Binbank to learn about their deposits. Binbank

In 2019, Binbank merged with Otkritie Bank. They now have a common line of deposits. Individuals, including pensioners, can make deposits with the united bank on favorable terms at a rate of up to 7.4 percent in rubles and 2.3 percent in dollars.

In this review, we will consider which bank deposit is the most profitable today.

Binbank + Opening = consolidation

And it's not a joke. Binbank and Otkritie Bank merged in 2019. Now they work under the same name - "". But not only the sign on the former offices of Binbank has changed. A lot more has changed. And, according to bankers, for the better.

What did Binbank depositors get from the merger with Otkritie?

First of all, contacting the bank should become easier and more convenient for them. Since the networks of offices of Binbank and Otkritie Bank have merged, there are more branches where customers can come. Today, the offices of the united bank operate not only in Moscow and St. Petersburg, but also in more than 250 cities of Russia. Each Binbank client can apply to any of the 950 branches and use any of the 6,000 ATMs of the united bank Otkritie.

In addition, the line of deposits has changed individuals, including pensioners.

Previously issued deposits in Binbank will continue to operate on the same terms. They don't need to be reformatted. All money of Binbank depositors is still protected by the state within statutory sum insured - 1.4 million rubles. But today it is no longer possible to open a deposit from the Binbank line, for example, the Magnificent Seven.

Below are the deposits that today can be issued at the bank, which was obtained from the merger of Binbank and Otkritie.

Deposits of Otkritie Bank (Binbank) for today: conditions and interest

Let's consider what deposits for individuals, including pensioners, can be issued in 2019 in the united bank. To choose the most profitable among them, let's compare the current interest rates and terms of deposits.

Deposit "Reliable"

This is a deposit for individuals with an increased rate and the possibility of interest capitalization. It is opened in rubles both in branches and in mobile and Internet banking.

Terms

• Term: 91, 181, 367, 730 days;
• Amount: from 50,000 rubles;
• Interest payment: monthly with capitalization or to a separate account;
• Conditions for early termination: at the rate "On Demand".

Interest rates

In Russian rubles

(with capitalization / without capitalization)

Deposit "Basic Income"

This is a classic deposit of individuals with high yield and limited ability to manage funds. Monthly capitalization or interest payment is provided in a way convenient for you: to a current account, to a “demand” account or to bank card. A deposit can be opened both at any branch of the bank, and independently, via the Internet.

Terms

• Replenishment: not provided;
• Partial withdrawal: not provided;
• Capitalization: provided;
• Interest payment: monthly or at the end of the term.

Interest rates

with capitalization / without capitalization

In rubles

Deposit "Open"

This is a deposit for clients who have concluded insurance contracts under investment products"Cumulative life insurance" (CLI), "Investment life insurance" (ILI), "Trust management" (DU), as well as Trust management for the maintenance of an Individual Investment Account (DU IIS). It can be considered the most profitable for today - the maximum rate in rubles with all extra charges reaches 9% per annum!

Terms

• Deposit term: 91, 181, 367, 730 days;
• Amount: from 50,000 rubles;
• Replenishment: not provided;
• Partial withdrawal: not provided;
• Capitalization: provided;

Interest rates

Interest surcharges

NSZh - Endowment Life Insurance.
ILI - Investment Life Insurance.
DU - Trust Management.
DU K - Trust management for the "Coupon" strategy.
DU IIS - Trust Management for the maintenance of Individual Investment Account.

Deposit "Active replenishment"

This is a deposit of individuals, the terms of which provide for the possibility of replenishment deposit account. Capitalization of interest or their monthly payment is provided.

Terms

• Term: 91, 181, 367, 730 days;
• Amount: from 50,000 rubles / 1,000 dollars or euros;
• Replenishment: provided;
• Partial withdrawal: not provided;
• Capitalization: provided;
• Interest payment: monthly.

Interest rates

in Russian rubles

Free Governance Contribution

This is a deposit of individuals with maximum freedom of management: the possibility of replenishment and partial withdrawal of funds. It can be opened both at any branch of the bank, and independently, via the Internet.

Terms

• Term: 91, 181, 367, 730 days;
• Minimum amount: from 50,000 rubles / 1,000 dollars or euros;
• Replenishment: provided;
• Partial withdrawal: provided;
• Capitalization: provided;
• Interest payment: monthly.

Interest rates

with capitalization / without capitalization

in Russian rubles

See also the most profitable deposits Sberbank for pensioners.

Premium deposit

it favorable deposit for customers - owners of cards issued under tariff plans"Premium" and "Optimal", premium cards categories Mastercard World. He has the most high percent among the deposits of Otkritie Bank for individuals.

Terms

• Term: 91, 181, 367, 730 days;
• Amount: from 50,000 rubles;
• Replenishment: not provided;
• Partial withdrawal: not provided;
• Interest payment: at the end of the term.

Interest rates

Income account "My piggy bank"

A profitable (accumulative) account that can be replenished or withdrawn from it without any restrictions on the amount or term. You can open an account at a bank branch, as well as via the Internet or in a mobile application.

Terms

• Currency: rubles, dollars, euros;
• Term: unlimited;
• Minimum amount: not set;
• Replenishment: provided;
• Partial withdrawal: provided;
• Capitalization: provided;
• Interest payment: monthly.

Interest rates

Bank account Opening "Cumulative"

At first glance, this is a classic savings account, in which the interest rate increases as your money is in the bank. But in fact, everything is not so simple. There are a number of features that you need to understand before you draw it up.

Interest on the account is calculated on the amount of each replenishment.

For example, you put 100,000 rubles into your account. In the first 2 months, you will be subject to a rate of 4% per annum. Further, it will gradually grow - depending on the period of storage of money in the account. The maximum possible rate is 9% per annum.

You can deposit or withdraw money from your account at any time and without restrictions

For each new replenishment, the rate will be calculated anew - starting from 4% per annum.

When withdrawing money from the account, the amount of the last replenishment is reduced, on which the minimum percentage is charged

Your savings that are placed the longest and bring highest income, will remain unchanged.

Interest rate

The conditions for raising money are as follows

Terms

• Term: indefinitely;
• Amount: no limits;
• Replenishment: no restrictions;
• Partial withdrawal: no restrictions;
• Interest payment: monthly and at the end of the term.

How to make a profitable deposit

A deposit can be opened both in any branch of Otkritie Bank (Binbank), and independently, through the Internet bank.

Bank specialists will advise you on any issue on free phone: 8 800 500-20-01.

Contacts for information

Specify the terms and interest rates of deposits of individuals on the official website www.open.ru.

Phones:

8 800 200-50-75,

8 800 500-20-01 (specialists will advise you on any issue),

8 800 700-78-77 (free call within Russia),

7 495 787-78-77 (phone in Moscow).

PJSC Bank FC Otkritie. General license Bank of Russia No. 2209.

The information is provided for informational purposes and is not a public offer.

It cannot be said that Binbank Digital is one of the largest Russian financial organizations.

This bank manages to successfully combine the application modern technologies looking for an individual approach to their clients.

Also, customers are offered modern options for solving various problems.

Binbank Digital was the first to use one-time SMS passwords that help protect customer accounts.

They also released a lot of mini-terminals and implemented an entrance to online banking using a QR code. In addition, he has created various financial mobile applications.

The main shareholder of Binbank Digital is one of the public joint-stock companies Binbank. This is one of the major federal banks, which for more than twenty years has shown a stable dynamic of the active development of such a business.

Also among the main shareholders of Binbank is Shishkhanov Mikail Osmanovich and Gutseriev Mikhail Safarbekovich. The size of their total share of ownership is equal to ninety-six percent of the total bank shares.

Important! Binbank is the largest credit organisation country, which ranks twelfth in terms of the total assets of Russian banks. The rating given by the international rating agency confirms that Bin Bank is a reliable and stable bank.

In Binbank, a client can receive various deposits.

The far-sighted deposit

So, thanks to the "Forward-looking" deposit, the client can receive a deposit for seven hundred and thirty days.

Also, the user, if necessary, can cancel the payment ahead of schedule. Interest can only be received at the end of the term.

The main advantage of the “profitable” deposit is the possibility of placing Money for one month. The user can replenish deposits and withdraw previously received funds.

You can also automatically renew your deposit. If desired, you can receive interest, both monthly and at the end.

Important! Multi-currency deposit allows you to open deposits for six months. Also, users are offered replenishment and automatic prolongation.

Conditions for deposits in Binbank

The Magnificent Seven Deposit

Capitalization occurs daily. At the same time, there are no special conditions and special contributions.

Replenishment of the account is possible, but there are some restrictions. So the replenishment period ends one month before the end of the deposit period.

If necessary, you can partially withdraw money. In this case, the amount of the minimum balance of deposits for the year is ten thousand rubles.

With deposits for one hundred and eighty-one days, this amount will be three million rubles or fifty thousand euros.

It is impossible not to mention such a type of contribution as "Investment in the Future". Maximum amount, for which such a contribution can be made is one hundred and fifty thousand rubles.

The rate is nine percent. Maximum term, for which you can take such a loan, is one hundred eighty-one days.

Separately, it is worth mentioning the conditions for such a contribution. It opens no later than three working days from the moment the client has purchased an insurance policy that provides investment insurance life. At the same time, it is impossible partial withdrawal of money.

Important! It is possible to automatically extend the contract, while it switches to the “profitable” deposit without any options for the required period.

Binbank deposits for individuals

1. Separately, it is worth mentioning the deposits of Binbank, which are offered for individuals. So, one of the most popular deposits for individuals is the “Multicurrency” deposit.

It can be taken in rubles, and in dollars, and in euros. Among its main advantages, it is worth highlighting the possibility of automatic prolongation.

2. Also popular is such a contribution as "Monthly income".

It can be obtained both in rubles and in dollars and euros. The maximum period for which such a loan can be taken is thirty-one days. Early withdrawal of such a loan can only be partially. Also, the period can be automatically extended.

3. It is impossible not to say about a loan like a savings account "Piggy Bank". Such a loan can only be taken in rubles.

The interest rate on such a loan is six and a half percent. Also, the user can prematurely withdraw such a contribution in part.

In addition, you can withdraw such a contribution in full ahead of schedule.

Important! With the savings account "Piggy Bank", the user can receive monthly interest on his current account.

Also, if desired, he can use the bonus automatic prolongation. If necessary, you can replenish the deposit.

Documents for opening a deposit

Separately, it is worth mentioning the documents that are necessary to open such a deposit.

To do this, the user must provide the bank employee with one of the documents that confirms his identity.

So, citizens of Russia can provide the following documents:

• Passport of a citizen of the Russian Federation;
• A certificate issued by a military unit;
• Residents working in Russian maritime transport can provide a sailors' passport;
• To carry out operations on open deposits, a valid passport must be provided.

Foreign citizens must provide a passport of their state, and stateless persons must provide a residence permit.

Important! It is worth paying attention to the fact that if you change your passport data, you need to inform the bank employees about it. It is necessary to fill out a written application at the bank branch where one of the deposits is opened.

It is necessary that the user submits to the bank a certificate from the internal affairs bodies, which confirms the exchange of the passport.

Alternatively, he can show a mark in the new document about the old passport data. It is also worth informing in advance about the change of surname.

Deposit and interest rate calculator

Find out information about interest rates the user can by going to the official website of Binbank. It is on this resource that the user can obtain up-to-date information on a credit card.

To get acquainted with the necessary information on loans and deposits, the user must select the option: "individuals: deposits" and familiarize himself with the existing conditions.

Such information is available to all individuals. However, in order to make necessary operations the user needs to log in Personal Area. Before that, you need to register.

Also, by going to the official website, the user can see credit calculator. To calculate the sum deposit interest, you need to make an appropriate request in the search tab or click "calculation of deposits".

A similar action can be performed under any products for an individual.

Important! In this form, be sure to fill in all the proposed conditions and proceed to the calculations. After performing these actions, the system will report on the preconditions for the issued loan. If the user is interested, he can proceed to the design of this product.

Reviews

To find out if Bin Bank is really that good, you should read the user reviews. So, here are some of them.

Vladimir.
Once again I am convinced that the best option– Bin Bank. After all, here, if necessary, you can repay the deposit ahead of schedule. I was also pleased that this bank has friendly employees who are happy to help the client and, if necessary, explain the incomprehensible.

Elena.
Often you have to make deposits. During this time, I managed to make sure that the best way to do this is in Bin Bank. Among the advantages of this bank, I can highlight the pleasant staff who are always happy to help, as well as the fact that in order to receive a loan or to make a deposit, you just need to present your passport.

Evgeniy.
When I needed to make a deposit, I consulted with friends who work in the bank. They recommended Bean Bank. I was not disappointed in my choice, as the bank offers customers various options deposits, as well as quickly transferring money to the account.

Tatiana.
Recently there was a need to make a contribution. To do this, I decided to choose Bin Bank and was satisfied with my choice. Most of all, I was pleased that friendly and competent employees work here, and the client can also choose suitable option contribution.
So, Bin Bank is very popular with customers, as here customers are offered deposits with optimal conditions.

Attention! This site does not violate the federal law dated July 27, 2006 N 152-FZ "On Personal Data". The site does not collect personal data of users. All information provided is provided for informational purposes only.