We figure out whether deposits in the Moscow Industrial Bank are profitable

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

A large range of deposits in the Moscow Industrial Bank allows each client to choose the most suitable one that meets his criteria. For example, with a maximum interest rate or with the ability to replenish the deposit amount or partially withdraw the deposit amount or accrued interest.

Contribution "Classic"

The deposit of the Moscow Industrial Bank "Classic" has the highest interest rate in the line of this financial institution. The validity period is 365 days. The accrued % on the deposit is paid at the end of the term.

Let's consider the proposed interest rates depending on the amount and currency of the deposit. With an amount of 30,000 rubles or more, the rate is equal to 6.25% per annum and 6.5% per annum for pensioners and veterans. With an amount over 1.5 million - 6.5% per annum and 6.75% per annum for pensioners and veterans. For amounts over $1,000, the interest rate is 2.25% per annum. With an amount over 1 thousand euros - 0,25% per annum.

From additional options available:

• SMS alert;
• automatic transfer of interest on the specified details;
• power of attorney on deposit.

Additional options can be connected just before opening.

Cumulative deposit

Deposit in the Moscow Industrial Bank called "Accumulative" has a term of 31 to 730 days. For products older than 51 days, there is a refill option. Interest on the deposit in question is calculated every month and added to the balance of the deposit (with capitalization). All accrued % can be withdrawn, it is also possible to transfer interest to the specified details in whole or in part.

Let's consider the variability of interest on the deposit of the Moscow Industrial Bank depending on the currency, amount and term. If the amount is over one hundred thousand rubles, the term of the contract is from 181 days to 1 year, then the rate will be equal to the value of 6.25% per annum. With the same term, but the amount of more than 1.5 million rubles, the interest rate will be 6.75% per annum. This is the maximum possible rate on the "Accumulative" deposit in the Moscow Industrial Bank.

Financial independence contribution

This product can only be opened to the client within the Fin. independence” in the Platinum version and “Fin. independence in the Black Edition version. At the same time, when opening a deposit, this package is provided free of charge. During the period, partial replenishment and partial withdrawal of any amount is possible. ContributionMoscow Industrial Bank for individuals is opened for any period in the range from 1 year to 730 days. It is worth noting that interest on the product in question is accrued every subsequent month and is added to the balance. The interest received can be withdrawn ahead of schedule, both partially and completely, without closing the main deposit.

Deposit rates have one or another value depending on the size of the permanent balance. For example, with a minimum deposit amount of 700 thousand rubles, the rate will be set at 6.25% per annum.

Deposit "Universal Wallet"

Ideal for those clients who are used to saving, and at the same time have the opportunity to spend and use funds and accrued interest. In other words, you can both replenish the deposit amount, and partially withdraw, as well as withdraw the accrued interest. Income on the deposit is accrued every 30 days and is added to the balance. The duration of a deposit with the Moscow Industrial Bank can vary from 91 to 730 days.

If the amount of the minimum balance is more than 100 thousand rubles and the term of the deposit is more than 181 days, the interest rate is set at 5.75% per annum. With the same term, but the amount of the minimum balance of 1.5 million rubles, the rate is set at 6%. But if the amount is over 1.5 million rubles, and the deposit term exceeds one year, the interest rate will drop to 5.5% per annum.

If the minimum balance is over $3,000 and for a period of 91 days to one year, the interest rate offered by the bank will be set at 0.75% per annum. For the same amount, but a term of more than 181 days, the interest rate will increase to 1%.

Deposits can be opened both in the personal account of the Internet banking of the Moscow Industrial Bank, and in any branch. It is important to have your passport with you. All presented calculations are approximate and are not a public offer. Detailed conditions for deposits are published on the official website of the bank, in addition, detailed conditions can be clarified at any branch of the Moscow Industrial Bank.