In 2013 Rosselkhozbank presented an updated line of bank deposits and launched several special offers. The RSHB deposit rates, although the highest on the market, are very attractive for a bank with state participation. Especially against the background of the fact that, under pressure from the Central Bank, many commercial banks had to reduce deposit rates. In the article, we will focus on the pros and cons of Rosselkhozbank deposits, consider current programs and compare rates.
Why choose Rosselkhozbank to open a deposit?
- A bank with state participation traditionally inspires more trust among the population, so if you want to invest an amount of money that will not be fully covered by the DIA (which is currently 700,000 rubles, but will probably increase to 1 million soon), then you should seriously consider the current offer of the bank . However, the rates at Sberbank, VTB24 and RSHB for the main line of deposits are approximately the same, so it’s more a matter of taste and commitment to a particular brand.
- A large branch network of the bank will allow you to use the account throughout Russia, and not just in the branch where the deposit was opened.
- The bank constantly holds incentive promotions for depositors - not so long ago they raffled off a car, and now they give mugs to everyone.
- Most of the bank's programs provide for monthly capitalization of interest, the possibility of replenishment and debit transactions up to a minimum balance.
Comparison of conditions for deposits
| Term | Rate in rubles | Rate in dollars | Deposit amount | Peculiarities | |
|---|---|---|---|---|---|
| Classical | 31, 61, 91, 180, 270, 365, 540, 730, 910, 1095 and 1460 | 6.6-10.25% (depends only on the term) | 1,5-3,75% | from 3 000 rub. | auto-renewal |
| Cumulative | 91, 180, 270, 365, 540 and 730 | 7.65-8.7% (depending on the amount and term) | 1,8-3,4%, | from 3,000 to 1,500,000 rubles. | |
| Managed | 180, 270, 365, 540 and 730 | 6.5-7.5% (depending on the amount and term) | 1,7-3,25% | from 10,000 to 1,500,000 rubles. | |
| golden pension | 91, 180, 270, 365, 540 and 730 | 7.85-8.7% ((depends only on the term) | - | from 1000 to 3,000,000 rubles. | monthly capitalization, replenishment, auto-renewal |
| pension plus | 365 and 730 | 8.4-8.5% (depends only on the term) | - | from 500 to 3,000,000 rubles. | monthly capitalization, replenishment, debit transactions, auto-renewal |
| Children's | 365, 540, 730, 910, 1095, 1460 and 1825 | 7.6-8.05% (depending on the amount and term) | 3,05-3,55% | from 3,000 to 5,000,000 rubles. | monthly capitalization, replenishment, debit transactions |
| Gold | 91, 180, 270, 365, 540, 730, 910, 1095 and 1460 | 7.8-10.3% (depends only on the term) | 2,2-4,05% | from 1,500,000 rubles | auto-renewal |
| Platinum | 91, 180, 270, 365, 540, 730, 910 and 1095 | 6.5 - 8.1% (depending on the amount and term) | 1,75-3,45% | from 1,500,000 rubles | monthly capitalization, replenishment, debit transactions, auto-renewal |
| 130 years of growth (share) | 91, 180, 270, 365 | 6-12% (depends only on the term) | - | from 3 000 rub. | monthly capitalization, auto-renewal |
Overview of deposits of the Russian Agricultural Bank
- 130 years of growth (share)- this deposit is valid until the end of March and allows you to get a yield of 6 to 12% per annum. Interest on the deposit is calculated as follows: for the first 91 days - 6%, after the first prolongation - 7%, then 10% and 12%, respectively - a total of 3 contract extensions are available, i.e. The maximum deposit term is 1 year. Interest is capitalized on a monthly basis, and in case of early termination, what was accrued before the next prolongation is retained. On average, for the entire period, we receive a rate of 8.75%, which is higher than the rates for other deposits with a duration of 1 year, in addition, you can invest any amount over 3,000 rubles.
- Classical- this deposit has the highest yield in the line, subject to the placement of funds for 4 years, and the amount of the deposit does not play a role. The minimum period for placing funds is only 1 month. Unfortunately, replenishment and debit transactions are not provided - in case of early withdrawal of funds, interest is charged at the demand rate.
- Cumulative- depending on the amount and term of the deposit, the rate ranges from 7.65 to 8.7% per annum. This deposit can be replenished, and interest on it will be credited to your account every month.
- Managed– capitalization, replenishment and spending up to the amount of the minimum balance – this deposit allows you to manage your money as flexibly as possible. Money can be deposited for a period of six months to 2 years.
- Golden pension and pension plus- 2 deposits for pensioners, the interest on which does not depend on the amount of invested funds, and the minimum amount is only 1000 and 500 rubles, respectively.
- Children's- according to the bank's idea, you can open this deposit for your child in order to save up money by the age of majority. The maximum term is 5 years, the rate is up to 8.1%, depending on the amount and term.
- Gold and Platinum- the difference between these two deposits, bearing the names of precious metals, is the ability to replenish the deposit and withdraw money from it. Both deposits are designed for wealthy clients, since they are opened in the amount of at least 1.5 million rubles. It is interesting that gold in the bank is valued more than platinum - the rates on this deposit are much higher and reach 10.3%.
The choice of a bank program will depend on how much money you have and whether you plan to carry out regular deposit operations (replenishment, withdrawal of funds).
What banking products Rosselkhozbank offers pensioners today
Rosselkhozbank has a whole line of products for pensioners, which today includes individual deposits on favorable terms and bank cards, as well as loan offers at relatively low interest rates.
Today there are three special deposits for persons of retirement age in the RSHB:
1. "Profitable pension" with the maximum interest rate;
2. "Retirement income" with the possibility of replenishment;
3. "Pension plus" with replenishment and withdrawal without loss of interest.
Who can open pension deposits in the RSHB
Deposits for pensioners in Rosselkhozbank are opened upon presentation of a pension certificate or a document from the Pension Fund of the Russian Federation on the establishment and / or appointment of an insurance pension. In special cases, it is also possible to open a deposit by providing a court document on the appointment of a monthly life allowance, if any. But you can do without a pension certificate, especially since the Pension Fund stopped issuing them, replacing them with certificates.
The provision of a document from the Pension Fund of the Russian Federation is not required if the depositor has reached retirement age: for women 55 years old, for men 60 years old, and also if no more than 2 months are left before these years.
BY THE WAY! Elderly people can also apply for a Rosselkhozbank pension card, which allows them to receive additional income in the form of interest accrued on their account balance.
And now let's move on to the actual interest rates and conditions.
What deposits for pensioners are there in Rosselkhozbank today
Elderly people today can choose any of the deposits of individuals of the Russian Agricultural Bank in rubles and US dollars with favorable rates and conditions. And we will begin our review with special pension deposits.
Deposit of Rosselkhozbank "Profitable Pension"
This is a classic deposit that allows the client to invest savings at a high interest rate. But only to replenish the account or partially withdraw money, if they are suddenly needed, is strictly prohibited. Otherwise, you can lose all accrued interest.
A feature of this deposit is also a fairly wide choice of terms for investing money: from 3 months to 4 years. Accordingly, you can deposit funds in the bank for a short period, or you can immediately for several years.
Like all deposits of the Russian Agricultural Bank for pensioners, this deposit has a very low minimum amount - only 500 rubles. But, of course, it makes no sense to open a deposit without replenishment with the amount of 500 rubles. You won't earn anything from it. So it is advisable to give the maximum possible amount to the bank at once. But we must remember that in case of early termination of the deposit agreement, interest is paid at the rate "On Demand".
Conditions
Term: from 3 months. up to 4 years.
Amount: from 500 rubles.
Refill: no.
Interest payment: at the end of the term or monthly to the account.
Interest rates
|
Term, days |
At the end of the term |
Monthly |
See also profitable deposits for pensioners in Sberbank -
The contribution of the Russian Agricultural Bank "Pension income"
This deposit is also opened only upon presentation of a pension certificate. Its main distinguishing feature is the possibility of replenishment. Additional contributions are accepted throughout the term. This is a plus. But debit transactions with the preservation of the interest rate are not allowed by the conditions. This is a clear minus.
Of course, if you suddenly need all your savings, then you can terminate the contract with the bank ahead of schedule at any time and withdraw the money. But it is advisable to do this only as a last resort. After all, in case of early demand of the deposit, interest is paid at the rate “On demand”.
So, take the money after the expiration date. And if you forget to do this, the deposit agreement will be automatically extended for the same period.
By the way, if you have a deposit of more than 50,000 rubles, you will be issued a free card with the tariff plan "Amur Tiger - card for deposit."
Conditions
Term: 395, 540 and 730 days
Amount: from 500 to 2 million rubles.
Replenishment: yes.
Expense transactions with the preservation of the interest rate: no.
Interest payment: monthly to the account or capitalization
Interest rate of the "Pension income" deposit
|
395 days |
540 days |
730 days |
Deposit of Rosselkhozbank "Pension Plus"
This is a pension deposit with the possibility of replenishment, as well as partial withdrawal of money without loss of interest. It is very comfortable. The main thing is to make sure that at least 500 rubles remain on the account. But such freedom of handling money also has its drawbacks - not a very favorable interest rate. So you have to choose - either the ability to withdraw money at any time or high interest rates.
Another feature is the monthly capitalization, which allows you to increase income by increasing the amount of money invested. The possibility of withdrawing interest is not provided separately, since you can already withdraw part of the money, at least once a month, at least every day.
But remember that in case of early withdrawal of all money, interest is paid at the minimum rate "On Demand". So it’s better not to do this, but to leave a minimum balance on the account - 500 rubles.
Conditions
Term: 395, 730, 1095 days.
Amount: from 500 rubles to 10 million rubles
Replenishment: yes
Debit transactions with the same interest rate: are provided subject to maintaining a minimum balance of 500 rubles.
Interest rate of the "Pension Plus" deposit
|
395 days |
730 days |
1095 days |
Rosselkhozbank deposit calculator for pensioners: calculate income
The online deposit calculator of the Russian Agricultural Bank for individuals will help you calculate income depending on the interest rate and term. It allows you to find out the profitability, taking into account capitalization, replenishment and withdrawal of funds from the account.
Deposits of individuals of Rosselkhozbank without benefits for pensioners
Pensioners can open in Rosselkhozbank not only special deposits for the elderly, but also other deposits of individuals, which today may turn out to be even more convenient and profitable.
1.Deposit of Rosselkhozbank "Profitable"
This deposit involves receiving a high percentage even with a small amount of money. Can be opened through remote service channels. If you have an account from 50,000 rubles, a free card is issued with the Amur Tiger - card for deposit tariff plan.
Conditions
Amount: from 3,000 Russian rubles / 50 US dollars / 50 euros;
Term: from 31 to 1460 days;
Replenishment: no;
Expenditure operations: no;
Interest payment at choice: at the end of the term or monthly, to the account or capitalization.
Interest rate
2.Deposit "Reliable Future"
Opening this deposit is possible with the simultaneous acquisition of an investment life insurance policy (ILI) by one of the insurance companies - partners of the bank. The amount of the ILI policy must be equal to the down payment on the deposit.
Conditions
Amount: from 50,000 rubles
Term: 180 and 395
Partial withdrawal without loss of interest: not provided;
Interest rates
|
Amount/ Term |
180 days |
395 days |
3.Deposit of the Russian Agricultural Bank "Investment"
The investment deposit of Rosselkhozbank for individuals provides an opportunity for clients, including pensioners, to receive income both from the money placed on the deposit and through investments in mutual funds. When opening a deposit, a free card is issued with the tariff plan "Amur Tiger - card for deposit".
Conditions
Term: 395 and 730 days;
Amount: from 50,000 rubles / 1,000 US dollars;
Replenishment: not provided;
Debit transactions with preservation of interest: not provided;
Interest payment: at the end of the term.
Interest rates
up to 1.60% per annum in US dollars.
See also 10 profitable deposits in reliable banks of Russia - an overview >>
4.Deposit of the Russian Agricultural Bank "Amur Tiger"
This is a standard term deposit of individuals from the Russian Agricultural Bank with a monthly interest payment on a card with the Amur Tiger - card to deposit tariff plan.
Conditions
Term: 395, 540 and 730 days.
Amount: from 50 thousand rubles.
Refill: no.
Expense transactions with the preservation of the interest rate: no.
Interest payment: monthly to the account of the card with the tariff plan "Amur tiger - card to deposit".
Interest rate
|
395 days |
540 days |
730 days |
Replenished deposits of Rosselkhozbank
Pensioners can arrange deposits of individuals with the possibility of replenishing the account in Rosselkhozbank. Their interest rates are somewhat lower, but you can save money by saving them to an account in a reliable bank.
5.Deposit of the Russian Agricultural Bank "Replenished"
The deposit of individuals of Rosselkhozbank is suitable for pensioners who want to accumulate funds for a specific event or date. It can be opened through remote service channels (in this case, the interest rate on the deposit will be higher). If there is a deposit of more than 50,000 rubles, a free card is issued with the Amur Tiger - card for deposit tariff plan.
Conditions
Term: from 91 to 1095 days
Amount: from 3 thousand rubles / 50 dollars or euros.
Replenishment: yes.
Minimum additional contribution: 3,000 Russian rubles / 50 dollars or euros.
Expense transactions with the preservation of the interest rate: no
Interest rate
See also the most profitable replenished deposits today - overview >>
6.Deposit of the Russian Agricultural Bank "Save up for a dream"
This deposit of individuals from Rosselkhozbank with preferential early termination will be of particular interest to pensioners who plan to purchase real estate or a car on credit. If 90 percent of the deposit amount is directed to the down payment on a mortgage or a car loan issued in Rosselkhozbank, then if the deposit is demanded ahead of schedule, interest is not lost.
If there is a deposit of more than 50,000 rubles, a free card is issued with the Amur Tiger - card for deposit tariff plan.
Conditions
Deadline: 730 days.
Amount: from 3,000 Russian rubles / 100 US dollars or euros.
Replenishment: yes.
Minimum additional contribution: 3,000 Russian rubles / 100 USD or EUR.
Expense transactions with the preservation of the interest rate: no.
Interest payment: monthly capitalization.
Interest rate
Deposit of the Russian Agricultural Bank with partial withdrawal of funds without loss of interest
This deposit for individuals may be of particular interest to pensioners, since it allows you to freely manage money in a bank account: replenish the deposit and withdraw money, if necessary, without loss of profitability. In this way, it is similar to the Pension Plus deposit, but it has its own characteristics.
7.Deposit of Rosselkhozbank "Comfortable"
The Rosselkhozbank deposit can be useful for pensioners who are used to planning their expenses. Can be opened via Internet Banking and Mobile Banking. If there is a deposit of more than 50,000 rubles, a free card is issued with the Amur Tiger - card for deposit tariff plan.
Conditions
Term: from 91 to 730 days.
Amount: 10,000 Russian rubles / 150 USD or EUR.
Replenishment: provided no later than 30 calendar days before the end of the deposit term.
Minimum amount of additional contribution: 5,000 Russian rubles / 100 USD or EUR.
Debit transactions with the preservation of the interest rate: provided subject to the preservation of the minimum balance.
Interest payment: monthly to the account or capitalization.
Interest rate
8 .Savings account deposit
This is a new financial product that is becoming more and more popular among the Russian population. This is a kind of electronic wallet. It can be replenished, you can withdraw money up to 0, but it will still be valid, and indefinitely. Until you close.
The peculiarity of the savings account in the RSHB is that the accrual of interest is carried out daily on the balance of funds on the account as of the beginning of the business day. Here is the interest payment monthly on the last working day of the month by crediting the amount of interest due to the account.
Interest rates
Conclusions: what is the most profitable contribution of the Russian Agricultural Bank for pensioners
On this page, correspondents of the Business Information Agency TOP-RF.ru reviewed the deposit programs of the Russian Agricultural Bank for pensioners and ordinary individuals. Which one is the most profitable?
If we consider only special offers for pensioners, then the choice is not great. Remember, there are only three of them. But they cover almost the entire spectrum of customer needs.
1. "Profitable pension" has a high interest rate and a wide choice of terms for investing money;
2. "Retirement income" gives the client the opportunity to replenish his bank account;
3. "Pension Plus" allows you to freely use money: replenish and withdraw funds without losing interest.
Now let's compare their profitability with the same amount and term of investing money. We will invest 100,000 rubles for 395 days and see which contribution is more profitable.
Accordingly, if you need the maximum percentage, then it is better to open a “Profitable pension” deposit. Of course, it will not work to replenish the account and partially withdraw money without losing income, but the percentage is very profitable. In addition, you can choose the appropriate term and method of paying interest.
About bank
Rosselkhozbank in 2014 not only updated its online presence and made the site more modern, but also paid attention to updating the line of deposit products. This year, more than 10 deposits are offered for investors who prefer reliable investments. The conditions for placing temporarily free funds for individuals are different and it is worthwhile to first familiarize yourself with all the available options in order to choose the most suitable for specific purposes.
So, what kind of deposits does Rosselkhozbank offer to individuals in 2014?
To save cash
Contribution " Poste restante"In its essence, it is an analogue of a wallet, which is located in the bank for better safety. It does not bring much profit, but on the other hand, you can fearlessly keep any amount on your account, access to which can be obtained without hindrance. Also, without restrictions, you can replenish this deposit. You can open it in any of the three major currencies, but in rubles, and in dollars, and in euros, the rate will be the same - 0.01% per annum. The term of placement is any, the minimum amount for opening is 10 rubles or 5 units of foreign currency.
Similar offer - contribution " AgroPartner". Only the initial payment, which is also the minimum balance, is 300 rubles, and the term is strictly limited - 2 years. Replenishment and partial withdrawal is possible at any time. Such a deposit will bring 2% per annum to salary clients of Rosselkhozbank.
To accumulate from a young age
Contribution " Children's”is opened in the name of a minor child. The term of such a deposit reaches 1-5 years. The minimum for placement is 3,000 rubles, 100 dollars or euros. The larger the amount and term, the higher the interest rate. Interest is charged in the range of 7.4-9% per annum in rubles, 1.65-3.85% in dollars and 1.7-3.35% in euros. Deposit with capitalization and the possibility of replenishment. There is a restriction on the additional contribution - it must be more than 1000 rubles or 50 dollars (euro).
For pensioners in 2014
For representatives of the older generation, there are special offers from Rosselkhozbank in 2014:
Contribution " pension plus» without time limits, amount and minimum balance - 500 rubles, free replenishment and partial withdrawal of funds, rate - 7-7.3% per annum;
Contribution " golden pension» - minimum for opening - 1000 rubles, placement period - from 3 months to 2 years, interest rate - 6.3-7.5% per annum. Capitalization, replenishment, inability to withdraw funds.
To increase capital
On the deposit Classical» You can put any amount from 3,000 rubles for a period of 31 days to 4 years. As a result, it will bring from 6.6 to 9.95% per annum in rubles, or 0.6-3.85% in foreign currency. No replenishment or use of funds during the term of the contract. Interest is paid at the end of the term, and in case of early withdrawal of money, it is completely recalculated at the demand rate.
Contribution " Gold» also does not provide for regular accrual of interest, replenishment or spending. But he promises the maximum rate, the minimum amount when opening a deposit is 1.5 million rubles, the term is from 3 months to 4 years, the rate is 6.55-10% per annum in rubles.
For passive income
It is possible to withdraw monthly interest on the following deposits:
« Platinum» - from 1.5 million rubles, for 3 months - 3 years, at 6.5-7% per annum, with replenishment from 30 thousand rubles and the possibility of partial withdrawal;
« Managed» - from 10,000 rubles, from six months to 2 years, the rate is 6.35-6.7% in rubles, you can replenish and partially spend;
« Managed plus» - from 1.5 million rubles for 1-2 years at 7.2-7.5% per annum, with replenishment and withdrawal up to the amount of the initial contribution to the deposit.
To receive savings by a specific date
Contribution " Cumulative"allows you to choose any period from 91 days in order to receive your money by a certain date with an increase of 6.3-7.7% per annum in rubles or 0.85-2.4% in dollars and 0.7-2, 05% in euros. There is capitalization, replenishment is possible, but only no later than a month before the end of the deposit term and in amounts of more than 3,000 rubles or 100 euros / dollars. The same amount will be required when opening a deposit.
All these opportunities are provided by Rosselkhozbank for depositors in 2014. The main thing is that this bank with state participation, which is part of the deposit insurance system, which allows you to safely place savings for any convenient period.
The financial institution Rosselkhozbank is the only institution on the territory of the Russian Federation that is directly related to lending to agricultural enterprises and servicing individuals from rural areas. This bank has been a leader in the ratings of reliability and other indicators for a number of years and continues to expand its product line for all categories of customers. According to the results of the past year, Rosselkhozbank firmly took the fourth place in terms of its own assets, and it was also awarded a respectable second place in the rating in terms of the size of the network of branches and branches. Today it is one of the largest organizations with more than one and a half thousand corporate outlets throughout the country. As of 2014, the bank had 10 deposit programs in use, relevant for various categories of depositors. Similar offers are expected by Rosselkhozbank clients in 2015 as well.
The bank's deposits this year expect a temporary fading of the growth of rates, which, however, is not an indicator of the activity of the institution itself. The fact of the suspension of the increase in profitability is caused, first of all, by the relevant directives of the state regulator and a noticeable recession in the economy, which affected the activities of the entire banking structure.
Among all the bank's products for depositors in 2014, ruble deposits and foreign currency deposits will be offered. They also expect conditions with the possibility of partial withdrawals and replenishment.
"Classic" deposit for maximum income
Opening this deposit is possible for clients with an investment amount of three thousand rubles or more than 100 euros. It is also possible to open a foreign currency deposit in dollars - for this you need to deposit $100 into your account.The terms of this deposit do not limit the size of the maximum investment. But still, there are other restrictions concerning, first of all, the possibility of early or partial withdrawal - this function is not provided for in the contract. This deposit program is one of the long-term projects, the terms of which allow placing funds for a period of up to four years.
One of the advantages of this deposit is that you can open a deposit online, while receiving a surcharge on the base rate of 0.2 percent. To date, this deposit is one of the most promising not only in the line of the Russian Agricultural Bank, but also among similar proposals in other institutions of the banking structure. This is evidenced by the established interest rates on this deposit account.
For deposits in foreign currency, the rate of return is determined at the level of up to 3.75 percent per year - both for deposits in euros and for dollar deposits. Ruble deposits are more profitable and bring the depositor up to 10.55% of profit per year. However, this level of profitability is determined by the size of investments and the period of their placement.
Deposit "Cumulative" - a piggy bank in the Russian Agricultural Bank
This is how you can characterize the effect of this deposit agreement. The conditions of this deposit make it possible to use it as a means for accumulating money upon receipt of profitability, both in foreign and domestic currencies.The rate here allows you to earn up to 7.25 percent per year on deposits in rubles. Currency deposits bring profit in the amount of 1.5% to 3.00 percent for dollar investments and from 1.35 to 2.75%% - in euros. The same 0.2% bonus is promised here for those investors who decide to open a deposit via the Internet.
The availability of this deposit is also attractive for many investors with a small amount. Here you can start investing from 3 thousand Russian rubles or from 100 units in European or American currency. The accrual of earned interest in this bank occurs regularly every month.
Deposit "Managed" - for regular use of income
This deposit belongs to the category of managed deposits. Its owner has the right to both replenish and withdraw part of the funds in the form of income received from interest accrual. To open this bank account, you must deposit a minimum amount of ten thousand rubles in domestic currency. The equivalent of a foreign currency for opening a deposit account is 300 dollars or a similar amount in euros.You can enjoy all the benefits of this deposit for a period of up to two years, but there is also the possibility of a short-term deposit of six months.
The rate of return here is floating and is set depending on the amount of investment and the period of placement of funds. However, - as in most other deposit products. In reality, a depositor can claim 6.86-7.10 percent per annum for ruble deposits. With regard to foreign currency investments, this figure is much lower and amounts to 1.35-2.20 percent per year for the euro, and 1.50-2.50% per annum for investments in dollars.
"Managed plus" - a prospect for reputable investors
There are practically no differences in this contribution from the previous conditions. The difference is noticeable immediately in the amount of investments. The minimum entry threshold for the Managed Plus deposit program starts from one and a half million rubles, while the maximum amount is limited to 50 million.With regard to partial withdrawals or deposits, there is a prescribed format, which, however, includes some restrictions on the amount. For example, with frequent replenishment, the conditions do not allow accumulating the total amount of such investments if it is three times the amount of the initial investment. With regard to withdrawing funds in a small proportion from the account, this is possible only in the second half of the placement period and not earlier than three months after the last withdrawal.
This type of deposit belongs to the ruble category and includes a yield in the amount determined by the size of the placement period: for a one-year placement of money, 7.40% of the profit will be accrued, for one and a half years of investments, a rate of 7.60% is provided, and for a deposit for two years - 7, 70 percent.
"Gold" deposit for wealthy investors
Here, all parameters and characteristics have very high values. To open this deposit, you must have an impressive amount, which will not be less than 1,500,000 rubles. To invest in foreign currency, you will need to deposit at least 50 thousand euros or the same amount of dollars on a deposit account.But the cumbersome size of the deposit conditions is not limited to this and provides for quite acceptable dividends, the amount of which reaches 10.75 percent in ruble terms. For deposits in dollars under this program, the yield is set at 1.80-4.00 percent per year. The European currency, when placed on this deposit, will bring its owner the amount of income from 1.65 -3.85%% per year. It should also be noted that the amount of investment does not affect the profitability of the deposit at all, and the size of the rate is determined solely by the period of its placement in the bank.
In addition, in the "Golden" deposit it is allowed to make regular partial withdrawals of money from the account in the form of interest. Also, the possibility of replenishing the deposit is not limited.
Profitable deposits from Rosselkhozbank
The prospect of investing in bank deposits in this particular banking institution is dictated immediately by convincing arguments.Firstly, the stability of its work and the reliability of the placement of funds have been proven in this bank over the years.
Secondly, this institution offers a fairly wide selection of deposit programs, some of which were mentioned above. Although, in addition to these deposits, the bank also has targeted programs aimed at certain social strata of the population.
Thirdly, what intrigues every depositor is presented precisely at Rosselkhozbank. This is a high yield against the backdrop of loyal conditions for the placement of funds.
It was these circumstances that allowed the bank to retain its entire target audience and attract new customers.
RSHB was created and launched in 2000. The work of the organization started on the initiative of the President of the Russian Federation, and it was aimed at supporting the agro-industrial sector. At the moment, the company is listed in the top ten objects in terms of proposed assets, offering unique deposits in Rosselkhozbank today for pensioners.
Everything is reliably insured in the DIA system, and this also applies to remotely opened investments. A huge number of interesting products for the user, designed to save and increase money, are provided. Profitable conditions for individuals are provided not only for loans, but also for previously issued accruals.
Modern clients of a banking institution are currently provided with several options for deposits. The interest on them directly depends on the size of the deposited assets, on the total investment time. There are several interesting offers for users. A few lucrative bonuses need to be explored in more detail.
Retirement income
The deposit is opened only after the presentation of the certificate. A special feature is the provision of a product with a special tariff "Card to deposit". Retirement account terms as follows:
- The time is a maximum of 730 days;
- The amount ranges up to 2 million;
- Interest 7.50%.
It is possible to replenish, but expenses with full preservation of interest are not provided. Accrued bonuses can be withdrawn every month, but at the same time they are transferred and the standard capitalization of interest.
Pension Plus
This is a special deposit that provides the possibility of unlimited replenishment. If desired, it can be opened to a minor loved one. A card is issued in hand as an addition. The main benefits include:
- Time minimum 395 days.
- The amount can reach 10 million rubles.
- Possibility of replenishment from 1 ruble.
- Accruals - approximately 7.20%.
It is possible to replenish at any time. Debit transactions can be made with the full preservation of previously accrued assets. This rule is preserved while leaving the established minimum amount equal to 500 rubles. According to the accrued bonuses, the bank provided for a monthly capitalization.
Amur tiger
The most popular urgent account category. It is popular with users. The following conditions are provided here:
- Time - as in the two indicated;
- Size - from 70 thousand to a minimum;
- Interest on open items is approximately 7.20%.
It is impossible to replenish, it is not allowed to carry out the necessary debit cash transactions.
Save up for a dream
This offer is characterized by the possibility of early profitable termination of a previously concluded agreement. This is one of the most interesting offers for a person planning to make a major purchase - a personal car or a selected property. It can be a purchase for cash after a certain time and on credit.
If you wish to take 90% of the amount and use it to make a down payment on the acquisition, in case of early transfer, the rate will not be lost. A card is also issued here as an add-on. Issuance is carried out with an investment of 50 thousand. Among the main conditions are:
- Time not less than 2 years.
- The amount is at least 3,000 rubles.
- The rate ranges from 6.80 to about 8.35%.
There is no replenishment of the open asset. It is not possible to carry out spending manipulations with money while maintaining previously accrued interest. Speaking about payments at a rate, it is noted that there is a profitable capitalization carried out every month.
People of retirement age are able to open profitable offers for a person with a constant deposit of funds to an open asset. The rates here are slightly lower, but at the same time, you can save money by transferring to your name.
The main financial products are popular standard savings with floating interest rates. Its amount directly depends on the duration of the concluded agreement, as well as on the amount received by the bank.
On the site you can use a special calculator and use it to choose the best option. You need to enter the amount, deposit term and other additional comfortable options into the calculation system, you can get a complete list of eligible assets that are fully suitable for the conditions.
Pension plus deposit at Rosselkhozbank in 2020
According to numerous experts, Pension Plus is in demand among the numerous proposals. Among the main advantages are:
- It is possible to connect the automatic transfer of the set amount immediately upon accrual to the card. Based on this, we can conclude that it is provided only for customers receiving payments from this particular bank.
- It is allowed to open a profitable asset in your own name, in the name of a minor grandson or other relative. In this situation, if a person dies, it will not be necessary to wait half a year for the right to enter into inheritance law.
- Sufficiently flexible conditions for permanent management are provided.
- Another advantage is the absence of unacceptable rules for outgoing and incoming transactions while maintaining a simple condition regarding the minimum balance. For a pensioner, this is an admission to freely and at their own discretion manage their money.
- There is an automatic extension.
No less profitable offer is "Save up for a dream." It is attractive by providing benefits upon termination of the contract before the deadline, which is relevant in the process of buying a vehicle and real estate.
Rosselkhozbank official website deposits 2020 for today for pensioners
It is possible to make deposits for pensioners in Rosselkhozbank for 2020, the interest rates of which are very high, there are three different methods. You can do this in person by visiting any bank branch. Here a profitable financial product is chosen and an official contract for financial services is concluded. Funds are transferred through a standard cash desk, cash may be required.
You can open via the Internet. You will need to go to a nearby branch, conclude an official contract for the provision of services and obtain information in order to enter the "Internet Office", a personal profile. Then through it you can go to the site. It is allowed to personally select an investment for yourself, based on the rules of an open asset. On the profile page, it is possible to replenish by transferring funds from the card.
In some cases, the method of opening through a standard ATM is used. You will need to do the following:
- You need to visit any bank branch.
- A comprehensive service agreement is signed.
- It is required to come and pay the previously established amount.
- In the device menu, select "Open deposit" and then you need to follow the instructions.
At the end, you need to order a check. This will be the main document confirming the opening process. The check will reflect the name, time, deposited amount, rate and other key information.
Deposits in Rosselkhozbank for today for pensioners for 2020
To quickly open the selected profitable asset, the pensioner must provide a certain package of documents. It is issued with such references as:
- Passport - it is required without fail and for all types of deposits.
- Personal phone number. It is required to draw up a formal agreement on banking complex services. Also, a functional mobile bank will then connect to the phone.
- Pensioner's ID.
- A certificate received from the Pension Fund of the Russian Federation and confirming the receipt of an insurance pension.
As an addition, a court decision regarding the assigned life maintenance may be provided. If you provide all the necessary documents, the opening will not take much time. Everything takes no more than 30 minutes.
Contribution of pension income in Rosselkhozbank for today
Currently, pensioners are provided with savings for inflated bonuses. Many of them are replenishable, often it is possible to withdraw part of the funds and not lose the level of profitability received. Many deposits have maximum rates.
Dear elderly people can apply for a special Rosselkhozbank card, which will allow them to receive a fairly high additional income. You can also use profitable deposits in Rosselkhozbank at interest in 2020 for pensioners
Summing up
For the most part, products are characterized by high interest rates. You can choose from a whole range of financial products designed for all categories of individuals. It can be bank cards, loans with low interest rates.
A feature of this financial institution is the provision of the most favorable conditions specifically for pensioners. To open a deposit today, it is enough just to present an official pension certificate. You can open an account by visiting the official website of the RSHB, having previously studied the interest rates that are relevant in 2020. When choosing, it is possible to use a calculator, indicate the pension income and find out what percentage will be provided.