Deposits in Belarusian rubles: interest rates and conditions. Deposits in foreign currency for individuals in Belarusbank - list of deposits and interest rates Belarusbank deposits of individuals

Deposits in Belarusian rubles of Belarusbank are represented by fixed-term and demand deposits; the line has a significant number of items that differ in terms and conditions.

What are the current deposits of Belarusbank in 2020, what are the interest rates on deposits and other conditions - in more detail later in the article.

Time deposits in Belarusian rubles from Belarusbank

Time deposits of Belarusbank in Belarusian rubles imply opening a deposit for a certain period, after which the investor is expected to return his investment, taking into account interest ( if their payment occurred during the deposit period - then without %). That is, during this period the client has no right withdraw investments.

The interest rate mainly depends on the term of the deposit, i.e. the higher it is, the greater the profitability contribution.

Deposits can also be revocable or irrevocable. Revocable means their return to the investor upon his request. And irrevocable ones do not offer this possibility. However, all the nuances regarding the placement of funds are discussed in advance when concluding an agreement between the banking organization and the depositor.

In addition to the contribution, the “Free Choice” product implies providing the client with a range of services:

• Connection to .
• Overdraft.
• International payment card.

Conditions:

• The minimum required amount is 500 Belarusian rubles.
• Storage period – 11 and 24 months.
• The rate is floating, can be changed by the bank after notifying the depositor and is 9% and 10.5%, respectively. The longer the shelf life, the higher the rate.
• Replenishment is carried out:

1. Storage 11 months– before the end of the term, but depending on the contract.
2. Storage 24 months– can be topped up before the end of the first 12 months.

• Payment of accrued interest is carried out by transfer to a payment card. In the first case - monthly, in the second - on the day the storage period ends.
• The deposit and accrued % are returned by transfer to the card on the day the shelf life expires, but no later than the next business day.

Internet Deposit-Trend Revocable

The “Internet Deposit-Trend Revocable” deposit is characterized by the fact that it opens no visit bank branches when using a payment card using Internet banking or an information kiosk.

Conditions:

Duration, months	1	3	6	9
Annual rate (can be changed by the bank, that is, not fixed)	2	3	5	6
Min. amount of money	Not less than 50 Belarusian rubles
Min. add. contribution	10 Belarusian rubles
Return of the investment before the end of the term	Acceptable, but interest will be recalculated at a reduced rate
Capitalization %	Every month
Replenishment	+
Return of investment	Transfer to a bank card taking into account accrued interest

Internet Deposit-Trend Irrevocable

The opening and management of the Belarusbank time deposit “Internet Deposit-Trend Irrevocable” is carried out in the same way as above.

Peculiarities:

Annual percentage (not fixed)	3.5	5	6	7.5	8
Period, months	One	Three	Six	Nine	Nine (for members of the #nastart and “Carte Blanche” clubs)
Min. the attachment	50 Belarusian rubles
Min. add. contribution	10 Belarusian rubles
Return before expiration date	Not possible / only with the bank’s consent
Replenishment	+
Capitalization %	Monthly
Investment consumption	Capitalized interest
Return	Transfer to a card taking into account accrued interest

More information about the clubs:

#on your marks

"Carte blanche"

Classic Irrevocable Children's

The opening of the “Classic Irrevocable Children” deposit in Belarusbank is carried out using the data of a minor ( up to 18 years old) or the minors themselves on a legislative basis.

Accordingly, one of the advantages is opening up to another person's data.

The conditions are as follows:

• Term - 3,4 and 5 years.
• Annual interest – 10.3%, 10.4% and 10.5%, accordingly (the rate may change, but the bank informs the depositor about this).
• The minimum contribution is 200 Belarusian rubles.
• Replenishment is possible during the entire storage period, except the last 3 months.
• Interest capitalization – every month.
• It is not possible to terminate the contract early and return the investment, but possible with the bank's consent.
• You can spend funds from unclaimed and the balance of capitalized interest.

Classic Irrevocable for 1 year with a fixed interest rate

The advantage of the Belarusbank deposit “Classic Irrevocable for 1 year” is the fixed interest rate, which is 7.5%. Shelf life – 1 year. The minimum required amount is 100 Belarusian rubles.

Regarding capitalization, it occurs at the very end of the term, that is at the end of one year. You can also open in the name of another person.

By deposit not provided:

1. Automatic extension.
2. Replenishment.
3. Expense of invested funds.
4. Early termination of the contract.

Spring (version 2.0)

The irrevocable deposit of Belarusbank “Spring (version 2.0)” is distinguished by a high and fixed interest rate, which is 9.35%. Period for which you need to invest funds is 105 days, but it can be returned early with the consent of the bank. The minimum required amount of money for a deposit is 500 Belarusian rubles.

You can top up your deposit in the first month of storing funds. Capitalization of interest occurs every month and on the expiration date, that is, the return of funds.

Not provided for in the following conditions:

• Carrying out expenditure transactions with invested funds.
• Automatic contract renewal.

Internet deposit Spring (version 2.0)

The irrevocable deposit “Internet deposit Spring (version 2.0)” differs from “Spring (version 2.0)” in that it is opened and managed through Belarusbank’s Internet banking or information kiosks. Also the interest rate of this deposit more by 0.05% and amounts to 9.4%.

Return of the “Vesenniy Internet Deposit” deposit is carried out by transfer to a bank card, taking into account accrued interest, which “Spring (version 2.0)” does not provide for.

All other conditions– identical to “Spring (version 2.0)”.

Deposits “Classic Irrevocable Spring” and “Internet Deposit-Irrevocable-Spring”

Belarusbank deposits “Classic Irrevocable Spring” and “Internet Deposit-Irrevocable-Spring” are fixed-term and irrevocable, the conditions of which can be found in the table below.

Condition	Classic Irrevocable Spring	Internet deposit-Irrevocable-Spring
Storage period, days	195
% per annum (may change by decision of the bank after notifying the depositor)	9.7	9.8
Minimum required amount, Belarusian rubles	500
Deposit replenishment	First 3 months
Expense of funds	-
Automatic renewal	-
Capitalization %	Every month and on the expiration date
Refund before expiration date	With the consent of the bank	-
Registration in the name of another person	+	-
Opening a deposit	At a bank branch	Using online banking or information kiosks

Belarusbank is a commercial organization with foreign capital that provides services to citizens not only of Belarus, but also has representative offices in Russia.

The bank is client-oriented, therefore the main principles of the structure are compliance with legislation, protection of data and finances of its clients.

As well as providing a wide range of quality services in accordance with established standards and requirements.

The representative office of JSSB Belarusbank in the Russian Federation provides a full range of services for the population:

• Providing banking services for individuals to carry out settlements with other banks, organizations, intra-bank transactions;
• Providing loans for individuals and legal entities, including mortgage lending, consumer lending and credit cards;
• Servicing accounts of legal entities and individuals;
• Deposits - time, non-time, demand;
• Currency transactions, foreign exchange transactions.

ASB Belarusbank occupies one of the leading positions in interest rates for deposits in dollars and rubles.

Deposits are provided to citizens of the Russian Federation who are individuals under existing programs.

Among them there are short-term deposits, long-term deposits, demand deposits, as well as deposits that can be made online without leaving your home, and those that are made only in branches or offices of Belarusbank.

To get acquainted with the current tariffs and interest rates on deposits of this commercial organization, just visit the official website www.belarusbank.by

On the left side of the page, in the private clients section, you need to find the deposits link and follow it.

Current types of deposits

Making an online deposit for clients
Name	Currency	Rates, %	Interest calculation scheme	Terms, months	Minimum contribution
	U.S. dollar	From 0.8 to 1.7 depending on the period in increasing order		3, 6, 12, 18, 23	From 100 US dollars
Internet Deposit-Trend Revocable	Euro	From 0.3 to 0.5 depending on the period in increasing order	With or without capitalization at will, early termination by rate reduction	3, 6, 12, 18, 23	From 100 euros
Internet Deposit-Trend Revocable	Russian ruble	2.6- 4 depending on the period on an increasing basis	With or without capitalization at will, early termination by rate reduction	3, 6, 12, 18, 23	From 3000 rubles
	U.S. dollar	1-2 depending on the period in increasing order	With or without capitalization at will, early termination is not provided Replenishment is possible	3, 6, 12, 18, 23	From 100 US dollars
Internet Deposit-Trend Irrevocable	Euro	0.3-0.5 depending on the period on an increasing basis	With or without capitalization at will, early termination by rate reduction	3, 6, 12, 18, 23	From 100 euros
Internet Deposit-Trend Irrevocable	Russian ruble	4.6-8 depending on the period on an increasing basis	With or without capitalization at will, early termination is not provided or at the initiative of the bank	3, 6, 12, 18, 23	From 3000 rubles
Registration of deposits at the branch
Classic Revocable up to a year	U.S. dollar			95-185 days	From 100 US dollars
Classic Revocable up to a year	Euro	0.2-0.4 depending on the period	Capitalization + extension no more than 2 times	95-185 days	From 100 euros
Classic Revocable up to a year	Russian ruble	2.5-3 depending on the period	Capitalization + extension no more than 2 times	95-185 days	From 5000 rubles
Deposit on demand	Euro or US dollar	0,1	Income and expenses have no restrictions and can be registered in the name of another person	Has no time limits	1-5 dollars or euros
Classic Irrevocable up to a year	U.S. dollar	0.5-0.9 depending on the period	The rate is variable, not extended, not charged early + interest capitalization	3, 6, 9	10 US dollars
Classic Irrevocable up to a year	Euro	1.6-1.8 depending on the period	Terminates early, interest capitalization, replenishment possible	30-36	100 euro
Classic Irrevocable up to a year	Russian ruble	4.7-5 depending on the period	There is no provision for early termination of the contract + interest capitalization	30-36	5000 rubles

Important! The variable annual interest rate changes if the base rate changes from the day after the change.

In addition, the website provides the opportunity to make a deposit independently for citizens who are already clients of the bank.

To do this, you need to register in Internet banking and carry out transactions directly from your account.

Online deposit procedure

To make a deposit online, you need to make sure that the person is a client of the bank and has a sufficient amount of money in the account.

At the first stage, you need to get a bank card, if you didn’t have one before.

All operations can be carried out without leaving your home. Next, connect to the Internet banking service.

We go to the bank’s website and in the upper right corner click on the entrance to Internet banking, then the system will offer to read the offer, which spells out the basic rights and obligations of the parties, agree with them and proceed to filling out the form.

It is necessary to fill out all the data as accurately as possible, otherwise the card will be invalid and you will have to wait for a reissue or change in the data that will take effect.

After the form has been successfully and correctly filled out (all fields marked with red snowflakes), the client is assigned a login and password, and he can log in to Internet banking.

In this case, the number that was specified during registration is used.

If the phone or phone number has been lost and access is impossible, it is recommended to contact support or the bank branch that is closest.

The second step to register a deposit is to directly submit an application for its registration. After successfully logging into the bank’s personal account, the client will have access to all the information that he can use for personal purposes.

On the main page of the bank’s Internet resource, you need to click on the “Deposits” section. This column is located at the top of the site in the form of a page header.

Since you have already logged into your online account, you next need to select the option on the left “open a deposit”.

Additional information will open on the right side of the screen, which indicates all types of deposits that are relevant for registration today and are active for processing online.

We select the deposit that needs to be made, having familiarized ourselves in advance with the interest rates, terms and amount for the deposit. All this information is available on the main page of JSSB Belarusbank.

After selecting the desired category, click “open deposit”. A standard deposit agreement offer will be immediately proposed and generated, the signature of which is carried out by agreeing to the terms and requirements online.

You should pay attention to paragraphs 1.3 and 1.4; each client is required to know the nuances of registration.

Next, you need to select the source from which funds will be debited to block the deposit. According to the selected type of deposit, this amount may or may not be available for further transactions. This fact should be taken into account.

Manually select the deposit amount and click the “continue” button. After checking and clarifying the data, you should click “I accept opening an account.”

From this moment the deposit is considered open. The deposit status can be checked in your personal account. Information on it is available around the clock, including regarding the capitalization of interest, changes in amounts, terms, etc.

If the bank has changes in the provision of deposits or rates on them, the client must be informed about this in a personal letter or the information is available in the Internet banking account.

ASB Belarusbank offers its clients a safe and convenient way to make deposits and track information on them at any convenient time.

If questions arise about the registration of bank products online, the operation of Internet applications for phones and tablets, or other concerns, customers can always contact the support service using the hotline number and find out all aspects of the issues.

The product line of deposits that Belarusbank provides for its clients in 2017 will please many. Deposits in Belarusian rubles will allow you to receive maximum profits, and the number of different offers will satisfy any client.

By urgent we mean those that are issued for a specific period. OJSC "ASB Belarusbank" provides its clients with a choice of making a deposit both at a bank branch and using Internet banking. The line of time deposits in Belarusian rubles includes 10 offers that the client can take advantage of.

Classic Irrevocable for 1 year

Standard deposit program with limited lines and a fixed rate.

It is also possible to open it in the name of a third party.

A deposit in which you can choose terms from 1 to 9 months and the possibility of replenishment. The opening is carried out through Internet banking, at any time convenient for you. There is also the possibility of partial withdrawal of funds before the expiration of the deposit, without loss of interest.

The deposit is similar to the previous one, except that you will not have access to the funds. This implies the impossibility of withdrawing funds before the expiration date of the deposit. Accordingly, interest rates will be higher.

“Free choice” is a deposit in Belarusian rubles that implies registration of a whole range of banking services, which include:

• international card account;
• overdraft connection;
• and connection

Funds will be transferred to the issued card account after the deposit validity period is completed. In addition, you will have the opportunity to replenish it throughout the duration.

A short-term deposit that is perfect for those who want to earn a little money, but do not know how long it will take for them to need money. It is an excellent solution for those who want to earn money whenever possible. The deposit will be extended until demand, but not more than for 6 months.

This offer can be issued for 95 or 185 days, with the possibility of replenishment. In addition, you can dispose of the interest received and terminate it early, but the interest will be recalculated. The interest itself will be capitalized every month, that is, added to the principal amount of the deposit.

Standard deposit program, with a choice of terms of 3-12 months, without the possibility of early withdrawal, interest will be paid through capitalization. Auto-renewal for this product is not provided, that is, after the expiration date, you will need to contact the bank branch again and renew the agreement.

The deposit program for which the maximum interest rate applies is issued only at Belarusbank branches and for long-term periods. Interest will be accrued through capitalization. It is possible to replenish, but only within the lines specified in the contract. In addition, you can terminate the deposit early, but only with the consent of the bank

Opening is allowed only in the divisions of RUE Belpochta, to which OJSC ASB Belarusbank has delegated the rights to accept funds into deposit accounts. Interest is paid at the end of the contract. You will have the opportunity to terminate it, but with a recalculation of profits.

The deposit is completely identical to the postal revocable one, except that it is not possible to terminate it early.

This option is perfect for residents whose city or village does not have a bank branch, and it is very difficult to get to the nearest one.

These offers are issued without an exact validity period, that is, the client can replenish and withdraw funds at any time. Of course, the accrued interest will be lower than on time deposits, but in emergency situations, you will have free access to your savings.

Provided only for clients who receive pension payments through Belarusbank. The opening takes place when the client contacts a bank branch. To apply, you will need to provide your original passport and a document confirming receipt of the payment.

An offer that is available to minors who fall into the category of orphans or those left without guardians. The deposit can only be opened by a guardian who has all legal grounds. This deposit program allows you to replenish and withdraw funds. Interest will be added to the principal amount every month until the client reaches the age of majority.

Available for registration to everyone over 18 years of age, it is also possible to open it in the name of a third party. The bank provides you with the opportunity to have full access to your funds, that is, to replenish, withdraw in whole or in part.

Current accounts

Similar to a card account, but without receiving the plastic itself, when stored in such an account you will have the opportunity to store your funds and at the same time make a profit. When opening, it is not necessary to deposit an amount into the account. In addition, you can withdraw or top up your account in Belarusian rubles without restrictions.

This is the entire product line for deposits in Belarusian rubles, which is currently in effect at JSC JSB Belarusbank.

Every more or less financially literate person knows that free funds should not lie idle. Money must be invested, it must always be in circulation, otherwise there is a chance of losing it due to inflation. People who are confident and not afraid of risk prefer to make money from stock trading. Cautious citizens are looking for less risky opportunities to increase their capital. One of the options for careful but stable income is deposits.

Most residents of the Republic of Belarus prefer Belarusbank deposits. This is due to the fact that:

• The bank offers a wide range of deposits on different conditions;
• People trust the financial institution, because it is the oldest bank in the Republic with a positive reputation;
• Investments allow you to receive passive income without risks.

Let's look at the bank's main offers.

Current deposits in Belarusian rubles

Investments in national currency are characterized by high interest rates. This is done to protect depositors' funds from inflation. Below you can see the bank's current offers.

"Spring (version 2.0)"

The contract is concluded for a period of 3.5 months. The minimum deposit amount starts from 500.00 BYN. rub. at a rate of 9.35% per annum. The depositor has the opportunity to replenish the deposit account only in the first month after the conclusion of the agreement. After this time, account replenishment is not provided. Automatic contract extension and expense transactions are not provided. The client can close a deposit account early only with the approval of the bank.

Main advantages of the offer:

• Increased rate;
• Possibility to open an account for a third party;
• Interest capitalization;
• Possibility to top up your account in the first month of signing the contract.

The bank offers a fixed deposit rate equal to 9.4% per annum. The deposit amount to open a deposit must be at least 500 BYN. rub. You can top up your account in the first month of opening a deposit; after that, no additional funds are provided.

Advantages of the deposit:

• High interest rate;
• Possibility of remote control;
• It is possible to replenish the account in the first month after opening;
• Capitalization of deposit remuneration;
• Refunds of money and earned interest are made to the client’s card.

The client can do any operations (opening, closing, management) on a savings deposit in Belarusian rubles in Belarusbank independently via the Internet. You can certify printed documents, issue a power of attorney and perform other actions in the departments of the financial institution.

"Classic Irrevocable Spring"

Funds under the terms of the agreement are deposited for 6.5 months without the possibility of withdrawal or partial withdrawal. The minimum deposit amount is 500.00 BYN. rub. You can top up your deposit within 3 months from the date of its opening. There is no provision for renewal of the contract by default.

Advantages:

• High interest rates - 9.7% per annum;
• Capitalization of income;
• Possibility of replenishment, but only in the first 3 months.

Please note that the terms of the agreement, namely the rate, can be changed at the initiative of the financial institution, but after prior notification to the client.

The deposit term is at least 6.5 months. The amount of contribution to the account cannot be less than 500.00 BYN. rub. The yield is 9.8% per annum, but may be changed by the bank after notifying the depositor. Spending invested funds before the end of the contract is prohibited.

Advantages:

• Remote account management;
• Account replenishment is possible 3 months after signing the contract;
• Automatic addition of interest to the deposit amount - capitalization;
• After the expiration of the agreement, the deposit amount and interest on it are transferred to the client’s card.

"Classic Irrevocable Children"

This is one of the most profitable deposits in Belarusian rubles in Belarusbank. There are several storage periods to choose from - 3, 4 and 5 years at 10.3%, 10.4% and 10.5% per annum, respectively. The minimum amount required to open an account is 200.00 BYN. rub. You can deposit additional funds into your account throughout the entire period, with the exception of the last 3 months.

Advantages:

• High profitability;
• The deposit is opened in the name of a minor by a third party, regardless of family ties;
• The account is replenished;
• At the end of each month, interest is capitalized.

Rates may change at the bank's initiative, up or down, but after prior notification to the client. Early termination is possible by agreement of the parties.

"Classic Irrevocable for 1 year"

The minimum amount to open an account is 100.00 BYN. rub. at a rate of 7.5%. During the term of the contract, the rate does not change. The storage period for funds is 1 year. Replenishment, spending of funds and automatic renewal of the contract are not provided.

Advantages:

• Fixed rate;
• Possibility to open an account for a third party.

“Internet – Deposit – Trend Revocable”

The deposit can be opened for 1, 3, 6 or 9 months at rates of 2, 3, 5 and 6% per annum. The rate changes at the initiative of the financial institution. The minimum amount for opening a deposit is 50.00 BYN. rub. The account can be replenished in an amount of at least 10.00 BYN. rub.

Advantages:

• Remote account management;
• Replenishment;
• Return of deposited funds and earned interest is carried out to the client’s card;
• Capitalization;
• Early termination (in this case, the bank recalculates accrued interest at a reduced rate).

You can deposit money for a period of 1 month at 3.5%, for 3 months at 5%, for 6 months at 6%, for 9 months at 7.5% or at 8% on special conditions for members of Card Clubs. Blanche" and #start. The minimum amount to open an account must be 50.00 BYN. rub. Termination of the contract before the prescribed period is not provided. Expense transactions are possible within the range of capitalized interest.

• Remote control;
• Possibility of depositing additional funds;
• Deposit with capitalization of accrued interest;
• Refunds and interest are transferred to the client’s card.

After notifying the client, the interest rate on a deposit with Belarusbank can be changed unilaterally.

"Free choice"

The minimum amount required to open a deposit is 500.00 BYN. rub. You can place funds for 11 months at 9% per annum or for 2 years at 10.5% per annum. In the first case, you can top up your account throughout the entire period, in the second case - only for the first year. In the first case, the investor receives interest at the end of each month, in the second case - at the end of the contract. The rate may change at the initiative of the financial institution.

• Along with opening an account, the client receives several products (international card, connection to the Internet banking service, overdraft);
• Return of deposit to the card;
• Possibility of replenishment.

“Classic revocable for 35 days”

The minimum deposit amount is 150.00 BYN. rub. at a rate of 1% per annum. Account replenishment is not provided for under the terms of the agreement, but automatic extension of the agreement is possible. The storage period for funds is 35 days.

Advantages:

• Fixed rate;
• Renewal of the contract by default, but not more than 6 times;
• Possibility to open a deposit for a third party.

"Classic Reviewed up to a year"

You can deposit money for a period of 95 and 185 days at a rate of 1.5% and 2.5% (rates are not fixed and can be changed by the bank). The deposit amount cannot be less than 150.00 BYN. rub. The deposit account can be replenished without restrictions.

Advantages:

• You can open an account for a third party;
• Replenishment;
• Capitalization;
• Automatic contract renewal with a storage period of 95 days.

"Classic Irrevocable up to a year"

The minimum amount required to open a deposit is 150.00 BYN. rub. Money can be placed for 3 months at 3.2%, for 6 months at 5.2%, for 9 months at 6.9% or at 7.9% within the Velvet club. If money is placed for a quarter, the bank offers a fixed rate, but in other cases it may change after prior notification to the client.

Advantages:

• Possibility of opening an account in the name of a third party;
• Unlimited replenishment;
• Capitalization.

Each client can calculate the profitability of a deposit in Belarusian rubles in Belarusbank using the calculator posted on the website. To do this, you must enter data into the program about the deposit amount, currency, deposit period and name of the deposit.

"Classic Irrevocable for over a year"

To formalize a deposit agreement, you must deposit a minimum of 150.00 BYN into the account. rub. There are two accommodation options available:

Features and Benefits:

• High stakes;
• Possibility of replenishment on the terms specified in the contract;
• Capitalization of income at the end of each month.

Rates may be changed at the initiative of the bank.

"Classic Postal Review"

The deposit amount cannot be less than 100.00 BYN. rub. Funds are placed for a period of 12 months at 5.5% per annum. Interest is not capitalized and is paid at the end of the term.

Peculiarities:

• This deposit can only be issued at branches of RUE Belpochta, which have the authority to accept cash and enter into deposit agreements on behalf of JSB Belarusbank;
• Expense transactions on the account are not provided;
• Early termination is possible at the demand rate.

"Pension"

People who have reached retirement age, people who have not reached retirement age but are eligible to receive a pension, and WWII veterans can place money under these conditions. After opening a deposit account, a pension will be transferred to it in a non-cash manner, which will be accrued at 0.5% per annum.

Advantages:

• The deposit is unlimited;
• The account can be replenished in any amount during any period of the contract;
• It is allowed to make debit transactions on the account without losing interest.

"Care"

A deposit in Belarusian rubles of Belorusbank created specifically for orphans and children left without parental care. The minimum amount for placement is 0.01 BYN. rub. at 0.5% per annum.

Advantages:

Only legal guardians or persons legally entitled to perform the relevant duties can open an account under these conditions.

"Poste restante"

Has no shelf life. The minimum placement amount is 1 BYN. rub. at 0.5%. According to the terms of the agreement, incoming and outgoing transactions are allowed.

Peculiarities:

• Suitable for saving savings;
• Can be opened to 3rd person.

It is possible to open an account without depositing cash. Money in the account is placed at 0.5% per annum. The deposit has no specific terms. Clients can deposit and withdraw funds an unlimited number of times.

Current deposits in foreign currency

People who think for the future prefer to store their available funds in foreign currency. This allows you to get double profits:

• Earn interest on placing a deposit;
• Make money on changes in the exchange rate (if the fluctuation is in favor of the investor).

At Belarusbank, foreign currency deposits are represented by a wide variety. Let's consider all current offers from a financial institution.

“Internet – Deposit – Trend Revocable” ($, €)

The account can be opened in euros or US dollars for a period of 3, 6, 12, 18, 23 months. Charges on an account opened in dollars are 0.8%, 1%, 1.5%, 1.6%, 1.7%. Rates for deposits in EU currency are 0.3, 0.35, 0.4, 0.45, 0.5. The minimum amount required to conclude an agreement is 100 dollars or 100 euros.

Advantages:

• Remote control;
• There is no prohibition on performing income and expense transactions;
• The return of invested funds is carried out to the card.

According to the terms of the contract, deposit rates can be adjusted at the initiative of the bank, but after notifying the client about this.

“Internet – deposit – Trend Revocable in Russian rubles”

A deposit account is opened in Russian rubles for a period of 3 to 23 months at 2.6%, 3.1%, 3.9%, 3.95%, 4%. The longer the deposit term, the higher the offered rate. The amount of contribution required to conclude an agreement is at least 3,000 Russian rubles.

Advantages:

• Account management via the Internet;
• Account replenishment (minimum amount for replenishment is 500 rubles);
• Refunds are made to the card;
• Expense transactions are provided.

The rates under the agreement are not fixed and can be changed by the bank.

“Internet – deposit – Trend Irrevocable” ($,€)

Opening a deposit account is possible in $ and € for a period of 3,6,12,18,23 months. In this case, the minimum rate for a dollar deposit is 1%, and the maximum is 2%. For an account in euros, the minimum rate is 0.8%, the maximum is 2%. The longer the deposit term, the higher the offered rate.

Peculiarities:

• Remote control;
• Possibility of carrying out incoming transactions;
• The use of funds is permissible within the range of capitalized interest;
• Refunds are possible to the card.

Another Belarusbank deposit in Russian rubles. It is proposed to place Russian rubles for 3, 6, 12, 18, 23 months. According to the terms, the minimum rate is 4.6%, the maximum is 8% per annum. The initial amount for placement cannot be less than 3,000 Russian rubles.

Advantages:

• Remote account management via the Internet;
• Unlimited replenishment;
• Automatic addition of interest to the principal amount at the end of each month;
• Return of placed and earned funds to the card.

“Deposit Classic Revocable up to a year” ($,€)

You can place money in the account for a period of 95 or 185 days at 0.2 and 0.4% per annum. The down payment cannot be less than 100 $ or €.

Peculiarities:

• Possibility of replenishment;
• Capitalization of earned interest;
• Possibility of automatic extension if the contract is concluded for 95 days;
• The rate may be changed at the initiative of the bank.

The storage period can be 95 days at 2.5% with automatic extension or 185 days at 3% without extension. The amount for the down payment must be at least 5,000 Russian rubles.

Advantages:

• Allowed to carry out incoming transactions;
• Interest capitalization.

“Classic Reviewed over a year” ($,€)

The fixed shelf life is 18 months. The amount of the down payment cannot be less than 100 $ or €. The rate for the US dollar is 1.1%, the rate for the euro is 0.4%. Extension is not provided by default.

Peculiarities:

• It is permissible to top up your account throughout the entire contract period;
• Interest is added to the principal amount of the deposit at the end of each month.

“Classic Revocable for over a year in Russian rubles”

Deposit in Russian currency with a storage period of 1.5 years at a rate of 4% per annum. The rate can be adjusted at the initiative of the bank. The amount required to open an account is 5,000 rubles.

Advantages:

• Unlimited account replenishment;
• Adding interest to the deposit amount is capitalization.

You can find out the profitability of foreign currency deposits using the deposit calculator at Belarusbank.

“Classic Irrevocable up to a year” ($,€)

The investor is offered a choice of different storage periods for funds - 3, 6, 9 months. Rates increase with shelf life. When placing money in an account for 3 months, the investor receives a rate of 0.5% per annum, when placing money for 6 months - 0.8%, for 9 months - 0.9%. In this offer, the placement currency does not affect the rates; they remain the same for both € and $ accounts. It should be noted that only one rate is fixed - 0.5%, while 0.8% and 0.9% can be adjusted at the initiative of the financial institution, but after prior notification of future changes to depositors.

Peculiarities:

• There are no restrictions on account replenishment;

You can deposit money into your account for a period of 3, 6, 9 months at 4.5%, 5%, 5.2% per annum. The amount required to open a deposit is 5,000 rubles.

Peculiarities:

• There are no restrictions on replenishment;
• You can terminate the contract early and withdraw the invested money only with the agreement of the bank;
• Expense transactions are allowed within the limits of accrued interest;
• Unspent interest is added to the principal amount of the deposit.

“Classic Irrevocable for over a year” ($,€)

You can place money in the account for a period of 30 or 36 months. The rates offered for both dollars and euros are the same. When placing funds for 30 months - 1.6%, for 36 months - 1.8% per annum.

Peculiarities:

• High profitability;
• Possibility of replenishment during the first 27 months for a deposit opened for a period of 30 months and 33 months, you can replenish a deposit opened for 3 years;
• Adding interest to the principal amount of the deposit every month.

“Classic Irrevocable for over a year in Russian rubles”

An account is opened to store funds in Russian currency for a period of 30 or 36 months at rates of 4.7 and 5% per annum. The minimum amount required to open an account cannot be less than RUB 5,000.

Peculiarities:

• High profitability;
• Possibility of replenishment according to the terms of the contract;
• Deposit without extension;
• Adding interest to the deposit amount every month.

In addition, Belarusbank offers its clients to open a demand deposit or current accounts in foreign currency. Cash balances on such accounts are accrued at 0.1% per annum, and there are no restrictions on income and expense transactions.

Deposits in foreign currency of Belarusbank are good opportunity Safely store your money while also having monthly capitalization. It is convenient to open them in foreign currency - deposit rates in 2020 depend on the selected offer from the bank.

Capitalization is calculated depending on the number of days in the month, taking into account the balance, but excluding income tax.

Features of deposits in foreign currency:

1. Convenient terms.
2. The choice of currency is at your discretion.
3. Favorable design.
4. Long periods.
5. Various programs.

Detailed conditions of Belarusbank under which deposits are opened in Belarusian rubles are described.

Time deposits in foreign currency of Belarusbank

Foreign currency deposits for individuals are offered by Belarusbank according to different schemes - its conditions depend on the name of the program and a fixed percentage is calculated. Into a separate category of popularity includes urgent ones in foreign currency, which, in addition to their security, also have accessibility.

To apply for a term deposit, you can visit any Belarusbank branch in Mogilev or Gomel. And it is possible to open remotely using a reliable service.

Time deposits in foreign currency can significantly increase your own savings. They are concluded for different time periods, differentiated by interest capitalization.

Internet bonds

ASB Belarusbank allows you to sell Internet bonds that are presented in the form of non-cash money on a card account.

The main feature of Internet bonds is that they are not issued in person and there is no need to personally visit a bank branch to purchase them.

Statement of the "depot" account is confirmation for the bond owner. Income from these deposits is not subject to income tax, but interest accrual carried out automatically.

Internet bond terms

Compared to paper, Internet bonds differ in advantages:

1. Benefit (no extra commissions).
2. Convenience (there is constant access to foreign currency bonds).
3. Reliability (loss of bonds is impossible due to the fact that they are stored in a secure depository of Belarusbank).

Useful video:

Internet Deposit-Trend Revocable

Belarusbank's deposits in foreign currency are divided into several interesting categories, which includes “Internet Deposit-Trend Revocable”. The deposit is fixed-term and it can be controlled remotely using a payment card.

This deposit is allocated at the expense of such advantages:

• Can be replenished.
• Design and management without the need to visit the branch jar.
• Interest capitalization once a month.
• Refund via transfer with interest included.

Please note the conditions in Russia. rubles

Conditions of deposit for return, months.	3	6	12	18	23
Interest rate in $ currency	0.8	1	1.5	1.6	1.7
% amount for deposit in euros	0.3	0.35	0.4	0.45	0.5
min initial payment	100 $ or euro
min one-time payment	10 $ or euro
Early termination of the contract	Carried out with interest rate recalculation

Internet Deposit-Trend Irrevocable

The currency deposit “Internet Deposit-Trend Irrevocable” allows you to manage your savings through the online system. Using a card At Belarusbank you can open a fixed-term irrevocable deposit in foreign currency.

Advantages:

1. Opening a deposit remotely.
2. Possibility of increasing the deposit account.
3. Convenient scheduled return with interest.

Amount per annum in dollars accrued proportionally to the months:

• 3 months - 1 %.
• 6 months – 1.4%.
• 12 months – 1.8%.
• 18 months – 1.9%.
• 23 months – 2%.

The interest rate is changed by Belarusbank after unilateral preliminary approval. More accurate information on this and other deposits can be found by simply dialing 147.

What interest rates should you expect when opening a deposit? It depends on the period of use and the amount originally invested.

Video on the topic:

Classic Revocable up to a year

The “Classic Revocable up to one year” deposit is characterized as follows:

1. Choice of storage period - 95 or 185 days.
2. If necessary, early repayment with recalculation of interest.
3. Possibility of replenishment.
4. Carrying out expenditure transactions taking into account the balance of unclaimed %.

Features of a deposit in Russian rubles

Classic Reviewed for over a year

The “Classic Revocable over a year” deposit is intended for storing foreign currency within 18 months. His can be replenished and terminate the contract early with recalculation of percentages.

Has the following advantages:

• Can be opened in the name of another person.
• The scheme works monthly capitalization.
• You can top up an individual’s account without restrictions.

Click on photo to enlarge

It is provided by the bank taking into account such requirements:

1. min amount – 100 $, euro.
2. Automatic re-signing is not provided.
3. 1.1% per annum if funds are invested in dollars.
4. 0.4% per annum for foreign currency deposits in euros.

Classic Irrevocable up to a year

Belarusbank deposit “Classic Irrevocable up to a year” can be opened for 3, 6 or 9 months. Payment transactions are permitted, and the balance of unclaimed and capitalized interest will be taken into account. Return the invested funds ahead of schedule you can't just do that(this requires bank permission).

Pros:

• Opening in the name of another person is possible.
• Interest capitalization monthly.
• Replenishment is allowed without restrictions.

Automatic contract renewal not provided for this type deposit. Interest accrual depends on the number of months:

• 0.5% - 3 months.
• 0.8% - 6 months.
• 0.9% - 9 months.

Classic Irrevocable for over a year

Time deposit “Classic Irrevocable for over a year” in foreign currency can be issued for a period of 30 or 36 months.

Early return of accumulated funds cannot be carried out without the permission of the financial institution.

Expense transactions are carried out taking into account capitalized balances, so the client does not lose.

Conditions for investing in Russia. national currency

Terms of Use:

• High percentage.
• Monthly interest capitalization.
• You can open it in the name of another individual.
• Deposit the minimum amount at least 100 $ or euro.
• Prolongation for a new term not implemented.
• 1.6% for 30 months. and 1.8% at 36 months.

Interesting video:

Deposits in foreign currency of Belarusbank on demand

Belarusbank also has deposits in foreign currency of a special category, which are called that"Poste restante".

Their advantages are as follows:

1. Can be opened in the name of another individual.
2. Duration is uncertain, for which you can make various incoming and outgoing transactions.

The Demand Deposit can be used by all individuals, starting with the investment of a minimum foreign unit. It is issued for an indefinite period, but the rate for it is not fixed and depends on the duration in years.

The owner of the deposit will receive benefits both when using it for one year and when using it for more than five years. In its relation the deposit is universal, given its significant advantages.

Poste restante

A demand deposit account is a savings account which is different unlimited storage period of foreign currency. Receipt operations can be done unlimitedly with cash deposit, The same applies to expense transactions.

Current accounts

Each savings account at Belarusbank is available for viewing and management in remote Internet banking systems.

On client current accounts, you can store foreign currency in unlimited quantities, accumulating interest. At the same time, there are no restrictions on outgoing and incoming transactions.

You can open such an account with zero balance unlike other bank offers. Withdrawing money is allowed in cash or by bank transfer, it is also allowed replenish current account.

Deposit calculator

An online calculator has been created specifically for preliminary calculations, which can be used at any time of the day will be able to make a preliminary calculation.

To use the calculator, You only need to enter three parameters:

Conclusion

Interest rates on all in the treasures

Today Belarusbank offers several types of deposits that start from 100 basic units in foreign currency or from 1 dollar. Before you choose on a specific banking product, worth considering its advantages and its capabilities.

You can open savings accounts at Belarusbank both in rubles and in foreign currency. In addition, the client can receive noticeable benefits with long-term registration. When opening some accounts, there is no requirement to visit a bank branch.

For a general comparison of deposits interest rates can be estimated:

1. “Classic Irrevocable” - in € or $ the annual rate is 1.5%, and in rubles - 5.5%.
2. “Revocable for a year” - when registering for 185 days, 0.4% per annum is offered.
3. “Revocable over …” - 1.1% when issued for a period of 18 months. In foreign currency and 5% in rubles.
4. “Internet deposit-Trend Irrevocable” - 1.8% if issued for 12 months. and 2% when registering for 23 months.
5. “Revocable Internet deposit” - starting from three months, the rate starts at 0.8%, and when issued for a period of 18 months. it has already grown to 1.6%.

It's not hard to notice that the rate on deposits in Belarusbank increases in proportion to the period for which it is planned to draw up savings. The rule is observed provided, that urgency is not violated, since the amount of interest rates is applied to urgent bank savings. In accordance with the signed agreement rate may change unilaterally.

The Belarusbank service will help you find out details on the issue you are interested in via short dial 147.