Golden debit card of Rosselkhozbank. Deposit Golden in Rosselkhozbank Rosselkhozbank Contribution Premium

Rosselkhozbank is a state bank who operates for 16 years. To date, the Bank is universal, it provides all types of banking services. Special emphasis is on attracting deposit deposits. The bank is constantly improving the programs on deposits, deposits are developed for all categories of the population (pensioners working, new or regular customers, etc.).

But today I would like to dwell on a unique contribution, which is only available for VIP clients - Golden deposit.

Who exactly can open it, how to do this (in the office, through an ATM or remotely, being at any point in the world), and which restrictions exist to conclude a transaction for this product, let's talk below.

Conditions

So, the contribution of "Golden", which is proposed in Rosselkhozbank, has the highest percentage.

This deposit can be opened by any way convenient for the client, that is, directly in ATM, through the client-bank, as well as in the nearest branch of the bank. The contribution is made in rubles, as well as foreign currencies.

But on the deposit there are restrictions: the size of the contribution of at least 1,500,000 rubles, if the contribution in foreign currency, then at least 50,000 euros or dollars.

Percentage accrual can be carried out once a month (transfer on the last day of the month to the account, open by the depositor in Rosselkhozbank) or interest may be capitalized.

When opening the contribution, it is also worth paying attention to the following conditions: the deposit cannot be partially replicated, the replenishment is not provided, with the maximum deposit size - without limitation.

Deposit prolongation is provided. In case of early rupture, the recalculation of the bet is carried out under 0.01% per annum.

How to open?

To conclude an agreement on the opening of the Golden contribution, a potential client can be one of three ways. The client is invited to open a contribution to the Bank's office, as well as through an ATM or remotely using client-bank. The last method allows you to open a deposit, being at any point in the world.

To open the contribution to the standard way to need (through the department):

• contact the nearest branch with a passport;
• get a consultation or independently select a program on the deposit;
• to sign documents;
• make funds to the account.

To open a deposit through an ATM or client-bank, you must have a map released in Rosselkhozbank.

Deposits of the Bank

But, in addition to a premium deposit, a wide range of other deposits, which can take advantage of completely all citizens of the Russian Federation.

The table shows the existing contributions with the main conditions:

Depending on the program, the minimum placement period from 3-6 months. According to some contributions, the opening of the deposit is allowed not only in the office of the bank, but also remotely: through the client-bank, or an ATM.

Want to know what deposit deposits of Sberbank of Russia offers for pensioners? Then you need to familiarize yourself with ours.

And if you are looking for proposals for bank deposits under the high percentage, we recommend reading the proposals of banks in our.

Deposits in Gold Rosselkhozbank

Rosselhozbank developed and offered excellent conditions for the "Golden" contribution. Send a proposal can residents and non-residents of the countries that are ready to place deposits from 1,500,000 rubles.

The maximum limit is not provided. You can make money at the expense in Rosselkhozbank for a period of 91 to 1460 days. Upon expiration of the agreed period of the period, prolongation is possible for the same period.

Under the terms of the contract, this contribution is not replenished, it is impossible to carry out partial review. Armor review and rupture of the contract is allowed, but the rate will be recalculated on the contribution of "to demand".

Interest may be capitalized or paid once a month. You can open the contribution in the office or remotely. Choosing a second option, the depositor gets a higher rate.

Interest

When analyzing all deposit programs and rates on the proposed contributions, it is safe to say that the highest interest rates are proposed at the Golden deposit, up to 11.0% per year.

The rates affect the currency, the method of interest accrual (monthly receipt or capitalization), the opening option (in the office, remotely) and the term on the contribution.

The table shows more detailed information:

Requirements for depositors

If we talk about all deposit programs in general and about the requirements for depositories, it is worth noting, the bank does not prescribe any restrictions.

Everything that the Bank asks the Client is to provide identity documents, as well as to avoid misunderstandings in the future, carefully familiarize themselves with the conditions for the selected contribution.

But if we consider separately the requirements for the "Golden" contribution, then it is worth understanding here that this deposit is intended only for people with high income.

After all, only those contributors who are ready to place a deposit in the amount will be able to use the program. from 1,500,000 rubles and higher. Restrictions on the maximum amount of the bank does not prescribe.

List of documents

As for any other contribution, a minimum package of documents is required for the deposit "Golden". To sign the deposit agreement, it is enough to provide a passport or other document that will make an identity.

If a citizen of the Russian Federation has no passport (age limit), a birth certificate should be brought to the bank.

When contacting the bank of the bank of the pensioner, it is desirable to provide a pension certificate.

If you conclude a contract for the placement of funds wishes a person who does not have Russian citizenship, he needs to bring a more advanced list of documents to the bank:

• national passport and its translation certified by notaries;
• migration card;
• documents confirming legal stay in the territory of the Russian Federation.

Early removal of money

If the depositor urgently needed money posted on the deposit account, but the period of the contract is not over yet, then what actions need to be done to get money?

To begin with, the contributor should know that regardless of the reason (the bank is not necessary to explain anything), the client has the right to contact the bank and require early return of funds.

The depositor should contact the Bank's Office and write an application for a deposit refund. The Bank, depending on the terms of the contract and the amount, is obliged to list the entire amount of funds within 1-2 business days.

But accrued interest will be seized and recalculated at the request "to demand" in Rosselkhozbank, regardless of the currency, it is 0.01% per year.

At the same time, you should not forget that the contribution of "Golden" has some drawbacks. We are talking about a minimum deposit amount that is 1,500,000 rubles.

Naturally, only high-income customers can be used by such a proposal, while people with less sufficient should dwell on other versions that the bank offers.

In the line of bank cards manufactured by Rosselkhozbank, there are interesting offers for customers who want to use status cards. In Rosselkhozbank, the Golden Debit Card is produced within various programs. This will allow you to choose the most interesting proposal to potential and existing customers.

Gold Category Debit Card in Rosselkhozbank

Bank cards of this category are positioned as status. Each of them provides certain privileges and bonuses. Gold Rosselkhozbank's debit cards are manufactured by Visa and MasterCard payment systems. Each of them for GOLD category card users provides additional benefits, suggestions and specific support.

You can open a gold card in Rosselkhozbank in the following programs:

• Salary;
• Personal;
• Capital;
• Running.

Consider each program.

Golden salary card

The salary debit card of Golden Rosselkhozbank is drawn up for 3 years, the cost of annual service is 2 thousand rubles, SMS informing - 59 rubles. per month. Can be released on any payment system (VISA and MasterCard).

The benefits include:

• The ability to conduct a transaction without a commission in own ATMs and ATMs of partners (Alfa-Bank, Rifaysenbank, Rosbank and Promsvyazbank).
• Low Commission for the withdrawal of funds in third-party ATMs (1% of the amount);
• Large limits for cashing: daily - 500 thousand rubles., Monthly - 3 million rubles;
• Implementation of non-cash operations (payment of purchases, services) without commissions;
• Obtaining benefits with consumer lending;
• Transfer of funds to Rosselkhozbank's own cards without additional commissions;
• Free Internet banking.

Personal map

Golden debit card Rosselkhozbank Personal is produced for 3 years. It can be opened in any currency, the cost of annual service 2000 rubles / 65 dollars or 45 euros. It has almost all the advantages of the GOLD salary card.

The main differences will be:

• Lack of a monthly limit on the withdrawal of money and the size of the daily (300 thousand rubles);
• Participation in the bonus program of the harvest, which allows you to spend accrued bonus points when paying for purchases and services. 1.5 points are accrued for each spent 100 rubles. With non-cash calculations.

Map Capital

The conditions for opening and servicing the debit cards of Rosselkhozbank Gold almost do not differ from those described above. It opens in three currencies, involves participation in the crop bonus program. The main differences and the advantage of the other categories of the Golden category will accrual interest on the balance of the account in the amount of 5% in rubles and 2% in foreign currency, provided that there are at least 30 thousand rubles on the P / C. or 900 dollars / euro.

Travel Card Gold Card

This card is designed specifically for people who travel a lot, as well as suitable to those clients whose work is related to frequent business trips.

Maphold owners receive more bonuses in the program of the harvest than the holders of other cards. In the first two months, 5 points for every 100 rubles spent from the card. and 7 for the work of payment for a map of goods and services in enterprises of the category "Travel". Starting from the 3rd month, points will be accrued in the amount of 2.5 and 3.5, respectively.

The card is produced for 3 years, the cost of release is 299 rubles. Monthly service on the map - 300 rubles. But if your turnover is 50 thousand rubles per month, it will be free. SMS informing for the owners of this card is also free.

ATMs in ATMs of Rosselkhozbank and partner banks are carried out within 300 thousand rubles. per day and 2 million rubles. per month. A map is produced only in national currency.

Conclusion

Golden debit card of Rosselkhozbank can be opened on any of the four proposed programs. It provides the owners of certain advantages and bonuses from both the bank and by the payment systems.

Contribution "Amur Tiger"

To open, you need to make a deposit in the amount of 50 thousand rubles. The maximum interest rate is 6.3% per annum. Percentage payment is made monthly at the bank card account. Conditions are not provided: capitalization, partial removal, replenishment. There is an opportunity for autoprolonation.

Contribution "Your Income"

The minimum amount for opening - 500 tr. Dates vary from 91 to 1095 days. The maximum interest rate on the deposit is 6.75% per annum. The interest payments will be made at the end of the term (when choosing a monthly interest payment option or their capitalization, the rate will be slightly lower). There is no possibility of replenishment, capitalization and partial removal. Provided autoprolonation and opening through the Internet Bank.

Contribution "Pension Plus"

Opened upon presentation of a pension certificate from 500 rubles for 395 or 730 days. Max. The amount is 10 million rubles. Interest rate 5.9%. The conditions are provided: monthly payout (capitalization) of interest, partial removal, autoprolonation, replenishment.

Contribution "Profitable"

Min. The amount for the opening is 3 thousand rubles. Interest rate average - up to 6.65% per annum. Payout percent at the end of the term. Partial removal Replenishment and percent capitalization are not provided (when the monthly payment / capitalization option is selected, the rate will be lower). Important: It is possible to open through an ATM or an Internet bank with an increase in the rate by 0.05%.

The contribution "Comfortable"

Min. Deposit - 10 thousand rubles. The interest rate is low - up to 4.3% per annum. The client can choose a monthly payment or percentage capitalization. There is the possibility of replenishment, autoprolonation and partial removal. Important: It is possible to open through an ATM or an Internet bank with an increase in the rate by 0.05%.

The contribution of Golden in Rosselhozbank today offers, perhaps, the maximum rate of the bet, in comparison with other institution programs. But it is intended for wealthy customers who are ready to invest major amounts.

Conditions

Open the contribution is allowed in one of the three currencies, starting with such values:

• In rubles: from 1.5 million;
• In dollars: from 50 thousand;
• In euros: from 50 thousand

The maximum border is not installed. The term is selected in the range from 3 months to 4 years.

Optionally, the Customer is issued a Card Amur Tiger. It provides free maintenance and accrual of 7% income to the residue.

Interest rate

The rate of the rate depends on the amount of the deposit, from the duration and on the method of crediting percent selected by the client. So, if the rate of 7.3-7.4% is prescribed from 1.5 million rubles, then with more than 30 million rubles, the minimum border begins with a mark of 7.55-7.75%.

Maximum values \u200b\u200bare within 8.65-8.9% and are provided for programs when the payment of all income occurs at the end of the contract. Slightly smaller indicators are rates designed for a program with capitalization.

For dollar deposits, the interest rate will be 0.4% -2.15%, for deposits in euros - 0.01% -0.55%.

The allowance of 0.2% is carried out if the deposit is opened through online resources. According to a similar principle, interest values \u200b\u200bfor currency deposits are calculated.

Deposit Calculator Golden

An online calculator allows you to identify the most interesting program in terms of income, by standing the desired deposit parameters.

How to open

Opening an account for income occurs in the department. The client needs to have a person's document (passport) and fill out the application. The fee is allowed to deposit cash or translate from another account.

The online handling method provides a more simplified procedure. The client needs to visit the Internet Bank and send an online statement. After confirming the bank of the selected conditions, it will be necessary to translate the agreed amount to the deposit account.

Income

Since the values \u200b\u200bof the rates directly depend on the enrollment method, the level of yield can be significantly changed according to the selected conditions.

Payment of interest

There are several ways to accrual income today:

• Over the amount at the end of the deposit period. Income can be translated into a separate customer's account or add to the contribution;
• Once a month with the condition of capitalization (the calculation to the deposit residue);
• Once a month with sending to a separate account to be able to dispose of income.

If at the end of the contract, the depositor does not apply to the closing statement, there is prolongation on the previous conditions for a similar time. Under the contracts signed until 2014, the extension is carried out with the condition of accrual interest on the entire amount at the end and adding it to the residue.

Additional Information

According to the Bank's Management Board, since December 1, 2017, prolongation under contracts ceased. The receipt of contributions will also be carried out.

The contributions are insured in the state deposit insurance system.

Gold deposit operations

Consumables with an account with the possibility of saving accumulation conditions are not made.

Replenishment

Opportunities to supplement initially placed amount is not provided.

Removal

Pick out the placed agents and the income received only at the end of the contract. If the appropriate condition is selected, the accrued interest is allowed, which come to a separate account.

If it is necessary to close the account, the rules for accrual interest are changed. In particular, the minimum parameter of 0.01% is applied.