Deposit“More Opportunities”
The conclusion of contracts is suspended
Type of bank deposit: fixed-term, revocable.
Currency of deposit: Belarusian rubles, USD, EUR, Russian rubles.
The deposit can be opened at the bank’s office and via the RBSS.
Deposit tenor: 95, 185, 350 calendar days.
Minimum initial deposit:
- In Belarusian rubles: 50 Belarusian rubles;
- in USD: 25 USD;
- in EUR: 25 EUR;
- in Russian rubles: 2 000 Russian rubles.
The minimum balance requirement:
Top-up option for the deposit: available within the first 30 calendar days of tenor.
A fixed annual interest rate is applicable to the deposits.
| Currency | Interest rate, subject to tenor % per annum | ||||||
| 95 days |
185 days |
350 days |
|||||
| debit operations were absent in the calculation period | debit operations were present in the calculation period | debit operations were absent in the calculation period | debit operations were present in the calculation period | debit operations were absent in the calculation period | debit operations were present in the calculation period |
||
| Belarusian rubles |
3,2 | 1.1 | 4,2 | 1.4 | 9.5 | 3.2 | |
| US dollars | 1,1 | 0.2 | 1,2 | 0.3 | 1.5 | 0,4 | |
| Euro | 1,1 | 0.2 | 1,2 | 0.3 | 1,4 | 0.3 | |
| Russian rubles | 4,5 | 1,3 | 4,8 | 1,5 | 4,5 | 1,5 | |
Calculation, accrual and payment of interest:
Monthly at the end of each month from the date the deposit amount was placed into the deposit account.
The interest earned on deposit is paid out monthly by way of adding to the deposit amount (capitalization).
The option of premature partial withdrawal of funds deposited is available no earlier than 65 calendar days from the date of deposit placement, within the minimum balance amount in the respective currency. In such case, a reduced interest rate is used to recalculate the amount of interest earned.
In the event partial withdrawal is made, as per the Agreement, later than 65 calendar days from the date of deposit, the interest for this calculation period is accrued at the reduced interest rate.
In the event no partial withdrawal of the deposit funds was made prior to the maturity date set forth in the Agreement, the interest is accrued at the principal interest rate.
Partial withdrawal of deposit funds earlier than 65 calendar days from the date of deposit placement is not permitted.
The depositor has a right to request a withdrawal of the full amount of deposit before the maturity period (early termination of the Agreement). The following interest rate is used to recalculate the amount of interest earned in case of premature withdrawal of the deposit:
- within 1 through 64 calendar days of deposit tenor (incl.) (from the date of the Agreement) – the interest rate applicable to demand deposits in the respective currency effective on the date of the transaction;
- starting from the 65th calendar day of the deposit tenor incl. (from the date of the Agreement) – a reduced interest rate.
The option of extension of the deposit for a new term (equal to the original term of the deposit) is not available.
In case the deposit agreement was concluded via the RBSS, upon maturity of the deposit the funds are returned to the card account from which the funds were transferred upon opening of the deposit account or to the demand deposit account (if the card account is closed upon maturity of the deposit term) with monthly accrual and adding to the deposit account of interest earned in the amount set for the demand deposit in the respective currency.
A fixed-term bank deposit agreement can be concluded in the name of another person provided that the Agreement is concluded at the Bank’s office.
