Christmas oriental contribution. How to open a deposit in Orient Express Bank? Advantages and disadvantages

Features and limitations of the Rozhdestvensky deposit

Conditions for partial early withdrawal without loss of interest:

During the entire storage period of the deposit, it is allowed to make a one-time partial early withdrawal of the deposit up to the amount of the minimum balance, i.e. up to 90% Money located in the account at the time of partial early withdrawal of the deposit, but excluding capitalized interest.

In this case, interest on the entire amount of the deposit, including the amount of partial withdrawal (until the date of demand for the specified amount by the depositor), during the period of storage of the deposit, is accrued at the rate determined in the terms of the fixed-term agreement bank deposit at the time of its signing.

When making a partial early withdrawal under other conditions, interest on the deposit is calculated based on the rate for the “Demand Deposit” deposit, based on the actual number of days the funds are in the deposit account. Moreover, if during the period of actual storage of funds this rate changed, then each value of the rate valid during the corresponding period of time is used for calculation.

Conditions for full early withdrawal without loss of interest:

In case of full early withdrawal of the deposit, interest for the entire period of storage of funds is accrued at the rate of the “Demand” deposit. Moreover, if during the period of actual storage of funds this rate changed, then each value of the rate valid during the corresponding period of time is applied to calculate interest.

Capitalization: Eat

Refillable: No

Partial withdrawal: No

Interest payment: Annually

Other conditions:

Early withdrawal: In case of full early withdrawal of the deposit, interest for the entire period of storage of funds is accrued at the rate of the “Demand” deposit. Moreover, if during the period of actual storage of funds this rate changed, then each value of the rate valid during the corresponding period of time is applied to calculate interest.

Rate increases as you accumulate: No

Preferential termination: No

Special conditions: For participants of the Bank's "Interest as a Gift" program (the conditions are posted on the Bank's information stands), an additional bonus (per annum) is awarded: Bonuses are not cumulative. The largest possible bonus is awarded. With the exception of the bonuses specified in clauses 3., 5. These bonuses are cumulative. When opening a deposit in the Internet Bank, the rates of Tariff Zone 3 apply. Bonuses do not apply when opening a deposit through the Internet Bank.

Possibility of opening a deposit online for bank clients: Eat

Orient Express is a bank that has been operating since 1991. Over the course of 25 years, the bank has constantly improved and expanded its regional network. Today it is one of the largest banks in the Russian Federation: the deposit portfolio exceeded 124,000,000,000 rubles.

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Deposits in the bank are guaranteed by the state, since Orient Express is a participant in the deposit insurance system.

Conditions

To open a deposit with Orient Express, you need a document that verifies the identity of the depositor.

Not only a citizen of the Russian Federation can become a bank client. To open a deposit for a person foreign country You will need a passport, migration card, as well as documents confirming the right to legal stay in the Russian Federation.

Deposits in the bank can be placed for various periods, from 31 days to 3 years. Rates can reach 11.67% per year.

Additionally, the bank offers a debit card as a gift, as well as bonuses for regular customers, pensioners and customers who open deposits remotely. The minimum deposit amount is 30,000 rubles.

Deposits are insured, the safety and security of funds are guaranteed by the state!

How to open?

If you, a potential investor, have decided to opt for the Orient Express, then you should know that the conclusion of a transaction with the bank occurs in the shortest possible time.

You can open a deposit:

• at the nearest bank office;
• through the Internet banking service.

Having settled on the first option (personal visit to the office of a banking institution), the potential depositor must provide the responsible employee with a document that verifies his identity.

The specialist will help you choose a deposit that will best meet the client’s needs (replenishable, without replenishment, capitalization, partial early withdrawal of the deposit, etc. nuances).

If the potential depositor is a bank client, he can open a deposit using Internet banking.

To do this, you need to register in this service and select a deposit. This option saves the investor’s time and allows him to control his savings from anywhere in the world.

Deposit line

Currently, the bank offers 4 deposit programs with different conditions: capitalization, early withdrawal of part of the funds, replenishment, etc.

The table shows the main conditions for each program:

The "Practical" deposit can be placed for 1/2 - 2 years, from 100,000 rubles or 2,000 dollars/euro. The advantage of this program is that it is possible not only to invest the deposit, but also to partially withdraw it up to the minimum balance.

Moreover, the investor can independently, up to the day, choose the placement period. Interest is capitalized or paid to a bank card.

The Vostochny deposit allows you to get a high income, up to 11.41% per annum. This deposit is not replenished and is not automatically extended.

Interest may be capitalized or paid monthly. Minimum placement – 30,000 rubles or 500 dollars/euro.

Rozhdestvensky deposit in Orient Express Bank

The highest income can be obtained from the Rozhdestvensky deposit. This deposit is not replenished, the rate on it reaches 11.67% per annum.

Minimum contribution 30,000 rubles. The bank accrues interest once a month; it can be transferred to a debit card or added to the deposit for capitalization.

Passbook

By this contribution interest rate may reach 10.57%, minimum size – 30,000 rubles.

The rate may increase during the term subject to a transition to a different amount range. Interest is capitalized or paid monthly.

Interest

Rates on Orient Express depend on the deposit program, method of opening a deposit, currency, period, and other nuances.

If we talk about the maximum benefit on deposits in the context deposit programs, That:

• “Rozhdestvensky” - 11.67% in rubles, 3.51% in euros, 4.02 in US dollars;
• “Vostochny” - 11.41% in rubles;
• “Sberknizhka” - 10.57% in rubles;
• “Practical2 – 10.28% in rubles.

As has already been said many times, Orient Express offers bonuses and promotions to its regular, new investors and, of course, pensioners.

Note that:

• when concluding a deposit agreement using Internet banking, the bank will add 0.1% per annum to the main rate;
• when a pensioner contacts a bank to open a deposit, the bank offers +0.1% per annum to the rate;
• upon concluding an agreement with regular customer, the rate increases by 0.5% per annum.

Bonuses can be cumulative!

Insurance

Naturally, when looking for a financial institution to place a deposit, the client wants to make sure that the funds are safe.

As for the Eastern Express, bank clients can rest assured that their savings are safe.

Deposits placed with Orient Express are insured. Since 2005, the bank has entered the system compulsory insurance deposits.

The only exception is for the following categories of deposits:

• bearer deposits;
• deposits transferred banking institution in trust management;
• deposits placed in branches of Russian banks located abroad.

Requirements for depositors

Anyone can become an investor in the Orient Express individual which will present Required documents. These can be both citizens of the Russian Federation and citizens of foreign countries.

The bank does not put forward any requirements for potential depositors. A client wishing to open a deposit must bring identification documents to the bank office.

If a potential depositor wishes to open a deposit through the Client Bank, he mandatory must be a client of the bank, and also undergo identification and registration through this service.

List of documents

To open time deposit at the bank, the potential depositor must provide:

1. residents:

• passport;

2. non-residents:

• national passport;
• migration card;
• documents confirming the right to stay on the territory of the Russian Federation.

At the bank, the potential borrower will be asked to write an application to open a deposit, fill out a form to receive a bank debit card, and also sign a deposit agreement.

Early withdrawal of money

No one is immune from force majeure situations that urgently require financial investments. Therefore, depositors often ask the question of whether it is possible to withdraw the entire amount or part of the deposit early.

Orient Express guarantees that upon first request, the depositor can withdraw his entire savings by closing the deposit agreement ahead of schedule.

But, the client must understand that during such an operation, interest will be recalculated and accrued at the demand rate.

The only exception is for the “Practical” deposit; it provides for expense transactions without loss of accrued interest. You can partially withdraw your deposit up to the minimum balance.

You can find out more about microloans using a passport using the following.

Advantages and disadvantages

Clients who are regular depositors in Orient Express note many advantages of cooperation with the bank.

Here are just a few of them:

• deposits are insured;
• opening and monitoring a deposit using Internet banking;

• a small line that “does not confuse” depositors; the client can independently compare the conditions for all deposits and choose the option that is profitable for himself;

• upon conclusion of the contract, banking debit card For a present;
• high interest rates;
• bonuses and promotional offers to regular and potential investors;
• withdrawal of a deposit or closure of an agreement can be carried out at any bank office.