CONTRIBUTION | TERM (DAYS) | PAYMENT OF INTEREST | REPLENISHMENT | PREFERENTIAL TERMINATION |
PARTIAL REMOVAL |
MAXIMUM ANNUAL RATE (%) |
||
1. State Insurance VIP | 91 – 732 | at the end of the deposit term | – | – | – | 7,60 | 1,50 | 0,50 |
2. Gosstrakhovsky | 91 – 732 | at the end of the deposit term | – | – | – | 7,50 | 1,40 | 0,40 |
3. Cumulative | 367 – 367 | monthly, by transfer to the current account or depositor's account opened with the Bank | + | + | – | 7,00 | 1,20 | 0,30 |
4. Universal VIP | 367 – 367 | monthly | + | – | + | 6,80 | 1,00 | 0,25 |
5. Universal | 367 – 367 | monthly | + | – | + | 6,70 | 0,90 | 0,15 |
6. Investment | 91 – 367 | at the end of the deposit term | – | – | – | 8,50 | – | – |
7. Retirement income | 181 – 732 | monthly by transferring to the current account or to the SCA of the Depositor opened with the Bank | + | – | – | 7,20 | 1,30 | 0,35 |
Benefits of ROSGOSSTRAKH BANK deposits:
Deposit term (days) | 91-180 | 181-366 | 367-732 | |
---|---|---|---|---|
CURRENCY OF DEPOSIT | CONTRIBUTION AMOUNT | ANNUAL INTEREST RATE, % | ||
from 1 000 000 | 7.10 | 7.60 | 6.60 | |
$ | from 15 000 | 0.50 | 1.50 | 1.50 |
€ | from 15 000 | 0.20 | 0.50 | 0.50 |
Deposit conditions:
Terms of return on investment:
Deposit term (days) | 91-180 | 181-366 | 367-732 | |
---|---|---|---|---|
CURRENCY OF DEPOSIT | CONTRIBUTION AMOUNT | ANNUAL INTEREST RATE, % | ||
Ρ | from 5 000 | 7.00 | 7.50 | 6.50 |
$ | from 100 | 0.40 | 1.40 | 1.40 |
€ | from 100 | 0.10 | 0.40 | 0.40 |
Deposit conditions:
Terms of return on investment:
Deposit term (days) | 271 | 367 | |
---|---|---|---|
CURRENCY OF DEPOSIT | CONTRIBUTION AMOUNT | ANNUAL INTEREST RATE, % | |
from 5 000 | 6.90 | 7.00 | |
$ | from 100 | - | 1.20 |
€ | from 100 | - | 0.30 |
Deposit conditions:
Interest rate scale when terminating a deposit:
CURRENCY | DEPOSIT AMOUNT* | ANNUAL INTEREST RATE FOR EARLY TERMINATION DEPENDING ON THE ACTUAL DEPOSIT TIME |
|||
up to 90 | 91-180 | 181-270 | 271-366 | ||
---|---|---|---|---|---|
Russian ruble, | from 5,000 to 100,000 | 0,10% | 5,00% | 5,50% | 6,00% |
from 100,001 to 450,000 | 0,10% | 5,25% | 5,75% | 6,25% | |
over 450 001 | 0,10% | 5,50% | 6,00% | 6,50% | |
US dollar, $ | from 100 to 3 500 | 0,10% | 0,10% | 0,25% | 0,50% |
from 3,501 to 15,000 | 0,10% | 0,25% | 0,50% | 0,75% | |
over 15 001 | 0,10% | 0,50% | 0,75% | 1,00% | |
Euro, € | from 100 to 3 500 | 0,10% | 0,10% | 0,10% | 0,10% |
from 3,501 to 15,000 | 0,10% | 0,10% | 0,10% | 0,15% | |
over 15 001 | 0,10% | 0,10% | 0,15% | 0,20% |
Terms of return on investment:
Deposit term (days) | 367 | |
---|---|---|
CURRENCY OF DEPOSIT | CONTRIBUTION AMOUNT | ANNUAL INTEREST RATE, % |
from 1 000 000 | 6.80 | |
$ | from 15 000 | 1.00 |
€ | from 15 000 | 0.25 |
Note: In cases established by the legislation of the Russian Federation, income tax is withheld from the amount of income individuals.
Deposit conditions:
Terms of return on investment:
Deposit term (days) | 367 | |
---|---|---|
CURRENCY OF DEPOSIT | CONTRIBUTION AMOUNT | ANNUAL INTEREST RATE, % |
from 30,000 to 299,999 | 6.60 | |
from 300 000 | 6.70 | |
$ | from 500 to 4 999 | 0.80 |
from 5 000 | 0.90 | |
€ | from 500 to 4 999 | 0.10 |
from 5 000 | 0.15 |
Note: In cases established by the legislation of the Russian Federation, personal income tax is withheld from the amount of income.
Deposit conditions:
Minimum balance - the smallest allowable amount for opening a deposit, is set at the time of the conclusion of the deposit agreement and does not change upon prolongation.
Terms of return on investment:
Only the amount of the deposit is insured by the Deposit Insurance Agency, the amount of the share(s) is not subject to insurance. Note: In cases established by the legislation of the Russian Federation, personal income tax is withheld from the amount of income.
Deposit conditions:
The deposit is opened to clients subject to the simultaneous execution of an accumulative and / or investment insurance of life (hereinafter referred to as NSZH and ISZH) with LLC “ Insurance Company"Rosgosstrakh-Life" or subject to the simultaneous acquisition of a share (shares) of a mutual fund managed by Savings Management LLC. If the investor has a previously acquired share (shares), the agreement bank deposit is concluded when the investor acquires an additional share (shares) for an amount equal to or greater than the amount of the deposit.
Sources:
Deposits in Rosgosstrakh Bank are special programs that help people protect and increase their savings, or start saving, if previously home circumstances did not allow this.
Today, Rosgosstrakh Bank's deposit line includes seven programs, including ruble and foreign currency accounts, deposits for pensioners and insurance policy holders, as well as standard options. Wanting to open one of the deposits in the Rosgosstrakh bank, a person must first familiarize himself with all the options. What deposits does Rosgosstrakh Bank offer in 2018?
Terms and interest on deposits are very different. Rosgosstrakh offers special and standard options, but you need to look not only at profitability, but also at comfort and the possibility of maintaining a deposit account.
This is the most profitable option for depositors, as the deposit has high interest rates. But in order to receive a large percentage, a person must invest well, because the minimum for opening here is 1,000,000 rubles, 15,000 dollars / euro. Incoming and outgoing transactions are prohibited, and interest is accrued at the end of the term, according to rate:
The conditions of this deposit account are fully the same as the above program, with the exception of down payment. Here the requirements are more loyal - from 5,000 rubles, from 100 dollars / euros. Due to changes in these conditions, the Gosstrakhovsky deposit has slightly reduced rates:
The contribution of Rosgosstrakh is designed for people who want to constantly put personal savings into the account small amounts, since the deposit account can be replenished for the entire period, except for the last 3 months. A ruble account is opened for a period of 271 or 367 days, and a foreign currency account is opened only for a year.
To open, you need to deposit a minimum of 5,000 rubles, 100 dollars / euros. It is not allowed to withdraw money from the deposit before the end of the term, but they are paid monthly interest according to the rate:
In case of early termination of the deposit, the interest rate will be set on an individual basis, depending on the actual time spent by the funds in the bank and the amount on the deposit. Updated figures can always be found on the official website of the bank.
Rosgosstrakh offers customers a replenishable deposit. It is for wealthy people and has such conditions:
Rosgosstrakh Bank offers such deposit rates:
The conditions are duplicated according to the deposit Universal VIP, except for the minimum amount together with the minimum balance and interest rates, presented in the table:
An investment or accumulative life insurance policy must be purchased by a person from the partners of Rosgosstrakh Bank in order to be able to open this deposit account with the highest interest rate. The deposit can only be opened in rubles, and the minimum amount will depend from the view insurance policy and the amount of the award:
Deposit Double benefit non-replenishable, non-expendable and interest accrues at the end of the term, on which the rate depends:
Validity (days) | Interest rate |
---|---|
91 | 6.9% |
181 | 6.9% |
367 | 5.95% |
For pensioners who do not regret withdrawing money from a deposit in Rosgosstrakh Bank, but only want to increase the balance through contributions, this is the most profitable option. The terms of the investment are as follows:
Interest rates on the deposit Retirement income are quite high:
Rosgosstrakhbank provides an opportunity to place a term savings deposit in national currency without the possibility of increasing the principal amount and withdrawing money in a partial amount. You can open a deposit only within the framework of a comprehensive program - with the simultaneous execution of a policy of accumulative and / or investment life insurance.
Features of deposits. When placing a deposit with Rosgosstrakhbank, the client needs to pay attention to the following features of the program:
How to open a deposit? You can place a deposit in Rosgosstrakhbank only when you visit the branch. The list of the Bank's divisions that provide an opportunity to issue an investment product and an accompanying deposit is presented on the official website. When concluding an agreement, the client must have with him a general passport or other identity document, for example, a serviceman's certificate or a temporary identity card of a citizen of the Russian Federation. On the Bank's website, you can fill out online application for a preliminary phone consultation.
Closing the deposit and returning the money. The deposit in Rosgosstrakhbank is closed on the last day of the term of the agreement at the request of the client, while the principal amount and accrued interest are returned. If the deposit is not claimed, it is extended at a lower interest rate. The client can close the deposit ahead of schedule, in case of premature termination of the agreement, the accrued interest is recalculated at the minimum interest rate.
Deposits in the Rosgosstrakh bank will help to preserve and increase your capital. To receive passive income in Rosgosstrakh Bank in 2019-2020, relevant three options: open the Double Benefit deposit ( 8,5% ), use the plastic "Profitable card" ( 7,25% ) or " Retirement card» ( 5,5% ). Let's look at current terms and interest for individuals. You can calculate the potential income on a convenient online calculator.
Important information: You can get advice and assistance in choosing by calling hotline Bank Rosgosstrakh. If after reading our review you still have questions or are not sure, which deposit to give preference, call the contacts listed at the end of the article.
Choosing a bank to increase Money, you need to focus not only on the interest rate and term, but also on reputation financial institution.
Advantages of Rosgosstrakh:
The deposit provides a worthy passive income due to the high interest rate 8.5% per annum. The maximum income is possible with life and health insurance.
This means that additional profit from the placement of savings can be obtained by concluding an agreement funded or investmentlife insurance.
Basic terms of the deposit:
To make a bank deposit, it is enough to provide one document - a passport of a citizen of the Russian Federation.
Design algorithm: