Deposits for pensioners in Promsvyazbank are currently one of the most profitable among all banks in Russia. Therefore, people of retirement age should pay attention to this bank, because they always want to save and increase their savings, increase their monthly income and increase financial stability.

After all, older people always want to help their children and grandchildren, buy them nice things and take care of them with constant love. And, of course, as you age, medical and drug costs increase.

Deposits in Promsvyazbank for 2020 for pensioners are very diverse, everyone will have something to choose from.

After all, Promsvyazbank is one of the largest banks in Russia, it has a large branch network throughout the country and it simply cannot help but have a wide range of programs. Each deposit is individual, so everyone will find a suitable program.

• • A deposit can be opened in a mobile bank, a bank office, and even at an ATM!
  • You will receive +0.1% interest rate if you open an account through a mobile bank or ATM. This is a nice bonus.
  • You can put additional savings into the deposit. But only in the first month after opening the account.
  • Funds cannot be spent.
  • The program can be opened for 0.5 years; 1; 1.5 and 2 years – for rubles and only 0.5 year and 1 year – for dollars.
  • Rates - from 5.95% to 6.4% - on ruble accounts and from 1.2% to 1.55% - on $.
  • No Max for attachments.
  • The minimum amount for opening is 10,000 rubles if you open a deposit through an ATM, or 100,000 rubles for opening at a bank office. For $ everything is the same - from $15,000.
  • Capitalization at the end of the contract.

• • Rates: from 1 to 90 days – 6%; from 90 to 180 days – 6.15%; from 180 to 270 days – 6.2% and from 270 to 360 days – 8%.
  • Only in rubles.
  • You can put additional savings into the deposit. But only in the first two months after opening the account.
  • Funds cannot be spent.
  • Automatic renewal, but no more than three times.
  • You can open a deposit and register it for any person.
  • If you terminate the contract early after 90 days, your interest rate will be halved. And if the deposit is closed before the 90th day, then the rate will be 0.01%.
  • The program can be opened from 1 day to 1 year.
  • Max investment – ​​20 million rubles.
  • Capitalization at the end of each period.

• • The program can be opened from 1 month to 3 years.
  • Rates range from 4.5% to 5.75% each year for rubles, and 0.1% for euros and dollars.
  • Max attachments – no.
  • The minimum amount for opening is 10,000 rubles or 300 dollars, euros.
  • Interest is capitalized at the end of the period.
  • A deposit can be opened in a mobile bank and a bank office.
  • Each period has its own percentage according to the program.
  • You can put additional savings into the deposit. If you opened a deposit for a month, in the first 15 days, if for three months, and in the remaining periods in the first 30 days.
  • Funds cannot be spent.
  • Automatic renewal, but no more than three times.
  • You can open a deposit and register it for any person.
  • If you terminate the contract early after 90 days, your interest rate will be halved. And if the deposit is closed before the 90th day, then the rate will be 0.01%.

It is important to know! If you open a deposit for a certain amount, you will be connected to a package of services for free:

• If you deposit more than 100,000 rubles, they will open the “Your PSB” package.
• If you deposit more than 500,000 rubles, they will open the “Your PSB+” package.
• If you deposit more than 1 million rubles, you will open the “Your PSB Premium” package.
• If you deposit more than 2 million rubles, you will open the OrangePremiumClub package.
• • The program can be opened for 0.5 – 2 years.
  • Rates range from 4.75% to 5.25% each year for rubles, and 0.1% for euros and dollars.
  • Funds cannot be spent.
  • You can open a deposit and register it for any person.
  • Max for investments – 20 million rubles or 50 thousand euros or dollars.
  • The minimum amount for opening is 50,000 rubles or 300 dollars, euros.
  • Monthly capitalization.
  • A deposit can be opened in a mobile bank and a bank office.
  • Each period has its own percentage according to the program.
  • You can put additional savings into the deposit. Only in the first month.
  • Automatic renewal, but no more than three times.
  • If you have the “Your PSB Premium” and “Orange Premium Club” packages, then you will receive +0.15% to the main interest rate. A nice bonus.

• • The program can only be used by a person who has purchased an investment life insurance policy.
  • You can only make a deposit for yourself.
  • Only for ruble investments.
  • The program can be opened for six months or a year.
  • Rates – from 7.75% to 7.85% annually.
  • Max for investments – 3 million rubles.
  • The minimum amount for opening is 50,000 rubles.
  • Interest is capitalized at the end of the period.
  • A deposit can only be opened at a bank office.
  • You cannot spend funds, just like you cannot replenish them.
  • Automatic renewal, but no more than three times.
  • If you terminate the contract early after 90 days, your interest rate will be halved. And if you closed the deposit before day 90, the rate will be 0.01%.

How to open a deposit: calculating income from the program

Opening a deposit for pensioners and other individuals in 2020 at Promsvyazbank is very simple. You just need to know what kind of deposit and how you can open it. It should be immediately noted that you can open any Promsvyazbank deposit for pensioners in 2020 at any bank branch.

Important! It is possible to open some deposits through a mobile bank or even through an ATM. You can check with specialists at a bank branch or call the hotline which programs provide these opening options.

Experts will be able to provide professional advice and suggest which investment is right for you.

One of the most important aspects when choosing a program is calculating the profitability that a particular investment will bring you. By going to the official website of Promsvyazbank - “Deposits”, you will find a “Deposit Calculator”.

By entering the amount of the expected deposit and a few other parameters that interest you, you will be able to assess which deposit is the most profitable and convenient.

Important to know: deciphering banking terms

Capitalization is the accrual of % by %. That is, when interest is calculated every month, and the next interest is calculated from the larger amount that you had at the end of the previous month.

Deposit insurance is a guarantee of stability. If the bank goes bankrupt, disappears, or other unprecedented incidents happen to it, then, according to Federal Law 177, the Deposit Insurance Agency (DIA) will return the deposit amount up to 1,400,000 rubles.

Automatic extension - if you have not closed the deposit yourself and have not withdrawn all the money from it, then the deposit will be extended for the same period and under the same conditions.

Savings account at Promsvyazbank

In addition to the usual deposits for pensioners, Promsvyazbank also has savings accounts; they are also included in the line of deposits and with the help of them you can increase your monthly income.

• • It is possible to open only in rubles.
  • An account can be opened either through a mobile bank or at a bank office.
  • Guaranteed rate – 6.5% every year.
  • There is no "ceiling" for the account.
  • You can top up for any amount and at any time.
  • You can withdraw money.
  • Monthly capitalization.

All these programs for deposits and savings accounts make Promsvyazbank one of the most interesting banks for investing accumulated funds by any person, including pensioners.

Attention! Due to recent changes in legislation, the legal information in this article may be out of date!

Our lawyer can advise you free of charge - write your question in the form below.

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For Promsvyazbank, the reliability rating for 2016 is currently defined as “Stable”, but with the mark “AA-”. However, this should not worry you much, since, firstly, all deposits in Promsvyazbank today are DIA, and secondly, this is a bank that is important for the economic system of Russia (). Nothing bad will definitely happen to him in the next year.

Promsvyazbank: deposit rates

• “Maximum opportunities” - up to 10.5% in rubles with the possibility of withdrawal and replenishment. Amount – from 300,000 rubles. for 367 days;
• “My benefit” - up to 10.8% in rubles, up to 3% in foreign currency without the possibility of replenishment and withdrawal. Amount – from 10,000 rubles/300 USD, period – from 32 to 1095 days;
• “My piggy bank” - up to 9.45% in rubles, up to 2.53% in foreign currency with the possibility of replenishment. Amount – from 10,000 rubles/300 USD, term – from 181 or 367 days;
• “Multi-currency basket” - up to 9% in rubles, up to 2.7% in foreign currency with the possibility of withdrawal and replenishment. Amount – from 10,000 rubles/300 USD, period – 184 or 397 days. In Promsvyazbank, deposits in foreign currency for individuals in 2016 are more profitable to open precisely under this offer;
• “My opportunities” - up to 9.02% in rubles, up to 2.46% in foreign currency with the possibility of replenishment and partial withdrawal. Amount – from 50,000 rubles/1000 USD, term – from 181, 367 or 731 days;
• “My pension” of Promsvyazbank is deposits of individuals 2016 for pensioners with a high rate for small amounts - up to 9.35% in rubles, up to 2.56% in foreign currency. Deposit with the possibility of replenishment and partial withdrawal. Amount – from 3000 rubles/500 USD, term – from 181, 367 or 731 days;
• “Savings account” is an account with the ability to replenish and withdraw without restrictions in rubles up to 6.5%., in foreign currency - up to 1.2%. The program is valid until December 31, 2015!
• Deposit “10.5%” up to 10.5% in rubles with the possibility of withdrawal and replenishment. Amount – from 300,000 rubles. for 367 days.

The deposit calculator on the bank’s website will help you make a detailed calculation of your deposit at Promsvyazbank.

What deposits of individuals are there in Promsvyazbank today?

Promsvyazbank today has the entire traditional range of deposits in rubles, US dollars and euros.

At the same time, the percentage of deposits in PSB is quite high, especially compared to the profitability offered by other most reliable banks in Russia. Judge for yourself:

1. “My income” - up to 6.75% in rubles;

2. “My benefit” - up to 6% per annum;

3. “My piggy bank” - replenishable with a rate of up to 6.46%;

4. “My opportunities” - with replenishment and partial withdrawal without loss of interest at 6.01%;

5. “My Strategy” - investment deposit with a rate of up to 8.5% in rubles.

There are also Savings accounts, which involve more flexible management of funds in the bank:

1. “Honest rate” - up to 6% per annum in rubles;

2. “Emphasis on percentage” - up to 8%;

3. “Profitable” - with a rate of 5.5% per annum.

You can see their review

And on this page, site correspondents will consider in detail the conditions and interest rates of all Promsvyazbank deposits operating today for individuals.

Promsvyazbank deposits for individuals in 2020: interest and conditions

This year the bank changes deposit rates quite often. Sometimes this happens twice a month and it is quite difficult to keep up with updates. See what deposits of individuals, and on what conditions, can be opened today at Promsvyazbank for residents of Moscow, St. Petersburg and other Russian cities.

Deposits at maximum interest

Promsvyazbank deposit “My income”

This deposit has a maximum interest rate, as well as the possibility of early termination on preferential terms. When closing a deposit after the 90th day, interest is paid at the rate of 1/2 of the interest rate established at opening. Replenishment and partial withdrawal of money without loss of interest are not provided for by the conditions. You can open it in the office, online banking or ATM.

Conditions

• Duration: 122, 181, 367, 547, 731 days;
• Amount: from 10,000 rubles, 10,000 dollars or euros;
• Replenishment: provided only in the first 30 days;
• Partial withdrawal: not provided;

Interest rate

See interest rates on deposits at Sovcombank.

Promsvyazbank deposit “My Benefit”

This is a classic deposit for individuals without the possibility of replenishing and withdrawing part of the funds. But you can close the deposit on preferential terms: after the 90th day, interest is paid at the rate of 1/2 of the interest rate established at opening or prolongation. You can open it at the Promsvyazbank office and in the Internet bank.

Conditions

• Currency: Russian rubles, US dollars, euros;
• Duration: 32 - 731 days. in rubles / 91 - 1095 days. in US dollars and euros;
• Amount: from 10,000 rubles / from 300 dollars / euros;
• Replenishment: provided in the first 1-30 days depending on the period;
• Partial withdrawal: not provided;
• Interest payment: at the end of the term.

Interest rate

Deposits with replenishment

Promsvyazbank deposit “My piggy bank”

This deposit may be of interest to those who intend to save money in rubles or US dollars. You can top it up, but you won’t be able to partially withdraw money without losing interest. Another feature of the deposit is the possibility of monthly withdrawal of interest; it is also possible to capitalize it on the account. You can open it in the office and in Internet banking.

Conditions

• Currency: Russian rubles, US dollars;
• Amount: from 10,000 rubles / 300 dollars;
• Replenishment: provided;
• Partial withdrawal: not provided;
• Interest payment: monthly capitalization or payment to the account.

Interest rate

Allowances:

• + 0.1% for owners of banking service programs when opening a deposit for a period of 6 months in an amount of 500,000 rubles.

See interest rates on deposits at Rosselkhozbank.

Deposits with partial withdrawal without loss of interest

Promsvyazbank deposit “My Opportunities”

This deposit in rubles, US dollars or euros can be beneficial for those who plan to replenish the deposit and withdraw money from the account if necessary. The interest rate, of course, is low, but this is a price to pay for the convenience of handling money. An important feature of the deposit is the possibility of monthly withdrawal of interest; their capitalization is also allowed. You can open it at the Promsvyazbank office and in the Internet bank.

Conditions

• Deposit currency: rubles, dollars, euros;
• Duration: 181, 367, 547, 731 days;
• Amount: from 50,000 rubles / 300 dollars or euros;
• Replenishment: provided;
• Partial withdrawal: provided.
• Interest payment: monthly capitalization or payment.

Interest rate

Allowances:

• + 0.15% in rubles for owners of banking service programs when opening a deposit for a period of 6 months in an amount of 500,000 rubles;

See interest rates on deposits at Moscow Credit Bank.

Deposit with the purchase of an investment product

Promsvyazbank contribution “My Strategy”

This deposit can be opened for individuals by clients who have taken out a policy under the Investment or Endowment Life Insurance program. The deposit is not replenished, expense transactions are not provided. Interest is paid at the end of the term. A deposit can only be opened at a bank office, and it cannot be issued in favor of third parties.

Conditions

• Duration: 181, 367 days;
• Amount: from RUB 50,000;
• Replenishment: not provided;
• Expense transactions: not provided;
• Interest payment: at the end of the term.

Interest rates

Investment life insurance

Endowment life insurance

In case of early termination of the investment life insurance contract, the interest rate of the deposit may be reduced by 2 percent!

See interest rates on individual deposits at VTB Bank.

To preliminary calculate the profitability of a Promsvyazbank deposit for individuals, you can use this online calculator form.

Conclusions: what is the most profitable deposit in Promsvyazbank

Judging only by the interest rate, the “My Strategies” deposit may seem the most profitable today. But it cannot be opened without taking out a life insurance policy. This makes it not very convenient for ordinary individuals. Therefore, let’s temporarily put it aside and consider other options.

“My income” – 6.65%;

“My benefit” – 6.0%.

The conclusion is obvious. Making a “My Income” deposit will be more profitable for a period of 1 year. But in order not to make a mistake, it is better to calculate the income for each deposit based on its parameters - term and amount.

The “My Piggy Bank” and “My Opportunities” deposits can also be interesting as additional financial instruments to the main deposit, which will generate maximum income.

What is the best way to open a deposit in PSB?

Promsvyazbank deposits can be made for individuals at bank branches or via the Internet.

Office decoration

• - Visit the bank office with a passport or other identification document.
• - Sign the application for adherence to the rules for placing deposits and other necessary documents, which the bank operator will print for you.
• - Deposit the deposit amount in cash through the cash desk or make a transfer from any of your accounts opened with Promsvyazbank.
• - After depositing funds (cash or transfer from the account), the operator will give you confirmation of the bank deposit.

Registration via Internet banking

• - Issue a card or open an account and conclude a remote banking service agreement at any Promsvyazbank office. If you are already connected to Promsvyazbank’s Internet banking, then you get the opportunity to open deposits online automatically.
• - Go to your personal account in the Internet bank of Promsvyazbank in the “Deposits” section.
• - Click the “Open deposit” button on the screen and select the deposit that suits you.
• - Money in favor of an open deposit of your choice will be debited from your bank card account, current account or demand deposit opened with Promsvyazbank.
• - Confirm the operation and the deposit is opened.
• - You can receive a document confirming the opening of a deposit at any Promsvyazbank office.

Why do many residents of our country choose Promsvyazbank to open a deposit? There are probably several reasons for this.

√ First of all, it's convenient.

The regional network of Promsvyazbank today includes more than 270 branches, which are located not only in Moscow And St. Petersburg, but also in many other cities of Russia. The bank is actively developing Internet services, this makes contacting PSB quite convenient.

√ Secondly, it is reliable.

Promsvyazbank today is one of the largest banks in Russia and is recognized by the Central Bank of the Russian Federation as one of the systemically important financial institutions. This means that the state will not allow the bank to burst, even if difficult days come. The reliability of Promsvyazbank can also be confirmed by the fact that it was chosen as a support bank for the implementation of state defense orders and support of large government contracts.

Are Promsvyazbank deposits insured for individuals?

In 2020, Promsvyazbank is placing funds of individuals at interest in rubles and foreign currency. Residents of Moscow have access to a range of basic tariff plans and premium deposits in the Private Banking segment.

Terms of deposits

Clients of Promsvyazbank can choose a suitable deposit depending on their current needs: classic or investment, with the possibility of partial withdrawal of funds and replenishment or without such options, with monthly capitalization of interest or payment to a separate account.

The maximum interest rate is set for the “My Strategy” product. It is available to clients who have taken out an investment life insurance policy. Interest is paid upon expiration of the contract.

Premium deposits are opened if the client has a valid agreement to connect to the Private Banking program.

Registration of Promsvyazbank deposits in Moscow

To make a deposit, the client must contact one of the Promsvyazbank offices with a passport. After completing the documents, the investor deposits money in cash. It is also possible to transfer funds from an account opened with a bank. After this, the client receives documentary confirmation of the deposit and payment of the required amount.

Investors can also use the PSB-Retail Internet banking system. To do this, you need to come to the Promsvyazbank office and open a current account (get a bank card) and sign up for a remote service. Funds for placement will be debited, at the client’s choice, from a current account or bank card account. The client can receive documentary confirmation of the deposit and deposit of the required amount of money at the bank office.

In 2020, Promsvyazbank offers to open profitable deposits for individuals at high interest rates. Let's look at what rates ordinary investors, pensioners and premium clients can claim today.

Promsvyazbank is one of the top 10 largest banks in Russia and is a universal commercial bank whose history goes back 20 years. It was recognized by the Central Bank of the Russian Federation as one of the financial institutions.

Promsvyazbank branches operate in Moscow, St. Petersburg, Krasnodar, Nizhny Novgorod and many other cities of Russia. Promsvyazbank's regional network includes more than 300 offices, more than 10,000 ATMs (including ATMs of partner banks) and more than 200 self-service terminals throughout the country.

Promsvyazbank was chosen as a support bank for the implementation of state defense orders and support of large government contracts, providing a full range of services to retail and corporate clients, small and medium-sized businesses, the website reports.

Promsvyazbank deposits for individuals are insured by the state, which means the depositor can always count on compensation in the amount of up to 1.4 million rubles.

Promsvyazbank deposits for pensioners: increased rates

Pensioners can apply for any of the deposits offered by Promsvyazbank under general conditions. But today the bank’s line of deposits also includes special offers for women over 54 and men over 59. They can get surcharge to the interest rate of + 0.1% when opening or prolonging deposits: “My income”, “My piggy bank” and “My opportunities”.

Promsvyazbank 2020: interest on deposits of individuals

In 2020, Promsvyazbank deposits for individuals can be opened in rubles, dollars and euros, depending on the strategies for accumulating funds. Today, pensioners have increased rates on the “My Piggy Bank” deposit, and there are special deposits for premium clients. The website has compiled an up-to-date overview of Promsvyazbank’s current deposits.

Promsvyazbank deposit “My income”

This is a classic deposit for individuals with the opportunity to receive maximum income and early termination on preferential terms, the website reports. You can apply for it at the branch or online. The deposit may be opened in favor of third parties.

Conditions

• Currency: Russian rubles / US dollars;
• Deposit term: 122, 181, 367, 547, 731 days;
• Minimum amount: 10,000 rub.
• Expense transactions: not provided;
• Replenishment: provided within the first 30 days from the opening date;

Interest rates

Allowances:

0.10% when placing or prolonging a deposit for pensioners (provided to women over 54, and men over 59 with a deposit amount of 100,000 rubles).
+ 0.10% when placing a deposit in the Internet and mobile banking, as well as at ATMs.

Calculation. The maximum return on the “My Income” deposit of 7.5% per annum in rubles is achieved when opening an online deposit in the amount of 1 million rubles or more for a period of 547 days. In this case, the income for 1.5 years will be 112,397 rubles. You will receive 1,112,397 rubles in your hands.

Calculate possible income on deposit

Few? See what interest rates on deposits are offered today

Promsvyazbank deposit “My Benefit”

This is a replenished deposit for individuals with the opportunity to receive a decent income and early termination on preferential terms. It can be opened at the bank’s office and in the PSB-Retail Internet bank.

Conditions

• Currency: Russian rubles, US dollars, euros.
• Duration: 32-731 days. in Russian rubles / 91-1095 days. in US dollars and euros;
• Minimum amount: from 10,000 rubles / 300 US dollars / 300 euros;
• Replenishment: provided;
• Expense transactions: not provided.
• Interest payment: at the end of the deposit term.
• Conditions for early termination: preferential. When closing a deposit after the 90th day, interest is paid at the rate of 1/2 the interest rate.

Interest rates

Allowances:

0.10% when placing a deposit in the Internet and mobile banking.

Doesn't fit? See what interest rates on deposits are offered today

Promsvyazbank deposit “My piggy bank”

This is a replenishable deposit with monthly interest accrual. They can be received in person, or they can be capitalized by increasing the amount of the deposit. For premium clients there is an addition to the interest rate.

Conditions

• Currency: Russian rubles, US dollars.
• Duration: from 181 to 731 days;
• Minimum amount: RUB 10,000/USD 300;
• Replenishment: provided;
• Expense transactions: not provided;
• Interest payment: monthly capitalization or payment to the account;

Interest rates

Allowances:

Promsvyazbank deposits "My capabilities"

This is a so-called “expendable” deposit for individuals with the ability to replenish and withdraw funds without losing interest. There is a surcharge for premium clients. You can open a deposit at a bank office or in the PSB-Retail Internet bank.

Conditions

• Deposit term: from 181 to 731 days;
• Minimum amount: 50,000 rub. / US$300;
• Maximum amount: RUB 20 million / USD 500,000;
• Replenishment: provided;
• Expense transactions: provided without loss of interest, subject to maintaining the minimum balance on the deposit.
• Interest payment: monthly capitalization or payment to the account of the client's choice.
• Conditions for early termination: at the “on demand” deposit rate.

Interest rates

Allowances:

0.15% for owners of banking service programs when opening a deposit for a period of 6 months in an amount of 500,000 rubles.

0.10% for pensioners when opening a deposit for a period of 6 months in an amount of 10,000 rubles.

0.10% when placing a deposit in the Internet bank.

Not satisfied? See what deposit rates are in

Promsvyazbank contribution “My Strategy”

This is a comprehensive solution for effective savings. Clients who have taken out a policy under the investment life insurance program can open a deposit.

Conditions

• Deposit term: 181, 367 days;
• Minimum amount: 50,000 rubles;
• Maximum amount: 3 million rubles;
• Replenishment: not provided;
• Expense transactions: not provided.
• Interest payment: at the end of the term.

Interest rates

> 8.0% per annum for amounts over 50,000 rubles;

> 8.2% per annum for amounts over 1 million rubles.

In case of early termination of the investment life insurance contract, the deposit interest rate may be reduced by 1 percentage point!

See also what interest rates on deposits are offered today

Promsvyazbank savings accounts

To store savings, clients can open not only Promsvyazbank deposits, but also savings accounts. They combine flexible terms for managing funds and high returns.

1. Savings account “Profitable”

The account offers more flexible conditions and the opportunity not only to save money without much effort, but also to receive additional income both in rubles and in foreign currency. The account is available for opening at the bank's office and on the Internet. Connecting accumulation rules: “Refilled-accumulated” and “Bought-accumulated”.

Conditions

• Currency: Russian rubles;
• Minimum account balance during a calendar month: from 5,000 rubles;
• Replenishment: no restrictions on amount and period;
• Withdrawal: without loss of interest;
• Monthly interest payment;
• Interest paid is capitalized.

Interest rates

See what interest rates have the most profitable deposits for pensioners in

2. Savings account "Emphasis on percentage"

This offer may be especially beneficial for those who regularly pay for purchases using Promsvyazbank debit or credit cards, and for quite large amounts. You can open an Accent on Interest savings account at a bank office or in mobile or online banking.

Conditions

• Minimum contribution: not established.
• Replenishment: no limits.
• Withdrawal: no restrictions.
• Interest payment: monthly with capitalization.

Base interest rates

If the minimum account balance is more than 700 thousand rubles, then for an amount up to 700 thousand rubles the client will receive income at a rate of 6.5% per annum, for an amount over 700 thousand rubles - at a rate of 5.5% per annum!

How to get a higher rate?

Pay for purchases with PSB cards in the amount of 10,000 rubles and more and receive a rate premium of 0.3% to 1.5%.

The maximum rate of 8% per annum on the “Accent on Interest” account can be obtained if you have up to 700,000 rubles in the account and spend from 85,000 rubles per month on the PSB card.

Promsvyazbank deposits for premium clients

1. Contribution "Orange Welfare"

This is a banking product for premium clients, which allows them to receive a high rate on a bank deposit, as well as form target capital and provide financial support in an unforeseen situation.

One part of the client’s funds is placed in a deposit with a higher interest rate, and the other is placed in one of the accumulative life insurance programs (CIS) of Ingosstrakh-Life Insurance Company.

Conditions

	Contribution	NSJ
Currency	Russian rubles	Russian rubles
Term	181, 367 days	From 10 years
Minimum amount	from 50,000 rubles	from 100,000 rubles (for first-year contributions) or from 400,000 rubles (for one-time contributions)
Replenishment	Not provided	By additional contributions to the program
Payment of interest/income	At the end of the term	At the end of the term
Expense transactions	Not provided	Not provided
Yield/amount upon early termination		According to the rules for calculating redemption amounts
Insurance in DIA	Insured	Not insured

Interest rate

> 8.0% per annum in rubles for a period of 181 days;

> 8.2% per annum in rubles for a period of 367 days.

2. Contribution "Investment income"

This is a comprehensive deposit for premium clients, combining the reliability of a bank deposit and investment opportunities of the stock market.

One part of the client’s funds is placed on a time deposit with a higher interest rate, and the other is invested in mutual investment funds (UIF) managed by PROMSVYAZ Management Company.

Conditions

	Contribution	mutual fund
Currency	Russian rubles, US dollars	Russian rubles
Term	184 days	Is not limited
Minimum amount	50,000 rubles	50,000 rubles
Replenishment	Not provided	By purchasing additional shares
Payment of interest/income	At the end of the term	When redeeming shares
Expense transactions	Not provided	By redeeming shares
Yield upon early termination	At the deposit rate "On demand"	The difference between the value of the unit upon purchase and redemption
Insurance in DIA	Insured	Not insured

Interest rates

> 7.7% per annum in rubles.

How to make a deposit: instructions

You can open a deposit at Promsvyazbank in two ways: in a branch and online via the Internet.

How to make a deposit via online banking

1. Issue a card or open an account and enter into a remote banking service agreement at any bank office.
2. If you are already connected to the PSB-Retail system, then you get the opportunity to open deposits through Internet banking automatically.
3. Log into your personal account in the PSB-Retail Internet bank in the “Deposits” section.
4. Click the “Open deposit” button on the screen and select the deposit that suits you.
5. Funds in favor of an open deposit of your choice will be debited from your bank card account, current account or demand deposit opened with Promsvyazbank.
6. Confirm the operation and the deposit is opened.
7. You can receive a document confirming the opening of a deposit at any bank office.

How to make a deposit at a bank office

1. Visit the bank office with your passport or other identification document.
2. Sign the application for adherence to the rules for placing deposits and other necessary documents, which the bank operator will print for you.
3. Deposit the deposit amount in cash at the cash desk or make a transfer from any of your accounts opened with Promsvyazbank.
4. After depositing funds (cash or transfer from the account), the operator will give you confirmation of the bank deposit.

List of documents for registration of a deposit

1. Identification document (passport or other document);
2. TIN (if available);
3. SNILS (if available).

Conclusion