Deposits for pensioners: which banks offer favorable interest rates?

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

Pensioners are a special category of contributors. Most of them have household savings. Understanding this, banks offer deposits for pensioners with favorable interest rates. Bankers make it possible for people to understand that it is better to keep funds not at home under the pillow, but in a bank account.

Why is it better to keep money in the bank?

Pensioners are quite gullible people who can often let strangers into their apartment. Those who want to rob a pensioner know where he most often has money and pose as employees of a pension fund or a charitable organization. The visual purpose of their visit is to provide some assistance to the pensioner, but in reality, after the visit, the latter lose money. Not every pensioner reports such cases to the police, and it is quite difficult to find such "benefactors" then, because they change their clothes and appearance (hair color, wear dark glasses, etc.). Keeping money in a bank is much more reliable than at home, in addition, the funds can be in safe hands and bring income to the client. That is why many financial institutions offer deposits for pensioners with favorable interest rates.

"Binbank": deposits for pensioners

This financial institution offers great investment options for its retirement age clients to save money and earn extra money.

The "Maximum Percentage" deposit, although not envisaged by the product developers as purely pension, will be of interest to this category of citizens as well. The minimum deposit amount is 10 thousand rubles. The interest rate varies depending on the term and amount of the deposit. For example, when making a deposit for a period of 31 to 90 days, the rate of return with an increase in the amount will increase from 6.2% to 6.5% per annum. If you conclude a contract for a period of 91 to 180 days, you can make a profit in the amount of 9.7 to 10% per annum. It is possible to open a deposit for a period of 6 to 12 months. In this case, the rate of return will range from 9.95 to 10.25%. The maximum term of the deposit is 1095 days.

Deposits for pensioners in "Binbank" - it's profitable! Deposit program "Decent Pension" - an opportunity to invest in several currencies. A deposit in rubles can be opened for a period of 181 to 365 days (9.25%), from 366 to 729 (8.35%) and up to 1095 days (7.50%). The deposit can be opened in dollars. The rate of return on a deposit with a term of 181 to 365 days is 2.2%. If you open a deposit for a longer period (for example, from 366 to 729 days), then the yield will increase slightly and amount to 2.65%. Interest rate on a dollar deposit for a period of 730 to 1095days - 1.95%. The deposit is also valid in euros.

"Bank of Moscow": offers for pensioners

This bank offers deposit programs for people of retirement age exclusively in national currency. For example, the terms of the deposit "Maximum income" are as follows:

• minimum deposit amount - 1000 rubles;
• term of the contract - at the choice of the client (from 91 to 1095 days);
• interest rate on deposit - 9% per annum.

Deposits for pensioners in the "Bank of Moscow" - it's very profitable! The Bank has also developed a program of passive earnings of additional funds "Maximum Growth". The term of the deposit and the minimum amount are the same as in the above described deposit. Interest rate - 8, 68%. "Bank of Moscow" offers its customers "Savings Account", which is valid indefinitely. Pensioners can deposit and withdraw money without restrictions, while receiving 5% per annum as income. Also, the bank's specialists have developed a program called "Current Pension". The amount of the deposit and the term of placement depends only on the desire of the pensioner, and the income will be 4% per annum.

Deposits for pensioners in other banks

Many Russian banks have developed special deposits for clients of retirement age. For example, "Sberbank of Russia" offers a "Replenish" deposit. The minimum deposit amount is 1000 rubles. The interest rate on the investment is 8% per annum. money canplace for up to 3 years. The profitability of the deposit can gradually grow. The "Save" deposit can also be issued at this financial institution. At a rate of 9.07% per annum, pensioners can place money for a favorable period.

Rosselkhozbank also works with pensioners. Elderly people can also increase their cash reserves by cooperating with this bank. "Rosselkhozbank" offers profitable deposits for pensioners with maximum interest. The "Pension Plus" deposit provides for the possibility of replenishment, and the minimum amount of the first deposit is 500 rubles. The interest rate will suit all clients, because Rosselkhozbank provides its clients with the opportunity to earn 9% per annum when opening a deposit for 1 year and 8% when placing a deposit for 2 years.

Deposits for retirees are a profitable way to save money in a safe place and a good opportunity to earn additional income.