Interest rates in Sovcombank. Deposits in Sovcombank. What determines the interest rate on a deposit?
In this review, the site’s correspondent will tell in detail about all of Sovcombank’s current deposit programs, available to both ordinary individuals and pensioners.
Each of our readers in Moscow, St. Petersburg and other Russian cities can compare their interest rates and conditions and choose the best option.
Sovcombank deposits for individuals in 2020
Today you can open the following deposits in the bank
It should be noted right away that depositors have the opportunity to increase their income if they use the Sovcombank Halva card.
How to increase your bet with the Halva card
Sovcombank deposit “Convenient”
This is a deposit with replenishment, as well as the possibility of partial withdrawal of funds without loss of interest. Money in the amount of 1000 rubles or more can be transferred both in cash and by non-cash method. The only main thing is that the total amount of all additional contributions does not exceed the initial deposit amount. You can withdraw funds up to a minimum deposit amount of 50,000 rubles. Like other Sovcombank deposits, there is an increase in the interest rate when making payments with the Halva installment card.
Interest rates
When opening in the office and via the Internet
|
Duration, days |
Bid |
When calculating Halva |
| 6,1 | ||
Conditions
☑ Duration: from 91 to 1095 days;
☑ Amount: from 50,000 rubles;
☑ Replenishment: yes;
☑ Partial withdrawal: yes;
☒ Capitalization: no;
☑ Payment of interest: at the end of the term;
☒ Early termination: at the “On demand” rate.
Sovcombank deposit “Permanent income”
This is a deposit with monthly interest payments. It is suitable for those who can deposit a large sum in the bank and then live by withdrawing the accrued interest. The account can also be replenished if free funds appear. The downside is that withdrawal of the principal amount of the deposit (partial or full) will result in the loss of accrued interest.
Interest rates
In rubles
|
Duration, days |
Bid |
When calculating Halva |
| 5,8% | ||
| 5,8% | ||
Conditions
☑ Duration: from 31 to 1095 days;
☑ Amount: from 30,000 rubles;
☑ Replenishment: yes;
☒ Partial removal: no;
☒ Capitalization: no;
☑ Interest payment: monthly;
☒ Early termination: at the “On demand” rate.
How to open a deposit in Sovcombank
Deposits for individuals can be made in branches or via the Internet.
✓ In the department
If you are not yet registered in Sovcombank Internet Banking, you will have to visit a bank branch.
1 Contact any of the nearest Sovcombank offices. You must have a Russian passport with you.
2 The operator will help you fill out the necessary documents.
3 Deposit money into your account.
4 Deposit is open!
✓ Via the Internet
If you are already registered in Sovcombank Internet Banking, then you can open a deposit without leaving your home.
1 Log in to the Internet bank sovcombank.ru using your login
2 From the menu, select “Open deposit”.
3 Select a suitable deposit using the filter, or select an option from the proposed list.
4 Read the terms and conditions.
5 Fill out the short form, indicating the deposit amount in the “I want to invest” field. If you want to transfer funds from another bank, then in the “Debit from account” field, select the “replenish the deposit later” option.
6 Confirm the operation via SMS.
How to replenish deposits
Today you can replenish bank deposits for individuals both in the branch and online. For this:
1. Log in to the Internet bank sovcombank.ru using your login
2. Go to the “Deposits” section.
3. Select the deposit that you plan to top up, click the “Top up” option.
4. Deposit money by transferring it from your account at Sovcombank, from another bank or from a card of another bank.
5. Fill out the short form.
6. Confirm the operation via SMS.
Conclusions: what is the most profitable Sovcombank deposit today?
In this review, the site’s correspondents examined in detail all of Sovcombank’s current deposit programs. Now we can draw some conclusions. Let's compare the profitability of deposits, bringing them to a common denominator. Let's say we want to invest 100,000 rubles for 1 year. Which deposit will have the highest interest rate?
Comparative table of profitability of Sovcombank deposits
(based on the amount of 100,000 rubles and a period of 1 year)
*) without taking into account the increase when paying with the Halva card
As you can see, the most profitable deposit today is the “Winter Holiday” deposit.
However, it should be noted that the conditions for setting interest rates at Sovcombank are quite confusing. Therefore, before you make a deposit, be sure to carefully read the agreement and check all the details with a bank employee, says an expert on the website for deposit programs Victor Davidenko.
Question answer
? Is it possible to open several deposits at once?
Yes. The client can make any number of deposits.
? Is it possible to withdraw money before the deadline?
Yes. You can do this at any time. But interest will be accrued based on the interest rate of the “Demand Deposit” deposit, which currently amounts to 0.01% in rubles.
? What happens if you don’t withdraw the money at the end of the deposit period?
In this case, the deposit will be extended on the terms and at the interest rate in force at the bank on that date. The extension of the deposit is terminated after the bank makes a corresponding decision. In this case, the money is transferred to a bank account for payments to individuals.
? Are there deposits for pensioners at Sovcombank today?
Unfortunately no. For example, at Sberbank, pensioners will receive maximum interest on deposits, regardless of the amount. Rosselkhozbank has special deposits for people of retirement age. But Sovcombank does not provide for anything like this today. Senior citizens will receive the same percentage as ordinary individuals. However, this does not make the bank's offer any less attractive.
Professional advice
What determines the interest rate on a deposit?
“Banks offer the highest profitability on classic deposits, that is, without the possibility of replenishing and withdrawing funds during the entire term of the deposit (for example, Winter Holiday - editor's note).
Bank offers with interest payments to another account, that is, without capitalization (For example, Permanent income - editor's note), are interesting to those who want to use deposit income to finance their current expenses.
Replenishable-revocable deposits (For example, Convenient - editor's note) are suitable for those who are not confident in their savings abilities or are only at the very beginning of forming savings. Despite the lower profitability, these deposits have important advantages - they allow you to manage funds and at the same time receive additional income,” says Anastasia Gileva, a banking professional who manages the Absolut-Bank operational office in Ufa.
How reliable is Sovcombank for deposits?
Sovcombank is one of the five largest private banks in the Russian Federation in terms of assets, number of offices and territorial coverage. Sovcombank branches are available not only in Moscow and St. Petersburg, but also in many other cities of the country. To date, the bank has served 4.4 million retail clients living in 1,051 localities in Russia through 2,648 offices.
In addition, it should be noted that the bank is part of the state deposit insurance system. This means that deposits for individuals at Sovcombank are insured by the state. The maximum amount of compensation for an insured event today is 1.4 million rubles.
Contacts for information and consultations
Find out more about interest rates and terms of deposits on the official website sovcombank.ru
Tel.: 8-800-200-66-96 (calls within Russia are free).
The Moscow branch of PJSC Sovcombank is located at the address: 123100, Moscow, Krasnopresnenskaya embankment, 14, building 1.
General license of the Bank of Russia No. 963. The information is not a public offer.
The amount of money in the account of a banking institution that the depositor places to receive profit in the form of accrued interest is called a bank deposit. When investing his money in a bank, it is advisable for the client to consider the possibility of obtaining maximum income from the deposit and how not to lose previously accrued interest.
Therefore, before drawing up a deposit agreement, it is necessary to consider all possible conditions for placing funds in Sovcombank - a bank with a high degree of reliability that does not let its depositors down even in difficult periods of crisis.
Who can open a deposit in Sovcombank
- A client can become a depositor from the age of 14 until retirement age.
- It is possible to open a deposit both in your name and in the name of a representative.
- At the bank branch where the deposit is opened, you can issue a power of attorney for the persons to whom you entrust the management of the deposit.
Types of deposits
Sovcombank depositors (individuals) are provided with ample opportunities for every taste, both in national and foreign currency. Depending on the planned deposit amount or deposit term, there are the following deposit options (in rubles).
Deposit "Maximum income"
A deposit for clients who want to get the maximum benefit from the funds placed in the bank. The deposit amount is set in the range from 1000 rub. up to 30,000 rub.. During the entire period of validity of the deposit, it can be replenished either in cash or by bank transfer. In this case, the maximum replenishment amount cannot exceed the amount of the initial deposit.
Upon expiration of the agreement, interest is accrued to the bank account of individual depositors. If the client wishes to withdraw the deposit ahead of schedule, in this case the bank pays interest based on the interest rate established for demand deposits at the time of withdrawal of the deposit - 0.01%.
When using the deposit for a full year (2, 3 years):
- for the full annual period interest is accrued based on the interest rate indicated for the corresponding annual period;
- For an incomplete annual period of funds being in the deposit, interest is accrued based on the “on demand” interest rate at the time of withdrawal of the deposit amount.
Partial withdrawal of the deposit is not provided.
| Term (in days) |
31-90 | 91-180 | 181-270 | 271-365 | 366 | 731 | 1096 |
| Interest rate | 9,5% | 10,5% | 11% | 10,9% | 10,9% | 10% | 10% |
Deposit “Permanent income”
Convenient deposit with monthly interest payments. The minimum deposit amount is set at 1000 rubles, maximum – 30000 rubles. The conditions for monthly replenishments are the same as for the “Maximum Income” deposit, and replenishments are possible in cash and non-cash form.
Payment of interest on the deposit occurs every month on the day (day of the month) when the deposit was opened. On the day the deposit expires, the final payment of accrued interest occurs to the current account of individuals. In case of early withdrawal of the deposit, the bank’s rate “On demand” applies.
As in the previous case, partial withdrawal of the deposit is not provided.
| No possibility of early termination without loss of interest | Early termination without loss of interest every 12 months |
||||||
|---|---|---|---|---|---|---|---|
| Term (in days) |
31-90 | 91-180 | 181-270 | 271-365 | 366 | 731 | 1096 |
| Interest rate | 9% | 9,5% | 10% | 9,9% | 9,9% | 9% | 9% |
Deposit “Interest on Interest”
Convenient deposit with monthly interest capitalization.
Restrictions on the deposit amount are standard at Sovcombank: from 1000 to 30000 rub.. with the possibility of additional replenishment of the deposit (cash, non-cash).
Interest is paid monthly during the entire period of the deposit. If the interest paid has not been claimed during the deposit period, then payment will be made upon the expiration of the deposit period along with the entire amount.
| No possibility of early termination without loss of interest | Early termination without loss of interest every 12 months | ||||||
|---|---|---|---|---|---|---|---|
| Term (in days) |
31-90 | 91-180 | 181-270 | 271-365 | 366 | 731 | 1096 |
| Interest rate | 9,5% | 10,5% | 11% | 10,9% | 10,9% | 10% | 10% |
Deposit “Always at hand”
The deposit provides for free replenishment and simple withdrawal of money at any time during the term of the agreement while maintaining good interest rates.
The terms of this deposit differ from the terms of previous deposits. So, the minimum deposit amount is already 30,000 rubles, and the maximum is 3,000,000 rubles! Obviously, with such an investment a good profit is expected.
The minimum replenishment amount is 1000 rubles, but not more than the initial deposit amount. Partial withdrawal becomes possible up to the minimum non-withdrawable balance (RUB 1,000), and there is no loss of interest.
Interest is paid monthly. If the deposit is withdrawn early, interest is paid in full for an entire annual period; for less than a full year, the interest rate is 0.01%. Typically the deposit agreement is concluded for 2 years.
The interest rate for deposits in rubles is 6% per annum.
Deposit "On demand"
In other words, a bank account on favorable terms.
In this case, no minimum deposit amount is required. Interest accrual begins from the next day after the deposit is made until the day the money is fully returned to the depositor.
After the calendar year of keeping money in the bank, the deposit amount increases by the amount of accrued interest. The interest rate is 0.01% per annum.
Term deposit “Golden Time”
Deposit program for salary projects, for pensioners and other persons receiving social benefits. In practice, this contribution is called a pension contribution. Amount 1 rub. is already considered a contribution.
The income from the deposit is 8% per annum, but if there have been no deposits (salaries, pension accruals) within 2 months, then the bank rate is reduced to 3%. After funds are credited, the interest rate increases.
Interest is accrued from the day following the opening of the deposit. Interest is paid upon closing the deposit along with its principal amount. The deposit agreement is automatically extended after its expiration date.
Deposits in foreign currency
At Sovcombank it is possible to make deposits in US dollars and euros. For this purpose, the profitable programs “Maximum Income”, “Interest on Interest”, “Permanent Income” are used. The interest rate is set depending on the validity period of the concluded agreement:
- demand deposit: 0.1% per annum in both dollars and euros;
- up to 90 days: 0.989% in dollars and euros;
- from 91 to 180 days: 1.989% in dollars and 1.74% in euros;
- from 181 days to a year: 3.491% in dollars and 2.992% in euros;
- from 1 year: 2.995% in dollars and 2.496% in euros.
The minimum amount required to open a deposit is 500 dollars (euros). As for the minimum replenishment amount, it is not equivalent to the amount in Russian currency and is 100 US dollars or 100 euros.
Why is it profitable to place deposits with Sovcombank?
- The conditions for deposits are the same regardless of the amount.
- The bank offers a variety of deposit conditions to choose from.
- Pension deposits in this bank are considered the most profitable.
- All deposits are insured under the state insurance system.
An additional advantage is the absolute convenience of registering and replenishing deposits. Now this can be done through Internet banking, as customers love, without leaving their home or workplace.
Sovcombank is one of the largest banks in the country. The financial institution was created on the basis of Buykombank, founded in 1990. In subsequent years, the organization developed steadily. The institution successfully serves individuals and legal entities. Sovkmobank has a wide regional representation, and the number of clients of the organization has a steady upward trend.Sovcombank deposits can be opened in different currencies. Ruble deposits, as well as deposits in US dollars, are very popular. Some programs require monthly interest payments. The option of partial withdrawal of a certain amount depends on the terms of cooperation.
Deposits for pensioners are provided on the most favorable terms. Depending on the validity period of the deposit, the total amount will be formed. The highest interest rates on deposits are relevant for time deposits without the possibility of replenishment. Programs with income payment at the end of the term also have good deposit rates.
You can open deposits for individuals at any bank branch. A potential client of a financial institution is offered a banking product with the possibility of capitalization. Periodic transfers to the deposit account increase the final return on savings. Some deposits are automatically extended without having to contact the bank.
Bank contacts
On the map
Bank branch ATM Several nearby objects
Sovcombank is a Russian commercial bank with a regional focus, one of the. It is characterized by an extensive network of offices and territorial divisions. The bank's activities are aimed at providing banking services to individuals, providing loans, processing deposits, as well as conducting transactions with securities.
Sovcombank is known for its social orientation; it focuses on supporting vulnerable segments of the population, working with pensioners, implementing environmental projects in the country and financing cultural and educational programs.
When distributing its priorities, Sovcombank, like Sovcombank, sets itself the goal of providing high-quality professional banking services to small and medium-sized cities for a wide range of individuals.
Sovcombank provides all its clients - individuals with the widest range of banking services, which are based on world standards and norms of corporate business ethics. In its activities, the bank uses new technologies that are successfully combined with the best traditions of banking services.
The main thing is mutually beneficial cooperation. That is why each bank client can count on personal attention and an individual approach.
The head office of Sovcombank is located in Kostroma, it is the largest bank in this city. The financial institution was founded in 1990. The bank is a participant in the deposit guarantee fund for individuals, which gives confidence in the future against the backdrop of any economic changes and decline in business activity to every individual who has made investments.
Sovcombank: deposits of individuals 2016, interest on deposits
In 2016, Sovcombank presented 4 deposit programs, each of which has its own advantages and features. All of them are multidirectional, so every client (individual) who contacts the bank will be able to choose the best option for themselves. You can make a deposit at any territorial branch of Sovcombank or submit an application online.
To select a suitable program, you must carefully read the offers for individuals, description of conditions, interest rates, and requirements for the investor. The conditions for making deposits differ. Decide how long you want to place your money, how often you want to withdraw interest, and whether you are going to replenish/withdraw money ahead of schedule. To calculate rates, terms and interest, you can use the online calculator on the Sovcombank website.
Deposit "Maximum income"
The deposit was relevant a few years ago and refers to. Today it was introduced at increased rates, which makes the deposit profitable for individuals.
Conditions for placing the “Maximum Income” investment for individuals for 2016:
Sovcombank's investment conditions are very flexible and mobile, they differ from. After the expiration of the validity period, interest is paid to the bank account that was opened by an individual in Sovcombank. The interest is calculated depending on the current rate, which was relevant at the time of signing the agreement.
If an individual wishes to withdraw his money before the end of the agreement, interest is calculated as follows:
- if investments have been placed for more than a year, the interest for the current period is paid in full, as provided in the agreement;
- for an incomplete annual period of time, interest will be accrued based on their deposit “On demand”, which is established by the internal policy of Sovcombank (as of today it is 0.01%).
An individual can make an investment using an online service. When opening a deposit through the Internet bank for a period of 1-3 years, the interest rate increases by 0.5% per annum.
The “Maximum Income” program provides an opportunity not only for profitable placement of money for individuals, but also for obtaining the maximum allowable profit by a certain period. Moreover, if a year has passed and the client wishes to terminate the contract early, he will not lose interest during this period and will receive money to his bank account opened with Sovcombank.
Deposit “Fixed income”
The “Permanent Income” program belongs to the traditional line of deposits for individuals in 2016. It provides for the payment of interest every current month, while maintaining fairly favorable placement conditions and increased profitability.
Conditions of the “Permanent Income” program for individuals for 2016:
You can replenish the deposit with any amount convenient for the client (individual), but its size cannot exceed the initial investment amount. In this case, you can deposit funds either in cash or by bank transfer.
Interest is calculated monthly on the date that corresponds to the date of signing the agreement. When determining the interest rate, the “Demand” rate is taken into account.
Sovcombank deposits that were issued for 1-3 years:
- after the expiration of a full calendar year, interest is accrued based on the annual rate specified in the agreement;
- income for an incomplete annual period is accrued depending on the “Demand” rates.
If for a period of less than a year the depositor withdrew his interest, the difference between the amount paid and the accrued interest is reimbursed from the principal amount of the deposit.
Advice: when making a deposit with Sovcombank in 2016 through the Internet bank for a period of more than a year, the interest rate automatically increases by 0.5%.
Deposit “Interest on Interest”
“Interest on Interest” is an investment for individuals that provides for the capitalization of interest every month.
Such a program, under the terms of the signed agreement between Sovcombank and an individual, provides for the calculation of compound interest. This means that interest is accrued periodically, but not on the principal amount of the deposit, but taking into account accrued income for previous periods. Based on this, we can conclude that the longer the placement period, the greater the profit you can get.
Let's consider the main conditions of the "Interest for Interest" deposit for 2016:
You can replenish the deposit with any amount convenient for an individual client, but the amount of payment should not exceed the initial investment amount in Sovcombank. Methods of depositing money - both cash and non-cash payments.
Interest is accrued during the term of the agreement. If the depositor does not withdraw this money, it goes to the deposit and will be cashed out after the end of the contract along with the principal amount.
Deposit “Always at hand”
Today, the Always At Hand program is characterized by flexibility and mobility. It gives you the opportunity to manage your funds while earning income. Ease of replenishment at any convenient time, the ability to withdraw money up to a minimum balance - these and other advantages are offered by Sovcombank to individuals in 2016.
Terms of registration:
During the term of the agreement, the amount of all additional contributions should not exceed the starting amount. You can top up your deposit with any desired amount without restrictions.
Also, the “Always at hand” program allows partial withdrawals without loss of interest. You can withdraw money up to the minimum balance, which is equal to the minimum deposit.
Sovcombank: interest rates on deposits for pensioners for 2016
Today, pensioners can make a deposit under the following programs:
- “Maximum income” (high interest rates);
- “Fixed income” (with the ability to receive accrued interest every month");
- “Interest on interest” (with the ability to capitalize interest, carried out every month);
- “Always at hand” (any operations at any convenient time).
To open the selected pension deposit, like , you can contact the territorial branch of Sovcombank or open a deposit online.
Online registration algorithm:
- explore the range of offers and choose the best option for yourself;
- go to the official website of Sovcombank by filling out the “Password” and “Login” fields;
- click on the “Deposits” section;
- click on the “Opening” or “Replenishment” section;
- fill out the provided bank form;
- Confirm opening via SMS.
Also, each investor can close a pension deposit without leaving home. To do this you need to do the following:
- go to the Sovcombank website, indicate your username and password;
- select the “Contribution” option;
- determine the deposit you want to close;
- select the “Close” option;
- after that, indicate the direction where you want to transfer the savings - to an account opened with Sovcombank or another financial and credit institution, for this, write down the details;
- confirm your actions by sending an SMS.
Conditions for opening deposits at Sovcombank
Placing your money on deposit today at Sovcombank is very simple and convenient. If you have any questions, you can contact any office or territorial division of Sovcombank. You can also call the toll-free hotline, which operates 24 hours a day and is free throughout Russia.
Who has the right to place funds on deposit, requirements for an individual and additional opportunities:
- age limits – 14 years and above;
- the ability to register a deposit in your name or send it to the office of your representative;
- the possibility of issuing a power of attorney in the name of another individual who will have the right to dispose of invested funds (this can be done in the territorial division in which the deposit was opened).
How can it be profitable for individuals to place their money at Sovcombank?
Increasing your income is the main goal of every investor (individual). In order to achieve this goal, it is advised to divide the principal amount into several parts and take advantage of several programs at once.
Even earlier, interest rates for individuals were set depending on investments: the larger the amount, the higher the rate. But today they are equal, and you can count on a high percentage when investing a minimum amount of 1 thousand rubles. For pensioners, the minimum amount is 1 ruble.
After this, carefully study all the deposit programs presented for 2016. Think about ways to place a deposit - will you need money in the near future, do you need to constantly withdraw interest, etc.
A big plus is that even if unforeseen circumstances occur, if the deposit is closed early, it is possible to receive accrued interest for the year. Also, some programs today allow you to replenish your deposit in the amount of one thousand rubles, without restrictions for pensioners.
Every individual depositor receives confidence in the safety and return of funds, regardless of the political and economic situation in the country, since Sovcombank is part of the deposit insurance system.
Sovcombank has proven itself to be a stable bank and a reliable partner. Today its activities are focused on providing services to individuals, introducing social programs, and providing favorable conditions for pensioners.
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The bank offers 4 deposit programs, each of which has its own characteristics and advantages. This makes it possible for absolutely any investor to choose the best option for themselves. In addition, Sovcombank offers relatively high interest rates and flexible terms.
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