EVROPEISKY Bank invites its clients to deposit their uncommitted funds in order to receive additional minimal-risk income from every rouble. The conditions of such deposits are maximally adapted to clients' needs and allow for various ways of depositing and prematurely withdrawing funds.
These are:
Basic interest rates for RUR deposits
|
Term of deposits, days |
Deposits | |||
|
from 300,000.00 to 4,999,000.00 roubles |
from 5,000,000.00 to 9,999,000.00 roubles |
from 10,000,000.00 to 49,999,000.00 roubles |
from 50,000,000.00 roubles | |
|
Amounts deposited |
1,0 |
1,0 |
1,0 |
1,0 |
|
31-90 |
4,9 |
5,2 |
5,5 |
5,8 |
|
91-130 |
6,4 |
6,7 |
7,0 |
7,3 |
|
131-180 |
7,4 |
7,7 |
8,0 |
8,3 |
|
181-270 |
7,9 |
8,2 |
8,5 |
8,8 |
|
271-365 |
8,4 |
8,7 |
9,0 |
9,3 |
|
366-730 |
8,9 |
9,2 |
9,5 |
9,8 |
|
731 and more |
9,1 |
9,4 |
9,7 |
10,0 |
Basic interest rates for USD deposits
|
Term of deposits, days |
Deposits | |||
|
from 10,000.00 to 199,000.00 USD |
from 200,000.00 to 299,000.00 USD |
from 300,000.00 to 1,699,000.00 USD |
from 1,700,000.00 USD | |
|
Amounts deposited |
0,5 |
0,5 |
0,5 |
0,5 |
|
31-90 |
2,9 |
3,2 |
3,5 |
3,8 |
|
91-130 |
4,4 |
4,7 |
5,0 |
5,3 |
|
131-180 |
5,4 |
5,7 |
6,0 |
6,3 |
|
181-270 |
5,9 |
6,2 |
6,5 |
6,8 |
|
271-365 |
6,4 |
6,7 |
7,0 |
7,3 |
|
366-730 |
6,9 |
7,2 |
7,5 |
7,8 |
|
731 and more |
7,1 |
7,4 |
7,7 |
8,0 |
Basic interest rates for EUR deposits
|
Term of deposits, days |
Deposits | |||
|
from 10,000.00 to 199,000.00 EUR |
from 200,000.00 to 299,000.00 EUR |
from 300,000.00 to 1,699,000.00 EUR |
from 1,700,000.00 EUR | |
|
Amounts deposited |
0,5 |
0,5 |
0,5 |
0,5 |
|
31-90 |
1,9 |
2,2 |
2,5 |
2,8 |
|
91-130 |
3,4 |
3,7 |
4,0 |
4,3 |
|
131-180 |
4,4 |
4,7 |
5,0 |
5,3 |
|
181-270 |
4,9 |
5,2 |
5,5 |
5,8 |
|
271-365 |
5,4 |
5,7 |
6,0 |
6,3 |
|
366-730 |
5,9 |
6,2 |
6,5 |
6,8 |
|
731 and more |
6,1 |
6,4 |
6,7 |
7,0 |
Types of account:
|
Term |
Classical fixed-term account |
Universal fixed-term account |
Optimal fixed-term account | |
|
Rate |
Basic rate |
0.8 of the basic rate |
Basic rate; term of 181 days or more | |
|
Possibility of premature termination |
Not permitted |
Permitted. In this case amounts of interest are recalculated according to the on-demand rates |
Permitted. In this case the amounts of interest are recalculated depending on the time of termination (see the Table of Coefficients) | |
|
Extension of agreements |
Possible (See procedure for making additional deposits) |
Possible (See procedure for making additional deposits) |
Possible (See procedure for making additional deposits) | |
|
Interest payment |
Monthly |
Monthly |
Monthly |
Coefficients for recalculating the rate when Optimal deposit agreements are terminated prematurely
|
Time of termination |
Rate |
|
First quarter of the term |
On-demand rate |
|
Second quarter of the term |
Basic rate*0.25 |
|
Third quarter of the term |
Basic rate*0,5 |
|
Fourth quarter of the term but no later than 7 days before its end |
Basic rate*0,75 |
|
Last week of the term |
Basic rate |
Procedure for making additional deposits
The bank allows additional deposits to be made into Classical, Universal and Optimal fixed-term accounts whose terms are 181 days or more. The procedure is:
|
Term of the deposit agreement |
Additional deposits may be made within the following period from the date the account is opened: |
|
from 131 to 180 days |
30 calendar days |
|
from 181 to 365 days |
90 calendar days |
|
from 366 to 730 days |
270 calendar days |
In the event of an urgent need for money, when the client has a deposit with the bank, the bank may always issue a loan or a bank guarantee using the deposit as collateral. In this way a client not only receives income but also makes payments without making withdrawals from the deposit, thus making the business more dynamic and efficient.
Clients whose operations through their accounts with the bank total a considerable amount may request terms which are more advantageous than the regular ones.
