Tinkoff Bank( formerly known as "Tinkoff Credit Systems") is a unique bank in Russia that does not have its own ATMs or offices( there is only one office in Moscow, where paid services are provided), serving the population exclusively via the Internet. This does not prevent Tinkoff from taking a good position in the Russian banking sector: 2nd place in the credit card market, 31 in Russia( 25 in Moscow) in retail deposits and 20 in net profit. An important role in the popularity of Tinkoff Bank is played by the fact that when making a deposit, debit cards Visa or Master Card( depending on the depositor's preferences) in the deposit currency are issued for free. A debit card with a monthly interest calculation on the balance of funds can be obtained free of charge and without opening a deposit, it is enough to leave an application on the site, a bank employee Tinkoff will contact you and specify the time and place convenient for you to deliver the card. The same procedure and when opening a deposit: only the application on the site needs to be left on the deposit, not on the card.
Despite the fact that Tinkoff Bank does not have its own ATMs, it's more of a plus than a minus, becausethe money can be withdrawn in any ATM of any bank without a commission for an amount of 3 thousand in rubles or 100 in dollars or euros.
In this article we will talk about the most profitable contributions of Tinkoff Bank to individuals. The rates indicated in the article are effective from January 21, 2016.
4 place. SmartWare for 3-5 months. The minimum deposit amount is 50 thousand rubles / 1 thousand dollars / 1 thousand euro. You can put money on the deposit in the offices of the bank's partners, for example, by making a free transfer "Contact" to the deposit account. You can also deposit money for the deposit by bank transfer to the deposit account, in which case Tinkoff Bank will add 1 percent to the transferred amount. The interest rate on the deposit in rubles is 7 percent per annum when choosing the monthly interest payment on the card or up to 7.08 percent per annum when choosing the capitalization( the interest calculation for the deposit).The rate in the currency is 2%.There is a possibility of replenishment. With a partial withdrawal, the interest accrued on the withdrawn amount, as well as the 1% bonus, are burned out.
3 place. SmartWare for a period of 6 to 11 months. The minimum deposit amount is 50 thousand rubles / 1 thousand dollars / 1 thousand euro. The interest rate in rubles is 9% per annum without capitalization and 9.35% with capitalization. The rate in the currency is 2%.Other conditions are the same as those of the previous contribution.
2 place. SmartWare for a period of 13 months to 2 years. The minimum deposit amount is 50 thousand rubles / 1 thousand dollars / 1 thousand euro. The interest rate in rubles is 9% per annum without capitalization and up to 9.82% with capitalization. The rate in the currency is 2%.
1 place. SmartVlad for 1 year. The minimum deposit amount is 50 thousand rubles / 1 thousand dollars / 1 thousand euro. The interest rate in rubles is 11% per annum without capitalization and 11.57% with capitalization. The rate in the currency is 2%.
