Deposit "Pension": comparison of conditions in different banks

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

Banks offer a wide variety of financial services for people of retirement age. This includes consumer lending and income generation through making a deposit. Today we will consider the offers of commercial banks for pensioners, in which financial institution it is most profitable to make a deposit.

Home Credit Bank

The "Pension" deposit in "Home Credit Bank" is offered for registration for a period of 18 months. The interest rate on the deposit is 6.2% per annum. The initial payment should not be less than 1000 rubles. According to the terms of the deposit, the client has the opportunity to replenish in the first 90 days, while the amount should not be less than 1 thousand rubles. Further replenishment is not possible. The accrued % is paid at the end of the deposit term. Partial withdrawals are not possible. If the client wants to make an early withdrawal from the deposit account, the interest rate will be only 0, 01.

There is also a Pension Plus deposit. Its duration is 18 months. Down payment- from 1000 rubles. The deposit rate is 7.7% per annum. Replenishment is possible within the first 90 days of the deposit period, but not less than 1 thousand rubles. Partial withdrawal is not possible. It is important to note that both the "Pension" and "Pension Plus" deposits can be opened exclusively in rubles.

Opening Bank

For holders of the Otkritie Bank pension card, higher rates are offered on standard deposits. For example, "Nadezhny" opens for up to 6 months, the interest rate for pensioners will be up to 6.32% per annum. The deposit amount is from 50 thousand rubles. Replenishment and partial withdrawal is not possible. You can open both in rubles and in dollars.

Also, pensioners have access to the "Free Management" deposit, which allows them to receive an income of up to 5.41% per annum. Its term is calculated for a period of up to 2 years. The minimum amount to deposit is from 50 thousand rubles. Replenishment and partial withdrawal is possible.

It is worth noting that Binbank, which was merged with Otkritie Bank, offered customers a separate option for pensioners. The "Pension" deposit in "Binbank" made it possible to receive a fairly high income, but today this will be unavailable.

Deposits in Rosselkhozbank

This bank has two offers for pensioners. Namely: the contribution "Pension Plus", as well as "Pension income". Let us consider the first option in more detail, since it is more profitable for customers. What are the conditions for the Pension Plus deposit? The minimum investment of funds is from 500 rubles. Several deadlines are expected for registration: 395, 730and 1095 days. Possible extension. In addition, customers can replenish the deposit during the whole time, but not less than 1 ruble. Partial withdrawals are also allowed, but there must be at least RUB 500 in the account.

Let's take a closer look at the proposed interest rates. For a period of 395 days - 6.25%, for a period of 730 days - 6.45%, for 1095 days - 6.65%. No monthly interest withdrawals.

Deposit "Savings" in "Gazprombank"

The bank in question also offers several savings options for pensioners. The most profitable is the "Retirement Savings" deposit. Registration is available in several currencies. Replenishment of the financial account is not provided. The term of the deposit can vary from 91 days to 3 years. The minimum amount for investment is 15 thousand rubles or five hundred dollars or euros. It is not possible to replenish the account and partially withdraw savings without losing interest.

Interest rates for ruble deposits range from 5.8% to 6.2%. For dollar contracts - from 0.4% to 1.5%. The interest rate for deposits in euros is 0.01%. Interest accrual at the end of the deposit term or at the end of the year.

Millennium pension deposit from the Bank of Kazan

Deposit term - 367 days. The amount of the deposit can vary from 50 thousand rubles. Replenishment of the deposit is possible, but not later than 90 days before the end of the term. You can replenish the deposit in the amount of 1 thousand rubles. Interest rate - 5, 25% per annum. Payment of % at the end of the term of the deposit. In case of early withdrawal of the amount of the minimum balance, the interest is recalculated and paid at the rate of the “On Demand” deposit. An account can be opened both at a bank branch and through your personal Internet banking account.

Deposits from Sberbank

The largest commercial Russian bank also did not leave pensioners without attention. First of all, let's take a closer look at the "Pension Plus" deposit. It is designed for retirement income. Deposit term: 3 years. The minimum amount of the minimum balance on the financial account is 1 ruble. The deposit can be replenished, in addition, partial withdrawal is possible. The annual rate is 3.5%. Interest is calculated every 3 months. It is important to note that the accrued % is added to the principal amount and increases the income of the depositor in the following periods.

To make a deposit, a pensioner should contact any branch of Sberbank, providing an identity document. The account is opened after the conclusion of the contract. Then you need to pay the initial amount. You can keep track of interest accruals in your Sberbank Online account.

Also, pensioners are offered special conditions when making deposits such as "Save" and "Replenish". For example, consider the interest rates at the "Top up" tariff for pensioners. With a term of 3 to 6 months, the interest rate will be from 4.6% to 4.62% per annum. For a period of 6 to 12 months, the interest rate is from 4.7% to 4.75% per annum. When making a deposit in dollars: for a period of up to six monthsthe interest rate is 0.55% per annum, with a term of up to a year - 1.25% per annum. The deposit amount can start from a value of 1 thousand rubles (or from 100 dollars).

What special conditions can pensioners get by making a "Save" deposit at Sberbank? At the conclusion of the contract for up to 2 months - 4, 35% per annum. As the period increases, so does the interest rate. For example, with a deposit term of 3 years - up to 5.65% per annum.

When choosing which deposit to make, pensioners should pay attention not only to the interest rate, but also to the term, as well as the possibility of replenishing and withdrawing funds during the term of the deposit. For example, if a pensioner wants to deposit a one-time amount for a year and subsequently receive income, he must choose one tariff, but if you want to save and sometimes still withdraw part of the amount, pay attention to other offers. It is also important to clarify the possibility of prolonging the contract.