Promsvyazbank deposits of individuals for pensioners. Promsvyazbank deposits in. How to make deposits at Promsvyazbank
Entering the top tenleading Russian banks, Promsvyazbank offers its clients to reliably save and increase
cap Italy, placing funds on deposits. The bank is a participant in the system state insurance, thanks to which all deposits in Promsvyazbank are currently insured and are subject to mandatory compensation in the event of an insured event.
Promsvyazbank: deposits of individuals in 2015
Promsvyazbank's deposits for 2015 are represented by a line of six deposit programs:- "Multi-currency basket";
- "Generous interest";
- “My benefit”;
- "My piggy bank";
- "My capabilities";
- “My pension”;
According to the proposed programs of Promsvyazbank, deposits can be placed in three currencies - Russian rubles, US dollars and euros.
Interest on Promsvyazbank deposits. Terms of accommodation
Multi-currency basket program provides for opening with the possibility of carrying out debit transactions (the minimum replenishment amount is without limitation). The deposit cannot be extended, and interest is paid at the end of its term.
A special feature of the deposit is the possibility of placing it simultaneously in three currencies (one of which, at the discretion of the depositor, is assigned the status of the main one). At the same time, the institution allows non-cash conversion funds between deposit currencies at the bank exchange rate. A deposit under this program cannot be placed for the benefit of third parties.
Deposit "Generous Interest" – classic look a fixed-term deposit account, which excludes the possibility of replenishment and carrying out debit transactions, and is also not subject to extension. Interest is accrued to the deposit account upon expiration of the deposit term.
One of the favorable conditions is the opportunity to invest capital in rubles for a period of only 1 month (32 days). With this placement of funds, Promsvyazbank increased the deposit rates to 17% per annum.
Deposit “My benefit” – also a representative of a classic time deposit account, without the possibility of replenishing it and carrying out debit transactions. Interest is credited upon expiration of the deposit period, which can be extended.
Compared to others deposit programs Promsvyazbank feature of this deposit is that the bank provides special conditions for early closure. For all deposits upon early termination, the bank pays interest calculated at the demand deposit rate. For this deposit, interest is calculated at 0.5 of the annual rate in effect at the time of its placement.
A significant disadvantage of the deposit program is that if it is opened by a potential depositor (who was not previously a client of the bank) minimum amount the deposit increases by 5 times (in rubles) or 10 times (other currencies).
Contribution “My Opportunities” allows the investor to freely manage their savings. The terms of the deposit provide for the possibility of its prolongation with the payment of interest, both in the form of capitalization and to the client’s account.
“My piggy bank” is a deposit with the possibility of replenishing and extending the term of its placement. Interest on the deposit is either subject to capitalization or is paid by transferring it to the depositor's account. The ability to carry out debit transactions on the deposit is not provided.
“My Pension” is a replenishable deposit account for clients of retirement age. This deposit is opened by the bank only when the client provides a pension certificate. The key advantages of this program are:
- small initial amount;
- the right to choose the currency and placement period with the possibility of its extension;
- high stakes;
- refill;
- withdrawal of interest or capitalization.
The disadvantage of a deposit under this program is the inability to carry out debit transactions on the account.
How to make deposits at Promsvyazbank
You can open a deposit account at any Promsvyazbank branch nearest to you. You will need to fill out an application and sign the papers provided by the bank employee. You will need to bring with you an identification document (passport or other document) and a document confirming information about your registration (residence) address. When registering the “My Pension” deposit, it is also necessary to have a pensioner’s ID. If a deposit is opened in the interests of third parties, it is mandatory to provide their passport information.
After funds are credited to the deposit account, the bank operator will issue a document confirming the opening of the deposit. You can place funds in the account either in cash or by transferring them from any other depositor account opened with Promsvyazbank. Promsvyazbank also allows you to open deposits on its official website in 2015 by filling out and submitting the appropriate online application. If a potential depositor, already a client of the bank, is connected to, then the process of opening a deposit will be reduced to just a few simple manipulations at the computer. To do this you need:
- Go to Personal Area on the bank's website.
- In the “Deposits” section, select the appropriate deposit program.
- Specify the amount and account from which funds will be transferred to the deposit.
Placing a deposit in this way greatly simplifies the process of completing it. This also allows you to reduce the initial deposit amount.
- The parameters of the deposit are based on certain criteria, the main of which are:
- deposit amount and currency type;
- deposit rate;
- placement period;
- Possibility of replenishment and management of funds.
2. The choice of one or another deposit program should be made, first of all, based on the purpose of placing the deposit. An analysis of the deposits offered by the bank according to the specified criteria will allow the consumer to decide on the most profitable program.
4. For example, one client can afford to regularly save a certain amount, wants to save these funds and at the same time receive passive income in the form of accrued interest. The optimal programs for him will be those whose conditions require replenishment of the deposit and capitalization of interest (“My Pension” and “My Piggy Bank”).
5. Another investor wants to have constant access to the funds placed on the deposit, or regularly spend interest. In this case, you should choose a deposit program that provides such an opportunity (“Multi-currency basket” and “My options”).
6. Once you have decided on a suitable program, it will not be superfluous to familiarize yourself in detail with the Rules for placing deposits by individuals. They, as well as the application form for joining the rules, are offered by Promsvyazbank on the official website (it is recommended to make deposits after reading this document).
7. Many of the positions set out in this document are not entirely clear to the average consumer. Therefore, without any embarrassment or inconvenience, you should directly ask questions to a bank employee, who is obliged to answer them clearly and reliably.
Promsvyazbank offers the best deposits for individuals for 2015-2016 ( maximum percentage– up to 13.5% per annum), with various conditions and favorable rates.
All deposits are insured, there is a very profitable program for pensioners with a rate of 9.59% per annum.
Opening a deposit will not be difficult; on the official website of Promsvyazbank you can leave online application to the program you like (review of all deposits, read on...).
1. “Jubilee” deposit with maximum interest
If you want to open a deposit at the maximum interest rate, then “Yubileiny” is what you need.
The deposit is opened only in rubles, the rate is up to 13.5% per annum.
In order to open a deposit, you need to contact any branch of Promsvyazbank, with a Passport or other document that verifies your identity.
The deposit amount is from 50 thousand to 20 million rubles, the deposit can be replenished, by the way, the minimum replenishment amount is not limited.
The deposit can be opened for up to 250 days. The bet is calculated as follows ( interest periods accruals): 1-50 days - 13.5%, 51-100 days - 12.0% per annum, 101-250 days - 10% per annum.
A deposit can be opened in favor of third parties.
The program of this contribution is no longer relevant...(12/2/2015)
2. The “My Pension” deposit from Promsvyazbank is the best for pensioners
This deposit can be opened in three currencies: rubles, dollars, euros.
Interest is paid either to a bank account on a monthly basis, or is capitalized and issued at the end of the term.
The deposit cannot be opened for third parties; it can only be opened upon presentation of a pension certificate.
The minimum amount for a ruble deposit is 3 thousand rubles, the maximum interest is 9.35% per annum, the deposit can be opened for a period of up to 2 years.
| Currency | Initial sum contribution |
Annual interest rate (in%): |
||
|---|---|---|---|---|
| Deposit term in days | ||||
| 181 | 367 | 731 | ||
| Russian rubles | from 3000 | 8.65 / 8.50 | 8.95 / 8.60 | 9.35 / 8.60 |
| U.S. dollars | from 500 | 1.50 / 1.50 | 2.53 / 2.50 | 2.56 / 2.50 |
| Euro | from 500 | 1.10 / 1.10 | 2.12 / 2.10 | 2.19 / 2.15 |
Update: 12/2/2015
3. “Simple Rules” deposit – the most convenient deposit
The deposit is opened in rubles, dollars or euros. There are no term limits; you can multiply your money for five or ten years.
The minimum balance (irreducible) is not set, you can withdraw from the account as much as you want.
You can save interest on the account or withdraw it monthly.
In general, the “Simple Rules” deposit is freedom in all deposit parameters: terms, replenishment, withdrawal, etc., but there is one minus, the interest on the deposit is not very high - from 2.50 to 6.00% per annum.
In 2020, Promsvyazbank is placing Money individuals at interest in rubles and foreign currency. Residents of Moscow have access to a range of basic tariff plans and premium deposits in the Private Banking segment.
Terms of deposits
Clients of Promsvyazbank can choose a suitable deposit depending on their current needs: classic or investment, with the possibility of partial withdrawal of funds and replenishment or without such options, with monthly capitalization of interest or payment to a separate account.
The maximum interest rate is set for the “My Strategy” product. It is available to clients who have taken out an investment life insurance policy. Interest is paid upon expiration of the contract.
Premium deposits are opened if the client has a valid agreement to connect to the Private Banking program.
Registration of Promsvyazbank deposits in Moscow
To make a deposit, the client must contact one of the Promsvyazbank offices with a passport. After completing the documents, the investor deposits money in cash. It is also possible to transfer funds from an account opened with a bank. After this, the client receives documentary confirmation of the deposit and payment of the required amount.
Investors can also use the PSB-Retail Internet banking system. To do this, you need to come to the Promsvyazbank office and open a current account (get a bank card) and sign up for the service remote maintenance. Funds for placement will be debited at the client's choice from the current account or account bank card. The client can receive documentary confirmation of the deposit and deposit of the required amount of money at the bank office.
Promsvyazbank proposes to open in 2020 profitable deposits for individuals under high interest rates. Let's look at what rates ordinary investors, pensioners and premium clients can claim today.
Promsvyazbank is among the top 10 largest banks in Russia and is a universal commercial bank, whose history goes back 20 years. It was recognized by the Central Bank of the Russian Federation as one of the financial institutions.
Promsvyazbank branches operate in Moscow, St. Petersburg, Krasnodar, Nizhny Novgorod and many other cities of Russia. Promsvyazbank's regional network includes more than 300 offices, more than 10,000 ATMs (including ATMs of partner banks) and more than 200 self-service terminals throughout the country.
Promsvyazbank was chosen as a support bank for the implementation of state defense orders and support of large government contracts, providing a full range of services to retail and to corporative clients, small and medium-sized businesses, the site reports.
Promsvyazbank deposits for individuals are insured by the state, which means the depositor can always count on compensation in the amount of up to 1.4 million rubles.
Promsvyazbank deposits for pensioners: increased rates
Pensioners can apply for any of the deposits offered by Promsvyazbank under general conditions. But the bank’s line of deposits today also includes Special offers for women over 54 and men over 59 years old. They can get surcharge to the interest rate of + 0.1% when opening or prolonging deposits: “My income”, “My piggy bank” and “My opportunities”.
Promsvyazbank 2020: interest on deposits of individuals
In 2020, Promsvyazbank deposits for individuals can be opened in rubles, dollars and euros, depending on the strategies for accumulating funds. Today, pensioners have increased rates on the “My Piggy Bank” deposit, and there are special deposits for premium clients. The website has compiled an up-to-date overview of Promsvyazbank’s current deposits.
Promsvyazbank deposit “My income”
This is a classic deposit for individuals with the opportunity to receive maximum income and early termination at preferential terms, the site reports. You can apply for it at the branch or online. The deposit may be opened in favor of third parties.
Conditions
- Currency: Russian rubles / US dollars;
- Deposit term: 122, 181, 367, 547, 731 days;
- Minimum amount: 10,000 rub.
- Expense transactions: not provided;
- Replenishment: provided within the first 30 days from the opening date;
Interest rates
Allowances:
0.10% when placing or prolonging a deposit for pensioners (provided to women over 54, and men over 59 with a deposit amount of 100,000 rubles).
+ 0.10% when placing a deposit on the Internet and mobile banking, as well as at ATMs.
Calculation. The maximum return on the “My Income” deposit of 7.5% per annum in rubles is achieved when opening an online deposit in the amount of 1 million rubles or more for a period of 547 days. In this case, the income for 1.5 years will be 112,397 rubles. You will receive 1,112,397 rubles in your hands.
Calculate possible income on deposit
Few? See what interest rates on deposits are offered today
Promsvyazbank deposit “My Benefit”
This is a replenished deposit for individuals with the opportunity to receive a decent income and early termination on preferential terms. It can be opened at the bank’s office and in the PSB-Retail Internet bank.
Conditions
- Currency: Russian rubles, US dollars, euros.
- Duration: 32-731 days. in Russian rubles / 91-1095 days. in US dollars and euros;
- Minimum amount: from 10,000 rubles / 300 US dollars / 300 euros;
- Replenishment: provided;
- Expense transactions: not provided.
- Interest payment: at the end of the deposit term.
- Conditions for early termination: preferential. When closing a deposit after the 90th day, interest is paid at the rate of 1/2 the interest rate.
Interest rates
Allowances:
0.10% when placing a deposit in the Internet and mobile banking.
Doesn't fit? See what interest rates on deposits are offered today
Promsvyazbank deposit “My piggy bank”
This is a replenishable deposit with monthly interest accrual. They can be received in person, or they can be capitalized by increasing the amount of the deposit. For premium clients there is an addition to the interest rate.
Conditions
- Currency: Russian rubles, US dollars.
- Duration: from 181 to 731 days;
- Minimum amount: RUB 10,000/USD 300;
- Replenishment: provided;
- Expense transactions: not provided;
- Interest payment: monthly capitalization or payment to the account;
Interest rates
Allowances:
Promsvyazbank deposits "My capabilities"
This is a so-called “expendable” deposit for individuals with the ability to replenish and withdraw funds without losing interest. There is a surcharge for premium clients. You can open a deposit at a bank office or in the PSB-Retail Internet bank.
Conditions
- Deposit term: from 181 to 731 days;
- Minimum amount: 50,000 rub. / US$300;
- Maximum amount: RUB 20 million / USD 500,000;
- Replenishment: provided;
- Expense transactions: provided without loss of interest, subject to maintaining the minimum balance on the deposit.
- Interest payment: monthly capitalization or payment to the account of the client's choice.
- Conditions for early termination: at the “on demand” deposit rate.
Interest rates
Allowances:
0.15% for owners of banking service programs when opening a deposit for a period of 6 months in an amount of 500,000 rubles.
0.10% for pensioners when opening a deposit for a period of 6 months in an amount of 10,000 rubles.
0.10% when placing a deposit in the Internet bank.
Not satisfied? See what deposit rates are in
Promsvyazbank contribution “My Strategy”
This is a comprehensive solution for effective savings. Clients who have taken out a policy under the investment life insurance program can open a deposit.
Conditions
- Deposit term: 181, 367 days;
- Minimum amount: 50,000 rubles;
- Maximum amount: 3 million rubles;
- Replenishment: not provided;
- Expense transactions: not provided.
- Interest payment: at the end of the term.
Interest rates
> 8.0% per annum for amounts over 50,000 rubles;
> 8.2% per annum for amounts over 1 million rubles.
In case of early termination of the investment life insurance contract, the deposit interest rate may be reduced by 1 percentage point!
See also what interest rates on deposits are offered today
Promsvyazbank savings accounts
To store savings, clients can open not only Promsvyazbank deposits, but also savings accounts. They combine flexible terms for managing funds and high returns.
1. Savings account “Profitable”
The account offers more flexible conditions and the opportunity not only to save money without much effort, but also to receive additional income both in rubles and in foreign currency. The account is available for opening at the bank's office and on the Internet. Connecting accumulation rules: “Refilled-accumulated” and “Bought-accumulated”.
Conditions
- Currency: Russian rubles;
- Minimum account balance during a calendar month: from 5,000 rubles;
- Replenishment: no restrictions on amount and period;
- Withdrawal: without loss of interest;
- Monthly interest payment;
- Interest paid is capitalized.
Interest rates
See what interest rates have the most profitable deposits for pensioners in
2. Savings account "Emphasis on percentage"
This offer may be especially beneficial for those who regularly pay by debit or credit cards Promsvyazbank, and for quite large sums. You can open an Accent on Interest savings account at a bank office or in mobile or online banking.
Conditions
- Minimum contribution: not established.
- Replenishment: no limits.
- Withdrawal: no restrictions.
- Interest payment: monthly with capitalization.
Base interest rates
If the minimum account balance is more than 700 thousand rubles, then for an amount up to 700 thousand rubles the client will receive income at a rate of 6.5% per annum, for an amount over 700 thousand rubles - at a rate of 5.5% per annum!
How to get a higher rate?
Pay for purchases with PSB cards in the amount of 10,000 rubles and more and receive a rate premium of 0.3% to 1.5%.
Maximum bet You can get 8% per annum on the “Accent on Interest” account if you have up to 700,000 rubles in your account and spend from 85,000 rubles per month on your PSB card.
Promsvyazbank deposits for premium clients
1. Contribution "Orange Welfare"
This banking product for premium clients, allowing you to get a high rate on bank deposit, as well as to generate target capital and provide financial support in an unforeseen situation.
One part of the client’s funds is placed in a deposit with a higher interest rate, and the other in one of the programs endowment insurance life (NSZH) IC "Ingosstrakh-Life".
Conditions
| Contribution | NSJ | |
| Currency | Russian rubles | Russian rubles |
| Term | 181, 367 days | From 10 years |
| Minimum amount | from 50,000 rubles | from 100,000 rubles (for first-year contributions) or from 400,000 rubles (for one-time contributions) |
| Replenishment | Not provided | By additional contributions to the program |
| Payment of interest/income | At the end of the term | At the end of the term |
| Expense transactions | Not provided | Not provided |
| Yield/amount upon early termination | According to the rules for calculating redemption amounts | |
| Insurance in DIA | Insured | Not insured |
Interest rate
> 8.0% per annum in rubles for a period of 181 days;
> 8.2% per annum in rubles for a period of 367 days.
2. Contribution "Investment income"
This is a comprehensive deposit for premium clients, combining reliability bank deposit and stock market investment opportunities.
One part of the client’s funds is placed on a time deposit with a higher interest rate, and the other is invested in mutual funds investment funds(PIF) under the management of PROMSVYAZ UK.
Conditions
| Contribution | mutual fund | |
| Currency | Russian rubles, US dollars | Russian rubles |
| Term | 184 days | Is not limited |
| Minimum amount | 50,000 rubles | 50,000 rubles |
| Replenishment | Not provided | By purchasing additional shares |
| Payment of interest/income | At the end of the term | When redeeming shares |
| Expense transactions | Not provided | By redeeming shares |
| Yield upon early termination | At the deposit rate "On demand" | The difference between the value of the unit upon purchase and redemption |
| Insurance in DIA | Insured | Not insured |
Interest rates
> 7.7% per annum in rubles.
How to make a deposit: instructions
You can open a deposit at Promsvyazbank in two ways: in a branch and online via the Internet.
How to make a deposit via online banking
- Issue a card or open an account and enter into a remote banking service agreement at any bank office.
- If you are already connected to the PSB-Retail system, then you get the opportunity to open deposits through Internet banking automatically.
- Log into your personal account in the PSB-Retail Internet bank in the “Deposits” section.
- Click the “Open deposit” button on the screen and select the deposit that suits you.
- Cash in favor open deposit at your choice will be debited from your bank card account, current account or demand deposit account opened with Promsvyazbank.
- Confirm the operation and the deposit is opened.
- You can receive a document confirming the opening of a deposit at any bank office.
How to make a deposit at a bank office
- Visit the bank office with your passport or other identification document.
- Sign the application for adherence to the rules for placing deposits and others Required documents, which the bank operator will print for you.
- Deposit the deposit amount in cash at the cash desk or make a transfer from any of your accounts opened with Promsvyazbank.
- After depositing funds (cash or transfer from the account), the operator will give you confirmation of the bank deposit.
List of documents for registration of a deposit
- Identification document (passport or other document);
- TIN (if available);
- SNILS (if available).
