"Pochta Bank", despite the rather short period of existence of the institution, today are implemented in the same way profitable terms both for depositors and loan borrowers. That is why the popularity of PJSC is growing every day. And today we will try to figure out what interest rates Pochta Bank offers its clients on deposits and loans.

What are the interest rates at Pochta Bank on deposits?

In an institution created with the support of the VTB Group and Russian Post, clients applying for investments own funds to deposit accounts can count on service under one of three offers. They received the following names:

1. "Capital".
2. "Cumulative".

All these contributions have both General characteristics, as well as significant differences that relate not only to interest rates, but also to other service conditions. We have already reviewed in more detail information about each of the available contributions as part of other thematic entries on the site.

As for what interest rates on deposits are available to clients, they look like this:

• For the “Profitable” deposit, bank clients can expect to receive up to 8.5% per annum;
• Under the “Accumulative” deposit, investors of the institution have the opportunity to increase their capital by 8.56% per annum with the capitalization of interest in the total amount of the deposit;
• The “capital” option offers investors the highest profit, the coefficient of which can reach 9.5% per annum.

What are the interest rates on loans at Pochta Bank?

Of course, information on interest rates must also be considered for credit offers, of which the Russian Post Bank has noticeably more than deposit ones.

First of all, perhaps, it is necessary to pay attention to the questions of what percentage Pochta Bank offers for consumer loan. Today, the characteristics of consumer loans include two offers from PJSC:

1. “Simply Credit”, which is available for receipt in bank branches in cash. Within its framework, clients can obtain a loan at an interest rate of 34.5% per annum. It is important to emphasize that the rate coefficient is determined individually for each client of the institution.
2. “First Postal” loan, with a rate starting at 16.9 percent. However, in this case, it is formed individually, and such low percentage available only when the “Guaranteed Rate” service is activated. The terms of the loan agreement, in turn, stipulate three interest rates, determined individually:

• 19.9% ​​per annum;
• 24.9% per annum;
• 29.5% per annum.

If speak about corporate clients Russian Post Bank, then the organization also provides such borrowers with the opportunity to receive deposits under interest rate 16.9% per annum subject to using the “Guaranteed Rate” service. However, the terms of credit loans specify a rate that is determined individually and is available in the same three options as for consumer lending:

• 19.9% ​​per annum;
• 24.9% per annum;
• 29.5% per annum.

As for the question of what percentage is available to pensioners planning to take out a loan from Post Bank, the interest rates are different for different tariff plans:

• When applying for a loan under the terms of the “Simply Credit” tariff, pensioners can count on a rate of 34.5% per annum;
• When signing an agreement within the framework of the “Preferential” package, the rate is determined individually and can be 19.9, 24.9 and 29.6% per annum;
• For clients applying for a loan under the terms of the “Preferential Special” loan, the rate is also regulated individually and can be 16.9, 19.9 and 24.9% per annum.

Finally, we only need to consider at what interest rate Pochta Bank gives an education loan. And here only one is available to clients tariff plan, called “Knowledge-Power”. Its terms and conditions stipulate a base loan rate of 27.9% per annum. However, this rate can be reduced to 14.9% per annum if the client enters into a loan protection insurance agreement.

Deposits individuals in Pochta Bank today they allow you not only to save for current expenses, but also to receive additional income. Savings are insured according to federal legislation Russia. The deposit is being processed only in rubles. Currency accounts not supported.

Deposits for individuals in Pochta Bank for 2019 - types and percentages

Deposits of individuals for 2019 in Post Bank are represented by five deposit offers - “Capital”, “Accumulative”, “Postal”, “ Good year", "Profitable".

General terms opening a deposit

A savings account is opened together with the deposit account. When it is replenished available up to 6% per year additionally. Issued with him free card World.

If cooperation is terminated before the agreed date, you must fill out a statement at the bank or service point. In this case, the interest will be reduced to 0.1% from the beginning of the deposit until the termination dates.

Upon completion on time, the money is transferred to the savings account. After this the investor has the right to withdraw and transfer money.

Deposit "Capital"

Subject to special conditions, the deposit allows you to receive up to 7.75% annually. This privilege is available to retired people, as well as users who have opened an account through a mobile or Internet service.

The client receives interest accruals at the end of the term deposit account.

Deposit "Accumulative"

This deposit account is suitable for retirees. Hosted for 12 months. Enough to open 5 thousand rubles., maximum percentage 7.25%. The client receives interest accruals after three months.

Pay attention to the timing of deposit replenishment

There are no restrictions on replenishing the deposit account. It can also be close early, saving accrued interest.

Special rules interest accruals apply if:

1. Pension payments and/or wages of the investor come to the account at Post Bank.
2. The client made a deposit using mobile/internet banking.

Deposit "Post"

The minimum deposit account for 50 thousand rubles is issued in post offices. It is possible to make less funds, But annual interest will be 0.1. Duration of placement - six months and a year. Until the end of 2018, a deposit account for a year does not open.

The service user will receive interest on the end day deposit. The bank provides for capitalization, i.e. adding interest payments to the body of the deposit. In case of early closure deposit rate will be 0.10%.

“Good Year” contribution

To open you need 50 thousand rubles. for 367 days, annual percentage 7.8.

Accrued payments are capitalized on the last day, and the account can be replenished by the depositor in the first ten days.

Note! This promotion for the deposit offer is valid until 01/10/2019.

Deposit "Profitable"

The peculiarity of this contribution is the impressive size of the investment - 500 thousand rubles. A deposit account is issued for a year with a rate of 7.10% together with a savings account and a Mir card. Interest payments client receives monthly.

Comparison of Post Bank deposits

Deposits from individuals in 2019 to Post Bank allow you to manage money and accumulate savings. Deposits for individuals are insured and kept in Russian currency.

All deposits give the client the right to add money and receive interest after early termination. The main difference are deposit rates.

Deposits for individuals in Pochta Bank for 2018 - interest, investment terms and required minimum amounts
	Capital	Good year	Profitable	Cumulative	Mail
Posting period	181, 367, 546 days	367 days	367	367	181, 367
How much is needed to open an account?	50 thousand rubles.	50 thousand rubles.	500000	5 thousand rubles.	50 thousand rubles.
The largest % on a deposit excluding benefits	7,50 %	7,8 %	7,10 %	7,0%	7,30%
Available top-up operations	In the first decade	In the first decade	In the first decade	All term	In the first decade
When is interest paid?	Upon completion of the deposit period	Upon completion of the deposit period	Every month on savings account	Quarterly payment with capitalization	Upon completion of the deposit period

Special conditions for investors

A deposit on special terms is an increase in the base percentage by 0.25% issued for:

• Phys. persons on the “Pension” tariff, i.e. receiving pension payments at Post Bank.
• Depositors who used online banking to make a deposit.

The surcharge is valid For deposit accounts:

1. "Capital".
2. "Profitable".
3. "Cumulative".
4. "Mail".

On the "Good Year" account no surcharge.

Deposit calculator for individuals

Will be able to determine the level of profitability of a deposit account online service, which the official website offers.

In the calculation form of the calculator depending on the selected deposit you need to enter:

• The amount which is planned put on deposit.
• Placement time.
• Indicate whether the deposit will be replenished.

Deposit amount

Interest rate (%)

Deposit term (months)

Monthly interest

reinvested withdrawn

Service calculations do not provide the final version, therefore further consultation should be sought With bank employee or contact the hotline 8 800 550 07 70.

How to open a deposit for individuals in Post Bank?

If the investor not serviced in a financial institution earlier, then for registration you need:

1. Come to the client center. Addresses of branches should be looked at on the official resource on the Internet.
2. Present identification document citizen of Russia and indicate your mobile number.
3. Complete an application and open a savings account.
4. Select view deposit account.
5. Top up your deposit account balance through an ATM or online banking service.

Opening a deposit account through Mobile bank

Depositor already using banking services Post Bank has the ability to conduct all deposit transactions online. Along with this, the standard percentage will be promoted by 0.25%.

How to top up your deposit?

In 2019, additional deposits of money are allowed to all Post Bank deposit accounts. But for everyone except the “Accumulative” deposit there is a limitation to increase the account balance in the first ten days after registration. Deposit “Accumulative” give a chance increase the deposit body the entire term.

Replenishment options using Internet banking

After registration, the client receives a local card, which allows transactions only within the system of the bank that issued this card. PIN code for operations sent via SMS to contact number depositor. Deposit is open after the client has deposited money at the ATM and received a check.

You can also top up your deposit using an interbank transfer, an ATM not only of Post Bank, but also of VTB and through Personal Area Internet banking.

This is what banking information looks like

SMS notification

The bank informs the depositor via SMS messages:

• About percentage changes.
• About the possibility of increasing the deposit rate.
• About replenishing your account.

Cost of notification via SMS is 49 rubles.

Cash withdrawal

Today, withdrawal of funds from a deposit before the official expiration of the deposit is prohibited in all proposals for deposits of individuals in Post Bank for 2019.

At the end of using the deposit account, the money is transferred to the savings account and can be withdrawn or transferred.

If the client urgently needs money, posted on deposit account, you should contact the financial institution, fill out an application, and the account will be closed, but the percentage will be less.

Savings account at Post Bank for individuals

A bank savings account is issued upon receipt wages, pension accruals, as well as when making a deposit.

From savings account can be removed part of the amount, and minimum balance receive interest that depends on the amount of the balance. So 3% for the “Basic” tariff, if minimum balance from 1000 to 50 thousand rubles.

The maximum rate of 6% is set for clients with a maximum balance of 50,000 rubles who are on the “Salary”, “Pension” and “Salary Pensioner” tariffs.

An unnamed Mir card is attached to the savings account. To issue a personalized card need to do paid order to home address or customer center.

Insurance of deposits of individuals in Post Bank

Today, deposit accounts are subject to insurance according to 177 Federal law Russia. If, for example, bankruptcy or revocation of a license occurs, then the client is reimbursed 100% of the amount, but not more RUB 1,400,000

Deposits are insured but important, how much are the total deposits of one client in one banking institution.

This is due to the fact that for all savings the refund will be paid, but the total amount will be no more than the above. Payment will be made in proportion to their volumes.

Advantages and disadvantages

Post Bank has deposit accounts with:

1. Possibility to replenish.
2. The right to early closure of the account.
3. Different frequency of interest payments.

When opening a deposit, you need to determine its purpose and weigh all the advantages and disadvantages to obtain the greatest benefit.

The advantages of deposits for individuals in Post Bank include:

• Low risk of losing money, as deposits are insured.
• Different initial investments and duration of deposits.
• Registration of a savings account followed by accrual of interest.
• Supplement to standard rate.

Indicators for the current year

The disadvantages are:

1. Small interest and profitability is not high enough.
2. None time deposits(for 3 months).
3. Lack of deposits for individuals V foreign currency .

PJSC "Post Bank" during its existence, which, admittedly, is not so impressive, managed to gain enormous popularity. It is noteworthy that the institution is in demand not only among credit clients, who drew attention to the very favorable rates offered to them by the bank, but also from investors who want to open a deposit account, thereby earning money on interest. But Pochta Bank offers its clients favorable interest rates on deposits.

Today, as part of our article, we want to carefully analyze information about what conditions the Russian Post Bank offers for deposits in 2019.

Deposits from Pochta Bank today

Today, a deposit deposit is perhaps the most reliable and sure way to increase your capital. Of course, the level of its increase directly depends on the interest rate offered by the bank, and the level of reliability, accordingly, the reliability financial institution, acting as a partner when opening a deposit account.

If we talk about the Russian Post Bank, then in 2019 it offers individuals a fairly wide range of deposits that have quite favorable conditions, allowing you not to worry about the fact that your personal savings are not “working” for you.

The bank offers its clients not just favorable rates on deposits, but also confidence in the future, which is expressed by the insurance of each deposit by the bank’s partners.

Opening a deposit in Pochta Bank today is a real opportunity to save your savings, earning very good interest on them. The bank accepts only ruble deposits, and the parameters within which a deposit can be placed on the account are regulated by deposit programs, which, as of 2019, Pochta Bank offers 3 to individuals:

• "Capital".
• "Cumulative".
• "Profitable".

We propose to delve into the essence of each of the available offers in more detail and consider their conditions.

"Profitable" deposit

The first of the deposits available to clients of Russian Post Bank in 2019 is the “Profitable” deposit for consideration. This is an offer that is ideal for clients who want their money to work for them.

The terms of this deposit, as well as the requirements for bank clients, are as follows:

• Acceptable currency for deposit: ruble;
• Deposit opening period: 367 days;
• Interest payment: once a month (payment occurs on the day on which the client signed an agreement with PJSC);
• Interest is paid to the client's savings account at the bank;
• Deposit replenishment: available;
• Deposit amount: from 500 thousand rubles;
• Possibility of extension: available;
• Withdrawal of funds: only after the end of the contract;
• Interest rate: dynamic, depends on the deposit amount;
• In case of early termination of the agreement with the bank: interest is recalculated for the entire actual term of the deposit.

Of course, it is also necessary to note the data on what interest rates the Russian Post Bank offers on deposits for individuals in 2019 as part of the offer “ Income deposit" The interest rate is determined according to the following conditions:

• For a deposit amount from 500 thousand to 1.5 million rubles: 7.35%;
• For a deposit amount of 1.5 million rubles and 1 kopeck and above: 7.50%;

Deposit "Post Bank" "Accumulative"

The next proposal implies quarterly payment of interest, but the main highlight of the deposit is not this, and not even a more pleasant interest rate in comparison with the “Income” deposit, but the capitalization of interest.

In general, the conditions and requirements for clients within the framework of this offer from the Russian Post Bank are as follows:

• Citizenship of the depositor: Russia;
• Deposit opening period: 367 days;
• Payment of interest on the deposit: once every 92 days from the date of actual signing of the agreement;
• Replenishment option: available;
• Minimum deposit amount: 5 thousand rubles;
• Partial withdrawal: not available;
• In case of early termination of the contract: interest already paid cannot be returned to the bank, the remaining interest is paid at a rate of 0.1% per annum.

The list of interest rates for the “Accumulative” deposit is as follows:

• For a deposit amount from 5 to 500 thousand rubles: 6.85% (taking into account capitalization - 7.03%);
• For a deposit amount from 500 thousand rubles and 1 kopeck to 1.5 million rubles: 7.1% (taking into account capitalization - 7.29%);
• With a deposit amount of 1.5 million rubles and 1 kopeck: 7.25% (taking into account capitalization - 7.45%).

"Capital" deposit of "Post Bank"

Third and most profitable proposition from Pochta Bank, has the highest interest rate, as well as the possibility of placing a deposit not only for 12 months, but also for 6 and 18 months. In general, the requirements and conditions of the deposit look like this:

• Citizenship of the depositor: Russia;
• Deposit currency: ruble;
• Deposit opening period: 181, 367 and 546 days;
• Interest payment: one-time payment, on the last day of the contract term;
• Interest accrual: capitalized into the deposit;
• Possibility of replenishment: present;
• Possibility of extension: present;
• Partial withdrawal: no;
• Early dissolution: Maybe.

Interest rates for deposits look like this:

• With a deposit from 50 to 500 thousand rubles for a period of 181/367/546 days: 7.40/7.60/7.40%;
• With a deposit from 500 thousand rubles and 1 kopeck to 1.5 million rubles for a period of 181/367/546 days: 7.65/7.85/7.65%;
• With a deposit of 1.5 million rubles and 1 kopeck, 181/367/546 days: 7.9/8.0/7.9%;

Bonuses when opening a deposit in Pochta Bank

Today, when opening any deposit in Pochta Bank, you can get a rate increase of 0.5% per annum. How to do it:

• +0.25% per annum to the rate of any deposit can be obtained when opening a deposit through the mobile or Internet bank "Post Bank" (registration instructions) or if you use the "Pension" tariff.
• Pochta Bank provides another +0.25% per annum as compensation for the entire amount of an interbank transfer when opening a deposit.

How to open a deposit in Pochta Bank

If you, having carefully studied the conditions of deposits available for individuals at the Russian Post Bank in 2019, have decided that you want to open a personal deposit, this can be done very simply. There are two ways:

It is important to note that even when filling out an application for opening a deposit on the site, personal attendance at its branches will subsequently be required.

In 2019, Post Bank offers individuals, including pensioners, a profitable range of deposits. See at what interest rates you can open deposits in Post Bank today.

Today, the line of deposits for individuals at Pochta Bank is quite different from the offerings we are accustomed to from other banks.

√ You cannot open deposits in foreign currency here. Only deposits in rubles are accepted.

√ It is not possible to make a deposit with partial withdrawal of money without losing interest. For example, such as “Manage” in Sberbank or “” in VTB.

But Post Bank deposits have many other advantages. For example, the fact that for deposits made via the Internet, as well as those opened by pensioners, a substantial premium to the interest rate is provided. In addition, when opening a deposit, the client receives his own Savings Account free of charge and debit card WORLD.

And now that the site’s correspondents have briefly talked about the main features of Post Bank deposits, we can move on to their detailed review.

Post Bank: interest and deposit conditions for today

Today, the line of Post Bank deposits includes deposits with a high rate, replenishment, monthly payment interest, as well as capitalization. Let's consider what interest rates and conditions today Pochta Bank deposits have for individuals, including pensioners.

Deposit of Post Bank "Capital": interest and conditions

This is a classic deposit for individuals, which allows you to receive maximum income from investing funds. It will be especially beneficial for those who are ready to deposit a large sum of money into Post Bank and not withdraw the money for a year.

Conditions

• Duration: 6, 12, 18 months;
• Amount: from 50,000 rubles;

Interest rate

1. Basic conditions

Basic conditions

2. Special conditions for pensioners and salary clients, when opening a deposit through Post Bank Online, when switching to the “Active” tariff

See what interest rates on deposits of individuals are offered today

Deposit of Post Bank "Dokhodny": interest and conditions

This is a deposit for individuals with monthly interest payments. The minimum deposit amount is quite large, but putting less in the bank is not profitable if you are going to live on interest. In any case, you can withdraw all the money if you urgently need it, even without accrued interest.

Conditions

• Duration: 12 months
• Amount: from 100,000 rubles
• Replenishment: provided for the first 10 days
• Partial withdrawal: not provided
• Interest payment: monthly to savings account
• Early termination: at a rate of 0.1%.

Interest rate

Special conditions for pensioners and salary clients, when opening a deposit through Post Bank Online, when switching to the “Active” tariff

Post Bank deposit "Accumulative"

This is a replenishable deposit for individuals, which allows you to save money by replenishing the deposit from time to time. In addition, interest is capitalized every 92 days.

Conditions

• Duration: 12 months;
• Amount: from 5,000 rubles with the possibility of replenishment;
• Replenishment: provided throughout the entire period;
• Partial withdrawal: not provided;
• Interest payment: capitalization into deposit every 92 days;
• Early termination: at a rate of 0.1%.

Interest rate

1. Basic conditions:

6,4% (6.56% with capitalization)

2. Special conditions for pensioners and salary clients, when opening a deposit through Post Bank Online, when switching to the “Active” tariff:

6,65% (6.82% with capitalization).

Deposit of Post Bank "Pochtovy"

This is a classic deposit for individuals without replenishment, capitalization and partial withdrawal of funds without loss of interest. The terms of the deposit provide for the possibility of early closure of the deposit preferential rate. The deposit is processed at post offices by Russian Post employees.

Conditions

• Duration: 181, 367 days;
• Amount: from 50,000 rubles;
• Replenishment: provided for the first 10 days;
• Partial withdrawal: not provided;
• Payment of interest: at the end of the term;
• Early termination: at a rate of 0.1%.

Interest rate

Amount, rub	181 days	367 days
from 50 000	6,7%	6,8%

Surcharge:

+0,25% per annum to the rate for pensioners and salary clients, when opening a deposit through Post Bank Online, when switching to the “Active” tariff.

Post Bank savings account

When you open deposits for individuals at Pochta Bank, clients are also issued a Savings Account and a MIR debit card free of charge. This is done for the convenience of using the deposit.

Firstly, when the deposit is closed, the funds are transferred to the Savings Account, from where money can be withdrawn in cash from an ATM using a card or transferred to another bank. The card is also convenient when monthly withdrawal percent.

And secondly, the Savings account itself can serve as an excellent financial instrument, since decent interest is charged on the balance there.

So, when opening a Post Bank Savings Account, the client receives free of charge:

• account opening and maintenance;
• release and maintenance unnamed card WORLD;
• connection and maintenance of Mobile and Internet banking;
• all transfers to Post Bank clients from the account;
• replenishing an account from cards of other banks in Post Bank Online (from RUB 3,000);
• cash withdrawals by card at ATMs of Post Bank and VTB Group banks, as well as Post Bank cash withdrawal points at post offices;
• depositing cash into your account at Post Bank ATMs and ATMs of VTB Group banks.

Interest rates

Special conditions apply to clients with the “Salary”, “Active”, “Pension” and “Salary Pensioner” tariffs.

Interest is paid monthly, capitalizing on the account, and when withdrawing funds, the income received remains with you.

To open a Savings Account, simply inform a Post Bank employee of your desire when registering a deposit for individuals.

Tariff "Active" in Pochta-Bank

Pochta-Bank clients, ordinary individuals and pensioners, can apply for the “Active” tariff.

Why is this beneficial?

When switching to the “Active” tariff, the bank offers an increased interest rate on deposits of 0.25% per annum.

Your interest on the minimum balance in your Savings Account will increase by 1%.

Your cash loan rate will automatically decrease by 2% per annum! And the overpayment on the loan will be significantly less.

How to switch to the “Active” tariff

Pay for everyday purchases with Pochta Bank cards or make payments to Pochta Bank Online for a total amount of 10,000 rubles per month, and you will automatically receive all the benefits of the “Active” tariff.

Post Bank deposits for pensioners 2019: the percentage is even higher!

Today, about a third of Post Bank clients are pensioners. And their number will grow. This is not surprising, because deposits of individuals at Post Bank for pensioners have an increased interest rate. The surcharge is 0.25%.

You can get it if you receive your pension into an account at Post Bank. If necessary, a bank employee will help you fill out such an application for transfer of payments to transfer it to Pension Fund Russia (PFR). The “Pension” tariff with a deposit premium and other advantages is set automatically upon the first transfer of funds from the Pension Fund.

How to open deposits for individuals at Pochta Bank

If you are not yet a Pochta Bank client, then

1. Contact an employee of the Pochta Bank customer center with a Russian passport and mobile phone;

2. Open a Savings Account and select the method of opening a deposit: through Post Bank Online or in the client center.

3. Deposit money via Internet banking, ATM or using interbank transfer.

If you are already a client of Pochta Bank, you can immediately open a deposit via the Internet (if you wish, you can also contact the client center). You can also deposit money through Internet banking, an ATM, or using an interbank transfer.

SMS notification

About each receipt of funds into the deposit, as well as about an increase in the interest rate when the deposit amount reaches the level established for more high stakes, clients will receive SMS messages from the Bank.

Deposit insurance for individuals Post Bank

All Post Bank deposits for individuals are insured in accordance with the law Russian Federation. Compensation amount at insured event, let us remind you, today it is 1.4 million rubles.

About creation joint stock company open type“Pochta Bank” was first announced in 2016 by the VTB banking group and Russian Post. The company was established on the basis of PJSC Leto Bank and currently operates under its license No. 650.

The bank offers clients a wide range financial services, guaranteeing their quality and reliability. Pochta Bank accepts deposits from individuals exclusively in Russian currency under favorable interest rates and on comfortable terms. Let's look at the details.

How to open a deposit in Kidney Bank?

Today, in order to become a Pochta Bank depositor, it is not necessary to visit the company’s office; this can also be done remotely through the organization’s official resource.

If you want open a deposit account at a bank branch, then you will have to follow three basic steps:

• Come to the company branch with your personal passport;
• Sign the agreement in the presence of the employee;
• Enter the required amount to the account of the selected deposit.

Requirements for the borrower Post Bank puts forward standard:

• adult age - men 21-65 years old, women 18-70 years old;
• availability of a stable source of income (a certificate in Form 2 of personal income tax is required);
• positive credit history;
• Russian citizenship with permanent registration.
• Important! The minimum age for men is limited to 21 years, since the bank takes into account their conscription period.

Types of Post Bank deposits

In 2017, Pochta Bank offers several types of profitable investments, these are products such as:

• "Capital"
• "Profitable"
• "Cumulative"

All projects have differences in criteria such as deposit amounts, placement period, interest rate, capitalization, etc. Accordingly, the return on each investment will be different. The bank makes a separate offer with special conditions for elderly people, providing higher income for pension type investments.

"Capital"

One of the most profitable deposit projects of Post Bank for individuals is the Capital deposit. The conditions for its provision are as follows:

• percentage of annual profit - up to 8%;
• placement period – six months, a year, 1.5 years;
• The minimum amount of funds deposited is from 50 thousand rubles.

The maximum income on a deposit depends on two indicators: the amount of the deposit and the investment period.

Amount, rub.	181 days	367 days	546 days
50 000 — 500 000	7,4%	7,6%	7,4%
500 000 – 1 500 000	7,65%	7,85%	7,65%
From 1,500,000	7,9%	8%	7,9%

Profit by this species The deposit is paid to the depositor at the end of the specified period.

"Profitable"

The “Profitable” deposit is presented by the bank on the following conditions:

• annual rate – up to 7.5%;
• minimum amount for opening - from 500,000 rubles;
• The period for placing money is 12 months.

When opening a deposit account, the client is offered a free “Savings Account” and a “Mir” card.

The percentage of annual profit is affected by the amount of funds deposited into the account:

• from 500,000 to 1,500,000 rubles - 7.35%;
• over 1,500,000 - 7.5%.

When activating a deposit through the Mobile Bank application, an additional 0.25% per annum is added to the rate.

"Cumulative"

The "Accumulative" deposit can be opened by all interested individuals who have reached the age of majority (for women - 18 years old, for men 21 years old), who have Russian citizenship and have stable income. The project conditions are as follows:

• interest rate within 7.25% per annum;
• minimum amount - 5,000 rubles;
• term – 1 year;
• quarterly interest capitalization without % loss.

The interest depends on the volume of investment:

• from 5,000 to 500,000 – from 6.85% (7.03%);
• 500 000 — 1 500 000 — 7,10% (7,29%);
• over 1,500,000 - 7.25% (7.45%).

The account can be replenished, and the interest on it is capitalized every three months.

"Pension"

For elderly individuals, Post Bank offers special conditions for deposit programs. Types of deposits for pensioners in Post Bank:

• "Capital" assumes up to 8% profit per year, placement period is 6, 12, or 18 months. The minimum amount to open an account is 50,000.
• "Profitable" promises an interest rate of 7.5% per year. The investment period is 12 months, and the required minimum amount to open is 500 thousand rubles. Interest payment is monthly.
• The “savings” deposit for pensioners guarantees up to 7.25% (excluding capitalization). The minimum must be deposited into the account 5,000. The deposit is replenished, with quarterly payment of profits.
• savings account assumes a rate of up to 7% for 365 days.
• The “Pension” tariff, provided that the amount deposited into the account in the range of 1000 - 10,000 will provide a profit of 4.5%. If the account has 100 thousand, then the interest is 7%.

All investments of pensioners and other individuals are insured under the program federal insurance, according to Law No. 177-FZ dated December 23. 2003. More about banks included in the deposit insurance system

How to close a deposit?

Closing a deposit of any type is possible only in one way - in person at the office financial organization. To deactivate the deposit, the client must:

• come to the bank with a personal passport document;
• write an application and send it for consideration;
• sign an agreement to close the account;
• receive your money at the bank's cash desk or transfer it to another account.

If the user has any questions regarding the opening and closing of deposit accounts, he can ask them to a bank specialist at any time by calling the number " hotline» +7 495 532 13 00 .