Deposits deposit ak bars. AK Bars Bank - deposits. Comparison of deposit programs

AK BARS Bank is one of the largest commercial banks in Russia. This banking institution provides more than 100 types banking services both corporate and private clients. So by the beginning of 2015, AK BARS Bank already has in its client base 3 million private and about 65 thousand corporate clients. To date, the network banking institution represented by more than 35 branches, as well as 250 additional offices and operating cash desks.

AK BARS Bank provides a very advantageous opportunity to increase your savings through deposits. The bank has special deposits for pensioners with a preferential income rate, which increases in proportion to the amount. In addition, it is possible to issue pension contribution on demand, which is very important in the current situation. AK BARS Bank is also very profitable terms on deposits for individuals, while you have the opportunity to remotely manage your deposit online. On our website you can choose maximum interest and rates on deposits that are provided to date. When insured event bank customers are guaranteed to receive a refund on deposits, but not more than 1,400,000 rubles of their total amount per bank.

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Ak Bars Bank offers term deposits in both national and foreign currencies. There is a savings deposit program without the possibility of increasing the principal amount or withdrawing funds in a partial amount. savings deposit with a higher interest rate can be opened as part of a complex product. Program developed savings deposit with the possibility of making additional contributions during the term of the deposit. The client can place an expense savings deposit within the framework of one of the Bank's programs. The Bank also provides an opportunity to issue a termless deposit without limits on the amount.

Features of deposits. Deposit programs of Ak Bars Bank have a number of the following features:

• The interest rate depends on the amount, term of the deposit and the currency in which it is opened;
• Allowances are provided for the interest rate for pensioners, as well as when placing a deposit remotely;
• The payment of accrued interest is carried out at a time at the end of the term or every month with the subsequent transfer of funds to a separate account - at the choice of the client. When making a deposit remotely, interest is paid at the end of the deposit term;
• Both citizens of the Russian Federation and citizens / nationals of any other state, as well as stateless persons and refugees can make a deposit in the Bank;
• There are no restrictions on the maximum deposit amount;
• Prolongation of the deposit is provided after the expiration of its validity on the terms of the primary contract. The number of extensions is not limited;
• The possibility of premature termination of the deposit agreement is allowed, in this case, interest is recalculated at the rate of a termless deposit. Some programs provide for a preferential procedure for early closing of a deposit;
• The depositor can draw up and certify free of charge in the office of the Bank a power of attorney to carry out deposit transactions;
• The Client has the right to draw up a testamentary disposition in the Bank's branch regarding the funds on the deposit account;
• The Client may instruct the Bank to transfer part of the interest accrued on the deposit for charitable purposes.

How to open a deposit? Ak Bars Bank provides the following ways of placing a deposit:

• At a branch of the Bank. The client is required to have an identification document with him, for example, a civil passport, a pension certificate, a serviceman's certificate. You also need a document certifying the fact of registration - if this information is not indicated in the identity document. If available, you must provide the TIN. Aliens and stateless persons submit an identity document and migration card and / or a document confirming the legality of being on the territory of the Russian Federation, for example, a residence permit. Refugees must carry an appropriate identity card;
• Remotely - using the Internet Bank. Available to existing customers of the Bank. When placing a deposit remotely, a higher interest rate applies.

Closing the deposit and withdrawing money. Closing of the deposit is carried out upon demand from the client on the last day of the contract term. Refunds can be made in cash or non-cash form. If the deposit is not claimed, it is auto-prolonged for the same period. Premature closing of the deposit is allowed, while the program may provide for a preferential closing procedure, which implies the preservation of part of the interest. Otherwise, interest is recalculated at the perpetual deposit rate.

AK Bars Bank is a fairly young organization. In a short time, it has gained a leading position in its market segment. Despite the crisis, the decrease in the level of confidence of depositors, the bank was able to attract more than 99 billion rubles. by private individuals.

1. Term deposits - have a certain period of validity. This period is calculated in days, its value can vary from 30 to 1096 days, depending on the selected product. Among the bank's offers, there are those in which interest is accrued monthly, quarterly or at the end of the agreement. The amount of interest can be automatically added to the body of the deposit, increasing the client's income. When choosing a term deposit from AK Bars Bank, pay attention to the possibility of replenishing the deposit or early withdrawal of money. Any term deposit can be issued in rubles, euros or dollars.
2. Demand deposits allow you to use the money at any time. At the same time, you receive a small income. Interest is accrued on the body of the deposit daily and depends on the amount of the deposit.
3. Savings certificates are securities with a specific expiration date. Unlike a deposit, anyone can withdraw it. The interest rate depends on the value of the certificate and its validity period. It is possible to receive money under the certificate before its expiration date. The amount of accrued interest will be calculated in accordance with the minimum demand deposit rate. You can issue a savings certificate only in rubles.

The main requirement for bank depositors is the presence of Russian citizenship, the age of majority and legal capacity.

Interest on deposits in AK Bars Bank

for deposits directly depend on the conditions of the deposit, its duration and amount:

1. You will receive the smallest income when making a demand deposit, the amount of which is about 1000 rubles. It will be 0.1% per annum. In foreign currency, a similar deposit will bring 0.05% per year. Maximum size income of 1.5% per annum can be obtained by selecting the "Cumulative" deposit when the deposit amount exceeds 500 thousand rubles. For the currency, a maximum yield of 0.3% per annum is provided for with a deposit amount of more than 50 thousand dollars.
2. Income by term deposits substantially higher. It depends on the term of the agreement, the amount of the deposit, additional features. For example, the “Multicurrency” deposit will allow you to change its currency during the validity of the contract. It provides an opportunity to increase the amount of the deposit, and will bring you 7.2% per annum. Wherein minimum size the deposit is 10 thousand rubles, 300 dollars or 250 euros.
3. You will receive the maximum income by making a deposit "High result". At the same time, the minimum amount for registration is 10 thousand rubles, 300 dollars or euros. The term of the contract is 372 days, it is possible to replenish the account from 5 thousand rubles. Yield up to 10.7% per annum.
4. Key advantage savings certificate is that the bank does not have the right to change the interest rates on it after the issuance. The minimum income of the certificate is 7.8% per annum. To obtain it, you need to buy a document worth at least 100 thousand rubles. for a period of 93 days. To get 11.3% per annum, you need to buy a certificate worth at least 100 million rubles. for a period of 372 days.

Foreign and domestic rating agencies determined the forecast for the development of AK Bars Bank as stable. This allows you to plan for the medium term. According to experts' forecasts, the deposit rates of AK Bars Bank in 2017 will remain at the current level. When deciding to make a deposit, do not forget that life is constantly making its own adjustments.

If you plan to place a deposit with AK Bars Bank, take into account the recommendations of professionals:

1. Before entering into a contract, determine its purpose. If your task is to get - choose the "High result" deposit, which will provide the maximum rate. If you want to make a gift - stop at a savings certificate.
2. Decide on the deposit currency - given the possibility of a fall in the ruble, it is worth looking at a more stable currency.
3. Choose the term of the deposit - long-term relationships with the bank allow you to get a higher profit. However, premature termination of the contract will not allow you to receive it.

Ak Bars Bank accepts deposits from individuals in 2019 at an interest rate of up to 7.00% per annum in rubles. The bank has four excellent programs for the profitable placement of their savings. This review will be completely devoted to the “products” of the deposit of Ak Bars Bank - we will identify the strengths and weak sides deposits.

It should be noted that all bank deposits are insured by the state, since Ak Bars is included in the register of banks participating in the system compulsory insurance deposits. The state gives a 100% guarantee of the return of a deposit in the amount of up to 1.4 million rubles (or the equivalent of this amount in US dollars or euros) in the event of an insured event (the most common is the selection of a license Central Bank RF).

When choosing a program, you should consider the availability of the options you need. In Ak Bars Bank they are as follows: the possibility of making additional contributions, the possibility of making debit transactions on the deposit, monthly withdrawal of interest (for some depositors this is a very important option), saving a part of the rate in case of early termination of the Agreement.

We note that preferential conditions have been developed for pensioners with higher rates. How to get a preferential rate will be written in detail in the review.

How to open a deposit?

• Contact the bank branch with a Passport (or Pension Certificate);
• Sign the application for opening a deposit;
• Contribute cash to the deposit account in a convenient way.

Along with ruble deposits, Ak Bars Bank has excellent offers of deposits in foreign currency. Maximum bet in US dollars - 1.75% per annum. In euros, the rates are very low - the maximum you can get is 0.10% per annum.

1. Contribution “Just save up”

Super profitable program with the possibility of making additional contributions and monthly withdrawal of interest. The maximum interest rate is 7.00% per annum in rubles (in dollars you can get up to 1.75% per annum). The deposit can be opened in two ways: at the bank's office, or through the "Internet - Bank".

A small minimum opening amount (in total - 10 thousand rubles or 100 dollars / euros) will allow you to use the program for any category of depositors. The minimum amount of additional contributions is not limited.

If you opened a deposit through “Ak Bars Online”, then you can receive interest only at the end of the deposit term. Interest on deposits opened at a bank branch can be withdrawn monthly (every 31 days). Accrued interest can be transferred to the bank card of Ak Bars Bank (at the request of the depositor).

The investor has unique opportunity participation in charity. If desired, funds in the amount of 0.50% of the accrued interest can be transferred to the Ak Bars Creation Charitable Foundation.

Interest rates

How to increase the percentage?

2. Contribution “Just multiply”

An excellent deposit with a full range of various options for a full-fledged deposit. Here there is: replenishment, partial withdrawal, monthly interest payment. The maximum rate in rubles is 6.30% per annum. The only disadvantage of the “Just multiply” program: a very high minimum opening amount (1 million rubles).

The deposit can be opened in one of three currencies: rubles, dollars, or euros. The minimum and maximum amount of replenishment is not limited. Accrued interest can be received monthly on the account bank card(opened in Ak Bars Bank), or pick up at the end of the term. By the way, the payment of interest on deposits that were opened online is carried out only at the end of the term.

Debit transactions on the deposit are possible only up to the “minimum balance”: rubles - up to 1 million, dollars and euros - up to 15 thousand. We note that under the terms of the Agreement, a part of the rate is retained in case of early termination of the deposit (provided that your deposit “lay” on the account for more than 370 days). In this case, they retain: 2.50% per annum - rubles, 0.40% per annum - dollars, and 0.05% per annum - euros. For deposits that have been terminated for a period of up to 370 days, the “Demand” rate is assigned.

The deposit rate depends on the term and amount, as well as on the availability preferential terms increase in interest (see below).

Interest rates in rubles

Interest rates in dollars

The rate in euro does not depend on the term and amount of the deposit, and has a fixed value - 0.10% per annum.

How to increase the percentage?

3. Contribution “Easy to manage”

An excellent program for free and comfortable management of your savings. Pros: a small amount of opening a deposit (only 10 thousand rubles), the possibility of making additional contributions, the possibility of partial withdrawal, monthly withdrawal of interest (optional), saving part of the rate in case of early termination of the Agreement.

The maximum rate in rubles is 6.25% per annum. For those depositors who prefer to keep their savings in foreign currency, it is possible to make a deposit in US dollars or euros.

Partial withdrawal is possible up to 50% of the amount down payment, i.e. up to half of the minimum balance. At the same time, the interest rate remains the same. Early termination for a period of 370 days or more, saves part of the rate (rubles - 2.50% per annum). Early termination for up to 370 days is calculated at the “Demand” rate (the rate “burns out”).

The minimum amount of replenishment is not limited by anything. Additional contributions are accepted throughout the entire period of placement. Accrued interest is paid: either to the card account every 31 days, or at the end of the term, together with the deposit amount.

The deposit has an extension that can be used an unlimited number of times.

Interest rates

How to increase the percentage?

4. Contribution “Just to catch the moment”

Short-term deposit, which is opened for a period of 31 days. The deposit can be extended an unlimited number of times. Advantages of the deposit: a small minimum opening amount, you can get a quick income. Cons of the program: the lowest rate among all the "products" of the bank, the lack of replenishment and partial withdrawal.

In rubles you can get - up to 5.5% per annum. In dollars and euros, the interest is very meager: 0.20% and 0.01% per annum, respectively. Accrued interest can be received monthly (if you want to extend the deposit), or at the end of the term (after 31 days).

How to increase the percentage?

Currently, AK Bars Bank has four offers for deposits of individuals for 2018, with an interest rate in rubles - up to 8.25% per annum. It is worth noting quite comfortable programs and conditions for investors. The choice of products is small, but quite “clear”. All deposits in Ak Bars are insured by the state, with a guarantee of a refund of up to 1.4 million rubles, since the Bank is included in the Register of the compulsory deposit insurance system.

Products have the following options: replenishment, partial withdrawal, partial retention of the rate in case of early termination of the contract, favorable rates in dollars and euros. A deposit can be opened at a bank branch or in the AK Bars Online Service.

How to open a deposit in AK Bars?

• Visit a bank branch with a Passport;
• Sign documents for opening a deposit;
• Deposit money into a bank account.

1. Deposit program “Just save up”

One of the best products of the Bank, with high stakes, the ability to withdraw interest monthly, a low opening threshold, and partial retention of interest upon early termination (only for deposits with a term of 720 days). The deposit can be opened in any of three currencies: rubles, dollars, or euros.

* - the minimum amount and terms of additional contributions are not limited (the maximum replenishment amount is no more than 5 times the size of the initial contribution).

** – in case of early termination of the contract, interest is paid at the “On Demand” rate. If the deposit was opened for 720 days, then starting from the 370th day, in case of early termination, a part of the rate is retained: rubles - 4.00% per annum, dollars - 0.40%, euros - 0.05%. You can choose the method of receiving interest on the deposit yourself: transfer monthly to the card account, or collect the accrued interest at the end of the term.

Interest rates of the deposit “Just save up”

2. Deposit program “Just multiply”

A deposit with a large minimum opening amount, and favorable rates. The minimum amount of the initial contribution is 1 million rubles. If you list the advantages of the program, then there are a lot of them: monthly withdrawal of interest on the card, replenishment, partial withdrawal - in other words, a complete set of options necessary for the investor. Interest is paid at the request of the client: monthly with a transfer to the card account, or at the end of the term (together with the body of the deposit).

The deposit can be opened in any of the three proposed currencies: rubles, dollars, euros. The maximum rate can be obtained for a period of 1 year, and the deposit amount is from 3.5 million rubles (plus use the increased rates - how to get them, see the table below). According to the terms of the agreement, if upon replenishment or partial withdrawal you move to another level of the amount gradation, then the rate for the deposit will change its value to the corresponding level (see table of rates).

* - the minimum and maximum amount of replenishment is not limited.

** – expenditure transactions allowed only up to the “minimum balance” (1 million rubles, 15 thousand dollars - euros).

*** - in case of early withdrawal of the deposit - the rate is recalculated according to the terms of the "On Demand" program. Only for deposits with a term of 720 days, part of the rate remains (the deposit must be opened at least 370 days ago, at the time of early withdrawal): rubles - 4.00%, dollars - 0.40%, and euros - 0.05% per annum .

Interest rates in rubles

Interest rates in dollars

The rate in euros, regardless of the term and amount - 0.10% per annum.

How to increase the deposit rate?

3. Deposit program “Easy to manage”

This deposit provides for the possibility of replenishment and debit transactions. The maximum rate in rubles is 7.50% per annum (subject to “rate improvement”). A small minimum deposit will allow any depositor to open a deposit. Payment of interest at will: to the card account monthly, or at the end of the term.

* - the minimum amount of replenishment is not limited by anything. For the entire period of the deposit, it is allowed to replenish no more than 5 times the value of the initial contribution.

** - debit transactions are allowed, but up to the amount of the "minimum balance" (in this case, the amount of the "minimum balance" must be at least 50% of the amount at the time of opening).

*** - for a period of 720 days (from 370 days of “deposit life”), a preferential rate applies for early termination: 4.00% in rubles, 0.40% in dollars, and 0.05% per annum in euros. In other cases, the rate is recalculated according to the terms of the On Demand program.

Interest rates under the program "Easy to manage"

In this program, the rule of “increasing the bet” also applies (see the conditions in the above programs).

4. Deposit program “Just to catch the moment”

The program is designed for quick receipt profit on a short-term investment (from 31 to 91 days). Rubles can be invested for a period of one month, and subject to an “improvement of the rate”, receive an income of 6.5% per annum. Deposits in foreign currency (dollar and euro) are opened for a period of 91 days. Replenishment and partial withdrawal - the terms of the contract are not provided. Accrued interest can be withdrawn monthly (dollars and euros), or at the end of the term (rubles). You can extend the deposit an unlimited number of times.

Interest rates under the program "Just Seize the Moment"

How to increase the deposit rate?