Nowadays, every more or less wealthy person who has some savings, thinks: "Maybe open a deposit?" Raiffeisenbank is a financial institution that many people turn to for precisely this purpose. Now it is in 13th place among 600 banks in Russia. And this is a solid rating, testifying to its reliability. It is not surprising that many turn to this bank. But what tariffs can he offer his potential customers?
“Profitable”
The first step is to talk about this contribution. Raiffeisenbank is positioning it as the most popular. And, as you can understand, based on its name - the most profitable.
And the benefits are best demonstrated by way of example. Suppose a person has 1,000,000 rudders, and he wants to open the “Profitable” deposit for this amount. For a period of 24 months (maximum, by the way), with interest capitalization. The rate will be 6.5% per annum. At the end of the term, a person will receive ~ 138,400 rubles of net profit as interest payments. It is also worth noting that this is a replenished contribution. And it’s more profitable to really formalize it with the capitalization of interest. Without it, at the end of the period, the profit will be less than 8,000 rubles.
Triple Benefit
It should be told about this contribution. In this case, Raiffeisenbank offers the following conditions: a period of 6 or 12 months, a minimum amount of 1,000,000 rubles (in three currencies), at least 50% of it should be rubles.
Yes, the highlight of this tariff is that the deposit is opened immediately in three currencies - in rubles, euros and dollars. Hence the name. Maximum rates are 1% for euros, 2% for dollars and 5% for rubles. There is a monthly capitalization function. This means that income will grow monthly, since interest will be added to the account.
What else do you need to know about this contribution? Raiffeisenbank offers two terms, as mentioned above. And a more profitable solution would be the contribution of the amount of 366 days. Then the bets will be maximum (they were listed above).
"Personal choice"
This is another popular tariff offered by Raiffeisenbank. Deposits of individuals differ in terms. And in this case, the advantage lies in the convenient payment of interest. They can be transferred to the client’s current account or added to the deposit amount. It can be replenished, by the way, for any amount.
So, let's say a person invests 1,000,000 for two years at this rate. The profit will be 120,000 p. The rate is 6% per annum. It is lower than in the case of other tariffs, since special conditions are provided for interest payments. But, by the way, it is better to open a personal choice deposit for 12 months rather than 24. Then the rate will be more attractive - 6.5%.
By the way, there is also the “Freedom of Action” tariff, which implies the ability to withdraw part of the funds at any time without losing interest and replenish the deposit. But only in this case, the rate, when drawing it up for a year, will be 5.5%. And this 55,000 rubles came from a million.
"Salary"
Talking about what deposits are available at Raiffeisenbank for individuals, this tariff cannot be ignored. He is very popular. Since for people who want to issue it, it is possible to partially withdraw funds (without loss of interest) and replenish the deposit. Interest is capitalized, and the rate increases if the amount of the deposit increases.
If a person is interested in the “Salary” tariff, then he should know about potential profit. If he invests 1,000,000 p., Then at the end of the 12-month period he will receive ~ 63,800 rubles of profit. This is taking into account capitalization. The rate is 6.2% per annum.
These are the most popular offers. There are still specific rates. For example, "Insurance", "Investment", "Premium", etc. But those deposits that were listed earlier among individuals are most in demand.