Deposits of individuals in Rosgosstrakh Bank: interest and conditions. Deposits of Rosgosstrakh Bank Account registration procedure
CONTRIBUTION | DURATION (DAYS) | PAYMENT OF INTEREST | REPLACEMENT | PREFERENTIAL TERMINATION |
PARTIAL REMOVAL |
MAXIMUM ANNUAL RATE (%) |
||
1. Gosstrakhovsky VIP | 91 – 732 | at the end of the deposit period | – | – | – | 7,60 | 1,50 | 0,50 |
2. Gosstrakhovsky | 91 – 732 | at the end of the deposit period | – | – | – | 7,50 | 1,40 | 0,40 |
3. Cumulative | 367 – 367 | monthly, by transfer to a current account or a depositor's account opened with the Bank | + | + | – | 7,00 | 1,20 | 0,30 |
4. Universal VIP | 367 – 367 | monthly | + | – | + | 6,80 | 1,00 | 0,25 |
5. Versatile | 367 – 367 | monthly | + | – | + | 6,70 | 0,90 | 0,15 |
6. Investment | 91 – 367 | at the end of the deposit period | – | – | – | 8,50 | – | – |
7. Pension income | 181 – 732 | monthly by transfer to the current account or to the Depositor’s SCS opened with the Bank | + | – | – | 7,20 | 1,30 | 0,35 |
Advantages of ROSGOSSTRAKH BANK deposits:
- State-guaranteed safety of deposits worth up to 1.4 million rubles
- High reliability ratings of the Bank
- Possibility of additional insurance of deposits over 1.4 million rubles at Bank branches
- Wide range of deposits
- Competitive interest rates
- Possibility of partial replenishment and withdrawal
- Possibility of early termination on preferential terms
- Automatic extension of the deposit upon expiration of the deposit term
- Possibility of paying interest on a deposit to a bank card
Gosstrakhovsky VIP
Deposit term (days) | 91-180 | 181-366 | 367-732 | |
---|---|---|---|---|
DEPOSIT CURRENCY | DEPOSIT AMOUNT | ANNUAL INTEREST RATE, % | ||
from 1,000,000 | 7.10 | 7.60 | 6.60 | |
$ | from 15 000 | 0.50 | 1.50 | 1.50 |
€ | from 15 000 | 0.20 | 0.50 | 0.50 |
Deposit terms:
- Minimum deposit amount 1,000,000 rubles, 15,000 US dollars, 15,000 euros
Gosstrakhovsky
Terms of return on the deposit:
Deposit term (days) | 91-180 | 181-366 | 367-732 | |
---|---|---|---|---|
DEPOSIT CURRENCY | DEPOSIT AMOUNT | ANNUAL INTEREST RATE, % | ||
Ρ | from 5 000 | 7.00 | 7.50 | 6.50 |
$ | from 100 | 0.40 | 1.40 | 1.40 |
€ | from 100 | 0.10 | 0.40 | 0.40 |
Deposit terms:
- Deposit currency rubles, US dollars, euros
- The minimum placement period is 91 days, the maximum is 732 days
- Minimum deposit amount 5,000 rubles, 100 US dollars, 100 euros
- Deposit replenishment is not provided
- Partial withdrawal of deposit is not provided
- Payment of interest at the end of the deposit term
- Prolongation is provided, taking into account the deposit rate in effect at the time of prolongation
- Interest rate for early termination 0.1%
Cumulative
Terms of return on the deposit:
Deposit term (days) | 271 | 367 | |
---|---|---|---|
DEPOSIT CURRENCY | DEPOSIT AMOUNT | ANNUAL INTEREST RATE, % | |
from 5 000 | 6.90 | 7.00 | |
$ | from 100 | - | 1.20 |
€ | from 100 | - | 0.30 |
Deposit terms:
- Deposit currency rubles, US dollars, euros
- Placement period from 271 days to 367 days
- Minimum deposit amount 5,000 rubles/100 US dollars/100 euros
- The minimum amount of additional contribution to the deposit is 5,000 rubles / 100 US dollars / 100 euros
- Partial withdrawal of deposit is not provided
- Payment of interest monthly, by transfer to a current account or a depositor's account opened with the Bank
- Prolongation is provided at the end of the deposit term, taking into account the deposit rate in effect at the time of prolongation
- Interest rate for early termination see scale
Interest rate scale for deposit termination:
CURRENCY | DEPOSIT AMOUNT* | ANNUAL INTEREST RATE FOR EARLY TERMINATION DEPENDING ON THE ACTUAL TERM OF FUNDS BEING IN THE DEPOSIT |
|||
up to 90 | 91-180 | 181-270 | 271-366 | ||
---|---|---|---|---|---|
Russian ruble, | from 5,000 to 100,000 | 0,10% | 5,00% | 5,50% | 6,00% |
from 100,001 to 450,000 | 0,10% | 5,25% | 5,75% | 6,25% | |
over 450,001 | 0,10% | 5,50% | 6,00% | 6,50% | |
US dollar, $ | from 100 to 3,500 | 0,10% | 0,10% | 0,25% | 0,50% |
from 3,501 to 15,000 | 0,10% | 0,25% | 0,50% | 0,75% | |
over 15,001 | 0,10% | 0,50% | 0,75% | 1,00% | |
Euro, € | from 100 to 3,500 | 0,10% | 0,10% | 0,10% | 0,10% |
from 3,501 to 15,000 | 0,10% | 0,10% | 0,10% | 0,15% | |
over 15,001 | 0,10% | 0,10% | 0,15% | 0,20% |
Universal VIP
Terms of return on the deposit:
Deposit term (days) | 367 | |
---|---|---|
DEPOSIT CURRENCY | DEPOSIT AMOUNT | ANNUAL INTEREST RATE, % |
from 1,000,000 | 6.80 | |
$ | from 15 000 | 1.00 |
€ | from 15 000 | 0.25 |
Note: In cases established by the legislation of the Russian Federation, personal income tax is withheld from the amount of income.
Deposit terms:
Universal
Terms of return on the deposit:
Deposit term (days) | 367 | |
---|---|---|
DEPOSIT CURRENCY | DEPOSIT AMOUNT | ANNUAL INTEREST RATE, % |
from 30,000 to 299,999 | 6.60 | |
from 300,000 | 6.70 | |
$ | from 500 to 4,999 | 0.80 |
from 5 000 | 0.90 | |
€ | from 500 to 4,999 | 0.10 |
from 5 000 | 0.15 |
Note: In cases established by the legislation of the Russian Federation, personal income tax is withheld from the amount of income.
Deposit terms:
- Deposit currency rubles, US dollars, euros
- Placement period 367 days
- Minimum deposit amount 30,000 rubles/500 US dollars/500 euros
- Replenishment of the deposit is provided; additional contributions are accepted no later than 1 month before the end of the deposit term.
- The minimum amount of additional contribution to the deposit is 1,000 rubles / 50 US dollars / 50 euros
- Partial withdrawal of the deposit is provided, subject to maintaining the minimum balance* on the deposit
- Payment of interest monthly
- Interest rate for early termination 0.10%
Minimum balance - the smallest allowable amount for opening a deposit, is established at the time of concluding the deposit agreement and does not change upon prolongation.
Investment
Terms of return on the deposit:
The Deposit Insurance Agency only insures the amount of the deposit; the amount of the share(s) is not subject to insurance. Note: In cases established by the legislation of the Russian Federation, personal income tax is withheld from the amount of income.
Deposit terms:
The deposit is opened to clients subject to the simultaneous execution of an accumulative and/or investment life insurance agreement (hereinafter referred to as NSZh and ILI) with the company Rosgosstrakh-Life Insurance Company LLC or subject to the simultaneous acquisition of a unit (shares) of a mutual fund managed by Savings Management LLC . If the depositor has a previously acquired share(s), a bank deposit agreement is concluded when the depositor purchases an additional share(s) for an amount equal to or exceeding the amount of the deposit.
- Deposit currency rubles
- Placement period 91 days, 181 days, 367 days
- Minimum deposit amount 98,000 rubles
- Deposit replenishment is not provided
- Partial withdrawal of deposit is not provided
- Payment of interest at the end of the deposit term
- Prolongation is not provided (extended under the terms of a demand deposit)
- Interest rate for early termination 0.001%
- The minimum placement period is 181 days, the maximum is 732 days
- Minimum deposit amount 1,000 rubles / 50 US dollars / 50 euros
- Replenishment of the deposit is provided no later than 3 months before the end of the deposit period
- The minimum amount of additional contribution to the deposit is not limited
- Partial withdrawal of deposit is not provided
- Payment of interest monthly by transfer to the current account or to the Depositor’s SCS opened with the Bank
- Prolongation is provided at the end of the deposit term, taking into account the deposit rate in effect at the time of prolongation
- Interest rate for early termination 0.1%
Sources:
- https://www.rgsbank.ru/personal/deposits/compare/
Deposits in Rosgosstrakh Bank will help you preserve and increase your capital. To obtain passive income at Rosgosstrakh Bank in 2019-2020, relevant three options: open the “Double Benefit” deposit ( 8,5% ), use the “Income Card” plastic card ( 7,25% ) or “Pension card” ( 5,5% ). Let's look at current conditions and interest for individuals. You can calculate your potential income using a convenient online calculator.
Important information: You can get advice and help in choosing by calling the Rosgosstrakh Bank hotline number. If after reading our review you still have questions or are unsure, which deposit to give preference to?, call the contacts listed at the end of the article.
Deposits in Rosgosstrakh Bank in 2019-2020
When choosing a bank to increase funds, you need to focus not only on the interest rate and term, but also on reputation financial institution.
Advantages of Rosgosstrakh:
- The financial institution is among the top domestic banks in terms of the number of assets;
- Interest rates are in line with average market trends;
- It is possible to partially replenish or withdraw funds;
- The client can terminate contractual obligations early on preferential terms;
- When the deposit term has expired, the contract can be automatically extended;
- The state ensures the safety of investments worth up to 1.4 million rubles;
- The client can additionally insure an investment in excess of RUB 1.4 million;
- You can receive interest on a plastic card.
"Double Benefit"
The deposit provides decent passive income thanks to a high interest rate - 8.5% per annum. Maximum income is possible when taking out life and health insurance.
This means that additional profit from placing savings can be obtained upon concluding an agreement cumulative or investmentlife insurance.
Basic terms of the deposit:
To register a bank deposit, it is enough to provide one document - a passport of a citizen of the Russian Federation.
Design algorithm:
- Contact the Rosgosstrakh branch with your passport or leave an online application.
- Conclude a life insurance contract.
- Conclude an agreement to open a deposit.
- Deposit the amount into the account.
- If necessary, draw up a power of attorney or will.