Capitalization: There is
Refillable: Not
Partial withdrawal: Not
Interest payment: Annually
Early withdrawal: In case of full early withdrawal of the deposit, interest for the entire period of keeping the funds is accrued at the rate of the “On Demand” deposit. Moreover, if this rate changed during the period of actual storage of funds, then each value of the rate that is valid in the corresponding period of time is applied to calculate interest.
Increasing the rate as you accumulate: Not
Favorable termination: Not
Special conditions: For participants of the Bank's "Interest as a gift" program (the conditions are posted on the Bank's information stands), an additional bonus (annual) is accrued: Bonuses are not cumulative. The highest possible bonus is awarded. With the exception of the bonuses specified in clauses 3., 5. These bonuses are cumulative. When opening a deposit in the Internet Bank, the rates of Tariff Zone 3 apply. Bonuses do not apply when opening a deposit through the Internet Bank.
The possibility of opening a deposit online for bank customers: There is
Vostochny Express is a bank that has been operating since 1991. For 25 years, the bank has been constantly improving and branching out its regional network more and more. Today it is one of the largest banks in the Russian Federation: the deposit portfolio exceeded 124,000,000,000 rubles.
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Deposits in the bank are guaranteed by the state, as Vostochny Express is a member of the deposit insurance system.
To open a deposit in Orient Express, you need a document that certifies the identity of the depositor.
Not only a citizen of the Russian Federation can become a bank client. To open a deposit for a person foreign country need a passport migration card, as well as documents confirming the right to legal stay on the territory of the Russian Federation.
Bank deposits can be placed for various periods, from 31 days to 3 years. Rates can reach 11.67% per year.
In addition, the bank offers a debit card as a gift, as well as bonuses to regular customers, pensioners and customers who open deposits remotely. The minimum deposit amount is 30 000 rubles.
Deposits are insured, safety and security of funds are guaranteed by the state!
If you, a potential depositor, decide to stay on the Orient Express, then you should know that the conclusion of a transaction with the bank takes place as soon as possible.
You can open a deposit:
Having settled on the first option (personal visit to the office of a banking institution), the potential depositor must provide the responsible employee with a document that will prove his identity.
The specialist will help you choose a deposit that will best meet the needs of the client (replenished, without replenishment, capitalization, partial early withdrawal of the deposit, and other nuances).
If the potential depositor is a client of the bank, he can open a deposit using the Internet Bank.
To do this, you need to register in this service and select a deposit. This option saves the depositor's time, allows you to control your savings from anywhere in the world.
Currently, the bank offers 4 deposit programs with different conditions: capitalization, early withdrawal of part of the funds, replenishment, etc.
The table shows the main conditions for each program:
| Program | Period | Bid | Replenishment | Partial recall |
| passbook | 6-24 months | 10,57% | Yes | No |
| Christmas | 3-12 months | 11,67% | No | |
| Oriental | 1-36 months | 11,41% | No | |
| Practical | 6-24 months | 10,28% | Yes | Yes |
The "Practical" deposit can be placed for 1/2 - 2 years, from 100,000 rubles or 2,000 USD/EUR. The advantage of this program is that on the deposit it is possible not only to invest, but also a partial withdrawal up to a minimum balance.
Moreover, the depositor can independently, up to the day, choose the placement period. Interest is capitalized or paid to a bank card.
The Vostochny deposit allows you to get a high income, up to 11.41% per annum. This contribution is not replenished, not automatically renewed.
Interest can be capitalized or paid monthly. Minimum occupancy - 30,000 rubles or 500 USD/EUR.
The highest income can be obtained from the "Christmas" deposit. This deposit is not replenished, the rate on it reaches 11.67% per annum.
Minimum deposit 30 000 rubles. The bank charges interest once a month, they can be transferred to a debit card or added to a deposit for capitalization.
By this contribution interest rate can reach 10.57%, minimum size – 30 000 rubles.
The rate may increase during the term, provided that you move to another amount range. Interest is capitalized or paid monthly.
The rates in the Orient Express depend on the deposit program, the method of opening a deposit, currency, period, and other nuances.
If we talk about the maximum benefit on deposits in the context deposit programs, then:
As has been repeatedly said, Orient Express offers bonuses and promotions to its regular, new depositors and, of course, retirees.
Note that:
Bonuses can stack!
Naturally, when looking for a financial and credit institution to place a deposit, the client wants to make sure that the funds are placed safely.
As for the Orient Express, bank customers can be calm about the safety of their savings.
Deposits placed with Orient Express are insured. Since 2005, the bank has entered the system compulsory insurance deposits.
An exception is only for the following categories of deposits:
Anyone can become a depositor in the Orient Express individual which will present Required documents. It can be both citizens of the Russian Federation and citizens of foreign countries.
As such, the bank does not put forward requirements for potential depositors. A client wishing to open a deposit must bring identification documents to the bank's office.
If a potential depositor wishes to open a deposit through the Client-bank, he without fail must be a client of the bank, as well as pass identification and registration through this service.
To open a term deposit in a bank, a potential depositor must provide:
1. residents:
2. non-residents:
The bank will offer a potential borrower to write an application for opening a deposit, fill out a form for a bank debit card, and sign a deposit agreement.
No one is immune from force majeure situations that urgently require financial injections. Therefore, depositors often ask the question of whether it is possible to withdraw the entire amount or part of the deposit ahead of schedule.
Orient Express guarantees that upon first demand, the depositor can withdraw his entire savings by closing the deposit agreement ahead of schedule.
But, the client must understand that during such an operation, interest will be recalculated and accrued at the demand rate.
The only exception is for the “Practical” deposit, it provides expenditure operations without loss of accrued interest. You can withdraw part of the deposit up to the amount of the minimum balance.
And you can learn more about microcredits by passport at the following.
Clients who are regular depositors in Orient Express note many advantages of cooperation with the bank.
Here are just a few of them:
a small line that “does not confuse” depositors, the client can independently compare the conditions for all deposits and choose the most profitable option for himself;
Features and limitations of the Christmas deposit
Conditions for partial early withdrawal without loss of interest:
During the entire deposit storage period, it is allowed to make a partial early withdrawal of the deposit up to the amount of the minimum balance, i.е. up to 90% Money on the account at the time of partial early withdrawal of the deposit, but excluding capitalized interest.
At the same time, interest on the entire deposit amount, including on the amount of partial withdrawal (until the date of claiming the specified amount by the depositor), during the period of deposit storage is accrued at the rate determined in the terms of the fixed-term agreement bank deposit at the time of its signing.
In the event of a partial early withdrawal on other terms, the interest on the deposit is calculated based on the rate on the “On Demand” deposit, based on the actual number of days the funds are on the deposit account. Moreover, if this rate changed during the period of actual storage of funds, then each value of the rate that is valid in the corresponding period of time is used for the calculation.
Conditions for full early withdrawal without loss of interest:
In case of full early withdrawal of the deposit, interest for the entire period of keeping the funds is accrued at the rate of the “On Demand” deposit. Moreover, if this rate changed during the period of actual storage of funds, then each value of the rate that is valid in the corresponding period of time is applied to calculate interest.
