You can open a savings account via
For this:
- If you do not have a valid distance contract banking services individuals, then first go to the bank's office and conclude an agreement for comprehensive banking services for individuals at PJSC "Promsvyazbank".
- You are already connected to PSB-Retail system? Then you will automatically receive the opportunity to open savings accounts through the Internet bank.
- Go to Personal Area in the PSB-Retail Internet Bank, select the "Cards and Accounts" section.
- Select a suitable savings account and click the "Open an account" button on the screen.
- Optionally, you can list cash to an open account from your bank card account, current account or demand deposit opened with Promsvyazbank.
- Confirm the operation, and that's it - the account is open.
- You can get a document confirming the opening of a savings account at any office of Promsvyazbank.
You can open a savings account at any bank office
For this:
- Visit a bank office with a passport or other identity document.
- Sign an application for joining the rules of complex banking services for individuals in PJSC "Promsvyazbank" and others Required documents which the teller will print for you. Important! Check the correctness of your details in the documents.
- If you wish, deposit the amount into the account in cash through the cashier or make a transfer from your bank card account, current account or demand deposit opened in Promsvyazbank.
- Get a confirmation from the operator about opening a savings account.
With the rules of opening and service bank accounts you can read.
You can familiarize yourself with the list of documents required to open an account.
You can open an account without visiting the bank office by power of attorney
For this:
If you are already a client of the bank and you have entered into a comprehensive banking service agreement (ATP):
Step 1. Issue a power of attorney for your representative at the bank or with a notary, indicating in it the authority to conclude a bank account agreement.
Step 2. Pass the completed power of attorney to your representative - when he contacts the office with a set of documents required to open an account and the power of attorney issued by you, a savings account will be opened for you.
If you have not yet become a client of the bank and you have not yet entered into an ATP:
Step 1. Issue a power of attorney for your representative in the form of a bank with a notary, choosing the necessary powers.
Score 91 accounting- this is an active-passive account "Other income and expenses", serves to obtain information about the expenses and income of the company for activities that are not the main one. Through typical postings and practical examples, consider the specifics of using account 91 and the features of accounting for other income and expenses.
A complete list of other income and expenses can be studied in the order of the Ministry of Finance of the Russian Federation of October 31, 2000 No. 94n.
The "Other income and expenses" account is active-passive. The credit of the account records the receipt, and the debit records the expense:
The main sub-accounts for 91 accounts are shown in the figure:
Target analytical accounting on 91 accounts - to provide the ability to determine the financial result based on each type of income and expense. Consequently, when classifying income and expenses, it is necessary to take into account a homogeneous type of costs, in order to ensure the possibility of determining the financial result for each operation of the same type.
For example, the amounts under the item "Fines, penalties on contractual obligations" can be attributed to both expenses and income, therefore, it is possible to analyze financial results for this article. Or, having analyzed the item of expenses for payment of services of credit institutions, the company will be able to see the effectiveness of work with the bank, whether the bank's “products” are beneficial to the company.
Closing 91 accounts
All sub-accounts on the account "Other income and expenses" for the year-end: balance for December, internal records - must be closed by posting to sub-account 91.09.
The financial result is referred to the debit (loss) or credit (profit) of account 99 "Profit and loss".
Here is a schematic example of closing 91 accounts:
Postings to account 91 "Other income and expenses"
Correspondence and basic postings for 91 accounts are shown in the table:
| Dt | CT | Description of wiring | A document base |
| 91 | 01 | Write-off of retired fixed assets at their residual / original cost. | OS-1, SP-51 |
| 91 | 02 | Accrual of depreciation on fixed assets that are leased (not the subject of activity). | Accounting information, Depreciation sheet |
| 91 | 03/04 | Write-off of retired profitable investments in material values(hereinafter - MC) / intangible assets. | Accounting information, Act of Handover |
| 91 | 07 | Write-off of equipment for installation (sold / transferred free of charge) at cost. | |
| 91 | 08 | Writing off the cost of investments in VNA. | Acceptance and transfer act, Certificate of gratuitous transfer of valuables |
| 91 | 10 | Write-off of materials sold / transferred free of charge (upon disposal of fixed assets) at the actual cost. | Acceptance certificate, invoice |
| 91 | 11 | Write-off of the value of the animals sold (not the subject of activity). | TTN (SP-32) |
| 91 | 14/59/63 | Creation of a reserve for the reduction of the value of the MC / securing investment in securities / for doubtful debts. Writing off amounts to reserves - by reverse posting. |
Accounting reference, calculation of the accounting department to create a reserve |
| 91 | 15 | Reflection of material write-off (actual cost). | Acceptance certificate, invoice |
| 91 | 16 | Writing off the share of deviations from the book value of the sold materials (if negative value - red line). | Accounting reference, calculation of accounting for writing off deviations |
| 91 | 19 | Write-off of VAT amount on sold materials (non-refundable). | Accounting information |
| 91 | 20/21/23
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Write-off of expenses for maintenance of production facilities / facilities for conservation. | Accounting reference, accounting calculations |
| 91 | 23 | Write-off of the cost of auxiliary production services (upon disposal of fixed assets). | |
| 91 | 28 | Write-off of the cost of incorrigible marriage (work of an operational nature). | |
| 91 | 43 | Write-off of commercial expenses (for the sale of OS, materials). | |
| 91/ | 60 | Reflection of the amounts accrued by the contractor for the work / services performed during the liquidation / sale of fixed assets, other assets / in the amount of VAT. | Invoice |
| 91 | 60/62/76 | The amount of receivables / debt is written off after the expiration date limitation period/ not to collect in any way. | INV-17, Accounting certificate, Minutes / order of the head |
| 91 | 66/67 | Reflection of the amount of% payable for the use of credits / loans. | Accounting statement, Bank statement on a / account |
| 91 | 68 | Calculation of VAT (income from the sale of fixed assets / materials). | Accounting reference, calculation of VAT accounting |
| 91 | 70/69/10 | Reflection of expenses for liquidation of fixed assets. | Piecework order, Valuables write-off certificate |
| 91 | 75 | Reflection of expenses (simple partnership agreement). | Accounting reference-calculation |
| 91 | 51/76 | Reflection of violations of the terms of business contracts (paid / recognized for payment). | Bank statement on a / account, Invoice, Accounting certificate |
| 91.02 | 52/60/62 | Reflection of the exchange rate difference (negative). Positive - reverse wiring. |
Values reassessment act, Accounting information |
| 91 | 73 | Write-off of the cost of material damage (it is unrealistic to collect, for example, a court refusal). | INV-17, The order of the head, Accounting information |
| 91 | 76 | Payment for services of credit institutions / costs of considering cases in courts. Profit receivable under a simple partnership agreement /% on loans, income on shares, shares and securities / fines, forfeits and penalties for violation of the terms of agreements - return posting. |
Accounting statement, Notice / Bank statement, Invoice, KO-1 |
| 91 | 79 | Reflection of expenses on transactions with structural units(on a separate balance sheet). Reflection of income - reverse posting. | Invoice, Aviso |
| 91 | 81 | The difference between the actual costs (redemption of shares / shares) and par value (own shares / share of the participant). In case of redemption, the reflection of the difference is by reverse wiring. |
Accounting reference, calculation of the difference between the actual costs of the buyback of shares and their par value |
| 91 | 94 | Writing off the cost of the shortage of values in excess of the norm / from damage (in the absence of specific culprits). | INV-3, Order of the head, accounting certificate |
| 91 | 98 | Writing off the amounts of other income (future periods). Enrollment - reverse posting. | Accounting information |
| 99.02/ | 91 | Writing off the balance of income / expenses at the end of the month. | Calculation of the balance of other income and expenses, accounting reference |
| 96 | 91 | Crediting to income the amount of unused reserve for forthcoming expenses / payments. | Accounting information |
| 60/76 | 91 | Crediting of accounts payable / receivable (unclaimed after the expiration of the limitation period). | INV-17 |
| 10/62 | 91 | The amount of operations with tare is reflected. | Packing list, Invoice |
| 07/10/11 | 91 | The surplus / unaccounted for MC amounts identified during the inventory are reflected. | INV-3, INV-19, INV-24 |
Examples of transactions and postings on account 91
Example 1. Accounting for other rental income on account 91.01
For example, Leto LLC, with its main activity in the field of confectionery production, receives income from renting out premises in one of the industrial buildings... The lessee "Vasilek" pays 50,000 rubles monthly, according to the concluded agreement. Payment for rent was received on the account in the amount of 50,000 rubles.
The amount of monthly expenses incurred by Leto LLC for the maintenance of the premises consists of:
- depreciation charges - 2,000 rubles;
- remuneration for service personnel - 8,000 rubles;
- payroll taxes - 1,500 rubles;
- utilities and other services - 3,000 rubles.
Following the results of November 2016, the following entries were made in the accounting department of Leto LLC:
| Dt | CT | Description of wiring | Amount, rub. | A document base |
| 76 | 91.01 | The amount of rent for November 2016 was charged | 50 000 | Certificate of completion |
| 91.02 | 02/70/69/23 | The costs of maintaining the leased premises were written off (2,000 + 8,000 + 1,500 + 3,000) | 14 500 | Receipts, invoices, acts, etc. |
| 51 | 76 | Payment for rental services has been credited to the account received from the lessee "Vasilek" | 50 000 | Bank statement |
Example 2. Accounting for other income from the sale of materials on account 91.01
Suppose, LLC "Leto" sold other materials that are not used in the production of confectionery. Wherein:
- cost of implementation - 40,000 rubles;
- cost of materials - 15,000 rubles;
- wages and taxes on wages for production workers - 4,000 rubles.
Accounting for other income from sold materials was reflected in the accounting of Leto LLC by the following entries on account 91:
| Dt | CT | Description of wiring | Amount, rub. | A document base |
| 76 | 91.01 | Accrued income from the sale of materials | 40 000 | Sales Invoice |
| 91.02 | 10 | Written off the cost of materials | 15 000 | Costing |
| 91.02 | 23 | Expenses related to implementation (salary and taxes) have been written off | 4 000 | Payroll |
| 51 | 76 | Funds received for the materials sold | 40 000 | Bank statement |
Example 3. Accounting for banking services on account 91.02
Let's say Leto LLC has entered into an agreement with the bank for the provision of services. At the end of the month (reporting period), the bank rendered the following services:
- installation of the Bank-Client system for a period of 3 years (one-time service) - 7,000 rubles;
- for servicing "Bank-Client" (monthly service) - 400 rubles;
- on settlement and cash services(RKO) - 2,000 rubles;
- for cash collection - 6,000 rubles.
In the accounting of LLC "Leto", entries were made to reflect banking services.
Everyone who opens a deposit wants to get the maximum income, and this is quite natural. Another thing is that the benefit does not always lie in the highest interest rate, because the benefit also manifests itself in convenience, comfortable use, safety banking products... At the moment, Alfa-Bank offers several solutions for the preservation and accumulation of funds - accounts and deposits.
Alfa-Bank deposits
Trusting their personal funds bank, we are always worried, worried about their safety. Alfa-Bank is a member of the compulsory insurance system bank deposits, which guarantees compensation up to 1,400,000 rubles upon liquidation financial institution and the occurrence of other insured events. In this case, no additional written agreement or contract is required from the depositor, because deposit insurance is carried out and controlled by virtue of the law.
Choosing the most profitable investment
Before opening a deposit, the client needs to decide on such parameters as the term, amount, the possibility of replenishment and partial withdrawal.
Alfa-Bank's deposits are divided into replenishing (Premier, Potential, Multicurrency) and non-replenishing (Victory, Prize, Life Line, A +). The latter have a higher rate, but they lack the replenishment opportunity that is so important for many. At early termination any deposit, the accrual of interest is calculated at a rate of only 0.005% per annum, so you should think carefully before making a deposit for a much longer period.
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In any case, you need to look at the circumstances: if you plan to contribute relatively small amounts, moreover, quite often, it is more convenient to open a replenishment deposit. If after a certain period of time you need to deposit funds over 10,000 rubles at interest, then you can simply arrange another non-replenishing deposit at a favorable interest rate.
Would you like to receive from the invested amount monthly interest to your account? You will probably be interested in the "Premium" product (from 5.85 to 9% per annum). However, keep in mind that with regular withdrawals of the accumulated funds, at the end of the term, only the initial deposit amount will remain, because you have already used all the income.
Those who plan to accumulate income by a certain date (for example, for a wedding, vacation, etc.) should pay attention to the "Potential", which allows you to determine individual term deposit with an accuracy of 1 day.
The contribution “ Multicurrency», Which, unlike all other products of this kind, opens simultaneously in rubles, dollars and euros. Such a solution helps out during periods of financial instability, during the so-called "crises", when exchange rates "jump" literally every day. In addition, a multicurrency deposit is an excellent alternative to playing on stock exchanges, because within the framework of the deposit, you can transfer funds from one currency to another at the bank's rate without additional commissions. Keeping a close eye on the latest developments financial world, you can not only get your "legitimate" income on the deposit, but also win at exchange rates.
Savings accounts of "Alfa-Bank" and their advantages
Savings accounts - "Blitz-Income", "Valuable Time" and "My Safe" are issued without opening a deposit in rubles, dollars or euros. Interest rates on them are slightly lower than rates on deposits. So, for "Blitz-income" with the balance below 100,000 rubles, 0.01% per annum is charged, above 100,000 - from 4.2 to 6%. On the account "My Safe" rates vary from 0.9 to 2.4 per annum. Also in "Alfa-Bank" there is a rather interesting product "My goals", similar in rates and conditions to "My Safe". It is opened by the user independently through the Alfa-Click Internet Bank, where it is necessary to set such parameters as the expiration date, the desired total amount of savings, etc.
Such a tool will help to set aside certain funds for the desired dates. In this case, the system will notify the client about the missing amount and the recommended amount of monthly deposits.
For similar products, interest is charged monthly on the minimum balance. For example, if you deposited 150,000 rubles into your account, spent 50,000 rubles during the month, then the interest is charged in the amount of 100,000 rubles. At the same time, you can at any time fully or partially withdraw funds from the account, make various transfers and payments, without waiting for the end of a certain period.
Product « Valuable time»Has a more complex system of interest accrual, which depend not only on the amount of the minimum account balance, but also on the term of the funds. As a result, the bank's client can benefit from 0.01% to 7.5% per annum.
Savings accounts very convenient if you cannot yet determine exactly when you will need your funds, as well as if you need to place funds for a month or two. In fact, your money remains in the immediate availability, but at the same time income is accrued on it. The disadvantages include the impossibility of drawing up savings accounts for non-customers of the bank (except for the product "My Safe"). In addition, these accounts are not deposits, which means they are not insured upon liquidation. financial company, her bankruptcy.
Finally, banks have offered a worthy alternative to deposits: meet the savings account! But as usual, there were some nuances ...
Deposits are getting smaller every day profitable way saving savings. There are almost no deposits left on the market that would allow you to freely use your funds, or they have an interest rate that looks more like a mockery. What to do in such situations for people who want to accumulate a certain amount over time? Banks have found a solution - to open an online piggy bank.
How to open a "piggy bank" in a bank
"Piggy bank" many credit institutions called a savings account - this is a kind of hybrid of a current account and a deposit, which allows the owner to receive monthly income as a percentage, sometimes even with capitalization. Such a service is offered today in many banks: Sberbank, VTB 24, Alfa-Bank, Promsvyazbank, Otkrytie Bank and Rocketbank, Tinkoff Bank and some other large credit institutions. In many, you can even open an accumulative foreign currency account.
“This product is an alternative term deposit... The savings account allows the client to use his own funds at any time, as well as to receive a high interest rate on the balance, ”says Yulia Demenyuk, senior vice president, deputy director of the retail business department at VTB24.
Her colleague, Natalya Sumakova, head of the Savings and Commission Products Department of VTB Bank, explains that the savings account is beneficial, first of all, to clients who are interested in the most flexible and efficient placement of available funds.
“These are mainly active users of card products who prefer remote channels (Internet / mobile bank). They transfer funds for a short period (1–2 months) from the card to the account, spending them as needed. This product allows you to easily and comfortably save up for a specific purpose, gives you the opportunity to freely access funds, ”Sumakova says.
How does a "piggy bank" differ from a deposit?
It is obvious that savings accounts are more flexible than deposits, and have simpler conditions than profitable bank cards.
“The main difference between a savings account and a deposit is that the savings account provides the depositor with maximum freedom of action in managing the funds placed, allowing him to receive a constant income on attractive terms. The account mode allows you to carry out both replenishment and spending of funds without any restrictions. The account does not have a minimum balance. Like a regular current account, on the basis of which a savings account is opened, it has no expiration date. The client can use the account until he independently expresses a desire to close it (except in cases where established by law) ", - answered Natalya Voloshina, director for deposit and settlement products of Promsvyazbank, to the question of the online magazine site.
Zhanna Kaplun, press secretary of Alfa-Bank JSC, outlined 3 main differences between savings accounts and deposits:
The deposit is limited by the period of placement, while the savings account is opened for an unlimited period.
For deposits, there may be restrictions on replenishment and withdrawal (by the term / amount of replenishment, the amount of partial demand, etc.), while there are no such restrictions on savings accounts - you can withdraw and replenish at any time and for any amount.
If the client urgently needs funds, he will have to close the deposit ahead of schedule, and all interest will be lost. On accumulative accounts, you can withdraw the entire amount, while all previously accrued and paid interest is retained.
The expert noted that interest rates on deposits are generally higher than rates on savings accounts.
What how much
The pricing policy of banks on savings accounts is really strikingly different from the policy on deposits - here everyone sets the rates in their own way.
So, Sberbank offers the following rates on a savings account: when placing up to 30 thousand rubles. - 1.5%, up to 100 thousand rubles. - 1.6%, up to 300 thousand rubles - 1.7%, up to 700 thousand rubles. - 1.8%, up to 2 million rubles. - 2%, up to 1 billion rubles. - 2.3%. At the same time, the highest rate on a deposit in the bank today is 7% per annum.
By the way, I was unable to create a goal in the application on iOS, although the bank is open salary card... For the sake of fairness, I would like to note that everything was functioning properly for my colleagues.
“In order to open a deposit, account or purpose, you need to contact the bank and conclude a universal banking service agreement (UDBO),” the bank sent me to the branch.
In VTB 24, on a savings account, the following rates, depending on the placement period and the amount, from 0.01% to 7.5% per annum (the most high percent can be obtained when placing on an account from 350 thousand rubles. up to 500 million rubles). Maximum rate on a bank deposit is 7.55% per annum - it cannot be said that it is much higher than the rate on a savings account.
Otkritie Bank offers clients to place funds at the following interest rates, depending on the amount: from 0.1% to 7.15% per annum. The maximum rate on a deposit in the bank is 8.5% per annum. By the way, the project, which is under the wing of the Otkrytie bank - Rocketbank, also has a savings account in its arsenal. On it, you can receive up to 8% per annum on a monthly basis, the amount does not matter. If you want to open a deposit in the application, the rate will be up to 9.5% per annum (but all deposits are non-refillable).
Tinkoff Bank offers a fixed income of 6% per annum. The yield on the deposit is 8.5% per annum.
Alfa-Bank has a whole line of "piggy banks" with different conditions... Thus, under the terms of the “Valuable Time” account, the rate will grow every 3 months from 5.25% to 7.5% per annum. And within the framework of the "Accumulation" account, you can receive a fixed rate of 7% per annum on the minimum balance. However, there is also a catch here - replenishment only with the help of the services "Piggy bank for change" (replenishment occurs after the payment of purchases) and "Piggy bank for salaries" (on the day of receipt of the salary, part of the money is transferred to the savings account). The rate on a deposit without the possibility of withdrawing and replenishing is 7.8% per annum, which is also not much higher than the rate on a savings account.
As you can see, with these accounts, not everything is so simple - already according to the conditions described above, it becomes clear that each bank sets its own rules.
What's the catch
Representative banking market, Vadim Poghosyan, Director of the Department of Passive, Insurance and investment products Otkritie Bank noted that since savings accounts are current accounts, not deposits, the bank can change the rate on an already opened savings account on any day(as opposed to contribution).
“And if by opening a deposit, a client can calculate the profitability that he will receive after a certain period of time, then it will not work with savings accounts,” the banker commented.
Natalia Voloshina also stressed that the profitability of savings accounts is influenced by both the amount of funds deposited and the category of the client, which depends on the Bank's products used by the client.
“So, for example, the highest return on the savings account” Simple rules"Is provided to owners of banking services" Your PSB Premium“And Orange Premium Club,” she said.
You should also pay attention to the scheme for calculating interest on the account. It may differ not only from bank to bank, but even within one bank, Vadim Poghosyan believes.
“As a rule, income on savings accounts is accrued either on the minimum balance for the month, or on the average balance for the month. At the first approach, the bank looks at what was the minimum amount on the account for reporting period, and only on it accrues increased interest. In this regard, if a client, for example, withdrew some amount from the account and returned it back the next day, then by the end of the month there will be no interest accrual on it, ”the expert clarified.
In addition, bankers note in some cases lower rates on savings accounts in comparison with deposits. Vadim Poghosyan explains this fact by the technical side of the issue:
“The reason is that funds in savings accounts are more mobile compared to deposits and, on average, are“ shorter ”than funds in deposits."
Are we running to open the "piggy banks"?
Since the rates on savings accounts in some cases look much more attractive than deposits (given that you can freely use your funds), I asked the bankers a reasonable question: should Russians urgently close their deposits and open savings accounts together? Experts were divided.
“Definitely not worth it. It makes sense to place part of the funds in savings accounts, say 10-15% of the total portfolio. For the most part, Russians prefer to place funds on annual deposits under maximum percentage... Such deposits, as a rule, do not allow their holders to withdraw part of the amount during the term of the deposit without losing the accumulated interest. As a result, if any unforeseen events occur in people, they are forced to terminate deposits and lose the accumulated interest on the entire amount. In this regard, placing a certain part of savings in savings accounts can become a kind of insurance against loss of income on deposits, ”said Vadim Poghosyan.
Promsvyazbank urged clients to proceed from their goals when making a decision.
“If the goal is to obtain the maximum income from the placement, and at the same time the client does not have plans for partial use of the placed funds, then within one bank the maximum income can be provided by a classic deposit without options. At the same time, we recommend diversifying savings: fix part of the funds in the deposit for high rate(60–70% of savings), and place the remaining funds in a savings account and use it as a “wallet” with the possibility of withdrawing and replenishing without restrictions on amounts and terms, ”noted Natalya Voloshina.
Summing up, let's say that bank "piggy banks" are quite a worthy answer to clumsy deposits. However, I agree with the experts - if you want to manage your finances competently, then it is worth placing some of the funds in a deposit (for example, sending money there from the family reserve fund), and gradually putting some of it into a savings account. Oh, I almost forgot to say - just in case, be sure to open a deposit and an account in different banks!
To be honest, originally this week I planned to tell you about loans and credit cards, as well as about the differences between them, and conduct a small educational program, but first decided to clarify with our readers on Twitter what it would be more interesting for them to learn about: about savings cards from large banks or about loans. Surprisingly, everyone voted unanimously for the first topic. We always listen to your wishes, so at the last moment I changed the subject for tonight's weekend.
By the way, Artem Lutfullin gave me the idea to write about savings cards from large banks. He noted that many are afraid to entrust their money to small banks or banks that they have not heard of before, for them the popularity of the bank is more important than the interest rate figures.
The article includes banks that are in the TOP-20 in terms of financial indicators, I was guided by the information from here. However, if after the publication one of the participants goes down a little, it is unlikely that this will greatly change his recognition and confidence in him on the part of consumers.
BinBank. Profitable card MasterCard / VISA Standard
- Annual maintenance: 500 rubles
- SMS-informing: free of charge for the first two months, then 50 rubles per month
- Interest rate: 7.5% per annum for amounts up to 500,000 rubles, 2% for amounts above 500,000 rubles, in both cases, subject to availability financial transactions payment for goods and services in the amount of at least 500 rubles
Not a bad income card from BinBank, but I am confused by the need to make purchases in the amount of 500 rubles or more per month. It turns out that you cannot just put the card on the shelf and keep money on it, you constantly have to perform any operations, I personally do not like it. Although the interest rate for large bank very good.
By the way, they still have instant map Platinum with the same accumulative conditions and an additional 1% cashback, however, there are commissions for withdrawing cash even in own ATMs so I didn't include it here.
Description of the card on the bank's website: http://www.binbank.ru/private-clients/bank-card/platinum/
VTB 24. Savings account
- Annual maintenance: depends on the type of service package (free in the basic one)
- SMS-informing: free of charge for the first month, then 59 rubles per month
- Interest rate: up to 6.5% per annum, depending on the amount of the balance
- Cash withdrawal: up to 100,000 rubles per day, up to 500,000 rubles per month
VTB24 does not have a separate income card, but it is possible to open a special savings account as part of service packages. The cheapest package - "Basic" is free for the client, as part of the "Basic" you get an unnamed VISA card/ MasterCard Instant Issue. If you wish, you can also apply for a VISA Classic / MC Standard card, but in this case the annual service will be 900 rubles.
And although I wrote in the characteristics of the account the yield of up to 6.5% per annum, in fact it is much lower, judge for yourself from the screenshot below.
Description of the savings account on the bank's website: http://www.vtb24.ru/personal/savings/check/Pages/default.aspx
FC Otkritie. Income account
In fact, this is an ordinary deposit "on demand"; a separate bank card is not even issued for it. The minimum amount for opening is 10,000 rubles. Different rates are charged depending on the amount on the balance.
It is important to remember that the minimum amount at the rate must be for the entire month, otherwise you will not receive the required interest.
There is one more limitation: money received by bank transfer can be withdrawn without commission only 10 days later.
Savings account rates: http://www.otkritiefc.ru/get_file/23681/
Bank of Moscow. Savings account
The Bank of Moscow has a separate deposit called "Savings Account". According to it, interest on the balance is charged in two modes at once: on the daily balance and on the monthly minimum balance. The system, frankly, is not the most honest, because if you kept 50,000 rubles on your account for half a month and 100,000 rubles for half a month, then you will receive interest only for a smaller part, and for a larger part, you will be charged 0.1% per annum, which, of course, is crumbs.
Moscow credit bank
The ICD has two interesting options at once. The first one is “Just in case” deposit, the second one is additional profitability on cards. The deposit is the same savings account with the possibility of replenishment and withdrawal at any time. The deposit rate is 4.5%, but no additional conditions he doesn't, and that's good.
Profitability on cards is offered as part of connecting one of the paid service packages, the tariffs for them are lower:
You cannot connect additional profitability to the free package. In addition, to get your 8% per annum, you need to spend at least 10,000 rubles on the card every month, which makes this offer no longer so attractive.
Additional income for bank card: http://mkb.ru/facility/private_person/cards/services/card_profit.php
Russian standard. Bank in your pocket
I noticed for a long time that among the commentators there are a large number of clients of this bank and they all use the Bank in Pocket and often recommend this package of services. Packages for BVK are different, you can get acquainted with all the tariffs for them in detail at this link. Regardless of your choice, you can use a separate savings account, which is charged 8% per annum for the balance over 30,000 rubles. The same 8% is credited to the balance on the card if it exceeds 30,000 rubles. Depending on the selected package, the maximum amount on which interest is charged on the card changes, for example, in the Standard package there is a limit of up to 100,000 rubles, and the Exclusive package offers you an income of up to 600,000 rubles. By the way, if you keep money on savings account, then there are no such restrictions.
In general, if you just want to keep money and receive interest on the balance, then I recommend to issue the "Standard Package", take a free unnamed card and keep the money in a savings account.
Description of the service package "Bank in your pocket" on the website: http://www.rsb.ru/bvk/
Alfa Bank. Savings accounts
Alfa-Bank has two options for savings accounts at once, we will consider each of them in order.
Savings account "Valuable time". This account is suitable for clients who plan to keep an account of 300,000 rubles or more. If you do not withdraw money from your account, then over time, the interest rate begins to rise. Below is a table with tariffs.
Accumulation account "Blitz-income". Another savings account for those who plan to keep in the account large sums... The profitability of the account starts from 250,000 rubles.
Description of the "Valuable Time" account: https://alfabank.ru/make-money/savings-account/timemoney/
Description of the "Blitz-Income" account on the website https://alfabank.ru/make-money/savings-account/blitz
Promsvyazbank. Savings account "Simple rules"
And although Promsvyazbank not so long ago flew out of the Top 10, it is still a backbone bank and is known to many of you. In addition, they had savings accounts some time ago, so I decided to add PSB to today's collection.
Now let's take a look at their savings account rates.
Don't even look at the incremental markups, since the cost of the "Your PSB Plus" package is 300 rubles a month, and ORange Premium Club will cost you 2,800 rubles.
Description of the savings option on the website: http://www.psbank.ru/Personal/Everyday/Saving/SimpleRules?from=CategoryPage_widget
Sberbank. Savings account
For obvious reasons, Sberbank is considered the most reliable bank by the majority of our population, and there are a number of objective reasons for this. I think that the logic here is quite simple: "If Sberbank collapses, then nothing will help." And it is clear that the bank is actively using this reputation. Look at interest rates on savings account, these are pure tears that will not even cover the inflation rate!
How is your money insured?
In the last article about savings cards, I was asked how your money on the card is insured by the DIA and how the DIA finds out how much money was in the account before the license was revoked. I was not lazy and clarified this point with the agency itself, below is a quote from our correspondence:
Hello! Please tell me how my bank card funds are insured in case of bank failure? How does the DIA know the amount of the card account balance? What if the bank provides incorrect information or does not provide it at all? How is the accuracy of the information provided by the bank guaranteed? Indeed, unlike a deposit, I do not have a piece of paper with the amount of the balance on the card with the seal of the bank, so if something happens, I will simply have nothing to prove my case.
Good afternoon!
The insurance covers the funds of individuals, regardless of citizenship, that are in bank accounts, including current accounts used for settlements with bank (plastic) cards, for receiving salaries, pensions or scholarships.
The register of the bank's obligations to depositors, in accordance with which the payment is made insurance compensation, is formed within 7 days after the license was revoked from the bank, based on the bank's accounting data as of the date of revocation of the license. Consequently, the agent bank (which will make payments) has all the necessary information on your deposit and the accrued interest for the payment of insurance compensation.
Sincerely,
State Company "Deposit Insurance Agency"
As you can see, if the bank cheats with the accounting department, then there will be nothing special to show you, so I join the DIA's recommendation on a periodic request for full details of the movement of funds on the account, after all, this will be some kind of guarantee. However, if we talk about the banks from today's article, then hardly any of them will have their license revoked in the near future.
Conclusion
The average level of interest on the balance on ordinary income cards varies in the range of 8-12%. As you can see, large banks have shifted this range down by four points, and most of them offer savings accounts with a yield of 4-8%, and almost all of them have additional conditions.
