Sovcombank offers placement of urgent savings deposits in rubles, dollars or euros. Replenishment of the deposit is possible within the period for placing the initial amount - 10 days from the date of conclusion of the agreement. The program is in effect savings deposit, interest payments on which can be made in a lump sum at the end of the deposit or every month. Developed special program deposit to accumulate funds to purchase a car. It is allowed to place an expense-cumulative deposit, within which it is possible to increase the principal amount, as well as partial withdrawal. The deposit provides preferential terms premature termination of the contract.

Features of deposits. Any individual over the age of 14 can place a deposit with Sovcombank. Foreign citizens, as well as stateless persons, can open a deposit only in some offices, the list of which is presented on the Bank’s website. Deposits provided by Sovcombank have the following features:

• An increase in the deposit rate is available, subject to the active use of the Halva card;
• After concluding the agreement, the Bank provides the client with a period of up to 10 days, during which he must deposit the desired amount into the deposit account. Within this period, the investor can replenish the principal amount in an unlimited amount;
• Premature closure of the deposit with subsequent recalculation of interest at the rate of a permanent deposit is allowed. Some programs have a preferential procedure for early closure of a deposit;
• Interest can be paid in a lump sum at the end of the term or monthly;
• It is allowed to register a deposit by a representative in favor of a 3rd party; The client can issue a power of attorney at the Bank branch where the deposit is opened to carry out the main set of operations on the deposit.

How to open a deposit? Sovcombank makes it possible to make a deposit in the following ways:

• At the Bank office. To conclude an agreement, you must have an identification document - for example, a passport of a citizen of the Russian Federation or a foreign civil passport. Persons without Russian citizenship cannot place a deposit in all departments; their list is presented on the Bank’s website. After concluding the agreement, the client must deposit the required amount on deposit within 10 days, otherwise the agreement will be terminated by the Bank unilaterally;
• Remotely – via Internet banking. To access the service, you must have a current account or another valid Bank product. The possibility of remote deposit placement is not provided for all programs. When opening a deposit for a period of more than 2 years through Internet banking, the client can receive an increase in the rate.

Closing the deposit and withdrawing money. After the end of the deposit period, the client can withdraw the full amount by visiting a Sovcombank branch; he must have an identification document with him. Refunds are made in cash or by bank transfer.

If the deposit is not claimed, the Bank automatically prolongs the deposit under the terms of the primary agreement. Also, the deposit can be closed ahead of schedule, and interest is recalculated under the terms of a permanent deposit, unless a preferential procedure for early termination of the agreement is provided.


At Sovcombank for individuals Several deposits are available with different interest rates.

Important condition: Only Halva card holders can receive the maximum interest rate on their deposit. It’s not enough to just open it; you need to pay with plastic for purchases worth at least 5,000 rubles monthly.

Sovcombank deposits for today - interest

1. Deposit “Fixed income”

This is a deposit with monthly interest payments.

On the day of opening the deposit agreement, if the Depositor has not deposited funds into the deposit account, the Bank will credit an amount of 0.1 rubles to the deposit account as a bonus. If the deposit is not received within 10 calendar days from the date of opening the deposit, Money in the amount of 30,000 rubles, Bonus in the amount of 0.1 Russian ruble will be returned to the Bank, the Deposit Agreement will be terminated.

Rate for deposits in Russian rubles (when opened in a branch or Internet bank):

Duration (in days)	Interest rate (% per annum)
31-90	4,1%	–
91-180	4,3%	5,3%
181-270	4,8%	5,8%
271-365	4,8%	5,8%
730	4,8%	5,8%
1095	5,2%	6,2%

Sovcombank opens a special card, money can be sent there or to any existing account.

• Deposits and partial withdrawals are not provided.
• Additional payment is possible no later than 10 days.

Basic conditions for the Constant Income deposit:

1. Minimum deposit amount– 30,000 rubles (funds can be deposited within 10 days).
2. Minimum replenishment amount– 1000 rubles. During the term of the agreement, the amount of all additional contributions cannot exceed the initial amount paid within 10 calendar days from the date of opening the deposit. Both cash and non-cash methods of replenishment are possible.
3. Interest accrual
4. Interest payment– Accrued interest is paid monthly on the date corresponding to the date of opening or prolongation of the deposit, as well as on the expiration date of the deposit by transferring to a bank account for settlements of individuals. TO bank account For payments by individuals, a “Halva” card is issued.
5. Interest paymentupon early withdrawal of the deposit (in full or in part) – Interest is paid based on the interest rate established by the Bank for demand deposits at the time of demand for the deposit. If, during an incomplete period, interest was paid on the deposit to a bank account for settlements of individuals, the difference between the paid and the amount payable is reimbursed from the deposit amount.

2.Deposit “Convenient”

A deposit with a choice of terms, a good interest rate and the ability to spend.

There are also no replenishments or withdrawals; interest is actually credited at the end of the term. But early termination of the deposit is possible, then the interest is recalculated based on the minimum deposit “On demand” (very low interest!)

Deposit term (in days)
3-6 months	91-180	5,1	6,1
6-9 months	181-270	5,6	6,6
9-12 months	271-365	5,6	6,6
24 months	730	5,3	6,3
36 months	1095	5,7	6,7

• Interest payment– Interest is paid upon expiration of the deposit to the bank account for payments of individuals to which the “Halva” card is issued.
• Interest accrual– Interest accrual begins from the day following the day the corresponding deposit amount is made, until the day it is returned to the Depositor, inclusive, and if it is written off from the deposit account for other reasons, then until the day it is written off, inclusive.
• Minimum deposit amount– 50,000 rubles (funds can be deposited within 10 days).
• Minimum replenishment amount– 1000 rubles.

Update: changes to the terms of the Convenient deposit

Now the client can:

• replenish the deposit during the validity period in an amount not exceeding the amount deposited within 10 calendar days from the date of opening the deposit;
• partially withdraw funds from the deposit up to the minimum balance (from RUB 50,000);
• make additional contributions in the amount of partial spending amounts (in case of partial withdrawal of funds).

3.Maximum income

A deposit for those who want to receive maximum income on funds placed in the bank by a certain date.

Rate for deposits in Russian rubles (when opening a deposit in the office or independently via Internet banking):

Deposit term (in days)		Interest rate (% per annum), rubles	The rate is subject to the conditions of regular turnover on the Halva card
1 month	31 days	4,3	–
3 months	91 days	4,5	5,5
6 months	181 days	4,9	5,9
9 months	271 days	4,9	5,9
12 months	365 days	4,9	5,9
24 months	730 days	5,4	6,4
36 months	1095 days	5,8	6,8

It does not provide for expense or income transactions, and interest is accrued after the expiration of the contract.

Additional replenishment is possible within 10 days, but not more than the amount of the initial payment.

• Minimum deposit amount– 50,000 rubles (funds can be deposited within 10 days)
• Interest payment A “Halva” card is issued for a bank account for payments to individuals.
• Deposit extension– Provided on the terms and at the interest rate in force at the Bank on the date of extension. The extension of the deposit is terminated after the Bank makes the appropriate decision. In this case, the deposit amount is transferred to a bank account for settlements of individuals.

4. Deposit “Record percentage”

In this deposit, Sovcombank offers increased rates and terms.

• Minimum deposit amount– 50,000 rubles (you can deposit funds within 10 days from 1000 rubles in cash and by bank transfer).
• Additional fees– Not accepted after 10 calendar days from the date of opening or prolongation of the contract.
• Interest accrual– Interest accrual begins from the day following the day of making the corresponding deposit amount until the day of its return, if the debit from the account was made for other reasons, then until the day of debit inclusive.

Rate for deposits in Russian rubles (when opened in a branch or independently in Internet banking):

	Without possibility early termination with interest retained
Duration (in days)	2 months (60 days)	6 months (181 days)	1 year (365 days)
Interest rate (% per annum)	4,8%	5,3%	5,3%
Interest rate for payments with Halva card	–	6,3%	6,3%

• Interest payment– interest is paid upon expiration of the deposit term on the Halva card.
• Payment of interest upon early withdrawal of the deposit(in full or in part) - interest is paid based on the interest rate established by the Bank for demand deposits at the time the deposit is called.
• Spending of funds- No.
• Deposit extension. If the deposit is not claimed on the day it expires, the deposit is considered accepted again on the terms and at the interest rate in force at the Bank for this type of deposit on the date of extension. The extension of the deposit is terminated after the Bank makes the appropriate decision. In this case, the deposit amount is transferred to a bank account for payments to individuals.

5. “Free” deposit

Deposit with monthly interest capitalization and the possibility of early termination at ½ rate!

Conditions:

Minimum deposit amount	1,000,000 rubles(funds must be deposited on the day the deposit agreement is opened).
Maximum deposit amount	No limit.
Additional fees	From 5,000 rubles. Accepted in cash and non-cash. Acceptance of additional contributions stops 30 calendar days before the end of the deposit period.
Spending of funds	It is possible to withdraw funds up to the minimum balance.
Interest accrual	Interest accrual begins from the day following the day the corresponding deposit amount is made until the day it is returned.
Interest payment	Interest is paid during the term of the deposit agreement: monthly on the date corresponding to the date (date) of opening the account from which the extension period begins, as well as on the expiration date of the deposit term.
Adding interest to the deposit amount	The accrued interest is added monthly to the deposit amount (increases the deposit amount), on which interest is calculated.

Terms and rates of the “Free” deposit

In rubles

Duration in months (in days)	Rate, % per annum
	1 000 000	10 000 000
3 months (91 days)	3,8%	4%
6 months (181 days)	4,4%	4,6%
12 months (365 days)	4,5%	4,7%

Rates for deposits in US dollars (% per annum)

Minimum deposit amount– 25,000 US dollars (funds must be deposited on the day the deposit agreement is opened).

Maximum deposit amount– 5,000,000 US dollars.

Additional fees– from 100 US dollars. Accepted in cash and non-cash. Acceptance of additional contributions stops 30 calendar days before the end of the deposit period.

Duration in months (in days)	Rate, % per annum
	minimum amount, minimum balance
	25 000	200 000	500 000
3 months (91 days)	0,4%	0,5%	0,6%
6 months (181 days)	0,7%	0,8%	0,9%
9 months (271 days)	0,8%	0,9%	1%
12 months (365 days)	0,9%	1%	1,1%

Maximum income with Halva

Increase in rate by 1% on all ruble deposits for owners of the Halva card.

Conditions for increasing the rate when paying with the Halva card:

The rate increases by 1% at the end of the deposit period if the following conditions are simultaneously met:

• made at least 5 purchases during the reporting period;
• total purchase amount from 10,000 rubles per the reporting month(own or borrowed funds);
• Transactions in any stores are taken into account, including those not included in the list of partners;
• there is no overdue debt on the Halva card;
• deposit period over 3 months.

Increased interest rate applies for deposit amounts up to RUB 1,500,000. Interest at the additional rate is accrued only on amounts up to RUB 1,500,000. If the deposit amount is higher, interest is accrued only on 1,500,000; the additional rate does not apply to the rest of the deposit.

1. If the conditions for increasing the rate are not met in at least one reporting period The deposit rate does not increase.
2. The reporting period is considered to be the elapsed month from the date (day) of opening the deposit account.

Important points

1. All deposits placed with Sovcombank are insured by the DIA.
2. You can terminate the contract ahead of schedule under all programs, while retaining the accumulated interest; none of them will work.
3. The minimum period for placing funds is 31 days. Get the most high percent is possible only with a deposit opened for a period of 1095 days.

How to open a deposit in Sovcombank

You can make Sovcombank deposits for individuals in branches or via the Internet.

In the department

If you are not yet registered in Sovcombank Internet Banking, you will have to visit a bank branch.

• Contact any of the nearest Sovcombank offices. You must have a Russian passport with you.
• The operator will help you fill out the necessary documents.
• Deposit money into your account.
• Deposit is open!

In Internet banking sovcombank.ru

If you are already registered in Sovcombank Internet Banking, then you can open a deposit without leaving your home.

• Log in to the Internet bank sovcombank.ru using your login
• In the menu, select “Open deposit”.
• Select a suitable contribution using the filter, or select an option from the proposed list.
• Read the terms and conditions.
• Fill out the short form, indicating the deposit amount in the “I want to invest” field. If you want to transfer funds from another bank, then in the “Debit from account” field, select the “replenish the deposit later” option.
• Confirm the operation via SMS.

Find out more about interest rates and terms of deposits on the website or by phone: 8-800-200-66-96 (calls within Russia are free).

Special conditions for pensioners

Sovcombank does not offer deposits specifically for pensioners. They can use any of the deposits valid at the time of circulation.

Bank deposits in foreign currency

There are also deposits that are opened in US dollars and Euros. Currency deposits Not all branches and offices open, so please check by phone 8-800-200-66-96 about a specific office in your city.

On this moment such contributions:

1. Deposit "Maximum income"
2. Deposit “Fixed income”
3. Convenient deposit

1. “Maximum income” in currency

Minimum amount	Deposit terms up to one year				Duration – 2 years	Duration – 3 years
	3 months/91 days	6 months/181 days	9 months/271 days	12 months/365 days	24 months/730 days	36 months/1095 days
500	0,9	1,2	1,3	1,5	1,6	1,7

• The minimum deposit amount is $500.
• Additional fees- not accepted.
• Spending of funds- not provided.
• Interest accrual– interest accrual begins from the day following the day the corresponding deposit amount was made until the day it is returned
• Interest payment– interest is paid upon expiration of the deposit term to a bank account for settlements of individuals.

2. “Convenient” in currency

Convenient choice of term with an excellent rate!

Minimum deposit amount:

• For deposits in US dollars: 500 US dollars

Minimum replenishment amount– 100 US dollars.

Rates for deposits in US dollars (% per annum):

Minimum amount	Deposit terms up to one year				Duration – 2 years	Duration – 3 years
	1-3 months (31-90 days)	3-6 months (91-180 days)	6-9 months (181-270 days)	9-12 months (271-365 days)	24 months/730 days	36 months/1095 days
500	0,8	1	1,1	1,3	1,4	1,5

Conditions:

• Additional fees– accepted in cash and non-cash, in an amount not exceeding the initial deposit amount (from $100).
• Spending of funds- No
• Interest payment– interest is paid upon expiration of the deposit term to a bank account for settlements of individuals.

Now you have complete information on foreign currency and ruble deposits and their conditions with interest rates.

Important Note

All depositors are issued a “Halva” installment card, regardless of the amount and term of the deposit. On this map accrued interest on deposits will be paid. The Halva card can be issued with or without a credit limit credit limit(debit card).

Plus the fact that the card can be used as an installment card and as a debit card, which has a number of advantages (the highest cashback on all purchases on the market - 1.5%, the highest percentage for storing funds - 8.25%, and the card is free). You can withdraw cash (interest earned) from the Halva card. There is no commission.

Minus: Whether you want or not to have this card, you will have to get it. Without receiving this card, you will not be able to open a deposit. At least, that's what employees said in some departments. If you insist on refusing the card (this is your right not to issue a card), then the interest will be paid to a separate account, the card simply will not be linked to it.

Interest from the deposit can be transferred to the deposit account and received at the cash desk. There is no commission.

Sovcombank - Russian commercial Bank regional direction, is included in the number. It is characterized by an extensive network of offices and territorial divisions. The bank's activities are aimed at providing banking services to individuals, providing loans, processing deposits, as well as conducting transactions with securities.

Sovcombank is known for its social orientation; it focuses on supporting vulnerable segments of the population, working with pensioners, implementing environmental projects in the country and financing cultural and educational programs.

When distributing its priorities, Sovcombank, like Sovcombank, sets itself the goal of providing high-quality professional banking services to small and medium-sized cities for a wide range of individuals.

Sovcombank provides all its clients - individuals with the widest range of banking services, which are based on world standards and norms of corporate business ethics. In its activities, the bank uses new technologies that are successfully combined with the best traditions of banking services.

The main thing is mutually beneficial cooperation. That is why each bank client can count on dedicated attention and an individual approach.

The head office of Sovcombank is located in Kostroma, this is the most large bank in this city. The financial institution was founded in 1990. The bank is a participant in the deposit guarantee fund for individuals, which gives confidence in the future against the backdrop of any economic changes and decline in business activity to every individual who has made investments.

Sovcombank: deposits of individuals 2016, interest on deposits

In 2016, Sovcombank presented 4 deposit programs, each of which has its own advantages and features. All of them are multidirectional, so every client (individual) who contacts the bank will be able to choose the best option for themselves. You can make a deposit at any territorial branch of Sovcombank or submit an application online.

To select a suitable program, you must carefully read the offers for individuals, description of conditions, interest rates, and requirements for the investor. The conditions for making deposits differ. Decide how long you want to place your money, how often you want to withdraw interest, and whether you are going to replenish/withdraw money ahead of schedule. To calculate rates, terms and interest, you can use the online calculator on the Sovcombank website.

Deposit "Maximum income"

The deposit was relevant a few years ago and refers to. Today it was introduced at increased rates, which makes the deposit profitable for individuals.

Conditions for placing the “Maximum Income” investment for individuals for 2016:

Sovcombank's investment conditions are very flexible and mobile, they differ from. After the expiration of the validity period, interest is paid to the bank account that was opened by an individual in Sovcombank. The interest is calculated depending on the current rate, which was relevant at the time of signing the agreement.

If an individual wishes to withdraw his money before the end of the agreement, interest is calculated as follows:

• if investments have been placed for more than a year, the interest for the current period is paid in full, as provided in the agreement;
• behind less than a year For the new period of time, interest will be accrued based on their deposit “On demand”, which is established by the internal policy of Sovcombank (for today it is 0.01%).

An individual can make an investment using an online service. When opening a deposit through the Internet bank for a period of 1-3 years, the interest rate increases by 0.5% per annum.

The “Maximum Income” program provides an opportunity not only for profitable placement of money for individuals, but also for obtaining the maximum allowable profit by a certain period. Moreover, if a year has passed and the client wishes to terminate the contract early, he will not lose interest during this period and will receive money to his bank account opened with Sovcombank.

Deposit “Fixed income”

The “Permanent Income” program belongs to the traditional line of deposits for individuals in 2016. It provides for the payment of interest every current month, while maintaining fairly favorable placement conditions and increased profitability.

Conditions of the “Permanent Income” program for individuals for 2016:

You can replenish the deposit with any amount convenient for the client (individual), but its size cannot exceed the initial investment amount. In this case, you can deposit funds either in cash or by bank transfer.

Interest is calculated monthly on the date that corresponds to the date of signing the agreement. When determining the interest rate, the “Demand” rate is taken into account.

Sovcombank deposits that were issued for 1-3 years:

1. after the expiration of a full calendar year, interest is accrued based on the annual rate specified in the agreement;
2. income for an incomplete annual period is accrued depending on the “Demand” rates.

If for a period of less than a year the depositor withdrew his interest, the difference between the amount paid and the accrued interest is reimbursed from the principal amount of the deposit.

Advice: when making a deposit with Sovcombank in 2016 through the Internet bank for a period of more than a year, the interest rate automatically increases by 0.5%.

Deposit “Interest on Interest”

“Interest on Interest” is an investment for individuals that provides for the capitalization of interest every month.

Such a program, under the terms of the signed agreement between Sovcombank and an individual, provides for the calculation of compound interest. This means that interest is accrued periodically, but not on the principal amount of the deposit, but taking into account accrued income for previous periods. Based on this, we can conclude that the longer the placement period, the greater the profit you can get.

Let's consider the main conditions of the "Interest for Interest" deposit for 2016:

You can replenish the deposit with any amount convenient for an individual client, but the amount of payment should not exceed the initial investment amount in Sovcombank. Methods of depositing money - both cash and non-cash payments.

Interest is accrued during the term of the agreement. If the depositor does not withdraw this money, it goes to the deposit and will be cashed out after the end of the contract along with the principal amount.

Deposit “Always at hand”

Today, the Always At Hand program is characterized by flexibility and mobility. It gives you the opportunity to manage your funds while earning income. Ease of replenishment at any convenient time, the ability to withdraw money up to a minimum balance - these and other advantages are offered by Sovcombank to individuals in 2016.

Terms of registration:

During the term of the agreement, the amount of all additional contributions should not exceed the starting amount. You can top up your deposit with any desired amount without restrictions.

Also, the “Always at hand” program allows partial withdrawals without loss of interest. You can withdraw money up to the minimum balance, which is equal to the minimum deposit.

Sovcombank: interest rates on deposits for pensioners for 2016

Today, pensioners can make a deposit under the following programs:

1. “Maximum income” (high interest rates);
2. “Fixed income” (with the ability to receive accrued interest every month");
3. “Interest on interest” (with the ability to capitalize interest, carried out every month);
4. “Always at hand” (any operations at any convenient time).

To open the selected pension deposit, like , you can contact the territorial branch of Sovcombank or open a deposit online.

Online registration algorithm:

1. explore the range of offers and choose the best option for yourself;
2. go to the official website of Sovcombank by filling out the “Password” and “Login” fields;
3. click on the “Deposits” section;
4. click on the “Opening” or “Replenishment” section;
5. fill out the provided bank form;
6. Confirm opening via SMS.

Also, each investor can close a pension deposit without leaving home. To do this you need to do the following:

1. go to the Sovcombank website, indicate your username and password;
2. select the “Contribution” option;
3. determine the deposit you want to close;
4. select the “Close” option;
5. after that, indicate the direction where you want to transfer the savings - to an account opened with Sovcombank or another financial and credit institution, for this, write down the details;
6. confirm your actions by sending an SMS.

Conditions for opening deposits at Sovcombank

Placing your money on deposit today at Sovcombank is very simple and convenient. If you have any questions, you can contact any office or territorial division of Sovcombank. You can also call the toll-free hotline, which operates 24 hours a day and is free throughout Russia.

Who has the right to place funds on deposit, requirements for an individual and additional opportunities:

1. age limits – 14 years and above;
2. the ability to register a deposit in your name or send it to the office of your representative;
3. the possibility of issuing a power of attorney in the name of another individual who will have the right to dispose of invested funds (this can be done in the territorial division in which the deposit was opened).

How can it be profitable for individuals to place their money at Sovcombank?

Increasing your income is the main goal of every investor (individual). In order to achieve this goal, it is advised to divide the principal amount into several parts and take advantage of several programs at once.

Even earlier, interest rates for individuals were set depending on investments: than more amount– the higher the bet. But today they are equal, and you can count on a high percentage when investing a minimum amount of 1 thousand rubles. For pensioners, the minimum amount is 1 ruble.

After this, carefully study all the deposit programs presented for 2016. Think about ways to place a deposit - will you need money in the near future, do you need to constantly withdraw interest, etc.

A big plus is that even if unforeseen circumstances occur, if the deposit is closed early, it is possible to receive accrued interest for the year. Also, some programs today allow you to replenish your deposit in the amount of one thousand rubles, without restrictions for pensioners.

Each individual depositor receives confidence in the safety and return of funds, regardless of political and economic situation in the country, since Sovcombank is part of the deposit insurance system.

Sovcombank showed itself as stable bank, reliable partner. Today its activities are focused on providing services to individuals, introduction social programs, rendering favorable conditions for pensioners.

Save the article in 2 clicks:

The bank offers 4 deposit programs, each of which has its own characteristics and advantages. This makes it possible for absolutely any investor to choose the best option for themselves. In addition, Sovcombank offers relatively high interest rates and flexible conditions.

In contact with

In this review, the site’s correspondent will tell in detail about all of Sovcombank’s current deposit programs, available to both ordinary individuals and pensioners.

Each of our readers in Moscow, St. Petersburg and other Russian cities can compare their interest rates and conditions and choose the best option.

Sovcombank deposits for individuals in 2020

Today you can open the following deposits in the bank

It should be noted right away that depositors have the opportunity to increase their income if they use the Sovcombank Halva card.

How to increase your bet with the Halva card

Sovcombank deposit “Convenient”

This is a deposit with replenishment, as well as the possibility of partial withdrawal of funds without loss of interest. Money in the amount of 1000 rubles or more can be transferred both in cash and by non-cash method. The only main thing is that the total amount of all additional contributions does not exceed the initial deposit amount. You can withdraw funds up to a minimum deposit amount of 50,000 rubles. Like other Sovcombank deposits, there is an increase in the interest rate when making payments with the Halva installment card.

Interest rates

When opening in the office and via the Internet

Duration, days	Bid	When calculating Halva
		6,1

Conditions

☑ Duration: from 91 to 1095 days;
☑ Amount: from 50,000 rubles;
☑ Replenishment: yes;
☑ Partial withdrawal: There is;
☒ Capitalization: no;
☑ Payment of interest: at the end of the term;
☒ Early termination: at the “On demand” rate.

Sovcombank deposit “Permanent income”

This is a deposit from monthly payment percent. It is suitable for those who can put it in the bank a large sum in order to live later, withdrawing the accrued interest. The account can also be replenished if there are available funds. The downside is that withdrawal of the principal amount of the deposit (partial or full) will result in the loss of accrued interest.

Interest rates

In rubles

Duration, days	Bid	When calculating Halva
		5,8%
		5,8%

Conditions

☑ Duration: from 31 to 1095 days;
☑ Amount: from 30,000 rubles;
☑ Replenishment: yes;
☒ Partial removal: no;
☒ Capitalization: no;
☑ Interest payment: monthly;
☒ Early termination: at the “On demand” rate.

How to open a deposit in Sovcombank

Deposits for individuals can be made in branches or via the Internet.

✓ In the department

If you are not yet registered in Sovcombank Internet Banking, you will have to visit a bank branch.

1 Contact any of the nearest Sovcombank offices. You must have a Russian passport with you.
2 The operator will help you fill out the necessary documents.
3 Deposit money into your account.
4 Deposit is open!

✓ Via the Internet

If you are already registered in Sovcombank Internet Banking, then you can open a deposit without leaving your home.

1 Log in to the Internet bank sovcombank.ru using your login
2 From the menu, select “Open deposit”.
3 Select a suitable deposit using the filter, or select an option from the proposed list.
4 Read the terms and conditions.
5 Fill out the short form, indicating the deposit amount in the “I want to invest” field. If you want to transfer funds from another bank, then in the “Debit from account” field, select the “replenish the deposit later” option.
6 Confirm the operation via SMS.

How to replenish deposits

Today you can replenish bank deposits for individuals both in the branch and online. For this:

1. Log in to the Internet bank sovcombank.ru using your login
2. Go to the “Deposits” section.
3. Select the deposit that you plan to top up, click the “Top up” option.
4. Deposit money by transferring it from your account at Sovcombank, from another bank or from a card of another bank.
5. Fill out the short form.
6. Confirm the operation via SMS.

Conclusions: which Sovcombank deposit is the most profitable today

In this review, the site’s correspondents examined in detail all of Sovcombank’s deposit programs operating today. Now we can draw some conclusions. Let's compare the profitability of deposits, bringing them to a common denominator. Let's say we want to invest 100,000 rubles for 1 year. Which deposit will have the highest interest rate?

Comparative table of profitability of Sovcombank deposits

(based on the amount of 100,000 rubles and a period of 1 year)

*) without taking into account the increase when paying with the Halva card

As you can see, the most profitable deposit today is the “Winter Holiday” deposit.

However, it should be noted that the conditions for setting interest rates at Sovcombank are quite confusing. Therefore, before you make a deposit, be sure to carefully read the agreement and check all the details with a bank employee, says an expert on the website for deposit programs Victor Davidenko.

Question answer

? Is it possible to open several deposits at once?

Yes. The client can make any number of deposits.

? Is it possible to withdraw money before the deadline?

Yes. You can do this at any time. But interest will be accrued based on the interest rate of the “Demand Deposit” deposit, which currently amounts to 0.01% in rubles.

? What happens if you don’t withdraw the money at the end of the deposit period?

In this case, the deposit will be extended on the terms and at the interest rate in force at the bank on that date. The extension of the deposit is terminated after the bank makes a corresponding decision. In this case, the money is transferred to a bank account for payments to individuals.

? Are there deposits for pensioners at Sovcombank today?

Unfortunately no. For example, at Sberbank pensioners will receive maximum interest on deposits regardless of the amount. Rosselkhozbank has special deposits for people of retirement age. But Sovcombank does not provide for anything like this today. Senior citizens will receive the same percentage as ordinary individuals. However, this does not make the bank's offer any less attractive.

Professional advice

What determines the interest rate on a deposit?

“Banks offer the highest profitability on classic deposits, that is, without the possibility of replenishing and withdrawing funds during the entire term of the deposit (for example, Winter Holiday - editor's note).

Bank offers with interest payments to another account, that is, without capitalization (For example, Permanent income - editor's note), are interesting to those who want to use deposit income to finance their current expenses.

Replenishable-revocable deposits (For example, Convenient - editor's note) are suitable for those who are not confident in their savings abilities or are only at the very beginning of forming savings. Despite the lower profitability, these deposits have important advantages - they allow you to manage funds and at the same time receive additional income“says Anastasia Gileva, a banking professional and manager of the Absolut-Bank operational office in Ufa.

How reliable is Sovcombank for deposits?

Sovcombank is one of the five largest private banks in Russian Federation by asset size, number of offices and territorial coverage. Sovcombank branches are available not only in Moscow and St. Petersburg, but also in many other cities of the country. To date, the bank has served 4.4 million retail clients living in 1,051 localities in Russia through 2,648 offices.

In addition, it should be noted that the bank is part of the state deposit insurance system. This means that deposits for individuals at Sovcombank are insured by the state. Maximum amount of compensation for insured event Today it is 1.4 million rubles.

Contacts for information and consultations

Find out more about interest rates and terms of deposits on the official website sovcombank.ru

Tel.: 8-800-200-66-96 (calls within Russia are free).

Moscow PJSC branch Sovcombank is located at the address: 123100, Moscow, Krasnopresnenskaya embankment, 14, building 1.

General license of the Bank of Russia No. 963. The information is not a public offer.

Amount of funds in the account banking institution, which the investor places to receive profit in the form of accrued interest, is called bank deposit. When investing his money in a bank, it is advisable for the client to consider the possibility of obtaining maximum income from the deposit and how not to lose previously accrued interest.

Therefore, before drawing up a deposit agreement, it is necessary to consider all possible conditions for placing funds in Sovcombank - a bank with a high degree of reliability that does not let its depositors down even in difficult periods of crisis.

Who can open a deposit at Sovcombank

• A client can become a depositor from the age of 14 until retirement age.
• It is possible to open a deposit both in your own name and in the name of a representative.
• At the bank branch where the deposit is opened, you can issue a power of attorney for the persons to whom you entrust the management of the deposit.

Types of deposits

Sovcombank depositors (individuals) are provided with ample opportunities for every taste, as in national currency, and in foreign. Depending on the planned deposit amount or deposit term, there are the following deposit options (in rubles).

Deposit "Maximum income"

A deposit for clients who want to get the maximum benefit from the funds placed in the bank. The deposit amount is set in the range from 1000 rub. up to 30,000 rub.. During the entire period of validity of the deposit, it can be replenished either in cash or by non-cash payments. Wherein maximum amount replenishments cannot exceed the amount of the initial deposit.

Upon expiration of the agreement, interest is accrued to the bank account of individual depositors. If the client wishes to withdraw the deposit ahead of schedule, in this case the bank pays interest based on the interest rate established for demand deposits at the time of withdrawal of the deposit - 0.01%.

When using the deposit for a full year (2, 3 years):

• for full annual period interest is calculated based on the interest rate specified for the corresponding annual period;
• For an incomplete annual period of funds being in the deposit, interest is accrued based on the “on demand” interest rate at the time of withdrawal of the deposit amount.

Partial withdrawal of the deposit is not provided.

Terms and interest rates

Term (in days)	31-90	91-180	181-270	271-365	366	731	1096
Interest rate	9,5%	10,5%	11%	10,9%	10,9%	10%	10%

Deposit “Permanent income”

Convenient deposit with monthly interest payments. The minimum deposit amount is set at 1000 rubles, maximum – 30000 rubles. Conditions for monthly replenishments are the same as for the “Maximum Income” deposit, and replenishments are possible in cash and non-cash form.

Payment of interest on the deposit occurs every month on the day (day of the month) when the deposit was opened. On the day the deposit expires, the final payment of accrued interest to the current account of individuals occurs. In case of early withdrawal of the deposit, the bank’s rate “On demand” applies.

As in the previous case, partial withdrawal of the deposit is not provided.

Terms and rates

	No possibility of early termination without loss of interest				Early termination without loss of interest every 12 months
Term (in days)	31-90	91-180	181-270	271-365	366	731	1096
Interest rate	9%	9,5%	10%	9,9%	9,9%	9%	9%

Deposit “Interest on Interest”

Convenient deposit with monthly interest capitalization.

Restrictions on the deposit amount are standard at Sovcombank: from 1000 to 30000 rub.. with an opportunity additional replenishment deposit (cash, non-cash).

Interest is paid monthly during the entire period of the deposit. If the interest paid has not been claimed during the deposit period, then payment will be made upon the expiration of the deposit period along with the entire amount.

Terms and interest rates

	No possibility of early termination without loss of interest				Early termination without loss of interest every 12 months
Term (in days)	31-90	91-180	181-270	271-365	366	731	1096
Interest rate	9,5%	10,5%	11%	10,9%	10,9%	10%	10%

Deposit “Always at hand”

The deposit provides for free replenishment and simple withdrawal of money at any time during the term of the agreement while maintaining good interest rates.

The terms of this deposit differ from the terms of previous deposits. So, the minimum deposit amount is already 30,000 rubles, and the maximum is 3,000,000 rubles! Obviously, with such an investment a good profit is expected.

The minimum replenishment amount is 1000 rubles, but not more than the initial deposit amount. Partial withdrawal becomes possible up to the minimum non-withdrawable balance (RUB 1,000), and there is no loss of interest.

Interest is paid monthly. If the deposit is withdrawn early, interest is paid in full for an entire annual period; for less than a full year, the interest rate is 0.01%. Typically the deposit agreement is concluded for 2 years.

The interest rate for deposits in rubles is 6% per annum.

Deposit "On demand"

In other words, a bank account on favorable terms.

In this case, no minimum deposit amount is required. Interest accrual starts from the next day after the deposit is made until the day full refund money to the investor.

After the calendar year of keeping money in the bank, the deposit amount increases by the amount of accrued interest. The interest rate is 0.01% per annum.

Term deposit “Golden Time”

Deposit program for salary projects, for pensioners and other persons receiving social benefits. In practice, this contribution is called a pension contribution. Amount 1 rub. is already considered a contribution.

The income from the deposit is 8% per annum, but if there have been no deposits (salaries, pension accruals), then the bank rate is reduced to 3%. After funds are credited, the interest rate increases.

Interest is accrued from the day following the opening of the deposit. Interest is paid upon closing the deposit along with its principal amount. The deposit agreement is automatically extended after its expiration date.

Deposits in foreign currency

At Sovcombank it is possible to make deposits in US dollars and euros. For this purpose, the profitable programs “Maximum Income”, “Interest on Interest”, “Permanent Income” are used. The interest rate is set depending on the validity period of the concluded agreement:

• demand deposit: 0.1% per annum in both dollars and euros;
• up to 90 days: 0.989% in dollars and euros;
• from 91 to 180 days: 1.989% in dollars and 1.74% in euros;
• from 181 days to a year: 3.491% in dollars and 2.992% in euros;
• from 1 year: 2.995% in dollars and 2.496% in euros.

The minimum amount required to open a deposit is 500 dollars (euros). As for the minimum replenishment amount, it is not equivalent to the amount in Russian currency and is $100 US or 100 euros.

Why is it profitable to place deposits with Sovcombank?

• The conditions for deposits are the same regardless of the amount.
• The bank offers a variety of deposit conditions to choose from.
• Pension deposits in this bank are considered the most profitable.
• All deposits are insured by state system insurance.

An additional advantage is the absolute convenience of registering and replenishing deposits. Now this can be done through Internet banking, as customers love, without leaving their home or workplace.