- This is the most common tool for increasing funds. The deposit is easy to register and is a reliable form of savings, since a full refund is guaranteed by the state. Alexander Filippovich, Deputy Chairman of the Board of OJSC Belinvestbank, spoke about the most advantageous offers for placing deposits.

– Alexander Alexandrovich, what can a bank offer today to a client who decides to use deposits to save and increase their personal finances?

– Most recently, Belinvestbank updated its line of deposits, making them even more convenient and accessible. Today we offer our clients the widest range of deposits. Depending on their needs, they can choose a revocable or irrevocable deposit, select a suitable placement period ranging from 3 months to 3 years, as well as the deposit currency - Belarusian rubles, US dollars, euros or Russian rubles.

– Tell us what deposits are currently most in demand among bank clients?

– One of the most popular deposits is irrevocable in Belarusian rubles. Let me emphasize that deposits in national currency are preferred by people of different age categories. The reason for this is its high yield - up to 12.5% ​​per annum, and affordability - the initial payment is only 50 Belarusian rubles. In addition, the deposit can be replenished by any amount over a certain period. If a deposit is opened for a period of up to a year, then the interest on the deposit is capitalized, i.e. are added every month to the principal amount of the deposit, which allows you to increase the overall return on savings. For deposits with a shelf life of one year or more, the depositor is given the opportunity to independently choose the method of interest payment. This may be capitalization or a transfer to the depositor’s account to which the bank card is issued.

– Belinvestbank has a very wide client base. In order to take into account the interests of all customer groups, it is probably necessary to release special products. Is this so and does the bank have “specialty products”?

- Yes, I have. One of them is people with disabilities and retired security forces. Becoming a depositor is easy: all you need to do is deposit only 10 Belarusian rubles. The client can open a revocable or irrevocable deposit at his discretion for a period of 2 years. The annual interest rate on an irrevocable deposit is 12%, on a revocable deposit – 7.55%. And if a pensioner receives a pension into an account opened with our bank, then he is given an additional bonus - an increased rate of 12.5% ​​on an irrevocable deposit and 8.05% on a revocable one.

– What if the client does not have the opportunity to place his savings for a long time, and free money appears for a short period of time? Can Belinvestbank offer something in this case?

- Undoubtedly. Sometimes it is not possible to make long-term investments, even on favorable terms, for various reasons, and simply storing money in the nightstand is not the most suitable option. That's why we developed the "BIBcoin" deposit. What are its advantages? Firstly, the deposit period is 3 months. Secondly, the basic yield is 7.5% per annum and can be increased. Thirdly, the deposit is revocable, i.e. if money is suddenly needed before the end of the storage period, the investor can close it.

In addition, there are a number of pleasant bonuses for the “BIBcoin” deposit:

if the client replenishes the deposit with a total amount of 300 Belarusian rubles and does not withdraw money during the entire storage period, then on the day the deposit expires, the income will be recalculated at an increased rate of 8.05%;

the bank provides the depositor with a unique opportunity to transfer the entire deposit amount along with interest into US dollars or euros at a favorable rate on the expiration date of the deposit;

within a month after closing the “BIBcoin” deposit, you can issue Belinvestbank Visa Classic EMV payWave or Mastercard Standard EMV PayPass cards in US dollars or euros with a 50% discount, Visa Gold EMV payWave or Mastercard Gold EMV PayPass as part of the “VOYAGE GRAND” product with a discount 25%.

– Now all banks are trying to go online, transfer services online... How are things going for you? Do I need to visit the office to make a deposit?

– Belinvestbank is actively working on the digitalization of its services, so clients can register any of the new line of deposits without leaving their home, using the Mobile application.

We strive to make the lives of our clients more convenient, more mobile, simpler; we want them to spend less time on simple banking transactions, so that they can devote more precious minutes to themselves, their family, and their favorite hobby. I am confident that Belinvestbank is on the right track and the loyalty of our clients confirms this.

Belinvestbank was opened in 2001 on the territory of Belarus. During its existence, it was able to take a leading position in the local financial market. Today, this banking institution actively cooperates with both private investors and representatives of large, medium and small businesses.

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It is worth noting that not only local residents, but also citizens of foreign countries (USA, CIS, Europe) can become clients of this financial organization.

Belinvestbank has long established cooperation with the largest foreign banks and financial corporations, thanks to which it carries out all types of international payments without interruption.

Clients of this institution, whose number exceeds 1,200,000 people, are under the influence of the state program for the protection of private deposits.

Conditions

The management of this financial institution regularly presents new deposit programs in Russian and Belarusian rubles, American dollars and euros, developed specifically for individuals.

Deposits with Belinvestbank are opened under the following conditions:

• the deposit amount cannot be less than the established minimum;
• the deposit can be in both national and foreign currency;

• both residents of Belarus and citizens of other states, as well as individuals living in this country with refugee status can take part in the deposit program;

• You can open a deposit for third parties;
• To draw up a deposit agreement, you must provide the bank with a standard package of documentation;
• You can replenish deposits at any branch of Belinvestbank (financial transactions can be carried out not only by private depositors, but also by third parties);
• some programs allow capitalization of interest;

• when replenishing a deposit with an amount exceeding 1,000 basic units, the person conducting the financial transaction is required to present an identification document to the cashier;

• if necessary, individuals can terminate the deposit agreement early or partially withdraw their savings, etc.

How to open?

To become a regular client of Belinvestbank, an individual must personally visit its nearest branch.

In advance, a private investor can contact the Contact Center and receive answers to all questions asked over the phone.

During a visit to a given financial institution, an individual must provide a bank employee with an official document to identify his or her identity.

A Belinvestbank representative will tell the client in detail about each deposit product and help him choose the most suitable program for him.

Data from the personal documents of an individual will be used by a representative of the financial institution when drawing up deposit documentation. The deposit will be opened after the parties sign the agreement and deposit funds into the bank cash desk.

Deposit line

Currently, not only residents of Belarus can take advantage of Belinvestbank’s deposit offers.

Branches of this financial institution are also open in Poland.

Banking products that are developed specifically for private investors differ significantly from similar programs presented on the domestic financial market, both in terms of interest rates and more favorable conditions.

Name of the deposit product (designed for individuals)	Russian— cues rubles	Ameri— Canadian dollars	Euro	Belorussian rubles
Time bank deposit (there is a right of demand)	from 150	from 5	from 5	—
Personal choice	from 5 000	from 200	from 200	from 500,000
Universal	—	—	—	from 50 000
Special	—	—	—	from 50 000
Term bank deposit	from 150	from 5	from 5	from 50 000
Great	from 150	from 5	from 5	from 50 000
Pension	—	—	—	from 50 000

Belinvestbank deposits for individuals

Residents of Belarus can apply for any of the presented deposit products (in national currency) at Belinvestbank:

1. Personal choice. The maximum validity period of this deposit is 36 months.
   

   The interest rate can reach 30.00%. Individuals can replenish their deposits.

   Partial withdrawal is prohibited, but early termination of the deposit agreement is permitted.

2. Urgent (irrevocable). The validity period of this deposit program can range from 3 to 36 months.
   

   Depositors can top up their deposits, on which interest can reach 30.00%.

3. Urgent (revocable). The interest rate on this deposit usually does not exceed 25.00%; replenishment and early termination of the agreement are allowed. The deposit period can be up to 36 months. Partial withdrawals are prohibited.
4. Pension. This deposit program is designed specifically for older people.
   

   It has a fairly high interest rate: 24.00%.

   Partial withdrawals are not allowed; interest is capitalized. Pensioners can make investments for a period not exceeding 24 months.

5. Urgent (irrevocable). The interest rate on this deposit can reach 28.00%. The deposit period does not exceed 12 months. There is capitalization of interest.
6. Urgent (Cumulative plus). Individuals can invest their funds for 12 months at high interest rates - 25.00%.
   

   Replenishment and partial withdrawal of money are not allowed, capitalization of interest is allowed, the amount of the down payment must be no less 1,000,000 Belarusian rubles.

Foreign currency deposits

Belinvestbank offers private investors a line of deposits that are opened in foreign currency:

1. Personal choice. This deposit product can be issued for a period from 3 to 36 months. The bank accepts private investments in Russian rubles, euros and US dollars.
   

   The interest rate for this program ranges from 5.00% to 9.00%.

   The deposit can be replenished without restrictions, partial withdrawals and early termination of the agreement are not allowed, interest is accrued monthly.

2. Urgent (there is a right of demand). This type of deposit is issued for 36 months at fairly high interest rates: from 4.00% to 8.00%.
   

   The deposit is opened in rubles, dollars and euros. The deposit can be replenished, interest is capitalized, and early withdrawal of money is possible.

3. Urgent (irrevocable). The deposit product can be placed for a period from 3 to 36 months. Both Russian rubles, euros and American dollars are accepted from individuals. The interest rate can reach 9.00%.
4. Urgent (Cumulative plus).
   

   This deposit is made in rubles, euros and dollars. The deposit term can be up to 24 months.

   The interest rate is set at 3.00% and does not change.

Want to know how to spend it? From our article, you will be able to identify for yourself the main conditions and requirements of the bank, and also find all the information on interest rates.

If you are interested in the state program for refinancing mortgage loans, then you just need to go to the next one.

Interest rates

Today, Belinvestbank sets the highest interest rates on deposit products intended for private investors.

They range in the following ranges:

• in Belarusian rubles – from 22.00% to 42.00%;
• in Russian rubles – from 4.70% to 8.00%;
• in US dollars – from 3.80% to 5.30%;
• in euros – from 3.80% to 5.30%.

Belinvestbank calculates interest on deposits on the last working day of the month. Their calculation is carried out based on the balances of funds in deposit accounts.

Requirements for depositors

Belinvestbank is quite loyal to all categories of depositors and does not put impossible demands on them.

In order to successfully, from a financial point of view, cooperate with this financial institution for many years, private investors need to meet the following criteria:

• reach (at the time of contacting the bank branch) the age of majority;

• have documents by which their identity can be identified (they must be issued by the competent authorities);

• collect a certain amount of money in the currency of your country, or other states, etc.

Documentation

To register a deposit program at Belinvestbank, individuals need to collect a standard package of documentation.

List of documents required for a private investor to place their savings:

• passport with a mark on Belarusian citizenship;
• if a resident of another state takes part in the deposit program, then he must provide a passport obtained in his country, as well as a residence permit;

• if a private investor lives on the territory of Belarus with refugee status, then he needs to present the appropriate identification;

• if an individual who does not have Belarusian citizenship wishes to open a deposit, then he must provide an identity card that was issued to him by the authorized bodies;

• additional documents that may be provided for by the terms of the deposit product;

• If a bank client opens a deposit program in favor of a third party, then in addition to his official documents, he must present data from the passport of the person in whose name the money will be deposited.

Is it possible to withdraw money early?

Belinvestbank allows private investors to partially withdraw money from their deposits. To do this, they just need to personally visit any branch of this financial institution and contact a specialist.

Belinvestbank was created in connection with the merger of Belbusinessbank and the Belarusian Development Bank in 2001. and is an investment for financing various programs, incl. state

Belinvestbank deposits

The bank is authorized by the state to accumulate investment resources, service credit projects of foreign investors and invest funds in areas that are most effective for the development of the country's economy.

Belinvestbank deposits - opening conditions

Proposed Belinvestbank deposits for citizens of the country they have two types: in national and foreign currency. You can open an account at any branch of the bank; to do this, you will need to present an identification document, which can be:

• passport;
• resident card;
• refugee certificate.

It is also possible to open a deposit in the name of another person, but in this case it is necessary, in addition to his passport data, to present his passport and a notarized power of attorney to carry out this operation.

Belinvestbank

If you need to make additional deposits, you must also present identification documents. A third party can replenish a deposit in Belarusian rubles, but only the account owner can replenish a foreign currency deposit.

Deposits in Belarusian rubles – Belinvestbank

Optimal and preferential programs of Belinvestbank for deposits in Belarusian rubles.

To generate income from interest accrual at a set rate, many programs are offered for deposits in Belarusian rubles in Belinvestbank. The best option is Personal Choice, which provides the following conditions and bonus incentives:

• The invoice amount is from 500 thousand Belarusian rubles.
• Duration: 1-3 years.
• The rate is 24-28%. The minimum percentage is for a deposit for a period of 1 year and with a 90% partial withdrawal condition, and the maximum is for 3 years and a 10% withdrawal.
• Possibility to withdraw funds - in the amount of 10%, 50% 90% (determined by the client).
• Accruals - on the card or by capitalization (at the depositor's choice). The card is issued by the bank free of charge.
• Close an account early - the rate is calculated according to the established tariff for the Belarusian ruble.
• Bonus - accrued if funds have not been withdrawn from the account for 3-12 months and range from +0.2 to +0.8% to the bank rate. If such operations were not carried out during the entire period, 1% is added to the rate.
• Additional bonus from Belinvestbank- is due if there is a certain average daily amount on the account - from 20 to 100 million rubles (from 0.5% to 1.5% is added to the rate).

Belinvestbank - deposits in Belarusian rubles

This program provides preferential bonuses for pensioners, disabled people and children who receive social benefits for the loss of a breadwinner). They are expressed in a higher rate by adding 0.3% to the specified term and selected conditions.

Deposits in Belinvestbank for pensioners and persons receiving a pension legally are carried out under the Pension program. To open an account for 2 years, you will need to present this certificate and deposit funds from 50 thousand Belarusian rubles. Interest is charged at a rate of 30%, which accumulates on the account. You can withdraw money no more than twice a month (except for the initial amount), and you can supplement the balance with any amount and without any time limit. If it becomes necessary to close the deposit before the end of two years, interest is calculated in two ways:

• at the account rate, if less than 3 months have passed since its opening;
• according to the terms of the contract, if from 3 months.

Belinvestbank: programs in national currency and deposit calculator.

You can choose the best option for private deposits by calculating the expected rate of return on the property in Belinvestbank deposit calculator from the following programs:

• Special.

Deposit in the amount of 500 thousand Belarusian rubles, rate of 25% for a period of 18 months. You can make replenishments without restrictions. Income at the rate is paid every month to the client’s card or account.

• Great.

The amount of the first deposit to the account is from 50 thousand Belarusian rubles. You can add funds only in the first month. The rate is not static, accruals occur from 32% for the 1st month to 20% for the 6th and are sent to the client’s account monthly. Partial withdrawals are not eligible for this program.

Belinvestbank - deposit calculator

• Calculating.

An account is opened for a similar amount, the period is determined from 3 to 12 months, without the possibility of replenishment. A distinctive feature of the program is the accrual of income at the refinancing rate of the National Bank of the Republic of Belarus, the amounts are transferred monthly to the depositor’s account, the calculation can be made using a deposit calculator.

• Urgent.

Provides for the calculation of interest from 30% if a period of 3 months is selected and up to 28% for 60 months and is valid when depositing a minimum of 50 thousand Belarusian rubles into the account, without the ability to deposit additional funds. Charges are sent to your account or card.

• Universal.

When depositing the same amount for a period of 2 years, income is accrued at a rate of 25%. It is possible to add additional amounts without restrictions, and accruals are capitalized, so partial withdrawals are not allowed. You can use the services of a loan calculator on our website.

Deposit programs in foreign currency.

Offered in Belinvestbank foreign currency deposits are divided into the following areas:

• Personal choice.

To make a deposit in dollars, you must deposit an amount of 200 USD. for a period from 1 to 3 years. Depending on the conditions of partial withdrawal of funds, the percentage of which is determined by the client and the validity period, the rate varies - from 4.5% to 5.5%. For deposits in euros, the rate is determined from 7% to 9%. The conditions for depositing and withdrawing money correspond to a similar program in national currency. Bonuses are also provided.

• Great.

The first deposit is from 5 dollars (euro), term - 1-6 months. You can top up funds only in the first month. Interest is redirected to the account, and their amount varies depending on the length of the period - from 3.5% for the 1st month to 5.0% for the 6th.

Openable in Belinvestbank deposits in foreign currency may also include deposits in Russian rubles. The following types are distinguished in this category:

• Cumulative.

A distinctive feature is the impossibility of withdrawing money before the end of the agreed period, and interest income is accumulated in the account. The program requires 5 dollars (euro) or 150 Russian rubles. Rates vary between 4.2-5.0% for foreign currency deposits and 5.0-8.0% for Russian ones, as they depend on the chosen period (3 months - 2 years).

• Urgent.

Provides for an initial amount corresponding to the previous program, periods selected in the range of 3-60 months. Rates can be 5-9% for Russian, 4.2-5.5 for foreign currency deposits (the amount depends on the period) and are added to the amount in the account. After six months, they can be transferred to the card.

Belinvestbank deposits in foreign currency

• Urgent with right of demand.

You can open an account under this program by depositing currency in the amount of at least 5 dollars (euros) or 150 Russian rubles, with the possibility of unlimited replenishment. The rate is in the range of 4.8-5% for foreign currency and 7-9% for deposits in rubles. You can close your deposit early. In this case, the interest will be updated at the invoice rate (if less than 3 months have passed out of the required 2 years) or at the contract rate (from 3 months).