Post Bank is seasonal. Deposits for pensioners in the Post Bank. Post Bank savings account

Salary clients and those receiving a pension from the bank are often offered more attractive conditions for various products. Likewise, in 2019, special tariffs apply to deposits for pensioners at Pochta Bank, increased by 0.25%. To receive the pension itself, a savings account is opened, the balance of which is automatically credited with up to 7% per annum.

Post Bank deposits

Such preferential deposits provide the opportunity to save and spend at the same time. This is especially true for a savings account, which capitalizes interest and increases the return on savings over time. In 2019, other products for pensioners will be offered at a rate of 0.25-0.5 percentage points. higher than basic.

Today there are three deposit programs:

• Capital (has a certain period and assumes the highest interest rates);
• Income (replenishable, monthly interest accrual);
• Cumulative (income is paid quarterly, you can close it early without loss of profit).

The choice of the appropriate option depends on the purpose. Do you want to save and increase your funds? "Capital" will do. Are you planning to save up a certain amount of money for a major purchase? Opt for "Accumulative" with low profits, but with the possibility of free withdrawal of funds. Average interest rate, but the option of periodic withdrawals is possible for the “Profitable” deposit.

All deposits are insured by the state, which guarantees their return. Let's consider the favorable conditions of pension deposits in Pochta Bank for pensioners in 2019, registration methods, additional functions and services. Let's start with the program to which all pensioners are connected immediately after opening an account to receive social benefits at the bank.

Savings account when receiving a pension at Post Bank

Favorable interest rates

Post Bank interest on deposits for pensioners in 2019 for any of them, unlike other clients, is 0.25% higher. They will also increase if existing funds are transferred from the account of another financial organization. The amount of the interbank transfer is charged +0.25% per annum.

Let's consider the basic conditions for deposits.

Capital

The highest rate is 7.55%). Size – at least 50 thousand, and for maximum income – from 1.5 million rubles. Possible terms are 6, 12 or 18 months. The goal is to save and multiply money.

Profitable

Average interest (7.0-7.35%, depending on the volume of deposited funds). Size – from 500,000 or 1,500,000 rubles. It is profitable to invest more. Aimed at making a profit.

Cumulative

Provides for an accrual of 7.05%, if the amount is from 5 thousand, with an increase in the amount of invested funds, the rate increases to 7.15%, and with capitalization - to 7.33%. The purpose is to collect a specific amount of money or simply save it and not waste it.

Comparison of deposits

Capital and Income deposits are replenished only during the first 10 days, Income – at any time during its validity. Withdrawals upon closing are made by transferring them to a savings card. Then the money can be cashed out, transferred, spent or left on the card and receive additional income.

Retirement Savings Account

An important point: deposit rates for pensioners at Post Bank will be higher only if the client receives a pension from it. Moreover, the larger the amount of money deposited, the greater the interest accrued. The pension goes directly into the savings account.

The "Pension" tariff includes:

• 4.5% on the balance, which must be at least 1 thousand rubles;
• if there are more than 50 thousand on the card, charges increase to 7%.

After transferring the pension receipt, a number of services become available to the client, making deposit management more convenient and practical. First of all, these are SMS notifications and Internet banking, which allow you to manage money remotely and at any time.

Interest is accrued monthly on the balance (minimum 1 thousand). They increase the size of the deposit, and even after withdrawal, the income remains with the depositor. Capitalization is taking place.

Seasonal contribution

From time to time it is proposed to open a seasonal deposit in Post Bank for pensioners. In 2017, it could be issued until June 30. The interest rate is fixed at 8.5%. Duration – one year, size – from 50 thousand rubles. Its advantage is favorable rates, the disadvantage is the limited opening time. Follow the Bank's offers and saving money there will be even more profitable.

Deposit calculator

The calculator available on the official website under each deposit program will help you calculate and compare the conditions for deposits in Post Bank for pensioners. Using the slider on the left side of the window, specify the initial data - the tariff and income will be displayed on the right. For pensioner bank clients, you just need to add 0.25 or 0.5% to the base rate. Then analyze the results and choose which option suits you best.

Opening a deposit in Post Bank

Opening a deposit in Post Bank for pensioners in 2019 is very simple. Convenient to use online registration. Just click on the appropriate button located under the profitability calculator and enter the required data.

You can use a mobile application or online banking. More conservative categories of citizens can always make a deposit in person at one of the bank branches. An employee will tell you about all current tariffs and help you choose the most suitable option.

Those who do not yet receive a pension from Post Bank should first re-arrange its delivery by submitting the appropriate application. After this, all preferential programs will become available to the client. The pension tariff is activated automatically immediately after receipt of payments from the Pension Fund.

Additional services for pensioners

Keeping money on a savings card or as a deposit allows you to protect it from inflation and increase it.

However, a number of other benefits are available to retired investors:

• free receipt of a reliable one with all its advantages;
• the ability to connect to mobile or Internet banking and pay for utilities, telephone calls and other payments, manage finances (transfer/receive) directly from home;
• payment for goods and services on the virtual network, as well as receiving an “Online Buyer Package” guaranteeing the safety and profitability of online purchases;
• Convenient SMS notifications that allow you to monitor receipts and expenses, increases and calculations of deposit rates.

Also, in addition to reduced interest on deposits for pensioners, Post Bank offers other preferential products in 2019:

• at 14.9%;
• interest-free credit card (up to 120 days);
• refinancing loans from third-party lenders at 16.9%

Therefore, transferring a pension to this bank is profitable and convenient not only for the sake of savings, but also for further cooperation.

Conclusion

Post Bank interest on deposits for pensioners in 2019 is 0.25-0.5% higher than base rates. All pension cards will be automatically connected to a savings account on preferential terms at 7% per annum.

Among the relatively new commercial financial institutions in our country, Post Bank occupies a special place. Deposits for pensioners form an integral part of its services, since the institution is focused primarily on working with clients of this category.

Brief information about the bank

In 2017, Pochta Bank, which is part of the VTB group of companies, began its work, and Russian Post received an impressive part of its assets. The basis for the new commercial organization was Leto Bank, which occupied a relatively small market share at the time of the reorganization.

Among the obvious advantages of this financial institution, it is advisable to note:

1. Possibility of increasing deposit rates for people of retirement age.
2. Availability of special tariffs for services.
3. All deposits are insured.
4. Users have access to all modern account management services - mobile and online banking, smartphone application.

During the short period of the bank's existence, it has significantly increased due to the creation of customer centers in numerous post offices throughout the country. Among the range of financial services available to consumers, offerings for retirees occupy a central place.

Post Bank customer service takes place at post offices

Suitable bank products

Despite the fact that the institution itself is focused on clients of retirement age, there is no special program for them. However, among the standard offers you can find several suitable options at once. In addition, the product line includes a specialized “Pension” tariff, which is provided by the state.

It allows clients of this age category to receive a number of privileges. Among them, it is necessary to mention the increased interest rate on deposits, as well as preferential lending conditions. This makes using Post Bank services noticeably more profitable from a financial point of view.

All types of deposits presented in the range of this bank are characterized by several features. The client can open it exclusively in rubles, which is not always justified, given inflation rates and exchange rate fluctuations. At the same time, all products are insured by DIA, which allows you to reimburse up to 1.4 million rubles of invested funds.

The essence of the pension tariff

As part of this tariff, the client is given the opportunity to issue a special pension card, which will allow him to receive 7% on the balance annually. At the same time, servicing “plastic” is completely free, which allows you to save money. The “Pension” service package also allows you to open a Savings account free of charge.

A card is attached to it, which is issued in the MIR payment system. The main advantage of a savings account is the ability to manage funds, and interest is accrued every month on the amount remaining on it. In addition, it is possible to receive payments to the account, which will make its use more convenient.

The holder of such “plastic” can freely withdraw cash from the following financial institutions:

1. Post Bank.
2. Bank of Moscow.

If you wish, you can receive the required amount at the nearest branch of Russian Post. Within the framework of the tariff, the client will have access to the entire range of services, including mobile and online banking, as well as payments and fund transfers.

The disadvantages of this banking product include the unnamed type of card. This imposes significant restrictions on a number of payments made on the Internet.

Post Bank card for pensioners

Pension card options

Such a card is a unique product that is sold only by Russian Post Bank.

Deposits using the “Pension” tariff receive +0.25% return.

Its advantages include the possibility of quickly releasing the product and its subsequent delivery to the applicant’s home. In addition, it is characterized by other features:

• accrual of 7.46 percent on the remaining amount with capitalization;
• SMS notification about all operations performed using “plastic”;
• the possibility of receiving a pension on the card;
• privileges, discounts and promotions of the MIR payment system.

The card can be used through a mobile application, which will allow you to remotely pay for utilities, make payments and transfers, and pay taxes. Using the tariff will also allow you to use the bank’s credit services on preferential terms.

Deposit "Capital"

One of the main deposits in the Post Bank line appears to be “Capital”. It provides an interest rate of 8 to 9.5% per year, which depends on the terms and amount of invested funds. To get the most favorable conditions, it is recommended to deposit an amount of at least 1.5 million rubles for six months, which will allow you to receive maximum income.

However, within the framework of this program, deposits of relatively small amounts of financial assets from 50 to 500 thousand rubles are more popular among pensioners. In such cases, investors should expect a minimum interest rate under the program equal to 8%. The minimum investment period is six months, and the income received is added to the deposit balance.

It is important to note that interest, in accordance with the terms of the agreement, will be accrued on the last day of its validity. If funds are requested earlier, the rate will be reduced by the bank unilaterally.

Deposit "Profitable"

This offer is designed for retirees with significant funds. The minimum investment amount is 500 thousand rubles, and the investment terms may vary and depend on the wishes of the client. This convenience is somewhat compensated by the reduced interest rate, which is 7.5%.

Interest is paid monthly, and the income received is added to the deposit balance. If there is a need to withdraw funds early, the consumer will have to face a reduction in the interest rate.

Deposits for pensioners have favorable conditions

Accumulative pension deposit

This product differs from its analogues in that interest is accrued every 92 days, after which it is capitalized. When withdrawing invested funds early, a pensioner does not lose previously accrued interest, which is extremely beneficial. The accumulative pension deposit seems to be one of the most loyal in terms of:

1. The minimum investment amount is 5000 rubles.
2. The period for placing funds is 1 year.
3. You can replenish your deposit at any convenient time.
4. Interest is calculated every three months.
5. There is a possibility of extending the period.

Among all the bank’s offers, this seems to be the most profitable for clients who do not have a large amount of savings, but are ready to gradually increase it in order to increase profitability. Such a loyal attitude is compensated by a reduced interest rate of 7-7.5%.

"Seasonal" deposit

Among the bank's offers, there are also non-standard options. These include the “Seasonal” deposit, which consumers will be able to open until June 30, 2018. Its conditions provide for a minimum investment amount of 50,000 rubles, which are placed for a year. The interest rate of the deposit is fixed and amounts to 8.25% per annum.

All income received is added to the deposit amount at the end of its validity period. You can deposit additional funds into your account within 10 days, however, early withdrawal is not provided. If the consumer wishes to extend the contract, it will be extended in accordance with the terms of the Capital program.

How to make a deposit

In order to open a deposit with Pochta Bank, a pensioner will need to personally visit a branch of the organization or use the services of a client center at a Russian post office. After this, the client must present a passport of a citizen of the Russian Federation and conclude an agreement with the company.

If the consumer is already a bank client, he can increase his income by opening a deposit remotely. To do this, you will need to use the online banking service. However, it will not be possible to use such a supplement simultaneously with its pension equivalent.

When the deposit is completed, the user will be given a card attached to the account, which will be used to deposit funds into it. This can be done in various ways:

• through the Internet;
• using an ATM;
• transfer funds from another bank.

The last method seems to be the most profitable, since it will allow you to receive an additional 0.25% to the deposit interest rate. Moreover, such a benefit is combined with a pension bonus, which allows you to increase income by 0.5%.

Many bank clients who plan to deposit large funds are concerned about their safety. Indeed, during a crisis, many financial organizations close, and the funds stored there are burned. Federal Law No. 177 provides certain protection for the consumer, according to which all deposits in the Russian Post Bank are insured by the DIA. This means that the depositor will be able to return up to 1.4 million rubles previously stored in each of the banks. To increase the security of your investments, it is not recommended to store more than this amount in one institution.

Each bank tries to offer pensioners improved conditions for savings programs. In 2018, Post Bank offers more favorable interest rates on deposits for pensioners than for other categories of citizens.

Conditions for deposits for pensioners in 2018

Separate deposit programs at Pochta Bank for pensioners are not available today. They can take advantage of one of the general offers, but receive an increase to the standard percentage within the Pension tariff in the amount of 0.25%.

Main advantages in 2018 for senior citizens at Post Bank:

• reduced interest rates on loans;
• increased interest on deposit;
• increased interest on a savings account.

The process of transferring a pension to the Post Bank of Russia in 2018 includes the following steps:

1. Visit the office with your ID and SNILS.
2. Open a Savings Account and receive a free plastic card for it.
3. Submit an application to the Pension Fund for the transfer of contributions to Post Bank.
4. When registering, the client uses the terms of the Basic project. After receiving the first pension, it is automatically transferred to the Pension.

Seasonal deposit

The terms and conditions of the Seasonal Offer are as follows:

• minimum amount: 50 thousand rubles;
• period: 367 days;
• interest rate fixed: 8.25%;
• interest calculation: on the last day of validity, all calculated interest is added to the balance;
• replenishment: possible in the first 10 days of the program;
• withdrawal of money from the balance: not allowed;
• prolongation: occurs according to the terms of the Capital deposit.

To open a Seasonal deposit, you must go to the office with your ID to sign an agreement and open a deposit.

Existing clients can open a deposit via Internet Banking. For remote access you receive a bonus of +0.25% to the bet. But only one type of bonus is available: pension or for online deposit registration.

When opening a deposit, the client is given a card, the PIN code of which is sent via SMS.

You can deposit money in several ways:

• ATM;
• Internet bank;
• transfer from another financial institution.

For the amount sent using the latter method, the yield is calculated at an increased rate: +0.25%. Thus, today it is possible to increase the tariff offered by Post Bank by a maximum of 0.5%. Uniform rules apply to all types of deposits.

When closing the Seasonal Pension Deposit in the Post Bank of Russia, all funds, taking into account accrued income, are sent to the Savings Account. The investor can leave them on it to receive additional income or withdraw them.

If you need to receive money before the end date, you must submit a corresponding application to Post Bank. For early withdrawal in 2018, 0.1% applies. Similar conditions apply if the balance drops below 50 thousand rubles.

Favorable Capital contribution

The Capital contribution to the Post Bank of Russia in 2018 provides the opportunity to receive maximum income. The conditions for it generally correspond to the program described above.

The difference is the interest rate, which depends on the size of the investment and its duration:

• 50 – 500 thousand rubles: 7.75% when placed for a year;
• 0.5-1.5 million: 8%;
• from 1.5 million: 8.25%.

The contract can be concluded for six months, with interest charged at 0.25% lower. These are the most profitable deposits for pensioners in Post Bank today.

The profitability is calculated at the end, adding to the existing balance. The rules for opening, replenishment and closing in 2018 are similar to those described for the Seasonal project.

Deposit Profitable

The Profitable deposit is designed for large investments for individuals who want to gain a little more freedom in choosing interaction parameters. In particular, it is allowed to set any duration, not necessarily a multiple of a year or 6 months.

Today, the income deposit of the Post Bank of Russia provides quite high interest rates for pensioners:

• from 500 thousand: 7.5%;
• from 1.5 million: 7.75%.

The calculation occurs every month on the day the deposit is opened, and the income is added to the balance.

In case of termination of the contract ahead of schedule, the payment rules are slightly different in 2018:

• if you have a deposit for 1-180 days in Post Bank: 0.1%;
• for a longer period: 4.5%.

Accumulative pension deposit

A special feature of the Savings Deposit at the Post Bank of Russia is the accrual of interest every 92 days, after which they are capitalized. At the same time, the pensioner gets the opportunity, if the deposit is closed early, not to lose the funds already credited to him for the past period.

The parameters of this pension deposit are more flexible:

• minimum amount: 5,000 rubles;
• period: year;
• addition to the initial investment: at any time;
• accrual: once a quarter;
• prolongation: carried out for a similar period according to the rules in force at a particular time for this program.

Today, the Savings Deposit is beneficial for pensioners who do not have a large sum initially, but are ready to make additions to increase their savings.

Due to such relaxations, the interest on deposits for pensioners at the Post Bank of Russia is slightly lower than for those described above:

• Up to 0.5 million rubles: 7%;
• Over: 7.25%;
• Over 1.5 million: 7.5%.

Due to capitalization at the end of each quarter, i.e. increase in the balance sheet by the amount of net profit, the indicated values ​​increase by 0.18-0.21%. Interest already received by the pensioner is not subject to return to the Post Bank of Russia.

Interest on Savings Account today

If for some reason the described Bank of Russia Post deposits for pensioners are not suitable, they are offered an alternative - a Savings Account. Today it is considered more profitable due to the ability to freely manage funds: withdraw if necessary, deposit any amounts at any time. Another advantage is the absence of a validity period and the need for renewal.

Favorable conditions for a Savings account at Post Bank of Russia

It can be used as a regular one (banking or settlement), i.e. carry out any operations with its help:

• replenishment in cash, from cards of other banks, incl. via Internet banking;
• transfers to any cards;
• payment for housing and communal services, mobile communications and other companies for services;
• cash withdrawal;
• control and management of funds through remote services.

Unlike deposits for pensioners in Pochta Bank, the Savings Account is issued with an international Visa Classic or Platinum card or a MIR card with free service for the convenience of settlements and non-cash transactions. The classic card is unnamed and is issued immediately at the branch, while the rest can be received by mail if you do not want to visit the office of the Post Bank of Russia again.

On the minimum balance remaining during the month, income is accrued, which in 2018 is:

• up to 100 thousand rubles: 4.5%;
• over: 7%.

These parameters are currently valid only for pensioners within the Pension tariff.

If the pensioner has not connected it, he will receive the following yield:

• up to 100 thousand rubles: 3.5%;
• over: 6%.

This offer is beneficial if the investor needs to withdraw all or part of his savings. In this case, there is no recalculation, rate change, etc. The money credited to the client can be disposed of freely; it is not subject to return or revision.

Alerts about deposit transactions in the Post Bank of Russia

Deposits for pensioners at Post Bank for 2018 include the possibility of remote notification.

The depositor receives the most important information about the status of his funds via SMS:

• receipt of money on deposit;
• adding interest to the balance;
• tariff increase when the next balance threshold is reached;
• transfer of funds (at closing).

Today, Post Bank, in accordance with the requirements of Russian legislation, is a participant in the deposit insurance system. Every investor can be confident in their savings. They are protected by the Russian insurance system and, even if the bank is liquidated, will be returned to pensioners within the limits established by law.

Conclusion

The terms of deposits for pensioners at Post Bank do not differ from the standard ones. The pension bonus is 0.25% of the rate established for a specific program. Today, pensioners have a choice of three types of deposits: the most profitable, with monthly payments (for large deposits) or without restrictions on replenishment and smaller losses in case of early closure. Until the end of June 2018, you can apply for the most profitable deposit – Seasonal. In order to have the right to carry out any expenditure and income transactions with investments, pensioners are recommended to open a special account for savings that does not have strict limits.

Individual deposits are clients’ own funds, which they place in the bank at interest to increase profitability. The bank, agreeing to pay interest, receives funds from the population, which it uses to carry out its transactions. Thus, the deposit is a profitable transaction for both parties.

Poll: Why did you choose Post Bank to open a deposit? (Number of votes: 3)

Reliability

Ease of use

Availability, employees in every branch of Russian Post

I don't open deposits, I came here just to read the article

To vote, click on the desired answer. results

What are the additional options?

The difference between Post Bank deposits and others, which can be found in the lines of other credit institutions, is that there is no opportunity to place a foreign currency deposit. Post Bank works exclusively with domestic currency. At the same time, it offers favorable conditions for individuals, that is, higher interest rates compared to other banks. In addition, the population has higher confidence in it, since it is partly state-owned. Post Bank was formed as a result of an agreement between VTB 24 and Russian Post and is aimed at working with people with low incomes.

Deposits can be characterized by various options:

• Refillable;
• With interest capitalization.

These options affect the interest rate. The interest rate is a fixed percentage that is calculated on the deposit amount per year. A seasonal contribution is characterized by the fact that it is timed to coincide with a certain date. This could be a deposit for the Victory Day holiday. The purpose of a seasonal deposit is to save and increase the amount for a specific event. The bank rate for these types of deposits is higher than usual. The seasonal deposit was valid in the first half of 2017.

Deposit replenishment is an increase in the size of the main body of the deposit with the likelihood that the depositor may have additional free funds that he would like to add to his account. Accordingly, if the deposit body grows, then the profitability also increases.

Interest capitalization means that interest accrues over a certain period of time:

• Monthly;
• Quarterly.

In this case, the accrued interest at the end of the time period is added to the main body of the deposit. In the next time period, interest is accrued on the main body of the deposit plus interest for the previous period of time. For example:

Post Bank deposits for the population

So, what deposits does Post Bank offer to the population? There is a limited list:

• Capital;
• Profitable;
• Cumulative.

The capital deposit of Post Bank offers the highest interest rate, which varies slightly depending on the amount of funds:

• From 7.2% to 7.5% for deposits up to 500,000 rubles;
• From 7.2% to 7.6% for deposit amounts from 500,000 to 1,500,000 rubles;
• From 7.2% to 7.7% with a deposit size of 1,500,000 rubles.

The deposit size is not allowed less than 50,000 rubles. The replenishment conditions are minimal - only 10 days after opening, then it will be impossible to replenish the account. Interest on the deposit is paid at the end of the term, that is, if you open a deposit for 6 months, the client will receive income in six months. At the same time, in addition to six months, you can open deposits for 12 and 18 months.

Attention! You cannot withdraw funds from the capital deposit.

But he has the opportunity to receive an additional 0.25% bonus for pensioners or for those who want to open a deposit through a mobile application or the Internet. A “savings account” is also provided free of charge upon opening.

The income deposit of Pochta Bank is interesting for people who do not want to wait until the end of the deposit period to receive interest. The terms of the deposit require monthly interest payments, which makes it attractive to many groups of the population. But the term of this deposit is only one – 12 months. And interest rates are no different:

• 7.2% for a deposit from 500,000 to 1,500,000 rubles;
• 7.35% for a deposit of 1,500,000 rubles.

The conditions for receiving the bonus are the same as for the “Capital” deposit. And the terms of the “Income” deposit provide for the opening of a “savings account”.

The Post Bank savings deposit has the most pleasant additional options compared to other deposits. It is, of course, replenished, and there are no restrictions on the timing of its replenishment. The client can increase the deposit amount throughout the placement period – 12 months. The bank deposit options assume capitalization of interest every 92 days. This means that the deposit amount will constantly increase, therefore, the profitability will increase. Interest may be paid quarterly to the client.

Interesting! The minimum contribution amount is only 5 thousand rubles.

Deposit rates vary:

• From 6.85% to 7.03% for a deposit of up to 500,000 rubles;
• From 7% to 7.19% for a deposit from 500,000 to 1,500,000 rubles;
• From 7.15% to 7.35% for a deposit of 1,500 thousand rubles.

The conditions for allowances remain the same as for other types of Post Bank deposits.

Post Bank: profitable deposits for individuals in 2019

Post Bank deposits for individuals in 2019 are an opportunity to save your savings from inflation and even earn a little on interest. Today, Post Bank's line of savings products includes 4 main types of deposits. Each of them has its own distinctive features. For comparison, the site’s correspondents have summarized them in a small table:

Below we will talk in detail about each of them and try to choose the most profitable Pochta Bank deposit to date.

In the meantime, it should be immediately noted that Pochta Bank currently does not have expense deposits with partial withdrawal of funds without loss of interest, as well as any special benefits for early termination of the deposit agreement. This means that when depositing savings, you need to accurately calculate your financial capabilities. Of course, you can withdraw your money at any time, but only without accrued interest.

Another feature of Post Bank savings programs in 2019 can be considered the absence of deposits in foreign currencies: US dollars and euros. Deposits for the population at Pochta Bank today can only be opened in rubles. However, this does not prevent him from attracting more and more investors.

Post Bank deposits for pensioners in 2019 - features

Before you start comparing the conditions and rates of Post Bank savings programs, you need to say a few words about the features of attracting money from older people.

Deposits of individuals at Post Bank for pensioners in 2019 are not specially allocated from the basic line of deposits, as in some other places. Simply, when opening a particular deposit, pensioners receive an increased interest rate.

Today deposits for pensioners in Pochta Bank have a bet on 0.25 percent per annum above than for other individuals (“Pension” tariff). To receive an increased rate, it is enough to present a pension certificate or a certificate from the Russian Pension Fund.

By the way, by the same amount ( +0.25 percent per annum) the deposit interest rate increases under two more conditions:

1. when opening a deposit online - through Mobile or Internet Banking,

2. when switching to the “Active” tariff.

Post Bank deposits for individuals in 2019: interest and conditions

Let's consider under what conditions and at what interest rates it is possible to open deposits for individuals with Post Bank today. Let's compare their pros and cons. We’ll start our review with the new seasonal deposit. This is the best offer to date.

New deposit of Pochta-Bank “Maximum”

This is a seasonal offer and is only valid until July 1, 2019. So, if you want to take money to Pochta Bank, then hurry up.

The main advantage of this deposit is the increased interest rate - 7.15% per annum in rubles. But under certain conditions, the rate can be increased by 0.25 percentage points. For example, when opening a deposit in Pochta Bank Online, for clients who have a savings account with the Active tariff plan or for pensioners.

The main conditions for attracting money are typical for seasonal offers: interest is paid at the end of the entire period of 367 days, partial withdrawal without loss of income is not provided.

Conditions

• ☑ Duration: 367 days;
• ☑ Amount: from 100,000 rubles;
• ☑ Replenishment: only in the first 10 days after opening;
• ☑ Expense transactions: no;

Interest rates

Deposit of Post Bank "Capital": interest and conditions

This deposit involves receiving maximum income - up to 7.25 percent per annum. To get this benefit, you need to make a deposit through online banking. Also, pensioners can receive the highest interest rate.

The “Capital” deposit can be replenished only during the first 10 days after opening. Strictly speaking, this cannot be called a replenishment. Rather, it is an opportunity to extend the time of making the deposit amount. So, if you were planning to periodically deposit part of your salary or pension into the bank, then this deposit will not suit you.

It is also impossible to withdraw part of the money already invested without losing interest. In case of early termination of the deposit agreement, interest will be paid at a rate of 0.1% per annum, so plan your expenses in advance for the entire period of the deposit.

Interest on the Capital deposit is paid at the end of the term. When the deposit is closed, the money is transferred to the Savings Account, from where funds can be withdrawn in cash at an ATM or transferred to another bank.

Along with the deposit, a “Savings account” and a MIR debit card are opened for free.

Conditions

• ☑ Placement period: 6, 12, 18 months;
• ☑ Minimum amount: from 50,000 rubles;
• ☑ Payment of interest: at the end of the term;
• ☑ Early termination: at a rate of 0.1% per annum.

Interest rates

Special conditions apply to pensioners (tariffs “Pension”, “Salary pensioner”), when opening a deposit through Post Bank Online, when switching to the “Active” tariff

Duration, days	Basic conditions	Special conditions
	6,8-7,0%	7,05-7,25%

Deposit of Post Bank "Dokhodny": interest and conditions

Interest on the “Profitable” deposit is paid monthly. This means it can be convenient for those who plan to periodically receive income from their invested money. People call this “living on interest.” Otherwise, it is very similar to the previous deposit from our Capital review.

Simultaneously with the “Profitable” deposit, a “Savings account” and a MIR card are opened for free, which you will then need to receive money and interest.

Pensioners and those depositors who make a deposit online through Internet banking, as well as when switching to the “Active” tariff, can receive an increased rate of 0.25%.

To gradually deposit money into the deposit account, replenishment of the deposit is provided during the first 10 days (additional contributions are not allowed at other times).

The conditions also do not provide for partial withdrawal of money from the deposit without loss of profitability, and in case of early termination, you will be charged interest at a rate of 0.1% per annum.

At the end of the entire deposit period, the money is transferred to the Savings Account, from where funds can be withdrawn in cash at an ATM or transferred to another bank.

Conditions

• ☑ Minimum deposit amount: from 500,000 rubles;
• ☑ Replenishment: allowed only during the first 10 days after opening;
• ☑ Capitalization: not provided;
• ☑ Expense transactions: not allowed;
• ☑ Interest payment: monthly;
• ☑ Early termination: at a rate of 0.1% per annum.

Interest rates

Special conditions apply to pensioners (tariffs “Pension”, “Salary pensioner”), when opening a deposit through Post Bank Online, when switching to the “Active” tariff

See what interest rates VTB Bank gives on deposits.

Deposit of Post Bank "Accumulative": interest and conditions

This deposit is suitable for those who intend to save money by replenishing their bank account. Additional contributions to the deposit can be made throughout the entire term, and their minimum amount is not limited. The deposit can be replenished monthly by at least 100 rubles, at least 500 thousand.

Another important feature is that interest on the Accumulative deposit is capitalized every 92 days, replenishing the deposit amount.

Partial withdrawal of money from the deposit without loss of profitability is not provided. But the conditions for early termination of the deposit agreement are interesting. In particular, if you decide to withdraw the money before the due date, then all previously paid interest will remain. But interest for the period from the last payment to the date of termination of the contract will be accrued at a rate of 0.1% per annum. As you can see, the conditions for early withdrawal of the deposit are quite flexible!

When the deposit is closed, the money is transferred to the Savings Account, from where the funds can be withdrawn in cash at an ATM or transferred to another bank.

In a word, the terms of the Post Bank “Accumulative” deposit are quite favorable, and the interest rate has not let us down - up to 6.5% per annum today. Well, let us remind you that pensioners and those depositors who make a deposit online through Internet banking, as well as when switching to the “Active” tariff, can receive an increased rate of 0.25%.

Conditions

• ☑ Placement period: 12 months;
• ☑ Minimum amount: from 5,000 rubles;
• ☑ Replenishment: allowed throughout the entire period;
• ☑ Capitalization: provided;
• ☑ Expense transactions: not allowed;
• ☑ Interest payment: quarterly;
• ☑ Early termination: without loss of interest paid.

Interest rates

6.50% (6.66% with capitalization) - basic conditions;

6.75% (6.92% with capitalization) - for pensioners (Pension, Salary Pensioner tariffs), when opening a deposit through Post Bank Online, when switching to the Active tariff.

See the most profitable replenishable deposits today - review >>

Post Bank deposit calculator 2019: calculate income

The Post Bank online deposit calculator for individuals will help you calculate income depending on the interest rate and term. It allows you to find out the profitability taking into account capitalization, replenishment and withdrawal of funds from the account.

Post Bank savings account: conditions and interest

A Post Bank savings account is a bank account with a MIR card for saving money, increasing it and conveniently using it.

You can transfer your salary or pension to your Savings Account at Post Bank. You can spend money without restrictions, and interest will be accrued on the minimum balance of funds in the account during the month.

Interest is paid monthly, capitalizing on the account, and when withdrawing funds, the income received remains with you.

Interest rates

The Post Bank savings account has “Basic” tariffs for ordinary individuals, as well as “Salary”, “Pension” and others with an increased interest rate.

See what the most profitable deposits for the population are offered by reliable Russian banks today.

What is the “Active” tariff at Pochta Bank?

Pochta-Bank clients, both ordinary individuals and pensioners, can apply for the “Active” tariff. Why is this beneficial?

Because when switching to the “Active” tariff, the bank offers

• √ increased interest rate on deposits by 0.25% per annum;
• √ increased by 1% rate on the minimum balance on the Savings account;
• √ reduced by 2% per annum rate on a cash loan.

How to switch to the “Active” tariff?

To switch to the “Active” tariff, you just need to spend using a Pochta Bank card or make payments to Pochta Bank Online for a total amount of at least 10,000 rubles per month. As soon as this condition is met, all the benefits of the “Active” tariff will be activated automatically.

How to open a deposit in Pochta Bank: step by step

If you are not yet a Post Bank client, proceed as follows:

• 1. Contact an employee of the Pochta Bank customer center with a Russian passport and mobile phone;
• 2. Open a Savings Account and choose the method of opening a deposit: through online and mobile banking (+0.25%) or a written application at the client center (+ 0.25% for pensioners, “Pension” tariff);
• 3. Deposit money through: Internet and mobile banking / ATM / interbank transfer (+0.25% on the transfer amount).

If you are already a client of Pochta Bank, then it is not necessary to visit the client center to open a deposit (if you wish, you can open a deposit in the client center). All you need to do is follow these steps:

• 1. Open a deposit in an online or mobile bank (and receive +0.25%);
• 2. Deposit funds: via online and mobile banking / ATM / interbank transfer (+0.25% on the transfer amount).

How to replenish Pochta Bank deposits

Funding your deposit account is quite simple. For this:

• 3. Deposit money and receive a check.

“Capital” and “Income” deposits can be replenished within the first 10 days after opening. You can deposit money into the “Accumulative” deposit for the entire term of the agreement.

The terms of deposits provide for SMS notification. You will receive SMS messages from the bank about each receipt of funds on the deposit, as well as about an increase in the interest rate when the deposit reaches the level of the next amount gradation.

How to withdraw money

When closing the deposit, funds are transferred to the Savings Account. And from there you can withdraw funds in cash from an ATM or transfer them to another bank. For this:

• 1. Get a local card. The PIN code will be sent to you via SMS message to your mobile phone;
• 2. Select the appropriate item from the menu on the screen;
• 3. Receive funds and receipt.

If you urgently need money, you can get it any day. To do this, you need to contact the bank’s customer center with an application. Interest on the deposit will be paid at a rate of 0.1% per annum.

Conclusions: which Pochta Bank deposit is the most profitable?

The answer to this question would seem to be quite simple. The “Maximum” deposit has the highest interest rate today, which means it can be considered the most profitable. But if the client needs a monthly withdrawal of interest, then the “Profitable” deposit will be the most suitable for him.

If you plan to replenish your deposit from time to time, then the “Accumulative” deposit will be the most profitable for you.

Pochta Bank's popularity with customers owes much to its origins. The Post Bank project was launched by the joint efforts of two giants - Russian Post and VTB Bank. Today Post Bank is part of the international financial group VTB and is a bank with state participation.

The head office is in Moscow, but others are located in post offices throughout Russia, which is very convenient. It is possible that soon Pochta Bank will be able to compete with Sberbank of Russia in terms of the size of its branch network.

Deposits of individuals in Pochta Bank in 2018 were insured by the state, which means that even if the bank ceases to exist, which is unlikely, clients can count on reimbursement of the deposit amount with interest in the amount of no more than 1.4 million rubles.

Contacts

For details about the terms and interest rates of the deposit, please visit the official website of Post Bank www.pochtabank.ru or contact Bank employees.

Customer service phone number: 8 800 550 07 70.

The information is not a public offer. License of the Central Bank of the Russian Federation for banking operations No. 650.