Promsvyazbank deposit programs, for individuals for 2017 - 10. Maximum interest: ₽ - up to 9.00% per annum, $ - 1.50%, € - 0.20% per annum. Pros and cons ("pitfalls"), and a complete overview of deposit programs.
The arsenal of "products" of the deposit at Promsvyazbank is quite large: with replenishment, partial withdrawal, preferential for pensioners, with the preservation of the interest rate in case of early withdrawal, with the choice of interest payment, multi-currency, reliable savings account, under special offers (shares with a high rate ), with capitalization, etc.
For those who are especially cautious, I will inform you that all deposits in Promsvyazbank are insured by the State.
This product allows you to replenish your account during the first 50 days from the moment the deposit was opened (the amount of replenishment is not limited by anything).
The deposit can be opened: through a bank branch, or through the "Internet Bank". Account currency - only rubles.
The minimum opening amount is 10 thousand rubles.
Deposit term - 250 days.
In calculating the interest rate on the deposit, there is one nuance.
The fact is that the entire period of the deposit is divided into three periods, and for each such period of time, its own interest rate is planned.
In other words, the rate of 9.5% will be charged for the first 100 days of the deposit. The next 150 days, interest is charged at a rate of 7.5% per annum.
Interest is paid at the end of the deposit term.
In the Solid Interest program, we observe the highest interest on Promsvyazbank deposits - 9.00% per annum.
To get it, you need to invest an amount of 1.5 million rubles, for a period of 90 - 181 days.
Deposit term to choose from: 90, 181, 367 days.
The minimum amount is 50,000 rubles.
There are no deposits and partial withdrawals in the program.
According to the terms of the deposit, if you terminate the agreement ahead of schedule (the rule is valid only for deposits older than 90 days), then the interest is recalculated at 1/2 of the rate in force at the time of opening.
Thus, you keep part of the bet, even in case of early termination.
For example, you invested 1.5 million rubles for 367 days, but you urgently needed money on the 91st day of opening a deposit.
Since the rate for this period is 9% per annum, we simply divide it by 2. We will get a termination rate of 4.5% per annum.
This deposit will be of interest to our Dear pensioners.
Quite high rates under the deposit program will allow them to receive a decent increase in their pension.
The deposit can be opened only with the presentation of a pension certificate. Account currency: rubles, dollars, euros.
The deposit can be replenished (the amount of replenishment is not limited, the acceptance of contributions stops 30 days before the end of the term), but there is no partial withdrawal here.
The interest rate depends on the choice of interest payment (you can withdraw monthly, or transfer to capitalization), and the term of the deposit.
The maximum rate is given for the following parameters: term 731 days + capitalization (see table).
Minimum opening amount: rubles - 3,000, dollars / euros - 500.
In bold black, bets with a choice of capitalization are marked. As we can see, a long-term deposit with a capitalization in rubles has a rather tangible difference, with rates with monthly interest withdrawals.
Dollars and euros have almost no difference in profits.
Currently, it is a rather popular type of deposit, as it allows you to keep your savings as securely as possible by keeping your money in ₽, $, and € at the same time.
In addition, the program has options that are very necessary for the depositor: replenishment (the amount is not limited, it is accepted up to 30 days left until the deposit closes) and partial withdrawal(allowed up to a minimum balance).
Currency conversion within the account can be carried out as many times as you like (carried out at the bank's rate on the day of the exchange).
Interest is paid at the end of the term of the deposit.
Please note that the minimum deposit for opening a deposit will depend on How did you deposit money :
Table of rates in rubles ("Multi-currency basket")
Table of rates in dollars ("Multi-currency basket")
For deposits in euros, for any amount from 300 €, a fixed rate is given - 0.15% per annum.
The amount of interest on the deposit depends on the term and amount of the deposit.
Advantages:
For a citizen Russian Federation:
An identity document of a citizen of the Russian Federation (one of the following):
A document confirming information about the address of the place of residence (registration) or place of stay of a citizen of the Russian Federation in the Russian Federation.
For foreign citizen:
For a stateless person:
Promsvyazbank
Unprofessional workers. They offered a credit card ostensibly with a very good conditions. In fact, it turned out that the interest on the card is the same as in the "quick money" and similar companies. The specialist gives me one penny amount, but in the contract it is less. I forgot to tell you what brought me to this bank. This all happened in January 2014. My mother had a contribution to the\"Investbank \". Nabiullina strangled him. Depositors were divided into 3 banks. Surname on\"m \" fell on Promsvyazbank. I acted by proxy. Of course, the bank found fault with the power of attorney. I had to go to the notary again, who very competently made all the necessary amendments. And only after I told the bank that I didn’t need cash, and I would open a deposit with them, things started to work. In November 2014, I took all the money from them (and then they deceived me - earlier, when renewing the deposit agreement, they said that small interest would be accrued and there was the possibility of early termination. There was nothing of this. The bank simply used my money for 3 months. bank money, I invested in another with much the best conditions and service. They started calling me from Promsvyazbank. At first they offered the same interest rates under which I invested money in another bank. But then I found out that there is no capitalization and such interest is valid for the second six months, and the first six months at a meager percentage. I HIGHLY ADVISE - RUN FROM THIS BANK LIKE THE DAMN FROM INCENSE!
Promsvyazbank
good bank for smart people. I took out a loan from them, they told me a little about it, but I studied all the basic information on my own. So if a person who doesn’t understand anything wants to take a loan, it can end badly.
Bank deposits are becoming more and more accessible every year. At the same time, it is possible to place funds both in dollars, euros, and in national currency, rubles.
One of the most advantageous offers makes a deposit "Promsvyazbank", a product called "Deposit Dobro".
At the moment, Promsvyazbank offers all its customers, without exception, profitable products in all directions banking. There are a large number of different nuances associated with the design.
One of the most significant parameters of this product is the interest rate. It is determined in each case individually.
At the same time, there are a number of factors that significantly affect the value of the interest rate. First of all, these include:
The standard parameters of the contribution of the type in question are as follows:
Before opening a deposit, you will need to carefully read all the nuances and features of the procedure. The final conditions for the placement of funds are indicated directly in the contract.
That is why it will be necessary to deal with it first. This will avoid a large number various difficulties in the future.
Often, the rate for deposits opened remotely or directly in the office is different. AT individual cases significant enough. This issue will need to be clarified in advance.
For 2019, the following conditions for the placement of funds are established:
In the absence of experience in opening a deposit, it will be necessary to undergo a preliminary consultation on this matter. To do this, it will be enough to sign up for it via the Internet.
You can do this in the following way:
After that, a bank employee in without fail will contact the client and set a convenient time for the meeting. There are a number of features that you need to carefully read.
During the consultation, it will be possible to ask all important questions, get detailed information on the deposit and on the final conditions for the provision of a current account.
You can make a "Welcome" deposit in various ways:
If the registration process is carried out through a special online account, Internet banking, then the registration process will be carried out as follows:
If there is a need for documentary confirmation of opening a deposit, then it will be enough to contact any branch of the bank.
It will be possible to receive a special agreement in it, which will reflect information on this matter.
An alternative is to open a deposit directly in the office. To implement this procedure, it will be necessary to follow a special algorithm.
It includes the following main sections:
It is important to avoid signing documents that have not been properly read before. Usually it is because of this that various problems and difficulties arise.
Any extensive list of documents for opening a deposit is not required. Only one civil passport of the depositor will be enough.
If the deposit operations are carried out by a third party, then you will need:
In case of opening a deposit in the name of a third party, you will need to submit complete list his passport information. At the same time, it is important to remember that the bank independently has the right to establish a list of documents required in this case.
The most significant advantages of this type of deposit from Promsvyazbank include the following:
Also given banking institution is a member of the deposit insurance system. That is why you can not be afraid of the loss of funds even in the event of bankruptcy of the enterprise.
Up to 1.4 million rubles in such a situation, the Deposit Insurance Agency will return the funds. There are also certain disadvantages of this contribution.
One of the most significant is the inability to place currency on the account. At the same time, the bank offers many alternative products designed specifically for the placement of euros and dollars.
There are quite a few different nuances associated with the design of the Dobro deposit.
But the likelihood of any difficulties is simply absent. Nevertheless, it will be necessary to familiarize yourself with the terms of accommodation in advance, this will avoid a variety of problems and difficulties.
Promsvyazbank in 2019 proposes to open profitable deposits for individuals at high interest rates. Consider what rates today can be claimed by ordinary depositors, pensioners and premium clients.
Promsvyazbank is one of the top 10 largest banks in Russia and is a universal commercial bank, whose history goes back 20 years. It was recognized by the Central Bank of the Russian Federation as one of the financial institutions.
Branches of Promsvyazbank operate in Moscow, St. Petersburg, Krasnodar, Nizhny Novgorod and many other Russian cities. The regional network of Promsvyazbank includes more than 300 offices, more than 10,000 ATMs (including ATMs of partner banks) and more than 200 self-service terminals throughout the country.
Promsvyazbank has been selected as a reference bank for the implementation of the state defense order and support for large government contracts, provides a full range of services to retail and to corporative clients, small and medium-sized businesses, the site reports.
Promsvyazbank deposits for individuals are insured by the state, which means that the depositor can always count on compensation in the amount of up to 1.4 million rubles.
Promsvyazbank deposits for pensioners: higher rates
Pensioners can draw up any of the deposits offered by Promsvyazbank for general conditions. But in the line of bank deposits today there are Special offers for women over 54 and men over 59. They can get interest rate surcharge of + 0.1% when opening or prolonging deposits: "My income", "My piggy bank" and "My opportunities".
In 2019, Promsvyazbank deposits for individuals can be opened in rubles, dollars and euros, depending on the strategies for accumulating funds. For pensioners today, higher rates are provided for the My Piggy Bank deposit, there are special deposits for premium clients. The site site has compiled an up-to-date overview of Promsvyazbank's current deposits.
This is a classic deposit of individuals with the possibility of receiving maximum income and early termination preferential terms, the site says. You can apply for it at the branch or online. The deposit can be opened in favor of third parties.
Allowances:
0.10% when placing or prolonging a deposit for pensioners (provided to women over 54, and men from 59 years old with a deposit amount of 100,000 rubles).
+ 0.10% when placing a deposit on the Internet and mobile bank as well as at ATMs.
Calculation. The maximum yield on the "My income" deposit in the amount of 7.5% per annum in rubles is achieved when opening an online deposit in the amount of at least 1 million rubles for a period of 547 days. In this case, the income for 1.5 years will be 112,397 rubles. You will receive 1,112,397 rubles in your hands.
Calculate the possible income on the deposit
Few? See what interest on deposits it offers today
This is a replenishable deposit of individuals with the possibility of obtaining a decent income and early termination on preferential terms. It can be opened at the bank office and in the PSB-Retail Internet Bank.
Allowances:
0.10% when placing a deposit on the Internet and mobile banking.
Doesn't fit? See what interest on deposits it offers today
This is a replenishable deposit with monthly interest. They can be received on hand, or they can be capitalized by increasing the amount of the deposit. For premium clients, there is a surcharge to the interest rate.
Allowances:
This is the so-called "spending" deposit for individuals with the possibility of replenishment and withdrawal of funds without loss of interest. There is a surcharge for premium clients. You can open a deposit at the bank office or in the PSB-Retail Internet bank.
Allowances:
0.15% for program owners banking services when opening a deposit for a period of 6 months in the amount of 500,000 rubles.
0.10% for pensioners when opening a deposit for a period of 6 months or more in the amount of 10,000 rubles.
0.10% when placing a deposit in the Internet bank.
Not satisfied? See what rates on deposits in
This is a comprehensive solution for effective savings. Clients who have issued a policy under the program can open a deposit investment insurance life.
> 8.0% per annum with an amount of 50,000 rubles or more;
> 8.2% per annum with an amount of more than 1 million rubles.
In case of early termination of the investment life insurance contract, the interest rate of the deposit can be reduced by 1 percentage point!
See also what interest on deposits it offers today
Savings accounts of Promsvyazbank
To store savings, customers can open not only Promsvyazbank deposits, but also savings accounts. They combine flexible conditions for managing funds and high profitability.
The account offers more flexible conditions and the opportunity not only to save money without much effort, but also to receive additional income both in rubles and foreign currency. The account is available for opening at the bank office and on the Internet. Connection of accumulation rules: “Replenished-accumulated” and “Bought-accumulated”.
See what interest has the most profitable deposits for pensioners in
This offer may be especially beneficial for those who regularly pay for purchases by debit or credit cards Promsvyazbank, and for quite large amounts. You can open a savings account "Accent on Interest" at the bank's office or in a mobile or Internet bank.
If the minimum balance on the account is more than 700 thousand rubles, then for the amount up to 700 thousand rubles the client will receive income at a rate of 6.5% per annum, for amounts over 700 thousand rubles - at a rate of 5.5% per annum!
Pay for purchases with PSB cards in the amount of 10,000 rubles or more and receive a surcharge on the rate from 0.3% to 1.5%.
The maximum rate of 8% per annum on the Accent on Interest account can be obtained if you have up to 700,000 rubles in your account and spend on PSB map from 85,000 rubles per month.
Promsvyazbank deposits for premium clients
it banking product for premium customers, allowing you to get high stakes on bank deposit, as well as to form endowment capital and provide financial support in an unforeseen situation.
One part of the client's funds is placed in a deposit with an increased interest rate, and the other - in one of the programs accumulative insurance life (NSZH) IC "Ingosstrakh-Life".
| Contribution | NSJ | |
| Currency | Russian rubles | Russian rubles |
| Term | 181, 367 days | From 10 years old |
| Minimum amount | from 50 000 rubles | from 100,000 rubles (for contributions of the first year) or from 400,000 rubles (for one-time contributions) |
| Replenishment | Not provided | Through additional contributions to the program |
| Interest/income payment | At the end of the term | At the end of the term |
| Debit transactions | Not provided | Not provided |
| Yield/amount upon early termination | According to the rules for calculating redemption amounts | |
| Insurance at DIA | insured | Not insured |
> 8.0% per annum in rubles for a term of 181 days;
> 8.2% per annum in rubles for a period of 367 days.
it complex deposit for premium customers, combining reliability bank deposit and investment opportunities of the stock market.
One part of the client's funds is placed on term deposit with a higher interest rate, and the other is invested in shares investment funds(PIF) managed by UK PROMSVYAZ.
| Contribution | mutual fund | |
| Currency | Russian rubles, US dollars | Russian rubles |
| Term | 184 days | Not limited |
| Minimum amount | 50 000 rubles | 50 000 rubles |
| Replenishment | Not provided | By purchasing shares |
| Interest/income payment | At the end of the term | When redeeming shares |
| Debit transactions | Not provided | By redeeming shares |
| Yield on early termination | At the rate of the deposit "On Demand" | Difference between unit purchase and redemption value |
| Insurance at DIA | insured | Not insured |
> 7.7% per annum in rubles.
There are two ways to open a deposit at Promsvyazbank: at a branch and online via the Internet.
