Which deposit is better for individuals to open in Belagroprombank? Current offers on deposits in foreign currency at Belagroprombank Term deposit Standard

Choosing a bank deposit is always the most important stage for any depositor, because it will determine how much profit your own savings will bring and whether they will cover the level of inflation. In Belarus, one of the popular banks is Belagroprombank, and its deposit offers are in no way inferior to the programs of large Russian banks such as Sberbank, Rosselkhozbank and others. Let's try to figure out what Belagroprombank deposits are available for individuals today and their parameters.

Growth line 3.0

This is a deposit product that provides a lot of opportunities for its clients and ensures maximum growth of their own investments. According to the terms of the banking application, you can open an account in any currency, namely dollar, euro, Russian and Belarusian rubles, the minimum amount is 10/10/500/10 units for each currency, respectively.

Regardless of the deposit currency, the validity period of the deposit agreement is 35, 95, 185, 280 days. The interest rate depends on the term of placing money in the account and the currency. For Belarusian rubles and the minimum value is 4% per year for a period of 35 days, it increases by 0.5 points for each subsequent period. For Russian rubles, the minimum rate is 3% for a period of 35 days, it increases by 0.5 points for each subsequent period. For deposits in dollars and euros, interest rates are distributed as follows: 0.3/0.5/0.8/08 points for each term, respectively.

Interest is paid monthly on the day the funds are received into the deposit account.
As for the automatic extension of the contract, extension is possible for contracts concluded for a period of 35 and 95 days. But if the contract is concluded for 35 days, then it can be automatically extended 8 times, if for 95 days, then only twice, and contracts concluded for a period of 185 and 200 days are not subject to automatic renewal at all. By the way, the peculiarity of this deposit offer is that the deposit account can be replenished with amounts ranging from 1 Belarusian ruble to 5 dollars and euros, 100 Russian rubles.

Growth line 3.0 above year

This is similar to the previous offer, with the only difference being the terms of placement of funds and annual interest. Deposit currency is Belarusian rubles, dollars, euros, Russian rubles, the minimum investment amount is 10, 10, 10, 500 units. Among other things, the deposit is replenished, the minimum investment amount is from 1 Belarusian ruble, 5 dollars or euros, or 500 Russian rubles.

The interest rate depends entirely on the term and currency of the deposit. By the way, as for the terms, they are 370, 735 or 1110 days. Now let's return to the issue of interest rates; the minimum value for an account opened in Belarusian rubles is 8% for the minimum term, then the annual values increase by 0.5 points for each term, respectively. The minimum interest for dollars and euros is 1.65%, which increases as the term increases by 0.05 points. For deposits in Russian rubles, the rate will be fixed at 5% regardless of the term of the agreement.

Please note that for this deposit offer, the extension of the agreement for the next term is not provided for by the bank’s terms and conditions.

Time deposit Standard

If you are looking for profitable deposits in Belagroprombank in foreign currency, then this offer will be just it. According to the terms of this offer, a depositor can open a deposit account in 3 currencies: Belarusian rubles, dollar/euro or Russian rubles. The investment amount is 50 Belarusian rubles, dollars or euros, or 3000 Russian rubles. The terms of the agreement do not provide for early receipt of cash. The contract terms are 95, 185, 37, 735 days. Account replenishment is allowed in the amount of 1 Belarusian ruble, 5 dollars/euro or 100 Russian rubles, depending on the deposit currency.

The annual return on a deposit depends on several factors: for a contract with a variable interest rate, the annual value will depend on the term and currency. For domestic currency, the annual value will be distributed as follows: 95 days - 7%, 185 - 8%, 370 - 10%, 735 - 11.5%. For dollars in euros, the annual profit is distributed as follows: 95 days - 0.8%, 185 - 1.3%, 370 - 2.4%, 735 - 2.5%.

For contracts with variable interest rates, profit is distributed as follows depending on the duration of the contract and the currency of the deposit. Deposit in Belarusian rubles: 95 days - 6%, 185 - 7%. for Russian rubles: 95 – 185 days 5%, 370 – 735 days – 6%. For accounts in foreign currencies (dollars and euros), the rates are as follows: 95 days – 0.8%, 185 days – 1.3%, 370 – 735 days – 2%.

Automatic renewal of the contract for the next term within the framework of this offer is not provided for in the terms of service.

25 years together

As part of this offer, you can also open a deposit in domestic currency, dollars, rubles and euros. The minimum deposit amount is 100 units of Belarusian rubles, dollars or euros, or 5000 Russian rubles. The contract period is 370 days. This deposit offer provides for capitalization of interest, every 10 days, if the deposit reward has not been received by the depositor. The interest rate depends on the deposit currency and is distributed as follows:

Belarusian rubles - 4.5%;
dollar and euro - 0.8%;
Russian rubles - 4%.

As for other conditions, the deposit can be replenished with an amount from 1 Belarusian ruble, 5 dollars and euros, and 100 in Russian rubles. Partial cash withdrawals are not provided, with the exception of interest already accrued. Prolongation is not provided; if at the end of the contract the deposit remains unclaimed by the depositor, then the entire amount of his savings will be transferred to the account “on demand”.

Please note that within the framework of this offer, for the first 95 days of the deposit agreement, profit will be accrued at the “on demand” rate, that is, 0.01% per annum, then profitability will depend on the currency of the deposit.

"@GRO"

This is a specialized deposit offer for Belagroprombank clients, because opening a deposit is possible if you have a payment card linked to the client’s current account. Accordingly, the deposit currency will be the same as the open bank account. And you can open a bank account in national and foreign currency. The minimum investment size is 50 Belarusian rubles, 25 dollars or euros, 2000 Russian rubles.

Please note that only individuals – Internet banking users – can become depositors under this program.

The terms for placing funds are 35, 95, 185 and 370 days. The annual yield was distributed depending on the term and currency; the bank accrues interest on an account in Belarusian rubles as follows: 35 days - 4.5%, 95 - 6.5%, 185 - 7.5%, 370 - 9%. For deposits in dollars or euros: 35 days – 0.5%, 95 – 1%, 185 – 1.4%, 370 – 1.9%. For a deposit in Russian rubles: 35 days – 4%, 95 – 5%, 185 – 5.5%, 370 – 6.5%. According to the terms of service, the account is replenished; additional amounts can be deposited through Internet banking. You cannot withdraw cash, interest is paid at the end of the contract, capitalization is carried out monthly.

"Care"

From previous deposit products we can conclude that Belagroprombank’s deposits in Belarusian rubles have a higher profitability compared to others. The “Care” deposit is available to bank clients only in national currency. The peculiarity of this offer is that the term and rate for it are fixed. The period for placing funds is 370 days, interest is 8% per year. You can replenish your deposit and withdraw cash only within the accrued interest limits. The minimum amount is 10 Belarusian rubles.

Pension and demand deposits

In addition to profitable irrevocable deposits, you can open current accounts and a pension deposit with a minimum return at Belagroprombank. As for the pension deposit, this is, in fact, a current account available to citizens of Belarus of retirement age, which can only be opened in the national currency. Interest rate is 0.1%, profit is accrued monthly. You can top up your account and withdraw cash without restrictions.

Please note that a current account for pensioners can be opened to transfer social security payments.

A demand account is designed for a wider audience; it is needed for storing and moving funds; it can be opened in different currencies: Russian and Belarusian rubles, dollars or euros. Interest rate is fixed for everyone: 0.01%. There are no restrictions on depositing or withdrawing cash. By the way, it is to such accounts that unclaimed deposits end up at the end of their validity period, without the possibility of extension. And the interest rate will apply if the deposit is withdrawn early.

Methods for replenishing your deposit

As you can see, almost all deposits in Belagroprombank are replenished, so the question of how to replenish them is always relevant for the client. In fact, there are not many ways to replenish an account; more precisely, the client has only three options:

through a bank cash desk;
through self-service devices;
non-cash transfer from a bank card account through the online Internet banking service.

By the way, to make a transfer to a deposit account you need to know its number (it is indicated in the service agreement), the surname, name and patronymic of the depositor and the number of the bank division where the agreement was concluded.

Thus, every resident of Belarus can open foreign currency deposits in Belagroprombank, but they are not highly profitable, although it is possible to receive additional income from exchange rate differences in the event of a jump in the value of foreign currency. The most profitable accounts can be opened only in Belarusian rubles, because it is for them that the annual interest can reach 11.5% per annum.

Today, in 2016, offers on deposits in banks of the Republic of Belarus are in no way inferior in terms of profitability to Russian, Moscow, various offers from Sberbank and other popular banks.

OJSC Belagroprombank has been operating for 20 years and is included in the TOP 1000 best banks in the world, and also has 18th position in the list of the 25 largest banks in Eastern and Central Europe.

Deposits in Belagromrombank in foreign currency - interest on deposits

Belagroprombank offers several options for various categories of citizens in Russian and Belarusian rubles, dollars and euros.

Online contribution "@gro"

The currencies in which you can make a deposit under this program are Belarusian rubles, dollars, euros and Russian rubles. In this case, the minimum deposit amount is 50 Belarusian rubles, 25 dollars, 25 euros or 2 thousand Russian rubles. Partial withdrawals are not provided, but you can replenish the deposit if you wish. You can make a deposit for a period of 95 to 185 days, and the interest rate will be as follows:

15.5-16% for Belarusian rubles;
2.5-3% for dollars and euros;
10-12% for Russian rubles.

If you want to withdraw money from the deposit ahead of schedule, interest will be accrued at the “On Demand” rate, which means that part of your earnings will be retained. But the most important thing about the deposit is that you can make it without leaving your home, right on the Internet.

Deposit "Standard"

This is a fixed-term irrevocable deposit. Minimum deposit amount: 50 Belarusian rubles, 50 dollars or euros and 3 thousand Russian rubles. It is possible to replenish the deposit, but partial withdrawal of the amount is not possible. If you want to make a deposit in Belarusian rubles, then you will expect an interest rate of 17-20.5%, if in dollars and euros - 2.5-4%, and if in Russian rubles, then your profit will be 8-12% per annum, while in foreign currency the terms are in the range of 95-735 days. Such conditions can rival.

Contribution “25 years together”

The minimum amount of this special deposit is 100 Belarusian rubles, 100 dollars or euros and 5 thousand Russian rubles. The interest rate depends on the period - fixed and variable. The period that you can determine for yourself ranges between 95 and 370 days. At the same time, the highest interest rate will be for Belarusian rubles - 16%, for dollars and euros - 2.8%, and for Russian rubles - as much as 12%, which is quite a lot for a foreign currency. Interest on the deposit is accrued every 10 days, which is very unusual for deposits. It is also possible to replenish the deposit, but, unfortunately, partial withdrawal of money from the account is not possible. If you want to terminate the contract ahead of schedule, you will receive interest at the Demand Deposit rate for a period of up to 95 days. And in the period from 95 to 370 days you will not lose interest at your own rate, which significantly adds to the advantages of the “25 years together” deposit.

Contribution “Growth Line 3.0. Up to a year"

This deposit has a minimum amount that will pleasantly please those who want to make money, but do not have an impressive amount of capital. After all, it is only 10 Belarusian rubles and 10 each for the dollar and euro, and for Russian rubles the minimum amount is only 500 units. The storage period can range from 35 to 280 calendar days, and interest rates for Belarusian rubles are 14-16%, for dollars and euros - 1.5-3%, and for Russian rubles - 8-11%. Earnings in the form of interest are accrued every month and paid in cash or through bank transfer. Replenishment of the deposit is allowed, but partial withdrawal of funds is not allowed. Prolongation and early termination of the deposit are available at the “On Demand” tariff.

Contribution “Growth Line 3.0. Over a year"

The conditions for the deposit are the same as in the previous one. But interest rates are fixed at maximum levels, namely: 16% for Belarusian rubles, 3% for dollars and euros and 12% for Russian rubles.

Current bank account

The current bank account of Belagroprombank is designed to provide it for storing and crediting funds. By opening this account, you can:

transfer money to a current account;
transfer money from a current account to any other, including the bank itself;
receive cash from a current account;
carry out other operations that do not contradict the legislation of the Republic of Belarus.

For Belarusian rubles the rate is 0.5%, for dollars, euros and Russian rubles - 0.1%.

Advice: If your initial goal is the convenient accumulation of funds with the possibility of constant replenishment, withdrawal, transfer, payment of bills and other transactions, then the current bank account offer is for you.

Deposit "On demand"

The Demand Deposit seems to have been created specifically for those who do not want to bother their heads with numbers and have the risk of early withdrawal of funds. In addition, the deposit conditions are very simple. You can open an account for any amount in any currency offered. At the same time, in standard Belarusian rubles the interest rate will be 2%, and in foreign currency 0.1%.

Deposit in Belagroprombank for pensioners

For pensioners, Belagroprombank has developed a special deposit on favorable preferential terms. All a pensioner needs to open a deposit is to confirm his social status, that is, to present documents confirming his right to benefits. However, the “Pension” deposit at 2% per annum, unfortunately, does not imply an account in foreign currency.

Over the past few years, Belagroprombank has acquired the main features of a diversified credit institution. His clients include not only individuals, but also large enterprises from various industrial sectors. At the moment, interactions with other financial organizations are clearly established.

Many people consider Belagroprombank deposits as an additional source of income. The institution has developed a large number of special programs for them.

"Maximum"

One of the interesting offers for individuals is the fixed-term irrevocable deposit “Maximum”. It does not provide for any special conditions or benefits for certain categories of citizens. The main term depends on the monetary units in which the account is opened. Interest is added to the principal amount of the deposit or transferred to the account.

Options	Currency
Options	Belorussian rubles	Russian rubles	American dollars	Euro
Rate in percent	11,5	7,5	2,6	1,6
Minimum amount	1000	30000	500	500
Duration in days	370	735	735	735
Possibility of replenishing your account	No	Eat
Expense transactions	Not provided

Attention: In addition, you can familiarize yourself with . The institution is the largest in Belarus.

"Maximum Plus"

Of all the deposits of Belagroprombank, this one should be highlighted. An account is opened by means of a non-cash transfer of funds. There are three major currencies available to consumers. The accrued interest is added to the amount that was deposited when opening the account.

Options	Currency
Options	Russian rubles	U.S. dollars	Euro
Interest rate	8	3	2
Minimum amount	100000	1000	1000
Duration in days	735
Possibility of replenishing your account	Absent
Withdrawals under the program	Impossible

Important: to find, you need to compare several programs with each other at once, and then select the offer that implies the highest rate.

"@gro"

To open a deposit, it is proposed to use a remote method. There is no need to visit a bank branch, just go to the website and make a deposit in 5 steps. The timing of this program varies. Consumers can choose the most suitable time period. As the period increases, the rate increases.

Options	Currency
Options	Belorussian rubles	American dollars	Russian rubles	Euro
Set bet size	5-8	0,7-1,6	3-4,1	0,2-0,5
Minimum amount	50	25	2000	25
Duration in days	35-370
Refill	Allowed for deposits with a period of 95-370 days
Partial claim of money	Not provided

"@gro irrevocable"

Another option with the possibility of remote opening. It differs from the previous Belagroprombank deposit in higher rates. As for the other conditions, they are very similar. However, it should be noted that in this case there is no possibility of replenishing the set.

Options	Currency
Options	Belorussian rubles	U.S. dollars	Russian rubles	Euro
Bet range	5,5-11,5	0,7-2,6	3-6,5	0,3-1,8
Minimum amount	50	25	2000	25
Duration in days	35-370
Deposit replenishment	Impossible
Expense transactions	Not allowed

For your information: not so easy to find. There are a huge number of banking offers on the market that have completely different conditions and rates.

"Standard"

Within an existing deposit, the interest rate can be variable or fixed. You can choose one of four available monetary units. When opening a deposit for a longer period, it is possible to replenish the account.

Options	Currency
Options	Belorussian rubles	Euro	American dollars	Russian rubles
Fixed rate	6-7	0,4-1	0,6-2,1	4,5-5
Variable rate	9,1-11,5	0,6-1,8	0,9-2,7	4,5-6,5
Minimum contribution	50	50	50	3000
Term at a fixed rate (in days)	95-735
Term at variable rate (in days)	95-1110
Deposit replenishment	Provided only for periods of 735 days
Withdrawing money under the program	Not allowed

On a note: Although the American dollar is not , it is in demand in many countries. This monetary unit occupies a leading position in liquidity.

“Growth line 3.0. Up to a year"

Considering the deposits of Belagroprombank, one cannot help but highlight the improved savings program, which opens up new opportunities for clients. Interest on the deposit is paid in cash or by transfer to the specified account.

Options Currency
Belorussian rubles U.S. dollars Russian rubles Euro
Deposit rate 4-7,9 0,6-1,2 2-4 0,1-0,3
Minimum contribution 10 10 500 10
Duration in days 35, 95, 185 and 280
Possibility of replenishing your account Available for deposits for a period of 95 days or more
Carrying out expense transactions No provided
“Growth line 3.0. Over a year"

The deposit is similar in many respects to the previous option, but the terms in this case are significantly increased. As for interest charges, they are added monthly to the principal amount or transferred to the account reflected directly in the application.

Options Currency
Rubles RB U.S. dollars Russian rubles Euro
Interest rate 8 1,5-2 4 0,4-0,5
Minimum contribution 10 10 500 10
Duration in days 370, 735 or 1110
Depositing money after opening an account Maybe
Partial withdrawal Not allowed
Interesting: the listed deposits can be compared with . The institution offers special programs with additional opportunities for individuals.

"Care"

For older people who receive state benefits and pensions, Belagroprombank offers a special product. The deposit is available to clients at the place of registration of the “Zabota” pension account. Only Belarusian rubles are used as the base currency.

Basic conditions:

fixed rate - 7,9% ;

The minimum available amount is 10 rubles of the Republic of Belarus;

the standard storage period for money is 270 days;

account replenishment is possible within 235 days after opening a deposit;

partial recovery of funds is acceptable.

Additionally: for comparison you can take . Within the framework of the developed programs, there are quite attractive offers for the majority of consumers.

"Deposit card"

When registering a deposit account, a MasterCard Standard plastic card is issued. Money can be stored on the card both in Belarusian rubles and in American dollars or European currency.

Conditions for opening a deposit:

bid - 4% when stored in rubles of the Republic of Belarus, 0,7% - in US dollars, 0,1% - In Euro;

the minimum amount is 100 units for all currencies;

the card is valid for 315 days;

period - 360 days;

account replenishment is allowed using a card;

There is a possibility of partial withdrawal of money.

Let's sum it up

It can be noted that there are quite a lot of options for opening Belagroprombank deposits, so most consumers will be able to find the optimal solution for themselves. Offers with higher rates deserve special attention, since in this case you will be able to get the highest income.

The option of a deposit card may be suitable for many clients. With its help, it is possible to carry out incoming and outgoing transactions, which is very convenient for citizens.