Bank "Opening" in 2020 updated the deposit rates for individuals, including pensioners. Consider how much high percentages You can get by opening a deposit today.
The "Opening" bank offers customers in 2020, including pensioners, a wide range of deposits of individuals under profitable interest. It has offers in rubles and currency for a wide variety of money management strategies.
For the convenience of perception, we divided the savings proposals of the Bank "Opening" to 4 large groups:
In this review, we will examine in detail the features, pros and cons of each of the deposits of the "Opening" bank for individuals, including pensioners. In addition, find out which of the savings offers is the most profitable.
Bank deposits Opening in 2020: interest and conditions
IN lately Banks in Russia, including "opening", reduce interest rates of deposits. This is connected with a decrease in the key rate of the Central Bank. Nevertheless, while the yield of deposits in the "opening" is quite attractive, compared with banks-competitors from the top 10. Let's start with deposits that can bring the greatest income.
Under the maximum percentage
Attention should be paid to such deposits if you have a large amount. Putting it into the bank, it will not be worried that money will eat inflation. It is also possible to "live percentage."
Contribution of Bank Opening "Reliable Promo"
As it is clear from the name, it is a promotional deposit. And accordingly, it should be something better than others to attract the attention of potential customers. His main advantage is elevated bid up to 5.5% in rubles, taking into account the capitalization of interest. But to get it, you must invest pretty large amount - minimum 750 thousand rubles. Replenishment or partial removal of interest without percent loss are not provided. But the percentages can be removed or capitalized depending on your desire.
(+) Plus: High interest rate.
(-) Minus: no replenishment and removal of funds without loss of profitability, a large minimum amount.
Interest rates
5.5% per annum with capitalization;
5.37% per annum without capitalization.
Conditions
- Term: 367 days;
- Amount: from 750,000 rubles;
- Replenishment: No;
- Partial Removal: No;
- Capitalization: there;
- Payment of interest: monthly;
Deposit Calculator
Bank's contribution Opening "Reliable"
This is the basic version of the previous deposit. More flexible. You can invest only 50,000 rubles and for different times from 91 to 730 days. Distinctive features of the deposit - High yield, no possibility of replenishment and partial removal. Without sanctions from the bank from the account, you can only take interest accrued monthly interest. And you can capitalize them.
(-) Minus: no ability to replenish and remove funds without loss of profitability.
Interest rates
5,30 / 5,17 |
Conditions
- Term: 91, 181, 367, 730 days;
- Amount: from 50,000 rubles;
- Replenishment: No;
- Partial Removal: No;
- Capitalization: there;
- Payment of interest: monthly with capitalization or by a separate account;
- Early termination: at the request "to demand".
Calculate possible income on the deposit
Contribution of Bank Opening "Main Income"
This is a classic urgent deposit of individuals with high yield and limited features on fund management. Conditions are provided monthly capitalization or payment of interest is convenient for you: to the current account, at the expense of "demand" or on bank card. His main difference is the possibility of registration in US dollars with a profitable today's time bid - up to 1.25% per annum.
(+) Plus: High interest rate.
(-) Minus: There is no possibility to replenish and remove funds without loss of profitability.
Interest rates
(with capitalization / without capitalization)
In rubles of the Russian Federation
Conditions
- Term: 91, 181, 367, 730 days;
- Replenishment: No;
- Partial Removal: No;
- Capitalization: there;
- Payout percent: monthly or at the end of the term.
See also conditions of deposits in Sberbank:
Deposit deposits
Such deposits will be particularly beneficial if you plan to save money, departing part of income from time to time.
Contribution of Bank Opening "Active replenishment"
This deposit of individuals whose conditions provide for the possibility of replenishing the account. But the interest rate, respectively, will be lower. Accrued monthly interest can be capitalized or removed.
(+) Plus: It is possible to replenish.
(-) Minus: There is no possibility to make money without loss of profitability.
Interest rates
in rubles of the Russian Federation
Conditions
- Term: 91, 181, 367, 730 days;
- Amount: from 50 000 rubles / 1000 dollars;
- Replenishment: yes;
- Partial Removal: No;
- Capitalization: there;
See which deposit rates offer Gazprombank today:
Deposit with replenishment and partial removal
These deposits have not the most high ratesBut their benefit is the convenience of managing money lying in the bank. You can replenish your account, as well as take part of the money without fearing to lose interest.
Contribution of Bank Opening "Free Office"
This deposit of individuals with maximum freedom of management: the possibility of replenishing and partial removal of funds without losing interest. It can be opened both in any branch of the bank and independently, via the Internet.
(+) Plus: You can replenish and remove the means without loss of income.
(-) Minus: Low interest rate.
Interest rates
(with capitalization / without capitalization)
in rubles of the Russian Federation
Conditions
- Term: 91, 181, 367, 730 days;
- Amount: from 50 000 rubles / 1000 dollars;
- Replenishment: yes;
- Partial removal: yes;
- Capitalization: there;
- Percentage payment: monthly.
See the interest and conditions of deposits in VTB Bank:
Profitable account "My Piggy Bank"
This is a cumulative account with replenishment and removal of money without any restrictions in the amount and time. His main feature And the difference from the usual contribution is that interest is accrued on the amount of the average monthly balance / minimum account balance within a month. The conditions also provide for a percentage rate to 1% when purchasing an investment insurance product.
You can arrange an account in the bank branch, as well as via the Internet or in a mobile application, not only in rubles, but also dollars or euros.
Interest rates
In rubles
Dumping:
0.2% per annum in rubles if the client has a valid premium status;
up to + 1.0% per annum in rubles when buying an investment insurance product.
In US dollars
0.5% per annum
In Euro
0.01% per annum.
Conditions
- Currency: rubles, dollars, euros;
- Term: without limitation;
- Min. Amount: not installed;
- Replenishment: yes;
- Partial removal: yes;
- Capitalization: there;
- Percentage payment: monthly.
Score "Cumulative"
This revenue account in which the interest rate increases depending on the period of staying in the bank of your savings. But in its terms there are a number underwater stones:
- Percentages are accrued separately for each replenishment.
Suppose you put 100,000 rubles on account. In the first 2 months, a rate of 3% per annum will be valid for this investment. And then it will grow, depending on the shelf life of money on the account.
After a while you brought another 100,000 rubles to account. And again on this replenishment in the first 2 months will act minimum bid 3% per annum with the possibility of further enhancement.
Thus, for each new replenishment, the rate will be calculated again - starting with 3% per annum.
- When removing money from the account, the sum of the last replenishment is reduced.
You can replenish your account or shoot money from it at any time and without restrictions. But when removing money from the account, the sum of the last contribution is reduced to which the minimum percentage is accrued.
Thus, your accumulations that are accommodated longer and bring the greatest income will remain unchanged.
Interest rates
Conditions
- Term: not installed;
- Amount: not installed;
- Replenishment: without restrictions;
- Partial removal: without restrictions;
- Payout percent: monthly and at the end of the term.
See what interest on deposits today gives Rosselkhozbank:
Contribution with the design of the investment product
This deposit has high interest rates. But it must be remembered that only the deposit itself with interest is insured. Money you buy investment products state insurance Not subject to!
Contribution "Outdoor"
This is a deposit for clients who have entered into insurance contracts for investment products « Cumulative insurance Life "(NSZH)," Investment insurance Life "(saint)," Trust management"(DU), as well as trust management for the maintenance of an individual investment account (Du IIS).
(+) Plus: There is an opportunity to increase the already favorable interest rate.
(-) Minuses:
There is no possibility to replenish and remove funds without loss of profitability;
It is impossible to place without buying an investment product.
Interest rates
5,17 |
Dumping:
from 0.25% to 2.0% of the conclusion of an investment product agreement.
Conditions
- Term: 91, 181, 367, 730 days;
- Amount: from 50,000 rubles;
- Replenishment: No;
- Partial Removal: No;
- Capitalization: there;
- Percentage payment: monthly.
How to make a contribution
Open deposits for individuals in the "Opening" bank can be several ways.
- In the department. This path will have to go through those who appeal to the bank for the first time. To make a deposit, you need to contact the nearest office of the Bank with a document certifying the personality. Bank employee will help arrange required documentswill only have to make money on account. Also, the Bank will also have to contact the deposit on third parties.
- In the Internet Bank. Those who are already the "discovery" client and has access to the Internet Bank, can make a contribution to online. It's comfortable.
- In mobile application. This method will be convenient to those clients "discoveries" who use mobile application bank.
What is the contribution of the bank today the most profitable - conclusions
Let's try to figure out which of the deposits in the opening is the most profitable today. The question, let's say straight, not simple.
If you judge the interest rate, then these contributions "reliable" in rubles or "main income" in dollars. They have the greatest yield to date.
But there are also cons: they can not be replenished, there is also no possibility to make money without losing interest.
And because those who need to not only save, but spend money if they need, you can pay attention to the accounting accounts "My piggy bank" and "accumulative". They make it possible to manage the means lying in the bank, and the interest rate is very good.
About Bank
"Opening" works on financial market Since 1993, it is included in the list of systemically significant credit organizations, approved by the Central Bank. The key shareholder of the Bank "Opening" is the Bank of Russia with a share of 99.99%.
On January 1, 2019, the joining "Binbank" to the "Opening" bank was completed. As a result, a new major player appeared on the market, which offers customers a complete line of modern financial products.
The Bank's regional network includes 745 offices in 258 cities 69 countries of the country.
A significant part of the business is focused not only in Moscow, and St. Petersburg, as well as Yekaterinburg, Tyumen and Novosibirsk regions, Khabarovsk and Krasnodar Territory.
The deposits of the bank discovery are insured by the state. Maximum reimbursement amount insurance case will be 1.4 million rubles, taking into account recruitment.
Contacts for certificates and consultations
Phones:
8 800 444 44 00 (free call in Russia),
+7 495 224 44 00 (free call in Moscow).
Address:
115114, Moscow, ul. Svetnikovskaya, d. 2, p. 4.
General License of Bank of Russia No. 2209. Information is not a public offer.
I give my consent to the processing of personal data carried out without the use of automation tools. I am in accordance with Federal law From 07.07.2003 No. 126-FZ "On Communication" I give my consent to the telecom operator, with whom I had an agreement on the provision of communication services with respect to the mobile number specified in this application for the provision of PJSC FC Opening Bank, the location address: Moscow, ul. SEMNIKOVSKAYA, D. 2, p. 4 of the subscriber information and communication services provided to me under the contract for the provision of communication services concluded with such a telecom operator.
Consent to the processing of my personal data, including using automation tools, I will be given PJSC PC Opening Bank. General License Central Bank RF dated November 24, 2014 №2209, location Moscow, ul. Svetnikovskaya, d. 2, p. 4.
The list of third parties in respect of which I agree to the processing of my personal data in order to promote the Bank's services, joint services of the Bank and third parties, products (goods, works, services) of third parties, the implementation of postal mailings on the Bank's application, as well as loan service: Open joint-stock company "Brokerage House" Opening ", location 115114, Moscow, ul. SEMNIKOVSKAYA, D.2, p. 4; Limited Liability Company " Management Company "Opening", location 119021, Moscow, ul. Timur Frunze d. 11, p. 13; Open Joint Stock Company Financial Corporation "Opening", location 115114, Moscow, ul. SEMNIKOVSKAYA, D.2, P.4; Limited Liability Company "Debt Center" Opening ", location 105064, Moscow, YakovoPostolsky per., D. 12, p. 1; Open Joint-Stock Company "Opening Insurance", location of 123007, Moscow, 4th Truck Street, House 11, Building 2; CLOSED JOINT-STOCK COMPANY "AKKORD POST", location of 113452, Moscow, Azov ul, 31; FSUE "Post of Russia", the location of 131,000, Moscow, Warsaw Highway, 37; OPEN JOINT STOCK COMPANY "NOMOS-BANK", location of 109240, Moscow, Upper Radishchevskaya ul, d. 3, p. 1; Netto-Sistema Limited Liability Company, location 115409, Moscow, Kashirskoye Sh., D.58, Corp.3 (in the volume of surname, name, patronymic (if available); date of birth; Data certifying personality Client; contact (e) telephone (s) and address email; address of the place of residence (registration); The WebMoney e-wallet number (subject to this information in this statement-questionnaire)) Information on Netto-System LLC is printed only if the client is designed to issue a map as part of a joint project of the Bank and LLC Netto-System; Lavtek.ru limited liability company, location 119071, Moscow, Leninsky Prospect, d. 29, p.2; Limited Liability Company "Ivi.ru", location 127015, Moscow, ul. B.Novodmitrovskaya, d.23, p.5; Limited Liability Company Microfinance Organization "Migkredit", location 127018, Moscow, ul. Sostevsky shaft, d. 5, p. 3; JSC "Football Club" Spartak-Moscow "Place of location 105066, ul. Novoryazanskaya, d.31 / 7, Cor.24; LLC "Likard", location 400131, Volgograd region, Volgograd, ul. Communist, d. 13a; NPO Rapida, location of 125315, Moscow, ul. Previch, D.20, Corp.2; PJSC "Aeroflot", location 1119002, Moscow, Arbat Street, 10; PJSC "Airline UTair", location: 628012, Khanty-Mansiysk, airport.
\u003e I agree that in order to fulfill the contract, the Bank can transfer any information to branches, subsidiaries, offices, affiliates and agents of the Bank, as well as third parties (including any credit bureaus) at the discretion of any of them, regardless of the location of those, for confidential use (including in connection with the provision of services and products, data processing, statistical reporting and risk management). Bank and any of its branches, subsidiaries, offices, affiliates and agents or third parties can transfer and disclose any such information in accordance with the requirements of the legislation of the Russian Federation.
If you want to multiply your accumulations, you can open the contribution to the "FC Opening" bank. This product differs in the ease of its design, as well as the benefit that the consumer receives when placing free money. He managed to earn without much effort, and the amount of income is directly proportional to the amount that is stored in the account.
When choosing a specific option, you should navigate, first of all, on such a parameter as the level of the applied rates. The higher the percentage, the better for the client. But the deadlines are of great importance. As a rule, the longer the money is stored on a cumulative account, the higher the yield. The client needs to remember that if he detects partially or fully the entire amount, it will lose, since interest is recalculated in a smaller side - based on the current value of the refinancing rate of the Central Bank.
Useful services Site
If you are looking for actual information On the proposals of banks on the opening of the deposit - go to our portal. Here are only reliable information about actual ways to invest free cash. With us you will find answers to all questions and make it in the shortest possible time.
You can be sure that the data posted here is a thorough check, as well as regularly updated. It is necessary so that you make decisions based on current interest rates.
To stay on better option, Compare the current conditions for the provision of services in various banks. After you choose a specific product, go to the site of your favorite organization will be simpler - using the direct link function.
To date, the most popular ruble deposits, not in euros or US dollars. At the same time, the consumer is always entitled to open a multicurrency account to minimize the risks associated with changing courses.
The most popular among citizens are the following positions:
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