SMP Bank has changed the conditions on deposits. Contribution of SMP Bank for individuals Contribution financial factor SMP Bank
SMP Bank operates on a Russian financial roar for 15 years. During this time, the branch network expanded significantly, the product line increased.
For today in 2016, the SMP Bank offers the population - individuals and business various services: deposits of urgent and storage of money, loans, including mortgage, target, cash and settlement services, similar to 2015.
The institution participates in the state system of deposits, offers consistently high interest on the placed funds.
"Financial Multiplier"
The most profitable proposal of 2016 for residents of Moscow is the contribution "Financial Multiplier" of the Bank of the Bank with such parameters:
- percentage of up to 15.25%;
- amounts - from one thousand in rubles and from 40 in currency;
- term - up to 361 days;
- props;
- monthly capitalization / interest payments;
- removal without limit;
- early seizure with saving interest profits;
- autoprolonization - no.
"Fast and Furious"
Contribution to SMP Bank for those who are looking for fast profits in any city, be it Moscow or Chelyabinsk. Posted for a short savings will bring income at a high interest rate.
Deposit Terms:
- . ruble;
- . The rate for this contribution of the SMP of the Bank - up to 10.7%;
- . minimum contribution - from 50 thousand;
- . Classic money management: no replenishment, expenditure operations and capitalization;
- . interest is transferred to the account at the end of the term of three months;
- . Registration - with a passport in the department or through the Bank's website.
This proposal has the least placement of money, which does not affect the amount of interest rate. The contribution is unlocked, at the end of the term is reissued by the client in the separation or through a remote service.
You can register on the online service system on the official website of the SMP of the Bank, the application for urgent contribution is made there.
"Dynamics"
The long-term interest rate program for those individuals who want to receive the highest possible income from their own savings. Contribution with wider capabilities:
- euro, rubles, dollar;
- maximum percent dimensions: up to 11% in scallery, up to 3% in dollars and up to 2.6% in euros;
- the rack is differentiated, the highest value is used in the first 365 days of storage of funds;
- percentages are capitalized to choose a contributor or at the end of the year are transferred to the account;
- props are envisaged: Make a deposit replenishment can be cash in the department, through the bank's online service, transfer from another depositor account or through an ATM card with a client card;
- there are no restrictions on the amount of feeds;
- term - 3 years;
- autoprolonation.
The contribution is made on the passport, and for the customers of the retirement age also for a pensioner certificate. A deposit can be opened for a minimum amount - 3 thousand rubles. Registration online or in the department.
"Tactics"
According to this program, it is permissible early (after one month of posting a minimum) with the safety of percentage already accrued by the Bank. Flexible management: The client can shoot a part of the deposit amount, do princes.
- rates - a maximum of 9.8% (rubles), 2.7% (dollars), 11.9% (euro);
- partial issuance of money is possible before the abnormal residue;
- props without limit;
- replenishment in different ways: through the cashier, an ATM, automatic crediting from the account or from the card through online banking;
- term - 1095 days;
- interest - at the end of every 12 months or every 30 days at the request of the investor, transfer to the account or accession to the deployment (capitalization);
- the established abnormal residue is 10 thousand (ruble), 200 (any of the currencies).
The contribution can be opened through the online service or in the department in the presence of a passport, pension certificate (if available). The low minimum deposit amount is only 10 thousand in rubles. The rate is differentiated, the highest threshold in the first 365 days of placement of funds.
"Maxim"
High rates on this proposal are guaranteed to depositors of the SMP of the Bank high interest income under the compliance of the deposit conditions. Advantage - Monthly receipt of interest or choice of capitalization.
Deposit Parameters:
- minimum contribution - 3000 rubles;
- term - 181-365 days;
- any currency on the choice - dollar, euro and ruble;
- the rate is a maximum of up to 10.1% in the scalrel;
- replenishment without limit at the checkout, ATM, from the account / client card;
- the contribution of the contribution is established;
- partial removal of funds from the account - no.
Interest Client can shoot monthly or stipulate their capitalization. When opening through an online service, the interest rate size increases by 0.2 points. The minimum contribution in the root is from 50 euro / dollars.
"Optima"
The most prompt contribution of the Bank's SMP with the ability to carry out profitable and expenditure operations, to shoot the entire amount ahead of time and maintain already accrued interest. Flexible control with a stable interest rate.
Conditions:
- percentage size: up to 8.9 / 1.3 / 1% (ruble, dollar and euro);
- replenishment has no restrictions, it is carried out at any time of the contract through cash offices in cash, as well as in non-cash from the card / other account of the deposit owner and ATM;
- after 30 days of deposit placement, the entire amount can be removed without loss of accrued interest profits;
- the minimum primary contribution is from 10 thousand in rubles and from 200 in the root;
- a single deposit period is one year;
- interest: The client can choose a capitalization or monthly to receive interest from the account;
- automatic renewal of the contract;
- a non-excess balance is established, partial removal of funds are allowed.
The optimal deposit for medium-term placement of savings with an effective interest rate and loyal means of management of means.
In order to gain benefits, most people seek to accommodate their cash savings in the bank for obtaining monthly or annual income. There are various types of deposits, but fundamental funds are particularly popular for a certain period.
Deposits of individuals in SMP Bank in 2016-2017
This credit institution offers its potential clients the opportunity to place cash in deposits, which varies from 1 month to 5 years. With an increase in the service life of funds in the credit institution, the contribution rate is also growing. Simply put, the amount of annual or monthly income will increase.
As for the currency, the SMP Bank offers the possibility of posting funds in the currency of any state. Dollars, euros, yuan and rubles are especially popular.
The feature of term deposits is that they provide for their replenishment. So, the client at any time can replenish its bank deposit, increasing the initial amount. Banks independently determine the lower border of cash receipts. The maximum amount of replenishment is not provided. With this approach, the client may increase the profitability of its contribution at any time.
Deposit rates in Moscow for today
At the moment there are a large number of proposals for various categories of persons. The average interest rate is 12% per year. With this approach, the client, placing funds in a credit institution in the amount of 100,000 rubles for a period of 3 years, at the end of the term of the contract will receive a net income in the amount of 136,000 rubles.
It is important to note that low deposit rates can provide special conditions for bank customers. So, there is such a concept as the accrual of complex interest. The meaning is that banks are charged the percentage not on the initial amount of the contribution, but to the final amount, which remains at the end of the year or month, depending on the term of the contribution. So, by placing 100,000 rubles in a bank at 5% per annum, the client will receive a sum at the end of 105,000 rubles at the end of the year. At the end of the second year, 5% will be accrued already in the amount of 105,000 rubles. Thus, the income by the end of the second year will be 110,250 rubles. It is important to note that complex interest is effective for large amounts placed for a long time.
Insurance of deposits in a credit institution
This is a mechanism that is provided at the legislative level. Its meaning is that a person who places funds in the contribution of a credit institution is protected from the risks of bank bankruptcy. This concerns contributions in any bank. There are no restrictions and the number of contributions. However, there is one nuance to be paid attention to.
The deposits by the state structure - the Deposit Insurance Agency are insured. Not every bank is attached to the program, on the basis of which the Agency pays funds in the bankruptcy of the credit institution. With regard to the amount of payment, then from recently this indicator is 1.5 million rubles. Simply put, if there is a cash amount of 2 million rubles, it is advisable to divide it on equal parts. In this case, in the bankruptcy of the bank, a person is guaranteed to receive its 2 million rubles after the implementation of all bureaucratic moments.
It is important to note that for insurance of their investments, it is not necessary to visit any other institutions except the bank. It is enough to conclude a contract, and place money in a credit institution. The bank is obliged to pay an amount equal to 0.1% of all deposits available for each quarter of the year. If this activity is carried out, the contribution of a citizen is insured, and in the case of bankruptcy of the bank, it will receive an amount not exceeding 1.5 million rubles per contribution.
In the photo - the mode of operation of the SMP of the Bank
Contribution "Financial Multiplier": interest and main advantages
The peculiarity of this deposit is that it is possible to open it, both in rubles and in foreign currency, for example, dollars or euros. The minimum contribution of the deposit is 1000 rubles. The contribution opens for a period of 1 year, and the initial interest rate is 15.25%.
For the Bank's customers, the possibility of monthly capitalization of the contribution is provided, i.e. Opportunities for interest percent each month in the amount of invested funds. Another feature of this deposit is the possibility of removing the part of the funds placed in the deposit, without losing interest.
The key advantage of the contribution can be considered quite large interest rate compared to the proposals of other credit institutions. Moreover, cash in the deposit is safe, because SMP Bank participates in the Deposit Insurance Program. This means that in the bankruptcy of the credit institution, the depositors are guaranteed to receive a sum of money, which is in deposit if its size does not exceed 1.5 million rubles. This deposit does not continue its action after the expiration of the contribution agreement. If the client intends to continue cooperation with the bank, then a personal visit to the Bank's office and renewing the agreement is necessary.
Key features of the contribution of "Festive Express"
This deposit is distinguished by an increased interest rate, which allows you to benefit your funds at the SMP bank. The contribution is available for individuals who are willing to accommodate in a credit institution a sum of money, the minimum size of which is 30,000 rubles. A deposit can be opened for a period of 3 months or for 12 months. At the same time, a foreign currency account replenishment is available, for example, dollars or euros. It is noteworthy that the minimum contribution size, if it opens in dollars, is $ 500.
As for elevated rates, this contribution is an exceptional offer in 19% per annum. When opening a deposit in a dollar currency, the banking rate will be 7.5%. It is important to note that the contribution does not provide for the possibility of replenishing the account or removing part of the funds. When performing such actions, percentages burn.
Video: How to choose a bank deposit?
Conclusion
Thus, it can be concluded that the SMP Bank is one of the possible options where it is recommended to send cash. The feature of the credit institution is that it is a member of the Deposit Insurance Program. This means that the deposited sums of which do not exceed 1.5 million rubles, their owner will be returned after the settlement of bureaucratic issues related to the implementation of the Bank's bankruptcy procedure.
Another plus the placement of funds in this credit institution is high interest deposit deposits. Some of them allow you to shoot part of funds for personal needs while maintaining the amount of accrued interest.
However, the most popular deposits, for example, "Festive Express" guarantee a high interest rate in conjunction with the capitalization of interest, but without the possibility of removing funds from their account. Thus, everyone who wishes to become a bank client will be able to find optimal conditions for cooperation, which will be beneficial to both parties.
rates and interest in 2018
With our form, you can choose the most profitable interest rates for individuals on ruble and currency deposits in the SMP Bank.
Extra options:
Information about the bank
SMP Bank was founded in 2001 in Moscow. At the moment, the commercial bank has a large number of branches and offices throughout Russia. In addition to the implementation of standard services of any bank, the SMP is engaged in retail service. Despite such high achievements, the bank did not enter the one hundred of the best banks of the Russian Federation. It is only in 116th place. The basis of the loan portfolio is to allocate loans to legal entities. It is worth noting that this organization is a member of the Deposit Insurance System.
Deposits for individuals is another direction that the SMP Bank is engaged in. There are several deposit programs, among which any contributor will find suitable for themselves. For example, there are deposits for pensioners in which the interest rate is slightly higher. Deposit rates depend on the embedded amount and term. For more convenient customer service, there is an Internet bank where customers can submit applications for the release of new maps, open or close deposits and much more. Interest on deposits also vary depending on the selected currency. In addition, in the WMS Bank you can purchase precious metals in the form of ingots, valuable coins and valuable certificates.
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Bank News
SMP Bank of Rothenberg Brothers made to work with special councils for state procurement |
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SMP Bank Rothenbergs may be allowed to work with special councils for state procurement. Such a decision is one of the measures for supporting state banks for which international sanctions apply. |
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Banks raised rates on deposits in dollars and euros. The largest yield on annual deposits in dollars now offers Promsvyazbank - 2.2% per annum. Next follow Binbank (1.65%) and SMP Bank, VTB and the Moscow Industrial Bank (1.5%). |
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Under the sanctions of the SMP Bank, as well as the Bank "Russia" will be able to work with state-owned companies and budget |
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The North Sea Path Bank is included in the thirty of the largest Russian banks, has more than a hundred representative offices in forty cities of Russia. Individuals, business and corporations act as clients of the bank. Bank services cover all sorts of customer needs: from opening accounts and issuing loans to collection and acquiring.
A significant place among banking services is the issuance of deposits. The Bank "Northern Sea Route" accepts deposits in Russian rubles, euros, dollars, and at the deposit "Strategist" - also in British pounds.
Bank offers on deposits
Deposit "Strategist". A distinctive feature of this type of deposit is the increased interest rate (subject to account replenishment). Deposit is available at a minimum amount on an account equal to 10 thousand rubles. (For currency deposits - 300 monetary units). In the future, the account is allowed to be allowed for any amount.
Deposit "VIP". Suitable for customers who have a major amount of free cash. The lower limit of the deposit amount is 2 million rubles. (for dollars and euros - 80 thousand monetary units). As a bonus, depositors are provided with a platinum map, as well as a discount for rental cells in a bank.
Deposit "Rich". The deposit amount is at least 300 thousand rubles. or 10 thousand dollars. The term of the Deposit Treaty may be 6, 12 or 18 months. The client has the opportunity to replenish the deposit.
Contribution "Premium". Available to customers - owners of SMP Aeroflot Bonus cards. The advantage of the contribution is the ability to shoot money or, on the contrary, replenish the deposit without loss of profitability.
Deposit "Platinum Financial Multiplier". The contribution is available to customers - platinum card holders. The depositor has the right to withdraw funds from the account at any time as will. Available to customers who are subject to "V.I.P.".
Deposit "Aerobonus". Designed for owners of CMP Aeroflot Bonus cards. Customers can count on increasing the contribution of the contribution if interest on the deposit will be listed on this payment card.
Deposit "Financial Multiplier". The conditions of the deposit allow the implementation of account operations is the most universal contribution.
The yield of foreign exchange deposits
Deposits "VIP" and "Strategist" will ensure the greatest profitability of depositors. The highest rate on these deposits is at the level of 3.9 and 4.15% per annum, respectively. The lower limit of the maximum rate of the entire deposit line is 2.5% per year and corresponds to the contribution of the "Financial Multiplier". For the rest of the deposit, the interest rate ranges from 3 to 3.5%.
The contributions of the "strategist" and "rich" are opened for 1-3 years. All other deposits - for one year.
Various currency deposits involve the minimum placement on account from 40 to 80 thousand dollars.
The yield of ruble deposits
The maximum yield (as descended) on deposit operations of the Bank "Northern Sea Path" is: 9.65 percent per year - the plan "Strategist"; 9.15 percent a year - the deposits of "rich" and "VIP"; 8.75 percent of annual - deposits "Financial factor" and "Premium"; 8.7 percent - the "Aerobonus" plan; 8 percent a year - a deposit "Financial Farmer".
The terms of the tariffs "Platinum financial factor" and "Premium" provides for capitalization of interest.
The minimum deposit amount varies for various deposits and ranges from 1 thousand rubles. up to 2 million rubles.
You can issue a deposit agreement in any division of the bank in Moscow or other cities.
The Bank "Northern Sea Path", which is among the fifty largest banks operating in the territory of the Russian Federation, offers favorable conditions for posting deposit deposits for individuals. Interest rates on deposits in the "SMP" bank depends on the type of contribution and its term. The Nordic Way Bank adopts deposits in rubles of the Russian Federation, Euro dollars. You can also discover the contribution to the "SMP" bank "Strategist" in the English pounds of sterling.
Types of deposits of the Bank "Northern Sea Path"
Contribution "Strategist"
Deposit contribution with an increase in interest rate and income on the contribution as the amount of the contribution and the possibility of replenishment, the minimum amount required to open a deposit account is ten thousand rubles, three hundred US dollars, euro or English pounds. With further replenishment, the amount of contributions is not limited.
Contribution "VIP"
Contribution in Russian rubles, US dollars or euro increased fixed interest rate and the minimum contribution of two million rubles or eighty thousand US dollars. When opening this deposit, clients are provided free of charge Map of the Platinum category and a discount for renting bank cells in the amount of 25%.
The contribution of "rich"
The deposit has an attractive interest rate and opens with a minimum amount of the contribution of three hundred thousand rubles or ten thousand US dollars or euros. It is possible to replenish the contribution during the first six, twelve or eighteen months depending on the period of deposit placement.
Contribution "Premium"
Special contribution to CMP Aeroflot Bonus card holders. Under the deposit terms, the deposit and removal of cash without losing interest are possible.
Contribution "Platinum Financial Multiplier"
Special contribution for Platinum payment card holders serving at the rate "V.I.P.". The deposit and removal of funds on this deposit at any time at the request of the depositor are provided.
Contribution "Aerobonus"
Contribution for owners of payment cards "SMP Aeroflot Bonus". When transferring interest on the contribution to the "SMP Aeroflot Bonus" card, an increased interest rate is established on the deposit.
Contribution "Financial Multiplier"
A universal deposit providing for replenishment of the contribution and removal of funds for this deposit at any time at the request of the depositor.
Interest rates on the deposits of the Nordic Way Bank in US dollars.
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Deposit name |
Financial multiplier Platinum |
Premium |
Aerobonus |
Financial factor |
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Maximum rate |
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Minimum amount |
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Deposit term |
From year to three |
From year to three |
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Capitalization |
The most favorable deposit of SMP Bank in dollars - the contribution of "Strateg", which is distinguished by a high interest rate.
Interest rates on deposits of the Bank "Northern Sea Path" in Rublekhrf.
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Deposit name |
Financial multiplier Platinum |
Premium |
Aerobonus |
Financial factor |
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Maximum rate |
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Minimum amount |
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Deposit term |
From year to three |
From year to three |
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Capitalization |
The maximum interest rate on the deposit in rubles is 9.65 percent of the annual when opening the contribution of the "strategist" period of two to three years.
You can open a deposit in the Nordic Way Bank in any of its branches located both in Moscow and in other cities of Russia.
Cities where you can contribute to the SMP Bank
Russia
| Arkhangelsk | Kazan | Novosibirsk | Syktyvkar |
| Astrakhan | Kaliningrad | Omsk | Tambov |
| Barnaul | Kaluga | Eagle | Tver |
| Belgorod | Kemerovo | Orenburg | Tomsk |
| Blagoveshchensk | Kirov | Penza | Tula. |
| Bryansk | Kostroma | Permian | Tyumen. |
| Vladikavkaz | Krasnoyarsk | Petropavlovsk-Kamchatsky | Ulyanovsk |
| Vladimir | Mound | Pskov | Ufa |
| Volgograd | Kursk | Rostov-on-Don | Khabarovsk |
| Vologda | Lipetsk | Ryazan | Khanty-Mansiysk |
| Voronezh | Magadan | Samara | Cheboksary |
| Yekaterinburg | Moscow | St. Petersburg | Chelyabinsk |
| Ivanovo | Murmansk | Saransk | Chita |
| Izhevsk | Nalchik | Saratov | Yuzhno-Sakhalinsk |
| Irkutsk | Nizhny Novgorod | Smolensk | Yakutsk |
| Yoshkar-Ola. | Novgorod | Stavropol. | Yaroslavl |
Interest rate on the "Festive Express" deposit in rubles for a period of 365 days lowered by 0.25 percentage points. And now equal to the return on the contribution of 91 days - 18% per annum. Interest rate in foreign currency decreased by 0.8-1.0 pp. and amounts to 6.40 - 6.80% per annum US dollars, 6.30-6.60% per annum in euros.
Interest rate on the deposits "Pragmatik", "Rich" and "Strategist" in Russian rubles for a period of 1095 and 730 lowered by 2 pp For other deposits in rubles, interest rates have not changed. Now the yield on deposits in national currency is 10.75-18.00% per annum, depending on the term and amount of the contribution.
Interest rate on the deposits "Financial Multiplier", "Pliste Platinum", "Premium", "Strategist", "VIP", "ATM", "flagship", as well as on deposits "Rich and Pragmatik" for a period of 365 days in Foreign currency lowered to 1 pp. Now the return on deposits in US dollars reaches 2.40-6.00% per annum, in euro 1.90-5.90% per annum.
Thus, the maximum decrease in interest rate on deposits in rubles was 2 percentage points, on deposits in foreign currency 1 pp. For contributions, the "Financial Multiplier" and "Premium" also excluded a 3-year placement period.
Latest contributions and deposits
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04/30/2019 Gazprombank raised rates on the contribution with the possibility of replenishment in rubles Increased rates on the contribution of Gazprombank - for life in rubles. For a period of 91 - 180 days, the rate amounted to from 6.2% to 6.4% per annum. When opening a deposit for 271 - 366 days, the interest rate is enlarged ...
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