Contributions individuals- this is the clients' own money, which they place in the bank at interest to increase profitability. The bank, agreeing to the payment of interest, receives funds from the population, which it uses to carry out its turnover. Thus, the deposit is a good deal for both parties.

What are the additional options

The difference between Post Bank deposits and others that can be found in other lines credit organizations, that there is no opportunity to place a foreign currency deposit. Post Bank works exclusively with domestic currency. However, he offers profitable terms for individuals, that is, higher interest rates compared to other banks. In addition, the population has higher confidence in it, since it is partially state-owned. Post Bank was formed as a result of an agreement between VTB 24 and Russian Post and is aimed at working with the population with low incomes.

Deposits can be characterized by a variety of options:

• refillable;
• With interest capitalization.

These options affect the size interest rate. The interest rate is a fixed percentage that is charged on the amount of the deposit for the year. A seasonal contribution is characterized by the fact that it is timed to a certain date. It can be a deposit for the Victory Day holiday. The purpose of the seasonal deposit is to save and increase the amount for a certain event. The bank rate for these types of deposits is higher than usual. The seasonal contribution was valid in the first half of 2017.

Replenishment of the deposit is an increase in the size of the main body of the deposit with the probability that the depositor may have additional free cash that he would like to add to his account. Accordingly, if the body of the contribution grows, then the profitability also grows.

Capitalization of interest means that the accrual of interest occurs in a certain time period:

In this case, the accrued interest at the end of the time period is added to the main body of the deposit. In the next time period, interest is accrued on the main body of the deposit plus interest for the previous period of time. For example:

Deposits of Post Bank for the population

So, what deposits does Post Bank offer to the public? There is a limited list:

The capital deposit of Post Bank assumes the highest interest rate, which varies slightly depending on the size Money:

• From 7.2% to 7.5% with a deposit of up to 500,000 rubles;
• From 7.2% to 7.6% with a deposit amount of 500,000 to 1,500,000 rubles;
• From 7.2% to 7.7% with a deposit of 1,500,000 rubles.

The amount of the deposit is not allowed less than 50,000 rubles. Replenishment conditions are minimal - only 10 days after opening, then it will be impossible to replenish the account. Interest on the deposit is paid at the end of the term, that is, if you open a deposit for 6 months, the client will receive income in six months. At the same time, except for six months, you can open deposits for 12 and 18 months.

Attention! FROM capital contribution cannot withdraw money.

But he has the opportunity to receive an additional 0.25% allowance for pensioners or for those wishing to open a deposit through a mobile application or the Internet. Also, upon opening, a “savings account” is provided free of charge.

The income deposit of Post Bank is interesting for people who do not want to wait for the end of the deposit term to receive interest. The terms of the deposit assume monthly interest payments, which makes it attractive to many groups of the population. But the term of this deposit is provided for only one - 12 months. And interest rates do not differ in variety:

• 7.2% with a deposit from 500,000 to 1,500,000 rubles;
• 7.35% with a deposit of 1,500,000 rubles.

The conditions for receiving the bonus are the same as for the "Capital" deposit. And in the conditions of the “Profitable” deposit, the opening of a “savings account” is envisaged.

The savings deposit of Post Bank has the most pleasant additional options compared to other deposits. It is, of course, replenishable, and there are no restrictions on the terms of its replenishment. The client can increase the body of the deposit for the entire placement period - 12 months. In Options bank deposit Interest is expected to be capitalized every 92 days. This means that the body of the deposit will constantly increase, therefore, the profitability is growing. Interest can be paid quarterly to the client.

Interesting! Minimum amount the contribution is only 5 thousand rubles.

Deposit rates vary:

• From 6.85% to 7.03% with a deposit of up to 500,000 rubles;
• From 7% to 7.19% with a deposit of 500,000 to 1,500,000 rubles;
• From 7.15% to 7.35% with a deposit of 1,500 thousand rubles.

The conditions for surcharges remain the same as for other types of Post Bank deposits.

Among relatively new commercial financial institutions Post Bank occupies a special place in our country. Deposits for pensioners are an integral part of its services, since the institution is primarily focused on working with clients of this category.

Brief information about the bank

In 2017, Post Bank, which is part of the VTB group of companies, began its work, and the Russian Post received an impressive part of its assets. The basis for a new commercial organization, became Leto Bank, which occupied a relatively small market share at the time of the reorganization.

Among the obvious advantages of this financial institution, it is advisable to note:

1. The possibility of increasing the rate on deposits for people of retirement age.
2. Availability of special service rates.
3. All deposits are insured.
4. Users have access to all modern account management services - mobile and online banking, an application for smartphones.

During the short time of the bank's existence, it has increased markedly due to the creation of client centers in numerous post offices throughout the country. Among the assortment financial services available to consumers, offers for pensioners take center stage.

Customer service of Post Bank takes place in post offices

Suitable bank products

Despite the fact that the institution itself is focused on clients of retirement age, special program not provided for them. However, among the standard offers, you can find several suitable options at once. In addition, the product line includes a specialized Pension tariff, which is provided by the state.

It allows clients of this age category to receive a number of privileges. Among them, it is necessary to mention the increased interest rate on deposits, as well as preferential lending conditions. This makes the use of Post Bank services noticeably more profitable from a financial point of view.

All types of deposits presented in the assortment of this bank are characterized by several features. The client can open it exclusively in rubles, which is far from always justified, given inflation and exchange rate fluctuations. At the same time, all products are insured by the DIA, which allows you to recover up to 1.4 million rubles of invested funds.

The essence of the pension

Within the framework of such a tariff, the client is given the opportunity to issue a special pension card, which will allow him to receive 7% on the balance of funds annually. At the same time, the maintenance of "plastic" is completely free, which allows you to save. The “Pension” service package also allows you to open a savings account free of charge.

A card is attached to it, which is issued in the MIR payment system. The main advantage of a savings account is the ability to manage funds, and interest is calculated every month on the amount remaining on it. In addition, the possibility of receiving payments to the account is provided, which will make its use more convenient.

The holder of such "plastic" can freely withdraw cash from the following financial institutions:

1. Post Bank.
2. Bank of Moscow.

If desired, you can get the required amount at the nearest branch of the Russian Post. Within the framework of the tariff, the client will have access to the entire list of services, including mobile and online banking, as well as payments and money transfers.

The disadvantages of this banking product, it is advisable to include an unnamed type of card. This imposes significant restrictions on a number of payments made on the Internet.

Post Bank card for pensioners

Possibilities of a pension card

Such a card is a unique product that only Russian Post Bank sells.

Deposits using the "Pension" tariff receive +0.25% yield.

Its advantages include the possibility of quick release of the product and its subsequent delivery to the applicant's home. In addition, it has other features:

• accrual of 7.46 percent on the remaining amount with capitalization;
• SMS-notification about all operations performed using "plastic";
• the possibility of receiving a pension on the card;
• privileges, discounts and promotions payment system PEACE.

The card can be used through a mobile application, which will allow you to pay remotely public Utilities, make payments and transfers, pay taxes. Using the tariff will also allow you to use credit services bank on preferential terms.

Deposit "Capital"

One of the main deposits in the line of Post Bank is "Capital". It provides for an interest rate of 8 to 9.5% per year, which depends on the timing and amount of invested funds. To get the most favorable conditions, it is recommended to deposit an amount of at least 1.5 million rubles for six months, which will allow you to receive maximum income.

However, within the framework of this program, deposits of relatively small volumes are more popular with pensioners. financial resources from 50 to 500 thousand rubles. In such cases, investors should rely on minimum percentage under the program, equal to 8%. The minimum investment period is six months, and the income received is added to the balance of the deposit.

It is important to note that interest, in accordance with the terms of the agreement, will be accrued on the last day of its validity. If the funds are claimed earlier, the rate will be reduced by the bank unilaterally.

Deposit "Profitable"

This offer is designed for pensioners with significant funds. The minimum investment amount is 500 thousand rubles, and the terms of investments may vary and depend on the wishes of the client. This convenience is somewhat offset by a reduced interest rate of 7.5%.

Interest is paid monthly, and the income received is added to the balance of the deposit. If there is a need to withdraw funds early, the consumer will have to face a reduction in the interest rate.

Deposits for pensioners are distinguished by favorable conditions

Accumulative pension deposit

Such a product differs from analogues in that interest is accrued every 92 days, after which they are capitalized. A pensioner with an early demand for invested funds does not lose the previously accrued interest, which is extremely beneficial. The accumulative pension deposit seems to be one of the most loyal in terms of:

1. The minimum investment amount is 5000 rubles.
2. The period of placement of funds is 1 year.
3. Replenishment of the deposit can be carried out at any convenient time.
4. Interest is calculated every three months.
5. There is a possibility to extend the term.

Among all the bank's offers, this seems to be the most beneficial for clients who do not have a large amount of savings, but are ready to gradually increase it in order to increase profitability. Such a loyal attitude is offset by a reduced interest rate of 7-7.5%.

"Seasonal" deposit

Among the offers of the bank, there are also non-standard options. These include the “Seasonal” deposit, which consumers will be able to open until June 30, 2018. Its conditions provide for a minimum investment of 50,000 rubles, which are placed for a year. The interest rate of the deposit is fixed and amounts to 8.25% per annum.

All income received is added to the amount of the deposit at the end of its validity period. You can deposit additional funds to your account within 10 days, however, early withdrawal is not provided. If the consumer wishes to extend the term of the contract, it will be extended according to the terms of the Capital program.

How to make a deposit

In order to open a deposit at Post Bank, a pensioner will need to personally visit a branch of the organization or use the services of a client center at a Russian post office. After that, the client must present a passport of a citizen of the Russian Federation and conclude an agreement with the company.

If the consumer is already a client of the bank, he can increase his income by making a deposit remotely. To do this, you will need to use the online banking service. However, it will not work to use such an allowance at the same time as the pension counterpart.

When the deposit is made, the user will be given a card attached to the account, which will be used to deposit funds to it. You can do this in various ways:

• through the Internet;
• using an ATM;
• transfer funds from another bank.

The last method seems to be the most profitable, as it will allow you to get an additional 0.25% to the deposit interest rate. Moreover, such a benefit is summed up with a pension bonus, which allows you to increase income by 0.5%.

Many bank customers who plan to deposit large funds are worried about their safety. After all, during a crisis, many financial institutions are closed, and the funds stored there burn out. Gives some protection to the consumer The federal law No. 177, according to which all deposits in the Russian Post bank are insured by the DIA. This means that the depositor will be able to return up to 1.4 million rubles previously kept in each of the banks. To increase the security of invested funds, it is not recommended to store more than this amount in one institution.

Post Bank: profitable deposits individuals in 2019

Post Bank deposits for individuals in 2019 are an opportunity to save your savings from inflation and even earn a little on interest. Post Bank's line of savings products today includes 4 main types of deposits. Each of them has their distinctive features. For comparison, the correspondents of the site reduced them to a small table:

Below we will describe each of them in detail and try to choose the most profitable deposit of Post-Bank today.

In the meantime, it should be noted right away that Post-Bank does not currently have expenditure contributions with partial withdrawal of funds without loss of interest, as well as any special benefits in case of early termination of the deposit agreement. This means that when depositing savings, you must accurately calculate your financial capabilities. Of course, you can withdraw your money at any time, but only without accrued interest.

Another feature of the savings programs of Post Bank in 2019 can be considered the absence of deposits in foreign currency: US dollars and euros. Deposits for the population in Post Bank today can only be opened in rubles. However, this does not prevent him from attracting more and more investors.

Post Bank deposits for pensioners in 2019 - features

Before starting a comparison of the conditions and rates of savings programs of Post-Bank, a few words should be said about the features of attracting money from older people.

Deposits of individuals by Post Bank for pensioners in 2019 are not specially allocated from the basic line of deposits, as in some other places. It's just that when opening a deposit, pensioners receive an increased interest rate.

Today deposits for pensioners at Post Bank have a bet on 0.25 percent per annum higher than for other individuals (“Pension” tariff). For getting higher rate it is enough to present a pension certificate or a certificate from the Pension Fund of Russia.

By the way, for the same amount ( +0.25 percent per annum) the interest rate of the deposit increases under two more conditions:

1. when opening a deposit online - via Mobile or Internet Banking,

2. when switching to the "Active" tariff.

Post Bank deposits for individuals in 2019: interest and conditions

Let's consider under what conditions and at what interest rates today it is possible to open deposits of individuals in Post Bank. Let's compare their pros and cons. And we will begin our review with a new seasonal deposit. To date, this is the most advantageous offer.

New deposit of Post-Bank "Maximum"

This is a seasonal offer that is only valid until July 1, 2019. So, if you have a desire to take money to Post-Bank, then hurry up.

The main advantage of this deposit is an increased interest rate - 7.15% per annum in rubles. But under certain conditions, the rate can be increased by 0.25 percentage points. For example, when opening a deposit in Post Bank Online, customers who have a savings account with tariff plan"Active" or retirees.

The main conditions for attracting money are typical for seasonal offers: interest is paid at the end of the entire period of 367 days, partial withdrawal without loss of income is not provided.

Terms

• ☑ Deadline: 367 days;
• ☑ Amount: from 100,000 rubles;
• ☑ Replenishment: only in the first 10 days after opening;
• ☑ Debit transactions: No;

Interest rates

Deposit Post Bank "Capital": interest and conditions

This deposit involves obtaining the maximum income - up to 7.25 percent per annum. To receive this benefit, you need to make a deposit through the Internet Bank. Also, pensioners can get the highest interest rate.

The "Capital" deposit can be replenished only during the first 10 days after opening. Strictly speaking, this can not be called a replenishment. Rather, it is an opportunity to stretch the deposit amount over time. So, if you planned to periodically save part of your salary or pension to the bank, then this deposit will not suit you.

It is also impossible to withdraw part of the money already invested without losing interest. In case of early termination of the deposit agreement, interest will be paid at a rate of 0.1% per annum, so plan your expenses in advance for the entire period of the deposit.

Interest on the "Capital" deposit is paid at the end of the term. When the deposit is closed, the money is transferred to the Savings Account, from where the funds can be withdrawn in cash from an ATM or transferred to another bank.

Along with the deposit, a “Savings Account” and a MIR debit card are opened free of charge.

Terms

• ☑ Placement term: 6, 12, 18 months;
• ☑ Minimum amount: from 50,000 rubles;
• ☑ Interest payment: at the end of the term;
• ☑ Early termination: at a rate of 0.1% per annum.

Interest rates

Special conditions are valid for pensioners (tariffs "Pension", "Salary pensioner"), when opening a deposit through Post Bank Online, when switching to the "Active" tariff

Deposit of Post Bank "Profitable": interest and conditions

Interest on the “Profitable” deposit is paid monthly. So it can be convenient for those who plan to periodically receive income from the money invested. In the people it is called "to live on interest." Otherwise, it is very similar to the previous deposit from our Capital review.

Simultaneously with the “Profitable” deposit, a “Savings Account” and a MIR card are opened free of charge, which then will need to receive money and interest.

An increased rate of 0.25% can be received by pensioners and those depositors who make a deposit online through the Internet bank, as well as when switching to the Active tariff.

For the gradual deposit of money into the deposit account, it is provided to replenish the deposit within the first 10 days (at other times, additional deposits are not allowed).

The terms also do not provide for partial withdrawal of money from the deposit without loss of profitability, and in case of early termination, you will be charged interest at a rate of 0.1% per annum.

At the end of the entire term of the deposit, the money is transferred to the Savings Account, from where the funds can be withdrawn in cash from an ATM or transferred to another bank.

Terms

• ☑ Minimum deposit amount: from 500,000 rubles;
• ☑ Replenishment: allowed only during the first 10 days after opening;
• ☑ Capitalization: not provided;
• ☑ Debit transactions: not allowed;
• ☑ Interest payment: monthly;
• ☑ Early termination: at a rate of 0.1% per annum.

Interest rates

Special conditions are valid for pensioners (tariffs "Pension", "Salary pensioner"), when opening a deposit through Post Bank Online, when switching to the "Active" tariff

See what interest on deposits gives VTB Bank.

Deposit of Post Bank "Accumulative": interest and conditions

This deposit is suitable for those who intend to save money by replenishing their bank account. Additional contributions to the contribution can be made during the entire period, and their minimum size is not limited. The deposit can be replenished monthly at least for 100 rubles, at least for 500 thousand.

Another important feature is that the interest on the "Accumulative" deposit is capitalized every 92 days, replenishing the deposit amount.

Partial withdrawal of money from the deposit without loss of profitability is not provided. But the conditions for early termination of the deposit agreement are interesting. In particular, if you decide to withdraw the money before the due date, then all previously paid interest will be retained. But interest for the period from the last payment to the date of termination of the contract will be accrued at a rate of 0.1% per annum. As you can see, the conditions for early withdrawal of the deposit are quite loyal!

When the deposit is closed, the money is transferred to the Savings Account, from where the funds can be withdrawn in cash from an ATM or transferred to another bank.

In a word, the terms of the Post Bank "Accumulative" deposit are quite favorable, and the interest rate has not let us down - up to 6.5% per annum today. Well, let us remind you that pensioners and those depositors who make a deposit online through the Internet bank, as well as when switching to the Active tariff, can receive an increased rate of 0.25%.

Terms

• ☑ Placement term: 12 months;
• ☑ Minimum amount: from 5,000 rubles;
• ☑ Replenishment: allowed during the whole period;
• ☑ Capitalization: provided;
• ☑ Debit transactions: not allowed;
• ☑ Interest payment: quarterly;
• ☑ Early termination: no loss of interest paid.

Interest rates

6.50% (6.66% with capitalization) - basic conditions;

6.75% (6.92% with capitalization) - for pensioners (tariffs "Pension", "Salary pensioner"), when opening a deposit through Post Bank Online, when switching to the "Active" tariff.

See the most profitable replenished deposits today - overview >>

Post Bank deposit calculator 2019: calculate income

The Post Bank online deposit calculator for individuals will help you calculate income depending on the interest rate and term. It allows you to find out the profitability, taking into account capitalization, replenishment and withdrawal of funds from the account.

Savings account Post Bank: conditions and interest

The savings account of Post Bank is a bank account with a MIR card for saving money, increasing it and convenient use.

You can transfer your salary or pension to the Savings account at Post Bank. You can spend money without restrictions, and interest will accrue on the minimum balance of funds in the account during the month.

Interest is paid monthly, capitalized on the account, and when you withdraw funds, the income received will remain with you.

Interest rates

The savings account of Post Bank has "Basic" tariffs for ordinary individuals, as well as "Salary", "Pension" and others with an increased interest rate.

See what the most profitable deposits for the population are offered by reliable banks in Russia today.

What is the "Active" tariff in Post-Bank?

Post-Bank customers, both ordinary individuals and pensioners, can apply for an Active tariff. Why is it beneficial?

Because when switching to the "Active" tariff, the bank offers

• √ increased by 0.25% per annum interest rate on deposits;
• √ increased by 1% rate on the minimum balance of funds in the Savings Account;
• √ reduced by 2% per annum rate on a cash loan.

How to switch to the "Active" tariff?

To switch to the Active tariff, it is enough to spend on a Post Bank card or make payments to Post Bank Online for a total amount of at least 10,000 rubles per month. As soon as this condition is met, all the benefits of the "Active" tariff will be activated automatically.

How to open a deposit in Post Bank: step by step

If you are not yet a Post Bank client, do the following:

• 1. Contact an employee of the Post Bank customer center with a Russian passport and a mobile phone;
• 2. Open a Savings account and choose the method of opening a deposit: via the Internet and mobile bank(+0.25%) or a written application in the client center (+0.25% for pensioners, Pension tariff);
• 3. Deposit money via: Internet and mobile banking / ATM / interbank transfer (+0.25% on the transfer amount).

If you are already a client of Post Bank, then it is not necessary to visit the client center to open a deposit (if you wish, you can open a deposit in the client center). It is enough to do the following:

• 1. Open a deposit in an Internet or mobile bank (and get +0.25%);
• 2. Deposit funds: via Internet and mobile banking / ATM / interbank transfer (+0.25% on the transfer amount).

How to replenish deposits of Post-bank

Replenishing a deposit account is quite simple. For this:

• 3. Deposit money and receive a check.

Deposits "Capital" and "Profitable" can be replenished within the first 10 days after opening. Money can be deposited on the “Accumulative” deposit during the entire term of the agreement.

Terms of deposits provide for SMS-informing. You will receive SMS-messages from the bank about each receipt of funds to the deposit, as well as about an increase in the interest rate when the deposit reaches the level of the next amount gradation.

How to withdraw money

When the deposit is closed, the funds are transferred to the Savings Account. And from there you can withdraw cash from an ATM or transfer to another bank. For this:

• 1. Get a local map. PIN-code will be sent to you by SMS-message to your mobile phone;
• 2. Select the appropriate item from the menu on the screen;
• 3. Get funds and a check.

If you urgently need money, you can get it any day. To do this, you need to contact the customer center of the bank with an application. Interest on the deposit will be paid at the rate of 0.1% per annum.

Conclusions: what is the most profitable deposit of Post-Bank?

The answer to this question seems to be quite simple. The “Maximum” deposit has the highest interest rate today, which means it can be considered the most profitable. But if the client needs a monthly withdrawal of interest, then the “Profitable” deposit will be the most suitable for him.

If you plan to replenish the deposit from time to time, then the “Cumulative” deposit will be the most profitable for you.

Popularity among customers Post Bank largely owes its origin. The Post Bank project was launched by the joint efforts of two giants - Russian Post and VTB Bank. Today Post Bank is a member of the international financial group VTB is a bank with state participation.

The head office is located in Moscow, but others are located in post offices throughout Russia, which is very convenient. It is possible that soon Post Bank will be able to compete with Sberbank of Russia in terms of the size of the branch network.

Deposits of individuals in Post Bank in 2018 are insured by the state, which means that even if the bank ceases to exist, which is unlikely, customers can count on a refund of the deposit amount with interest in the amount of no more than 1.4 million rubles.

Contacts

For details on the conditions and interest rates of the deposit, check the official website of Post Bank www.pochtabank.ru or contact the Bank's employees.

Customer Service Phone: 8 800 550 07 70.

The information is not a public offer. License of the Central Bank of the Russian Federation for implementation banking operations № 650.

Payroll customers and those who receive a pension from the bank are often offered more attractive conditions for various products. So for deposits for pensioners in Post Bank in 2019 there are special tariffs increased by 0.25%. To receive the pension itself, a savings account is opened, on the balance of which up to 7% per annum is automatically charged.

Post Bank deposits

Such preferential deposits provide the opportunity to save and spend at the same time. This is especially true of a savings account that capitalizes interest and increases the income from savings over time. The remaining products for pensioners in 2019 are opened at a rate of 0.25-0.5 p.p. above base.

Today there are three deposit programs:

• Capital (has a certain period and involves the highest interest);
• Profitable (replenished, monthly interest accrual);
• Cumulative (income is paid quarterly, you can close ahead of schedule, without loss of profit).

Choosing the right option depends on the goal. Do you want to save and increase funds? Suitable "Capital". Are you going to save up a certain amount of money for a serious purchase? Opt for "Cumulative" with low profits, but with the possibility of free withdrawals. Average percentage, but the option of periodic withdrawal of money is possible on the "Profitable" deposit.

All deposits are insured by the state, which guarantees their return. Consider the favorable conditions for pension deposits at Post Bank for pensioners in 2019, the ways of registration, additional functions and services. Let's start with a program to which all pensioners are connected immediately after opening an account to receive social payments in the bank.

Savings account when receiving a pension at Post Bank

Favorable interest rates

Post Bank's interest on deposits to pensioners in 2019 for any of them, unlike other clients, is 0.25% higher. They will also increase in the case of transferring available funds from the account of another financial institution. +0.25% per annum is charged on the amount of the interbank transfer.

Consider the basic conditions for deposits.

Capital

The highest rate is 7.55%). Size - at least 50 thousand, and for maximum income - from 1.5 million rubles. Possible term is 6, 12 or 18 months. The goal is to save and multiply money.

Profitable

Average interest (7.0-7.35%, depending on the amount of funds deposited). Size - from 500,000 or 1,500,000 rubles. It pays to invest more. Aimed at making a profit.

Cumulative

Provides for accrual from 7.05%, if the amount is from 5 thousand, with an increase in the amount of invested funds, the rate rises to 7.15%, and with capitalization - up to 7.33%. The purpose is to collect a specific amount of money or just save it, not waste it.

Comparison of contributions

Capital and Income deposits are replenished only during the first 10 days, Income - at any time of its validity. Withdrawal of funds upon closing is carried out by transferring them to a savings card. Then the money can be cashed out, transferred, spent or left on the card and receive additional income.

Retirement Savings Account

An important point: the deposit rates for pensioners in Post Bank will be higher only if the client receives a pension in it. At the same time, the larger the amount of deposited money, the more interest is charged. Your pension is immediately credited to your savings account.

According to the "Pension" tariff, there are:

• 4.5% on the balance, which must be at least 1 thousand rubles;
• if there are more than 50 thousand on the card, charges increase to 7%.

After transferring the receipt of a pension, a number of services become available to the client, making deposit management more convenient and practical. First of all, this is SMS-informing and Internet banking, which allow you to manage money in absentia and at any time.

On the balance (minimum - 1 thousand), there is a monthly interest accrual. They increase the size of the deposit, and even after withdrawal, the income remains with the depositor. There is capitalization.

Seasonal contribution

Periodically invited to open seasonal contribution at Post Bank for pensioners. In 2017, it could be issued until June 30. The interest on it is fixed - 8.5%. Term - one year, size - from 50 thousand rubles. Its advantage is favorable rates, the disadvantage is the time limit for opening. Follow the offers of the Bank and save money in it will be even more profitable.

Deposit calculator

It will help to calculate and compare the conditions for deposits in the Post Bank for pensioners calculator available on the official website under each deposit program. Using the slider on the left side of the window, specify the initial data - the tariff and income will be displayed on the right. For retired bank clients, you just need to add 0.25 or 0.5% to the base rate. Then analyze the results and choose which option is more suitable.

Opening a deposit in Post Bank

Opening a deposit at Post Bank for pensioners in 2019 is very simple. Convenient to use online clearance. It is enough to click on the appropriate button located under the profitability calculator and enter the required data.

You can use mobile application or internet banking. More conservative categories of citizens can always make a deposit in person at one of the bank branches. The employee will tell you about all the current tariffs, help you choose the most suitable option.

Those who do not yet receive a pension at Post Bank should first re-register its delivery by submitting an appropriate application. After that, all preferential programs will become available to the client. Pension rate is connected automatically immediately after receipt of payments from the FIU.

Additional services for pensioners

Keeping money on a savings card or in the form of a deposit allows you to protect them from inflation and increase them.

However, there are a number of other benefits available to retired depositors:

• free receipt of a reliable one with all its advantages;
• the ability to connect mobile or Internet banking and pay utility bills, telephone connection and other payments, manage finances (transfer / receive) directly from home;
• payment for goods and services in the virtual network, as well as receiving an "Online Buyer Package" that guarantees the safety and profitability of online shopping;
• convenient SMS-informing that allows you to monitor receipts and expenditures, increase and accrual of deposit rates.

Also, in addition to reduced interest on deposits for pensioners, Post Bank offers other preferential products in 2019:

• under 14.9%;
• interest-free credit card (up to 120 days);
• refinancing of loans from third-party creditors at 16.9%

Therefore, to transfer the pension to given bank profitable and convenient not only for the sake of savings, but also for further cooperation.

Conclusion

Post Bank's interest on deposits for pensioners in 2019 is 0.25-0.5% higher than the base rates. Automatically everything pension cards connect to savings account on preferential terms at 7% per annum.

In 2019, Post Bank offers individuals, including pensioners, a profitable range of deposits. See at what interest rates today you can open deposits at Post Bank.

Today, the line of deposits of individuals in Post Bank is quite different from the offers we are used to from other banks.

√ It is not possible to open deposits in foreign currency here. Only deposits in rubles are accepted.

√ It is not possible to make a deposit with a partial withdrawal of money without losing interest. For example, such as "Managed" in Sberbank or "Comfortable" in VTB.

But Post Bank deposits have many other advantages. For example, the fact that for deposits made via the Internet, as well as those opened by pensioners, there is a substantial premium to the interest rate. In addition, when opening a deposit, the client receives his own Savings Account free of charge and debit card PEACE.

And now, when the correspondents of the site briefly spoke about the main features of Post Bank deposits, you can proceed to their detailed review.

Post Bank: interest and terms of deposits for today

Today, in the line of deposits of Post Bank there are deposits with a high rate, replenishment, monthly payment percent, as well as capitalization. Consider what interest rates and conditions today have Post Bank deposits for individuals, including pensioners.

Deposit Post Bank Maximum - the most profitable for today

This is new seasonal deposit for individuals, which has the highest interest rate to date. But if you plan to apply for it, then you need to hurry. Deposit accepted only until July 1, 2019.

Terms

• Term: 367 days;
• Amount: from 100,000 rubles;

Interest rate

Deposit Post Bank "Capital": interest and conditions

This is a classic deposit for individuals, which allows you to get the maximum income from investing funds. It will be especially beneficial for those who are ready to deposit a large amount in Post Bank and not withdraw money for a year.

Terms

• Term: 6, 12, 18 months;
• Amount: from 50,000 rubles;
• Replenishment: provided within the first 10 days;
• Partial withdrawal: not provided;
• Interest payment: at the end of the term;
• Early termination: at a rate of 0.1%.

Interest rate

1. Basic conditions

Basic conditions

2. Special conditions for pensioners (tariffs "Pension", "Salary pensioner"), when opening a deposit through Post Bank Online, when switching to the "Active" tariff

See what interest on deposits of individuals today offers

Deposit of Post Bank "Profitable": interest and conditions

This is a deposit for individuals with a monthly interest payment. The minimum deposit amount is quite large, but depositing less in the bank is not profitable if you are going to live on interest. In any case, you can withdraw all the money if they are urgently needed, even without accrued interest.

Terms

• Term: 12 months
• Amount: from 500,000 rubles
• Replenishment: provided within the first 10 days
• Partial withdrawal: not provided
• Interest payment: monthly to a savings account
• Early termination: at a rate of 0.1%.

Interest rate

Special conditions for pensioners (tariffs "Pension", "Salary pensioner"), when opening a deposit through Post Bank Online, when switching to the "Active" tariff.

Deposit of Post Bank "Accumulative"

This is a replenishable deposit for individuals, which allows you to save money by replenishing the deposit from time to time. In addition, interest is capitalized every 92 days.

Terms

• Term: 12 months;
• Amount: from 5,000 rubles with the possibility of replenishment;
• Replenishment: provided during the entire period;
• Partial withdrawal: not provided;
• Interest payment: capitalization into the deposit every 92 days;
• Early termination: at a rate of 0.1%.

Interest rate

1. Basic conditions:

6,5% (6.66% with capitalization)

2. Special conditions for pensioners (tariffs "Pension", "Salary pensioner"), when opening a deposit through Post Bank Online, when switching to the "Active" tariff:

6,75% (6.92% with capitalization).

Deposit of Post Bank "Post"

This is a classic deposit for individuals without replenishment, capitalization and partial withdrawal part of the funds without loss of interest. The terms of the deposit provide for the possibility of early closing of the deposit at a preferential rate. Registration of the deposit is carried out in the post offices by employees of the Russian Post.

Terms

• Term: 181, 367 days;
• Amount: from 50,000 rubles;
• Replenishment: provided within the first 10 days;
• Partial withdrawal: not provided;
• Interest payment: at the end of the term;
• Early termination: at a rate of 0.1%.

Interest rate

Surcharge:

+0,25% per annum to the rate for pensioners (tariffs "Pension", "Salary pensioner"), when opening a deposit through Post Bank Online, when switching to the "Active" tariff.

Savings account Post Bank

When you open deposits for individuals with Post Bank, customers are also issued a Savings Account and a MIR debit card for free. This is done for the convenience of using the deposit.

Firstly, when the deposit is closed, the funds are transferred to the Savings Account, from where the money can be withdrawn in cash from an ATM or transferred to another bank using a card. Also, the card is convenient for monthly withdrawals of interest.

And secondly, the Savings account itself can serve as an excellent financial instrument, since decent interest is charged on the balance of funds there.

So, when opening a Post Bank Savings Account, the client receives free of charge:

• opening and maintaining an account;
• issuance and maintenance of an unnamed MIR card;
• connection and maintenance of Mobile and Internet banking;
• all transfers to customers of Post Bank from the account;
• replenishment of the account from cards of other banks in Post Bank Online (from 3,000 rubles);
• cash withdrawal by card at ATMs of Post Bank and VTB Group banks, as well as cash points of Post Bank at post offices;
• depositing cash into an account at Post Bank ATMs and ATMs of VTB Group banks.

Interest rates

Special conditions apply to customers with the tariffs "Salary", "Active", "Pension" and "Salary pensioner".

Interest is paid monthly, capitalized on the account, and when you withdraw funds, the income received will remain with you.

To open a Savings Account, simply inform the Post Bank employee about your desire when making a deposit for individuals.

Tariff "Active" in Post-Bank

Post-Bank customers, ordinary individuals and pensioners, can apply for an Active tariff.

Why is it beneficial?

When switching to the “Active” tariff, the bank offers an interest rate increased by 0.25% per annum on deposits.

Your interest on the minimum balance of the Savings Account will increase by 1%.

Your cash loan rate will automatically decrease by 2% per annum! And the overpayment on the loan will be significantly less.

How to switch to the "Active" tariff

Pay for everyday purchases with Post Bank cards or make payments to Post Bank Online for a total amount of 10,000 rubles or more per month, and you will automatically get all the benefits of the Active tariff.

Post Bank deposits for pensioners 2019: the percentage is even higher!

Today, about a third of Post Bank's clients are pensioners. And their number will grow. This is not surprising, because the deposits of individuals Post Bank for pensioners have an increased interest rate. The surcharge is 0.25%.

You can get it if you receive a pension to your account at Post Bank. If necessary, a bank employee will help you fill out such an application for the transfer of payments to transfer it to Pension Fund Russia (FIU). The "Pension" tariff with a premium on deposits and other benefits is set automatically upon the first transfer of funds from the PFR.

How to open deposits of individuals Post Bank

If you are not yet a Post Bank customer, then

1. Contact an employee of the Post Bank customer center with a Russian passport and a mobile phone;

2. Open a Savings account and choose the method of opening a deposit: through Post Bank Online or in the client center.

3. Deposit money through the Internet bank, ATM or using an interbank transfer.

If you are already a client of Post Bank, then you can immediately open a deposit via the Internet (if you wish, you can also contact the client center). You can also deposit money through the Internet bank, ATM or using an interbank transfer.

SMS informing

Clients will receive SMS messages from the Bank about each receipt of funds in a deposit, as well as about an increase in the interest rate when the deposit amount reaches the level set for a higher rate.

Deposit insurance for individuals Post Bank

All Post Bank deposits for individuals are insured in accordance with the law Russian Federation. The amount of compensation for insured event, recall, today is 1.4 million rubles.