Any client of Gazprombank can reliably save their savings and earn on interest. Abundance of offers with favorable rates And flexible terms allows even owners to earn income small amounts. At Gazprombank, deposits are protected by an insurance system, and the bank’s reliability rating is A++, which corresponds to the highest level in the system rating agency"Expert".
Savings deposits
The line of deposits aimed at saving funds includes both long-term (up to 3 years 1 day) and short-term deposits.
Total for this moment There are 6 offers available:
- Holiday: This is a limited time offer, valid until the end of January 2018. The minimum amount will be 100 thousand rubles, the interest on the deposit will be 7.25%, the term will be 121 days. Replenishment, renewal and early withdrawal no funds are provided. A good investment for a short term.
- The doors are open - another short-term deposit with a good interest rate. An amount of 300 thousand rubles or more can be invested for a period of 91 days with an interest rate of 7.5% per annum. The deposit cannot be replenished, nor can it be extended, and early withdrawal will result in the client not being accrued interest.
- Savings – multicurrency deposit. The minimum for a ruble deposit is 15 thousand; deposits in dollars or euros can be made in amounts of 500 or more. The interest rate in rubles will be from 5.9 to 6.8% per year, for dollar savings - from 0.08 to 1.20%, and in euros 0.1% per annum. Replenishment is not possible, interest is paid at the end of the deposit term or annually for deposits lasting more than 1 year. Extension is possible.
- Pension savings are a product for those who are on a well-deserved retirement. The interest rate here is not tied to the amount on the account, and is 6.8% per annum. The minimum investment is 15 thousand rubles, 500 dollars or euros. Replenishment and early withdrawal of funds are not provided, extension is possible. You can save funds in this way for a period from 91 days to 3 years and 1 day.
- Investment income allows you to simultaneously keep money on deposit and invest in a mutual fund. What part of the funds will be kept in the account and what will go to the mutual fund is determined by the client. The larger the second digit, the higher the interest on the deposit portion. The minimum amount is 25 thousand rubles, 500 dollars or euros. The biggest interest rate for a ruble deposit it will be 8.7%, for a dollar deposit – 2%, for savings in European currency – 0.4% per annum.
- Savings and protection – an offer valid for joint savings on a deposit and life insurance. This ruble deposit, opened for an amount of 50 thousand rubles or more. The maximum interest rate is 8.8% per annum, the deposit period is from 3 months to a year.
Savings deposits
Deposits that require regular cash deposits are convenient because you can create a savings schedule yourself. At Gazprombank, deposits with such opportunities are called “For Life”, “Electronic” and “Gazfond Pension”.
The latter involves investing pension savings for a period from 181 days to 550. The minimum amount for such a deposit is only 100 rubles, and 6.5% per annum is paid at the end of the term.
The “For Life” deposit can be opened in rubles (from 15 thousand), dollars or euros (from 500). Interest on a ruble deposit is 6.5% per annum, in dollars 1.1%, in euros 0.01%. Partial withdrawals are not possible during the entire term of the deposit, but replenishments are not limited.
An “electronic” deposit can be opened from any Gazprom ATM; this is a ruble deposit for amounts of 15 thousand and more. The rate is 6.65% per annum.
Gazprombank deposits for those who want to manage their funds
Available for this line of Gazprombank deposits partial withdrawal, replenishment and extension.
On the “Business” deposit you can get up to 6.3% per annum when placing funds in rubles, the “Pension” deposit will bring income up to 4.7% per year, and the “On Demand” deposit is intended for making payments between citizens and offers a minimum interest rate - 0.01%.
Gazprombank- a large joint-stock company providing financial services various categories persons, including companies (legal entities). Today the institution is among the TOP 5 largest banks in the Russian Federation and among the top three financial organizations from a volume perspective equity. That is why it is not surprising that more and more individual entrepreneurs and legal entities set the task open a Gazprombank current account. What requirements are put forward to clients? What rates can you expect?
Gazprombank: offers and advantages
One of the most popular services of Gazprobank is cash settlement services of companies (legal entities). The credit institution offers :
- Opportunity to open an account with Gazprombank in various types currencies - in rubles and in the money of other countries.
- Using the client-banking system.
- Carrying out quick conversion operations.
- Strict foreign exchange controls.
- Conducting transactions with documents.
Advantages of a Gazprombank current account :
- Wide geography of work and high speed making payments. The credit institution has an extensive branch network, and also maintains partnerships with many financial institutions (domestic and international). As a result, current account holders have the right to count on fast transactions anywhere in the world (regardless of currency).
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- Convenience of calculations. All transactions under Gazprombank cash settlement services are carried out only upon the client’s instructions. In this case, orders can be issued in two forms - electronic (through “Client-Bank”) and paper.
- Reliability and positive reviews . The bank guarantees the safety of customer funds during transactions, as well as high level service (confirmed by reviews).
What do you need to know to quickly open an account with Gazprombank?
Before opening a bank account for individual entrepreneurs or legal entities, it is advisable to take into account a number of important tips :
- Find out in advance the list of papers that must be submitted during the registration process. In addition, it is important to take agreement forms and applications for opening a current account in advance.
- If there are restrictions on the company from outside financial institution You shouldn’t deceive the bank and try to apply for Gazprombank’s cash settlement system using cunning.
- Terms and rates settlement and cash services must be clarified in advance.
Gazprombank current account: tariffs for cash settlement services
When choosing a banking institution, it is important to carefully study the tariffs for cash settlement services, because the starting and subsequently the monthly expenses of the company depend on this. So, to open an account with Gazprombank, you will have to immediately shell out 2,500 rubles (for the first account). Subsequent accounts will be cheaper and will cost 1,500 rubles.
The next expense item is maintaining a current account. Here, a lot depends on the presence (absence) of the “Client-Bank” option. If such a service is provided, the cost of the package for legal entities ( monthly payment) will be 2000 rubles, and in its absence - 600. For foreign currency, the tariffs will be the same.
If a Gazprombank client has had no movement of funds in his account during the year, the annual expenses are 10,000 rubles. In this case, the bank does not have the right to withdraw more than the amount available.
The remaining conditions of Gazprombank's cash settlement system include: :
- No interest on the balance (for Russian rubles).
- Accrual of 0.01% per annum if the funds are in foreign currency (relevant for accounts with over $500,000).
- Execute a function exchange control(upon receipt of funds) - 0.1% of the transfer volume, and upon transfer - 10%.
- Opening a letter of credit - 0.6% per year.
- Issuance of documents for collection - 0.15% and so on.
Current account tariffs for Gazprombank are detailed in the agreement concluded between the parties. The main thing is to study the conditions in advance, consult with bank employees about unclear points, and then issue a cash settlement. With the right approach, it is possible to open a current account within 1-2 days.
The bank needs deposits in order to attract capital, which is subsequently issued on credit at an interest rate higher than the interest on deposits, which is what the banks’ income is based on. The investor receives interest on the balance - than more money he “gives” to the bank, the more he will receive in the end. Today you can open a deposit on different conditions - replenished, on demand, etc.
Let's look at the conditions under which you can open a deposit with Gazprombank.
Savings deposits of Gazprombank
Program "Step Up"
Conditions
Sum: from 100 thousand rubles
Deposit term: up to 180 days
Additional features: No
Interest rate
up to 60 days - 5.2%
from 61 to 120 days - 6.2%
from 121 to 180 days - 7.2%
"Doors are open" program
Conditions
Sum: from 300 thousand rubles
Deposit term: 91 days
Additional features: No
Interest rate
Program "For the Future"
Conditions
Sum: from 50 thousand rubles
Deposit term: 91/181/367 days
Additional features: No
Interest rate
Savings and Protection Program
Conditions
Sum: from 50 thousand rubles
Deposit term: 91/181/367 days
Additional features: No
Interest rate
Investment Income Program
Conditions
Sum: from 25 thousand rubles / 500 US dollars / 500 euros
Deposit term: 91/181/367 days
Additional features: No
Interest rate
Replenishable deposits of Gazprombank
Program "For Life"
Conditions
Sum:
Deposit term: 91-1097 days
Additional features: replenishment, prolongation
Interest rate
Program "Electronic"
Conditions
Sum: from 15 thousand rubles
Deposit term: 91-367 days
Additional features: replenishment
Interest rate
Deposits with the possibility of withdrawal in Gazprombank
Business program
Conditions
Sum: from 15 thousand rubles / 500 US dollars / 500 euros
Deposit term: 91-1097 days
Additional features: replenishment, extension, partial withdrawal
Interest rate
Deposits for pensioners at Gazprombank
Pension Savings Program
Conditions
Sum: from 15 thousand rubles / 500 US dollars / 500 euros
Deposit term: 91-1097 days
Additional features: prolongation
Interest rate
Pension Income Program
Conditions
Sum: from 500 rub.
Deposit term: 367 days
Additional features: partial withdrawal, prolongation, replenishment
Interest rate
Fixed. It is 4.6%, regardless of the deposit amount.
How to open a deposit and top up your account
The procedure is standard regardless of your region of residence, age, type of deposit and social status. The standard procedure involves the following steps:
- Preparation of documents;
- Selecting the type of deposit;
- Submitting an application at a hospital department or opening a deposit online;
- Waiting for the bank's decision;
- Depositing money into the account, the amount must be no less than the minimum according to the terms of this deposit.
Top up your account if the program suggests such additional opportunity, available online or at Gazprombank branches. There is also an option to use a calculation calculator on the site.
Here you indicate the amount, term, interest rate and final income are determined. Valid for every program.
List of documents
The list of documents that will be required to register a deposit with Gazprombank depends on what type of investment you are going to open. All types pension deposits only available individuals who confirm their status with a pension certificate. The remaining types are open to all Russian citizens who have reached the age of 18. Documents required include identification (in most cases, a passport will be required). You may also need a certificate of income from your place of work.
Conclusion
Today in Gazprombank you can open a deposit for the maximum favorable conditions. The bank provides a wide range of deposit options - from savings accounts to pension and replenishable deposits. With these deposits, additional income becomes available to any citizen.
In the article we will talk about the tariffs and conditions of a current account with Gazprombank. Let's find out how you can open and reserve an account for individual entrepreneurs and LLCs. We have prepared a list necessary documents for the bank and collected customer feedback.
About the bank
According to the Russian financial rating, as of October 2017, Gazprombank ranks fifth in terms of net profit, and the third – based on available assets. Over its almost thirty-year history, the bank has acquired a developed network of branches and subsidiaries throughout the country. The state itself participates in the capital of the bank. The bank is known for its work with corporate clients- it is the largest financial partner many thousands of enterprises in almost all sectors of the economy.
Advantages of opening an account with Gazprombank
The bank itself calls working with corporate clients a key activity in which it has accumulated experience over the years.
By opening an account with Gazprombank, legal entities will receive the following benefits:
A full range of settlement and cash services. The bank offers its clients a comprehensive range of transaction services, including currency control, documentary and conversion transactions.
Efficiency of execution. The Bank undertakes to execute payment orders as quickly as possible.
Extensive geography of payments. In addition to their own branches in most Russian regions, the bank actively cooperates with its neighbors and far abroad. Thus, you will not face a refusal to transfer funds to one point or another in the world.
Multicurrency transactions. Payments can be made in any currency.
Various forms of payment. You can submit orders to the bank both on paper and in in electronic format(using the “Client-Bank” service).
Tariffs for opening and servicing a current account with Gazprombank
Here are a few - they are valid provided that your total turnover on bank accounts for 11 months previous year does not exceed 4 trillion rubles.
Tariffs for cash and service services for individual entrepreneurs
In the table below we suggest considering several RKO tariffs that may be of interest to individual entrepreneurs. At the same time, individual entrepreneurs have the right to open accounts with Gazprombank on equal terms with LLCs and use the same tariffs.
| Name of service | Tariff, rub. | How is the commission calculated? |
| Transferring money to a bank account in rubles | No commission | — |
| Transferring money to a client of another bank using a paper payment order | 200 | Every month. The tariff value is multiplied by the total number of executed payments. For example, if, by your order, the bank transferred money ten times in a month, under this item you will owe it 200 * 10 = 2000 rubles. |
| Transferring money to a client of another bank using a payment order that you send to the bank electronically | 32 | Same calculation scheme |
| Transfer to a Gazprombank client or to the budget | No commission | — |
| Receiving and crediting cash to your account (in rubles) | 0.05% (250 rubles minimum) | Daily. The percentage is calculated from total amount receipts per day. For example, today you deposited 1 million into your account. You will pay the bank 1 million * 0.05 = 500 rubles. |
Tariffs for cash and service services for LLC
Most RKO services are designed specifically for legal entities due to their larger document flow. Let us consider in the table some tariffs for cash settlement services that may be of interest to legal entities. persons
| Name of service | Tariff, rub. | Commission charging procedure |
| Acting as a currency control agent | 0.1% of the receipt amount, but not more than 60,000 | One time per transaction |
| Opening a letter of credit | 0,6% | Annually |
| Calculation of interest on the average monthly balance Money On account | For free | — |
| Money transfer marked “Urgent” | 1 500 | On the day of service |
| Issuance of cash if it is needed to pay salaries or other social needs, or for any other purpose - if the amount does not exceed 200,000 per day | 1% | Daily. If you received 100,000 from the bank’s cash desk, be prepared to pay a commission of 100,000*1%=1000 rubles. |
| Cash withdrawal more than 200,000 per day | 10% | Daily. If you withdrew 500,000 per day, the bank commission will be 500,000*10%=50 thousand rubles. |
How to open a current account with Gazprombank
You can open an account with Gazprombank only in personal presence and with a complete package of documents, and this rule applies to both individual entrepreneurs and legal entities.
Familiarize yourself with the methodological rules. The bank has developed a document on opening, closing and re-issuing accounts, which is proposed to be studied before submitting an application:
Complete the application. You must come to the bank branch in person. An employee will provide you with a sample form and advise you on how to fill it out. To clarify information on the nearest bank branch, dial *0701 on your mobile phone - you will be taken to a single information desk credit organization(the call is free). For information on RKO, you can also dial 8-800-100-11-89.
Collect the complete package of documents indicated on the bank’s website. In the meantime, your application will be reviewed (usually no more than three to five business days) and invited to a bank branch. involves a different set of documents required by law.
If after ten days you have not received feedback, you should call the bank and clarify information on the decision. Sometimes LLC or individual entrepreneur without explanation.
Online application for a current account at Gazprombank
At the moment, Gazprombank does not provide an online application service for opening an account. Thus, the application is filled out directly at the bank according to the form accepted at a specific branch.
You may need another service - . But the implementation of this service, as well as opening an account for LLCs and individual entrepreneurs, is impossible online.
So, the bank provides its future clients with the service of reserving a current account number - exclusively in rubles. An LLC or individual entrepreneur can download the application form on the bank’s website, fill it out and take it to the bank. The bank will review the application and, if the answer is positive, will issue an account number that you can indicate in the documents.
The application must include the following information:
- Full name of the organization or full name. IP.
- Purpose of account reservation. If necessary, indicate the details of the contract, purchase, competition.
- OGRN, TIN, type of activity and ownership.
- Method of obtaining a number (mail, fax, in person).
Within 120 days from receiving the number, you must collect required package documents and submit it to the bank. Failure to do so will result in your account number being cancelled.
Please keep in mind that during these 120 days before your account is “activated”, you may use this number for informational purposes only. Make expenses and incoming transactions it is still impossible.
Documents for opening an LLC account
The main list of documents for opening a current account with Gazprombank looks like this:
- OGRN certificate.
- Charter
- Documents certifying the powers of the director and his identity.
- Identity documents of the authorized body.
- Documents certifying the right of employees to manage funds in the account.
- Permission to conduct activities (if it requires licensing).
Documents for opening an individual entrepreneur account
Individual entrepreneurs must provide the following documents to the bank:
- Passport, namely its page with photo and registration.
- OGRNIP certificate.
- Information about business reputation.
- A notarized card with samples of signatures and seals.
- Application and questionnaire.
RKO in Gazprombank
Cash settlement services for legal entities at Gazprombank include several services. A young company does not have to connect all of them - each of them is autonomous and can be connected at your request.
The main list looks like this:
- Opening of the first and subsequent accounts.
- Maintaining an account in foreign currency.
- Providing Client-Bank software.
- Cash services (reception, enrollment, cash withdrawal).
- Corporate cards.
- Salary project.
- Currency control.
- Conversion operations (sale of currency, etc.).
- Issuing statements and certificates.
- Documentary transactions (letters of credit, guarantees, advice).
Corporate cards
At your request, Gazprombank will issue an international card for your enterprise from one of the payment systems - Mastercard Business or Visa Business. There is also the option of receiving a privileged Gold card. The bank describes in detail what benefits you as the owner of the company, as well as your employees, will receive from owning a bank card.
| Why is the Gazprombank corporate card convenient and profitable? | |
| For your business | For your employees |
| You decide for yourself which currency to choose for current accounts linked to cards - euros, dollars, rubles | Hassle-free cash withdrawal from ATMs – no need to go to a branch |
| You will save on cash and foreign exchange transactions. If your employees go on business trips abroad, you do not have to open for them foreign currency accounts or buy currency for travel expenses. | It is possible to withdraw cash abroad in foreign currency through an ATM |
| Accounting for funds issued for travel and entertainment expenses will be simplified | You can use your card to pay for purchases in stores and salons without commissions |
| Thanks to more than 40 bank representative offices in different regions, it is possible to receive cash on preferential terms | No need for transportation large sums during a business trip |
| The bank has developed a system of discounts when paying with a bank card abroad | When traveling abroad, you do not need to declare funds placed on a corporate card |
In addition, the bank guarantees you its 24-hour service support on all issues related to corporate cards. By the way, according to your wishes, the card design will be truly unique. The bank pays sufficient attention to the aesthetic side of the issue - this can be judged by the existing designs of issued cards.
Salary project
Gazprombank describes in detail what benefits you and your employees will receive if they become participants in the bank’s salary project. This service involves issuing a registered bank card according to the sample, and with its help your employee will be able to manage accrued wages. Salary calculations, of course, are also carried out by the bank itself.
According to the information provided by the bank and judging by the reviews, GPB guarantees the following advantages of the project:
- for each company Gazprombank develops individual project taking into account the specifics of its activities;
- a wide selection of payment systems for cards, with the help of which will be implemented salary project– these are VISA, MasterCard, UnionPay, JCB, MIR;
- loans from the bank on preferential terms;
- SMS notifications about completed operations;
- ease of payment in stores around the world;
- the ability to issue up to 5 cards linked to one account;
- increased level of security for “salary” cards – they are all equipped with a microprocessor;
- opportunity remote maintenance(through mobile bank"Telecard", Internet bank "Home Bank";
- insurance programs;
- discounts and privileges from partners (for example, car rental from Avis and Hertz);
- special privileged package of services for management (preferential rates and bonuses).
Currency control
Gazprombank implements currency control within the framework of the current Russian legislation, which he talks about in detail on his official website. Its goal is to contribute to the sustainability of external and internal monetary policy RF.
In the field of currency control, the bank stands out with the following advantages:
- High international rating.
- Well-established relationships with inspection authorities.
- If you have a difficult transaction ahead of you foreign economic activity, the bank will provide a free consultation.
- The bank works proactively: not to correct your mistakes, but not to allow you to make them. Preventive information, seminars.
- Speedy processing of currency control documents.
- Using the latest information technologies, the ability to submit documents electronically.
Current account management at Gazprombank
Like most modern banks, Gazprombank relies on remote account management. Thanks to this, the client saves his time and the time of branch employees. All account transactions are available in your personal account, which can be accessed from any device (computer, tablet, smartphone).
At the same time, the presence personal account does not obligate you to act through it - you can still submit in person payment order bank employee. But here you will encounter inconvenience in the form of queues, limited working hours and traffic jams.
Internet bank
The Client-Bank system from Gazprombank was created to simplify document flow by transferring it from paper media to electronic ones. The necessary information is installed on the computer software provided by the bank. If necessary, additional consultation is ordered from a utility specialist.
"Client-Bank" makes it possible to:
- use an expanded range of electronic documents;
- quickly send documents to the bank regardless of your geographical distance;
- view account statements daily;
- if desired, receive complete information about movements on the account;
- configure the service with internal accounting systems for prompt downloading of information;
- Protect transaction confidentiality even better with the latest technologies encryption;
- receive extended range document management services for large companies.
