Post Bank deposits interest on deposits. Deposit rates for individuals and pensioners in the Russian Post Bank

Post Bank deposits are an opportunity to protect your savings from inflation, as well as earn some money. In the product line credit institution the following main types of deposits are presented:

• with maximum income and its payment only at the end of the term;
• with monthly interest withdrawal;
• with quarterly interest payments, replenishment and capitalization.

To date, the organization does not offer its customers products with the possibility of early termination of the contract without loss of income. Therefore, when placing free funds in this bank, you need to rely on your financial capabilities and plan the cash flow in such a way as not to lose profit.
Another feature of the deposit line is the absence of offers to place savings in foreign currencies: US dollars and euros. Products for individuals are issued only in rubles.

Special conditions apply:

• for pensioners;
• when receiving services online;
• for payroll clients.

How to issue

To open a deposit as soon as possible, you need:

• contact an employee of the client center, having a passport of a citizen of the Russian Federation and mobile phone with an active SIM card;
• open a savings account;
• choose the most appropriate way to open a deposit;
• deposit money through an ATM, interbank transfer or online.

Interest will accrue in accordance with the terms of the agreement. You can withdraw them at the end of the term or leave the entire amount on the account by prolonging the agreement.

About each admission Money, as well as changes in the parameters of the service, you will learn by SMS. It is very convenient and allows you to control your finances in an optimal way.

All deposits are insured in accordance with the law Russian Federation. So you can be sure that your savings are under reliable protection states.

Organization history

Pochtabank was created by the VTB Group and the Russian Post with the aim of making basic financial services accessible and convenient for all categories of consumers throughout the Russian Federation: both in large cities and in small towns. The first service points were opened in post offices in April 2016.

Over the entire period of its existence, the bank has shown an absolute record in terms of the growth rate of its network of its own representative offices. Today it includes more than 18,000 branches in more than 6,000 locations across the country. The organization's clients are about 10 million consumers, which became possible due to the use of "light" technology for locating bank offices. Its offices are even in small villages with a total population of up to 100 people.

Post Bank deposits for individuals in 2018 are focused on the convenience of receiving services and advantageous offers. Additional options and state system insurance will allow you to get the maximum return on investment of your money. What deposits are available to citizens in Post Bank, we will consider further.

Deposit characteristics

Today it is perhaps the most effective method preservation and increase of capital. The Bank issues insurance for the funds placed on the depositor's account. Therefore, the risks of their loss are minimized. Contributions are especially relevant for pensioners.

What are the programs?

1. Capital;
2. Profitable;
3. Cumulative.

The conditions for individuals 2018 allow, regardless of the chosen investment program, to additionally use services that are connected during registration or at any convenient time. An example is the opening of a savings account. Deposit insurance begins its action simultaneously with its opening.

Each program has its own conditions, requirements and interest rates. In Post Bank in 2018, interest and rates will differ, depending on the chosen tariff, as well as the methods of opening an account.

Capital

The conditions and interest rates for the Capital tariff are among the most favorable in 2018. The initial amount is relatively low, therefore it is available to many individuals who take a responsible approach to their savings. Usually, distinguishing feature Russian pensioners - keeping money at home. In this case, finance does not generate income. Capital - a great opportunity for pensioners and cope with this situation.

Terms

Post Bank customers do not need to visit a bank representative to place savings. The whole procedure is performed without leaving home, through an online service or a mobile application. This service is designed to provide maximum comfort to the client.

Conditions applicable to individuals when opening a deposit in 2018:

• Account opening currency - Russian ruble;
• The minimum contribution is 50,000;
• Shelf life - 181 or 367 days;
• Rate of return up to 9.5%;
• Interest is available on the last day of the account, by transferring to the client's personal account;
• Bonus when opening an account online - 0.25% of the main rate.

For those who only want to become a client, you need to personally visit a consultant at the nearest representative office of the company. To open an account, you will need a passport of a citizen of the Russian Federation.

After completing all the formalities, the client independently decides how to deposit money - through an ATM, money transfer or using a mobile application.

After the conclusion of the contract, the deposit begins to work and generate income for its owner. All completed operations on the account are confirmed by sending an SMS to the client with a report.

Accrued interest is paid at the end of the term by a one-time money transfer to the account specified by the client.

Actions on account

After the money is transferred to the account, the following operations are available:

• Deposit replenishment. The only condition for making additional funds is a period of 10 days after the start of the deposit. This can be done after receiving the plastic card provided for this operation, through an ATM. The PIN code is sent to the client on the specified mobile phone.
• An early termination option is available. It is carried out after the submission of a written application. Money is transferred on the day of treatment with recalculation of interest. In this case, the interest on the Capital Post Bank deposit will be completely different than specified in the agreement. The bank determines their size unilaterally.

Profitable

To apply for Profitable, available to individuals, you must contact a bank employee or leave an application on the official website of Post Bank. Be sure to open a Savings account and decide on the method of opening and depositing funds into the account. Money on the client's account is insured by the deposit insurance system.

Terms and interest rates

• Account currency - ruble;
• Interest yield - up to 8.5% per annum, paid monthly;
• When applying online, you can get 0.25% of the basic rate;
• Validity – 1 year;
• The starting amount is 500,000 rubles.

The disadvantage for individuals is the high starting amount. Most likely, the deposit will not be available to pensioners and other categories of citizens with a relatively low income.

The requirements for the client are standard:

• Citizenship of the Russian Federation;
• Identification document;
• Verified phone number;
• Signing an agreement to open a Savings Account, where, after the expiration of the agreement, funds with accrued interest will be transferred.

The client must determine the most convenient way of registration - online or through a written application submitted. Deposit insurance is provided for any option chosen.

Funds of individuals are deposited by any convenient way: in cash to a card linked to an account or by money transfer through a third-party bank. Through the card, the account can also be replenished within the specified period.

Deposit operations

When opening an account, it is important to understand what actions can be applied in relation to the placed funds.

Account replenishment is available within the first 10 days after registration and deposit of funds. Early termination is possible. In this case, the payment of funds occurs on the day of application. Interest is recalculated at a fixed interest rate established for these cases.

Cumulative

From other types of deposits, Post Bank, Accumulative is very different. You can deposit additional funds at any convenient time by depositing them through a specially issued plastic card at an ATM or by money transfer. You can also use special online forms on the bank's website.

Terms

Accessibility and convenience for individuals is a distinctive feature of this type of deposit. The program is also available to retirees.

• The currency of the postal bank deposit is the Russian ruble;
• The minimum funds for opening a contract is only 5,000 rubles;
• The maximum deposit on the account is practically unlimited;
• Rate up to 8.3%;
• Shelf life 367 days from capitalization;
• When opening an account online, in addition to the main rate, you can get 0.25%.

Account actions

For individuals, early termination of the contract is provided with a one-time payment of their own funds without recalculation and loss of interest. You need to apply with a statement of the established form to the nearest representative office or to a consultant at the sales desk.

Registration and opening of an account is similar to other types. It is enough to contact a consultant or fill out a form on the site. Filling out an application on the site can bring additional interest and receive increased monthly income

All Post Bank deposits are insured by a special deposit insurance system. This option indicates the reliability and stability of a financial institution to which investors entrust their funds.

Yield

Profitability can be pre-calculated independently using the Post Bank calculator. To do this, you need to go to the official website of the bank and set the necessary parameters in the appropriate fields. The calculator will automatically calculate the possible income on the account. But it is worth taking into account that these calculations are only approximate.

The total profit from the account is made up of several factors. So, for example, deposits for pensioners Post Bank have more attractive conditions for storing funds. When registering the Pension tariff, you can get an additional 0.25% to the main rate.

A feature of the listed types of deposits is the same conditions for all regions of the country, which provide for representative offices and sales counters of banking services Post Bank. This means that Post Bank Moscow deposits are no different in Samara, Tolyatti, Voronezh, Tver or Volgograd.

It is profitable to invest your funds in 2018 in deposits. A new deposit with a floating interest rate is expected.

Conclusion

Save and increase your savings through a deposit in Post Bank at interest for individuals will great solution. Those who decide to take such a step, first of all, study the offers on the market and select the most optimal one. They use a calculator to calculate the yield, study interest and interest rates, conditions. It is important for a depositor that his savings are in a reliable financial institution. Therefore, the availability of an insurance system is an important factor when choosing a bank to store savings. Post Bank deposits are insured.

Post Bank in 2019 offers individuals several types of deposits. How do they differ, how to open them and at what interest? All deposits are accepted only in rubles. Interest rates depend on the chosen deposit, terms and amount of invested funds. In this case, you can get plus 0.25% to the standard rate.

All deposits are accepted only in rubles. Rates depend on the chosen deposit, terms and amount of invested funds. According to the bank's policy, you can get a premium - plus 0.25 points to the base rate in the following cases:

• by connecting the tariff "Active";
• confirming the status of a pensioner;
• depositors who are payroll clients of the bank;
• when making a deposit independently through the Post Bank Online system.

Please note that offers are not cumulative. For example, if a pensioner made a deposit online, he will receive a higher interest rate of only 0.25%, and not 0.5%.

Part of the funds can be placed on the Savings Account, which is opened simultaneously with the deposit. The client receives:

• in the amount of more than 1000 rubles. yield up to 4%, more than 50,000 rubles. – up to 6% per year, which is paid monthly;
• when withdrawing in parts, the accrued interest does not disappear;
• the ability to save interest on partial withdrawals from the account.

Deposits for depositors Post Bank

• "Capital"

The duration of the term deposit is determined by the client and can be six months, a year or 18 months. Base rates range from 7.05% to 7.25%, depending on how long the savings are kept. Clients eligible to receive a bonus can count on an annual rate of 7.3% to 7.5%. To make a deposit, you must deposit at least 50,000 rubles.

You can make additional contributions only in the first 10 days after opening the deposit. For this, a local card is issued, with the help of which you can deposit money through the terminal. Partial issuance is not allowed. Interest on this deposit is accrued at the end of the term. Automatic extension of the contract is provided, the prolongation is made for a period of 181 or 367 days.

If the money is needed ahead of schedule, you should go to the client center with a statement. In this case, interest will be recalculated at a rate of 0.1% for the entire period of storage of investments.

• "Profitable"

The term for which this deposit can be opened is 367 days. The smallest investment amount is 500,000 rubles, the maximum limit is not limited. The rate is fixed at 6.85%. For pensioners, persons who have connected the "Active" tariff and customers who have issued the product online, the annual rate will be increased to 7.1%. It can also be topped up only 10 days after the opening date. Interest is calculated monthly and credited to a savings account.

It is impossible to withdraw part of the finance from the account while maintaining profitability. In case of premature termination of the agreement, interest will be recalculated at 0.1%.

• "Cumulative"

Term deposit product, which involves the storage of investments throughout the year. Enrollment of additional contributions is allowed throughout the entire duration of the program. Interest is calculated every 92 days, and you can close the deposit ahead of schedule without losing it. At a rate of 0.1%, only the period from the day of the last capitalization to the day the money is demanded will be recalculated.

The annual rate within the framework of the offer is 6.75% for the regular category of clients, 7% for individuals to whom special conditions apply: for pensioners with the "Pension" and "Salary pensioner" tariffs, when making an online deposit and when switching to the tariff " Active". Minimum amount deposit - 5000 rubles. Debit transactions on the account are not provided.

• "Mail"

A new deposit, which can be issued at the branches of the Federal State Unitary Enterprise Russian Post. The validity period of the deposit product is 6 or 12 months. Incomplete withdrawal of funds without loss of accruals is not provided. Replenishment is possible, but only in the first decade of the existence of the deposit.

The minimum deposit amount is 50,000 rubles, the maximum value is limited to 100 million rubles. The base rate is set at 7.05% for semi-annual and 7.15% for annual deposits.

How to open a deposit

Those who are already a client of the bank do not need to go anywhere. They can immediately open a deposit online through the Internet bank.

Upon closing, funds are sent to a Savings Account, from which they can be withdrawn at an ATM (from a local card) or transferred to an account with another financial institution.

In 2019, Post Bank offers individuals, including pensioners, a profitable range of deposits. See at what interest rates today you can open deposits at Post Bank.

Today, the line of deposits of individuals in Post Bank is quite different from the offers we are used to from other banks.

√ It is not possible to open deposits in foreign currency here. Only deposits in rubles are accepted.

√ It is not possible to make a deposit with a partial withdrawal of money without losing interest. For example, such as "Managed" in Sberbank or "Comfortable" in VTB.

But Post Bank deposits have many other advantages. For example, the fact that for deposits made via the Internet, as well as those opened by pensioners, there is a substantial premium to the interest rate. In addition, when opening a deposit, the client receives his own Savings Account free of charge and debit card WORLD.

And now, when the correspondents of the site briefly spoke about the main features of Post Bank deposits, you can proceed to their detailed review.

Post Bank: interest and terms of deposits for today

Today, in the line of deposits of Post Bank there are deposits with a high rate, replenishment, monthly payment of interest, as well as capitalization. Consider what interest rates and conditions today have Post Bank deposits for individuals, including pensioners.

Deposit Post Bank Maximum - the most profitable for today

This is a new seasonal deposit for individuals, which has the highest interest rate to date. But if you plan to issue it, then you need to hurry. Deposit accepted only until July 1, 2019.

Terms

• Term: 367 days;
• Amount: from 100,000 rubles;

Interest rate

Deposit Post Bank "Capital": interest and conditions

This is a classic deposit for individuals, which allows you to get the maximum income from investing funds. It will be especially beneficial for those who are ready to deposit a large amount in Post Bank and not withdraw money for a year.

Terms

• Term: 6, 12, 18 months;
• Amount: from 50,000 rubles;
• Replenishment: provided within the first 10 days;
• Partial withdrawal: not provided;
• Interest payment: at the end of the term;
• Early termination: at a rate of 0.1%.

Interest rate

1. Basic conditions

Basic conditions

2. Special conditions for pensioners (tariffs "Pension", "Salary pensioner"), when opening a deposit through Post Bank Online, when switching to the "Active" tariff

See what interest on deposits of individuals today offers

Deposit of Post Bank "Profitable": interest and conditions

This is a deposit for individuals with a monthly interest payment. The minimum deposit amount is quite large, but depositing less in the bank is not profitable if you are going to live on interest. In any case, you can withdraw all the money if they are urgently needed, even without accrued interest.

Terms

• Term: 12 months
• Amount: from 500,000 rubles
• Replenishment: provided within the first 10 days
• Partial withdrawal: not provided
• Interest payment: monthly to a savings account
• Early termination: at a rate of 0.1%.

Interest rate

Special conditions for pensioners (tariffs "Pension", "Salary pensioner"), when opening a deposit through Post Bank Online, when switching to the "Active" tariff.

Deposit of Post Bank "Accumulative"

This is a replenishable deposit for individuals, which allows you to save money by replenishing the deposit from time to time. In addition, interest is capitalized every 92 days.

Terms

• Term: 12 months;
• Amount: from 5,000 rubles with the possibility of replenishment;
• Replenishment: provided during the entire period;
• Partial withdrawal: not provided;
• Interest payment: capitalization into the deposit every 92 days;
• Early termination: at a rate of 0.1%.

Interest rate

1. Basic conditions:

6,5% (6.66% with capitalization)

2. Special conditions for pensioners (tariffs "Pension", "Salary pensioner"), when opening a deposit through Post Bank Online, when switching to the "Active" tariff:

6,75% (6.92% with capitalization).

Deposit of Post Bank "Post"

This is a classic deposit for individuals without replenishment, capitalization and partial withdrawal of funds without loss of interest. The terms of the deposit provide for the possibility of early closing of the deposit at a preferential rate. Registration of the deposit is carried out in the post offices by employees of the Russian Post.

Terms

• Term: 181, 367 days;
• Amount: from 50,000 rubles;
• Replenishment: provided within the first 10 days;
• Partial withdrawal: not provided;
• Interest payment: at the end of the term;
• Early termination: at a rate of 0.1%.

Interest rate

Surcharge:

+0,25% per annum to the rate for pensioners (tariffs "Pension", "Salary pensioner"), when opening a deposit through Post Bank Online, when switching to the "Active" tariff.

Savings account Post Bank

When you open deposits for individuals with Post Bank, customers are also issued a Savings Account and a MIR debit card for free. This is done for the convenience of using the deposit.

Firstly, when the deposit is closed, the funds are transferred to the Savings Account, from where the money can be withdrawn in cash from an ATM or transferred to another bank using a card. Also, the card is convenient for monthly withdrawals of interest.

And secondly, the Savings Account itself can serve as an excellent financial instrument, since decent interest is charged on the balance of funds.

So, when opening a Post Bank Savings Account, the client receives free of charge:

• opening and maintaining an account;
• issuance and maintenance of an unnamed MIR card;
• connection and maintenance of Mobile and Internet banking;
• all transfers to customers of Post Bank from the account;
• replenishment of the account from cards of other banks in Post Bank Online (from 3,000 rubles);
• cash withdrawal by card at ATMs of Post Bank and VTB Group banks, as well as cash points of Post Bank at post offices;
• depositing cash into an account at Post Bank ATMs and ATMs of VTB Group banks.

Interest rates

Special conditions apply to customers with the tariffs "Salary", "Active", "Pension" and "Salary pensioner".

Interest is paid monthly, capitalized on the account, and when you withdraw funds, the income received will remain with you.

To open a Savings Account, simply inform the Post Bank employee about your desire when making a deposit for individuals.

Tariff "Active" in Post-Bank

Post-Bank customers, ordinary individuals and pensioners, can apply for an Active tariff.

Why is it beneficial?

When switching to the “Active” tariff, the bank offers an interest rate increased by 0.25% per annum on deposits.

Your interest on the minimum balance of the Savings Account will increase by 1%.

Your cash loan rate will automatically decrease by 2% per annum! And the overpayment on the loan will be significantly less.

How to switch to the "Active" tariff

Pay for everyday purchases with Post Bank cards or make payments to Post Bank Online for a total amount of 10,000 rubles or more per month, and you will automatically get all the benefits of the Active tariff.

Post Bank deposits for pensioners 2019: the percentage is even higher!

Today, about a third of Post Bank's clients are pensioners. And their number will grow. This is not surprising, because the deposits of individuals Post Bank for pensioners have an increased interest rate. The surcharge is 0.25%.

You can get it if you receive a pension to your account at Post Bank. If necessary, a bank employee will help you fill out such an application for the transfer of payments to transfer it to Pension Fund Russia (FIU). The "Pension" tariff with a premium on deposits and other benefits is set automatically upon the first transfer of funds from the PFR.

How to open deposits of individuals Post Bank

If you are not yet a Post Bank customer, then

1. Contact an employee of the Post Bank customer center with a Russian passport and a mobile phone;

2. Open a Savings account and choose the method of opening a deposit: through Post Bank Online or in the client center.

3. Deposit money through the Internet bank, ATM or using an interbank transfer.

If you are already a client of Post Bank, then you can immediately open a deposit via the Internet (if you wish, you can also contact the client center). You can also deposit money through the Internet bank, ATM or using an interbank transfer.

SMS informing

On each receipt of funds in the deposit, as well as on the increase interest rate when the deposit amount reaches the level set for a higher rate, the clients will receive SMS messages from the Bank.

Deposit insurance for individuals Post Bank

All Post Bank deposits for individuals are insured in accordance with the legislation of the Russian Federation. The amount of compensation for insured event, recall, today is 1.4 million rubles.

More recently, the Russians learned about the formation of Post Bank. Not many people know that PJSC Post Bank is a member of the VTB financial group and the Federal State Unitary Enterprise Russian Post. The key factor in the bank's work is that it interacts directly with Russian Post. Any product can be issued at the post office. The company's services can be used in all points of Russia where there is a post office, and they are located even in villages with a small population. Each client can open a deposit in Post Bank, in the amount of 5 thousand to 100 million rubles. On the this moment 4 types of deposits have been developed for users.

Post Bank: deposits for individuals 2017. Interest on deposits.

Conditions for opening a deposit

In order to make a deposit, it is enough to contact any branch of the Post Bank. On the official portal there is a section "Addresses on the map", when choosing desired city the system displays a map that shows the addresses of all bank branches that you can contact. If an online application for a deposit through the Internet bank, then as a bonus to the client, 0.25% is added to the rate.

Basic requirements for clients:

• citizenship of the Russian Federation;
• the presence of permanent registration in the region where the deposit is opened.

To conclude an agreement with a bank, you will need to have with you the funds that the client wants to place on the account or it is allowed to transfer money by interbank transfer.

The required documents include a passport of the Russian Federation and a pension certificate (for pensioners).

At the moment, it is allowed to place money only in the national currency of the Russian Federation (rubles).

Types of deposits

The client can choose the parameters for the deposit on his own. The conditions of each product are adapted to a specific category of customers. For example, deposits with monthly interest capitalization are the most popular now. At the same time, the interest on these products is much less than when capitalization is made at the end of the contract period. Next, we present more full review each deposit of the proposed deposit of Post Bank.

Seasonal

This offer is only valid until June 30, 2017 inclusive. Pensioners who receive a pension on a savings account with Post Bank are entitled to a surcharge of 0.25% to the rate at the "Pension" tariff. You can replenish the deposit within 10 days from the date of its opening. When withdrawing funds, the money is transferred to the client's personal savings account.

Product Terms:

For example: if you place 100,000 rubles, then at a rate of 8.25% per annum, the income for the year will be 8295 rubles.

If necessary, the client can withdraw money at any time without waiting for the expiration of the contract. However, the rate for early withdrawal is reduced to 0.10%. The calculation is made based on the total period of placement of funds on the account. If less than 50,000 rubles are placed on the account, then the rate will also be reduced to 0.10%. At the end of the contract, an extension is possible.

Capital

The rate for this tariff depends on the period of placement and the amount of funds. For this tariff, surcharges of + 25% to the rate are also available when opening a deposit through the Internet bank, as well as for pensioners who have a savings account with Post Bank.

Product Terms:

Partial withdrawals are not allowed. In case of early termination of the contract, the rate is reduced to 0.10% per annum.

Profitable

Non-replenishable type of deposit, capitalization is made monthly. Surcharges to the rate in the form of 0.25% are charged under the same conditions as for other products (the conditions are described above).

Product Terms:

You can replenish the deposit within the first 10 days after the conclusion of the contract. Contract extension is possible. In case of early withdrawal of funds, the rate will be reduced to 0.10 per annum.

Cumulative

A replenishable type of deposit with the possibility of partial withdrawal of funds. The client can terminate the contract early and withdraw interest without reducing the rate. You can deposit and withdraw funds without restrictions. If the balance on the account is less than 5000 rubles, then the rate is reduced to 0.10% per annum. Surcharges +25% are valid, as for other tariffs.

Product Terms:

If you do not withdraw funds from the account during the term of the agreement, then the percentage, taking into account capitalization, can be increased to 7.71% per annum (for a deposit amount of 1,500,000 rubles).

Important! Post Bank's deposits are insured in accordance with Federal Law No. 177-FZ "On insurance of deposits of individuals in banks of the Russian Federation", so the return of funds is guaranteed by the state. Even if the bank goes bankrupt, the funds will be returned to depositors.