Sovcombank deposits for today. Overview of deposits for individuals in Sovcombank

In Sovcombank for individuals, several deposits (deposits) are available with different interest rates.

Important condition: only holders of the Halva card can receive the maximum interest rate on the deposit. It is not enough just to open it, you need to pay with plastic for purchases in the amount of at least 5,000 rubles a month.

Sovcombank deposits for today - interest

1. Deposit “Regular income”

This is a deposit with monthly interest payments.

On the day of opening the deposit agreement, if the Depositor has not deposited funds to the deposit account, the Bank credits the amount of 0.1 rubles to the deposit account as a bonus. In case of non-receipt on the deposit within 10 calendar days from the moment of opening the deposit, funds in the amount of 30,000 rubles, a Bonus in the amount of 0.1 Russian ruble will be returned to the Bank, the Deposit Agreement will be terminated.

Rate for deposits in Russian rubles (when opened at a branch or Internet bank):

Term (in days) Interest rate (% per annum)
31-90 4,1% –
91-180 4,3% 5,3%
181-270 4,8% 5,8%
271-365 4,8% 5,8%
730 4,8% 5,8%
1095 5,2% 6,2%

Sovcombank opens a special card, money can be sent there or to any existing account.

  • Replenishments and partial withdrawals are not provided.
  • Additional payment is possible no later than 10 days.

Basic conditions for the Permanent income deposit:

  1. Minimum deposit amount– 30,000 rubles (money can be deposited within 10 days).
  2. Minimum deposit amount- 1000 rubles. During the term of the agreement, the amount of all additional contributions cannot exceed the initial amount paid within 10 calendar days from the moment the deposit was opened. Both cash and non-cash methods of replenishment are possible.
  3. Interest accrual
  4. Interest payment– Accrued interest is paid monthly on the date corresponding to the date of opening or prolongation of the deposit, as well as on the date of expiration of the deposit by transferring it to a bank account for settlements of individuals. A "Halva" card is issued to a bank account for settlements of individuals.
  5. Interest paymentin case of early demand of the deposit (in full or in part) – Interest is paid based on the interest rate set by the Bank for demand deposits at the time the deposit is demanded. If interest was paid on the deposit to a bank account for settlements of individuals within an incomplete period, the difference between the amount paid and the amount payable is reimbursed from the amount of the deposit.

2.Deposit “Convenient”

A deposit with a choice of terms, with a good interest rate and the possibility of spending.

There are also no replenishments and withdrawals, interest on the fact is credited at the end of the term. But early termination of the deposit is possible, then the interest is recalculated on the minimum deposit “On demand” (very low interest!)

Deposit term (in days)
3-6 months 91-180 5,1 6,1
6-9 months 181-270 5,6 6,6
9-12 months 271-365 5,6 6,6
24 months 730 5,3 6,3
36 months 1095 5,7 6,7
  • Interest payment– Interest is paid after the expiration of the deposit to the bank account for settlements of individuals, to which the Halva card is issued.
  • Interest accrual– The accrual of interest starts from the day following the day of making the corresponding deposit amount, until the day it is returned to the Depositor, inclusive, and if it is debited from the deposit account for other reasons, then until the day of debiting, inclusive.
  • Minimum deposit amount– 50,000 rubles (money can be deposited within 10 days).
  • Minimum deposit amount- 1000 rubles.

Update: changes in the terms of the deposit Convenient

Now the client can:

  • replenish the deposit during the validity period by an amount not exceeding the amount deposited within 10 calendar days from the moment the deposit was opened;
  • partially withdraw funds from the deposit up to a minimum balance (from 50,000 rubles);
  • make additional contributions in the amount of partial spending amounts (with partial withdrawals).

3.Maximum income

A deposit for those who want to receive the maximum income on funds placed in the bank by a certain date.

Rate for deposits in Russian rubles (when opening a deposit in the office or independently through the Internet bank):

Deposit term (in days)

 Interest rate (% per annum), rubles The rate subject to the conditions of regular turnover on the "Halva" card
1 month 31 days 4,3 –
3 months 91 days 4,5 5,5
6 months 181 days 4,9 5,9
9 months 271 days 4,9 5,9
12 months 365 days 4,9 5,9
24 months 730 days 5,4 6,4
36 months 1095 days 5,8 6,8

It does not provide for expenditure or income transactions, and interest is accrued after the expiration of the contract.

Additional replenishment is possible within 10 days, but not more than the amount of the initial payment.

  • Minimum deposit amount– 50,000 rubles (money can be deposited within 10 days)
  • Interest payment A "Halva" card is issued to a bank account for settlements of individuals.
  • Prolongation of the deposit– Provided on the terms and at the interest rate in force in the Bank on the date of prolongation. The prolongation of the deposit is terminated after the Bank makes the relevant decision. In this case, the deposit amount is transferred to a bank account for settlements of individuals.

4. Deposit “Record Interest”

In this deposit, Sovcombank offers higher rates and terms.

  • Minimum deposit amount– 50,000 rubles (money can be deposited within 10 days from 1,000 rubles in cash and non-cash).
  • Additional contributions– Not accepted after 10 calendar days from the date of opening or prolongation of the contract.
  • Interest accrual– The accrual of interest starts from the day following the day of making the corresponding deposit amount, until the day it is returned, if the account is debited for other reasons, then until the day of debiting inclusive.

Rate for deposits in Russian rubles (when opening at a branch or independently in the Internet bank):

Without the possibility of early termination with interest retained
Term (in days) 2 months (60 days) 6 months (181 days) 1 year (365 days)
Interest rate
(% per annum)		 4,8% 5,3% 5,3%
Interest rate for payments with Halva card – 6,3% 6,3%
  • Interest payment- interest is paid after the expiration of the deposit on the Halva card.
  • Interest payment upon early withdrawal of a deposit(in full or in part) - interest is paid based on the interest rate set by the Bank for demand deposits at the time the deposit is demanded.
  • Spending- No.
  • Prolongation of the deposit. If the deposit is not claimed on the day of its expiration, the deposit is considered to be accepted again on the terms and at the interest rate applicable in the Bank for this type of deposits as of the date of prolongation. The prolongation of the deposit is terminated after the Bank makes the relevant decision. In this case, the deposit amount is transferred to a bank account for settlements of individuals.

5. Deposit “Free”

Deposit with monthly capitalization of interest and the possibility of early termination at ½ rate!

Conditions:

Minimum deposit amount 1,000,000 rubles(money must be deposited on the day the deposit agreement is opened).
Maximum deposit amount No limit.
Additional contributions From 5,000 rubles. Accepted in cash and non-cash way. Acceptance of additional contributions is terminated 30 calendar days before the end of the deposit term.
Spending It is possible to withdraw funds up to the limits of the minimum balance.
Interest accrual The accrual of interest starts from the day following the day of making the corresponding deposit amount, until the day of its return.
Interest payment Interest is paid during the term of the deposit agreement: monthly on the date corresponding to the date (day) of opening the account, from which the prolongation period begins, as well as on the expiration date of the deposit.
Addition of interest to the deposit amount Accrued interest is monthly added to the deposit amount (increases the deposit amount), on which interest is calculated.

Terms and rates of the “Free” deposit

In rubles

Term in months (in days) Rate, % per annum
1 000 000 10 000 000
3 months (91 days) 3,8% 4%
6 months (181 days) 4,4% 4,6%
12 months (365 days) 4,5% 4,7%

Rates for deposits in US dollars (% per annum)

Minimum deposit amount– 25,000 US dollars (funds must be deposited on the day the deposit agreement is opened).

Maximum deposit amount– 5,000,000 US dollars.

Additional contributions– from 100 US dollars. Accepted in cash and non-cash way. Acceptance of additional contributions is terminated 30 calendar days before the end of the deposit term.

Term in months (in days) Rate, % per annum
minimum amount, minimum balance
25 000 200 000 500 000
3 months (91 days) 0,4% 0,5% 0,6%
6 months (181 days) 0,7% 0,8% 0,9%
9 months (271 days) 0,8% 0,9% 1%
12 months (365 days) 0,9% 1% 1,1%

Maximum income with Halva

Increase in the rate by 1% on all ruble deposits for holders of the Halva card.

Conditions for increasing the rate when paying with the Halva card:

The rate increases by 1% at the end of the deposit term, if the following conditions are met simultaneously:

  • made at least 5 purchases during the reporting period;
  • the total amount of purchases from 10,000 rubles for the reporting month (own or borrowed funds);
  • transactions in any stores, including those not included in the list of partners, are taken into account;
  • there is no overdue debt on the Halva card;
  • deposit term over 3 months.

The increased interest rate is applied for the deposit amount up to 1,500,000 rubles. Interest at an additional rate is accrued only for amounts up to 1,500,000 rubles. If the deposit amount is higher, interest is charged only on 1,500,000, the additional rate does not apply to the rest of the deposit.

  1. If the conditions for increasing the rate are not met in at least one reporting period, the deposit rate does not increase.
  2. The reporting period is considered to be the past month from the date (day) of opening the deposit account.

Important Points

  1. All deposits placed with Sovcombank are insured with the DIA.
  2. It is possible to terminate the contract ahead of schedule for all programs, while maintaining the accumulated interest, none of them will work.
  3. The minimum deposit period is 31 days. You can get the highest percentage only with a deposit opened for a period of 1095 days.

How to open a deposit in Sovcombank

Sovcombank deposits for individuals can be issued at branches or via the Internet.

In the department

If you have not yet registered with Sovcombank Internet Banking, you will have to visit a bank branch.

  • Contact any of the nearest Sovcombank offices. You must have a Russian passport with you.
  • The operator will help you complete the necessary paperwork.
  • Deposit money into your account.
  • Deposit is open!

In the Internet bank sovcombank.ru

If you are already registered in the Sovcombank Internet Bank, then you can open a deposit without leaving your home.

  • Log in to the Internet bank sovcombank.ru using your login
  • In the menu, select the item "Open deposit".
  • Select the appropriate deposit using the filter, or select an option from the list provided.
  • Check out the terms.
  • Fill out a short form, specifying the deposit amount in the "I want to invest" field. If you want to transfer funds from another bank, then in the "Debit from the account" field, select the "deposit later" item.
  • Confirm the operation via SMS.

Learn more about interest rates and terms of deposits on the website or by phone: 8-800-200-66-96 (toll-free within Russia).

Special conditions for pensioners

Sovcombank does not offer deposits especially for pensioners. They can use any of the current deposits at the time of circulation.

Bank deposits in foreign currency

There are also deposits that are opened in US dollars and Euros. Foreign currency deposits are not opened in all branches and offices, so check by phone 8-800-200-66-96 about a specific office in your city.

Currently these contributions are:

  1. Deposit "Maximum income"
  2. Deposit "Regular income"
  3. Deposit "Convenient"

1. “Maximum income” in currency

Minimum amount Deposit terms up to a year Term - 2 years Term - 3 years
3 months/91 days 6 months/181 days 9 months/271 days 12 months/365 days 24 months/730 days 36 months/1095 days
500 0,9 1,2 1,3 1,5 1,6 1,7
  • The minimum deposit amount is $500.
  • Additional contributions- not accepted.
  • Spending- not provided.
  • Interest accrual– interest accrual starts from the day following the day of making the corresponding deposit amount, until the day of its return
  • Interest payment- interest is paid after the expiration of the deposit to a bank account for settlements of individuals.

2. “Convenient” in currency

Convenient choice of term with an excellent rate!

Minimum deposit amount:

  • For USD deposits: USD 500

Minimum deposit amount– 100 US dollars.

Rates for deposits in US dollars (% per annum):

Minimum amount Deposit terms up to a year Term - 2 years Term - 3 years
1-3 months (31-90 days) 3-6 months (91-180 days) 6-9 months (181-270 days) 9-12 months (271-365 days) 24 months/730 days 36 months/1095 days
500 0,8 1 1,1 1,3 1,4 1,5

Conditions:

  • Additional contributions- accepted in cash and non-cash, in an amount not exceeding the initial deposit amount (from $100).
  • Spending- No
  • Interest payment- interest is paid after the expiration of the deposit to a bank account for settlements of individuals.

Now you have complete information on currency and ruble deposits and their conditions with interest rates.

Important note

All depositors are issued a Halva installment card, regardless of the amount and term of the deposit. Accrued interest on deposits will be paid on this card. The Halva card can be issued with or without a credit limit (debit card).

Plus the fact that the card can be used as an installment card and as a debit card, which has a number of advantages (the highest cashback on the market for all purchases is 1.5%, the highest% for depositing funds is 8.25%, while the card is free). Cash (interest received) can be withdrawn from the Halva card. There is no commission.

Minus: whether you want to have this card or not, you will have to get it. Without receiving this card, it will not be possible to open a deposit. In any case, in some departments, employees said so. If you insist on refusing the card (this is your right not to issue a card), then the interest will be paid to a separate account, the card will simply not be linked to it.

Interest from the deposit can be transferred to the deposit account and received at the cash desk. There is no commission.

Sovcombank offers the placement of term savings deposits in rubles, dollars or euros. Replenishment of the deposit is possible within the period for placement of the initial amount - 10 days from the date of conclusion of the agreement. There is a savings deposit program, the payment of interest on which can be carried out at a time at the end of the deposit or every month. A special deposit program has been developed to accumulate funds for the purchase of a car. It is allowed to place an expense-accumulative deposit, within which it is possible to increase the principal amount, as well as partial withdrawal. The deposit provides for preferential conditions for premature termination of the contract.

Features of deposits. Any individual over the age of 14 can place a deposit with Sovcombank. Foreign citizens, as well as stateless persons, can open a deposit only in some offices, the list of which is presented on the Bank's website. Deposits provided by Sovcombank have the following features:

  • An increase in the deposit rate is available subject to the active use of the Halva card;
  • After the conclusion of the agreement, the Bank provides the client with a period of up to 10 days, during which he must deposit the desired amount to the deposit account. Within this period, the investor can replenish the principal amount in an unlimited amount;
  • Premature closure of the deposit is allowed with subsequent recalculation of interest at the rate of a termless deposit. For some programs, there is a preferential procedure for early closing of the deposit;
  • Interest can be paid in a lump sum at the end of the term or monthly;
  • It is allowed to make a deposit by a representative in favor of a third party; The client can issue a power of attorney at the Bank's branch where the deposit is opened to carry out the main set of operations on the deposit.

How to open a deposit? Sovcombank makes it possible to make a deposit in the following ways:

  • At the Bank's office. To conclude an agreement, an identity document is required - for example, a passport of a citizen of the Russian Federation or a foreign civil passport. Persons without Russian citizenship may not place a deposit in all divisions, their list is presented on the Bank's website. After the conclusion of the agreement, the client must deposit the required amount on the deposit within 10 days, otherwise the agreement will be terminated by the Bank unilaterally;
  • Remotely - via Internet banking. Access to the service requires a current account or other valid product of the Bank. The possibility of remote deposit placement is not provided for all programs. When opening a deposit for a period of more than 2 years through the Internet bank, the client can receive a surcharge to the rate.

Closing the deposit and withdrawing money. After the expiration of the deposit term, the client can withdraw the full amount by visiting a branch of Sovcombank, you must have an identity document with you. Refunds are made in cash or by bank transfer.

If the deposit is not claimed, the Bank performs auto-prolongation of the deposit on the terms of the primary agreement. Also, the deposit can be closed ahead of schedule, while the interest is recalculated under the terms of the termless deposit, unless a preferential procedure for early termination of the contract is provided.

In this review, the correspondent of the site will tell in detail about all Sovcombank's current deposit programs available to both ordinary individuals and pensioners.

Each of our readers in Moscow, St. Petersburg and other cities in Russia can compare their interest rates and conditions and choose the best option.

Sovcombank deposits for individuals in 2020

Today you can open the following deposits in the bank

It should be noted right away that depositors have the opportunity to increase income if they use the Halva card of Sovcombank.

How to increase the bet with the Halva card

Deposit of Sovcombank "Convenient"

This is a deposit with replenishment, as well as the possibility of partial withdrawal of funds without loss of interest. Money in the amount of 1000 rubles or more can be transferred both in cash and non-cash. The main thing is that the total amount of all additional contributions does not exceed the initial amount of the contribution. You can withdraw funds up to a minimum deposit amount of 50,000 rubles. Like other deposits of Sovcombank, it provides for an increase in the interest rate when paying with the Halva installment card.

Interest rates

When opening in the office and over the Internet

Term, days

Bid

When calculating Halva
6,1

Conditions

☑ Term: from 91 to 1095 days;
☑ Amount: from 50,000 rubles;
☑ Replenishment: yes;
☑ Partial withdrawal: yes;
☒ Capitalization: no;
☑ Interest payment: at the end of the term;
☒ Early termination: at the rate "On Demand".

Deposit of Sovcombank "Permanent income"

This is a deposit with monthly interest payments. It is suitable for those who can put a large amount in the bank, in order to live later, removing the accrued interest. The account can also be replenished if there are free funds. The downside is that the withdrawal of the principal amount of the deposit (partial or complete) will entail the loss of accrued interest.

Interest rates

In rubles

Term, days

Bid

When calculating Halva
5,8%
5,8%

Conditions

☑ Term: from 31 to 1095 days;
☑ Amount: from 30,000 rubles;
☑ Replenishment: yes;
☒ Partial withdrawal: no;
☒ Capitalization: no;
☑ Interest payment: monthly;
☒ Early termination: at the rate "On Demand".

How to open a deposit in Sovcombank

You can make deposits for individuals in branches or via the Internet.

✓ In the department

If you have not yet registered with Sovcombank Internet Banking, you will have to visit a bank branch.

1 Contact any of the nearest Sovcombank offices. You must have a Russian passport with you.
2 The operator will help you complete the necessary paperwork.
3 Deposit money into the account.
4 Contribution is open!

✓ Through the Internet

If you are already registered in the Sovcombank Internet Bank, then you can open a deposit without leaving your home.

1 Log in to the Internet bank sovcombank.ru using your login
2 Select Open Deposit from the menu.
3 Select a suitable deposit using the filter, or select an option from the proposed list.
4 Read the terms.
5 Fill out a short form, indicating the amount of the deposit in the "I want to invest" field. If you want to transfer funds from another bank, then in the "Debit from the account" field, select the "deposit later" item.
6 Confirm the operation via SMS.

How to replenish deposits

Today, it is possible to replenish bank deposits for individuals both at the branch and online. For this:

1. Log in to the Internet bank sovcombank.ru using your login
2. Go to the "Deposits" section.
3. Select the deposit that you plan to replenish, click the "Deposit" option.
4. Deposit money by transferring it from your account at Sovcombank, from another bank or from a card of another bank.
5. Fill out a short form.
6. Confirm the operation via SMS.

Conclusions: what is the most profitable deposit of Sovcombank today

In this review, the correspondents of the site examined in detail all the deposit programs of Sovcombank operating today. Now we can draw some conclusions. Let's compare the profitability of deposits, bringing them to a common denominator. Let's say we want to invest 100,000 rubles for 1 year. Which of the deposits will have the highest percentage?

Comparative table of profitability of deposits of Sovcombank

(based on the amount of 100,000 rubles and a period of 1 year)

*) excluding increase when paying with Halva card

As you can see, the “Winter Holiday” deposit is the most profitable today.

However, it should be noted that the conditions for setting interest rates in Sovcombank are rather confusing. Therefore, before making a particular deposit, be sure to carefully read the agreement and check all the details with a bank employee, says an expert site on deposit programs Viktor Davidenko.

Question answer

? Can I open multiple deposits at once?

Yes. The client can make any number of deposits.

? Can I withdraw money before the expiration date?

Yes. You can do this at any time. But the interest will be calculated based on the interest rate of the deposit "On Demand", which today is 0.01% as in rubles.

? What happens if you do not withdraw the money at the end of the deposit term?

In this case, the deposit will be extended on the terms and at the interest rate in force at the bank on that date. The extension of the deposit is terminated after the bank makes an appropriate decision. In this case, the money is transferred to a bank account for settlements of individuals.

? Are there deposits for pensioners in Sovcombank today?

Unfortunately no. For example, in Sberbank, pensioners will receive the maximum interest on deposits, regardless of the amount. Rosselkhozbank has special deposits for persons of retirement age. And in Sovcombank nothing of the kind is provided today. Seniors will receive the same percentage as regular individuals. However, this does not make the bank's offer less attractive.

Professional advice

What determines the interest rate on a deposit?

“Banks offer the highest yield on classic deposits, that is, without the possibility of replenishment and withdrawal of funds during the entire period of the deposit (for example, Winter Holiday - ed.).

Bank offers with interest payments to another account, that is, without capitalization (For example, Permanent income - ed. note), are of interest to those who want to use the income from the deposit to finance their current expenses.

Refillable-revocable deposits (For example, Convenient - ed. note) are suitable for those who are not sure of their savings abilities or are only at the very beginning of savings formation. Despite the lower yield, these deposits have an important advantage - they allow you to manage funds and at the same time receive additional income, ”says Anastasia Gileva, a banking professional who manages the operational office of Absolut-Bank in Ufa.

How reliable is Sovcombank for deposits?

Sovcombank is one of the five largest private banks in the Russian Federation in terms of assets, number of offices and territorial coverage. There are branches of Sovcombank not only in Moscow and St. Petersburg, but also in many other cities of the country. To date, the bank served through 2,648 offices 4.4 million retail customers residing in 1,051 settlements in Russia.

In addition, it should be noted that the bank is included in the state deposit insurance system. This means that deposits for individuals in Sovcombank are insured by the state. The maximum amount of compensation for an insured event today is 1.4 million rubles.

Contacts for information and consultations

Learn more about interest rates and terms of deposits on the official website sovcombank.ru

Tel.: 8-800-200-66-96 (toll-free within Russia).

The Moscow branch of PJSC Sovcombank is located at the address: 123100, Moscow, Krasnopresnenskaya nab., 14, building 1.

General license of the Bank of Russia No. 963. The information is not a public offer.

The amount of money on the account of a banking institution, which the depositor places in order to receive profit in the form of accrued interest, is called a bank deposit. When investing his money in a bank, it is advisable for the client to provide for the possibility of obtaining the maximum income from the deposit and how not to lose the previously accrued interest.

Therefore, before signing a deposit agreement, it is necessary to consider all possible conditions for placing funds in Sovcombank, a bank with a high degree of reliability that does not let down its depositors even during difficult periods of the crisis.

Who can open a deposit in Sovcombank

  • A client can become a depositor from the age of 14 to retirement age.
  • It is possible to open a deposit both in your own name and in the name of a representative.
  • In the branch of the bank where the deposit is opened, you can issue a power of attorney for persons whom you entrust with the disposal of the deposit.

Types of deposits

Sovcombank depositors (individuals) are provided with ample opportunities for every taste, both in national currency and in foreign. Depending on the planned deposit amount or deposit term, there are the following deposit options (in rubles).

Deposit "Maximum income"

A deposit for clients who want to get the maximum benefit from the funds placed in the bank. The deposit amount is set in the range from 1000 rub. up to 30000 rub. During the entire period of the deposit, it can be replenished both in cash and by bank transfer. In this case, the maximum amount of replenishment cannot exceed the amount of the initial deposit.

After the expiration of the agreement, interest is accrued on the bank account of individual depositors. If the client wishes to withdraw the deposit ahead of schedule, in this case the bank pays interest based on the interest rate established for demand deposits at the time the deposit is demanded - 0.01%.

When using the deposit for a full year (2, 3 years):

  • for a full annual term, interest is accrued based on the interest rate specified for the relevant annual period;
  • for an incomplete annual period of funds in the deposit, interest is calculated based on the interest rate “on demand” at the time the deposit amount is demanded.

Partial withdrawal of the deposit is not provided.

Terms and interest rates
Term
(in days)		 31-90 91-180 181-270 271-365 366 731 1096
Interest rate 9,5% 10,5% 11% 10,9% 10,9% 10% 10%

Deposit "Regular income"

Convenient deposit with monthly interest payment. The minimum deposit amount is set at the level 1000 rubles, maximum - 30,000 rubles. The conditions for monthly replenishment are the same as for the "Maximum income" deposit, and replenishment is possible in cash and non-cash form.

Payment of interest on the deposit occurs every month on the day (day of the month) when the deposit was opened. On the expiration date of the deposit, the final payment of the accrued interest to the settlement account of individuals takes place. In case of early demand of the deposit, the rate of the bank “On Demand” applies.

As in the previous case, partial withdrawal of the deposit is not provided.

Terms and rates
Without the possibility of early termination without loss of interest Early termination without loss of interest
every 12 months
Term
(in days)		 31-90 91-180 181-270 271-365 366 731 1096
Interest rate 9% 9,5% 10% 9,9% 9,9% 9% 9%

Deposit "Interest on interest"

Convenient deposit with monthly interest capitalization.

Restrictions on the amount of the deposit are standard in Sovcombank: from 1000 to 30000 rubles. with the possibility of additional replenishment of the deposit (cash, non-cash).

Interest is paid monthly during the entire period of the deposit. If the interest paid has not been claimed during the term of the deposit, then the payment will be made at the end of the term of the deposit together with the entire amount.

Terms and interest rates
Without the possibility of early termination without loss of interest Early termination without loss of interest every 12 months
Term
(in days)		 31-90 91-180 181-270 271-365 366 731 1096
Interest rate 9,5% 10,5% 11% 10,9% 10,9% 10% 10%

Deposit "Always at hand"

The deposit provides for free replenishment and simple withdrawal of money at any time of the contract, while maintaining good interest.

The conditions of this deposit differ from the conditions of previous deposits. So, the minimum deposit amount is already 30,000 rubles, and the maximum is 3,000,000 rubles! Obviously, with such an investment, a good profit is expected.

The minimum replenishment amount is 1000 rubles, but not more than the initial deposit amount. Partial withdrawal becomes possible up to the minimum non-withdrawable balance (1000 rubles), and there is no loss of interest.

Interest is paid monthly. In case of early withdrawal of the deposit for the whole annual period, interest is paid in full, for an incomplete year the interest rate is 0.01%. Usually the deposit agreement is concluded for 2 years.

The interest rate for deposits in rubles is 6% per annum.

Deposit "On Demand"

In other words, a bank account on favorable terms.

In this case, no minimum deposit amount is required. Interest accrual starts from the next day after the deposit is made and until the day the money is fully returned to the depositor.

After a calendar year of keeping money in the bank, the amount of the deposit increases by the amount of accrued interest. The interest rate is 0.01% per annum.

Term deposit "Golden Time"

Deposit program for salary projects, for pensioners and other persons receiving social benefits. In practice, this contribution is referred to as a pension contribution. Amount 1 rub. already counted as a contribution.

The income from the deposit is 8% per annum, but if there were no transfers (salary, pension accruals) within 2 months, then the bank's rate is reduced to 3%. After the funds are credited, the interest rate increases.

Interest is accrued from the day following the opening of the deposit. Interest is paid when the deposit is closed along with its principal amount. The deposit agreement is automatically extended after its expiration date.

Foreign currency deposits

In Sovcombank, it is possible to make deposits in US dollars and euros. For this, the profitable programs "Maximum income", "Interest on interest", "Permanent income" are used. The interest rate is set depending on the term of the concluded agreement:

  • demand deposit: 0.1% per annum in both dollars and euros;
  • up to 90 days: 0.989% in USD and EUR;
  • from 91 to 180 days: 1.989% in USD and 1.74% in EUR;
  • from 181 days to a year: 3.491% in dollars and 2.992% in euros;
  • from 1 year: 2.995% in USD and 2.496% in EUR.

The minimum amount required to open a deposit is 500 dollars (euros). As for the minimum replenishment amount, it is not the equivalent of the amount in the currency of the Russian Federation and is 100 US dollars or 100 euros.

Why is it profitable to place deposits in Sovcombank?

  • The conditions for deposits are the same regardless of the amount.
  • The bank offers a variety of deposit conditions to choose from.
  • Pension deposits in this bank are considered the most profitable.
  • All deposits are insured under the state insurance system.

An additional advantage is the unconditional convenience of registration and replenishment of deposits. Now this can be done through Internet banking, as customers love, without leaving their homes or workplaces.

Sovcombank is one of the largest banks in the country. The financial institution was created on the basis of Buycombank, founded in 1990. In subsequent years, the organization developed steadily. The institution successfully serves individuals and legal entities. Sovkmobank has a wide regional representation, and the number of the organization's clients has a steady upward trend.

Sovcombank deposits can be opened in different currencies. Ruble deposits, as well as deposits in US dollars, are very popular. Some programs offer monthly interest payments. The option of partial withdrawal of a certain amount depends on the terms of cooperation.

Deposits for pensioners are provided on the most favorable terms. Depending on the term of the deposit, the total amount will be formed. The highest interest rates on deposits are relevant for time deposits without the possibility of replenishment. Programs with the payment of income at the end of the term also have good deposit rates.

You can open deposits for individuals at any branch of the bank. A potential client of a financial institution is offered a banking product with the possibility of capitalization. Periodic transfers to the deposit account increase the final return on savings. Some deposits are automatically extended without a mandatory application to the bank.

Bank contacts

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