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. For the amount of bonds you will be charged interest rate at the rate of 3.5%.

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.

It will help you calculate the amount of income when opening a deposit and will allow you to better understand current programs.

Belorusbank takes a leading position banking sector Belarus, providing clients with a full range of services. Deposits for the bank are one of the priority areas, so it offers a wide variety of programs.

Features of deposits:

• Long periods - the deposit period can be 5 years, and in the case of the Care program even longer.
• Short terms – Programs « Guaranteed income" And " Savings certificate" have a period of 15 days.
• Large selection of currencies: from national to dollars, euros and Russian rubles.
• The most profitable deposits are those made in Belarusian rubles.
• Inclusion of the refinancing rate indicator in deposit rates.

SR – official refinancing rate of the Republic of Belarus.

Programs in Belarusian rubles:

Name contribution	Shelf life	Min.amount down payment, Bel.rub.	Bid
Free choice	11 months 24 months	500,00	12,3% 13,8%
Classic Revocable for 35 days	35 days	150,00	4,2%
Classic Revocable up to a year	95 days 185 days	150,00	4,7% 5,2%
Classic Irrevocable up to a year	3 months 6 months 9 months	150,00	6,7% 8,7% 9,7%
Classic Irrevocable up to a year with fixed interest rate	1 year	100,00	10,7%
Classic Irrevocable for over a year	18 months 24 months	150,00	13% 13,5%
Internet deposit-Trend revocable	from 1 month up to 9 months	50,00	5,2% - 9,2%
Internet deposit-Trend irrevocable	from 3 months up to 9 months	50,00	6,7% - 10,7%
Pension	Not limited	0,01	0,5%
Care	Unlimited	0,01	0,01%
Poste restante	Not limited	0,01	1%

Programs in foreign currencies:

Name of deposit	Shelf life	Min.amount	Bid
Classic Revocable up to a year	95 days	100 US dollars, euros RUR 5,000 rubles	0,8% 2,5%
	185 days	100 US dollars, euros RUR 5,000 rubles	1% 3%
Classic Reviewed for over a year	18 months	100 US dollars, euros RUR 5,000 rubles	2,3% 5,5%
Classic Irrevocable up to a year	3 months	100 US dollars, euros RUR 5,000 rubles	1% 5%
	6 months	100 US dollars, euros RUR 5,000 rubles	1,5% 5,5%
	9 months	100 US dollars, euros RUR 5,000 rubles	2% 6%
Classic Irrevocable for over a year	30 months	100 US dollars, euros RUR 5,000 rubles	2,8% 4,7%
	36 months	100 US dollars, euros RUR 5,000 rubles	3% 5%
Internet deposit-Trend revocable	from 3 to 23 months.	100 US dollars, euros RUR 3,000 rubles	1,2% - 2,8% 2,6% - 6,5%
Internet deposit-Trend irrevocable	from 3 to 23 months.	100 US dollars, euros RUR 3,000 rubles	1,5% - 3% 5,1% - 9%
Poste restante	Unlimited	1 USD, 5 EUR	0,1%

Calculate an example for yourself by filling out the form provided on this page.

Belarusbank deposit calculator



Rub. $ euro

1.5 years = 18 months, 2 years = 24 months, 5 years = 60 months

IN Last year Russians began to actively open deposits in subsidiary branches of Russian banks in Belarus. The rates on foreign currency deposits there are twice as high as in Russia. Is it worth taking advantage of this opportunity?

In 2015, Belarusian subsidiaries of Russian banks faced an increase in the number of depositors from Russia. “The volume of deposits of Russians increased by 28% in dollar equivalent,” says Vitaly Zhagolkin, head of the press service of Alfa Bank (Belarus). “At the same time, the most noticeable growth was at the end of the year: from mid-November to January 1, 2016.”

In Gazprombank’s subsidiary bank Belgazprombank over the past three months, the volume of funds deposited Russian citizens, increased by 30%, adds Sergei Shaban, Deputy Chairman of the Board of Belgazprombank. BPS-Sberbank (the Belarusian subsidiary of Sberbank) has noted a moderate increase in non-resident deposits since April 2015, a representative of the bank’s press service said.

Increased interest in deposits of Belarusian banks on the part of Russians continues this year, says Zhagolkin. It's all about high rates on foreign currency deposits. “For deposits in dollars and euros, rates currently reach 5% per annum when placed for 2 years,” says Zhagolkin.

According to infobank.by, the average return on annual deposits in dollars and euros in Belarusian banks is 3.5 - 4% per annum. For comparison, according to the research company Frank RG, the average maximum rate on deposits in the top 10 Russian banks is 2.7% in dollars and 1.8% in euros.

According to Zhagolkin, due to high stakes Citizens of European countries also deposit money in Belarusian banks. Rates in Russian rubles, deposits in which can also be opened in Belarus, are slightly higher than Russian ones. If the average maximum rate of the 10 largest Russian banks is 9.6% (data from the Central Bank of the Russian Federation), then in Belarus it is 11% (data from infobank.by).

The increased rates are explained by higher rates than in Russia key rate(25% instead of 11% in Russia) and the greater need of the Belarusian economy for foreign currency. “The economy of Belarus is more dollarized compared to the Russian one, the need for foreign currency among Belarusian companies is high,” explains the head of the research and analytics department of the Belarusian investment company Uniter Dmitry Kirilenko.

pros

In addition to the high return on deposits, the Belarusian financial system there are several more advantages compared to the Russian one, says Vyacheslav Bykovsky, head of infobank.by. You can open deposits in 4 currencies - local and Russian rubles, dollars and euros. And all these deposits are protected by the deposit insurance system.

Since 2008, the country has had a law “On Guaranteed Compensation bank deposits(deposits) individuals" Unlike the Russian mechanism, which returns deposits worth up to 1.4 million rubles, there are no limits in Belarus. “The Agency for Guaranteed Reimbursement of Deposits of Individuals”, in the event of a bank’s license being revoked, will reimburse all funds from the deposit in the currency in which the deposit was opened,” explains Vitaly Runtso, a financial consultant at the Personal Capital Group.

According to the official website National Bank Republic of Belarus, there are 28 banks operating in the country. Over the past 10 years, only two banks have gone bankrupt in the country, says Kirilenko from Uniter. He says that last year Delta Bank, owned by Ukrainian businessman Nikolai Lagun, went bankrupt. “This was an unprecedented event for Belarus. There were concerns about how the deposit guarantee system would work. But it worked as expected - all the funds were paid to all individual depositors,” says Kirilenko.

How to open a deposit in Belarusian bank

Russians can open deposits in Belarusian banks under the same conditions as citizens of Belarus itself. However, it will not be possible to do it directly from Russia. To open a deposit, you must personally visit any bank branch with your passport at least once and submit an application.

Some banks allow you to manage deposit account(transfer money, including interest, after the expiration of the deposit) via Internet banking. According to Infobank.by, only 10 banks have this opportunity.

“If you plan to solve everything in one visit, then you should take into account that urgent card issuance takes about 5 business hours with an additional fee for urgency of $10,” warns Runzo from Personal Capital.

The minimum deposit amount depends on the bank. For example, at Alfa Bank (Belarus) it is 100 dollars or euros, 7 thousand Russian rubles or 500 thousand Belarusian rubles. At VTB Belarus - the same 100 dollars or euros and 6 thousand rubles. At Belgazprombank you can open a deposit in foreign currency in amounts ranging from 50 dollars and euros, 5 thousand Russian rubles and 1 million Belarusian rubles.

Minuses

Until recently, income from deposits in Belarusian banks was not subject to taxes. However, from April 1, 2016, the norm of Decree No. 7 of President Alexander Lukashenko “On attracting Money into deposits”, which provides for the levy of income tax on interest income on deposits. As in Russia, it is 13% of income. The tax will be levied on both resident and non-resident depositors. Tax agents there will be banks themselves, i.e. the investor will not have to report to tax authorities.

“Income tax, of course, will reduce the real return on the deposit, but not critically,” reassures Zhagolkin from Alfa Bank (Belarus). “For example, if you place $10 thousand for a year, the income amount will be $500 dollars, and the tax amount will be $65.”

For Russians, the introduction of a tax is fraught with additional communication with Russian tax authorities. Belarus is a foreign state, therefore Russians are required to notify the Federal tax service on opening accounts on its territory. Starting from the new year, Russians are required to pay personal income tax on income on deposits in foreign banks, recalls Paragon Advice Group partner Alexander Zakharov. However, there is an agreement between Russia and Belarus to avoid double taxation. And in order not to pay taxes in their homeland, the Russian taxpayer will have to document the collection of tax in Belarus and issue a deduction, warns Zakharov.

One more nuance: according to this double taxation agreement, the Belarusian tax rate that Russia will offset is a maximum of 10%. Thus, the remaining 3% will still have to be paid in Russian treasury, says Donat Podniek, director of the group for the provision of services in the field of personnel management and taxation of individuals in KPMG in Russia and the CIS.

Tax in Belarus will only be levied on deposits for a period of less than 2 years, if we're talking about about foreign currency deposits. Also, in accordance with the decree, deposits will be divided into two types: revocable (can be withdrawn ahead of schedule) and irrevocable (can be withdrawn only after the expiration of the placement period stipulated by the agreement). Rates on irrevocable deposits will be significantly lower. For example, in Alfa Bank (Belarus) the rate on non-repayable deposits in foreign currency reaches 5%, on revocable deposits - 3.75% per annum. The table shows rates on irrevocable deposits.

Another problem for Russian depositors in Belarus is restrictions on deposit management. Full remote control deposit (opening, replenishing, closing and withdrawing to a card) is possible only for online deposits, and the rates for them may also be slightly lower. For example, for BelGazprombank's ON-Deposit the rate is 3.5% in foreign currency and 7.5% in rubles. The rate on the “Vyshe.NET” deposit of Priorbank is 3.75% in dollars and euros,” says Runzo from “Personal Capital”.

You can top up your deposit without commission only with bank card or from an account opened in the same bank. In turn, for transferring funds from a Russian bank to your account in a Belarusian bank, you must pay a commission to a Russian bank for translation and Belarusian for enrollment.

Is it worth using

Dmitry Kirilenko from Uniter believes that Russians can choose any of the Belarusian banks, including small ones. “Thanks to the guarantee system, you don’t have to worry about the safety of your funds and choose a bank with more attractive conditions. However, Russian experts advise weighing all the risks before opening a deposit in a neighboring country.

Over the past few years, Belarusian banks have repeatedly experienced a shortage of foreign currency and introduced temporary limits on its withdrawal, recalls Oleg Kuzmin, chief economist at Renaissance Capital. In the event of a serious crisis, they can use these protection methods again banking system. In this case, physical distance will play against the Russians, agrees Runzo: “The issuance of foreign currency deposits in difficult times took place according to a preliminary application submitted to the bank in person several days in advance.”

Another risk is changes in legislation. “The political system of Belarus is close to authoritarianism. When economic crisis measures can be quickly taken to restrict investor rights. For example, limiting the circulation of currency or introducing a fixed exchange rate,” warns UFG Wealth Management partner Dmitry Klenov.

“In absolute figures, the difference of 2.5% on a deposit for a period of 1 year in the amount of 10,000 USD will be 250 USD, which will barely cover the cost of travel to Belarus and back, taking into account the time spent,” concludes Runzo.

Alexandra KRASNOVA

You can see the table for the article.

Deposits in foreign currency of Belarusbank are good opportunity store your money safely, while also having monthly capitalization. It is convenient to open them in foreign currency - deposit rates in 2019 depend on the selected offer from the bank.

Capitalization is calculated depending on the number of days in the month, taking into account the balance, but excluding income tax.

Features of deposits in foreign currency:

1. Convenient terms.
2. The choice of currency is at your discretion.
3. Favorable design.
4. Long periods.
5. Various programs.

Detailed conditions of Belarusbank under which deposits are opened in Belarusian rubles are described.

Time deposits in foreign currency of Belarusbank

Foreign currency deposits for individuals are offered by Belarusbank according to different schemes - its conditions depend on the name of the program and a fixed percentage is calculated. IN separate category popularity includes urgent ones in foreign currency, which, in addition to their security, also have accessibility.

To apply for a term deposit, you can visit any Belarusbank branch in Mogilev or Gomel. And it is possible to open remotely using a reliable service.

Time deposits in foreign currency can significantly increase your own savings. They are concluded for different time periods, differentiated by interest capitalization.

Internet bonds

ASB Belarusbank allows you to sell Internet bonds that are presented as non-cash money on the card account.

The main feature of Internet bonds is that they are not issued in person and there is no need to personally visit a bank branch to purchase them.

Statement of the "depot" account is confirmation for the bond owner. Income from these deposits is not burdened income tax, and interest accrual carried out automatically.

Terms of Internet bonds

Compared to paper, Internet bonds differ in advantages:

1. Benefit (no extra commissions).
2. Convenience (there is constant access to foreign currency bonds).
3. Reliability (loss of bonds is impossible due to the fact that they are stored in a secure depository of Belarusbank).

Useful video:

Internet Deposit-Trend Revocable

Belarusbank's deposits in foreign currency are divided into several interesting categories, which includes “Internet Deposit-Trend Revocable”. The deposit is fixed-term and it can be controlled remotely using a payment card.

This deposit is allocated at the expense of such advantages:

• Can be replenished.
• Design and management without the need to visit the branch jar.
• Interest capitalization once a month.
• Refund via transfer with interest included.

Please note the conditions in Russia. rubles

Conditions of deposit for return, months.	3	6	12	18	23
Interest rate in $ currency	0.8	1	1.5	1.6	1.7
% amount for deposit in euros	0.3	0.35	0.4	0.45	0.5
min down payment	100 $ or euro
min one-time payment	10 $ or euro
Early termination of the contract	Carried out with interest rate recalculation

Internet Deposit-Trend Irrevocable

The currency deposit “Internet Deposit-Trend Irrevocable” allows you to manage your savings through the online system. Using a card At Belarusbank you can open a fixed-term irrevocable deposit in foreign currency.

Advantages:

1. Opening a deposit remotely.
2. Possibility of increasing the deposit account.
3. Convenient scheduled return with interest.

Amount per annum in dollars accrued proportionally to the months:

• 3 months - 1 %.
• 6 months – 1.4%.
• 12 months – 1.8%.
• 18 months – 1.9%.
• 23 months – 2%.

The interest rate is changed by Belarusbank after unilateral preliminary approval. More accurate information on this and other deposits can be found by simply dialing 147.

What interest rates should you expect when opening a deposit? It depends on the period of use and the amount initially invested.

Video on the topic:

Classic Revocable up to a year

The “Classic Revocable up to one year” deposit is characterized as follows:

1. Choice of storage period - 95 or 185 days.
2. If necessary early repayment with recalculation of interest.
3. Possibility of replenishment.
4. Carrying out expense transactions taking into account the balance of unclaimed %.

Features of a deposit in Russian rubles

Classic Reviewed for over a year

The “Classic Revocable over a year” deposit is intended for storing foreign currency within 18 months. His can be replenished and terminate the contract early with recalculation of percentage indicators.

Has the following advantages:

• Can be opened in the name of another person.
• The scheme works monthly capitalization.
• You can top up an individual’s account without restrictions.

Click on photo to enlarge

It is provided by the bank taking into account such requirements:

1. min amount – 100 $, euro.
2. Automatic re-signing is not provided.
3. 1.1% per annum if funds are invested in dollars.
4. 0.4% per annum for foreign currency deposits in euros.

Classic Irrevocable up to a year

Belarusbank deposit “Classic Irrevocable up to one year” can be opened for 3, 6 or 9 months. Payment transactions are permitted, and the balance of unclaimed and capitalized interest will be taken into account. Return the invested funds ahead of schedule you can't just do that(this requires bank permission).

Pros:

• Opening in the name of another person is possible.
• Interest capitalization monthly.
• Replenishment is allowed without restrictions.

Automatic contract renewal not provided for this type deposit. Interest accrual depends on the number of months:

• 0.5% - 3 months.
• 0.8% - 6 months.
• 0.9% - 9 months.

Classic Irrevocable for over a year

Time deposit “Classic Irrevocable for over a year” in foreign currency can be issued for a period of 30 or 36 months.

Early return of accumulated funds cannot be made without permission financial institution.

Expense transactions are carried out taking into account capitalized balances, so the client does not lose.

Conditions for investing in Russia. national currency

Terms of Use:

• High percentage.
• Monthly interest capitalization.
• You can open it in the name of another individual.
• Deposit the minimum amount at least 100 $ or euro.
• Extension for new term not implemented.
• 1.6% for 30 months. and 1.8% at 36 months.

Interesting video:

Deposits in foreign currency of Belarusbank on demand

Belarusbank also has deposits in foreign currency of a special category, which are called that"Poste restante".

Their advantages are as follows:

1. Can be opened in the name of another individual.
2. Duration is uncertain, for which you can make various incoming and outgoing transactions.

The Demand Deposit can be used by all individuals, starting with the investment of a minimum foreign unit. It is issued for an indefinite period, but the rate for it is not fixed and depends on the duration in years.

The owner of the deposit will receive benefits both when using it for one year and when using it for more than five years. In its relation the deposit is universal, given its significant advantages.

Poste restante

A demand deposit account is a savings account which is different unlimited storage period of foreign currency. Receipt operations can be done unlimitedly with cash deposit, The same applies to expense transactions.

Current accounts

Each savings account at Belarusbank is available for viewing and management in remote Internet banking systems.

On client current accounts, you can store foreign currency in unlimited quantities, accumulating interest. At the same time, there are no restrictions on outgoing and incoming transactions.

You can open such an account with zero balance unlike other bank offers. You can withdraw money in cash or by non-cash transfer, it is also allowed replenish current account.

Deposit calculator

An online calculator has been created specifically for preliminary calculations, which can be used at any time of the day will be able to make a preliminary calculation.

To use the calculator, You only need to enter three parameters:

Conclusion

Interest rates on all in the treasures

Today Belarusbank offers several types of deposits that start from 100 basic units in foreign currency or from 1 dollar. Before you choose on a specific banking product, worth considering its advantages and its capabilities.

You can open savings accounts at Belarusbank both in rubles and in foreign currency. In addition, the client can receive noticeable benefits with long-term registration. When opening some accounts, there is no requirement to visit a bank branch.

For a general comparison of deposits interest rates can be estimated:

1. “Classic Irrevocable” - in € or $ the annual rate is 1.5%, and in rubles - 5.5%.
2. “Revocable for a year” - when registering for 185 days, 0.4% per annum is offered.
3. “Revocable over …” - 1.1% when issued for a period of 18 months. In foreign currency and 5% in rubles.
4. “Internet deposit-Trend Irrevocable” - 1.8% if issued for 12 months. and 2% when registering for 23 months.
5. “Revocable Internet deposit” - starting from three months, the rate starts at 0.8%, and when issued for a period of 18 months. it has already grown to 1.6%.

It's not hard to notice that the rate on deposits in Belarusbank increases in proportion to the period for which it is planned to draw up savings. The rule is observed provided, that urgency is not violated, since the amount of interest rates is applied to urgent bank savings. In accordance with the signed agreement rate may change unilaterally.

The Belarusbank service will help you find out details on the issue you are interested in via short dial 147.

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 of the 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 term 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. The storage period for funds is 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 and interest are transferred 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.