Interest on deposits in Russian Agricultural Bank. Rosselkhozbank deposits for individuals: how to get a favorable interest rate? Deposit "Maximum savings"

Rosselkhozbank offers deposits for 2016 on fairly favorable terms, and a large selection of programs makes the bank’s products even more attractive. The unstable economic situation last year forced Russians to look for ways to preserve their savings, and deposits in reliable organizations remain one of the surest ways to protect money from depreciation. In the article we will analyze time deposits of Rosselkhozbank and compare the conditions for placing funds in the bank with the offers of competitors.

Peculiarities

In this bank you can find deposits for individuals for every taste in rubles and foreign currencies: with the possibility of withdrawing funds, replenishing the deposit, with preferential termination and maximum profitability. A social product for pensioners and programs for wealthy clients are also presented. For VIPs, within the framework of premium packages, special conditions for deposits with increased rates apply. Deposits “Classic”, “Accumulative” and “Gold” can be issued remotely

RSB programs are distinguished by a low down payment amount (3,000 rubles, 100 US dollars and euros) and a flexible interest calculation scheme (in this they are similar to the conditions of Sberbank): the client independently decides to withdraw interest or add it to the invoice amount. Bank deposits have high rates combined with competitive advantages. However, I would like to note that Sberbank benefits by offering high early termination rates for almost all programs and charging pensioners the maximum interest when making any deposit.

The yield on deposits with maximum rates is the highest in Rosselkhozbank; in programs with replenishment it is slightly inferior to Gazprombank in rubles, and in American dollars to Alfa-Bank. At the same time, Gazprombank’s rates for deposits with the possibility of withdrawal are slightly higher.

Overview of offers

Maximum income

Igor Pyatigorets Rosselkhozbank

The “Classic” deposit accounts for 30% of the total volume of deposits attracted in 2014. The demand for it is due to attractive conditions. This is one of the highest levels of profitability of the Bank's ruble deposits.

The “classic” deposit is suitable for investors who value high profits. It is not allowed to withdraw money or replenish the account before the end of the term, but you can choose an interest payment scheme (at the end of the term, monthly to a separate account or capitalization). You can place money for a period from 31 days to 1460 days, and the highest rate is subject to interest payment at the end of the term. The size of the down payment is also pleasing; all basic programs open in amounts ranging from 3,000 rubles, 100 US dollars and euros. It is possible to make a deposit through an ATM or online banking.

What about others?

In Sberbank, similar conditions apply with a down payment of 1000 rubles, 100 US dollars and euros, but the rates are much higher in Rosselkhozbank. In VTB 24, the maximum rate is provided for the “Beneficial” deposit with an individual term and the same interest payment scheme as in Rosselkhozbank, however, it focuses on wealthy clients, so the amount of the first payment here reaches 200,000 rubles, 3,000 US dollars and euros, while , that the profitability is much higher than in the RSB.

For the “Prospective” product, interest is accrued at the end of the year and placement period, the amount of the first payment is quite small (15,000 rubles, 500 dollars and euros), and the yield is lower than in Rosselkhoz. On the Pobeda deposit from Alfa Bank, the rate is slightly higher than here, however, subject to capitalization and an amount of 1,500,000 rubles. The advantage of RSB is that the rate does not depend on the placement amount, and interest can be withdrawn monthly.

Optimal accumulation

For depositors who want to regularly top up their account, the “Accumulative” deposit is suitable, which can be issued not only at the branch, but also remotely for a period of 91 to 730 days. When you top up your balance and move to the next amount range, the rate increases. Interest is capitalized every month or transferred to a separate account.

The “Save for a Dream” program may be of interest to clients who are saving money to buy a car or real estate. When the transaction is confirmed, the deposit is terminated on preferential terms. The deposit period is fixed - 730 days, interest is capitalized every month, increasing the final profit.

What about others?

Offers similar conditions. The amount of the additional contribution in Sberbank is slightly less than in Rosselkhozbank, but in terms of profitability Rosselkhozbank wins. On the “Accumulative” deposit from VTB 24, the yield in rubles is almost the same as in the RSB, but in foreign currency it is an order of magnitude lower. Gazprombank offers a “Accumulative” deposit, for which interest in rubles is higher, but in foreign currency it is lower than in RSB. Alfa Bank offers a “Premier” deposit with a growing rate; the return on deposits in rubles is higher in Rosselkhozbank, and Alfa wins a little in foreign currency.

Free access to money

The “Managed” deposit allows you to withdraw money and top up your account at any time, however, the size of the first contribution for this program is higher than for the previous ones and amounts to 10,000 rubles, 300 US dollars and euros. Interest is also capitalized once a month or paid to a separate account. You can withdraw funds within the minimum balance, which is determined by the client himself.

What about others?

The placement amount is higher than in Rosselkhoz, and the profitability is lower, with the exception of programs in US dollars, where the placement amount must be taken into account. In VTB 24, on the “Comfortable” deposit, the rates in rubles are much lower than in the RSB, the yield in dollars is the same, and in euros, VTB 24 is slightly inferior. At Gazprombank, on the “Dynamic” deposit, interest is accrued at the end of the term and each year, but the rate is higher. At Alfa-Bank, the “Potential” deposit has the lowest return in foreign currency, and the amount of the additional contribution, on the contrary, is high.

For pensioners

For investors of retirement age, the bank offers “Pension-Plus” deposit, which can also be issued for a minor child. It has flexible conditions, because you can top up your account with an amount starting from 1 ruble, and you can withdraw money within the minimum balance (at the same time the minimum placement amount) - 500 rubles. However, if you terminate early, all income will be lost, so it is better to stick to a fixed term (365 and 730 days).

Sberbank has special rates for pensioners on all products, but if we compare the pension program, Sber is inferior in profitability to Rosselkhozbank. In VTB 24 and Alfa-Bank There are no special programs for pensioners, but Gazprombank offers a “Pension” deposit with quarterly capitalization. The rest of the placement conditions are approximately the same, but RSB wins slightly in terms of profitability.

For wealthy clients

For wealthy investors, the bank offers programs with the ability to withdraw, top up and receive maximum income with a down payment of 1,500,000 rubles, as well as deposits within the “Ultra” and “Premium” service packages.

The “Golden” deposit can be issued at the bank’s office or remotely for a period of 91 to 1460 days; interest in rubles is accrued either at the end of the term or capitalized monthly, or transferred to a separate account; on deposits in foreign currency, income is paid at the end of the term. It is not allowed to withdraw money or top up your account.

“Maximum savings” in rubles is characterized by an increasing rate when moving to the next amount range. Interest is capitalized monthly or paid to the client. You can open an account for a period of 180 to 730 days. The Platinum deposit is of interest to clients who want to freely manage their finances. It can be issued for a period from 91 to 1095 days, replenishment is possible in the amount of 30,000 rubles, and withdrawal is possible within the minimum balance.

The most favorable conditions and maximum rates can be obtained by purchasing premium service packages. For example, the “Your Income” program with the highest profitability is available to owners of the “Ultra” package. It can be opened in amounts ranging from 500,000 rubles, 20,000 US dollars and euros for a period of 91 to 1095 days. Interest is paid monthly or capitalized. “Your savings” is an account for regular replenishment. Money can be placed for a period of 180 to 730 days, and when making additional contributions, the interest rate increases.

The “Your Opportunities” product is also available to owners of the “Premium” package. Interest is paid monthly or capitalized, it is allowed to replenish the account and withdraw funds from the deposit. But the “Your Conditions” program is interesting in that it is issued only within 30 days after concluding an agreement for the “Ultra” package. The deposit amount is only 50,000 rubles, the period is 31 days, replenishment and withdrawal of part of the funds is allowed. In addition, if the contract is terminated early, the rate does not change.

Sberbank also has higher rates as part of its premium packages, but the profitability of individuals is higher at Rosselkhozbank. Gazprombank offers a Premium service package, but the conditions can only be found in the offices. VTB 24 also offers the “Privilege” package, within which a line of deposits has been developed, but the conditions can be obtained from your personal manager. At Alfa Bank, wealthy clients are offered an “A+” deposit with preferential termination conditions, but its profitability is inferior to the RSB.

Rosselkhozbank offers the registration of time deposits - savings (replenishment and partial withdrawal are not available), savings (replenishment of the main account is allowed) and expenditure-cumulative (increase in the principal amount and partial withdrawal of money is available). Any individual can open a deposit within the framework of the above programs. The minimum initial deposit amount is 3,000 rubles/100 dollars. or euro. The term of a savings deposit is up to 3 years, a savings deposit is from 1 month to 4 years. Interest capitalization applies.

For people of retirement age, Rosselkhozbank has developed a special program of expense-savings deposits. The deposit can be made only in Russian rubles, the minimum amount is 500 rubles. It is allowed to open a deposit in the name of a minor child.

Current clients of the Bank who are owners of the Premium service package can open a savings, savings or expense account with increased interest. Deposit term – from 1 month to 3 years (savings – up to 4 years). The starting amount is 1.5 million rubles. (or equivalent amount in foreign currency). The savings deposit can be placed in rubles, the rest can also be placed in dollars and euros.

Holders of the “Ultra” service package, in addition to the 3 above-mentioned programs, have access to opening deposits (savings/accumulation/expenditure-accumulation) on more comfortable conditions: increased interest, initial deposit size – 500,000 rubles. Making any type of Ultra class deposit is possible in rubles, dollars and euros. The term of deposits is from 3 months to 3 years. Also, clients of the “Ultra” category can open a spending and savings deposit in Russian rubles with the highest percentage, the starting amount of which is 50,000 rubles. (for up to 1 month with the possibility of up to 10 extensions).

Features of deposits. Rosselkhozbank allows you to open a deposit both in your own name and in the name of a third party (Profitable), including in favor of a minor child (Pension Plus). Most of the Bank's programs provide the opportunity to open deposits in national and foreign currencies (US dollars and euros), however, some deposits can be opened exclusively in rubles. Rosselkhozbank deposits have the following features:

The size of the bet depends on the parameters of the deposit, as well as on the method of its execution (when placing remotely, a lower percentage applies);
It is possible to terminate the contract early and return the money without loss of interest - the amount of profit will depend on the actual period the money is in the account (available as part of a savings deposit, provided that at least 90% of the funds from the deposit are used to make the initial payment on a mortgage/car loan at the Bank). In case of early withdrawal of the full amount of funds under other deposit programs, interest is recalculated according to the terms of a perpetual deposit;
For some programs (both for Bank clients and for any individuals) there are no restrictions on the maximum deposit size;
The bank provides non-clients who open a deposit in the amount of RUB 50,000 or more with a card with the “Amur Tiger” tariff plan (no additional fees are charged for issuing and servicing the card);
For most programs, the depositor has the right to choose the method of accrual of interest (to a separate card account or to the principal amount with further capitalization), as well as the frequency of their accrual (monthly or lump sum, at the end of the deposit term);
The depositor can draw up a power of attorney with the Bank to carry out the main set of actions on the deposit, as well as a testamentary disposition regarding the money stored on the deposit.

How to make a deposit? You can open a deposit in Rosselkhozbank in the following ways:

At the Bank office. To conclude a deposit agreement, the client must have with him an identification document: a civil passport, an identity card of a Russian military serviceman (military ID), a temporary identity card of a citizen of the Russian Federation (form N 2P);
Remotely – using online banking or mobile banking. It is not possible to place a deposit remotely using all Bank programs. When placing a deposit remotely, the Bank sets a reduced interest rate on it.

Closing the deposit and withdrawing funds. The client can close a deposit with Rosselkhozbank ahead of schedule - in this case, according to the terms of most programs, interest is recalculated in accordance with the rate of a permanent deposit. If the amount to be paid upon early termination of the deposit exceeds RUB 100,000. (equivalent in foreign currency), the depositor is obliged to submit a written notification to the Bank about the planned return of funds.

In the absence of demand from the depositor, the deposit (under most programs) is automatically extended under the terms of the primary agreement. To return the money, the client must contact the Bank's office at the end of the agreement. Refunds can be made either in cash or by bank transfer.

Rosselkhozbank is a fairly popular bank in Russia, a branch of which can be found in any major city. It was created for the development of financial and credit systems. Its leading activities are concentrated in the agricultural sector.

Deposits in Rosselkhozbank for individuals in 2016 in rubles and foreign currency

Offers for depositors in this bank provide an opportunity to protect their own funds from inflation. Along with this, there is an opportunity to earn money.

Rosselkhozbank expects to receive high interest on deposits. Thus, opening a deposit account in national currency is possible for a fixed period - from 1 month to 5 years.

The entire line for individuals consists of 10 deposits, and they all have their own characteristics and conditions.

The interest rate on deposits depends on factors such as currency, placement period, non-reducible balance plus the deposit amount. Average interest rates on deposits are 6% - 8% per annum. However, you can get an accurate calculation by opening an online calculator on the official website page.

Rosselkhozbank deposits for individuals today have favorable interest rates: up to 6.6% in rubles and 1.6% in dollars. See the updated conditions and deposit rates for the Russian population, including pensioners, in 2020. The calculator will help you calculate your income.

Today, Rosselkhozbank deposits already have updated interest rates!

In 2020, Rosselkhozbank (RSHB) has already updated rates on several deposits for individuals. They were reduced by 0.05 - 0.25 percentage points. This is due to the reduction of the Central Bank’s key rate. However, profitability remains quite high today, compared, for example, with Sberbank.

Therefore, if you are planning to invest money in a reliable bank with a good interest rate, then Rosselkhozbank may be exactly the place you are looking for. Why?

Firstly, this is a reliable organization that is 100 percent state-owned and is one of the systemically important banks in Russia. (See below for more information about this bank.)

Secondly, today the bank offers a wide range of deposits for individuals for periods from 1 month to 4 years with a variety of conditions for storing savings. Special programs are provided.

Thirdly, interest rates on deposits at Rosselkhozbank today are very favorable and quite competitive in comparison with other banks from the top 10.

What deposits do Rosselkhozbank have today?

In this review, we will compare the interest rates and conditions of all RSHB deposits for individuals. First, we’ll just list them to make it easier for you to navigate. This comparison table shows the names and rates in rubles, dollars and euros. To make it easier for you to choose a suitable savings program for the Russian Agricultural Bank, the correspondents of the website divided them into 4 groups:

Below we will describe in detail the features of each deposit and compare their conditions and interest rates.

Deposit calculator

The most profitable deposits of Rosselkhozbank today

It is no secret that most clients choose a deposit based on the interest rate. Therefore, profitability is a key indicator. But high-interest deposits, as a rule, also have their disadvantages: they cannot be replenished, and they cannot be partially withdrawn without losing interest. You have to put up with this.

Today, Rosselkhozbank has 4 such deposits: “Profitable”, “Reliable Future”, “Investment” and “Amur Tiger”.

Rosselkhozbank deposit "Profitable"

This deposit involves receiving a high interest rate even for a small amount of money. Can be opened through remote service channels. If you have a deposit of 50,000 rubles or more, you will be issued a free card with the tariff plan “Amur Tiger - card for deposit”.

Advantages and disadvantages

High interest rate.

No replenishment.

There is no partial withdrawal without loss of interest.

Conditions

Amount: from 3,000 rub. / 50 US dollars or euros;
Duration: 31 – 1460 days;
Replenishment: no;
Expense transactions: no;
Capitalization: yes;
Interest payment: at the end of the term or monthly.

Interest rate

When applying online with interest payment at the end of the term.

Rubles Dollars Euro

Amount/Term

from 15,000 to 25,000

Amount/Term

from 15,000 to 25,000

Calculate possible income on deposit

Rosselkhozbank contribution "Secure Future"

Opening this deposit is possible with the simultaneous purchase of an investment life insurance policy (ILI) from one of the insurance companies - the bank's partners. The amount of the ILI policy must be equal to the initial deposit payment.

Advantages and disadvantages

Increased interest rate.

Mandatory purchase of an ILI policy.

Conditions

Amount: from RUB 50,000;
Duration: 180 and 395 days;
Replenishment: no;
Partial withdrawal without loss of interest: no;
Interest payment: at the end of the term.

Interest rates

Amount/Term	180 days	395 days
from 50,000 ₽	6,10%	6,50%

See at what interest rate you can open a deposit in Sberbank today -

Rosselkhozbank contribution "Investment"

The Rosselkhozbank deposit for individuals “Investment” provides clients with the opportunity to receive income both from the money placed on the deposit and through investments in mutual funds (UIF). When opening a deposit, a free card is issued with the tariff plan “Amur Tiger – card for deposit”.

Advantages and disadvantages

Maximum interest rate.

Mandatory placement of funds in mutual funds.

Conditions

Duration: 395 and 730 days;
Minimum size: RUB 50,000. / $1,000;
Replenishment: no;
Expense transactions with saving interest: no;
Payment of interest: at the end of the term.

Interest rates

Rubles Dollars

Amount/Term	395 days	730 days
from 1,000 to 25,000	1,40%	1,50%
from 25,000 to 80,000	1,45%	1,55%
from 80 000	1,50%	1,60%

See what the interest rate on deposits at VTB Bank is today -

Rosselkhozbank deposit "Amur Tiger"

This is a deposit of Rosselkhozbank with monthly interest payments on a card with the tariff plan “Amur Tiger - card to deposit”.

Advantages and disadvantages

High interest rate.

There is no replenishment or partial withdrawal without loss of interest.

Conditions

Duration: 395, 540 and 730 days;
Amount: from 50 thousand rubles;
Replenishment: no;
Expense transactions with the same interest rate: no;

Interest rates

395 days	540 days	730 days
5,20%	5,25%	5,25%

Rosselkhozbank deposits with replenishment

These deposit programs will be of interest to those who have the opportunity to save money for any major purchase, or simply, as they say, “for a rainy day.” Today there are only two such deposits in the Russian Agricultural Bank: “Replenishable” and “Save for a dream.” The ability to replenish is their main feature and advantage. But the profitability of these deposits will be slightly less than the previous ones.

Rosselkhozbank deposit “Replenishable”

This Rosselkhozbank deposit may be suitable for those who want to accumulate funds for a specific event or date. If you have a deposit of 50,000 rubles or more, you will be issued a free card with the tariff plan “Amur Tiger - card for deposit”. Please note that when making this deposit, the client can choose what to do with the accrued interest: withdraw it or add it to the amount monthly (capitalization). In case of early termination of the deposit agreement, interest is paid at the “Demand” rate.

Advantages and disadvantages

Possibility of replenishing your account.

Selecting the interest payment method.

Increased profitability when opening online.

Low interest rate.

Conditions

Duration: from 91 to 1095 days;
Min. amount: 3,000 rub. / 50 US dollars or euros;
Maximum amount: RUB 10,000,000. / 300,000 US dollars or euros;
Replenishment: yes;
Amount of additional contribution: from 3,000 rubles. / 50 US dollars or euros;
Expense transactions: no;
Capitalization: yes;
Interest payment: monthly.

Interest rates

When registering online

Rubles Dollars Euro

Amount/Term

from 5,000 to 15,000
from 15,000 to 25,000

Amount/Term

from 5,000 to 15,000
from 15,000 to 25,000

Rosselkhozbank contribution "Save for a dream"

This deposit with preferential early termination is suitable for clients who plan to purchase real estate or a car on credit. It has two main differences from the previous “Replenishable” deposit.

Firstly, the interest accrued monthly cannot be withdrawn, but can only be capitalized.
Secondly, even with early withdrawal of the deposit, interest can be accrued for the actual time the funds are in the bank, and at the deposit rate. True, for this it is necessary that a certain condition be met: at least 90% of the deposit amount must be used as a down payment on a mortgage or car loan taken from Rosselkhozbank.

If you have a deposit of 50,000 rubles or more, you will be issued a free card with the tariff plan “Amur Tiger - card for deposit”.

Advantages and disadvantages

Possibility of replenishing your account.

Preferential conditions for early termination.

There is no partial withdrawal of money without loss of interest.

Conditions

Duration: 730 days.
Amount: from RUB 3,000/USD 100;
Minimum amount of additional contribution: RUB 3,000. / 100 US dollars;
Replenishment: yes;
Expense transactions: no;
Interest payment: monthly capitalization.

Interest rates

Rubles Dollars Euro

Deposits with partial withdrawal without loss of interest

These deposit programs are convenient primarily because they allow the client to freely manage the money lying in the bank. They can be replenished, but the main thing is that it is possible to partially withdraw funds if they are suddenly needed, without losing the accrued interest. True, you have to pay for all these amenities with your income. Their interest rate is significantly lower than those that do not provide for the possibility of expense transactions.

Rosselkhozbank deposit “Comfortable”

This deposit may be of interest to clients who are willing to put up with a low interest rate in exchange for the opportunity to withdraw money if they suddenly need it urgently. It can be safely opened for a long period of time and then used as an electronic wallet. The main thing is not to spend every penny, but to leave a certain amount on deposit - the so-called “minimum balance”. Moreover, the profitability of this deposit will be higher than that of another similar RSHB product - the Savings Account.

If you have a deposit of 50,000 rubles or more, you will be issued a free card with the tariff plan “Amur Tiger - card for deposit”. Can be opened through Internet Banking and Mobile Banking.

Advantages and disadvantages

With replenishment.

With partial removal.

Increased rate when opening online.

Low interest rate.

Conditions

Duration: from 91 to 1095 days.
Amount: from 10,000 rub. / 150 dollars or euros;
Amount of additional contribution: from 5,000 rubles. / 100 dollars or euros;
Deposit replenishment: yes;
Expense transactions: are allowed provided that the minimum balance on the deposit is maintained;
Interest payment: monthly to the account or capitalization.

Interest rates

When registering online

Rubles Dollars Euro

Amount/Term

Amount/Term

Savings account Rosselkhozbank

This savings product can be called a deposit with some stretch, but the site’s correspondents included it in this review. Its main advantage is the ability to top up your account and withdraw money up to a zero balance at any time. In this case, the rate will remain unchanged. And interest will be accrued daily on the balance of funds in the account.

Please note that interest is accrued not on the minimum account balance that was recorded during the month, but daily! But interest is paid monthly on the last working day of the month by crediting it to the account.

Conditions

Duration: indefinitely;
Amount: not established;
Replenishment: no restrictions;
Expense transactions: no restrictions.

Interest rates

See the interest on the VTB Bank Savings Account -

Rosselkhozbank contribution "Poste restante"

Can be opened through Internet Banking and Mobile Banking.

Conditions

Amount: from 10 rubles / 5 dollars;
Replenishment: no restrictions;
Amount of additional contributions: no restrictions.
Expense transactions: allowed up to a minimum balance of 10 rubles / 5 dollars.
Interest payment: quarterly.

Interest rates

Deposits for pensioners

The bank's line of deposits today includes special deposits from individuals for pensioners at a preferential interest rate. Rosselkhozbank opens them only upon presentation of a pension certificate or a document from the Pension Fund of the Russian Federation on the establishment and (or) assignment of an insurance pension.

But for women over 55 years old and for men over 60 years old, as well as when there are no more than two months left before the onset of old-age pension, the provision of the corresponding document from the Pension Fund of the Russian Federation is not required.

Rosselkhozbank contribution "Income pension"

This is a modification of the “Profitable” deposit, but on more favorable terms. If in the original deposit the rate depends on the amount, then the Russian Agricultural Bank has made a discount for pensioners. By investing just 500 rubles, you can get a decent percentage. But, of course, opening a deposit for 500 rubles is pointless. Because you can’t replenish it later. To get maximum income, you need to invest more.

Interest rates

395 days	730 days	1095 days
4,8%	4,9%	5,0%

See which special deposits offer pensioners the most reliable

How to open Rosselkhozbank deposits

Deposits for individuals at Rosselkhozbank today can be made in several ways:

at the RSHB office;
in Internet Banking;
Through mobile banking.

Money can be deposited within 10 calendar days from the date of signing the application for placing a deposit.

For a deposit amount of 50,000 rubles or more, the Russian Agricultural Bank, as a rule, offers to issue a free card with the tariff plan “Amur Tiger - card to deposit” of the international payment system MasterCard or the National payment system “MIR”. The client will receive additional income on the account balance and protect nature: from each transaction of payment for a purchase using a card, Rosselkhozbank will transfer part of its income to the Center for the Study and Conservation of the Amur Tiger Population.

Conclusions: which of the deposits in Rosselkhozbank is the most profitable?

Interest rates vary depending on the term and amount. Therefore, to answer this question, let’s bring them to one denominator. Suppose you plan to invest 100,000 rubles for 1 year and not withdraw interest until the end of the term. In this case, the bank will most likely offer you the following rates:

Comparative table of Rosselkhozbank deposits

Maximum interest rates for an amount of 100,000 rubles and a period of 1 year.


No deposits or withdrawals
"Profitable"
"Secure Future"	6.5%
"Investment"	6.5%
"Amur tiger"
With replenishment
"Replenishable"
"Save for a dream"	cannot be opened for 1 year
With partial removal
"Comfortable"
"Savings account"
Pension
"Income pension"
"Pension income"	5%
"Pension Plus"

As you can see, the most profitable deposits in Rosselkhozbank today are “Reliable Future” and “Investment”. But please note that they can only be issued together with the purchase of other investment products of the bank.

Rosselkhozbank is second in some respects only to Sberbank of Russia, the largest domestic financial institution. And in the field of lending to agricultural enterprises, it occupies a leading position. Its high rating is based on the following aspects:

100% of the shares belong to the state represented by the Federal Agency for State Property Management;
created to serve the agro-industrial complex;
focused on a full range of services for both legal entities and individuals;
offers clients a wide range of banking products, some of which are unique and have the most favorable conditions among similar ones;
consistently enjoys government support and participates in others that are no less interesting to users.

The financial indicators of RSHB in Russia are also at a consistently high level:

the bank holds 3rd place in terms of volume of lending to the population and 5th place in terms of funds raised from individuals;
it ranks 4th in the ranking in terms of deposits from legal entities and 5th in terms of loans issued to them.

The key to reliable and stable operation of RSHB is its special status associated with the history of its creation. Following the crisis in the banking sector that occurred in 1998, the Government of the Russian Federation decided on the need to restore a system capable of uninterruptedly and stably working with the agricultural complex, providing enterprises in the sector with a regular opportunity to receive funds for their activities. OJSC Rosselkhozbank was created in 2000 and its main and only shareholder was the Federal Agency for State Property Management, that is, the state itself.

This gives the financial institution not only a reliable base that allows it to survive moments of crisis, but also the opportunity to provide its clients with the most loyal conditions. In addition, funds invested in RSHB are as protected as in 2016, as well as a number of other deposits. This is based on the fact that the institution is a participant in the state deposit insurance program.

The RSHB branch network includes more than 1.5 thousand additional branches and almost 80 regional divisions.

Advice: if you live in remote regions or rural areas and are looking for a large bank to make a deposit or conduct other transactions, then you should pay attention to RSHB. Its unique feature is that it is widely represented in the “Russian outback”. It is present in small towns and villages, in addition, its network covers remote regions, including Kamchatka, Khakassia, Dagestan, Udmurtia, the Komi Republic and others.

Rates on consumer loans without and with collateral were reduced in 2016, and these products continue to be popular.

Focus on the agro-industrial complex is manifested not only in specialization in financing enterprises in the sector. The bank's mission is to provide comprehensive and comprehensive services to the population living in rural areas, where, unfortunately, modern remote access technologies are still less developed. In addition, he is more willing to lend to various agricultural producers. If, for example, you decide to make it your business and you don’t have enough funds, then Selkhozbank will be the best partner for you. Please note that before you go to financiers for money, you will need. Today, not a single loan, regardless of its status (consumer, development or mortgage) and amount, is issued without this procedure.

Lending for the purchase of housing at Rosselkhoz has many similarities with those in 2016. There are also favorable conditions for borrowers when purchasing housing under construction or finished housing from the bank’s partner companies.

Rosselkhozbank deposits for individuals in 2016

Today, one of the largest banks in the country, included, according to financial market experts, in the TOP 5 domestic financial institutions, offers deposit products to various categories of citizens.

With a variety of formats, we can highlight several advantages inherent in the best of the offered options:

the maximum rate can reach 15% per annum;
minimum placement period 1 month;
there are deposits with the possibility of replenishment;
Interest is accrued monthly with the possibility of their withdrawal and transfer to a card (account);
the use of interest capitalization, that is, their calculation according to a complex formula, where interest for previous periods is added to the body of the deposit.

It should also be noted the availability of deposits. The minimum contribution is set at 3 thousand rubles, for pensioners there are preferential conditions for the amount, it is 500 rubles.

Another important point is that the bank has created a number of programs aimed at wealthy clients. They offer special conditions for investors who want to deposit a large amount of 1.5 million rubles or more.

Popular RSHB deposits in detail

For the general population, the bank offers several types of deposits with affordable and loyal conditions.

The offer includes several deposits of the savings type without the possibility of replenishment and partial withdrawal without loss of accumulated interest. Among them are “Classic” and “Gold”. In the first of the deposits, the minimum amount is 3 thousand rubles, transferring it to the “national” category.

Replenishable deposits include “Accumulative”, “Save for a dream” and “Maximum savings”. Here you can deposit additional amounts.

The types of settlement deposits include “Managed” and “Platinum” deposits, in the format of which you can not only make contributions to the bank, increasing the deposit amount, but also make debit transactions while saving interest.

Each of these banking products has its own nuances that determine who exactly the deposit is intended for. The main one is the minimum amount.

How to get interest on small money

If you have 3 thousand rubles available, then you can open one and receive a stable income from it. Rosselkhozbank provides a number of options for such cases:

“Classic” for a period from 1 month to 4 years with an increased rate. Payment of interest is carried out at the client's choice; it can be monthly, credited to an account or a plastic card, or at the end of the entire term. The maximum amount is not limited, and funds are accepted in several currencies (rubles, US dollars or Euros).
“Accumulative” deposit assumes a period from 3 to 36 months. This involves a higher interest rate, foreign currency (Euros or US dollars) and Russian rubles. The peculiarity of the deposit is that there is a limit on the maximum amount (up to 10 million rubles, and up to 300 thousand in foreign currency).
The “Save for a Dream” deposit also starts with a contribution of 3 thousand rubles or 300 USD or 300 EUR. The maximum amount limit is the same as the previous option, the period is 2 years. Here, only capitalization is provided on a monthly basis; there is no crediting of interest to the account.

Medium category deposits

Two proposals from RSHB should be included in this category:

“Managed”, which is aimed at those individuals who want not only to receive income, but also to manage their money relatively freely. The minimum contribution is set at 10 thousand rubles, 300 Euros or 300 US dollars, the maximum amount is 10 million rubles, 300 thousand in foreign currency. The minimum additional contributions start from 5 thousand rubles, and from 150 USD or EUR. A mandatory condition for the additional payment is that it must not be made later than 30 full calendar days before the end of the agreement with the bank. Any debit transaction is carried out without limit within the deposit body while maintaining the interest rate, but this does not apply to the “non-burnable” account balance, which is determined by the depositor independently.
The new version with the romantic name “Amur Tiger” is an improved version of a savings deposit, where there are no restrictions on the maximum amount. The format starts from 50 thousand rubles, is designed for a period of one to two years, as a bonus, the client is issued a card with a preferential tariff.

Deposits from 1.5 million

A special type of financial product designed for those who want to profitably invest a large amount of money. RSHB created this line with the emphasis that investors will come to it not only because they are interested in high income, but also because they will be provided with the widest possible choice of services:

The “Golden” deposit is available in both short-term (from 3 months) and long-term (up to 4 years) options, as well as in intermediate versions. The minimum investment amount is 1.5 million rubles, 50 thousand USD or 50 thousand EUR. There are no restrictions on the maximum size, and a relatively high rate is also offered - up to 9.40% in national currency, up to 3.65% and 2.00% in US dollars and Euros, respectively. Interest is paid either monthly or at the end of the deposit agreement (at the client’s request); in the second version, capitalization is applied.
The “Maximum Savings” deposit has the same threshold for the initial amount, but there are no versions in foreign currency. Terms are provided from 3 months to 3 years, the maximum rate is set at 8.35%, there is a maximum amount limit (up to 150 million rubles).
“Platinum” is similar to the previous one in terms of validity, but the maximum maximum amount here is set at the amount of the down payment multiplied by five. The currency basket and minimum deposit here are the same as in Zolotoy.

Rosselkhozbank deposits for pensioners

Like many other leading domestic financial institutions, RSHB has targeted programs for people of retirement age. The Pension Plus deposit has a number of favorable conditions and advantages for this category of citizens:

the minimum contribution is only 500 rubles;
rate - up to 6.8% for a period of one year, in case of a deposit for 2 years it increases to 7.0%;
replenishment can be made without restrictions;
the maximum amount on which the established interest is calculated is 10 million rubles;
minimum balance - 500 rubles, for everything above, the ability to carry out expense transactions without loss of interest applies;
If desired, you can arrange for the payment of interest to a card or other account, or “turn on” their capitalization.

This type of deposit is available only to persons who have reached retirement age, or to those citizens who have been issued a pension certificate of the Pension Fund of the Russian Federation or a document on lifelong maintenance from various government authorities. It can also be issued for a minor child.

Interest on deposits in Rosselkhozbank in 2016 today

According to experts, with a wide range of deposits, the overall level of return on RSHB deposits is in the average category. A huge advantage of the bank, which forces many to choose its products, is that the degree of safety of funds is incredibly high, because it is completely owned by the state.

When comparing all RSHB deposits, it should be noted that the most advantageous offer is “Classic”.

Advice: in order to receive the maximum interest on this deposit format, it must be issued through an ATM or at a bank office for a period of 180 days and without capitalization.

In the line of deposits with a minimum contribution of 1.5 million rubles. “Golden” stands out with the highest profitability.

In addition, by concluding an agreement with RSHB for the “Ultra” and “Premium” packages, which provide special conditions for clients, you can have at your disposal the bank’s effective tools for managing your own finances and increased interest rates.