One of the effective ways to preserve and increase your own Money is a deposit. Money is transferred to a certain account, after a certain period of time it is returned to the client with interest. The opportunities offered by Belagroprombank are interesting, the deposits of this financial organization varied. Each client will find the type of deposit that seems most convenient to him.
Before proceeding to the consideration of possible types of deposits, it is necessary to determine the main parameters that determine the structure of each deposit. It depends on how convenient this or that deposit is, what risks it carries, whether it satisfies his plans.
Among these options:
These moments constitute the main conditions of each deposit. They need to be clarified before the money is invested in order to avoid misunderstandings and unforeseen consequences in the future.
Deposit “Growth line 3.0. Up to a year." You can choose one of four monetary units: Belarusian ruble, Russian Federation, euro, US dollar.
The term for which the agreement is drawn up is thirty-five, ninety-five, one hundred and eighty-five and two hundred and eighty days.
Key parameters:
Cash in the form of accrued interest is paid on a monthly basis. Partial early receipt of money is not allowed. The possibility of replenishment is realized on the condition that at least thirty-five calendar days remain before the expiration date of the deposit.
General replenishment conditions:
Automatic renewal is possible only if the deposit is open for a period of thirty-five or ninety-five days. The interest rate is fixed on the renewal date. The term of the deposit without the participation of the client is extended eight times, provided that it is open for thirty-five days, and two times, if it is open for ninety-five days.
An extension of an agreement concluded for 185 or 280 days is not provided.
Depositors are offered the deposit “Growth Line 3.0. Over a year." You can use it in one of four monetary units: Belarusian ruble, Russian Federation, euro, US dollar.
It is possible to open for a period of 370, 735, 1. 110 calendar days.
Key parameters:
Interest is calculated and paid on a monthly basis. This option does not depend on the term of opening the deposit. Partial early withdrawal of the invested amount is not allowed. The possibility of depositing funds is realized on the condition that at least thirty-five calendar days remain until the expiration date of the deposit.
The opportunity to replenish the deposit amount with additional funds is provided only if it is open for a period of 735 and 1.110 calendar days.
For a deposit with a validity period of 735 days, contributions are accepted only during the first year. For a deposit opened for 1,110 days, in the first 740 calendar days.
In order to open a deposit, you must deposit a certain minimum amount. Its size depends on the currency, is:
Automatic renewal of the deposit is not expected. After the expiration of the agreement, the funds are transferred to the account "On Demand". From the moment of transfer, interest is accrued at the rates valid for this type of deposit.
At first glance, the “@gro” contribution is similar in structure to the “Growth Line 3.0. Up to a year." However, if we consider it in monetary terms, it differs significantly from this deposit.
Main differences:
Key parameters:
The peculiarity of the deposit is that it can only be opened in the monetary unit of the account that the potential depositor already has. A bank card is usually attached to it.
The possibility of replenishment is realized on the condition that at least thirty-five calendar days remain until the day the deposit agreement expires.
The general replenishment conditions are as follows:
It differs from the previous one in the possibility of receiving accrued interest before the date until which the deposit is valid. No refill option.
Key parameters:
A deposit can only be opened in the currency of the account that the client already has and to which the bank card is linked.
The "Standard" option is urgent and irrevocable. The agreement on opening a deposit is concluded in Belarusian and Russian rubles, euros, dollars. It is possible to open it for 95, 185, 370, 735, 1.110 calendar days. Variable and fixed rates are used.
Key parameters:
The Bank provides for the possibility of opening this type of deposit for two different periods. They depend on the currency:
Key parameters:
The possibility of replenishment and early withdrawal is not provided.
Interest is calculated every month. Paid either monthly or with the principal amount.
The advantage of this type of deposit is that you can use the deposited money, observing only the daily limit, as well as the amount of the minimum balance.
The agreement provides an opportunity to replenish the account with any amount, but only through bank card. Payments listed as wage, alimony, replenishment are not considered.
There is a possibility to terminate the contract ahead of time. However, there is a restriction - this should be done no earlier than forty-five days from the date of the application.
Monetary units used to open a deposit:
Key parameters:
The account is linked to the depositor's card. Release options additional card does not exist.
Any client has the opportunity to use the "On Demand" deposit. The conditions do not imply restrictions on the time of receiving and depositing money.
The rate per year is the same for any currency: the Belarusian ruble, the Russian Federation, the US dollar, the euro. It is 0.1%.
Especially for pensioners and people who receive benefits, Belagroprombank offers the “Care” deposit.
Key parameters:
Key parameters pension deposit are similar to the terms of "On Demand", however, it opens only in one monetary unit - the ruble, Belarus.
Interest rate – 0.1%/year. Time is not limited. Interest is calculated monthly. There are no restrictions on withdrawing money and adding it to the account.
Provided that the deposit parameters provide for the possibility of replenishment, it is important to know how it can be used.
Belagroprombank provides 3 ways to replenish:
To make a transfer, you must have information about the full name of the account holder, its number, details of the bank branch in which the deposit opening agreement was concluded.
Payment of interest, if this possibility is provided for by the deposit, and the principal amount is made in cash through the bank's cash desk, by bank transfer to an account agreed by the parties.
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 the 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.
It's urgent irrevocable 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 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 withdrawal of funds is not allowed. 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.
Agroprombank, which began its history in 1990, is currently one of the leading banking companies in Pridnestrovie. This high-tech organization provides quality Financial services both individuals and representatives of small, medium and large businesses.
In a bank, you can not only take a loan at an attractive rate, but also profitably place available funds on deposit accounts good interest arrived. The presented material is devoted to a detailed review of all types of deposits in Agroprombank in 2019.
Agroprombank offers consumers profitable deposits in four types of currencies:
Consider the current deposit offers and conditions for them:
Target deposit- has an attractive interest rate and monthly capitalization percent:
Deposit "Comfortable" with an opportunity partial withdrawal finance (up to 30% of the initial investment amount):
Savings account "STRATEG" — Better conditions and the maximum result:
Deposit "Targeted":
"Comfortable":
Deposit "Strategist":
The amount of profit on deposits of Agroprombank depends on the period of placement of money in the account and the amount of the deposit. The longer the placement period and the size of the investment, the higher the interest rate.
Registered clients (persons who have any bank loan products, are payroll clients or already have a deposit account) can use the convenient Agroprombank Internet banking tool to open a deposit. The whole process of opening through a personal virtual office consists of several steps:
New customers of the bank can conclude an agreement on the placement of funds in any nearest branch financial company. They will also offer to fill out a questionnaire for registering Internet banking.
To close a deposit, a registered user only needs to:
It is also fashionable to terminate the deposit through the nearest branch of Agroprombank by writing an application and providing details for transferring funds (you can receive a cash deposit at the cash desk).
For the convenience of consumers, the organization has developed a mechanism for automatic renewal of the deposit. In the event that the client forgot to renew the contract and did not withdraw his funds on time, they are transferred to the depositor's account and stored there for 10 days. If during this time the deposit is not claimed, the money is again credited to savings deposit and there is a set of interest according to the standard scheme.
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 monetary 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, which 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 Ruble 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 . Institution for individuals offers special programs with additional features.
"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 of 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 transactions which is very convenient for citizens.
