Correct bank deposits solve two problems at once: allow banks to offer profitable loans, and customers - to receive additional passive income. If the choice of deposit by the client is made correctly, the question of whether it loses its relevance. In addition, being one of the most reliable ways of investing, bank deposits ensure the safety of funds and in most cases are additionally insured. For example, everyone is insured.
Advice: before opening any deposit, you should make sure that it is insured, which is very important in conditions of financial instability.
Russian Capital Bank - deposits for individuals in 2017
"Easy Choice"
The "Easy Choice" deposit is opened for a period of 181 to 750 days, as well as in three currencies: rubles (from 10 thousand), dollars (from 300) and euros (from 300). In this case interest rate will depend not only on the chosen term, but also on the amount actually invested: 4.9-6.8% (rubles), 0.15-0.5% (dollars), 0.01-0.3% (euros) . Replenishment of the account by depositing additional funds and debit transactions (up to the minimum balance) are allowed. Interest is paid monthly (with capitalization at the request of the depositor). In case of early termination, the tariff rate "On Demand" applies.
"Poste restante"
Demand deposit for individuals in 2017 does not imply any restrictions on either down payment, neither by replenishment nor by expenditure transactions. The periods for investing funds are also not set. For any of the three currencies (rubles, dollars and euros), the interest rate will be 0.01% per annum. Payments are made monthly to the current account.
How to open a deposit in Russian Capital Bank?
Russian Capital Bank is an institution with a long history. Having started its work in 1993, today it occupies a leading position and is one of the hundred largest commercial banks in the Russian Federation. The CBR has included "Russian Capital" in the NPF, in which pensioners can place their savings and accumulate pensions.
Deposits of individuals of Russian Capital Bank - this is one of the highest interest rates in 2016 (many are valid since 2015), flexible management of money and fast processing.
"Catch Your Luck"
Almost all deposits, except for one, can be issued by the client in one of the branches of the Russian Capital Bank, which are located on the territory of the Russian Federation in Moscow, Penza, Nizhny Novgorod and other cities.
As part of the deposit, a promotion is held for all customers who manage to take advantage of the offer before 03/31/2016. The prize in the action is 4 thousand rubles. The rest of the contribution is profitable investment funds.
Its conditions are:
- up to 395 days;
- differentiated rate - 10-11.3%;
- currency - only rubles;
- the maximum amount is up to 100 thousand rubles;
- interest - a current or deposit account, as well as a client card;
- classic deposit management - a ban on withdrawals/replenishments;
- there is no prolongation;
- in case of early termination of the contract, the rate used is the same as in the “On Demand” deposit (0.1%) for the actual term.
Opening a deposit in Russian Capital in 2016 is possible in a branch or through Internet service channels. You can also submit a preliminary application by phone or e-mail of the bank.
"Russian capital plus"
Today, progressive rates are in effect on this deposit in Russian Capital, and the possibility of making additional contributions has been established. It is optimal for those clients who have a minimum initial amount, but plan to regularly increase it and the final interest income from the deposit in the future.
The terms of this offer are:
- terms from one year to 1100 days;
- three currencies, they have the following minimum contributions: 10 thousand / 300 in rubles or foreign currency;
- There are no restrictions on the maximum deposit amount;
- additional payments during the entire term of the contract, they can be transferred from the card or paid to the cashier in cash;
- replenishment amounts are limited: from one thousand in rubles, 100 dollars / euros;
- the interest rate will increase as the principal amount of the deposit increases;
- there is no expense;
- auto-renewal allowed;
- early dissolution: rate of 0.1% when storing money for less than 1/3 of the term, more than - a preferential rate.
Interest can be transferred to the account or card specified by the client, as well as join the principal amount of the deposit (capitalize), increasing its size and interest income.
"Pension capital"
Russian Capital deposit for retired clients. It opens upon presentation of two documents - a pensioner's certificate and a Russian passport. A small down payment (from 10 thousand rubles), enough high percent, flexible management of funds.
Conditions of this deposit in the bank "Russian Capital" for today:
- ruble account;
- period within 395-1100 days;
- the minimum contribution is from 10 thousand rubles;
- no maximum amount has been set;
- replenishment is allowed 30-90 days before the end of the term;
- the expense is permissible within the minimum balance, which corresponds to an initial contribution of 10 thousand rubles;
- consumption per month - a maximum of 100 thousand;
- monthly interest, issued to the client in cash / to the account / card every month and at the end of the term;
- early withdrawal - preferential rate applies;
- interest on the deposit of the bank "Russian Capital": 8.5-9.4%;
- no auto renewal.
At the request of the depositor, it is possible to use the capitalization of interest - the monthly summation of the accrued interest income to the invoice amount (analogue of additional payment). Contributions can be made at the cash desk or by crediting from the client's card/other account.
"Easy Choice"
This deposit has flexible money management options: additional payments, withdrawals during the period of the contract, a small down payment. Receipt of interest - in any of the ways at the request of the depositor: to the account, to plastic card, capitalization.
Program parameters:
- terms up to 750 days;
- currencies: ruble, euro and dollars;
- the amount of the first installment is 10 thousand (in rubles) and 300 (in foreign currency);
- replenishment is allowed, both in cash and in a non-cash mode;
- maximum size the contribution is not established;
- expense - up to the balance: 10/200/700 thousand in rubles and 300/6 thousand/20 thousand (in foreign currency), the amount of the balance is determined by the depositor;
- monthly interest on the account/card, capitalization is possible;
- early withdrawal the minimum rate;
- auto-renewal, if at the time of its implementation this deposit is valid;
- rates on this deposit of Russian Capital Bank: the maximum amount is 8.4/2/1.3% (ruble, dollar and euro, respectively).
The client can replenish the account in cash / non-cash mode up to 1-2 months before the end of the contract. The expense is possible up to the balance, which is determined independently by the depositor at the time of making the deposit.
"Sunny city"
A money placement program specifically for investors in the Samara region. This product was launched in honor of the merger of the two banks Russian Capital and Potential. Accordingly, the opening is carried out exclusively in the Samara region through the branches of the Potential bank.
Conditions:
- term - three months;
- rate - 8%;
- program currency - rubles;
- contribution - from 10 thousand;
- monthly interest is due, they can also be capitalized at the request of the client;
- partial withdrawal - no;
- replenishment: no restrictions, during the entire period;
- auto-renewal - no;
- early withdrawal of money - the percentage is reduced to a minimum (0.1%).
To open any deposit, you must personally contact the Russian Capital branch with a passport or send an application by phone or to email listed on the official website. You can also register there personal account» and manage accounts with the help of a remote maintenance service.
Features and limitations of the Russian Capital Plus deposit
Favorable termination: in case of early withdrawal of the deposit, income is retained at a special interest rate.
Auto renewal: at the end of the deposit term, an automatic extension of the deposit for the next term is provided.
If during the term of the deposit, as a result of accumulation, the deposit amount moves into an amount range different from that to which the deposit was assigned when it was initially accepted by the Bank, the interest rate on the deposit is set at the level corresponding to the new amount range.
Acceptance of additional contributions is terminated: - for deposits for a period of 91, 181 days or 395 days - 30 calendar days before the expiration of the deposit; - for deposits for a period of 540 days - 45 calendar days before the expiration of the deposit; - for deposits for a period of 750 days - 60 calendar days before the expiration of the deposit; - for deposits for a period of 1100 days - 90 calendar days before the expiration of the deposit.
The agreement is extended for the same period, if the depositor has not claimed the deposit amount after its expiration. The deposit is extended on the terms and with the interest rate applicable to the Russian Capital Plus deposit at the time of the extension of the agreement. The contract can be extended an unlimited number of times. The agreement is not extended if the Russian Capital Plus deposit is not active in the bank at the time of its expiration. At the same time, upon the expiration of the deposit term, the agreement is considered terminated, and the balance Money on the deposit account is transferred to the current account of the depositor.
In case of early withdrawal of the deposit amount, the interest paid to the depositor for the previous months of the current deposit term shall be subject to recalculation, and the difference between the amount of interest paid and payable shall be reimbursed by the depositor from the deposit amount or at the expense of own funds at the time of the return of the deposit. The condition of capitalization of interest in case of early withdrawal of the deposit during the current period is not applied. In case of early withdrawal of the deposit amount, interest on it is paid on the date of return for the actual period of the funds in the deposit account.
One of the most profitable deposit products on the market banking services. Combines the reliability of a financial institution and increased income. The term of this deposit is one month longer than the annual period. For 395 days, the capitalization of interest every month will make it possible to make a profit of 85,081.51 rubles. for investments in the amount of 700,000 rubles, which is effective rate 12.15% for the entire period, while the contract specifies a percentage equal to 10.5% per annum. Under such conditions, this is the highest yield among other deposits of the Russian Capital Bank.
Among other amenities, we note a few. For example, it is quite rare for a bank to agree to change the procedure for paying interest. Firstly, during the entire term of the contract (except for the last day and the day of interest accrual), you can change the capitalization to receive monthly income and withdraw interest from the account. Secondly, the account can be replenished at any time, thereby further increasing the profitability. Minimum amount additional contribution equal to 1,000 rubles. Thirdly, early termination of the deposit, starting from the 132nd day, promises the depositor a fairly high interest rate at the level of the rate in the so-called state-owned banks from the TOP-10. For the amount of 700 thousand rubles. 7% per annum is charged. If the savings were on the account for less than this period, then the interest is calculated at the rate of the deposit "on demand". Of the shortcomings, he will name only one - the inability to partially withdraw amounts from the deposit.
The key and almost sole shareholder of the bank is. Therefore, Russian Capital is one of the few financial institutions with state capital. In terms of assets, the institution occupied a very high 58th place in mid-autumn. In addition, it is regularly assigned a high credit rating of "AA" by several independent rating agencies. There are more than a dozen customer service points in Moscow. A wide branch network covers almost six dozen Russian cities.
Relevance of information: November, 2012
Russian Capital Bank is one of the forty largest institutions with a list of services for all categories of individuals.
The bank was founded in 1993, and in 2009 the federal corporation Deposit Insurance Agency became the main and sole shareholder of the structure, so the institution ensures the guaranteed safety of customer deposits in any economic situation in the country.
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For 2020, the branch network includes 135 branches represented in 28 regions of Russia. For the convenience of customers, there is a system of Internet banking and remote service.
Russian Capital is a bank from the top reliability rating according to Forbes magazine. The high status of the institution is confirmed by its inclusion by the government in the list of structures suitable for placement pension funds and compliance with the criteria of the law "On the State Defense Order".
In addition to the lending program for the population, JSCB Russian Capital offers a line of profitable deposits with different conditions.
Main conditions
In the current conditions, the economy is not happy with stability. Many citizens are concerned about the problem of inflation and floating rates, so the natural desire to save available funds finds a response in the proposed deposits of Russian Capital Bank.
The list of deposits allows you to choose the best option in accordance with the necessary conditions:
- placement of funds in one of the three quoted currencies - ruble, euro, dollar;
- deposits with the possibility of operations - withdrawals, replenishments;
- high yield - the interest on deposits is higher than the average for the country's banks.
For term deposits, the date of return of funds is considered to be the last day on which the agreement is valid. If the date falls on a weekend or holiday, the due date is moved to the next business day.
If the client does not make a withdrawal, the deposit is automatically extended on the terms of the contract
Opening
Deposits in Russian Capital Bank in 2020 can be made by choosing one of the proposed methods: visiting the nearest branch of the institution or filling out an application online. It is preferable to come to the branch, since a remote application still requires personal confirmation.
Preliminary consultation, clarification of details and clarifications on issues of interest can be obtained in the following ways:
- when visiting a bank with consultants;
- telephone consultation service 8 800 775 86 86 ;
- addressing questions of interest by e-mail;
- see the official site for deposits in the Russian Capital Bank.
Deposit online calculator deposits will help you find out the exact amount of income from interest on the selected deposit for today. You can find it on the official website of the bank. To calculate, enter the amount of the deposit in the form fields, select the type of currency and the term of the deposit.
Service insurance
The state company Deposit Insurance Agency, which is a 100% shareholder of the institution, acts as a guarantor of the safety of clients' money on Russian Capital bank deposits.
In 2020, the rules for payments on deposits apply, upon the occurrence of insured event according to the following scheme: an insolvent bank or other authorities revoke the license with the publication of this information in available sources, including on the website central bank and own. If the recovery process has not begun, customer deposits are considered an insured event and are subject to payment.
The maximum amount that can be insured - 1.4 million rubles. You can apply for payment after 14 days after the recognition of the insured event. The institution is given a period of no more than three days to satisfy claims for compensation.
Depositors who have made deposits before 2020 are subject to other insurance rules - the maximum amount of insurance payments for them is 700,000 rubles.
Open deposits from Russian Capital Bank
The institution provides ample opportunities for deposits for individuals. These are ruble and currency deposits, interest rates of various yields, choice of the period for holding funds for term deposits and the possibility of performing operations with the account during the validity of the contract.
Special conditions are provided to pensioners for whom the program " Retirement capital”, which allows you to effectively accumulate funds on your account, with small amounts of replenishment, making a profit from interest.
Orange mood
The deposit can be opened only in rubles, with a minimum amount of the first installment in 100 000 rub. Interest on the deposit is paid at the end of the term by transferring the resulting amount to the account indicated by the client, to the bank card or to the current deposit account.
Early withdrawal of funds automatically changes the terms of the deposit to "On Demand", while the interest rate for the entire period is reduced up to 0.01%.
The table shows that the rate is directly dependent on the amount of the deposit and the term.
Capital Plus
This deposit is the best solution for clients who want to start saving, but do not have an impressive amount for the first installment. By adding funds to the deposit during its validity, you can increase the income from interest - the rate changes upwards after reaching the agreed amount.
You can top up your account from 1000 rudders or 100 USD/EUR during the entire period, except for the last month with a minimum period of validity.
Easy choice
Deposit with minimal restrictions for depositors. Available to most due to the low down payment, but has no limits on the maximum amount. Multi-currency - it is possible to deposit funds in rubles, euros and dollars.
The interest rate is determined depending on the currency and term of the deposit:
Interest is paid at the choice of the client: to the specified account, to the card or to the deposit account with capitalization.
Withdrawal of money is allowed until the minimum balance is reached, which the client himself determines during registration.
Retirement capital
Pensioners can use the deposit upon presentation of a certificate. Russian Capital Bank provides special conditions people who have done their work.
Enough to open a deposit 10 000 rubles. The contract does not contain restrictions on withdrawals up to a minimum balance, and if you wish to terminate, the interest rate remains high.
| Deposit term, days | Annual interest rate, % | Interest rate for early termination, % |
| 91 | 7,6 | 5,1 |
| 181 | 7,7 | 5,1 |
| 395 | 7,8 | 5,2 |
| 540 | 7,85 | 5,2 |
| 750 | 7,6 | 5,1 |
| 1100 | 7,5 | 5,0 |
Nuances of replenishment
You can replenish any deposit, but there are differences in the rules for crediting funds.
You can deposit money into the deposit account during its validity period, except:
- recent 30 days if the deposit is made for a period of up to a year;
- recent 45 days, with a period of 540 days;
- recent 60 days, for term deposits 750 days;
- recent 90 days if the term 1100 days.
Deposit "Sunny" has no restrictions for the entire period of validity.
Restriction on the amount of initial and subsequent replenishment for deposits:
Russian Capital Bank allows customers to withdraw money from deposits, however, this is accompanied by a decrease in the interest rate, and therefore a loss of income from the deposit
Early withdrawal
For each offer, there are a number of conditions for terminating the contract ahead of schedule:
Pros and cons
The advantages of Russian Capital Bank deposits are a wide range of conditions and a dynamic interest rate on deposits, which, if the conditions are met, will ensure a stable high profitability from holding funds.
System state insurance is a guarantor of the reliability of deposits, clients are protected by the program, regardless of citizenship.
Some deposits allow automatic extension of the term on the terms chosen initially. Ruble and foreign currency investments allow you to save and increase money, depending on your preferences.
