Rosbank is a fairly powerful financial universal organization. The amount of its assets is 783.6 billion rubles at the time of December 2016. This bank takes the 12th line of the rating of 600. This indicates its reliability. Many go there to make a contribution. Rosbank offers a variety of rates. I would like to talk about a few.
“150 years of reliability”
This tariff offers maximum profitability, even if the amount available to the client is small. Although it is more profitable to invest as much as possible, since the replenishment and withdrawal function is not available. So how is this contribution different?
Rosbank offers 7.7% per annum and a maximum period of 36 months. If a person decides to invest 1,000,000 for this time, then in the end he will receive from above another 231,000 rubles as interest. But you also need to know that for the “150 Years of Reliability” tariff, the online deposit opening function is available. And then the rate will be higher - about 7.9% per annum. And in this situation, interest income will be 7 thousand more.
Although the amount of proceeds depends on what the initial amount was and for how long a person opened a deposit. Rosbank offers different conditions. The most profitable solution is to open an account worth more than 1,500,000 rubles for 6 months. Then the profit will “drop” at a rate of 9% per annum.
"Replenished"
It is worth noting the attention of this contribution. Rosbank offers this tariff to people who want to replenish their account with funds during the term. Well, everything here also depends on the previously mentioned nuances. From the term and amount of the investment, to be more precise. It is most beneficial to open an account for 18 months (this is a temporary maximum). And invest 1,500,000 p. Then the rate can be from 7 to 7.36%.
The profit will be good, even if you do not replenish the account. But they open a contribution of this type precisely for this. The minimum replenishment amount is 1000 rubles.
It is important to note that in this case, interest is not just accrued, but also capitalized. By the way, they can be paid to the person at the end of the term in full, or they will be transferred to him monthly to the card. A choice is provided.
Other contributions
It is worth noting the “Managed” tariff, talking about what Rosbank offers its customers. Deposits of individuals are distinguished by certain features, and in this case it consists in the ability to replenish the account and partially withdraw funds.
The best solution is to invest an amount from 1,500,000 rubles for 6/9/12 months. It is possible by 18, but then the interest rate will not be 6.4%, but 6.1%. And so the profit at the end of the term will be 96,000 “pure” rubles. And, given that the contribution is replenished, the benefit will be greater.
I would also like to say a few words about the “ATM” tariff. Perhaps the easiest of all that offers "Rosbank". Deposits of individuals are opened in different ways, but this one - through an ATM. To implement this procedure, you need to use the main card of Rosbank. Only a credit card will not work. And the Cash-in card too.
So what is being proposed? A deposit of 3,000 rubles at a rate of 6.6% per annum, for a maximum of 3 months. Interest is capitalized, there is the possibility of replenishment and automatic prolongation. If you invest the same million, then over three months will accumulate about 16 590 rubles of profit.
And also at Rosbank you can open a term deposit “Demand”, designed to carry out expense transactions, at a rate of 0.01% per annum - with capitalization, replenishment and partial repayment.
Deposits
Finally, a few words about this topic. Deposits are also offered by Rosbank. Interest on deposits is not bad, the same can be said in this case. Business customers are offered an excellent deposit line, insurance system security, online control and professional support.
There are only five offers. The first tariff is “Standard”. The minimum deposit amount is 50,000 rubles, the annual rate can reach 8.5%.
The tariff "Grand" is more profitable. It is designed for customers who have large funds. If they want to open a deposit for a period of 31 to 1095 days, then the minimum amount will be 10 million rubles. The maximum is 300 million. The rate can reach 8.85%.
There is also the Etalon tariff, which is characterized by flexible conditions. There is the possibility of partial and early recall, interest capitalization, as well as prolongation and replenishment. The minimum amount is 100,000 rubles, the rate is 6.5%.
The last two tariffs are Blitz and Rational. With minimum deposits of 500 and 100 thousand, respectively, and with maximum rates of 8.25% and 8.68%, respectively.
In general, Rosbank, as one of the most famous banks in Russia, offers really good tariffs and conditions. The main thing, before opening a deposit, is to familiarize yourself in detail with all the nuances.