Bank AK Bars - an overview of deposits for individuals. Deposits of ak bars bank Interest on deposits in ak bars bank

Currently, AK Bars Bank has four offers for deposits of individuals for 2018, with an interest rate in rubles - up to 8.25% per annum. It is worth noting quite comfortable programs and conditions for investors. The choice of products is small, but quite “clear”. All deposits in Ak Bars are insured by the state, with a guarantee of a refund of up to 1.4 million rubles, since the Bank is included in the Register of the compulsory deposit insurance system.

Products have the following options: replenishment, partial withdrawal, partial retention of the rate in case of early termination of the contract, favorable rates in dollars and euros. A deposit can be opened at a bank branch or in the AK Bars Online Service.

How to open a deposit in AK Bars?

• Visit a bank branch with a Passport;
• Sign documents for opening a deposit;
• Deposit money into a bank account.

1. Deposit program “Just save up”

One of the best products of the Bank, with high rates, the ability to withdraw interest monthly, a low opening threshold, and partial preservation of interest upon early termination (only for deposits with a term of 720 days). The deposit can be opened in any of three currencies: rubles, dollars, or euros.

* - the minimum amount and terms of additional contributions are not limited (the maximum replenishment amount is no more than 5 times the size of the initial contribution).

** – in case of early termination of the contract, interest is paid at the “On Demand” rate. If the deposit was opened for 720 days, then starting from the 370th day, in case of early termination, a part of the rate is retained: rubles - 4.00% per annum, dollars - 0.40%, euros - 0.05%. You can choose the method of receiving interest on the deposit yourself: transfer monthly to the card account, or collect the accrued interest at the end of the term.

Interest rates of the deposit “Just save up”

2. Deposit program “Just multiply”

A deposit with a large minimum opening amount, and favorable rates. The minimum amount of the initial contribution is 1 million rubles. If you list the advantages of the program, then there are a lot of them: monthly withdrawal of interest on the card, replenishment, partial withdrawal - in other words, a complete set of options necessary for the investor. Interest is paid at the request of the client: monthly with a transfer to the card account, or at the end of the term (together with the body of the deposit).

The deposit can be opened in any of the three proposed currencies: rubles, dollars, euros. The maximum rate can be obtained for a period of 1 year, and the deposit amount is from 3.5 million rubles (plus use the increased rates - how to get them, see the table below). According to the terms of the agreement, if upon replenishment or partial withdrawal you move to another level of the amount gradation, then the rate for the deposit will change its value to the corresponding level (see table of rates).

* - the minimum and maximum amount of replenishment is not limited.

** - debit transactions are allowed only up to the "minimum balance" (1 million rubles, 15 thousand dollars - euros).

*** - in case of early withdrawal of the deposit - the rate is recalculated according to the terms of the "On Demand" program. Only for deposits with a term of 720 days, part of the rate remains (the deposit must be opened at least 370 days ago, at the time of early withdrawal): rubles - 4.00%, dollars - 0.40%, and euros - 0.05% per annum .

Interest rates in rubles

Interest rates in dollars

The rate in euros, regardless of the term and amount - 0.10% per annum.

How to increase the deposit rate?

3. Deposit program “Easy to manage”

This deposit provides for the possibility of replenishment and debit transactions. The maximum rate in rubles is 7.50% per annum (subject to “rate improvement”). A small minimum deposit will allow any depositor to open a deposit. Payment of interest at will: to the card account monthly, or at the end of the term.

* - the minimum amount of replenishment is not limited by anything. For the entire period of the deposit, it is allowed to replenish no more than 5 times the value of the initial contribution.

** - debit transactions are allowed, but up to the amount of the "minimum balance" (in this case, the amount of the "minimum balance" must be at least 50% of the amount at the time of opening).

*** - for a period of 720 days (from 370 days of "deposit life"), a preferential rate applies for early termination: 4.00% in rubles, 0.40% in dollars, and 0.05% per annum in euros. In other cases, the rate is recalculated according to the terms of the On Demand program.

Interest rates under the program "Easy to manage"

In this program, the rule of “increasing the bet” also applies (see the conditions in the above programs).

4. Deposit program “Just to catch the moment”

The program is designed to quickly make a profit on a short-term investment (from 31 to 91 days). Rubles can be invested for a period of one month, and subject to an “improvement of the rate”, receive an income of 6.5% per annum. Deposits in foreign currency (dollar and euro) are opened for a period of 91 days. Replenishment and partial withdrawal - the terms of the contract are not provided. Accrued interest can be withdrawn monthly (dollars and euros), or at the end of the term (rubles). You can extend the deposit an unlimited number of times.

Interest rates under the program "Just Seize the Moment"

How to increase the deposit rate?

For those who have temporarily free funds, we offer Ak Bars deposits in Moscow for individuals in 2020. Here you are guaranteed a high profitability of the deposit. The quality of services at Ak Bars Bank has received a worthy assessment in the form of a constantly growing client base. For example, as of today, the bank has 5 deposit accounts in rubles, dollars and euros.

The choice of financial products in the bank "Ak Bars"

Each potential investor has different options for opening savings accounts. Someone can allocate significant sums for this for a long time. Others have limited financial resources and the time factor is of great importance for them. The offers of Ak Bars Bank take into account these circumstances and allow you to choose the most suitable deposit option:

1. The version of Simply multiply has the maximum interest rates. Depending on the duration of the contract, their value ranges from 4.25 to 5.15. The initial contribution for this program is 1,000,000 for a period of at least 91 days. Partial withdrawal of money from such an account, except for accrued interest, is not provided.

2. The product "Just increase" provides the possibility of partial withdrawal on the condition that the balance on the account will not be less than the amount of the first installment. At the same time, its profitability in %% is preserved. For this option, rates are set differentially depending on the duration of the agreement and the amount of money invested.

3. If you want to get more options for managing your contribution, pay attention to the "Easy to manage" program. More money can be withdrawn from such an investment, up to the level of 50% of the initial amount, while maintaining the accrued interest. The price for this is a slight decrease in profitability in comparison with the previous two types of contracts.

4. The simplest type of deposit is "Just Seize the Moment". It is open for a month.

An online calculator will help you calculate the profitability of different investments. To select the favorable terms of the agreement, you can contact the bank's employees, who will also answer all the client's questions. More detailed information about the services of Ak Bars Bank is presented on its official website. By the way, you can open an account and process documents via the Internet. In this case, you are guaranteed increased interest on the financial product.

Ruble and currency investments

The difference between products in rubles and foreign currency is only in the amount of bets on deposited funds. All other conditions are exactly the same. The profitability of ruble deposits is higher, and foreign currency counterparts will save the client from the risks of exchange rate fluctuations and the need to pay margin when buying foreign currency. Saving in dollars is a great way to set aside money for a planned vacation abroad, while earning a little extra income.

Deposits in Ak Bars Bank, for individuals for 2017, can be opened with an interest rate of up to 9.50% in rubles.

You can choose a suitable program for yourself, with favorable conditions, choosing from the following options: with replenishment, partial withdrawal, in any currency (ruble, dollar, euro), with monthly interest withdrawal.

For pensioners, a specialized product “Pension” is suitable - with a minimum contribution of 5 thousand rubles.

Those investors who are not indifferent to the fate of seriously ill children are offered the “Do Good” program, with automatic transfer of part of the income to the Ak Bars Creation Charitable Foundation.

The “Multicurrency” deposit program will help you save and increase your savings, due to their simultaneous storage in three currencies.

1. Deposit program “Holiday interest” – with monthly payment of income

Let's start our review with one of the best bank programs - “Holiday Interest”.

The product goes on sale, the maximum you can get is 9.30% per annum.

The deposit is opened only in rubles, the minimum amount is 30 thousand rubles.

Program benefits: replenishment, partial withdrawal (accrued interest), monthly withdrawal of income. Deposit term at the client's choice: 93, 186, 372 days.

Replenishment is valid only from a period of 186 days and above (during the first two months from the date of opening). If you have made a deposit for 93 days, then unfortunately you cannot replenish it.

The deposit is replenished with amounts from 5 thousand rubles (the total amount of replenishment should not exceed 3 times the amount of the initial contribution on the deposit).

Interest is paid monthly, every 31 days.

2. “Pension” deposit program – favorable conditions for pensioners

This deposit can be opened by pensioners and veterans. For them, the bank has developed the most favorable preferential conditions.

The deposit is replenished, the maximum can be received in rubles - up to 9,10 % per annum. If you want to invest your savings in dollars or euros, there is such an opportunity here, too.

Minimum deposit amount: 5 000 ₽ , 100 $ / € .

Term for investing savings (at the choice of the investor): 30, 60, 90, 186, 372 days.

Replenishment possible from 1,000 ₽, 50 $ / € (possibly up to 30 days, at the end of the deposit period) . If you made a deposit for 372 days, then you can replenish it only up to 90 days, at the end of the deposit period.

Interest payment(optional) :

• Once a month (interest is calculated every 31 days);
• At the end of the deposit term (interest capitalization);
• In case of early termination of the contract (part of the rate is retained).

The rate on the deposit depends on the term and amount of the deposit (see the table of interest) ...

In dollar deposits, the rate is from 0.10 to 1.10% per annum (the maximum rate can be obtained by investing 10 thousand dollars for a period of 372 days).

Deposits in euros traditionally have the lowest rates from 0.10 to 0.50% per annum (the maximum we receive from the deposit is 10 thousand euros, for a period of 372 days).

In case of early termination of the deposit, part of the rate is retained (only for deposits with a term of 186 and 372 days): ₽ - 2.5% per annum, $ - 0.3% per annum, € - 0.1% per annum.

3. “Do good” contribution program – help sick children

By investing your savings in this “product”, you can help seriously ill children.

From your income, 10% will be “written off” and transferred to the Charity Fund.

The deposit is opened only in rubles. The minimum amount is 10 thousand rubles.

The term of the deposit is 372 days. There is a possibility of replenishment (from 500 rubles), but 90 days before the end of the deposit term, the acceptance of additional contributions stops.

Interest rate fixed for the whole term – 8,70 % per annum.

4. Deposit program "Income Guarantee" - choose the maximum benefit

Well, here we come to the most profitable program of Ak Bars Bank - Income Guarantee. But it is beneficial only at a “first glance”, after looking at the rate for the 2nd period.

The fact is that the entire term of the deposit (720 days) is divided into four periods. And accordingly, in each such period - its own rate (look at the table).

To find out the actual rate on the deposit, you need to add up all the periods and divide by 4: (8.00% + 9.50% + 7.50% + 6.50%) : 4 = 7,87 % per annum.

It is at the final rate that you will calculate the interest on the deposit for 720 days.

Bank Loyalty Bonus

The bank will add to your rate another 0.5% per annum if you have: an Ak Bars bank card (except for Social), a bank insurance package (list on the official website), or a valid loan.

These products must be issued not earlier than 1 year from the moment the deposit was opened.

The deposit can be opened only in rubles, the minimum amount is 10 thousand rubles.

Replenishment is allowed during the first 360 days of the deposit (from 10,000 rubles).

Interest is paid: either to the card account monthly, or at the end of the term. In case of early termination of the contract, interest is retained only after 180 days of the “deposit life”.

5. “Multicurrency” deposit program – keep money in three currencies at the same time

The instability of the financial market, and fluctuations in the exchange rate, can be used for your own profit. This deposit was created for such purposes.

Your deposit amount will be stored on three accounts: rubles, dollars, euros.

You can convert them from one currency to another, making a profit on the difference in the exchange rate.

The deposit is suitable for large investors who know a lot about this issue and are able to foresee trends in the currency market.

Deposit term: 30, 91, 181, 367 days.

Interest payment- at the end of the term.

Minimum amount: 10 000 ₽ , 300 $ , 250 € .

Interest rates, you can see in the table below...

Rates in rubles (“Multicurrency”)

Dollar stakes (“Multi-Currency”)

Bets in EUR (“Multi-Currency”)

Deposits in AK Bars Bank for customers as a banking product have a number of advantages, the main of which are the safe storage of funds and their increase without their own efforts and risks.

Deposits of AK Bars Bank for individuals

AK Bars Bank has deposits of a standard line, which can then be opened for certain groups of the population on preferential terms. A unified insurance system operates for all deposits of AK Bars Bank, which will allow customers to always get their savings back.

Insurance of deposit funds of individuals is carried out in accordance with state legislation, and therefore the rights of citizens are protected. Absolutely for all Russians, AK Bars offers the following types of ruble and foreign currency deposits:

1. Confident future- for those who want to invest in their own security, as well as increase their savings.
2. Just save up- the terms of the deposit are simple and they consist in the fact that it is necessary to entrust the money to AK Bars, and he will increase their size and after a certain period return to the depositor.
3. Just multiply- a deposit for wealthy clients of the bank, it will allow you to make a profit many times higher than in other deposit programs.
4. Easy to manage- the depositor's personal savings remain completely in his control, since any operations can be carried out with the account in an unlimited number.
5. Easy to catch the moment- the convenience of this deposit from AK Bars Bank lies in the minimum contact with the bank and the deposit itself, since apart from opening the depositor will not have to carry out any operations.
6. Poste restante- you can invest rubles into this account at 0.1%, and dollars and euros at 0.01% per annum. On any day, you can replenish the account or withdraw part of the money, and closing is carried out at the request of the depositor, because the deposit has no clear terms. This and all its conditions, so it makes no sense to conduct a more detailed review.

All deposits of AK Bars Bank are beneficial in their own way, but each client has his own needs and opportunities, and therefore the bank gives the right to choose a program with maximum convenience, but not without profitability.

Confident future

A person can open this deposit only with a personal appeal to the office of AK Bars bank. This condition is mandatory, since the deposit is provided only with the simultaneous execution of the Endowment Life Insurance contract. The amount of the insurance fee (annual contribution) must be at least 50,000 rubles, but equal to or more than 10% of the contribution.

Deposit program A confident future in compliance with the described requirements are provided to Russians on the following conditions:

• The minimum for opening is 50 thousand rubles, and the maximum is 5 million.
• A deposit is opened for a year.
• The agreement does not provide for prolongation, the possibility of replenishment and partial withdrawal of funds without lowering the interest rate.
• The client can monthly withdraw interest income from the card or account, or leave it on the deposit.

The deposit has a high interest rate, but if the depositor decides to prematurely terminate the insurance contract, then from the next day after this action, the interest will decrease to the nominal rate.

Just save up

This multi-currency deposit has good conditions, expressed in the fact that the depositor can invest his savings starting from very minimal amounts - 10,000 rubles, 100 dollars, 100 euros. AK Bars Bank does not set the maximum amount for the initial contribution, but there are restrictions on the amount of replenishment - all additional contributions together should not exceed five times the size of the initial investment. In addition to replenishment, other operations on the account are prohibited.

The depositor must choose the date on which the deposit will be closed and interest paid, from 91 to 720 days. These interest can be received not only at the end of the term, but also monthly withdrawn from your AK Bars bank card. But if the deposit account was opened online remotely, then the monthly payment to the client is not available.

For deposits with a term of up to 370 days, early closing is carried out at the Demand rate. And for deposits for a period of 720 days there will be preferential terms:

• When funds are held for up to 370 days, the rate is On Demand.
• When stored for a period of 371 to 720 days - 2.5% for a ruble account, 0.04% for a dollar account, 0.05% for a euro account.

Interest rates for today's deposit program Just save up has the following:

There are also bonuses for this deposit, which the depositor will be able to receive if certain conditions are met:

• Opening a deposit through the Internet bank - +0.15%, +0.05%, +0.01% for ruble, dollar and euro deposits, respectively.
• Registration of an insurance package, or connection of legal insurance (the official website of AK Bars Bank contains detailed information on this item) - + 0.2%, + 0.1%, + 0.01% for deposits in rubles, dollars and euros, respectively.
• Registration of the package of services "AK Bars Premium Plus" increases the rate on the ruble deposit by 0.2%.

Just multiply

1,000,000 in national currency and 15,000 in two standard foreign currencies, a person can minimum invest on a deposit. Just multiply these values ​​and they will be the minimum balance. The maximum amount of investment by AK Bars Bank is not limited.

Interest on the deposit will be transferred to the card on a monthly basis or at the end of the term (at the discretion of the depositor). You can deposit funds to the account in addition to the first installment for the entire period, as well as withdraw personal money, provided that the minimum balance is maintained.

Deposits Just multiply and Just save have the same conditions of early closing, as well as surcharges, subject to certain requirements.

At the end of the validity period, the deposit is automatically renewed if the client has not claimed the entire amount.

Easy to manage

This deposit program almost completely corresponds to the Just save up deposit. Here are the same currencies, amounts and terms, as well as the possibility of conducting credit transactions. The key difference is the withdrawal advantage. The depositor can withdraw money from the deposit account if it permanently retains more than 50% of the amount of the initial contribution.

Interest on deposits is another distinguishing feature, especially since here, due to the possibility of replenishment and withdrawal, the rate may not be fixed, but constantly change depending on the balance. If the balance exceeds a certain threshold (indicated in the table), then from the next day another percentage will be charged.

Deposit Just Manage has the following interest rates:

The above-described allowances for the type of deposit are applicable to the deposit Just save up.

Just to seize the moment

This time deposit has only one term for placing funds - 31 days for rubles and 91 days for foreign currency. Already in such a short period of time, the depositor will be able to receive income from his savings. The deposit is not allowed to be replenished, and therefore you immediately need to deposit a convenient amount of 10,000 rubles, 100 dollars and 100 euros.

It is also impossible to withdraw money, but since the deposit is valid only for a month, this condition is easy to put up with. Closing of the deposit account before the term agreed with the bank is carried out at the demand rate. The client of AK Bars Bank will receive interest at the time of return of the deposit.

The deposit can be extended an unlimited number of times according to the current terms of the program. The "Just Catch the Moment" deposit is profitable, as it has a good interest rate with such a short validity period.

Comparison of deposit programs

The bank offers five options for term deposits to individuals. What these deposit programs are, have already been described in detail, now it is worth presenting the deposits in comparison for a better overview.

AK Bars Bank is a fairly young organization. In a short time, it has gained a leading position in its market segment. Despite the crisis, the decrease in the level of confidence of depositors, the bank was able to attract more than 99 billion rubles. by private individuals.

1. Term deposits - have a certain period of validity. This period is calculated in days, its value can vary from 30 to 1096 days, depending on the selected product. Among the bank's offers, there are those in which interest is accrued monthly, quarterly or at the end of the agreement. The amount of interest can be automatically added to the body of the deposit, increasing the client's income. When choosing a term deposit from AK Bars Bank, pay attention to the possibility of replenishing the deposit or early withdrawal of money. Any term deposit can be issued in rubles, euros or dollars.
2. Demand deposits allow you to use the money at any time. At the same time, you receive a small income. Interest is accrued on the body of the deposit daily and depends on the amount of the deposit.
3. Savings certificates are securities with a specific expiration date. Unlike a deposit, anyone can withdraw it. The interest rate depends on the value of the certificate and its validity period. It is possible to receive money under the certificate before its expiration date. The amount of accrued interest will be calculated in accordance with the minimum demand deposit rate. You can issue a savings certificate only in rubles.

The main requirement for bank depositors is the presence of Russian citizenship, the age of majority and legal capacity.

Interest on deposits in AK Bars Bank

for deposits directly depend on the conditions of the deposit, its duration and amount:

1. You will receive the smallest income when making a demand deposit, the amount of which is about 1000 rubles. It will be 0.1% per annum. In foreign currency, a similar deposit will bring 0.05% per year. The maximum income of 1.5% per annum can be obtained by selecting the "Cumulative" deposit when the deposit amount exceeds 500 thousand rubles. For the currency, a maximum yield of 0.3% per annum is provided for with a deposit amount of more than 50 thousand dollars.
2. Income on term deposits is significantly higher. It depends on the term of the agreement, the amount of the deposit, additional features. For example, the “Multicurrency” deposit will allow you to change its currency during the validity of the contract. It provides an opportunity to increase the amount of the deposit, and will bring you 7.2% per annum. At the same time, the minimum deposit amount is 10 thousand rubles, 300 dollars or 250 euros.
3. You will receive the maximum income by making a deposit "High result". At the same time, the minimum amount for registration is 10 thousand rubles, 300 dollars or euros. The term of the contract is 372 days, it is possible to replenish the account from 5 thousand rubles. Yield up to 10.7% per annum.
4. The key advantage of a savings certificate is that the bank does not have the right to change the interest rates on it after issuance. The minimum income of the certificate is 7.8% per annum. To obtain it, you need to buy a document worth at least 100 thousand rubles. for a period of 93 days. To get 11.3% per annum, you need to buy a certificate worth at least 100 million rubles. for a period of 372 days.

Foreign and domestic rating agencies have determined the development forecast for AK Bars Bank as stable. This allows you to plan for the medium term. According to experts' forecasts, the deposit rates of AK Bars Bank in 2017 will remain at the current level. When deciding to make a deposit, do not forget that life is constantly making its own adjustments.

If you plan to place a deposit with AK Bars Bank, take into account the recommendations of professionals:

1. Before entering into a contract, determine its purpose. If your task is to get - choose the "High result" deposit, which will provide the maximum rate. If you want to make a gift - stop at a savings certificate.
2. Decide on the deposit currency - given the possibility of a fall in the ruble, it is worth looking at a more stable currency.
3. Choose the term of the deposit - long-term relationships with the bank allow you to get a higher profit. However, premature termination of the contract will not allow you to receive it.