Large commercial bank of Russia Alfa-Bank offers a wide variety of products for individuals, including deposits. This article considers all the options, as well as compares the interest on Alfa Bank deposits. In addition, it is written whether it is possible to replenish or withdraw part of the amount without closing the deposit.
Deposit "Victory"
A deposit in Alfa Bank, called Victory, gives an income of up to 7.4% per annum. The interest rate depends on the selected package of services, the category of cards used. The higher the level of customer service, the higher the interest rate on his deposit in Alfa Bank. The minimum deposit amount is from 10,000 rubles, $ 500, € 500. The duration of the deposit can vary from 92 days to three years. The contribution can be automatically rolled over.
There is also the possibility of choosing a method of calculating interest: on a deposit with capitalization or without capitalization.
You can open a deposit in any branch of the bank or independently in the Alfa-Mobile application, as well as through the personal account of Alfa-Click Internet Banking. The following are examples of calculation. With a deposit of 10,000 rubles or more when choosing the Optimum service package, the method of calculating interest with capitalization and the term of the deposit for 92 days, the client has the right to expect an income of 5.73% per annum. Under the same conditions, but the deposit amount from 300,000 rubles, the interest rate will be 5.83% per annum. Payment options are demonstrated on the official website of Alfa Bank.
Premier + Deposit
The peculiarity of this Alfa Bank deposit is that the more money there is in the client’s account, the higher the interest rate. Income can reach 6.4% per annum. The duration of the deposit is from ninety-two to 365 days. As mentioned above, it is allowed to replenish the deposit. Opening is possible in the Alfa-Mobile mobile application or in the personal account of an individual in the Alfa-Click Internet bank, as well as at any distance from Alfa-Bank bank.
The contribution also has a number of conditions that are worth mentioning:
- the minimum deposit replenishment in rubles is 5,000 rubles, in dollars - $ 200, in euros - 200 €;
- automatic deposit renewal is not possible;
- replenishment of the deposit is not possible if its completion occurs in 20 days.
Deposit "Potential +"
This contribution provides an individual approach to the deadline. Income can reach 6.1% per annum. The term of Alfa-Bank's “Potential +” deposit varies from 92 to 1095 days. An important advantage is the ability to both replenish the amount and withdraw without loss% within the amount up to the established border of the minimum balance of the deposit without closing it. The minimum deposit replenishment in rubles is 5,000 rubles. There is a capitalization of interest.
Accumulation service "My goals"
This is a special account for the accumulation of a certain amount. Income in the amount of 1% per annum, as well as an additional 4% per annum upon reaching the planned amount. It is permissible to replenish, as well as withdraw part of the funds without loss of accumulated interest. Additional interest is accrued only if the goal is replenished monthly for any amount, if the total accumulation period is at least 6 months, and the goal is achieved within the specified period. Another important condition is the fact that the account must be opened in rubles.
You can open the goal yourself in the personal account of Alfa-Click Internet Banking. Then it is necessary to create a goal, supplement it with a motivating picture, indicate the amount and time period when it is necessary to achieve this goal. The account must be constantly replenished.
For example, the goal “Vacation with the family”, the required amount is 170 thousand rubles, the period is from April 28, 2018 to January 4, 2019. The amount of accumulation and how much percent the goal is achieved will be displayed in your personal account. For example, a top-up of 80 thousand rubles will amount to 47% of the desired amount.
Profitability calculation is not an offer. Full terms and conditions on deposits are published on the official website of the bank.