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   Deposit “More Autumn”

 

 

 


Type of bank deposit: fixed-term, revocable.

Currency of deposit: Belarusian rubles, US dollars, Euro and Russian rubles.

The revocable fixed-term deposit "More Autumn" can be opened via Internet Banking or Mobile Internet-Banking (hereinafter – RBSS (Remote Banking Service System)) only in the currency of the current (settlement) bank account to which the bank payment card is issued (further - an account with BPC), from which the operation of opening a deposit is carried out (transfer of the amount of the initial contribution).

Minimum initial deposit:

•    in Belarusian rubles: 50 Belarusian rubles;
•    in US dollars: 25 US dollars;
•    in Euro: 25 Euro;
•    in Russian rubles: 2 000 Russian rubles.

The amount of the initial deposit is made both in cash and by wire transfer in accordance with the law.

Deposit tenor: 35 calendar days.

Deposit top-up option: the first 4 calendar days of storage are allowed until the Bank makes a decision to stop (suspend) accepting additional contributions to the deposit.

The amount of interest on the deposit is determined using a fixed annual interest rate and as of the date of approval of the Specification, depending on the currency of the deposit, and it is: 

Currency Interest rate, % per annum
35 days
Belarusian rubles   15,0
US dollars 0,75
Euro 0,5
Russian rubles 2,5


The amount of interest on a deposit after the extension of the storage period of the deposit is determined on the basis of the application of the interest rate on this deposit, established by the decision of the collegial body of the Bank and effective on the day of the extension of the storage period of the deposit.

Interest on deposit is accrued and paid out as follows:

For agreements concluded at the Bank’s office – on a monthly basis after the expiration of each month from the date of receipt of the amount of the deposit to the account for accounting of deposits;

For agreements concluded via RBSS – twice a month after every 15 calendar days from the date of receipt of the amount of the deposit to the account for accounting of deposits.

Interest (at the choice of the depositor) is paid out:

-    by adding to the deposit amount (capitalization);

-    by cashless transfer to the account specified by the depositor in the application.

Interest on a deposit is accrued from the date of receipt of the amount of the deposit to the account for accounting of deposits, inclusively up to the day preceding the day of return of the deposit. If the date of return of funds on a deposit falls on a non-business day, then the return of funds on the deposit is made on the first business day following the non-business day. In this case, interest on the deposit for non-business days is calculated and paid at the rate established for the deposit.

On the day of the maturity of the return of the deposit, the accrued interest is added to the amount of the deposit and paid together with the amount of the deposit both in cash and by bank transfer in accordance with the law.

Partial withdrawal of the deposit amount is not permitted (except for the amounts of capitalized and unclaimed interest).

The depositor has a right to request a withdrawal of the full amount of deposit before the maturity period (early termination of the Agreement).

If funds are debited from the deposit in an undisputed manner in accordance with the law, interest on the deposit for the period of its actual storage is accrued at the rate applicable to the depositor on the deposit "on demand" for individuals in the currency of the deposit on the date of the transaction.

In case of return of the amount of the deposit before the due date of its return (early termination of the Agreement) at the request of the Depositor, interest on the deposit is calculated at the rate of the deposit "on demand".

Before the maturity of the return of the deposit, it is allowed to return the depositor the amount of interest accrued to the deposit. In this case, the recalculation of interest on this amount is not performed.

In case of early termination of the agreement, interest on the deposit for the period of its actual storage is accrued at the "on demand" deposit rate for individuals in the deposit currency effective on the date of the transaction, is credited to the deposit amount and paid together with the deposit amount.

In case of early return of the deposit, the difference between the actually accrued (paid) interest until the early termination of the agreement and the amount of interest calculated at the rate of "on demand" deposit is determined. If the accrued (paid) amount of interest exceeds the calculated amount, then the depositor is obliged to return the amount of overly accrued (paid) interest. The amount of overpaid interest is withheld by the payment order, unless otherwise provided by law, from the amount of the deposit. In case of early termination of the agreement after the extension of the storage period, the recalculation of interest is carried out only for the period from the date of the last extension of the storage period to the day preceding the date of early return of the deposit.

In case of non-claim of the deposit (in the amount of the deposit balance, taking into account the accrued interest) after the expiration of the storage period initially established by the agreement, the deposit storage period is extended by the same initial deposit storage period, without the Depositor's direct presence, subject to the application of the amount of interest on this deposit established by the collegial body of the Bank and acting on the date of extension of the deposit storage period. Extension of the deposit storage period for a new term (similar to the original deposit term) without the direct presence of the Depositor can be carried out 5 (Five) times.

To cancel the automatic extension of the deposit storage period, the depositor can contact the Bank's subdivision or independently via the RBSS 3 working days before the deposit return deadline, draw up an application for the return of the deposit amount to the account from the BPC in the appropriate currency.

In case of non-claim of a deposit at the end of the storage period, taking into account the extension of the term, the amount of the deposit, taking into account the accrued interest, is transferred by the payment order, unless otherwise provided by law, to the account for accounting of deposits "on demand" of individuals. From the day of the specified transfer on the amount of the deposit, the monthly interest is accrued and credited to the amount of the deposit in the amount established for the deposit "on demand" in the appropriate currency.

A revocable fixed-term bank deposit "More Autumn" agreement can be concluded in the name of another person provided that the Agreement is concluded at the Bank’s office.
 

 

 

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