Rozhdestvensky deposit in Orient Express bank, rubles (RUB). Rozhdestvensky deposit in Orient Express bank, rubles (RUB) Early withdrawal of money
Capitalization: There is
Refillable: No
Partial withdrawal: No
Interest payment: Annually
Other conditions:
Early withdrawal: In case of full early withdrawal of the deposit, interest for the entire period of storage of funds is charged at the rate of the deposit "On demand". Moreover, if during the period of actual storage of funds, this rate changed, then each value of the rate applicable in corresponding period time.
Rate increase as you accumulate: No
Preferential termination: No
Special conditions: For the participants of the Bank's program "Interest as a gift" (the conditions are posted on the information stands of the Bank), an additional bonus (annual) is added: Bonuses are not summed up. The largest possible bonus is accrued. Except for the bonuses specified in clauses 3., 5. These bonuses are summed up. When opening a deposit in the Internet Bank, the rates of Tariff zone 3 apply. Bonuses do not apply when opening a deposit through the Internet Bank.
The ability to open a deposit online for bank customers: There is
Orient Express is a bank that has been operating since 1991. For 25 years, the bank has been constantly improving and increasingly branched out its regional network. Today it is one of the largest banks in the Russian Federation: the deposit portfolio exceeded 124,000,000,000 rubles.
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Deposits in the bank are guaranteed by the state, since Orient Express is a member of the deposit insurance system.
Conditions
To open a deposit on Orient Express, you need a document that will certify the identity of the depositor.
Not only a citizen of the Russian Federation can become a client of the bank. To open a deposit, a foreign person will need a passport, migration card, as well as documents confirming the right to legally stay on the territory of the Russian Federation.
Bank deposits can be placed for various periods, from 31 days to 3 years. Rates can be as high as 11.67% per year.
Additionally, the bank offers a debit card as a gift, as well as bonuses to regular customers, pensioners and customers who open deposits remotely. The minimum deposit amount is 30,000 rubles.
Deposits are insured, security and safety of funds are guaranteed by the state!
How to open?
If you, a potential depositor, decide to stay on the Orient Express, then you should know that the conclusion of a deal with the bank takes place as soon as possible.
You can open a deposit:
- at the nearest bank office;
- through the Internet bank service.
Choosing the first option (personal visit to the office of a banking institution), the potential depositor must provide the responsible employee with a document that will verify his identity.
The specialist will help you choose a deposit that will best meet the needs of the client (replenished, without replenishment, capitalization, partial early withdrawal of the deposit, and other nuances).
If the potential depositor is a client of the bank, he can open a deposit using the Internet bank.
To do this, you must register in this service and pick up a deposit. This option saves the depositor's time, allows you to control your savings from anywhere in the world.
Line of deposits
Currently, the bank offers 4 deposit programs with different conditions: capitalization, early withdrawal of part of the funds, replenishment, etc.
The table shows the main conditions for each program:
Program | Period | Bid | Replenishment | Partial recall |
Passbook | 6-24 months | 10,57% | Yes | No |
Christmas | 3-12 months | 11,67% | No | |
Oriental | 1-36 months | 11,41% | No | |
Practical | 6-24 months | 10,28% | Yes | Yes |
The "Practical" deposit can be placed for 1/2 - 2 years, from 100,000 rubles or 2,000 dollars / euro... The advantage of this program is that the deposit is possible not only before investment, but also partial withdrawal to the minimum balance.
Moreover, the depositor can independently, with an accuracy of the day, choose the period of placement. Interest is capitalized or paid to a bank card.
The "Vostochny" deposit allows you to get a high income, up to 11.41% per annum. This contribution is not replenished, not automatically renewable.
Interest can be capitalized or paid monthly. Minimum accommodation - 30,000 rubles or 500 dollars / euro.
Rozhdestvensky deposit in Orient Express Bank
The highest income can be obtained from the "Rozhdestvensky" deposit. This deposit is not replenished, the rate on it reaches 11.67% per annum.
Minimum deposit 30,000 rubles... The bank calculates interest once a month, it can be transferred to a debit card or added to the deposit for capitalization.
Passbook
For this deposit, the interest rate can reach 10.57%, minimum size – 30,000 rubles.
The rate may increase during the term, subject to the transition to a different amount range. Interest is capitalized or paid monthly.
Interest
The rates in Orient Express depend on the deposit program, the method of opening a deposit, currency, period and other nuances.
If we talk about the maximum profit on deposits in the context of deposit programs, then:
- Rozhdestvensky - 11.67% in rubles, 3.51% in euros, 4.02 in US dollars;
- Vostochny - 11.41% in rubles;
- Sbernizhka - 10.57% in rubles;
- “Practical2 - 10.28% in rubles.
As has been said many times, Orient Express offers bonuses and promotions to its regular, new investors and, of course, retirees.
Note that:
- when concluding a deposit agreement using the Internet bank, the bank will add 0.1% per annum to the basic rate;
- when contacting a pensioner's bank to open a deposit, the bank offers + 0.1% per annum to the rate;
- when concluding an agreement with a regular customer, the rate increases by 0.5% per annum.
Bonuses can be added up!
Insurance
Naturally, when looking for a financial institution to place a deposit, the client wants to make sure that the funds are deposited safely.
Concerning Orient Express and, bank customers can be calm about the safety of their savings.
Deposits placed on Orient Express are insured. Since 2005 the bank has entered the system compulsory insurance deposits.
The only exception is for the following categories of deposits:
- bearer deposits;
- deposits transferred banking institution in trust management;
- deposits placed in branches of Russian banks that are located abroad.
Requirements for depositors
Anyone can become a depositor in Orient Express individual which will present Required documents... These can be both citizens of the Russian Federation and citizens of foreign states.
As such, the bank does not put forward requirements for potential depositors. A client wishing to open a deposit must bring identity documents to the bank office.
If a potential depositor wants to open a deposit through the Client-Bank, he mandatory must be a client of the bank, as well as pass identification and registration through this service.
List of documents
To open a term deposit in a bank, a potential depositor must provide:
1.residents:
- passport;
2.non-residents:
- national passport;
- migration card;
- documents confirming the right to stay on the territory of the Russian Federation.
In the bank potential borrower will be offered to write an application for opening a deposit, fill out a form for obtaining a bank debit card, and also sign a deposit agreement.
Early withdrawal of money
No one is immune from force majeure situations that urgently require financial investments. Therefore, depositors often ask the question of whether it is possible to withdraw the entire amount or part of the deposit ahead of schedule.
Orient Express guarantees that, upon first demand, the depositor can withdraw his savings in full by closing the deposit agreement ahead of schedule.
But, the client must understand that in such an operation, the interest will be recalculated and accrued at the demand rate.
The only exception is for the "Practical" deposit; expense transactions, without loss of accrued interest. You can partially withdraw the deposit up to the amount of the minimum balance.
And you can find out more about microcredits on a passport at the following.
Advantages and disadvantages
Customers who are regular investors in the Orient Express point out many advantages of cooperation with the bank.
Here are just a few of them:
- deposits are insured;
- opening and control of a deposit using the Internet bank;
a small line that does not "confuse" depositors, the client can independently compare the conditions for all deposits and choose a profitable option for himself;
- at the conclusion of the contract, banking debit card For a present;
- high interest rates;
- bonuses and promotional offers to regular and potential investors;
- withdrawal of a deposit or closing of an agreement can be carried out at any office of the bank.
Features and limitations of the contribution Rozhdestvensky
Conditions for partial early revocation without loss of interest:
During the entire storage period of the deposit, it is allowed to make a partial early withdrawal of the deposit once up to the amount of the minimum balance, i.e. up to 90% Money on the account at the time of partial early withdrawal of the deposit, but excluding capitalized interest.
In this case, interest on the entire amount of the deposit, including the amount of partial withdrawal (until the date of claiming the specified amount by the depositor), during the storage period of the deposit is charged at the rate determined in the terms of the urgent agreement bank deposit at the time of signing.
In the event of partial early withdrawal on other terms, interest on the deposit is calculated based on the rate on the "On Demand" deposit, based on the actual number of days the funds were in the deposit account. Moreover, if during the period of actual storage of funds, this rate changed, then each value of the rate valid in the corresponding period of time is used for the calculation.
Conditions for full early revocation without loss of interest:
In case of full early withdrawal of the deposit, interest for the entire period of storage of funds is charged at the rate of the deposit "On demand". Moreover, if during the period of actual storage of funds, this rate changed, then each value of the rate that is valid in the corresponding period of time is used to calculate the interest.