B&B bank deposits for individuals. Binbank. Deposits for individuals Binbank credit cards deposits for individuals

Deposits for individuals in BINBANK can be opened in 2016 at a maximum interest rate of up to 11.50% per annum (maximum interest under the Deposit in the Future deposit program).

The bank's line of deposits includes six different programs, with different conditions: with capitalization, monthly withdrawal of interest (and even daily), replenishment, partial withdrawal, with the opening of three accounts simultaneously (in different currencies).

All deposits in BINBANK are insured in accordance with the rules of the deposit insurance program (Russian law protects your savings, and in case of problems with the bank, it will pay you up to 1.4 million rubles).

Minimum deposit amounts from 10 to 150 thousand rubles.

An online application for a deposit can be filled out on the bank’s official website. We also remind you that opening a deposit through an Internet bank is encouraged by a rate increase of + 0.20% per annum(rubles only).

If you regularly use BINBANK products, we strongly recommend that you sign up for a Comprehensive Banking Service Agreement (BCSA).

1. “Magnificent Seven” deposit – with replenishment and partial withdrawal

Let the rate for this product be small (rubles – 7 % per annum, dollars – 1,20 % , euro – 0,65 % – a single rate for this program), but if you like to replenish and partially withdraw, this deposit is what you were looking for.

Plus, daily capitalization and daily interest payments.

The deposit can be opened in any of three currencies: ruble, dollar, euro. The minimum opening amount is only 10 thousand rubles / 300 dollars / 300 euros.

The minimum amount is available to absolutely every citizen of the Russian Federation.

The deposit period without choice is only 367 days. You can top up up to 30 days before the deposit closes.

Early withdrawal is possible - up to the minimum balance limit (equal to the minimum opening amount).

2. “Maximum interest” deposit – up to 10.50% per annum

An excellent program for short-term deposits, it allows you to place your savings at 10.50% per annum in rubles, for a period of 91 days.

It also opens in three currencies (maximum rate: dollar - 2.70%, euro - 1.80%).

Deposit term to choose from: 91, 181, 367, 730 days.

Minimum opening amount: rubles – 10,000, dollars and euros – 300.

There are no deposits or partial withdrawals in the product. Early termination of the deposit agreement provides for payment of a rate of 0.001% per annum.

If you are sure that you will need money in the near future, open a deposit for 91 days.

3. “Investment in the Future” program – the maximum rate of “BINBANK”

In this product, you can get a maximum bet equal to 11,50 % per annum.

But to get this percentage, you must take out a life insurance policy.

The bank has two types of policies: Investment Life Insurance Policy (ILI), Accumulative Life Insurance Policy (abbreviated as NSHI).

The minimum period is 181 days.

Interest is paid at the end of the term.

Deposits are accepted only in rubles and dollars (detailed characteristics in the table).

4. “Monthly Income” program – a stable classic

This program comes with capitalization and replenishment, but the rate here is not particularly high - the maximum you can get 9,10 % per annum in rubles.

You can top up your deposit up to 30 days before the expiration date.

If, as a result of replenishment, you have reached the following amount gradation (see table), the percentage increases slightly - by 0.10% per annum.

The deposit period is from 91 to 730 days. The deposit can be opened in euros (1.25% per annum - maximum you can get) and dollars (2.15% per annum maximum).

Minimum deposit when opening a deposit: rubles – 10 thousand / dollar – 300 / euro – 300.

Partial withdrawal is not provided.

Interest (at the client’s request) can be paid: monthly to the account, or at the end of the term (if we choose capitalization).

In case of early termination of the deposit agreement, interest is not retained and is paid at the rate of 0.001% per annum.

5. “Multi-currency” program – get income from three currencies

The program is very interesting, and if used correctly, it can be very profitable (if the deposit rates increased a little).

The essence of the “Multi-currency” deposit is that your finances can be stored in any of three currencies: rubles, dollars, euros. Moreover, if you feel that the dollar will grow, you can transfer all your savings into dollars.

You can transfer funds from one currency to another at least as many times as you like, the terms of the agreement allow this.

So, what deposit conditions does the bank offer?

The minimum down payment amount is 30 thousand rubles (or the equivalent at the Central Bank exchange rate: in dollars or euros).

Deposit term to choose from: 181, 367, 730 days. Maximum rates: except for ruble ones – 730 days, ruble ones – 367 days (see table of rates).

Interest is paid at the end of the deposit term, and it should be noted that this product does not have capitalization.

Additional contributions are welcome: rubles – 1,000, euros and dollars – 50. But, if there are 30 days left before the end of the deposit period, additional contributions will no longer be accepted.

6. Savings account “Piggy Bank” – withdraw and top up at any time

And the last product of the “Binbank” deposit is “Piggy Bank”, with a rate 6,5 % per annum.

What can you say about him?

A small bet is more than compensated by the ability to withdraw money from the account and replenish it at any time.

Interest accrued monthly is added to the principal amount of the deposit (capitalization) and is paid at the end of the term.

The product is suitable for those who periodically withdraw and replenish their savings.

The deposit can be opened online; instructions are detailed on the bank’s official website.

This product is similar to the “Magnificent Seven” program (the 1st program, described at the beginning of the review), only the rate there is a little higher - 7 % per annum, and you can withdraw interest monthly. So carefully weigh the pros and cons.

If you, like us, are in search of the highest rates in rubles and foreign currency for investing your savings in Russia, then welcome to Binbank - a place where your care for yourself and your family is valued. Your attention Banbank deposits of individuals 2016 and interest.

Today, even 22 years does not say anything about the experience of the enterprise. Today, a stable bank is a bank that is 4-5 decades old. B&N Bank is young, it ranks no higher than 7-15 in all sorts of ratings, but it is proud of the fact that it is constantly working on the quality of service. The site itself only confirms our words: complete readiness to see your questions, complaints and indications of errors. Because this is really important to him.

Rates and interest in a particular case can be clarified with the bank manager

The VKontakte group has more than 20,000 subscribers, on Facebook - about 15,000 likes, comments receive a response from bank employees, usually within an hour, and a complex issue is resolved within 24 hours.

Among other products, the line of life insurance, health insurance, real estate, loans and investments stands out. It seemed to us that the company focuses on this in its activities. This is proven by one of the deposits offering an increased rate for having an I(N)SG Policy.

Those for whom the reputation and publicity of the debtor are important, these points will seem sufficient to make a first and, moreover, a pleasant impression. And now to the heart of the matter: Binbank deposits of individuals 2016 and interest.

Conditions and interest on B&N Bank deposits in 2016

Compared to and ranges from 5 to 10 thousand, as well as the Moscow Credit Bank (link), which offers to start earning from 1000 Russian rubles, Binbank is a bank for wealthy citizens. However, we found our charm in this too.

Binbank offers products for every taste:

• Do you want to have constant access to your funds and receive regular income from them? Choose from "Piggy Bank" or "Magnificent Seven" deposits.
• Are you aiming for high interest income? Then you will like the “Maximum Interest” and “High Season” deposits.
• Do you know how to play on exchange rates? Open a multi-currency deposit with the ability to convert currencies between accounts without commission.

It's simple! Binbank deposits of individuals 2016 and interest– this is an orientation towards your capabilities and desires. Did you like what you saw? Then read on.

Bonuses for opening deposits in 201

It turns out that it is not enough for the bank simply that you decide to place your savings with it. Some deposit offers come with additional bonuses depending on how you open and what your current status is. We are talking about the “Magnificent Seven”, “Investment in the Future” and “Maximum Income” deposits.

Types of bonuses:

• For opening a time deposit through B&N Bank online;
• For presentation of a pension certificate.

You can open an account through Internet banking if you already have a current account and have a payment card. It is quite easy to solve this issue, given that B&N Bank has made its cards profitable and sends out new discounts every month through the affiliate system. You will want to have such a card.

Connecting banking costs nothing, but by opening a fixed-term account through it you get +0,2% to the current rate in rubles. But older citizens, upon presentation of a pension certificate, apply for +0,15% to an account in any currency (rubles, dollars and euros).

The same service is presented in. Do you like high-tech solutions that do not require much time? Then you should keep an eye on him too.

We told you about deposits of individuals 2016 in B&N Bank and interest. All that remains is to choose. Are you ready to start earning money?

DEPOSIT DEPOSITS OF BINBANK FOR 2016

A deposit in a bank is an excellent opportunity to improve your financial condition at the expense of the bank. Binbank's deposits are in great demand among Russians. This is due to high interest rates on deposits. Let's tell you what conditions and rates B&N Bank offers us for deposits for 2016

TARGET DEPOSITS OF BINBANK 2016

We invite you to familiarize yourself with the deposits that Binbank offers its clients. Deposits from B&N Bank 2016 for individuals are a guarantee of prosperity and confidence that your funds will not only not be lost, but will also increase, because the interest on B&N Bank deposits is quite high. Make a contribution to Binbank and develop your business or secure your future. We present to your attention a specially developed line of time deposits for the efficient placement of funds.

Do you want to increase, actively use funds or get maximum income? Depending on your goals, we are ready to offer a deposit with an individual set of options and wide functionality. Favorable interest rates on ruble and foreign currency deposits for individuals, all types of B&N Bank deposits can be opened in branches or left an application online. Binbank's deposits will help not only preserve, but also increase your savings.

BINBANK DEPOSIT RATES FOR 2016

Let's briefly describe the conditions for Binbank's deposits so that you can have an idea of ​​the bank's offers for 2016.

The maximum interest rate on the Investment in the Future investment for individuals is 13%. It opens on day 181. Interest is paid at the end of the deposit term, which means there will be no temptation to withdraw funds early. You can open in rubles and dollars (5%). The minimum amount when placing in rubles is 150,000 rubles, in dollars – $5,000.

The next most profitable is “Hit of the Season”. It is opened in rubles, dollars or euros, the interest rate is 12, 4 and 3.25% per annum, respectively. The minimum amount for a deposit in rubles is 50,000, in foreign currency - from 1,000.

There are no additional contributions, but this does not play a big role, since the period is short and amounts to 31 days. This is suitable for “holding money”. For example, we sold an apartment, but the purchase of a new one has been postponed for now. By making this choice, the client “kills two birds with one stone”: the funds are in a safe place, and secondly, the money will bring a good profit.

On the B&N Bank page you can see the interest rates on deposits they offer today. Study in detail the information on the terms of deposits for individuals and the interest rates applicable to them and choose the most profitable ones for you. We advise you to pay attention to the possibility of opening and further managing your investment online. Interest rates on such deposits may be more favorable than those opened in the office. All time deposits are insured by the state. In the event of an insured event, citizens are guaranteed compensation for deposits, the total volume of which does not exceed 700 thousand rubles in one bank.

In 2019, Binbank merged with Otkritie Bank. They now have a common line of deposits. Individuals, including pensioners, can place deposits in the united bank on favorable terms with a rate of up to 7.4 percent in rubles and 2.3 percent in dollars.

In this review we will look at which bank deposit is the most profitable today.

Binbank + Otkritie = merger

And it's not a joke. B&N Bank and Otkritie Bank merged in 2019. Now they work under the same name - “”. But not only the sign at the former B&N Bank offices has changed. A lot more has changed. Moreover, according to bankers, for the better.

What did Binbank depositors receive from the merger with Otkritie?

First of all, going to the bank should become easier and more convenient for them. Since the office networks of B&N Bank and Otkritie Bank have merged, there are more branches where clients can come. Today, offices of the merged bank operate not only in Moscow and St. Petersburg, but also in more than 250 cities in Russia. Each B&N Bank client can go to any of the 950 branches and use any of the 6,000 ATMs of the united Otkritie bank.

In addition, the line of deposits of individuals, including pensioners, has changed.

Previously issued deposits with B&N Bank will continue to operate under the same conditions. They do not need to be re-registered. All money of Binbank depositors is still protected by the state within the insurance amount established by law - 1.4 million rubles. But today it is no longer possible to open a deposit from the B&N Bank line, for example, “The Magnificent Seven”.

Below are the deposits that can be made today in the bank, which was formed from the merger of B&N Bank and Otkritie..

Deposits of Otkritie Bank (Binbank) for today: conditions and interest

Let's consider what deposits for individuals, including pensioners, can be made in 2019 in the merged bank. To choose the most profitable one, let’s compare the current interest rates and deposit conditions.

Deposit "Reliable"

This is a deposit for individuals with an increased rate and the possibility of interest capitalization. Opens in rubles both in branches and in mobile and Internet banking.

Conditions

• Duration: 91, 181, 367, 730 days;
• Amount: from 50,000 rubles;
• Interest payment: monthly with capitalization or to a separate account;
• Conditions for early termination: at the “On demand” rate.

Interest rates

In Russian rubles

(with capitalization / without capitalization)

Amount/Term
50 000 - 750 000

Deposit "Basic income"

This is a classic deposit for individuals with high returns and limited opportunities for managing funds. Monthly capitalization or interest payment is provided in a way convenient for you: to a current account, to a demand account or to a bank card. A deposit can be opened either at any bank branch or independently via the Internet.

Conditions

• Replenishment: not provided;
• Partial withdrawal: not provided;
• Capitalization: provided;
• Interest payment: monthly or at the end of the term.

Interest rates

with capitalization / without capitalization

In rubles

Deposit "Open"

This is a deposit for clients who have entered into insurance contracts for investment products “Accumulative life insurance” (CI), “Investment life insurance” (IL), “Trust management” (MA), as well as Trust management for maintaining an Individual Investment account (MA IIS) . It can be considered the most profitable for today - the maximum rate in rubles with all extra charges reaches 9% per annum!

Conditions

• Deposit term: 91, 181, 367, 730 days;
• Amount: from 50,000 rubles;
• Replenishment: not provided;
• Partial withdrawal: not provided;
• Capitalization: provided;

Interest rates

Percentage allowances

	Duration of the investment agreement. product	Percentage of funds placed in investments. products from the total amount	Surcharge to the rate
		15 - 25% of the total amount
		25 - 50% of the total amount
		From 50% of the total amount
		15 - 25% of the total amount
		From 25% of the total amount
IZH / DU / DU K / DU IIS		from 25 to 50% of the total amount
IZH / DU / DU K / DU IIS		from 50% of the total amount
IZH / DU / DU K / DU IIS		from 25 to 50% of the total amount
IZH / DU / DU K / DU IIS		from 50% of the total amount

NSZh - Accumulative Life Insurance.
ILI - Investment Life Insurance.
DM - Trust Management.
DU K - Trust Management according to the “Coupon” strategy.
DM IIS - Trust Management for maintaining an Individual Investment Account.

Deposit "Active replenishment"

This is a deposit of individuals, the terms of which provide for the possibility of replenishing the deposit account. Capitalization of interest or its monthly payment is provided.

Conditions

• Duration: 91, 181, 367, 730 days;
• Amount: from 50,000 rubles / 1,000 dollars or euros;
• Replenishment: provided;
• Partial withdrawal: not provided;
• Capitalization: provided;
• Interest payment: monthly.

Interest rates

in Russian rubles

"Free Control" deposit

This is a deposit of individuals with maximum freedom of management: the ability to replenish and partially withdraw funds. It can be opened either at any bank branch or independently via the Internet.

Conditions

• Duration: 91, 181, 367, 730 days;
• Minimum amount: from 50,000 rubles / 1,000 dollars or euros;
• Replenishment: provided;
• Partial withdrawal: provided;
• Capitalization: provided;
• Interest payment: monthly.

Interest rates

with capitalization/without capitalization

in Russian rubles

See also the most profitable Sberbank deposits for pensioners.

Deposit "Premium"

This is a profitable deposit for clients - owners of cards issued under the Premium and Optimal tariff plans, premium cards of the Mastercard World category. It has the highest percentage among Otkritie Bank deposits for individuals.

Conditions

• Duration: 91, 181, 367, 730 days;
• Amount: from 50,000 rubles;
• Replenishment: not provided;
• Partial withdrawal: not provided;
• Interest payment: at the end of the term.

Interest rates

Amount/Term
50 000 - 750 000

Income account “My piggy bank”

An income (savings) account that can be replenished or withdrawn from it without any restrictions on the amount or term. You can open an account at a bank branch, as well as via the Internet or in a mobile application.

Conditions

• Currency: rubles, dollars, euros;
• Duration: unlimited;
• Minimum amount: not established;
• Replenishment: provided;
• Partial withdrawal: provided;
• Capitalization: provided;
• Interest payment: monthly.

Interest rates

Otkritie bank account “Accumulative”

At first glance, this is a classic savings account in which the interest rate increases as your money is in the bank. But in reality, everything is not so simple. There are a number of features that you need to understand before registering it.

Interest on the account is accrued on the amount of each replenishment.

For example, you deposited 100,000 rubles into your account. In the first 2 months you will be charged 4% per annum. Then it will gradually increase, depending on the period of storage of money in the account. The maximum possible rate is 9% per annum.

You can top up or withdraw money from your account at any time and without restrictions

For each new replenishment, the rate will be calculated anew - starting from 4% per annum.

When withdrawing money from the account, the amount of the last replenishment is reduced, on which a minimum interest is charged

Your savings, which have been deposited the longest and generate the greatest income, will remain unchanged.

Interest rate

The conditions for raising money are as follows

Conditions

• Duration: indefinitely;
• Amount: no restrictions;
• Replenishment: no restrictions;
• Partial withdrawal: no restrictions;
• Interest payment: monthly and at the end of the term.

How to make a profitable deposit

A deposit can be opened at any branch of Otkritie Bank (Binbank), or independently, through Internet banking.

Bank specialists will advise you on any issue by calling toll-free: 8 800 500-20-01.

Contacts for inquiries

Check the terms and interest rates of deposits for individuals on the official website www.open.ru.

Phones:

8 800 200-50-75,

8 800 500-20-01 (specialists will advise you on any issue),

8 800 700-78-77 (toll-free within Russia),

7 495 787-78-77 (phone in Moscow).

PJSC Bank "FC Otkritie". General license of the Bank of Russia No. 2209.

The information is provided for informational purposes and does not constitute a public offer.

It is impossible not to say that Binbank Digital is one of the largest Russian financial organizations.

This bank manages to successfully combine the use of modern technologies with the search for an individual approach to its clients.

Customers are also offered modern options for solving various problems.

Binbank Digital was the first to use one-time SMS passwords that help protect customer accounts.

They have also released many mini-terminals and implemented online banking login using a QR code. Apart from this, he has created various financial mobile applications.

The main shareholder of Binbank Digital is one of the public joint stock companies Binbank. This is one of the large federal banks, which has been showing steady dynamics of active development of such business for more than twenty years.

Also among the main shareholders of B&N Bank it is worth mentioning Mikail Osmanovich Shishkhanov and Mikhail Safarbekovich Gutseriev. The size of their total ownership share is equal to ninety-six percent of the amount of bank shares.

Important! Binbank is the country's largest credit institution, ranking twelfth in terms of total assets of Russian banks. The assessment given by an international rating agency confirms that Bin Bank is a reliable and stable bank.

At B&N Bank, a client can receive various deposits.

“Foresighted” contribution

Thus, thanks to the “Forward-thinking” deposit, the client can receive a deposit for seven hundred and thirty days.

The user can also withdraw the payment early if necessary. Interest can only be received at the end of the term.

The main advantage of the “income” deposit is the ability to place funds for one month. The user can replenish deposits and withdraw previously received funds.

You can also automatically renew your deposit. If desired, you can receive interest both monthly and at the end.

Important! A multi-currency deposit allows you to open deposits for six months. Users are also offered replenishment and automatic renewal.

Conditions for deposits in Binbank

The Magnificent Seven contribution

Capitalization occurs daily. However, there are no special conditions or special deposits.

Topping up your account is possible, but there are some restrictions. So the replenishment period ends one month before the deposit expires.

If necessary, you can partially withdraw money. In this case, the minimum deposit balance for the year is ten thousand rubles.

With deposits for one hundred and eighty-one days, this amount will be three million rubles or fifty thousand euros.

It is impossible not to mention this type of contribution as “Investment in the Future”. The maximum amount for which such a deposit can be made is one hundred fifty thousand rubles.

The rate is nine percent. The maximum period for which you can take out such a loan is one hundred eighty-one days.

Separately, it is worth mentioning the conditions of such a contribution. It opens no later than three business days from the moment the client purchased an insurance policy providing investment life insurance. However, partial withdrawals are not possible.

Important! It is possible to automatically extend the contract, in which case it switches to the “income” deposit without any options for the required period.

Binbank deposits for individuals

1. Separately, it is worth mentioning Binbank deposits, which are offered to individuals. Thus, one of the popular deposits for individuals is the “Multi-currency” deposit.

It can be taken in rubles, dollars, and euros. Among its main advantages, it is worth highlighting the possibility of automatic renewal.

2. The “Monthly Income” deposit is also popular.

It can be received in rubles, dollars and euros. The maximum period for which you can take out such a loan is thirty-one days. You can only partially withdraw such a loan ahead of schedule. The term can also be automatically extended.

3. We can’t help but mention a loan like the “Piggy Bank” savings account. Such a loan can only be taken in rubles.

The interest rate on such a loan is six and a half percent. The user can also partially withdraw such a deposit ahead of schedule.

In addition, you can withdraw such a deposit in full ahead of schedule.

Important! With the savings account “Piggy Bank”, the user can receive monthly interest on his current account.

Also, if desired, he can take advantage of bonus automatic renewal. If necessary, you can top up your deposit.

Individuals are offered various deposits at Bin Bank

Documents for opening a deposit

Separately, it is worth mentioning the documents that are necessary to open such a deposit.

To do this, the user must provide the bank employee with one of the documents that confirms his identity.

Thus, Russian citizens can provide the following documents:

• Passport of a citizen of the Russian Federation;
• Certificate issued by a military unit;
• Residents working in Russian maritime transport can provide a seafarers' passport;
• To carry out transactions on open deposits, you must provide a general passport.

Foreign citizens must provide a passport from their state, and stateless persons must provide a residence permit.

Important! It is worth paying attention to the fact that if you change your passport data, you need to inform the bank employees about this. It is necessary to fill out a written application at the bank branch where one of the deposits is open.

It is necessary for the user to present to the bank a certificate from the internal affairs authorities, which confirms the exchange of the passport.

Alternatively, he can show a mark in the new document about the old passport data. It is also worth informing in advance about a change of surname.

Deposit and interest rate calculator

The user can find out information about interest rates by going to the official Binbank website. It is on this resource that the user can obtain up-to-date credit card information.

To familiarize yourself with the necessary information on loans and deposits, the user must select the option: “individuals: deposits” and familiarize themselves with the available conditions.

Such information is available to all individuals. However, to perform the necessary operations, the user must log into his personal account. Before this you need to register.

Also, by going to the official website, the user can see a loan calculator. To calculate the amount of deposit interest, you need to make a corresponding request in the search tab or click “deposit calculation”.

A similar action can be performed under any products for an individual.

Important! In this form, be sure to fill out all the proposed conditions and proceed with the calculations. After completing these actions, the system will inform you about the preliminary conditions of the issued loan. If the user is interested, he can proceed to register for this product.

Reviews

To find out if Bin Bank is really that good, you should read user reviews. So here are some of them.

Vladimir.
Once again I am convinced that the best option is Bin Bank. After all, here, if necessary, you can repay the deposit ahead of schedule. I was also pleased that this bank has friendly employees who are happy to help the client and, if necessary, explain anything unclear.

Elena.
You often have to make deposits. During this time, I managed to make sure that it is best to do this at Bin Bank. Among the advantages of this bank, I can highlight the pleasant service staff, who are always happy to help, as well as the fact that to receive a loan or make a deposit, you just need to present your passport.

Eugene.
When I needed to make a deposit, I consulted with friends who work in a bank. They recommended Bean Bank. I was not disappointed in my choice, since the bank offers clients various deposit options, and also quickly transfers money to the account.

Tatiana.
Recently there was a need to make a contribution. For this I decided to choose Bin Bank and was pleased with my choice. What pleased me most was that friendly and competent employees work here, and the client can choose the appropriate deposit option.
So, Bin Bank is very popular among clients, as it offers clients deposits with optimal conditions.

Attention! This site does not violate Federal Law of July 27, 2006 N 152-FZ “On Personal Data”. The site does not collect personal data from users. All information provided is provided for informational purposes only.