Interest rates ot bank today. Interest on deposits for individuals in a bank otp
The bank offers a wide range of products. Deposits for financial services are very popular among consumers of financial services. individuals... Depending on the conditions of the program, the depositor can receive up to 12.5% of the profit. The maximum rates on dollar deposits do not exceed 2.5%. Such deposits can be made in dollars or euros.
Interest is paid at the end of the term or monthly. If the terms of the program do not provide for the conduct of expense and income transactions, then the depositor can count on the maximum favorable interest on deposits.
The term of the deposit may vary. At the request of the client, an automatic prolongation is possible. The conditions for the accumulation of interest remain the same. Some deposit programs provide for monthly capitalization of interest. In this case, the resulting profit is added to the main account and paid at the end of the term. The depositor can also carry out various operations with deposit funds - withdraw money, replenish the account or close it ahead of schedule.
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Deposits in the OTP bank will be attractive for average citizens with standard wishes, and for people who have large amounts of funds on hand and who want to profitably invest their capital without risks.
Types of deposits of OTP bank
OTP Bank in 2020 expanded its deposit line and can offer updated previously existing deposits and new products. In OTP Bank, customers can immediately determine the category of the deposit. There are two of them and they are divided according to the minimum investment:
- Retail- deposits of this line are suitable for all individuals who have average earnings and are ready to invest only small amounts, approximately equal to their monthly income or slightly more.
- - depositors opening deposits of this group expect a high income, but they must invest more - from one and a half million rubles to get good interest.
Each category contains its own banking products, differing in terms of investment. Interest on deposits at OTP bank are set in an unusual way and can change during the validity period, which should be paid more attention to by the depositor. Let us consider in more detail what kind of deposit accounts OTP bank has today and how they differ.
Retail
Each depositor chooses a deposit according to his strength, because he has not only advantages in the form of accrued interest, but also conditions under which the bank will open an account in the name of the client.
Retail deposits have acceptable conditions regarding the maintenance of accounts and at the same time have good interest rates, which makes them attractive to potential depositors.
Protective
This is a special deposit from the entire line of OTP bank deposits, and its peculiarity lies in the possibility of receiving a gift. By a gift, the bank means the purchase of certain products at a low price:
- Accident insurance.
- Property insurance policy.
- Legal advice and assistance from specialists.
The purchase price of a gift will vary depending on the amount of the deposit, but approximately it is in the range of 250 - 1,500 rubles. More detailed conditions of the promotion are contained on the official website of OTP Bank, where the information is constantly updated and corrected.
A protective contribution will bring a tangible income to a person, since there are high interest rates, but about them a little later, but for now about basic conditions:
- Opening an account is carried out for a period of 183 or 368 days.
- The depositor must deposit more than 10 thousand in national currency.
- The maximum balance is 10,000,000 rubles.
- Spending part of the contribution and making additional funds is not allowed.
- The OTP bank pays the interest to the client on the day of closing the deposit by adding it to the balance.
- Early termination of the contract entails a change interest rate on the rate "On demand".
OTP Bank has a fundamentally different system for calculating interest income. Annual rate not fixed and it changes constantly depending on the time the funds stay in the account. The depositor opens a deposit for a certain period, and in certain periods of it, different interest rates are applied:
Duration under the agreement (days) | Period for which the rate is charged (days) | |||
---|---|---|---|---|
183 | 1 - 61 | 62 - 122 | 123 - 182 | |
9.0% | 6.4% | 3.2% | ||
368 | 1 - 92 | 93 - 184 | 185 - 276 | 277 - 367 |
9.0% | 6.3% | 5.1% | 4.0% |
Double benefit plus
For those who purchase an investment insurance policy from Alfastrakhovanie-Zhizn LLC, OTP Bank can offer a unique option - deposit with a high interest rate and convenient terms:
- The depositor independently chooses the most comfortable term - 181 or 366 days.
- Sum down payment must be more than 50,000 rubles, but less (or equal) to the amount paid for the insurance policy.
- Action insurance policy must last throughout the entire period of storage of funds on the deposit, otherwise the bank will remove the interest rate under the agreement and charge 0.01%.
- The deposit must be opened within a month from the date of the conclusion of the contract for the purchase of the ILI policy.
- If all conditions are met by the depositor, then OTP bank charges the balance with 8% per annum and pays them at the end of the term.
- It is prohibited to carry out various transactions with the account.
The deposit is quite simple and, most importantly, profitable, and therefore those who have already purchased insurance should consider opening a deposit in OTP bank.
Maximum
This deposit has very flexible conditions, which allows the depositor to choose a comfortable option for storing and increasing funds. A deposit is opened in rubles in the amount of over 30 thousand. The deposit balance cannot be changed up or down during the entire period of validity.
Interest rates on the deposit depend on the term and amount of the first installment:
Down payment (rubles) | Validity (days) | |||
---|---|---|---|---|
91 | 181 | 275 | 366 | |
30 000 – 100 000 | 6.0% | 6.6% | 6.4% | 6.4% |
100 000 – 300 000 | 6.4% | 7.0% | 6.8% | 6.6% |
300 000 – 30 000 000 | 6.4% | 7.0% | 6.8% | 6.8% |
In case of early demand for the amount of the deposit, the rate is calculated according to the conditions of the "On demand" account.
Cumulative
This contribution differs significantly from the previous ones at least the possibility of replenishment, making it more profitable. Clients do not always have a large amount for the first installment, but they want to postpone more and more from their salaries, but they do not want the money to gather dust at home until the next opening of the deposit.
WITH Cumulative deposit everything is more convenient - capital is constantly increasing due to the comfortable conditions of the deposit account:
- OTP Bank accepts investments in national currency and dollars.
- The maximum amount of the deposit cannot exceed ten times the amount of the initial contribution, and it cannot cross the threshold of 10,000,000 rubles and 300,000 dollars.
- You cannot withdraw partially deposited funds.
- The client independently chooses one of three terms for opening an account - 91, 181, 366 days.
- Interest is calculated at the end of the term.
- The “On Demand” rate is charged in case of early withdrawal of funds.
The table below shows the rates depending on the timing and amount of the investment.
Attachment size | Validity (days) | ||
---|---|---|---|
91 | 181 | 366 | |
Rubles | |||
15 000 – 100 000 | 5.3% | 5.9% | 5.7% |
100 000 – 300 000 | 5.7% | 6.3% | 5.9% |
300 000 – 10 000 000 | 5.7% | 6.3% | 6.1% |
Dollars | |||
300 and above | 0.3% | 0.9% | 1.2% |
Pension
This deposit account for pensioners from OTP Bank has exactly the same conditions as the previous one. The only difference is that you can withdraw already accrued interest, because they are credited monthly (by capitalization or to another account).
There are also slightly different minimums for additional contributions - 1,000 rubles and 50 dollars, all other parameters in terms of amounts and terms completely coincide with the Accumulative deposit. For pensioners, an increased interest rate is provided, and therefore the deposit will have the following interest:
Investment amount | |||
---|---|---|---|
91 | 181 | 366 | |
Rubles | |||
15 000 – 100 000 | 5.73%/ 5.7% | 6.18%/ 6.1% | 5.85%/ 5.7% |
100 000 – 300 000 | 6.13%/ 6.1% | 6.59%/ 6.5% | 6.06%/ 5.9% |
300 000 – 10 000 000 | 6.13%/ 6.1% | 6.59%/ 6.5% | 6.27%/ 6.1% |
Dollars | |||
300 and above | 0.3% | 0.7% | 0.85% |
Flexible
For many potential depositors, a big problem is the need for irretrievable investment of funds, and in case of demanding even a part of the deposit ahead of time, the interest rate is lost and the deposit becomes absolutely unprofitable.
The conditions of this deposit are really flexible, which gives a person the opportunity to freely dispose of personal funds:
- 15,000 rubles or $ 300 will be required for a minimum depositor to open.
- The maximum amount of the deposit cannot exceed ten times the amount of the initial contribution, and it also cannot cross the threshold of 10,000,000 rubles and 300,000 dollars.
- Top-ups are allowed within the maximum balance and for the entire period, except for the last 30 days. If the depositor makes a cash replenishment, then minimum contributions will be equal to 3,000 rubles and 100 dollars.
- At the time of opening a deposit, a minimum balance is set, if kept, the depositor can withdraw funds from the account, and the rate will not decrease.
- A deposit is opened for 181 or 366 days.
- The client receives interest income on a monthly basis by capitalization or crediting to a separate account.
The interest rates for the Flexible deposit from OTP Bank are as follows:
Investment amount | Duration (days) and interest rates (capitalized / not capitalized) | |
---|---|---|
181 | 366 | |
Rubles | ||
30 000 – 100 000 | 5.05%/ 5.0% | 4.91%/ 4.8% |
100 000 – 300 000 | 5.15%/ 5.1% | 5.01%/ 4.9% |
300 000 – 800 000 | 5.26%/ 5.2% | 5.12%/ 5.0% |
800 000 – 1 400 000 | 5.36%/ 5.3% | 5.22%/ 5.1% |
1 400 000 – 10 000 000 | 5.46%/ 5.4% | 5.43%/ 5.3% |
Dollars | ||
From 300 | 0.5%/ 0.5% | 0.75%/ 0.75% |
Savings account
The savings account has no restrictions on the lower and upper limits of the balance, validity period, currency (but no interest is charged on the euro at all), income and expense transactions.
OTP Bank calculates the interest rate depending on the amount of the balance:
Video
For those who want to get it without risk and in a short time good income from large investments, OTP Bank has developed and implemented two programs:
- Stable income.
- Freedom of management.
These deposits are intended only for large investors, but their conditions are somewhat similar to those of the programs described above.
Stable income
By investing rubles or dollars on this deposit, a person will definitely receive a large profit from a fixed rate, and will also be able to capitalize interest monthly in order to increase total amount contribution.
Other conditions for the deposit agreement of the Stable Income program are:
- The size of the deposit is 1.5 - 300 million rubles, 50 thousand - 6 million dollars.
- The account can be replenished within the first 30 days from the date of opening a deposit for amounts over 100,000 rubles and 5,000 dollars, but up to the maximum limit.
- Withdrawals are prohibited.
OTP Bank offers high interest large depositors:
Investment amount | Duration (days) and interest rates (capitalized / not capitalized) | |||
---|---|---|---|---|
181 | 366 | 549 | 732 | |
1.5 - 15 million rubles. | 7.1%/ 7.0% | 7.01%/ 6.8% | 6.92%/ 6.6% | 6.7%/ 6.3% |
15 - 30 million rubles. | 7.21%/ 7.1% | 7.12%/ 6.9% | 7.03%/ 6.7% | 6.81%/ 6.4% |
More than 50 thousand dollars | - | 1.51%/ 1.5% | 1.52%/ 1.5% | 1.52%/ 1.5% |
Early termination foreign currency deposit occurs at the rate "On demand". But for a ruble deposit, the conditions are different:
- If the deposit has existed for less than 90 days, then the rate will be "On demand".
- If 91 - 180 days, then in the amount of ¼ of the established by the contract.
- If more than 181 days, then ½ of the established by the contract.
Freedom of management
This deposit has less limited options for accessing funds:
- 1,500,000 rubles and 50,000 dollars - the amount for the minimum down payment.
- At the maximum, the account can store no more than ten times the amount of the first installment, provided that this amount is not more than 150,000,000 rubles or 3,000,000 dollars.
- A deposit account is opened for one year.
- You can replenish your account for the entire period of time, except for last month and for amounts over 100,000 rubles and 5,000 dollars.
- While maintaining the minimum balance, OTP Bank allows debit transactions to be carried out.
- The terms of the agreement provide for monthly capitalization of interest or their transfer to an additional account - at the discretion of the depositor.
- Early withdrawal of capital at the demand rate.
The interest on the Free of charge deposit is presented in the table below.
Investment amount | Annual rate (with capitalization / without capitalization) |
---|---|
Rubles | |
1.5 - 7.5 million | 6.06%/ 5.9% |
7.5 - 15 million | 6.17%/ 6.0% |
15 - 30 million | 6.22%/ 6.05% |
30 - 150 million | 6.27%/ 6.1% |
Dollars
|
Why consumer loans from OTP Bank are popular today
In OTP Bank today you can get a consumer loan for up to 4 million rubles for a period of up to 7 years. And this is without collateral. If you leave real estate as a pledge to the bank, then the amount can be much higher.
The minimum rate now ranges from 10.5% per annum.
In addition to the low interest rate, the distinctive features of lending in OTP Bank can also be considered:
✓
The ability to make payments on the loan at any time, both using a bank card and in cash.
✓ Customers receive qualified support thanks to the 24/7 contact center line.
✓ Ability to repay the loan at any time, without contacting the branch, using a computer or smartphone.
In this review, the correspondents of the business information agency, the site will consider the features of consumer lending in OTP Bank and compare the conditions of various programs
Cash loans at OTP Bank: conditions and rates
Today in OTP Bank you can get money on bail and without guarantors.
OTP bank loan without collateral
Money is issued on the following conditions:
Amount: from 15,000 to 4 million rubles;
Term: from 12 to 84 months;
Security: not required;
Solution: in 3 minutes.
Interest rate
from 10.5% per annum.
Who can get money
Citizenship: Russia;
Work experience: at least 3 months at the current place of work.
What documents are needed for a loan
To receive money, you must provide the minimum package of documents that everyone has. But if you want to increase the amount or lower the interest rate, then it is better to confirm your income and employment. In general, the following package of documents is needed:
✓ The main
RF passport;
TIN (if any);
SNILS (if available).
✓ Additional(for amounts over 300,000 rubles) to choose from:
2-NDFL certificate;
Certificate of income in the form of a bank for 3 months;
Bank statement at any bank confirming the transfer wages in 3 months;
Notification of the state of the individual personal account of the insured person sent to the bank's email address from Personal account public services portal This email address is being protected from spambots. You need JavaScript enabled to view it. ...
OTP bank loan secured by
On the security of an apartment or house in OTP Bank, you can get a larger amount and for a long time. But the interest rate does not change from this. Funds are issued on the following conditions:
Amount: from 1 million to 10 million rubles;
Term: from 12 to 120 months;
Security: mortgage of real estate.
Interest rate
from 10.5% per annum.
Who can get a loan
The requirements for borrowers from the bank are simple and straightforward:
Age: 21 to 69 years old at the time of imprisonment loan agreement;
Citizenship: Russia;
Permanent registration: on the territory of the Russian Federation;
Work experience: at least 3 months at the current place of work;
Income before taxation is at least 70,000 rubles.
What documents are needed to receive money
To receive money on bail, you need to collect a fairly large package of documents. Indeed, to the usual set, you need to add documents for the property being pledged. So it makes sense to divide the general list into two parts:
✓
For the borrower
RF passport;
TIN (if any);
SNILS (if any);
Certificate of income.
✓ For bail
Extract from the USRN;
Documents confirming the registration of the right;
The document according to which the state registration of property rights was carried out;
Report of an independent appraiser on the appraisal of the pledged property;
Other.
A complete list of documents for bail will be individual for each case. These are just general ones to get you started. A complete list is better to check with a Bank employee.
Loan calculator: calculate payment
OPT Bank's online loan calculator will help you calculate the monthly payment and the amount of overpayment depending on the term and interest rate.
How to get a cash loan at OTP Bank
Checkout consumer credit OTP Bank today is quite simple.
1 Fill out an online application and wait for a call from a bank employee;
2 Collect a package of documents and get approval for your application;
3 Visit a bank branch and collect your money.
Question answer
Can individual entrepreneurs get a loan from OTP bank
They can. Today this bank is one of the few where consumer loans are issued to individual entrepreneurs. But they are subject to slightly different requirements for borrowers, as well as a different package of documents for receiving money.
Requirements for borrowers - individual entrepreneurs
In principle, they differ only in the requirements for age and work experience:
Citizenship: Russia;
Permanent registration: on the territory of the Russian Federation;
Age: from 25 to 69 years old at the time of the conclusion of the loan agreement;
Registration period as an individual entrepreneur: at least 12 months.
Consumer loan documents for individual entrepreneurs
Individual entrepreneurs can also receive money only with a passport. But if the bank asks to confirm their employment, the individual entrepreneurs must provide:
Certificate of state registration IP / Single Record Sheet state register SP.
Summing up
Credit programs of OTP Bank are designed for a wide range of clients. Both ordinary working individuals and pensioners can receive money, individual entrepreneurs, military personnel under contract.
To obtain a loan, you need a minimum package of documents. A loan of up to 300,000 rubles can be obtained with a passport.
It is also important to note that in the requirements for the borrower, OTP bank accurately indicates the maximum age for obtaining a loan - 69 years. This is not the age at the date of loan repayment, as many other banks write. This means that even at the age of 69, a pensioner can apply for a loan and his application will be considered on an equal basis with others. This is a very important feature.
Generally, customer credit in OTP Bank allows clients to quickly receive the necessary money on acceptable terms.
Contacts for inquiries
About the bank
OTP Bank (Russia) is a member of the international financial group OTP (OTP Group), which is one of the leaders in the financial services market in Central and Eastern Europe. OTP Bank is a universal credit organisation providing a wide range of banking services and products for corporate clients and individuals.
Telephone
General license of the Bank of Russia No. 2766.
The information is not a public offer and is presented for informational purposes only. Detailed conditions are set out in the loan agreement concluded between the client and the bank.
OTP Bank provides a super profitable line of deposits for individuals for 2019. The maximum interest on OTP Bank deposits is 9.00% per annum. At present, the Bank has seven deposit programs with different conditions for investing savings.
In “OTP Bank” you will find a special program for pensioners, a high-yield deposit with a gift at the opening, and others. A variety of choices will allow each depositor to choose the most optimal solution for certain requirements and preferences.
All deposits of OTP Bank are insured by the state for up to 1.4 million rubles. The law will protect your savings in the event of a financial problems from the Bank, and is guaranteed to pay every penny.
In our review, we will describe in detail all OTP Bank programs: we will name the pros and cons, provide interest rates, and more. By the way, if you have already used the Bank's services, please write a review under the article. We will be very grateful to you.
1. "Protective" deposit program
“Protective” is a deposit without replenishment and partial withdrawal, with interest paid at the end of the term. The deposit can be opened for a period of 183 or 368 days. We note that the term of the deposit is divided into several interest periods, for each of which its own rate is assigned.
The maximum deposit rate is 9.00% per annum (it operates in the first interest period - from 1 to 61 days, or from 1 to 92 days, depending on the placement period). When making a deposit, each depositor is given a pleasant bonus from the Bank - an insurance policy, or a certificate for the provision of legal assistance, in the amount of 250 to 1,500 rubles (depending on the amount of the deposit).
The minimum contribution is 100 thousand rubles ( maximum amount limited to 10 million rubles). In case of early termination of the Agreement, the interest is recalculated at the “On demand” rate. If the depositor has not claimed the amount of the deposit at the end of the term, the Agreement will be deemed extended for a new term under the terms of the deposit “On demand”.
Rates for a deposit term of 183 days
Rates for the term of the deposit 368 days
2. Contribution program "Double benefit plus"
A deposit with an investment bias. By completing an investment life insurance contract, you receive additional interest to the deposit rate. Your money will be invested in the shares of the largest companies.
Investment life insurance
- Guaranteed return on invested savings;
- The contract is drawn up for five years;
- Life insurance option;
- Receiving additional income from the invested funds;
- Right to return tax deduction from the state - 13% of the amount of contributions.
The term of the deposit at the choice of the depositor: 181 or 366 days. There are no expense transactions and replenishment in the “Double Benefit Plus” program. Interest is calculated at the end of the deposit term. Minimum amount deposit - 50 thousand rubles. The interest rate depends on the placement period. In case of early termination, interest is recalculated at the “On demand” rate.
Without registration of the ILI Agreement, a rate of 0.01% per annum is assigned.
3. "Maximum" deposit program
The deposit was created to maximize the return on investment. To place your savings, you can choose Russian rubles or US dollars. Minimum deposit amount: 30 thousand rubles or 300 dollars. Note that the rate will depend on the term and amount of the deposit.
You can get the maximum in rubles 6.80% per annum, in dollars - 2.25% per annum. Additional contributions and expense transactions are not provided for by the terms of the Agreement. Interest is paid at the end of the deposit term. Early termination “threatens” the depositor with recalculation of interest at the rate “On demand” (0.01% per annum).
Rates in rubles
4. "Accumulative" deposit program
Contribution with the possibility of making additional contributions. You can replenish the deposit during the entire period, except for the last 30 days. The interest rate depends on the amount and term of the deposit. Maximum rates: in rubles - 6.10% per annum, in dollars - 2.15% per annum.
You can place savings for a period of 91, 181, or 366 days. Minimum deposit amount: 15,000 rubles or 300 dollars. Interest is paid at the end of the term. Expense transactions the terms of the Agreement are prohibited. In case of early termination, interest is recalculated at the “On demand” rate.
Rates in rubles
5. "Pension" deposit program
A special deposit for pensioners with preferential terms for placing savings. The deposit can be opened in Russian rubles or US dollars. I must say that the minimum amount of the initial payment is small here: 15 thousand rubles or 300 dollars.
Additional contributions can be made for almost the entire term of the deposit, with the exception of the last 30 days. Minimum top-up amount: 1,000 rubles or $ 50. Expense transactions are allowed only for the amount of capitalized interest.
Interest is calculated on a monthly basis: it can be claimed on the “On Demand” account, or left on the deposit account (capitalization). Deposit rates will depend on the amount and term, as well as on the method of obtaining interest (when choosing capitalization, the rates are higher).
In case of early withdrawal of the deposit, interest is recalculated at the “On demand” rate. Automatic renewal is carried out on the terms that apply to the "Pension" program on the day of renewal.
Rates in rubles
6. "Flexible" deposit program
The deposit was created for depositors who prefer to use the most comfortable conditions for managing their deposit. There are all the options that are necessary for a full-fledged deposit: replenishment, partial withdrawal, capitalization (or monthly payment percent).
As usually happens in such programs, the interest rate leaves much to be desired: rubles - up to 5.43% per annum, dollars - up to 0.90% per annum. Additional payments are accepted during the entire period of placement, except for the last 30 days. The minimum amount of replenishment through the cash desks of the Bank in cash: 3,000 rubles or 100 dollars.
Partial withdrawals are only possible up to the “minimum balance”. The amount of the “minimum balance” is equal to the amount of the initial contribution to the deposit. Upon termination of the Agreement, interest is recalculated at the “On Demand” rate. Overpaid interest is deducted from the amount of the deposit.
Interest is paid monthly. The depositor has two ways: to leave interest on capitalization, or withdraw it to the “On demand” account. The deposit can be opened for a period of 181 or 366 days.
Rates in rubles
* - rates for interest capitalization.
7. Contribution program "Special"
Only clients who have issued a deposit will be able to open a deposit bank card according to the tariffs “Your Choice - Savings” and “Everything Is Possible”. The rate on the "Special" deposit is 7.60% per annum. The deposit is opened for a period of 366 days. The minimum initial payment is 30,000 rubles.
Additional contributions can be made only in the first 60 days of the deposit term. Partial withdrawal by the terms of the deposit is not provided. Early termination is carried out at the “On demand” rate. Prolongation is carried out on the terms of the "Maximum" program. Interest is calculated and paid to the depositor at the end of the period for placing savings.
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