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.

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 a Russian commercial bank of a regional direction, one of the. It is characterized by an extensive network of offices and territorial subdivisions. The bank's activities are aimed at providing banking services to individuals, providing loans, making deposits, as well as conducting operations with securities.

Sovcombank is known for its social orientation, it focuses on supporting vulnerable segments of the population, working with pensioners, implementing the country's environmental projects and financing cultural and educational programs.

When distributing its priorities, Sovcombank, as well as, sets itself the goal of providing high-quality professional banking services to small and medium-sized cities for a wide range of individuals.

Sovcombank provides all its clients - individuals with the widest range of banking services, which are based on world standards and norms of corporate business ethics. In its activities, the bank uses new technologies that are successfully combined with the best traditions of banking services.

The main thing is mutually beneficial cooperation. That is why each client of the bank can count on the attention and individual approach.

The head office of Sovcombank is located in Kostroma, it is the largest bank in this city. The date of foundation of the financial and credit institution is 1990. The Bank is a member of the deposit guarantee fund for individuals, which gives confidence in the future against the backdrop of any economic changes and a downturn in business activity to each individual who has made investments.

Sovcombank: deposits of individuals 2016, interest on deposits

In 2016, Sovcombank presented 4 deposit programs, each of which has its own advantages and features. All of them are multidirectional, so each client (individual) who applied to the bank will be able to choose the best option for himself. You can make a deposit at any territorial branch of Sovcombank or apply online.

To choose the right program, you need to carefully read the offers for individuals, the description of the conditions, interest rates, requirements for the depositor. The conditions for making deposits differ from each other. Decide how long you want to deposit your money, how often you want to withdraw interest, whether you are going to deposit / withdraw money ahead of schedule. To calculate rates, terms and interest, you can use the online calculator on the Sovcombank website.

Deposit "Maximum income"

The deposit was relevant a few years ago and refers to. Today it was introduced at increased rates, which makes the deposit profitable for individuals.

Conditions for placing the investment "Maximum income" for individuals for 2016:

The investment conditions of Sovcombank are very flexible and mobile, they differ from. After the expiration of the validity period, interest is paid to a bank account that was opened by an individual in Sovcombank. Interest is calculated depending on the current rate, which was relevant at the time of signing the contract.

If an individual wishes to withdraw his money before the end of the agreement, the interest is calculated as follows:

• if the investments have been placed for more than a year, the interest for the current period is paid in full, as stipulated in the agreement;
• for an incomplete annual period of time, interest will be charged on the basis of their “On Demand” deposit, which is established by the internal policy of Sovcombank (today it is 0.01%).

An individual can make an investment using the online service. When opening a deposit through the Internet bank for a period of 1-3 years, the interest rate increases by 0.5% per annum.

The "Maximum Income" program provides an opportunity not only for the profitable placement of money for individuals, but also for obtaining the maximum allowable profit by a certain date. Moreover, if a year has passed and the client wishes to terminate the contract ahead of schedule, during this period he will not lose interest and will receive money to his bank account opened with Sovcombank.

Deposit "Regular income"

The Permanent Income program belongs to the traditional line of deposits for individuals in 2016. It provides for the payment of interest every current month, while maintaining fairly favorable placement conditions and increased profitability.

Conditions of the Permanent Income program for individuals for 2016:

You can replenish the deposit by any convenient amount for the client (individual), but its size cannot exceed the initial investment amount. At the same time, you can deposit funds both in cash and by bank transfer.

Interest is accrued monthly on the date that corresponds to the date of signing the contract. When determining the amount of interest, the "Demand" rate is taken into account.

Deposits of Sovcombank, which were issued for 1-3 years:

1. after the expiration of a full calendar year, interest is accrued based on the rate of the annual period, which is specified in the contract;
2. income for an incomplete annual period is accrued depending on the rates "On Demand".

If the depositor has withdrawn his interest for a period of less than a full year, the difference between the paid amount and the accrued interest shall be reimbursed from the principal amount of the deposit.

Advice: when making a deposit in Sovcombank in 2016 through the Internet bank for a period of more than a year, the interest rate automatically increases by 0.5%.

Deposit "Interest on interest"

"Interest on interest" is an investment for individuals, which provides for the capitalization of interest every month.

Such a program, under the terms of a signed agreement between Sovcombank and an individual, provides for the accrual of compound interest. This means that the interest is accrued periodically, but not on the principal amount of the deposit, but already taking into account the accrued income for previous periods. Based on this, we can conclude that the longer the placement period, the more profit you can get.

Consider the main conditions of the deposit "Interest for Interest" for 2016:

You can replenish the deposit by any convenient amount for an individual client, but the amount of the payment should not exceed the initial investment amount in Sovcombank. Payment methods are both cash and non-cash.

Interest is accrued during the term of the agreement. If the depositor does not withdraw this money, it is transferred to the deposit and will be cashed out after the expiration of the contract, along with the principal amount.

Deposit "Always at hand"

Today, the "Always at hand" program is characterized by flexibility and mobility. It gives you the opportunity to manage your funds, while earning income. Ease of replenishment at any convenient time, the ability to withdraw money to a minimum balance - these and other advantages are offered by Sovcombank to individuals in 2016.

Registration conditions:

During the validity of the terms of the agreement, the amount of all additional contributions should not exceed the starting amount. You can replenish the deposit for any desired amount without restrictions.

Also, the "Always at hand" program allows partial withdrawal without loss of interest. You can withdraw money up to the amount of the minimum balance, which is equal to the minimum deposit.

Sovcombank: interest rates on deposits for pensioners for 2016

Today, pensioners can apply for a deposit under the following programs:

1. "Maximum income" (high interest rates);
2. “Regular income” (with the ability to receive accrued interest every month”);
3. “Interest on interest” (with the possibility of capitalizing interest, carried out every month);
4. "Always at hand" (any operations at any convenient time).

To open the selected pension deposit, as well as, you can contact the territorial branch of Sovcombank or open a deposit online.

Algorithm for registration via the Internet:

1. study the range of offers and choose the best option for yourself;
2. go to the official website of Sovcombank by filling in the fields "Password" and "Login";
3. click on the "Contributions" section;
4. click on the section "Opening" or "Replenishment";
5. fill in the provided form of the bank;
6. confirm opening via SMS.

Also, each contributor can close the pension deposit without leaving home. To do this, you must perform the following steps:

1. go to the website of Sovcombank, specify your username and password;
2. select the "Contribution" option;
3. determine the deposit you wish to close;
4. select the "Close" option;
5. after that, indicate the direction where you need to transfer the savings - to an account opened with Sovcombank or another financial institution, for this, write down the details;
6. Confirm your actions by sending SMS.

Conditions for opening deposits in Sovcombank

Placing your money on a deposit today at Sovcombank is very simple and convenient. If you have any questions, you can contact any office or territorial division of Sovcombank. You can also call the hot toll-free telephone line, which operates around the clock and is free of charge throughout Russia.

Who has the right to place funds on deposit, requirements for an individual and additional options:

1. age limits - 14 years and above;
2. the possibility of making a deposit in your name or sending it to the office of your representative;
3. the possibility of issuing a power of attorney in the name of another individual who will be entitled to dispose of the invested funds (this can be done in the territorial division in which the deposit was opened).

How profitable is it for individuals to place their money in Sovcombank?

To increase your income is the main goal of each investor (individual). In order to achieve this goal, it is advised to divide the principal amount into several parts and take advantage of several programs at once.

Even earlier, interest rates for individuals were set depending on investments: the larger the amount, the higher the rate. But today they are equal, and you can count on a high percentage when investing a minimum amount - 1 thousand rubles. For pensioners, the minimum amount is 1 ruble.

After that, carefully study all the deposit programs presented for 2016. Think over the ways of placing a deposit - will you need money in the near future, do you need to constantly withdraw interest, etc.

A big plus is that even if unforeseen circumstances occur, in case of early closing of the deposit, it is possible to receive accrued interest for the year. Also, some programs today allow you to replenish a deposit in the amount of one thousand rubles, pensioners - without restrictions.

Each depositor - an individual receives confidence in the safety and return of funds, regardless of the political and economic situation in the country, since Sovcombank is included in the deposit insurance system.

Sovcombank proved to be a stable bank and a reliable partner. Today, its activities are focused on providing services to individuals, introducing social programs, and providing favorable conditions for pensioners.

Save the article in 2 clicks:

The bank has 4 deposit programs, each of which has its own characteristics and advantages. This makes it possible for absolutely any investor to choose the best option for themselves. In addition, Sovcombank offers relatively high interest rates and flexible terms.

In contact with

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 maximum interest on deposits, regardless of the amount. At Rosselkhozbank there are 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 important advantages - they allow you to manage funds and at the same time receive additional income," speaks banking professional, manager of the operational office of Absolut-Bank in Ufa Anastasia Gileva.

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 deposits for individuals in Sovcombank insured 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.