Analysis of the proposed deposits of Alfa-Bank

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

A large commercial bank in Russia "Alfa-Bank" offers a wide variety of products for individuals, including deposits. This article discusses all options, as well as compares the interest on Alfa-Bank deposits. In addition, it is written whether it is possible to replenish or withdraw part of the amount without closing the deposit.

Deposit "Victory"

Deposit in "Alfa-Bank", called "Victory", gives an income of up to 7.4% per annum. The interest rate depends on the selected service package, the category of cards used. The higher the level of customer service, the higher the interest rate on his deposit in Alfa-Bank. The minimum deposit amount is from 10,000 rubles, $500, €500. The duration of the deposit can vary from 92 days to three years. The deposit can be automatically extended.

It is also possible to choose the method of calculating interest: on a deposit with capitalization or without capitalization.

You can open a deposit at any bank branch orindependently in the Alfa-Mobile application, as well as through the personal account of the Alfa-Click Internet bank. The following are calculation examples. With a deposit of more than 10,000 rubles, when choosing the "Optimum" service package, the method of calculating interest with capitalization and the term of the deposit for 92 days, the client has the right to expect an income of 5.73% per annum. Under the same conditions, but the deposit amount from 300,000 rubles, the interest rate will be 5.83% per annum. Payment options are shown on the official website of Alfa-Bank.

Deposit "Premier+"

The peculiarity of this Alfa-Bank deposit is that the more money in the client's account, the higher the interest rate. Income can reach 6, 4% per annum. The duration of the deposit is from ninety-two to 365 days. As mentioned above, it is allowed to replenish the deposit. Opening is possible in the Alfa-Mobile mobile application or in the personal account of an individual in the Alfa-Click Internet bank, as well as in any distance of Alfa-Bank.

The deposit also has a number of conditions worth mentioning:

• The minimum deposit amount in rubles is 5,000 rubles, in dollars - $200, in euros - 200€;
• automatic renewal of the deposit is not possible;
• replenishment of the deposit is impossible if its completion occurs in 20 days.

Deposit "Potential+"

This contribution provides for an individual approach to the deadline. Income can reach 6, 1% per annum. The term of Alfa-Bank's "Potential+" deposit varies from 92 to 1095 days. An important advantage isthe possibility of both replenishing the amount and withdrawing without losing% within the amount up to the established limit of the minimum balance from the deposit without closing it. The minimum deposit amount in rubles is 5,000 rubles. Interest capitalization applies.

My goals savings service

This is a special account for saving a certain amount. The income for the amount is 1% per annum, as well as an additional 4% per annum when the planned amount is reached. Replenishment is allowed, as well as withdrawal of part of the funds without losing the accumulated interest. Additional interest is accrued only if the goal was replenished monthly by any amount, if the total accumulation period is at least 6 months, and the goal is reached within the specified period. Another important condition is the fact that the account must be opened in rubles.

You can open the target yourself in the personal account of Alfa-Click Internet Banking. Then you need to create a goal, supplement it with a motivating picture, indicate the amount and the time frame when you need to achieve this goal. The account must be constantly replenished.

For example, the goal is “Vacation with the family”, the required amount is 170 thousand rubles, the period is from April 28, 2018 to January 4, 2019. The personal account will display the amount of accumulation and the percentage of the goal achieved. For example, replenishment of an account for 80 thousand rubles will be 47% of the desired amount.

Calculation of yield is not an offer. Full conditions for deposits are published on the official websitebank.