Rosselkhozbank (RSHB) is one of the leading players in the domestic financial market RF. Despite the fact that the company specializes in lending to small and medium-sized businesses, in the list of the organization’s services you can find many interesting and profitable programs for individuals. As well as several products designed for clients of various social categories (pensioners, farmers with private household plots, etc.). At JSC Rosselkhozbank, deposits for pensioners in 2018 can be opened without providing certificates from the Pension Fund of the Russian Federation in literally 10–15 minutes. It is enough to have your passport and pension certificate with you.

At Rosselkhozbank you can not only take out a loan, but also increase your savings with a deposit. Available to pensioners special conditions with higher interest rates. At the same time, no one forbids older people to use other programs if they seem more suitable.

All interest-bearing deposits for pensioners at Rosselkhozbank are insured by the DIA (Federal Deposit Insurance Agency) for the maximum possible amount - 1,400,000 rubles.

Today, the bank's services are available only to individuals - citizens of the Russian Federation. This also applies to pensioners. It is important that the applicant’s age is at least 55 years for women and 60 years for men. The client can transfer management of his savings using a notarized power of attorney or bequeath money to a third party, if this does not violate the requirements of Russian legislation.

In addition, at Rosselkhozbank you can open pension deposit in the name of a minor citizen. But for this it is necessary to provide documents from the Pension Fund confirming the fact of accrual of the insurance pension. Or a copy of the court decision, which will determine the monthly amount transferred from the municipal or federal budget for the maintenance of the investor.

Deposits for individuals in Rosselkhozbank

For 2018 interest rates at Rosselkhozbank, deposits for pensioners vary between 4–7%. Profitability for other programs may be either higher or lower than these values. It all depends on the amount and term of the deposit. Therefore, before completing and signing documents, consult with a bank employee. Perhaps he can offer you more profitable terms.

"Pension income"

Special deposit for clients aged 55–60 years. The main advantage is the ability to replenish without reference to a specific date. You can deposit funds into your account in any quantity and at any time. The annual rate is up to 5.9%, the currency is rubles.

The deposit can be opened for a period of 395, 540 and 730 days. Interest is paid monthly. They can either be added to the main amount or transferred to a separate account. The minimum contribution is 500 rubles, the maximum is 2 million rubles. There is no possibility of withdrawing money without losing interest.

Interest rates on the “Pension Income” deposit, effective from 03/22/2018

"Pension Plus"

The Pension Plus deposit at Rosselkhozbank can also be replenished at any time convenient for the client. According to the terms, it is issued for 395 or 730 days, the interest rate is fixed at 5.9%. It can be issued by persons over 55–60 years of age upon presentation of a passport and pension certificate.

Minimum size as in the previous case, 500 rubles. But the maximum is 10 million. Interest is accrued monthly and is automatically capitalized, so you cannot withdraw it. The advantage is that it is possible to make expense transactions without loss of income.

Interest rates on the Pension Plus deposit, effective from 03/22/2018

"Profitable"

Rosselkhozbank contribution for 2018 for pensioners and other individuals. You can open it in both rubles and dollars. Duration - from 31 to 1460 days. Annual rate - from 5.90% to 6.70%. The deposit is made not only at the branch, but also through Personal Area Online banking organization. The latter option will allow you to get a more favorable rate.

At least 3,000 rubles ($50) are transferred as the first payment. Interest is paid monthly or on the last day of storage Money. Deposits and withdrawals are not permitted, the maximum deposit amount is not limited by the terms of the agreement.

Conditions for opening a “Profitable” deposit via the Internet with interest payment at the end of the term

"Golden Premium"

Allows you to receive from 6.00% to 6.75% annual income. The minimum contribution is 1.5 million rubles. or $50,000. Deposits and withdrawals are not provided, the maximum amount is not limited. Extended only after signing a new agreement. Interest may be accrued:

• at the end of the contract;
• monthly with capitalization;
• monthly on a separate card.

An exclusive offer for individuals - regular customers of the bank, owners of the Premium or Ultra service package.

"Replenishable"

For those who want to financially prepare for an important event. The interest rate on deposits in Rosselkhozbank for pensioners is fixed at a level of 4.70% to 5.85%. You can transfer from RUB 3,000 to a bank for storage. ($50). The deposit is opened in rubles and US dollars.

Interest for the past period is capitalized or transferred to the account. The owner has the right to replenish the deposit, but no later than 30 days before the expiration date of the agreement. Maximum amount- 10 million rubles. The rate may increase over time as a result of accumulation and replenishment of the deposit!

"Save for a dream"

A profitable deposit for pensioners at Rosselkhozbank who want to save up to buy a car or residential real estate. Opens in rubles or US dollars at 4.90% for 730 days. The minimum down payment is 3,000 rubles or $100.

Owners of the deposit can freely replenish it. Interest is accrued monthly; payment of money to a card or partial withdrawal is not possible. In case of early closure and presentation of a mortgage agreement or similar documents, funds are issued to the investor without penalties.

"Comfortable"

An offer for Rosselkhozbank clients who are accustomed to planning their expenses. main feature- minimum balance, the size of which is determined by the owner of the deposit. The annual rate ranges from 4.15% to 4.35%. The duration of the agreement is from 91 to 1095 days.

The minimum amount to open is RUR 10,000. or $300. You can top up your deposit by no less than RUR 5,000. ($100). Maximum size- 10 million rubles. ($300,000).

Which deposit is better for a pensioner?

After analyzing all the advantages and disadvantages savings programs RSHB, we come to the conclusion:

• The most profitable deposit for pensioners on this moment- “Profitable.” When applying for this program for a period of 3-4 years, the investor will receive up to 6.70% per annum, taking into account the fact that interest payments will occur at the end of the term. It will not be possible to withdraw and deposit money.
• The most convenient deposit product with the ability to deposit and withdraw funds is the “Pension Plus” deposit with an interest rate of 5.90% per annum.

To familiarize yourself with all the proposals for placing funds at Rosselkhozbank for individuals, including pensioners, we suggest studying.

How to make a deposit at a favorable interest rate?

The conditions for deposits for pensioners at Rosselkhozbank are among the most favorable in 2018. In this case, for registration you only need to provide a passport and a pension certificate. In some cases, the bank manager may ask additional documents, but this is not common practice. You can open a deposit in one of three ways:

• At the RSHB branch. Money is transferred to the bank from an account owned by the depositor or deposited in cash through a cash desk.
• Through a virtual personal account. To do this, you need to go to the official website of Rosselkhozbank, log in to the system and select a suitable deposit. This method is suitable only for those individuals who are already clients of the bank and have at least one valid card.
• Through an ATM. Proof of opening a deposit is a cash receipt issued by the device after completion of the operation.

For those who open a deposit remotely, an increased interest rate is provided!

conclusions

In JSC Rosselkhozbank, deposits for pensioners in 2018 are issued upon presentation of a passport and pension certificate. Interest rates vary depending on the amount, duration and method of opening. Those. The most loyal offer will be received by regular customers of the bank, who can use a remote personal account to make a deposit. According to the editors, the most favorable conditions are offered by the “Profitable” and “Pension Plus” programs.

Varied profitable programs savings intended for pensioners, which are offered by financial institutions of the Russian Federation, are characterized by attractive increased interest rates and comfort during the service process.

In the Russian Agricultural Bank, in addition to those completely aimed at official recipients of standard pension transfers, there are several financial proposals. These are deposits for pensioners in Rosselkhozbank for 2020, the interest rates on which are very favorable. They are designed directly to serve regular users of retirement age. They are also offered premium packages service.

Without exception, all targeted and savings offers intended for the elderly are based on one basic rule - having an identification card and receiving transfers from the Pension Fund in this particular bank.

There are investments that you don’t have to be of retirement age to open, but there should be no more than 2 months before payments. If a person meets the established rules, he will be able to open an account with the following rules:

1. Possibility of capitalization.
2. You can top up your deposit with the desired amount.
3. This implies an automatic extension provided on the terms of opening a bank.

During the renewal process, only the rate can be adjusted. It will have the size that is relevant at the time of registration of the extension. Clients have the right to carry out numerous personal expense transactions savings account, and also, if necessary, withdraw money without losing assets from a decrease in the current rate.

Which ones does the bank offer?

There is an opportunity to use several profitable investments. Among the numerous offers, the following deposits are especially in demand:

Among the listed deposits, Classic is very popular. Payment of interest in this deposit is made at the request of clients. Users choose the following methods:

1. The general end of the time for placing an account through its transfer and automatic accrual of interest to the RSHB account.
2. You can withdraw funds every month or submit an application to transfer them to an account at the institution. Payment in such a case is made on the last day established by the bank reporting time period.
3. The maximum amount is not limited in any way, and there is no possibility of replenishing it independently.

All investments have fairly high interest rates. In addition, there are no restrictions on the maximum investment size. Among the advantageous conditions, one can highlight the inability to carry out various expense transactions while the deposit is valid. If you need to urgently withdraw money, the rate will be reduced to the level established for the “On demand” category.

Using premium deposits

There are certain conditions for joining certain beneficial packages. Pensioners are given the opportunity to choose one or more programs. Here are the most basic of them:

• The average monthly balance on various user deposits ranges from 2,500 to 1 million rubles;
• The presence of an existing or repaid car loan, agricultural loan or consumer loan, the amount of which starts from 1 million rubles;
• Accrual wages in an amount above 200 thousand rubles for the last three reporting months.

Clients using premium profitable service packages are able to open an account with an increased bonus. It is approximately 1-3% higher, but more precise coordination is carried out strictly individually.

How to apply?

Modern users of financial institutions have access to various methods of opening profitable investments. Pensioners can act through such devices and methods as:

• ATMs;
• Self-service terminals;
• Personal profile on the official website.

Such methods appeared relatively recently, but are in increasing demand, as they provide a large number of advantages. The significant time savings are welcome as there is no need to stand in line waiting for service. If there is no branch in a nearby area, using an ATM will the best option. The use of ATMs and terminals is characterized by simplicity and intuitiveness of the operations performed.

An even more convenient and comfortable method is to use your personal account. In this case, you will need to provide access to the network, register in the remote access system and then, using special tabs and pages, open a pre-selected account and carry out an operation to open deposits for pensioners today at Rosselkhozbank.

Opening an account in all the situations listed above is simple. It is enough to carry out a couple of simple steps and you will be able to make a competent calculation of the level of profitability and the profit received on an open deposit.

Interest rates on deposits in Rosselkhozbank for pensioners today

Modern users are not limited in the choice offered. The most popular of these investments are the following with the most profitable bonuses:

1. Classic – 7.15-10%. At monthly withdrawals may be charged up to 8.4%.
2. Cumulative - from 7.15 to 8.8% in domestic currency.
3. Pension Plus allows you to accumulate funds and significantly increase their amount at a standard percentage of 8.35%. If funds are deposited for two years, it increases to 8.85%.
4. Managed – from 7.75 to 8.05% per annum.
5. Maximum savings. Here the accrual ranges from 9.3 to 9.6%. This is a special investment intended for the wealthier as minimum amount equal to 1.5 million rubles.

In all of the above deposits in Rosselkhozbank for pensioners in 2020, early closure is not provided for with full preservation of interest accrual. In most cases, it is automatically reduced by at least 0.1%

Foreign currency deposits

Pensioners have the opportunity to open not only a ruble account, but also a foreign currency account. Such deposits have fairly favorable conditions; many of them can be replenished freely. As for the accrual, it ranges on average from 0.3 to 1.2%.

Calculation of return on deposits for pensioners at Rosselkhozbank on the official website

Every regular and potential user financial institution has the opportunity to use a special form of calculator. It’s very easy to use; just select the one you need and fill out all the required fields.

If after making calculations it becomes clear that none of them are suitable, you can always expand the range of choices and choose what will be more profitable.

Insurance

Without exception, all bank deposits can be insured. In all cases, both legal entities and individuals can receive insurance amounts. Modern clients of the RSHB in the process of attack insured event have the opportunity to receive 100% of the amount, but not more than 1.4 million. This rule applies to all accounts in one bank. Insurance payments do not affect the amount of monetary compensation in case of default in another bank for one client.

Summing up

To get acquainted with all the beneficial offers on deposits for pensioners, just visit the official website. Having studied all the offers on deposits for pensioners at Rosselkhozbank, you can understand that the bonuses here today are the most profitable. If you need more accurate interest rates, you can use a calculator. The calculation on it is very simple. Once it becomes clear what percentage is being earned on a particular investment, you can make an informed choice.

Many pensioners who have savings prefer to keep them in trusted banks. One of such institutions is Rosselkhozbank. All 100% of its shares belong to the state. The bank accepts various types of deposits. Some of them are aimed only at pensioners, others are available to all individuals.

Rosselkhozbank for pensioners

Rosselkhozbank (RSHB) is a universal bank and offers different types of pension programs for storing savings. They can be:

• with the possibility of replenishment;
• with partial removal (while maintaining minimum balance);
• with capitalization of interest (i.e. adding accrued interest to the “body” of the investment);
• with the transfer of interest to the depositor's account in this bank;
• no maximum amount limit;
• with extension;
• in different currencies: rubles, EURO or US dollars.

Conditions for deposits

RSHB deposits are provided to the population under certain conditions. Before opening a deposit account (d/s), you need to study information about the bank’s available offers. The investor needs to pay attention to:

• annual return;
• period of the program;
• minimum down payment;
• maximum size limitation;
• currency d/s;
• possibility of withdrawing funds;
• Additional services and bonuses (for example, preferential termination of the contract, free card as a gift, etc.).

For convenience, you can use the online calculator located on the official website of the Russian Agricultural Bank and calculate the expected investment according to certain parameters. There is another option - a personal visit to a bank branch. In this case, the RSHB employee will talk about available banking instruments and prepare the necessary calculation schemes so that you can make the most useful investment.

Requirements for depositors

Retired investors are subject to certain requirements. They may be:

• Any individuals (even a minor child) with a pension certificate, a form from the Pension Fund of the Russian Federation establishing an insurance pension, or a court document assigning monthly lifelong maintenance.
• Women over 55 years old and men over 60 years old. In this case, you do not need to present your pension certificate.

Amount and term of deposit

Deposits in Rosselkhozbank for pensioners can be made for a period from 31 to 1460 days. The bank also opens a “On demand” account. Some financial investments can be extended. You can open a d/s with an amount starting from 500 rubles. (“On demand” - from 10 rubles). Investments under programs for pensioners are limited to a maximum of 1-2 million rubles. Other types of investments available to all individuals are limited to 10,000,000 rubles. On some accounts you can place savings without limiting the number of savings at all.

Interest rates

Interest rates at Rosselkhozbank for pensioners vary. Yield on demand account is fixed - 0.01%. For specialized pension programs(“Pension income” and “Pension plus”) set some of the highest rates compared to similar offers from competing banks - 5.9%. The yield on other deposits is from 0.5% to 7.3%. The bank has the right to unilaterally change the interest rate.

Deposit in Rosselkhozbank "Pension Plus"

“Pension Plus” is one of the main target savings offers of the Russian Agricultural Bank for pensioners. The deposit is provided in rubles under the following conditions:

• Interest rate - 5.9%.
• Investment period - 395 or 730 days.
• Interest capitalization occurs monthly.
• The maximum investment amount is RUB 1,000,000.
• The extension can be carried out automatically on the same conditions under which the deposit was valid before.
• In case of early closure of an investment, interest is accrued at the rate of the “On Demand” program.

Deposit “Pension income”

A deposit in Rosselkhozbank for pensioners “Pension income” is possible under the following conditions:

• Interest rate - 5.9%.
• Investment period - 730, 540 or 395 days.
• Interest is paid monthly on the last day of the month and at the end of the program term. The pensioner chooses whether this will happen by transferring interest amounts to his account at the Russian Agricultural Bank or by capitalization.
• The minimum down payment is 500 rubles, the same amount is the minimum balance.
• Replenishment is possible: minimum additional contribution - 1 rub.
• The maximum investment amount is RUR 2,000,000.
• The extension can be carried out automatically on the same conditions under which the deposit was valid before.
• In case of early closure of an investment, interest is accrued at the rate of the “On Demand” program.
• Expense transactions You cannot make transactions while maintaining the interest rate.
• As a bonus, a free card with tariff plan“Amur Tiger - card for deposit” when opening a deposit account in the amount of 50,000 rubles or more.

Profitable Rosselkhozbank deposits for individuals in 2019

Pensioners have the right to open any d/s, and not just those specifically designed for a given age category. They can make an investment current programs in Moscow and other cities of Russia where there are branches of the RSHB. In 2019, Rosselkhozbank offers such a line profitable deposits for individuals (data presented in table form):

Deposit name	Deposit conditions:
	Opening online	Accrual and payment of interest	Validity period (in days)		Minimum down payment amount	Replenishment	Maximum amount	Maximum bet	Expense transactions with maintaining interest rate	Additional features
"European" ( increased rate)		at the end of the period				not provided	not limited			no automatic renewal
“Profitable” (increased rate)		optionally: monthly or at the end of the term; capitalization or to account	31, , 1460		3000 RUR or 50 USD	not provided	not limited	6.7% - RUR, 2.9% - USD		automatic renewal is limited;
"Investment"		at the end of the period			50,000 RUR or 1,000 USD	not provided	not limited	7.3% - Russian rubles, 2.85% - US dollars		automatic renewal is not provided; free card when opening an investment of 50,000 rubles. and more; the program is available when purchasing a share(s) of shares investment funds managed by RSHB Asset Management LLC
"Amur tiger"		monthly and at the end of the period to a specially designed free card					not limited			extension on the same terms
Replenishable" (increased rate)			91, 180, 270, 395, 455, 540, 730, 910, 1095		3000 RUR or 50 USD			5.85% - Russian rubles, 2.6% - US dollars		automatic renewal is possible, but limited; free card with an investment of 50,000 rubles. and more
"Save for a dream"		monthly capitalization			3000 RUR or 100 USD		10,000,000 rub. or 300,000 US dollars	4.9% - Russian rubles, 2.4% - US dollars		automatic renewal under the same conditions; in case of early closure, interest is calculated for the actual time the money is spent, subject to certain requirements
“Comfortable” (increased rate)		monthly: capitalization or per account	91, 180, 270, 395, 455, 540, 730, 910, 1095		3000 RUR or 150 USD	yes, maximum 30 calendar days before the deadline	10,000,000 rub. or 300,000 US dollars	4.35% - Russian rubles, 1.85% - US dollars	yes, while maintaining a minimum investment minimum	the minimum minimum amount of funds is determined by the client and does not change throughout the entire period
"Poste restante"		quarterly		Russian rubles, EURO, US dollars	10 rubles, 5 EURO or 5 US dollars		No limits		yes, up to the minimum balance: 5 US dollars, 5 EURO or 10 rub.	additional contributions are made both in cash and by bank transfer

How to open a deposit in Rosselkhozbank

You can open a d/s at the Russian Agricultural Bank both online and in any branch of this institution. In the first case, this happens remotely in a special mobile application or on the official website of the institution (Internet bank). It is also possible to make an investment through an ATM of Rosselkhozbank; a cash receipt will serve as confirmation of the transaction. To open a deposit during a personal visit, you need:

1. Choose the optimal type of investment, taking into account the conditions for its provision.
2. Write an application for placing a deposit.
3. Provide the bank employee with an application and a basic package of documents.
4. Conclude an agreement with RSHB.
5. Deposit a certain amount of funds specified in the agreement with the bank. Once the money is received, the deposit is considered placed.
6. Open an additional account to receive interest on the investment (if this is included in the terms of the selected program).

List of required documents

When registering a personal account, pensioners provide the following documents:

• Russian Federation passport;
• Application for investment placement;
• Pension certificate (does not need to be provided to women aged 55, men aged 60, and individuals 2 months or less before the appointment of an old-age pension);
• Pension Fund document on the assignment (establishment) of an insurance pension (if necessary);
• Form for the appointment of monthly lifelong maintenance from the courts of the Russian Federation included in the country’s judicial system (if necessary).

Video

In 2018, Rosselkhozbank is one of major players On the market banking products RF – offers clients various opening options cash deposits. For consumers of retirement age, both special offers and any other deposit products aimed at the widest possible range of depositors are available. Under what conditions are deposits opened for pensioners today? Rosselkhozbank allows citizens to invest money at very favorable interest rates. Deposits are made with the ability to replenish the balance, the option of partial withdrawal of funds without reducing profitability, as well as the maximum annual interest rate. The possibility of such a choice is a favorable factor for an investor who wants to effectively manage his own savings.

Deposits in Rosselkhozbank: features of opening for pensioners

Pensioners at Rosselkhozbank have access to an extensive range of banking products: relatively cheap loans, various plastic cards, deposits for individuals.

A pension deposit is opened by Rosselkhozbank on the basis of the applicant’s presentation of a document confirming the receipt of a pension.

This may be a pensioner’s ID or other official paper from the Pension Fund of the Russian Federation, indicating the assignment or establishment of an insurance pension to a citizen.

Pensioners who have confirmed their status can open a special deposit.

In some situations, it is allowed to open a pension deposit upon presentation by the client of a documented court decision on the assignment of lifelong maintenance to him, paid monthly. Now you don’t have to present a pensioner’s ID, limiting yourself to providing a certificate from the Pension Fund.

A depositor who has already reached retirement age may not be provided with any paper at all certifying the regular accrual of a pension. As you know, men in the Russian Federation receive pensioner status at the age of 60, and women at the age of 55. It is not significant for the bank if the client still has a maximum of two months left before reaching these age marks.

Rosselkhozbank offers elderly people an interesting product - issuing a pension card, which allows them to regularly receive interest income accrued on the account balance. This interesting opportunity additional income for an ordinary Russian pensioner.

Accounts for pensioners: current offers from Rosselkhozbank

If you study the conditions offered by Rosselkhozbank, interest rates on deposits for pensioners often turn out to be very attractive. Elderly clients can take advantage of both standard deposit offers available to any depositor and special products aimed at pensioners. Cash accounts can be opened by citizens and Russian rubles(RUR), and in American dollars(USD). Deposits opened through Rosselkhozbank may differ in the following significant parameters:

• investment period;
• level of annual interest rate;
• the amount of the deposit being formed;
• list of preferences used;
• possibility of additional balance replenishment;
• option partial withdrawal(withdrawing) money from a bank account.

What interest is accrued on the pension deposit? What are the terms of a typical bank account agreement for a retiree client? All these issues should be considered in more detail by carefully reading the current deposit programs of Rosselkhozbank.

Rosselkhozbank offers several profitable deposits for pensioners

Pension Income: main contribution parameters

This deposit is opened upon presentation by the client of a pension certificate or any other document that can replace it. The deposit can be made in the name of any entity, including a minor citizen. If the applicant has already reached retirement age, the paper (certificate) confirming receipt of the pension may not be provided.

The Rosselkhozbank Pension Deposit is opened to a citizen on the following conditions:

1. The minimum amount (starting deposit fee) is 500 rubles.
2. The maximum allowable amount of the deposit to be formed is 2 (two) million rubles.
3. The depositor can place funds for 395 days, 540 days or 730 days.
4. The annual deposit interest rate is 5.90%.
5. Monthly interest payment to the investor. Interest income is accrued on the last working day of each month and at the end of the deposit period. The amount of accrued interest can be reinvested by adding it to the amount of the existing deposit or transferred to a separate client account at the bank.

Replenishment of the deposit balance is allowed additional contributions accepted during the entire period of validity of the deposit. An additional contribution to increase the initial deposit amount can be at least 1 ruble.

It is not allowed to make debit transactions on the account while maintaining the established profitability. If funds are withdrawn by the client ahead of schedule, interest is paid in accordance with the rate stipulated by the terms of the demand deposit. The deposit is automatically extended for a similar period with the parameters and rate current at the time of extension.

Pension Plus: terms of the deposit agreement

An interesting opportunity for an elderly investor is to take advantage of the Pension Plus deposit offer. The conditions and grounds for opening this deposit are in many ways similar to the Pension Income package, but have their own specifics.

Key parameters of the Pension Plus deposit:

1. Can be issued to a minor citizen.
2. The minimum deposit amount (primary payment) is 500 rubles.
3. The maximum size of an account to be opened is 10 (ten) million rubles.
4. The percentage of annual return on the deposit is 5.90%.
5. The minimum period is 395 days.
6. The maximum deposit period is 730 days.
7. Interest accrued to the depositor is capitalized monthly.
8. It is allowed to replenish the account balance with additional contributions (minimum 1 RUR).

It is allowed to carry out expense transactions to ensure the designated profitability, provided that the depositor maintains the established amount of the minimum balance (500 RUR).

The extension of this deposit is carried out by analogy with the Pension Income deposit on the terms of the day following the end of the previous period.

Pensioners can open a deposit not only in rubles, but also in other currencies

European Deposit – deposit for a wide range of depositors

This deposit product can be issued by any citizen remotely or directly through the office of a financial institution. The European deposit is opened by Rosselkhozbank on the following conditions:

1. If a deposit is placed by a client for 730 days, the annual rate of return for him will be 0.15% for remote registration. When opening through a bank office – 0.10%.
2. When placing a deposit for 1095 days, the annual accrued income will be 0.35% if the registration is done remotely. If a deposit is opened directly at a bank branch – 0.30%.
3. The deposit is opened in euro currency (EUR).
4. The minimum deposit amount (starting fee) is 1000 EUR.
5. The maximum size of the deposit is without restrictions.

Accrued interest is paid to the client upon completion of the deposit period or upon early withdrawal by the depositor of the placed funds. Such payment is made by transferring the required amount to the citizen’s separate bank account.

Not allowed to top up open deposit additional contributions. It is not allowed to carry out expenditure transactions to ensure the assigned profitability.

There is no automatic extension of the deposit. Early withdrawal the depositor determines the payment of interest income on the terms provided for by the bank's demand deposit.

Opened exclusively in the name of the investor himself. Making such a deposit in favor of third parties is not permitted.

Deposit Profitable: high annual interest rate

The terms of this program provide for a differentiated approach to establishing deposit rate annual percentage.

The specific return on the deposit depends on the following parameters:

1. Design method:

• remotely;
• through the office of a banking organization.

1. The procedure for paying interest income to the client:

• upon completion of the deposit period;
• monthly payment through capitalization or transfer to a separate account.

Agreed duration of the deposit period:

• minimum 31 days;
• maximum 1460 days.

The amount of the deposit to be placed is at least 3000 RUR or 50 USD. The maximum size of the deposit formed is without specific restrictions (more than 1.5 million rubles or 25,000 USD).

Thus, minimum bid The annual yield on this deposit is 5.90% (RUR) or 0.05% (USD). The maximum annual deposit interest can reach 6.70% (RUR) or 2.45% (USD).

It is possible to open an account in the name of the investor himself or in favor of a third party. It is not allowed to replenish the deposit balance and conduct expense transactions that provide for maintaining a given profitability. Automatic extension of the contract is carried out in a limited manner for the same period with the parameters relevant at the time of extension.

An investment deposit involves the transfer of invested funds into trust management

Investment deposit: ample opportunities for passive income

This product allows pensioners and any other individuals to earn money in two ways:

• placing your own money directly on a bank deposit;
• investing on trust principles in special mutual funds.

The term for placing funds on bank deposit can be either 180 (one hundred eighty) or 395 (three hundred ninety-five) days. The amount of the deposit cannot be less than 50,000 RUR or 1,000 USD. The maximum amount of such a deposit is not limited by the bank. If the deposit period is 180 days, then highest bid the annual yield will be 7.10% (RUR) or 1.70% (USD). For a period of 395 days annual interest is charged at a maximum of 7.30% (RUR) or 2.50% (USD).

It is issued exclusively to the investor himself. Accrued interest is paid upon completion of the deposit period. Replenish this contribution and making expense transactions is prohibited. There is no automatic extension of the deposit.

Marina Kuznechkina

Reading time: 8 minutes

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One of the largest organizations in the financial market, Rosselkhozbank, has developed an entire program for working with clients receiving state pensions, benefits, and other payments. It includes not only the offer of special conditions for lending, but also two deposit options and a payment card.

The organization rightfully enjoys increased confidence. The holder of its shares is the state. Deposit protection is provided by an insurance program, which the bank has been a member of since 2015.

“Pension Plus” deposit

From 500 rubles

From 395 days

In this article:

Which deposit should I choose?

The bank offers a wide range of deposits. Some of them are universal, accessible to any citizen of the Russian Federation. A number of special offers are designed for pensioners. The client can choose the most suitable program options himself. Before you start choosing, you should decide which parameters will be beneficial in each specific case. Important deposit characteristics:

1. Minimum amount to open. For pensioners, this value is reduced, which makes it possible for more elderly people to urgently make an investment.
2. Maximum amount of funds. For some deposits there is a limit on the maximum amount of funds. If you need to store a larger amount of money, then you can consider options without an upper limit.
3. The period for opening an investment varies in many programs, and the profitability depends on it.
4. The interest rate in rubles determines monthly income. Its size depends on the term and savings made.
5. Possible account replenishment. You should decide whether this function is needed, because... non-replenishable deposits have a higher interest rate.
6. Using percentages. The investor must decide whether to withdraw the annual income and add it to the principal amount. Various offers from financial institutions for deposits also provide for receiving interest either monthly or at the end of the term.

For each case, you can choose the most advantageous option, so before concluding an agreement you should consult with a bank employee. If the client is a pensioner, then it is not necessary to focus only on special offers, in some cases general programs may be more profitable.

Let's look at the terms and conditions of some publicly available investments:

The Gold Premium offer is available to members of the Ultra or Premium programs. A distinctive feature of the “Profitable” investment is the ability to earn interest. Replenishable deposit “Save for a dream” with knitted with targeted loans for individuals. Funds can be withdrawn without loss of income for payment down payments for car loans and mortgages.

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How to open a deposit in Rosselkhozbank: step-by-step instructions

Once the type of investment has been selected, you can open it both in the office and remotely. People of retirement age prefer to contact the bank in person, so they can get personal advice and conclude a real contract. To open an investment under special conditions you must:

There is a remote way to open a deposit. To do this, the requirement must be met: you must be a client of the bank and have an already open personal account. You can make investments in this service. The money is transferred by transfer to the specified bank account.

Special conditions for pensioners

Deposits for pensioners of Rosselkhozbank:

The “Pension Plus” offer makes it possible to replenish funds without restrictions. It has the following advantages:

1. Cash withdrawals are possible without a time limit.
2. Depositing additional money is permitted.
3. Interest is capitalized.

“Pension income” does not provide the opportunity to withdraw part of the funds during the term of the agreement. However, you can receive money in the form of interest, which can not only be added to the principal amount, but also transferred to another client account.

To others advantageous offer organization is pension card. A pension can be transferred to it. The interest on the balance can reach up to 6%. Plastic is issued free of charge on the day of application. They can pay for purchases, deposit money, withdraw cash without commissions from payment materials

To take advantage special offer, you must provide the following documents:

1. Passport.
2. Pensioner's ID.
3. Help from pension fund on the appropriation of government payments.

Deposits can also be made for a minor. To do this, you must present documents confirming the accrual of payments. If the client has reached the age of 55 for women and 60 for men, registration is simplified. The depositor only needs to present his passport.

Deposit "Pension income"

From 500 rubles

From 395 days

These offers are available not only to old-age pensioners, but also to those who receive government support:

1. Young pensioners who do not come to the common table.
2. Citizens who have state support for health reasons, with other benefits.

Deposit calculator

Deposit amount

Interest rate (%)

Deposit term (months)

Monthly interest

Reinvested withdrawn

How to top up your deposit?

You can replenish your savings, provided that this is allowed by the contents of the agreement, in the following ways:

Offer

Maximum amount

Application online

1. Provide your details at the bank office and deposit cash through the cash desk.
2. Remotely in a personal document.
3. Through an ATM.

How to withdraw funds?

Some investment programs provide for the replenishment and withdrawal of part of the funds without loss of interest and sanctions. The only withdrawal requirement is to maintain a minimum balance, which is 500 rubles. You can receive funds using your card at an ATM or at a bank cash desk. To do this you need to contact the office. The possibility of withdrawing funds is provided by the Pension Plus program.

How to close a deposit?

If you need to withdraw funds before closing your account, you should contact a convenient branch. The following documents are required:

1. An agreement signed by two parties.
2. Closing Statement.

After checking the amount of savings and income, you can receive funds from the cash desk in cash or by money transfer.

Calculation of the profitability of a deposit in Rosselkhozbank

For the convenience of clients, the official website has a calculator that allows you to calculate the prospects for an investment. To use it, you need to type in the appropriate fields the expected amount and the period for which you can leave the funds in the palace.

For example, if you deposit an approximate amount of 2,000 for a period of two years, the profit will be up to 226,000 rubles. The difference between the service and similar ones on other official bank websites is the provision of comprehensive information on all types of investments. This makes the choice easier, since all the conditions are before your eyes.

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Terms of deposit in Rosselkhozbank

Rosselkhozbank is one of the most reliable financial organizations in Russia, its shares belong to the state. Since 2015, he became a participant in the savings insurance program. Clients who have one or more deposits in an amount not exceeding 1,400,000 will be refunded in full if the bank is closed.

When you make an investment at Rosselkhozbank, you will receive a free card “Amur Tiger – card for deposit.” To receive this service, there is a minimum amount that must be in the account. It is equal to 50,000 rubles.

If a saver urgently needs to get money from a savings account, then in most cases he loses income. The interest rate is retained provided that this service is provided for in the concluded agreement. For example, the “Pension Plus” offer allows you to withdraw funds at any time, leaving a minimum balance in the account a small amount at 500 rub. If this clause is not in the agreement, then the account is closed with an interest rate “on demand” equal to 0.1%.