7 place: "Universal" contribution
The "Universal" contribution is created for successful citizens who want to manage their savings. The maximum rate is 9.65% for the contribution in rubles( with the deposit more than 5 000 001 rubles), 2.65% for the contribution in US dollars( with the deposit amount in excess of 200 001 US dollars) and 1.75% for the contribution to the euro( with a deposit amount of 200,001 euros).The minimum rate is 9.5% for the contribution in rubles( with the deposit amount up to 500,000 rubles), 2.5% for the contribution in dollars( with the deposit amount up to 15,000 US dollars) and 1.6% for the contribution to the euro( with the amountcontribution up to 15 000 euros).The deposit is opened for 1 year. The size of the interest rate depends on the amount of the deposit.
The minimum amount required for opening is 50,000 rubles, 1,500 US dollars or 1,500 euros. The contribution "Universal" provides for both replenishment and withdrawal. The minimum amount of replenishment is 1 000 rubles, 50 US dollars or 50 euros. You can withdraw any amount within the minimum balance. The minimum balance for each deposit is the minimum deposit amount. The deposit provides monthly capitalization of interest. The deposit is made for exactly 1 year.
6th place: deposit "Accumulative"
Deposit "Accumulative" is designed for those citizens who plan not only to save savings, but also to save for future purchase or rest. The deposit is opened for a period of: 9 months, 367 days, 733 days and 1080 days. The maximum interest rate is 10% for the contribution in rubles( term 367 days), 2.75% for the contribution in US dollars( the same period) and 2% for the contribution to the euro( the same period).
The minimum interest rate is 8.75% for a contribution in rubles( 1080 days), 2.25% for a contribution in US dollars( 1080 days) and 1.25% for a contribution to the euro( term 281 days).The size of the interest rate depends on the period.
The minimum amount for opening a deposit is 3,000 rubles, 100 US dollars or 100 euros. Within the framework of this contribution, replenishment and a monthly payment of interest to a separate account are provided. The minimum amount of replenishment is 1 000 rubles, 50 US dollars or 50 euros. The undoubted advantage of this product is a preferential early termination.
5 place: contribution "Pension income"
Deposit "Pension income" is created for individuals who are pensioners. To open the deposit you need to show a pension certificate. The maximum rate of 10.25% for the contribution in rubles, 3% for the contribution in US dollars and 2.25% for the contribution to the euro. The deposit can be opened for a period of: 181-270 days, 271-366 days, 367-732 days, 733-1079 days or 1080 days. The minimum interest rate is 9% for a deposit in rubles( term 733-1079 or 1080 days), 2.5% for deposits in US dollars( term 733-1079 or 1080 days) and 1.75% for a contribution to the euro( term 733-1079 or 1080 days).The size of the interest rate depends on the period.
The minimum deposit amount is only 1,000 rubles, 50 US dollars or 50 euros, which will allow anyone to start saving, if there is a minimum amount of money. During the validity period of the deposit, replenishment is possible.
The minimum amount of replenishment is 1,000 rubles, 50 US dollars or 50 euros. It is allowed to contribute up to 3 months before the expiration of the contract. Undoubted advantage of the contribution "Pension income" - interest is charged monthly, to a separate account.
4th place: contribution "Prestige"
The contribution "Prestige" is specially developed for those clients who like an individual approach. The minimum deposit amount is 3 000 000 rubles.
The maximum interest rate of 10.25% for a deposit in rubles( term 271-366 days), 3% for US dollars( term 271-366 days) and 2.25% for a contribution to the euro( term 271-366 days).The minimum interest rate is 9% for a deposit in rubles( 733-1079 or 1080 days), 2.5% for US dollars( 733-1079 or 1080 days), and 1.25% for a contribution to the euro( 181-270 days).The size of the interest rate depends on the period.
The deposit "Prestige" provides for replenishment for any amount, during the whole term of the deposit, but not later than 3 months before the end of the term. Interest payments are made monthly, by transferring them to a separate account.
3rd place: contribution "Gosstrakhovskiy"
The contribution of "Gostrakhovskiy" is designed for those citizens who want not only to save their savings, but also to maximize them.
The undoubted advantage of this deposit is the maximum interest rate of 11.25% for a deposit in rubles( a period of 271-366 days, with a deposit of 100,000 rubles), 3.25% for a deposit in US dollars( term 271-366, 367-732, with the deposit amount exceeding USD 15,001) and 2.50% for the contribution to the euro( term 271-366 days, with the deposit amount exceeding EUR 15,001).
The minimum interest rate is 8% for a deposit in rubles( up to 90 days, with a deposit of 100,000 rubles), 0.25% for a deposit in US dollars( up to 90 days, with a deposit of 100 to 3,500 US dollars) and 0.1% for the contribution to the euro( up to 90 days, with a deposit of 100 to 3,500 euros).
The size of the interest rate depends on the term and amount of the deposit.
The minimum amount that is needed to open a deposit is 3,000 rubles, 100 US dollars or 100 euros. It should also be noted that this is the only contribution that can be opened for a period of 31 days to 3 years. There is no possibility of replenishment and withdrawal of funds for the deposit. Interest is accrued at the end of the deposit period.
All ratios of interest rates, terms and amounts on this and other deposits of Rosgosstrakh Bank can be downloaded in the appendix to the article.
2nd place: Investment deposit
Investment deposit is created for those who want to get the maximum income and save their money by investing in mutual funds( unit investment funds).The deposit has a maximum rate of 11.50% per annum, with a term of 367 days, with a deposit of 100,000 rubles. The minimum interest rate is 9.25%, with a term of 31 to 90 days, with the deposit amount ranging from 25 000 to 100 000 rubles. The minimum deposit amount is 25,000 rubles. The deposit can be opened for a period of: 31 days, 91 days, 181 days or 367 days. The size of the interest rate depends on the term and amount of the deposit.
The deposit is opened only in rubles. There is no replenishment and partial withdrawal. Interest is accrued at the end of the term of the deposit.
1 place: deposit "Insurance"
The contribution of "Insurance" is the most profitable contribution, which consists solely in the execution of the contract of life and health insurance. The deposit is opened for a period of 1 year. The minimum amount to open 100 000 rubles. The interest rate is 11.75% for a life insurance contract for 5 years, or 11.50% for a life insurance contract for 3 years.
Interest is paid at the end of the deposit period. Replenishment and partial withdrawal for this product is not provided. The only contribution for which there is no automatic extension of the deposit.
It should be noted that for each deposit in Rosgosstrakh Bank there is an automatic extension of the deposit, at the current rate at the time of the extension.
You can also make a power of attorney or will( absolutely free of charge) for each deposit.
Rosgosstrakh Bank( abbreviated as RGS Bank) is a universal and large commercial bank, founded in 1994.As of the beginning of 2016, Rosgosstrakh is among the top 50 best banks in Russia in the retail sector: 44th place for lending and 45th for individuals. For 21 years of its activity the bank has developed a large branch network( more than 150 settlements in Russia).
Let's consider in more detail the entire product line of bank deposits of Rosgosstrakh Bank for individuals in 2016.
8th place: "Multi-currency" deposit
The "Multi-currency" deposit is designed for those citizens who want to convert currency during the contract period. The deposit is opened for a period of: 6 months, 9 months and 1 year. The maximum interest rate is 9.25% for the contribution in rubles, 2.25% for the contribution in US dollars and 1.5% for the contribution to the euro. The minimum deposit amount is 30,000 rubles, 1,000 US dollars or 1,000 euros.
There is a refill, not less than 1,500 rubles, 50 US dollars or 50 euros. Interest is accrued on a monthly basis, on a separate account.
The maximum interest rate is 9.25% for the ruble deposit( 1 year term), 2.25% for the US dollar deposit( 1 year) and 1.5% for the euro deposit( 1 year).The minimum interest rate is 8.75% for the ruble deposit( 6 months), 1.75% for the US dollar deposit( the same period) and 1% for the euro contribution( the same period).The size of the interest rate depends on the period.