Promsvyazbank accepts a deposit Savings Account "Simple Rules" - Service Program "Your PSB Plus" in rubles, dollars, euros. The amount of the accepted deposit is from 1 ruble, the maximum interest rate on the deposit is up to 5.50% per annum.
Opinions of Promsvyazbank clients and Capitaloff experts on the advantages and disadvantages of the deposit - Savings account "Simple rules" - Service program "Your PSB Plus":
The account can be opened for an unlimited period. Replenishment of the account is carried out without restrictions on the amount and term. Withdrawal Money no loss of interest. There is freedom to use money. Supplements are provided for savings account for connecting the accumulation rules: “Replenished-accumulated” and “Bought-accumulated”. Surcharges for connecting accumulation rules, % per annum - Russian rubles - +0.5, US dollars - +0.1, Euro - +0.1.
When choosing a deposit program, a depositor of Promsvyazbank pursues the main goal: to get the highest possible profit, thanks to a favorable interest rate. But often such deposits limit the client's ability to freely dispose of funds. A compromise choice in this situation will be the decision to activate the savings account on loyal terms.
Clients who want to save money and at the same time not be deprived of the opportunity to partially spend money from the deposit balance should be interested in profitable proposition from Promsvyazbank. According to the “Profitable” account service agreement, the depositor can withdraw money from the balance without worrying about the threat of lowering the interest rate or deactivating the account.
All deposits opened with Promsvyazbank are insured up to the amount of 1.4 million Russian rubles, according to the law Russian Federation. If several deposits are opened for one individual, then the insurance coverage applies to the total depositary amount.
Each depositor who has opened a deposit account must familiarize himself with the "Rules of Accumulation". The principle of this financial instrument simple: part of the funds from the main cash account is transferred to the savings account every time a cash flow is recorded on the client's card (balance replenishment or payment for goods and services).
Funding mechanism:
| Replenishment = accumulation | Purchase = accumulation |
|---|---|
| The client agrees in advance with the bank employee the desired amount or percentage, which will be transferred to the balance of the savings account after the funds are received on the card. | The client sets the desired amount or percentage that will be transferred to the HC balance when paying for each purchase. |
| Example: | Example: |
| Contributor's salary = 70 thousand rubles. | Check amount = 900 rubles. |
| Of these, 15% is transferred monthly to the deposit account, i.е. 10.5 thousand rubles. | 20% of the check amount is taken as a basis, i.e. 180 rubles will be automatically transferred to the balance of the National Assembly. |
| Annual amount of accumulation: 10.5 thousand x 12 months = 126 thousand rubles. | The more purchases paid with a bank card, the more actively the accumulative amount grows. |
Having collected a sufficient amount of savings, it is recommended that you withdraw from your savings account and put it on a deposit with the highest possible interest rate. At the same time, part of the funds can not be withdrawn from the National Assembly and this money can be used as an additional financial source.
Thus, the client has the opportunity to freely use personal funds without losing the favorable interest rate.
Choosing deposit program"Profitable", customers are guaranteed to receive the following benefits:
Detailed advice on the benefits and opportunities can be obtained at the Promsvyazbank office. The nearest branch is easy to find on the online map.
The following interest rates are currently in effect:
A savings account can be opened in two ways: by visiting a stationary bank branch or by submitting documents in a remote format. The list of documents required for account activation can be found
| Applying at the office | Applying via Internet Banking |
|---|---|
| Procedure: | |
| 1. Select the nearest stationary branch of Promsvyazbank and familiarize yourself with the work schedule. | 1. Persons who have not previously concluded an ATC with the bank should apply to the bank's branch to sign a cooperation agreement. |
| 2. Come to the office with an identity document. | 2. Open Personal Area internet banking. |
| 3. Familiarize yourself with the rules of comprehensive services for individuals and sign the relevant document. | 3. Select "Cards and accounts" from the list of sections. |
| 4. Check the correctness of the data entered by the operator. | 4. Familiarize yourself with the list of available savings accounts to select the best one. |
| 5. Put a sum of money on the balance of the National Assembly convenient way: online transfer of funds from personal card or cash at the box office. | 5. Top up the balance of the National Assembly by transferring money from the main bank account. |
| 6. Get a document confirming the activation of the savings account. | 6. Confirm the action. |
| 7. Contact the nearest bank office to obtain a document confirming the activation of the savings account. | |
Thanks to the “Profitable” deposit account, depositors can freely replenish the account balance throughout the entire period of the agreement, as well as spend the accumulated funds without losing the favorable interest rate.
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All about deposits
Deposit insurance
Contribution (deposit)- the amount of funds that the bank accepts from the client for a definite or indefinite period. According to the Civil Code, the bank undertakes to return the deposit amount and pay interest on it on the terms and in the manner stipulated by the agreement. Also, a citizen has the right to withdraw funds from the bank at any time. Refuse to open a deposit to a private person Russian bank it can, provided that the citizen provides false information about himself, and also if the person is suspected of violating the law on the legalization of proceeds from crime (115-FZ). To conclude an agreement on opening a deposit, it is enough to present a passport.
Interest capitalization
Capitalization of interest - the addition of interest to the amount of the deposit, allows you to further calculate interest on interest. The calculation of interest on interest used in certain types of bank deposits, or if there is a debt, interest that is included in the amount of the principal debt and also earns interest. Interest on a deposit with capitalization can be calculated daily, monthly, quarterly and annually. If they are not paid, then they are added to the deposit amount. And in the next period, interest will be accrued already on a large amount.
Interest payment
Interest on the amount bank deposit are paid by the bank in the amount determined by the bank deposit agreement. If the bank deposit agreement does not stipulate the amount of interest paid, then the bank is obliged to pay interest in the amount of the refinancing rate in force on the date of payment (Article 838 of the Civil Code of the Russian Federation).
It should be noted that the interest rate stipulated in the bank deposit agreement is an annual one, i.e., the amount of your deposit will increase by the same percentage in a year.
Interest on the deposit can be paid daily, monthly, quarterly, annually and at the end of the term.
Deposit insurance
Deposit insurance implies that in the event of a bank failure, an individual receives all or part of the funds invested in this bank as soon as possible. Payments are made by special funds created at the expense of banks and / or the state.
According to the law of the Russian Federation, if a bank is a member of the deposit insurance system, then in the event of revocation of a license to carry out banking bank, the state guarantees individuals a refund of up to 1,400,000 rubles.
Taxation of deposits
With regard to income in the form of interest received on deposits in banks, the tax base is defined as the excess of the amount of interest accrued in accordance with the terms of the agreement over the amount of interest calculated on ruble deposits based on the refinancing rate Central Bank Russian Federation, increased by five percentage points, effective during the period for which the specified interest is accrued, and for deposits in foreign currency based on 9 percent per annum, unless otherwise provided by this Chapter. This rule does not apply if the deposit is in rubles, at the time of opening the deposit, the refinancing rate increased by five percentage points exceeded the deposit rate, the deposit rate did not change, and no more than 3-3 have passed since the last excess of the deposit rate over the refinancing rate increased by five percentage points x years. If all these conditions are met, no income tax is levied on the deposit.
The tax rate on interest income on deposits for persons who are tax residents of the Russian Federation and receive such income is 35%; for non-residents (actually staying on the territory of the Russian Federation for less than 183 days in a calendar year) - 30%.
Types of deposits
Term deposit- a bank deposit for which a certain period of storage is established (from several months to several years). Such a deposit is kept in the bank in the amount of the deposited amount and is returned to the depositor in full, together with interest.
Making a term deposit:
Funding is confirmed savings book, savings or deposit certificate or other document issued by the bank to the depositor that meets the requirements provided for by law for such documents.
The most commonly used agreement is to open a deposit and deposit funds into a client's deposit account. This agreement specifies the date of opening the deposit, information about the depositor, the deposited amount, currency, deposit term, interest rate and other conditions.
Term deposits can be divided into separate subspecies according to their purpose:
Demand deposit- a bank deposit returned to the depositor in whole or in part at his first request. Withdrawal of money can be carried out in cash, Bank transaction or issuing a check. The funds received by the bank from the depositor are kept in a current or checking account.
Special deposits- these types of deposits are offered, as a rule, to a narrower group of people. For example, banks can develop special products for pensioners, students, etc.
Multicurrency deposit - allows customers to simultaneously store money in different currencies (usually in rubles, dollars and euros).
Such deposits are most in demand during sharp fluctuations in the exchange rate of the ruble against the dollar and the euro. It is believed that one of the key advantages of a multi-currency deposit is the possibility of non-cash conversion of funds within the deposit without restrictions and without loss of profitability. As a rule, banks do not charge commission for conversion, but the rates on such deposits are lower than on ordinary deposits, on average by 1-2 percentage points.
Contribution to a third party- The peculiarity of a deposit in favor of a third party is that, until this person decides to exercise the rights of a depositor (in other words, before his personal appeal to the bank), the client who opens a deposit and concludes an agreement can also enjoy all the rights of a depositor. Usually, third-party deposits are replenishable. However, the possibility of replenishment may be limited. If the currency deposit is replenished not by the person in whose name it is opened, but directly by the citizen who initially deposited money on the deposit, then he will have to provide a notarized power of attorney to the bank on behalf of that same third party.
For deposits to third parties upon occurrence insured event reimbursement is paid on a general basis. But only the person in whose name the deposit was opened can receive this compensation. Often, clients who wish to deposit more than 700 thousand rubles make deposits to third parties, such as relatives.
Deposits via internet bank, ATM or terminal deposits- are no different from a regular deposit. This is also the amount of money placed in the bank to receive interest income. A separate deposit account is also opened for the client, on which the credited funds are recorded. Also, interest is accrued within a certain period of time and savings with income are returned. The only difference is in the deposit opening technology and the set of documents establishing the relationship between the parties. An essential feature of a deposit through remote access channels, such as an electronic digital signature (EDS) of the client and the bank, instead of signatures personally put on paper at the time of the conclusion of the contract.
The Deposit Insurance Agency was established in January 2004 on the basis of Federal Law No. 177-FZ dated December 23, 2003 “On Deposit Insurance individuals in banks of the Russian Federation.
In order to ensure the functioning of the deposit insurance system, the Agency pays compensation to depositors on deposits in the event of an insured event; maintains a register of banks participating in the deposit insurance system; controls the formation of the deposit insurance fund, including at the expense of bank contributions; manages the funds of the deposit insurance fund.
The number of participating banks is 762 (data as of August 17, 2018), insured events - 454 (data as of August 2, 2018).
With the adoption of the Federal Law of August 20, 2004 No. 121-FZ “On Amendments to the Federal Law “On Insolvency (Bankruptcy) credit organizations»and invalidation of certain legislative acts (provisions of legislative acts) of the Russian Federation» the institution of a corporate bankruptcy trustee of insolvent banks was introduced in Russia, the functions of which are assigned to the Agency. The number of liquidation procedures in relation to banks is 642, the number of completed liquidation procedures is 307.
On October 27, 2008, Federal Law No. 175-F3 “On Additional Measures to Strengthen Stability banking system until December 31, 2014”, according to which the Agency was also endowed with the functions of financial rehabilitation of banks. The number of bank resolution projects in which the Agency took part is 23.
In accordance with federal law dated December 28, 2013 No. 422-FZ “On Guaranteeing the Rights of Insured Persons in the System of Compulsory pension insurance Russian Federation in the formation and investment of funds pension savings establishing and making payments from pension savings”, which came into force on January 1, 2014, a system is being created to guarantee the rights of insured persons in the system of compulsory pension insurance.
To ensure the functioning of the system of guaranteeing the rights of insured persons, the Agency maintains a register of non-state pension funds - participants in the guarantee system; forms and invests the funds of the Pension Savings Guarantee Fund; controls the completeness and timeliness of the receipt of guarantee contributions to the fund for guaranteeing pension savings; in the event of a guarantee event, will pay the guarantee compensation to the fund-participant or Pension fund Russian Federation.
Currently, 38 NPFs are participants in the system of guaranteeing the rights of insured persons.
Expert Council
The Expert and Analytical Council under the State Corporation "Deposit Insurance Agency" is a permanent public body, which includes representatives of banks, leading banking associations and the scientific community.
The main tasks of the Council are to provide expert, analytical and methodological assistance to the DIA Group in solving the whole range of problems related to ensuring the functioning of the deposit insurance system and the Agency's activities as a corporate receiver in case of bankruptcy and liquidation of credit institutions.
Council meetings are held quarterly.
System creation compulsory insurance bank deposits of the population (CER) is a special state program implemented in accordance with the Federal Law "On insurance of deposits of individuals in banks of the Russian Federation".
Its main task is to protect the savings of the population placed in deposits and accounts in Russian banks on the territory of the Russian Federation. Currently, depositors of 762 (data as of August 17, 2018) banks participating in the system are protected by CERs, including:
Protecting the financial interests of citizens is one of the important social tasks of the state. Deposit insurance systems operate in more than 100 countries of the world, including all member states of the European Community, the USA, Japan, Brazil, our closest neighbors - Azerbaijan, Armenia, Belarus, Kazakhstan, Ukraine.
Principles of CER operation
The deposit insurance system works as follows. If an insured event occurs with regard to the bank (its license to carry out banking operations), his contributor to short time monetary compensation is paid: compensation for deposits in the prescribed amount. In case of liquidation of the bank, its settlements with the depositor in the part exceeding the specified payment are carried out later - in the course of liquidation procedures in the bank.
For deposit insurance, the depositor does not need to conclude a separate insurance contract: it is carried out by virtue of law. An organization specially created by the state - the Deposit Insurance Agency, returning the amount of his savings to the depositor for the bank, takes his place in the queue of creditors and further sorts out relations with the bank to return the debt.
The amount of compensation in one bank cannot exceed the maximum amount of insurance compensation, even if the depositor keeps money in several accounts in this bank. However, if he has contributions to different banks, in each of them he can receive compensation within the maximum amount.
For insured events that occurred after December 29, 2014, maximum size insurance compensation is equal to 1.4 million rubles. (for earlier insured events, starting from October 2008 - 700 thousand rubles).
All monetary funds of individuals placed with a CER member bank on the basis of a bank account or bank deposit agreement are subject to insurance, except for:
Deposit reimbursement
In order to receive a refund on deposits, the depositor must submit to the Deposit Insurance Agency (its authorized agent bank) an application and identification documents of the depositor. This can be done at any time from the date of the insured event until the completion of the liquidation of the bank, which lasts, on average, 2 years. Insurance indemnity for "latecomers" will be paid in exceptional cases, for example, in case of a serious illness, prolonged business trip abroad, military service.
Payment of compensation on deposits is made by the Agency (as a rule, through an authorized agent bank) in accordance with the register of the bank's obligations to depositors, formed by the bank in respect of which the insured event occurred. Payment is made within three days from the date of submission by the depositor to the Agency (agent bank) of documents. Payments begin, as a rule, 10-14 days after the occurrence of the insured event (the preparation period is necessary to receive information from the bank about deposits and arrange settlements). Payment of compensation on deposits can be made at the request of the depositor both in cash and by transferring funds to a bank account indicated by the depositor. Insurance can be paid by postal order at the place of residence of the depositor.
CER members
Participation in the insurance system is mandatory for all banks that have the right to work with private deposits. Deposits are considered insured from the day the bank is included in the register of banks participating in the DIS.
Mandatory Deposit Insurance Fund
Insurance premiums are paid by banks on a quarterly basis. Since the 3rd quarter of 2015, a mechanism has been introduced for paying contributions at differentiated rates, the amounts of which are established by the Board of Directors of the Agency. The full rate of contributions per quarter applied by each bank depends on the maximum level interest rates on deposits attracted by the bank and is 0.1 or 0.12 or 0.25 percent of the average value of daily balances of deposits in the bank in this quarter.
Investment of the Mandatory Deposit Insurance Fund
The Fund's resources are invested on the principles of repayment, profitability and liquidity of acquired assets. For all state corporations, the Government of the Russian Federation establishes general order and investment conditions, as well as the procedure and mechanisms for monitoring the investment of temporarily free funds. In accordance with the established rules, the list of permitted assets for investing the Fund's resources includes:
It is not allowed to invest the Fund's resources in deposits and securities of Russian credit institutions.
Data on income from investing the Fund's resources are published in the annual reports of the Agency.
The Fund's funds spent on payment of insurance indemnity may be fully or partially recovered upon repayment of the Agency's claims against liquidated banks in the course of liquidation procedures. In order to ensure financial stability CER The Russian Government has been granted the right to allocate funds to the Agency federal budget in the event of a shortage of funds from the Fund.
In accordance with the Federal Law of December 23, 2003 No. 177-FZ “On insurance of deposits of individuals in banks of the Russian Federation” (hereinafter referred to as the Federal Law), funds in rubles and foreign currency placed by individuals or in their favor in bank in the territory of the Russian Federation on the basis of a bank deposit agreement or a bank account agreement, including capitalized (accrued) interest on the deposit amount, including funds placed:
- in deposits (demand and term deposits); - on bank accounts intended for receiving salaries, pensions, scholarships and social benefits, including if transactions on these accounts are made using bank cards;
- on accounts (deposits) individual entrepreneurs open for entrepreneurial activities (for insured events that occurred from January 1, 2014);
- on nominal accounts of guardians or trustees, the beneficiaries (beneficiaries) of which are wards (for insured events that occurred from December 23, 2014);
- escrow accounts opened by individuals for settlements under transactions with real estate, for the period established by the Federal Law (for insured events that occurred from April 2, 2015). The following funds are not insured:
- placed on bank accounts (in deposits) of lawyers, notaries and other persons, if such accounts (deposits) are opened for the implementation of professional activities provided for by federal law;
- placed by individuals in bearer bank deposits, including certified savings certificate and (or) savings book to bearer;
- transferred by individuals to banks for trust management;
- placed on deposits in branches of banks of the Russian Federation located outside the territory of the Russian Federation;
- being electronic money;
- placed on nominal accounts, with the exception of separate nominal accounts that are opened for guardians or trustees and beneficiaries (beneficiaries) for which the wards are, pledge accounts and escrow accounts, unless otherwise established by the Federal Law.
The depositor's right to receive compensation for deposits arises from the day the insured event occurs. An insured event is one of the following circumstances:
1) revocation (cancellation) of the license of the Bank of Russia for banking operations from the bank, if the plan for the Agency's participation in the settlement of the bank's obligations is not implemented in accordance with Federal Law No. 127-FZ of October 26, 2002 "On Insolvency (Bankruptcy)";
2) introduction by the Bank of Russia of a moratorium on satisfying the claims of the bank's creditors.
Compensation for deposits in a bank in respect of which an insured event occurred is paid to the depositor in the amount of 100 percent of the amount of deposits in the bank, but not more than 1.4 million rubles (for insured events that occurred after December 29, 2014).
If the depositor has several deposits in one bank, then compensation is paid for each of the deposits in proportion to their size, but not more than 1.4 million rubles in total. This condition applies to all deposits made by a depositor (in favor of a depositor) in one bank, including deposits made in connection with the implementation of entrepreneurial activities provided for by federal law (with the exception of escrow accounts opened by individuals for settlements on transactions with real estate ).
Compensation under the contract for an escrow account opened for settlements on purchase and sale transactions real estate, is paid in the amount of 100 percent of the amount on the specified account at the time of the insured event, but not more than 10 million rubles. Compensation under the escrow account agreement is calculated and paid separately from compensation for other deposits. If the deposit is placed in a foreign currency, the amount of compensation for deposits is calculated in rubles at the exchange rate set by the Bank of Russia on the day of the insured event. Payment of compensation on deposits is made in rubles.
If the bank also acted as a creditor in relation to the depositor (issued a loan to the depositor), then the amount of compensation for deposits is determined based on the difference between the amount of the bank's obligations to the depositor and the amount of counterclaims of this bank against the depositor that arose before the day the insured event occurred.
In order to receive compensation on deposits, the depositor (his representative) or heir (representative of the heir) has the right to apply to the state corporation "Deposit Insurance Agency" (hereinafter referred to as the Agency) or to the agent bank, if it is involved in the payment of compensation on deposits. Such a right can be exercised by the depositor from the day the insured event occurs until the day the bank bankruptcy procedure is completed, and if the Bank of Russia imposes a moratorium on satisfying creditors' claims, until the day the moratorium expires.
If the specified period is missed at the request of the depositor (his heir), it can be restored by the decision of the Agency's Board in the presence of the circumstances specified in the Federal Law.
The heir has the right to exercise the rights of the deceased depositor, provided for by the Federal Law, from the moment the heir is issued with an appropriate certificate of the right to inheritance or another document confirming his right to the inheritance or the right to use the heir's funds.
When applying to the Agency (agent bank) with a request for payment of compensation on deposits, the depositor (heir) shall submit:
1) an application in the form determined by the Agency;
2) documents proving his identity, and when the heir applies, also documents confirming his right to the inheritance or the right to use the testator's funds. The register shall indicate the details of the document on the basis of which the depositor concluded bank deposit agreements and (or) bank account agreements with the bank, or the details of the document, information about which is available in the bank (in case the depositor replaces his identity document and informs the bank about this fact).
The representative of the depositor (heir), along with the above documents, also submits a notarized power of attorney confirming the right of the representative to file a claim for compensation on deposits.
The specified documents are submitted by the contributor (his representative) or the heir (his representative) by mail, through an expedition, or are handed directly to the official authorized to consider the documents.
Payment of compensation on deposits is made by the Agency in accordance with the register of the bank's obligations to depositors within 3 working days from the date the depositor submits the necessary documents to the Agency, but not earlier than 14 days from the date of the insured event.
When a depositor submits documents to the Agency, he is issued an extract from the register of the bank's obligations to depositors indicating the amount of compensation for his deposits. The Agency sends a message about the place, time, form and procedure for accepting applications from depositors to the bank in respect of which the insured event occurred and publishes it in the Bulletin of the Bank of Russia, a printed organ at the location of the bank and the information and telecommunication network Internet. Within a month from the date of receipt from the bank of the register of the bank's obligations to depositors, a corresponding message is sent to the bank's depositors, information about which is contained in the register, in individually.
Payment of compensation on deposits can be made at the request of the depositor both in cash and by transferring funds to a bank account indicated by the depositor.
Payment of compensation on bank accounts (deposits) of individual entrepreneurs opened for entrepreneurial activities is carried out by transferring funds to a bank account opened for entrepreneurial activities. Acceptance from depositors of applications for payment of compensation on deposits and other necessary documents, as well as payment of compensation for deposits can be carried out by the Agency through agent banks acting on its behalf and at its expense.
A depositor who has received compensation from the Agency for deposits placed with a bank in respect of which an insured event has occurred, retains the right to claim this bank for the amount determined as the difference between the size of the depositor's claims to this bank and the amount of compensation paid to him on deposits in this bank, in the manner determined by civil legislation.
Make sure that the organization in which you are going to make a deposit is a bank participating in the deposit insurance system (has the appropriate license from the Bank of Russia). Some institutions masquerade as banks, offering high interest and silent about the lack of appropriate guarantees.
Carefully check the spelling of your name, passport details and postal address in the deposit agreement, always inform the bank about the changes - this will allow you to easily find you among the depositors when paying out insurance, as well as deliver the necessary information to you by mail.
Remember that the following are NOT covered by the insurance system:
- deposits certified by a savings certificate to a bearer or a passbook to a bearer;
- bank accounts of persons involved in entrepreneurial activity without education legal entity if these accounts are opened in connection with the specified activity;
- deposits in branches of Russian banks located abroad;
- funds transferred to banks for trust management;
- funds placed on depersonalized metal accounts;
- funds transferred to the so-called "electronic wallets" (electronic money).
Remember that not only the deposited amount is insured, but also the accrued interest. They are calculated in proportion to the actual term of the deposit until the day of the insured event. In order for your savings over 700 thousand rubles to be fully protected, it is advisable to place them in different banks.
Come for insurance at any time convenient for you - there is a year and a half before the end of the bank bankruptcy procedure. If possible, do not rush to get insurance on the first day of payments - there may be queues. If you do not have the opportunity to contact the agent bank, send an application to the Agency by mail and receive insurance by postal order or to an account in another bank. The signature on the application sent by mail (for the amount of insurance compensation of 1000 or more rubles) must be notarized.
With the rules of opening and maintenance bank accounts you can see .
You can familiarize yourself with the list of documents required to open an account.
Step 1. Issue a power of attorney for your representative at the bank or at the notary, indicating in it the authority to conclude a bank account agreement.
Step 2. Give the issued 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.
Step 1. Issue a power of attorney for your representative in the form of a bank at a notary, selecting the necessary powers.
