Tinkoff Bank multi-currency deposit problems. Tinkoff multi-currency deposit: what it is, reviews about it. Interest rates on foreign currency deposits at Tinkoff Bank

For example, are they included in the deposit insurance system? In what currency will the money be returned if the bank closes? If in rubles, how will they be recalculated? How to come to terms with low interest rates on the currency part of the deposit?

Well, in general, is it worth getting involved in this at all, if you keep it on deposit, for example,

Features of multi-currency deposits

The main difference from regular deposits is that multi foreign currency deposit consists of several accounts, each in its own currency. In Russia this is usually the ruble, dollar and euro.

Sometimes there are also less common currencies. For example, Tinkoff Bank offers the pound sterling as the fourth currency. Other banks previously offered deposits in pounds sterling, Swiss francs and Japanese yen.

The investor usually decides for himself in what proportions to divide the funds between currencies. The only limitation is the size of the minimum contribution under the terms of the deposit.

Rates vary by currency: the ruble has the highest, the dollar and euro have the lowest. At the same time, a multicurrency deposit has common interest payment conditions, expiration date and other parameters for all its parts.

Rates on deposits in dollars and euros are lower than in rubles, since different countries Refinancing rates differ. In Russia, in the USA - 2%, and in the EU - zero. This affects deposit and loan rates.

As part of a multi-currency deposit, you can transfer funds from one currency to another. This can often be done using online banking.

Theoretically, this is how you can make money on changes in exchange rates. In practice, in addition, banks often have a large spread - the difference between the purchase and sale prices of a currency, and conversion will occur at the bank's rate, which differs from the Central Bank rate. This reduces the chances of profitable investment in another currency.

How are multi-currency deposits insured?

Multicurrency deposits individuals protected by the Deposit Insurance Agency. The maximum compensation is the same as for deposits in rubles, that is, 1.4 million per bank. This means that holding more than this amount in one bank is risky.

If the bank loses its license, the DIA will after some time pay compensation in rubles at the Central Bank exchange rate on the day the license was revoked. If the exchange rate after the onset insured event changes in an unfavorable direction, you can lose some amount. But the opposite situation is also possible.

Is it worth using multi-currency deposits?

Depends on your preferences. On the one hand, for regular deposits the rates are almost always higher. Almost, since there are exceptions: for example, Tinkoff Bank has the same rates for multicurrency and regular deposits.

On the other hand, with the help of such deposits it is convenient to transfer money from one currency to another. Interest is not lost and there is no need to close the deposit. The question is whether you need it and whether you are ready to constantly monitor exchange rates and economic news.

Choose those deposits that are best suited to achieving your goals in terms of terms, profitability and other parameters.

If you have a personal finance question, credit history or family budget, write: [email protected]. We will answer the most interesting questions in the magazine.

Tatiana Frolova

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One of the popular services of Tinkoff Bank is storage cash in the form of a multicurrency deposit. Thanks to this opportunity, clients can not only save and increase their savings, but also quickly respond to changes in currency quotes and transfer their deposit from one currency to another.

Terms of foreign currency deposit

Official website.

A distinctive feature of deposits in several currencies is the client’s ability to independently exchange money in his accounts at the rate set by the bank on the day of the transaction.

Quotes.

You can store money in the following hard currency currency:

• rubles;
• dollars;
• euros and pounds sterling.

In this case, the service agreement bank deposit will be the same for all types of currencies with the same validity period. There will be a separate account for each type of currency. The client himself chooses how much money to store in which account, and can independently make a transfer from one to another.

The annual interest rate depends on the type of currency and the period of storage of funds.

Interest is calculated monthly. The client can accumulate them or spend them at his discretion, using debit card Tinkoff. A multi-currency card also involves linking to all accounts. Thus, several currencies can be stored on one card.

Deposit replenishment.

The following conditions apply to the deposit:

1. The minimum replenishment amount is 50,000 rubles, or 1,000 dollars or euros.
2. The total amount of all deposits should not exceed 100,000,000 rubles.
3. You can top up your accounts with any amount and at any time.

Partial early withdrawal of the deposit is allowed, but not earlier than 2 months from the date of opening the deposit.

Minimum amount set partial withdrawal cash:

• for an account in rubles – 15,000 rubles;
• for an account in dollars or euros – 500 USD.

Opening and replenishing a deposit on the Tinkoff Bank website or through the mobile application is free. When replenishing the deposit bank transfer the commission will be 0.5% of the deposited amount, with the exception of transfers made through partner banks.

Closing the account.

Upon closing, you can receive money within up to 2 business days.

Opening a deposit

To transfer your deposit to a multi-currency one, just go to your personal account on the bank’s website or use the mobile application. This can be done at any time and anywhere, since the bank provides customer service remotely online around the clock.

Calculator.

The official website tinkoff.ru has a calculator for calculating your benefits. You can use it to predict the profit from your investments.

The procedure for opening a deposit for new clients.

For those who first contacted Tinkoff Bank, to open a multi-currency deposit, you must fill out an application on the bank’s website, indicating the following information about yourself:

• mobile phone;
• date of birth;
• e-mail.

After the application is submitted, the bank will send a courier to sign the agreement within 1-2 days. A Tinkoff Black card is delivered along with the contract.

Conditions on the card.

In addition to the multi-currency deposit, you can use all other card features, including cashback and interest on the balance.

In the video you can see how the procedure for opening a new deposit occurs.

Multicurrency deposit V Tinkoff Bank– opening one deposit in several currencies at once. Let's consider the current conditions and interest rates, as well as customer reviews.

Multicurrency deposit in Tinkoff Bank

Since 2016, Tinkoff has introduced a program that allows you to make one deposit simultaneously in different currencies:

• Russian rubles;
• American dollars;
• Euro;
• pounds sterling.

The interest on each deposit within a multi-currency deposit is equal to the interest on the current corresponding deposits for at the moment. Money can be converted within a deposit without commission and while maintaining accrued interest.

What is a multicurrency deposit and how to properly place your funds on it

The ability to quickly change currency is main meaning Tinkoff multi-currency deposit. In case of a sudden change of course, the client will be able to easily and quickly online mode, without extra costs, transfer funds to the desired currency. At early closure contribution additional expenses it would be unavoidable.

It is noteworthy that Tinkoff Bank exchanges currencies at rates that are closest to the exchange rates at the moment. Other banks have a large gap between the purchase and sale prices (the so-called “spread”). Reviews of Tinkoff’s multi-currency deposit also note this advantage.

Each depositor is issued a Tinkoff Black debit card with up to 30% cashback on purchases. It is serviced free of charge if you have a balance of 50 thousand rubles/1000 euros/dollars. on a deposit in a currency that matches the card currency.

Basic conditions

Acceptable min/max amounts for one deposit:

• 50 thousand - 30 million rubles;
• 1 thousand – 1 million.u.

You can open up to 8 deposits per client for a total amount of up to 100 million rubles. (equivalent in foreign currency).

Deposit replenishment

You can top up your multicurrency deposit with no less than:

• 10 rub.;
• £1.00

Partial withdrawal

You can withdraw partial funds, but not earlier than 60 days after opening and in the amount of 15,000 rubles. or 500 $/€.

There are restrictions on conversion: at least 1000 rubles or 10 dollars/other foreign currency.

Interest on deposit

At Tinkoff you can make a multi-currency deposit for a period from 3 months to 2 years.

The interest and terms will be as follows:

• the highest interest is accrued on ruble denominated accounts - 5% for a period of 3-5 or 13-24 months, 6% - if invested for 6-11 or 12 months;
• interest in dollars: for 3-5 months. – 0.1%, 6-11 months. – 0.5, from the year – 1%;
• euros or pounds sterling will allow you to get 0.1% for an investment duration of up to 11 months, 0.3% for more than 12 months.

The deposit is replenished, accrued interest can be withdrawn to the card in the appropriate currency or left for capitalization.

According to the bank’s conditions, the deposit rate can be increased, but in this case replenishment of the deposit will be possible only in the first 30 days after its opening.

Multicurrency deposit management

Now let's figure out how to open and close a multicurrency Tinkoff contribution.

How to open

It is possible to make a multi-currency deposit at Tinkoff Bank in several ways, through:

• a special form on the bank’s website;
• personal account in online banking/mobile application;
• at the Tinkoff Bank office.

The last option is the least convenient and involves the withdrawal of a commission in the amount of 1 thousand rubles, or the equivalent in foreign currency. Remote registration methods involve filling out the form data yourself and submitting a deposit application, then the courier will deliver the deposit card with documents to you personally within 1-7 days.

If you have a valid deposit in the bank, you can easily make it multi-currency: go to your personal account – Deposit options – Actions – select Make a multi-currency deposit.

The Tinkoff multicurrency deposit is managed remotely and instantly in the client’s personal account. They are also reflected there current courses currencies at the moment is an option that allows you to most quickly respond to changes in the exchange market.

How to close

For the convenience of the depositor, the deposit is automatically extended. How to close a multi-currency deposit at Tinkoff Bank to prevent this from happening?

If you decide to completely close the deposit, you must select the “close by deadline” option in the user’s personal account a week before the end of its term. This will allow you to finally close your multi-currency deposit, and automatically transfer the money to plastic, after which you can use it as usual: spend, cash out, shop online.

Deposits in Tinkoff Bank - This cash deposit for a selected period, with or without the possibility of replenishment, with interest accrued monthly and at the end of the billing period.

Tinkoff invites every current and future bank client to open profitable investment when partial withdrawal of funds is possible, and monthly capitalization be made either to a debit card or to the deposit body itself. You choose how exactly to do this.

Deposit terms

The duration of the money on deposit is measured in months, and the amount of interest depends on this duration. The percentage also depends on the currency in which the deposit is opened. The most profitable ones are in Russian rubles; the rate in foreign currency is low, however, if you compare dollars and euros, it is better to open in dollars, it is slightly higher than the euro. In addition, the dollar is traditionally more stable than the European currency.

The standard deadlines at the moment are: 3-5 months, 6-11 months, 12 months, 13-24 months. You can choose any one within the designated intervals.

Some people think that longer term deposit, the higher the rate will be. Unfortunately, this is not entirely true. But the situation is constantly changing, sometimes the rate may be higher for a period of up to a year or a year, and sometimes for a period of more than a year.

Rates

As we can see, by placing a deposit for less than six months, your rate in rubles will be 6.69%, in dollars – 1%, in euros – 0.1%.

Click to enlarge

Placement from six months to 11 months inclusive will immediately increase the rate. In rubles it will become 7.76%, in dollars 2.01%, in euros it will not change at all and will remain 0.1%.

Placement for a year will leave the rate in rubles the same = 7.76%, in dollars it will become higher than 2.52%, in euros it will remain unchanged - 0.1%.

A further increase in the deposit term will, on the contrary, lead to a reduction in rates.

*The data is updated periodically.

I don’t even know what to say about the contribution to the Euro. It's not about anything at all. What is the point of such a contribution? In dollars and rubles even more or less.

Advantages of deposits that you will like

Good conditions for deposits will allow you not to spoil your mood from a low rate, and additional functionality will allow you not to bother with withdrawal/replenishment issues and other technical issues.

Multicurrency deposit

A multi-currency deposit will allow you to keep money in 3-4 currencies at once within one deposit.You yourself can decide in which currencies and what part to store. Choose in rubles, dollars, euros and pounds sterling.

Money from one currency inside a deposit can be easily exchanged for another, changing the ratio of each. There are no interest losses, the exchange is instant, the rate is current at the time of exchange.

The accumulated interest remains either on the body of the deposit, or can be “reset” to currency card(currency account).

Even if you already have a regular one open, it is easy to transfer it to a multi-currency deposit.

Debit card for opening a deposit

Everyone who opens a deposit with Tinkoff is offered a debit card Tinkoff Black. It greatly facilitates interaction with the bank’s online services (personal account, mobile bank etc.), makes you complete and regular customer bank, which is entitled to all the goodies and preferences.

There is no need to abandon it; we have written in detail about the card itself.

This includes 5% cashback, 6% account balance, cash withdrawal and easy replenishment, multi-currency and much more.

The mobile bank is recognized as one of the best in Russia, and the stylish black design will not leave you indifferent.

In addition, you can transfer the income received from the deposit to this card with one touch and pay for all purchases with it. Moreover, it doesn’t matter what currency your deposit is in. The card allows you to store and transfer money in rubles, dollars, euros and British pounds sterling.

Opening a deposit

How to open a deposit correctly, what actions need to be taken, where to write or call.

The procedure depends on whether you are an existing client of Tinkoff Bank and have Tinkoff map Black or not, you don't have a card either.

• Let's say you are not a bank client yet, you do not have a debit card. The opening can be done this way: by filling out an application on this page or by calling 8 800 555-77-78.

When filling out the mini-questionnaire, you need to indicate your full name, what kind of contribution (amount, currency, term), and indicate your phone number. They will call you, the courier will come to you with an Agreement for banking services, and will also bring a debit card with you. All you have to do is sign the Agreement and then top up with any of the available ways deposit body.

• If you are a client of Tinkoff Bank. Then everything happens in Personal account Internet banking (for computer, laptop) or in Mobile application(for smartphone, tablet).

1. Under All Products, select New Product.
2. Select “Bank” → “Savings” → “Deposits”.
3. Configure the deposit parameters and click “Open contribution”.

Is there a minimum deposit amount?

Yes, I have. In rubles it is equal to 50,000 rubles, in other currencies it is 1,000 dollars, euros or pounds sterling, respectively.

If you top up with an amount less than the specified amount, the money will not be deposited, but will be credited to the balance of your Tinkoff Black debit card.

Calculation of interest. How does this happen?

Interest is credited monthly. You can easily view all this data in your Personal Account or Mobile Application, and the information will also be sent to your email(email), so we strongly recommend that you get one if you don’t already have one.

Where to choose where to send monthly interest - to the body of the deposit or to the card?

Initially, when applying for a deposit, leave or uncheck this box.

You can also do this in your Personal Account. Go to Deposit – Actions – Accrual type%. Check what you need.

Only I personally have access to the deposit. Or can you give it to your wife, father, child?

No, you cannot give access to anyone. It is only with you personally.

Deposit replenishment

It’s not difficult to top up your deposit, let’s see how this can be done:

The transfer from a bank card will go to the Deposit Agreement number, this can be done on this page

Cash replenishment is easy to do in your own Tinkoff ATMs, .

Auto-replenishment will also be available to you in your Personal Account. If you enable this function and specify the amount and time interval, then part of the money from the card will be transferred to the deposit within a certain period.

How to set up automatic replenishment?

1. In your personal account, select a deposit and click “Top up”. Enter the amount and click “Transfer”. The deposit has been replenished.
2. Click “Set up auto payment.” Specify the frequency, amount and click “Enable”.
3. Confirm the operation with the code that will come in the notification from the bank.

Withdraw money from deposit

If you want to withdraw money completely, then this is already closing the deposit. You can withdraw the accumulated interest or withdraw part of the money.

Interest withdrawal:

1. In your personal account, select deposit → “Actions” → “Type of interest accrual”.
2. If the deposit is multi-currency, select “Change” → “Transfer to card”.
3. If the deposit is single-currency, select “Transfer to card”.
4. Click “Save accrual type.”

Withdrawing part of the money:

Withdrawals are allowed, although only 60 days after opening the deposit. At the same time, you need to understand that you you will lose all accrued interest on the withdrawal amount (recalculation will occur).

• All information will be available in your Personal Account or in the Mobile application for smartphones.
• The minimum withdrawal amount is 15 thousand rubles or 500 (euros, dollars, pounds).
• Where does the partially withdrawn money go? They will be transferred to your Tinkoff Black card.

To withdraw, just submit an application. The process takes 1-2 days.

Deposit extension

By default, automatic renewal of the deposit is configured . And if you are not going to close it, then on the last day of the deposit’s validity it will renew itself, without your participation, for the same period as it was. The main thing is that the deposit balance has a minimum amount of 50 thousand rubles or 1000 (euros, dollars, pounds).

If you don't need the extension, you can turn it off. Watch the video below:

Deposit calculator

The deposit calculator will help you quickly and clearly calculate its profitability.

Important values ​​must be specified in the fields:

1. The amount you want to deposit. Starting from 50 thousand rubles. Maximum amount– 30 million rubles.
2. Posting period. Specify any period from 3 months to 2 years.
3. Deposit currency. Set the calculation in which monetary units you want to do, this changes the interest rate greatly.

For example, in the figure below, selected : amount 800 thousand rubles for a period of 12 months. As a result, for the year we will receive 62,121 rubles, and the total amount will be 862,121 rubles.

By default, “positive” checkboxes are set, which definitely increase profitability. Don't take them off. This is a bonus, an increase in the rate and leaving interest on the body of the deposit.

The calculator itself is located on this page: https://www.tinkoff.ru/deposit/

Deposit insurance

As you know, banks in Russia are constantly closing, and many have their license to operate banking. Tinkoff Bank is on the list of one of the most reliable banks.

However, the Deposit Insurance Agency insures all deposits in Russian banks. Tinkoff Bank is also connected to this program.

According to the state laws of the Russian Federation, the total amount of insurance is 1,400,000 rubles. Investors receive this money in any case. The amount exceeding these values ​​is returned as a result of the liquidation and sale of the bank's property.

State Corporation “Deposit Insurance Agency”

It is important to know that the amount is total and includes: deposit, account (balance) debit cards, account balance. Take this into account when calculating.

If the deposit is in foreign currency, then the amount is calculated in ruble equivalent. For example, there is $25,000 on deposit, the dollar exchange rate is 58 RUR. Equivalent in rubles - 1,450,000 RUR. RUR 50,000, that is, $862, is not covered by insurance.

Closing a deposit

There are 2 options here: the deposit will close itself upon expiration (to do this, you need to disable auto-renewal, since it is enabled by default. See above, about renewal) or submit a request for closure.

Tinkoff's multi-currency deposit is innovative solution in the field of capital investment. Responding to modern challenges, Tinkoff Bank launched a new Multicurrency deposit option, and clients leave mostly positive reviews. Its use will allow the owner to quickly respond to a changing course, carry out currency transaction online and thus preserve the value of your own deposit.

Multicurrency deposits

How does such a deposit work, and why is opening it beneficial for the investor?

At Tinkoff Bank, a multi-currency deposit is linked to one current account. The depositor has the opportunity to convert funds placed on the account at the current bank rate, which reflects real exchange rates during trading.

Therefore, currency jumps stop worrying you; you can simply transfer money to another currency without significant losses, which would inevitably occur if early termination agreement or if the exchange rate fluctuates significantly during the validity period of the agreement.

In what currencies?

A multi-currency deposit at Tinkoff Bank can be opened simultaneously in 4 currencies:

• In rubles;
• In US dollars;
• In euros;
• In pounds sterling.

Consequently, the depositor has the opportunity to transfer money in the account in accordance with the real state of affairs in international trading, while maintaining the value of the deposit, which is very convenient judging by the feedback from depositors.

What is a multi-currency deposit and how to open it?

How to open?

How to open a multi-currency deposit at Tinkoff Bank? To do this, just go to the website and select the deposit you are interested in. For existing clients there is another opportunity: in Internet banking, simply combine (or transfer) your existing investments into one multi-currency deposit. An additional advantage of this solution will be the opportunity to save on service fees bank cards. This offer is valid if at least one of the following points is met:

• Availability minimum amount(separately for the account or in total for all accounts);
• Availability of a valid ruble loan;
• Availability of funds on the card in the amount of 30 thousand rubles. or 1,000 euros/dollars/pounds;
• If this item included in the loyalty program.

Such additional features opens a multi-currency deposit at Tinkoff Bank. Reviews from those who took advantage of this offer indicate its benefits and prospects.

Conditions for calculating interest

• Minimum contribution: from 50 thousand rubles. or equivalent in any currency;
• Replenishment: possible in the first month in the amount of at least 10 rubles. or 1 euro/dollar/pound;
• Valid: from 3 months to 2 years;
• Interest rate: distributed as follows:

3-5 months – 5.5% in rubles and 0.2% in euros/dollars/pounds;

6-11 months – 6.5% /0.5% / 1% / 0.5% in rubles/euro/dollars/pounds, respectively;

12 months – 8%/ 0.75% / 1.5%/ 0.75% in rubles/ euros/ dollars/ pounds, respectively;

13-24 months - 8%/ 0.75% / 1.5%/ 0.75% in rubles/ euros/ dollars/ pounds, respectively.

• Accrual of %: monthly.
• Early termination: at the “On Demand” rate.
• Capitalization: provided, subject to the addition of accrued interest to the principal amount of the deposit.

All additional conditions can be found on the official website of the bank. There is also a special calculator that will help determine profitability multicurrency deposit and appreciate all its benefits.