In 2019, Binbank merged with Otkritie Bank. They now have a common line of deposits. Individuals, including pensioners, can place deposits in the united bank for favorable conditions with a rate of up to 9.3 percent in rubles and 3.5% in dollars. In this review we will look at which bank deposit is the most profitable today.
Binbank + Otkritie = merger
And it's not a joke. B&N Bank and Otkritie Bank merged in 2019. Now they work under one name - “Opening”. But not only the sign at the former B&N Bank offices has changed. A lot more has changed. Moreover, according to bankers, for the better.
What did Binbank depositors receive from the merger with Otkritie?
First of all, going to the bank should become easier and more convenient for them. Since the networks of offices of B&N Bank and Otkritie Bank have merged, there are more branches where clients can come. Today, offices of the merged bank operate not only in Moscow and St. Petersburg, but also in more than 250 cities in Russia. Each B&N Bank client can go to any of the 950 branches and use any of the 6,000 ATMs of the united Otkritie bank.
In addition, the line of deposits has changed individuals, including pensioners.
Previously issued deposits with B&N Bank will continue to operate under the same conditions. They do not need to be re-registered. All money of Binbank depositors is still protected by the state within the limits established by law insurance amount - 1.4 million rubles. But today it is no longer possible to open a deposit from the B&N Bank line, for example, “The Magnificent Seven”.
Below are the deposits that can be made today in the bank, which was formed from the merger of B&N Bank and Otkritie..
Deposits of Otkritie Bank (Binbank) for today: conditions and interest
Let's consider what deposits for individuals, including pensioners, can be made in 2019 in the merged bank. To choose the most profitable one, let’s compare the current interest rates and deposit conditions.
Deposit "Open"
This is a deposit for clients who have entered into insurance contracts under investment products“Accumulative life insurance” (CIL), “Investment life insurance” (ILI), “ Trust management» (DM), 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!
Conditions
- Amount: from 50,000 rubles;
Interest rates
Allowances:
from 1.0% to 2.0% for the concluded NJ agreement;
from 0.5% to 1.5% per prisoner investment agreement ISZH, DU or DU IIS.
Deposit "Reliable"
This is a deposit for individuals with an increased rate and the possibility of interest capitalization. Opens in rubles both in branches and in mobile and Internet banking.
Conditions
- Duration: 91, 181, 367, 730 days;
- Amount: from 50,000 rubles;
- Replenishment: not provided;
- Partial withdrawal: not provided;
- Capitalization: provided;
- Interest payment: monthly with capitalization or to a separate account;
- Conditions for early termination: at the “On demand” rate.
Interest rates
In Russian rubles
(with capitalization / without capitalization)
Deposit "Basic income"
This is a classic deposit for individuals with high returns and limited opportunities for managing funds. Provided monthly capitalization or payment of interest in a way convenient for you: to a current account, to a demand account or to bank card. A deposit can be opened either at any bank branch or independently via the Internet.
Conditions
- Deposit term: 91, 181, 367, 730 days;
- 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
In US dollars
In Euro
Deposit “Active replenishment”
This is a deposit of individuals, the terms of which provide for the possibility of replenishing the deposit account. Capitalization of interest or its monthly payment is provided.
Conditions
- Duration: 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
In dollars
In Euro
"Free Control" deposit
This is a deposit of individuals with maximum freedom of management: the ability to replenish and partially withdraw funds. It can be opened either at any bank branch or independently via the Internet.
Conditions
- Duration: 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
In US dollars
In Euro
See also the most profitable deposits Sberbank for pensioners.
Deposit "Premium"
This favorable deposit for clients - holders of cards issued under tariff plans"Premium" and "Optimal" premium cards Mastercard World categories. He has the most high percent among deposits of Otkritie Bank for individuals.
Conditions
- Duration: 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”
An income (savings) 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.
In 2019, Binbank merged with Otkritie Bank. They now have a common line of deposits. Individuals, including pensioners, can place deposits in the united bank on favorable terms with a rate of up to 9.3 percent in rubles and 3.5 percent in dollars. In this review we will look at which bank deposit is the most profitable today.
Binbank + Otkritie = merger
And it's not a joke. B&N Bank and Otkritie Bank merged in 2019. Now they work under one name - “Opening”. But not only the sign at the former B&N Bank offices has changed. A lot more has changed. Moreover, according to bankers, for the better.
What did Binbank depositors receive from the merger with Otkritie?
First of all, going to the bank should become easier and more convenient for them. Since the networks of offices of B&N Bank and Otkritie Bank have merged, there are more branches where clients can come. Today, offices of the merged bank operate not only in Moscow and St. Petersburg, but also in more than 250 cities in Russia. Each B&N Bank client can go to any of the 950 branches and use any of the 6,000 ATMs of the united Otkritie bank.
In addition, the line of deposits of individuals, including pensioners, has changed.
Previously issued deposits with B&N Bank will continue to operate under the same conditions. They do not need to be re-registered. All money of Binbank depositors is still protected by the state within the insurance amount established by law - 1.4 million rubles. But today it is no longer possible to open a deposit from the B&N Bank line, for example, “The Magnificent Seven”.
Below are the deposits that can be made today in the bank, which was formed from the merger of B&N Bank and Otkritie..
Deposits of Otkritie Bank (Binbank) for today: conditions and interest
Let's consider what deposits for individuals, including pensioners, can be made in 2019 in the merged bank. To choose the most profitable one, let’s compare the current interest rates and deposit conditions.
Deposit "Open"
This is a deposit for clients who have entered into insurance contracts for investment products “Accumulative life insurance” (CI), “Investment life insurance” (IL), “Trust management” (MA), as well as Trust management for maintaining an Individual Investment account (MA IIS) . It can be considered the most profitable for today - the maximum rate in rubles with all extra charges reaches 9% per annum!
Conditions
- Amount: from 50,000 rubles;
Interest rates
Allowances:
from 1.0% to 2.0% for the concluded NJ agreement;
from 0.5% to 1.5% for the concluded investment agreement of ILI, DU or DU IIS.
Deposit "Reliable"
This is a deposit for individuals with an increased rate and the possibility of interest capitalization. Opens in rubles both in branches and in mobile and Internet banking.
Conditions
- Duration: 91, 181, 367, 730 days;
- Amount: from 50,000 rubles;
- Replenishment: not provided;
- Partial withdrawal: not provided;
- Capitalization: provided;
- Interest payment: monthly with capitalization or to a separate account;
- Conditions for early termination: at the “On demand” rate.
Interest rates
In Russian rubles
(with capitalization / without capitalization)
Deposit "Basic income"
This is a classic deposit for individuals with high returns and limited opportunities for managing funds. Monthly capitalization or interest payment is provided in a way convenient for you: to a current account, to a demand account or to a bank card. A deposit can be opened either at any bank branch or independently via the Internet.
Conditions
- Deposit term: 91, 181, 367, 730 days;
- 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
In US dollars
In Euro
Deposit “Active replenishment”
This is a deposit of individuals, the terms of which provide for the possibility of replenishing the deposit account. Capitalization of interest or its monthly payment is provided.
Conditions
- Duration: 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
In dollars
In Euro
"Free Control" deposit
This is a deposit of individuals with maximum freedom of management: the ability to replenish and partially withdraw funds. It can be opened either at any bank branch or independently via the Internet.
Conditions
- Duration: 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
In US dollars
In Euro
See also the most profitable Sberbank deposits for pensioners.
Deposit "Premium"
This is a profitable deposit for clients - owners of cards issued under the Premium and Optimal tariff plans, premium cards of the Mastercard World category. It has the highest percentage among Otkritie Bank deposits for individuals.
Conditions
- Duration: 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”
An income (savings) 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.
"Binbank" offers a line of deposits for individuals for 2017, maximum interest: ₽ - 10.75% per annum, $ - 3.00% per annum, € - 0.50% per annum.
Binbank deposits are very popular among the population due to: high stakes, well-chosen programs, “transparent” deposit conditions.
All deposits in the bank are insured, and return in case of various problems is guaranteed by the State.
The bank’s arsenal of “products” includes deposits with: daily and monthly payment interest, multicurrency solutions (opens simultaneously in three currencies), replenishment, partial withdrawal, capitalization, etc.
When selecting the optimal program, you need to take into account some of the nuances of the discovery, which we will naturally “point out” to you.
Deposit programs do not have divisions into “Premium” and “Standard”, as for example - all “products” of B&N Bank are absolutely available to any depositor.
1. “Magnificent Seven” deposit program - with daily interest payment
We see an innovative approach to paying profits (accrued interest) in the “Magnificent Seven” program.
The fact is that interest is accrued daily and transferred to the depositor’s account (they can be withdrawn and used for “personal needs”).
The interest on the deposit is fixed: rubles - 6.70% per annum, dollars - 0.95% per annum, euros - 0.25% per annum.
When you open a deposit through the Binbank - Online service, you are given a bonus, which consists of an additional 0,5 % per annum (rubles), to the standard rate.
Minimum opening amount: 10,000 ₽ (maximum 25 million rubles), 300 $ / € (maximum 50 thousand).
The deposit period is 367 days.
The attractiveness of the program also lies in the fact that it contains all the additional options: replenishment (30 days before the end of the term - replenishment is not accepted), partial withdrawal to the minimum balance (minimum balance: 10 thousand rubles, 300 dollars - euros).
Early dissolution agreement, “threatens” the depositor with recalculation of interest on the deposit - at 0.001% per annum.
2. Deposit program "Monthly income" - with monthly withdrawal of profits
The “product” is almost similar to the one described above, but there are some differences: interest is paid monthly, there is no option for partial withdrawal.
A very convenient gradation according to the term of the deposit allows the investor to either make a short-term deposit (for 91, 181 days), or give a deposit for the long term (367, 730 days).
The deposit rate will depend on: term and amount. Moreover, you can even increase the percentage of an existing deposit by replenishing it to the next level of the amount (see the percentage table).
Bets in rubles (program " Monthly income")
| Deposit amount / Term (days) | 91 days | 181 days | 367 days | 730 days |
|---|---|---|---|---|
|
10,000 - 299,999 RUR |
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|
300,000 - 699,999 RUR |
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|
700,000 - 1,499,999 RUR |
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|
from 1,500,000 ₽ |
The maximum bet in rubles can be obtained at short-term deposit- period 91 days, for an amount of 1.5 million rubles.
Rates in dollars (Monthly Income program)
| Deposit amount / Term (days) | 91 days | 181 days | 367 days | 730 days |
|---|---|---|---|---|
|
10 000 - 24 999 $ |
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|
25 000 - 44 999 $ |
||||
The maximum rate in dollars is 1.50% per annum, given for a period of 367 days, with a deposit amount of 45 thousand dollars.
Rates in euros (Monthly Income program)
| Deposit amount / Term (days) | 91 days | 181 days | 367 days | 730 days |
|---|---|---|---|---|
|
10 000 - 24 999 € |
||||
|
25 000 - 44 999 € |
||||
The maximum rate in euros is 0.50% per annum, which can be obtained by investing 45 thousand or more for a period of 367 - 730 days.
It should be noted that you can increase the deposit rate (receive a premium) using the "Online Bonus" or "Pension Bonus": by 0.5% per annum - if you open a deposit through the "Binbank - Online" system, by 0.15 % per annum - if you present your Pension Certificate.
Early termination of the terms of the deposit “recalculates” the rate by 0.001% per annum.
3. “Investment in the Future” program - with a yield of 10.75% in rubles
This program opens only when you take out a savings or investment life insurance policy.
Here we see maximum bet, both in rubles and in dollars.
The program is comprehensive solution, and includes: highly profitable investments without risks, insurance protection, proper management of your savings.
Detailed information about the conditions of the deposit (choice of a partner insurance company, etc.) can be obtained from the managers of B&N Bank.
Interest is paid at the end of the deposit term.
In case of early termination of the contract, the interest “burns out” to 0.001% per annum.
4. “Multi-currency” program - three currencies on one deposit
Many investors come to the conclusion that keeping all their savings, for example, only in rubles, is unsafe and short-sighted - especially during a “crisis”.
A “multi-currency basket” of a deposit is the optimal solution to this problem.
Your savings will be simultaneously in three currencies: ruble, US dollar, euro.
If the behavior of one of the deposit currencies is unstable, you convert this “weak” link into a currency unit that is “stronger” at that time.
The conversion is carried out within the account (without commission), and you can use this operation an unlimited number of times (the conversion is carried out at the bank’s rate).
“Multi-currency” is a deposit of the future, which is gradually gaining popularity and shows good profitability if used correctly.
The minimum deposit amount is only 30 thousand rubles (or the equivalent in dollars and euros).
The deposit is replenished (from 1,000 ₽, from 50 $ / €). Additional contributions cease to be accepted only 30 days before the end of the deposit period.
Interest is paid at the end of the deposit term. Early termination is carried out at a rate of 0.001% per annum.
Deposit term: 181, 367 or 730 days.
5. Savings account "Piggy Bank"
The savings account "Piggy Bank" is an alternative to storing your savings "in a stocking", but with one important difference - a profit of 6.5% per annum in rubles.
Interest is paid monthly. If you terminate the contract early, you will not lose anything (well, as a last resort The interest will “burn out” in a few days).
You can top up your deposit with any amount and at any time. If you urgently need money, withdraw as much as you want.
There are no restrictions on the minimum deposit amount or term.
The deposit is opened either through a bank branch or through the B&N Bank - Online service.
You can store no more than 30 million rubles in the Piggy Bank.
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Binbank deposits of individuals 2017 interest on deposits today has increased compared to the previous period.
The bank is one of the largest and most reliable financial organizations in Russia. Therefore, its specialists developed a line savings accounts, taking into account the capabilities and expectations of clients.
Bank deposits are a profitable investment.
Binbank deposits of individuals 2017 and interest
Today Binbank makes it possible to open a savings account in rubles, dollars or euros, as well as at a high interest rate for up to 36 months. The financial institution is a participant in the deposit insurance system and also has only positive reviews their clients.
Deposits in Binbank for individuals in 2017 in rubles today
Today B&N Bank offers to open a savings account for citizens on very favorable terms. Branches financial institution there are not only in Moscow and St. Petersburg, but also in other less developed regions, which makes it possible for each client to open a deposit anywhere in the Russian Federation. In addition, you can perform such an operation through the official website of the credit institution.
As of 2017, individuals have the opportunity to open the following ruble deposits:
Visionary— giving the opportunity to receive income in 730 days;
Profitable. Opens for a period of 31 days with the possibility of replenishment, early withdrawal and automatic renewal;
Multicurrency, with payment of income at the end of the term and the possibility of replenishment;
Zurich– profitable deposit for individuals with payment of profit at the end of the contract;
NY. Opens for at least a month, provides for the possibility of early withdrawal of money;
Nice. Opens for at least a month with the possibility of early withdrawal, replenishment and automatic extension;
Double benefit– a program for individuals, which is open for at least three months;
Decent pension– a profitable deposit account that is chosen by pensioners. Provides for an unregulated deposit period, prolongation and capitalization of interest.
Also, Binbank’s interest rates depend on the type of deposit chosen for individuals and the period for which the agreement was concluded. Minimum bid is 3.8%, and the maximum is 16.5%.
Deposits in foreign currency
Binbank deposits in foreign currency for individuals have the opportunity to open any type of deposit, except Piggy Bank and Pension. They are opened exclusively in rubles.
Offer for interest rates ranges from 1.2% to 4% for dollar accounts and from 0.65% to 2.45% for euro accounts. In this case, the operating time of the deposit account ranges from 91 days to a year.
Conditions for pensioners
Binbank deposits for individuals 2017 interest on deposits for pensioners is standard from 7.75% to 9.75% in rubles, 3.1% -4.0% in euros, 3.75% - 4.1% in dollars per annum. Clients can start saving for a dignified old age with a small amount of 1000 rubles.
Receiving money into a deposit account involves replenishing cash or deducting a fixed amount from each pension.
Binbank deposit calculator
On the bank’s website you can use a special form with a calculator that calculates interest on any current deposit. First you need to select the required one from the list savings program, which needs to be calculated, and then fill in all the other fields.
If the client is not satisfied with the final result of the savings that will be obtained during the calculations, he can repeat calculations for other savings an unlimited number of times.