2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
A wide variety of Otkritie bank deposits for individuals allows customers to choose the most optimal investment option. Consider interest rates on deposits, whether it is possible to replenish or withdraw some part of the funds, and also how to increase income by issuing an investment product along with a deposit. A wide variety of deposits allows each client to choose the optimal conditions that suit his request.
Open deposit
The deposit of Otkritie bank called Open has the highest percentage of profitability among the entire line of bank deposits. The interest rate can reach 9.2% per annum. Replenishment and partial withdrawal of the amount is not possible. Interest is paid either every month or at the very end of the term.
Let's give an example of the calculation of this deposit of the bank "Opening". The client wants to deposit 100 thousand rubles for twenty-four months. The interest rate will be set at 5.7% per annum. The income on the deposit will be 11,400 rubles.
When making an investment product, the clientcan count on a higher interest rate.
Premium deposit
The maximum interest rate on the deposit of Otkritie Bank is 6.9% per annum. Replenishment and partial withdrawal of funds is not provided. Interest is paid only at the end of the term of the deposit.
Deposit "Basic Income"
The deposit of Otkritie Bank called "Basic Income" provides for an interest rate of up to 6.8% per annum. It is impossible to replenish the deposit, and partial withdrawal of funds is also not provided. Interest is paid monthly. Monthly capitalization of interest or monthly payment in a way convenient for the client: to a current account, to a “demand” account, to a debit card. It is also worth noting that the deposit of FC Otkritie bank can be opened in favor of a third party.
Let's consider interest rates depending on the availability of capitalization, the amount of the deposit and its duration. For example, a client is going to open a deposit in the amount of 750 thousand rubles for a period of 367 days, in this case, the interest rate without capitalization will be 6.5% per annum and with a capitalization of 6.7% per annum. Second case: the client plans to open a deposit in the amount of $ 3,000 for a period of 181 days, the interest rate in this case will be at the level of 0.6% per annum.
My piggy bank deposit
The deposit of Otkritie Bank called "My piggy bank" is the only product in this line that allows replenishment and partial withdrawal of funds from the account. Interest is paid monthly. The maximum interest rate on a deposit can reach 5% per annum.
The minimum amount to open a deposit is 10 thousand rubles. The term of the account is indefinite. The deposit can be opened both in rubles and in dollars or euros. My piggy bank account is insured by the state deposit insurance system.
If the amount on the account is less than 10 thousand rubles, the interest rate will be equal to 0.10% per annum, if the amount is over 10 thousand rubles, the interest rate will be set at 5% per annum. When opening an account in dollars, the interest rate will be set at 0.10% per annum. When opening an account in euros, the interest rate will be set at 0.01% per annum.
The "My piggy bank" deposit can be opened in the personal account of the Internet bank, through the mobile application or in any branch of the "Opening" bank. It should be noted that opening an account for a deposit of Otkritie Bank called "My piggy bank" in favor of a third party is available only when applying at a bank branch.
Free Governance Contribution
Deposit that gives the client the opportunity to replenish and partially withdraw funds. When making a deposit through the Internet bank, an increased rate is charged on the deposit.
The minimum amount when opening a deposit in a bank branch is 50 thousand rubles or 1000 dollars, when opening in the Internet bank - 100 thousand rubles or three thousand dollars. There is a monthly capitalization of interest. Income can be withdrawn to a bank card, personal current account or up todemand. Deposit term - from three months to 730 days.
For example, with a minimum balance on a deposit equal to 780 thousand rubles, and a deposit term of 367 days, the interest rate will be equal to 5.65% per annum, taking into account interest capitalization and 5.51% per annum without capitalization. With a minimum balance of $3,500 and a deposit term of 367 days, the interest rate will be 0.45% per annum.
Full conditions for deposits should be checked with the employees of Otkritie Bank, in addition, they are published on the official website of the organization. All calculations shown are approximate.
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