Currency deposits in Belarusian banks for individuals

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

In today's world, everyone is trying to make money by any means available. However, even with a well-paid job, it is not always possible to pamper yourself. While some people are sitting at home and puzzling over how to get more profit, others make standard or foreign currency deposits in Belarusian banks. Reviews about this type of passive income are mostly positive, since in this case, the clients of a financial organization do not need to do anything, it is enough to put a certain amount of money on a deposit and receive a monthly profit. In this case (if such conditions are provided), a citizen can replenish the balance of the deposit after the conclusion of the contract. Accordingly, the more money is deposited into the account, the more a person receives passive income. That is why this practice has long been popular in Europe and the United States.

As practice shows, most people in the old fashioned way prefer to save money in foreign currency. This is not surprising, because in this case you can not only save a lot, but also make a profit depending on the exchange rate changes. That is why foreign exchange is so popular today.deposits in Belarusian banks. Belarusbank has been offering such services to customers for many years. Thanks to favorable conditions, the possibility of monthly account replenishment and other bonuses, this financial institution received the highest ratings in the ratings. Consider the most popular tariff offers from Belarusbank.

Prestige

Those who are looking for foreign currency deposits in Belarusian banks with a fixed rate should pay attention to this interesting offer. When opening a deposit, a client can deposit a sum of money into the account in US dollars, Russian rubles or euros. In this case, the rate will be 3%. There are no restrictions on the minimum contribution amount. In addition, after 3 months of using the deposit, the client can extend the contract. It is also possible to replenish the deposit. If we talk about payments and capitalization, then they are made monthly.

Your Choice

This type of deposit in "Belarusbank" is considered the most profitable for those who can deposit more than 15 thousand US dollars or euros on an open deposit. In this case, the benefit will be 5% monthly. If the client deposits from 2 to 15 thousand, then the rate will still be more profitable (4.5%) than when using the Prestige tariff.

In addition, speaking about the most profitable foreign currency deposits in Belarusian banks, you should pay attention to this offer, as customers receive an additional premium income of 0.5% annually.

Classic plus

Another interesting offer from Belarusbank for those who prefer to keep funds in US dollars orEuro. When making a "Classic Plus" deposit for 18 months, the client gets the opportunity to deposit funds. Interest payments are made monthly. The only minor disadvantage is that additional funds can only be deposited after 3 months.

At the same time, considering the most profitable foreign currency deposits in Belarusian banks for individuals in this financial institution, you should pay attention to the bonus in the form of 0.6% annual premium and the possibility of prolonging the transaction. Interest earned can be transferred to your account or received in cash.

On demand

This type of deposit is one of the best foreign currency deposits in the banks of Belarus, since in this case the client can make any operations with the account without restrictions from the financial institution. This is especially beneficial if you plan to keep money for a long time. By the way, there are also no restrictions on the period for which the deposit is opened. Thus, you can get the maximum benefit.

According to the conditions of the bank, deposits of US dollars (at least 1 USD) and euros (minimum deposit of 5 EUR) are allowed.

To be fair, it should be noted that the residents of the country are interested not only in foreign currency deposits in Belarusian banks. Some citizens still prefer the national currency. In this case, you should pay attention to other offers of Belarusbank.

Priority

Afraid of sudden jumpsdollar exchange rate, some are afraid to open foreign currency deposits in Belarusian banks. Profitable deposits in Belarusian rubles in this case are more stable and profitable. When opening a deposit, the client will be sure that after the expiration of the term of its use, he will receive his savings in full, including additional income in the form of accumulative interest.

In order to start receiving such income, you need to deposit at least 100 Belarusian rubles. After that, during the first month, you can replenish your account and get even more profit. Payments are made on the last day of the period specified in the contract.

Savings

This is another option for those who trust the national currency more. In this case, a longer period of savings is provided (up to 3 years). At the same time, regardless of the economic situation and the state of the exchange rate, the client will not lose his income.

If we talk about the interest rate, then by making this deposit, the client receives 25% monthly and 18% as an annual bonus. The minimum deposit amount is 10 Belarusian rubles.

Returning to the topic of the best foreign currency deposits in Belarusian banks, it is worth highlighting a few more financial institutions that offer quite favorable conditions. For example, in "Belagroprombank" you can choose from several options for such deposits.

Standard

When making this deposit, it is allowed to make Belarusian rubles, US dollars andeuros (at least 50), Russian rubles (minimum contribution 3 thousand). The main disadvantage of this deposit is the impossibility of withdrawing funds before the expiration of the contract.

The interest rate in this case can be fixed or variable. In the first case, the maximum 7% can be obtained with a deposit in Belarusian rubles. If US dollars are deposited, then the benefit will be 1.8% maximum. When registering a variable rate, the income will be up to 6% in national currency and 1.3% if USD was deposited into the account.

25 years together

This is another offer from Belagroprombank. In this case, speaking of interest on foreign currency deposits in Belarusian banks, the benefit will be 0.3% per annum if the client has deposited US dollars or euros into the account. The storage of Russian rubles is also allowed. In this case, the income will be equal to 3.5%. If we talk about the minimum contribution, then it is at least 100 US dollars or euros and 5 thousand Russian rubles. At the same time, funds can be kept in the bank for up to 370 days. For the first 95 days, the interest rate will be fixed, and starting from the 96th day, it will be calculated on an individual basis, depending on the amount of the deposit and the term of its maintenance.

Payouts are made every ten days.

Growth line

This deposit from "Belagroprombank" is also considered the most profitable, according to customers. Among the advantages, many noted flexible terms of keeping funds from 35 to 280 days. At the same time, you can contribute tomoney account not only in national currency, but also in US dollars and euros (at least 10).

When compared with other foreign currency deposits in Belarusian banks, it is worth noting that in this case the interest rate can only be variable. For some customers, this is more profitable, since in this case you can get more profit. By the way, the client receives the maximum income if he deposits Russian rubles into the account for a period of 280 days. In this case, the income on payment will be 4%. If US dollars or euros were deposited, then the benefit will be 0.6% for a period of 280 days.

Accruals are made monthly.

Also, in search of the most profitable foreign currency deposits in Belarusian banks, you should pay attention to other financial institutions and their offers.

Great plus

This offer from Belinvestbank may be of interest to people who plan to receive passive income from their money. This tariff involves the introduction of Russian rubles for a period of up to 3 months. In this case, the depositor does not have the right to claim funds before the expiration of the concluded agreement. If all the terms of the transaction are met correctly, then for the first month of using the deposit you can get 0.1% profit, for the second - 1.1%, for the third - 1.6%. It is noteworthy that when using the bank's services online, the amount of funds received increases to 2.1% for the 3rd month.

Among the main conditions, it is worth highlighting the minimum thresholddown payment. It is 5 Bel. rubles. At the same time, at any time, the client can replenish the deposit and get a big profit. Interest payments are calculated monthly and can be transferred to the user's account.

Progressive

From a wide variety of foreign currency deposits in Belarusian banks, it is also worth highlighting this tariff from MMBank. This financial institution operates mainly online, so the client can carry out all operations independently without leaving home. This is very beneficial for those who live far from major cities.

If we talk about the features of this deposit, then first of all you should pay attention to the flexible retention period of savings, which the client can adjust for himself. The period of keeping funds is from 3 to 24 months. It is allowed to deposit both national and foreign currencies (US dollars and euros).

From the main advantages of such a deposit, many noted flexible conditions for early termination of the concluded contract. In this case, you do not have to fear the recalculation of interest. However, there are no restrictions on how to make additional contributions throughout the period of holding funds.

Depending on the preferences of the depositor, he can choose monthly payments or income capitalization.

However, it is worth noting the possibility of concluding a contract for a new period. If the national currency is deposited on the deposit, then prolongation is not provided. When depositing US dollars oreuro customer has the right to conclude a new contract. Its validity period will be the same as when the client first applied to the bank. At the same time, the interest rate remains the same.

Deposit calculator

Regardless of what currency deposit in the bank of Belarus was chosen, it is worth carefully studying the terms of the transaction. In order to greatly simplify the life of depositors, all self-respecting financial institutions offer a special online calculator, which can be found on the official website of the institution. Thanks to this service, a person can see what exactly his real passive income will be. In addition, using this free application, you can choose the most favorable conditions.

However, it should be borne in mind that the terms of deposits are constantly changing, so before opening a deposit, it is recommended to consult with a representative of a financial institution. Most of the offers do not involve withdrawal of funds before the end of the period of their storage. This can cause additional problems if the client has deposited all the funds available to him.

Separately, it is worth checking with an employee of a financial institution what conditions are provided for when terminating the contract. In some banks, this does not affect the interest rate in any way. However, there are institutions in which this procedure is associated with rather impressive losses of funds on the part of the client.

In closing

For a long time, the people of Belarus preferreddeposits in US dollars. A little later, the situation changed a little, and the leading position was taken by the euro. However, today, when deciding in which foreign currency to keep money, many Belarusians prefer Russian rubles. This is explained not only by the stability of the currency, but also by the fact that a huge number of Russian banks operate in Belarus, which are interested in the circulation of this particular currency. Thanks to this, financial institutions seek to interest more customers with the most favorable conditions, promotions and bonuses.

If you are not too lazy and study all the offers of banks, you can start investing money and get quite good interest for their storage. Thanks to this, some people do not need a job at all, as they receive monthly interest on deposits.