Promsvyazbank offers the best deposits for individuals for 2015-2016 (the maximum percentage is up to 13.5% per annum), with various conditions and favorable rates.

All deposits are insured, there is a very profitable program for pensioners with a rate of 9.59% per annum.

It will not be difficult to open a deposit, on the official website of Promsvyazbank you can leave an online application for the program you like (an overview of all deposits, read on ...).

1. “Anniversary” deposit with the maximum percentage

If you want to open a deposit at the maximum percentage, then "Jubilee" is what you need.

The deposit is opened only in rubles, the rate is up to 13.5% per annum.

In order to open a deposit, you need to contact any branch of Promsvyazbank, with a Passport or other document that will verify your identity.

The deposit amount is from 50 thousand to 20 million rubles, the deposit can be replenished, by the way, the minimum replenishment amount is not limited.

The deposit can be opened for up to 250 days. The rate is calculated as follows (interest accrual periods): 1-50 days - 13.5%, 51-100 days - 12.0% per annum, 101-250 days - 10% per annum.

The deposit can be opened in favor of third parties.

The program of this contribution is no longer relevant ... (2.12.2015)

2. Deposit "My pension" from Promsvyazbank - the best for pensioners

This deposit can be opened in three currencies: rubles, dollars, euros.

Interest is paid either to a bank account on a monthly basis, or capitalized and issued at the end of the term.

The deposit cannot be opened for third parties, it is opened only upon presentation of a pension certificate.

The minimum amount for a ruble deposit is 3 thousand rubles, the maximum percentage is 9.35% per annum, the deposit can be opened for up to 2 years.

Currency	Initial sum contribution	Annual interest rate (in %):
		Deposit term in days
		181	367	731
Russian rubles	from 3000	8.65 / 8.50	8.95 / 8.60	9.35 / 8.60
U.S. dollars	from 500	1.50 / 1.50	2.53 / 2.50	2.56 / 2.50
Euro	from 500	1.10 / 1.10	2.12 / 2.10	2.19 / 2.15

Update: 2.12.2015

3. Deposit "Simple Rules" - the most convenient deposit

The deposit is opened: in rubles, dollars or euros. There are no time limits, you can multiply your money for five and ten years.

The minimum balance (irreducible) is not set, you can withdraw from the account as much as you want.

You can save interest on the account, or withdraw it monthly.

In general, the “Simple Rules” deposit is freedom in all deposit parameters: terms, replenishment, withdrawal, etc., but there is one minus, the interest on the deposit is not very large - from 2.50 to 6.00% per annum.

Undoubtedly, each person seeks to increase his capital using various types of tools for this. The official websites of existing banks are full of investment offers for individuals. The banking system notifies customers about modern and relevant offers on favorable terms.

At the moment, the leader among other banks is still Promsvyazbank. Its main advantage is stability, as it has established itself as a reliable assistant for many people in the financial services market. Addresses in Kaliningrad, Voronezh, Cherepovets, Nizhny Novgorod, Krasnodar, Syzran, Omsk, Rybinsk, Penza, Novosibirsk, Tula, Krasnoyarsk, Sarov, Krasnoyarsk, St. Petersburg, Smolensk, Moscow, St. Petersburg, Yaroslavl, Cheboksary, Dimitrovgrad, Tolyatti , Chelyabinsk and Irkutsk look below.

Promsvyazbank deposits in 2016

For pensioners

In 2016, a completely new program was launched for the elderly, which is distinguished by favorable conditions and offers. Everything is as simple and clear as possible. Transparency is guaranteed.

• 1. Deposit rate "Favorable pension". All that is needed for paperwork at rates is a pension deposit. Every month you will be able to receive your income in the form of interest. The minimum amount is only 3000 rubles. You can not worry - the attachment will automatically continue if you have not expressed a desire to close it. If it talks about the percentage benefit, then it is 9%. The term of the deposit is six months, a year.
• 2. Retirement benefit. This is the shortest of all types of investments. It is issued for a minimum period of 30 to 90 days. Interest is 11 units. But the minimum amount here is already growing and is about 10,100 rubles. As for the extension of the terms, it is possible to use the service no more than three times.
• 3. Easy rules. This can be said to be the easiest way to get an interest rate on pension payments. This is a current account that can be replenished every month and at the same time make expenses and transactions with accounts. The income that you will receive is 11%. The minimum investment is 5000 rubles.

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

Terms of deposits

Promsvyazbank customers can choose the appropriate deposit depending on their current needs: classic or investment, with or without partial withdrawal and replenishment, with monthly interest capitalization 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 at the end of the contract term.

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

Registration of deposits of Promsvyazbank in Moscow

To make a deposit, the client must contact one of the offices of Promsvyazbank with a passport. After the paperwork is completed, the depositor makes a cash deposit. It is also possible to transfer funds from an account opened with a bank. After that, the client receives documentary confirmation of the deposit and making the required amount.

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

It is possible to place a savings deposit with Promsvyazbank with the possibility of increasing the principal amount. The Bank has also developed a savings deposit program, which can be placed both in national and foreign currencies. The maximum interest rate is set for a savings deposit, which can be opened as part of a comprehensive product when applying for investment life insurance.

Features of deposits. When placing a deposit, the client needs to pay attention to the following features of Promsvyazbank programs:

• It is possible to increase the interest rate if the deposit is made using remote channels. Also, allowances are provided for pensioners and clients of the Bank who are owners of the Premium or Orange Club service package;
• It is allowed to make a deposit in favor of a third party; for this, a representative needs to visit a branch of the Bank;
• Placing a deposit in the amount of 1 million rubles. or in an equivalent amount in foreign currency is possible only upon personal application to the office of the Bank;
• For most types of deposits, it is possible to auto-renew them under the terms of the primary agreement, but not more than 3 times;
• Early termination of the deposit agreement is allowed. Some programs provide for a preferential early termination procedure - interest is recalculated at 1/2 of the rate established by the agreement;
• When making a deposit, the client can receive a package of the Bank's services as a gift, the category of the bonus service program depends on the amount of the deposit. This offer is not available for all programs of the Bank.

How to open a deposit? You can place a deposit in Promsvyazbank in the following ways:

• At a branch of the Bank. To conclude an agreement, the client must have an identity document with him: a general civil passport of the Russian Federation, a military certificate, a temporary identity card (form N 2P), etc. Foreign citizens are required to provide a national passport, residence permit and migration card. When applying to the Bank of a representative, it is required to provide a notarized power of attorney, as well as passport data of the person in whose favor the deposit is opened. You can make a deposit in cash through the cash desk or by transfer from any account in the Bank;
• Remotely using the Internet Bank - available to existing Promsvyazbank customers who have concluded a remote service agreement with the Bank. To open a deposit in the Internet banking menu, select the tab "Deposits" - "Open deposit" and confirm the operation. The necessary funds can be credited from any personal account in the Bank;
• With the help of the Bank's ATM - within the framework of the "My income" program. Available to cardholders of the Bank. The required amount is deposited by bank transfer using an ATM.

Closing the deposit and withdrawing money. The deposit is closed and the funds are returned on the last day of the deposit term. If the deposit is not claimed at the end of its term, it is auto-prolonged on the terms of the primary agreement, but not more than 3 times. Early termination of the deposit agreement is allowed, in which the accrued interest is recalculated at the demand deposit rate. For some programs, there is a preferential procedure for early closing of the deposit with the preservation of part of the interest.

Deposits for pensioners in Promsvyazbank are not represented by special separate programs, but some deposits are more profitable for this category of people, as they have surcharges.

How to choose a deposit for a pensioner?

Pensioners are often hesitant to invest money in a bank for a deposit, as they fear for the safety of their savings and their return, or because they do not find acceptable conditions. Promsvyazbank fully guarantees the safety of deposits of individuals, as they are insured by the state, and because of this point, pensioners can be calm. When it comes to choosing a deposit, it is necessary to look at the conditions of the deposit so that they correspond to the strength of a person, and not just his wishes.

It is worth starting with the minimum deposit amount. Retirees often do not have a lot of money for an initial investment, and even 50,000 rubles is an unbearable amount for them. The bank offers a good percentage for such investments, but to open an account, you will first need to collect money.

This deposit account has simple terms and good interest rates. It makes no sense to talk about it in more detail, since the program is not available now, it is better to describe in detail the conditions of the “My piggy bank” deposit, which is practically a copy of the pension deposit, but with minor amendments.

Deposit "My piggy bank"

Today, for pensioners, this is the best option from the entire line of Promsvyazbank. It fully meets the standard requirements of almost every pensioner and allows you to receive a good income. The terms of the deposit account are as follows:

• Multicurrency - national currency, dollars and euros.
• The opening is made from convenient minimum amounts - 10,000 rubles, 300 dollars, 300 euros.
• You can open an account for one of the terms in the time range of 91-731 days.
• Promsvyazbank does not limit pensioners in the number and amounts of additional contributions, they can be made for the entire duration of the contract, except for the last 30 days before the closing of the deposit.
• Withdrawals before closing are not allowed.
• Capitalization of interest or their transfer to the pensioner's card is provided - at the request of the depositor.
• Interest may increase depending on the account balance. If the amount reaches a certain threshold (information is presented in the rate table), then the rate is automatically increased or decreased depending on the movement of capital. This allows you to raise the rate, even if the initial payment was small.

If a pensioner wishes to open a deposit account in foreign currency, then Promsvyazbank will offer him 0.1%, regardless of the chosen term and amount of the deposit. But on the ruble deposit, interest rates are very different.

Sum	Annual interest rate (when capitalization/when transferring interest to a card) depending on the number of days the deposit is valid
	91	181	367	547	731
10 000 – 499 999	5.78% / 5.75	5.97% / 5.90%	6.06% / 5.90%	6.04% / 5.80%	6.02% / 5.70%
500 000 – 1 499 999	5.93% / 5.90%	6.02% / 5.95%	6.12% / 5.95%	6.10% / 5.85%	6.08% / 5.75%
Over 1,500,000	6.03% / 6.00%	6.07% / 6.00%	6.17% / 6.00%	6.15% / 5.90%	6.13% / 5.80%

This deposit could be standard from the entire line of bank offers, but for pensioners it has a distinctive advantage - an increased interest rate. For the ruble contribution of this program, each pensioner (upon presentation of a certificate) is entitled to an increase in the rate by 0.15% for periods of more than 181 days and with a deposit of at least 10,000 rubles. It is this option that inclines pensioners in favor of the “My piggy bank” deposit, but the good conditions of the program also play a big role.

Other deposits of Promsvyazbank

Promsvyazbank may offer pensioners other deposits that differ in conditions. Each contribution has its own benefits and this is the first thing we will now look at:

The seventh deposit is “My piggy bank”, which has already been described in detail. When choosing a deposit account, it is best for a pensioner to compare all options with each other in terms of advantages and opportunities, but it is also worth taking a closer look at the standard conditions of deposit programs.

Comparison of deposit offers

Enough has already been said about the advantages and disadvantages of Promsvyazbank deposit accounts, and it has been shown what pensioners should focus on. But it is better to give a comparative table on the main parameters, so that it is easier to navigate.

Name of the deposit	Minimum amount	Timing	Replenishment	Partial withdrawal	Interest rates
Growing income	50 000 rub.	91-360 days	Allowed	Forbidden	6.0-8.0%
My income	100 000 rub.	91-367 days		Forbidden	6.5-6.6%
my benefit		1 month-2 years for rubles, and for currency - 3 months. - 3 years	Allowed (limited time)	Forbidden	5.0-6.25% for rubles, 0.1% for foreign currency
My piggy bank	10,000 rubles, 300 dollars, 300 euros	91-731 days	Allowed	Forbidden	5.75-6.17% for rubles, 0.1% for foreign currency
My Opportunities	50,000 rubles, 300 dollars, 300 euros	181-731 days	Allowed	Allowed	5.0-5.47% for rubles, 0.1% for foreign currency
Savings account "Profitable"	No restrictions (only rubles)	No restrictions	Allowed	Allowed	6.8%
My strategy	50 000 rub.	181, 367 days	Forbidden	Forbidden	7.85-8.0%

Using this table, you can quickly navigate the deposits of Promsvyazbank. For pensioners, the most profitable will be offers with the possibility of replenishment, where the minimum contribution is not very large.

If required, you can choose a savings account, where there are no restrictions on debit transactions, and the interest rate allows you to get a large income, even for a short time period of funds in the account.