Deposit a solid percentage in Promsvyazbank. Solid interest deposit in Promsvyazbank Savings account "Profitable"
Why do many residents of our country choose Promsvyazbank to open a deposit? Perhaps there are several reasons for this.
√ First, it's convenient.
The regional network of Promsvyazbank today includes more than 270 branches, which are located not only in Moscow And St. Petersburg, but also in many other cities of Russia. The Bank is actively developing Internet services, which makes contacting the PSB quite convenient.
√ Secondly, it is reliable.
Promsvyazbank deposits for individuals in 2019: interest and conditions
This year, the bank changes the percentage of deposits quite often. Sometimes this happens twice a month and it is quite difficult to keep track of updates. See what deposits of individuals, and on what conditions, can be opened today at Promsvyazbank for residents of Moscow, St. Petersburg and other cities of Russia.
Deposit of Promsvyazbank "My income"
This deposit has the highest interest rate among Promsvyazbank deposits, as well as the possibility of early termination on preferential terms. When the deposit is closed after the 90th day, interest is paid at the rate of 1/2 of the interest rate set when opening the deposit.
You can open it in the office and in the Internet bank PSB-Retail.
Terms
- Term: 122, 181, 367, 547, 731 days;
- Amount: from 10,000 rubles, 15,000 US dollars or euros;
- Replenishment: provided in the first 30 days of the term;
- Partial withdrawal: not provided;
- Interest payment: at the end of the deposit term to the deposit account for deposit accounting.
Interest rate
Allowances:
- + 0.10% in rubles when opening a deposit in the Internet and mobile banking, as well as at ATMs.
Deposit of Promsvyazbank "My Benefit"
This is a classic deposit for individuals without the possibility of replenishing and withdrawing part of the funds. But you can close the deposit on preferential terms: after the 90th day, interest is paid at the rate of 1/2 of the interest rate set when opening / prolonging the deposit. You can open it at the office of Promsvyazbank and in the Internet bank PSB-Retail.
Terms
- Currency: Russian rubles, US dollars, euros;
- Term: 32 - 731 days. in rubles / 91 - 1095 days in US dollars and euros;
- Minimum amount: from 10,000 rubles / from 300 US dollars / from 300 euros;
- Replenishment: provided in the first 1-30 days depending on the term;
- Partial withdrawal: not provided;
Interest rate
Allowances:
0.10% when placing a deposit in rubles on the Internet and mobile banking.
Deposit of Promsvyazbank "My piggy bank"
This deposit may be of interest to those who intend to save money in rubles or US dollars. The deposit can be replenished, and the interest rate will increase as the amount of the deposit increases. You can open it at the office of Promsvyazbank and in the Internet bank PSB-Retail.
Terms
- Deposit currency: Russian rubles, US dollars;
- Minimum amount: from 10,000 Russian rubles / 300 US dollars;
- Maximum amount: 20 million rubles, 500,000 US dollars.
- Replenishment: provided;
- Partial withdrawal: not provided;
Interest rate
Supplements (not cumulative):
- + 0.15% for owners of banking service programs when opening a deposit for a period of 6 months or more in the amount of 500,000 rubles or more;
- + 0.10% in rubles for pensioners;
Deposit of Promsvyazbank "My Opportunities"
This deposit in rubles, US dollars or euros can be beneficial for those who plan to replenish the deposit and withdraw money from the account, if necessary. The interest rate, of course, is not the maximum, but it is a payment for the convenience of handling money. You can open it at the office of Promsvyazbank and in the Internet bank PSB-Retail.
Terms
- Deposit currency: Russian rubles, US dollars, euros;
- Term: 181, 367, 547, 731 days;
- Minimum amount: from 50,000 Russian rubles / 300 US dollars or euros;
- Replenishment: provided;
- Partial withdrawal: provided subject to maintaining the minimum balance.
- Interest payment: capitalization or payment to the account.
Interest rate
Supplements (not cumulative):
- + 0.15% in rubles for owners of banking service programs when opening a deposit for a period of 6 months or more in the amount of 500,000 rubles or more;
- + 0.10% in rubles for pensioners;
- + 0.10% in rubles when placing a deposit in the Internet bank.
Deposit of Promsvyazbank "My Strategy"
This deposit can be opened for individuals by clients who have taken out a policy under the investment life insurance program. A deposit can only be opened at the bank's office, and it cannot be issued in favor of third parties.
Terms
- Deposit term: 181, 367 days;
- Minimum amount: 50,000 rubles;
- Maximum amount: 3 million rubles;
- Replenishment: not provided;
- Expenditure operations: not provided;
- Interest payment: at the end of the term.
Interest rates
8.75% per annum with an amount of 50,000 rubles or more;
9.0% per annum with an amount of 1 million rubles.
In case of early termination of the investment life insurance contract, the interest rate of the deposit can be reduced by 1 percentage point!
Savings account "Profitable"
The account is available for opening at the bank office and in the Internet bank;
Terms
- Replenishment without restrictions on the amount and term;
- Withdrawal of funds without loss of interest;
- The account is opened free of charge and for an unlimited period;
- There is no minimum account balance;
- Monthly interest payment, interest paid is capitalized;
- Connection of accumulation rules: “Replenished-accumulated” and “Bought-accumulated”.
Interest rates
6.0% per annum in rubles.
Savings account "Accent on interest"
This offer can be especially beneficial for those who regularly pay for purchases using Promsvyazbank debit or credit cards, and for fairly large amounts. You can open a savings account "Accent on Interest" at the bank's office or in a mobile or Internet bank.
Terms
- Minimum deposit: not set.
- Replenishment: no restrictions.
- Withdrawals: no limits.
- Interest payment: monthly with capitalization.
Base interest rates
If the minimum balance on the account is more than 700 thousand rubles, then for the amount up to 700 thousand rubles the client will receive income at a rate of 6.5% per annum, for amounts over 700 thousand rubles - at a rate of 5.5% per annum!
How to get a higher rate?
Pay for purchases with PSB cards in the amount of 10,000 rubles or more and get a surcharge on the rate of 1.0% to 2.0%.
The maximum rate of 8.5% per annum on the Accent on Interest account can be obtained if you have up to 700,000 rubles in your account and spend from 85,000 rubles per month on the PSB card.
Promsvyazbank deposit calculator 2019: calculate the deposit
To calculate the return on a Promsvyazbank deposit for individuals in 2019, you can use this form of an online calculator.
How to open a deposit in Promsvyazbank
Promsvyazbank deposits for individuals can be issued at bank branches or via the Internet.
Decoration in the office
- - Visit the bank office with a passport or other identification document.
- - Sign the application for joining the rules for placing deposits and other necessary documents that the bank operator will print out for you.
- - Make a deposit in cash through the cash desk or make a transfer from any of your accounts opened with Promsvyazbank.
- - After depositing funds (in cash or by transfer from an account), the operator will issue you a confirmation of the placement of a bank deposit.
Registration via Internet Banking
- - Issue a card or open an account and conclude a remote banking service agreement at any office of Promsvyazbank. If you are already connected to the Internet banking of Promsvyazbank, then you automatically get the opportunity to open deposits online.
- - Go to your personal account in the Internet banking of Promsvyazbank in the "Deposits" section.
- - Press the "Open deposit" button on the screen and select the deposit that suits you.
- - Money in favor of an open deposit of your choice will be debited from your bank card account, current account or demand deposit opened with Promsvyazbank.
- - Confirm the operation and the deposit is opened.
- - You can get a document confirming the opening of a deposit at any office of Promsvyazbank.
Are deposits of Promsvyazbank for individuals insured?
Deposit "My piggy bank"
The minimum amount to open is 10 thousand rubles. The conditions are quite convenient: interest can be capitalized or received every month (to a bank card, to a current account or to a demand account). The maximum interest rate is 6.25% per annum. It is possible to replenish and open in favor of a third party.
Contribution "My Opportunities"
Deposit amount - 50 thousand rubles or more. The maximum interest rate on the deposit is 5.8% per annum. Payment or capitalization (at the choice of the client) is made every month. The terms provide for the possibility of partial withdrawal, auto-prolongation and replenishment.
Deposit "My benefit"
The minimum amount is 10 thousand rubles. Interest will be paid at the end of the term. Max. rate - 6.6% per annum. The terms DO NOT provide for: partial withdrawal, interest capitalization, replenishment. There is a possibility of auto-prolongation.
Deposit "Maximum Interest"
The minimum deposit is 5 million rubles. Terms from 91 to 1100 days. The maximum interest rate for today is 7% per annum. It is possible to replenish and select the option of capitalization / payment of interest.
Fixed interest deposit
The most profitable type of deposit in Promsvyazbank. Designed for large depositors connected to the Private Banking program. Min. amount - 5 million rubles. There is a possibility of replenishment in the first 60 days, there is no partial withdrawal.
Promsvyazbank is probably one of the few financial structures in Russia where it is quite difficult to choose a deposit.
And the point here is not in confusing conditions or significant requirements for the depositor - it’s just that the variety of products “dazzles” - there are so many ordinary and special offers here.
And today we will consider a Solid Interest - a contribution that provides for the maximum benefit, coupled with preferential terms for early termination.
Terms
PSB puts forward the following conditions for the product in question:
PSB took care of its depositors and provided them with benefits in case of early cancellation of the agreement of the parties.
If other investment products of the PSB provide for the payment of interest in accordance with the terms of the Demand deposit, then in this case:
It turns out that when the relationship is terminated ahead of time, the client loses only half of the expected profit, while without benefits, the corresponding loss will be much more significant.
Opening a deposit is also available in favor of third parties - for example, minors. Great gift for an 18th birthday! Please note that this operation can only be performed during a personal visit to the PSB office.
And the most “delicious” awaits those who make an investment in the amount of 100 thousand rubles.
PSB Bank has prepared for such citizens a free service on premium products if there is a deposit for a certain amount:
What is interesting and useful available in these programs? For example, free debit cards that support contactless payment technology, or transfers in rubles through an Internet bank without charging commissions.
The “higher” the program, the more significant bonuses are provided. For example, the product Your PSB provides only 2 debit cards, while the product Your PSB Plus has as many as 4 premium cards.
Here is everything that a real businessman or entrepreneur needs:
- 5 premium cards;
- withdrawal of money without commissions abroad;
- increased rates on deposits;
- individual exchange rate;
- dedicated telephone line;
- transfers to other banks without commission for payment amounts up to 20,000 rubles;
- and much more.
Interest rate
The deposit is made only in rubles, respectively, the rate cannot depend on the currency. The term also does not play any role - that when opening for 3 months, which is for 1 year, the percentage will be the same.
So, the income depends only on the amount of money that is deposited by the investor. And since the deposit is non-replenishable, there is no change in the rate along with an increase / decrease in the size of the deposit.
In the table below, you can see what profit the investor expects when placing funds on the product in question:
How to make a Solid Interest deposit at Promsvyazbank
PSB cannot be called a little-known bank. And how can an organization that is practically at the top of the top list of credit institutions in Russia not provide various processing methods? Of course not.
Thus, the PSB makes it possible to carry out the procedure:
- in the office;
- through internet banking.
In the department - the "good old" way. If the depositor is not sure that he will do everything right via the Internet, you should contact a specialist in the office.
You will need to provide a passport or other document identifying the identity of a citizen. If the deposit is made in the name of a third party, the passport details of such a citizen will be needed.
Having provided the documentation and concluded the transaction, you should deposit cash at the cash desk. The operator will issue documentary confirmation of the successful completion of the operation. Congratulations, the deposit has been successfully opened!
And for modern and up-to-date people, online design is suitable. It is more convenient, faster, and, to some extent, even safer.
The exchange of information between the user and the credit institution takes place according to a secure protocol, so the compromise of information is completely excluded.
Here is what you need to do to be able to invest:
- issue a plastic card or open a current account with PSB;
- conclude an agreement on remote banking services;
- request a login and password from the operator to enter the online self-service system;
- log into the Internet bank using the received authorization pair;
- click “Open deposit” and select the desired product from the list presented;
- indicate the method of replenishing the deposit account - by transferring from a bank card, current account or other deposit;
- confirm the operation.
Congratulations! Remote registration was successful, and from tomorrow you can receive a “Strong Interest”!
The documents
All that is needed from the depositor is to provide the teller with a general passport (if the procedure is carried out in the department).
When opening online, documentation is not required at all - PSB already has all the necessary data on the client, which were obtained when concluding the Remote Banking Service Agreement.
Advantages
A citizen who has chosen PSB as a system for profitable investment of funds receives the following benefits:
- registration both in offices and online;
- the maximum interest rate, reaching 8.5% per annum with an investment of at least 1.5 million rubles;
- in case of an urgent need for money, the contract can be terminated ahead of schedule, and preferential conditions for early termination will act as a bonus;
- free use of service packages Your Promsvyazbank, Your Promsvyazbank Plus, Your Promsvyazbank Premium and Orange Premium Club upon depositing 100 thousand, 500 thousand, 1 million and 2 million rubles, respectively;
- registration in the name of a third party, including a minor citizen;
- 0.25% surcharge on the base interest rate for users of Your PSB Premium and Orange Premium Club service packages with a deposit of at least 1.5 million rubles.
This deposit was created for real connoisseurs of “big money”. After all, where else can you get an income reaching 8.5% per annum.
PSB also provides many nice bonuses - such as free service under special bonus programs. And if you need money ahead of time, the interest loss will be only half.
Video: How to choose a bank deposit. Basic parameters of deposits