Where can I open a deposit?
Deposits under more high percent available through mobile app Premier BCS, at regular interest - at personal visit office. For example, if you open a ruble deposit online through the application, in some cases the rate for you will be higher by 0.3% per annum.
In what currency can I place a deposit in a bank, except for the ruble?
Currency deposits for individuals we open in US dollars, euros and pounds sterling.
Are your deposits insured by the DIA?
How to open a deposit at a high interest rate?
To get a higher rate, open a deposit in the BCS Online service for a large amount.
Are there any restrictions on deposits in euros?
Deposits "Universal Choice", "Profitable" and "Cumulative" in euros can be opened after 90 calendar days from the date of conclusion of the contract on complex banking services.
Under what conditions is the deposit extended?
If at the end date your type of deposit is still valid, it will last until new rate. If your deposit is no more, the money with accrued interest will be credited to the current/savings account in the deposit currency. The bank may not extend the deposit if the conditions for the minimum balance or the maximum amount are not met by the date of extension.
What is an irreducible balance?
The minimum deposit balance is the minimum amount that must be kept in your account during the term of the deposit. If you violate the minimum balance rule, the bank will return the funds to you and recalculate interest at the demand rate.
What is the maximum deposit amount?
This is the maximum possible amount that can be in the account for a particular deposit.
Do I have to pay taxes on my investment income?
For a ruble deposit to be subject to personal income tax, its rate must be higher key rate Central Bank + 5 p.p. To currency deposit subject to personal income tax, its rate should be above 9% per annum.
Is deposit replenishment available?
Yes, replenishment is available for some deposits. Specify the amount and terms when replenishment of the deposit is allowed.
Is it possible to close the deposit ahead of schedule?
Yes, but then the interest will be recalculated at the demand rate - 0.01% per annum. Detailed terms early termination, check with your financial adviser.
Can my relative receive money on deposit for me?
Yes, you need to issue a power of attorney for this.
How to close a deposit?
You can close the deposit at the bank office or in the BCS Online service.
BCS Premier was awarded a high credit rating by RAEX (Expert RA agency). This indicates that the bank can be fully responsible for its obligations to customers. This cannot but be of interest to potential investors who would like to open deposits for individuals in BCS Bank in 2020.
In addition to the reliability of a financial and credit institution, it would be useful to know the equally important investment conditions: rates, terms, currency, and so on.
BCS Bank deposits in 2020
The classics of accumulation and saving of capital for individuals are bank deposits. BCS offers five products to its customers:
- "Profitable";
- "Universal Choice";
- "Cumulative";
- "Investment";
- "Dual strategy".
They differ in the period of storage of funds, interest, management conditions, currency. A potential investor chooses the product he likes on his own. Registration in the office takes no more than 20 minutes, it is enough to have a passport of a citizen of the Russian Federation with you. New clients are offered preferential terms, also increased profitability accompanies deposits opened via the Internet using a remote banking service system.
"Profitable"
A term deposit that involves raising funds in Russian rubles, US dollars, euros and pounds sterling. The main parameters of the ruble deposit product:
- amount from 50 000 rubles, maximum limit not provided;
- terms from 31 days to 730 days;
- the rate is from 5.6% to 7.6% (when signing an agreement through RBSS BCS Online, the maximum annual rate increases to 7.9%).
With regard to foreign exchange investments, the period of the agreement will be similar, however, the minimum fee for registering a deposit will be 100 dollars / euros / British pounds. The percentage will vary depending on the type of currency:
- up to 3.7% for dollar investments;
- up to 1% for deposits in euros;
- up to 1.5% for deposits in pounds.
The final rate is calculated individually, depending on the amount of investment funds and the deposit period.
Interest is accrued at the choice of the client: monthly or at the end of the term. The deposit amount cannot be changed, account management is not available. Early termination will cause the loss of interest already accrued, since the rate will be recalculated according to the terms of the “on demand” deposit, that is, 0.01% per year. Provided automatic prolongation, under the terms and conditions valid at the time of renewal.
"Universal Choice"
As part of the deposit program, the bank accepts four currencies. The starting capital for the conclusion of the contract is 10 thousand rubles or 100 USD / EUR / GBR. BSK Premier installs and maximum amounts investments amounting to 50 million, 800,000, 200,000 and 800,000 currency units, respectively.
The terms of service imply the ability to change the amount on the deposit account. Replenishment of at least 50,000 rubles or 1,000 US dollars / pounds sterling / euros. Withdrawals are limited to the set minimum balance only.
The interest rate for ruble deposits ranges from 4.6% to 6.45%, for dollar deposits - from 0.8% to 2.3%. annual rate, defined for deposits in euro - from 0.1% to 0.7%, in British pounds - from 0.3% to 1.3%. The retention period for personal savings is 31–730 days.
"Cumulative"
The deposit project also implies the possibility of depositing four currencies into the account. The term of the contract is fixed and is 365 days. The smallest amount required for registration (it is also a minimum balance) is 5000 rubles, 100 dollars, euros, pounds. There is no maximum deposit limit accounting policy bank, exception - deposits in euros cannot exceed 100,000 units of currency.
The rate under the "Accumulative" program is fixed. For ruble savings - 4%, dollar - 1.2%. Deposits in euros are accepted at 0.1%, in British pounds - 0.4%. If the client makes transactions in trade and service enterprises using bank cards for a total amount of more than 30,000 rubles, the annual rate increases to 7.5%, 3%, 1.3% and 1.1%, respectively.
The agreement is automatically renewed. Account management is allowed: making additional investments, withdrawing part of the funds up to the level of the minimum balance.
"Investment"
The deposit accepts only ruble investments. The term of the contract is 181 days. The smallest amount of funds required to open a deposit is 50,000 rubles. Debit transactions on the account are not provided, if committed, they will lead to a loss of income for the depositor. Extension of the deposit and the payment of additional savings are not allowed.
The annual rate depends on the amount of savings and will be determined within the framework of each agreement:
- with a deposit from 50,000 to 300,000 rubles - 7.99%;
- for deposits over 300,001 rubles - 8.5%.
The percentage fixed at the date of signing the agreement is not subject to change. All accruals are paid to the depositor upon the expiration of the cooperation period to the specified savings account.
"Dual Strategy"
The deposit is made in the currency of the Russian Federation for a period of 365 days. Minimum amount investment is 100,000 rubles, the maximum is 400,000 rubles. Under the terms of the agreement, making additional contributions and withdrawing part of the money is unacceptable. The deposit is non-renewable.
The rate under the program is 8.5%. In case of violation of the basic conditions prescribed in the agreement, the income will be recalculated at 0.01%. If the funds are withdrawn from the account ahead of schedule, BCS Bank will calculate the capital at 0.01%.
Additional offers
- From March 4, 2019 to May 31, 2019, BCS Premier offers to invest in a ruble deposit "Spring". The amount of the contract can vary from 10,000 to 1.4 million rubles. Depositing and withdrawing funds from the account is unacceptable. Annual under the program is quite impressive - 8.20%. The client can use this offer only once.
- Deposit "In the plus" characterized by a similar rate of 8.2%. The minimum investment amount for citizens served in the Moscow divisions of the BSC is set at 500,000 rubles, for other clients - 300,000 rubles. Partial withdrawal and additional contributions are not provided for by the terms of the contract. Only persons who have entered into an agreement for the first time can become a participant in the program. banking services with a bank.
- Product "Poste restante" is standard and assumes free account management. The deposit rate is low and for each of the 4 allowed currencies is 0.01%.
- Another interesting offer is a deposit "Currency standard", involving the storage of rubles, US dollars, euros and pounds sterling. The minimum savings amount is 10,000 rubles, 100 $/€/£. Additional contributions and expenditure operations under the terms of the contract are not provided. Individuals who have connected the package of services " Currency card” or “Premium currency card”. The annual rate for ruble investments is in the range of 5.9–7.9%, for dollar investments - from 1.4% to 4%. For deposits in euro, the rate is determined at the level of 0.1-0.8%, in British pounds - from 0.4% to 1.6%.
- Contribution "Currency refillable" four types of currencies are also accepted. The minimum amount, also known as the minimum balance, is 5,000 rubles, 100 $/€/£. Savings are accepted by the bank for 365 days. Additional contributions can be made in an unlimited amount. It is also allowed to collect funds from the deposit, however, the minimum balance fixed by the bank must remain on the account. The percentage, depending on the type of currency, is determined in the following intervals:
- for rubles from 4% to 7.5%;
- $: from 1.2% to 3.2%;
- €: 0,1 1,30%;
- £: 0.4 -1.40%.
BCS Bank is investment-oriented. Deposit products are only one of the bank's offers for individuals, but very attractive. The proposals developed by the PKU make it possible to "preserve and increase" personal savings. You don't have to worry about the reliability of the bank, BCS has high ratings, last year's profit and participation in the DIA.
Bank BCS was established in 1989. Until 1991, it functioned as the Iskitim commercial Bank, and after this moment financial enterprise was named Ros. The institution was introduced as a BCS bank in 2007. Two years earlier, the organization had succeeded in gaining membership in state system deposit insurance. BCS offers a wide range of products to private and to corporative clients. The institution is highly active in the market valuable papers and conversion operations. Deposits play very important role for BCS Bank, because they are the main source of funding.The deposit line includes several different programs. Deposits for individuals allow customers to earn good interest. Profits are paid monthly or at the end due date. The procedure for making payments is prescribed in the cooperation agreement. At the end of the term of the deposit, an extension can be carried out. This procedure is carried out automatically or after the consent of the bank client. Further cooperation in most cases takes place on the same terms.
Interest on deposits for multi-currency programs will be somewhat lower. However, depositors' funds are reliably protected from exchange rate fluctuations. In the event of a significant decrease in the value of one currency, a conversion can be made. Most favorable rates on deposits are typical for term deposit programs, the terms of which do not provide for the conduct of income and expenditure operations.
Bank contacts
On the map
Bank branch ATM Several nearby objects
Bank news
06.06.19 | Perekrestok and BCS Bank to issue digital card installments |
10.04.18 | MarketOverview: There are difficulties in the work of online banks of BCS Bank, Raiffeisenbank and Alfadirect broker. At the same time, the BCS-Broker application is working normally. |
18.06.17 | gold Crown- Online currency exchange: favorable exchange rate or not? At the time of observation, the Golden Crown rate overtook Alfa Click, the Otkritie Internet Bank, the Corn currency wallet, the BCS Bank currency reservation service, and even Alfa Forex. The Golden Crown fell short of the exchange rate by 2 kopecks. |
06.08.16 | Currency exchange through BCS Bank Online: Currency purchase rate + 0.21% from the exchange, you can withdraw currency without commission at bank ATMs, free service, the ability to fix the course for three days. Of the minuses - small limits and confusing tariffs. |
Opening a deposit in BCS Premier is an excellent solution for those who want to increase their finances. By issuing such a product, the consumer will be able to receive additional income without much effort. The amount of profit depends on many factors, and most importantly on parameters such as:
Of great importance is the duration of the period of placement of free financial resources. If the consumer withdraws money before the expiration of the contract, he may lose, since the interest in this case will be recalculated downward - based on the current refinancing rate.
The big plus is that it is quite possible to apply for a product online. At the same time, it will be possible to save time on a trip to the bank and standing in queues.
The main advantages of the site
Our portal provides up-to-date information on offers for opening a savings account. Having studied the materials posted here, you can easily select the most suitable option for investing savings.
To get the maximum profit, you need to find a product that will fully meet your needs. To date, deposits are striking in their diversity. They are:
Our visitors can be sure that when choosing a specific investment option on our portal, they are dealing with up-to-date data on interest rates. We monitor the regular updating of the posted information, so with us you are guaranteed to be aware of the latest changes.
We recommend paying attention to such an aspect as the procedure for calculating and paying interest. Some consumers prefer to withdraw small amounts from the account monthly or at the end of the quarter, others are willing to wait to receive the entire income at once.
The main advantage of the site is that all information about current offers is collected here in one place. financial institutions. You do not have to look for the necessary information all over the Internet. Once you have settled on the most suitable option, it will be as easy as shelling pears to go to the site of a potential partner - via a direct link.
Here you will find answers to the following questions:
Our visitors have access to special offers from our partners. Users from anywhere in the country can apply through the site online to leading banks, regardless of their location. All offers displayed on this page are the best or profitable only in the opinion of Banki.ru experts.
