Savings plus deposit in mkb. Savings deposit with a high interest rate ojsc credit bank moscow
Credit Bank of Moscow accepts the Savings + Deposit in Moscow in rubles. Minimum amount deposits from 1000 rubles, the interest rate on the deposit is up to 9.00% per annum for Moscow. The "Savings + deposit" deposit is insured. Payment of interest on the deposit at the end of the term.
Expert opinion website on the pros and cons of this deposit, based on the results of comparison with other deposits of Moscow banks:
- the deposit is insured;
- high interest rate;
- short-term deposit;
- capitalization no;
- payment of interest at the end of the term;
- no auto-rollover;
- partial withdrawal is not possible;
- non-refillable contribution;
Deposit rates and interest
Basic parameters of the contribution
The deposit is insured insured in the DIA Investment capitalization No Growing interest on the deposit No Periodicity of interest payments at the end of the term Deposit auto-rollover No Partial withdrawal No Early withdrawal of a deposit without loss of interest Withdrawal restrictions No
Additional information on the contribution
In case of early withdrawal of the deposit, there are two options: interest for the expired periods of the rate is calculated and paid based on the value of the interest rate, which is set for corresponding period the validity of the rate or interest for the current (incomplete) period of validity of the rate is calculated from the day of the beginning of the period of validity of the rate until the day of early withdrawal of the deposit and is paid at the rate of the interest rate established for deposits "on demand". If in the current (incomplete) period of validity of the rate the rate established for deposits "on demand" has changed, then each value of the rate is applied in accordance with its validity period, established in the Bank for the calculation of interest.
You can apply for this deposit at any of the bank's 100 branches in Moscow or in another region of presence:
Credit Bank of Moscow interest rateCREDIT BANK OF MOSCOW offers its depositors a savings deposit with a high interest rate, which is called - "Savings + deposit". The highest interest rate in rubles on the deposit is 10.5% "per annum". The deposit can also be made in US dollars or Euros.
The following interest rates have been established for the savings deposit by the Credit Bank of Moscow:
High interest rate deposit
The main conditions of Credit Bank of Moscow for the proposed deposit with a high interest rate are as follows:
- The minimum amount of a savings deposit is 1,000 rubles / 100 US dollars, euros.
- The contribution is not replenished.
- Contribution does not include expense transactions(except for the complete early closure of the deposit).
- The contribution is made only by transferring funds from a valid card or current account.
- Automatic renewal is not provided.
- For a period of 6 months: from 1 to 95 days and from 96 to 190 days.
- With a period of 12 months: from 1 to 190 days and from 191 to 380 days.
- interest for the expired periods of the rate is calculated and paid on the basis of the value of the interest rate established for the corresponding period of the rate;
- interest for the current (incomplete) period of validity of the rate is calculated from the day of the beginning of the period of validity of the rate until the day of early withdrawal of the deposit and is paid on the basis of the amount of the interest rate established for deposits "on demand". If in the current (incomplete) period of validity of the rate the rate established for deposits "On Demand" has changed, then each value of the rate is applied in accordance with the term of its validity, established in the Bank for the calculation of interest.
So, in case of early closing of the savings deposit, interest income may depend on the closing date:
- If you close the deposit within the first period of the deposit, the interest will be calculated at the rate "On demand";
- If you close the deposit within the second period of the deposit, interest for the first period will be calculated in accordance with the rates set by the bank, and for the period of the second (not full) period at the rate "On demand".
Credit Bank of Moscow (abbreviated as MCB) has already celebrated its 25th anniversary (the company was founded in 1992). In terms of net profit and assets, the bank ranks 9th throughout Russia and in the Central region of the country, and according to the reliability rating, it was awarded a high rating by analysts - A, despite the unstable forecast, according to experts as of February 1, 2020.
Among several basic deposit products - "Just in case", "All inclusive", "On demand", "Savings" and "Pension", the product "Savings +" stands out.
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In order to better understand what such a deposit is, it is tedious to study in more detail its terms and conditions, the rules for registering and using an account.
Conditions
Everyone, both a Russian citizen and a foreigner, can become the owner of a bank account with benefit for himself. Only foreigners need an appropriate document confirming its legal location on the territory of Russia.
But in practice, it is the citizens of the Russian Federation who almost always apply for services on this deposit. With the filing of an application for the "Savings +" deposit from financial institution ICD shouldn't be in a hurry.
It is better to immediately study all the terms of the future agreement, which will be concluded by the parties - between the bank and the client, and then fill out an application. You can preliminarily study the conditions of the deposit using the table.
Terms of deposit "Savings +" from MKB:
In addition to these basic parameters, it is also extremely important to familiarize yourself with other conditions of this type of deposit:
- Currency - only Russian rubles.
- The term is possible only 380 days, you cannot choose another.
- Interest is calculated in two periods - from 1 to 190 days, from 191 to 380 days.
- The total amount of accrued interest is carried out at the end of the entire term of the deposit.
- There is no interest capitalization.
- You can terminate the contract ahead of schedule without any loss of already accrued interest.
- There is no automatic extension of the term of the deposit agreement.
Deposit insurance exists, and it is carried out in accordance with all the rules that are regulated by law.
Unfortunately, on the "Savings" deposit, MKB does not provide an opportunity to additionally replenish it with other amounts, and also does not allow partial withdrawal of money by this account... All debit transactions on the Savings deposit are not provided.
Also, it will not be possible to automatically renew the agreement on such a deposit; to renew it, you will need to submit a separate application at the bank's office or contact the manager of the financial institution in advance.
Deposit interest
According to experts studying the criterion of profitable offers for various banks, for 2020 MKB is one of the largest financiers ready to pay higher rates on deposits.
Especially, this can be clearly seen when comparing with the offers of other larger banks.
So, for example, in Sberbank (the maximum rate is indicated up to 7-7.5%), VTB24 (up to 6-8%) and even in the ultra-modern innovative bank Tinkoff (up to 8-9.5%) and other financial companies the maximum rates on savings on average, you will not find more than 8-8.5% on deposit accounts.
On the other hand, the MCB company has a great opportunity to place its free cash on an account with a rate of 10%.
Of course, the rate level in each case will always depend on the placement period. sum of money on a deposit account:
These rates are valid from November 15, 2020 and will still be valid throughout 2020. In general, it can be argued with confidence that if in other banks average rate it turns out - 6-7.5%, then in the MCB of the company, the average interest is set in the amount of 8-8.5%.
The fluctuations in rates during the period of the deposit agreement depend not only on the period of days, but also the amount of the amount the client is willing to put on the deposit account is also of great importance.
The smaller the amount, the lower the maximum deposit rate can be set, here, too, an individual approach to each case of opening a deposit can play.
An important role is also played by the payment of interest when the client wanted to terminate the contract ahead of schedule and claim his money back along with the accrued interest.
The conditions for withdrawing a deposit, if the owner requests its withdrawal ahead of schedule, together with the termination of the contract, are in the following nuances:
- The rate in practice with early demand shows the following range of values - 0.01-7.5%.
- The interest that was accrued on the amount of the deposit is relied on to be paid only for the elapsed period of time.
- The amount of the rate for the calculation will be taken into account only the one that is set for the corresponding period of placing money on the account under the terms of the agreement.
- The interest that is due on the deposit for the current period, which has not yet expired for the calculation of rates on the amount of the deposit, will be taken into account from the day of the period when the rate came into effect until that day. When the depositor has requested his money.
- In the case of interest for the current period, the rate will be set according to the rules of deposits "on demand".
- In the event that the rate for the "On Demand" deposit has changed, then in calculating the interest payable, each value of such rates will be taken into account, which fully corresponds to their validity periods, which are set by the bank.
The bank MKB also operates a separate free service for regular customers, a preliminary development of a strategy so that the client can get the maximum income from the deposit.
But for this you need to be a client of the bank for at least 2-3 years and become a user of personal service.
Then you will have access to services such as a personal manager, special conditions for deposits, discounts, individual calculations and offers for financial solutions and other privileges.
How to open a Savings deposit in MKB
From the documents for opening the "Savings +" deposit in the ICB, it is enough only to provide an identity card - a passport with registration of place of residence in Russia.
At the same time, it does not play a special role where exactly the registration of the passport holder was registered. The transfer to the open account of the deposit is the actual opening of the deposit.
The conditions for this stage of registration are in the following features:
- crediting to the account from the current account;
- transfer to the account from any card account;
- less than 1000 rubles cannot be initially deposited into the account, then the deposit will not be considered open.
There are several ways to open a deposit:
- Come to the office and submit an application there. Working hours of all ICD offices are from 10:00 to 21:00.
- Submit an application for consideration of the possibility of opening a deposit to the manager on the company's website.
- Fill out and submit the online application yourself.
- Execute a comprehensive service agreement and get full access to personal account through a unique password and login from the bank in order to open a deposit through MKB Online or MKB Mobile.
- Through the bank terminal.
- Call by phone and express your desire.
All of these methods, except for the first, are considered preliminary and are temporary in nature. The first contact with the manager is just a discussion of the details of the contribution, its calculations, a discussion of the subtleties of the design and the possibilities of the client.
Then, in any case, each client will have to go to the nearest office to conclude an agreement there and deposit the amount into an open account.
Features of the contract
It is worth noting immediately one big advantage of such a deposit as "Savings +" - it is the insurance of the deposit of any client under this program, which is carried out by the state.
In other words, all the risks of loss of the deposit, which took place during the perestroika times, today will not affect the depositors.
During the revocation of the license by the Central Bank of Russia to carry out the activities of MKB, in the event of any moratorium that may be imposed by the Bank of Russia on MKB and in other risk circumstances, each client will be paid insurance.
The size of the insurance payment fully covers the size of the deposit, which already indicates the impossibility of losing money for deposit account belonging to the depositor.
The agreement on this contribution should clearly reflect the following important details- information about such important points:
- The amount of the deposit.
- Terms of the deposit.
- Interest rates.
- Deposit insurance.
- Conditions of early termination and receipt of money by the client after the account is closed.
- Responsibilities of the bank.
- Obligations of the depositor.
- Ways to resolve controversial issues.
- Signatures of the parties indicating the details.
It is also very important that the treaty mentions tax exemption for income tax for those customers, on whose deposits the bank has set a rate that is below 16% per annum (5 refinancing rates from the Central Bank of the Russian Federation).
These measures were last introduced in the bank for the period from 12/15/14 to 12/31/15, but now they have been extended. Nevertheless, it is better to ask a bank specialist again about such a tax benefit for the deposit, because such measures can often be canceled.
Profitability calculation
Before submitting an application, each prospective client on the official portal of the bank is given the opportunity to calculate his own profitability on the "Savings +" deposit.
To do this, you just need to enter the page of this deposit, then click the active link "Calculate income".
On the new page that opens, the fields for filling will be visible online calculator a.
In these fields you need to fill in the parameters of the contribution:
- indicate the amount that you are willing to deposit on the account;
- set the term of the deposit;
- then, click "Calculate income";
- you get information below the calculator in the form of a small plate with the results of a preliminary calculation.
All data on the profitability of the "Savings +" deposit, which you receive after the calculations made on the website of the ICB company, are preliminary. Therefore, the final profitability will be calculated for you by the company's specialist after you submit your application.
In any case, each potential investor still has time for a final decision or time to change his mind about making an investment if the final version does not build it.
There is time before signing the contract and before opening an account and depositing the amount on it. After that, if you immediately withdraw money, returning it back, then there is a possibility of financial losses. It is better to immediately discuss all these details with the manager of the company, asking him all his questions.
The Savings + deposit from Credit Bank of Moscow is very profitable and convenient for those citizens who do not plan to use the money invested in the account, but plan to keep it for some time with profit.
The banking system provides a solution so that the money of the population does not just lie under the pillow, but work for its owner and does not depreciate, despite economic situation in the country. Consider what contributions to the ICD are offered for individuals in 2020 in rubles today, including for pensioners.
Clients can put their savings on short-term deposits up to 1 year and long-term ones starting from 365 days. If we talk in general about such deposits, then they are:
- On demand - the client has the right to withdraw money when it is convenient for him without loss of charges.
- Urgent - savings are put in for a certain period:
- with a monthly payment (the client receives accruals on the deposit through bank card or through the cashier's passport);
- at the end of the term (the depositor can receive the body and accruals only after the expiration of the contract);
- with capitalization (meaning that interest works for you, that is, on the first working day of the month, it is transferred from the interest account to the account with the total amount).
WITH general theory we figured it out, now we will consider directly: what deposits are offered by the Moscow Credit Bank for individuals in 2020:
- "Cumulative" with all options.
The minimum contributions are standard, the longer the term, the higher the rate.
- “Accumulative with capitalization” with all options.
- "All inclusive. Estimated ”.
- "Just in case".
This offer differs from the others in that the terms stipulate low rate 4.5% per annum. An account is opened with a minimum amount of 1 ruble, replenished from 200,000 rubles per calendar month, the maximum possible amount on the account is 1 million rubles. Additional privileges remain: capitalization, partial and full withdrawal before the expiration of the contract.
- "Investments" is an investment account opening from 10,000 rubles. It is of interest to brokers who conduct transactions in foreign exchange and stock markets... More information on the official website of the bank.
- "On demand" is an investment of funds on an indefinite basis, with monthly payments, the client has the right to terminate it at any time. Registration is offered at rates:
- 0.1% for RUB;
- 0.01% for USD, EUR.
When opening a deposit in a branch, the client receives the maximum base rate, if an individual chooses additional options, for example, different options for withdrawing a deposit before the expiration of the term and so that the accruals are not lost, then the rate will decrease. Therefore, we recommend weighing what is important - is the mobility and ease of use of the invested money or a high rate. Do not forget about the validity period: the longer the funds are in banking institution, the higher the percentage.
To get + 0.25% to the rate in national currency or + 0.15% in foreign, you must use the following resources:
- MKB Online deposits on the site;
- MKB Mobile;
- terminals.
A branch of a financial institution will not work, since the contract will be open on a general basis.
Offers for deposit products are periodically updated, and profitable new items with high interest rates are developed on holidays.
Life hack: comparing "Accumulative" with capitalization for a period of 12 months at 7.5% and "Maximum income" at 8%, it is better to open an offer with capitalization ( complex charge) since, if you recalculate without capitalization (simple accrual), you will receive a total real rate of 8.5%.
All listed banking products are automatically prolonged at the current interest rate according to the protocol.
Terms of deposit Champion
Credit Bank of Moscow offers the Champion deposit as one of the types of short-term deposits, where the accruals and the body are paid at the end of the term.
- suitable for wealthy citizens, because the starting amount is 100,000 RUB or 1,500 USD.
- simple accrual%;
- there is no replenishment of the account;
- there is no automatic renewal after the end of the period, so it is better to reissue or collect money on time;
- early withdrawal without losses.
The "Champion" deposit in MKB bank is very popular among clients.
Favorable offers for retirees
Seniors can choose any of the above proposals, but not everyone has the money to put in a large base amount, at which a deposit agreement can be opened. Therefore, we can bear in mind the following contribution from the Credit Bank of Moscow for pensioners in 2020:
- "Savings +" account, which can be issued starting from 1000 rubles up to 380 days and select the maximum rate of up to 9%. The client receives payments only at the end of the contract.
Where to find an online calculator for calculating interest
To select a suitable offer, follow these steps:
- Go to the ICD website https://mkb.ru/personal/deposits.
- In the upper right corner, click "Individuals".
- Click on the "Deposits and Investments" menu.
This calculator allows you to quickly select a deposit. The only downside is that it does not show what income you will receive at the end of the contract.
- Select the contribution according to the previous calculator or simply select the appropriate one from the list.
- Click on the deposit you like and click on the "Calculate" button.
The results will reflect the following information:
- interest rate;
- total amount at the end of the term (body plus%);
- sum %;
- term (in months and number of days);
- the ability or absence to replenish the account;
- the presence or absence of the ability to partially terminate the contract;
- the presence or absence of automatic renewal;
- payment of charges at the end of the term or every month (through a plastic card or according to a passport through the cashier);
- conditions for full early termination (at a reduced rate or without the application of sanctions);
- deposit management: adding additional options;
- security;
- requirements for the depositor;
- you can order a plastic card;
- Required documents.
Early withdrawal options. Does the bank apply sanctions in this case?
It all depends on the chosen deposit agreement, i.e. you select a deposit with basic conditions, and then "string" additional options. The operator in a banking institution or the Online system forms an agreement, where you can familiarize yourself with all the conditions:
- no sanctions are foreseen. There are agreements that say that you can withdraw in whole or in parts without losing the accruals, but the percentage will be much lower. For example, "Champion".
- the ability to withdraw partially, and in case of complete closure of the deposit ahead of schedule at 0.1%. For example, the "Settlement" deposit, for which there are restrictions:
- only full withdrawal at a reduced rate of 0.1%. Similar conditions can be found in the "Accumulative" agreement;
- withdrawal ahead of schedule is not provided under the terms of the contract. For example, "Maximum income".
Each selected type of deposit has its own conditions, if "early" is provided, then you switch to another tariff. Find out more in the branch of the banking institution.
Terms of deposit Accumulative
Credit Bank of Moscow offers a "Accumulative" deposit with interest capitalization Online or with simple accrual.
"Accumulative" with simple interest calculation has an option - monthly withdrawal, therefore, in case of early termination, the received payments are deducted from the body of the deposit.
This offer can be used by adults and children from 14 years old with a passport. There is no partial withdrawal here, but if necessary, you can completely terminate the contract, but at 0.1% regardless of the deposit currency.
How to open a deposit in the ICD Online instruction
It is possible to open a deposit agreement without contacting a branch. To do this, follow the instructions:
- Go to the official website of the ICD.
- In the lower left corner, click on the ICD Online menu.
- Enter login and password.
- If you are not registered, then fill in the fields that are indicated below:
- Fill in the required fields in the application.
Summing up
The bank offers competitive offers on deposits. Potential and new clients of the bank can open a deposit by filling out an application On-line in different ways or Off-line in the branch itself. Not all deposits can be opened On-line, however, those that the depositor may receive additional interest and, accordingly, income.
I would like to note that the products from Credit Bank of Moscow are insured, since the bank is a member of the Deposit Insurance System and in the event of a crisis, a depositor can receive up to 1.4 million rubles. \
What deposits of individuals are there today in MKB
As in most banks in Russia, today all the most popular types of deposits are presented in the MCB: at maximum interest, with replenishment, with the possibility of partial withdrawal of money without loss of interest. In addition, there is a special deposit for individuals - retirees, as well as a complex product with the opening of an Individual Investment Account.
The website correspondents summarized the maximum interest rates on deposits of the Credit Bank of Moscow in a comparative table:
Contribution |
Bid |
MEGA Online |
|
All inclusive |
|
All inclusive |
|
All inclusive |
|
All inclusive |
|
New Year's dreams |
|
Savings account |
MKB deposit calculator in 2020: calculate income
Interests and conditions of deposits of ICB for individuals today
Further, the site will consider in detail the interest rates in force today, as well as the conditions for processing deposits of individuals with the Credit Bank of Moscow. And we will begin our review with a new proposal from the bank. It is on him that special attention should be paid to those who want to invest money at the maximum interest.
Contribution of ICB "MEGA Online": interest and conditions
This is a deposit with an increased rate, which can only be issued online - in the Internet Bank or mobile application ICD. Its main advantages are the possibility of replenishment and monthly payment percent. The deposit can be issued for a period of 3 to 36 months in 1 month increments.
Interest rates
Term, months |
from 1000 rubles. |
from 2 million rubles |
5.654% | ||
5.5% | 5.6% | |
5.6% | 5.7% | |
5.7% |
5.8% |
Conditions
Term: from 3 to 36 months;
Min. amount: 1,000 rubles;
Replenishment: yes
- during the first 95 days with a period of 95 to 330 days;
- during the first 185 days with a period from 370 to 1100 days;
Partial withdrawal: no;
Prolongation: no;
Early termination: at the rate of 0.1%.
Credit Bank of Moscow contribution for pensioners "Grand"
Not everyone can apply for this deposit. Contribution is provided only to citizens Russian Federation, which:
Have reached the general retirement age, upon reaching which they acquire the right to receive a pension;
have a pension certificate or a certificate of the appointment of a pension.
It can also be issued to those who have pension card Moscow Credit Bank "Wisdom".
Interest rate
1 g |
1 y. 6 m. |
2d. |
5,7% |
Conditions
Term: 370, 540, 730 days;
Min. amount: 1000 rubles;
Replenishment: yes;
Partial withdrawal: no;
Interest accrual: monthly;
Prolongation: no more than 2 times.
Early termination: at a rate of 0.01%
View the most profitable for today pension deposits in other banks you can
All Inclusive Credit Bank of Moscow
The client opening this deposit in Moscow credit bank, can choose one of four tariff plans, which can then be changed during the term of the deposit: Maximum income / Cumulative / Cumulative with monthly capitalization / Estimated. Each of them has its own characteristics. Let's analyze the conditions and interest rates of each of the tariff plans in more detail.
"Maximum income" tariff
It makes sense to choose this tariff if you plan to get the maximum rate. Interest is paid at the end of the term. It is possible to add options: partial withdrawal, replenishment, monthly capitalization of interest, payment of interest to the account.
Interest rate
In Russian rubles
3m |
6 m |
1 g |
18 m |
2 g |
In US dollars
3m |
6 m |
1 g |
18 m |
2 g |
Conditions
Replenishment: no;
Partial withdrawal: no;
Prolongation: yes.
"Accumulative" tariff
Contribution with this tariff plan can be replenished. Interest is charged monthly to a separate account. It is possible to add options: partial withdrawal, monthly capitalization of interest.
Interest rate
(with monthly withdrawal of interest)
In Russian rubles
3m |
6 m |
1 g |
18 m |
2 g |
In US dollars
3m |
6 m |
1 g |
18 m |
2 g |
Conditions
Term: 95, 185, 370, 540, 730 days;
Min. amount: 1000 rubles / 100 dollars;
Replenishment: yes;
Partial withdrawal: no;
Interest accrual: monthly to a separate account.
"Accumulative with monthly capitalization" tariff
If you choose this tariff, then the deposit will also be replenished. Interest is calculated monthly with subsequent capitalization. It is possible to add options: partial withdrawal, monthly capitalization of interest.
Interest rate
(including interest capitalization)
In Russian rubles
3m |
6 m |
1 g |
18 m |
2 g |
In US dollars
3m |
6 m |
1 g |
18 m |
2 g |
Conditions
Term: 95, 185, 370, 540, 730 days;
Min. amount: 1000 rubles / 100 dollars;
Replenishment: yes;
Partial withdrawal: no;
Prolongation: yes.
Tariff "Settlement"
The deposit with this tariff is replenished; partial withdrawals are also allowed. But its profitability will no longer be so high.
Interest rate
(including interest capitalization)
In Russian rubles
3m |
6 m |
1 g |
18 m |
2 g |
In US dollars
3m |
6 m |
1 g |
18 m |
2 g |
Conditions
Term: 95, 185, 370, 540, 730 days;
Min. amount: 1000 rubles / 100 dollars;
Replenishment: yes;
Partial withdrawal: up to size down payment;
Interest accrual: monthly with capitalization;
Prolongation: yes.
MKB contribution with an income of 7.5% per annum "New Year's Dreams"
This is a comprehensive offer, which implies the simultaneous design of two products:
Deposit for individuals;
contract trust management by means of an individual investment account (IIA).
In this case, you need to invest an amount not less than the size of the deposit.
If these requirements are met, then the client receives an increased interest rate on the deposit. If you terminate the investment agreement, then the base rate is set, moreover, from the date of opening the deposit.
Citizens of the Russian Federation aged 18 to 65 can apply for a deposit.
Interest rates
7.5% per annum in rubles;
5.5% per annum in rubles upon termination of the IIS agreement.
Conditions
Term: 395 days;
Min. amount: 50,000 rubles;
Max. amount: 1 million rubles;
Replenishment: no;
Partial withdrawal: no;
Interest accrual: at the end of the term;
Prolongation: yes.
Savings account of Credit Bank of Moscow
it financial instrument, which allows you to freely manage the funds stored in the bank. You can deposit and withdraw money when you need it. In this case, the bank will daily accrue interest on the amount on the account. And interest is paid monthly on the last calendar day of the month.
The peculiarity of the account is that the interest rate can be increased if you spend more than 30,000 rubles a month from MKB cards. If you spend less, it doesn't matter. The bank will charge interest on base rate.
The increased interest is charged only for an amount up to 500,000 rubles! On the rest of the funds, interest is charged at the base rate, regardless of the costs of the ICD cards.
Interest rate
Amount, rub. |
Card purchases over RUB 30,000. per month |
Purchases with cards less than 30,000 rubles. per month |
6,5% |
||
Conditions
Term: unlimited;
Min. amount: not limited;
Replenishment: yes;
Partial withdrawal: yes;
Interest accrual: daily;
Interest payment: monthly.
How to open a contribution to the ICD
You can put money on a deposit at the Credit Bank of Moscow in several ways.
1 Contact one of the bank branches in Moscow or the Moscow region.
2 If you are already a client of MKB and you have enough money on your account to make an initial deposit on a deposit, you can make a deposit:
In Internet banking MKB Online;
MKB Mobile application;
through the payment terminal.
Question answer
? Who can contribute to the ICD?
Citizens of the Russian Federation over the age of 14 can open a deposit in the Credit Bank of Moscow, unless otherwise specified in the terms of the deposit. For those who are not yet a client of MKB, you must contact the office in person.
? Can I open multiple deposits at once?
You can open any number of deposits for one name, there are no restrictions.
? Can I open an account in the name of another person?
It is possible to open a deposit in the name of another person if you act on behalf of the depositor for notarized power of attorney, which provides for the powers necessary to open deposits. Deposits in favor of third parties in the Credit Bank of Moscow are not opened.
? Is it possible to open a deposit for several people at once, for example, a family one?
Opening a deposit for several people (joint) is not allowed. But it is possible to issue a power of attorney for any capable family member to manage the deposit. To do this, contact the office of the IBC, in which the account is opened, or issue a power of attorney notarized.
? Are deposits of individuals in MCB insured?
Yes, deposits are insured by the state corporation "Deposit Insurance Agency" for an amount of up to 1,400,000 rubles.
conclusions
How profitable and safe is it to open deposits in ICB today?
1 The line of deposits in the Credit Bank of Moscow today is simple and straightforward. It practically does not differ from the one that exists today in Sberbank or VTB.
2 Interest rates on deposits of MKB are slightly higher than in Sberbank, which distinguishes them favorably.
3 There is no doubt about the reliability of investments. MKB is one of the systemically important banks in Russia, which means that the state will not abandon it even if hard times begin in the bank. It will be pulled like Otkritie and Promsvyazbank once did.
4 The network of MKB branches in the regions is not widely developed, and therefore it loses to competitors in terms of accessibility for non-Muscovites.
What is the most beneficial contribution to the MCB for retirees
Credit Bank of Moscow now has a special offer for pension recipients. This is the "Grand" deposit. Based on the size of the interest rate, it can be considered the most profitable for pensioners today. It is also rechargeable. These features make it really attractive.
However, the terms of deposits in the ICB are so democratic that any of the deposits may well be beneficial for older people receiving a pension. The minimum deposit amount in the MCB is only 1000 rubles, and the interest rates are quite high.
Summary... ICD today offers more profitable terms and deposit rates than many other banks in the Russian Federation. Opening a deposit in MKB can become a really reliable and profitable investment of savings, says Viktor Davidenko, an expert on the site for deposit programs.
About the bank
Credit Bank of Moscow is not as popular among the population of Russia as Sberbank, and therefore let me tell you a little about the bank itself.
So, ICD works on Russian market banking services since 1992. TO today he grew up to be universal commercial Bank providing all types of services for corporate and private clients, as well as financial and credit organizations. It became one of the systemically important banks in Russia.
The territorial network of MKB is concentrated in Moscow and the Moscow region, where today there are more than 90 branches and 20 operating cash registers... The network of payment banking devices includes over 5,740 payment terminals and 1,040 ATMs.
Since 2004 Credit Bank of Moscow has been a member of the Russian Deposit Insurance System.
Contacts for inquiries
For more information about the conditions and interest rates of deposits of individuals for individuals and pensioners, ask a bank employee.
Phone in Moscow: +7 495 777-4-888 (round the clock), 8 800 100-4-888 (free calls within Russia).
Postal address: 107045, Moscow, Lukov lane, 2, building 1.
General license of the Bank of Russia No. 1978. The information is not a public offer.