Types of Post Bank deposits: capital, income, savings, seasonal, replenishable, savings, foreign exchange. Post Bank seasonal deposit for pensioners. Are residents of other states served? Post Bank deposit "Accumulative Post Bank interest"

23.06.2023

In 2019, Post Bank offers individuals, including pensioners, a profitable range of deposits. See at what interest rates you can open deposits in Post Bank today.

Today, the line of deposits for individuals at Pochta Bank is quite different from the offerings we are accustomed to from other banks.

√ You cannot open deposits in foreign currency here. Only deposits in rubles are accepted.

√ It is not possible to make a deposit with partial withdrawal of money without losing interest. For example, such as “Managed” in Sberbank or “Comfortable” in VTB.

But Post Bank deposits have many other advantages. For example, the fact that for deposits made via the Internet, as well as those opened by pensioners, a substantial premium to the interest rate is provided. In addition, when opening a deposit, the client receives his own Savings Account and MIR debit card for free.

And now that the site’s correspondents have briefly talked about the main features of Post Bank deposits, we can move on to their detailed review.

Post Bank: interest and deposit conditions for today

Today, Pochta Bank's line of deposits includes deposits with a high rate, replenishment, monthly interest payments, and capitalization. Let's consider what interest rates and conditions today Pochta Bank deposits have for individuals, including pensioners.

Post Bank Maximum deposit - the most profitable for today

This is a new seasonal deposit for individuals, which has the highest interest rate to date. But, if you are planning to apply for it, you need to hurry. Deposit accepted only until July 1, 2019.

Conditions

Duration: 367 days;
Amount: from 100,000 rubles;

Interest rate

Deposit of Post Bank "Capital": interest and conditions

This is a classic deposit for individuals, which allows you to get maximum income from investing funds. It will be especially beneficial for those who are ready to deposit a large amount of money into Post Bank and not withdraw the money for a year.

Conditions

Duration: 6, 12, 18 months;
Amount: from 50,000 rubles;
Replenishment: provided for the first 10 days;
Partial withdrawal: not provided;
Payment of interest: at the end of the term;
Early termination: at a rate of 0.1%.

Interest rate

1. Basic conditions

Basic conditions

2. Special conditions for pensioners (tariffs “Pension”, “Salary pensioner”), when opening a deposit through Post Bank Online, when switching to the “Active” tariff

See what interest rates on deposits of individuals are offered today

Deposit of Post Bank "Dokhodny": interest and conditions

This is a deposit for individuals with monthly interest payments. The minimum deposit amount is quite large, but putting less in the bank is not profitable if you are going to live on interest. In any case, you can withdraw all the money if you urgently need it, even without accrued interest.

Conditions

Duration: 12 months
Amount: from 500,000 rubles
Replenishment: provided for the first 10 days
Partial withdrawal: not provided
Interest payment: monthly to savings account
Early termination: at a rate of 0.1%.

Interest rate

Special conditions for pensioners (tariffs “Pension”, “Salary pensioner”), when opening a deposit through Post Bank Online, when switching to the “Active” tariff.

Post Bank deposit "Accumulative"

This is a replenishable deposit for individuals, which allows you to save money by replenishing the deposit from time to time. In addition, interest is capitalized every 92 days.

Conditions

Duration: 12 months;
Amount: from 5,000 rubles with the possibility of replenishment;
Replenishment: provided throughout the entire period;
Partial withdrawal: not provided;
Interest payment: capitalization into deposit every 92 days;
Early termination: at a rate of 0.1%.

Interest rate

1. Basic conditions:

6,5% (6.66% with capitalization)

2. Special conditions for pensioners (tariffs “Pension”, “Salary pensioner”), when opening a deposit through Post Bank Online, when switching to the “Active” tariff:

6,75% (6.92% with capitalization).

Post Bank Deposit "Pochtovy"

This is a classic deposit for individuals without replenishment, capitalization and partial withdrawal of funds without loss of interest. The terms of the deposit provide for the possibility of early closure of the deposit at a preferential rate. The deposit is processed at post offices by Russian Post employees.

Conditions

Duration: 181, 367 days;
Amount: from 50,000 rubles;
Replenishment: provided for the first 10 days;
Partial withdrawal: not provided;
Payment of interest: at the end of the term;
Early termination: at a rate of 0.1%.

Interest rate

Amount, rub	181 days	367 days
from 50 000	6,8%	7,15%

Surcharge:

+0,25% per annum to the rate for pensioners (tariffs “Pension”, “Salary pensioner”), when opening a deposit through Post Bank Online, when switching to the “Active” tariff.

Post Bank savings account

When you open deposits for individuals at Pochta Bank, clients are also issued a Savings Account and a MIR debit card free of charge. This is done for the convenience of using the deposit.

Firstly, when the deposit is closed, the funds are transferred to the Savings Account, from where money can be withdrawn in cash from an ATM using a card or transferred to another bank. The card is also convenient for monthly interest withdrawals.

And secondly, the Savings Account itself can serve as an excellent financial instrument, since decent interest is accrued on the balance there.

So, when opening a Post Bank Savings account, the client receives free of charge:

account opening and maintenance;
issuance and maintenance of a non-named MIR card;
connection and maintenance of Mobile and Internet banking;
all transfers to Post Bank clients from the account;
replenishing an account from cards of other banks in Post Bank Online (from RUB 3,000);
cash withdrawals by card at ATMs of Post Bank and VTB Group banks, as well as Post Bank cash withdrawal points at post offices;
depositing cash into your account at Post Bank ATMs and ATMs of VTB Group banks.

Interest rates

Special conditions apply to clients with the “Salary”, “Active”, “Pension” and “Salary Pensioner” tariffs.

Interest is paid monthly, capitalizing on the account, and when withdrawing funds, the income received remains with you.

To open a Savings Account, simply inform a Post Bank employee of your desire when registering a deposit for individuals.

Tariff "Active" in Pochta-Bank

Pochta-Bank clients, ordinary individuals and pensioners, can apply for the “Active” tariff.

Why is this beneficial?

When switching to the “Active” tariff, the bank offers an increased interest rate on deposits of 0.25% per annum.

Your interest on the minimum balance in your Savings Account will increase by 1%.

Your cash loan rate will automatically decrease by 2% per annum! And the overpayment on the loan will be significantly less.

How to switch to the “Active” tariff

Pay for everyday purchases with Pochta Bank cards or make payments to Pochta Bank Online for a total amount of 10,000 rubles per month, and you will automatically receive all the benefits of the “Active” tariff.

Post Bank deposits for pensioners 2019: the percentage is even higher!

Today, about a third of Post Bank clients are pensioners. And their number will grow. This is not surprising, because deposits of individuals at Post Bank for pensioners have an increased interest rate. The surcharge is 0.25%.

You can get it if you receive your pension into an account at Post Bank. If necessary, a bank employee will help you fill out such an application for transfer of payments to transfer it to the Pension Fund of Russia (PFR). The “Pension” tariff with a deposit premium and other advantages is set automatically upon the first transfer of funds from the Pension Fund.

How to open deposits for individuals at Pochta Bank

If you are not yet a client of Post Bank, then

1. Contact an employee of the Pochta Bank customer center with a Russian passport and mobile phone;

2. Open a Savings Account and select the method of opening a deposit: through Post Bank Online or in the client center.

3. Deposit money via Internet banking, ATM or using interbank transfer.

If you are already a client of Pochta Bank, you can immediately open a deposit via the Internet (if you wish, you can also contact the client center). You can also deposit money through Internet banking, an ATM or using an interbank transfer.

SMS notification

Clients will receive SMS messages from the Bank about each receipt of funds on deposit, as well as about an increase in the interest rate when the deposit amount reaches the level established for a higher rate.

Deposit insurance for individuals Post Bank

All Post Bank deposits for individuals are insured in accordance with the legislation of the Russian Federation. Let us remind you that the amount of compensation in case of an insured event today is 1.4 million rubles.

The Seasonal Postal Deposit of the Bank of Russia is a temporary offer with favorable conditions. You can open a Seasonal deposit until June 30, 2017.

Conditions of the Seasonal deposit in Post Bank for pensioners

The Seasonal deposit is similar in many respects to other bank programs. The terms of the Seasonal Pochta Bank deposit are expressed as follows:

Currency: national;
Size: 50 thousand rubles;
Period: 1 year;
Additional contributions: allowed only within 10 days after opening the deposit or from the date of extension.
Withdrawal of money before the end of the deposit period: not provided;
Interest accrual: on the last day;
Prolongation: according to the terms of the Capital deposit.

Please note: at the moment this deposit is not available in Post Bank. Perhaps the savings program will be returned by the bank in the near future.

The Capital contribution is in many ways similar to the Seasonal contribution, but its duration is chosen by the client: 6 or 12 months. The main difference is interest, since for the Capital deposit they depend on the amount of the balance, and for the Seasonal deposit they are fixed.

The interest rate on the Seasonal deposit is 8.25%. When prolonging, it is assigned according to the amount of the balance:

Up to 500 thousand rubles: 7.75%;
500-1500 thousand: 8%;
From 1.5 million: 8.25%.

Ways to increase deposit profitability

If certain conditions are met, you can receive a bonus:

+0.25% - when making a deposit through remote services (mobile, online banking);
+0.25% - for pensioners receiving a pension from the Post Bank of Russia;
+0.25% - upon activation of the Pension tariff (applied from the date of switching).

These allowances are not cumulative; it is permissible to use only one of them. For example, opening a Seasonal deposit at Post Bank for pensioners through remote services will not bring additional income. Pensioners will be able to receive the supplement they are entitled to when applying for the Pension tariff.

You can also get an additional increase of 0.25% if you deposit funds by interbank transfer. Today there are negative reviews regarding the application of this rule. In particular, the reviews indicate that the transfer process is not described in the contract, and employees are not always ready to provide quality advice. Therefore, when sending money to any of your accounts from another institution, and subsequent transfer to a deposit, the client does not receive a bonus.

The reviews describe situations of litigation with Pochta Bank in which it is not possible to achieve a revision of the rate. Therefore, if you want to get improved conditions, you need to study in detail the rules for conducting interbank transfers and perform it specifically on a deposit.

Making a deposit at the Russian Post Bank

To open a Seasonal deposit, you need to submit an application through online banking or visit a branch with a Russian passport. The bank calls a prerequisite that the depositor must have a mobile phone, with the help of which communication takes place and important notifications are sent. In reviews you can find cases of refusal to make a deposit if the client does not have a cell phone.

The client will need to open a Savings account and a direct deposit. At the same time, an agreement is signed, you can also apply for a Pension tariff if you want to receive increased income on the deposit (for pensioners).

You can deposit money in any way:

Transfer via Internet banking from another Bank of Russia Post account/card.
Deposit cash through an ATM.
Send a transfer from another bank (to receive a bonus).

To receive the described and other privileges on banking products, pensioners will need to transfer their pension receipt to the Post Bank of Russia, which happens in this order:

Go to the branch with SNILS and passport.
A pensioner is opened a Savings account and given a bank card for ease of use.
Submit an application to the Russian Pension Fund to transfer contributions to Pochta Bank.

Already upon receipt of the first pension, the investor’s rate changes. Also, a pensioner can take out a loan with a lower overpayment.

Rules for closing a deposit Seasonal

When using the Post Bank Seasonal Deposit, the depositor is sent notifications about all operations: deposits, extensions, rate changes (when moving to another category according to the balance amount, which corresponds to other tariffs).

When closing the deposit, all accrued interest is transferred to the client. Funds from the deposit are transferred to the Savings Account. Afterwards they can be withdrawn and transferred to other accounts, incl. to another bank, or leave it at the Savings Bank. When choosing the latter method, income is credited to the balance, depending on its value:

Up to 100 thousand rubles: 3.5%;
Above: 6%.

For pensioners the rate is 1% higher. According to reviews, the Savings Project can be a worthy replacement for a deposit. Its advantage is the possibility of free use of funds and the absence of time frames.

Reviews also note the ease of managing it through online services. You can use it to pay utility bills and other bills, send transfers or withdraw cash from an ATM. Income is credited to the minimum balance maintained during the month.

The Seasonal deposit is subject to insurance in the state system of income protection of citizens. This means that in any situation, investors will receive their savings

Conclusion

According to reviews, the Seasonal Post Bank deposit offers the highest percentage of return compared to other deposits. But you can only take advantage of the offer until the end of June 2017. There are several opportunities to increase the level of profitability of the deposit, as well as separate conditions for pensioners.

Among the relatively new commercial financial institutions in our country, Post Bank occupies a special place. Deposits for pensioners form an integral part of its services, since the institution is focused primarily on working with clients of this category.

Brief information about the bank

In 2017, Pochta Bank, which is part of the VTB group of companies, began its work, and Russian Post received an impressive part of its assets. The basis for the new commercial organization was Leto Bank, which occupied a relatively small market share at the time of the reorganization.

Among the obvious advantages of this financial institution, it is advisable to note:

Possibility of increasing deposit rates for people of retirement age.
Availability of special tariffs for services.
All deposits are insured.
Users have access to all modern account management services - mobile and online banking, smartphone application.

During the short period of the bank's existence, it has significantly increased due to the creation of customer centers in numerous post offices throughout the country. Among the range of financial services available to consumers, offerings for retirees occupy a central place.

Post Bank customer service takes place at post offices

Suitable bank products

Despite the fact that the institution itself is focused on clients of retirement age, there is no special program for them. However, among the standard offers you can find several suitable options at once. In addition, the product line includes a specialized “Pension” tariff, which is provided by the state.

It allows clients of this age category to receive a number of privileges. Among them, it is necessary to mention the increased interest rate on deposits, as well as preferential lending conditions. This makes using Post Bank services noticeably more profitable from a financial point of view.

All types of deposits presented in the range of this bank are characterized by several features. The client can open it exclusively in rubles, which is not always justified, given inflation rates and exchange rate fluctuations. At the same time, all products are insured by DIA, which allows you to reimburse up to 1.4 million rubles of invested funds.

The essence of the pension tariff

As part of this tariff, the client is given the opportunity to issue a special pension card, which will allow him to receive 7% on the balance annually. At the same time, servicing “plastic” is completely free, which allows you to save money. The “Pension” service package also allows you to open a Savings account free of charge.

A card is attached to it, which is issued in the MIR payment system. The main advantage of a savings account is the ability to manage funds, and interest is accrued every month on the amount remaining on it. In addition, it is possible to receive payments to the account, which will make its use more convenient.

The holder of such “plastic” can freely withdraw cash from the following financial institutions:

Post Bank.
Bank of Moscow.

If you wish, you can receive the required amount at the nearest branch of Russian Post. Within the framework of the tariff, the client will have access to the entire range of services, including mobile and online banking, as well as payments and fund transfers.

The disadvantages of this banking product include the unnamed type of card. This imposes significant restrictions on a number of payments made on the Internet.

Post Bank card for pensioners

Pension card options

Such a card is a unique product that is sold only by Russian Post Bank.

Deposits using the “Pension” tariff receive +0.25% return.

Its advantages include the possibility of quickly releasing the product and its subsequent delivery to the applicant’s home. In addition, it is characterized by other features:

accrual of 7.46 percent on the remaining amount with capitalization;
SMS notification about all operations performed using “plastic”;
the possibility of receiving a pension on the card;
privileges, discounts and promotions of the MIR payment system.

The card can be used through a mobile application, which will allow you to remotely pay for utilities, make payments and transfers, and pay taxes. Using the tariff will also allow you to use the bank’s credit services on preferential terms.

Deposit "Capital"

One of the main deposits in the Post Bank line appears to be “Capital”. It provides an interest rate of 8 to 9.5% per year, which depends on the terms and amount of invested funds. To get the most favorable conditions, it is recommended to deposit an amount of at least 1.5 million rubles for six months, which will allow you to receive maximum income.

However, within the framework of this program, deposits of relatively small amounts of financial assets from 50 to 500 thousand rubles are more popular among pensioners. In such cases, investors should expect a minimum interest rate under the program equal to 8%. The minimum investment period is six months, and the income received is added to the deposit balance.

It is important to note that interest, in accordance with the terms of the agreement, will be accrued on the last day of its validity. If funds are requested earlier, the rate will be reduced by the bank unilaterally.

Deposit "Profitable"

This offer is designed for retirees with significant funds. The minimum investment amount is 500 thousand rubles, and the investment terms may vary and depend on the wishes of the client. This convenience is somewhat compensated by the reduced interest rate, which is 7.5%.

Interest is paid monthly, and the income received is added to the deposit balance. If there is a need to withdraw funds early, the consumer will have to face a reduction in the interest rate.

Deposits for pensioners have favorable conditions

Accumulative pension deposit

This product differs from its analogues in that interest is accrued every 92 days, after which it is capitalized. When withdrawing invested funds early, a pensioner does not lose previously accrued interest, which is extremely beneficial. The accumulative pension deposit seems to be one of the most loyal in terms of:

The minimum investment amount is 5000 rubles.
The period for placing funds is 1 year.
You can replenish your deposit at any convenient time.
Interest is calculated every three months.
There is a possibility of extending the period.

Among all the bank’s offers, this seems to be the most profitable for clients who do not have a large amount of savings, but are ready to gradually increase it in order to increase profitability. Such a loyal attitude is compensated by a reduced interest rate of 7-7.5%.

"Seasonal" deposit

Among the bank's offers, there are also non-standard options. These include the “Seasonal” deposit, which consumers will be able to open until June 30, 2018. Its conditions provide for a minimum investment amount of 50,000 rubles, which are placed for a year. The interest rate of the deposit is fixed and amounts to 8.25% per annum.

All income received is added to the deposit amount at the end of its validity period. You can deposit additional funds into your account within 10 days, however, early withdrawal is not provided. If the consumer wishes to extend the contract, it will be extended in accordance with the terms of the Capital program.

How to make a deposit

In order to open a deposit with Pochta Bank, a pensioner will need to personally visit a branch of the organization or use the services of a client center at a Russian post office. After this, the client must present a passport of a citizen of the Russian Federation and conclude an agreement with the company.

If the consumer is already a bank client, he can increase his income by opening a deposit remotely. To do this, you will need to use the online banking service. However, it will not be possible to use such a supplement simultaneously with its pension equivalent.

When the deposit is completed, the user will be given a card attached to the account, which will be used to deposit funds into it. This can be done in various ways:

through the Internet;
using an ATM;
transfer funds from another bank.

The last method seems to be the most profitable, since it will allow you to receive an additional 0.25% to the deposit interest rate. Moreover, such a benefit is combined with a pension bonus, which allows you to increase income by 0.5%.

Many bank clients who plan to deposit large funds are concerned about their safety. Indeed, during a crisis, many financial organizations close, and the funds stored there are burned. Federal Law No. 177 provides certain protection for the consumer, according to which all deposits in the Russian Post Bank are insured by the DIA. This means that the depositor will be able to return up to 1.4 million rubles previously stored in each of the banks. To increase the security of your investments, it is not recommended to store more than this amount in one institution.

Individual deposits are clients’ own funds, which they place in the bank at interest to increase profitability. The bank, agreeing to pay interest, receives funds from the population, which it uses to carry out its transactions. Thus, the deposit is a profitable transaction for both parties.

What are the additional options?

The difference between Post Bank deposits and others, which can be found in the lines of other credit institutions, is that there is no opportunity to place a foreign currency deposit. Post Bank works exclusively with domestic currency. At the same time, it offers favorable conditions for individuals, that is, higher interest rates compared to other banks. In addition, the population has higher confidence in it, since it is partly state-owned. Post Bank was formed as a result of an agreement between VTB 24 and Russian Post and is aimed at working with people with low incomes.

Deposits can be characterized by various options:

Refillable;
With interest capitalization.

These options affect the interest rate. The interest rate is a fixed percentage that is calculated on the deposit amount per year. A seasonal contribution is characterized by the fact that it is timed to coincide with a certain date. This could be a deposit for the Victory Day holiday. The purpose of a seasonal deposit is to save and increase the amount for a specific event. The bank rate for these types of deposits is higher than usual. The seasonal deposit was valid in the first half of 2017.

Deposit replenishment is an increase in the size of the main body of the deposit with the likelihood that the depositor may have additional free funds that he would like to add to his account. Accordingly, if the deposit body grows, then the profitability also increases.

Interest capitalization means that interest accrues over a certain period of time:

In this case, the accrued interest at the end of the time period is added to the main body of the deposit. In the next time period, interest is accrued on the main body of the deposit plus interest for the previous period of time. For example:

Post Bank deposits for the population

So, what deposits does Post Bank offer to the population? There is a limited list:

The capital deposit of Post Bank offers the highest interest rate, which varies slightly depending on the amount of funds:

From 7.2% to 7.5% for deposits up to 500,000 rubles;
From 7.2% to 7.6% for deposit amounts from 500,000 to 1,500,000 rubles;
From 7.2% to 7.7% with a deposit size of 1,500,000 rubles.

The deposit size is not allowed less than 50,000 rubles. The replenishment conditions are minimal - only 10 days after opening, then it will be impossible to replenish the account. Interest on the deposit is paid at the end of the term, that is, if you open a deposit for 6 months, the client will receive income in six months. At the same time, in addition to six months, you can open deposits for 12 and 18 months.

Attention! You cannot withdraw funds from the capital deposit.

But he has the opportunity to receive an additional 0.25% bonus for pensioners or for those who want to open a deposit through a mobile application or the Internet. A “savings account” is also provided free of charge upon opening.

The income deposit of Pochta Bank is interesting for people who do not want to wait until the end of the deposit period to receive interest. The terms of the deposit require monthly interest payments, which makes it attractive to many groups of the population. But the term of this deposit is only one – 12 months. And interest rates are no different:

7.2% for a deposit from 500,000 to 1,500,000 rubles;
7.35% for a deposit of 1,500,000 rubles.

The conditions for receiving the bonus are the same as for the “Capital” deposit. And the terms of the “Income” deposit provide for the opening of a “savings account”.

The Post Bank savings deposit has the most pleasant additional options compared to other deposits. It is, of course, replenished, and there are no restrictions on the timing of its replenishment. The client can increase the deposit amount throughout the placement period – 12 months. The bank deposit options assume capitalization of interest every 92 days. This means that the deposit amount will constantly increase, therefore, the profitability will increase. Interest may be paid quarterly to the client.