The Golden deposit in Rosselkhozbank offers today, perhaps, the maximum rate in comparison with other programs of the institution. But it is intended for wealthy clients who are ready to invest large sums.
Conditions
Opening a deposit is allowed in one of three currencies, starting with the following values:
- In rubles: from 1.5 million;
- In dollars: from 50 thousand;
- In euros: from 50 thousand.
There is no maximum limit. The term is selected in the range from 3 months to 4 years.
Upon request, the client will be issued an Amur Tiger card. It provides free service and the accrual of 7% income on the balance.
Interest rate
The amount of the rate depends on the amount of the deposit, on the duration and on the method of crediting the interest chosen by the client. So, if a rate of 7.3-7.4% is assigned for an amount of 1.5 million rubles, then when depositing more than 30 million rubles, the minimum limit starts from 7.55-7.75%.
The maximum values are in the range of 8.65-8.9% and are provided for programs when the payment of all income occurs at the end of the contract. The rates intended for the program with capitalization differ slightly less.
For dollar deposits, the interest rate will be 0.4% -2.15%, for deposits in euros - 0.01% -0.55%.
A surcharge of 0.2% is subject to the opening of a deposit through online resources. Interest rates for foreign currency deposits are calculated using a similar principle.
Deposit calculator Gold
The online calculator allows you to identify the most interesting program in terms of income level by substituting the desired deposit parameters.
How to open
The opening of an account to generate income takes place at the branch. The client must have an identity document (passport) and fill out an application. The contribution can be made in cash or transferred from another account.
The online application method provides for a more simplified procedure. The client needs to visit the Internet bank and submit an online application. After the bank confirms the selected conditions, you will need to transfer the agreed amount to the deposit account.
Income
Since the values of the rates directly depend on the method of crediting, then the level of profitability can vary significantly according to the selected conditions.
Interest payment
There are several ways to calculate income today:
- Once for the entire amount at the end of the deposit term. In this case, the income can be transferred to a separate client account or added to the contribution;
- Once a month with the condition of capitalization (adding to the balance of the deposit);
- Once a month, sent to a separate account for the ability to dispose of income.
If, at the end of the agreement, the depositor does not apply for closure, prolongation takes place on the same terms for the same period. Under contracts signed before 2014, the extension is carried out with the condition of accruing interest on the entire amount at the end and adding it to the balance.
Additional Information
According to the Resolution of the Bank's Management Board, from December 1, 2017, prolongation under agreements with expired stops. Contributions will not be accepted either.
Deposits are insured in the state system deposit insurance.
Gold deposit operations
Expenditure procedures with an account with the ability to save the conditions of accumulation are not performed.
Replenishment
The opportunity to supplement the originally placed amount is not provided.
Withdrawal
It is possible to withdraw the deposited funds and the income received only upon the expiration of the agreement. If the appropriate condition is selected, the withdrawal of accrued interest, which is credited to a separate account, is allowed.
If it is necessary to close the account ahead of schedule, the rules for calculating interest are changed. In particular, a minimum setting of 0.01% applies.
Contribution "Amur Tiger"
To open, you need to make a deposit of 50 thousand rubles or more. The maximum interest rate is 6.3% per annum. Interest is paid monthly to a bank card account. The conditions do NOT provide for: capitalization, partial withdrawal, replenishment. There is a possibility of auto-rollover.
Deposit "Your income"
The minimum amount for opening is 500 thousand rubles. Timing ranges from 91 to 1095 days. The maximum interest rate on the deposit is 6.75% per annum. Interest will be paid at the end of the term (if the option of monthly interest payments or their capitalization is selected, the rate will be slightly lower). There is no possibility of replenishment, capitalization and partial withdrawal... Auto-rollover and opening through the Internet Bank are provided.
| Sum | Term / Interest rate | ||||||||
| 91 days. | 180 days. | 270 days. | 365 days. | 455 days. | 540 days. | 730 days. | 910 days. | 1095 days. | |
| from 500 tr | 6.05% | 6.1% | 6.15% | 6.3% | 6.3% | 6.45% | 6.65% | 6.65% | 6.65% |
| from 1.5 million rubles | 6.05% | 6.1% | 6.15% | 6.3% | 6.3% | 6.45% | 6.65% | 6.65% | 6.65% |
| from 5 million rubles | 6.05% | 6.1% | 6.15% | 6.3% | 6.3% | 6.45% | 6.65% | 6.65% | 6.65% |
| from 10 million rubles | 6.1% | 6.15% | 6.2% | 6.35% | 6.35% | 6.5% | 6.7% | 6.7% | 6.7% |
| from 30 million rubles | 6.1% | 6.15% | 6.2% | 6.35% | 6.35% | 6.5% | 6.7% | 6.7% | 6.7% |
| from 50 million rubles | 6.15% | 6.2% | 6.25% | 6.4% | 6.4% | 6.55% | 6.75% | 6.75% | 6.75% |
| from 100 million rubles | 6.15% | 6.2% | 6.25% | 6.4% | 6.4% | 6.55% | 6.75% | 6.75% | 6.75% |
Pension Plus deposit
Opens upon presentation of a pension certificate from 500 rubles for 395 or 730 days. Max. amount - 10 million rubles. Interest rate 5.9%. The conditions provide for: monthly payment (capitalization) of interest, partial withdrawal, auto-rollover, replenishment.
Deposit "Profitable"
Min. the amount to open is 3 thousand rubles. The average interest rate is up to 6.65% per annum. Payment of interest at the end of the term. Partial withdrawal, replenishment and capitalization of interest are not provided (if you select the option of monthly payment / capitalization of interest, the rate will be lower). Important: There is a possibility of opening through an ATM or Internet Bank with a rate increase of 0.05%.
| Sum | Term / Interest rate | ||||||||||
| 31 days. | 91 days. | 180 days. | 270 days. | 395 days. | 455 days. | 540 days. | 730 days. | 910 days. | 1095 days. | 1460 days. | |
| from 3 tr. | 6% | 6.05% | 6.1% | 6.15% | 6.3% | 6.3% | 6.45% | 6.65% | 6.65% | 6.65% | 6.65% |
| from RUB 700 | 6% | 6.05% | 6.1% | 6.15% | 6.3% | 6.3% | 6.45% | 6.65% | 6.65% | 6.65% | 6.65% |
| from 1.5 million rubles | 6% | 6.05% | 6.1% | 6.15% | 6.3% | 6.3% | 6.45% | 6.65% | 6.65% | 6.65% | 6.65% |
Deposit "Comfortable"
Min. deposit - 10 thousand rubles. The interest rate is low - up to 4.3% per annum. The client can choose to pay monthly or capitalize interest. There is a possibility of replenishment, auto-rollover and partial withdrawal. Important: There is a possibility of opening through an ATM or Internet Bank with a rate increase of 0.05%.
| Sum | Term / Interest rate | ||||||||
| 91 days. | 180 days. | 270 days. | 395 days. | 455 days. | 540 days. | 730 days. | 910 days. | 1095 days. | |
| from 10 tr. | 4.25% | 4.25% | 4.25% | 4.25% | 4.25% | 4.15% | 4.15% | 4.15% | 4.15% |
| from 300 tr. | 4.25% | 4.25% | 4.25% | 4.25% | 4.25% | 4.15% | 4.15% | 4.15% | 4.15% |
| from RUB 700 | 4.3% | 4.3% | 4.3% | 4.3% | 4.3% | 4.2% | 4.2% | 4.2% | 4.2% |
| from 1.5 million rubles up to 10 million rubles | 4.3% | 4.3% | 4.3% | 4.3% | 4.3% | 4.2% | 4.2% | 4.2% | 4.2% |
In line bank cards issued by Rosselkhozbank, there are interesting offers for clients wishing to use status cards. At Rosselkhozbank debit card gold is issued under different programs. This will allow potential and existing customers to choose the most interesting offer.
Debit card of the Gold category in the Russian Agricultural Bank
Bank cards of this category are positioned as status cards. Each of them provides certain privileges and bonuses. Debit cards are issued Gold cards Russian Agricultural Bank with Visa and MasterCard payment systems. Each of them provides for Gold card users additional benefits, suggestions and some support.
Open gold card at Rosselkhozbank, you can use the following programs:
- Salary;
- Personal;
- Capital;
- Track.
Let's take a closer look at each program.
Gold Salary Card
The gold salary debit card of Rosselkhozbank is issued for 3 years, the cost of the annual service is 2 thousand rubles, SMS informing - 59 rubles. per month. Can be issued to any payment system(Visa and MasterCard).
The benefits include:
- The ability to conduct a transaction without commission in own ATMs and ATMs of partners (Alfa-Bank, Raiffeisenbank, Rosbank and Promsvyazbank).
- Low withdrawal fees Money at third-party ATMs (1% of the amount);
- Large cashing limits: daily - 500 thousand rubles, monthly - 3 million rubles;
- Implementation of non-cash transactions (payment for purchases, services) without commissions;
- Receiving benefits for consumer lending;
- Transfer of funds to Rosselkhozbank's own cards without additional fees;
- Free Internet banking.
Personal card
The personal gold debit card of Rosselkhozbank is issued for 3 years. It can be opened in any currency, the cost of an annual service is 2000 rubles / 65 dollars or 45 euros. Has almost all the benefits salary card Gold.
The main differences will be:
- Absence of a monthly limit for withdrawing funds and the amount of daily allowance (300 thousand rubles);
- Participation in bonus program Harvest, which allows you to spend the accrued bonus points when paying for purchases and services. 1.5 points are awarded for every 100 rubles spent. for cashless payments.
Map Capital
The conditions for opening and servicing debit cards of Rosselkhozbank Gold practically do not differ from those described above. Opens in three currencies, involves participation in the Harvest bonus program. The main difference and advantage over other cards of the gold category is the accrual of interest on the account balance in the amount of 5% in rubles and 2% in foreign currency provided that there is at least 30 thousand rubles on the bank account. or 900 dollars / euro.
Gold Trail Map
This card is designed specifically for people who travel a lot, as well as for those clients whose work is related to frequent business trips.
Cardholders receive more bonuses under the Harvest program than other cardholders. In the first two months, 5 points for every 100 rubles spent from the card. and 7 for making payment by card for goods and services in enterprises of the category "travel". Starting from the 3rd month, points will be awarded in the amount of 2.5 and 3.5, respectively.
The card is issued for 3 years, the cost of the issue is 299 rubles. Monthly card service - 300 rubles. But if your monthly turnover is equal to 50 thousand rubles, it will be free. SMS-informing for the owners of this card is also free.
Cash withdrawals from ATMs of Rosselkhozbank and partner banks are carried out within 300 thousand rubles. per day and 2 million rubles. per month. The card is issued only in national currency.
Conclusion
The Rosselkhozbank gold debit card can be opened under any of the four proposed programs. It provides the owners with certain advantages and bonuses both from the bank and from the payment systems.
