Deposit of Russian Capital Plus in Sotsinvestbank, rubles (RUB). Deposit Russian Capital Plus in Sotsinvestbank, rubles (RUB) Pros and cons

Features and limitations of the Russian Capital Plus deposit

Preferential termination: In case of early withdrawal of the deposit, income is maintained at a special interest rate.

Auto renewal: At the end of the deposit period, the deposit is automatically extended for the next term.

If during the deposit period, as a result of accumulation, the deposit amount moves into an amount range different from that to which the deposit was assigned when it was initially accepted by the Bank, interest rate for the deposit is set at a level corresponding to the new amount range.

Acceptance of additional contributions stops: - for deposits for a period of 91, 181 days or 395 days - 30 calendar days before the expiration of the deposit; - for deposits for a period of 540 days - 45 calendar days before the expiration of the deposit; - for deposits for a period of 750 days - 60 calendar days before the expiration of the deposit; - for deposits for a period of 1100 days - 90 calendar days before the expiration of the deposit.

The agreement is extended for the same period if the depositor does not claim the deposit amount upon expiration of its term. The deposit is renewed on the terms and with the interest rate in effect for the Russian Capital Plus deposit at the time of renewal of the agreement. The contract can be extended an unlimited number of times. The agreement will not be renewed if the bank does not have a “Russian Capital Plus” deposit at the time of its expiration. In this case, upon expiration of the deposit period, the agreement is considered terminated, and the balance Money in the deposit account is transferred to the depositor's current account.

In case of early withdrawal of the deposit amount, the interest paid to the depositor for the previous months of the current deposit period is subject to recalculation, and the difference between the paid and payable amount of interest is reimbursed by the depositor from the deposit amount or from his own funds at the time of return of the deposit amount. The condition for capitalization of interest in case of early withdrawal of the deposit during the current period does not apply. In case of early withdrawal of the deposit amount, interest on it is paid on the return date for the actual period of funds being in the deposit account.

Correct bank deposits solve two problems at once: allow banks to offer profitable loans, and clients receive additional passive income. If the client’s choice of deposit is made correctly, the question loses its relevance. In addition, being one of the most reliable ways of investing, bank deposits ensure the safety of funds and, in most cases, are additionally insured. For example, everyone is insured.

Advice: Before opening any deposit, you should make sure that it is insured, which is very important in conditions of financial instability.

Russian Capital Bank - deposits for individuals in 2017

"Easy choice"

The “Easy Choice” deposit is opened for a period from 181 to 750 days, as well as, in three currencies: rubles (from 10 thousand), dollars (from 300) and euros (from 300). In this case, the interest rate will depend not only on the chosen term, but also on the actual amount invested: 4.9-6.8% (rubles), 0.15-0.5% (dollars), 0.01-0. 3%(euros). It is allowed to replenish the account by depositing additional funds and expense transactions (up to the minimum balance). Interest is paid monthly (with capitalization at the request of the investor). In case of early termination, the tariff rate “On demand” applies.

"Poste restante"

Deposit "On demand" for individuals in 2017 does not imply any restrictions on the down payment, replenishment, or expense transactions. The periods for investing funds are also not established. For any of the three currencies (rubles, dollars and euros) the interest rate will be 0.01% per annum. Payments are made monthly to the current account.

How to open a deposit in Russian Capital Bank?

Russian Capital Bank is one of the forty largest institutions with a list of services for all categories of individuals.

The bank was founded in 1993, and in 2009 the federal corporation “Deposit Insurance Agency” became the main and sole shareholder of the structure, so the institution ensures the guaranteed safety of customer deposits in any economic situation in the country.

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As of 2020, the branch network includes 135 branches represented in 28 regions of Russia. For the convenience of clients, there is an Internet banking and remote service system.

Russian Capital is a bank in the top reliability rating according to Forbes magazine. The high status of the institution is confirmed by its inclusion by the government in the list of structures suitable for housing pension funds and compliance with the criteria of the Law “On State Defense Order”.

In addition to the population lending program, JSCB Russian Capital offers a line of profitable deposits with various conditions.

Main conditions

In the current conditions, the economy is not stable. Many citizens are concerned about the problem of inflation and floating rates, so the natural desire to preserve existing funds resonates with the proposed deposits of Russian Capital Bank.

The list of deposits allows you to choose best option in accordance with the necessary conditions:

• placement of funds in one of three quoted currencies - ruble, euro, dollar;
• deposits with the possibility of operations - withdrawal, replenishment;
• high yield - interest on deposits is higher than the average for banks in the country.

For time deposits, the date of return of funds is usually considered to be the last day on which the agreement is valid. If the date falls on a weekend and holidays, the deadline is moved to the next business day.

If the client does not make a withdrawal, the deposit is automatically extended according to the terms of the agreement

Opening

Deposits with Russian Capital Bank in 2020 can be made by choosing one of the proposed methods: visiting the nearest branch of the institution or filling out an application online. It is preferable to come to the branch, since a deleted application still requires personal confirmation.

Preliminary consultation, clarification of details and clarification on issues of interest can be obtained in the following ways:

• when visiting a bank with consultants;
• by telephone consultation service - 8 800 775 86 86 ;
• addressing questions of interest via email;
• View the official website for deposits in Russian Capital Bank.

Deposit online calculator deposits will help you find out the exact amount of interest income on the selected deposit for today. You can find it on the bank's official website. To calculate, you must enter the deposit amount in the form fields, select the type of currency and the validity period of the deposit.

Insurance services

The guarantor of the safety of clients’ money on deposits of the Russian Capital Bank is the state company Deposit Insurance Agency, which is a 100% shareholder of the institution.

In 2020, the rules for payments on deposits apply in the event of an insured event according to the following scheme: an insolvent bank or other authorities revoke the license with the publication of this information in accessible sources, including on the central bank’s website and its own. If the recovery process has not begun, customer deposits are considered an insured event and are subject to payment.

The maximum amount that can be insured is – 1.4 million rubles. You can submit a claim for payment after 14 days after recognition of the insured event. The institution is given a period of no more than three days to satisfy compensation claims.

Depositors who placed deposits before 2020 are subject to different insurance rules - the maximum amount of insurance payments for them is - 700,000 rubles.

Open deposits from Russian Capital Bank

The institution provides ample deposit opportunities for individuals. These are ruble and foreign currency deposits, interest rates of varying yields, choice of storage period for time deposits and the ability to carry out transactions with the account during the validity of the agreement.

Special conditions are provided to pensioners for whom the Pension Capital program has been launched, which allows them to effectively accumulate funds in the account, with small amounts of replenishment, receiving profit from interest.

Orange mood

A deposit can only be opened in rubles, with a minimum down payment amount of 100,000 rub.. Interest on the deposit is paid at the end of the term by transferring the resulting amount to the account specified by the client, to a bank card or to the current deposit account.

Early withdrawal of funds automatically changes the terms of the deposit to “On demand”, while the interest rate for the entire period is reduced up to 0.01%.

The table shows that the rate is directly dependent on the deposit amount and term.

Capital plus

This deposit is the optimal solution for clients who want to start saving, but do not have an impressive amount for a down payment. By adding funds to the deposit during its validity, you can increase interest income - the rate changes upward after reaching the agreed amount.

You can top up your account with an amount from 1000 rudders or 100 dollars/euro during the entire period, except for the last month with a minimum validity period.

Easy choice

Deposit with minimal restrictions for depositors. Available to most thanks to a low down payment, but has no restrictions on the maximum amount. Multicurrency – it is possible to deposit funds in rubles, euros and dollars.

The interest rate is determined depending on the currency and term of the deposit:

Interest is paid at the client's choice: to a specified account, to a card or to a deposit account with capitalization.

Withdrawal of money is allowed until the minimum balance is reached, which the client himself determines upon registration.

Pension capital

Pensioners can use the deposit upon presentation of their identification. Russian Capital Bank provides special conditions people who have fulfilled their labor duty.

To open a deposit it is enough 10,000 rubles. The agreement does not contain restrictions on withdrawal of funds up to the minimum balance, and if termination is desired, the interest rate remains high.

Replenishment nuances

You can top up any deposit, but there are differences in the rules for crediting funds.

You can deposit money into the deposit account during its validity period, except for:

• latest 30 days, if the deposit is issued for a period of up to a year;
• latest 45 days, with a period of 540 days;
• latest 60 days, for deposits for a period 750 days;
• latest 90 days, if the deadline 1100 days.

The “Solnechny” deposit has no restrictions throughout its entire validity period.

Limit on the amount of initial and subsequent replenishments for deposits:

Russian Capital Bank allows clients to withdraw money from deposits, but this is accompanied by a decrease in the interest rate, and therefore a loss of income from the deposit

Early withdrawal

For each offer, there are a number of conditions for terminating the contract early:

Advantages and disadvantages

The advantages of deposits at Russian Capital Bank are a wide range of conditions and a dynamic interest rate on deposits, which, if the conditions are met, will provide a stable high return on holding funds.

The state insurance system is a guarantor of the reliability of deposits; clients are protected by the program regardless of citizenship.

Some deposits allow automatic extension of the term under the initially selected conditions. Ruble and foreign currency investments allow you to save and increase money depending on your preferences.

One of the most profitable deposit products on the banking market. Combines the reliability of a financial institution and increased income. The term of this deposit is one month longer than the annual period. In 395 days, capitalization of interest each month will allow you to make a profit of 85,081.51 rubles. on investments in the amount of 700,000 rubles, which is an effective rate of 12.15% for the entire period, while the contract specifies a percentage of 10.5% per annum. Under such conditions, this is the highest return among other deposits of the Russian Capital Bank.

We would like to mention a few other amenities. For example, it is quite rare for a bank to agree to change the procedure for paying interest. Firstly, during the entire term of the contract (except last day and the date of interest accrual) you can change the capitalization to receive monthly income and withdraw interest from the account. Secondly, the account can be replenished at any time, thereby further increasing profitability. Minimum amount additional contribution is equal to 1,000 rubles. Thirdly, early termination of the deposit, starting from the 132nd day, promises the investor enough high percent at the level of rates in the so-called state banks from the TOP-10. In the amount of 700 thousand rubles. 7% per annum is charged. If the savings were in the account for less than this period, then interest is calculated at the demand deposit rate. Of the shortcomings, he will name only one - the inability to partially withdraw amounts from the deposit.

The key and almost sole shareholder of the bank is. Therefore, Russian Capital is one of the few financial institutions with state capital. In the ranking of assets, the institution occupied a very high 58th place in mid-autumn. In addition, it is regularly assigned a high level of “AA” creditworthiness by several independent rating agencies. There are more than a dozen customer service points in Moscow. A wide branch network covers almost six dozen Russian cities.

Relevance of information: November, 2012

Rossiysky Capital Bank is an institution with a long history. Having started its work back in 1993, today it occupies a leading position and is one of the hundred largest commercial banks in the Russian Federation. The Central Bank has included Russian Capital in non-state pension funds, in which pensioners can place their savings and accumulate pensions.

Deposits from individuals at Rossiysky Capital Bank offer one of the highest interest rates in 2016 (many have been valid since 2015), flexible management of money and quick processing.

"Take your luck"

Almost all deposits, except one, can be made by the client in one of the branches of Rossiysky Capital Bank, which are located on the territory of the Russian Federation in Moscow, Penza, Nizhny Novgorod and other cities.

As part of the deposit, a promotion is being held for all clients who manage to take advantage of the offer before March 31, 2016. The prize in the promotion is 4 thousand rubles. The rest of the contribution is profitable investment funds.

Its conditions are as follows:

• period up to 395 days;
• differentiated rate - 10-11.3%;
• currency - rubles only;
• maximum amount - up to 100 thousand rubles;
• interest - current or deposit account, as well as client card;
• classic deposit management - prohibition on withdrawal/replenishment;
• there is no extension;
• in case of early termination of the contract, the rate used is the same as in the “On Demand” deposit (0.1%) for the actual term.

Opening a deposit with Russian Capital in 2016 is possible in the branch or through online service channels. You can also submit a preliminary application by phone or email of the bank.

"Russian Capital Plus"

Today, Russian Capital has progressive rates on this deposit and has established the possibility of making additional contributions. It is optimal for those clients who have a minimum initial amount, but plan to regularly increase it and the final interest income from the deposit in the future.

The terms of this offer are:

• terms from one year to 1100 days;
• three currencies, the following minimum contributions are established in them: 10 thousand/300 in rubles or foreign currency;
• there are no restrictions on the maximum deposit size;
• additional payments for the entire term of the contract, they can be transferred from a card or deposited in cash at the cash desk;
• replenishment amounts are limited: from one thousand in rubles, 100 dollars/euro;
• the interest rate will increase as the principal amount of the deposit increases;
• no consumption;
• Auto-renewal is allowed;
• early termination: rate of 0.1% when storing money for less than 1/3 of the term, above - a preferential rate.

Interest can be transferred to the account or card specified by the client, and can also be added to the principal amount of the deposit (capitalized), increasing its size and interest income.

"Pension capital"

“Russian Capital” deposit for pensioner clients. It opens upon presentation of two documents - a pensioner's ID and a Russian passport. A small down payment (from 10 thousand rubles), a fairly high interest rate, flexible fund management.

Conditions of this deposit in Rossiysky Capital Bank today:

• ruble account;
• period within 395-1100 days;
• minimum contribution - from 10 thousand rubles;
• no maximum amount has been established;
• Replenishment is allowed 30-90 days before the end of the term;
• expenses are allowed within the minimum balance, which corresponds to a down payment of 10 thousand rubles;
• monthly consumption - maximum 100 thousand;
• interest is monthly, issued to the client in cash/account/card every month and at the end of the term;
• early withdrawal - preferential rate applies;
• interest rates on the deposit of Rossiysky Capital Bank: 8.5-9.4%;
• There is no auto-renewal.

At the request of the investor, you can use interest capitalization - monthly summation of accrued interest profit to the account amount (analogous to an additional contribution). Contributions can be made at the cash desk or by transfer from a card/other client account.

"Easy choice"

This deposit has flexible money management options: additional contributions, withdrawals during the contract period, a small down payment. Receiving interest - in any of the ways at the request of the investor: to an account, to a plastic card, capitalization.

Program parameters:

• terms up to 750 days;
• currencies: ruble, euro and dollars;
• the amount of the first installment is 10 thousand (in rubles) and 300 (in foreign currency);
• Replenishment is allowed, both in cash and non-cash;
• the maximum deposit amount is not established;
• expense - up to the balance: 10/200/700 thousand in rubles and 300/6 thousand/20 thousand (in foreign currency), the size of the balance is determined by the depositor;
• monthly interest on the account/card, capitalization possible;
• early withdrawal at the minimum rate;
• auto-renewal, if at the time of its implementation this deposit is valid;
• rates on this deposit of Rossiysky Capital Bank: maximum amount 8.4/2/1.3% (ruble, dollar and euro, respectively).

The client can replenish the account in cash/non-cash mode up to 1-2 months before the end of the contract term. Expenses can be made up to the balance determined independently by the depositor at the time of making the deposit.

"Sunny city"

A program for placing money specifically for investors in the Samara region. This product was introduced in honor of the merger of two banks, Rossiysky Capital and Potential. Accordingly, the opening is carried out exclusively in the Samara region through branches of Potential Bank.

Conditions:

• period - three months;
• rate - 8%;
• program currency - rubles;
• contribution - from 10 thousand;
• Interest is due monthly and can be capitalized at the request of the client;
• partial withdrawal - no;
• replenishment: no restrictions, throughout the entire period;
• auto-renewal - no;
• early withdrawal of money - the percentage is reduced to a minimum (0.1%).

To open any deposit, you must personally contact the Russian Capital branch with a passport or send an application by phone or email indicated on the official website. There you can register in your “personal account” and manage your accounts using a remote service.