Today, in 2016, offers on deposits in banks of the Republic of Belarus are in no way inferior in terms of profitability to Russian, Moscow, various offers for, Sberbank and other popular banks.
OJSC Belagroprombank has been operating for 20 years and is included in the TOP-1000 of the best banks in the world, and also has the 18th position in the list of the 25 largest banks in Eastern and Central Europe.
Belagroprombank offers several options for various categories of citizens in Russian and Belarusian rubles, dollars and euros.
The currencies in which you can make a deposit under this program are Belarusian rubles, dollars, euros and Russian rubles. At the same time, the minimum deposit amount is 50 Belarusian rubles, 25 dollars, 25 euros or 2 thousand Russian rubles. Partial withdrawal of funds is not provided, however, you can replenish the deposit if you wish. You can make a deposit for a period of 95 to 185 days, while interest rate will be as follows:
If you want to withdraw money from the deposit ahead of schedule, interest will be accrued to you at the “Demand” rate, which means that your earnings will be partially preserved. But the most important thing about the deposit is that you can make it without leaving your home, right on the Internet.
This is a fixed term deposit. Minimum deposit amount: 50 Belarusian rubles, 50 dollars or euros and 3 thousand Russian rubles. Replenishment of the deposit is allowed, but partial withdrawal of the amount is not possible. If you want to make a deposit in Belarusian rubles, then you will expect an interest rate of 17-20.5%, if in dollars and euros - 2.5-4%, and if in Russian rubles, then your profit will be 8-12% per annum, while in foreign currency terms are in the range of 95-735 days. Such conditions can compete with.
The minimum amount of this special deposit is 100 Belarusian rubles, 100 dollars or euros and 5 thousand Russian rubles. Interest rate depending on the period - fixed and variable. The period that you can determine for yourself varies between 95 and 370 days. At the same time, the highest interest rate will be for Belarusian rubles - 16%, for dollars and euros - 2.8%, and for Russian rubles - as much as 12%, which is quite a lot for foreign currency. Interest on the deposit is calculated every 10 days, which is very unusual for deposits. Replenishment of the deposit is also allowed, but, unfortunately, partial withdrawal of money from the account is not possible. If you want to terminate the agreement ahead of schedule, you will receive interest at the rate of the “On Demand” deposit for up to 95 days. And in the period from 95 to 370 days, you will not lose interest at your own rate, which significantly adds to the pluses of the “25 years together” deposit.
This deposit has a minimum amount that will please those who want to earn money, but do not have an impressive amount of capital. After all, it is only 10 Belarusian rubles and 10 for the dollar and the euro, and for Russian rubles the minimum amount is only 500 units. The storage period can be from 35 to 280 calendar days, and interest rates for Belarusian rubles are 14-16%, for dollars and euros - 1.5-3%, and for Russian rubles - 8-11%. Earnings in the form of interest are accrued every month and paid in cash or via bank transfer. Replenishment of the deposit is allowed, but partial withdrawals are not allowed Money. Prolongation and early termination of the deposit is available at the “On Demand” tariff.
The conditions for the deposit are the same as in the previous one. But interest rates are fixed at the highest level, namely: 16% for Belarusian rubles, 3% for dollars and euros and 12% for Russian rubles.
The current settlement bank account of Belagroprombank is designed to provide it for storage and crediting of funds. By opening this account, you can:
For Belarusian rubles, the rate is 0.5%, for dollars, euros and Russian rubles - 0.1%.
Advice: if your initial goal is the convenient accumulation of funds with the possibility of constant replenishment, withdrawal, transfer, payment of bills and other operations, then the offer for the current settlement bank account For you.
The “On Demand” deposit seems to have been created specifically for those who do not want to bother with numbers and have risks of early withdrawal of funds. In addition, the conditions for the deposit are very simple. You can open an account for any amount in any currency offered. At the same time, the interest rate in standard Belarusian rubles will be 2%, and in foreign currency 0.1%.
Belagroprombank has developed a special deposit for pensioners at profitable preferential terms. All that a pensioner needs to open a deposit is to confirm his social status, that is, to present documents confirming the right to benefits. However, the "Pension" deposit at 2% per annum, unfortunately, does not imply an account in foreign currency.
Choice bank deposit is always the most important stage for any investors, because it will depend on it how much profit their own savings will bring, whether they will cover the level of inflation. In Belarus, one of the popular banks is Belagroprombank, and its deposit offers are in no way inferior to the programs of large Russian banks, such as Sberbank, Rosselkhozbank and others. Let's try to figure out which Belagroprombank deposits for individuals are available today, their parameters.
This is a deposit product that provides a lot of opportunities for its customers and ensures the maximum growth of their own investments. According to the terms of the banking application, you can open an account in any currency, namely the dollar, euro, Russian and Belarusian rubles, the minimum amount is 10/10/500/10 units for each currency, respectively.
Regardless of the deposit currency, the term of the deposit agreement is 35, 95, 185, 280 days. The interest rate depends on the period of placement of money in the account and the currency. For Belarusian rubles and the minimum value is 4% per year for a period of 35 days, it increases by 0.5 points for each subsequent period. For Russian rubles, the minimum rate is 3% for a period of 35 days, it increases by 0.5 points for each subsequent period. For deposits in dollars and euros, interest rates are distributed as follows: 0.3/0.5/0.8/08 points for each term, respectively.
Interest is paid monthly on the day of receipt of funds to the deposit account.
With regard to the automatic extension of the contract, the prolongation is possible for contracts concluded for a period of 35 and 95 days. But if the contract is concluded for 35 days, then it can be automatically extended 8 times, if for 95 days, then only twice, and contracts concluded for a period of 185 and 200 days are not subject to auto-renewal at all. By the way, the peculiarity of this deposit offer is that the deposit account can be replenished in the amount of 1 Belarusian ruble 5 dollars and euros, 100 Russian rubles.
This is similar to the previous offer, with the only difference being the timing of the placement of funds and annual interest. Deposit currency Belarusian rubles, dollars, euros, Russian rubles, the minimum investment amount is 10, 10, 10, 500 units responsibly. Among other things, the deposit is replenishable, the minimum investment amount is from 1 Belarusian ruble, 5 dollars or euros, or 500 Russian rubles.
The interest rate depends entirely on the term and currency of the deposit. By the way, as for the terms, they are 370, 735 or 1110 days. Now back to the issue of interest rates, the minimum value for an account opened in Belarusian rubles is 8%, for minimum term, then the annual values increase by 0.5 points for each period, respectively. The minimum percentage for dollars and euros is 1.65%, which increases as the term increases by 0.05 points. For a deposit in Russian rubles, the rate will be fixed at 5%, regardless of the term of the agreement.
Please note that under this deposit offer, the terms of the bank do not provide for the prolongation of the agreement for the next term.
If you are looking for profitable deposits in Belagroprombank in foreign currency, then this offer will be exactly that. According to the terms of this offer, a depositor can open a deposit account in 3 currencies: Belarusian rubles, dollar/euro or Russian rubles. The amount of investment is 50 Belarusian rubles, dollars or euros, or 3,000 Russian rubles. Early receipt of cash by the terms of the contract is not provided. The terms of the contract are 95, 185, 37, 735 days. Account replenishment is allowed in the amount of 1 Belarusian ruble, 5 dollars / euro or 100 Russian rubles, depending on the deposit currency.
The annual return on the deposit depends on several factors: for an agreement with a variable interest rate, the annual value will depend on the term and currency. For the domestic currency, the annual value will be distributed as follows: 95 days - 7%, 185 - 8%, 370 - 10%, 735 - 11.5%. For dollars in euros, the annual profit is distributed as follows: 95 days - 0.8%, 185 - 1.3%, 370 - 2.4%, 735 - 2.5%.
For agreements with a variable interest rate, the profit is distributed as follows, depending on the term of the agreement and the deposit currency. Deposit in Belarusian rubles: 95 days - 6%, 185 - 7%. for Russian rubles: 95 - 185 days 5%, 370 - 735 days - 6%. For accounts in foreign currency dollars and euros, the rates are as follows: 95 days - 0.8%, 185 days - 1.3%, 370 - 735 days - 2%.
Auto-renewal of the contract for the next term within the framework of this offer is not provided for by the terms of service.
As part of this offer, you can also open a deposit in domestic currency, dollars, rubles and euros. The minimum deposit amount is 100 units of Belarusian rubles, dollars or euros, or 5,000 Russian rubles. The term of the contract is 370 days. This deposit offer provides for the capitalization of interest, and every 10 days, if the remuneration on the deposit was not received by the depositor. The interest rate depends on the deposit currency and is distributed as follows:
As for other conditions, the deposit can be replenished in the amount of 1 Belarusian ruble, 5 dollars and euros, and 100 in Russian rubles. Partial cash withdrawal is not provided, with the exception of interest already accrued. Prolongation is not provided, if at the end of the term of the agreement the deposit remains unclaimed by the depositor, then the entire amount of his savings will be transferred to the “on demand” account.
Please note that within the framework of this offer, for the first 95 days of the deposit agreement, profit will be accrued at the “on demand” rate, that is, 0.01% per annum, then the profitability will depend on the deposit currency.
This is a specialized deposit offer for Belagroprombank clients, because opening a deposit is possible if there is a payment card linked to the client's current account. Accordingly, the deposit currency will be the same as the open bank account. And you can open a bank account in national and foreign currencies. Minimum size investments 50 Belarusian rubles, 25 dollars or euros, 2000 Russian rubles.
Please note that only individuals who use Internet banking can become a depositor under this program.
The term of placement of funds is 35, 95, 185 and 370 days. The annual yield was distributed depending on the term and currency, the bank accrues interest on the account in Belarusian rubles as follows: 35 days - 4.5%, 95 - 6.5%, 185 - 7.5%, 370 - 9%. For a deposit in dollars or euros: 35 days - 0.5%, 95 - 1%, 185 - 1.4%, 370 - 1.9%. For a deposit in Russian rubles: 35 days - 4%, 95 - 5%, 185 - 5.5%, 370 - 6.5%. According to the terms of service, the account is replenished, deposit additional amounts possible through internet banking. You cannot withdraw cash, interest is paid at the end of the contract, capitalization is carried out monthly.
From the previous deposit products, we can conclude that Belagroprombank's deposits in Belarusian rubles have a higher yield compared to others. The "Care" deposit is available for the bank's clients only in national currency. The peculiarity of this offer is that the term and the rate on it are fixed. Term of placement of funds 370 days, interest 8% per year. You can replenish the deposit, withdraw cash only within the accrued interest. The minimum amount is from 10 Belarusian rubles.
In addition to profitable irrevocable deposits, in Belagroprombank you can open current accounts and a pension deposit with a minimum return. Concerning pension deposit, then it is, in fact, a current account available to citizens of Belarus of retirement age, which can only be opened in the national currency. Interest rate 0.1%, profit accrued monthly. You can replenish your account and withdraw cash without restrictions.
Please note that a current account for pensioners can be opened for transferring social benefits.
The “on demand” account is designed for a wider audience, it is needed for the storage and movement of funds, it can be opened in different currencies: Russian and Belarusian rubles, dollars or euros. Interest rate fixed for all: 0.01%. There are no restrictions on depositing and withdrawing cash. By the way, it is to such accounts that unclaimed deposits are received at the end of their validity period, without the possibility of prolongation. And the interest rate will be valid in case of early withdrawal of the deposit.
As you can see, almost all deposits in Belagroprombank are replenishable, so the question of how to replenish them is always relevant for the client. In fact, there are not so many ways to replenish an account, more precisely, the client has only three options:
By the way, in order to make a transfer to the deposit account, you need to know its number (it is indicated in the service agreement), the last name, first name and patronymic of the depositor and the number of the bank branch where the agreement was concluded.
In this way, currency deposits every resident of Belarus can open in Belagroprombank, but they are not very profitable, although it is possible to get additional income from exchange rate difference, in the event of a jump in the value of foreign currency. Most profitable accounts can only be opened in Belarusian rubles, because it is for them annual percentage can reach 11.5% per annum.
Over the past few years, Belagroprombank has acquired the main features of a diversified credit institution. His clients include not only individuals, but also large enterprises from different sectors of the industry. At the moment, interactions with other financial institutions are clearly debugged.
Many people consider Belagroprombank deposits as an additional source of income. The institution has developed for them a large number of special programs.
One of the interesting offers for individuals is a term irrevocable deposit "Maximum". It does not include any special conditions and benefits for certain categories citizens. The main term depends on the currency in which the account is opened. Interest is added to the principal amount of the deposit or transferred to the account.
| Options | Currency | |||
| Belorussian rubles | Russian rubles | American dollars | Euro | |
| Interest rate | 11,5 | 7,5 | 2,6 | 1,6 |
| Minimum amount | 1000 | 30000 | 500 | 500 |
| Term in days | 370 | 735 | 735 | 735 |
| Possibility to replenish the account | Not | There is | ||
| Debit transactions | Not provided | |||
Attention: additionally, see . The institution is the largest in Belarus.
Of all the deposits of Belagroprombank, this one should also be singled out. Opening an account is carried out by non-cash transfer of funds. Three major currencies are available to consumers. Accrued interest is added to the amount that was deposited when opening an account.
| Options | Currency | ||
| Russian rubles | U.S. dollars | Euro | |
| Interest rate | 8 | 3 | 2 |
| Minimum amount | 100000 | 1000 | 1000 |
| Term in days | 735 | ||
| Possibility to replenish the account | Missing | ||
| Withdrawals under the program | Impossible | ||
Important: to find, you need to compare several programs with each other at once, and then choose the offer that implies the highest possible rate.
To open a deposit, it is proposed to use a remote method. There is no need to visit a bank branch, just go to the website and make a deposit in 5 steps. Within the framework of this program, the timing varies. Consumers can choose the most suitable time period. As the period increases, the rate increases.
| Options | Currency | |||
| Belorussian rubles | American dollars | Russian rubles | Euro | |
| Set bet amount | 5-8 | 0,7-1,6 | 3-4,1 | 0,2-0,5 |
| Minimum amount | 50 | 25 | 2000 | 25 |
| Term in days | 35-370 | |||
| Refill | Allowed for deposits with a period of 95-370 days | |||
| Partial claim of money | Not provided | |||
Another option with the possibility of remote opening. It differs from the previous Belagroprombank deposit higher rates. As for the rest of the conditions, they are very similar. However, it should be noted that there is no possibility to replenish the set in this case.
| Options | Currency | |||
| Belorussian rubles | U.S. dollars | Russian rubles | Euro | |
| Rate range | 5,5-11,5 | 0,7-2,6 | 3-6,5 | 0,3-1,8 |
| Minimum amount | 50 | 25 | 2000 | 25 |
| Term in days | 35-370 | |||
| Deposit replenishment | Impossible | |||
| Debit transactions | Not allowed | |||
Note: not so easy to find. There are a huge number on the market banking offers who have absolutely different conditions and rates.
Within an existing deposit, the interest rate can be variable or fixed. You can choose one of the four available monetary units. When opening a deposit for a longer period, it is possible to replenish the account.
| Options | Currency | |||
| Belorussian rubles | Euro | American dollars | Russian rubles | |
| Fixed rate | 6-7 | 0,4-1 | 0,6-2,1 | 4,5-5 |
| variable rate | 9,1-11,5 | 0,6-1,8 | 0,9-2,7 | 4,5-6,5 |
| Minimum deposit | 50 | 50 | 50 | 3000 |
| Term at a fixed rate (in days) | 95-735 | |||
| Term at a variable rate (in days) | 95-1110 | |||
| Deposit replenishment | Provided only for terms of 735 days | |||
| Withdrawing money within the program | Not allowed | |||
On a note: although the American dollar is not, it is in demand in many countries. This currency unit occupies a leading position in terms of liquidity.
“Growth line 3.0. Up to a year"
Considering the deposits of Belagroprombank, one cannot fail to single out an improved savings program that opens up new opportunities for customers. Interest on the deposit is paid in cash or by transfer to the specified account.
Options Currency Belorussian rubles U.S. dollars Russian rubles Euro Deposit rate 4-7,9 0,6-1,2 2-4 0,1-0,3 Minimum deposit 10 10 500 10 Term in days 35, 95, 185 and 280 Possibility to replenish the account Exists for deposits for a period of 95 days Carrying out debit transactions No provided “Growth line 3.0. Over a year"
The deposit is similar in many respects to the previous option, but the terms in this case are significantly increased. As for interest charges, they are monthly added to the principal amount or transferred to the account reflected directly in the application.
Options Currency Rubles RB U.S. dollars Russian rubles Euro Interest rate 8 1,5-2 4 0,4-0,5 Minimum deposit 10 10 500 10 Term in days 370, 735 or 1110 Depositing money after opening an account maybe Partial Withdrawals Not allowed Interesting: listed deposits can be compared with . The institution for individuals offers special programs with additional opportunities.
"Care"
For older people who receive state benefits and pensions, Belagroprombank offers a special product. The deposit is available to clients at the place of registration of the pension account "Care". The base currency is only the Belarusian ruble.
Basic conditions:
- fixed rate - 7,9% ;
- the minimum available amount is 10 rubles of the Republic of Belarus;
- the standard term for keeping money is 270 days;
- replenishment of the account is possible within 235 days after the opening of the deposit;
- partial recovery of funds is allowed.
Additionally: can be taken for comparison. Within the framework of the developed programs, there are quite attractive offers for the bulk of consumers.
"Deposit card"
When opening a deposit account, a plastic card MasterCard Standard. Money can be stored on the card both in Belarusian rubles and in US dollars or European currency.
Conditions for opening a deposit:
- bid - 4% when stored in rubles of the Republic of Belarus, 0,7% — in US dollars, 0,1% - In Euro;
- the minimum amount is 100 units for all currencies;
- the card is valid for 315 days;
- term - 360 days;
- replenishment of the account is allowed using a card;
- there is a possibility partial withdrawal of money.
Summing up
It can be seen that there are a lot of options for opening Belagroprombank deposits, so most consumers will be able to find the best solution for themselves. Offers with higher rates deserve special attention, since in this case it will be possible to get the highest income.
For many customers, the option with a deposit card may be suitable. With its help, it is allowed to carry out income and expenditure operations which is very convenient for citizens.
