Bps bank deposits for today. Services of "BPS-Sberbank": lending and deposits. Investment product "Your income"

OJSC "BPS-Sberbank" is one of the largest long-lived banks among those existing in the Republic of Belarus. It is an open institution that regularly provides its financial performance.

BPS is a bank whose deposits for the population are always the most profitable for growth money, is the most popular and reliable. The institution has a huge international system of connections. Today, depositors have the opportunity to draw up agreements on deposits in the bank in any currency. This is also due to the reason that the foreign currency interest rate is an order of magnitude lower than the interest rate in rubles. But, nevertheless, the most popular currency in BPS Bank is the Belarusian ruble.

The bank provides an opportunity to make deposits in belarusian rubles of your choice.

Clients can take advantage of different types of bank deposits: "on demand" and "urgent". The latter with a higher interest rate, but on-demand deposits provide withdrawal of all funds at any time.

The most popular options among customers are “Save”, “Top up” and “Manage”. Their advantages include:

1. Foreign exchange savings are placed on individual term... Thus, the client invests money at a time convenient for him. Due to the fact that interest rates are not strictly fixed, the client does not lose his interest in the event of a shortage of the number of days.
2. Flexible conditions for calculating interest rates and their withdrawal. The client has the opportunity to use the accrued interest at any time convenient for him. In the event that the client did not use the interest, then they are automatically added to the principal amount of the deposit. In this case, your total income increases.
3. Simple early termination. If it is necessary to close the bank deposit ahead of schedule, the interest accumulations that the client expected are not lost. Depending on the term specified in the contract, upon termination of it after 3 months, from 50% to 100% of the accrued income will be paid.
4. Easy automatic renewal of the current deposit. In the event that the client does not need to withdraw funds from the deposit, it is automatically extended for a new similar period. At the same time, there is no need to appear at the bank branch yourself, which saves the client's time.
5. The amount of additional contributions is not limited. Clients can easily replenish their bank deposits for the amount that they deem necessary.

OJSC "BPS-Sberbank" from 24.02.2014 is introducing a new bank deposit called "Time for surprises". Cash deposits can be not only in Belarusian, but also in foreign currency.

OJSC "BPS-Bank" was founded back in 1923 in the Republic of Belarus. Until 1941, he provided long-term lending to various industries and energy. He expanded the scale of his activities and opened new branches in the regional centers of Belarus.

During the Second World War, the bank ceased its activities due to the temporary seizure of the territory. In the post-war period, BPS-Bank very quickly began work and fully fulfilled the tasks assigned to it on the operational use of the money that was allocated for the restoration of the national economy.
In 1987, a banking reform was introduced, which resulted in the formation of the Industrial and Construction Bank of the USSR. "BPS-Bank" began to perform a full range of banking operations, which included not only investments and lending, but also a number of others banking services.

In October 1999, BPS-Bank was renamed into Open joint-stock company Belpromstroybank. 10 years after this event, the Representative Office of the Republic of Belarus and Sberbank of Russia signed an agreement for the purchase by Sberbank of Russia of 93.27% of shares in BPS-Bank OJSC, as well as the conclusion investment agreement for the long-term development of BPS-Bank.

In October 2001, it was decided to change the name slightly financial institution and now it is BPS-Sberbank Open Joint Stock Company.

Today BPS-Sberbank is a universal organization that provides all types of banking services to individuals and legal entities. Various credit programs... Any individual and legal entity with the appropriate package of documents can draw up consumer credit, take money to buy real estate or a car, to open or expand an existing business.

You can get a loan in the following forms:

• overdraft to the card;
• opening a credit line;
• providing credit funds in cash or on a bank card.

Any bank is interested in the reliability of its partner, therefore, certain requirements are imposed on each potential client. Here are just a few of them:

• borrower's income;
• whether there are loans, debts and loans in other organizations;
• for how long will the funds be processed;
• in what currency the client will apply for a loan;
• security for credit money;
• type of loan product.

It is impossible to unequivocally answer whether the bank will refuse to issue funds or approve the application. If you have never had any problems on the above points, then your cooperation with the bank will bring great pleasure.

If you are skeptical about lending, but love to make money easily, then an excellent option to increase your capital would be cash deposits in any currency. For physically and legal entities there are term deposits with a minimum term of 1 and 3 months. The maximum term for which the bank concludes a deposit agreement is 3 years. Accordingly, than more amount deposit and the period for which you will open a bank account, the more will be your interest income.

Settlement and cash services

Even if you have never taken loans, and there are simply no free funds for deposits, then you can simply evaluate the work of settlement and cash services in the bank. Of course, it is most convenient to connect the BPS Internet bank and make all payments without leaving home from a desktop computer or tablet, but so far not all bank clients have mastered this technology.

Settlement and cash services at BPS-Sberbank mean maximum convenience for customers, high speed of work and reliability. The client can use the services of settlement and cash services, both in Belarusian rubles and in foreign currency.

• opening an account;
• any payment transaction;
• money transfers around the world;
• receiving pensions and benefits.

At registration bank card, the client is connected to the Internet banking of BPS bank. With the help of Internet banking, you can make transfers from one card to another, pay utilities, replenish a deposit, view the balance of funds on your card, pay for purchases in online stores.

Situations often arise when the payment went wrong due to a technical failure or input error personal account... If such a situation arises, the bank is ready to revoke the payment document, track down the payment, make the necessary inquiries and provide the client's account statements.

Other bank services

Banking service is not only about opening a deposit account or obtaining a loan, but also cash transactions... Any client of BPS - Sberbank can use:

• an electronic service that works from anywhere in the world while meeting the most basic security requirements for your account. A striking example of such an electronic banking servicesprovided by BPS Bank - Internet banking;
• calculations of plastic by Visa card anywhere in the world;
• currency exchange operations, as well as consulting on currency legislation;
• collector services and money delivery to legal entities and individuals;
• individual bank safe that will keep you safe and sound securities, money, stocks or jewelry. A separate guarded room is allocated for the storage, where the client can choose a safe of the size he needs.

BPS - Sberbank provides services to the largest factories in Belarus. All activities of the bank are absolutely transparent. Branches and representative offices of the bank are open not only in the Republic of Belarus and Russian Federation, but are already beginning to develop in Poland. The first branch of the bank outside Russia and Belarus has already been opened in Warsaw, and in the future the banking network plans to grow and develop in other cities of the post-Soviet space.

Introduced a contribution with the festive name "New Year".

Sberbank has also made its own lucrative New Year's offer 2019 - 2020, which, as they say, depositors cannot refuse. it

Calculation of New Year's deposits of Sberbank 2019-2020

Let's calculate how much you can earn if you place the deposits offered by Sberbank for the New Year 2020. For example, we will invest 100,000 rubles for various periods.

✓ 4 months - "New Year's bonus" with a rate of 4.85% will bring an income of 1,628 rubles. You cannot open a “profitable start” for such a period.

✓ 6 months - “Favorable start” at 5% will bring income of 2,527 rubles, and “New Year's bonus” with a rate of 4.85% will allow you to earn 2,451 rubles.

✓ 9 months - "New Year's bonus" with a rate of 5.25% will bring income of 4,016 rubles. A “profitable start” is not issued for such a period.

✓ 12 months - “Favorable start” at 5.5% will bring income of 5,642 rubles. You can't open the "New Year's bonus" for 1 year.

✓ 18 months - “Favorable start” with a rate of 5.85% will bring income of 9,140 rubles. You cannot issue a "New Year's bonus" for a year and a half either.

Conclusions: which of Sberbank's New Year deposits is the most profitable today?

As our simple calculation showed, it is impossible to answer this question unequivocally. It all depends on how long you plan to deposit money. If you want to invest for 4 or 9 months, the "New Year's bonus" will be more profitable. And if for 6, 12 or 18 months, then the "Profitable Start" will be more attractive.

This year, when choosing a winter holiday deposit, I do not advise you to dwell on Sberbank, continues the expert on deposit programs, the site Viktor Davidenko. For example, in Pochta-Bank, the "New Year" deposit for 275 days (9 months) can be opened at 6.2% per annum. And the Sberovsky "New Year's bonus" for the same period gives only 5.25% per annum.

Will deposit interest rates rise in the future?

Many people are asking this question today. And here is what banking professionals can say about this.

“If inflation does not accelerate, for example, due to external shocks, then we can expect a further decrease in rates on ruble deposits,” - said the head of operations at the Russian stock market Freedom Finance Investment Company Georgy Vaschenko.

Vyacheslav Putilovsky, Junior Director for Banking Ratings at Expert RA, believes that the downward trend in deposit rates is likely to continue until the end current year... “At the same time, traditional New Year's shares in the deposit market are likely to cause a small local increase in profitability, but will not change the trend,” he suggests.

And an altogether sad picture is painted by Mikhail Zadornov, Chairman of the Board of Otkritie FC Bank. According to him, russian population realizes for the first time that in banking system deposit rates can be 4% and 5%. “It is clear that a Russian citizen who is mainly used to either buy housing as investment investment, or keep money in banks, will pay more and more attention to investment products and investments, ”he said.

Contacts for inquiries

More about conditions and interest rates Find out about the new Sberbank deposit, as well as other deposits on the official website www.sberbank.ru or at the bank's branches.