure |
| Pay-ins |
Applicable. Additional pay-ins permissible only up to 30 days before date of maturity. |
| Minimum amount of additional pay-ins |
3 000 RUB
500 USD
500 EUR |
| Partial debiting |
Applicable only for interest to be transferred. |
| 3. Additional deposit terms |
| Advance deposit closure |
1. For advance deposit closure interest payment is calculated at the rate applicable for demand deposit on the date of closure for exact number of days it was placed before closure.
2. Under advance deposit closure amount to be returned to the customer will be reduced on the amount of interest already paid. |
| Prolongation (term extension) |
Applicable. If at the end of tenor deposit amount and interest paid were not demanded by the customer, Bank has the right for prolongation of the agreement and to keep it further but at the new rate applicable at the date of extension. |
| Bonus |
Debit card Visa Electron with 1st year annual fee waived. |
| 4. Deposit Rates |
| Currency |
Slabs |
Tenor, in days |
| 31-90 |
91-180 |
181-365 |
271-366 |
400 |
| RUR |
15 000 - 300 000 |
2.75 |
5.50 |
8.00 |
8.25 |
9.50 |
| 300 001 - 1 000 000 |
3.25 |
5.75 |
8.25 |
8.50 |
9.75 |
| >= 1 000 001 |
3.75 |
6.00 |
8.50 |
8.75 |
10.50 |
| USD |
500 - 10 000 |
1,75 |
4,25 |
5,25 |
5,75 |
6,25 |
| 10 001 - 50 000 |
2,25 |
4,75 |
5,75 |
6,25 |
6,75 |
| >= 50 001 |
2,75 |
5,75 |
6,75 |
7,00 |
7,25 |
| EUR |
500 - 10 000 |
1,75 |
4,25 |
5,25 |
5,50 |
5,75 |
| 10 001 - 50 000 |
2,25 |
4,75 |
5,50 |
5,75 |
6,00 |
| >= 50 001 |
2,75 |
5,25 |
5,75 |
6,00 |
6,25 |
Special term deposit with debiting feature
| 1. Deposit main terms |
| Currency |
RUB, USD, EUR |
| Tenor |
min 181 - max 400 days |
| Minimum deposit amount |
30 000 RUB
1000 USD
1000 EUR |
| Interest payment |
Interest is calculated and paid on the monthly basis for further (as per customer’s request):
1. To be capitalized on the deposit account.
2. To be transferred on current account linked to the debit card Visa Electron. |
| 2. Deposit procedure |
| Pay-ins |
Applicable. Additional pay-ins permissible only up to 30 days before date of maturity. |
| Minimum amount of additional pay-ins |
Not applicable. |
| Partial debiting |
Applicable for deposit and interest amounts but not more than irreducible balance amount. |
| 3. Additional deposit terms |
| Advance deposit closure |
For advance deposit closure interest payment is calculated:
1. on the irreducible amount at the rate applicable for demand deposit on the date of closure for exact number of days it was placed before closure.
2. on the amount higher than irreducible amount interest amount shall not be revised.
Under advance deposit closure amount to be returned to the customer will be reduced on the amount calculated in accordance with clause 1 above. |
| Prolongation (term extension) |
Applicable. If at the end of tenor deposit amount and interest paid were not demanded by the customer, Bank has the right for prolongation of the agreement and to keep it further but at the new rate applicable at t he date of extension. |
| Bonus |
Debit card Visa Electron with 1st year annual fee waived. |
| 4. Deposit Rates |
| Currency |
Slabs |
Irreducible amount |
Tenor, in days |
| 31-90 |
91-180 |
181-365 |
271-366 |
400 |
| RUR |
15 000 - 300 000 |
30'000 |
2,25 |
5,00 |
7,50 |
7,75 |
9,00 |
| 300 001 - 1 000 000 |
300'000 |
2,75 |
5,25 |
7,75 |
8,00 |
9,25 |
| >= 1 000 001 |
1000'000 |
3,25 |
5,50 |
8,00 |
8,25 |
9,50 |
| USD |
500 - 10 000 |
1'000 |
1,00 |
3,50 |
4,50 |
5,00 |
5,50 |
| 10 001 - 50 000 |
10'000 |
1,50 |
4,00 |
5,00 |
5,50 |
6,00 |
| >= 50 001 |
50'000 |
2,00 |
5,00 |
6,00 |
6,25 |
6,50 |
| EUR |
500 - 10 000 |
1'000 |
1,00 |
3,50 |
4,50 |
4,75 |
5,00 |
| 10 001 - 50 000 |
10'000 |
1,50 |
4,00 |
4,75 |
5,00 |
5,25 |
| >= 50 001 |
50'000 |
2,00 |
4,50 |
5,00 |
5,25 |
5,50 |
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