Promsvyazbank interest rates per year. Promsvyazbank deposits in. Are Promsvyazbank deposits insured for individuals?

Even in a crisis, you can always find additional sources of income, especially if you already have certain savings and savings. So where? For example, in small business. It’s risky, but often justified if you approach it wisely. There are other ways. One of the simplest is deposits that will bring you passive income, and will make your money earn money for you. You can do, you can also open, Sberbank, VTB24 and other popular organizations. But don’t forget about the services of Promsvyazbank, because it offers favorable and convenient conditions.

Promsvyazbank - deposits for individuals in 2016, interest on deposits

In 2016, Promsvyazbank offers several different options for profitable investment of money with different conditions, which you can choose specifically for your case.

Contribution "Welcome!"

The deposit is classic and its undoubted advantage is the ability to replenish the first 50 days after opening, and the minimum amount of additional contribution is not limited. At the same time, they promise an interest rate of up to 11% per annum in rubles and a minimum amount of 10 thousand rubles, and a maximum of 20 million rubles. However, unfortunately, there is no other currency available. Conveniently, you can open a deposit not only at the bank’s office, but also while sitting at home on the Promsvyazbank website. During the entire deposit period, you will be divided into several periods, and each period will have its own rate. Deposit extension is available no more than 3 times. If it happens that you want to terminate the contract early, you will not lose interest, however, it will decrease and will be accrued at the “Demand” deposit rate.

Deposit "Solid Interest"

Well, a solid percentage is built on a large amount of money. Minimum - 50 thousand rubles. The interest rate is up to 10% and also only in rubles. However, unlike the previous option, the deposit is non-replenishable and does not provide for expense transactions. Like all the others, this one can be opened both in the office and on the website. In case of early termination, the benefit will be equal to half the interest rate. The deposit has some advantages that make it special:

A deposit of 100 thousand rubles or more opens up the opportunity to use the “Your PSB” service for free, namely, open a card with a 10% return on purchases using it. Online bank transfers up to 10 thousand rubles.
From 500 thousand rubles - you can take advantage of the “Your PSB Plus” privilege, which means you can also receive a bonus in the form of 10% on purchases and make transfers up to 15 thousand rubles.
From 1 million - “Your PSB Premium” privilege. 10% of purchases and up to 20 thousand - transfers.
From 2 million - the Orange Premium Club program - a premium service program that includes some non-banking privileges.

Deposit “Maximum Opportunities”

Similar to the interest rate, for this deposit it will be equal to 9%. However, this service is only suitable for fairly wealthy people, since the minimum amount is as much as 150 thousand rubles. But at the same time, you get the possibility of replenishment and the possibility of expense transactions without losing interest. Currency here is only available in rubles, and you can also draw up an agreement both in the office and on the bank’s website. And early termination of the deposit threatens with tariffication for the “On Demand” deposit. The same privileges apply as in the previous version.

Contribution “My Opportunities”

Unlike the previous ones, this deposit can be opened in rubles, dollars and euros. The interest rate will be up to 7.84%, 1.47% and 0.35%, respectively. The minimum amount is 50 thousand rubles, and the maximum is 20 million rubles or 500 thousand dollars or euros. It is possible to replenish and partially withdraw without losing interest. When prolonging, add 0.5%.

Deposit “Multi-currency basket”

The main difference from all other deposits is the ability to open in three currencies at once. The minimum amount is only 10 thousand rubles at a rate of up to 7.85% for rubles, 1.6% for dollars and 0.3% for euros. Deposits and partial withdrawals are possible without loss of interest.

Deposit “My piggy bank”

The “My Piggy Bank” deposit offers a fairly favorable interest rate, namely: 8.91% for rubles, 1.71% for dollars and 0.45% for euros. Payment of interest at the client's discretion, with the possibility of replenishment. The interest rate is expected to rise with the growth of savings.

Savings account “Simple rules”

“Save and save money simply!” - this is the slogan of this program. She offers an interest rate of 6.5% for rubles. In this case, the account is opened for any period, and deposits and withdrawals are offered without loss of interest. There is capitalization of interest.

Promsvyazbank deposits in 2016 for pensioners

Even with a small pension and small savings, you can open your own deposit and receive additional income - this is what representatives of Promsvyazbank think. Depending on the size of his savings and preferences for how long the money will work, a pensioner can open a deposit to suit every taste. But on the plus side, Promsvyazbank has developed a special program for this category of citizens with very favorable conditions, and it is called “My Pension”. Such a deposit can be opened in one of three currencies - rubles, dollars or euros. Interest rates will, of course, vary - 8.94%, 1.62% and 0.45% respectively. The deposit is replenished and is opened upon availability of a pension certificate to confirm the right to special benefits. Interest is paid at the client's discretion, and renewal occurs automatically up to three times.

Advice: The best deposit option for you will be the one that will not force you to sit without money and wait for the deposit agreement to expire. This means that you need to determine whether you can not need extra money, and based on this, choose the term of the deposit or an advantageous offer for early termination of the contract.

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A legal and very profitable option for receiving passive income today is a bank deposit. Moreover, you can make this deposit not only in popular banks, but also in specialized organizations. However, among the largest banks, Promsvyazbank looks confident, reliable and solid with its deposits at high interest rates and very profitable withdrawals in case of unforeseen situations and early termination of the contract. This means that when choosing this organization, you will not only preserve your savings, but also increase them.

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Promsvyazbank offers the best deposits for individuals for 2015-2016 (maximum interest - up to 13.5% per annum), with various conditions and favorable rates.

All deposits are insured, there is a very profitable program for pensioners with a rate of 9.59% per annum.

Opening a deposit will not be difficult; on the official website of Promsvyazbank you can leave an online application for the program you like (review of all deposits, read on...).

1. “Jubilee” deposit with maximum interest

If you want to open a deposit at the maximum interest rate, then “Yubileiny” is what you need.

The deposit is opened only in rubles, the rate is up to 13.5% per annum.

In order to open a deposit, you need to contact any branch of Promsvyazbank, with a Passport or other document that verifies your identity.

The deposit amount is from 50 thousand to 20 million rubles, the deposit can be replenished, by the way, the minimum replenishment amount is not limited.

The deposit can be opened for up to 250 days. The rate is calculated as follows (interest periods of accrual): 1-50 days - 13.5%, 51-100 days - 12.0% per annum, 101-250 days - 10% per annum.

A deposit can be opened in favor of third parties.

The program of this contribution is no longer relevant...(12/2/2015)

2. The “My Pension” deposit from Promsvyazbank is the best for pensioners

This deposit can be opened in three currencies: rubles, dollars, euros.

Interest is paid either to a bank account on a monthly basis, or is capitalized and issued at the end of the term.

The deposit cannot be opened for third parties; it can only be opened upon presentation of a pension certificate.

The minimum amount for a ruble deposit is 3 thousand rubles, the maximum interest is 9.35% per annum, the deposit can be opened for a period of up to 2 years.

Currency	Initial sum contribution	Annual interest rate (in%):
		Deposit term in days
		181	367	731
Russian rubles	from 3000	8.65 / 8.50	8.95 / 8.60	9.35 / 8.60
U.S. dollars	from 500	1.50 / 1.50	2.53 / 2.50	2.56 / 2.50
Euro	from 500	1.10 / 1.10	2.12 / 2.10	2.19 / 2.15

Update: 12/2/2015

3. “Simple Rules” deposit – the most convenient deposit

The deposit is opened in rubles, dollars or euros. There are no term limits; you can multiply your money for five or ten years.

The minimum balance (irreducible) is not set, you can withdraw from the account as much as you want.

You can save interest on the account or withdraw it monthly.

In general, the “Simple Rules” deposit is freedom in all deposit parameters: terms, replenishment, withdrawal, etc., but there is one minus, the interest on the deposit is not very high - from 2.50 to 6.00% per annum.

In Promsvyazbank it is possible to place a savings deposit with the possibility of increasing the principal amount. The Bank has also developed a program for spending and accumulating deposits; it can be placed in both national and foreign currencies. The maximum interest rate is set for a savings deposit, which can be opened as part of a comprehensive product when taking out investment life insurance.

Features of deposits. When placing a deposit, the client must pay attention to the following features of Promsvyazbank programs:

It is possible to increase the interest rate if the deposit is made using remote channels. Supplements are also provided for pensioners and Bank clients who are owners of the Premium or Orange Club service package;
It is possible to register a deposit in favor of a third party; for this, the representative must visit a Bank branch;
Placing a deposit in the amount of 1 million rubles. or in an equivalent amount in foreign currency is possible only by personal contact at the Bank’s office;
For most types of deposits, it is possible to auto-renew them under the terms of the primary agreement, but no more than 3 times;
Premature termination of the deposit agreement is permitted. Some programs provide for a preferential procedure for early termination - interest is recalculated at 1/2 the rate established by the agreement;
When making a deposit, the client can receive a package of Bank services as a gift; the category of the bonus service program depends on the amount of the deposit placed. This offer is not available for all Bank programs.

How to open a deposit? You can place a deposit in Promsvyazbank in the following ways:

At the Bank branch. To conclude an agreement, the client must have with him an identification document: a general civil passport of the Russian Federation, a military ID card, a temporary ID card (form N 2P), etc. Foreign citizens are required to provide a national passport, residence permit and migration card. When contacting the Bank, a representative is required to provide a notarized power of attorney, as well as passport data of the person in whose favor the deposit is being opened. You can deposit funds in cash at the cash desk or by transfer from any account with the Bank;
Remotely using Internet banking - available to existing clients of Promsvyazbank who have entered into a remote service agreement with the Bank. To open a deposit in the Internet banking menu, you must select the “Deposits” - “Open deposit” tab and confirm the operation. The necessary funds can be credited from any personal account with the Bank;
Using a Bank ATM – within the framework of the “My Income” program. Available to Bank cardholders. The required amount is deposited non-cash using an ATM.

Closing the deposit and withdrawing money. The deposit is closed and funds are returned on the last day of the deposit term. If the deposit is not claimed at the end of its term, it is automatically extended according to the terms of the primary agreement, but no more than 3 times. Premature termination of the deposit agreement is allowed, in which the accrued interest is recalculated at the demand deposit rate. Some programs offer a preferential procedure for early closure of a deposit while retaining part of the interest. 

Undoubtedly, every person strives to increase his capital using various types of tools for this. The official websites of existing banks are full of investment offers for individuals. The banking system notifies clients about modern and current offers on favorable terms.

At the moment, Promsvyazbank remains the leader among other banks. Its main advantage is stability, since in the financial services market it has established itself as a reliable assistant for many people. Addresses in Kaliningrad, Voronezh, Cherepovets, Nizhny Novgorod, Krasnodar, Syzran, in Omsk, Rybinsk, Penza, Novosibirsk, Tula, Krasnoyarsk, Sarov, Krasnoyarsk, St. Petersburg, Smolensk, Moscow, St. Petersburg, Yaroslavl, Cheboksary, Dimitrovgrad, Tolyatti , Chelyabinsk and Irkutsk look below.

Promsvyazbank deposits in 2016

For pensioners

For older people, a completely new program was launched in 2016, which has favorable conditions and offers. Everything is as simple and clear as possible. Transparency guaranteed.

1. Deposit rate "Favorable pension". All that is needed to complete paperwork at rates is a pension deposit. Every month you will be able to receive your income in the form of interest. The minimum amount is only 3000 rubles. You don’t have to worry - the investment will automatically continue unless you express a desire to close it. If we talk about the percentage benefit, then it is 9%. Deposit term – six months, one year.
2. Pension benefit. This is the shortest of all types of investments. Issued for a minimum period of 30 days to 90. Interest is 11 units. But the minimum amount here is already growing and is about 10,100 rubles. As for extending the terms, it is possible to use the service no more than three times.
3. Easy rules. This can be said to be the easiest way to get interest on pension payments. This is a current account that can be replenished every month and simultaneously make expenses and account transactions. The income you will receive is 11%. Minimum investment - 5000 rubles.

In 2020, Promsvyazbank offers to open profitable deposits for individuals at high interest rates. Let's look at what rates ordinary investors, pensioners and premium clients can claim today.

Promsvyazbank is one of the top 10 largest banks in Russia and is a universal commercial bank whose history goes back 20 years. It was recognized by the Central Bank of the Russian Federation as one of the financial institutions.

Promsvyazbank branches operate in Moscow, St. Petersburg, Krasnodar, Nizhny Novgorod and many other cities of Russia. Promsvyazbank's regional network includes more than 300 offices, more than 10,000 ATMs (including ATMs of partner banks) and more than 200 self-service terminals throughout the country.

Promsvyazbank was chosen as a support bank for the implementation of state defense orders and support of large government contracts, providing a full range of services to retail and corporate clients, small and medium-sized businesses, the website reports.

Promsvyazbank deposits for individuals are insured by the state, which means the depositor can always count on compensation in the amount of up to 1.4 million rubles.

Promsvyazbank deposits for pensioners: increased rates

Pensioners can apply for any of the deposits offered by Promsvyazbank under general conditions. But today the bank’s line of deposits also includes special offers for women over 54 and men over 59. They can get surcharge to the interest rate of + 0.1% when opening or prolonging deposits: “My income”, “My piggy bank” and “My opportunities”.

Promsvyazbank 2020: interest on deposits of individuals

In 2020, Promsvyazbank deposits for individuals can be opened in rubles, dollars and euros, depending on the strategies for accumulating funds. Today, pensioners have increased rates on the “My Piggy Bank” deposit, and there are special deposits for premium clients. The website has compiled an up-to-date overview of Promsvyazbank’s current deposits.

Promsvyazbank deposit “My income”

This is a classic deposit for individuals with the opportunity to receive maximum income and early termination on preferential terms, the website reports. You can apply for it at the branch or online. The deposit may be opened in favor of third parties.

Conditions

Currency: Russian rubles / US dollars;
Deposit term: 122, 181, 367, 547, 731 days;
Minimum amount: 10,000 rub.
Expense transactions: not provided;
Replenishment: provided within the first 30 days from the opening date;

Interest rates

Allowances:

0.10% when placing or prolonging a deposit for pensioners (provided to women over 54, and men over 59 with a deposit amount of 100,000 rubles).
+ 0.10% when placing a deposit in the Internet and mobile banking, as well as at ATMs.

Calculation. The maximum return on the “My Income” deposit of 7.5% per annum in rubles is achieved when opening an online deposit in the amount of 1 million rubles or more for a period of 547 days. In this case, the income for 1.5 years will be 112,397 rubles. You will receive 1,112,397 rubles in your hands.

Calculate possible income on deposit

Few? See what interest rates on deposits are offered today

Promsvyazbank deposit “My Benefit”

This is a replenished deposit for individuals with the opportunity to receive a decent income and early termination on preferential terms. It can be opened at the bank’s office and in the PSB-Retail Internet bank.

Conditions

Currency: Russian rubles, US dollars, euros.
Duration: 32-731 days. in Russian rubles / 91-1095 days. in US dollars and euros;
Minimum amount: from 10,000 rubles / 300 US dollars / 300 euros;
Replenishment: provided;
Expense transactions: not provided.
Interest payment: at the end of the deposit term.
Conditions for early termination: preferential. When closing a deposit after the 90th day, interest is paid at the rate of 1/2 the interest rate.

Interest rates

Allowances:

0.10% when placing a deposit in the Internet and mobile banking.

Doesn't fit? See what interest rates on deposits are offered today

Promsvyazbank deposit “My piggy bank”

This is a replenishable deposit with monthly interest accrual. They can be received in person, or they can be capitalized by increasing the amount of the deposit. For premium clients there is an addition to the interest rate.

Conditions

Currency: Russian rubles, US dollars.
Duration: from 181 to 731 days;
Minimum amount: RUB 10,000/USD 300;
Replenishment: provided;
Expense transactions: not provided;
Interest payment: monthly capitalization or payment to the account;

Interest rates

Allowances:

Promsvyazbank deposits "My capabilities"

This is a so-called “expendable” deposit for individuals with the ability to replenish and withdraw funds without losing interest. There is a surcharge for premium clients. You can open a deposit at a bank office or in the PSB-Retail Internet bank.

Conditions

Deposit term: from 181 to 731 days;
Minimum amount: 50,000 rub. / US$300;
Maximum amount: RUB 20 million / USD 500,000;
Replenishment: provided;
Expense transactions: provided without loss of interest, subject to maintaining the minimum balance on the deposit.
Interest payment: monthly capitalization or payment to the account of the client's choice.
Conditions for early termination: at the “on demand” deposit rate.

Interest rates

Allowances:

0.15% for owners of banking service programs when opening a deposit for a period of 6 months in an amount of 500,000 rubles.

0.10% for pensioners when opening a deposit for a period of 6 months in an amount of 10,000 rubles.

0.10% when placing a deposit in the Internet bank.

Not satisfied? See what deposit rates are in

Promsvyazbank contribution “My Strategy”

This is a comprehensive solution for effective savings. Clients who have taken out a policy under the investment life insurance program can open a deposit.

Conditions

Deposit period: 181, 367 days;
Minimum amount: 50,000 rubles;
Maximum amount: 3 million rubles;
Replenishment: not provided;
Expense transactions: not provided.
Interest payment: at the end of the term.

Interest rates

> 8.0% per annum for amounts over 50,000 rubles;

> 8.2% per annum for amounts over 1 million rubles.

In case of early termination of the investment life insurance contract, the deposit interest rate may be reduced by 1 percentage point!

See also what interest rates on deposits are offered today

Promsvyazbank savings accounts

To store savings, clients can open not only Promsvyazbank deposits, but also savings accounts. They combine flexible terms for managing funds and high returns.

1. Savings account “Profitable”

The account offers more flexible conditions and the opportunity not only to save money without much effort, but also to receive additional income both in rubles and in foreign currency. The account is available for opening at the bank's office and on the Internet. Connecting accumulation rules: “Refilled-accumulated” and “Bought-accumulated”.

Conditions

Currency: Russian rubles;
Minimum account balance during a calendar month: from 5,000 rubles;
Replenishment: no restrictions on amount and period;
Withdrawal: without loss of interest;
Monthly interest payment;
Interest paid is capitalized.

Interest rates

See what percentages have the most profitable deposits for pensioners in

2. Savings account "Emphasis on percentage"

This offer may be especially beneficial for those who regularly pay for purchases using Promsvyazbank debit or credit cards, and for quite large amounts. You can open an Accent on Interest savings account at a bank office or in mobile or online banking.

Conditions

Minimum contribution: not established.
Replenishment: no limits.
Withdrawal: no restrictions.
Interest payment: monthly with capitalization.

Base interest rates

If the minimum account balance is more than 700 thousand rubles, then for an amount up to 700 thousand rubles the client will receive income at a rate of 6.5% per annum, for an amount over 700 thousand rubles - at a rate of 5.5% per annum!

How to get a higher rate?

Pay for purchases with PSB cards in the amount of 10,000 rubles and more and receive a rate premium of 0.3% to 1.5%.

The maximum rate of 8% per annum on the “Accent on Interest” account can be obtained if you have up to 700,000 rubles in the account and spend from 85,000 rubles per month on the PSB card.

Promsvyazbank deposits for premium clients

1. Contribution "Orange Welfare"

This is a banking product for premium clients, which allows them to receive a high rate on a bank deposit, as well as form target capital and provide financial support in an unforeseen situation.

One part of the client’s funds is placed in a deposit with a higher interest rate, and the other is placed in one of the accumulative life insurance programs (CIS) of Ingosstrakh-Life Insurance Company.

Conditions

	Contribution	NSJ
Currency	Russian rubles	Russian rubles
Term	181, 367 days	From 10 years
Minimum amount	from 50,000 rubles	from 100,000 rubles (for first-year contributions) or from 400,000 rubles (for one-time contributions)
Replenishment	Not provided	By additional contributions to the program
Payment of interest/income	At the end of the term	At the end of the term
Expense transactions	Not provided	Not provided
Yield/amount upon early termination		According to the rules for calculating redemption amounts
Insurance in DIA	Insured	Not insured

Interest rate

> 8.0% per annum in rubles for a period of 181 days;

> 8.2% per annum in rubles for a period of 367 days.

2. Contribution "Investment income"

This is a comprehensive deposit for premium clients, combining the reliability of a bank deposit and investment opportunities of the stock market.

One part of the client’s funds is placed on a time deposit with a higher interest rate, and the other is invested in mutual investment funds (UIF) managed by PROMSVYAZ Management Company.

Conditions

	Contribution	mutual fund
Currency	Russian rubles, US dollars	Russian rubles
Term	184 days	Is not limited
Minimum amount	50,000 rubles	50,000 rubles
Replenishment	Not provided	By purchasing additional shares
Payment of interest/income	At the end of the term	When redeeming shares
Expense transactions	Not provided	By redeeming shares
Yield upon early termination	At the deposit rate "On demand"	The difference between the value of the unit at purchase and redemption
Insurance in DIA	Insured	Not insured

Interest rates

> 7.7% per annum in rubles.

How to make a deposit: instructions

You can open a deposit at Promsvyazbank in two ways: in a branch and online via the Internet.

How to make a deposit via online banking

Issue a card or open an account and enter into a remote banking service agreement at any bank office.
If you are already connected to the PSB-Retail system, then you will automatically be able to open deposits through Internet banking.
Log into your personal account in the PSB-Retail Internet bank in the “Deposits” section.
Click the “Open deposit” button on the screen and select the deposit that suits you.
Funds in favor of an open deposit of your choice will be debited from your bank card account, current account or demand deposit opened with Promsvyazbank.
Confirm the operation and the deposit is opened.
You can receive a document confirming the opening of a deposit at any bank office.

How to make a deposit at a bank office

Visit the bank office with your passport or other identification document.
Sign the application for adherence to the rules for placing deposits and other necessary documents, which the bank operator will print for you.
Deposit the deposit amount in cash at the cash desk or make a transfer from any of your accounts opened with Promsvyazbank.
After depositing funds (in cash or by transfer from an account), the operator will give you confirmation of the bank deposit.