Rosgosstrakh bank deposits of individuals. Deposits of Rosgosstrakh Bank. Accumulation and safety of money

Rosgosstrakhbank provides the opportunity to place a time savings deposit in national currency without the possibility of increasing the principal amount and withdrawing money in part. You can open a deposit only within the framework of a comprehensive program - with the simultaneous registration of a savings and/or investment life insurance policy.

Features of deposits. When placing a deposit with Rosgosstrakhbank, the client needs to pay attention to the following features of the program:

Accrued interest is paid in a lump sum at the end of the contract term;
The maximum allowable amount depends on the amount of the premium when taking out the insurance policy;
You can obtain a deposit statement at any branch of the Bank, having with you a personal identification document;
When making a deposit, the client receives free SMS information;
Deposits with the Bank are not subject to automatic renewal under the terms of the primary agreement - extension is possible under the terms of a permanent deposit;
Premature termination of the contract is allowed, in which case the accrued interest is recalculated in accordance with the minimum rate;
The Client has the right to place any number of deposits with the Bank at the same time;
At a Bank branch, you can issue a power of attorney for one-time or permanent transactions to manage the deposit, as well as a testamentary disposition regarding the funds stored in the deposit account. The Bank does not charge a fee for processing documents.

How to open a deposit? You can place a deposit with Rosgosstrakhbank only by visiting a branch. The list of Bank divisions that provide the opportunity to register an investment product and related deposit is presented on the official website. When concluding an agreement, the client must have with him a general passport or other identification document, for example, a military personnel ID card or a temporary ID card of a citizen of the Russian Federation. On the Bank's website you can fill out an online application for a preliminary consultation by phone.

Closing the deposit and returning money. The deposit with Rosgosstrakhbank is closed on the last day of the agreement upon the client’s request, and the principal amount and accrued interest are returned. If the deposit is not claimed, it is extended at a lower interest rate. The client can close the deposit ahead of schedule; in case of premature termination of the contract, the accrued interest is recalculated at the minimum interest rate.

CONTRIBUTION	DURATION (DAYS)	PAYMENT OF INTEREST	REPLACEMENT	PREFERENTIAL TERMINATION	PARTIAL REMOVAL	MAXIMUM ANNUAL RATE (%)

1. Gosstrakhovsky VIP	91 – 732	at the end of the deposit period	–	–	–	7,60	1,50	0,50
2. Gosstrakhovsky	91 – 732	at the end of the deposit period	–	–	–	7,50	1,40	0,40
3. Cumulative	367 – 367	monthly, by transfer to a current account or a depositor's account opened with the Bank	+	+	–	7,00	1,20	0,30
4. Universal VIP	367 – 367	monthly	+	–	+	6,80	1,00	0,25
5. Versatile	367 – 367	monthly	+	–	+	6,70	0,90	0,15
6. Investment	91 – 367	at the end of the deposit period	–	–	–	8,50	–	–
7. Pension income	181 – 732	monthly by transfer to the current account or to the Depositor’s SCS opened with the Bank	+	–	–	7,20	1,30	0,35

Advantages of ROSGOSSTRAKH BANK deposits:

State-guaranteed safety of deposits worth up to 1.4 million rubles
High reliability ratings of the Bank
Possibility of additional insurance of deposits over 1.4 million rubles at Bank branches
Wide range of deposits
Competitive interest rates
Possibility of partial replenishment and withdrawal
Possibility of early termination on preferential terms
Automatic extension of the deposit upon expiration of the deposit term
Possibility of paying interest on a deposit to a bank card

Gosstrakhovsky VIP

Deposit term (days)		91-180	181-366	367-732
DEPOSIT CURRENCY	DEPOSIT AMOUNT	ANNUAL INTEREST RATE, %
from 1,000,000	7.10	7.60	6.60
$	from 15 000	0.50	1.50	1.50
€	from 15 000	0.20	0.50	0.50

Deposit terms:

Minimum deposit amount 1,000,000 rubles, 15,000 US dollars, 15,000 euros

Gosstrakhovsky

Terms of return on the deposit:

Deposit term (days)		91-180	181-366	367-732
DEPOSIT CURRENCY	DEPOSIT AMOUNT	ANNUAL INTEREST RATE, %
Ρ	from 5 000	7.00	7.50	6.50
$	from 100	0.40	1.40	1.40
€	from 100	0.10	0.40	0.40

Deposit terms:

Deposit currency rubles, US dollars, euros
The minimum placement period is 91 days, the maximum is 732 days
Minimum deposit amount 5,000 rubles, 100 US dollars, 100 euros
Deposit replenishment is not provided
Partial withdrawal of deposit is not provided
Payment of interest at the end of the deposit term
Prolongation is provided, taking into account the deposit rate in effect at the time of prolongation
Interest rate for early termination 0.1%

Cumulative

Terms of return on the deposit:

Deposit term (days)		271	367
DEPOSIT CURRENCY	DEPOSIT AMOUNT	ANNUAL INTEREST RATE, %
	from 5 000	6.90	7.00
$	from 100	-	1.20
€	from 100	-	0.30

Deposit terms:

Deposit currency rubles, US dollars, euros
Placement period from 271 days to 367 days
Minimum deposit amount 5,000 rubles/100 US dollars/100 euros
The minimum amount of additional contribution to the deposit is 5,000 rubles / 100 US dollars / 100 euros
Partial withdrawal of deposit is not provided
Payment of interest monthly, by transfer to a current account or a depositor's account opened with the Bank
Prolongation is provided at the end of the deposit term, taking into account the deposit rate in effect at the time of prolongation
Interest rate for early termination see scale

Interest rate scale for deposit termination:

		up to 90	91-180	181-270	271-366
CURRENCY	DEPOSIT AMOUNT*	ANNUAL INTEREST RATE FOR EARLY TERMINATION DEPENDING ON THE ACTUAL TERM OF FUNDS BEING IN THE DEPOSIT
Russian ruble,	from 5,000 to 100,000	0,10%	5,00%	5,50%	6,00%
	from 100,001 to 450,000	0,10%	5,25%	5,75%	6,25%
	over 450,001	0,10%	5,50%	6,00%	6,50%
US dollar, $	from 100 to 3,500	0,10%	0,10%	0,25%	0,50%
	from 3,501 to 15,000	0,10%	0,25%	0,50%	0,75%
	over 15,001	0,10%	0,50%	0,75%	1,00%
Euro, €	from 100 to 3,500	0,10%	0,10%	0,10%	0,10%
	from 3,501 to 15,000	0,10%	0,10%	0,10%	0,15%
	over 15,001	0,10%	0,10%	0,15%	0,20%

Universal VIP

Terms of return on the deposit:

Deposit term (days)		367
DEPOSIT CURRENCY	DEPOSIT AMOUNT	ANNUAL INTEREST RATE, %
	from 1,000,000	6.80
$	from 15 000	1.00
€	from 15 000	0.25

Note: In cases established by the legislation of the Russian Federation, personal income tax is withheld from the amount of income.

Deposit terms:

Universal

Terms of return on the deposit:

Deposit term (days)		367
DEPOSIT CURRENCY	DEPOSIT AMOUNT	ANNUAL INTEREST RATE, %
	from 30,000 to 299,999	6.60
	from 300,000	6.70
$	from 500 to 4,999	0.80
$	from 5 000	0.90
€	from 500 to 4,999	0.10
€	from 5 000	0.15

Note: In cases established by the legislation of the Russian Federation, personal income tax is withheld from the amount of income.

Deposit terms:

Deposit currency rubles, US dollars, euros
Placement period 367 days
Minimum deposit amount 30,000 rubles/500 US dollars/500 euros
Replenishment of the deposit is provided; additional contributions are accepted no later than 1 month before the end of the deposit period.
The minimum amount of additional contribution to the deposit is 1,000 rubles / 50 US dollars / 50 euros
Partial withdrawal of the deposit is provided, subject to maintaining the minimum balance* on the deposit
Payment of interest monthly
Interest rate for early termination 0.10%

Minimum balance - the smallest allowable amount for opening a deposit, is established at the time of concluding the deposit agreement and does not change upon prolongation.

Investment

Terms of return on the deposit:

The Deposit Insurance Agency only insures the amount of the deposit; the amount of the share(s) is not subject to insurance. Note: In cases established by the legislation of the Russian Federation, personal income tax is withheld from the amount of income.

Deposit terms:

The deposit is opened to clients subject to the simultaneous execution of an accumulative and/or investment life insurance agreement (hereinafter referred to as NSZh and ILI) with the company Rosgosstrakh-Life Insurance Company LLC or subject to the simultaneous acquisition of a unit (shares) of a mutual fund managed by Savings Management LLC . If the depositor has a previously acquired share(s), a bank deposit agreement is concluded when the depositor purchases an additional share(s) for an amount equal to or exceeding the amount of the deposit.

Deposit currency rubles
Placement period 91 days, 181 days, 367 days
Minimum deposit amount 98,000 rubles
Deposit replenishment is not provided
Partial withdrawal of deposit is not provided
Payment of interest at the end of the deposit term
Prolongation is not provided (extended under the terms of a demand deposit)
Interest rate for early termination 0.001%
The minimum placement period is 181 days, the maximum is 732 days
Minimum deposit amount 1,000 rubles / 50 US dollars / 50 euros
Replenishment of the deposit is provided no later than 3 months before the end of the deposit period
The minimum amount of additional contribution to the deposit is not limited
Partial withdrawal of deposit is not provided
Payment of interest monthly by transfer to the current account or to the Depositor’s SCS opened with the Bank
Prolongation is provided at the end of the deposit term, taking into account the deposit rate in effect at the time of prolongation
Interest rate for early termination 0.1%

Sources:

https://www.rgsbank.ru/personal/deposits/compare/

The integration of Rosgosstrakh Bank into the Russian financial and credit system began in 1994 after the reform of Rus-Bank. Today, the institution occupies 45th position in the ranking in terms of popularity of household deposits and 44th place in issuing loans. The bank provides services to small and medium-sized businesses and the public.

Almost 2 million Russians have already become clients of the bank, among them over 50% have placed their savings on time deposits.

Deposits for individuals in Rosgosstrakh Bank in 2016 are distinguished by stable rates, the ability to manage funds and a guarantee of state insurance of money in accounts.

Accumulation and safety of money

Today, the institution operates under the following programs for accumulating funds for private clients:

. Classic deposit "Gosstrakhovsky" - fixed term and deposit amount with the possibility of receiving additional profit. Program conditions: differentiated period from one month to 1080 days, rate for an account in national currency - 7.75-10.45% (maximum income of more than 450 thousand), in dollars - 0.25-3% and in euros - 0 .1-2.25%.

If the profitability threshold of the offer is exceeded, income tax will be withheld from the interest income received in favor of the state. The smallest contribution of a multicurrency deposit is 3,000 rubles, 100 in foreign currency. Deposits/withdrawals are not permitted; extension is subject to the conditions in force at the time of extension. Premature termination at the rate “On demand” - 0.1% per annum.

. "Cumulative" The deposit is the most managed in Rosgosstrakh Bank today. Multicurrency account for 271-1080 days, additional contribution in the amount of 1 thousand rubles/50 in foreign currency no later than 90 days before the end of the term, withdrawal before the end is not allowed, interest is transferred monthly to the client account. Interest on the “Accumulative” deposit of Rosgosstrakh Bank - depending on the period of provision of funds, 8.75-10% in rubles, 2.25-2.75% in dollars, 1.25-2% in euros. There is the possibility of preferential termination of the contract while retaining part of the interest.

. "Universal" contribution. Rates on this deposit of Rosgosstrakh Bank are from 9.5 to 9.65% (ruble), from 2.5 to 2.65% (dollar) and from 1.6 to 1.75% (euro currency). Replenishment, partial withdrawal of money and monthly capitalization are provided. Duration - up to 1 year 2 days. The minimum initial contribution is from 50 thousand in rubles, from 1500 in foreign currency (euro/dollar). The replenishment limit is from 1 thousand rubles and from 50 euros/dollars. There is an automatic renewal and monthly crediting of interest income to the account. If the contract is terminated early, the rate is reduced to 0.1%.

. Special deposit of Rosgosstrakh Bank for pensioners - "Pension income" . Deposit parameters: automatic renewal of the contract, increased profitability, monthly transfer of interest profits to the account, replenishment without restrictions, term - up to 36 months. Rates: 9-10.25% in rubles, 2.5-3% in dollars, 1.25-2.25% in euros. The minimum deposit period is 181 days, the amount of the contribution upon opening is 1 thousand rubles, 50 in foreign currency. Partial withdrawal is not permitted.

. "Multi-currency" - instant opening of deposits in three currencies. Rates: up to 9.25% in rubles, up to 2.25% in dollars, up to 1.5% in euros. Three placement periods - 181, 271, 367 days. Additional contributions - 1500/50 in rubles/currency. Partial cash withdrawals are prohibited; conversion of one currency to another is provided for no more than the invoice amount. Automatic prolongation at the request of the investor.

. "Prestige" - a highly profitable deposit in Rosgosstrakh Bank in 2016. Special conditions: minimum contribution from 3 million rubles, 100 thousand (dollar), 75 thousand in eurocurrency. There is no limit on additional contributions. Rates: up to 10.25/3/2.25% for ruble/dollar/euro.

Special deposits

In addition to regular time savings deposits, Rosgosstrakh Bank operates under the following programs:

. "Insurance" . The deposit is offered to the client when drawing up an insurance contract with a partner company. The initial amount is equal to the insured amount. Deposit currency is ruble, interest is 11.5-11.75% depending on the insurance period and for an amount of more than 1 million in rubles.

. "Investment" . Deposit funds are placed in mutual fund units. Terms: rubles, rates: 9.25-11.5%. Amount - from 25 thousand, period - 31-367 days. Not provided - replenishment, partial withdrawal, interest - at the end of the term. Extension does not apply.

Invoicing procedure

To open, you need to visit one of the bank's branches. Before this, select the deposit you need; the Rosgosstrakh Bank deposit calculator, located on the institution’s website, will help you calculate the profitability. To open, you will need a Russian passport, and additionally, a pensioner’s ID. In the office, the client fills out a questionnaire, which indicates personal data and contact information.

If you are already a bank client and have access to remote service channels (“Personal Account” in Internet banking), you can open an account without leaving your home. To connect, you must have a Rosgosstrakh Bank card.

When opening absolutely any deposit, the client can draw up a will or power of attorney on the account for any person with the presence of the latter (power of attorney). The power of attorney is issued only to adults.

Today you can find different reviews about Rosgosstrakh Bank deposits, but the overwhelming majority are positive. Clients note the bank’s high reliability, stability and competence, convenient remote service and an extensive regional network of offices.

Deposits in Rosgosstrakh Bank are special programs that help people protect and increase their savings, or start saving if previously their home circumstances did not allow this.

Types of deposits of Rosgosstrakh Bank

Today, Rosgosstrakh Bank's deposit line includes seven programs, including ruble and foreign currency accounts, deposits for pensioners and insurance policy holders, as well as standard options. If you want to open one of the deposits at Rosgosstrakh Bank, a person must first become familiar with all the options. What deposits does Rosgosstrakh Bank offer in 2018?

Gosstrakhovsky VIP.
Gosstrakhovsky.
Cumulative.
Universal VIP.
Universal.
Double benefit.
Pension income.

The conditions and interest rates for deposits are very different. Rosgosstrakh offers special and standard options, but you need to look not only at profitability, but also at the comfort and possibility of maintaining a deposit account.

Gosstrakhovsky VIP

This is the most profitable option for depositors, since the deposit has high interest rates. But in order to receive a large percentage, a person must invest well, because the minimum for opening here is 1,000,000 rubles, 15,000 dollars/euro. Receipt and expense transactions are prohibited, and interest is accrued at the end of the term, according to rate:

Gosstrakhovsky

The conditions of this deposit account are completely the same as the program described above, with the exception of the down payment. Here the requirements are more loyal - from 5,000 rubles, from 100 dollars/euro. Due to changes in these conditions, the Gosstrakhovsky contribution has slightly reduced rates:

Cumulative

The Rosgosstrakh deposit is designed for people who want to constantly deposit personal savings in small amounts into the account, since the deposit account can be replenished for the entire period, except for the last 3 months. A ruble account is opened for a period of 271 or 367 days, and a foreign currency account only for a year.

To open, you need to deposit a minimum of 5,000 rubles, 100 dollars/euro. It is not allowed to withdraw money from the deposit before the end of the term, but they are paid monthly interest according to the rate:

If the deposit is terminated early, the interest rate will be set individually depending on the actual time the funds remain in the bank and the amount on deposit. Updated figures can always be found on the bank's official website.

Universal VIP

Rosgosstrakh offers clients a replenishable deposit. It is for wealthy people and has such conditions:

1,000,000 rubles, 15,000 dollars/euro – amounts for the down payment.
It is allowed to make additional investments of at least 1,000 rubles, 50 dollars or 50 euros for the first 11 months.
The deposit is valid for one year exactly.
Interest is paid to the depositor monthly.
You can spend funds up to the minimum balance (set by the depositor together with the bank at the time of opening, and often equal to the amount of the down payment).

Rosgosstrakh Bank offers such deposit rates:

Universal

The conditions are duplicated according to the Universal VIP deposit, in addition to the minimum amount together with the minimum balance and interest rates, presented in the table:

Double benefit

An investment or savings life insurance policy must be purchased by a person from the partners of Rosgosstrakh Bank in order to be able to open this deposit account with the highest interest rate. A deposit can only be opened in rubles, and the minimum amount will depend depending on the type of insurance policy and the amount of premium:

100,000 – when taking out an NJ policy with periodic payment of contributions.
250,000 – when taking out an insurance policy or private life insurance policy with a one-time payment of the premium.

Double benefit deposit is not replenished, not spent and interest is accrued upon completion of the term, on which the rate depends:

Validity period (days)	Interest rate
91	6.9%
181	6.9%
367	5.95%

Pension income

For pensioners who do not regret withdrawing money from a deposit in Rosgosstrakh Bank, but only want to increase the balance through contributions, this is the most profitable option. The terms of the investment are as follows:

1,000 rubles, 50 dollars, 50 euros - the minimum for opening an account.
The amount for replenishment is not limited, but depositing money is prohibited for the last three months.
Interest is capitalized or paid into the account monthly.

Interest rates on the Pension Income deposit are quite high:

Deposits in Rosgosstrakh Bank will help you preserve and increase your capital. To obtain passive income in Rosgosstrakh Bank in 2019-2020 relevant three options: open the “Double Benefit” deposit ( 8,5% ), use the “Income Card” plastic card ( 7,25% ) or “Pension card” ( 5,5% ). Let's look at current conditions and interest for individuals. You can calculate your potential income using a convenient online calculator.

Important information: You can get advice and help in choosing by calling the Rosgosstrakh Bank hotline number. If after reading our review you still have questions or are unsure, which deposit to give preference to?, call the contacts listed at the end of the article.

Deposits in Rosgosstrakh Bank in 2019-2020

When choosing a bank to increase funds, you need to focus not only on the interest rate and term, but also on reputation financial institution.

Advantages of Rosgosstrakh:

The financial institution is among the top domestic banks in terms of the number of assets;
Interest rates are in line with average market trends;
It is possible to partially replenish or withdraw funds;
The client can terminate contractual obligations early on preferential terms;
When the deposit term has expired, the contract can be automatically extended;
The state ensures the safety of investments worth up to 1.4 million rubles;
The client can additionally insure an investment in excess of RUB 1.4 million;
You can receive interest on a plastic card.

"Double Benefit"

The deposit provides decent passive income thanks to a high interest rate - 8.5% per annum. Maximum income is possible when taking out life and health insurance.

This means that additional profit from placing savings can be obtained upon concluding an agreement cumulative or investmentlife insurance.

Basic terms of the deposit:

To register a bank deposit, it is enough to provide one document - a passport of a citizen of the Russian Federation.

Design algorithm:

Contact the Rosgosstrakh branch with your passport or leave an online application.
Conclude a life insurance contract.
Conclude an agreement to open a deposit.
Deposit the amount into the account.
If necessary, draw up a power of attorney or will.

Rosgosstrakh deposit calculator

Deposit amount

₽

Interest rate

Deposit term

month

Monthly interest

are reinvested
are removed

₽

"Income card"

Free plastic, which allows you to receive interest on your account balance, comparable to the income from the deposit. Advantages:

Withdrawal, replenishment - without reducing the rate;
Tangible interest on the balance from 3 thousand rubles;
Service is free;
Release - instantly, according to your passport;
Free replenishment;
Interest capitalization every month;
Contactless payment function;
A large list of partners providing a discount upon payment;
Free mobile and online banking.

Interest calculation table:

Design algorithm:

Go to the branch with your passport.
Receive the product in 5 minutes.

Important: The plastic is released instantly, so there is no owner's name on the surface. The client has the opportunity to order dubbing indicating the name. To do this, you will have to wait 10 days (during this time the client can use an unnamed product).

As in the case of deposits, the state guarantees automatic insurance of amounts up to 1.4 million rubles. Income on the account for the reporting period is accrued on the last calendar day of the reporting month.

You can deposit savings on plastic at ATMs, at the ticket offices of Rosgosstrakh, through the Qiwi terminal or using online banking. No cashback provided, but this is compensated by income for storing funds in the Rosgosstrakh account.

"Pension card"

Pensioners have the opportunity not only to receive a pension on a Rosgosstrakh plastic card, but also to receive a good income for it - 5.5% per annum for a balance over 20,000 ₽.

Advantages of opening a “Pension Card”:

Receipt on the day of application;
Cashback 3%(money back) from spending in pharmacies (when paying with plastic);

Important: TO Ashback for purchases in pharmacies cannot exceed RUB 1,000 monthly.

Interest accrued on the balance every month;
Discounts from Rosgosstrakh partners;
Free internet banking.

Design algorithm:

Go to the branch with your passport, pension certificate, SNILS.
Fill out the required paperwork.
In a few minutes you will receive bank plastic.

Important: To receive pension payments on a Rosgosstrakh card, you must contact the regional office of the Pension Fund of the Russian Federation with an application. It will require you to indicate the details of your “Pension Card”.

If a citizen has left less than three months before retirement, he has the right to apply for plastic in advance. In this case, all that remains is to provide the details to the Pension Fund in order to receive your pension directly to this card.

If the average monthly account balance is more than 20,000 ₽, then the amount exceeding 20,000 ₽, interest is charged (rate 5.5%). For example, the balance is 29,500 ₽ - in this case5.5% per annum accrued for the amount of 9,500 ₽.