Deposit cards. Contribution from the card in Sberbank of Russia

Every year clients of banks are growing popularity of plastic cards. To keep up with the times, credit institutions offer increasingly perfect monetary management mechanisms on card accounts, launch new services and products. One of them was the accrual of interest on the balance of the bank card, often commensurate interest on deposits. This article discovers the key features of such a service, its advantages and disadvantages in comparison with the classic deposits.

If you want the accumulated money to be dead cargo in a snack or under the pillow, and income brought income, it is worth it to choose the choice of a banking product suitable for these purposes. A couple of decades ago, the choice was limited by savings books and classical urgent deposits that do not assume to replenish the account or partial removal of funds.

Now customers of banks can choose from hundreds of proposals that can be divided into the following groups;

• Urgent deposits without removal and replenishment;
• Deposit deposits;
• Deposits with replenishment and partial removal of funds up to a certain "threshold";
• Indefinite deposits (demand, savings) with unlimited replenishment and removal;
• Bank cards involving interest accrual for account balance.

The last category is quite new and for customers, and for the banks themselves - the first income cards appeared just a few years ago. That is why depositors unfamiliar with the features of such programs often prefer more familiar deposits. At the same time, in many cases, the registration of the card with interest income would be preferable.

Basic principles of "Profitable Card"

The income card is a banking product providing interest percentage on the balance sheet, the card replenishment and removal of funds. From similar on the principle of savings accounts such cards are distinguished by a rather large interest rate - if it rarely exceeds 2% from deposits, then accumulative cards can reach 5-6%, that is, rates according to standard bank deposits, and even exceed them. At the same time, funds on the re-card are considered by the Bank as deposits, and all the conditions of the insurance and protection system are distributed.

However, it is worth noting that interest accrual in a large amount requires performing certain conditions:

• First, the client must maintain a certain minimum balance on the map;
• Secondly, large rates, as a rule, do not apply to significant amounts of deposits - there is clear gradation in terms and timing;
• Thirdly, as a rule, such maps are initially produced as credit. And in order to get interest on the balance of your own funds, you must first provide this balance, that is, not to use the credit limit, and the plastic is used as debit;
• Fourth, the Bank may include additional conditions in the tariffs under which interest will be accrued - for example, using the card at least 1 time per month.

Advantages of cards with interest accrual

Comparing profitable maps and deposits, it can be noted that each banking product has its own characteristics and advantages. So, the cards with interest accrued have the following advantages:

• When performing certain conditions, income on the map may be higher than in deployment, and much more than on savings accounts;
• Depositor at any time and anywhere can remove money from an account in an ATM, while not terminating the contract and not losing interest accrued earlier, as it could be with the contribution;
• In most cases, the cards of this type are universal, that is, on them, in addition to the possibility of storing savings, a credit limit is open;
• There are no restrictions on the amount of replenishment and removal. In the case of deposits, the Bank may establish a minimum amount of replenishment and cash removal threshold;
• Simplified access to various online services, personal account, cashless payment services;
• In most cases, banks offer additional bonuses and cachek, which can compensate for a certain percentage of purchases paid by plastic;
• You can make a cumulative card not only in the bank branch, but also online mode.

Disadvantages of banking accumulation cards in comparison with deposits

Obviously, income cards have a lot of advantages in comparison with deposits. But before making a final decision, it is also worth familiar with their disadvantages:

• The main minus of the revenue card is the high cost of its design, accounting, reissue of plastic, etc. Such expenses can significantly reduce the benefits of making a card with interest accrual, and even reduce it to zero.

  Example. The client issued a cumulative card with a rate of 6% and supported the balance on account within 10 thousand rubles. At the same time, the cost of the release of the card amounted to 300 rubles, for accounting - 600 rubles per year. As a result, its income amounted to approximately 600 rubles, and the cost of maintenance of the card is 900 rubles.

  On the other hand, supporting the limit of 30 thousand, the same client would have the right to receive higher percent at a rate of 10%, and then the income would be about 3,000, which would benefit the flow and brought a contribution of profit in the amount of 2100 rubles.

• Very often, banks charge from customers for cash withdrawal in ATMs, which also reduces real income from the use of the revenue card.
• If the cumulative card has a credit limit, then you will not be able to arrange it, having a bad credit history, without constant registration, stable income. Contributions and debit cards of such restrictions do not impose.
• The risk of loss of funds when using the card increases many times. In the case of the Customer's contribution, there is only one risk - if the bank is liquidated until the end of the contract. But even in this case, the deposit insurance system allows you to return your funds back, although without percentage. In the case of the map, most of the responsibility lies on the client itself, since it is his rash actions that can give fraudsters access to personal data and account.
• Previously, we talked about this advantage of income cards, as access to the means at any time. However, for a number of clients who do not know how to restrain their expenses, this advantage is turned into a serious disadvantage. Free access to the bill will not give such people the ability to accumulate any serious amount. The choice of the replenished contribution without removing in this case would be the best solution.
• According to the cumulative card, the bank has the right to change the bets, both both in and in a smaller side. As a result, it is almost impossible to predict

Who is worth staying on the bank card

Before making a choice - make a map or contribution - at least approximately estimating which benefit you get in each case. Of course, accurate calculations are practically impossible to make accurate calculations, but even approximate amounts will give an idea of \u200b\u200bthe situation.

Example. Above, we calculated the benefit of the client from the storage of funds on the income card. Now we calculate the profit for the same client when placing funds on the deposit.

The contribution by 10 thousand rubles for a period of a year in the same bank a client can accommodate under 5.5% per annum. This will bring 564 rubles of income, taking into account the capitalization of interest. Although the interest rate is less, but due to the lack of overhead costs, the contribution for the client is much more profitable (as we remember, on the map all the income "eaten" the cost of accounting) ..

At the same time, the deposit of the contribution in the amount of 30 thousand rubles a bank produces at a rate of 7%. The benefit will be 2168 rubles with capitalization. That is, in this case, the storage of money on the deposit would bring approximately the same benefit due to the absence of overhead.

Obviously, in each case, depending on the rates, sums and deadlines, the situation can change both in favor of cards and in favor of deposits. At the same time, only coarse calculations are possible, not taking into account the actions of the bank, the amounts of replenishment and removal. Definitely make a choice in favor of the profitable card is worth if:

• It is important for you at any time to have access to your savings (frequent connectors, business trips, unstable income, fears of force majeures);
• You need to place funds for a short time (from a few weeks to 2-3 months), and at the same time I would like to receive income;
• You are planning to replenish the card with small amounts - on deposits, as a rule, there is a minimum replenishment boundary;
• You want to have a universal card that would be also calculated, and savings, and if you need a credit - with the help of such cards you can keep only one card in the wallet instead of 3-4.

When should you choose a deposit

There are a number of cases when the deposit registration under lower interest is much more preferable to the profitable card:

• You cannot limit your expenses, and there is a risk of constant resetting card without good reason. As a result, interest accrued interest will be minimal, and the card turns into a conventional debit calculation. If you really need to save savings and get income, choose deposits without the possibility of removing funds.
• Card costs, cash removal commensurate income on the map. At best, you will simply cover the percentages of the costs, in the worst - go "in minus". According to the deposits of overhead, as a rule, no.
• Money must be saved for a long time, and you do not plan to use them. Although deposit yield is somewhat lower than on bank cards, storing money on the deposit is more reliable. The client does not have risks associated with the loss of the card, the alarms of personal information that would give fraudsters access to the account. In the case of the contribution to remove the principal amount, you can only personally in the bank's separation, and the abduction of the card tied to the account will give criminals the opportunity to use only accrued interest.
• You need to plan the resulting interest income in advance (it is especially important in the case of large amounts of deposit). The usual bank deposit is issued on a clearly fixed conditions in the contract that will not change during the period of the contract. In the case of a card, the bank can both increase and reduce the rates unilaterally, so the income will not be able to determine in advance.

findings

And bank cards with interest accrual, and deposits have their advantages and disadvantages. It is impossible to determine which of these bank products is better or worse - the final decision should be taken, based on our own needs. If you would like to have access to savings at any time, the bank card will be the best solution. If the funds are postponed for a long time and a stable income is important to you, then it is necessary to stay at the deposit. Therefore, the choice should be done by weighing your capabilities - how much you need access to the account, or the map will be permanent temptation to use stored means. Perhaps in your case it will be optimal that will be the contribution without removing cash.

The profitability of debit cards often exceeds rates on deposits in the country's leading banks. For example, making a contribution to 70 thousand rubles. In Sberbank, you can count on a rate of 6.33% per annum, while keeping money on a debit card, you can get 7-10%, as well as cachek for purchases in the amount of 1-30%.

Small budget

If you store on the map for a year 30 thousand rubles, and we spend 10 thousand rubles per plastic monthly with plastic. per month, then the best offer is the Bank's card in the GOLDOO Pocket from the Bank "Russian Standard". Income for the year will be 2400 rubles, as well as cachek in the amount of 1-5% of spending. In second place, a map of Europe Bank loan, and on the third is a home loan. For the service will have to pay only in TranscapitalBank (690 rubles per year), MTS Bank (590 rubles) and Novikombank (1200 rubles).

The money lying on the bank card account is insured by the state as a contribution.

№	Bank - map	% per annum	Benefit for the year with a residue of 30,000 rubles. (spending on the card 10 000 rub. / month)
1		8%	2 400	0
2		6,5%	1 950	0
3		7%	1 860	240
4		8%	1 800	600
5		7%	1 632	468
6		7%	1 410	690
7		4-8%	1 200	0
8		7,5%	1 060	1 190
9		7%	900	1 200
10		7%	880	1 220

Medium budget

The greater the amount on the score and larger spending, the bigger return is given. When stored 70 thousand rubles. and when paying purchases in the amount of 30 thousand rubles. per month, the most advantageous option is the bright map from the bank "St. Petersburg". You can earn $ 6172 rubles, as well as get bonus points to compensate for the purchases already performed (money for them will return to the account).

The release and maintenance of cards is free, with the exception of the Transcription of Transcapital Bank, where you need to pay 690 rubles for the map. in year.

№	Bank - map	% per annum	Benefit for the year at the residue of 70,000 rubles. (spending on the map 30 000 rub. / month.)	The cost of annual service (incl. SMS notifications), rub.
1		5-10%	6 172	828
2		4-8%	5 600	0
3		8%	5 600	0
4		8%	5 000	600
5		7%	4 660	240
6		6,5%	4 550	0
7		7,5%	4 542	708
8		7%	4 432	468
9		7%	4 210	690
10		7%	4 180	720

Large budget

You can get a significant benefit when stored on a bank card account from 100 thousand rubles. and by traits by 50 thousand rubles. per month. In this case, the Loco-Bank and St. Petersburg will charge 10% for the residue, as well as cache.

№	Bank - map	% per annum	Benefit for the year with a balance of 100,000 rubles. (spending on the map 50 000 rub. / month.)	The cost of annual service (incl. SMS notifications), rub.
1		5-10%	10 000	0
2		5-10%	9 172	828
3		8%	8 000	0
4		6,5%	6 500	0
9		3,5-7%	6 312	588
10		7%	6 310	690

How did we think?

The search for the most profitable cards took place among the proposals of the top 100 banks of Russia in terms of assets on January 1, 2017. The rating was based on the greatest benefit when storing a certain amount at the card account (30, 70 and 100 thousand rubles), monthly spending on the map (10, 30 and 50 thousand rubles. Monthly) and service costs (release) of the card and SMS informing. The size of the cachekka was not taken into account, since the size of charges is individual and depends on the holder spending, which is difficult to predict. If the amount on the score drops below the values \u200b\u200bdefined by the bank or the size of spending will be less than the specified amounts, the bank may charge the card maintenance fee and stop charging income to the residue or significantly reduce the interest rate.

Accumulate money - a difficult task. Even if you are resolutely configured to start postpone, be sure to have urgent needs, which you will spend what you planned to save as a airbag or accumulation for the purchase of something, the embodiment of some kind of dreams, etc. To change the current state of affairs can banking Piggy bank for enumerations from the card to the contribution of Sberbank. This is a convenient service that allows you to regularly direct a certain amount for a separate account. So you can collect capital to create an airbag or implement important projects for you related to purchases, etc.

What is a Sberbank piggy bank?

Having learned that you can create a piggy bank in Sberbank, you will be interested in how to use the service, what are his pros and cons.

The piggy bank is the score to which money from the card will be sent in automatic mode. User's task to set the desired settings

How does the piggy bank from Sberbank work? Terms

In order to start postpone, you need to have:

1. Debit card finachery. It is important that this was an active banking product to which money regularly comes. An excellent option is a salary or retirement card.
2. Contribution or deposit in Sberbank, in which there is a "replenish" function.

These are two main conditions Sat. If available, it remains only to select the optimal variant of the piggy bank and set the appropriate settings.

Piggle types

Sberbank offers several accumulating options for money:

1. Fixed. When choosing this piggy bank, specific numbers will be installed: frequency, amount. At a certain time, the amount of money you definite will be listed on the specified account.
2. Interest on the costs you do from the card. This means that you are as if you would pay yourself a commission for various types of outputs of money from a bank card connected to the process.
3. Percentage with credit. In this case, everything will be in the previous version, only on the contrary, you will pay interest not for write-off, but for input.

Any option will allow accumulating money. According to user reviews, this order quickly enters the habit.

Check balance

Natural desire, check how much money has accumulated in the savings bank, can be realized in several ways:

• in the Sberbank online service;
• by connecting SMS alerts.

The second occurs in automatic mode. On the movement of funds to users come messages.

If you want to see the balance in Internet banking, this is done like this:

1. Come in your personal account (LC) on the finachery site.
2. Choose the contribution of "deposits and accounts".
3. Find the invoice to which the Sberbank Piggy Bank connected, and check how much money has accumulated on it.

Piggy Bank Connection Options

Connect the service The piggy bank can be one of the issuers offered by the Issuer:

• with personal contact of one of the numerous Sberbank offices;
• by calling;
• in online banking;
• in the "Mobile Bank".

Choose a convenient option.

In the bank branch

If you prefer to personally contact the financial institution, your actions should be such:

1. Come to the finachery branch convenient for you.
2. Follow the service employee ID card and plastic.
3. Test a goal of the visit.
4. If you are not the owner of a cumulative or savings account, you will be offered to open it by writing an appropriate statement.
5. Piggy bank will be connected.

By phone

You can become the owner of the piggy bank, using telephony services. For this you need:

1. Drink Sberbank number 8 800 555 5550.
2. Ask an employee who raised the phone, connect the service.
3. Answer an employee's questions, whose goal is to identify your personality. Usually it is necessary to voice the secret word and call the identity card data.
4. Perform instructions that will give the operator.

Through Sberbank online

If you have a PC or laptop under hand, you can connect the service in the Sberbank online service. To do this, pre-register your personal account on the resource. Next, you need to act as follows:

1. Come in the LC on the financial institution website.
2. Choose the section "Maps".
3. Find plastic that plan to connect to the piggy bank.
4. Go to the "Operations" section.
5. Click to "Connect a Piggy Bank".
6. Enter and choose the following:

• the method of accumulation of funds;
• the score on which accumulation will be formed;
• payment tool;
• name.

1. Click on "Connect".

Through the "Mobile Bank"

It is even easier to become a user with the help of the "Mobile Bank". The following actions should be taken:

1. Come in the mobile application.
2. Open the menu of the desired card.
3. Stop the selection at the "Connect Piggy Bank".
4. Choose a deposit to which money will be "drip".
5. Choose one of the proposed accumulation methods.
6. Click on "continue."
7. Do you confirm the operation by clicking on the "Create Piggy Bank" button.

Withdrawal

Information for juvenile

Can I discover the contribution myself?

Yes, with your passport you can already open it myself. Parents are not needed. You can also open a Youth Card 14+: With her you will have access to the Internet Bank and you can replenish the contribution remotely (you do not have to go to the office).

How to make money from the contribution, if I have no 18 years old?

If the contribution is open at the Bank's office, you can only withdraw money from the deposit in the Bank's office. If the contribution is open to Sberbank online, you can remove or translate from deposit to 30 000 rubles per month. Above this limit, you can only withdraw money in the bank's office.

And parents can transfer to the contribution to Sberbank online?

Yes, they can take advantage of free details. If you have a mobile application, the details of their contribution can be sent by SMS.

Parents transferred me money to contribute. Can I remove them?

You can easily shoot your money or the sums of our scholarships / remuneration for contests. But the contributions of third parties (and parents are the third person) can only be removed from the permission of the guardianship and guardianship bodies.

Is there a form of permission that must be issued by the guardianship and guardianship authorities?

No, in free form. Permission can be issued for a specific operation, or several deposit operations. Clarify what kind of permission is necessary. The list of necessary documents for registration of such a permit clarify in your guardianship and guardianship.

Where should I look for guardianship and guardianship authorities?

Unfortunately, in each region has its own system of working with them. The information about them is better to clarify in the state bodies of your region (usually, information is on the sites of the city administrations / settlements or in municipalities).

When can I kick money without a special permission?

The permit is not needed if these are personal contributions, interest on deposit, scholarship, salary, bonuses for the Olympics and contests, unemployment benefits or material support.

When do I need a special permission?

The permit from the guardianship and support of one of the parents will need if you are removing: contributions of other people (for example, relatives), pensions, benefits (except for unemployment benefits), alimony, insurance and hereditary sums.

Conditions of the deposit "Replenish online"

Conditions for accrual interest

• Percentages are accrued monthly.

• in any unforeseen situation if you need money before the end of the deposit, you can always get them
• on deposits for up to 6 months (inclusive) - based on interest rate of 0.01% per annum;
• according to contributions for a period of more than 6 months: - upon demanding the contribution during the first 6 months of the main (prolonged) period - based on interest rate of 0.01% per annum. - When demanding the contribution after 6 months of the main (prolonged) period - based on 2/3 of the interest rate set by the Bank in this type of deposits at the opening date (prolongation) of the contribution.

In case of early divorce deposit, interest is recalculated without taking into account the monthly capitalization of interest.

Prolongation conditions

• Automatic prolongation is carried out under conditions and under the interest rate acting on the contribution of "replenish-@ w on" at the date of prolongation.
• The number of prolongations is not limited.

Special conditions

• At deposits there is a limit for the maximum amount. The maximum amount is the deposit amount at the end of the day of the discovery date of the deposit / dates of prolongation (when the deployment is prolonged), increased 10 times. If the amount of the contribution exceeds the maximum, then the difference between the actual amount of the contribution and the maximum percentage is charged at a rate of 1/2 from the deposit rate operating at the date of exceeding. The reduced rate applies from the day following the occurrence of exceeding.
• When claiming deposits after 6 months of the main / prolonged period, in which the residue exceeds the maximum amount, to the difference between the actual residue and the maximum amount in addition to the 2/3 coefficient, a downward coefficient is applied - ½. These coefficients apply to the rate acting on the deposit on the date of discovery / prolongation.

Conditions of the Deposit "Manage online"

From 20.02.2017, it is possible to discover the contribution to the euro only for a period of 1 to 3 years.

Conditions for accrual interest

• Interest are charged monthly to the entire amount of the contribution (the interest rate depends on the amount of the abnormal residue).
• Accrued interest can be removed, as well as transfer to the card account.
• Called percentages are added to the deposit amount, increasing income in the following periods.

Increase interest

• With an increase in the deposit amount until the next amount of gradation and at the conclusion of an additional agreement on increasing the amount of the unsigned residue.

Terms of early termination

• in any unforeseen situation, if you need money before the end of the deposit, you can always get them.
• by deposits for up to 6 months (inclusive) - in the interest rate of 0.01% per annum
• on deposits for a period of more than 6 months: - when claiming a contribution during the first 6 months of the main (prolonged) period - based on interest rate of 0.01% per annum - upon requesting the contribution after 6 months of the main (prolonged) period - based on 2 / 3 from the interest rate set by the bank in this type of deposits at the opening date (prolongation) of the contribution

In case of early termination of the deposit, interest is recalculated without taking into account the monthly capitalization of interest ..

In addition to the obvious advantages of deposit offers of a bank, additional conditions can be distinguished, with which credit organizations try to draw the attention of potential depositors to their proposal. In this review, we will talk about bank cards that the depositor can get free when placing a deposit.

Competition in a market niche

Comparing deposit offers from various banks, a potential depositor, sooner or later, comes to the belief that credit organizations form their proposals within a rather narrow "market niche". So, banks that are distinguished by a stable position on the market offer similar interest rates on deposits. Paying a relatively small percentage, large banks ensure the safety of funds belonging to their customers, which fully suits the latter.

Credit organizations that seek to consolidate their position in the market, attract the highest possible number of customers, offer slightly higher rates. On the other hand, the policies of the dynamic development, which adhere to such banks, cause their management to take more risky operations, more risky methods for attachment of attracted funds.

Therefore, the placement of funds in such banks in itself is more risky, which repels potential customers, despite an attractive interest rate. However, small banks also operate as part of a rather narrow range of interest rates - this range dictates the domestic deposit market.

If the interest rate in deposits will look "illogical", that is, if the rate is unnecessary to differ from the proposals of other banks with similar characteristics, then the risk of "scare up" depositors is very high. Too high rate can cause suspicion of possible fraud, which is preparing trunk, and if the rate is too low, it will cause surprise and completely deprive the bank of competitive advantages. In addition, the regulatory policy of the Central Bank has a certain impact on the level of interest rates.

Additional benefits of the deposit

Therefore, when market conditions do not allow competing by changing interest rates, the bank begins to create conditions, at the expense of which their product could look more attractive to the proposals of other banks. It may be possible to remove part of the deposit amount without changing the interest rate, the client can offer various prizes, bonuses, discounts. Such measures of stimulation of potential depositors can be attributed and the offer for free to issue a bank card.

Moreover, some banks offer customers not just a free map, but a credit card in the status of Gold or Platinum, a number of banks also offer free card maintenance during the year or even a longer period. For customers who understand the advantages of a status credit card, such a proposal looks really attractive. Especially if other criteria for choosing a deposit product are almost identical.

Free maps - Advantages

The bank card received when the deposit is opened is a fairly useful gift, the product can be used as an additional payment tool or even as the main one. If you need to choose between banks that offer such an addition to the deposit, it is better to choose a bank with a developed network of ATMs, otherwise you will have to pay extra charge per removal of cash or look for a "native" ATM.

In some cases, customers are offered not only debit cards that can serve as a payable tool, but also cards with overdraft, credit cards. By offering the client to use the bank money within the established limit, the credit organization does not risk anything, since the provision can be considered the funds of the client stored on the deposit.

In addition, some banks establish a grace period during which the client can use funds without paying interest, it can be 50 or even 90 days. Another advantage of a bank card with overdraft is the ability to use credit funds instead of own - it frees the client of the bank from the need to remove part of their funds from the deposit, with all the ensuing consequences. Thus, in the event of an urgent need for cash, bank funds are used, and percentage continues to be accrued on deposit capital.

Another map can be convenient and the fact that the Bank translates the monthly interest accrual on the card, if the client chooses such an option to receive interest.

Gold or platinum cards themselves are often the grounds for various kinds of discounts when paying for purchases or services. This applies to "free miles" for those who use airline services, discounts for those who shoot a hotel room, lunch in an expensive restaurant, rent a car during travel.

Offers from Moscow banks

So, we present a list of bank deposit products, within the framework of which the client receives a free credit card. Selecting deposits, first of all we paid attention to the main factors that are really important when placing the contribution. Based on the suspended amount of 1 million rubles, and the conditional time period, during which the customer's funds are not in demand - 1 year, the proposals from the most stable banks were first studied.

Since the most important thing is that a potential investor can think about, trusting its money to the bank - this is the safety of capital. Therefore, in the review, I figured credit institutions that are either system-forming, which in itself is a certain guarantee of the safety of money, or banks that have demonstrated the stability and loyalty to their customers for a long period of time.

The next selection criterion was the degree of income of the contribution - from proposals from stable banks were selected the most profitable for the client in terms of interest rate. In principle, banks of this level are less interested in any additional methods of client stimulation (especially since the owner of a large deposit will not be difficult to open a bank card in the same bank separately from the contribution).

However, major credit organizations also prefer to keep up with the times and take care of improving the level of service - this is one of the reasons why banks offer credit cards as an additional service. So…

Bank	Contribution	Interest rate	Card status
Credit Bank of Moscow	Savings + Contribution	11%	Visa Gold or Gold MasterCard
Russian Standard Bank	Winter fairy tale	10,5%	Mastercard
Tinkoff	Smart Contribution	9,5%	Tinkoff Black (Platinum status)
Rosbank	Winter	8,4%	Mastercard Standard, Mastercard Gold, Maestro Visa Electron, Visa Classic
Gazprombank	Progressive	7,25%	VISA GOLD or MASTERCARD GOLD

Credit Bank of Moscow

The bank offers very favorable conditions within the contribution of the "Savings + Deposit" deposit, the interest rate for the amount posted for 1 year is as many as 11% per annum. True, interest is paid only at the end of the term when closing the deposit. The minimum amount required for opening an account is only 1000 rubles (or in currency). There is a possibility of early termination of the contract, there are autoprolonia, but it is impossible to replenish the account or remove some of the funds.

As a gift, the Moscow Credit Bank offers free design of the VISA or MasterCard credit card, and, regardless of the embedded amount. But if the amount on the deposit exceeds 500 thousand rubles, then the client can get Visa Gold and Gold MasterCard. Platinum cards are offered only from the amount of 3 million rubles. The validity period of the map is equal to the deadline for the deposit agreement - 1 year, after which further operations on the map are impossible.

Visa Gold and Gold MasterCard can serve for regular calculations, as well as credit tools. The client can receive additional income, up to 10% on the balance of its own funds, the maximum amount of the credit limit opened by Visa Gold and Gold MasterCard cards is 500 thousand rubles. There is also a grace period, during which you can use banking tools for free, it is 55 days (however, the loan rate is quite profitable - 20% per annum).

Russian Standard Bank

The credit institution offers a deposit of the "Winter Fairy Tale" with a percentage rate of 10.5% (within the amount of 1 million rubles and when placed per year). This is the maximum possible bet in the entire line of deposits of the Russian standard bank, interest is paid at the end of the term.

Credit card issued for free - MasterCard, the most common map that allows you to pick up your funds at the end of the term of the Deposit Treaty, without contacting the Bank's Office. In addition, the card holder participates in the "discount club" - a number of shops, tourist agencies, restaurants and beauty salons, offer a discount up to 30%. In principle, the card can be used exclusively as a payment instrument, a credit limit is not provided for, no "status" privileges cannot provide the owner.

Tinkoff Credit Systems

As part of the Smart Deposit, the Bank Tinkoff Credit Systems offers a percentage rate of 9.5%. This rate applies to a contribution from 30 thousand rubles, placed for a period of more than 11 months. The contribution is replenised, in addition, the client can choose to accumulate interest (capitalization) or remove them on the card, in the first case an effective interest rate increases to 9.92%.

Together with the placement of the deposit, the Bank's client receives the Tinkoff Black map (Platinum status), which emphasizes the status of its owner, as well as gives tangible privileges. First of all, these discounts up to 5% in the calculations using this card (certain purchases categories), as well as income of 10% per annum on the balance of own funds. In addition, a number of fairly well-known companies make a discount of up to 20% (brands such as Billa, Zara, McDonalds, Starbucks, IKEA, Pope Jones, Sotmarket, Nokia).

The credit line on the card is not provided, it is an exceptionally debit card intended for calculations (and demonstration of status).

Rosbank

The contribution of "Winter" from Rosbank provides a percentage rate of 8.4% per annum (for the amount of us and the amount of placement). The conditions of the deposit meet the needs of those interested in the maximum percentage (which is paid only at the end of the term).

The application to the deposit is not only a credit card, a whole packet of banking services is issued for the client (the classic package), which is valid for the term of the contract and the maintenance of which is absolutely free. First of all, this is a current account / card, simply necessary for daily settlements, besides him here is the "Mobile Banking", "Internet Bank".

The following types of maps can be offered to the client selection - MasterCard Standard, Mastercard Gold, Maestro Visa Electron, Visa Classic. However, the possibility of choosing a card greatly affects the amount on the deposit. For customers whose deposit exceeds the amount of 20 thousand rubles, the possibility of overdraft is provided, and its amount is determined individually.

Gazprombank

One of the most reliable banks of the country - Gazprombank, offers the contribution of "progressive" with an interest rate of 7.25% (when placing 1 million rubles per year). The contribution can be replenished during the entire period, the expenditure operations are not provided.

All depositors, regardless of the amount, Gazprombank offers free registration of a bank card with free maintenance during the period of the deposit agreement. The status of the map depends on the amount on the deposit, for the amount of over 1 million rubles the client can be opened by a personalized Map of Visa Gold or Mastercard Gold with all the resulting privileges.

Cards can be used for regular settlement operations, and a Credit limit can also be opened to the Gazprombank client.