Deposits in Belarusian rubles bps to sberbank. Profitable deposits in bps bank. Discontinued deposits

BPS-Sberbank OJSC is one of the largest long-lived banks among those existing in the Republic of Belarus. It is an open institution that regularly provides its financial performance.

BPS is a bank whose deposits for the population are always the most profitable for growth Money, is the most popular and reliable. The institution has a huge the international system connections. Today, depositors have the opportunity to draw up agreements on deposits in the bank in any currency. This is also due to the reason that the interest rate of foreign currency is an order of magnitude lower than the interest rate in rubles. But, nevertheless, the most popular currency in the BPS Bank is the Belarusian ruble.

The bank provides an opportunity to make deposits in Belarusian rubles of your choice.

Clients can use different types of bank deposits: “on demand” and “urgent”. The latter with a higher interest rate, but on-demand deposits provide the withdrawal of all funds at any time.

The most popular options among customers are “Save”, “Top up” and “Manage”. Their advantages include:

1. Foreign exchange savings are placed on individual term... Thus, the client invests money at a time convenient for him. Due to the fact that interest rates are not rigidly fixed, the client does not lose his interest charge in case of shortage of the number of days.
2. Flexible conditions for calculating interest rates and their withdrawal. The client has the opportunity to use the accrued interest at any time convenient for him. In the event that the client did not use the interest, then they are automatically added to the principal amount of the deposit. In this case, your total income increases.
3. Simple early termination. If it is necessary to close the bank deposit ahead of schedule, the interest accrued on which the client was counting is not lost. Depending on the period specified in the contract, upon termination of it after 3 months, from 50% to 100% of the accrued income will be paid.
4. Easy automatic renewal of the current deposit. In the event that the client does not need to withdraw funds from the deposit, it is automatically extended for a new similar period. At the same time, there is no need to appear at the bank branch yourself, which saves the client's time.
5. The amount of additional contributions is not limited. Clients can easily replenish their bank deposits for the amount that they deem necessary.

OJSC "BPS-Sberbank" from 24.02.2014 is introducing a new bank deposit called "Time of surprises". Cash deposits can be not only in Belarusian currency, but also in foreign currency.

Modernity and dynamism are the main priorities of BPS Bank's work. The availability of new products, consistently high quality services, and simple and effective solutions meet requirements like individuals and large enterprises. Save and increase your capital together with BPS-Sberbank!

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About the bank

The creation of BPS-Sberbank was carried out in close cooperation with the largest international financial institutions, which ensured its functioning in accordance with similar European institutions.

The main objectives of the Bank BPS:

• financial support for socially significant investment projects;
• provision of concessional lending to support small and large businesses;
• acquisition of assets of other banks in support of government activities and programs.

Continuous development, improvement of the service culture, highly qualified personnel become the guarantor of successful banking activities.

Video: Basic parameters

Types of deposits in BPS bank

Depending on the timing of placement, currency, purpose and functionality, deposits are classified into different types. BPS-Sberbank conducts operations with deposits in national and foreign currencies for various periods.

Depending on the goal set, we offer separate programs for companies and individuals.

Deposit in Belarusian rubles

To protect savings from inflation, deposit strategies in Belarusian rubles have the highest rates, which is why they are considered the most profitable among other deposits.

In BPS-Sberbank, you can choose the most profitable investment for a specific amount at a convenient time, as well as withdraw interest at any time.

The safety of funds is guaranteed by presidential decree No. 22 dated 04.11.2008.

Urgent

Term deposits are most often made out to increase the total amount of savings. The profitability of an investment is influenced by the term (higher - more profitability), amount (higher - more profitability) and the frequency of profit accrual (more often - lower profitability). At the end of the term, the depositor is transferred the entire amount and accrued interest.

BPS-Sberbank offers profitable term deposits with flexible terms.

Choose your storage method and multiply your savings!

Revocable "Increase"

The “Increase” deposit is designed to generate a high deposit income in a short time.

Discontinued deposits

Due to the opening of new offers for the following deposits, cash and cashless way stops.

In Belarusian rubles

In US dollars, EUR, Russian rubles

You can find out more information by contacting the support service.

How to arrange

To choose a profitable storage method, carefully study the bank's offers. Pay attention to the type of accepted currency and decide on the terms of placement.

Long-term investments are most often carried out in euros or dollars, while short-term deposits in national currency are profitable due to high interest rates.

What is needed to register a deposit in the bank:

• availability of a passport;
• registration standard contract one by one savings programs;
• the presence of an active checking account.

By choosing BTS deposits, you can be calm, because the safety of funds is guaranteed by the state.

Conditions

Depending on the storage period, currency and method of account management, you can choose the optimal savings program.

What are the conditions for deposits?

Savings account - convenient way investment of money with monthly replenishment.

The documents

For registration, you must visit one of the bank branches with a passport. You will be offered a standard agreement describing the conditions of the deposit you need.

If you have a valid client card, a regular transfer of interest income can be made.

Who can open

The use of savings programs is available to citizens of the Republic of Belarus. Persons who do not have Belarusian citizenship can open bank accounts, if this is not prohibited by the legislation of their country.

Introduced a contribution with the festive name "New Year".

Sberbank also made its profitable New Year's offer 2019 - 2020, which depositors, as they say, cannot refuse. it

"Profitable start" with maximum rate up to 5.85%.

"New Year's bonus", which can be opened at 5.25%.

Today it is already possible to discuss what those who invest in Sberbank promo-deposits for the New Year can get. Let's calculate how much you can earn on them. Maybe there are better options?

Deposit calculator

New Year's deposits in Sberbank 2019-2020: conditions and rates

Contribution "Favorable start"

This is a promotional deposit for individuals that can be issued only until January 31, 2020.

What is it good for? First of all, the interest rate. From 5 to 5.85% per annum in rubles for Sberbank is very good at present.

Why is he bad? Everyone else! Firstly, not everyone can apply for it. It is intended only for those who did not open a deposit with Sberbank from October 20, 2018 to November 20, 2019. That is, it is designed for new clients or those who have not had a deposit with Sberbank for more than a year.

Well, the rest of the disadvantages of the deposit are quite expected for such promotional deposits. This is the lack of the possibility of replenishment, partial withdrawal of funds from the account and complete termination of the contract without loss of interest. However, you can put up with this if you want to get a decent percentage in the Security Council of the Russian Federation.

New Year's Eve deposit “Favorable Start” is opened only online and at an ATM.

Deposit terms

Term: 6, 12, 18 months.
Amount: from 50,000 rubles.
Replenishment: No
Partial withdrawal: No
Interest: At the end of the term
Early termination: At a rate of 0.01%

Interest rates

6 months	12 months	18 months

New Year's bonus deposit

This is another Sberbank promo deposit with an increased interest rate, which can be issued in December 2019. But unlike the previous one, the "New Year's bonus" can be opened not until the 31st, but only until January 15, 2020.

What is it good for? The fact that he does not have the main disadvantage of the previous deposit. Anyone can apply for a "New Year's bonus"! Interest rates are attractive too. Note that the deposit is designed for a short investment of money.

It is suitable, for example, for those who want to profitably postpone the received in December annual prize to spend it in the coming vacation season. But if you do not want to spend, but continue to invest, then the "New Year Bonus" will not be an ideal choice. It is better to take a closer look at long-term deposits in order to fix a high rate as long as possible, the expert on deposit programs site Victor Davidenko.

You can apply for a "New Year's Bonus" both at a bank branch and remotely: via the Internet and at ATMs.

Conditions

Term: 4 - 9 months.
Amount: from 50,000 rubles.
Replenishment: no
Partial withdrawal: no
Interest: at the end of the term
Early termination: at a rate of 0.01%

Interest rates

4 - 6 months	6 - 9 months	9 months

Calculation of New Year's deposits of Sberbank 2019-2020

Let's calculate how much you can earn if you place the deposits offered by Sberbank for the New Year 2020. For example, we will invest 100,000 rubles for various periods.

✓ 4 months - "New Year's bonus" with a rate of 4.85% will bring income of 1,628 rubles. It is impossible to open a “profitable start” for such a period.

✓ 6 months - “Favorable start” at 5% will bring income of 2,527 rubles, and “New Year's bonus” with a rate of 4.85% will allow you to earn 2,451 rubles.

✓ 9 months - "New Year's bonus" with a rate of 5.25% will bring income of 4,016 rubles. A “profitable start” is not issued for such a period.

✓ 12 months - "Profitable start" at 5.5% will bring income of 5,642 rubles. You can't open the "New Year's bonus" for 1 year.

✓ 18 months - “Favorable start” with a rate of 5.85% will bring income of 9,140 rubles. You cannot issue a "New Year's bonus" for a year and a half either.

Conclusions: which of Sberbank's New Year deposits is the most profitable today?

As our simple calculation showed, it is impossible to answer this question unambiguously. It all depends on how long you plan to deposit money. If you want to invest for 4 or 9 months, then the "New Year's bonus" will be more profitable. And if for 6, 12 or 18 months, then the "Profitable Start" will be more attractive.

This year, when choosing a winter holiday deposit, I do not advise you to focus on Sberbank, continues the expert on deposit programs, the site Viktor Davidenko. For example, in Pochta-Bank, the "New Year" deposit for 275 days (9 months) can be opened at 6.2% per annum. And Sberovsky's "New Year's bonus" for the same period gives only 5.25% per annum.

Will deposit interest rates rise in the future?

Many people are asking this question today. And here is what banking professionals can say about this.

"If inflation does not accelerate, for example, due to external shocks, then we can expect a further decrease in rates on ruble deposits," - said the head of operations at the Russian stock market Freedom Finance Investment Company Georgy Vaschenko.

Vyacheslav Putilovsky, Junior Director for Banking Ratings at Expert RA, believes that the downward trend in deposit rates is likely to continue until the end of this year. “At the same time, traditional New Year's shares on the deposit market are likely to cause a small local increase in profitability, but they will not change the trend,” he suggests.

And a completely sad picture is painted by Mikhail Zadornov, Chairman of the Board of Otkritie FC Bank. According to him, Russian population realizes for the first time that in banking system deposit rates can be either 4% or 5%. "It's clear that Russian citizen, who is mainly used to either buying housing as an investment or keeping money in banks, will pay more and more attention to investment products and investments, ”he said.

Contacts for inquiries

Learn more about the conditions and interest rates of the new Sberbank deposit, as well as other deposits, on the official website www.sberbank.ru or at the bank's branches.

BPS-Sberbank OJSC is one of the largest long-lived banks among those existing in the Republic of Belarus. It is an open institution that regularly provides its financial performance.

BPS Bank, whose deposits for the population always turn out to be the most profitable for the growth of funds, is the most popular and reliable. The institution has a huge international system of connections. Today, depositors have the opportunity to draw up agreements on deposits in the bank in any currency. This is also due to the reason that the interest rate of foreign currency is an order of magnitude lower than the interest rate in rubles. But, nevertheless, the most popular currency in BPS Bank is the Belarusian ruble.

The bank provides an opportunity to make deposits in Belarusian rubles of your choice.

	Interest rate
"Manage"	12.5 to 26.5%	Drawn up for a period of 90 to 1000 days. In this case, the client independently chooses the exact date of the end of the contract. Monthly accrual of interest on a bank card.
"Time for surprises"		Term deposit The minimum amount is two million Belarusian rubles. The interest is fixed for the entire period - 3 months. They are credited to your bank card at the end of the term. Possibility of opening to another name.
"Increase"		The term is 35 days. The minimum amount is 2 million Belarusian rubles. Replenishment is made for any amount.
"Save"	18 to 28.5%	For a period from 90 to 1000 days (inclusive) with monthly interest payment.
"Top up"	17.75 to 28.4%	The minimum amount is 500 thousand Belarusian rubles. Monthly accrual of interest on a bank card.

Clients can use different types of bank deposits: “on demand” and “urgent”. The latter with a higher interest rate, but on-demand deposits provide the withdrawal of all funds at any time.

The most popular options among customers are “Save”, “Top up” and “Manage”. Their advantages include:

1. Foreign exchange savings are placed for an individual term. Thus, the client invests money at a time convenient for him. Due to the fact that interest rates are not strictly fixed, the client does not lose his interest in the event of a shortage of days.
2. Flexible conditions for calculating interest rates and their withdrawal. The client has the opportunity to use the accrued interest at any time convenient for him. In the event that the client did not use the interest, then they are automatically added to the principal amount of the deposit. In this case, your total income increases.
3. Simple early termination. If it is necessary to close the bank deposit ahead of schedule, the interest accrued on which the client was counting is not lost. Depending on the period specified in the contract, upon termination of it after 3 months, from 50% to 100% of the accrued income will be paid.
4. Easy automatic renewal of the current deposit. In the event that the client does not need to withdraw funds from the deposit, it is automatically extended for a new similar period. At the same time, there is no need to appear at the bank branch yourself, which saves the client's time.
5. The amount of additional contributions is not limited. Clients can easily replenish their bank deposits with the amount they deem necessary.

OJSC "BPS-Sberbank" from 24.02.2014 is introducing a new bank deposit called "Time of surprises". Cash deposits can be not only in Belarusian, but also in foreign currency.