Foreign currency gained particular popularity in our country in the 90s. last century, during a period of hyperinflation. Then, as confidence grows in banking system Belarusian citizens began to open foreign currency deposits in Belarusian banks. Although there are various monetary units, the most popular among the population are still:
Interest rates on deposits in foreign currency in banks in Minsk depend on the type of deposit, which can be on demand (the lowest rates), revocable (from about 3 to 6%) and irrevocable (reach 7% or more).
The website contains a list financial institutions, which offer advantageous offers on deposits in foreign currency. We always have up-to-date information on types of deposits, interest rates, method of accrual, profitability and other key points that citizens pay attention to.
When choosing, we suggest using an online calculator that helps to calculate the amount of income depending on the size of the deposit and the interest rate. To request to open a deposit, fill out an express application on our portal or on the website of the selected bank.
Which continues in the country from year to year, the only way to save your savings is to use bank deposits. Despite the fact that deposits in Belarusian rubles promise much higher interest rates, the benefits from such investments can hardly be felt. Again, because of inflation, which will "eat" not only the money, but also the accrued interest on them. This text will deal with foreign currency deposits in Belarus.
It is more reliable, and often it turns out that it is more profitable to take advantage of such an offer from banks as deposits in foreign currency.
In the Republic of Belarus, almost all Belarusian banks offer deposits in foreign currency. The most attractive bank deposits ( high stakes on deposits in foreign currency) in foreign currency are offered by Belvnesheconombank, Belinvestbank and Absolutbank.
In order to figure out which currency deposits to choose, you can use the online calculator on our website. The foreign currency deposit calculator is simple and fast. It is enough to select the currency, city, term of the deposit, indicate the monthly replenishment (if necessary), as well as the size of the deposit and click the "Select" button. The calculator will select the most best option deposit in seconds. You will find out which banks offer the most profitable deposits in Minsk in foreign currency.
Thus, there is no need to waste time choosing a bank (on our website there are about 30 monetary institutions offering deposits in foreign currency), calculating interest and possible benefits. You save time and therefore money.
The most common are deposits in dollars and euros. Why exactly in the currency, it is not difficult to guess. By investing in foreign currency, inflationary processes can be avoided, from which, first of all, the value of national money suffers. Profitable deposits in foreign currency will keep your savings.
In addition to maintaining a foreign currency deposit, you can earn on the interest that the bank pays. Turning to any bank, you will open an account for a foreign currency deposit absolutely free of charge. In this case, the minimum deposit amount is not specified. If you wish bank interest deposits can be transferred to a credit card.
In case of early termination of the bank deposit agreement, you have the full right to receive compensation from the deposit in dollars.
If we talk about the disadvantages of a bank deposit in foreign currency, then it is worth noting only one of them - the risk of losing money in the event of a financial collapse of a credit institution. In addition, you should not rely on bank deposits (albeit in foreign currency) if your goal is to invest free funds. Bank deposit just a tool to save the available money.
The best deposits in foreign currency from Belarusian banks on our website.
Every more or less financially literate person knows that free cash should not lie idle. Money must be invested, it must always be in circulation, otherwise there is a chance of losing it due to inflation. People who are confident and not afraid of risk prefer to earn on stock trading. Cautious citizens are looking for less risky opportunities to increase capital. One of the options for a cautious but stable income is deposits.
Most residents of the Republic of Belarus prefer deposits of Belarusbank. This is due to the fact that:
Consider the main offers of the bank.
Investments in national currency are characterized by high interest rates. This is done to protect depositors' funds from inflation. Below you can find the current offers of the bank.
The contract is concluded for a period of 3.5 months. The minimum deposit amount starts from 500.00 bel. rub. at a rate of 9.35% per annum. The depositor has the opportunity to replenish the deposit account only in the first month after the conclusion of the agreement. After this time, no replenishment of the account is provided. Automatic renewal of the contract and expenditure operations- not provided. A client can close a deposit account ahead of schedule only with the approval of the bank.
The main advantages of the offer:
The bank offers a fixed deposit rate equal to 9.4% per annum. The deposit amount for opening a deposit must be at least 500 bel. rub. You can replenish the account in the first month of opening a deposit, after that the deposit of additional funds is not provided. 
Deposit benefits:
Any operations (opening, closing, management) on a savings deposit in Belarusian rubles in Belarusbank can be done independently by the client via the Internet. You can certify printed documents, issue a power of attorney and perform other actions in the divisions of a financial institution.
Under the terms of the agreement, funds are deposited for 6.5 months without the possibility of withdrawal or partial withdrawal. The minimum deposit amount is 500.00 BYN. rub. You can replenish the deposit within 3 months from the date of its opening. There is no extension of the contract by default. 
Advantages:
Please note that the terms of the agreement, namely the rate, can be changed at the initiative of the financial institution, but after prior notification of the client.
The deposit period is at least 6.5 months. The amount of the contribution to the account cannot be less than 500.00 bel. rub. Yield - 9.8% per annum, but can be changed by the bank after notifying the depositor. Spending the invested funds before the end of the contract is prohibited. 
Advantages:
This is one of the most profitable deposits in Belarusian rubles in Belarusbank. There are several storage periods to choose from - 3, 4 and 5 years at 10.3%, 10.4% and 10.5% per annum, respectively. The minimum amount required to open an account is 200.00 bel. rub. You can credit additional funds to the account throughout the entire period, except for the last 3 months. 
Advantages:
Rates may change at the initiative of the bank up or down, but after prior notification of the client. Early termination is possible by agreement of the parties.
The minimum amount to open an account is 100.00 bel. rub. at a rate of 7.5%. During the term of the contract, the rate does not change. Shelf life Money- 1 year. Replenishment, expenditure of funds and automatic extension of the contract are not provided.
Advantages:
The deposit can be opened for 1, 3, 6 or 9 months at the rates of 2, 3, 5 and 6% per annum. The rate changes at the initiative of the financial institution. The minimum amount to open a deposit is 50.00 bel. rub. The account can be replenished in the amount of at least 10.00 bel. rub. 
Advantages:
You can deposit money for storage for a period of 1 month at 3.5%, for 3 months at 5%, for 6 months at 6%, for 9 months at 7.5% or at 8% on special conditions for members of the clubs "Carte blanche" and #start. The minimum amount to open an account must be 50.00 bel. rub. Termination of the contract before the prescribed period is not provided. Debit transactions are possible in the range of capitalized interest. 
After notifying the client, the interest rate on a deposit in Belarusbank may be changed at unilaterally.
The minimum amount required to open a deposit is 500.00 bel. rub. You can place funds for 11 months at 9% per annum or for 2 years at 10.5% per annum. In the first case, you can replenish the account throughout the entire period, in the second case - only the first year. In the first case, the depositor receives interest at the end of each month, in the second case - at the end of the contract. The rate may change at the initiative of the financial institution. 
The minimum deposit amount is 150.00 bel. rub. at a rate of 1% per annum. Replenishment of the account under the terms of the contract is not provided, but automatic prolongation of the contract is possible. The retention period for funds is 35 days.
Advantages:
You can put money on a deposit for a period of 95 and 185 days at a rate of 1.5% and 2.5% (rates are not fixed and can be changed by the bank). The deposit amount cannot be less than 150.00 bel. rub. The deposit account can be replenished without restrictions. 
Advantages:
The minimum amount required to open a deposit is 150.00 BYN. rub. Money can be placed for 3 months at 3.2%, for 6 months at 5.2%, for 9 months at 6.9% or at 7.9% within the Velvet club. If the money is placed for a quarter, then the bank offers a fixed rate, in other cases it may change after prior notification of the client.
Advantages:
Each client can calculate the profitability of a deposit in Belarusian rubles in Belarusbank using the calculator posted on the website. To do this, it is necessary to enter data on the deposit amount, currency, deposit term and the name of the deposit into the program.
To draw up a deposit agreement, you must deposit at least 150.00 BYN into your account. rub. There are two accommodation options available:
Features and Benefits:
Rates can be changed at the initiative of the bank.
The deposit amount cannot be less than 100.00 bel. rub. Funds are placed for a period of 12 months at 5.5% per annum. Interest is not capitalized and is paid at the end of the term. 
Peculiarities:
People who have reached retirement age, people who have not reached retirement age, but who are entitled to receive a pension, veterans of the Second World War, can place money on these conditions. After opening a deposit account, a pension will be received on it, in a non-cash manner, on which 0.5% per annum will be accrued.
Advantages:
A deposit in Belarusian rubles of Belarusbank created specifically for orphans and children left without parental care. The minimum amount for placement is 0.01 bel. rub. at 0.5% per annum.
Advantages:
Opening an account under these conditions can only be done by legal guardians or persons who have a legal basis to perform the relevant duties.
Has no shelf life. The minimum amount of placement is 1 bel. rub. under 0.5%. According to the terms of the contract, incoming and outgoing transactions are allowed.
Peculiarities:
It is possible to open an account without depositing cash. Money on the account is placed at 0.5% per annum. The deposit has no fixed terms. Clients can deposit and withdraw funds an unlimited number of times. 
Forward-thinking people prefer to keep available funds in foreign currency. This allows you to get double profit:
In Belarusbank, foreign currency deposits are represented by a wide variety. Consider everything current offers financial institution.
The account can be opened in euros or in US dollars for a period of 3, 6, 12, 18, 23 months. Accruals on an account opened in dollars are 0.8%, 1%, 1.5%, 1.6%, 1.7%. Rates for a deposit in the EU currency - 0.3, 0.35, 0.4, 0.45, 0.5. The minimum amount required to conclude a contract is 100 dollars or 100 euros.
Advantages:
Under the terms of the contract, deposit rates can be adjusted at the initiative of the bank, but after notifying the client about this.
The deposit account is opened in Russian rubles for a period of 3 to 23 months at 2.6%, 3.1%, 3.9%, 3.95%, 4%. The longer the term of the deposit, the higher the offered rate. The amount of the contribution required to conclude the contract is at least 3,000 Russian rubles.
Advantages:
Rates under the agreement are not fixed and may be changed by the bank.
Opening a deposit account is possible in $ and € for a period of 3,6,12,18,23 months. However, the minimum rate for dollar deposit is 1%, and the maximum is 2%. For a euro account, the minimum rate is 0.8%, the maximum is 2%. The longer the term of the deposit, the higher the offered rate.
Peculiarities:
Another deposit of Belarusbank in Russian rubles. It is proposed to place Russian rubles for 3, 6, 12, 18, 23 months. According to the terms, the minimum rate is 4.6%, the maximum is 8% per annum. The initial amount for placement cannot be less than 3,000 Russian rubles.
Advantages:
You can place money on the account for a period of 95 or 185 days at 0.2 and 0.4% per annum. The initial payment cannot be less than 100 $ or €. 
Peculiarities:
The retention period can be 95 days at 2.5% with automatic renewal or 185 days at 3% without renewal. The amount for the down payment must be at least 5000 Russian rubles.
Advantages:
The fixed shelf life is 18 months. The amount of the initial payment cannot be less than 100 $ or €. The rate for the US dollar is 1.1%, the rate for the euro is 0.4%. There is no extension by default.
Peculiarities:
Deposit in Russian currency with a maturity of 1.5 years at a rate of 4% per annum. The rate can be adjusted at the initiative of the bank. The amount required to open an account is 5000 rubles.
Advantages:
You can find out the yield on foreign currency deposits using the deposit calculator in Belarusbank.
The depositor is offered a choice of different periods of storage of funds - 3, 6, 9 months. The rates go up with the retention period. When placing money on the account for 3 months, the depositor receives a rate of 0.5% per annum, when placed for 6 months - 0.8%, for 9 months - 0.9%. In this offer, the placement currency does not affect the rates, they remain the same for both the € account and the $ account. It should be noted that only one rate is fixed - 0.5%, while 0.8% and 0.9% can be adjusted at the initiative of a financial institution, but after prior notification of impending changes to depositors. 
Peculiarities:
You can deposit money into the account for a period of 3, 6, 9 months at 4.5%, 5%, 5.2% per annum. The amount required to open a deposit is 5000 rubles.
Peculiarities:
You can place money on the account for a period of 30 or 36 months. The rates for both dollars and euros are the same. When placing funds for 30 months - 1.6%, for 36 months - 1.8% per annum.
Peculiarities:
The account is opened for keeping funds in the currency of the Russian Federation for a period of 30 or 36 months at the rates of 4.7 and 5% per annum. The minimum amount required to open an account cannot be less than 5,000 rubles.
Peculiarities:
In addition, Belarusbank offers its clients to open a “On Demand” deposit or current accounts in foreign currency. 0.1% per annum is accrued on cash balances on such accounts, and there are no restrictions on income and expenditure transactions.
A bank deposit, or deposit, is money that individual places in a financial institution to increase personal savings and protect them from theft. The profitability of deposits in Minsk banks is determined by the interest rate charged for a certain period of time. In turn, the interest rate depends on the amount and currency of the deposit, as well as its conditions and parameters.
Thus, the contribution may include additional top-ups and auto-renewal, that is, automatic renewal on the same terms that were agreed upon at the conclusion of the contract. This option will come in handy for young parents who decide ahead of time to save money for their child's education abroad. Older people are often interested in the possibility of preferential termination or partial withdrawal of funds without loss of interest. This is usually due to the fact that the money may be needed for immediate medical care.
Because in history financial system There have been crises in Belarus, long-term deposits are most often made in US dollars or euros, and short-term deposits in Belarusian rubles. In the first case, clients get confidence that their savings will not depreciate in the event of a collapse. national currency, and in the second - get more income due to high interest rates.
This page contains offers with current conditions and the most profitable interest rates on deposits that can be opened in Minsk and Belarus. Among the offers are deposits of Absolutbank, Alfa-Bank, MTBank, Priorbank and other financial institutions. Click on the deposit for more details and apply online.
If you decide to use such a service, then you first need to familiarize yourself with its main varieties. The deposits offered by many banks can be:
These are the most popular types of deposits that every client can use. However, it should be remembered that if you decide to put your funds in a certain organization, you must carefully approach its choice.
Experts say that the interest rate today depends on the type of deposit that you decide to choose. Some organizations charge monthly, daily or yearly. Some banks have begun to actively use the capitalization system. It is more profitable.
Some organizations have begun to provide the opportunity to deposit a certain amount of funds and receive their interest tomorrow. This is convenient if you want to spend all the interest at once. This is quite convenient, but you will not be able to withdraw money until the end of the contract. As you can see, in order to increase your profitability, you should use the right service.
Almost all deposits that exist must be insured. Deposit insurance is simply a necessary service that will help to avoid negative consequences in the future. Market banking services is not stable. Therefore, quite often you can find a situation where some banks simply break up. Accordingly, if the money is not insured, then after the collapse of the bank, no one will return it. If your deposit was insured then you will be able to receive the full amount or part of the result of the bankruptcy of the institution. Therefore, do not hesitate and always insure your money.
To make the investment really profitable, you need to study the interest. It is simply impossible to do this without experience, since a lot of different factors influence their formation. Some banks also hide interest. For a thorough study of interest, you just need to use the contribution calculator. It is he who will help determine the amount that can be received in the future. You can find a special calculator after going online.
Now there are many different institutions in which you can leave your contribution. However, not all banks provide quality services and therefore it is impossible to be completely sure that over time it will be impossible to withdraw money. To select a quality organization, many professionals recommend studying the rating of the bank. Remember that if the institution is in a leading position, then it can really be trusted with your funds. If you have already made a choice of a certain bank, then you can begin to draw up an agreement.
Opening a deposit today is not difficult. Everyone can do it. First you need to decide on the institution you trust. After that, you can begin to study its types of contributions. For example, if you liked the currency deposit, as it has the greatest stability, then you can put your money at interest. To do this, contact the bank employees draw up an agreement and transfer your money. At the same time, carefully study the contract, as some banks deceive their customers with an interest rate. To avoid problems, study your contract only with lawyers.
Well-known truth: "Keep money in savings banks." Money "in the mattress" does not guarantee financial security at all, it depreciates and does not work. With proper selection of deposits in Belarus, you can receive a stable income from savings.
Banks of Belarus offer to make deposits in Belarusian rubles and in foreign currency. Interest rates on deposits in Belarusian banks in Belarusian rubles are much higher due to possible devaluation. Keeping money in foreign currency is not so profitable, but the capital will be protected.
Interest on deposits in Belarusian banks for individuals:
The higher the interest rate, the less “convenient” conditions for clients: long-term deposit, no possibility to withdraw funds from the account before the end of the contract, lack of capitalization, etc. Remember that the bank can unilaterally change the interest rate on the deposit if the rate is not fixed. A notification is sent to the client in advance: SMS mailing or notification on email. Do not skip letters from the bank so as not to miss important information.
If you have a large amount of money, it is better to make several deposits in different currencies.
For convenience, bank websites often have an online calculator of possible income from a deposit. If such a calculator is not available, ask the bank employees to calculate individually the monthly or annual benefit so that there is no discrepancy between the bank and your calculations.
In colloquial language, the terms "contribution" and "deposit" are synonymous. In fact, in these terms there is a slight difference in the subject matter of the transaction. The concept of "deposit" includes the transfer of money to the bank, the "deposit" - in addition to money, also securities, precious metals, stocks and more.
In addition to the basic information about the deposit (currency and term of the deposit, interest rate), there is a secondary, but no less important one. On what conditions bank deposits need to pay attention:
Banks have a lot of competition, so everyone is trying to lure a client great deals and non-standard bonuses. Here are the best bank "lures":
From April 1, 2016, to depositors who have made a deposit for a period of less than a year (for Belarusian rubles) or less than two years (for foreign currency), you will have to pay income tax from the interest received (13%). The same applies to depositors who opened long-term deposits, but took the money before the end of one or two years. Details can be found by studying the Decree of the President of the Republic of Belarus No. 7 "On attracting funds to deposits (deposits)".
