Among Sovcombank's offerings, a special place is occupied by deposits of individuals - a service that helps people not only save, but also increase their savings. For the convenience of clients, the bank annually develops a whole line of deposit programs with various conditions: deposits with maximum income, with the possibility of using monthly savings, targeted deposits. 2019 was no exception - this year Sovcombank also prepared a number of profitable deposit offers for its clients.

"Record percentage"

To open this deposit, you must deposit an amount of at least 50,000 rubles. You can deposit money immediately or in installments (at least 1,000 rubles) within 10 days from the date of execution of the agreement with the bank. Deposits can be made either in cash or from another account or card.

If the depositor does not deposit money immediately when opening a deposit, the bank credits 0.1 ruble to the new deposit as a bonus (if the depositor does not deposit the amount agreed upon in the agreement within 10 days, the bonus is returned to the bank and the agreement is considered terminated). You can apply for “Record Interest” for a period of 2 months (60 days) or for a year (365 days). In the first case, the interest rate will be 7.3%, in the second – 7.8%. Moreover, if the amount on deposit exceeds 10,000,000 rubles, then the deposit rate will be increased by 0.1% per annum.

The entire interest amount is paid at the end of the deposit period. In case of partial or full withdrawal of funds before this period, interest is accrued according to the rate established for demand deposits in force at that time (the current rate is 0.01%). If, after the expiration of the deposit, the client does not claim the funds, the bank automatically accepts them again for storage. In this case, the conditions in force at the time of extension, and not on the date of its initial opening, apply to the deposit.

"Free"

For 3 months (91 days), six months (181 days) and a year (365 days) you can place your savings on the “Free” deposit. The minimum amount to open this deposit is RUB 1,000,000. upon payment of all funds upon execution of the contract. Subsequently, the deposit can be replenished (one-time replenishment from 5,000 rubles). In this case, the last deposit can be made no later than 30 days before the end of the deposit period. It is also allowed to spend funds on deposit up to the minimum balance.

Interest rates on this deposit depend both on the amount and on the terms for which it is opened.

The program of this deposit provides for monthly capitalization of interest and the possibility of early termination of the deposit. The interest rate for early withdrawal (partial or full) of money depends on how much time has passed since the date of opening the deposit. If it was valid for more than half of the period specified in the contract, then interest is charged at the rate of ½ annual rate for the period that the funds were on deposit. If the client decides to use his savings from the deposit earlier than at least half of the deposit’s validity period has passed, then interest will be accrued at the rates in force for demand deposits, based on the actual number of days the deposit is valid.

"Fixed income"

For those clients who want to be able to use interest on their savings on a monthly basis, the bank has developed the “Permanent Income” program. The bank transfers the accrued interest to the deposit owner’s card.

The minimum amount required to open this deposit is 30,000 rubles; there are no restrictions on the maximum contribution. You can deposit money into an open deposit within the first 10 days from the date of registration of the contract. Subsequently, the deposit can be replenished (the minimum one-time replenishment amount is 1,000 rubles). In this case, the total amount of replenishments during the validity period of the deposit should not exceed the amount of the initial contribution.

As for interest rates, they depend on the validity period of the deposit under this program:

Duration (in days)	31-90	91-180	181-279	271-365	730	1095
	5,8	6,2	6,2	6,2	6,6	6,7

If the client decides to suspend the deposit by completely withdrawing funds from it, then when calculating interest, the bank will use the rate in force for demand deposits.

"Maximum Income"

This offer of the bank can be used by those who want to get maximum profit from their savings. The program conditions are standard. This means that interest accrues at the end of the deposit period. And in case of early termination of the contract, they are accrued, as when using “Demand” deposits.

The interest rate depends on the term of the deposit:

Duration (in days)	31	91	181	271	365	730	1095
Interest rate (% per annum)	6,1	6,5	6,6	6,6	6,6	7,25	7,65

Spending of funds from the deposit during the validity period of the deposit is not provided. The minimum amount required to open it is 50,000 rubles. You can deposit money immediately upon registration of the contract or within 10 days from that moment in cash or by bank transfer. If desired, during the validity period of the deposit (but not earlier than 10 days from the date of opening or prolongation), it can be replenished.

"Automotive"

Targeted contribution for those clients who plan to purchase a vehicle. The minimum initial deposit to open this deposit is 30,000 rubles (you can deposit money in installments within 10 days). During the validity period of the deposit, it is possible to replenish it (the lump sum deposited should not be less than 1,000 rubles).

Within six months (180 days), funds from the deposit cannot be spent. Starting from the 7th month from the date of opening the deposit, funds can be spent, provided that at least 1 ruble (minimum balance) always remains in the account. In addition, if documents are provided that the client is purchasing a car from one of Sovcombank’s partners, the interest rate will be increased after six months from the start of the deposit.

The deposit period is 12 months (365 days). In the first six months (180 day) the interest rate is 6.6% per annum, in subsequent months - 7.6%. A prerequisite for opening a deposit is that the client has a driver’s license and a vehicle registration certificate (PTS).

"Comfortable"

Another deposit offered by Sovcombank to its clients in 2019. The minimum amount required to open it is 50,000 rubles, the maximum is at the discretion of the client. During the validity period of the deposit, it can be replenished. The minimum replenishment amount is 1,000 rubles, and the amount of all additional contributions should not exceed the amount originally paid.

The following interest rates apply to this deposit:

Duration (in days)	31-90	91-180	181-270	271-365	730	1095
Interest rate (% per annum)	6,0	6,4	6,5	6,5	7,15	7,55

The accumulated interest can be received upon expiration of the deposit. There is no provision for spending funds from the deposit during the program. And in case of early termination of the agreement and suspension of the deposit, the bank charges interest in accordance with the rules in force for demand deposits.

Bonuses for Halva card holders

Increased interest on deposits “Record Interest”, “Maximum Income”, “Permanent Income” and “Convenient” can be received by Sovcombank clients - holders of the installment card “”. For them, all interest rates on these deposits increase by 1%, but subject to a number of conditions.

So, in order to take advantage of the bonus in the form of an increased rate, holders of the “Halva” card need to:

• make at least 5 purchases per month using the card;
• prevent late card payments;
• spend at least 10,000 rubles from the card.

All these conditions must be met during the validity of the deposit. If one of the conditions is not met in at least one of the months, the holder of “Halva” will lose his privileges.

How to open a deposit at Sovcombank

Enterprising people are always looking for an opportunity to increase their income on favorable terms. Sovcombank depositors do not regret their choice.

To open an account, you can go to the nearest bank branch and do the following:

• prepare the money that you are going to deposit into a deposit account (bring cash or use non-cash payments from a bank card);
• present your passport to the bank employee;
• choose the optimal type of deposit, read the agreement and sign it;
• If you wish, you can receive personal account information from the Internet bank and link it to your phone number;
• deposit money into your account in any way.

Another way is to open a deposit via the Internet. This option allows clients not only to open a deposit without leaving home (or without interrupting work), but also gives them the opportunity to use an online calculator to calculate how much profit they will receive. At the same time, opening a deposit online will take very little time. To implement this plan you will need:

• register and log in to the Sovcombank website;
• find and open the “deposits” tab and select the program you like;
• follow the link of the selected deposit and fill out the order form;
• carry out the operation “Opening a deposit”;
• transfer money to the created deposit account.

In the same way, using the Internet, you can subsequently manage your deposit and, if necessary, close it. Registration in the account is possible after contacting a banking institution and receiving a login from an employee.

Today, Sovcombank is considered one of the most popular banks among the population. This popularity is largely the result of the fact that all banking programs are developed taking into account the wishes of clients - after all, the bank is interested in each of them.

Let's sum it up

1. Sovcombank deposit programs in national currency are a profitable increase in funds.
2. The interest rate in each offer is optimal.
3. Each financial product offered is suitable for the circumstances of most individuals and retirees.
4. The bank staff is always ready to provide assistance, guide you in your choice, and take into account preferential conditions.

In contact with

In 2019, Sovcombank prepared several deposit options for pensioners. Today we will tell you about what interest rates are offered by this company for individuals who want to increase their savings.

general information

As you know, this financial organization is the only bank in Russia that provides loans to pensioners under 85 years of age. This offer is truly unique, you can find out the conditions in.

Are there any special conditions for making a deposit for people of retirement age? Unfortunately no. There are no special programs for this category of depositors; if they want to open a deposit here, they do so on a general basis.

Please note that the bank is a participant in the deposit insurance system. This means that if Sovcombank’s license is revoked, you are guaranteed to be able to get your money back in the form of compensation. Its maximum size can be up to 1.4 million rubles, you can find out more.

Current programs in 2019

So, let’s look at the bank’s offers for its clients:

• "Record percentage"

You will need to deposit at least 50,000 rubles into your account with the possibility of further replenishment with amounts starting from 1,000 rubles. The validity period is 60, 181 or 365 days, the yield will be up to 7.8%. If you want to receive increased income from 8.3% to 8.8% per year, then you can open the “Record Interest with Halva” deposit.

Important: a deposit can only be issued if you have an installment card from Sovcombank, which has already been used to make at least 5 transactions during the reporting period in the amount of at least 10,000 rubles. Overdue debt is not allowed.

• "Maximum income with Halva"

This is a special offer for owners. If you have it, you will be able to receive an increased return on this deposit in the amount of 7.1% to 8.65% per year. A deposit of 50,000 rubles is required. for a period from 31 to 1095 days with replenishment and payment of interest at the end of the contract, you can increase the rate by 1 percentage point. if you use the Halva installment card.

• "Maximum Income"

Available upon making a minimum deposit of RUR 30,000. Replenishable, payments from 1000 are accepted. The investment period can be from 31 to 1095 days, payment of funds is carried out at the end of the term. The yield varies from 6.1% to 7.65% per annum, early preferential termination is possible only after the first year of the contract, up to 366 days you will lose the accumulated interest.

• "Automotive"

The deposit is opened upon presentation of a driver's license or STS (PTS) for the car. The contract is signed for 360 days with a deposit of 30,000 rubles with the possibility of replenishment (from 1000 rubles) and partial withdrawal of funds (while maintaining a minimum balance from the 7th month). The interest rate is 6.6% per year, while it is possible to increase it to 7.6% from the 7th month upon provision of documents on the purchase of a car from Sovcombank partners.

• "Fixed income"

It is also issued when making a payment from 30,000 rubles, additional payments - from 1000. Deposit period - from 31 to 1096 days, rate from 5.1 to 6.7% per annum. The rate can be increased by 1 percentage point. when paying with the Halva card.

• "Comfortable"

Here you will need to place a standard amount of 50,000 rubles for a convenient period from 31 to 1095 days. The rate varies from 6% to 7.55% per year, replenishment is allowed, interest payment will be made at the end of the contract. Automatic renewal is possible.

• "Free"

A special offer that will be valid. They accept large sums from 1 million rubles for a long period of 91, 181 or 365 days. Replenishment - from 5,000 rubles, the yield will be from 6% to 6.4%, payments occur monthly. Partial withdrawals up to the minimum balance are allowed; early termination of the contract occurs on preferential terms.

• "Poste restante"

This is a free savings bank account where you can keep any amount for an unlimited period at 0.01%.

Additional Information

Do you want to have additional income? To do this, you can transfer your pension from the Pension Fund to Sovcombank to the “My Income” account. In this case, you will receive the following privileges as an “Honorary Client”:

• On the balance of your own funds when transferring pensions/salaries, 5.3% per annum is charged. The rate of 5.3% is valid for 1 month from the date of the last pension payment.
• Free SMS notification.
• Free card service.

Remote opening of deposits will be available for existing bank clients. Now you can open and replenish deposits without leaving your home using the Internet bank sovcombank.ru. In this case, you will receive increased interest.

Deposits for individuals at Sovcombank in 2019 are represented by a whole line of deposit programs in rubles and foreign currency with high interest rates. Every resident of Moscow, St. Petersburg and many other Russian cities today can choose a suitable deposit with favorable conditions.

In this review, TOP-RF.ru ​​correspondents will talk in detail about all the deposit programs of this bank in rubles and foreign currency operating today. Each of our readers, including pensioners, will be able to compare interest rates and deposit conditions in order to choose the most profitable one.

Sovcombank deposits for individuals in 2019

Today you can open the following deposits at Sovcombank:

• 1. “Record percentage”;
• 2. “Maximum income”;
• 3. “Convenient”;
• 4. "Free";
• 5. “Fixed income”;
• 6. “Always at hand”;
• 7. "Automobile".

Each of them has features that will be discussed below. But there are general conditions:

• √ Many banks set rates depending on the deposit amount: the lower the amount, the lower the interest. But Sovcombank offers the same interest rates on any amount.
• √ When you register online, you can get an increased interest rate for many deposits.
• √ A higher percentage can also be obtained when paying with the Halva card.

Increased rates on deposits when paying with the Halva card

Sovcombank deposit “Convenient”: interest and conditions

This is a replenishable deposit with interest paid at the end of the term. Money can be transferred both in cash and by non-cash method. The only main thing is that the total amount of all additional contributions does not exceed the initial deposit amount. Like some other Sovcombank deposits, there is an increase in the interest rate when making payments with the Halva installment card.

Conditions

• > Minimum deposit amount: 50,000 rubles.
• > Replenishment: provided.
• > Minimum replenishment amount: 1000 rubles.
• > Partial withdrawal: not provided.
• > Capitalization: not provided;

Interest rates

When opening in the office and via the Internet

Duration, days	Bid	When paying with a Halva card

in foreign currency

See also: deposits with the highest interest rates for individuals in banks in St. Petersburg >>

Sovcombank deposit "Svobodny": interest and conditions

This deposit may be of interest to those who are ready to invest at least 1 million rubles or 25 thousand dollars at once. The conditions provide for free replenishment, as well as withdrawal of money up to a minimum balance. Income will also grow due to the monthly capitalization of interest. And if you urgently need money, you can withdraw it at a reduced rate.

Conditions

• > Duration: 91, 181, 365 days;
• > Amount: from 1 million rubles / 25,000 dollars or 500 euros;
• > Replenishment: provided;
• > Minimum replenishment amount: from 5,000 rubles / 100 dollars or euros;
• > Partial withdrawal: provided up to the minimum balance;
• > Capitalization: provided;
• > Interest payment: at the end of the term.
• > Early termination: preferential. If terminated after half the term, interest is paid based on half the rate. If earlier, then at the “On demand” rate.

Interest rates

In rubles

In currency

See also the current interest rates on deposits in Alfa-Bank >>

Sovcombank deposit “Permanent income”: interest and conditions

This is a deposit with replenishment and monthly interest payments. It is suitable for those who can deposit a large sum in the bank and then live by withdrawing the accrued interest. The account can also be replenished if free funds appear. The downside is that withdrawal of the principal amount of the deposit (partial or full) will result in the loss of accrued interest.

Conditions

• > Minimum amount: 30,000 rubles;
• > Replenishment: provided;
• > Minimum replenishment amount: 1000 rubles;
• > Partial withdrawal: not provided;
• > Capitalization: not provided;
• > Interest payment: monthly;
• > Early termination: at the “Demand” deposit rate.

Interest rates

In rubles when opening in the office and via the Internet

Duration, days	Bid	When paying with a Halva card

It is possible to increase the rate by 0.3% per annum in rubles on deposits for 730 and 1095 days opened online. The rate increases if the following conditions are simultaneously met:

1. the initial deposit amount is deposited into the account by non-cash means – by transfer through a third-party credit institution;

2. when closing in the Internet banking system at the end of a period of 730 days or 1095 days with a non-cash transfer of funds to third-party credit organizations, or when automatically prolonging or re-issuing a deposit.

By deposits in foreign currency

Despite the wide selection of investment instruments, consumers still prefer deposits, and, in particular, Sovcombank deposits in Vladimir. The reason for the high demand is quite simple - most people do not have the appropriate education to work in other fields (for example, with securities or art objects). In addition, such products require constant labor, so banking services remain the most convenient way to invest savings.

Today it is one of the leaders of the Russian market in its segment in terms of the number of branches and territorial coverage. The bank's offices are available to residents of 1,052 settlements, which greatly simplifies access to services. Also, management is actively introducing modern technologies for maximum consumer comfort, and qualified staff is always ready to provide quality service to the client and help him with his choice.

Description of the main advantages

Simplicity is not the only advantage of a bank investment. The product has many other benefits, which we will discuss in detail.

1. Money. Of course, the main positive side of the service is the income you receive. Moreover, its size is known in advance, which allows you to plan future expenses even before the contract expires.

2. Reliability. In addition to the contract, the consumer is protected by the state. All banks participate in a mandatory insurance program, which provides compensation for losses in the event of liquidation or revocation of a license. Compensation does not exceed 1.4 million rubles per account. If your amount is more than this limit, then divide it and place it on different deposits.

3. Liquidity. If necessary, you have the right to withdraw funds before the expiration of the contract. This is very convenient because you need cash for urgent expenses. Other instruments will have to be sold first to get money. This will take some time, which you may not have.

4. Documentation. To register, you only need a passport - come to the office with it, sign the agreement and deposit the amount into your account. Bank clients can go through this procedure on the official website by filling out a special form. In this case, you need to transfer funds from your card.

Another important aspect is the choice of interest rate and the method of its calculation - at the end of the contract, by regular payments (for example, monthly) or by capitalization. Often the last option is called the most profitable, but when making a decision you should focus on personal comfort and benefit.

Website for studying offers

On the site, visitors will find information they are interested in about banking products. Here you can find current services with a detailed description of the main parameters and conditions, by comparing which you will make the right choice. You can also view the most profitable options in the promotions and special offers section, and the ratings menu will help you decide on a financial organization.

Sovcombank provides the opportunity to make deposits for individuals since its founding in 1990. Today it is among the TOP 20 banks with the largest assets and is constantly increasing the number of branches in all regions of the Russian Federation. He constantly takes part in the implementation of government programs in the educational, cultural and environmental fields, following international business ethics standards.

Sovcombank - bank policy on personal deposits. persons 2019

In 2019, anti-crisis policy is focused on financial support for any segment of the population, regardless of income level, as well as serving small settlements. Thanks to this, it has gained particular popularity among people of retirement age, who have the opportunity to make deposits under a preferential program. A guarantee of the absence of risks on deposits, as well as their repayment, is that Sovcombank is part of the State Bank Deposit Insurance System.

Even minor clients over 14 years of age can open a deposit. Many clients resort to a profitable solution - dividing the accumulated funds into parts and placing them in different deposits with different programs. To choose the most profitable type of investment, you need to pay attention to its terms and interest rates, as well as its objectives. For convenience, you can use a special electronic calculator.

Sovcombank - types of personal deposits. persons 2019

Sovcombank offers deposits for individuals in 2019 at the best interest rates in rubles and other types of currencies with the opportunity to make minimum investments at 12% per annum. Today, this percentage is considered above average in the banking products market and Sovcombank deposits are extremely popular among various segments of the population.

Sovcombank makes the following offers for deposits for individuals in 2019:

1. “Permanent income” - minimum investment of 30 thousand rubles. with the possibility of monthly interest withdrawal. You can replenish the initial deposit amount by no more than 1 thousand rubles. Available for ages 14 and up. Interest rate is 12-15% per annum. Terms 31-1096 days. Accordingly, the longer the term, the higher the interest.

2. “Maximum income” - available only in Russian currency, minimum deposit from 30 thousand rubles. with a replenishment of no more than 1 thousand rubles. monthly, terms 31-1096 days at 14-16%. You can withdraw the invested funds along with the bet only at the end of the term.

3. “Seize the moment” - for persons with a passport, only in rubles, minimum 30 thousand rubles, maximum 3 million rubles. at 17% for the entire period without the possibility of gradual replenishment. Can be issued for 3 months.

4. “Pension program” - a preferential deposit for pensioners and citizens with social benefits (men over 60 years old, women over 55 years old). Minimum 500 rub. for 181 days at 11% per annum with the possibility of either monthly payments to the card or capitalization upon expiration of the deposit. You can top up your initial investment.

5. “Interest on interest” - a deposit with the possibility of increasing the interest rate throughout the entire duration of the deposit. Monthly accrual of funds. The minimum replenishment amount is 1 thousand rubles. for periods of 31-1096 days at 12-15%.

Sovcombank on deposits for individuals 2019 provides an opportunity to preserve the initial amount of your own funds and protect them from inflation.