NB trust deposits of individuals. Trust bank deposits

Offers and benefits:

possibility of partial withdrawal of the deposit amount;
the bank made a special interest rate in case of early withdrawal of invested funds by individuals;
multi-currency deposits of individuals in Trust Bank in 2019;
ruble deposits in 2019 with auto-renewal, the ability to open and replenish using ATMs.

Advantageous programs and offers

Popular NB Trust products:

“Super deposit 2019” - growing interest on deposits for individuals in NB Trust, the possibility of early closure of the account without loss of accrued interest.
“Generous interest” - increased rates on income in 2019 in Moscow, special conditions for early withdrawal.
“Accumulative” - a deposit in rubles in the National Bank with a high percentage and the possibility of replenishment.
“Pension income” - attractive rates and wide functionality. The main condition for opening a deposit is having a pension certificate.
VIP-All inclusive - flexible terms of accommodation, the ability to partially withdraw money and top up your account. High rates from the National Bank with interest payments at the end of the term or monthly.

Features of registration and receipt

You can open a deposit in Moscow at any bank branch, as well as online, by filling out the appropriate application or through the Trust Online system (to use the service you must have any retail product of the National Bank). Use our service to find out the conditions of deposits “Without Borders”, study others banking offers and open a savings account without leaving home!

Founded in 1995, Trust Bank is rightfully considered one of the largest commercial banks in the Russian Federation. According to the Central Bank, its assets as of December 31, 2015 amounted to 253.821 billion rubles, and its profit for the past year amounted to 4.5 billion rubles, which puts it at the level of successfully developing companies.

Bank deposits are a way to save and increase capital

The current economic situation in the country, the floating ruble, sanctions and instability, makes many people think about a way to save and increase their savings. At the same time, the flexible policy of the Central Bank and healthy competition in the commercial banking sector in 2016 led to an increase in interest rates on household deposits to a value significantly higher than the annual inflation rate. A competent and profitable investment of your funds by opening a bank deposit can ensure a quiet existence and a stable income.

As a comparative example, we can look at two ways of investing funds and the total income received:

Purchase and subsequent rental of a one-room apartment worth 2 million rubles. with a rent of 15 tr. per month. Minus taxes, depreciation costs and current repairs, income will be no more than 150 thousand rubles. in year. At the same time, increased risks should be taken into account (lack of tenants, non-payment of services, etc.).
Opening a deposit for an individual for a period of one year in the amount of 2 million rubles. in Trust Bank at 10.5% per annum - income will be 210 tr. in a year.

The first scheme is the most common and was considered, until recently, optimal, but a weak legislative framework and uncontrolled market in this area led to a serious decline in profitability.

The second method of increasing capital is not only more attractive in terms of the final profit result, but will require much less cost and effort (you just need to go to a bank branch and open an account).

Deposits for individuals in Trust Bank, rates and interest in 2016-2017

The most popular and most attractive deposits for individuals in Trust Bank today are:

"Our people"— increased interest rates, special early demand rates, automatic prolongation (extension of the contract term).
Rate – from 9.35 to 10.3% per annum in rubles, from 1 to 2.3% in dollars and from 1.2 to 1.1.75% in euros for a period of 3 months to 1.5 years.
"Optimal course"— the maximum interest rate, with the ability to transfer the required deposit amounts between your other accounts at a preferential conversion rate; the deposit can only be opened at a Bank branch.
The rate is from 6.1 to 10.3% per annum in rubles, from 0.65 to 2.3% in dollars and from 0.1 to 1.75% in euros. The deposit period is 367 days.
"Pension income"— high rates, the ability to replenish and partially withdraw without losing interest.
The rate is from 8.95 to 9.45% in rubles, from 1 to 1.75 in dollars and from 0.45 to 1.1% in euros.
Duration - 181, 367, 546, 730 days.
"All inclusive"— monthly interest payment, possibility of replenishment and partial withdrawal, prolongation.
Rate – from 8.6 to 9.45% in rubles, from 0.2 to 1.6% in dollars, from 0.15 to 0.7% in euros.
Duration – from 3 months to 1 year.

A guaranteed flexible approach to each client, a wide range of services offered, as well as the opportunity to open a foreign currency deposit, speaks of the reliability and stability of Trust Bank.

The established rates and storage conditions are considered, according to independent banking experts, to be one of the most profitable today, significantly exceeding, in percentage terms, the amount of inflation predicted in 2016-2017 in our country.

Using a bank calculator to select optimally favorable conditions

Trust Bank specialists have developed and implemented a product such as a bank calculator. With its help, it will not be difficult for the client to choose the optimally profitable type of deposit and the validity period of the agreement for it; for this, it is enough to:

Select the name of the contribution.
Enter the amount planned for opening in rubles or in foreign currency.
Indicate the number of months or the closing date of the deposit.

An electronic calculation will immediately be made indicating the maximum possible interest rate and the amount of income received under these conditions, which allows future investors to carefully weigh their options and assess the risks that may arise in the event of early full or partial closure of the account. Trust Bank meets halfway requirements for its clients and provides preferential interest rates that allow them to partially compensate for losses when such situations arise.

Possibility of simultaneously opening several deposits

It is very difficult to predict the economic situation in the country and personal material needs for the long term. Interest rates on deposits may vary. According to experts, they are now at the highest level and will soon be predicted to decrease, which has already happened with rates on individual deposits at Sberbank. Opening a deposit with a high interest rate for a long period is accompanied by the risk that in case of unforeseen expenses you will have to close the account early. At the same time, the rate is significantly reduced and this will lead to a loss of expected income.

In such cases, you can take advantage of the opportunity to open multiple accounts. For greater clarity, an example of two ways to open a deposit in the amount of 500 rubles will be given:

Opening a deposit for 500 tr. for a period of 1 year.
The risk of early closure due to unforeseen circumstances and partial loss of income.
Reduction of the interest rate by the bank during the storage period and the impossibility of further prolongation on the same favorable terms.
Opening a deposit for a period of 3 months in the amount of 450 tr. and opening a second deposit in the amount of 50 tr. for a period of 18 months with the possibility of replenishment. The risk of loss of profit if the deposit is closed early will be minimal. If the bank reduces the interest rate, after the expiration of the agreement on the first deposit, the amount from it is transferred with the same favorable conditions to the existing second deposit, which will help keep the profitability at the same level.

The given example is not a signal to action, but just a way to show the great opportunities and wide range of services of the modern banking sector in general and its representative - Trust Bank in particular.

Insurance of deposits of individuals in Trust Bank

Trust Bank is a full-fledged participant in the DIC (deposit insurance system), according to which, in the event of an insured event (closing of a bank, revocation of a license, etc.), the depositor is guaranteed to be paid up to 1.4 million rubles. These obligations have been in effect on the territory of the Russian Federation since January 1, 2014 and are fulfilled in full and within the time limits provided for by law, which makes it even more attractive for the population to use the services offered by the private banking sector.

Video: bank deposits

A wide network of branches and ATMs create comfortable conditions for working with Trust Bank clients. The quality of the services provided and the high level of service are evidenced by numerous positive reviews and high ratings conducted on a competitive basis by both government and independent experts.

Trust Bank deposits of individuals 2018 interest on deposits for today

Our people	10.1 - 11.5% (r.), 1.55 - 3.3% ($), 1.05 - 2.5% (€)	30,000 rub., 500 $, 500 €	91 – 548 days	At the end of the term	no no
Generous interest	10 - 11.4% (r.), 1.45 - 3.2% ($), 0.95 - 2.4% (€)	30,000 rub., 500 $, 500 €	91 – 548 days	At the end of the term	no no
Cumulative 2016	9.6 - 10.8% (r.), 0.95 - 2.55% ($), 0.45 - 1.8% (€)	30,000 rub., 500 $, 500 €	91 – 367 days	At the end of the term	Yes, min. sum 5,000 rub. ($100 US or 100 € for foreign currency savings) / no
All inclusive+	9.35 – 10.55% (r.), 0.65 – 2.45% ($), 0.15 – 1.5% (€)	30,000 rub., 500 $, 500 €	91 – 367 days	Monthly or at the end of the term	Yes, the minimum amount is RUB 5,000. ($100 US or 100 € for foreign currency savings) / possible withdrawal up to the minimum balance
Maximum advantages 2016	9% (r.), 1.1% ($), 0.35% (€)	30,000 rub., 500 $, 500 €	91 – 180 days	Monthly or at the end of the term	Yes, min. sum 5,000 rub. ($100 US or 100 € for foreign currency savings) / possible withdrawal up to the minimum balance
Multicurrency 2016	9.75 - 10.35% (r.), 1.3 -2.65% ($), 0.8 - 1.85% (€)	30,000 rub., 500 $, 500 €	91 – 367 days	At the end of the term	Yes, minimum amount RUR 5,000, US$100, €100 / no
Pension income	10.15 – 10.8% (r.), 1.7 – 2.8% ($), 1– 1.55% (€)	5,000 rub., 100 $, 100 €	181 – 730 days	Monthly or at the end of the term	Yes, min. sum RUR 3,000, US$50, €50/partial withdrawal possible up to minimum balance
Poste restante	0.1% (r.), 0.1% ($), 0.1% (€)	Not limited	Is not limited	Annually with capitalization and at the end of the term	Not really

mikrozaym-onlayn.ru

Deposits

ATTENTION! From October 11, 2018, a new deposit “25 years with you” will be valid.

Seasonal deposit passport “25 years with you”

In our bank, in addition to the main types of deposits, which are maintained for several years, there are also urgent special offers. Special offers, as a rule, are timed to coincide with some significant events and are accompanied by special, more favorable conditions: high interest rates, low down payment, the possibility of replenishment, prize draws or additional preferential rates for other services. And also when opening a deposit “Profitable”, “Savings”, “Comfortable” through the AEB Online remote banking system + 0.25% per annum to the rate on deposits in rubles.

To open a deposit in Almazergienbank you must:

take your passport
select deposit type
enter into an agreement with the bank

A personal account is opened in your name (a deposit book is also issued for pension deposits).

Rates on deposits of individuals

Rules for placing bank deposits by individuals in JSCB Almazergienbank JSC

Applications:

Application for adherence to the Rules for placing bank deposits by individuals of the AEB
Confirmation form for an individual placing a bank deposit with the AEB

Application form for accession to the Rules for placing bank deposits by individuals of the AEB, valid until July 11, 2016

Application form for accession to the Rules for placing AEB bank deposits by individuals, valid until April 19, 2017

Application form for accession to the Rules for placing bank deposits by individuals of the AEB, valid until January 16, 2018

Information on maximum interest rates on deposits of individuals

Deposit insurance system

JSCB "Almazergienbank" JSC has been included in the Register of banks participating in the compulsory deposit insurance system since January 27, 2005. The bank number according to the Register is 540.

Deposit insurance system

Archive of contributions

albank.ru

Interest rates on deposits in Trust Bank in 2016

In 2016, the bank increased the interest rate on all types of deposits. In 2017, it is also planned to increase the rate by several sub-points.

Interest on deposits of individuals in Trust Bank in 2016

VIP all inclusive:

1. 10.75 percent/2.6 percent/1.8 percent;
2. 10 million/100 thousand/100 thousand;
3. 241 days;
4. partial withdrawal and replenishment.

VIP cumulative:

1. 11 percent/2.8 percent/2 percent;
2. 10 million/100 thousand;
3. 241 days;
4. replenishment.

VIP 2016:

1. 11.6 percent/3.45 percent/2.65 percent;
2. 10 million/100 thousand/100 thousand;
3. 546 days;

All inclusive 2016-2017:

1. 10.4 percent/2.35 percent/1.4 percent;
2. 1.5 million/30 thousand;
31 year;
4. partial withdrawal;
5. replenishment.

Maximum advantages:

1. 9 percent/1 percent/0.25 percent;
2. 30 thousand/500/500;
3. 91 days;
4. partial withdrawal and replenishment.

Multi-currency:

1. 10.5 percent/2.25 percent/1.75 percent;
2. 30 thousand/500/500;
3. six months;
4. replenishment.

Cumulative:

1. 10.65 percent/2.45 percent/1.7 percent;
2. 1.5 million/30 thousand/30 thousand;
3. for 367 days;
4. replenishment.

Pension:

1. 10.65 percent/2.7 percent/1.6 percent;
2. 500/10/10 thousand for a period of 730 days;
3. partially early withdrawal and replenishment.

Our people and generous interest:

1. 11.25 percent /3.1 percent /2.3 percent;
2. 1.5 million/30 thousand/30 thousand;
3. 546 days.

How to open?

Only existing clients can make a deposit. To do this, they need to log into their personal account using their data. For new clients, it is possible to open only at a bank branch.

Good luck! Consider other deposit offers on our website, and also study the rating of banks by reliability.

creditservise.ru

Bank deposits Trust Bank 2018

Interest rates for individuals on deposits at Trust Bank in 2018.

My product

Contribution
Amount: 30,000 RUB
Duration: 3 months - 1 year
Multicurrency

My product

Contribution
Amount: 30,000 RUB
Duration: 3 months
Multicurrency

My product

Contribution
Amount: 5,000 RUB
Duration: 6 months
Multicurrency

My product

Contribution
Amount: 30,000 RUB
Duration: 3 months
Multicurrency

My product

Contribution
Amount: 30,000 RUB
Duration: 3 months
Multicurrency

My product

Contribution
Amount: 30,000 RUB
Duration: 3 months
Multicurrency

My product

Contribution
Amount: 30,000 RUB
Duration: 3 months – 6 months
Multicurrency

My product

Contribution
Amount: 5,000,000 RUB
Duration: 3 months - 1 year
Multicurrency

My product

Contribution
Amount: 5,000,000 RUB
Duration: 3 months - 1 year
Multicurrency

My product

Contribution
Amount: 5,000,000 RUB
Duration: 3 months - 1 year
Multicurrency

TRUST Bank is one of the largest retail banks in the country, included in the TOP 35 organizations with the largest volume of financial assets (more than 250 billion rubles).

The company's popularity among consumers is due to the large number of deposit offers and favorable interest rates on them. In this review, we will consider in detail existing deposits for individuals, as well as the procedure for opening and closing them in the financial organization Trust Bank.

Trust Bank: types of deposits for individuals

Trust Bank offers the following profitable deposits for individuals:

"Reliable":

opens for a period of 3 months to six months,
with monthly interest payments,
without partial withdrawal of invested funds,
with the possibility of automatic renewal,
profit from 7.4% to 8%.

"High percent":

rate 10% per annum,
There is no provision for withdrawal in parts,
with auto-renewal,
Funds storage period is 1 year.

"Basic income"- replenishable deposit with an interest rate of 5.5% - 7.6%:

no partial withdrawal of interest,
Possible period for placing money is 3, 6, 12, 24 months.

"Active replenishment":

rate 5.3% - 7.1%,
replenished,
with partial removal,
term – 90 days, six months, 1 and 2 years.

"Free Control"— involves opening online:

profit percentage 5% - 6.8%,
replenished,
withdrawal is provided in parts,
term 3, 6, 12 or 24 months.

"Premium"— a project for holders of plastic payment type MasterCard Black Edition with an overdraft limit equal to zero; a deposit can only be opened in a branch of the Trust company.

rate 5.9% - 8%,
there is auto-renewal,
period 90 days, 180 days, 1 year or 2 years.

"Our people"— investment deposit with an increased rate from 7.1% to 8.6%. This offer does not allow for deposits or withdrawals in installments. The period is 90 days, 180 days, 1 year and 2 years.

"Contribution to health" provided when purchasing insurance within the framework of the “Medicine Without Borders” project:

profit 6.35% - 7.85%,
not replenished,
terms 90, 180 and 365 days.

"VIP client":

it is possible to open via the Internet,
rate 6.9% - 7.95%,
depositing and withdrawing cash in parts is not allowed,
the contract period is 3, 6, 9, 12 or 18 months.

"VIP-cumulative" opens in the TRUST ONLINE system:

the rate is 6.8% - 7.1%,
automatically renewed,
replenished,
term: 3, 6, 9 or 12 months.

"VIP-All inclusive" provided online:

interest rate 5.65% - 6.8%,
it is possible to deposit money into the account in parts, as well as partial withdrawal,
renews automatically,
validity period is 90, 180, 279 and 365 days.

Deposit "Poste restante":

the period of provision is not limited,
replenished,
with partial withdrawal of funds,
percentage 0.1%.

Deposits in Trust Bank for pensioners

Persons of retirement age have the opportunity to open any deposit from those presented above. At the same time, Trust Bank has provided the highest interest rates on investments for pensioners. For example, if a senior citizen expresses a desire to open an “Active Replenishment” deposit, which provides a profit percentage in the range from 5.3% to 7.1%, the maximum rate will be set for him - 7.1%.

How to open a deposit?

You can open a deposit with the Trust company in two ways:

at the nearest bank branch,
using the Internet service TRUST ONLINE.

In the first case, the depositor needs to personally visit the bank office, preparing the following list of necessary documents:

application for opening a deposit account;
personal civil passport;
additional document - this item is valid for pensioners who must also provide their pension certificate to the organization.

Only those users who are holders of the bank’s plastic products can open an account online through the TRUST Online resource. In order to access the service, the client will need to indicate his card or account number.

For depositors, the maximum and minimum deposit amounts are set in the range of 100 rubles (demand deposit) - 10 million rubles (VIP-All-inclusive deposit).

How to close?

Closing of the deposit occurs automatically after the end of the established period for storing funds, or if the client himself wishes to close the savings account. In the latter case, the client needs to come to the bank and write an application for early closure of the bank account. You should first transfer money from the deposit to the card or withdraw cash.

Quick application form

Fill out the application now and receive money in 30 minutes

When studying, people often cannot decide to design them. This is due to the fact that the domestic financial market today offers a huge number of deposit programs, for which the conditions differ significantly. When conducting monitoring, individuals should find out about all other cities of the Russian Federation, as well as deadlines and other nuances.

Deposits in Trust Bank for 2017

Excellent conditions for clients in 2017 were offered by Trust Bank, which has developed a wide range of ruble and foreign currency deposits.

"Our people"

In 2017, individuals can open this type of deposit at any branch of Trust Bank. When concluding an agreement, potential investors must present a promotional code or flyer of the established form. The program does not provide for registration in favor of a third party. The following conditions are established for the “Our People” deposit:

deposits are made in both domestic and foreign currencies (euro, US dollars);
the amount of the down payment is set at 30,000 rubles, 500 euros/US dollars;
program duration: 91, 181, 367, 546 days (deposits in foreign currency are not issued for a period of 91 days);
clients cannot make deposits or conduct debit transactions on the deposit account;
interest income is accrued and paid at the end of the term;
if on the last day of the agreement the individual does not express a desire to close the deposit, then the agreement will be automatically extended for the same period and on the terms that apply to “Seasonal” or “Demand” deposits at the time of renewal;
individuals can close their deposits ahead of schedule, and interest will be recalculated at a special rate, the amount of which will directly depend on the term and amount of funds placed;
interest rates are calculated as follows: in rubles (from 30,000 rubles) 91 days - 8.80%, 181 days - 9.25%, 367 days - 9.50%, 546 days - 9.05%, (from 1 500,000 rub.) 91 days – 8.90%, 181 days – 9.25%, 367 days – 9.50%, 546 days – 9.15%; in US dollars (from 500) 91 days - 0.80%, from 181 days - 1.60%, from 367 days - 2.00%, from 546 days - from 1.75%, (from 20,000) 91 days – 0.90%, 181 days – 1.60%, 367 days – 2.00%, 546 days – 2.00%; in euros (from 500) 181 days – 0.85%, 367 days – 1.15%, 546 days – 0.95%, (from 20,000) 181 days – 0.95%, 367 days – 1.25% , 546 days – 1.05%.

Advice: this Trust Bank deposit, just like , can be terminated early. If closure occurs from 91 to 545 days, then interest is transferred at the following rates: in rubles - 5.00%, in euros - 0.10%, in dollars - 0.50%.

"Optimal course"

This Trust Bank deposit can be issued when visiting the office of a financial institution or in the TRUST ONLINE system. On the bank’s official website, each client can enter their mobile phone number in a special window, which will receive a premium code required to open this program. The deposit can be made simultaneously in Russian rubles, euros and US dollars. The minimum investment amount is 30,000 rubles, 500 euros/US dollars. The deposit validity period is 367 days.

Interest rates on ruble deposits are set in the following amounts: (from RUB 30,000) 1-90 days - 5.90%, 91-180 days - 8.80%, 181-366 days - 9.15%, 367 days - 9 ,50%; (from RUB 1,500,000) 1-90 days - 6.00%, 91–180 days - 8.90%, 181–366 days - 9.25%, 367 days - 9.50%. Interest rates on dollar deposits are set in the following amounts: (from $500) 1-90 days - 0.50%, 91–180 days - 0.80%, 181–366 days - 1.50%, 367 days - 1, 95%; (from $20,000) 1-90 days - 0.60%, 91–180 days - 0.90%, 181–366 days - 1.60%, 367 days - 2.00%. Interest rates on deposits in euros are set in the following amounts: (from 500 euros) 1-90 - days 0.10%, 91–180 days - 0.20%, 181–366 days - 0.85%, 367 days - 1, 15%; (from 20,000 euros) 1-90 days - 0.10%, 91–180 days - 0.25%, 181–366 days - 0.95%, 367 days - 1.25%.

The following conditions are established for this deposit program:

clients of Trust Bank can transfer part of this deposit to other deposit accounts registered with the same financial institution;
interest income is paid at the end of the term;
at the first request of an individual, the deposit can be returned, but the interest on it will be recalculated (a rate of 0.10% per annum is applied);
clients can replenish their deposits, as well as partially withdraw funds from them;
Interest income is paid either at the end of the term or once a month.

Advice: as well as for special ones, Trust Bank has provided higher rates and flexible placement conditions for the category of VIP clients.

"Generous Interest"

National Bank Trust invites individuals to open this type of deposit in 2017, which has very high interest rates. Clients of a financial institution can place savings in Russian rubles, US dollars and euros for different periods (91, 181, 367, 546 days). When opening a deposit, a minimum amount of funds must be deposited into the account: 30,000 rubles, 500 dollars/euro. This program does not provide for additional contributions throughout the entire term of the contract, as well as for expense transactions. Interest income is accrued at the end of the term and credited to the client's deposit account. The program provides for automatic renewal of the contract. If the deposit is closed early, the bank will apply a special rate of 0.10%.

The following rates apply to the “Generous Interest” deposit (their size directly depends on the amount and term of placement of funds):

Ruble deposits: (from RUB 30,000) 91 days – 8.70%, 181 days – 9.15%, 367 days – 9.40%, 546 days – 8.95%; (from RUB 1,500,000) 91 days – 8.80%, 181 days – 9.15%, 367 days – 9.40%, 546 days – 9.05%.
Dollar deposits: (from $500) 91 days – 0.70%, 181 days – 1.50%, 367 days – 1.90%, 546 days – 1.65%; (from $20,000) 91 days – 0.80%, 181 days – 1.50%, 367 days – 1.90%, 546 days – 1.90%.
Deposits in euros: (from 500 euros) 91 days – 0.10%, 181 days – 0.75%, 367 days – 1.05%, 546 days – 0.85%; (from 20,000 euros) 91 days – 0.15%, 181 days – 0.85%, 367 days – 1.15%, 546 days – 0.95%.

Advice: if individuals do not want to stand in queues at a branch of the National Bank Trust, they should indicate their mobile phone number on its official website and receive a premium code.

"All inclusive"

In 2017, changes to this program came into force, thanks to which individuals can place their savings in Russian rubles, dollars and euros on more comfortable conditions. The deposit validity period is 91, 181, 367 days (on the 91st day no deposit in euros is placed). According to the program, the minimum balance amount is fixed: in rubles - 30,000, in euros and dollars - 500 each. The minimum investment amount is set within the minimum balance.

This type of deposit can be replenished, but with minor restrictions:

the minimum amount of one replenishment should not be less than 5,000 rubles, 100 euros/dollars;
for the entire duration of the program, you can additionally place no more than 10,000,000 rubles (in this case, euros and dollars are converted at the current rate so that the amount of the foreign currency deposit does not exceed the limit value of the ruble deposit);
The last additional contribution can be made to the deposit account no later than 60 days before the expiration of the deposit.

Individuals can partially withdraw funds from their deposits within the minimum balance. At the same time, all conditions provided for urgent programs will be maintained. During the first month of placement, clients cannot withdraw more than 30% of the initial deposit. In subsequent months, the withdrawal amount should not exceed 30% of the balance on the first day of the month in which debit transactions are carried out. Interest income can be accrued either once a month or at the end of the term (clients choose a method when concluding an agreement), then paid to a separate card or current account. If the deposit product was issued by a non-resident of the Russian Federation, then the bank will credit the accrued interest income to a current account opened in the name of the depositor.

Interest rates on this deposit are calculated as follows:

ruble deposits: (from 30,000 to 1,499,999 rubles) 91 days - 7.95%, 181 days - 8.40%, 367 days - 8.65%; (from RUB 1,500,000) 91 days – 8.05%, 181 days – 8.50%, 367 days – 8.75%;
dollar deposits: (from 500 to 19,999 dollars) 91 days - 0.20%, 181 days - 0.65%, 367 days - 1.25%; (from $20,000) 91 days – 0.45%, 181 days – 0.75%, 367 days – 1.50%;
deposits in euros: (from 500 to 19,999 euros) 181 days - 0.15%, 367 days - 0.45%; (from 20,000 euros) 181 days – 0.25%, 367 days – 0.55%.

On the last day of the agreement, individuals can close deposits and withdraw their savings along with accrued interest income. If they do not do this, then their contracts will be automatically extended for the same period, but under the conditions that apply under the All Inclusive program. In the event that, at the time of automatic renewal of the contract, the “All Inclusive” program is no longer in effect at Trust Bank, then the conditions applicable to the “On Demand” deposit will be used.

This deposit program provides for partial withdrawal of funds. Upon appropriate request from the client, the bank will recalculate interest at the following rates:

deposit in rubles: 1–90 days - at the “On demand” rate (0.10%); 91-180 or 91–366 days - rate 4.50% per annum;
deposit in US dollars: 1–90 days - at the “On Demand” deposit rate (0.10%); 91-180 or 91–366 days - rate 0.15% per annum;
deposit in euros: 1–90 days - at the “On demand” rate (0.10%); 91-180 or 91–366 days - rate 0.10% per annum.

"Maximum advantages 2016"

This deposit of the National Bank Trust is issued on the following terms:

placement currency: euro, Russian rubles, American dollars;
validity period of the deposit product - 91–181 days;
minimum initial investment amount (minimum balance): 100,000 rubles, 1,000 euros/dollars;
this type of deposit can be replenished (minimum 5,000 rubles, 100 euros/dollars, maximum 10,000,000 rubles, for deposits in foreign currency the amount must be equivalent to 10 million rubles after conversion);
clients can partially withdraw funds within the minimum balance;
interest rates on this deposit are calculated as follows: (ruble deposits) 91 days - 7.95%, 181 days - 8.45; (dollar deposits) 91 days – 0.60%, 181 days – 1.00%, (euro deposits) 91 days – 0.20%, 181 days – 0.50%;
interest income is paid at the end of the program term by transferring funds to the client’s card or current account;
the program provides for automatic extension under the terms of the “Maximum Plus 2015” or “On Demand” deposits;
in case of early closure of the deposit program, the following rates will be applied: (deposits in rubles) 1–180 days - 4.50%, (deposits in dollars) 1–180 days - 0.25%, (deposits in euros) 1–180 days - 0.10%.

"Pension income"

This National Bank Trust deposit is intended for pensioners who seek to preserve and increase their savings. Before applying for the program, they should familiarize themselves with its basic and additional conditions:

the deposit can be issued for different periods: 181, 367, 546, 730 days;
placement currency: Russian rubles, American dollars and euros;
the minimum investment amount (which is also the minimum balance) that must be in the account at the time of opening is set at: 5,000 rubles, 100 euros/dollars;
the program provides for replenishment (the minimum additional contribution is set at 3,000 rubles, 50 euros or dollars, the maximum is 10,000,000 rubles, and in foreign currency the equivalent of this amount);
individuals can partially spend money from deposit accounts, but restrictions should be taken into account;
interest on ruble deposits is accrued as follows: (from 5,000 to 499,999 rubles) 181 days - 8.10%, 367 days - 8.60%, 546 days - 8.20%, 730 days - 8.10%; (from RUB 500,000) 181 days – 8.25%, 367 days – 8.75%, 546 days – 8.35%, 730 days – 8.25%;
interest on dollar deposits is accrued as follows: (from 100 to 19,999 dollars) 181 days - 0.75%, 367 days - 1.50%, 546 days - 1.30%, 730 days - 1.20%; (from $20,000) 181 days – 0.90%, 367 days – 1.65%, 546 days – 1.45%, 730 days – 1.35%;
interest on deposits in euros is calculated as follows: (from 100 to 19,999 euros) 181 days - 0.30%, 367 days - 0.80%, 546 days - 0.55%, 730 days - 0.45%; (from 20,000 euros) 181 days – 0.45%, 367 days – 0.95%, 546 days – 0.70%, 730 days – 0.60%;
interest income can be paid monthly or at the end of the term to the client’s card or current account;
automatic and early termination of the contract is provided.

"Poste restante"

This program is intended for individuals who can apply for it in 2017 under the following conditions:

the validity period of the deposit is unlimited;
placement currency: euros, American dollars, Russian rubles;
the deposit is returned upon the client’s first request;
individuals can make additional contributions;
the following rates are applied on deposits: in rubles - 0.10%, in dollars - 0.10%, in euros - 0.10%;
interest income is paid on the last working day of the year (calendar);
The bank has the right, at its discretion, to change the interest rates applicable on the deposit.

Line of deposits for VIP CLIENTS

In 2017, National Bank Trust offers VIP clients a line of deposit products with very favorable conditions:

"VIP CLIENT 2016". This deposit is issued for periods of 91, 181, 271, 367, 546 days in Russian rubles, euros and American dollars. The minimum investment amount is set at 5,000,000 rubles, 50,000 euros/dollars. The deposit program does not provide for replenishment and partial withdrawal of funds. Interest rates on ruble deposits are set in the following amounts: (from 5,000,000 to 9,999,999 rubles) 91 days - 9.00%, 181 days - 9.25%, 271 days - 9.40%, 367 days - 9, 70%, 546 days - 9.25%; (from RUB 10,000,000) 91 days - 9.15%, 181 days - 9.40%, 271 days - 9.55%, 367 days - 9.85%, 546 days - 9.40%. Interest rates on deposits in euros are set in the following amounts: (from 50,000 to 99,999 euros) 91 days - 0.15%, 181 days - 0.95%, 271 days - 1.00%, 367 days - 1.20% , 546 days - 1.35%; (from 100,000 euros) 91 days - 0.30%, 181 days - 1.00%, 271 days - 1.05%, 367 days - 1.25%, 546 days - 1.40%. Interest rates on deposits in dollars are set in the following amounts: (from 50,000 to 99,999 dollars) 91 days - 1.15%, 181 days - 1.85%, 271 days - 2.10%, 367 days - 2.45 %, 546 days – 2.25%; (from $100,000) 91 days – 1.30%, 181 days – 2.00%, 271 days – 2.25%, 367 days – 2.60%, 546 days – 2.40%. In case of early closure of a deposit, interest rates are applied: 1–90 days - at the rates of the “On Demand” deposit; 91–180/240/366/- 5.15%, 0.80%, 0.25%.
"VIP-Accumulative". The deposit is made in Russian rubles, US dollars and euros for a period of 181, 271, 367 days (deposits in euros are not made for 91 days). Minimum investment amount: 5,000,000 rubles, 50,000 dollars or euros. Clients can replenish their deposit accounts, taking into account the current restrictions (the minimum amount of an additional contribution is 50,000 rubles, 1,000 euros/dollars, the maximum amount is equal to five times the size of the initial contribution). Expenditure transactions are prohibited for individuals. Interest income is paid monthly or at the end of the deposit term. The program applies flexible rates, which depend on the amount of investment and terms. For ruble deposits, rates are set as follows: (from 5,000,000 to 9,999,999 rubles) 91 days - 8.45%, 181 days - 8.55%, 271 days - 8.65%, 367 days - 8.95 %; (from RUB 10,000,000) 91 days – 8.60%, 181 days – 8.70%, 271 days – 8.80%, 367 days – 9.10%. Interest rates on deposits in dollars are set in the following amounts: (from 50,000 to 99,999 dollars) 91 days - 0.45%, 181 days - 1.10%, 271 days - 1.45%, 367 days - 1.80 %; (from $100,000) 91 days - 0.60%, 181 days - 1.25%, 271 days - 1.60%, 367 days - 1.95%. Interest rates on deposits in euros are set in the following amounts: (from 50,000 to 99,999 euros) 181 days - 0.60%, 271 days - 0.70%, 367 days - 0.80%; (from 100,000 euros) 181 days - 0.75%, 271 days - 0.85%, 367 days - 0.95%.
"VIP-All inclusive". The following conditions are established for the deposit: minimum investment amount - 5,000,000 rubles, 50,000 dollars/euro; term – 181, 271, 367 days; the minimum contribution is 5,000,000 rubles, 50,000 euros or dollars. For ruble deposits, rates are set as follows: (from 5,000,000 to 9,999,999 rubles) 91 days - 8.25%, 181 days - 8.35%, 271 days - 8.45%, 367 days - 8.70 %; (from RUB 10,000,000) 91 days - 8.40%, 181 days - 8.50%, 271 days - 8.60%, 367 days - 8.85%. Interest rates on deposits in dollars are set in the following amounts: (from 50,000 to 99,999 dollars) 91 days - 0.10%, 181 days - 0.80%, 271 days - 1.25%, 367 days - 1.60 %; (from $100,000) 91 days - 0.25%, 181 days - 0.95%, 271 days - 1.40%, 367 days - 1.75%. Interest rates on deposits in euros are set in the following amounts: (from 50,000 to 99,999 euros) 181 days - 0.40%, 271 days - 0.50%, 367 days - 0.55%; (from 100,000 euros) 181 days - 0.55%, 271 days - 0.65%, 367 days - 0.70%.

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All deposit lines presented at Trust Bank are characterized by high liquidity. Clients are allowed to replenish their deposits, partially withdraw funds from them and, at their discretion, choose the method of receiving interest income

In contact with

At Trust Bank, deposits for individuals are opened under the following conditions:

Income - up to 9.85% in rubles, up to 2.6% in dollars, up to 1.15% in euros. The level of income for a number of products is determined by the size of the minimum balance.
The first installment is from 5 thousand to 10 million rubles, from 100 to 100,000 dollars, from 100 to 100,000 euros.
The upper threshold for the amount is not limited.
Interest is calculated monthly, annually and at the end of the term.
Receiving income - to a deposit account, to a card, to a t/c in a bank.
Capitalization - no.
The validity period of deposits is from 3 months to 2 years.
Replenishment and consumption - yes.
Termination of a contract on preferential terms - yes.
Automatic renewal - yes.

Line of deposits, their features

Individuals are provided with a large selection of deposits for placing and increasing funds:

"Our people"

The program is designed for maximum rates from 8.7% to 9.4% and special conditions for early demand. Initial amount: from 30,000 RUB, 500 USD or 500 EUR. The deposit period is 3, 6, 12 or 18 months. Deposits and early withdrawals are excluded.

Interest is transferred at the end of the deposit period to his account. Automatic renewal of the contract is carried out at the “on demand” rate. When withdrawing money ahead of schedule, interest is calculated according to a special program, taking into account the timing of the placement of funds (see table).

*** the amount of interest accrued meets the conditions of the “on demand” program.

Optimal course

Depositors are encouraged to open an account with attractive rates and the ability to convert money between accounts on preferential terms. To open an account, just contact the department or use the TRUSTonline electronic system. The program does not provide for additional increases in the amount of the deposit, expenses and auto-renewal. Account rates 5.8% - 9.4%. The contract period is 367 days.

Interest is transferred on the last day of the agreement. Early refunds are allowed. The amount of the down payment varies from 30,000 rubles, 500 dollars or 500 euros.

RUB rates:

"Generous Interest"

Features: possibility of remote opening and automatic prolongation at the “On Demand” rate. There is no provision for partial expenditure or increase in the amount until the end of the term. Rates vary in the range of 8.6% - 9.3%. The contract period is 3, 6, 12 or 18 months.

Minimum deposit size: 30 thousand rubles, 500 dollars or 500 euros.

Interest is credited on the contract expiration date:

If the client does not claim the funds on the expiration date of the contract, it will be renewed automatically under the terms of the “on demand” program. In case of early withdrawal of money, a special rate is applied, which determines the period for placing the money in the account.

"All inclusive+"

Within the framework of the program, early withdrawal of cash and making additional contributions, automatic prolongation are allowed. Interest is calculated every month or at the end of the term. It is possible to register an account remotely through the TRUST ONLINE system. The interest rate is 7.85% - 8.65%. The contract duration is 3, 6 or 12 months. Minimum balance and down payment - 30 thousand rubles, 500 dollars or 500 euros.

Interest in RUB

Bets in USD

"Maximum advantages 2016"

A unique offer with the possibility of remote opening, increasing the amount during the term and spending within the minimum balance. Convenient terms for placing capital. Interest is calculated every month or at the end of the term. It is possible to open an account through TRUSTonline. Rates 7.85% - 8.35%. Terms 91 or 181 days. Down payment and minimum balance: 100 thousand rubles, 1,000 dollars and 1,000 euros. Early withdrawal of funds is provided.

Interest in RUB

Pension income

Attractive rates, replenishment and partial withdrawal are the main advantages of the deposit. There is no automatic renewal of the contract. Income from 8% to 8.65%. The duration of the agreement is 181, 367, 546, 730 days. Down payment and minimum balance: 5 thousand rubles, 100 dollars and 100 euros. Full or partial refunds are provided until the end of the term. Account opening is carried out only in bank branches by citizens of the Russian Federation aged 55 years (for the female category of clients) or 60 years (for the male audience of depositors).

RUB rates

VIP client 2016

Opening through remote services, transferring interest income once a month or at the end of the term are the key features of the deposit. The possibility of additional credits and partial expenses is excluded. Upon expiration of the contract, it is automatically renewed. Rates 9% - 9.85%. Period - 3, 6, 9, 12 or 18 months. When making a deposit, you must have your passport and an amount of 5 million rubles, 50 thousand dollars or 50,000 euros.

How is income calculated in RUB:

VIP cumulative

Account opening is carried out only online; clients are advised to pay attention to the possibility of replenishment and the absence of partial expenditure and auto-renewal. The bank transfers interest once a month or at the end of the term - at the client’s choice. Rates from 8.45% to 9.1%. The duration of the contract is 3, 6, 9 or 12 months. An account is opened for amounts ranging from 5 million rubles, 50 thousand dollars and 50 thousand euros.

Income amount in RUB

VIP all inclusive

The opening of an account is carried out remotely, it is possible to increase and spend the amount during the term, and auto-renewal. Calculation of accrued interest - once a month or at the end of the contract. The income range is 8.25% - 8.85%. The terms vary from 3, 6, 9 to 12 months. Min. the amount when opening an invoice is 5 million rubles, 50 thousand dollars and 50 thousand euros.

RUB rates

Poste restante

As part of the program, clients are given the opportunity to partially withdraw and increase the amount in the account before the end of the term; the contract period is not limited. Interest is calculated at the end of the year or upon account closure. Initial payment from 100 rubles, 10 dollars or 10 euros. Interest income is added to the deposit amount (capitalization). Funds placed on the account are issued upon request. Rates - 0.1% on all accounts.

Opening a deposit

Placement of capital in NB TRUST is carried out in one of the convenient ways:

Through banking departments (it is enough to prepare your passport and money).
Through online banking TRUST ONLINE (if you have a card account, loan or other service displayed in online banking, money for the first deposit in the account).

Features of calculating interest income

According to the current bill, the bank accrues interest amounts on a daily basis, and the terms and options for their payment are determined within the framework of the agreement. The method of transferring income depends on the client’s choice: every month or at the end of the year, with the exception of “Our People”, “Generous Interest”, “Accumulative 2016” and “Multicurrency 2016”, where income is available at the end of the term.

The main advantages of NB TRUST include high rates for partial withdrawal of funds:

up to 90 days “On demand” rates are used;
from 90 days – 5% in rubles, 0.5% in $, 0.1% in €;
Based on the terms of the programs, it is possible to use “On demand” rates.

List of documents

To place public funds in NB TRUST, standard documentation is required:

From private individuals - passport of a citizen of the Russian Federation or non-resident of Russia, residence permit.
From pensioners - additional provision of a pension certificate.

Registration of insurance

The bank participates in the SSV, which makes it possible to obtain a guarantee of compensation for insurance payments in the event of bankruptcy of an institution, its amount reaches up to 1.4 million rubles.

Tax obligations

Under the current bill, interest income from deposits is subject to income taxation, its parameters vary from 30 to 35%. The tax is used when rates exceed the specified amounts:

for ruble deposits – 5% + refinancing rates (11%);
for currency programs - 9%.

The established limits do not exceed the current rates on NB TRUST deposits, but if it is necessary to pay tax, it should be understood that only a portion of the funds received in excess of the limits provided for by law is subject to taxation. The credit institution independently calculates, withholds and transfers the required amount of money to the budget.

Deposit replenishment methods

If within the framework of the agreement there is the possibility of additional deposits of funds, the client is asked to find out the details used for transferring money, the amount of payment and the timing of transactions.

NB TRUST offers the following account replenishment options:

through a department, self-service device, or TRUST Online;
using the services of other organizations;
using payment systems;
through mobile and online banking of other companies;
through the accounting department of the company, where salaries are calculated.

The latter option eliminates the need to pay a commission, and the frequency of payments is determined by the timing of salary accrual.

Withdrawals

Withdrawal methods are determined by the timing of the deposit:

when withdrawing money at the end of the deposit period in cash, the client calls the department employees back and informs the date/amount;
When withdrawing money before the deposit deadline, a preliminary application is required.

Receipt of money is carried out both in cash through a banking branch, and by non-cash transfer to a t/c or card.

Closing an account

To close a deposit through a bank branch, clients must present a passport, an agreement and fill out the appropriate application.

Accounts opened using online banking have the option of remote closure.

Why did the bank increase rates?

At the beginning of 2017, analysts were puzzled by Trust’s sharp increase in interest on deposits in domestic currency - over six months by 0.55% for amounts up to 500,000 rubles, and by 0.45% for larger investments. Many argue that this course of events does not depend on the market situation, the Central Bank lowered rates, and the financial institution changed offers.

Experts argue that the general nervousness of banks is provoked by rising interest rates in the financial system and a shortage of liquid assets. Banks are also focused on the comments of the Central Bank regarding the key rates of September 16, and the increase in contributions to the public reserve, which negatively affects liquidity. From April 1, the Central Bank increased the reserve requirements for foreign currency deposits of legal entities by 1%, and from July – by another 1%, but this time for the accounts of private clients.

A sudden increase in rates for short-term placements of funds from the population could be provoked by Otkritie Financial Corporation, which decided to use Trust to test the market on the eve of the release of OFZs from the Ministry of Finance for individuals. OFZs are a more profitable solution regarding deposits - time deposits in large financial companies bring up to 8%, and OFZs easily allow you to get more than 8.5%.

What to look for when choosing a company?

National Bank "TRUST" is one of the largest participants in the banking system of the Russian Federation, founded in 1995. Included in the TOP-25 credit institutions of the Russian Federation. The bank is recommended as one of the largest owners of a network of branches and ATMs, and a full member of the IPS Visa and MasterCard, and participates in the state insurance system of deposits of individuals. The bank's activities are based on retail lending, cash settlement services for legal entities and attracting savings from the population.

Since 2015, Otkritie FC has been involved in the financial rehabilitation of Trust and plans to merge it by 2020. During the event, the organization being rehabilitated continues to operate as usual, accepting and issuing deposits, conducting RRR operations, resuming the issuance of loans and other operations. Many potential clients are afraid to place their own savings in a credit institution being rehabilitated.

The presence of financial injections from the Central Bank and the DIA indicates an increased interest of regulatory authorities in stabilizing the activities of the institution. Forecasts regarding the bank's stability are positive.