Deposits in foreign currency and in Belarusian rubles in a Belarusian bank. TOP deposits for retirees: Are you sure it's too early for you? How our compatriots react to changes in the financial market
Modern people do not want to live without money. This is understandable, a normal person feels flawed, not having a certain amount of money. After all, not everyone can afford to buy a car, an apartment or a house in the village without saving money in one day. Even well-paid workers need to save money to make big purchases. Some are saving up quietly at home, while others open deposits.
As practice shows, for a long time the population has been saving up its own savings in foreign currency. So, for example, Belarusbank deposits in foreign currency have been attractive to its customers for many years. Some are attracted by the possibility of early withdrawal of funds, others are satisfied with the interest rate, the third are impressed by the possibility of monthly replenishment of the account, etc.
Tempting offers on deposits of Belarusbank in foreign currency
Consider all offers of Belarusbank on foreign currency deposits
Name |
Currency | Interest rate | Minimum amount | Storage / return period |
Features: |
"Prestige" |
US dollar, Russian ruble, euro | 3% | no restrictions | 3 months |
The possibility of prolongation and replenishment; Monthly interest withdrawal; Capitalization - monthly; Before the deadline for the return of the deposit - the possibility of replenishing it without any restrictions. |
"Your choice" |
US dollar, euro | 4% to 5% | $ 100 | 3 years |
The possibility of replenishment; Monthly interest withdrawal; Opening an account for another person; 0.5% per annum - premium income; |
"Classic Plus" |
US dollar, euro | 5,5% | $ 100 | 18 months |
The possibility of replenishment; Monthly interest withdrawal; Monthly capitalization; Opening an account for another person; Before the deadline for the return of the deposit - the possibility of replenishing it without any restrictions; 0.6% per annum - premium income; Dependence of the% rate on the amount of placement; After 3 months, it is possible to carry out expense transactions without losing profitability. |
As you can see, interest rates on deposits in Belarusbank in foreign currency have been very attractive for a long time. This explains the special popularity of this bank among foreign currency depositors.
The program “Your Choice” by Belarusbank is of particular interest - the bank offers to save money in rubles and in foreign currency. Thus, a deposit in foreign currency is especially beneficial for those depositors who plan to keep a large amount - the maximum rate is 5% for deposits of more than 15,000 US dollars or 15,000 euros. When storing from 2,000 to 15,000 US dollars / euros, you will be offered a lower interest rate - 4.5% per annum.
The same high rates on the "Your Choice" deposit in Belarusian rubles, their size depends on the deposited amount:
- 4% per annum - up to 50,000 Belarusian rubles;
- 4.5% per annum - inclusively from 50,000 to 350,000 Belarusian rubles;
- 5% per annum - over 350,000 Belarusian rubles.
Not less tempting conditions for this deposit is 0.5% of the bonus income.
The Classic Plus bank deposit, in addition to monthly prolongation, capitalization, interest withdrawal, implies other equally tempting offers:
- After the expiration of a 3-month period (during which funds cannot be withdrawn), you can perform any debit transactions without the risk of losing the profitability of this deposit;
- You can replenish your deposit at any time, without any restrictions;
- The highest premium income is assumed - up to 0.6% per annum.
How our compatriots react to changes in the financial market
It just so happened that our compatriots are used to keeping savings in dollars. This situation in the banking market has been going on for more than a decade, which causes a negative perception by regulators. What measures did they not resort to to tilt the cup of people's trust in the direction of their native national currency. And only in 2008 the situation finally changed: the scales of deposits gradually began to tilt in favor of the national currency.
For the first time, the volume of deposits in dollars and euros yielded to ruble deposits. Constant fluctuations in the foreign exchange market, that feature of the excess of the yield of the national currency over the domestic ruble, persuaded our compatriots to keep their own savings in Belarusian rubles.
Nevertheless, at the slightest changes in the financial market, our compatriots react instantly by transferring their own savings into foreign currency. As soon as Belarusbank deposits change their interest rates or the exchange rate, as compatriots rush to banks. And this is quite understandable, because every person is primarily interested in the safety of their own money, and only then they think about how to have a 100% guaranteed income.
Often, clients do not withdraw their own funds from banks, they simply transfer them from one currency to another, from one deposit to another.
Features of the deposit "On demand"
The “On Demand” deposit Belarusbank is attractive to potential bank clients because it allows them to make debit and credit transactions without any restrictions. Many depositors planning to save funds for a long time are impressed by such a feature of this deposit as storing funds without restrictions. Thus, the depositor can count on the maximum profitability of this deposit. Is this really so, consider in more detail:
Features of deposits of Belorusbank in Belarusian rubles
However, the situation in the financial market over the past five years allows us to be convinced that our compatriots have begun to trust the innovative projects of Belarusbank, including opening deposits in national currency.
Consider deposits in Belarusian rubles Belarusbank, their features, advantages and possible disadvantages, special conditions.
Features of the "Priority" deposit
A unique banking product that, regardless of the situation in the foreign exchange market, guarantees a stable profitability - this is the Priority deposit in Belarusbank. The main condition for this deposit is the placement of funds in Belarusian rubles. The main guarantees of Belorusbank are the return of savings in the amount of Belarusian rubles, which is equivalent at the time of opening this deposit, plus the interest base income is added to this.
Important features of the "Priority" deposit are:
- calculation of additional income according to a special formula (it can be found on the bank's website), taking into account the US dollar exchange rate that has changed during the storage of this deposit;
- payment of the deposit is made on the day when the scheduled closure of the account.
Brief description of the "Priority" deposit of Belorusbank:
Features of the "Savings" deposit
The Savings deposit in Belarusbank assumes longer storage periods for funds - 3 years. It is no less a unique banking product that, reacting sharply to changes in the foreign exchange market, guarantees its depositors a stable profitability.
Name |
Currency | Interest rate | Minimum amount | Storage / return period |
Features: |
"Savings" |
belarusian ruble | 25% + incentive income 18% | 100000 | 3 months |
Monthly interest withdrawal; Capitalization - monthly; After 3 months, it is possible to perform expense transactions without losing profitability |
Features of the "Pension" deposit
People of pre-retirement age are increasingly interested in new banking products that have appeared on the financial market. One of such products today can be confidently called the "Pension" Belarusbank deposit. What is the peculiarity of this deposit?
First of all, this contribution has certain conditions:
- demand deposit for those depositors who are retired and receive a pension;
- assumes the possibility of making any expense transactions;
- assumes the possibility of replenishment without restrictions.
Deposit name |
Currency | Interest rate | Minimum amount | Storage / return period |
Features of the contribution |
"Pension" |
belarusian ruble | 23.5%; 29.5% - for disabled people and veterans of the Great Patriotic War | 100 | Without Borders |
Monthly interest withdrawal; Opening a deposit for another person; Capitalization - monthly; The sums of pensions are credited to the deposit by non-cash crediting; During the entire term of the deposit, it is possible to replenish it without any restrictions; During the entire term of the deposit, it is possible to carry out debit transactions without losing profitability. |
Step-by-step actions for depositors to open the Pensionny deposit:
- Contact a banking institution.
- Prepare a package of documents:
- pensioners must submit a document that proves their identity;
- citizens whose age has not reached the retirement age are required to present a document proving their identity + pension certificate or certificate of a disabled person;
- wWII veterans must submit a document that proves their identity + a certificate of a disabled person or a war veteran.
- Draw up a contract.
- Use the terms of the deposit.
Features of the "Accumulative" deposit
"Accumulative" deposit from Belorusbank allows depositors to automatically renew the agreement for a new term. This is very convenient for those depositors who plan to continue their cooperation with the bank, but for a number of reasons do not have the opportunity to visit it personally. Now your personal presence to renegotiate the agreement for this deposit after the expiration of the previous agreement is not at all necessary. All these conditions are stipulated in the "Accumulative" deposit program. Let's consider other features of this deposit:
Deposit name |
Currency | Interest rate | Minimum amount | Storage / return period |
Features of the contribution |
"Accumulative" |
belarusian ruble | 30% + percentage incentive income | 50000 | 3 years |
Monthly interest withdrawal; Opening a deposit for another person; Capitalization - monthly; During the entire term of the deposit, it is possible to carry out debit transactions without losing profitability; An early return of funds is possible - with the payment of 60% of the rate applicable to this deposit. |
Features of the deposit "Guaranteed income"
The deposit of Belarusbank "Guaranteed Income", similar to the deposit "Savings Deposit", offers depositors to automatically renew the agreement for a new term. This is very convenient for those depositors who, for a number of reasons, do not have the opportunity to personally visit the bank, but plan to continue their cooperation with the bank. After the expiration of the previous agreement, the personal presence of the depositor to renegotiate the agreement for this deposit is no longer a prerequisite. So Bularusbank develops loyal banking programs for most of its potential clients. Let's consider other features of this deposit:
Deposit name |
Currency | Interest rate | Minimum amount | Storage / return period |
Features of the contribution |
"Guaranteed income" |
belarusian ruble | from 40% to 49% | 100000 | 15 to 35 days |
Monthly interest withdrawal; Opening a deposit for another person; Capitalization - monthly; During the entire term of the deposit, it is possible to replenish it without any restrictions; Renewal of the contract for a new term - automatically. |
Features of the deposit "Housing accumulative"
Today, most of our compatriots will be able to realize their dream and purchase their own homes. Such opportunities are provided to all its depositors by Belarusbank. Its product "Housing accumulative" deposit for the majority of citizens living in our country and having concluded an agreement on housing savings, will become one of the few chances to acquire the cherished square meters.
Deposit name |
Currency | Interest rate | Minimum amount | Storage / return period |
Features of the contribution |
"Housing accumulative" |
belarusian ruble | from 40% to 49% | 100000 | 15 to 35 days |
Monthly interest withdrawal; Capitalization is paid in accordance with the rules established by the bank; Opening a deposit for another person is not possible; The interest rate is fixed; Capitalization - monthly; During the entire term of the deposit, it is possible, its replenishment in accordance with the previously selected savings plan; In the deposit account, income is paid after the deposit account is closed; When carrying out an expense transaction, income is recalculated in accordance with the reduced interest rate; If the debit transaction is carried out within 19 months, then the recalculation at the reduced rate is not made. |
How to use the deposit calculator
It is quite clear that before making a decision to open a deposit, each depositor must think carefully about everything, take maximum action to reduce their own financial risks. The program will help you make the right decision: Belarusbank deposit calculator.
You can find this program on the official website of the bank. With more than 90 years of history behind its financial activities, Belarusbank tries to make all its activities as transparent as possible for potential clients and develops banking products that are available to most of our compatriots. So the WTO feel free to connect to Internet banking and resolve all issues directly with the financial representatives of the bank. Do not believe the rumors - calculate your income yourself.
10 March 2016 10692When a person retires, financial issues usually come to the fore. How to make your pension generate additional income? How can you not only preserve, but also increase your savings? What is the best deposit for keeping your money? After all, pensioners do not have every penny - every percentage is on the account.
Today, Belarusian banks offer quite a wide range of deposits. However, out of all the deposits offered by banks, only 7 are designed for pensioners. For convenience, we have placed them in one table ...
The best offers in the segment of deposits for retirees | ||||||
Bank / Product / Term | Rate,% | Bet type | An initial fee | Capitalization | Replenishment possibility | Partial withdrawal / |
Early dissolution | ||||||
irrevocable deposits | ||||||
30 | 200 thousand | weekly | without Borders | not provided | ||
30 | fixed first 3 months | 200 thousand | weekly | without Borders | not provided | |
28 | floating | 1 million | monthly | without Borders | not provided | |
27 | fixed | 200 thousand | weekly | without Borders | not provided | |
26 | fixed | 200 thousand | weekly | without Borders | not provided | |
26 | fixed | 200 thousand | weekly | without Borders | not provided | |
26 | fixed | 200 thousand | weekly | without Borders | not provided | |
revocable deposits | ||||||
25 | floating | 100 thousand | monthly | at least 10 thousand | in the part of the accrued interest to the deposit / upon termination in the period from 1 to 180 days - recalculation at the rate 1/2 current, upon termination in the period from 181 days - without recalculation of interest | |
25 | floating | 1 million | monthly | mandatory replenishment of the deposit every 90 days | in case of early termination during the accumulation period - recalculation at the current account rate, during the payment period - without recalculation of interest | |
25 (first 100 days) | fixed 100 days | 200 thousand | weekly | without Borders | not provided / upon termination after 100 days - without recalculation, within 100 days - 1.5% | |
20 (from day 101) | ||||||
25 | fixed first 6 months | 200 thousand | weekly | without Borders | not provided / upon termination after 6 months - without recalculation, within 6 months - 1.5% | |
25 | fixed first 3 months | 200 thousand | weekly | without Borders | not provided / upon termination after 9 months - without recalculation, within 9 months - 1.5% | |
25 | fixed first 3 months | 200 thousand | weekly | without Borders | not provided / upon termination after 12 months - without recalculation, within 12 months - 1.5% | |
24 | floating | 50 thousand | monthly | without Borders | not allowed / upon termination of a deposit earlier than 6 months - recalculation of interest at the rate of the current account, upon termination from 6 to 12 months - recalculation of interest at a rate of 50% of the current one, upon termination from 12 to 18 months - recalculation at a rate of 70% of the current , in case of termination over 18 months - interest is recalculated at the rate of the contract. | |
23.5 (2 months) | fixed two months | 200 thousand | weekly | without Borders | not provided / upon termination after 2 months - without recalculation, within 2 months - 1.5% | |
20 (from 3rd month) | ||||||
23 (1 month) | fixed first month | 200 thousand | weekly | without Borders | not provided / upon termination after 1 month - without recalculation, within 1 month - 1.5% | |
20 (from the 2nd month) | ||||||
at the first request of the depositor |
By the way, there is one prerequisite for opening pension deposits - the depositors must be citizens of Belarus who have reached retirement age. Today it is 60 years for men, 55 for women.
However, if you are a former law enforcement officer who retired at an earlier age, many banks will also be happy to see you as a retired. The main thing is to have the appropriate certificate.
But let's get down to the details.
By deposit "Pension" Belinvestbank the following conditions of interest payment are provided:
- capitalization
- transfer to the current (bank) account
- transfer to a bank payment card
Open deposit Belagroprombank "Care" can only be owners of the "Care" package at the place of opening the "Care" pension account. But this contribution cannot be prolonged.
Let's understand pension - savings deposit "Golden Time" of Bank BelVEB.It consists of two periods:
- accumulation period
- payment period
The accumulation period starts from the date of opening the deposit. At the same time, the depositor's age must be less than 50 years for women, less than 55 years for men.
In the accumulative period, at least 1 time per season, the deposit must be replenished in an amount equal to the minimum, or greater than it. Today, the minimum amount is 1 million Belarusian rubles.
Payment period starts from the moment the depositor reaches the retirement age (55 years for women, 60 years for men). This period lasts 5 years. During this period, the funds accumulated on the deposit will be paid monthly. You can also withdraw the entire amount of your savings at a time.
Contributions "Pension" Belagroprombankand Belarusbank can be opened for the enrollment and storage of funds received from a government agency that transfers pensions, benefits and other payments for state social insurance.
Finally, we would like to remind you that no tax will be paid on deposits made before April 1, 2016. From April 1, the tax will be paid on income from newly opened deposits in Belarusian rubles, issued for a period of less than 1 year, on deposits in foreign currency - for a period of less than 2 years.
It will help you calculate the amount of income when you open a deposit and will allow you to better know the current programs.
Belorusbank occupies a leading position in the banking sector of Belarus, providing clients with a full range of services. Deposits for the bank are one of the priority areas, therefore it presents a wide variety of programs.
Features of deposits:
- Long periods - the term for placing a deposit can be 5 years, and in the case of the "Care" program even longer.
- Short terms - The Guaranteed Income and Savings Certificate programs have a period of 15 days.
- Large selection of currencies: from national to dollars, euros and Russian rubles.
- The most profitable deposits are those issued in Belarusian rubles.
- Inclusion of the refinancing rate indicator in the deposit rates.
CP is the official refinancing rate of the Republic of Belarus.
Programs in Belarusian rubles:
Name contribution |
Storage period | Min amount first installment, Belarusian rubles |
Rate |
---|---|---|---|
Free choice | 11 months 24 months |
500,00 | 12,3% 13,8% |
Classic Revocable for 35 days | 35 days | 150,00 |
4,2% |
Classic Revocable up to a year | 95 days 185 days |
150,00 |
4,7% 5,2% |
Classic Irrevocable up to one year | 3 months 6 months 9 months |
150,00 |
6,7% 8,7% 9,7% |
Classic Irrevocable up to one year with fix. interest rate |
1 year | 100,00 | 10,7% |
Classic Irrevocable over a year | 18 months 24 months |
150,00 | 13% 13,5% |
Internet deposit-Trend revocable |
from 1 month up to 9 months | 50,00 |
5,2% - 9,2% |
Internet deposit-Trend irrevocable |
from 3 months up to 9 months | 50,00 |
6,7% - 10,7% |
Pension | Not faceted. |
0,01 | 0,5% |
Care | Not limited. | 0,01 |
0,01% |
Poste restante | Not faceted. |
0,01 | 1% |
Programs in foreign currencies:
Deposit name | Storage period | Min amount | Rate |
---|---|---|---|
Classic Revocable up to a year | 95 days |
USD 100, Euro 5,000 rises. rubles |
0,8% 2,5% |
185 days | USD 100, Euro 5,000 rises. rubles |
1% 3% |
|
Classic Revocable over a year | 18 months | USD 100, Euro 5,000 rises. rubles |
2,3% 5,5% |
Classic Irrevocable up to one year | 3 months | USD 100, Euro 5,000 rises. rubles |
1% 5% |
6 months | USD 100, Euro 5,000 rises. rubles |
1,5% 5,5% |
|
9 months | USD 100, Euro 5,000 rises. rubles |
2% 6% |
|
Classic Irrevocable over a year |
30 months | USD 100, Euro 5,000 rises. rubles |
2,8% 4,7% |
36 months | USD 100, Euro 5,000 rises. rubles |
3% 5% |
|
Internet deposit-Trend revocable |
from 3 to 23 months | USD 100, Euro 3,000 rises. rubles |
1,2% - 2,8% 2,6% - 6,5% |
Internet deposit-Trend irrevocable |
from 3 to 23 months | USD 100, Euro 3,000 rises. rubles |
1,5% - 3% 5,1% - 9% |
Poste restante | Not limited. | USD 1, EUR 5 | 0,1% |
Calculate an example for yourself by filling out the form on this page.
Deposit calculator Belarusbank
Pension deposits in Belarus are a special type of deposits issued for a specific social group. Provides the ability to freely replenish the deposit, as well as withdraw funds, working even with minimal amounts. In 2016, such deposits in Belarusian rubles for individuals are issued by various banks in the country.
What are the benefits of deposits for retirees
It is the deposits for pensioners that are the most convenient savings option for this social group. They have the following advantages:- Favorable interest on deposits for pensioners in Belarusian banks - from 0.5%.
- Low requirements for the minimum deposit amount - from 100 rubles of the 2000 sample.
- Simple registration of the deposit.
- The ability to freely dispose of funds on the deposit.
What you need to arrange deposits for pensioners in Belarus
All residents of the country who have reached retirement age, war veterans, as well as persons entitled to other types of pensions, who have such accruals and documents confirming this status, can apply for deposits for pensioners in Belarus. With the documents that prove your identity, as well as certificates for the right to receive a pension, you need to contact the bank branch. They will issue a deposit for you, as well as issue a card for it for more convenient account management.
Almost all Russian banks offer special time deposits for retired clients. Being a socially unprotected category of the population, pensioners can count on quite favorable conditions for placing their funds.
Profitable deposits in Sberbank, as well as deposits in other large banks in 2016, are especially popular among pensioners.
Features of pension deposits
The main difference from standard deposits is the need to present a pension certificate when making a deposit, as well as reaching the age of 55 for women and 60 for men.
Some banks offer special conditions for opening a profitable deposit at interest not only for old-age pensioners, but also for veterans, disabled people who receive social benefits from the state, who have the appropriate certificates.
The conditions for registering pension deposits are generally similar:
- A small amount of initial investment. On average, the amount of the contribution ranges from 5-30 thousand rubles.
- High percent. Usually the rate is lower than for deposits without the possibility of spending funds and additional contributions, but higher than for standard accounts: accumulative, "On demand".
- Cash management. Standard practice is the monthly payment of interest to retired depositors by transferring to a parallel current account or specially issued bank cards, as well as the ability to capitalize the profit received, and thereby further increase the final income.
- The term is on average 1-1.5 years with the possibility of extending the account at the end without a visit of the pensioner to the bank branch.
- Deposit currency. In general, pension accounts are opened in national currency, but many banks offer such programs for placing money in foreign currencies: euros or dollars. However, the conversion option for these accounts is rarely offered.
- In some cases, the client receives a plastic card to receive accrued interest with a free first or second year of service and issue.
Sberbank retirement accounts
The giant of the banking system - Sberbank of the Russian Federation - today is not the most profitable deposit in rubles "Pension Plus" for retired depositors on the following conditions:
- ... only Russian citizens who have reached retirement age and receive a labor or social pension can open a deposit;
- ... low interest - up to 3.55% per year with capitalization;
- ... replenishment of the account is provided in unlimited amounts, and it is possible to make an automatic transfer from the incoming pension;
- ... partial consumption is possible;
- ... investment into the account from one ruble;
- term 36 months;
- interest is charged every quarter and at the request of the depositor is issued in cash, transferred to an account, capitalized.
In addition, preferential conditions for opening other accounts are provided for clients of retirement age. For example, based on the parameters of a profitable deposit at high interest rates "Save" of Sberbank, only account holders - retirees can count on the maximum rate regardless of the investment period, while for other clients the maximum rate is offered only when placing funds for 3 years.
Which deposit is the most profitable for pensioners in Sberbank depends on the amount available and the period of its placement.
Bank of Moscow: pension contribution
Today in Moscow there is a profitable deposit for pensioners at a high interest rate and with a monthly profit, which can be opened in the "Bank of Moscow". Main settings:
- multicurrency;
- maximum rate of 10.25% per year;
- investment from 1 thousand in rubles, 100 - in foreign currencies;
- the percentage is allowed to be withdrawn every month in cash, transferred to the client's card or capitalized;
- term from three months to 1095 days;
- incoming and outgoing transactions are not allowed;
- there is a possibility of preferential withdrawal with the preservation of part of the interest income when placing from 181 days or more;
- renewal is possible maximum 5 times.
A deposit can be opened both during a personal visit to a bank branch, and using online banking. In the latter case, the interest rate is increased by 0.3 points in comparison with the nominal one.
Rosselkhozbank offers
Rosselkhozbank this year created a special deposit for its retirement age depositors called Pension Plus.
The main terms of this offer are as follows:
- investment is possible only in Russian rubles;
- terms - 395 or 730 days;
- first installment to the account from 500 rubles;
- rate based on the placement period 8.3-8.5% per year;
- this contribution is allowed to be made out for minor children;
- partial receipt in the amount of one ruble without time limits;
- capitalization monthly;
- the maximum account can reach an amount of 10 million rubles;
- partial expense is allowed up to 500 rubles on the account, moreover, the accrued interest is saved;
- automatic renewal of the deposit is possible.
The basis for concluding an agreement is a pension certificate and a passport of a citizen of the Russian Federation, as well as the client's reaching the retirement age established by law.
Pension accounts in the overwhelming majority of banks are designed for short placement periods and at high interest rates. Some institutions offer clients to use the service of automatic transfer of a part of the pension received by the same bank to a card account or current account.