In 2017 JSC "JSSB Belarusbank" provides an opportunity for its customers to open deposits in foreign currency, among which: US dollar, euro, Russian ruble. Like the bank's product line foreign currency deposits divided into urgent and on demand. See below for details on rates and conditions.
A deposit program that can be purchased by users, . They come off only in dollars and euros. Depositors can buy bonds at any time of the day, and without any fees. The purchase can be made both in foreign currency and in Belarusian rubles. In addition, you will not pay taxes on the profits received, since in fact this is not a standard deposit. You will be charged an interest rate of 3.5% on the amount of bonds.
Standard deposit program which you can open in Russian rubles, dollars or euros. The program comes off without visiting a bank branch, with the help of the Internet banking service of Belarusbank. At your discretion, you can open a deposit from 3 to 23 months, the interest rate will depend on the deposit term you choose. In addition, you will have the opportunity to terminate the deposit ahead of schedule, if necessary.
In dollars or euros 
In Russian rubles
The deposit is completely similar to the previous one, except that it cannot be terminated ahead of schedule. In addition, it will be higher rates.
In dollars or euros 
AT Russian rubles
Under this offer, the possibility of replenishment and premature termination of the contract is available, it opens in foreign currency. There is a possibility of extension, but not more than 2 times. This offer can be issued at a bank branch or representative office.
In dollars or euros 
In Russian rubles
If this offer is opened for more than a year, then the following conditions will apply to you:
In dollars or euros 
In Russian rubles
A standard deposit, which is identical in parameters to a revocable deposit, only without the possibility of early termination. Like the previous one, it opens at bank branches, when a client contacts and submits an application. You will need to have a passport or an identity document with you, always the original.
In dollars or euros 
In Russian rubles
Also, the same deposit can be opened for more than a year, for such deposits, interest rates in 2017 will differ:
In dollars or euros 
In Russian rubles
On demand in foreign currency, only 2 options are available for registration.
You can open such a deposit in foreign currency only in dollars or euros. savings deposit allows you to accumulate funds, and at the same time perform various replenishment, partial or complete withdrawal operations with them. There are no expiration dates in it, it will be valid as long as you have the minimum amount on your account, which is equal to the amount of opening a deposit.
The ability to accumulate funds for holders of current accounts, regardless of the currency of the account, you will receive interest on the balance of funds. You can open it even with zero balance.
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:
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.
In what currency is it more profitable to open a deposit? What now maximum rates on deposits in rubles and in US dollars? What is the minimum amount needed to open a deposit? These and other questions from readers of Komsomolskaya Pravda were answered by specialists of VTB Bank Belarus - head of the development department retail business Olga Atapovich and Deputy Head of the Retail Business Development Department Dmitry Kmit.
“If you open a deposit in rubles, you can get a Visa Gold card for free”
Hello, my name is Natalia. I have 10 thousand dollars, I would like to put them somewhere for a not very long time. What would you advise me?
Do you plan to place money in US dollars?
- This is my second question. I was told that it is better to transfer to Belarusian rubles, it is more profitable ...
If you find it difficult to decide in which currency to deposit money, we usually recommend splitting your savings into several currencies. In this case, exchange rate fluctuations will have an insignificant impact on your savings, and you will definitely not lose. If we talk about terms, then our bank has a fairly wide choice - from 35 days to 3 years. If you open a deposit in US dollars for a period of less than two years, then in accordance with tax legislation Income tax must be paid on income. In the case of Belarusian rubles, this rule works for deposits with a period of less than a year. Therefore, if you do not plan to spend this money in the near future, we would advise you to divide this amount between a ruble deposit for 13 months and a foreign currency deposit for 2 years. Then all the interest income you receive will be tax-free.
- And what will be the rate then?
For irrevocable deposits in Belarusian rubles for 13 months - 12.5% per annum, for two years in US dollars - 3.2% per annum.
If I open a deposit at a certain rate, is there a chance that it may change? And do you have capitalization?
In our bank, the rates for all deposits are fixed for the entire term of the deposit. Change the size of such bets in unilaterally the bank can't. Interest income on deposits - at your choice, you can either add monthly to the principal amount of the deposit, or use this money.
- But for this, probably, you need some kind of bank account to receive them?
Yes, at the time of making a deposit, we open a free current account for all depositors. In addition, until the end of February, our bank runs the promotion "Golden Depositor". Those clients who place an amount of 10 thousand Belarusian rubles on an irrevocable deposit for a period of more than a year are issued a Visa Gold card free of charge. The validity of the card is three years. Visa Gold is not only Bank card, but also the opportunity to use Visa privileges worldwide (discounts, special conditions etc.)
Thanks, that sounds intriguing!
- Hello! What are your conditions for deposits in Belarusian rubles?
Are you interested in deposits with the possibility of early withdrawal? Or you do not plan to withdraw money ahead of time?
- What's better?
Interest rates on irrevocable deposits are much higher. But it must be remembered that, by law, early termination of such deposits can be issued only in exceptional cases and at the discretion of the bank that accepted the deposit.
- How different are the rates?
In our bank, the discrepancy is up to 4.5 percentage points. We now accept revocable deposits in rubles for a period of 95 days to 3 years at a rate of 8% per annum. If the deposit is irrevocable, then the rates start from 9.2% per annum for a period of 35 days. They will be maximum for deposits over a year - 12.5% per annum.
“In order to earn more, it is better to open a deposit in US dollars for at least two years”
Good afternoon! Daughters gave money for their 16th birthday, there are both rubles and foreign currency. What kind of deposit should we open so that by her 18 years this amount will increase? And does everything need to be converted into one currency?
For your case, the deposits of the Duet line, which are opened simultaneously in Belarusian rubles and US dollars, will be optimal. At the moment, the rates on such deposits are among the most interesting among all banks: for Belarusian rubles - 12.5% per annum, for US dollars - 3.5% per annum. You determine the term of deposits yourself: it can be 13 months, 2 or 3 years.
How does this contribution work? Should I deposit the same amounts in rubles and dollars?
Not necessary. The amount in US dollars should not exceed the value of the amount in Belarusian rubles. For example, you place 5,000 Belarusian rubles on the Duet deposit. This means that in US dollars you can place any amount up to 5,000 US dollars for the same period. I note that the deposits are irrevocable, you can withdraw money ahead of time only in case of emergency and in agreement with the bank. At the same time, you will be able to receive monthly interest and use it.
- Thanks!
- I am interested in a contribution in dollars. For what period can it be opened?
We have a fairly diverse range of deposit terms - from 95 days to 3 years. If funds in foreign currency are placed for a period of less than two years, income tax will have to be paid on the interest income. Therefore, it is better that the money in foreign currency lie for more than two years, then you will receive all the interest income that will be accrued on the deposit.
- And what are your currency rates?
The interest rate depends on two factors. The first is the term of the deposit: the longer it is, the higher the rate. The second is the opportunity to withdraw the deposit amount before the expiration date. If we talk about irrevocable deposits from which you cannot unilaterally withdraw money without agreement with the bank, then the rates on them start at 1.5% (95 days) and reach 3.4% (three years). This contribution is called "Window of Opportunity". But you can open a revocable deposit, and then you can contact the bank any day and withdraw the entire amount before the expiration of the contract. But the stakes will no longer be so interesting. For example, if you open a revocable deposit for the same three years, the rate will be only 2% per annum.
What kind of deposit do you have in Belarusian rubles for a sufficiently long time, but for it to be replenishable?
And you may need this money before the end of the term of the deposit?
- I hope to put the money in such a way that you don’t touch it anymore.
Then I will offer you an irrevocable contribution "Window of Opportunity". You can place Belarusian rubles for a period of 13 months, 2 or 3 years at 12.5% per annum. For a 13-month deposit, you will be able to make additional contributions within the first 25 days from the date of registration of the deposit, for a two-year deposit - within the first 360 days, for a three-year ------ within the first 720 days.
What is the minimum amount needed to open a deposit?
The minimum deposit is only 20 rubles. In addition, until the end of February, our bank runs the “Golden Depositor” campaign: when opening an irrevocable deposit in the amount of 10 thousand Belarusian rubles for a period of more than a year, a Visa Gold card is issued free of charge.
- Thanks!
“In order not to lose money on exchange rate differences, it is better to open several deposits in different currencies»
Hello! I want to sell the car in the near future, then I will buy a new one, but not right away. Is it possible in your bank to put this money on a deposit, but in such a way that I can pick it up at any time?
Yes, there is such a possibility. Such deposits are called revocable: the depositor has the right to withdraw the deposit ahead of schedule at any time, and the bank will be obliged to return the money. And for how long would you like to open a deposit and in what currency?
- Probably for three months in Belarusian rubles.
Then the revocable deposit “Window of Opportunity” for three months will be optimal for you, the rate on it will be 8% per annum.
- What needs to be done to open this deposit?
It is enough to come to any branch of the bank with a passport and the amount of money that you want to deposit.
- Tell me, in what currency is it more profitable to open a deposit?
As a rule, rates on deposits in Belarusian rubles are more interesting than rates on deposits in foreign currency. But in the case of fluctuations in exchange rates against each other, there is a certain risk. Therefore, we recommend dividing the amount into several currencies and opening several deposits in different currencies at the same time. For example, for deposits in Belarusian rubles for a period of placement of 13 months, the rate is 12.5% per annum. This is a fixed rate, it is guaranteed to be valid for the entire term of the contract. For deposits in dollars, rates start from 1.5% to 3.4% per annum, depending on the term.
- If I open a deposit with you, can I immediately use the interest?
For all our deposits, interest is transferred to a current account, which is opened by the bank free of charge at the time of signing the contract. You have the right to either use this interest or add it to the principal amount of the deposit during the period when such a possibility is provided for by the terms of the deposit. Then they will also earn income.
- And what will happen after the end of the term of the deposit? Can I somehow automatically renew it?
Upon expiration of the deposit period, the entire amount will be transferred to the same current account. After that, you will be able to choose the best offer for you from the current line of the bank and open new contribution or make a different decision.
Bank contacts: +375 (17, 29, 33) 309 15 15
CJSC Bank VTB (Belarus). UNP 101165625.
It's no secret that everyone has at least one issued loan: many of us are used to living "on credit". However, lately financial literacy The population is growing: we are starting to look for other options for optimizing and replenishing our budget. Currency deposits in Moscow are gaining more and more popularity. By converting savings into foreign currency, they protect against the depreciation of capital, and through the interest paid, they allow you to earn income.
If you decide to open a deposit in foreign currency in Moscow, then do not rush to carry your money to the first bank, which promises a big income at the expense of the most high stakes on deposits in foreign currency. In fact, in order to assess the level of profitability of the deposit, it is necessary to study all the nuances of its functioning:
As a result, foreign currency deposits in Moscow banks should be considered in the aggregate of such conditions as the amount, term and interest that can be received precisely for the fact that the bank has the opportunity to use the amount on the deposit for a certain period. Therefore, the more comfortable the conditions of your multi currency deposit in Moscow or a deposit in one foreign currency for a bank, the higher the interest on deposits in foreign currency you can get.
Accordingly, high interest rates on foreign currency deposits in Moscow imply some restrictions for the client:
For compliance with these conditions, the bank pays the highest interest, but for violation it can reduce the initial rate to the lowest possible. Therefore, carefully evaluate your financial capabilities before opening a deposit.
To open a multi-currency deposit or a deposit in one foreign currency, you will have to spend some time searching and collecting all the necessary information on the options presented on the market (Sberbank, VTB, and almost all banks in Moscow work with deposits in foreign currency).
To find and choose your most profitable option deposits of individuals in foreign currency in Moscow as quickly and effortlessly as possible, use the special online deposit calculators for foreign currency deposits in Moscow. Under your individual requirements, which you enter in the appropriate form, the system will select and display a complete list of suitable deposit options 2020.
As a result, in one place for each current deposit option, you will receive the following information:
You can quickly make the right and informed choice, and then immediately send an online application for a deposit in foreign currency, and proceed to registration.
Deposits in foreign currency of Belarusbank are good opportunity keep your money safely while also having monthly capitalization. It is convenient to open them in foreign currency - deposit rates in 2020 depends on the selected offer in the bank.
Capitalization is calculated depending on the number of days in a month, taking into account the balance, but deducting income tax.
Features of deposits in foreign currency:
Detailed conditions of Belarusbank on which deposits are opened in Belarusian rubles are described.
Foreign currency deposits for individuals offered by Belarusbank according to a different scheme - the name of the program depends on its conditions and a fixed percentage is calculated. AT separate category popularity includes urgent in foreign currency, which, in addition to their security, also have accessibility.
To make a term deposit, you can visit any branch of Belarusbank in Mogilev or Gomel. As well as Can be opened remotely using a reliable service.
Term deposits in foreign currency allow you to significantly increase your own savings. They are concluded for different time periods with a distinction according to the capitalization of interest.
ASB Belarusbank allows you to sell online bonds that are presented as non-cash money on card account.
The main feature of Internet bonds is that they are not issued on hand and there is no need to personally visit a bank branch to purchase them.
Depo account statement is a confirmation for the bondholder. Income on these deposits is not burdened income tax, and the calculation of interest carried out automatically.
Terms of Internet bonds Compared to paper bonds, online bonds differ in advantages:
Useful video:
Deposits of Belarusbank in foreign currency are divided into several interesting categories, which includes "Internet Deposit-Trend Revocable". The deposit is urgent and can be controlled remotely using a payment card.
This deposit is allocated at the expense of such benefits:
Pay attention to the conditions in ros. rubles | Conditions of deposit for return, months | 3 | 6 | 12 | 18 | 23 |
|---|---|---|---|---|---|
| Interest rate in $ currency | 0.8 | 1 | 1.5 | 1.6 | 1.7 |
| % amount for deposits in euros | 0.3 | 0.35 | 0.4 | 0.45 | 0.5 |
| min down payment | 100 $ or euro | ||||
| min lump sum | 10 $ or euro | ||||
| Early termination of the contract | Carried out with the recalculation of the interest rate | ||||
Currency deposit "Internet Deposit-Trend Irrevocable" allows you to manage your savings through the online system. Using a card Belarusbank, you can open a fixed-term irrevocable deposit in foreign currency.
Advantages:
Amount in dollars charged in proportion to the months:
The amount of interest is changed by Belarusbank after unilateral preliminary approval. More accurate information on this and other deposits can be found through a simple dial 147.
What interest should I expect when opening a deposit? It depends on the the term of use of it and from the initially invested amount.
Related video:
The “Classic Revocable up to a year” deposit is characterized by the following:
Features of the deposit in Russian rubles Deposit "Classic Revocable over a year" is intended for the storage of foreign currency within 18 months. His can be replenished and early termination of the contract with percentage recalculation.
Has the following benefits:
Click on the photo to enlarge It is provided by the bank subject to such requirements:
Belarusbank deposit "Classic Irrevocable up to a year" can be opened for 3, 6 or 9 months. It is allowed to make payment transactions, and the balance of unclaimed and capitalized interest will be taken into account. Early return of invested funds can't just(this requires bank permission).
Pros:
Automatic contract renewal not available for this type deposit. Interest accrual depends on the number of months:
Time deposit "Classic Irrevocable over a year" in foreign currency can be issued for a period of 30 or 36 months.
Early return of accumulated funds cannot be carried out without the permission of a financial institution.
Debit transactions are carried out taking into account capitalized balances, so the client does not remain a loser.
Conditions for investing in nat. currency Terms of Use:
Interesting video:
There are also deposits in foreign currency of a special category in Belarusbank, which are called"Poste restante".
Their advantages are as follows:
The Demand deposit can be used by all individuals, starting from the investment of the minimum foreign unit. It is issued for an indefinite period, but the rate for it is not fixed and depends on the duration in years.
The owner of the deposit will benefit both when using it for one year and when using it for more than five years. In regards to the deposit is universal given its significant benefits.
Deposit account “On Demand” is a savings account, which is different unlimited period of storage of foreign currency. Receipt operations can be done unlimited with cash deposit The same goes for spending transactions..
Each savings account in Belarusbank is available for viewing and managing in remote Internet banking systems.
On current accounts of the client, you can store foreign currency in unlimited quantities, accumulating interest. At the same time, restrictions on spending and credit transactions no.
You can open such an account with zero remainder unlike other offers of the bank. It is allowed to withdraw money in cash or by bank transfer, it is also allowed to replenish current account.
An online calculator has been created especially for preliminary calculations, which at any time of the day be able to pre-calculate.
To use the calculator, only three parameters need to be entered:
Today, Belarusbank offers several types of deposits that start from 100 base units in foreign currency or from 1 dollar. Before you stop choosing on a specific banking product, worth considering its advantages and possibilities.
It is possible to open savings accounts in Belarusbank both in rubles and in foreign currency. Along with this, the client can receive noticeable benefits with a long-term registration. When opening some accounts, there is no need to visit a bank branch.
For a general comparison of contributions interest rates can be estimated:
Not hard to see that the rate on deposits in Belarusbank grows in proportion to the period for which it is planned to draw up savings. The rule is followed under the condition that the urgency is not violated, since the size interest rates applies to term bank savings. In accordance with the signed agreement rate may change unilaterally.
The service of Belarusbank will help you to find out the details on the issue of interest through the short dial 147.
