Post Bank: profitable deposits for individuals in 2019

Post Bank deposits for individuals in 2019 are an opportunity to save your savings from inflation and even earn a little on interest. Today, Post Bank's line of savings products includes 4 main types of deposits. Each of them has its own distinctive features. For comparison, the site’s correspondents have summarized them in a small table:

Below we will talk in detail about each of them and try to choose the most profitable Pochta Bank deposit to date.

In the meantime, it should be immediately noted that Pochta Bank currently does not have expense deposits with partial withdrawal of funds without loss of interest, as well as any special benefits for early termination of the deposit agreement. This means that when depositing savings, you need to accurately calculate your financial capabilities. Of course, you can withdraw your money at any time, but only without accrued interest.

Another feature of Post Bank savings programs in 2019 can be considered the absence of deposits in foreign currencies: US dollars and euros. Deposits for the population at Pochta Bank today can only be opened in rubles. However, this does not prevent him from attracting more and more investors.

Post Bank deposits for pensioners in 2019 - features

Before you start comparing the conditions and rates of Post Bank savings programs, you need to say a few words about the features of attracting money from older people.

Deposits of individuals at Post Bank for pensioners in 2019 are not specially allocated from the basic line of deposits, as in some other places. Simply, when opening a particular deposit, pensioners receive an increased interest rate.

Today deposits for pensioners in Pochta Bank have a bet on 0.25 percent per annum above than for other individuals (“Pension” tariff). To receive an increased rate, it is enough to present a pension certificate or a certificate from the Russian Pension Fund.

By the way, by the same amount ( +0.25 percent per annum) the deposit interest rate increases under two more conditions:

1. when opening a deposit online - through Mobile or Internet Banking,

2. when switching to the “Active” tariff.

Post Bank deposits for individuals in 2019: interest and conditions

Let's consider under what conditions and at what interest rates it is possible to open deposits for individuals with Post Bank today. Let's compare their pros and cons. We’ll start our review with the new seasonal deposit. This is the best offer to date.

New deposit of Pochta-Bank “Maximum”

This is a seasonal offer and is only valid until July 1, 2019. So, if you want to take money to Pochta Bank, then hurry up.

The main advantage of this deposit is the increased interest rate - 7.15% per annum in rubles. But under certain conditions, the rate can be increased by 0.25 percentage points. For example, when opening a deposit in Pochta Bank Online, for clients who have a savings account with the Active tariff plan or for pensioners.

The main conditions for attracting money are typical for seasonal offers: interest is paid at the end of the entire period of 367 days, partial withdrawal without loss of income is not provided.

Conditions

• ☑ Duration: 367 days;
• ☑ Amount: from 100,000 rubles;
• ☑ Replenishment: only in the first 10 days after opening;
• ☑ Expense transactions: no;

Interest rates

Deposit of Post Bank "Capital": interest and conditions

This deposit involves receiving maximum income - up to 7.25 percent per annum. To get this benefit, you need to make a deposit through online banking. Also, pensioners can receive the highest interest rate.

The “Capital” deposit can be replenished only during the first 10 days after opening. Strictly speaking, this cannot be called a replenishment. Rather, it is an opportunity to extend the time of making the deposit amount. So, if you were planning to periodically deposit part of your salary or pension into the bank, then this deposit will not suit you.

It is also impossible to withdraw part of the money already invested without losing interest. In case of early termination of the deposit agreement, interest will be paid at a rate of 0.1% per annum, so plan your expenses in advance for the entire period of the deposit.

Interest on the Capital deposit is paid at the end of the term. When the deposit is closed, the money is transferred to the Savings Account, from where funds can be withdrawn in cash at an ATM or transferred to another bank.

Along with the deposit, a “Savings account” and a MIR debit card are opened for free.

Conditions

• ☑ Placement period: 6, 12, 18 months;
• ☑ Minimum amount: from 50,000 rubles;
• ☑ Payment of interest: at the end of the term;
• ☑ Early termination: at a rate of 0.1% per annum.

Interest rates

Special conditions apply to pensioners (tariffs “Pension”, “Salary pensioner”), when opening a deposit through Post Bank Online, when switching to the “Active” tariff

Duration, days	Basic conditions	Special conditions
	6,8-7,0%	7,05-7,25%

Deposit of Post Bank "Dokhodny": interest and conditions

Interest on the “Profitable” deposit is paid monthly. This means it can be convenient for those who plan to periodically receive income from their invested money. People call this “living on interest.” Otherwise, it is very similar to the previous deposit from our Capital review.

Simultaneously with the “Profitable” deposit, a “Savings account” and a MIR card are opened for free, which you will then need to receive money and interest.

Pensioners and those depositors who make a deposit online through Internet banking, as well as when switching to the “Active” tariff, can receive an increased rate of 0.25%.

To gradually deposit money into the deposit account, replenishment of the deposit is provided during the first 10 days (additional contributions are not allowed at other times).

The conditions also do not provide for partial withdrawal of money from the deposit without loss of profitability, and in case of early termination, you will be charged interest at a rate of 0.1% per annum.

At the end of the entire deposit period, the money is transferred to the Savings Account, from where funds can be withdrawn in cash at an ATM or transferred to another bank.

Conditions

• ☑ Minimum deposit amount: from 500,000 rubles;
• ☑ Replenishment: allowed only during the first 10 days after opening;
• ☑ Capitalization: not provided;
• ☑ Expense transactions: not allowed;
• ☑ Interest payment: monthly;
• ☑ Early termination: at a rate of 0.1% per annum.

Interest rates

Special conditions apply to pensioners (tariffs “Pension”, “Salary pensioner”), when opening a deposit through Post Bank Online, when switching to the “Active” tariff

See what interest rates VTB Bank gives on deposits.

Deposit of Post Bank "Accumulative": interest and conditions

This deposit is suitable for those who intend to save money by replenishing their bank account. Additional contributions to the deposit can be made throughout the entire term, and their minimum amount is not limited. The deposit can be replenished monthly by at least 100 rubles, at least 500 thousand.

Another important feature is that interest on the Accumulative deposit is capitalized every 92 days, replenishing the deposit amount.

Partial withdrawal of money from the deposit without loss of profitability is not provided. But the conditions for early termination of the deposit agreement are interesting. In particular, if you decide to withdraw the money before the due date, then all previously paid interest will remain. But interest for the period from the last payment to the date of termination of the contract will be accrued at a rate of 0.1% per annum. As you can see, the conditions for early withdrawal of the deposit are quite flexible!

When the deposit is closed, the money is transferred to the Savings Account, from where the funds can be withdrawn in cash at an ATM or transferred to another bank.

In a word, the terms of the Post Bank “Accumulative” deposit are quite favorable, and the interest rate has not let us down - up to 6.5% per annum today. Well, let us remind you that pensioners and those depositors who make a deposit online through Internet banking, as well as when switching to the “Active” tariff, can receive an increased rate of 0.25%.

Conditions

• ☑ Placement period: 12 months;
• ☑ Minimum amount: from 5,000 rubles;
• ☑ Replenishment: allowed throughout the entire period;
• ☑ Capitalization: provided;
• ☑ Expense transactions: not allowed;
• ☑ Interest payment: quarterly;
• ☑ Early termination: without loss of interest paid.

Interest rates

6.50% (6.66% with capitalization) - basic conditions;

6.75% (6.92% with capitalization) - for pensioners (Pension, Salary Pensioner tariffs), when opening a deposit through Post Bank Online, when switching to the Active tariff.

See the most profitable replenishable deposits today - review >>

Post Bank deposit calculator 2019: calculate income

The Post Bank online deposit calculator for individuals will help you calculate income depending on the interest rate and term. It allows you to find out the profitability taking into account capitalization, replenishment and withdrawal of funds from the account.

Post Bank savings account: conditions and interest

A Post Bank savings account is a bank account with a MIR card for saving money, increasing it and conveniently using it.

You can transfer your salary or pension to your Savings Account at Post Bank. You can spend money without restrictions, and interest will be accrued on the minimum balance of funds in the account during the month.

Interest is paid monthly, capitalizing on the account, and when withdrawing funds, the income received remains with you.

Interest rates

The Post Bank savings account has “Basic” tariffs for ordinary individuals, as well as “Salary”, “Pension” and others with an increased interest rate.

See what the most profitable deposits for the population are offered by reliable Russian banks today.

What is the “Active” tariff at Pochta Bank?

Pochta-Bank clients, both ordinary individuals and pensioners, can apply for the “Active” tariff. Why is this beneficial?

Because when switching to the “Active” tariff, the bank offers

• √ increased interest rate on deposits by 0.25% per annum;
• √ increased by 1% rate on the minimum balance on the Savings account;
• √ reduced by 2% per annum rate on a cash loan.

How to switch to the “Active” tariff?

To switch to the “Active” tariff, you just need to spend using a Pochta Bank card or make payments to Pochta Bank Online for a total amount of at least 10,000 rubles per month. As soon as this condition is met, all the benefits of the “Active” tariff will be activated automatically.

How to open a deposit in Pochta Bank: step by step

If you are not yet a Post Bank client, proceed as follows:

• 1. Contact an employee of the Pochta Bank customer center with a Russian passport and mobile phone;
• 2. Open a Savings Account and choose the method of opening a deposit: through online and mobile banking (+0.25%) or a written application at the client center (+ 0.25% for pensioners, “Pension” tariff);
• 3. Deposit money through: Internet and mobile banking / ATM / interbank transfer (+0.25% on the transfer amount).

If you are already a client of Pochta Bank, then it is not necessary to visit the client center to open a deposit (if you wish, you can open a deposit in the client center). All you need to do is follow these steps:

• 1. Open a deposit in an online or mobile bank (and receive +0.25%);
• 2. Deposit funds: via online and mobile banking / ATM / interbank transfer (+0.25% on the transfer amount).

How to replenish Pochta Bank deposits

Funding your deposit account is quite simple. For this:

• 3. Deposit money and receive a check.

“Capital” and “Income” deposits can be replenished within the first 10 days after opening. You can deposit money into the “Accumulative” deposit for the entire term of the agreement.

The terms of deposits provide for SMS notification. You will receive SMS messages from the bank about each receipt of funds on the deposit, as well as about an increase in the interest rate when the deposit reaches the level of the next amount gradation.

How to withdraw money

When closing the deposit, funds are transferred to the Savings Account. And from there you can withdraw funds in cash from an ATM or transfer them to another bank. For this:

• 1. Get a local card. The PIN code will be sent to you via SMS message to your mobile phone;
• 2. Select the appropriate item from the menu on the screen;
• 3. Receive funds and receipt.

If you urgently need money, you can get it any day. To do this, you need to contact the bank’s customer center with an application. Interest on the deposit will be paid at a rate of 0.1% per annum.

Conclusions: which Pochta Bank deposit is the most profitable?

The answer to this question would seem to be quite simple. The “Maximum” deposit has the highest interest rate today, which means it can be considered the most profitable. But if the client needs a monthly withdrawal of interest, then the “Profitable” deposit will be the most suitable for him.

If you plan to replenish your deposit from time to time, then the “Accumulative” deposit will be the most profitable for you.

Pochta Bank's popularity with customers owes much to its origins. The Post Bank project was launched by the joint efforts of two giants - Russian Post and VTB Bank. Today Post Bank is part of the international financial group VTB and is a bank with state participation.

The head office is in Moscow, but others are located in post offices throughout Russia, which is very convenient. It is possible that soon Pochta Bank will be able to compete with Sberbank of Russia in terms of the size of its branch network.

Deposits of individuals in Pochta Bank in 2018 were insured by the state, which means that even if the bank ceases to exist, which is unlikely, clients can count on reimbursement of the deposit amount with interest in the amount of no more than 1.4 million rubles.

Contacts

For details about the terms and interest rates of the deposit, please visit the official website of Post Bank www.pochtabank.ru or contact Bank employees.

Customer service phone number: 8 800 550 07 70.

The information is not a public offer. License of the Central Bank of the Russian Federation for banking operations No. 650.

The Seasonal Postal Deposit of the Bank of Russia is a temporary offer with favorable conditions. You can open a Seasonal deposit until June 30, 2017.

Conditions of the Seasonal deposit in Post Bank for pensioners

The Seasonal deposit is similar in many respects to other bank programs. The terms of the Seasonal Pochta Bank deposit are expressed as follows:

• Currency: national;
• Size: 50 thousand rubles;
• Period: 1 year;
• Additional contributions: allowed only within 10 days after opening the deposit or from the date of extension.
• Withdrawal of money before the end of the deposit period: not provided;
• Interest accrual: on the last day;
• Prolongation: according to the terms of the Capital deposit.

Please note: at the moment this deposit is not available in Post Bank. Perhaps the savings program will be returned by the bank in the near future.

The Capital contribution is in many ways similar to the Seasonal contribution, but its duration is chosen by the client: 6 or 12 months. The main difference is interest, since for the Capital deposit they depend on the amount of the balance, and for the Seasonal deposit they are fixed.

The interest rate on the Seasonal deposit is 8.25%. When prolonging, it is assigned according to the amount of the balance:

• Up to 500 thousand rubles: 7.75%;
• 500-1500 thousand: 8%;
• From 1.5 million: 8.25%.

Ways to increase deposit profitability

If certain conditions are met, you can receive a bonus:

• +0.25% - when making a deposit through remote services (mobile, online banking);
• +0.25% - for pensioners receiving a pension from the Post Bank of Russia;
• +0.25% - upon activation of the Pension tariff (applied from the date of switching).

These allowances are not cumulative; it is permissible to use only one of them. For example, opening a Seasonal deposit at Post Bank for pensioners through remote services will not bring additional income. Pensioners will be able to receive the supplement they are entitled to when applying for the Pension tariff.

You can also get an additional increase of 0.25% if you deposit funds by interbank transfer. Today there are negative reviews regarding the application of this rule. In particular, the reviews indicate that the transfer process is not described in the contract, and employees are not always ready to provide quality advice. Therefore, when sending money to any of your accounts from another institution, and subsequent transfer to a deposit, the client does not receive a bonus.

The reviews describe situations of litigation with Pochta Bank in which it is not possible to achieve a revision of the rate. Therefore, if you want to get improved conditions, you need to study in detail the rules for conducting interbank transfers and perform it specifically on a deposit.

Making a deposit at the Russian Post Bank

To open a Seasonal deposit, you need to submit an application through online banking or visit a branch with a Russian passport. The bank calls a prerequisite that the depositor must have a mobile phone, with the help of which communication takes place and important notifications are sent. In reviews you can find cases of refusal to make a deposit if the client does not have a cell phone.

The client will need to open a Savings account and a direct deposit. At the same time, an agreement is signed, you can also apply for a Pension tariff if you want to receive increased income on the deposit (for pensioners).

You can deposit money in any way:

• Transfer via Internet banking from another Bank of Russia Post account/card.
• Deposit cash through an ATM.
• Send a transfer from another bank (to receive a bonus).

To receive the described and other privileges on banking products, pensioners will need to transfer their pension receipt to the Post Bank of Russia, which happens in this order:

1. Go to the branch with SNILS and passport.
2. A pensioner is opened a Savings account and given a bank card for ease of use.
3. Submit an application to the Russian Pension Fund to transfer contributions to Pochta Bank.

Already upon receipt of the first pension, the investor’s rate changes. Also, a pensioner can take out a loan with a lower overpayment.

Rules for closing a deposit Seasonal

When using the Post Bank Seasonal Deposit, the depositor is sent notifications about all operations: deposits, extensions, rate changes (when moving to another category according to the balance amount, which corresponds to other tariffs).

When closing the deposit, all accrued interest is transferred to the client. Funds from the deposit are transferred to the Savings Account. Afterwards they can be withdrawn and transferred to other accounts, incl. to another bank, or leave it at the Savings Bank. When choosing the latter method, income is credited to the balance, depending on its value:

• Up to 100 thousand rubles: 3.5%;
• Above: 6%.

For pensioners the rate is 1% higher. According to reviews, the Savings Project can be a worthy replacement for a deposit. Its advantage is the possibility of free use of funds and the absence of time frames.

Reviews also note the ease of managing it through online services. You can use it to pay utility bills and other bills, send transfers or withdraw cash from an ATM. Income is credited to the minimum balance maintained during the month.

The Seasonal deposit is subject to insurance in the state system of income protection of citizens. This means that in any situation, investors will receive their savings

Conclusion

According to reviews, the Seasonal Post Bank deposit offers the highest percentage of return compared to other deposits. But you can only take advantage of the offer until the end of June 2017. There are several opportunities to increase the level of profitability of the deposit, as well as separate conditions for pensioners.

Each bank tries to offer pensioners improved conditions for savings programs. In 2018, Post Bank offers more favorable interest rates on deposits for pensioners than for other categories of citizens.

Conditions for deposits for pensioners in 2018

Separate deposit programs at Pochta Bank for pensioners are not available today. They can take advantage of one of the general offers, but receive an increase to the standard percentage within the Pension tariff in the amount of 0.25%.

Main advantages in 2018 for senior citizens at Post Bank:

• reduced interest rates on loans;
• increased interest on deposit;
• increased interest on a savings account.

The process of transferring a pension to the Post Bank of Russia in 2018 includes the following steps:

1. Visit the office with your ID and SNILS.
2. Open a Savings Account and receive a free plastic card for it.
3. Submit an application to the Pension Fund for the transfer of contributions to Post Bank.
4. When registering, the client uses the terms of the Basic project. After receiving the first pension, it is automatically transferred to the Pension.

Seasonal deposit

The terms and conditions of the Seasonal Offer are as follows:

• minimum amount: 50 thousand rubles;
• period: 367 days;
• interest rate fixed: 8.25%;
• interest calculation: on the last day of validity, all calculated interest is added to the balance;
• replenishment: possible in the first 10 days of the program;
• withdrawal of money from the balance: not allowed;
• prolongation: occurs according to the terms of the Capital deposit.

To open a Seasonal deposit, you must go to the office with your ID to sign an agreement and open a deposit.

Existing clients can open a deposit via Internet Banking. For remote access you receive a bonus of +0.25% to the bet. But only one type of bonus is available: pension or for online deposit registration.

When opening a deposit, the client is given a card, the PIN code of which is sent via SMS.

You can deposit money in several ways:

• ATM;
• Internet bank;
• transfer from another financial institution.

For the amount sent using the latter method, the yield is calculated at an increased rate: +0.25%. Thus, today it is possible to increase the tariff offered by Post Bank by a maximum of 0.5%. Uniform rules apply to all types of deposits.

When closing the Seasonal Pension Deposit in the Post Bank of Russia, all funds, taking into account accrued income, are sent to the Savings Account. The investor can leave them on it to receive additional income or withdraw them.

If you need to receive money before the end date, you must submit a corresponding application to Post Bank. For early withdrawal in 2018, 0.1% applies. Similar conditions apply if the balance drops below 50 thousand rubles.

Favorable Capital contribution

The Capital contribution to the Post Bank of Russia in 2018 provides the opportunity to receive maximum income. The conditions for it generally correspond to the program described above.

The difference is the interest rate, which depends on the size of the investment and its duration:

• 50 – 500 thousand rubles: 7.75% when placed for a year;
• 0.5-1.5 million: 8%;
• from 1.5 million: 8.25%.

The contract can be concluded for six months, with interest charged at 0.25% lower. These are the most profitable deposits for pensioners in Post Bank today.

The profitability is calculated at the end, adding to the existing balance. The rules for opening, replenishment and closing in 2018 are similar to those described for the Seasonal project.

Deposit Profitable

The Profitable deposit is designed for large investments for individuals who want to gain a little more freedom in choosing interaction parameters. In particular, it is allowed to set any duration, not necessarily a multiple of a year or 6 months.

Today, the income deposit of the Post Bank of Russia provides quite high interest rates for pensioners:

• from 500 thousand: 7.5%;
• from 1.5 million: 7.75%.

The calculation occurs every month on the day the deposit is opened, and the income is added to the balance.

In case of termination of the contract ahead of schedule, the payment rules are slightly different in 2018:

• if you have a deposit for 1-180 days in Post Bank: 0.1%;
• for a longer period: 4.5%.

Accumulative pension deposit

A special feature of the Savings Deposit at the Post Bank of Russia is the accrual of interest every 92 days, after which they are capitalized. At the same time, the pensioner gets the opportunity, if the deposit is closed early, not to lose the funds already credited to him for the past period.

The parameters of this pension deposit are more flexible:

• minimum amount: 5,000 rubles;
• period: year;
• addition to the initial investment: at any time;
• accrual: once a quarter;
• prolongation: carried out for a similar period according to the rules in force at a particular time for this program.

Today, the Savings Deposit is beneficial for pensioners who do not have a large sum initially, but are ready to make additions to increase their savings.

Due to such relaxations, the interest on deposits for pensioners at the Post Bank of Russia is slightly lower than for those described above:

• Up to 0.5 million rubles: 7%;
• Over: 7.25%;
• Over 1.5 million: 7.5%.

Due to capitalization at the end of each quarter, i.e. increase in the balance sheet by the amount of net profit, the indicated values ​​increase by 0.18-0.21%. Interest already received by the pensioner is not subject to return to the Post Bank of Russia.

Interest on Savings Account today

If for some reason the described Bank of Russia Post deposits for pensioners are not suitable, they are offered an alternative - a Savings Account. Today it is considered more profitable due to the ability to freely manage funds: withdraw if necessary, deposit any amounts at any time. Another advantage is the absence of a validity period and the need for renewal.

Favorable conditions for a Savings account at Post Bank of Russia

It can be used as a regular one (banking or settlement), i.e. carry out any operations with its help:

• replenishment in cash, from cards of other banks, incl. via Internet banking;
• transfers to any cards;
• payment for housing and communal services, mobile communications and other companies for services;
• cash withdrawal;
• control and management of funds through remote services.

Unlike deposits for pensioners in Pochta Bank, the Savings Account is issued with an international Visa Classic or Platinum card or a MIR card with free service for the convenience of settlements and non-cash transactions. The classic card is unnamed and is issued immediately at the branch, while the rest can be received by mail if you do not want to visit the office of the Post Bank of Russia again.

On the minimum balance remaining during the month, income is accrued, which in 2018 is:

• up to 100 thousand rubles: 4.5%;
• over: 7%.

These parameters are currently valid only for pensioners within the Pension tariff.

If the pensioner has not connected it, he will receive the following yield:

• up to 100 thousand rubles: 3.5%;
• over: 6%.

This offer is beneficial if the investor needs to withdraw all or part of his savings. In this case, there is no recalculation, rate change, etc. The money credited to the client can be disposed of freely; it is not subject to return or revision.

Alerts about deposit transactions in the Post Bank of Russia

Deposits for pensioners at Post Bank for 2018 include the possibility of remote notification.

The depositor receives the most important information about the status of his funds via SMS:

• receipt of money on deposit;
• adding interest to the balance;
• tariff increase when the next balance threshold is reached;
• transfer of funds (at closing).

Today, Post Bank, in accordance with the requirements of Russian legislation, is a participant in the deposit insurance system. Every investor can be confident in their savings. They are protected by the Russian insurance system and, even if the bank is liquidated, will be returned to pensioners within the limits established by law.

Conclusion

The terms of deposits for pensioners at Post Bank do not differ from the standard ones. The pension bonus is 0.25% of the rate established for a specific program. Today, pensioners have a choice of three types of deposits: the most profitable, with monthly payments (for large deposits) or without restrictions on replenishment and smaller losses in case of early closure. Until the end of June 2018, you can apply for the most profitable deposit – Seasonal. In order to have the right to carry out any expenditure and income transactions with investments, pensioners are recommended to open a special account for savings that does not have strict limits.

Among the relatively new commercial financial institutions in our country, Post Bank occupies a special place. Deposits for pensioners form an integral part of its services, since the institution is focused primarily on working with clients of this category.

Brief information about the bank

In 2017, Pochta Bank, which is part of the VTB group of companies, began its work, and Russian Post received an impressive part of its assets. The basis for the new commercial organization was Leto Bank, which occupied a relatively small market share at the time of the reorganization.

Among the obvious advantages of this financial institution, it is advisable to note:

1. Possibility of increasing deposit rates for people of retirement age.
2. Availability of special tariffs for services.
3. All deposits are insured.
4. Users have access to all modern account management services - mobile and online banking, smartphone application.

During the short period of the bank's existence, it has significantly increased due to the creation of customer centers in numerous post offices throughout the country. Among the range of financial services available to consumers, offerings for retirees occupy a central place.

Post Bank customer service takes place at post offices

Suitable bank products

Despite the fact that the institution itself is focused on clients of retirement age, there is no special program for them. However, among the standard offers you can find several suitable options at once. In addition, the product line includes a specialized “Pension” tariff, which is provided by the state.

It allows clients of this age category to receive a number of privileges. Among them, it is necessary to mention the increased interest rate on deposits, as well as preferential lending conditions. This makes using Post Bank services noticeably more profitable from a financial point of view.

All types of deposits presented in the range of this bank are characterized by several features. The client can open it exclusively in rubles, which is not always justified, given inflation rates and exchange rate fluctuations. At the same time, all products are insured by DIA, which allows you to reimburse up to 1.4 million rubles of invested funds.

The essence of the pension tariff

As part of this tariff, the client is given the opportunity to issue a special pension card, which will allow him to receive 7% on the balance annually. At the same time, servicing “plastic” is completely free, which allows you to save money. The “Pension” service package also allows you to open a Savings account free of charge.

A card is attached to it, which is issued in the MIR payment system. The main advantage of a savings account is the ability to manage funds, and interest is accrued every month on the amount remaining on it. In addition, it is possible to receive payments to the account, which will make its use more convenient.

The holder of such “plastic” can freely withdraw cash from the following financial organizations:

1. Post Bank.
2. Bank of Moscow.

If you wish, you can receive the required amount at the nearest branch of Russian Post. Within the framework of the tariff, the client will have access to the entire range of services, including mobile and online banking, as well as payments and fund transfers.

The disadvantages of this banking product include the unnamed type of card. This imposes significant restrictions on a number of payments made on the Internet.

Post Bank card for pensioners

Pension card options

Such a card is a unique product that is sold only by Russian Post Bank.

Deposits using the “Pension” tariff receive +0.25% return.

Its advantages include the possibility of quickly releasing the product and its subsequent delivery to the applicant’s home. In addition, it is characterized by other features:

• accrual of 7.46 percent on the remaining amount with capitalization;
• SMS notification about all operations performed using “plastic”;
• the possibility of receiving a pension on the card;
• privileges, discounts and promotions of the MIR payment system.

The card can be used through a mobile application, which will allow you to remotely pay for utilities, make payments and transfers, and pay taxes. Using the tariff will also allow you to use the bank’s credit services on preferential terms.

Deposit "Capital"

One of the main deposits in the Post Bank line appears to be “Capital”. It provides an interest rate of 8 to 9.5% per year, which depends on the terms and amount of invested funds. To get the most favorable conditions, it is recommended to deposit an amount of at least 1.5 million rubles for six months, which will allow you to receive maximum income.

However, within the framework of this program, deposits of relatively small amounts of financial assets from 50 to 500 thousand rubles are more popular among pensioners. In such cases, investors should expect a minimum interest rate under the program equal to 8%. The minimum investment period is six months, and the income received is added to the deposit balance.

It is important to note that interest, in accordance with the terms of the agreement, will be accrued on the last day of its validity. If funds are requested earlier, the rate will be reduced by the bank unilaterally.

Deposit "Profitable"

This offer is designed for retirees with significant funds. The minimum investment amount is 500 thousand rubles, and the investment terms may vary and depend on the wishes of the client. This convenience is somewhat compensated by the reduced interest rate, which is 7.5%.

Interest is paid monthly, and the income received is added to the deposit balance. If there is a need to withdraw funds early, the consumer will have to face a reduction in the interest rate.

Deposits for pensioners have favorable conditions

Accumulative pension deposit

This product differs from its analogues in that interest is accrued every 92 days, after which it is capitalized. When withdrawing invested funds early, a pensioner does not lose previously accrued interest, which is extremely beneficial. The accumulative pension deposit seems to be one of the most loyal in terms of:

1. The minimum investment amount is 5000 rubles.
2. The period for placing funds is 1 year.
3. You can replenish your deposit at any convenient time.
4. Interest is calculated every three months.
5. There is a possibility of extending the period.

Among all the bank’s offers, this seems to be the most profitable for clients who do not have a large amount of savings, but are ready to gradually increase it in order to increase profitability. Such a loyal attitude is compensated by a reduced interest rate of 7-7.5%.

"Seasonal" deposit

Among the bank's offers, there are also non-standard options. These include the “Seasonal” deposit, which consumers will be able to open until June 30, 2018. Its conditions provide for a minimum investment amount of 50,000 rubles, which are placed for a year. The interest rate of the deposit is fixed and amounts to 8.25% per annum.

All income received is added to the deposit amount at the end of its validity period. You can deposit additional funds into your account within 10 days, however, early withdrawal is not provided. If the consumer wishes to extend the contract, it will be extended in accordance with the terms of the Capital program.

How to make a deposit

In order to open a deposit with Pochta Bank, a pensioner will need to personally visit a branch of the organization or use the services of a client center at a Russian post office. After this, the client must present a passport of a citizen of the Russian Federation and conclude an agreement with the company.

If the consumer is already a bank client, he can increase his income by opening a deposit remotely. To do this, you will need to use the online banking service. However, it will not be possible to use such a supplement simultaneously with its pension equivalent.

When the deposit is completed, the user will be given a card attached to the account, which will be used to deposit funds into it. This can be done in various ways:

• through the Internet;
• using an ATM;
• transfer funds from another bank.

The last method seems to be the most profitable, since it will allow you to receive an additional 0.25% to the deposit interest rate. Moreover, such a benefit is combined with a pension bonus, which allows you to increase income by 0.5%.

Many bank clients who plan to deposit large funds are concerned about their safety. Indeed, during a crisis, many financial organizations close, and the funds stored there are burned. Federal Law No. 177 provides certain protection for the consumer, according to which all deposits in the Russian Post Bank are insured by the DIA. This means that the depositor will be able to return up to 1.4 million rubles previously stored in each of the banks. To increase the security of your investments, it is not recommended to store more than this amount in one institution.

In 2019, Post Bank offers individuals, including pensioners, a profitable range of deposits. See at what interest rates you can open deposits in Post Bank today.

Today, the line of deposits for individuals at Pochta Bank is quite different from the offerings we are accustomed to from other banks.

√ You cannot open deposits in foreign currency here. Only deposits in rubles are accepted.

√ It is not possible to make a deposit with partial withdrawal of money without losing interest. For example, such as “Managed” in Sberbank or “Comfortable” in VTB.

But Post Bank deposits have many other advantages. For example, the fact that for deposits made via the Internet, as well as those opened by pensioners, a substantial premium to the interest rate is provided. In addition, when opening a deposit, the client receives his own Savings Account and MIR debit card for free.

And now that the site’s correspondents have briefly talked about the main features of Post Bank deposits, we can move on to their detailed review.

Post Bank: interest and deposit conditions for today

Today, Pochta Bank's line of deposits includes deposits with a high rate, replenishment, monthly interest payments, and capitalization. Let's consider what interest rates and conditions today Pochta Bank deposits have for individuals, including pensioners.

Post Bank Maximum deposit - the most profitable for today

This is a new seasonal deposit for individuals, which has the highest interest rate to date. But, if you are planning to apply for it, you need to hurry. Deposit accepted only until July 1, 2019.

Conditions

• Duration: 367 days;
• Amount: from 100,000 rubles;

Interest rate

Deposit of Post Bank "Capital": interest and conditions

This is a classic deposit for individuals, which allows you to get maximum income from investing funds. It will be especially beneficial for those who are ready to deposit a large amount of money into Post Bank and not withdraw the money for a year.

Conditions

• Duration: 6, 12, 18 months;
• Amount: from 50,000 rubles;
• Replenishment: provided for the first 10 days;
• Partial withdrawal: not provided;
• Payment of interest: at the end of the term;
• Early termination: at a rate of 0.1%.

Interest rate

1. Basic conditions

Basic conditions

2. Special conditions for pensioners (tariffs “Pension”, “Salary pensioner”), when opening a deposit through Post Bank Online, when switching to the “Active” tariff

See what interest rates on deposits of individuals are offered today

Deposit of Post Bank "Dokhodny": interest and conditions

This is a deposit for individuals with monthly interest payments. The minimum deposit amount is quite large, but putting less in the bank is not profitable if you are going to live on interest. In any case, you can withdraw all the money if you urgently need it, even without accrued interest.

Conditions

• Duration: 12 months
• Amount: from 500,000 rubles
• Replenishment: provided for the first 10 days
• Partial withdrawal: not provided
• Interest payment: monthly to savings account
• Early termination: at a rate of 0.1%.

Interest rate

Special conditions for pensioners (tariffs “Pension”, “Salary pensioner”), when opening a deposit through Post Bank Online, when switching to the “Active” tariff.

Post Bank deposit "Accumulative"

This is a replenishable deposit for individuals, which allows you to save money by replenishing the deposit from time to time. In addition, interest is capitalized every 92 days.

Conditions

• Duration: 12 months;
• Amount: from 5,000 rubles with the possibility of replenishment;
• Replenishment: provided throughout the entire period;
• Partial withdrawal: not provided;
• Interest payment: capitalization into deposit every 92 days;
• Early termination: at a rate of 0.1%.

Interest rate

1. Basic conditions:

6,5% (6.66% with capitalization)

2. Special conditions for pensioners (tariffs “Pension”, “Salary pensioner”), when opening a deposit through Post Bank Online, when switching to the “Active” tariff:

6,75% (6.92% with capitalization).

Post Bank Deposit "Pochtovy"

This is a classic deposit for individuals without replenishment, capitalization and partial withdrawal of funds without loss of interest. The terms of the deposit provide for the possibility of early closure of the deposit at a preferential rate. The deposit is processed at post offices by Russian Post employees.

Conditions

• Duration: 181, 367 days;
• Amount: from 50,000 rubles;
• Replenishment: provided for the first 10 days;
• Partial withdrawal: not provided;
• Payment of interest: at the end of the term;
• Early termination: at a rate of 0.1%.

Interest rate

Amount, rub	181 days	367 days
from 50 000	6,8%	7,15%

Surcharge:

+0,25% per annum to the rate for pensioners (tariffs “Pension”, “Salary pensioner”), when opening a deposit through Post Bank Online, when switching to the “Active” tariff.

Post Bank savings account

When you open deposits for individuals at Pochta Bank, clients are also issued a Savings Account and a MIR debit card free of charge. This is done for the convenience of using the deposit.

Firstly, when the deposit is closed, the funds are transferred to the Savings Account, from where money can be withdrawn in cash from an ATM using a card or transferred to another bank. The card is also convenient for monthly interest withdrawals.

And secondly, the Savings Account itself can serve as an excellent financial instrument, since decent interest is accrued on the balance there.

So, when opening a Post Bank Savings account, the client receives free of charge:

• account opening and maintenance;
• issuance and maintenance of a non-named MIR card;
• connection and maintenance of Mobile and Internet banking;
• all transfers to Post Bank clients from the account;
• replenishing an account from cards of other banks in Post Bank Online (from RUB 3,000);
• cash withdrawals by card at ATMs of Post Bank and VTB Group banks, as well as Post Bank cash withdrawal points at post offices;
• depositing cash into your account at Post Bank ATMs and ATMs of VTB Group banks.

Interest rates

Special conditions apply to clients with the “Salary”, “Active”, “Pension” and “Salary Pensioner” tariffs.

Interest is paid monthly, capitalizing on the account, and when withdrawing funds, the income received remains with you.

To open a Savings Account, simply inform a Post Bank employee of your desire when registering a deposit for individuals.

Tariff "Active" in Pochta-Bank

Pochta-Bank clients, ordinary individuals and pensioners, can apply for the “Active” tariff.

Why is this beneficial?

When switching to the “Active” tariff, the bank offers an increased interest rate on deposits of 0.25% per annum.

Your interest on the minimum balance in your Savings Account will increase by 1%.

Your cash loan rate will automatically decrease by 2% per annum! And the overpayment on the loan will be significantly less.

How to switch to the “Active” tariff

Pay for everyday purchases with Pochta Bank cards or make payments to Pochta Bank Online for a total amount of 10,000 rubles per month, and you will automatically receive all the benefits of the “Active” tariff.

Post Bank deposits for pensioners 2019: the percentage is even higher!

Today, about a third of Post Bank clients are pensioners. And their number will grow. This is not surprising, because deposits of individuals at Post Bank for pensioners have an increased interest rate. The surcharge is 0.25%.

You can get it if you receive your pension into an account at Post Bank. If necessary, a bank employee will help you fill out such an application for transfer of payments to transfer it to the Pension Fund of Russia (PFR). The “Pension” tariff with a deposit premium and other advantages is set automatically upon the first transfer of funds from the Pension Fund.

How to open deposits for individuals at Pochta Bank

If you are not yet a client of Post Bank, then

1. Contact an employee of the Pochta Bank customer center with a Russian passport and mobile phone;

2. Open a Savings Account and select the method of opening a deposit: through Post Bank Online or in the client center.

3. Deposit money via Internet banking, ATM or using interbank transfer.

If you are already a client of Pochta Bank, you can immediately open a deposit via the Internet (if you wish, you can also contact the client center). You can also deposit money through Internet banking, an ATM or using an interbank transfer.

SMS notification

Clients will receive SMS messages from the Bank about each receipt of funds on deposit, as well as about an increase in the interest rate when the deposit amount reaches the level established for a higher rate.

Deposit insurance for individuals Post Bank

All Post Bank deposits for individuals are insured in accordance with the legislation of the Russian Federation. Let us remind you that the amount of compensation in case of an insured event today is 1.4 million rubles.