In 2019, Vostochny Bank is among the 50 largest Russian banks. It is a member of the Deposit Insurance System, which provides additional guarantees to individual depositors.

Vostochny offers an extensive list of deposits, so that each client can invest free cash on the most favorable terms for himself.

Current deposit products

Basic tariff plans:

"Practical"- the possibility of concluding a contract for a period of 6 months to 2 years. Various currencies are available (RUB, EUR, USD). The minimum deposit is 100 thousand rubles or 2 thousand dollars / euro. Automatic renewal is not provided; the possibility of using additional bonuses and programs that increase the profitability of investments is available.

"Oriental"- provides ample opportunities to choose the duration of the contract (from one month to three years). There is no possibility to replenish or extend the term of the contract. Low minimum investment - 30,000 rubles / 500 dollars or euros; monthly interest rate.

"Passbook"– term deposit, 181-731 days. The depositor has the right to replenish his deposit multiple times throughout the entire period of the agreement. The replenishment amount cannot be less than 5,000 rubles or 500 dollars / euros. Interest is capitalized on a monthly basis, due to which the amount of the deposit is constantly increasing.

The promotion "Interest as a gift" may be applied to the current rates, thanks to which you can receive an additional 1.2%.

Vostochny Bank offers VIP clients a line of premium deposits with higher interest rates, including multi-currency and investment products.

Documents required for registering a deposit of Vostochny Bank in Moscow

The Bank imposes standard requirements for the package of documents provided by depositors. The registration procedure is simple and does not take much time. To simplify the process and reduce the waiting time at the branch, it is possible to fill out an online application with the subsequent submission of documents.

In order to conclude a deposit agreement in this banking institution, the client must fill out a questionnaire and provide a valid national passport, migration card or other document that confirms the legality of the presence of this individual in the territory of the Russian Federation. Additional requirements may be stipulated by the bank depending on the selected tariff offer, as well as other circumstances.

Vostochny Bank in March 2019 offers deposits for individuals, including pensioners, with a maximum interest rate of 8.72% per annum in rubles. Consider how to open the most profitable deposit of this bank.

Before the New Year, banks in Russia traditionally increase interest on deposits for individuals, and also introduce special seasonal deposits. So do, for example, Sberbank, VTB and many other banks. Correspondents of the economic block of the online magazine site made a whole selection of New Year deposits 2018-2019 from other Russian banks (see review). They have higher interest rates.

In Vostochny Bank, such a special seasonal offer in January 2019 is the Rozhdestvensky deposit. Like most seasonal offers, this deposit has conditions for raising funds that are not very convenient for the client, but a very favorable interest rate.

Opening such a deposit is a good way to invest free funds. The contribution of the Eastern Bank "Rozhdestvensky" today is a very profitable deposit. Consider its terms and interest rates in more detail.

Terms of deposit "Christmas"

As mentioned above, seasonal promo deposits do not have particularly favorable conditions in terms of the ability to manage funds. The contribution "Christmas" including.

1. The deposit cannot be topped up. This means that you need to immediately invest the maximum possible amount. If you were planning to save money from your payday or retirement to the bank from time to time, then this offer is not for you.
2. Partial withdrawal of money without loss of profitability is not provided. This means that you will lose all previously accrued interest if one day you suddenly decide to withdraw part of the money from the bank. You will only get back what you invested. But you can't see the percentages like your own ears. Why put money in the bank if not for interest?
3. Early termination of the deposit agreement is made at the rate of the deposit "on demand". What does this mean - see point 2. Bring to the bank only the money that you definitely will not need during the entire deposit period!

CONCLUSION. When making an Eastern deposit "Rozhdestvensky" at the bank, try to correctly calculate your financial capabilities.

Interest rates of the Rozhdestvensky deposit

Now let's deal with the numbers. So, the deposit is attracted for a period of 91, 181, 367 or 732 days. The minimum amount is 30,000 rubles, the maximum is 1.5 million rubles. Interest is accrued and paid at the end of the deposit term.

For ease of perception, the correspondents of the site have reduced interest rates to a table:

As you can see, the maximum rate today is 7.8% per annum. But there is an opportunity to get an even higher percentage - up to 8.50% per annum in rubles.

Conditions for receiving a higher rate

Today, Vostochny Bank is holding the "Interest as a gift" campaign. The premium on the deposit rate will be:

Clients who open a deposit in Russian rubles for a period of 91 to 732 days and draw up an investment product (“Investment Life Insurance” or “Cumulative Life Insurance”). If the client has issued both "Investment Life Insurance" and "Cumulative Life Insurance", then to calculate the bonus, the amounts of these products are summed up. The amount of the bonus is determined in accordance with the amount of opening a deposit and the share of the contribution to the ILI/HOI from the amount of the deposit being opened, and ranges from 0.05 to 1.4%.

Vostochny deposit: interest and conditions

The Vostochny deposit under certain conditions may turn out to be even more profitable than the Rozhdestvensky seasonal deposit!

The conditions for raising money are as follows:

• Amount: from 30,000 rubles. / 500 $ / 500 €
• Term: from 31 to 1097 days.
• Refill: no
• Partial withdrawal: not possible
• Early termination: at demand rate
• Interest accrual: monthly with capitalization or payment at the choice of the client
• Auto-renewal: not possible

Interest rates

With capitalization / without capitalization

In rubles

Amount/Term	31 days	91 days	181 days	367 days	732 days	1097 days
from 30,000 to 250,000 rubles.
from 250,000 to 650,000 rubles.
from 650,000 to 1.5 million rubles.

In dollars

Amount/Term	31 days	91 days	181 days	367 days	732 days	1097 days
from 500 to 5 000 $
from 5,000 to 15,000 $
from 15,000 to 25,000 $

In Euro

Amount/Term	31 days	91 days	181 days	367 days	732 days	1097 days
from 500 to 5 000 €
from 5,000 to 15,000 €
from 15,000 to 25,000 €

The rate, taking into account capitalization and additional bonuses (see the terms of the “Interest as a gift” promotion, see above), on the Vostochny deposit can reach up to 8.49% per annum in rubles!

How to open the most profitable deposit of Vostochny Bank

In principle, you can make deposits at Vostochny Bank both at a bank branch and via the Internet. But if you claim the maximum percentage, then you should check the current rates with bank employees or in your Internet bank.

The fact is that bonuses, as mentioned above, do not apply when opening a deposit through the Internet Bank. In addition, interest rates when making a deposit online can be significantly LOWER than when opening at a bank branch.

If you contact Vostochny Bank, the specialists will help you open an interest-bearing deposit that meets your goals, draw up documents, and tell you how to place your funds as profitably as possible.

About the bank

PJSC CB Vostochny, better known as Vostochny Bank, is reliable and safe, which is confirmed by many facts:

The Bank of Russia has included Vostochny Bank in the list of organizations in which the Pension Fund has the right to place the collected funds, which means the highest level of reliability.

The branch network of Eastern Bank covers major cities of Russia, which means that you can make a deposit, receive bank interest, withdraw your funds where it is convenient for you.

Contacts

Learn more about the conditions for opening and interest rates of deposits of individuals of Vostochny Bank on the official website www.vostbank.ru or at bank branches.

Phone: 8 800 100 7 100

The information is not a public offer. General license of the Bank of Russia No. 1460.

Deposits for individuals in Orient Express Bank is one of the traditional services offered by the bank. The financial and credit institution has a reliable reputation, a high credit rating, is certified by the regulator, and a large branch office allows customers to use the bank's services in a comfortable and convenient way.

Features of deposits in Orient Express Bank

Any bank deposits can be divided into two groups - urgent (contracts for which are concluded for a croquet term) and Demand (without a specific date).

There is a demand deposit in any bank, it was created specifically for operational settlements. You can withdraw and deposit money into this account at any time. Interest on this type of deposit is minimal (0.01% per annum).

Term deposits do not imply operational management of the deposit account. As a rule, the client cannot withdraw money from the account in full, but some banking programs will allow you to withdraw partially without losing interest. Such deposits are opened in rubles or foreign currency, and have a high interest rate.

In 2017, Orient Express Bank invests its clients in the most successful projects, thanks to which it makes a profit and pays part of it to its clients, individuals at a set interest rate. In addition, the payment of such dividends is guaranteed at the state level, since the bank is included in the insurance system. All this makes deposits stable and profitable investments.

Interest and conditions on deposits in 2017

Orient Express Bank has traditional deposits with a higher interest rate, stable income, advanced features and a line of programs for the VIP category with impressive investment amounts.

Practical

For the traditional line of deposits, the bank did not develop a large number of options, but combined all the positive and convenient functions in one.

In 2017, the Practical deposit has very attractive conditions for partial withdrawal of funds, and you can replenish the deposit an unlimited number of times if its term exceeds six months (the deposit is at least 5 tr. or 100 currency units, the maximum limit is 3 million rubles). R.). You can withdraw funds at any time up to the minimum balance (equal to the minimum deposit amount).

The client can choose any investment term from six months to 2 years. The method of paying interest is chosen by an individual independently - either capitalization (interest is added to the deposit and interest is also charged on them), or payment to a separate account from which the client can withdraw it.

Please note that in 2017 the bank offers special bonuses for its customers: 0.1 to the interest rate for pensioners, as well as individuals who open a deposit remotely. 0.2 for all those who deposit funds for a period of more than six months and for regular customers.

You can draw up an agreement in any of the available ways that the bank offers to individuals:

Oriental

An excellent option for those who want to get the maximum return on their investments in 2017 is a high interest rate for a period specified in the contract. The minimum deposit is less than for the Practical deposit - only 30 thousand rubles. (or 500 currency units).

Interest is accrued monthly and the client, an individual, has the right to choose how to dispose of it - reinvest in the deposit amount back, or receive cash to his bank account. You can arrange your investments as long-term - the maximum duration of placement is 3 years, or short-term - from 1 month. It is impossible to reclaim the deposit ahead of schedule without losing interest, as well as replenish it.

Interest rates on the Vostochny deposit is a great opportunity to receive a stable passive income

All bonus offers of Orient Express Bank apply to this deposit. To draw up a contract, it is enough to have a passport with you.

passbook

For individuals, examples of financial discipline, who always have free money at hand, a deposit with the possibility of constant replenishment is suitable - Passbook. Additional deposit is limited only by the minimum and maximum size - not less than 5 tr. and no more than 1 million in total (after consultation with a bank specialist, the limit can be increased).

In 2017, the deposit is opened from 30 thousand rubles. for a period of six months to 2 years. There is no automatic prolongation, and early termination is carried out at the Demand rate. If you want to get the maximum profit, choose interest capitalization. If it is important to receive a monthly income, a payment to a separate account is suitable.

For the Savings book deposit, all bonuses and ways of signing an agreement for individuals are preserved.

Special programs

For clients wishing to place an impressive capital on a deposit in Vostochny Express Bank (from 1 million rubles, for a Sberaccount deposit - from 3 million), programs with increased interest rates have been created. VIPs include:

Urgent- a deposit with simple conditions - it cannot be prolonged, it cannot be replenished, the rate is valid for the entire period. It is possible to partially claim funds up to 90 percent of the amount of savings, if the account balance is not less than the initial contribution. Interest is either capitalized or paid out to the depositor on a monthly basis.

Savings account - for everyone who wants to replenish their deposit (with the exception of the last two months) and receive a constant profit. Interest on a deposit in 2017 can be transferred to a bank card. Partial withdrawal of money from the account is possible at any time up to the amount of the minimum balance. The maximum rate, taking into account capitalization, is 7.16%. The difference between the contribution and the rest will be an increased entry threshold - 3 million rubles.

Sberplan— the most mobile deposit from the VIP line in Vostochny Express Bank, a replenishable deposit for individuals (the contribution amount is not less than 30 tr.), partial withdrawal is allowed under the conditions adopted for the VIP line. The duration of the placement of capital and interest are distributed according to the tariff table. The rate, however, is fixed. Account renewal is automatic.

Multicurrency — for individuals who want to be independent from fluctuations in exchange rates in financial markets. It is no secret that the national currency is extremely sensitive to the strengthening of the US and European currencies and loses its value if the latter grow, this was especially noticeable in late 2016 and early 2017.

The Multicurrency deposit will save you from this risk, and in addition, it will allow you to earn additional funds due to the possibility of converting an unlimited number of times within the minimum balances. The percentage of income is fixed and with capitalization is 7.1 (rubles) / 0.65 (dollars) / 0.45 (euros). The duration of the placement of funds is six months.

Investment - the highest interest in the Orient Express due to the investment of part of the investor's capital in mutual funds. Interest rate up to 9.82% with capitalization. You can place funds for a period of 6 months to 3 years.

An individual can claim up to 90 percent of the deposit amount once, excluding accrued interest up to the minimum balance.

Conclusion

Any individual can place a deposit in Vostochny Express Bank, in accordance with the terms of existing programs. The bonus system of 2017 will bring you additional profit. For clients wishing to place large amounts of money on deposits, interest rates are significantly higher than the average market offers.

Vostochny Bank provides an opportunity to place a term savings deposit in national or foreign currency with a fixed rate. The Bank also developed a deposit program with an increasing rate. It is possible to place a savings deposit in the Bank. It is also allowed to draw up an expense-saving deposit with the possibility of increasing the principal amount and withdrawing money in a partial amount.

Features of deposits. When placing a deposit with Vostochny Bank, the client needs to pay attention to the following features of the Bank's programs:

• Making a deposit is possible at any office of the Bank, existing customers can open a deposit remotely, while receiving a higher interest rate;
• There is a program of supplements to the interest rate for the Bank's clients who are the owners of the service package, as well as pensioners. Bonuses are non-cumulative. When making a deposit remotely, surcharges are not charged;
• Placing an account with the Bank is available to citizens / nationals of any other state - they need to provide documents identifying their identity and confirming the right to stay on the territory of the Russian Federation, as well as a migration card;
• You can close a deposit or withdraw money in a partial amount ahead of schedule in any division of the Bank in the country;
• The current deposit programs of the Bank do not provide for the possibility of their prolongation after the expiration of the agreement;
• The client has the right to transfer the right to carry out the main set of operations on the deposit to a third party, for this it is necessary to issue a power of attorney at the Bank's branch where the deposit agreement is concluded;
• The funds on the deposit account with the Bank may be the object of a will drawn up by a notary.

How to open a deposit? The Bank provides the following deposit options:

• At a branch of the Bank. The client is required to have an identity document with him: a general civil passport of the Russian Federation, a serviceman's certificate, a temporary identity card of a citizen of the Russian Federation. A foreigner, in addition to a national passport, must have a document confirming the right to stay in the country - a visa or residence permit, as well as a migration card;
• Remotely - using the Internet Bank. Available to existing customers of the Bank who are cardholders or owners of other products. When opening a deposit remotely, the Bank offers higher interest rates.

Closing the deposit and withdrawing money. The closing of the deposit and the return of funds is carried out on the last day of the term of the agreement. Before closing the deposit, as well as in case of partial withdrawal of funds, the client is recommended to order a refund in writing no later than 2 days before the operation. You can close the deposit at any branch of the Bank without reference to the office where the agreement was concluded. The client must have an identity document used to make a deposit with him.

Premature termination of the deposit agreement is allowed, while the accrued interest is recalculated at the rate of a termless deposit.

Vostochny Bank began operating in 1991. At the moment, the credit institution occupies a strong position both in official ratings and among the civilian population.

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This is largely due to a firmly formed position - to bring banking services to individuals to a completely new level, comparable to Western countries.

Which for individuals is the bank in 2019

In 2019, citizens are offered the following investment products:

• Practical;
• Oriental;
• Passbook.

Practical - this is a deposit for which replenishment and withdrawal is available without loss of interest. An interest rate bonus is provided if the client participates in the Interest as a gift promotion.

Vostochny is a profitable deposit with an increased rate, unchanged for the entire duration of the contract. Profitability can reach 9% per year, and interest is accrued every month with the possibility of paying it to the client's account.

A savings book is a replenishable deposit, the credit transactions for which are available throughout the entire period.

The rate is low - only up to 7.52% per year, but this is not the main thing - after all, the optionality of the deposit and the possibility of flexible settings more than compensate for the small income.

Conditions

The table below summarizes the comparative terms of East Bank deposits currently in effect:

The product's name	Practical	Oriental	passbook
Currency	Rubles, euros and dollars
Term	From six months to 24 months	1 to 36 months	From six months to 2 years
Min. down payment amount	From 100 thousand rubles, or from 2 thousand dollars, or from 2 thousand euros	From 30 thousand rubles, or from 500 dollars, or from 500 euros
Possibility of extension	Absent	Absent	Absent
Incoming transactions	Yes, during the entire term of the contract, min. the amount of one payment is 5 thousand rubles, or 150 euros or dollars.	Opportunity is missing	Yes, min. size of one extra the contribution is 5,000 rubles, or 150 euros or dollars
Maximum bet	7,25 %	9,01 %	7,52 %

For all deposits in Vostochny Bank, uniform conditions are established for early withdrawal. So, according to the rules of the bank, preferential conditions are not provided. Interest for the entire term is calculated based on the demand deposit rate.

In the event that the rate for the Demand product has changed, then the rates applicable in the relevant periods will be applied to the calculation of interest.

Interest rates on deposits of Orient Express Bank

Rates depend on:

• from the sum;
• from term;
• from currency;
• from the capitalization of interest (leaving on the account) or their payment to the depositor.

The Vostochny deposit is subject to the interest indicated in the table below (for a ruble deposit, excluding capitalization):

Sum	Term	Bid
From 30 to 250 thousand	1 month	6,45
	3 months	7,95
	6 months	8,85
	12 months	7,95
	24 months	8,15
	36 months	7,45
From 250 to 650 thousand	1 month	6,55
	3 months	8,05
	6 months	8,95
	12 months	8,05
	24 months	8,25
	36 months	7,55
From 650 thousand to 1 million	1 month	6,65
	3 months	8,15
	6 months	9,05
	12 months	8,15
	24 months	8,35
	36 months	7,65

If US dollars were chosen as the currency, then the maximum interest rate will be 2.05% per year (with a deposit amount of $ 15,000 and placement of funds for a period of 3 years).

On a deposit opened in euros, max. the rate is 1.55% per annum and can also be obtained if:

• place funds for 3 years;
• in the amount of 15 to 20 thousand euros.

For other deposits (Savings book and Practical), the yield is significantly lower. For example, the Savings Book deposit allows you to get the maximum profit if:

• funds are placed for 2 years;
• an amount of 650 thousand rubles or more, or 15 thousand euros or dollars;
• the client chose capitalization instead of a monthly transfer to the current account.

Information on all applicable interest rates can be found from.

Decor

To clarify the methods of making deposits, please contact the Eastern Bank hotline number.

Since the conditions of deposits are constantly changing, as well as the ways of opening them, the information provided by our editors may not be up to date.

However, there are two main ways to open a deposit:

• via Internet banking;

• in the department.

For registration in the office you will need:

• fill in a standard form of the questionnaire;
• sign a deposit agreement in the form of a bank;
• deposit funds in the amount of the minimum initial contribution established by the conditions (or more), in any way possible;
• pick up your copy of the agreement on opening a deposit at the bank.

When registering at the branch, a general passport is required. In the absence of such a document, another one should be presented, allowing to properly identify the person.

At the end of the term of the agreement, for the withdrawal of funds, you will also need a passport and a copy of the deposit agreement, handed over to the depositor upon opening.

Beneficiaries include the following:

• pensioners;
• regular customers;
• who opened a deposit remotely (via Internet banking).

Profitability calculation

To calculate how much money will be received from investing funds, you can use the built-in calculator on the Vostochny Bank website.

We find the calculator as follows:

• on the main page, click "Contributions";

• choose the desired deposit - Practical, Oriental or Savings Book;
• on the web page we find the block “Deposit calculation”.

You only need to specify two parameters:

• deposit amount;
• term.

For example, if you specify in the Practical tab:

sum	100 thousand
term	6 months

Then the calculator will show that for this period we will make a profit in the amount of 3517.32 rubles. Similarly, we calculate for other products with other parameters.

Insurance

Vostochny Bank guarantees its depositors that their funds are securely protected. After all, the reliability of the bank is certified by high ratings both in our country and abroad.

For the implementation of insurance payments in the event of insolvency or revocation of the license by the Central Bank, the Deposit Insurance Agency is responsible - it is it that deals with the consideration of insured events.

The depositor will be paid all his funds invested in the deposit. But if the deposit amount was more than 1.4 million rubles, only 1.4 million rubles will be paid out (since this is the maximum amount of insurance), the remaining money will be irretrievably lost.

In dollars

Deposits in dollars traditionally remain an unpopular direction for investing money with depositors. After all, the main currency of the Russian Federation is rubles, and it is rubles that are the main means of payment for goods and services on the territory of our country.

Only the most dedicated foreign currency fans can afford such an investment. Most citizens prefer to store and save money in the traditional way.

It is unprofitable for banks to invest in euros or dollars. Credit institutions have sufficient foreign exchange assets to complete transactions, and such attraction of funds from the population is of little relevance to them.

In this regard, interest rates on foreign currency deposits are extremely low and rarely exceed 2% per year.

This value is the limit maximum possible with the maximum deposit period and the maximum amount. On average, the yield is rarely more than 0.5% - 1% per year.

However, Vostochny Bank gives depositors the opportunity to invest in all three products in rubles, dollars and euros.

Unfortunately, Eastern Bank does not have a Multicurrency product or something like that (which allows you to freely convert from one currency to another and earn on the difference in quotes), so the senselessness of investing in foreign currency here becomes even more pronounced.

Deposits for legal entities

Vostochny Bank did not forget about legal entities either - great opportunities are available for them to place funds free from turnover and save them:

Product name	Key Features
Time is money	Short terms - from 1 week to 29 days
	Daily Income
	Not extended
With the right of early withdrawal	Possibility of full early withdrawal
	refillable
	Not extended
Sberplan	Partial withdrawal with saving %
	refillable
	Not extended
Urgent Eastern	Capitalization or interest payment
	Individual conditions
	Not replenished
Treasury	Short term - from 1 day
	From 500 thousand rubles
	Interest rate quoted daily
business approach	Partial withdrawal on preferential terms
	non-refillable
	Extendable
Yield interest	Unreduced balance of at least 50% of the initial deposit amount
	refillable

Eastern Bank offers several deposits to choose from. Available currencies include Russian rubles, dollars and euros.

The maximum rate is valid for the Vostochny deposit - up to 9% per year. Citizens' funds are reliably protected by the state as part of compliance with the requirements of 177-FZ, so there is no cause for concern.

Video: Personal finance with Natalia Smirnova. Issue 3. Bank deposits

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