Ak Bars Bank deposits. AK Bars Bank - overview of deposits for individuals Deposits of AK Bars Bank in the year

Ak Bars Bank offers time deposits in both national and foreign currencies. There is a savings deposit program without the possibility of increasing the principal amount or withdrawing funds in part. A savings deposit with a higher interest rate can be opened as part of a comprehensive product. A savings deposit program has been developed with the possibility of making additional contributions during the deposit period. The client can place a spending-savings deposit within the framework of one of the Bank's programs. The Bank also provides the opportunity to open a permanent deposit without restrictions on the amount.

Features of deposits. Ak Bars Bank deposit programs have a number of the following features:

• The interest rate depends on the amount, term of the deposit and the currency in which it is opened;
• Additional interest rates are provided for pensioners, as well as when placing a deposit remotely;
• Payment of accrued interest is carried out in a lump sum at the end of the term or every month with subsequent transfer of funds to a separate account - at the client’s choice. When registering a deposit remotely, interest is paid at the end of the deposit term;
• Both citizens of the Russian Federation and citizens/subjects of any other state, as well as stateless persons and refugees can make a deposit with the Bank;
• There are no restrictions regarding the maximum deposit amount;
• Provision is made for prolongation of the deposit after the expiration of its validity period under the terms of the primary agreement. The number of extensions is not limited;
• The possibility of premature termination of the deposit agreement is allowed, in which case interest is recalculated at the rate of a permanent deposit. Some programs provide a preferential procedure for early closure of a deposit;
• The depositor can draw up and certify free of charge at the Bank's office a power of attorney to carry out deposit transactions;
• The Client has the right to draw up a testamentary disposition at the Bank branch regarding the funds in the deposit account;
• The client may instruct the Bank to transfer part of the interest accrued on the deposit to charitable purposes.

How to open a deposit? Ak Bars Bank provides the following methods for placing a deposit:

• At the Bank branch. The client is required to have an identification document with him, for example, a civil passport, pension card, or military service member’s ID. You also need a document certifying the fact of registration - if this information is not indicated in the identity document. If available, you must provide a TIN. Foreigners and stateless persons submit an identification document and a migration card and/or a document confirming the legality of their stay on the territory of the Russian Federation, for example, a residence permit. Refugees must carry appropriate identification;
• Remotely – using Internet banking. Available to existing clients of the Bank. When placing a deposit remotely, a higher interest rate applies.

Closing the deposit and withdrawing money. The deposit is closed upon request from the client on the last day of the contract term. Refunds can be made in cash or by bank transfer. If the deposit is not claimed, it is automatically extended for the same period. Premature closure of the deposit is allowed, and the program may provide for a preferential closure procedure, which involves saving part of the interest. Otherwise, interest is recalculated at the rate of a permanent deposit.

AK BARS began its history in 1993. At the moment, this organization has everything necessary even for a demanding client.

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The deposits of AK BARS Bank look interesting, because, firstly, there are enough of them to choose something suitable for yourself, and, secondly, they have fairly flexible conditions that allow you to optionally customize the product to your own needs.

Types for individuals in 2020

Deposits at AK BARS Bank are divided into two main categories:

• urgent;
• poste restante.

Time deposits provide for high returns, limited periods for which the deposit is made, restrictions on the maximum and minimum deposit amount, and sometimes the inability to carry out debit and receipt transactions.

Demand deposits are distinguished by practically unlimited possibilities for withdrawing and replenishing funds and the absence of restrictions on the minimum and maximum amount of funds that can be in the account.

If you plan to receive high returns, you should take a closer look at the first category; in the same case, if you just need a deposit for making payments with other persons, you should choose one of the Demand deposits.

The line of time deposits includes 7 products:

• Income guarantee;
• A person;
• Good traditions;
• Do good;
• Pension;
• Profitable;
• Station wagon.

Deposits on demand:

• Classical;
• Cumulative;
• Savings Pension.

Conditions

The following conditions apply to time deposits:

Interest rates

AK BARS Bank deposit rates may depend on:

• amounts;
• term;
• currencies;
• other parameters.

For example, the Income Guarantee deposit in AK BARS Bank has the following range of rates depending on the period of funds being in the account:

This division into periods is necessary to ensure the possibility of early termination on preferential terms.

As in many other banks, AK BARS allows the depositor to save interest for the full expired period, but for incomplete income there will be a significant loss.

By the way, the Income Guarantee deposit has the highest rate of all those presented in the AK BARS line. For other products, the profitability is significantly lower.

The Profitable deposit in AK BARS Bank allows you to earn up to 8% per year. Here the interest depends on the amount, the term, and the currency.

For the ruble deposit Income the values ​​will be as follows:

There are very low interest rates on demand deposits. According to Classic, the value of 0.1% per annum is set for any currency.

If we consider the Cumulative Demand Deposit, then the rates on it, although low, still increase along with the increase in the amount of the minimum account balance.

Dependence of the amount min. The balance and interest rate can be viewed below:

How to open deposits in AK BARS Bank

To open any deposit at AK BARS Bank, you will need:

• find the nearest service office;

• present to the specialist a passport or other identification document;
• if there is a TIN certificate, this document must also be presented;

• if a citizen has never used bank products and services before, he will need to enter into a Comprehensive Banking Services Agreement ();
• finally, deposit money into the deposit account in cash or by non-cash method.

If funds are deposited through a bank cash desk, the basis for concluding a deposit agreement will be a cash receipt order. For non-cash replenishment - a check order or receipt.

The received document on depositing funds must be presented to the employee, fill out the deposit agreement and sign it. If the terms of the deposit provide for replenishment, do not forget to regularly make additional payments to receive even more income.

Posting rules

BARS operates general order placing deposits. Here are just some excerpts from it:

• placement of funds is carried out for a fixed time;
• all time deposits are accepted for opening in any of the three main currencies - rubles, US dollars or euros;
• interest accrues starting from the day following the day of receipt financial resources to the deposit account, before the expiration date of the deposit in accordance with the terms of the agreement;
• accrued interest is added to the deposit balance;
• interest is expressed as an annual percentage; if it is necessary to calculate the profitability for one month, the corresponding rate must be divided by 12;
• All information posted on the bank's website is not a public offer.

Are you insured?

Yes, by all means individuals, placed on deposits of AK BARS, are insured in accordance with. This means that a citizen who has placed his money in one of the deposits should not worry.

If an insured event occurs, such as bankruptcy or revocation of a license, insurance will be paid to cover the entire amount of the deposit.

The maximum amount of insurance payment cannot exceed 1,400,000 rubles. Deposits of a larger amount will be compensated only within 1.4 million rubles, and the remaining amount of funds will be lost without the possibility of reimbursement.

If money is placed not in rubles, but in foreign currency, then this is also subject to Federal law.

However, before making the insurance payment, the deposit amount will be converted into Russian rubles at the Central Bank exchange rate established on the date of the insured event. And only after the funds have been converted will compensation be paid.

Is it possible to issue a power of attorney for disposal?

For those who have temporarily free funds, we offer to make Ak Bars deposits in Moscow for individuals 2020. Here you are guaranteed a high return on your 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.

Selection of financial products at Ak Bars Bank

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

1. The Simply Multiply version has 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 “Simply Increase” product provides the possibility of incomplete withdrawal with the condition that the account balance will not be less than the amount of the first installment. At the same time, its yield in %% is maintained. 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 receive additional features To manage your contribution, pay attention to the “Simply Manage” program. You can withdraw more money from such an investment, up to 50% of the original amount, while maintaining the accrued interest. The price for this is a slight decrease in profitability compared to 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 pick up profitable terms agreement, you can contact bank 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 complete 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 absolutely the same. The profitability of ruble deposits is higher, and currency analogues will relieve the client from the risks of exchange rate fluctuations and the need to pay a margin when purchasing currency. Saving in dollars is a great way to put money aside for a planned vacation abroad while earning a little extra income.

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

The products have the following options: replenishment, partial withdrawal, partial retention of the rate upon 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 your Passport;
• Sign the documents for opening a deposit;
• Enter cash to the deposit bank account.

1. “Simply save up” deposit program

One of the Bank's best products, with high rates, the ability to withdraw interest monthly, a low opening threshold, and partial retention of interest upon early termination (only for deposits with a maturity 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 amount of the initial contribution).

** – in case of early termination of the contract, interest is paid at the “Demand” rate. If the deposit was opened for 720 days, then starting from the 370th day, in case of early termination, 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: transfer it monthly to the card account, or withdraw the accrued interest at the end of the term.

Interest rates deposit “Just save up”

2. “Simply multiply” deposit program

Deposit with a large minimum opening amount and favorable rates. The minimum down payment amount is 1 million rubles. If we list the advantages of the program, there are a lot of them: monthly withdrawal of interest on the card, replenishment, partial withdrawal - in other words, a full set of options necessary for the investor. Interest is paid at the client's request: monthly with a transfer to the card account, or at the end of the term (along with the body of the deposit).

A 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 a deposit amount of 3.5 million rubles (plus take advantage of increased rates - how to get them, see the table below). According to the terms of the agreement, if, when replenishing or partially withdrawing, you move to another level of the amount gradation, then the deposit rate will change its value to that corresponding to this level (see table of rates).

* – the minimum and maximum replenishment amount is not limited.

** – expense 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 maturity of 720 days, part of the rate is retained (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, is 0.10% per annum.

How to increase the deposit rate?

3. “Easy to manage” deposit program

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 contribution will allow any investor to open a deposit. Payment of interest upon request: to the card account monthly, or at the end of the term.

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

** – expense 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”) there is a preferential rate 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 “Easy to Manage” program

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

4. Deposit program “Just seize 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 “improved rates”, you can 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 are not provided for by the terms of the agreement. Accrued interest can be withdrawn monthly (dollars and euros) or at the end of the term (rubles). You can extend your deposit an unlimited number of times.

Interest rates under the “Just Seize the Moment” program

How to increase the deposit rate?

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, by 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 an automatic transfer of part of the income to the Ak Bars Creation Charitable Foundation.

The “Multicurrency” deposit program will help you preserve and increase your savings by simultaneously storing them in three currencies.

1. Deposit program “Holiday Interest” - with monthly income payment

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

The product comes with a promotion, the maximum you can get is 9.30% per annum.

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

Pros of the program: 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 opening date). If you have made a deposit for 93 days, then unfortunately you cannot replenish it.

The deposit is replenished with amounts starting from 5 thousand rubles (the total replenishment amount should not exceed 3 times the amount of the initial 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 you can receive is in rubles - up to 9,10 % per annum. If you want to invest your savings in dollars or euros, that option is also available here.

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

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

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

Interest payment(optional):

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

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

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 (we receive a maximum of 10 thousand euros from a deposit 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 period of 186 and 372 days): ₽ – 2.5% per annum, $ – 0.3% per annum, € – 0.1% per annum.

3. Donation program “Do Good” - help sick children

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

10% will be “written off” from your income and transferred to the Charitable Fund.

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

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

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

4. “Income Guarantee” deposit program – choose the maximum benefit

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

The fact is that the entire deposit period (720 days) is divided into four periods. And accordingly, each such period has its own rate (see table).

To find out the actual rate on the deposit, you need to add up all 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 be calculated interest on the deposit for 720 days.

Bank loyalty bonus

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

These products must be issued no earlier than 1 year from the date of opening the deposit.

A deposit can only be opened 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 the 180th day of “deposit life”.

5. “Multi-currency” deposit program – store money in three currencies simultaneously

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

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

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

The deposit is suitable for large investors who know a lot about this issue and know how to anticipate trends in the foreign exchange market.

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

Interest payment- at the end of the term.

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

You can see interest rates in the table below...

Rates in rubles (“Multi-currency”)

Rates in dollars (“Multi-currency”)

Euro rates (“Multi-currency”)