Rosselkhozbank profitable deposits for pensioners. Rosselkhozbank - deposits for pensioners, requirements for depositors, conditions for deposits and interest rates

Rosselkhozbank deposits to pensioners today: high interest rates

Rosselkhozbank has a whole line of products for pensioners, which today includes individual deposits on favorable terms and bank cards, as well as loan offers at relatively low interest rates.

Deposits for pensioners in Rosselkhozbank are opened upon presentation of a pension certificate or a document from the Pension Fund of the Russian Federation on the establishment and / or assignment of an insurance pension. In special cases, it is also possible to open a deposit by providing a court document on the appointment of a monthly life allowance, if any. But you can do without a pension certificate, especially since the Pension Fund stopped issuing them, replacing them with certificates.

The provision of a document from the Pension Fund of the Russian Federation is not required if the depositor has reached retirement age: for women 55 years old, for men 60 years old, and also if no more than 2 months are left before these years.

Elderly people can also apply for a Rosselkhozbank pension card, which allows them to receive additional income in the form of interest accrued on their account balance.

Perhaps this is the main information that may be of interest to a pensioner who decides to open a deposit in Rosselkhozbank. And now let's move on to the actual interest rates and conditions.

Rosselkhozbank: deposits for pensioners 2019 at favorable interest rates

Elderly people today can open any deposits of individuals of the Russian Agricultural Bank in rubles, US dollars with favorable rates and conditions, and we will begin our review with special pension deposits.

1.The contribution of the Russian Agricultural Bank "Pension income"

This deposit is opened only upon presentation of a pension certificate. Its main distinguishing feature is the possibility of replenishment. Additional contributions are accepted throughout the term. This is a plus. But debit transactions with the preservation of the interest rate are not allowed by the conditions. This is a clear minus.

Of course, if you suddenly need all your savings, then you can terminate the contract with the bank ahead of schedule at any time and withdraw the money. But it is advisable to do this only as a last resort. After all, in case of early demand of the deposit, interest is paid at the rate “On demand”.

So, take the money after the expiration date. And if you forget to do this, the deposit agreement will be automatically extended for the same period.

By the way, if you have a deposit of more than 50,000 rubles, you will be issued a free card with the Amur Tiger - card for deposit tariff plan.

Terms

Term - 395, 540 and 730 days
The amount is from 500 to 2 million rubles.
Replenishment of the deposit is provided.

Interest rate of the "Pension income" deposit

395 days	540 days	730 days

2.Deposit of Rosselkhozbank "Pension Plus"

This is a pension deposit with the possibility of replenishment, as well as partial withdrawal of money without loss of interest. It is very comfortable. The main thing is to make sure that at least 500 rubles remain on the account. But such freedom of handling money also has its drawbacks - not a very favorable interest rate. So you have to choose - either the ability to withdraw money at any time or high interest rates.

Another feature is the monthly capitalization, which allows you to increase income by increasing the amount of money invested. The possibility of withdrawing interest is not provided separately, since you can already withdraw part of the money, at least once a month, at least every day.

But remember that in case of early withdrawal of all money, interest is paid at the minimum rate "On Demand". So it’s better not to do this, but to leave a minimum balance on the account - 500 rubles.

Terms

Term - 395, 730, 1095 days.

Amount - from 500 rubles to 10 million rubles

Replenishment - provided

Minimum amount of additional contribution: 1 ruble

Debit transactions with the preservation of the interest rate are provided subject to the maintenance of a minimum balance of 500 rubles.

Interest rate of the "Pension Plus" deposit

395 days	730 days	1095 days

Deposits of individuals of Rosselkhozbank today: rates and conditions

Pensioners can open in Rosselkhozbank not only special deposits for the elderly, but also other deposits of individuals, which today may turn out to be even more convenient and profitable.

1.Deposit of Rosselkhozbank "Profitable"

This deposit involves receiving a high percentage even with a small amount of money. Can be opened through remote service channels. If you have an account from 50,000 rubles, a free card is issued with the Amur Tiger - card for deposit tariff plan.

Terms

Amount: from 3,000 Russian rubles / 50 US dollars / 50 euros;
Term: from 31 to 1460 days;
Replenishment: not provided;
Expenditure operations: not provided;
Interest payment at choice: at the end of the term or monthly, to the account or capitalization.

Interest rate

2.Deposit "Reliable Future"

Opening this deposit is possible with the simultaneous acquisition of an investment life insurance (ILS) policy by one of the insurance companies - partners of the bank. The amount of the ILI policy must be equal to the down payment on the deposit.

Terms

Minimum amount: 50,000 rubles
Term: 180 and 395
Replenishment: not provided;
Partial withdrawal without loss of interest: not provided;
Interest payment: at the end of the term.

Interest rates

Amount/ Term

See also what interest on deposits VTB Bank gives today >>

3.Deposit of the Russian Agricultural Bank "Investment"

Rosselkhozbank's deposit for individuals "Investment" provides an opportunity for clients, including pensioners, to receive income both from the money placed on deposit, and through investments in mutual funds. When opening a deposit, a free card is issued with the tariff plan "Amur Tiger - card for deposit".

Terms

Term: 180 and 395 days;
Minimum amount: 50,000 rubles / 1,000 US dollars;
Replenishment of the deposit - not provided;
Debit transactions with preservation of interest are not provided;
Interest is paid at the end of the term.

Interest rates

up to 3.00% per annum in US dollars.

See also 10 profitable deposits in reliable banks of Russia - an overview >>

4.Deposit of the Russian Agricultural Bank "Amur Tiger"

This is a standard term deposit of individuals from the Russian Agricultural Bank with a monthly interest payment on a card with the Amur Tiger - card to deposit tariff plan.

Terms

The term is 395, 540 and 730 days.
The amount is from 50 thousand rubles.
Replenishment of the deposit is not provided.
Debit transactions with the preservation of the interest rate are not provided.
Payment of interest monthly to the account of the card with the tariff plan "Amur tiger - card to deposit".

Interest rate

Replenished deposits of Rosselkhozbank

Pensioners can arrange deposits of individuals with the possibility of replenishing the account in Rosselkhozbank. Their interest rates are somewhat lower, but you can save money by saving them to an account in a reliable bank.

5.Deposit of the Russian Agricultural Bank "Replenished"

The deposit of individuals of Rosselkhozbank is suitable for pensioners who want to accumulate funds for a specific event or date. It can be opened through remote service channels (in this case, the interest rate on the deposit will be higher). If there is a deposit of more than 50,000 rubles, a free card is issued with the Amur Tiger - card for deposit tariff plan.

Terms

Term - from 91 to 1095 days
The minimum amount is from 3 thousand rubles / 50 US dollars or euros.
Replenishment is provided.
The minimum amount of an additional contribution is 3,000 Russian rubles / 50 US dollars or euros.
When the deposit amount moves to the next sum category (as a result of accrual of interest or replenishment), the interest rate on the deposit increases.
Debit transactions with the preservation of the interest rate - not provided
Interest payment monthly: to the account or capitalization

Interest rate

See also the most profitable replenished deposits today - overview >>

6.Deposit of the Russian Agricultural Bank "Save up for a dream"

This deposit of individuals from Rosselkhozbank with preferential early termination will be of particular interest to pensioners who plan to purchase real estate or a car on credit. If 90 percent of the deposit amount is directed to the down payment on a mortgage or a car loan issued in the Russian Agricultural Bank, then if the deposit is demanded ahead of schedule, interest is not lost.

If there is a deposit of more than 50,000 rubles, a free card is issued with the Amur Tiger - card for deposit tariff plan.

Terms

The term of the deposit is 730 days.
The minimum amount is 3,000 Russian rubles / 100 US dollars or euros.
Replenishment is provided.
The minimum amount of an additional contribution is 3,000 Russian rubles / 100 US dollars or euros.
Debit transactions with the preservation of the interest rate are not provided.
Interest payment: monthly capitalization.

Interest rate

Deposit of the Russian Agricultural Bank with partial withdrawal of funds without loss of interest

This deposit for individuals may be of particular interest to pensioners, since it allows you to freely manage money in a bank account: replenish the deposit and withdraw money, if necessary, without loss of profitability. In this way, it is similar to the Pension Plus deposit, but it has its own characteristics.

7.Deposit of Rosselkhozbank "Comfortable"

The Rosselkhozbank deposit can be useful for pensioners who are used to planning their expenses. Can be opened via Internet Banking and Mobile Banking. If there is a deposit of more than 50,000 rubles, a free card is issued with the Amur Tiger - card for deposit tariff plan.

Terms

The term is from 91 to 730 days.
The minimum amount is RUB 10,000 / USD 150 or EUR.
Replenishment - provided no later than 30 calendar days before the end of the deposit term.
The minimum amount of an additional contribution is 5,000 Russian rubles / 100 US dollars or euros.
Debit transactions with the preservation of the interest rate are provided subject to the preservation of the minimum balance.
Interest payment monthly: to the account or capitalization.

Interest rate

Savings account deposit

This is a new financial product that is becoming more and more popular among the Russian population. This is a kind of electronic wallet. It can be replenished, you can withdraw money up to 0, but it will still be valid, and indefinitely. Until you close.

The peculiarity of the savings account in the RSHB is that the accrual of interest is carried out daily on the balance of funds on the account as of the beginning of the business day. Here is the interest payment monthly on the last working day of the month by crediting the amount of interest due to the account.

Interest rates

Rosselkhozbank deposit calculator for pensioners 2019: calculate income

The online deposit calculator of the Russian Agricultural Bank 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.

Conclusions: what is the most profitable contribution of Rosselkhozbank for pensioners

On this page, correspondents of the Business Information Agency TOP-RF.ru reviewed the deposit programs of the Russian Agricultural Bank for pensioners and ordinary individuals. Which one is the most profitable?

If we consider only special offers for pensioners, then the choice is not great. Remember, there are only two. But both of them provide for replenishment of the account, which is why the interest rate is not very high.

If you need the maximum percentage, then it is better to open not a pension deposit, but a regular one, for example, “Profitable”. Of course, it will not work to replenish the account and partially withdraw money without losing income, but the percentage is very profitable. In addition, you can choose the appropriate term and method of paying interest.

About bank

Rosselkhozbank (RSHB) is one of the leading players in the domestic financial market of the Russian Federation. Despite the fact that the company specializes in lending to small and medium-sized businesses, in the list of services of the organization you can find many interesting and profitable programs for individuals. As well as several products designed for clients of various social categories (pensioners, farmers with private household plots, etc.). In Rosselkhozbank JSC, deposits for pensioners in 2018 can be issued without providing certificates from the PFR in just 10-15 minutes. It is enough to have a passport and a pension certificate with you.

In Rosselkhozbank, you can not only take a loan, but also increase your savings with a deposit. Pensioners have access to special conditions with higher interest rates. At the same time, no one forbids older people to use other programs if they seem more suitable.

All interest-bearing deposits for pensioners in Rosselkhozbank are insured by the DIA (Federal Deposit Insurance Agency) for the maximum possible amount - 1,400,000 rubles.

Today, bank services are available only to individuals - citizens of the Russian Federation. This also applies to pensioners. It is important that the age of the applicant be at least 55 years for women and 60 years for men. The client can transfer the management of his savings under a notarized power of attorney or bequeath the money to a third party, if this does not violate the requirements of Russian law.

In addition, Rosselkhozbank can open a pension deposit in the name of a minor citizen. But for this, it is necessary to provide documents from the FIU with confirmation of the fact of accrual of an insurance pension. Or a copy of the court decision, which will determine the monthly amount transferred from the municipal or federal budget for the maintenance of the depositor.

Deposits for individuals in Rosselkhozbank

For 2018, interest rates at the Russian Agricultural Bank on deposits for pensioners vary between 4–7%. Yields on other programs can be either higher or lower than these values. It all depends on the amount and term of the deposit. Therefore, before drawing up and signing documents, consult with a bank employee. He may be able to offer you better terms.

"Retirement Income"

Special deposit for clients aged 55–60. The main advantage is the ability to replenish without reference to a specific date. You can deposit funds to your account in any amount and at any time. Annual rate - up to 5.9%, currency - rubles.

The deposit can be opened for a period of 395, 540 and 730 days. Interest is paid monthly. They can either be added to the principal amount or transferred to a separate account. The minimum contribution is 500 rubles, the maximum is 2 million rubles. It is not possible to withdraw money without losing interest.

Interest rates on the "Pension income" deposit effective from 03/22/2018

"Pension Plus"

The "Pension Plus" deposit in Rosselkhozbank can also be replenished at any time convenient for the client. According to the terms, it is issued for 395 or 730 days, the interest rate is fixed at 5.9%. It can be issued by persons over 55-60 years old after presenting a passport and a pension certificate.

The minimum size, as in the previous case, is 500 rubles. But the maximum is 10 million. Interest is accrued monthly and automatically capitalized, so it will not be possible to withdraw it. The advantage is that it is possible to make debit transactions without loss of income.

Interest rates on the "Pension Plus" deposit effective from 03/22/2018

"Profitable"

The contribution of the Russian Agricultural Bank for 2018 for pensioners and other individuals. You can open both in rubles and in dollars. Term - from 31 to 1460 days. Annual rate - from 5.90% to 6.70%. A deposit is made not only at the branch, but also through a personal account on the website of a banking organization. The latter option will allow you to get a better rate.

At least 3,000 rubles ($50) are transferred as a down payment. Interest is paid monthly or on the last day of keeping the funds. Replenishment and withdrawal is not allowed, the maximum amount of the deposit is not limited by the terms of the agreement.

Conditions for opening a "Profitable" deposit via the Internet with payment of interest at the end of the term

"Golden Premium"

Allows you to receive from 6.00% to 6.75% of annual income. The minimum contribution is 1.5 million rubles. or $50,000. No deposit or withdrawal is provided, the maximum amount is not limited. Extended only after the signing of a new agreement. Interest may be charged:

at the end of the contract;
monthly with capitalization;
monthly on a separate card.

An exclusive offer for individuals - regular customers of the bank, owners of the "Premium" or "Ultra" service package.

"Refillable"

For those who want to financially prepare for an important event. The interest on deposits in the Russian Agricultural Bank for pensioners is fixed at the level of 4.70% to 5.85%. You can transfer to the bank for storage from 3000 rubles. ($50). The deposit is opened in rubles and US dollars.

Interest for the past period is capitalized or transferred to the account. The owner has the right to replenish the deposit, but not later than 30 days before the expiration date of the agreement. The maximum amount is 10 million rubles. The rate may increase over time as a result of accumulation and replenishment of the deposit!

"Save for a Dream"

A profitable deposit for pensioners in Rosselkhozbank who want to save up to buy a car or residential property. Opens in rubles or US dollars at 4.90% for 730 days. The minimum amount of the first installment is 3000 rubles or $100.

Deposit holders can freely replenish it. Interest is accrued monthly, payment of money to the card or partial withdrawal is not possible. In case of early closing and presentation of a mortgage agreement or similar documents, funds are issued to the depositor without penalties.

"Comfortable"

An offer for Rosselkhozbank customers who are used to planning their expenses. The main feature is the minimum balance, the size of which is determined by the owner of the deposit. The annual rate varies from 4.15% to 4.35%. The duration of the agreement is from 91 to 1095 days.

The minimum amount to open is 10,000 rubles. or $300. You can replenish the deposit with at least 5000 r. ($100). The maximum size is 10 million rubles. ($300,000).

What is the best investment for a pensioner?

After analyzing all the advantages and disadvantages of the RSHB savings programs, we come to the conclusion:

The most profitable deposit for pensioners at the moment is “Profitable”. When registering this program for a period of 3-4 years, the investor will receive up to 6.70% per annum, taking into account the fact that interest will be paid at the end of the term. Withdrawing and depositing money will not work.
The most convenient deposit product with the possibility of depositing and withdrawing funds is the Pension Plus deposit with an interest rate of 5.90% per annum.

To familiarize yourself with all the proposals for placing funds in the Russian Agricultural Bank for individuals, including pensioners, we suggest studying.

How to make a deposit at a favorable interest?

The conditions for deposits for pensioners in Rosselkhozbank are among the most favorable in 2018. At the same time, for registration, you only need to provide a passport and a pension certificate. In some cases, the bank manager may ask for additional documents, but this is not a common practice. You can open a deposit in one of three ways:

at the RSHB. Money is transferred to the bank from an account belonging to the depositor or deposited in cash through the cash desk.
Through a virtual personal account. To do this, you need to go to the official website of the Russian Agricultural Bank, log in to the system and select the appropriate deposit. This method is suitable only for those individuals who are already customers of the bank and have at least one valid card.
Through an ATM. In this case, the cash receipt issued by the device after the completion of the operation serves as proof of the opening of the deposit.

For those who open a deposit remotely, an increased interest rate is provided!

conclusions

In Rosselkhozbank JSC, deposits for pensioners in 2018 are processed after presenting a passport and a pension certificate. Interest rates vary depending on the amount, validity period and method of opening. Those. the most loyal offer will be received by regular customers of the bank, who can use the remote personal account to make a deposit. According to the editors, the most favorable conditions are offered by the Profitable and Pension Plus programs.

Many of our fellow citizens in the current 2019 have taken care of the issue of finding a profitable deposit to save their savings, and the older generation was no exception. In this article you will find a description of the current programs of the Russian Agricultural Bank for pensioners, their main conditions and interest.

general information

This banking organization is very popular among the population of our country, especially among the elderly. The reason for this is the reliability of the company, which is supported by extensive experience and state support (all 100% of the shares belong to the state).

The bank is relatively young, it was formed in 2000 to provide financial services to the agro-industry and rural areas, and since then it has been annually among the largest and most stable companies in Russia in terms of assets and capital.

An important plus is also the fact that the bank participates in the deposit insurance system, which means that your savings in the amount of up to 1.4 million rubles will be reliably protected and guaranteed by the state. How exactly the DIA works is described in detail in this article.

This banking institution has a variety of loans, debit and credit cards, as well as deposit programs, which differ in their conditions. According to many of them, there will be all sorts of benefits for people of retirement age that will make the existing products even more profitable for investors.

Current deposits

To date, for pensioners (if they have an appropriate certificate), the following offers will be the most beneficial:

"Profitable" - opens when you deposit an amount of 3 thousand rubles for a period of 31 to 1460 days. The interest rate can be up to 8.45%, when opening via the Internet, the maximum rate will be increased. There is no possibility of replenishment or spending of funds, interest is paid either monthly or at the end of the term with capitalization;
A Secure Future is a new offering worth paying attention to. This is a complex product that combines the profitability of the deposit, as well as the life insurance protection of the depositor. Contributions from 50,000 rubles are accepted for 180 days, or for 395 days at a rate of up to 8.65%. Payment of income at the end of the term, without prolongation and additional services;
"Investment" - a new proposal, which involves investing part of the funds directly into a deposit account and part in mutual funds of the Russian Agricultural Bank. The minimum amount is from 50 thousand, the product is valid for 180 or 395 days, you can get 8.85% per year. You can open a deposit in US dollars, while the yield will be 1.45 or 1.5% per annum. Payments are made at the end of the term, without additional functions;
Retirement Income is a new program designed for older people. The deposit is issued for a period of 395 to 730 days. at the choice of the depositor, you will need to deposit at least 500 rubles with the possibility of further. Profitability is offered in the amount of up to 6.65% with monthly accrual and capitalization;
"Pension Plus" - to open it, you must present a pension certificate or other document confirming the receipt of pension payments. It opens for a period of 365 or 730 days, while the interest rate is up to 6.85%. The minimum required amount to open is 500 rubles. Replenishment (from 1 ruble) and monthly interest capitalization are provided;
"Amur Tiger" is a special deposit, where accrued interest is monthly transferred to a free debit card with the "Amur Tiger" tariff plan. You can choose the period of validity of the contract 395, 540 and 730 days, you need to invest at least 50.0000 rubles, the rate varies from 7.25% to 6.60% per annum;
"Refillable" - opens when making the same contribution, but here the validity period is from 91 to 1095 days. The interest will be up to 6.5% per year, it is possible to replenish the deposit in the amount of at least 3 thousand rubles. Interest is paid monthly or at the end of the term with capitalization;
"Comfortable" - for registration, an amount of 10 thousand rubles or more is required, the placement period is from 91 to 1095 days. Yield up to 6.4% per annum, it is possible to replenish the account and cash to a minimum balance.

Please note that the last 3 programs are available for opening remotely, i.e. through the Personal Account online. This opportunity is available only to existing bank customers who have previously registered in the RSHB Internet banking system. Benefits include higher interest rates.

How can a pensioner open a deposit in Rosselkhozbank?

In order to use the most profitable deposit products, you will need to present your pension certificate and your passport to the teller when opening it at the branch. In some cases, also processing when providing a court document on the appointment of a monthly life allowance, if you have one.

The provision of a special document from the FIU is not required if the potential client has already reached retirement age: for women it is 55 years old, and for men - 60 years old, as well as in a situation where no more than 2 years are left before the old-age pension. x months.

Rosselkhozbank in 2019 updated the conditions for deposits of individuals for pensioners. Today, savings can be invested at 6.55 percent per annum in rubles. Let's compare which of the RSHB pension deposits is the most profitable today.

Rosselkhozbank today offers the population of Russia a number of deposits for individuals, including pensioners, for a period of 1 month to 4 years in rubles, US dollars and euros. The most popular among investors deservedly enjoy such of them as:

"Profitable" - RUR up to 8.50%, USD up to 2.65%, EUR up to 0.45%;

"Replenished" - RUR up to 6.55%, USD up to 2.15%, EUR up to 0.30%;

"Comfortable" - RUR up to 6.05%, USD up to 1.85%, EUR up to 0.20%.

In principle, pensioners can draw up any of the deposits that are currently in the Russian Agricultural Bank. Their detailed conditions and interest rates can be viewed.

But the RSHB line also includes special savings products for pension recipients.

There are only two of them:

"Retirement income";
"Pension Plus".

They can be issued in the name of the depositor, including for a minor child, only by presenting a document confirming the establishment of a pension. And if you have already reached retirement age, and also when no more than 2 months are left before the old-age pension, then the provision of the corresponding document from the Pension Fund of the Russian Federation is not required.

Rosselkhozbank pension deposits today

In this review, the correspondents of the site 10Banks will talk about the conditions and interest rates of special deposits of individuals, which are currently offered by Rosselkhozbank for pensioners. Each of you can easily compare them to choose the most profitable one.

Deposit of the Russian Agricultural Bank "Retirement Income"

One of the advantages of the “Pension income” deposit is the choice of the method of interest payment provided to the client: monthly capitalization or transfer of interest to another account in the RSHB.

Another advantage is the possibility of replenishment, and the minimum amount of an additional contribution is only 1 ruble. But the disadvantage can be considered the inability to partially withdraw money without loss of profitability.

When opening a deposit of Rosselkhozbank "Pension Income" in the amount of 50,000 rubles or more, you can get a free debit card of the tariff plan "Amur Tiger - Card to Deposit". Additional income is accrued monthly on the balance of funds on this debit card.

(+) Plus: it is possible to replenish the account, choose the method of paying interest.

(-) Minus: there is no possibility of partial withdrawal of money without loss of interest.

Terms

Term: 395, 540 and 730 days.
Amount: from 500 to 2 million rubles.
Deposit replenishment: provided.
Expense transactions with the preservation of the interest rate: not provided.
Interest payment: monthly to the account or capitalization.

Interest rates

395 days	540 days	730 days
6,35%	6,40%	6,50%

Calculate the possible income on the deposit

Deposit of the Russian Agricultural Bank "Pension Plus"

This deposit is also provided only for pensioners. But its conditions are more flexible compared to the previous contribution. You can replenish the account, as well as partially withdraw money without losing interest, if they are suddenly required. It is only important to leave money on deposit in the amount of the minimum balance. Today it is 500 rubles.

If there is a deposit of more than 50,000 rubles, a free card is issued with the Amur Tiger - card for deposit tariff plan.

(+) Plus: it is possible to replenish the account and partially withdraw money without losing interest.

(-) Minus: low interest rate.

Terms

Term: 395, 730, 1095 days.
Amount: from 500 Russian rubles.
Deposit replenishment: provided. The minimum amount of the additional contribution is 1 ruble.
Maximum amount: 10,000,000 rubles.
Debit transactions with the preservation of the interest rate: are allowed provided that the minimum balance of 500 rubles is maintained.
Interest payment: monthly capitalization.

Interest rates

395 days	730 days	1095 days
6,25%	6,35%	6,55%

See what interest on deposits for pensioners today offers

How can a pensioner open a deposit in Rosselkhozbank

In order to make such a contribution to the Russian Agricultural Bank, you must submit a document on the accrual of a pension. But if the age for women is 55 years old, and for men 60 years old, and also when no more than 2 months are left before the onset of the old-age pension, then the provision of a document from the Pension Fund of the Russian Federation is not required.

Today you can open deposits both in offices and via the Internet or Mobile Bank.

Deposits are opened in the name of the depositor, as well as in favor of a third party. The initial contribution to the deposit can be made to the deposit account within 10 calendar days from the date of signing the application for the placement of the deposit.

With a deposit amount of 50,000 rubles or more, the bank, as a rule, offers to issue a free card with the Amur Tiger - card for deposit tariff plan. The client will receive additional income on the balance of the account. And also protect nature, because from each payment transaction for a purchase with a card, the Russian Agricultural Bank will transfer part of its income to the Center for the Study and Conservation of the Amur Tiger Population.

See an overview of bank deposits at the maximum interest

Conclusions: what is the most profitable contribution of Rosselkhozbank for pensioners

In answering this question, let's not focus solely on pension deposits. After all, pensioners can draw up any of the RSHB deposits. And therefore, perhaps, it makes sense to choose the most profitable not only from special pension, but from all savings offers of the bank.

The main advantages of Rosselkhozbank pension deposits are that they allow you to freely dispose of money at a relatively high interest rate.

1. If we compare the so-called expense deposits, such as "Comfortable" and "Pension Plus", then the latter will be more profitable, since it has a higher percentage with equal terms.

2. Also, if we compare the deposits "Replenished" and "Pension income", then again the latter will be more profitable.

3. But if you do not need to replenish the deposit or withdraw money from it, then it is better to pay attention to the bank's standard offers for ordinary individuals. These are the “Profitable”, “Reliable Future” and “Investment” deposits. They have the maximum interest, and, accordingly, are the most profitable for today both for ordinary individuals and for pensioners.

About Rosselkhozbank

Rosselkhozbank was created to finance the villagers and stimulate the development of agriculture. The bank today offers a wide range of services for villagers, lends to farmers, gives money for infrastructure projects in the village.

But today the Russian Agricultural Bank has a wide range of products intended not only for the villagers. For example, Rosselkhozbank offers its customers a range of individual deposits on a variety of favorable terms and conditions at a fairly attractive percentage.

The elderly have become a separate target audience for banks. For them, special offers are being developed for deposits and loans with an increased interest rate for the former and a lower one for the latter.

Deposits for pensioners in Rosselkhozbank is a profitable investment for a long period: from a year to several years.

Tariff "Pension income"

The "Pension income" tariff is one of the most attractive deposits for pensioners in Rosselkhozbank today.

The financial institution will pay high interest even though the possibility of replenishing the account during the entire period of the contract. Terms:

The deposit is opened after making an amount of 500 rubles. There is a limitation: you can only invest up to 2 million rubles.
The interest rate varies depending on the term of the agreement. If it is concluded for 395 days, then the rate is 6.45% per annum, for 540 days - 6.55% per annum, for 730 days - 6.65% per annum.
The deposit is made for men over the age of 60 or for women over the age of 55. It can also be opened for children to whom the FIU pays monthly maintenance insurance benefits (this will require a certificate from the Fund confirming the existence of such payments in favor of the minor).
Interest is accrued every month or at the end of the contract period (at the choice of the client). Also, the investor can choose to transfer income to a linked account or plastic card. A similar option is to leave the funds received from the bank on deposit and capitalize them to the principal amount.
As noted above, you can replenish the deposit at any time (in most financial institutions there is a limit for 1-3 months after opening a deposit). The minimum replenishment amount is 1 rub. The maximum is limited by the established limit: the amount of money in the account should not exceed 2 million rubles.
Partial withdrawal of money or their transfer to other accounts is not provided.
If the pensioner needed to return his money before the expiration of the agreement, then, unfortunately, the expected interest will not be paid to him. They will be recalculated and only 0.01% of the investment amount will be transferred to the client.
If the depositor does not take the money on time, then the contract is extended for the same period and on the terms of the tariff in force at the time of prolongation.

When opening a deposit for pensioners for 2018 at the Russian Agricultural Bank, if an elderly person deposits from 50 thousand rubles, a financial institution gives him an Amur Tiger debit card with an exclusive design.

Tariff "Pension plus"

The Pension Plus tariff is similar in terms of conditions to the Pension Income tariff, however, a financial institution allows you to invest money for even longer periods with an increase in the rate.

The current conditions of the deposit for pensioners in the Russian Agricultural Bank for 2018:

The deposit is opened only in rubles. Foreign currencies for profit are not available.
The minimum investment amount is 500 rubles. There is also a “ceiling”, but unlike the “Pension income”, here it is higher - 10 million rubles.
The deposit is made either for men over 60 years of age, or for women over 55 years of age. Also, grandparents can conclude an agreement in the name of their minor grandchildren, and they will be able, if necessary, to receive money at the nearest branch of the Russian Agricultural Bank.
The interest rate is indexed depending on the term of investment. When concluding an agreement for 395 days, the profit will be 6.45% per year of the amount of investments, for 730 days - 6.65% per annum, for 1095 days - 6.85% per year.
After transferring money to the bank, income will “drop” into the account on a monthly basis and automatically capitalized on the principal amount. Replenishment at the end of the agreement period or transfer of profits to a plastic card or a linked related account is not provided.
You cannot partially withdraw money from a deposit or transfer it to related accounts. Otherwise, the contract will be cancelled.
If the client decides to withdraw the money before the due date, then, alas, he will not be able to count on the income specified in the contract. Profit will be recalculated based on the rate of 0.01% per annum.
If the elderly person did not take the money on time, then the transaction is automatically extended for the same period and on the terms in force at the time of the prolongation.

Under the terms of the tariffs for all deposits for pensioners in the Russian Agricultural Bank in 2018, an Amur Tiger debit card is issued if the client invests in the amount of 50 thousand rubles or more.

Tariff "Reliable future"

On the official website of the Rosselkhozbank bank, there are no more deposits for pensioners, except for the Pension Income and Pension Plus tariffs.

But this does not mean that older people cannot take advantage of the conditions of other deposits.

One of the most favorable tariffs in a financial organization is "Reliable Future". Terms:

the minimum investment amount is 50 thousand rubles, the maximum amount for the deposit is not set;
the interest rate differs for agreements for different periods: if you conclude an agreement for six months, then it is equal to 7.75% per year, and if for 395 days - 8.4% per annum;
the deposit is opened only in the name of the client, it cannot be issued in favor of third parties;
the transaction is concluded only if the client purchases an insurance policy that protects against the risks of a threat to health and life;
income is transferred on the last day of the agreement, there are no options with monthly accrual of profit and capitalization;
the transaction is not automatically renewed, as it depends on the validity period of the insurance policy.