Types of deposits in Belarusbank. Deposits in Belarusian rubles: interest rates and conditions. Time deposits in foreign currency of Belarusbank

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

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.

It will help you calculate the amount of income when opening a deposit and will allow you to better understand current programs.

Belorusbank occupies a leading position in the banking sector of Belarus, providing clients with a full range of services. Deposits for the bank are one of the priority areas, so it offers a wide variety of programs.

Features of deposits:

• Long periods - the deposit period can be 5 years, and in the case of the Care program even longer.
• Short terms – The “Guaranteed Income” and “Savings Certificate” programs have a period of 15 days.
• Large selection of currencies: from national to dollars, euros and Russian rubles.
• The most profitable deposits are those made in Belarusian rubles.
• Inclusion of the refinancing rate indicator in deposit rates.

SR – official refinancing rate of the Republic of Belarus.

Programs in Belarusian rubles:

Programs in foreign currencies:

Calculate an example for yourself by filling out the form provided on this page.

Belarusbank deposit calculator

Modern people do not want to live without money. This is understandable; a normal person feels inferior without having a certain amount of money. After all, not everyone can afford to buy a car, an apartment or a house in the village without saving money in one day. Even well-paid workers must save money for major purchases. Some save little by little at home, others open deposit accounts.

As practice shows, for a long time the population has been accumulating their own savings in foreign currency. For example, Belarusbank deposits in foreign currency have been attractive to its clients for many years. Some are attracted by the possibility of early withdrawal of funds, others are satisfied with the interest rate, others are impressed by the possibility of monthly replenishment of the account, etc.

Tempting offers on Belarusbank deposits in foreign currency

Let's consider all Belarusbank's proposals for foreign currency deposits

As you can see, interest on deposits in Belarusbank in foreign currency has been very attractive for a long time. This explains the particular popularity of this bank among foreign currency depositors.

Of particular interest is the “Your Choice” program of Belarusbank - the bank offers to save money in rubles and foreign currency. Thus, a deposit in foreign currency is especially beneficial for those depositors who plan to keep a large amount - the maximum rate is 5% for a deposit of more than 15,000 US dollars or 15,000 euros. When storing from 2,000 to 15,000 USD/EUR, you will be offered a lower interest rate of 4.5% per annum.

The same high rates for the “Your Choice” deposit in Belarusian rubles, their size depends on the amount placed:

• 4% per annum – inclusive up to 50,000 Belarusian rubles;
• 4.5% per annum – inclusive from 50,000 to 350,000 Belarusian rubles;
• 5% per annum – over 350,000 Belarusian rubles.

No less tempting conditions for this deposit are the 0.5% bonus income.

The classic plus bank deposit, in addition to monthly prolongation, capitalization, and interest withdrawal, also offers other, no less tempting offers:

• After a 3-month period (during which withdrawals cannot be made), you can make any debit transactions without the risk of losing the profitability of this deposit;
• You can top up your deposit at any time, without any restrictions;
• The highest premium income is expected - up to 0.6% per annum.

How our compatriots react to changes in the financial market

It just so happens that our compatriots are accustomed to keeping their savings in dollars. This situation in the banking market has been going on for decades, which causes a negative perception by regulators. They resorted to all sorts of measures to tip the scale of public trust in the direction of their native national currency. And only in 2008 the situation finally changed: the balance of deposits gradually began to tip in favor of the national currency.

For the first time, the volume of deposits in dollars and euros was inferior to ruble deposits. Constant fluctuations in the foreign exchange market, the peculiarity of the excess of the yield of the national currency over the domestic ruble, inclined our compatriots to keep their own savings in Belarusian rubles.

However, at the slightest changes in the financial market, our compatriots react instantly by transferring their own savings into foreign currency. As soon as Belarusbank deposits change their interest rates or currency exchange rates, compatriots flock to banks. And this is quite understandable, because every person is interested primarily in the safety of their own money, and only then they think about how to have a 100% guaranteed income.

Often, clients do not withdraw their own funds from banks, they simply transfer them from one currency to another, from one deposit to another.

Features of the Demand Deposit

The Belarusbank Demand Deposit is attractive to potential clients of the bank because it allows them to make outgoing and incoming transactions without any restrictions. Many investors who plan to save funds for a long time are impressed by this feature of this deposit, such as storing funds without restrictions. Thus, the investor can count on maximum profitability of this deposit. Is this really so, let's consider in more detail:

Features of Belorusbank deposits in Belarusian rubles

However, the situation in the financial market over the past five years allows us to be convinced that our compatriots have begun to trust the innovative projects of Belarusbank, including opening deposits in the national currency.

Let's consider deposits in Belarusian rubles at Belarusbank, their features, advantages and possible disadvantages, and special conditions.

Features of the “Priority” deposit

A unique banking product that, regardless of the situation on the foreign exchange market, guarantees stable profitability is the “Priority” deposit in Belarusbank. The main condition of this deposit is the placement of funds in Belarusian rubles. The main guarantees of Belarusbank are the return of savings in the amount of Belarusian rubles that is equivalent at the time of opening this deposit, plus basic interest income is added to this.

Important features of the “Priority” deposit are:

• calculation of additional income using a special formula (it can be found on the bank’s website) taking into account the US dollar exchange rate that has changed during storage of this deposit;
• payment on the deposit is made on the day when the account is scheduled to be closed.

Brief description of the Priority deposit of Belarusbank:

Features of the Savings deposit

The “Savings” deposit in Belarusbank involves longer periods of storage of funds - 3 years. This is an equally unique banking product that, reacting sharply to changes in the foreign exchange market, guarantees its depositors a stable profitability.

Features of the “Pension” deposit

People of pre-retirement age are increasingly interested in new banking products that have appeared on the financial market. One of such products today can confidently be called the “Pension” deposit of Belarusbank. What is special about this deposit?

First of all, this contribution has certain conditions:

• demand deposit for those depositors who are pensioners and receive a pension;
• assumes the possibility of performing any expense transactions;
• assumes the possibility of replenishment without restrictions.

Step-by-step actions for investors to open a “Pension” deposit:

1. Contact your banking institution.
2. Prepare a package of documents:
   • pensioners must present a document that proves their identity;
   • citizens who have not reached retirement age are required to submit a document certifying their identity + pension certificate or disability certificate;
   • WWII veterans must present a document that proves their identity + ID card of a disabled person or war veteran.
3. Draw up an agreement.
4. Use the terms of the deposit.

Features of the “Accumulative” deposit

The “savings” deposit from Belorusbank allows depositors to automatically renew the agreement for a new term. This is very convenient for those depositors who plan to continue their cooperation with the bank, but for a number of reasons do not have the opportunity to visit it in person. Now your personal presence to renew the agreement for this deposit after the expiration of the previous agreement is not at all necessary. All these conditions are stipulated in the “Accumulative” deposit program. Let's look at other features of this deposit:

Features of the “Guaranteed Income” deposit

Belarusbank's "Guaranteed Income" deposit, similar to the "Savings Deposit" deposit, offers depositors to automatically renew the agreement for a new term. This is very convenient for those depositors who, for a number of reasons, do not have the opportunity to personally visit the bank, but plan to continue their cooperation with the bank. After the expiration of the previous agreement, the personal presence of the depositor to renew the agreement for this deposit is no longer a mandatory condition. So Bularusbank is developing loyal banking programs for the majority of its potential clients. Let's look at other features of this deposit:

Features of the Housing and Savings Deposit

Today, the majority of our compatriots will be able to realize their dream and buy their own home. Belarusbank provides such opportunities to all its depositors. His product “Housing Savings” contribution for the majority of citizens living in our country and who have entered into a housing savings agreement will be one of the few chances to acquire the coveted square meters.

How to use the deposit calculator

It is quite clear that before deciding to open a deposit, each investor is obliged to think everything over carefully and take maximum action to reduce their own financial risks. The program will help you make the right decision: Belarusbank deposit calculator.

You can find this program on the bank’s official website. Having a more than 90-year history of its financial activities, Belarusbank tries to make all its activities as transparent as possible for potential clients and develops banking products that are accessible to the majority of our compatriots. So WTO, feel free to connect to Internet banking and resolve all issues directly with the bank’s financial representatives. Don't believe rumors - calculate your income yourself.