Raiffeisenbank retail deposits. Raiffeisenbank deposits
Raiffeisen Bank has 7 deposit options for individuals. And although Raiffeisenbank positions its deposits as super-profitable, not all of them can be easily opened... Let's take a look at the conditions, interest rates and special requirements for potential / existing clients of the bank. You can calculate your deposit using a convenient online calculator.
If this is your first time applying to Raiffeisenbank, then this deposit is for you. The rate reaches 7,8%
, and this is a solid percentage in comparison with other second-tier banks.
However, to become a contributor, you need to have from one hundred thousand to two million in domestic currency. These are the upper and lower bounds for the conditions.
Important: take a responsible attitude to the choice of the amount of invested capital.
Because you cannot change it.
- Deposits and withdrawals are not available.
- Profit is capitalized: the entire amount is taken as the basis for calculating each subsequent period, including those accrued for previous periods.
This way you can keep the cache up to two years and then contact the department for renewal. It will increase for the same period, but on different terms. You will be switched to the “Stable growth” tariff at the rate 5,58%.
AO Raiffeisenbank is a part of the Austrian banking holding of the same name, which is active in the foreign exchange and interbank market. In terms of the number of assets, the bank ranks 15th in Russia. Raiffeisenbank focuses on private clients, more than a third of liabilities are deposits of individuals. Since 2005 has been a member of the deposit insurance system. Raiffeisenbank has many partner banks (including Tatfondbank, Uralsib, MDM, Unicredit, Rosbank and others) that have a partner ATM network with it. Due to these features, the 2018 retail deposits offered at Raiffeisenbank and interest on them are popular.
Raiffeisenbank: retail deposits 2018 - interest on deposits
The bank offers its clients several products at once in various categories:
- with the highest possible rate;
- with the possibility of replenishment;
- savings accounts;
- for VIP clients;
- multicurrency (two types);
- complex - a deposit with the simultaneous ability to make investments or take out accumulative life insurance;
- for payroll clients.
All standard Raiffeisenbank deposits for individuals in 2018 are presented in the table.
Name | Minimum amount | Currency | Deadline 31 | 91 | 181 | 365 | 730 | Interest accrual | Deposit / withdrawal |
---|---|---|---|---|---|---|---|---|---|
Profitable | 50000 | Ruble | 7.5 | 8.5 | No no | ||||
Personal choice | 50000 | Ruble | 2,50 - 3,50% | 5,50 - 5,50% | 7,00 - 8,00% | 7,00 - 7,50% | 6 | Monthly (capitalization or payment) | Not really |
3000 | Dollar | 0.1 | 0,10 - 0,20% | 0,10 - 0,20% | 0,20- 0,30% | 0,20 - 0,50% | |||
3000 | Euro | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |||
the freedom of action | 50000 | Ruble | 2 | 2 | 4,50 - 5,00% | 6,00 - 6,50% | 5 | At the end of the term | |
3000 | Dollar | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 | |||
3000 | Euro | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |||
Salary | 30000 | Ruble | 2,00 - 2,50% | 5,00 - 5,50% | 6,00 - 7,00% | 6,00 - 7,00% | 5.5 | Monthly (capitalization) and at the end of the term | Yes / yes, up to the minimum balance amount |
3000 | Dollar | 0.1 | 0.1 | 0.1 | 0.2 | 0.2 | |||
3000 | Euro | 0.1 | 0.01 | 0.01 | 0.01 | 0.01 | |||
Savings account "For every day" | 1 | ruble | 5-6 % | 5-6 % | 5-6 % | 5-6 % | 5-6 % | Monthly (capitalization) | Yes Yes |
Premium deposits in the bank
In addition to standard products, Raiffeisenbank offers many other interesting offers with an increased interest rate, the ability to connect various currencies or additional bonuses.
When activating the “Golden” or “Optimal” packages, you can open a special tariff “Welcome!”, When connecting the “Premium” package - “International +”. Also, for clients with a capital of 1 million rubles or more, it is possible to open a multicurrency deposit with increased interest.
The online service "Save with us!" Is interesting. The peculiarity of the tariff is that the client chooses the goal of accumulation and, depending on it, receives a gift along with the accumulated interest. When choosing the goal "Real estate", he receives a discount of 0.25% of the mortgage rate, "Own business" - 3 months of free service under the "Start" package. The minimum rate is fixed - 5%, profit accrual - monthly. Minimum amount: 800 thousand rubles for Real Estate and 500 thousand rubles for Own Business.
Features and conditions of other deposits of individuals in Raiffeisenbank 2018 and interest on deposits are shown in the table.
Name | Minimum amount | Currency | Deadline 31 | 91 | 181 | 365 | 730 | Interest accrual | Deposit / withdrawal |
---|---|---|---|---|---|---|---|---|---|
Triple benefit (multicurrency deposit) | total amount | Ruble | 5.5 | 6 | Monthly (capitalization) | No no | |||
Dollar | 1.5 | 2 | |||||||
Euro | 0.5 | 1 | |||||||
International + | 5 000 000 | Yen | 0.05 | 0.1 | 0.1 | 0.1 | At the end of the term | No no | |
Pounds | 0.2 | 0.3 | 0.3 | 0.3 | At the end of the term | No no | |||
Welcome! | 50000 | Rubles | 6,00% / 6,50% | 8,00% / 8,50% | At the end of the term | No no | |||
Investment (deposit + mutual fund) | 50000 | Rubles | 6.5 | 8.5 | 8.5 | At the end of the term | No no | ||
7 | 9 | 9 | |||||||
Insurance (deposit + life insurance) | 50000 | Rubles | 6.5 | 8.5 | 8.5 | At the end of the term | No no | ||
7 | 9 | 9 |
Deposits in Raiffeisenbank for today for retirees
Despite the fact that the bank offers many different products designed for a wide variety of population groups, there are no special deposits in Raiffeisenbank for pensioners today. However, they will be interested in other opportunities to preserve and increase their capital:
- "Personal choice" helps to save funds by a certain date, and the amount to enter is not so significant;
- "Freedom of action" allows you to freely dispose of your capital, withdraw money if necessary and replenish if you have free funds;
- you can connect a card to a savings account and use the account as a debit card with interest on the balance.
Future pensioners will be interested in NPF SAFMAR, which offers investment of the funded part of the pension to increase future payments.
How to open a deposit
To open deposits with Raiffeisenbank today, you can follow two paths. The first one - in person, at the branch, the second - remotely, via the R-Connect Internet banking system or the R-Mobile mobile application.
In the first case, you just need to go to the Raiffeisenbank branch with a passport, fill out an application for opening a deposit, sign an agreement and deposit funds through the cashier. Some types of deposits, for example, "Investment" or "Triple benefit", can only be opened in the office.
All others are faster and more convenient to open remotely. For this you need:
- issue a personalized debit card at the bank;
- top up it for the required amount through a cashier, terminal or ATM;
- follow the link https://connect.raiffeisen.ru/rba/get-rconnect-access.do;
- click "Login to R-CONNECT", then - "Connect right now!";
- in the registration form, indicate the card details, enter the security code and receive the data for entering the bank;
- select the "Deposits" category in the R-Connect Internet banking menu, select the appropriate tariff and follow the instructions of the system until the transaction is completed.
Raiffeisenbank's deposits are aimed at people with different income levels. If you decide to take advantage of the offers, remember: the maximum possible income can be obtained if you make a deposit for a long time and for a large amount without the possibility of partial withdrawal.
What are Raiffeisenbank deposits?
Raiffeisenbank's deposits on our website are presented in 7 variants. Pensioners can open a cash deposit on favorable terms. Higher interest rates are offered for them. The best deals are for payroll clients. You can also take advantage of seasonal promotions, you can get full information about them on the official website of the bank.
Open a deposit at Raiffeisenbank at interest - to secure your savings. The bank is a member of the compulsory deposit insurance system and belongs to the European banking group. Thanks to the latter, it receives additional financial stability.
Conditions of deposits of Raiffeisenbank?
Interest rates on Raiffeisenbank deposits are different today: from 0.01 to 7%. In order to save and increase funds, you can put an amount from 1 to 10,000,000 rubles. The period can be from a month to 730 months.
Raiffeisenbank proposes to make rates on deposits taking into account:
- the possibility of partial withdrawal of funds;
- timing;
- replenishment.
Raiffeisenbank presents to the attention of potential investors and depositors five programs with different profitability and parameters depending on the term, the deposited amount and the purpose of the investment. It is necessary to consider the key conditions and the nuances of their design.
Current deposit programs
Today, five Raiffeisenbank deposits are available to potential clients for investing personal savings of individuals. They differ among themselves by the term, duration of the contract and the minimum amount of funds deposited.
"Profitable"
This product will allow you to multiply your savings with the greatest benefit.
In this case, there are the following features:
- interest is capitalized monthly;
- additional contributions and partial withdrawals are not provided;
- the yield in foreign currency is 0.01%.
For the ruble account, a grid of interest rates has been established depending on the amount and term:
The client will be able to receive the maximum percentage if he puts money in the bank in the amount of 2 to 20 million rubles for a period of 91 days (6.1% per year).
"Personal choice"
The Personal Choice program in rubles or US dollars allows you to make additional contributions and independently choose the option of receiving accrued income. Contract parameters:
Peculiarities:
- the account has no restrictions on the limiting value;
- % are capitalized monthly to the balance;
- % grows with an increase in the size of the deposit;
- the yield on dollars is 0.01% per year;
Annual income (%) varies as follows:
"The freedom of action"
Such a product provides for the ability to replenish and withdraw money without losing interest. The terms of registration are as follows:
Partial withdrawals are allowed until the minimum threshold is reached. The interest rate directly depends on the size of the account and the urgency of placing the money:
There is no maximum deposit size.
"Salary"
By registering such a product, the bank's client receives favorable conditions and increased income. Design parameters:
Peculiarities:
- the contribution is only in rubles;
- the maximum amount of the deposit is not limited;
- no prolongation;
- % is set in the range from 2 to 5.1% per year, depending on the urgency of the money and the amount.
"Triple benefit"
The Triple Benefit deposit is multicurrency and can be opened in three currencies: ₽, $ and €. Suitable for clients belonging to the Premium and VIP segments who are ready to place investments in Raiffeisenbank in the amount of over 1 million rubles. Key terms are summarized in the table below.
Design nuances:
- the share of the ruble part must be at least 50% of the total amount of the deposit;
- the annual rate for dollars is 0.5 - 0.7% per year, for euros - 0.1 - 0.2%;
- interest is calculated monthly (added to the account balance in each currency);
- renewal is not provided.
Features of deposits
All deposit products of Raiffeisenbank, which provide for additional payments, have the option of connecting to the Auto-Top up service. Connection is carried out free of charge through the bank's information center or at any service office. At the same time, it is possible to independently configure the frequency of the transfer and the amount.
Each deposit can be opened in two ways: remotely via the Internet bank or at a convenient service office upon presentation of a passport. The adult population of the Russian Federation, including residents and non-residents, can invest their savings and use this banking service.
On the official website of Raiffeisenbank in the section of deposits for individuals for 2017, for their convenience, customers can use a simple and intuitive deposit calculator that will help to calculate future profitability and choose the optimal program.
Each client of the bank can manage the deposited money remotely through a mobile application and Internet bank, avoiding visiting a branch and significantly saving his time.
A reliable reputation of the bank, participation in the state insurance system, a variety of products offered and favorable conditions for registration are the determining factors for investment and savings and the receipt of stable additional income by individuals in 2017.
In Raiffeisenbank, individuals are invited to arrange deposits under various programs. Depending on the needs of potential investors, you can choose an investment option with the most acceptable and attractive terms. Let's consider the current programs of the bank.
How to choose a deposit for an individual
Raiffeisenbank 2017 accepts deposits from individuals under any of the existing programs. A variety of conditions will provide an opportunity to choose the option that is most promising from the point of view of the client. The number of simultaneously opened deposits is not limited, you can issue several at once, according to different programs. When choosing, you can focus on the following parameters:
- Potential return, measured as a percentage;
- The term for which the contract is concluded;
- The ability to withdraw funds or make deposits;
- Ways to make a profit - transfers to a separate account or adding to the amount of investments on the basis of capitalization.
It should be noted that for maximum profit in 2017, you should choose the option with the most stringent conditions (no withdrawal, with capitalization and payment of income at the end of the contract). It is these deposits that are distinguished by higher rates and high yields. In addition, all investments in the bank are graded according to the following parameters:
- Contributions for potential and existing clients;
- Offers for persons receiving wages through a bank;
- Combined programs;
- Savings accounts.
Current deposits of Raiffeisenbank
You can place funds with the aim of making a profit in the bank in a conservative direction or on deposits combined with investment products - this will allow you to receive additional income or insurance coverage.
Conservative investment rates
In 2017, the bank has four programs, which are standard deposit offers, they are available to everyone and do not contain bonuses for special categories of the population (individuals):
Profitable - not replenished and spending is not allowed. Profit payment is set at the client's choice - every month to a separate account or to a deposit account. Opens for a period from 1 month to 2 years. Amount restrictions: minimum 50 thousand rubles, 5 thousand dollars or 15 thousand euros, maximum - 40 million rubles in total for all accounts opened within the framework of the Profitable deposit. The minimum rate for foreign currency deposits is 0.1%. For investments in rubles:
For the Personal Choice deposit in 2017, replenishment is possible, but withdrawals are prohibited. The maximum amount of placement is up to 40 million rubles. or 500 thousand dollars. The interest rate in rubles is up to 5.4%, in dollars - a single 0.01% (in euros - cannot be opened). The maximum amount is not limited, the validity period is from 31 days to 1 year (366 days). Initial payment: not less than 50 thousand rubles. or 5 thousand dollars. Dividends are added to the principal (capitalized) or paid monthly.
Deposit Freedom of action differs from the previous program by the possibility of partial withdrawal during the term of the agreement (up to the minimum deposit amount). And also by the way of receiving income - at the end of the term, together with the principal amount. The maximum rate for the program in rubles is 4.8%, in dollars - a single 0.01%;
Deposit Triple benefit - multi-currency deposit with the opening of 3 accounts at the same time. Mandatory conditions will be: a minimum contribution of 1 million rubles. with a share for a ruble account of at least 50% of the total amount. Validity: 181 - 366 days. Rates: up to 4% / 0.7% / 0.2% in rubles / dollars / euros, respectively. Replenishment and partial withdrawal are not provided, interest is calculated monthly and added to the principal amount.
Interest on joint products
For individuals wishing to receive an increased interest on the deposit in 2017, deposits that are combined with additional banking services are suitable. Raiffeisenbank has four such programs:
Welcome - for individuals who have subscribed to the Premium and Premium Direct service packages, if a month has passed since the moment of subscribing. The deposit is opened in rubles, the entry threshold is 50 thousand rubles, it can be placed for only two terms - 3 months or six months, while the amount of interest does not depend on the term. Operations on a deposit account are prohibited, and you can make a profit only after the expiration of the contract.
On the deposit Welcome, interest rates are assigned depending on the amount invested
The deposit for individuals, combined with the insurance program, is called the Insurance deposit. Upon its registration, interest is transferred to the account after the expiration of the obligations, and transactions on it are prohibited. With the simultaneous registration of Raiffeisen Life insurance, the following interest will apply:
Investment deposit is a deposit, part of which is channeled under the management of Raiffeisenbank's mutual funds. As with the above deposits, the replenishment and spending of funds on the deposit is prohibited, and interest is paid at the end of the term. At the same time, the part invested in the mutual fund is not limited by the amount of profitability, while the bank guarantees income only within the limits of the interest declared in the deposit.
For payroll clients
The program provides for higher interest rates for salary clients than in the conservative block. In general, the Salary deposit is similar in terms of its terms to the Freedom of action deposit. With maximum access to the money placed on the account (deposits and withdrawals are allowed), but the interest rate increases to 5.1%.
In this case, the minimum amount is 30 thousand rubles. (opens only in national currency), and the maximum top-up amount is 40 million rubles. Dividends can be paid both at the end of the term with capitalization and monthly. That is, the conditions for salary clients are more favorable and loyal, and the percentages are higher.
Savings accounts 2017
For those who wish to receive income on a constant basis, to be able to withdraw the deposited funds at any time without losing interest and replenish the account without restrictions, it is worth considering such bank programs as savings accounts. This convenient deposit option for individuals is 2017 Raiffeisenbank. Interest is charged on any amount on a daily basis. Fixed rates: 4.5% for all clients, 5% for salary clients. At the moment, on these conditions, you can open:
- Savings account For every day;
- Open r / s within the online service Save with us.
Their conditions are almost identical, the online service is a classic piggy bank with the ability to manage goals.
A savings account is an excellent opportunity to increase capital without excluding cash from circulation
Conclusion
At Raiffeisenbank, the rates on individual deposits are not as high as other large banks can offer, however, there is always the opportunity to use complex deposits, combined with insurance or part of which goes to the management of mutual funds. open under any of the existing programs. In 2017, you can choose programs of different durations and possibilities of operations during the term of the contract.
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