Bank "Uniastrum": deposits for individuals

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

In 1994, the commercial Russian bank Uniastrum was established. Deposits are the main product they offer. But the organization is also engaged in the production of plastic cards, consumer lending, deposits, foreign exchange operations, Unistream money transfers, etc. To date, Uniastrum ranks 63 out of 600 in the rating of Russian banks. The amount of its assets is more than 108 billion rubles. But what I would like to talk about in more detail is the contributions.

Perspective

This is the name of the tariff with which I would like to start. You can open it in rubles, dollars and euros - for 91, 181, 271 and 370 days. You need to invest at least Rs 10,000. Or 150 $/€. The maximum is not limited. Interest is calculated at the end of each month or at the end of the term (all at once). The depositor can also choose where they will come to him - to the current account or to the card. It is better to immediately deposit a large amount, since the replenishment function is not provided.

So, what interest canto offer Bank "Uniastrum"? Deposits under the tariff "Perspective" are very profitable. It is best to make a short-term investment - for 91 days, and in rubles. Then the rate will be 8.75% per annum. If, for example, invest 1,000,000 rubles, then after 91 days the client will receive 21,875 rubles of profit. In dollars, the most favorable term is 370 days. As in the euro. The rate is 1.5% and 1.3% respectively.

Universal

This is another advantageous tariff offered by Uniastrum Bank. The deposits "Anniversary", "Affordable" and "High Interest", which need to be extended, often serve as the basis for opening the "Universal". The term is 91, 181, 271 days and exactly 1 year. The amount can be from 20 tr. up to 20 million rubles. Or from $1,000 to $500,000. If you want to invest in euros, then the range will be the same. Replenishment, by the way, is provided. But only within the maximum amount.

For ruble deposits, the most favorable interest is again set for a 91-day period - 8.25% per annum. If you want to make an investment in dollars or euros, then you need to draw up everything for a year. The rates are 1.5% and 1.3% per annum respectively. Interest is transferred to the account every month.

Progress

Another tariff offered by Uniastrum Bank to its customers. Deposits of this type are also accepted in rubles, dollars and euros - for terms similar to those mentioned above. The minimum amount is 10,000 rubles, and the maximum is not limited. Interest is calculated on the first day of each new month and at the end of the term. If athis option does not suit you, you can ask to pay the profit one time - at the very end.

Recharges are provided. There are no time limits. But the replenishment of the account must be carried out by at least 1000 rubles. If a person "forgot" that he has a deposit, then it is automatically extended for the same period for which it was opened.

Interests are slightly lower than in the previously mentioned cases. Uniastrum-Bank offers different deposits - all of them have their own advantages, which are accompanied by certain nuances. In this case, it's just a bet. 7.75% per annum for ruble deposits for a period of 91 days. If you open it for 370 days, then the interest will be reduced to 7%.

Independence

It is worth saying a few words about this tariff offered by Uniastrum-Bank. Deposits have their own characteristics, and "Independent" is no exception. In its name, in fact, lies what distinguishes it from the rest. But first, some general information.

It only opens for 370 days, with a minimum amount of 10,000 rubles and an unlimited maximum. Interest payments - monthly, on the card. They are also included in the amount of the deposit (capitalized). Replenishment is possible, besides, there are no restrictions on the frequency and amount (with the exception of the last 30 days of the term). But a person must at least deposit 1,000 rubles “from above” into the account.

Revocation of the deposit is also possible. There are no restrictions on frequency. The most important thing is to keep the minimum deposit amount on the account. Prolongation is automatic, for 370 days. The rate is 7.25% per annum (rubles), 1% (dollars) and 0.8% (euros).

Anniversary

And this organization offers such a tariff. Uniastrum-Bank made the Yubileiny deposit very profitable. 9.5% per annum when opened for a year! The amount can vary from 20,000 (this is the minimum) to 20,000,000 rubles. Interest is calculated monthly. In addition, they are capitalized. Which is very good. For example, if a person has invested a maximum (20 million), then every month 158,333 rubles will be added to his contribution

Replenishment, by the way, is provided. But within the stated maximum. Also, it will not be possible to replenish the deposit in the last 60 days of the term.

Recall of part of the amount is possible. The main thing is that the established minimum (20,000 r) is kept on the account. And early termination of the contract is also provided. But if such a need arises, a person will lose a considerable amount. I mean percentages. Instead of paying 9.5% per annum, he will receive only 6.33%.

If we compare deposits in "Uniastrum-Bank" for individuals, then "Jubilee" in all fairness will be the best and most convenient in terms of conditions.

What else is worth knowing

It is important to pay attention to the fact that Uniastrum participates in the system of compulsory deposit insurance, which cannot but inspire confidence.

To open a deposit, you need to prepare some documents. You need an original and a copy.passports. Also, instead of it, you can present a general civil "foreign". Or a sailor's passport, who is. A military ID or service ID will also work.

In addition, you will need a copy of the TIN certificate, which must be certified in advance by a notary. But you can do without it, and just present the original along with it.

Anyone over the age of 14 can open a deposit on their own. But with the presentation of all of the above documents. And, by the way, the number of deposits opened by a person is not limited. There can be any number of them. You can verify this by contacting Uniastrum-Bank.

Reviews on deposits are mostly positive. The interest rate does not change during the entire period, payments are not delayed, the conditions are transparent. When opening a deposit, even citizenship and registration do not matter: everything is for the comfort of customers. And this is the main reason for trust.