Deposit welcome percentage. Deposits of FC Otkritie Bank. Otkrytie Bank deposit “Free Management”

If you want to increase your savings, you can open a deposit with FC Otkritie Bank. This product is distinguished by the ease of its design, as well as the benefits that the consumer receives when placing free Money. He manages to earn money without much effort, and the amount of income is directly proportional to the amount stored in the account.

When choosing a specific option, you should focus, first of all, on such a parameter as the level of applied rates. The higher the percentage, the better for the client. But timing is also of great importance. Typically, the longer money is kept in a savings account, the higher the return. The client needs to remember that if he withdraws partially or completely the entire amount, he will lose, since interest will be recalculated downwards - based on the current value of the Central Bank refinancing rate.

Useful services website

If you are looking for up-to-date information about bank offers for opening a deposit, go to our portal. Here we present only reliable information about current methods of investing available funds. With us you will find answers to all questions and do it in the shortest possible time.

You can be sure that the data posted here is carefully checked and is regularly updated. This is necessary so that you make decisions based on current interest rates.

To stop at the best option, should be compared current conditions provision of services in various banks. Once you select a specific product, going to the website of the organization you like will be as easy as shelling pears - using the direct link function.

Today, ruble deposits are the most popular, rather than in euros or US dollars. At the same time, the consumer always has the right to open a multi-currency account in order to minimize the risks associated with changes in exchange rates.

The most in demand among citizens are the following positions:

The undeniable advantage of our portal is that consumers from different regions of the country have Free access to the offers of the best banks, regardless of their territorial location.. All offers displayed on this page are the best or profitable solely in the opinion of Banki.ru experts.

In 2020, Otkritie Bank updated deposit rates for individuals, including pensioners. Let's consider how high interest rates can be obtained by opening a deposit today.

In 2020, Otkritie Bank offers clients, including pensioners, a wide range of individual deposits under favorable interest rates. It contains offers in rubles and foreign currencies for a wide variety of money management strategies.

For ease of perception, we have divided the savings offers of Otkritie Bank into 4 large groups:

In this review, we will examine in detail the features, pros and cons of each of the Otkritie Bank deposits for individuals, including pensioners. In addition, we will find out which savings offer is the most profitable.

Otkritie Bank deposits in 2020: interest and conditions

Recently, banks in Russia, including Otkritie, have been reducing interest rates on deposits. This is due to the decrease key rate Central Bank. And yet, so far the return on deposits at Otkritie is quite attractive compared to competing banks from the Top 10. Let's start with deposits that can bring the greatest income.

At the maximum percentage

You should pay attention to such deposits if you have a large amount. By putting it in the bank, you won’t have to worry about inflation eating up your money. There is also the opportunity to “live on interest”.

Otkritie Bank deposit "Reliable Promo"

As the name suggests, this is a promotional deposit. And accordingly, it must be something better than others in order to attract the attention of potential clients. Its main advantage is increased rate up to 5.5% in rubles, taking into account interest capitalization. But to get it, you have to invest quite a lot a large sum- minimum 750 thousand rubles. Replenishment or partial withdrawal of money without loss of interest is not provided. But interest can be withdrawn or capitalized depending on your desire.

(+) Plus: high interest rate.

(-) Minus: there is no replenishment and withdrawal of funds without loss of profitability, a large minimum amount.

Interest rates

5.5% per annum with capitalization;

5.37% per annum without capitalization.

Conditions

• Duration: 367 days;
• Amount: from 750,000 rubles;
• Replenishment: no;
• Partial withdrawal: no;
• Capitalization: yes;
• Interest payment: monthly;

Deposit calculator

Deposit of Otkritie Bank "Reliable"

This is the basic version of the previous deposit. More flexible. You can invest as little as 50,000 rubles and for various periods from 91 to 730 days. Distinctive features deposit - high profitability, no possibility of replenishment and partial withdrawal. Without sanctions from the bank, only interest accrued monthly can be withdrawn from the account. And you can capitalize them.

(-) Minus: inability to replenish and withdraw funds without loss of profitability.

Interest rates

Conditions

• Duration: 91, 181, 367, 730 days;
• Amount: from 50,000 rubles;
• Replenishment: no;
• Partial withdrawal: no;
• Capitalization: yes;
• Interest payment: monthly with capitalization or to a separate account;
• Early termination: at the “On demand” rate.

Calculate possible income on deposit

Otkritie Bank deposit "Basic income"

This is a classic time deposit individuals with high income and limited ability to manage funds. Provided by the terms and conditions monthly capitalization or payment of interest in a way convenient for you: to a current account, to a demand account or to bank card. Its main difference is the possibility of registration in US dollars with a rate that is favorable in modern times - up to 1.25% per annum.

(+) Plus: high interest rate.

(-) Minus: there is no possibility to replenish and withdraw funds without loss of profitability.

Interest rates

(with capitalization / without capitalization)

In Russian rubles

Conditions

• Duration: 91, 181, 367, 730 days;
• Replenishment: no;
• Partial withdrawal: no;
• Capitalization: yes;
• Interest payment: monthly or at the end of the term.

See also the conditions of deposits in Sberbank:

Deposits with replenishment

Such deposits will be especially beneficial if you plan to save money by depositing part of your income into the bank from time to time.

Otkritie Bank deposit "Active replenishment"

This is a deposit of individuals, the terms of which provide for the possibility of replenishing the account. But the interest rate will be correspondingly lower. Interest accrued monthly can be capitalized or withdrawn.

(+) Plus: there is a possibility of replenishment.

(-) Minus: there is no way to withdraw money without loss of profitability.

Interest rates

in Russian rubles

Conditions

• Duration: 91, 181, 367, 730 days;
• Amount: from 50,000 rubles / 1000 dollars;
• Replenishment: yes;
• Partial withdrawal: no;
• Capitalization: yes;

See what deposit rates Gazprombank offers today:

Deposits with replenishment and partial withdrawal

These deposits are not the most high stakes, but their benefit lies in the convenience of managing money in the bank. You will be able to replenish your account and also withdraw some money without fear of losing interest.

Otkritie Bank deposit "Free Control"

This is a deposit of individuals with maximum freedom of management: the ability to replenish and partially withdraw funds without loss of interest. It can be opened either at any bank branch or independently via the Internet.

(+) Plus: you can deposit and withdraw funds without loss of income.

(-) Minus: low interest rate.

Interest rates

(with capitalization/without capitalization)

in Russian rubles

Conditions

• Duration: 91, 181, 367, 730 days;
• Amount: from 50,000 rubles / 1000 dollars;
• Replenishment: yes;
• Partial withdrawal: yes;
• Capitalization: yes;
• Interest payment: monthly.

See interest rates and terms of deposits at VTB Bank:

Income account “My piggy bank”

This is a savings account with deposits and withdrawals of money without any restrictions on the amount and period. Its main feature and difference from a regular deposit is that interest is accrued on the amount of the average monthly balance/minimum account balance during the month. The terms also provide for an increase in the interest rate of up to 1% when purchasing an investment and insurance product.

You can open an account at a bank branch, as well as via the Internet or in a mobile application, not only in rubles, but also in dollars or euros.

Interest rates

In rubles

Allowances:

0.2% per annum in rubles if the client has a valid “Premium” status;
up to + 1.0% per annum in rubles when purchasing an investment and insurance product.

In US dollars
0.5% per annum

In Euro
0.01% per annum.

Conditions

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

Check "Cumulative"

This is an income account in which the interest rate increases depending on the length of time your savings are in the bank. But in its conditions there are a number pitfalls:

1. Interest is calculated separately on the amount of each replenishment.

Let's say you deposited 100,000 rubles into your account. In the first 2 months, this investment will have a rate of 3% per annum. And then it will grow, depending on the period of storage of money in the account.

After some time, you deposited another 100,000 rubles into your account. And again, this replenishment will be valid for the first 2 months minimum bid 3% per annum with the possibility of further increase.

Thus, for each new replenishment, the rate will be calculated anew - starting from 3% per annum.

1. When you withdraw money from your account, the amount of the last deposit is reduced.

You can top up or withdraw money from your account at any time and without restrictions. But when you withdraw money from the account, the amount of the last contribution is reduced, on which the minimum interest is charged.

Thus, your savings, which have been deposited for the longest time and generate the greatest income, will remain unchanged.

Interest rates

Conditions

• Deadline: not established;
• Amount: not established;
• Replenishment: no restrictions;
• Partial withdrawal: no restrictions;
• Interest payment: monthly and at the end of the term.

See what interest on deposits Rosselkhozbank gives today:

Deposit with registration of an investment product

This deposit has high interest rates. But we must remember that only the deposit itself with interest is insured. The money you use to buy investment products state insurance not subject!

Deposit "Open"

This is a deposit for clients who have entered into insurance contracts under investment products « Endowment insurance life" (NSJ), " Investment insurance life" (ISZH), " Trust management» (DM), as well as Trust management for the maintenance of an Individual Investment account(DU IIS).

(+) Plus: it is possible to increase the already favorable interest rate.

(-) Minuses:

There is no possibility to replenish and withdraw funds without loss of profitability;
cannot be issued without purchasing an investment product.

Interest rates

Allowances:

from 0.25% to 2.0% upon concluding an investment product agreement.

Conditions

• Duration: 91, 181, 367, 730 days;
• Amount: from 50,000 rubles;
• Replenishment: no;
• Partial withdrawal: no;
• Capitalization: yes;
• Interest payment: monthly.

How to make a deposit

There are several ways to open deposits for individuals at Otkritie Bank.

1. In the department. This path must be taken by those who apply to the bank for the first time. To make a deposit, you must contact the nearest bank office with an identification document. A bank employee will help you register Required documents, all that remains is to deposit money into the account. You will also have to contact a bank branch when registering a deposit for third parties.
2. In Internet Banking. Those who are already Otkritie clients and have access to Internet banking can make a deposit online. It's comfortable.
3. In the mobile application. This method will be convenient for those Otkritie clients who use mobile application jar.

What is the most profitable deposit of Otkritie Bank today - conclusions

Let's try to figure out which of the deposits in Otkritie is the most profitable today. The question, frankly speaking, is not simple.

Judging by the interest rate, these are “Reliable” deposits in rubles or “Basic Income” deposits in dollars. They have the highest profitability to date.

But there are also disadvantages: they cannot be replenished, and there is also no way to withdraw money without losing interest.

Therefore, those who need to not only save, but spend money if they need it, can pay attention to the income accounts “My Piggy Bank” and “Savings”. They make it possible to manage funds lying in the bank, and the interest rate is very good.

About the bank

"Opening" works on financial market since 1993, included in the list of systemically important credit institutions, approved by the Central Bank. The key shareholder of Otkritie Bank is the Bank of Russia with a share of 99.99%.

On January 1, 2019, the merger of Binbank and Otkritie Bank was completed. As a result, a new one appeared on the market big player, which offers clients a full line of modern financial products.

The bank's regional network includes 745 offices in 258 cities in 69 regions of the country.

A significant part of the business is concentrated not only in Moscow and St. Petersburg, but also in Yekaterinburg, Tyumen and Novosibirsk regions, Khabarovsk and Krasnodar Territories.

Otkritie Bank's deposits are insured by the state. Maximum amount compensation for insured event will amount to 1.4 million rubles, taking into account accrued interest.

Contacts for information and consultations

Phones:
8 800 444 44 00 (Free call within Russia),
+7 495 224 44 00 (Free call within Moscow).

Address:
115114, Moscow, st. Letnikovskaya, 2, building 4.

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