Bank "Russian Standard": deposits for individuals: conditions, rates

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Bank "Russian Standard" is perhaps an organization that is on everyone's lips. At the beginning of the 2000s, the bank gained wide popularity in many cities of Russia. Not always reviews of his work were positive. However, this is due to the fact that Russian Standard was one of the first to focus on mass consumer lending, which in a short time expanded its customer base to six-digit numbers.

About the bank

Today, the bank continues to develop and expand its capabilities. At the moment, 9 full-fledged branches and more than 270 representative offices throughout the country are engaged in customer service. In addition, the bank has agreements with thousands of retail outlets that offer Russian Standard retail products to customers. Also, the bank not only lends, but also accepts funds as deposits. It's about deposits.and will be discussed in our article.

Basic terms of deposits

Deposits offered by Russian Standard Bank for individuals have one of the most favorable terms on the market.

Thus, the "Maximum income" deposit allows you to receive up to 10 percent per annum. And this rate is fixed. Many banks in the conditions of the deposit assume a change in interest and conditions in different periods. Thus, in the first few months, the maximum interest on the deposit is accrued, and it is these figures that are voiced by advertising to attract customers. After this period, the rate decreases, and by the end it can even be reduced by a third, in contrast to the terms of Russian Standard deposits.

Thus, the average deposit rate for the entire term is much less than it was originally stated and what the client had hoped for. Russian Standard Bank offers a transparent and understandable system of deposits without pitfalls. To make a contribution, you do not need long and complicated calculations of benefits and future profits.

Multiple programs

Russian Standard deposits include several types that involve a number of different options, including partial withdrawal, replenishment, monthly or quarterly interest payments, opening a foreign currency deposit in dollars or euros, etc.

All deposits are insured, which ensures the safety of invested money. At the moment, the bank's client base on deposits is more than half a million people.

In Russian Standard Bank, deposits for pensioners are validunder a special savings program. One of its main advantages is the affordable value of the down payment in the amount of 10,000 rubles.

Next, consider each deposit program separately.

Maximum income

The maximum deposit rate in Russian Standard is, as mentioned above, 10 percent. You can get it by investing from 10 thousand rubles, for a period of one year. The assigned percentage depends on the deposit amount and currency. It is allowed to open a deposit in dollars, euros and rubles at the discretion of the client.

A high rate of 10 percent is assigned only in case of opening a deposit via Internet banking. If you open a deposit in the office, the interest rate will be lower by half a percent per annum. Withdrawing a deposit, even partially, as well as replenishing it, is not allowed.

All accrued interest is paid at the end of the deposit period. One of the pleasant moments of opening a deposit in the considered financial institution is the MasterCard Worldwide card when concluding an agreement as a gift.

The disadvantage of the deposit is a large amount for opening a Russian Standard currency deposit, which starts from 5 thousand. While even a pensioner with a very modest income can open a deposit in rubles. The term of the deposit starts from three months to two years. Euro deposits can be made for a period of six months to two years.

Refillable

This program of Russian Standard Bank will certainly be beneficial to those whogradually saves money for large purchases in small amounts. At the same time, in addition to savings, there is also an increase in the form of interest.

The rate under this program is slightly lower than in the "Maximum income", and is equal to 9.5%. You can count on such a percentage with a deposit of 30 thousand rubles for a period of one year. The opening amount of this Russian Standard deposit is 30 thousand rubles or 5000 dollars or euros.

The term of the deposit can be equal to six months or a year, which will also affect the interest rate. All accumulated savings, including interest, are paid out upon expiration of the deposit. The method of opening this deposit does not matter. You can open on the same terms and through a personal account on the bank's website, and by visiting a branch of the company. This will not change the bet.

Comfortable

This deposit offers convenient conditions for those who plan to both replenish this type of Russian Standard bank deposit and partially withdraw funds. This is especially true during a crisis, when unforeseen events can occur, such as job cuts. The ability to withdraw part of the money from the deposit in such a situation would be most welcome.

You can open a deposit under the program both through the bank online and in a branch when you contact in person. The currency can be chosen in any convenient option: in euros, dollars and rubles. However, it should be taken into account that the minimum deposit amount in foreign currency is 10 thousand. Of course, such a large amount is available for deposit onlylarge entrepreneurs.

In rubles, the minimum amount is much more democratic and is equal to 30 thousand rubles. The deposit can be made for a period of three months to a year. The deposit rate depends on the currency, the term and the balance, which cannot be cashed out before the expiration of the deposit. Interest is paid at the end of the period.

Rentier

There is a category of citizens who live on interest received from deposits. Although they are few, they do exist. Moreover, this trend is gradually gaining momentum.

Some people prefer higher risk and invest in "pamm-accounts" and "Forex". However, the risk of losing the invested funds is extremely high. Therefore, many still trust only deposits, opening deposit accounts in banks. The risk in this case is minimal, since the deposits are insured.

If a client has a large amount of money with which he expects to receive monthly income, then the Rentier deposit is what you need. Having invested his money under this program, the client receives a monthly payment. This is especially true in times of unstable economic situation in the country.

The deposit rate is 8.5 percent per year, which is a good indicator for such a program. Naturally, the amount of the contribution must be more than decent, so that it is enough for a comfortable existence. This deposit of the bank "Russian Standard" suggests the possibility of replenishing the account.

The minimum possible contribution for thisprogram is 30 thousand rubles. Currency deposit starts from 5 thousand. The agreement provides for the transfer of interest received back to the deposit account, that is, the capitalization of the deposit. One of the advantages of this program is receiving a VIP client card as a gift.

For more information about the range of services, loans of various types, tariffs, deposits, Russian Standard cards, please contact one of the bank branches, the official website or call the hotline.