Deposits in Rosgosstrakh Bank are special programs that help people protect and increase their savings, or start saving, if previously home circumstances did not allow this.

Types of deposits of Rosgosstrakh Bank

Today, Rosgosstrakh Bank's deposit line includes seven programs, including ruble and foreign currency accounts, deposits for pensioners and insurance policy holders, as well as standard options. Wanting to open one of the deposits in the Rosgosstrakh bank, a person must first familiarize himself with all the options. What deposits does Rosgosstrakh Bank offer in 2018?

1. State Insurance VIP.
2. Gosstrakhovsky.
3. Cumulative.
4. Universal VIP.
5. Universal.
6. Double benefit.
7. Retirement income.

Terms and interest on deposits are very different. Rosgosstrakh offers special and standard options, but you need to look not only at profitability, but also at comfort and the possibility of maintaining a deposit account.

Gosstrakhovskiy VIP

This is the most profitable option for depositors, as the deposit has high interest rates. But in order to receive a large percentage, a person must invest well, because the minimum for opening here is 1,000,000 rubles, 15,000 dollars / euro. Incoming and outgoing transactions are prohibited, and interest is accrued at the end of the term, according to rate:

Gosstrakhovsky

The conditions of this deposit account fully coincide with the above program, with the exception of the initial payment. Here the requirements are more loyal - from 5,000 rubles, from 100 dollars / euros. Due to changes in these conditions, the Gosstrakhovsky deposit has slightly reduced rates:

Cumulative

The Rosgosstrakh deposit is designed for people who want to constantly put aside personal savings in small amounts into the account, since the deposit account can be replenished for the entire period, except for the last 3 months. A ruble account is opened for a period of 271 or 367 days, and a foreign currency account is opened only for a year.

To open, you need to deposit a minimum of 5,000 rubles, 100 dollars / euros. It is not allowed to withdraw money from the deposit before the end of the term, but they are paid monthly interest according to the rate:

In case of early termination of the deposit, the interest rate will be set on an individual basis, depending on the actual time spent by the funds in the bank and the amount on the deposit. Updated figures can always be found on the official website of the bank.

Universal VIP

Rosgosstrakh offers customers a replenishable deposit. It is for wealthy people and has such conditions:

• 1,000,000 rubles, 15,000 dollars / euros - amounts for the down payment.
• It is allowed to make investments of at least 1,000 rubles, 50 dollars or 50 euros for the first 11 months.
• The deposit is valid for one year exactly.
• Interest is paid monthly to the depositor.
• You can spend funds up to a minimum balance (set by the depositor together with the bank at the time of opening, and often equal to the amount of the down payment).

Rosgosstrakh Bank offers such deposit rates:

Universal

The conditions are duplicated according to the deposit Universal VIP, except for the minimum amount together with the minimum balance and interest rates, presented in the table:

Double benefit

An investment or accumulative life insurance policy must be purchased by a person from the partners of Rosgosstrakh Bank in order to be able to open this deposit account with the highest interest rate. The deposit can only be opened in rubles, and the minimum amount will depend on the type of insurance policy and the amount of the premium:

• 100,000 - when applying for a housing insurance policy with periodic payment of contributions.
• 250,000 - when applying for UA or ILI policies with a one-time payment of a contribution.

Deposit Double benefit non-replenishable, non-expendable and interest accrues at the end of the term, on which the rate depends:

Validity (days)	Interest rate
91	6.9%
181	6.9%
367	5.95%

Retirement income

For pensioners who do not regret withdrawing money from a deposit in Rosgosstrakh Bank, but only want to increase the balance through contributions, this is the most profitable option. The terms of the investment are as follows:

• 1,000 rubles, 50 dollars, 50 euros - the minimum for opening an account.
• The amount for replenishment is not limited, but it is prohibited to deposit money for the last three months.
• Interest is capitalized or paid into the account on a monthly basis.

Interest rates on the deposit Retirement income are quite high:

Rosgosstrakhbank provides an opportunity to place a term savings deposit in the national currency without the possibility of increasing the principal amount and withdrawing money in a partial amount. You can open a deposit only within the framework of a comprehensive program - with the simultaneous execution of a policy of accumulative and / or investment life insurance.

Features of deposits. When placing a deposit with Rosgosstrakhbank, the client needs to pay attention to the following features of the program:

• Accrued interest is paid in a lump sum at the end of the term of the contract;
• The maximum allowable amount depends on the amount of the premium at the time of registration of the insurance policy;
• You can get a deposit statement in any division of the Bank, having an identification document with you;
• When making a deposit, the client receives free SMS-informing;
• Deposits in the Bank are not subject to auto-prolongation under the terms of the primary agreement - extension is possible under the terms of a termless deposit;
• Early termination of the contract is allowed, while the accrued interest is recalculated in accordance with the minimum rate;
• The Client has the right to place any number of deposits in the Bank at the same time;
• In the branch of the Bank, you can issue a power of attorney for one-time or permanent deposit management operations, as well as a testamentary disposition regarding the funds stored on the deposit account. The Bank does not charge a fee for paperwork.

How to open a deposit? You can place a deposit in Rosgosstrakhbank only when you visit the branch. The list of the Bank's divisions that provide an opportunity to issue an investment product and an accompanying deposit is presented on the official website. When concluding an agreement, the client must have with him a general passport or other identity document, for example, a serviceman's certificate or a temporary identity card of a citizen of the Russian Federation. On the Bank's website, you can fill out an online application for a preliminary consultation by phone.

Closing the deposit and returning the money. The deposit in Rosgosstrakhbank is closed on the last day of the term of the agreement at the request of the client, while the principal amount and accrued interest are returned. If the deposit is not claimed, it is extended at a lower interest rate. The client can close the deposit ahead of schedule, in case of premature termination of the agreement, the accrued interest is recalculated at the minimum interest rate.

CONTRIBUTION	TERM (DAYS)	PAYMENT OF INTEREST	REPLENISHMENT	PREFERENTIAL TERMINATION	PARTIAL REMOVAL	MAXIMUM ANNUAL RATE (%)
1. State Insurance VIP	91 – 732	at the end of the deposit term	–	–	–	7,60	1,50	0,50
2. Gosstrakhovsky	91 – 732	at the end of the deposit term	–	–	–	7,50	1,40	0,40
3. Cumulative	367 – 367	monthly, by transfer to the current account or depositor's account opened with the Bank	+	+	–	7,00	1,20	0,30
4. Universal VIP	367 – 367	monthly	+	–	+	6,80	1,00	0,25
5. Universal	367 – 367	monthly	+	–	+	6,70	0,90	0,15
6. Investment	91 – 367	at the end of the deposit term	–	–	–	8,50	–	–
7. Retirement income	181 – 732	monthly by transferring to the current account or to the SCA of the Depositor opened with the Bank	+	–	–	7,20	1,30	0,35

Benefits of ROSGOSSTRAKH BANK deposits:

• State-guaranteed safety of deposits in the amount of up to 1.4 million rubles
• High reliability ratings of the Bank
• Possibility of additional insurance of deposits over RUB 1.4 million in the Bank's branches
• Wide range of deposits
• Competitive interest rates
• Possibility of partial replenishment and withdrawal
• Possibility of early termination on preferential terms
• Automatic prolongation of the deposit at the end of the deposit
• The possibility of paying interest on a deposit to a bank card

Gosstrakhovskiy VIP

Deposit term (days)		91-180	181-366	367-732
CURRENCY OF DEPOSIT	CONTRIBUTION AMOUNT	ANNUAL INTEREST RATE, %
from 1 000 000	7.10	7.60	6.60
$	from 15 000	0.50	1.50	1.50
€	from 15 000	0.20	0.50	0.50

Deposit conditions:

• Minimum deposit amount 1,000,000 rubles, 15,000 US dollars, 15,000 euros

Gosstrakhovsky

Terms of return on investment:

Deposit term (days)		91-180	181-366	367-732
CURRENCY OF DEPOSIT	CONTRIBUTION AMOUNT	ANNUAL INTEREST RATE, %
Ρ	from 5 000	7.00	7.50	6.50
$	from 100	0.40	1.40	1.40
€	from 100	0.10	0.40	0.40

Deposit conditions:

• Deposit currency rubles, US dollars, euros
• The minimum placement period is 91 days, the maximum is 732 days
• The minimum deposit amount is 5,000 rubles, 100 US dollars, 100 euros
• Deposit replenishment is not provided
• Partial withdrawal of the deposit is not provided
• Interest payment at the end of the deposit term
• Prolongation is provided, taking into account the deposit rate in force at the time of prolongation
• Interest rate upon early termination 0.1%

Cumulative

Terms of return on investment:

Deposit term (days)		271	367
CURRENCY OF DEPOSIT	CONTRIBUTION AMOUNT	ANNUAL INTEREST RATE, %
	from 5 000	6.90	7.00
$	from 100	-	1.20
€	from 100	-	0.30

Deposit conditions:

• Deposit currency rubles, US dollars, euros
• Placement period from 271 days to 367 days
• Minimum deposit amount 5,000 rubles / 100 US dollars / 100 euros
• The minimum amount of an additional contribution to the deposit is 5,000 rubles / 100 US dollars / 100 euros
• Partial withdrawal of the deposit is not provided
• Payment of interest on a monthly basis, by transferring to a current account or a depositor's account opened with the Bank
• Prolongation is provided, at the end of the deposit term, taking into account the deposit rate in force at the time of prolongation
• Interest rate for early termination see scale

Interest rate scale when terminating a deposit:

CURRENCY	DEPOSIT AMOUNT*	ANNUAL INTEREST RATE FOR EARLY TERMINATION DEPENDING ON THE ACTUAL DEPOSIT TIME
		up to 90	91-180	181-270	271-366
Russian ruble,	from 5,000 to 100,000	0,10%	5,00%	5,50%	6,00%
	from 100,001 to 450,000	0,10%	5,25%	5,75%	6,25%
	over 450 001	0,10%	5,50%	6,00%	6,50%
US dollar, $	from 100 to 3 500	0,10%	0,10%	0,25%	0,50%
	from 3,501 to 15,000	0,10%	0,25%	0,50%	0,75%
	over 15 001	0,10%	0,50%	0,75%	1,00%
Euro, €	from 100 to 3 500	0,10%	0,10%	0,10%	0,10%
	from 3,501 to 15,000	0,10%	0,10%	0,10%	0,15%
	over 15 001	0,10%	0,10%	0,15%	0,20%

Universal VIP

Terms of return on investment:

Deposit term (days)		367
CURRENCY OF DEPOSIT	CONTRIBUTION AMOUNT	ANNUAL INTEREST RATE, %
	from 1 000 000	6.80
$	from 15 000	1.00
€	from 15 000	0.25

Note: In cases established by the legislation of the Russian Federation, personal income tax is withheld from the amount of income.

Deposit conditions:

Universal

Terms of return on investment:

Deposit term (days)		367
CURRENCY OF DEPOSIT	CONTRIBUTION AMOUNT	ANNUAL INTEREST RATE, %
	from 30,000 to 299,999	6.60
	from 300 000	6.70
$	from 500 to 4 999	0.80
	from 5 000	0.90
€	from 500 to 4 999	0.10
	from 5 000	0.15

Note: In cases established by the legislation of the Russian Federation, personal income tax is withheld from the amount of income.

Deposit conditions:

• Deposit currency rubles, US dollars, euros
• Placement period 367 days
• Minimum deposit amount 30,000 rubles / 500 US dollars / 500 euros
• Replenishment of the deposit is provided, additional contributions are accepted no later than 1 month before the end of the deposit term.
• The minimum amount of an additional contribution to the deposit is 1,000 rubles / 50 US dollars / 50 euros
• Partial withdrawal of the deposit is provided, subject to maintaining the minimum balance * on the deposit
• Interest payment monthly
• Interest rate upon early termination 0.10%

Minimum balance - the smallest allowable amount for opening a deposit, is set at the time of the conclusion of the deposit agreement and does not change upon prolongation.

Investment

Terms of return on investment:

Only the amount of the deposit is insured by the Deposit Insurance Agency, the amount of the share(s) is not subject to insurance. Note: In cases established by the legislation of the Russian Federation, personal income tax is withheld from the amount of income.

Deposit conditions:

The deposit is opened to clients subject to the simultaneous execution of an accumulative and / or investment life insurance agreement (hereinafter referred to as UA and ILI) with LLC Rosgosstrakh-Life Insurance Company or subject to the simultaneous acquisition of a share (s) of a mutual fund managed by Savings Management LLC . If the investor has a previously acquired share (shares), the bank deposit agreement is concluded when the investor acquires an additional share (shares) for an amount equal to or greater than the amount of the deposit.

• Deposit currency rubles
• Placement period 91 days, 181 days, 367 days
• The minimum deposit amount is 98,000 rubles
• Deposit replenishment is not provided
• Partial withdrawal of the deposit is not provided
• Interest payment at the end of the deposit term
• Prolongation is not provided (it is extended on the terms of a demand deposit)
• Interest rate upon early termination 0.001%
• The minimum placement period is 181 days, the maximum is 732 days
• Minimum deposit amount RUB 1,000 / USD 50 / EUR 50
• Replenishment of the deposit is provided not later than 3 months before the end of the deposit term
• The minimum amount of additional contribution to the deposit is not limited
• Partial withdrawal of the deposit is not provided
• Payment of interest on a monthly basis by transferring to the current account or to the SCA of the Depositor opened with the Bank
• Prolongation is provided, at the end of the deposit period, taking into account the deposit rate in force at the time of prolongation
• Interest rate upon early termination 0.1%

Sources:

1. https://www.rgsbank.ru/personal/deposits/compare/

The integration of Rosgosstrakh Bank into the Russian financial and credit system began in 1994 after the reform of Rus-Bank. Today, the institution occupies 45th position in the rating in terms of the popularity of deposits from the population and 44th place in terms of issuing loans. The Bank provides services to small and medium-sized businesses and the public.

Almost 2 million Russians have already become clients of the bank, among them over 50% have placed their savings on term deposits.

Deposits for individuals in Rosgosstrakh Bank in 2016 are distinguished by stable rates, the ability to manage funds and a guarantee of state insurance of money in accounts.

Accumulation and preservation of money

Today, the institution operates under the following programs for the accumulation of funds from private clients:

. Classic deposit Gosstrakhovskiy - a fixed term and amount of the deposit with the possibility of obtaining additional profit. Program conditions: a differentiated period from one month to 1080 days, the rate for an account in national currency is 7.75-10.45% (maximum income in the amount of more than 450 thousand), in dollars - 0.25-3% and in euros - 0 .1-2.25%.

If the profitability threshold of the offer is exceeded, income tax will be withheld from the received interest income in favor of the state. The smallest installment of a multi-currency deposit is 3,000 rubles, 100 in foreign currency. No deposits/withdrawals are allowed, renewals are subject to the terms and conditions in effect at the time of renewal. Early termination at the rate "On Demand" - 0.1% per annum.

. "Cumulative" deposit - the most manageable in Rosgosstrakh Bank today. Multi-currency account for 271-1080 days, an additional deposit in the amount of 1 thousand rubles / 50 in foreign currency no later than 90 days before the end of the term, withdrawals before the end of the term are not allowed, interest is transferred monthly to the client account. Interest on the "Accumulative" deposit of Rosgosstrakh Bank - depending on the period of provision of funds 8.75-10% in rubles, 2.25-2.75% in dollars, 1.25-2% in euros. There is a possibility of preferential termination of the contract with the preservation of part of the interest.

. "Universal" contribution. The rates on this deposit of Rosgosstrakh Bank are from 9.5 to 9.65% (ruble), from 2.5 to 2.65% (dollar) and from 1.6 to 1.75% (euro currency). Replenishment, partial withdrawal of money and monthly capitalization are provided. Term - up to 1 year 2 days. The minimum initial payment is from 50 thousand in rubles, from 1500 - in foreign currency (euro / dollar). Replenishment limit - from 1 thousand rubles and from 50 euros / dollars. There is an auto-renewal, monthly crediting to the account of interest income. In case of early termination of the contract, the rate is reduced to 0.1%.

. Special deposit of Rosgosstrakh Bank for pensioners - "Retirement Income" . Deposit parameters: auto-renewal of the contract, increased profitability, monthly transfer of interest profit to the account, replenishment without restrictions, term - up to 36 months. Rates: 9-10.25% in rubles, 2.5-3% in dollars, 1.25-2.25% in euros. The minimum deposit term is 181 days, the amount of the deposit at opening is 1 thousand rubles, 50 in foreign currency. Partial withdrawal is not allowed.

. "Multicurrency" - simultaneous opening of deposits in three currencies. Rates: up to 9.25% in rubles, up to 2.25% in dollars, up to 1.5% in euros. Three terms of placement - 181, 271, 367 days. Additional payments - 1500/50 in rubles / currency. Partial cash withdrawal is prohibited, the conversion of one currency into another is provided for no more than the amount of the invoice. Auto-prolongation at the request of the depositor.

. "Prestige" - highly profitable deposit in Rosgosstrakh bank in 2016. Special conditions: the minimum contribution is from 3 million rubles, 100 thousand (dollar), 75 thousand in euro. There is no limit on contributions. Rates: up to 10.25/3/2.25% for ruble/dollar/euro.

Special deposits

In addition to the usual term savings deposits, Rosgosstrakh Bank operates under the following programs:

. "Insurance" . The contribution is offered to the client when drawing up an insurance contract with a partner company. The initial amount is equal to the sum insured. The deposit currency is the ruble, the percentage is 11.5-11.75% depending on the term of insurance and in the amount of more than 1 million rubles.

. "Investment" . Deposit funds are placed in units of mutual funds. Terms: rubles, rates: 9.25-11.5%. Amount - from 25 thousand, term - 31-367 days. Not provided - replenishment, partial withdrawal, interest - at the end of the term. The extension does not work.

Invoicing procedure

To open, you need to visit one of the branches of the bank. Before that, select the deposit you need, the Rosgosstrakh Bank deposit calculator, posted on the institution's website, will help calculate the profitability. To open, you will need a passport of the Russian Federation, and in addition - a certificate of a pensioner. At the office, the client fills out a questionnaire containing personal data and contact information.

If you are already a bank client and have access to remote service channels (“Personal Account” in Internet banking), you can open an account without leaving your home. To connect, you must have a Rosgosstrakh bank card.

When opening absolutely any deposit, the client can draw up a will or power of attorney for any person with the presence of the latter (power of attorney). Power of attorney is issued only for adults.

Today you can find different reviews about the deposits of Rosgosstrakh Bank, but the overwhelming majority are positive. Clients note the high reliability of the bank, the stability and competence of work, convenient remote service and an extensive regional network of offices.