Raiffeisenbank deposits. Deposits with Raiffeisenbank: a good solution for making a profit Deposit program “Freedom of Action” - with replenishment and partial withdrawal

Raiffeisenbank offers deposits to individuals under various programs. Depending on the needs of potential investors, you can choose an investment option with the most acceptable and attractive conditions. Let's look at the bank's current programs.

How to choose a deposit for an individual

Raiffeisenbank deposits individuals 2017 accepts within the framework of any of the existing programs. A variety of conditions will provide the opportunity to choose the option that is most promising from the client’s point of view. Quantity at one time open deposits unlimited, you can apply for several at once, according to different programs. When choosing, you can focus on the following parameters:

• Potential profitability, measured as a percentage;
• The period for which the contract is concluded;
• Possibility to shoot cash or make replenishments;
• Methods of receiving profit are transfers to a separate account or addition to the amount of investments based on the principle of capitalization.

It is worth noting that for maximum profit in 2017, you should choose the option with the most stringent conditions (without withdrawal, with capitalization and payment of income at the end of the contract period). It is these deposits that are different higher rates and high profitability. In addition, all investments in the bank are graded according to the following parameters:

• Deposits for potential and existing clients;
• Offers for persons receiving wages through a bank;
• Combined programs;
• Savings accounts.

Current Raiffeisenbank deposits

You can place funds in a bank in order to make a profit in a conservative direction or on deposits combined with investment products- this will allow you to get additional income or insurance protection.

Conservative investment rates

In 2017, the bank has four programs, which are standard deposit offers; they are available to everyone and do not contain bonuses for special categories of the population (individuals):

Profitable - not replenished and spending is not allowed. Payment of profits is set at the client's choice - every month to a separate account or to a deposit account. Opens for a period of 1 month to 2 years. Restrictions on amounts: minimum 50 thousand rubles, 5 thousand dollars or 15 thousand euros, maximum 40 million rubles in total for all accounts opened within the framework of the Profitable deposit. Valid for foreign currency deposits minimum bid- 0.1%. For investments in rubles:

In 2017, the Personal Choice deposit can be replenished, but withdrawals are prohibited. The maximum placement amount is up to 40 million rubles. or 500 thousand dollars. The interest rate in rubles is up to 5.4%, in dollars - a single 0.01% (in euros - not open). The maximum amount is not limited, the validity period is from 31 days to 1 year (366 days). An initial fee: not less than 50 thousand rubles. or 5 thousand dollars. Dividends are added to the principal amount (capitalized) or paid monthly.

The Freedom of Action deposit differs from the previous program by the possibility of partial withdrawals during the term of the agreement (up to the minimum deposit amount). And also the way to receive income - at the end of the term along with the principal amount. Maximum bet for a program in rubles - 4.8%, in dollars - a single 0.01%;

Deposit Triple benefit - multi-currency deposit with the opening of 3 accounts simultaneously. Required terms will be: a minimum contribution of 1 million rubles. with a share for a ruble account of at least 50% of the total amount. Validity period: 181 – 366 days. Rates: up to 4%/0.7%/0.2% in rubles/dollars/euros, respectively. Replenishment and partial withdrawal are not provided; interest is calculated monthly and added to the principal amount.

Interest on joint products

For individuals who want to receive an increased interest rate on their deposit in 2017, deposits that are combined with additional banking services. Raiffeisenbank has four such programs:

Welcome - for individuals who have activated the Premium and Premium Direct service packages, if a month has passed since the connection. The deposit is opened in rubles, the entry threshold is 50 thousand rubles, it can be placed for only two periods - 3 months or six months, and the amount of interest does not depend on the term. Operations by deposit account are prohibited, and you can make a profit only after the contract expires.

For the Welcome deposit, interest rates are set depending on the amount invested

A deposit for individuals combined with an insurance program is called Insurance. When it is issued, interest is transferred to the account after the obligation expires, and transactions on it are prohibited. When simultaneously taking out Raiffeisen Life insurance, the following percentages will apply:

The Investment Deposit is a deposit, part of the funds of which is directed under the management of the Shareholders investment funds Raiffeisenbank. As with the above deposits, replenishment and spending of funds on the deposit is prohibited, and interest is paid at the end of the term. At the same time, the part invested in the mutual fund is not limited by the amount of profitability, while the bank guarantees income only within the limits of the interest stated in the deposit.

For payroll clients

As part of the program for salary clients higher interest rates are provided than in the conservative bloc. In general, the Salary deposit is similar in its terms to the Freedom of Action deposit. With maximum access to the money deposited in the account (deposits and withdrawals are allowed), but the interest rate increases to 5.1%.

In this case, the minimum amount is 30 thousand rubles. (opens only in national currency), A maximum amount replenishment - 40 million rubles. Dividends can be paid either at the end of the term with capitalization or monthly. That is, the conditions for salary clients are more favorable and loyal, and the interest rates are higher.

Savings accounts 2017

For those who want to receive income constantly, be able to withdraw deposited funds at any time without losing interest and replenish their account without restrictions, it is worth considering bank programs such as savings accounts. This is a convenient deposit option for individuals 2017 Raiffeisenbank. Interest is calculated on any amount daily. Established rates: 4.5% for all clients, 5% for salary clients. On this moment under these conditions you can open:

• Savings account For every day;
• Open an account within the online service Save with us.

Their conditions are almost identical; the online service is a classic piggy bank with the ability to manage goals.

A savings account is a great opportunity increase capital without excluding funds from circulation

Conclusion

At Raiffeisenbank, the rates on deposits of individuals are not as high as other large banks can offer, however, there is always the opportunity to take advantage of complex deposits, combined with insurance or part of which goes to the management of a mutual fund. open within the framework of any of the existing programs. In 2017, you can choose programs of different durations and operations capabilities during the contract period.

Review of Raiffeisenbank deposits for individuals for 2017: description of programs, interest rates (up to 7.10% per annum ₽), how to choose best deposit, and other.

The bank has a lot of deposit programs, but the interest rate leaves much to be desired. The rates are small, but comfortable opening conditions, and all sorts of options, in some cases “smooth out” the overall impression of the “product”.

The bank has programs: with replenishment, with partial withdrawal, multi-currency solution, with monthly interest withdrawal, with capitalization.

All bank deposits are insured, in accordance with all the rules of the State Law (the Bank is part of the “SSV” system of the Russian Federation), with a guaranteed return of 1.4 million rubles. By the way, this circumstance is the most important criterion in choosing a depositor.

1. “Profitable” deposit program – up to 7.10% per annum in rubles

Interest is calculated and paid monthly. The depositor also has the opportunity to transfer accrued interest back to the deposit account (capitalization), which helps increase future income.

The maximum rate can be obtained by investing 2 million rubles for 181 days (by choosing capitalization).

The minimum deposit amount is 50,000 rubles. Term to choose from: 31, 91, 181, 366, 730 days.

The deposit can also be opened in dollars and euros. Bet on foreign currency deposits fixed – 0.01% per annum.

It is possible to open a deposit: through bank offices, or through “Internet Bank” - remotely. There are no deposits or partial withdrawals.

2. “Personal choice” deposit program – with replenishment

A deposit for those who like to gradually report their deposit throughout the entire term. By the way, you are allowed to top up for any amount.

Since the deposit rate depends on the deposit amount, you can increase it during the term by topping up to the next amount gradation (see interest table).

* – rate when choosing interest capitalization.

Interest is calculated every month. You can withdraw them monthly, or transfer them to capitalization. The maximum rate is 6.38% per annum.

Partial withdrawal is prohibited. Term to choose from (depending on the rate): 31, 91, 181, 366 days.

3. “Triple Benefit” deposit program – multi-currency

Due to sharp fluctuations in the exchange rates of major currencies, many banks have introduced multi-currency programs into their arsenal of deposit products. This program allows you to place your savings most effectively and not depend on the instability of the financial market.

At Raiffeisenbank, such a program implies a deposit in the amount of 1,000,000 rubles. This is the total deposit amount in three currencies: ruble, dollar, euro. But there is one condition - in total amount the deposit must be at least 50% in rubles. The minimum amount of dollars and euros in the total deposit should not be less than 1 $ / €.

The opening period is at the choice of the investor: 181 days or 366 days.

Interest is calculated monthly and sent for capitalization. They can be received at the end of the term, along with the main body of the deposit.

* – rate when choosing interest capitalization.

4. Deposit program “Freedom of Action” – with replenishment and partial withdrawal

In the past, this “product” was called “Yubileiny”. Deposit with a full range of options: replenishment for any amount, and partial withdrawal.

By increasing the deposit amount during the term, you can move to the next amount gradation and increase the percentage.

The minimum amount for opening a deposit is only 50,000 rubles. The maximum rate is 5.2% per annum in rubles. Interest is paid at the end of the term.

You can choose the deposit period at your discretion – from 31 to 366 days.

5. Savings account “For every day”

Analyzing the deposit programs of Raiffeisenbank, we came to the conclusion that the savings account “For every day” deserves special attention.

The account offers to invest your savings at: 6% per annum for the bank’s “salary clients”, and 5% per annum for all other categories.

Interest is calculated daily on the balance and paid monthly. You can withdraw some money at any time, or top up with any amount.

Moreover, withdrawals are made without loss of interest.

You can open it in any way, through: “Internet Bank”, bank office, mobile app, or by calling the “Information Center”.

Raiffeisenbank specializes not only in working with cards. It offers its clients the opportunity to make a profit from their savings. Deposits with Raiffeisenbank are an excellent way to increase your capital without risk. More details with everyone current offers you can meet at any of the Raiffeisen branches open throughout the country, or at the company.

Raiffeisenbank employees recommend first visiting the official portal and viewing full list financial products. All Raiffeisenbank deposits in 2018 are reviewed in the section of the same name, which can be accessed immediately from the main page.

In this section you can get information about:

• savings accounts;
• contributions;
• mutual funds;
• safe deposit boxes.

Other useful sections are also presented to customers. Including details about insurance of all deposits, answers to popular user questions and detailed description tariff plans and conditions for opening deposits at Raiffeisen Bank.

The most attractive offers from Raiffeisen Bank at the moment will be placed in the form of a visual banner next to the main information of the section.

Deposits of individuals in Raiffeisenbank

Anyone can contact Raiffeisenbank to open a deposit. This is beneficial, since the available cash will not only be safe, but will also serve as an additional source of income. Raiffeisenbank will protect the client’s capital from inevitable inflation, and will also allow him to receive interest.

Raiffeisenbank offers several deposit options, each of which has its own advantages. Before submitting an application, it is recommended to carefully study all tariffs and choose the one that will best suit your needs and requests.

Tariff plans for deposits at Raiffeisenbank today are discussed in the comparative table.

Raiffeisen offers different service options for its existing and new clients. Users can open deposits in rubles or foreign currency, and also choose the duration of the contract, which is traditionally a minimum of 6 months and a maximum of 2 years.

Due to the rise in the exchange rate of the American dollar and the euro against the ruble, they are becoming in demand foreign currency deposits. Raiffeisenbank takes this into account and offers its clients the opportunity to open accounts in different currencies.

To get more full information about any offer from Raiffeisenbank, you need to click the “more details” button. On the page that opens, the user will see all the conditions for opening a deposit, as well as the exact rates on deposits, minimum amount down payment and additional features provided by Raiffeisen Bank.

For example, one of the most popular deposits, “Freedom of Action,” is opened when the client’s account has at least 50,000 rubles or 5,000 American dollars. Such a deposit can be replenished, including automatically from an account or.

Interest on deposits may vary. Thus, if you deposit US dollars into Raiffeisen, the rate will be the same throughout the entire period of the contract. It will be 0.01%. If a user opens a deposit in rubles at Raiffeisenbank, then the following dynamics will be observed:

• up to 90 days – 1.5%;
• up to 180 days – 3.4%;
• up to 270 days – 3.6%;
• up to 366 days – 3.6%.

Such a deposit is subject to extension, but the interest rate on it will no longer increase. Raiffeisenbank provides clients with the opportunity to open deposits for short periods of time, but the greatest benefit is provided by saving in Raiffeisen cash savings throughout the entire period (up to two years).

Additional services for deposits

Any savings deposit, opened through Raiffeisen, is valid for a certain time period. Upon its expiration, the client can either withdraw his funds and the interest received on them, or enter into a new service agreement.

During the validity period of the deposit, the client can use a convenient online service. Raiffeisenbank offers to connect Personal Area. It allows:

• monitor the status of the open deposit;
• open new deposits;
• partially withdraw funds;
• replenish the deposit.

All actions can be performed online from your computer or smartphone, provided you install the application from Raiffeisenbank for individuals.

Another convenient service from Raiffeisenbank - deposit income calculator. You can find it in the “calculate income” tab in the “deposits” section.

When you press the button, a window will open with empty fields where you need to enter all the contribution parameters:

It is also worth noting what Raiffeisen's clients want to do with the accrued interest. They can be left in the account and capitalized, or withdrawn from the deposit monthly and spent at your discretion.

After clicking the “calculate” button in the right window, the user will see his approximate income on his deposit in Raiffeisen.

This is only approximate information, so for the most accurate calculation you need to visit a Raiffeisenbank branch.

Savings account from Raiffeisen

A savings account at Raiffeisenbank differs from a deposit in that interest on the balance will be accrued daily. This product allows you to get passive income and dispose of it immediately. This is a popular service, so Raiffeisenbank offers several options to choose from:

Savings accounts from Raiffeisen are great option for those who want to receive a small but regular income at any convenient time. They are intended to replace social banking products, including deposits for pensioners.

How to open a deposit or account through Raiffeisenbank

A person familiar with tariff plans, conditions and special offers from Raiffeisen, can act in two ways. The first option is to contact a Raiffeisenbank branch. Managers will advise on everything banking products and answer additional questions from the client, after which they register the deposit and explain how to use it.

An alternative option for existing Raiffeisenbank clients is to leave an application for opening an account or deposit on the official Raiffeisen website. This can be done directly in the “deposits” section. You need to select the product you are interested in and click the “open deposit” button.

The system will open a new window in which you need to enter data for authorization in your Raiffeisen personal account.

To log into the Internet bank and open a deposit, you will need a login and password. If they are not there or the client has not yet enabled the option remote maintenance, then you need to press the “connect” button. Next, the user enters the card details received from Raiffeisenbank and waits for an SMS code to confirm their identity in the system.

After authorizing in the Internet bank and logging into their personal account, Raiffeisen card holders can open new deposits at any convenient time, replenish existing ones, and also monitor the dynamics of interest accrual on them.

Deposit insurance at Raiffeisenbank

Raiffeisenbank knows how important security guarantees are for customers and offers insurance for deposits opened by users.

The presence of insurance is an advantage of Raiffeisen Bank in the market financial services. Clients do not fear for the safety of their savings, so they feel free to contact Raiffeisenbank branches to open accounts or deposits.

The deposit insurance system from Raiffeisenbank works according to a simple algorithm. Clients who provide an application and identification documents will be able to receive the payments due to them and return the funds even if Raiffeisenbank ceases its activities.

Raiffeisenbank deposits are aimed at people with different levels prosperity. If you decide to take advantage of the offers, remember: the maximum possible income can be obtained if you make a deposit for a long time and for a large amount without the possibility of partial removal.

What Raiffeisenbank deposits exist?

Raiffeisenbank deposits on our website are presented in 7 options. Open on favorable conditions cash deposit pensioners can. They offer higher interest rates. Best deals available for payroll clients. You can also take advantage of seasonal promotions; you can get complete information about them on the bank’s official website.

Opening a deposit with Raiffeisenbank at interest means protecting your savings. The bank is a participant in the system compulsory insurance deposits, is part of the European banking group. Thanks to the latter, it gains additional financial stability.

Raiffeisenbank deposit conditions?

Interest rates on Raiffeisenbank deposits today vary: from 0.01 to 7%. In order to preserve and increase funds, you can deposit an amount from 1 to 10,000,000 rubles. The period can range from a month to 730 months.

Raiffeisenbank offers deposit rates taking into account:

• partial withdrawal options;
• deadlines;
• replenishment.