Rosselkhozbank deposits for individuals. Rosselkhozbank deposits for individuals: how to get a favorable percentage? The contribution of the Russian Agricultural Bank for individuals in
Russian Agricultural Bank constantly confirms its importance in the domestic and global financial markets. According to Forbes magazine, the bank is the leader in terms of reliability. According to the international publication "The Banker" - "Rosselkhozbank" is one of the world's largest brands. But these merits, in the opinion of ordinary Russian citizens, pale in comparison with the fact that the only shareholder of the bank is the state. For retirees, this is a key aspect of choice.
Deposits of Rosselkhozbank for individuals in 2016
In full compliance with the current legislation of the Russian Federation, all deposits are subject to insurance. Therefore, physical individuals do not have to worry about the safety of personal savings. Most deposit products have bonus options, which can significantly increase income.
Deposits in rubles
Rosselkhozbank offers customers the following options for opening an account:
- "Classic" is a standard financial program without interest capitalization. You can open for 91-1460 days. Depending on the duration of the agreement, the rate is also formed: from 7.25% to 10% for ruble deposits, from 1.15% to 3.85% for dollar deposits, and from 1.1% to 3.3% for euro deposits . To open an account, you need 3,000 rubles, or 100 dollars or euros, there is no upper bar.
- "Cumulative" - the investor has the right to independently regulate the amount capitalized percent. Depending on the amount and terms of placement, the interest rate is also determined: from 8.2% to 8.5%. In case of early termination of the contract, the rate is cancelled. A distinctive feature of this program is the maximum deposit amount of 1,500,000 rubles.
- "Managed" - here investors can choose the amount of non-reducible balances: from 10,000 to 500,000. The term is the same - from three months to three years. And the interest rates for all options differ insignificantly: from 6.85% to 7.15%.
Indeed, the deposits of Rosselkhozbank for individuals for 2016 in rubles are not only diverse, but also profitable.
"Rosselkhozbank" deposits of individuals 2016: for pensioners
Rosselkhozbank actively participates in social programs, and besides this, it tries to offer its customers the most favorable conditions for cooperation. For example, the following deposits are provided for pensioners:
- "Golden Pension" is a replenishable deposit, opened for a period of 3 months to 2 years, with an interest rate of 7.1% to 8.25%, as well as with automatic renewal of the contract.
- "Pension plus" - this deposit is available to all pensioners without exception. The rate variability is 7.8% (for a year) and 8.15% (for two years). At the same time, there is a minimum non-reducible balance of 500 rubles, and the initial amount starts from 1,000 rubles.
In addition to fairly favorable conditions for deposits for individuals, Rosselkhozbank periodically holds promotions for pensioners, within which you can not only increase income, but also receive pleasant bonuses and gifts.
"Rosselkhozbank" deposits of individuals 2016: interest on deposits
In the list of the most profitable deposit products, one can single out “Golden”, which is opened through an ATM for 540 days and with an income of 11% per annum. True, to open this account you need 30 million. In second place in terms of the coefficient of popular popularity is - "Classic" with an interest rate of 10.3% for the same period. And the third position is occupied by "Save up for a dream" - with a minimum amount of three thousand rubles and a rate of 8.85% for a period of two years.
Promotion "high interest"
From time to time, real treasures appear in the line of deposit offers. These "treasures" include "Fabulous Interest", with almost fantastic rates - 9%, 11% and 13% per annum. Without replenishment and prolongation, for a period of 180 to 540 days. Unfortunately, the promotion for this program ended on the twelfth of February. But the press center assured that the "High Interest" programs would continue.
Rosselkhozbank deposits for individuals in 2016: calculate
Various terms of placement, variability of rates, ruble or foreign currency account, the possibility of replenishment, interest capitalization - such a wide range of offers will allow each client to choose the best option for himself. Moreover, the bank constantly, taking into account the situation in the country and on the world stage, as well as being guided by consumer demand, develops and introduces new financial products. Depending on the terms of the deposit, rates start from 0.01% (Demand deposit with a quarterly income calculation) up to 13% per annum.
How to calculate: calculator
When deciding on the choice of conditions for investing funds, you can consult with specialists, or you can independently calculate the expected profit using the deposit calculator.
How to calculate yourself
It is enough to indicate the amount and period of the deposit on the "deposit calculator" page of the official website, and the program will immediately offer you placement options and the exact amount of income that you will receive.
Deposits in Moscow
The conditions for placing deposits are exactly the same for both the central office and branches. Therefore, for individuals there is no difference in the Moscow branch or in any other to open an account. On the Rosselkhozbank website, you can find the addresses of the nearest branches to save time on the road.
Rosselkhozbank deposits for individuals in 2016: official website
Promotions, conditions, gifts, bonuses, new deposit products, a full list of services - all relevant information can be found on the Rosselkhozbank website. A convenient navigation system will allow you to quickly navigate the offers and products of the bank.
Opportunity online
Keeping up with the times for Rosselkhozbank means helping its clients save time. Therefore, for some time now, in order to make a deposit, it is not necessary to go to the bank office, but you can perform this operation online: through an ATM or "Internet office". In particular, this service is available for "Classic", "Cumulative" and "Gold" deposits.
Everything for the convenience and comfort of our customers - for many years this motto has become fundamental in the work of Rosselkhozbank.
Deposits of Rosselkhozbank for individuals today have favorable interest rates: up to 6.6% in rubles and 1.6% in dollars. See updated conditions and deposit rates for the population of Russia, including pensioners, in 2020. The calculator will help you calculate your income.
Today, the deposits of Rosselkhozbank already have updated interest rates!
In 2020, the Russian Agricultural Bank (RSHB) has already managed to update rates on several deposits for individuals. They were reduced by 0.05 - 0.25 percentage points. This is due to the reduction of the key rate of the Central Bank. However, the yield remains quite high today, compared, for example, with Sberbank.
Therefore, if you are planning to invest in a reliable bank with a good interest rate, then Rosselkhozbank may be exactly the place you are looking for. Why?
Firstly, it is a reliable organization that is 100 percent owned by the state and is one of the systemically important banks in Russia. (For more information about this bank, see below).
Secondly, today the bank offers a wide range of deposits for individuals for a period of 1 month to 4 years with a variety of savings storage conditions. Special programs are provided.
Thirdly, the interest rates of deposits in Rosselkhozbank today are very profitable and quite competitive compared to other banks from the top 10.
What deposits are there today in Rosselkhozbank
In this review, we will compare the interest rates and terms of all RSHB deposits for individuals. Let's just list them first to make it easier for you to navigate. This comparison table shows the names and rates in rubles, dollars and euros. To make it easier for you to choose a suitable RSHB savings program for yourself, the site correspondents divided them into 4 groups:
Below we will detail the features of each deposit and compare their conditions and interest rates.
Deposit calculator
The most profitable deposits of Rosselkhozbank today
It is no secret that most clients choose a deposit based on the interest rate. Therefore, profitability is a key indicator. But high-interest deposits, as a rule, also have their drawbacks: they cannot be replenished, as well as partially withdraw money without losing interest. This has to be put up with.
To date, Rosselkhozbank has 4 such deposits: "Profitable", "Reliable Future", "Investment" and "Amur Tiger".
Deposit of Rosselkhozbank "Profitable"
This deposit involves receiving a high percentage even with a small amount of money. Can be opened through remote service channels. If there is a deposit of more than 50,000 rubles, a free card is issued with the Amur Tiger - card for deposit tariff plan.
Pros and cons
High interest rate.
No refill.
No partial withdrawal without loss of interest.
Terms
- Amount: from 3,000 rubles. / 50 USD or EUR;
- Term: 31 - 1460 days;
- Replenishment: no ;
- Expenditure operations: no;
- Capitalization: yes;
- Interest payment: at the end of the term or monthly.
Interest rate
When applying online with interest paid at the end of the term.
Rubles Dollars Euro
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Amount / Term |
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from 15,000 to 25,000 |
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Amount / Term |
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from 15,000 to 25,000 |
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Calculate the possible income on the deposit
Deposit of the Russian Agricultural Bank "Reliable future"
Opening this deposit is possible with the simultaneous acquisition of an investment life insurance (ILS) policy by one of the insurance companies - partners of the bank. The amount of the ILI policy must be equal to the down payment on the deposit.
Pros and cons
Increased interest rate.
Mandatory purchase of an ILI policy.
Terms
- Amount: from 50,000 rubles;
- Term: 180 and 395 days;
- Replenishment: no ;
- Partial withdrawal without loss of interest: no;
- Interest payment: at the end of the term.
Interest rates
| Amount / Term | 180 days | 395 days |
| from 50 000 ₽ | 6,10% | 6,50% |
See at what percentage today you can open a deposit in Sberbank -
Deposit of the Russian Agricultural Bank "Investment"
Rosselkhozbank's deposit for individuals "Investment" provides an opportunity for clients to receive income both from the money placed on the deposit, and through investments in mutual funds (UIFs). When opening a deposit, a free card is issued with the tariff plan "Amur Tiger - card for deposit".
Pros and cons
Maximum interest rate.
Mandatory placement of funds in mutual funds.
Terms
- Term: 395 and 730 days;
- Minimum size: 50,000 rubles. / 1,000 USD;
- Replenishment: no ;
- Debit transactions with preservation of interest: no;
- Interest payment: end of term.
Interest rates
Rubles Dollars
| Amount / Term | 395 days | 730 days |
| from 1,000 to 25,000 | 1,40% | 1,50% |
| from 25,000 to 80,000 | 1,45% | 1,55% |
| from 80 000 | 1,50% | 1,60% |
Look at the percentage of deposits in VTB Bank today -
Deposit of the Russian Agricultural Bank "Amur Tiger"
This is a deposit of Rosselkhozbank with a monthly interest payment on a card with the Amur Tiger - card to deposit tariff plan.
Pros and cons
High interest rate.
No deposits and partial withdrawals without loss of interest.
Terms
- Term: 395, 540 and 730 days;
- Amount: from 50 thousand rubles;
- Replenishment: no ;
- Debit transactions with the preservation of the interest rate: no;
Interest rates
| 395 days | 540 days | 730 days |
| 5,20% | 5,25% | 5,25% |
Deposits of Rosselkhozbank with replenishment
These deposit programs will be of interest to those who have the opportunity to save money for any major purchase, or simply, as they say, "for a rainy day." To date, there are only two such deposits in the RSHB: “Replenished” and “Save up for a dream”. The possibility of replenishment is their main feature and advantage. But the profitability of these deposits will be somewhat less than that of the previous ones.
Deposit of the Russian Agricultural Bank "Replenished"
This deposit of the Russian Agricultural Bank may be suitable for those who wish to accumulate funds for a specific event or date. If there is a deposit of more than 50,000 rubles, a free card is issued with the Amur Tiger - card for deposit tariff plan. Please note that when making this deposit, the client can choose what to do with the accrued interest: withdraw or add monthly to the amount (capitalization). In case of early termination of the deposit agreement, interest is paid at the rate "On Demand".
Pros and cons
Possibility of replenishment of the account.
Choice of interest payment method.
Increased profitability when opening online.
Low interest rate.
Terms
- Term: from 91 to 1095 days;
- Min. amount: 3 000 rub. / 50 USD or EUR;
- Maximum amount: 10,000,000 rubles. / 300,000 USD or EUR;
- Replenishment: yes;
- The amount of the additional contribution: from 3,000 rubles. / 50 USD or EUR;
- Expenditure operations: no;
- Capitalization: yes;
- Interest payment: monthly.
Interest rates
When applying online
Rubles Dollars Euro
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Amount / Term |
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from 5,000 to 15,000 |
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from 15,000 to 25,000 |
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Amount / Term |
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from 5,000 to 15,000 |
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from 15,000 to 25,000 |
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Deposit of the Russian Agricultural Bank "Save for a Dream"
This deposit with preferential early termination is suitable for clients who plan to purchase a property or a car on credit. It has two main differences from the previous "Replenished" deposit.
- Firstly, the interest accrued monthly cannot be withdrawn, but can only be capitalized.
- Secondly, even in case of early withdrawal of the deposit, interest can be accrued for the actual time the funds are in the bank, and at the rate of the deposit. True, for this it is necessary that a certain condition is met: at least 90% of the deposit amount must be sent as a down payment on a mortgage or car loan taken from the Russian Agricultural Bank.
If there is a deposit of more than 50,000 rubles, a free card is issued with the Amur Tiger - card for deposit tariff plan.
Pros and cons
Possibility of replenishment of the account.
Preferential conditions for early termination.
No partial withdrawals without loss of interest.
Terms
- Deadline: 730 days.
- Amount: from 3,000 rubles / 100 US dollars;
- The minimum amount of the additional contribution: 3,000 rubles. / 100 USD;
- Replenishment: yes;
- Expenditure operations: no;
- Interest payment: monthly capitalization.
Interest rates
Rubles Dollars Euro
Deposits with partial withdrawal without loss of interest
These deposit programs are convenient primarily because they allow the client to freely manage the money in the bank. They can be replenished, but the main thing is that it is possible to partially withdraw funds if they are suddenly needed without losing the accrued interest. True, for all these conveniences you have to pay with your income. Their interest rate is much lower than those that do not provide for the possibility of debit transactions.
Deposit of Rosselkhozbank "Comfortable"
This deposit may be of interest to clients who are willing to put up with a low interest rate in exchange for the ability to withdraw money if they suddenly need it urgently. It can be fearlessly opened for a long time, and then used as an electronic wallet. The main thing is not to spend every penny, but to leave a certain amount on deposit - the so-called "minimum balance". At the same time, the profitability of this deposit will be higher than that of another similar product of the RSHB - Savings account.
If there is a deposit of more than 50,000 rubles, a free card is issued with the Amur Tiger - card for deposit tariff plan. Can be opened via Internet Banking and Mobile Banking.
Pros and cons
With replenishment.
With partial withdrawal.
Increased rate when opening online.
Low interest rate.
Terms
- Term: from 91 to 1095 days.
- Amount: from 10,000 rubles. / 150 dollars or euros;
- The amount of the additional contribution: from 5,000 rubles. / 100 dollars or euros;
- Deposit replenishment: yes;
- Debit transactions: are allowed provided that the minimum balance of the deposit is maintained;
- Interest payment: monthly to the account or capitalization.
Interest rates
When applying online
Rubles Dollars Euro
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Amount / Term |
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Amount / Term |
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Savings account Rosselkhozbank
This savings product can be called a deposit with some stretch, but the correspondents of the site included it in this review. Its main advantage is the ability to replenish the account and withdraw money to zero balance at any time. In this case, the rate will remain unchanged. And interest will be charged daily on the balance of funds in the account.
Please note that interest is charged not on the minimum account balance that was fixed during the month, but on a daily basis! But interest is paid monthly on the last business day of the month by crediting it to the account.
Terms
- Term: indefinitely;
- Amount: not established;
- Replenishment: no restrictions;
- Expenditure transactions: no restrictions.
Interest rates
See the interest on the Savings Account of VTB Bank -
Deposit of the Russian Agricultural Bank "Poste restante"
Can be opened via Internet Banking and Mobile Banking.
Terms
- Amount: from 10 rubles / 5 dollars;
- Replenishment: no restrictions;
- The amount of additional contributions: no restrictions.
- Debit transactions: allowed up to a minimum balance of 10 rubles / 5 dollars.
- Interest payment: quarterly.
Interest rates
Contributions for pensioners
In the line of bank deposits today there are special deposits of individuals for pensioners at preferential interest. Rosselkhozbank opens them only upon presentation of a pension certificate or a document from the Pension Fund of the Russian Federation on the establishment and (or) appointment of an insurance pension.
But for women over 55 years old and for men over 60 years old, and also when no more than two months are left before the onset of the old-age pension, the provision of an appropriate document from the Pension Fund of the Russian Federation is not required.
Deposit of the Russian Agricultural Bank "Profitable pension"
This is a modification of the “Profitable” deposit, but on more favorable terms. If in the original contribution the rate depends on the amount, then the RSHB made a benefit for pensioners. By investing only 500 rubles, you can get a decent percentage. But, of course, it makes no sense to open a deposit of 500 rubles. Because you can't replenish it later. To get the maximum income, you need to invest more.
Interest rates
| 395 days | 730 days | 1095 days |
| 4,8% | 4,9% | 5,0% |
See which special deposits offer pensioners the most reliable
How to open deposits of Rosselkhozbank
Deposits for individuals in Rosselkhozbank today can be arranged in several ways:
- in the RSHB office;
- in the Internet Bank;
- Through mobile banking.
Money can be deposited within 10 calendar days from the date of signing the application for deposit placement.
With a deposit amount of more than 50,000 rubles, the RSHB, as a rule, offers to issue a free card with the Amur Tiger - Card to Deposit tariff plan of the MasterCard international payment system or the MIR National payment system. The client will receive additional income on the balance of the account and protect nature: from each payment for a purchase with a card, Rosselkhozbank will transfer part of its income to the Center for the Study and Conservation of the Amur Tiger Population.
Conclusions: which of the deposits in Rosselkhozbank is the most profitable?
Interest rates vary by term and amount. Therefore, to answer this question, let's bring them to the same denominator. Suppose you plan to invest 100,000 rubles for 1 year and not withdraw interest until the end of the term. In this case, the bank will most likely offer you the following rates:
Comparative table of deposits of the Russian Agricultural Bank
Maximum interest rates for an amount of 100,000 ₽ and a term of 1 year.
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Without replenishment and withdrawal |
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"Profitable" |
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"Reliable future" |
6.5% |
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"Investment" |
6.5% |
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"Amur tiger" |
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With replenishment |
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"Refillable" |
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"Save for a Dream" |
cannot be opened for 1 year |
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With partial withdrawal |
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"Comfortable" |
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"Savings account" |
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Retirement |
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"Profitable pension" |
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"Retirement Income" |
5% |
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"Pension Plus" |
As you can see, the most profitable deposits in Rosselkhozbank today are "Reliable Future" and "Investment". But, please note that they can only be issued together with the purchase of other investment products of the bank.
Rosselkhozbank is inferior in some respects only to Sberbank of Russia, the largest domestic financial institution. And in the field of lending to agricultural enterprises, it occupies a leading position. Its high rating is based on the following aspects:
- 100% of the shares are owned by the state represented by the Federal Agency for State Property Management;
- created to serve the agro-industrial complex;
- focused on a full range of services for both legal entities and individuals;
- offers customers a wide range of banking products, among which are unique and have the most favorable conditions among similar ones;
- consistently enjoys state support, participates in other, no less interesting for users.
The financial indicators of RSHB in Russia are also at a consistently high level:
- the bank ranks 3rd in terms of lending to the population and 5th in terms of funds raised from individuals;
- it ranks 4th in terms of deposits from legal entities and 5th in terms of loans issued to them.
The key to the reliable and stable operation of RSHB is its special status associated with the history of its creation. As a result of the crisis in the banking sector that occurred in 1998, the Government of the Russian Federation decided on the need to restore a system capable of uninterrupted and stable work with the agricultural complex, providing enterprises in the sector with a regular opportunity to receive funds for their activities. Rosselkhozbank OJSC was established in 2000 and the Federal Agency for State Property Management, that is, the state itself, became its main and sole shareholder.
This gives the financial institution not only a reliable base that allows it to survive crisis moments, but also the opportunity to provide its customers with the most loyal conditions. In addition, the funds invested in RSHB are as protected as in 2016, as well as a number of some other deposits. This is based on the fact that the institution is a member of the state deposit insurance program.
The RSHB branch network includes more than 1.5 thousand additional branches and almost 80 regional divisions.
Advice: if you live in remote regions or rural areas and are looking for a large bank to make a deposit or conduct other operations, then you should pay attention to RSHB. Its unique feature is that it is widely represented in the "Russian hinterland". It is present in small towns and villages, in addition, its network covers remote regions, including Kamchatka, Khakassia, Dagestan, Udmurtia, the Komi Republic and others.
Rates on consumer loans without and with collateral were reduced in 2016, these products, as well as enjoy continued popularity.
The focus on the agro-industrial complex is manifested not only in the specialization in financing enterprises in the sector. The bank's mission is to comprehensively and fully serve the population living in rural areas, where, unfortunately, modern remote access technologies are still less developed. In addition, he is more willing to lend to various agricultural producers. If, for example, you decide to make it your business and you do not have enough funds, then Selkhozbank will be the best partner for you. Please note that before you go to the financiers for money, you will need to. Today, no loan, regardless of its status (consumer, development or mortgage) and the amount is issued without this procedure.
Lending for the purchase of housing in "Rosselkhoz" has many features in common with in 2016. There are also loyal conditions for borrowers when buying housing under construction or finished housing from the bank's partner companies.
Deposits of Rosselkhozbank for individuals in 2016
Today, one of the largest banks in the country, included, according to financial market experts, in the TOP-5 domestic financial institutions, offers deposit products to various categories of citizens.
With a variety of formats, there are several advantages inherent in the best of the proposed options:
- the maximum rate can reach 15% per annum;
- minimum placement period 1 month;
- there are deposits with the possibility of replenishment;
- interest is accrued monthly with the possibility of withdrawing and transferring to a card (account);
- the use of capitalization of interest, that is, their calculation according to a complex formula, where interest for previous periods is added to the body of the deposit.
It should also be noted the availability of deposits. The minimum contribution is set at 3 thousand rubles, for pensioners there are preferential terms for the amount, it is 500 rubles.
Another important point is that the bank has created a number of programs aimed at wealthy clients. They offer special conditions for investors wishing to deposit a large amount of 1.5 million rubles or more.
Popular RSHB deposits in detail
For the general population, the bank offers several types of deposits with affordable and loyal conditions.
In the offer line there are several deposits related to the savings type without the possibility of replenishment and partial withdrawal without loss of accumulated interest. Among them are "Classic" and "Golden". In the first of the deposits, the minimum amount is 3 thousand rubles, transferring it to the category of "folk".
Replenishable deposits include "Cumulative", "Save for a dream" and "Maximum savings". Here you can make additional amounts.
The type of settlement can include deposits "Managed" and "Platinum", in the format of which you can not only make contributions to the bank, increasing the body of the deposit, but also make debit transactions while maintaining interest.
Each of these banking products has its own nuances that determine who the deposit is specifically designed for. The main one is the minimum amount.
How to get interest on small money
If you have free 3 thousand rubles, then you can open and receive a stable income on them. Rosselkhozbank provides a number of options for such cases:
- "Classic" for a period of 1 month to 4 years with an increased rate. Interest is paid at the choice of the client, it can be either monthly with crediting to the account or to a plastic card, or at the end of the entire period. The maximum amount is not limited, and funds are accepted in several currencies (rubles, US dollars or Euros).
- "Cumulative" deposit involves a period of 3 to 36 months. It involves an increased interest rate, foreign currency (Euro or US dollars) and Russian rubles. The peculiarity of the deposit is the presence of restrictions on the maximum amount (up to 10 million rubles, and up to 300 thousand in foreign currency).
- The “Save for a Dream” deposit also starts with a deposit of 3,000 rubles or 300 USD or 300 EUR. The limit on the maximum amount is the same as the previous option, the period is 2 years. It provides exclusively for capitalization, which is made monthly, there is no interest on the account.
Middle category deposits
Two proposals of the RSHB should be attributed to this category:
- "Managed", which is aimed at those individuals who wish not only to receive income, but also to relatively freely manage their money. The minimum contribution is set at 10 thousand rubles, 300 Euros or 300 US dollars, the maximum amount is 10 million rubles, 300 thousand in foreign currency. The minimum of additional contributions starts from 5 thousand rubles, and from 150 USD or EUR. A prerequisite for an additional payment is that it must not be made later than 30 full calendar days before the end of the agreement with the bank. Any debit transaction is performed without limits within the body of the deposit with the same interest rate, but this does not apply to the "fireproof" account balance, which is determined by the depositor independently.
- The new version with the romantic name "Amur Tiger" is an improved version of the savings deposit, where there are no restrictions on the maximum amount. The format starts from 50 thousand rubles, is designed for a period of one to two years, as a bonus, the client is issued a card with a reduced rate.
Deposits from 1.5 million
A special type of financial products designed for those who want to profitably invest a large amount of money. RSHB created this line with an emphasis on the fact that a depositor will come to him not only because of his interest in high income, but also because he will be provided with the widest possible range of services:
- The "Golden" deposit is available in both short-term (from 3 months) and long-term (up to 4 years) options, as well as in intermediate versions. The minimum investment amount is 1.5 million rubles, 50 thousand USD or 50 thousand EUR. There are no restrictions on the maximum size, and a relatively high rate is also offered - up to 9.40% in the national currency, up to 3.65% and 2.00% in US dollars and Euros, respectively. Interest is paid either monthly or at the end of the deposit agreement (at the request of the client), in the second version, capitalization is applied.
- The "Maximum savings" deposit has the same threshold for the initial amount, but there are no versions in foreign currency. The terms are from 3 months to 3 years, the maximum rate is set at 8.35%, there is a limit on the maximum amount (up to 150 million rubles).
- "Platinum" is similar to the previous one in terms of validity, but the maximum maximum amount here is set at the amount of the initial contribution multiplied by five. The currency basket and the minimum deposit here are the same as in the "Golden".
Rosselkhozbank deposits for pensioners
Like many other leading domestic financial institutions, RSHB has targeted programs for people of retirement age. The "Pension Plus" deposit has a number of loyal conditions and benefits for this category of citizens:
- the minimum contribution is only 500 rubles;
- rate - up to 6.8% for a period of one year, in case of making a deposit for 2 years, it rises to 7.0%;
- replenishment can be made without restrictions;
- the maximum amount for which the established interest is calculated is 10 million rubles;
- minimum balance - 500 rubles, for everything over, it is possible to carry out debit transactions without loss of interest;
- if desired, you can issue interest payments to a card or other account, or “turn on” their capitalization.
This type of deposit is available only to persons who have reached retirement age, or to those citizens who have been issued a pension certificate of the Pension Fund of the Russian Federation or a document on life maintenance from various state authorities. It can also be issued for a minor child.
Interest on deposits in Rosselkhozbank in 2016 for today
According to experts, with a wide range of deposits, the overall level of profitability of RSHB deposits is in the middle category. A huge plus of the bank, which makes many choose its products, is that the degree of reliability of the safety of funds is incredibly high, because it is wholly owned by the state.
When comparing all RSHB deposits, it should be noted that the most advantageous offer is Classic.
Advice: in order to receive the maximum interest on this deposit format, it must be issued through an ATM or at a bank office for a period of 180 days and without capitalization.
In the line of deposits with a minimum contribution of 1.5 million rubles. "Golden" stands out with the highest yield.
In addition, by concluding an agreement with RSHB for Ultra and Premium packages, which involve special conditions for clients, you can get at your disposal effective bank tools for managing your own finances and higher interest rates.
Rosselkhozbank offers deposits for 2016 on fairly favorable terms, and a large selection of programs makes the bank's products even more attractive. The unstable economic situation last year forced Russians to look for ways to save money, and deposits in reliable institutions remain one of the surest ways to keep money from depreciating. In the article, we will analyze term deposits of Rosselkhozbank, and compare the conditions for placing funds in the bank with the offers of competitors.
Peculiarities
In this bank, you can find deposits for individuals for every taste in rubles and foreign currency: with the possibility of withdrawing funds, replenishing a deposit, with preferential termination and maximum profitability. A social product for pensioners and programs for wealthy clients are also presented. For VIPs, within the framework of premium packages, there are special conditions for deposits with increased rates. Deposits "Classic", "Cumulative" and "Gold" can be issued remotely
SSB programs are distinguished by a low down payment (3,000 rubles, 100 US dollars and euros) and a flexible interest calculation scheme (in this they are similar to the conditions of Sberbank): the client independently decides to withdraw interest or add to the account amount. Bank deposits are distinguished by high rates combined with the advantages of competitors. However, I would like to note that Sberbank wins by offering high early termination rates for almost all programs and accrues maximum interest to pensioners when making any deposit.
The yield on deposits with maximum rates is the highest in Rosselkhozbank, according to programs with replenishment, it is slightly inferior to Gazprombank in rubles, and in US dollars to Alfa-Bank. At the same time, for deposits with the possibility of withdrawing funds, the rates are slightly higher for Gazprombank.
Overview of offers
Maximum income
Igor Pyatigorets Rosselkhozbank
The “Classic” deposit accounted for 30% of the total volume of deposits attracted in 2014. Demand for it is due to attractive conditions. This is one of the Bank's highest ruble deposits in terms of profitability.
The “classic” deposit is suitable for investors who want high profits. It is not allowed to withdraw money or replenish the account before the end of the term, but you can choose the interest payment scheme (at the end of the term, monthly to a separate account or capitalization). You can place money for a period of 31 days to 1460 days, and the highest rate is set subject to payment of interest at the end of the term. The size of the first installment is also pleasing, all basic programs open in the amount of 3,000 rubles, 100 US dollars and euros. It is possible to make a deposit through an ATM or Internet banking.
How about others?
In Sberbank, similar conditions apply with a down payment of 1,000 rubles, 100 US dollars and euros, but the rates are much higher in the Russian Agricultural Bank. In VTB 24, the maximum rate is provided for the Profitable deposit with an individual term and the same interest payment scheme as in the Russian Agricultural Bank, however, it focuses on wealthy clients, so the amount of the first installment here reaches 200,000 rubles, 3,000 US dollars and euros, while that the yield is much better than in RSB.
For the “Perspective” product, interest is accrued at the end of the year and the placement period, the amount of the first installment is quite small (15,000 rubles, 500 dollars and euros), and the yield is lower than in Rosselkhoz. On the Pobeda deposit from Alfa-Bank, the rate is slightly higher than here, however, subject to capitalization and an amount of 1,500,000 rubles or more. The advantage of RSB is that the rate does not depend on the placement amount, and interest can be withdrawn monthly.
Optimal accumulation
For depositors who want to regularly replenish their account, the “Cumulative” deposit is suitable, which can be issued not only at the branch, but also remotely for a period of 91 to 730 days. When replenishing the balance and moving to the next amount range, the rate increases. Interest is capitalized every month or transferred to a separate account.
The Save for a Dream program may be of interest to clients who are saving money to buy a car or real estate. Upon confirmation of the transaction, the termination of the deposit is made on preferential terms. The deposit term is fixed - 730 days, interest is capitalized every month, increasing the final profit.
How about others?
Offers similar conditions. The amount of the additional contribution in Sberbank is slightly less than in Rosselkhozbank, but Rosselkhozbank wins in terms of profitability. On the Accumulative deposit from VTB 24, the yield in rubles is almost the same as in RSB, but in foreign currency it is an order of magnitude lower. Gazprombank offers the “Cumulative” deposit, for which interest in rubles is higher, but in foreign currency it is lower than in RSB. In Alfa-Bank, the Premier deposit is presented with a growing rate, the profitability in rubles on the deposit is higher in the Agricultural Bank, and Alfa wins a little in foreign currency.
Free access to money
The Managed deposit allows you to withdraw money and replenish your account at any time, however, the amount of the first installment under this program is higher than under the previous ones and amounts to 10,000 rubles, 300 US dollars and euros. Interest is also capitalized once a month or paid to a separate account. You can withdraw funds within the minimum balance, which is determined by the client himself.
How about others?
The placement amount is higher than in Rosselkhoz, and the yield is lower, with the exception of programs in US dollars, where the placement amount must be taken into account. In VTB 24 on the “Comfortable” deposit, the rates in rubles are much lower than in RSB, in dollars the yield is the same, and in euros VTB 24 is slightly inferior. In Gazprombank, interest is accrued on the Dynamic deposit at the end of the term and each year, but the rate is higher. In Alfa-Bank, on the “Potential” deposit, the yield in foreign currency is the lowest, and the amount of the additional contribution, on the contrary, is high.
For pensioners
For investors of retirement age, the bank offers deposit "Pension-Plus", which can be issued for a minor child. It is distinguished by flexible conditions, because you can replenish your account in the amount of 1 ruble, and withdraw money is allowed within the minimum balance (at the same time, the minimum placement amount) - 500 rubles. However, if you terminate early, all income will be lost, so it is better to stick to a fixed term (365 and 730 days).
Sberbank has special rates for pensioners for all products, but if we compare the pension program, then Sberbank is inferior in terms of profitability to Rosselkhozbank. VTB 24 and Alfa Bank there are no special programs for pensioners, but Gazprombank has a Pension deposit with a quarterly capitalization. The rest of the placement conditions are approximately the same, but in terms of profitability, RSB wins a little.
For wealthy clients
For wealthy investors, the bank offers programs with the ability to withdraw, replenish and receive maximum income with a first installment of 1,500,000 rubles, as well as deposits within the Ultra and Premium service packages.
The "Golden" deposit can be issued at the bank's office or remotely for a period of 91 to 1460 days, interest in rubles is accrued either at the end of the term or capitalized monthly, or transferred to a separate account, income on deposits in foreign currency is paid at the end of the term. Withdrawing money or replenishing the account is not allowed.
"Maximum savings" in rubles is characterized by a growing rate when moving to the next amount range. Interest is capitalized or paid to the client on a monthly basis. You can open an account for a period of 180 to 730 days. The Platinum deposit is interesting for clients who want to freely manage their finances. It can be issued for a period of 91 to 1095 days, replenishment is possible in the amount of 30,000 rubles, and withdrawal within the minimum balance.
The most favorable conditions and maximum rates can be obtained by issuing premium service packages. For example, the program "Your income" with the highest profitability is available to the owners of the "Ultra" package. It can be opened in the amount of 500,000 rubles, 20,000 US dollars and euros for a period of 91 to 1095 days. Interest is paid monthly or capitalised. “Your Savings” is an account for regular replenishment. Money can be placed for a period of 180 to 730 days, and when additional contributions are made, the interest rate increases.
The product "Your Opportunities" is also available to the owners of the "Premium" package. Interest is paid monthly or capitalized, it is allowed to replenish the account and withdraw funds from the deposit. But the program "Your conditions" is interesting in that it is issued only within 30 days after the conclusion of the contract for the "Ultra" package. The deposit amount is only 50,000 rubles, the term is 31 days, replenishment and withdrawal of part of the funds is allowed. In addition, in case of early termination of the contract, the rate does not change.
Sberbank also has higher rates as part of premium packages, however, the profitability of individuals is higher in Rosselkhozbank. Gazprombank offers a Premium service package, but the conditions can only be found in offices. VTB 24 also presents the Privilege package, within which a line of deposits has been developed, but the conditions can be obtained from your personal manager. In Alfa-Bank, wealthy clients are offered an A + deposit with preferential terms for termination, however, its profitability is inferior to RSB.
At Rosselkhozbank, interest-bearing deposits have become more popular, partly due to the fact that the people got the news that 100% of the voting shares of this bank. For many, it is much more pleasant, and most importantly, more reliable to place their savings in an organization that will not be deliberately bankrupted, but, on the contrary, will be supported in the event of a decrease in liquidity. Again, patriotism - let the income from our money still go to our banks, so to speak - for the good of the country.
In Rosselkhozbank, interest rates on deposits today are very pleasant, and, importantly, deposit programs allow you to receive high interest from minimal amounts. For example, in order to get an income above 10%, in many banks you need to invest at least 1,000,000! And the Rosselkhozbank deposit calculator for 2016 allows you to profitably increase savings from 3,000 rubles.
In this article, we will consider what deposits are in the Rosselkhozbank on the official website for us, ordinary individuals.
"Fabulous Percentage"
A convenient product with a growing interest rate in the line of deposits of individuals in 2016. The promotion "high interest" is valid until 02/12/2016.
Deposit conditions:
- Minimum amount: 3000 rubles
- Term: 540 days
- Interest rate: from 9% to 13%
- Capitalization: yes, at the end of the term
- Refill: not possible
- : not available
Advantages and Features:
The interest rate increases with the maturity of the deposit:
- Up to 180 days - 9%;
- 181-360 days - 11%
- 361-540 days - 13%
Ordinary term deposits in Rosselkhozbank in 2016 are unprofitable in case of early termination. In this case, even if the deposit lies only a third of the term (180 days), you will receive an income of 9% from the Russian Agricultural Bank.
Deposit "Classic"
Deposit conditions:
- Term: from 31 to 1460 days
- Interest rate: from 7.15 to 10.3%
- : yes, at the end of the term or monthly
- Refill: not possible
- Expenditure operations: not possible
Advantages and Features:
Each term has its own interest rate. It is most profitable to invest for 540 days.
Deposit "Cumulative"
- Minimum amount: 3000 rubles / 100 USD
- Term: from 91 to 730 days
- Interest rate: from 7.15 to 8.85%
- Capitalization: monthly
- Replenishment: possible
- Expenditure operations: not possible
- Prolongation: yes, automatic on the same terms
Advantages and Features:
The savings deposit rate depends not only on the chosen period, but also on the amount of savings achieved.
Deposit "Save for a dream"
- Minimum amount: 3000 rubles / 100 USD
- Deadline: 730 days
- Interest rate: fixed 8.85% - in rubles; 2.6% in dollars; 2.1% in EUR
- Capitalization: monthly
- Replenishment: possible
- Expenditure operations: not possible
- Prolongation: yes, automatic on the same terms
Advantages and Features:
The easiest to understand fixed rate deposit.
Deposit "Managed"
- Minimum amount: 10,000 rubles / 300 USD
- Term: from 180 to 730 days
- Interest rate: from 7.75% to 8.1%
- Capitalization: monthly
- Replenishment: possibly from 5000 rubles.
- Expenditure operations: possible
- Prolongation: yes, automatic on the same terms
Advantages and Features:
This deposit is intended for those who intend to seriously save, but admits the possibility that the money may be needed at any time. The size of the minimum balance is determined by the client himself.
Deposit "Pension Plus"
In Rosselkhozbank, deposits of individuals in 2016 are very attractive for pensioners. Other banks, for unknown reasons, try to make a minimum percentage for such products. This contribution is truly worthy of respect, partly because the rate is fixed and easy to understand for older people.
Terms:
- Minimum amount: 500 rubles
- Term: 365 or 730 days
- Interest rate: 8.35% or 8.85%
- Capitalization: monthly
- Replenishment: possibly from 1 rub.
- Expenditure operations: possible
- Prolongation: yes, automatic on the same terms
This is the simplest and most profitable pension deposit in Rosselkhozbank. What percentage you will receive depends on the term of the deposit, of which there are only two: 1 year and 2 years.
Deposit "Golden"
For those who have big money.
- Term: from 91 to 1460 days
- Interest rate: up to 11% in rubles, up to 3.45% in dollars, up to 2.65% in euros.
- Refill: not possible
- Expenditure operations: not possible
Advantages and Features:
For those who want to open deposits in the currency of individuals in the Russian Agricultural Bank in 2016 - at this rate you will receive the highest possible percentage.
Deposit "Maximum Savings"
Another product for large investments with the possibility of replenishment.
- Minimum amount: 1,500,000 rubles
- Term: from 180 to 730 days
- Interest rate: up to 9.65%
- Capitalization: monthly
- Replenishment: possible
- Expenditure operations: not possible
Advantages and Features:
Opened only in rubles. The interest rate increases when moving to a new sum category.
Deposit "Platinum"
- Minimum amount: 1,500,000 rubles/50,000 c.u.
- Term: from 91 to 1095 days
- Interest rate: up to 8.45% in rubles, up to 1.7% in dollars, up to 1.05% in euros.
- Capitalization: monthly or at the end of the term
- Replenishment: possibly up to five times the initial deposit
- Debit transactions: allowed
- Prolongation: yes, subject to capitalization of interest at the end of the term.
Advantages and Features:
Platinum status was assigned to this type of deposit for full management capabilities: withdrawal and replenishment. Relevant for those who keep large foreign currency deposits in the Russian Agricultural Bank: in the event of a sharp jump in the rate down, money can be withdrawn urgently ahead of schedule.
Deposit "On Demand"
Standard termless deposit with an interest rate of 0.01% per annum. Similar to Sberbank with a minimum amount to open 10 rubles. Some deposits of individuals in 2016 are available for opening in the Internet bank and ATMs of Rosselkhoz.
