The best pension deposit in August. Profitable term deposits for pensioners. Peculiarities of pension deposits

Special term deposits for retired clients today they offer almost everything Russian banks. Being a socially unprotected category of the population, pensioners can count on enough profitable terms placement of their funds.

Profitable deposits in Sberbank, as well as deposits in other big banks in 2016.

Peculiarities of pension deposits

The main difference from standard deposits is the need to present a pension certificate when making a deposit, as well as reaching the age of 55 for women and 60 for men.

Some banks offer special conditions opening a profitable interest-bearing deposit not only for old-age pensioners, but also for veterans, disabled people who receive social benefits from the state and have the appropriate certificates.

The conditions for registration of pension deposits are generally similar:

• Small initial investment. On average, the amount of the contribution ranges from 5-30 thousand rubles.
• High percent. Typically, the rate is lower than for deposits without the possibility of spending funds and additional contributions, but higher than for standard accounts: savings, "On Demand".
• Cash management. The standard practice is to pay monthly interest to retired depositors by transferring to a parallel current account or specially issued bank cards, as well as the opportunity to capitalize the profits received, and thereby further increase the final income.
• The terms are on average 1-1.5 years with the possibility of extending the account at the end without a visit by a pensioner to a bank branch.
• Deposit currency. In general, pension accounts are opened in the national currency, but many banks offer such programs for depositing money in foreign currencies: euros or dollars. However, the possibility of conversion on these accounts is rarely offered.
• In some cases, the client receives plastic card to receive accrued interest with free first-second year of service and issue.

Sberbank pension accounts

giant banking system- Sberbank of the Russian Federation - for depositors-pensioners, not the most profitable contribution in rubles "Pension Plus" on the following terms:

• . only Russian citizens who have reached retirement age and receive a labor or social pension can open a deposit;
• . low percentage - up to 3.55% per year with capitalization;
• . replenishment of the account is provided in unlimited amounts, and it is possible to make an automatic transfer from the incoming pension;
• . partial consumption is possible;
• . investment into the account from one ruble;
• term 36 months;
• the interest is accrued every quarter and, at the request of the depositor, is issued in cash, by transfer to the account, capitalized.

In addition, for clients of retirement age, preferential terms opening other accounts. For example, based on the parameters of a profitable contribution under high interest"Save" Sberbank, only account holders - pensioners can count on maximum size rates regardless of the investment period, while for other clients the maximum rate is offered only when placing funds for 3 years.

Which deposit is the most profitable for pensioners in Sberbank depends on the amount available and the period of its placement.

Bank of Moscow: pension deposit

Today in Moscow for pensioners there is a profitable deposit at a high percentage and with a monthly profit, which can be opened at the Bank of Moscow. Main parameters:

• multicurrency;
• maximum rate of 10.25% per annum;
• investment from 1 thousand in rubles, 100 - in foreign currencies;
• interest is allowed to be withdrawn every month in cash, transferred to the client's card or capitalized;
• period from three months to 1095 days;
• incoming and outgoing transactions are not allowed;
• there is the possibility of preferential withdrawal with the preservation of part interest income for stays of 181 days or more;
• renewal is possible a maximum of 5 times.

A deposit can be opened both during a personal visit to a bank branch, and using online banking. In the latter case, the interest rate is increased by 0.3 points in comparison with the nominal one.

Offers of Rosselkhozbank

Rosselkhozbank this year created a special deposit called "Pension Plus" for its depositors of retirement age.

The main conditions of this offer are as follows:

• it is possible to invest only in Russian rubles;
• terms - 395 or 730 days;
• first deposit to the account from 500 rubles;
• rate based on the placement period 8.3-8.5% per year;
• this contribution allowed to issue for minor children;
• partial income in the amount of one ruble without time limits;
• capitalization monthly;
• the maximum account can reach the amount of 10 million rubles;
• partial expense is allowed up to 500 rubles on the account, moreover, accrued interest remains;
• automatic renewal of the deposit is possible.

The basis for the conclusion of the contract is a pension certificate and a passport of a citizen of the Russian Federation, as well as the achievement by the client of the retirement age established by law.

Pension accounts in the vast majority of banks are designed for short terms of placement and at high interest rates. Some institutions offer clients to use the service of automatic transfer of a part of the pension received by the same bank to a card account or current account.

March 10, 2016 10692

When a person retires, financial matters usually come to the fore. How to make a pension bring additional income? How not only to save, but also to increase your savings? What is the best deposit to keep your money on? After all, for pensioners, not only every penny - every percentage in the account.

To date Belarusian banks offer a fairly extensive range of deposits. However, of all the deposits offered by banks, only 7 are designed specifically for pensioners. For convenience, we have placed them in one table ...

The best offers in the segment of deposits for pensioners
Bank / Product / Term	Bid, %	Rate type	An initial fee	Capitalization	Possibility of replenishment	Partial withdrawal /
						Early dissolution
irrevocable deposits
	30		200 thousand	weekly	without Borders	not provided
	30	fixed first 3 months	200 thousand	weekly	without Borders	not provided
	28	floating	1 million	monthly	without Borders	not provided
	27	fixed	200 thousand	weekly	without Borders	not provided
	26	fixed	200 thousand	weekly	without Borders	not provided
	26	fixed	200 thousand	weekly	without Borders	not provided
	26	fixed	200 thousand	weekly	without Borders	not provided
revocable deposits
	25	floating	100 thousand	monthly	at least 10 thousand	in terms of accrued interest to the deposit / in case of termination in the period from 1 to 180 days - recalculation at the rate of 1/2 of the current rate, in case of termination in the period from 181 days - without recalculation of interest
	25	floating	1 million	monthly	Mandatory deposit replenishment every 90 days	in case of early termination during the accumulation period - recalculation at the current account rate, during the payment period - without recalculation of interest
	25 (first 100 days)	fixed 100 days	200 thousand	weekly	without Borders	not provided / upon termination after 100 days - without recalculation, within 100 days - 1.5%
	20 (since 101 days)
	25	fixed first 6 months	200 thousand	weekly	without Borders	not provided / upon termination after 6 months - without recalculation, within 6 months - 1.5%
	25	fixed first 3 months	200 thousand	weekly	without Borders	not provided / upon termination after 9 months - without recalculation, within 9 months - 1.5%
	25	fixed first 3 months	200 thousand	weekly	without Borders	not provided / upon termination after 12 months - without recalculation, within 12 months - 1.5%
	24	floating	50 thousand	monthly	without Borders	not allowed / upon termination of the deposit earlier than 6 months - recalculation of interest at the current account rate, upon termination from 6 to 12 months - recalculation - recalculation of interest at a rate of 50% of the current one, upon termination from 12 to 18 months - recalculation at a rate of 70% of the current , in case of termination for more than 18 months - interest is recalculated at the contract rate.
	23.5 (2 months)	fixed two months	200 thousand	weekly	without Borders	not provided / upon termination after 2 months - without recalculation, within 2 months - 1.5%
	20 (from the 3rd month)
	23 (1 month)	fixed first month	200 thousand	weekly	without Borders	not provided / upon termination after 1 month - without recalculation, within 1 month - 1.5%
	20 (from the 2nd month)
	at the first request of the depositor

By the way, there is one obligatory condition for opening pension deposits - the contributors must be citizens of Belarus who have reached retirement age. Today it is 60 years for men and 55 years for women.

However, if you are a former law enforcement officer who retired at an earlier age, many banks will also be happy to see you as a retiree. The main thing is to have the appropriate certificate.

But let's get to the details.

By deposit "Pension" Belinvestbank The following terms of payment of interest are provided for:

• capitalization
• transfer to the current (bank) account
• transfer to a bank payment card

Open deposit Belagroprombank "Care" only owners of the "Care" package at the place where the "Care" pension account was opened can. But it is impossible to prolong this contribution.

Let's figure it out pension savings deposit "Golden Time" of BelVEB Bank. It consists of two periods:

• accumulative period
• payment period

The accumulative period starts from the date of opening the deposit. At the same time, the age of the depositor must be less than 50 years for women, less than 55 years for men.

In the accumulation period, at least once a season, the deposit must be replenished in an amount equal to the minimum or greater than it. Today, the minimum amount is 1 million Belarusian rubles.

Payment period starts from the moment the contributor reaches the retirement age (55 years for women, 60 years for men). This period lasts 5 years. During this period The funds accumulated on the deposit will be paid monthly. You can also withdraw the entire amount of savings at a time.

Contributions "Pension" Belagroprombank and Belarusbank can be opened for enrollment and storage Money coming from government agency transferring pensions, allowances and other payments for state social insurance.

Finally, we remind you that no tax will be paid on deposits made before April 1, 2016. From April 1, the tax will be paid from income to the new open deposits in Belarusian rubles issued for a period of less than 1 year, for deposits in foreign currency - for a period of less than 2 years.

A pension deposit in Belarus is a special kind of deposits issued for a certain social group. Provides the opportunity to freely replenish the deposit, as well as withdraw funds, working even with minimal amounts. In 2016, such deposits in Belarusian rubles for individuals issued by various banks in the country.

What are the benefits of savings for pensioners?

It is the contributions for pensioners that are the most convenient option savings for this social group. They have these advantages:

• Favorable interest on deposits for pensioners in Belarusian banks - from 0.5%.
• Low requirements for the minimum deposit amount - from 100 rubles of the 2000 sample.
• Simple registration of the deposit.
• The ability to freely dispose of funds on the deposit.

You can take advantage of these deposit benefits by making a deposit at any bank in the country.

What you need to arrange deposits for pensioners in Belarus

All residents of the country who have reached retirement age, war veterans, as well as persons entitled to other types of pensions, having such accruals and documents confirming this status, can make deposits for pensioners in Belarus. With documents that prove your identity, as well as certificates for the right to receive a pension, you need to contact the bank branch. A deposit will be made for you, and a card will be issued for it for more convenient account management.

Modern people do not want to live without money. It is understandable, a normal person feels flawed, not having a certain amount of money. After all, not everyone can afford to buy a car, an apartment or a house in the village without saving money in one day. Even well-paid workers have to save money for serious purchases. Some are saving quietly at home, others are opening deposits.

As practice shows, for a long time the population accumulated their own savings in foreign currency. For example, Belarusbank deposits in foreign currency have been attractive to their clients for many years. Some are attracted by the possibility of early withdrawal of funds, others are satisfied with the interest rate, others are impressed by the possibility of monthly replenishment of the account, etc.

Attractive offers on deposits of Belarusbank in foreign currency

Consider all offers of Belarusbank on foreign currency deposits

Name	Currency	Interest rate	Minimum amount	Shelf life/return	Peculiarities
"Prestige"	U.S. dollar, Russian ruble, euro	3%	no restrictions	3 months	Possibility of extension and replenishment; Monthly withdrawal of interest; Capitalization - monthly; Until the due date for the return of the deposit - the possibility of replenishing it without any restrictions.
"Your choice"	US dollar, euro	4% to 5%	$100	3 years	Possibility of replenishment; Monthly withdrawal of interest; Opening an account for another person; 0.5% per annum - premium income;
"Classic plus"	US dollar, euro	5,5%	$100	18 months	Possibility of replenishment; Monthly withdrawal of interest; Monthly capitalization; Opening an account for another person; Before the due date for the return of the deposit - the possibility of replenishing it without any restrictions; 0.6% per annum - premium income; Dependence of the % rate on the placement amount; After 3 months, it is possible to make debit transactions without loss of profitability.

As you can see, interest on deposits in Belarusbank in foreign currency has been very attractive for a long time. This explains the special popularity of this bank among foreign currency depositors.

Of particular interest is the program "Your Choice" of Belarusbank - the bank offers to save money in rubles and in foreign currency. Thus, a deposit in foreign currency is especially beneficial for those investors who plan to keep a large amount - the maximum rate is 5% with a deposit of more than 15,000 US dollars or 15,000 euros. If you hold from 2000 to 15 000 US dollars / euros, you will be offered a lower interest rate - 4.5% per annum.

The same high stakes on the “Your Choice” deposit in Belarusian rubles, their amount depends on the deposited amount:

• 4% per annum - inclusive up to 50,000 Belarusian rubles;
• 4.5% per annum - inclusive from 50,000 to 350,000 Belarusian rubles;
• 5% per annum - over 350,000 Belarusian rubles.

No less tempting conditions for this deposit is 0.5% of premium income.

The classic plus bank deposit, in addition to monthly prolongation, capitalization, interest withdrawal, also involves other, no less tempting, offers:

• After a 3-month period (during which it is impossible to withdraw funds), you can make any debit transactions without the risk of losing the profitability of this deposit;
• You can replenish the deposit at any time, without any restrictions;
• The highest premium income is expected - up to 0.6% per annum.

How our compatriots react to changes in the financial market

It so happened that our compatriots are accustomed to keeping their savings in dollars. This situation in the banking market has been going on for more than a decade, which causes a negative perception by regulators. What measures did they not resort to in order to tilt the cup of popular trust in the direction of their native national currency. It was only in 2008 that the situation finally changed: the scales of deposits slowly began to tilt in favor of the national currency.

For the first time, the volume of deposits in dollars and euros yielded to ruble deposits. Constant fluctuations on foreign exchange market, that feature of the excess of the profitability of the national currency over the domestic ruble persuaded our compatriots to keep their own savings in Belarusian rubles.

However, with the slightest change in financial market our compatriots react instantly by transferring their own savings into foreign currency. Should Belarusbank deposits change their interest rates or exchange rate currencies, as compatriots flock to banks. And this is quite understandable, because each person is primarily interested in the safety of their own money, and only then they think about how to have a 100% guaranteed income.

Often, clients do not withdraw their own funds from banks, they simply transfer them from one currency to another, from one deposit to another.

Features of the deposit "On Demand"

The “On Demand” deposit of Belarusbank is attractive to potential customers of the bank in that it allows them to make debit and credit operations. Many investors who plan to save funds for a long time are impressed by such a feature of this deposit as the storage of funds without restrictions. Thus, the investor can count on the maximum profitability of this deposit. Is this really the case, let's consider in more detail:

Features of deposits of Belarusbank in Belarusian rubles

However, the situation in the financial market over the past five years allows us to be convinced that our compatriots have begun to trust innovative projects Belarusbank, including opening deposits in the national currency.

Consider deposits in Belarusian rubles Belarusbank, their features, advantages and possible disadvantages, special conditions.

Features of the "Priority" deposit

A unique banking product that, regardless of the situation on the foreign exchange market, guarantees a stable profitability is the Priority deposit in Belarusbank. The main condition of this deposit is the placement of funds in Belarusian rubles. The main guarantees of Belarusbank are the return of savings in the amount of Belarusian rubles, which is equivalent at the time of opening this deposit, plus interest on the main income is added to this.

Important features of the Priority deposit are:

• calculation additional income according to a special formula (it can be found on the bank's website) taking into account the exchange rate of the US dollar that has changed during the storage of this deposit;
• payment on the deposit is made on the day when the scheduled closing of the account.

Brief description of the Priority deposit of Belarusbank:

Features of the "Savings" deposit

The "Savings" deposit in Belarusbank implies more long terms storage of funds - 3 years. This is no less a unique banking product, which, reacting sharply to changes in the foreign exchange market, guarantees its depositors a stable profitability.

Name	Currency	Interest rate	Minimum amount	Shelf life/return	Peculiarities
"Savings"	Belarusian ruble	25% + incentive income 18%	100000	3 months	Monthly withdrawal of interest; Capitalization - monthly; After 3 months, it is possible to make debit transactions without loss of profitability

Features of the "Pension" deposit

People of pre-retirement age are increasingly interested in new banking products that have appeared on the financial market. One of such products today can definitely be called the “Pension” deposit of Belarusbank. What is special about this deposit?

First of all, this contribution has certain conditions:

• demand deposit for those depositors who are retired and receive a pension;
• implies the possibility of making any debit transactions;
• implies the possibility of replenishment without restrictions.

Name of deposit	Currency	Interest rate	Minimum amount	Shelf life/return	Deposit features
"Pension"	Belarusian ruble	23.5%; 29.5% - for the disabled and veterans of the Great Patriotic War	100	Without Borders	Monthly withdrawal of interest; Opening a deposit for another person; Capitalization - monthly; The amounts of pensions are credited to the deposit by non-cash transfer; During the entire term of the deposit, it is possible to replenish it without any restrictions; During the entire term of the deposit, it is possible to make debit transactions without loss of profitability.

Step-by-step actions for depositors to open a "Pension" deposit:

1. Contact a banking institution.
2. Prepare a package of documents:
   • pensioners must submit a document that certifies their identity;
   • citizens whose age has not reached retirement age are required to submit a document proving their identity + a pension certificate or a certificate of a disabled person;
   • WWII veterans must submit a document that certifies their identity + a certificate of a disabled or war veteran.
3. Draw up an agreement.
4. Use the terms of the deposit.

Features of the "Cumulative" deposit

The “accumulative” deposit from Belorusbank allows depositors to automatically renew the agreement for a new term. This is very convenient for those depositors who plan to continue their cooperation with the bank, but for a number of reasons do not have the opportunity to visit it personally. Now your personal presence to renew the agreement on this deposit after the expiration of the previous agreement is not necessary at all. All these conditions are stipulated in deposit program"Cumulative". Consider other features of this deposit:

Name of deposit	Currency	Interest rate	Minimum amount	Shelf life/return	Deposit features
"Cumulative"	Belarusian ruble	30% + interest incentive income	50000	3 years	Monthly withdrawal of interest; Opening a deposit for another person; Capitalization - monthly; During the entire term of the deposit, it is possible to make debit transactions without loss of profitability; Early return of funds is possible - with the payment of 60% of the rate applicable to this deposit.

Features of the deposit "Guaranteed income"

The deposit of Belarusbank "Guaranteed income" is similar to the deposit " Savings deposit» offers depositors to automatically renew the contract for a new term. This is very convenient for those depositors who, for a number of reasons, do not have the opportunity to personally visit the bank, but plan to continue their cooperation with the bank. After the expiration of the previous agreement, the personal presence of the depositor to renew the agreement on this deposit is no longer a mandatory condition. So Bularusbank develops loyal banking programs for most of your potential clients. Consider other features of this deposit:

Name of deposit	Currency	Interest rate	Minimum amount	Shelf life/return	Deposit features
"Guaranteed Income"	Belarusian ruble	from 40% to 49%	100000	15 to 35 days	Monthly withdrawal of interest; Opening a deposit for another person; Capitalization - monthly; During the entire term of the deposit, it is possible to replenish it without any restrictions; Renewal of the contract for a new term - automatically.

Features of the deposit "Housing-accumulative"

Today, most of our compatriots will be able to realize their dream and purchase their own housing. Belarusbank provides such opportunities to all its depositors. His product "Housing Savings" will be one of the few chances to acquire the coveted square meters for the majority of citizens living in our country and who have signed a housing savings agreement.

Name of deposit	Currency	Interest rate	Minimum amount	Shelf life/return	Deposit features
"Housing-accumulative"	Belarusian ruble	from 40% to 49%	100000	15 to 35 days	Monthly withdrawal of interest; Capitalization is paid in accordance with the rules established by the bank; Opening a deposit for another person is not possible; Interest rate is fixed; Capitalization - monthly; During the entire term of the deposit, it is possible to replenish it in accordance with the previously selected accumulation plan; Income is paid on the deposit account after the deposit account is closed; When performing an expense transaction, income is recalculated in accordance with the reduced interest rate; If expenditure operation carried out within 19 months, then recalculation according to reduced rate not produced.

How to use the deposit calculator

It is quite clear that before making a decision to open a deposit, each depositor must think carefully about everything, take maximum action to reduce their own financial risks. The program will help you make the right decision: Belarusbank deposit calculator.

Find this program you can on the official website of the bank. With over 90 years of history behind financial activities, Belarusbank tries to make all its activities as transparent as possible for potential customers and develops such banking products, which are available to most of our compatriots. So WTO feel free to connect to Internet banking and resolve all issues directly with financial representatives of the bank. Do not believe the rumors - calculate your income yourself.

It will help to calculate the amount of income when opening a deposit and will allow you to better know the current programs.

Belorusbank occupies a leading position in the banking sector of Belarus, providing customers with a full range of services. Deposits for the bank is one of the priority areas, so it represents a wide variety of programs.

Features of deposits:

• Long periods - the term of the deposit can be 5 years, and in the case of the "Care" program even longer.
• Short terms - Programs "Guaranteed Income" and " savings certificate» have a period of 15 days.
• Large selection of currencies: from national to dollars, euros and Russian rubles.
• The most profitable deposits are in Belarusian rubles.
• Inclusion of the refinancing rate indicator in deposit rates.

SR is the official refinancing rate of the Republic of Belarus.

Programs in Belarusian rubles:

Name contribution	Shelf life	Min. amount down payment, BYR	Bid
Free choice	11 months 24 months	500,00	12,3% 13,8%
Classic Revocable for 35 days	35 days	150,00	4,2%
Classic Revocable up to a year	95 days 185 days	150,00	4,7% 5,2%
Classic Irrevocable up to a year	3 months 6 months 9 months	150,00	6,7% 8,7% 9,7%
Classic Irrevocable up to a year with fixed interest rate	1 year	100,00	10,7%
Classic Irrevocable over a year	18 months 24 months	150,00	13% 13,5%
Internet deposit-Trend revocable	from 1 month up to 9 months	50,00	5,2% - 9,2%
Internet deposit-Trend irrevocable	from 3 months up to 9 months	50,00	6,7% - 10,7%
pension	Not limited	0,01	0,5%
Care	Not limited.	0,01	0,01%
Poste restante	Not limited	0,01	1%

Programs in foreign currencies:

Name of deposit	Shelf life	Min. amount	Bid
Classic Revocable up to a year	95 days	100 USD, EUR 5 000 ros. rubles	0,8% 2,5%
	185 days	100 USD, EUR 5 000 ros. rubles	1% 3%
Classic Revocable over a year	18 months	100 USD, EUR 5 000 ros. rubles	2,3% 5,5%
Classic Irrevocable up to a year	3 months	100 USD, EUR 5 000 ros. rubles	1% 5%
	6 months	100 USD, EUR 5 000 ros. rubles	1,5% 5,5%
	9 months	100 USD, EUR 5 000 ros. rubles	2% 6%
Classic Irrevocable over a year	30 months	100 USD, EUR 5 000 ros. rubles	2,8% 4,7%
	36 months	100 USD, EUR 5 000 ros. rubles	3% 5%
Internet deposit-Trend revocable	from 3 to 23 months	100 USD, EUR 3 000 ros. rubles	1,2% - 2,8% 2,6% - 6,5%
Internet deposit-Trend irrevocable	from 3 to 23 months	100 USD, EUR 3 000 ros. rubles	1,5% - 3% 5,1% - 9%
Poste restante	Not limited.	1 USD, 5 EUR	0,1%

Calculate an example for yourself by filling out the form on this page.

Deposit calculator of Belarusbank



Rub. $ euro c.u.

1.5 years = 18 months, 2 years = 24 months, 5 years = 60 months