In 2017, AOA " ASB Belarusbank» provides the opportunity for its clients to open deposits V foreign currency, among which: US dollar, euro, Russian ruble. As well as the bank's product line foreign currency deposits divided into urgent and on demand. See below for details on rates and conditions.

A deposit program that can be purchased by users. They are issued only in dollars and euros. Investors can buy bonds at any time of the day, and without any commissions. The purchase can be made both in foreign currency and Belarusian rubles. In addition, you will not pay taxes on the profits received, since in fact this is not a standard deposit. You will be charged an interest rate of 3.5% on the bond amount.

Internet deposit - revocable trend

A standard deposit program that you can open in Russian rubles, dollars or euros. The program can be accessed without visiting a bank branch, using the Internet banking service of Belarusbank. At your discretion, you can open a deposit from 3 to 23 months, the interest rate will depend on the deposit term you choose. In addition, you will have the opportunity to terminate the deposit early, if necessary.

In Dollars or Euros In Russian rubles

Internet deposit - irrevocable trend

The deposit is completely similar to the previous one, except that it cannot be terminated early. In addition, it will have higher rates.

In Dollars or Euros IN Russian rubles

Classic revoked up to a year

Under this offer, the possibility of replenishment and early termination of the contract is available, opens in foreign currency. There is a possibility of extension, but no more than 2 times. This offer can be issued at a bank branch or representative office.

In Dollars or Euros In Russian rubles

If this offer is opened for more than a year, then the following conditions will apply to you:

In Dollars or Euros In Russian rubles

Classic irrevocable for up to a year

A standard deposit, which is identical in parameters to a revocable deposit, only without the possibility of early termination. Like the previous one, it opens at bank branches when the client contacts and submits an application. You will need to have a passport or identity document with you, the original is required.

In Dollars or Euros In Russian rubles

Also, the same deposit can be opened for more than a year, for such deposits the interest rates in 2017 will be different:

In Dollars or Euros In Russian rubles

On demand in foreign currency, only 2 options are available for registration.

Demand or savings

You can open such a deposit in foreign currency only in dollars or euros. A savings deposit allows you to accumulate funds and at the same time perform various replenishment, partial or complete withdrawal operations with them. It has no expiration date; it will be valid as long as you have the minimum amount left in your account, which is equal to the opening amount of the deposit.

Current accounts

The ability to accumulate funds for current account holders; regardless of the account currency, you will receive interest on the balance of funds. You can open it even with a zero balance.

When saving money at home, inflation eats up a large share of savings, and there is a temptation to buy something that is not particularly necessary with this money. To prevent this from happening, you can open a savings deposit in a banking organization, and thereby save and even increase your financial resources. But for this you also need to find a suitable bank.

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What is this

Savings deposit is bank investment, intended for the constant accumulation of money for large acquisitions.

A special feature of the investment is that the account can be replenished small amounts, in addition, you can partially withdraw funds. All deposits and withdrawals are shown in your savings account. Savings books can be used to record actions.

Terms of accommodation

Savings accounts, like demand investments, do not have a specific storage period. At the same time, withdrawals are tracked. For savings investments, a certain time is assigned for advance notification of the bank about future withdrawals.

The length of such time can vary from a week to 90 days. Moreover, the longer the notification time, the higher the interest on the investment. Often banking organizations limit the number of withdrawals from the account or set limits partial withdrawal and minimum account balance limits.

Which banks offer Savings deposits?

Savings deposit offered different banks Russia: Sberbank, VTB 24, Belarusbank and other organizations. In foreign currency, Belarusbank offers to open a Savings (Revocable) deposit in dollars or euros.

The smallest investment amount is from 100 dollars, euros. Money can be deposited for a period of 36 months. There is no fixed interest rate.

Anyone can open a savings account from Sberbank of Russia Russian citizen. You can make a deposit in rubles, euros or dollars with additional contributions. There are no restrictions on the deposit amount, and there is no limit on the first payment.

This investment has no time limit. It all depends on the desire of the depositor - for how long he wants to put his money in the bank, so it will be. Moreover, over time, you can decide when the investment will be opened.

When performing natural-expenditure activities, a savings account provides for cash and non-cash payments. You can deposit money into your account in cash, although it is recommended to do such transactions non-cash.

Tariffs in rubles

Bank, deposit	Bid	Sum	Time
Sberbank	From 2.3%	From 30 to 2 million rubles.	Not limited
VTB 24, Optimal choice	9 %	From 30 thousand rubles.	Half a year, 181, 545 days
Express Volga Bank, Savings +	14 %	From 1000 rub.	From 360 days
MKB, Savings +	9,72 %	From 1000 rub.	Up to 190, 191 and 380 days
Guta Bank, Guta Classic	From 7.75 to 11.25%	From 5 thousand rubles.	From 91 to 1825 days
Gazenergobank	9,5 %	From 10 thousand rubles.	360 days
Metallinvestbank, Savings	11 %	From 10 thousand rubles.	From 1 to 36 months.
Center invest	10 %	From 100 thousand rubles.	3 years
Citibank	6,5 %	from 2500001 rub.	From 12 months

Tariffs in foreign currency

The interest rate on Sberbank savings investments is low. It does not allow you to open an account with the goal of receiving additional profit when there is no significant amount money.

If the main part of Sberbank’s investments provides for the accrual of interest depending on the amount and account of the investment, then the savings account has a slightly different system for accruing interest.

Rates on Sberbank ruble accounts range from 1.5 to 2.3% per year, euro and dollar accounts - from 0.2 to 1.15%. So, for example, the smallest ruble account rate works in the situation if the account contains up to 30 thousand rubles, and the highest – 2 million rubles.

On a dollar account, the smallest rate is assigned if the deposit has an amount of up to a thousand dollars, and the largest - from 100 thousand dollars. The same applies to accounts in euros.

VTB 24 offers the “Optimal Choice” savings deposit. Under this program, the interest rate depends on the duration of the agreement: the longer it is, the lower the rate. The first six months the rate is 9%, and from 181 to 545 days - 5% per year.

The smallest amount needed to open an account is 30 thousand rubles, and the amount additional contribution must be at least 1 thousand rubles. The client can receive the interest accrued from the investment monthly or at the end of the term, and they can be transferred to a card or bank account.

The “Savings +” deposit, which is offered by Express Volga Bank, has the smallest investment amount from 1000 rubles, 100 dollars or 100 euros. You can invest money for a period of 360 days. Monthly interest

for the ruble they are 14%, for the dollar and euro – 4.5%. Moscow credit bank

offers a “Savings +” deposit opened at a rate of up to 9.72% in an amount of 1000 rubles. and for up to 190, 191 and 380 days.

In Guta Bank you can open a Guta Classic deposit from 5 thousand rubles, in dollars and euros - from 100, for a period from 91 to 1825 days. You can make an investment in rubles at 7.75-11.25%. Replenishment is not provided. Interest is paid every month or at the end of time.

Gazenergobank offers deposits at rates of 9.5% in rubles and 2.25% in dollars or euros. You can deposit from 10 thousand rubles into your account. and from 150 dollars, euros. Metallinvestbank offers to open a Savings deposit in rubles, dollars, euros for a period of 1 to 36 months. The smallest deposit amount is from 10,000 rubles for

individuals , the highest interest rate on a deposit is up to 11.00% per year. At Center Invest Bank you can open a savings investment for 3 years at an interest rate of 10% and with

minimum contribution

from 100 thousand rubles.

Citibank offers a progressive savings account Plus in rubles and dollars for a period of 12 months. The smallest deposit amount is from 2,500,001 rubles for individuals, the highest investment rate is up to 6.5% per year.

Video: Affordable Investments

Interest rate

Interest is usually accrued at the end of the term. Interest rates on savings investments are the highest - 0.25-0.5% higher than on savings investments, and 1-1.5% higher than on settlement ones.

Interest on deposits in rubles

Interest on deposits in foreign currency

How to apply?:

• The savings account is intended for use by individuals only.
• Sign the agreement to open an account and deposit it the required amount financial resources.

Banks also provide individuals with the opportunity to open a savings account via the Internet - on the website of a banking organization.

Peculiarities

A savings investment is not created by a parallel deposit and can increase due to constant or inconsistent deposits of the same or different amounts over time.

The peculiarity of savings accounts is that they can be returned immediately after the message or at the end of the appointed time. The liquidity of savings investments is also reflected in the fact that withdrawal of the deposit in exceptional situations is very likely even without the implementation of a preliminary notification interval.

Income calculation

The annual return as a percentage represents the deposit rate, savings account or other form of investment.

To calculate this ratio, you need to know how often interest accrues to your savings account.:

• To do this, follow these steps
• Divide the annual rate by the frequency of interest payments per month.
• Add 1 to the result.
• Multiply the indicator by a factor equal to the frequency of profit deposits.
• Calculate 1 from the result won.

Multiply the result by the account size.

Law on compensation of savings deposits of the USSR

Since 1996, the Russian Federation has been implementing a program to compensate for money lost by the population due to the collapse of the USSR, as well as depreciated during inflation. Compensation is credited to budget funds and paid at the cash desks of Sberbank, where there is data on Soviet depositors.:

• Such people can apply for compensation
• Holders of savings books received before July 20, 1991 at Sberbank and closed during 1992-2014. or still functioning.
• Heirs of dead investors based on a will under an account or an inheritance certified by a notary.

Third parties who buried the account holder. It's no secret that everyone has at least one issued loan: many of us are accustomed to living “on credit.” However, recently financial literacy population is growing: we are starting to look for other options for optimizing and replenishing our budget. Getting more and more popular foreign currency deposits

in Moscow. By converting savings into foreign currency, they protect against capital depreciation, and through interest payments, they allow you to generate income.

If you decide to open a foreign currency deposit in Moscow, then do not rush to take your money to the first bank that promises a big income due to the most high stakes on deposits in foreign currency. In fact, in order to assess the level of profitability of a deposit, you need to study all the nuances of its functioning:

1. You give the bank your savings (a minimum limit is set for each deposit) for a certain period (there are options for permanent deposits, which can be closed at any time).
2. During this period, the bank is not only guaranteed to keep your savings in a specified currency, but also actively uses them as part of its capital.
3. As soon as you want to withdraw money, the bank takes it out of its circulation and gives it to you with interest in the deposit currency.

As a result, foreign currency deposits in Moscow banks should be considered as a set of conditions such as amount, term and interest, which can be obtained precisely because the bank has the opportunity to use the amount on deposit within a certain period. Therefore, the more comfortable the conditions of your multi-currency deposit in Moscow or a deposit in one foreign currency for the bank, the more high interest rates on deposits in foreign currency you can receive.

Accordingly, high interest rates on foreign currency deposits in Moscow imply some restrictions for the client:

• since the bank has already planned that it will use your money for a certain period, it establishes a ban on closing the deposit before this period;
• if suddenly the deposit is open-ended, then the bank still sets a period during which it must be notified about the closure so that it can painlessly get the required amount from circulation;
• During the term of the agreement, you cannot withdraw part of the money placed on the deposit.

For compliance with these conditions, the bank pays the highest interest rates, but for violation it can reduce the initial rate to the minimum possible. Therefore, carefully evaluate your financial capabilities before opening a deposit.

Which bank in Moscow is better to open a deposit in foreign currency?

To open a multi-currency deposit or a deposit in one foreign currency, you will have to spend some time searching and collecting all the necessary information on the options presented on the market (Sberbank, VTB, and almost all Moscow banks work with deposits in foreign currency).

To find and choose your most profitable option deposits of individuals in foreign currency in Moscow as quickly as possible and without extra effort, use special online deposit calculators for foreign currency deposits in Moscow. To suit your individual requirements, which you enter into the appropriate form, the system will select and display full list suitable options deposits 2020.

As a result, in one place for each current deposit option you will receive the following information:

• validity period of the deposit;
• interest rate (per year);
• final income (for a specified period: usually a year).

You can quickly make the right and informed choice, and then immediately submit an online application for a deposit in foreign currency and proceed to registration.

Every more or less financially literate person knows that free funds should not lie idle. Money must be invested, it must always be in circulation, otherwise there is a chance of losing it due to inflation. People who are confident and not afraid of risk prefer to make money from stock trading. Cautious citizens are looking for less risky opportunities to increase their capital. One of the options for careful but stable income is deposits.

Most residents of the Republic of Belarus prefer Belarusbank deposits. This is due to the fact that:

• The bank offers a wide range of deposits on different conditions;
• People trust the financial institution, because it is the oldest bank in the Republic with a positive reputation;
• Investments allow you to receive passive income, without risks.

Let's look at the bank's main offers.

Current deposits in Belarusian rubles

Investments in national currency have high interest rates. This is done to protect depositors' funds from inflation. Below you can see the bank's current offers.

"Spring (version 2.0)"

The contract is concluded for a period of 3.5 months. The minimum deposit amount starts from 500.00 BYN. rub. at a rate of 9.35% per annum. The depositor has the opportunity to replenish the deposit account only in the first month after the conclusion of the agreement. After this time, account replenishment is not provided. Automatic contract extension and expense transactions are not provided. The client can close a deposit account early only with the approval of the bank.

Main advantages of the offer:

• Increased rate;
• Possibility to open an account for a third party;
• Interest capitalization;
• Possibility to top up your account in the first month of signing the contract.

The bank offers fixed rate on deposit equal to 9.4% per annum. The deposit amount to open a deposit must be at least 500 BYN. rub. You can top up your account in the first month of opening a deposit, after which no additional funds are provided.

Advantages of the deposit:

• High interest rate;
• Possibility of remote control;
• It is possible to replenish the account in the first month after opening;
• Capitalization of deposit remuneration;
• Refunds of money and earned interest are made to the client’s card.

The client can do any operations (opening, closing, management) on a savings deposit in Belarusian rubles in Belarusbank independently via the Internet. You can certify printed documents, issue a power of attorney and perform other actions in the departments financial institution.

"Classic Irrevocable Spring"

Funds under the terms of the agreement are deposited for 6.5 months without the possibility of withdrawal or partial withdrawal. The minimum deposit amount is 500.00 BYN. rub. You can top up your deposit within 3 months from the date of its opening. There is no provision for renewal of the contract by default.

Advantages:

• High interest rates - 9.7% per annum;
• Capitalization of income;
• Possibility of replenishment, but only in the first 3 months.

Please note that the terms of the agreement, namely the rate, can be changed at the initiative of the financial institution, but after prior notification to the client.

The deposit period is at least 6.5 months. The amount of contribution to the account cannot be less than 500.00 BYN. rub. The yield is 9.8% per annum, but may be changed by the bank after notifying the depositor. Spending invested funds before the end of the contract is prohibited.

Advantages:

• Remote account management;
• Account replenishment is possible 3 months after signing the contract;
• Automatic addition of interest to the deposit amount - capitalization;
• After the expiration of the agreement, the deposit amount and interest on it are transferred to the client’s card.

"Classic Irrevocable Children"

This is one of the most profitable deposits in Belarusian rubles at Belarusbank. There are several storage periods to choose from - 3, 4 and 5 years at 10.3%, 10.4% and 10.5% per annum, respectively. The minimum amount required to open an account is 200.00 BYN. rub. You can deposit additional funds into your account throughout the entire period, with the exception of the last 3 months.

Advantages:

• High profitability;
• The deposit is opened in the name of a minor by a third party, regardless of family ties;
• The account is replenished;
• At the end of each month, interest is capitalized.

Rates may change at the bank's initiative, up or down, but after prior notification to the client. Early dissolution possible by agreement of the parties.

"Classic Irrevocable for 1 year"

The minimum amount to open an account is 100.00 BYN. rub. at a rate of 7.5%. During the term of the contract, the rate does not change. Shelf life Money- 1 year. Replenishment, spending of funds and automatic renewal of the contract are not provided.

Advantages:

• Fixed rate;
• Possibility to open an account for a third party.

“Internet – Deposit – Trend Revocable”

The deposit can be opened for 1, 3, 6 or 9 months at rates of 2, 3, 5 and 6% per annum. The rate changes at the initiative of the financial institution. The minimum amount for opening a deposit is 50.00 BYN. rub. The account can be replenished in an amount of at least 10.00 BYN. rub.

Advantages:

• Remote account management;
• Replenishment;
• Return of deposited funds and earned interest is carried out to the client’s card;
• Capitalization;
• Early termination (in this case, the bank recalculates accrued interest at a reduced rate).

You can deposit money for a period of 1 month at 3.5%, for 3 months at 5%, for 6 months at 6%, for 9 months at 7.5% or at 8% on special conditions for members of Card Clubs. Blanche" and #start. The minimum amount to open an account must be 50.00 BYN. rub. Termination of the contract before the prescribed period is not provided. Expense transactions are possible within the range of capitalized interest.

• Remote control;
• Possibility of depositing additional funds;
• Deposit with capitalization of accrued interest;
• Refunds of money and interest are carried out to the client’s card.

After notifying the client, the interest rate on a deposit with Belarusbank can be changed unilaterally.

"Free choice"

The minimum amount required to open a deposit is 500.00 BYN. rub. You can place funds for 11 months at 9% per annum or for 2 years at 10.5% per annum. In the first case, you can top up your account throughout the entire period, in the second case – only for the first year. In the first case, the investor receives interest at the end of each month, in the second case - at the end of the contract. The rate may change at the initiative of the financial institution.

• Along with opening an account, the client receives several products ( international map, connection to Internet banking services, overdraft);
• Return of deposit to the card;
• Possibility of replenishment.

“Classic revocable for 35 days”

The minimum deposit amount is 150.00 BYN. rub. at a rate of 1% per annum. Account replenishment is not provided for under the terms of the agreement, but automatic extension of the agreement is possible. The storage period for funds is 35 days.

Advantages:

• Fixed rate;
• Renewal of the contract by default, but not more than 6 times;
• Possibility to open a deposit for a third party.

"Classic Reviewed up to a year"

You can deposit money for a period of 95 and 185 days at a rate of 1.5% and 2.5% (rates are not fixed and can be changed by the bank). The deposit amount cannot be less than 150.00 BYN. rub. The deposit account can be replenished without restrictions.

Advantages:

• You can open an account for a third party;
• Replenishment;
• Capitalization;
• Automatic contract renewal with a storage period of 95 days.

"Classic Irrevocable up to a year"

The minimum amount required to open a deposit is 150.00 BYN. rub. Money can be placed for 3 months at 3.2%, for 6 months at 5.2%, for 9 months at 6.9% or at 7.9% within the Velvet club. If money is placed for a quarter, the bank offers a fixed rate, but in other cases it may change after prior notification to the client.

Advantages:

• Possibility of opening an account in the name of a third party;
• Unlimited replenishment;
• Capitalization.

Each client can calculate the profitability of a deposit in Belarusian rubles in Belarusbank using the calculator posted on the website. To do this, you must enter data into the program about the deposit amount, currency, deposit period and name of the deposit.

"Classic Irrevocable for over a year"

To formalize a deposit agreement, you must deposit a minimum of 150.00 BYN into the account. rub. There are two accommodation options available:

Features and Benefits:

• High stakes;
• Possibility of replenishment on the terms specified in the contract;
• Capitalization of income at the end of each month.

Rates may be changed at the initiative of the bank.

"Classic Postal Review"

The deposit amount cannot be less than 100.00 BYN. rub. Funds are placed for a period of 12 months at 5.5% per annum. Interest is not capitalized and is paid at the end of the term.

Peculiarities:

• This deposit can only be issued at branches of RUE Belpochta, which have the authority to accept cash and enter into deposit agreements on behalf of JSB Belarusbank;
• Expense transactions on the account are not provided;
• Early termination is possible at the demand rate.

"Pension"

People who have reached retirement age, people who have not reached retirement age but are eligible to receive a pension, and WWII veterans can place money under these conditions. After opening a deposit account, to it, in non-cash, a pension will be received, on which 0.5% per annum will be charged.

Advantages:

• The deposit is unlimited;
• The account can be replenished in any amount during any period of the contract;
• It is allowed to make debit transactions on the account without losing interest.

"Care"

A deposit in Belarusian rubles of Belorusbank created specifically for orphans and children left without parental care. The minimum amount for placement is 0.01 BYN. rub. at 0.5% per annum.

Advantages:

Only legal guardians or persons legally entitled to perform the relevant duties can open an account under these conditions.

"Poste restante"

Has no shelf life. The minimum placement amount is 1 BYN. rub. at 0.5%. According to the terms of the agreement, incoming and outgoing transactions are allowed.

Peculiarities:

• Suitable for saving savings;
• Can be opened to 3rd person.

It is possible to open an account without depositing cash. Money in the account is placed at 0.5% per annum. The deposit has no specific terms. Clients can deposit and withdraw funds an unlimited number of times.

Current deposits in foreign currency

People who think for the future prefer to store available funds in foreign currency. This allows you to get double profits:

• Earn interest on placing a deposit;
• Make money on changes in the exchange rate (if the fluctuation is in favor of the investor).

At Belarusbank, foreign currency deposits are represented by a wide variety. Let's consider everything current offers financial institution.

“Internet – Deposit – Trend Revocable” ($, €)

The account can be opened in euros or US dollars for a period of 3, 6, 12, 18, 23 months. Charges on an account opened in dollars are 0.8%, 1%, 1.5%, 1.6%, 1.7%. Rates for deposits in EU currency are 0.3, 0.35, 0.4, 0.45, 0.5. The minimum amount required to conclude an agreement is 100 dollars or 100 euros.

Advantages:

• Remote control;
• There is no prohibition on performing income and expense transactions;
• The return of invested funds is carried out to the card.

According to the terms of the contract, deposit rates can be adjusted at the initiative of the bank, but after notifying the client about this.

“Internet – deposit – Trend Revocable in Russian rubles”

A deposit account is opened in Russian rubles for a period of 3 to 23 months at 2.6%, 3.1%, 3.9%, 3.95%, 4%. How longer term deposit, the higher the offered rate. The amount of contribution required to conclude an agreement is at least 3,000 Russian rubles.

Advantages:

• Account management via the Internet;
• Account replenishment (minimum amount for replenishment is 500 rubles);
• Refunds are made to the card;
• Expense transactions are provided.

The rates under the agreement are not fixed and can be changed by the bank.

“Internet – deposit – Trend Irrevocable” ($,€)

Opening a deposit account is possible in $ and € for a period of 3,6,12,18,23 months. Wherein minimum bid for a dollar deposit is 1%, and the maximum is 2%. For an account in euros, the minimum rate is 0.8%, the maximum is 2%. The longer the deposit term, the higher the offered rate.

Peculiarities:

• Remote control;
• Possibility of carrying out incoming transactions;
• The use of funds is permissible within the range of capitalized interest;
• Refunds are possible to the card.

Another Belarusbank deposit in Russian rubles. It is proposed to place Russian rubles for 3, 6, 12, 18, 23 months. According to the terms, the minimum rate is 4.6%, the maximum is 8% per annum. The initial amount for placement cannot be less than 3,000 Russian rubles.

Advantages:

• Remote account management via the Internet;
• Unlimited replenishment;
• Automatic addition of interest to the principal amount at the end of each month;
• Return of placed and earned funds to the card.

“Deposit Classic Revocable up to a year” ($,€)

You can place money in the account for a period of 95 or 185 days at 0.2 and 0.4% per annum. The down payment cannot be less than 100 $ or €.

Peculiarities:

• Possibility of replenishment;
• Capitalization of earned interest;
• Possibility of automatic extension if the contract is concluded for 95 days;
• The rate may be changed at the initiative of the bank.

The storage period can be 95 days at 2.5% with automatic extension or 185 days at 3% without extension. Amount for down payment must be at least 5000 Russian rubles.

Advantages:

• Allowed to carry out incoming transactions;
• Interest capitalization.

“Classic Reviewed over a year” ($,€)

The fixed shelf life is 18 months. The amount of the down payment cannot be less than 100 $ or €. The rate for the US dollar is 1.1%, the rate for the euro is 0.4%. Extension is not provided by default.

Peculiarities:

• It is permissible to top up your account throughout the entire contract period;
• Interest is added to the principal amount of the deposit at the end of each month.

“Classic Revocable for over a year in Russian rubles”

Deposit in Russian currency with a storage period of 1.5 years at a rate of 4% per annum. The rate can be adjusted at the initiative of the bank. The amount required to open an account is 5,000 rubles.

Advantages:

• Unlimited account replenishment;
• Adding interest to the deposit amount is capitalization.

You can find out the profitability of foreign currency deposits using the deposit calculator at Belarusbank.

“Classic Irrevocable up to a year” ($,€)

The investor is offered a choice of different storage periods for funds - 3, 6, 9 months. Rates increase with shelf life. When placing money in an account for 3 months, the investor receives a rate of 0.5% per annum, when placing money for 6 months - 0.8%, for 9 months - 0.9%. In this offer, the placement currency does not affect the rates; they remain the same for both € and $ accounts. It should be noted that only one rate is fixed - 0.5%, while 0.8% and 0.9% can be adjusted at the initiative of the financial institution, but after prior notification of future changes to depositors.

Peculiarities:

• There are no restrictions on account replenishment;

You can deposit money into your account for a period of 3, 6, 9 months at 4.5%, 5%, 5.2% per annum. The amount required to open a deposit is 5,000 rubles.

Peculiarities:

• There are no restrictions on replenishment;
• You can terminate the contract early and withdraw the invested money only with the agreement of the bank;
• Expense transactions are allowed within the limits of accrued interest;
• Unspent interest is added to the principal amount of the deposit.

“Classic Irrevocable for over a year” ($,€)

You can place money in the account for a period of 30 or 36 months. The rates offered for both dollars and euros are the same. When placing funds for 30 months - 1.6%, for 36 months - 1.8% per annum.

Peculiarities:

• High profitability;
• Possibility of replenishment during the first 27 months for a deposit opened for a period of 30 months and 33 months, you can replenish a deposit opened for 3 years;
• Adding interest to the principal amount of the deposit every month.

“Classic Irrevocable for over a year in Russian rubles”

An account is opened to store funds in Russian currency for a period of 30 or 36 months at rates of 4.7 and 5% per annum. The minimum amount required to open an account cannot be less than RUB 5,000.

Peculiarities:

• High profitability;
• Possibility of replenishment according to the terms of the contract;
• Deposit without extension;
• Adding interest to the deposit amount every month.

In addition, Belarusbank offers its clients to open a demand deposit or current accounts in foreign currency. Cash balances on such accounts are accrued at 0.1% per annum, and there are no restrictions on income and expense transactions.

Currently, Belarusbank allows its clients to open deposit accounts not only in national, but also in foreign currency. List of programs and banking products constantly changing and updating.

The bank's goal is to develop conditions that are most suitable for clients. With Belarusbank, accumulating funds is profitable and convenient.

How to choose a deposit

First of all, you should decide on the currency in which it is preferable to make investments. On this moment The bank services savings programs in the following foreign currencies:

• U.S. dollars;
• Euro;
• Russian ruble.

Depending on the chosen currency, the rate on deposit investments changes significantly.

1. Urgent. The agreement provides for certain restrictions. For example, you cannot deposit money into your account or you cannot withdraw funds before a certain date.
2. Poste restante. This is a freer way to invest. Usually it involves both replenishing the account and withdrawing a certain amount from it. Such deposits have a very low interest rate.

Based on the type of currency and the maturity of the investment, the bank creates various deposit programs and fixes interest rates on them.

Current programs in foreign currency

The most popular and in demand are time deposits. They are less liquid than demand deposits. But the bank client can receive more significant income from them.

Time deposits in dollars and euros

At the moment, Belarusbank is implementing the following time deposit programs in USD and EURO:

These are all the programs that are currently in effect in relation to American dollar and euro. As you can see, the interest rate is not very high. Nevertheless, the money “works” for its owner and is in a safe place. The benefits of such placement can be seen in additional bonuses, which the bank provides for its regular customers.

Time deposits in Russian rubles

Accepted only in Russian rubles. It is very convenient that the terms of the agreement provide for the capitalization of interest, carried out monthly.

The profitability of time deposits in Russian rubles is also not high, as in US dollars and Euros.

Due to the lack of popularity of such investments, demand deposits are represented by only one program, which is called “Demand”. Deposits are opened only in euros and dollars. It can be stored for any period of time, as specified in the contract. The interest rate is 0.1% per year.

If you analyze the situation correctly, then investments in foreign currency are less profitable than in Belarusian rubles. This is due to the instability of the exchange rate. The bank always sets a lower interest rate for deposits in euros or dollars. This is due to the fact that the exchange rate of a foreign currency is usually expected to rise against the Belarusian ruble, and not vice versa. In this case, the deposit owner receives double benefits - from the increase in the exchange rate and from the accumulated interest.

But at the same time, the total equivalent amount may turn out to be less than a deposit for the same period and a similar amount, but in national currency.