Sovcombank deposits for pensioners for a year. Deposits in Sovcombank. Rates for the "Fixed Income" program

At Sovcombank for individuals There are 5 deposits available with different interest rates.

The highest percentage available today is 8.65%.

Important condition: get maximum interest rate Only Halva card holders can make deposits. It’s not enough to just open it; you need to pay with plastic for purchases worth at least 5,000 rubles monthly.

Sovcombank deposits for today - interest

1. Deposit “Fixed income”

This is a deposit with monthly interest payments.

On the day of opening the deposit agreement, if the Depositor has not deposited funds into the deposit account, the Bank will credit an amount of 0.1 rubles to the deposit account as a bonus. If the deposit is not received within 10 calendar days from the date of opening the deposit, Money in the amount of 30,000 rubles, Bonus in the amount of 0.1 Russian ruble will be returned to the Bank, the Deposit Agreement will be terminated.

Sovcombank opens special card, money can be sent there or to any existing account.

Replenishments and partial withdrawal not provided.
Additional payment is possible no later than 10 days.

Basic conditions for the deposit Fixed income:

Minimum deposit amount– 30,000 rubles (funds can be deposited within 10 days).
Minimum replenishment amount– 1000 rubles. During the term of the agreement, the amount of all additional contributions cannot exceed the initial amount paid within 10 calendar days from the date of opening the deposit. Both cash and non-cash methods of replenishment are possible.
Interest accrual
Interest payment– Accrued interest is paid monthly on the date corresponding to the date of opening or prolongation of the deposit, as well as on the expiration date of the deposit by transferring to a bank account for settlements of individuals. TO bank account For payments by individuals, a “Halva” card is issued.
Interest paymentupon early withdrawal of the deposit (in in full or partially) – Interest is paid based on the interest rate established by the Bank for demand deposits at the time the deposit is called. If, during an incomplete period, interest was paid on the deposit to a bank account for settlements of individuals, the difference between the paid and the amount payable is reimbursed from the deposit amount.

2.Deposit “Convenient”

Deposit with a choice of terms and a good interest rate.

There are also no replenishments or withdrawals; interest is actually credited at the end of the term. But early termination of the deposit is possible, then interest is recalculated according to minimum deposit“On demand” (very low percentage!)

Rate for deposits in Russian rubles:

Interest payment– Interest is paid upon expiration of the deposit to the bank account for payments of individuals to which the “Halva” card is issued.
Interest accrual– Interest accrual begins from the day following the day the corresponding deposit amount is made, until the day it is returned to the Depositor, inclusive, and if it is written off from the deposit account for other reasons, then until the day it is written off, inclusive.

3. “Automotive” deposit

Deposit for Clients who plan to purchase a car.

This replenishable deposit is for individuals planning to purchase a car. It opens upon presentation of a driver's license or STS (PTS) for the car.

When using funds from a deposit to purchase a car from Sovcombank partners, the interest rate on the deposit increases by 1% per annum starting from the 7th month. The rate increases if you provide documents confirming the fact of purchasing a car from Sovcombank partners.

Rate for deposits in Russian rubles:

The rate increases from 7 months (181 days) upon provision of documents confirming the fact of purchasing a car from Sovcombank partners.

Interest payment– Interest is paid upon expiration of the deposit to the current bank account to which the “Halva” card is issued.
Spending funds– Not available for 6 months. (180 days) from the moment of opening. Starting from the 7th month (181 days), spending of funds is allowed provided that the balance on the deposit account should not be less than 1 ruble.

4.Maximum income – up to 8.65%

A deposit for those who want to receive maximum income on funds placed in the bank by a certain date.

Rate for deposits in Russian rubles:

It does not provide for expense or income transactions, and interest is accrued after the expiration of the contract.

Additional replenishment is possible within 10 days, but not more than the amount of the initial payment.

Minimum deposit amount– 50,000 rubles (funds can be deposited within 10 days)
Interest payment A “Halva” card is issued for a bank account for payments to individuals.
Deposit extension– Provided on the terms and at the interest rate in force at the Bank on the date of extension. The extension of the deposit is terminated after the Bank makes a corresponding decision. In this case, the deposit amount is transferred to a bank account for settlements of individuals.

5.Maximum income with Halva (up to 8.65% per annum)

Make at least 5 purchases using Halva for an amount of 10,000 rubles or more in any stores, including those not included in the list of partners, and your deposit rate will increase by 1% per annum (at the end of the term). Condition: purchases for the above amount must be made monthly, during the validity period of the deposit, and there is no overdue debt on Halva. The entire amount of interest (including “additional” %%) is paid at the end of the deposit term.

Rate for deposits in Russian rubles:

Partial withdrawal- Not provided.

6. Deposit “Record percentage”

In this deposit Sovcombank offers increased rates and deadlines.

Minimum deposit amount– 50,000 rubles (you can deposit funds within 10 days from 1000.00 rubles in cash and by bank transfer).
Additional fees– Not accepted after 10 calendar days from the date of opening or prolongation of the contract.
Interest accrual– Interest accrual begins from the day following the day of making the corresponding deposit amount until the day of its return, if the debit from the account was made for other reasons, then up to and including the day of debit.

Rate for deposits in Russian rubles:

Interest payment– interest is paid upon expiration of the deposit term on the “Halva” card.
Payment of interest upon early withdrawal of the deposit(in full or in part) - interest is paid based on the interest rate established by the Bank for demand deposits at the time the deposit is called.
Spending funds- No.

7. “Free” deposit

Contribution from monthly capitalization interest and the possibility of early termination at ½ rate!

Conditions:

Minimum deposit amount	1,000,000 rubles (funds must be deposited on the day the deposit agreement is opened).
Maximum deposit amount	No limit.
Additional fees	From 5,000 rubles. Accepted in cash and non-cash. Acceptance of additional contributions stops 30 calendar days before the end of the deposit period.
Spending funds	It is possible to withdraw funds up to the minimum balance.
Interest accrual	Interest accrual begins from the day following the day the corresponding deposit amount is made until the day it is returned.
Interest payment	Interest is paid during the term of the deposit agreement: monthly on the date corresponding to the date (day) of opening the account from which the extension period begins, as well as on the expiration date of the deposit term.
Adding interest to the deposit amount	The accrued interest is added monthly to the deposit amount (increases the deposit amount), on which interest is calculated.

Terms and rates of the “Free” deposit

Rates for deposits in US dollars (% per annum)

Duration in months (in days)	Rate, % per annum

	25 000	200 000	500 000
3 months (91 days)	1,60%	1,70%	1,80%
6 months (181 days)	2,00%	2,10%	2,20%
9 months (271 days)	2,20%	2,30%	2,40%
12 months (365 days)	2,50%	2,60%	2,70%

Rates for deposits in euros (% per annum)

Duration in months (in days)	Rate, % per annum
	minimum amount, minimum balance
	25 000	200 000	500 000
3 months (91 days)	0,30%	0,40%	0,50%
6 months (181 days)	0,40%	0,50%	0,60%
9 months (271 days)	0,50%	0,60%	0,70%
12 months (365 days)	0,60%	0,70%	0,80%

Important points

All deposits placed with Sovcombank are insured by the DIA.
You can terminate the contract ahead of schedule under all programs, while retaining the accumulated interest; none of them will work.
The minimum period for placing funds is 31 days. Get the most high percent is possible only with a deposit opened for a period of 1095 days.

How to open a deposit in Sovcombank

You can make Sovcombank deposits for individuals in branches or via the Internet.

In the department

If you are not yet registered in Sovcombank Internet Banking, you will have to visit a bank branch.

Contact any of the nearest Sovcombank offices. You must have a Russian passport with you.
The operator will help you fill out the necessary documents.
Deposit money into your account.
Deposit is open!

In Internet banking sovcombank.ru

If you are already registered in Sovcombank Internet Banking, then you can open a deposit without leaving your home.

Log in to the Internet bank sovcombank.ru using your login
In the menu, select “Open deposit”.
Select a suitable contribution using the filter, or select an option from the proposed list.
Read the terms and conditions.
Fill out the short form, indicating the deposit amount in the “I want to invest” field. If you want to transfer funds from another bank, then in the “Debit from account” field, select the “replenish the deposit later” option.
Confirm the operation via SMS.

Find out more about interest rates and terms of deposits on the website or by phone: 8-800-200-66-96 (calls within Russia are free).

Special conditions for pensioners

Sovcombank does not offer deposits specifically for pensioners. They can use any of the deposits valid at the time of circulation.

Bank deposits in foreign currency

There are also deposits that are opened in US dollars and Euros. Currency deposits are not opened in all branches and offices, so please check by phone 8-800-200-66-96 about a specific office in your city.

On this moment such contributions:

Contribution " Maximum income»
Deposit “Fixed income”
Convenient deposit

1. “Maximum income” in currency

Additional fees- not accepted.
Spending funds- not provided.
Interest accrual– interest accrual begins from the day following the day the corresponding deposit amount was made until the day it is returned
Interest payment– interest is paid upon expiration of the deposit term to a bank account for payments by individuals.

2. “Fixed income” in foreign currency

Contribution from monthly payment percent.

Rates for deposits in US dollars (% per annum):

Rates for deposits in euros (% per annum):

Additional fees– accepted in cash and non-cash, in an amount not exceeding the initial deposit amount.
from 100 dollars from 100 euros
Spending funds- No.

3. “Convenient” in currency

Convenient choice of term with an excellent rate!

Rates for deposits in US dollars (% per annum):

Rates for deposits in euros:

Conditions:

Additional fees– accepted in cash and non-cash, in an amount not exceeding the initial deposit amount (from 100 dollars, from 100 euros).
Spending funds- No
Interest payment– interest is paid upon expiration of the deposit term to a bank account for payments by individuals.

Now you have complete information on foreign currency and ruble deposits and their conditions with interest rates.

Sovcombank's line of deposits for individuals includes 12 programs. The profitability of placing funds in Sovcombank reaches 8.8%. By placing money in bank deposit accounts. Now we will analyze in detail the deposits that Sovcombank offers in 2019.

"Record percentage"

This deposit offers the highest rate at Sovcombank. Depending on the term, the annual rate will be set at 7.3–7.8%, and when paying with the Halva card it will reach a value of 8.3–8.8%. The remaining conditions are as follows:

minimum amount - 50,000 rubles (you can deposit the amount within 10 days);
term - 2 months, 6 months and 1 year;
replenishment is not provided after 10 days from the opening date;
interest payment - upon closing the deposit (in case of early termination of the agreement, recalculation at the “On demand” rate).
spending of funds - no;
automatic renewal - yes.

To obtain maximum bet, you must fulfill the conditions for the Halva card. Have no debts, make at least 5 purchases in the amount of 10,000 rubles each the reporting month during the entire period of storage of money in Sovcombank. For wealthy clients, another bonus is provided - an increase in annual interest by 0.1% if an amount of more than 10 million rubles is deposited within the first 10 days.

"Automotive"

A deposit is opened upon presentation of a driver's license or STS (PTS) for a vehicle you already own. Funds from the deposit can be used from the 7th month to purchase a new car with a subsequent increase in the rate by 1%. The main thing is to choose a bank partner company as a dealer.

Conditions for auto deposit:

rate - 6.6% (if a car is purchased from partner dealers, the rate will increase to 7.6%);
period - 12 months;
minimum amount - 30,000 rubles;
replenishment - from 1000 rubles throughout the entire period;
spending of savings - only from 181 days with a minimum balance of 1 ruble.

Interest is paid at the end of the term, and if the contract is terminated early, the rate is reduced to the interest on the “Demand” deposit. Here you can also increase annual interest by 0.1% if you deposit more than 10 million rubles within the first 10 days.

"Maximum Income"

This program assumes the highest possible yield at Sovcombank, which can reach 8.65% per annum. This is a classic option for placing a deposit, when the client deposits funds and withdraws them at the end of the contract.

Characteristics:

the minimum amount to open a deposit account is 50,000 rubles;
interest is paid only at the end of the term of the agreement for the placement of funds;
the program does not provide for partial withdrawal of money;
accommodation for 31-1095 days;
the general rate is 6.1–7.65%, and if the conditions for regular turnover on the Halva card are met, it will be 7.1–8.65%.

"Maximum income in currency"

Under the “Maximum Income” program, you can open a deposit in dollars or euros. Only the currency changes, and the rest of the deposit options remain the same:

Characteristics of foreign currency deposit:

minimum placement amount - 500 euros/dollars;
replenishment and partial withdrawal are not provided;
interest is paid at the end of the placement period;
the contract is concluded for 91–1095 days;
when opening a deposit in US dollars, the rate will be from 1.2% to 3.5% per annum;
if you open an account in euros, the rate will be 0.2–1.5% per annum.

"Comfortable"

The offer makes it possible to choose a convenient term for the deposit, while the rate remains high and profitable. Investors will also be pleased with the opportunity to replenish their deposit.

Characteristics:

minimum amount - 50,000 rubles;
term - 31–90, 91–180, 181–270, 271–365, 730 or 1095 months;
rate – from 6% to 7.55% depending on the chosen period. If the conditions for the “Halva” card are met, the annual fee increases by 1%;
replenishment - from 1000 rub. an unlimited number of times within the entire period, but not more than the amount deposited in the first 10 days from the moment the line was opened;
withdrawal or spending of funds is not provided;
interest is accrued upon completion of the program, and in case of early demand, based on the rate on the “Demand Deposit” deposit.

“Convenient - foreign currency deposit”

Similar opportunities are offered when opening a foreign currency deposit. The minimum amount will be 500 dollars or euros, and the period for placing funds is 91–1095 days. The interest rate depends on the term and size of the minimum balance and is 1.1–3.4% for the dollar, and 0.1–1.4% for the euro.

Replenishment is allowed in contributions of 100 conventional units. No funds will be spent.

"Free"

A deposit with monthly interest capitalization and the possibility of early closure while maintaining a high rate of half the original value. In addition, free deposits and withdrawals are allowed on the deposit.

Detailed Specifications:

term - 3, 6 and 12 months;
the minimum amount and minimum balance is 1 million rubles. (money is deposited immediately);
maximum amount - unlimited;
interest rate - 6-6.4%;
replenishment - from 5000 rub. throughout the entire validity period, with the exception of the last 30 days;
withdrawal - up to the minimum balance.

Interest is paid at the end of the term. At early closure deposit interest is recalculated to special conditions. So, if the deposit is valid for more than half the term, interest is paid at half the rate, otherwise according to the “On demand” parameters.

"Free - currency deposit"

Currency version of the “Free” deposit. Capitalization of interest and the possibility of early termination at half the rate are retained; only a few parameters change:

currency - euro or dollar;
period - 91–365 days;
annual rates - 1.6–2.7% for dollars and 0.3–0.8% for euros;
minimum amount - 25,000 dollars/euro;
maximum amount - 5 million dollars/euro;
replenishment - from 100 dollars/euro with the termination of contributions up to 30 calendar days before the closure of the deposit.

"Fixed income"

The main feature of the deposit is the opportunity to receive accrued interest monthly for the free use of the proceeds. Funds are transferred to an open account, which can be deposited again if desired. Partial withdrawal is not provided, as is early withdrawal while maintaining the original rate.

Deposit characteristics:

period - from 31 to 1095 days;
interest rate - from 5.8% to 7.7% (maximum annual rates are set when the conditions for the “Halva” card are met);
minimum amount - 30,000 rubles. (enter within 10 days);
replenishment - from 1000 rubles, but in total not exceeding the amount deposited during the first 10 days.

“Permanent income - foreign currency deposit”

Monthly interest payments are also available for foreign currency depositors. The proceeds are transferred to the individual’s account on each reporting day of the month. Replenishment is allowed, but without exceeding the originally deposited amount and with a minimum contribution of 100 dollars/euro.

You can open a deposit with a minimum amount of $500 or 500–2000 euros. The period is selected within 91–1095 days. The interest rate for a dollar deposit will be 1–3.1%, and for euros - 0.1–1.2%. In case of early closure, annual interest is calculated according to the “On Demand” program.

"Interest on interest"

Deposit with stipulated capitalization. During capitalization, the interest accrued during the specified period is added to the principal amount of the deposit. In the subsequent period, interest is accrued on a larger amount, and the profitability becomes higher.

Characteristics:

you can open an account with a minimum amount of 30,000 rubles;
the ability to replenish your account with amounts starting from 1000 rubles;
payment of interest monthly with their subsequent capitalization;
partial withdrawal of funds is not provided, with the exception of the amount of interest accrued to the deposit;
early dissolution agreements without loss of interest every 12 months after opening an account;
placement of money for 31–1095 days, rates - 6.1–7.65%.

Deposit “Always at hand”

Another foreign currency deposit with free replenishment. It involves placing funds for 365–730 days, the yield in both dollars and euros will be 0.5% per annum. Partial cashing out of a deposit account is allowed, but with a minimum balance equal to the minimum deposit amount - 5000 conventional units.

How to open a deposit in Sovcombank

Citizens of the Russian Federation who have reached the age of 14 can open a deposit account with Sovcombank. You can also conclude an agreement at some bank offices. Foreign citizens, stateless persons. The client needs a passport and an amount of 30,000 rubles or more, which is immediately sent to the account being opened.

You can submit an application to open a deposit online using Sovcombank’s Internet bank. If you choose this option for opening an account, the profitability of placing money will be higher, the bank will increase the rate by 0.3 percentage points. The service is available only to existing Sovcombank clients with access to online banking.

In 2019, Sovcombank prepared several deposit options for pensioners. Today we will tell you about what interest rates are offered by this company for individuals who want to increase their savings.

general information

As is known, this financial institution is the only bank in Russia that provides loans to pensioners under 85 years of age. This offer is truly unique, you can find out the conditions in.

Is there any here special conditions for registering a deposit for people of retirement age? Unfortunately no. There are no depositors for this category special programs, if they want to open a deposit here, then they do so on a general basis.

Please note that the bank is a participant in the deposit insurance system. This means that if Sovcombank’s license is revoked, you are guaranteed to be able to get your money back in the form of compensation. Its maximum size can be up to 1.4 million rubles, you can find out more.

Current programs in 2019

So, let’s look at the bank’s offers for its clients:

"Record percentage"

You will need to deposit at least 50,000 rubles into your account with the possibility of further replenishment with amounts starting from 1,000 rubles. The validity period is 60, 181 or 365 days, the yield will be up to 7.8%. If you want to receive increased income from 8.3% to 8.8% per year, then you can open the “Record Interest with Halva” deposit.

Important: a deposit can only be made if you have an installment card from Sovcombank, on which at least 5 transactions have already been made reporting period for an amount of at least 10,000 rubles. Overdue debt is not allowed.

"Maximum income with Halva"

This special offer for owners. If you have it, you will be able to receive an increased return on this deposit in the amount of 7.1% to 8.65% per year. A deposit of 50,000 rubles is required. for a period from 31 to 1095 days with replenishment and payment of interest at the end of the contract, you can increase the rate by 1 percentage point. if you use the Halva installment card.

"Maximum Income"

Available upon making a minimum deposit of RUR 30,000. Replenishable, payments from 1000 are accepted. The investment period can be from 31 to 1095 days, payment of funds is carried out at the end of the term. The yield varies from 6.1% to 7.65% per annum, early preferential termination is possible only after the first year of the contract, up to 366 days you will lose the accumulated interest.

"Automotive"

The deposit is opened upon presentation of a driver's license or STS (PTS) for the car. The contract is signed for 360 days with a deposit of 30,000 rubles with the possibility of replenishment (from 1000 rubles) and partial withdrawal of funds (while maintaining a minimum balance from the 7th month). The interest rate is 6.6% per year, while it is possible to increase it to 7.6% from the 7th month upon provision of documents on the purchase of a car from Sovcombank partners.

"Fixed income"

It is also issued when making a payment of 30,000 rubles or more, additional payments– from 1000. Deposit period – from 31 to 1096 days, rate from 5.1 to 6.7% per annum. The rate can be increased by 1 percentage point. when paying with the Halva card.

"Comfortable"

Here you will need to place a standard amount of 50,000 rubles for a convenient period from 31 to 1095 days. The rate varies from 6% to 7.55% per year, replenishment is allowed, interest payment will be made at the end of the contract. Automatic renewal is possible.

"Free"

A special offer that will be valid. Accept large sums from 1 million rubles per long term at 91, 181 or 365 days. Replenishment - from 5,000 rubles, the yield will be from 6% to 6.4%, payments occur monthly. Partial withdrawals up to the minimum balance are allowed; early termination of the contract occurs on preferential terms.

"Poste restante"

This is a free savings bank account where you can keep any amount for an unlimited period at 0.01%.

Additional Information

Do you want to have additional income? To do this, you can transfer your pension from the Pension Fund to Sovcombank to the “My Income” account. In this case, you will receive the following privileges as an “Honorary Client”:

On the balance of your own funds when transferring pensions/salaries, 5.3% per annum is charged. The rate of 5.3% is valid for 1 month from the date of the last pension payment.
Free SMS notification.
Free card service.

Remote opening of deposits will be available for existing bank clients. Now you can open and replenish deposits without leaving your home using the Internet bank sovcombank.ru. In this case, you will receive increased interest.

Sovcombank deposits for individuals in 2018 are represented in several areas - they differ in rates, amounts and conditions for conducting transactions on the deposit account. A distinctive feature is the high percentage and mandatory issuance of a Halva card for each client.

Sovcombank deposits for individuals in 2018

The general conditions for placing clients' money on deposits with a bank include the following characteristics, which apply to all programs:

Open only in rubles (except for Maximum Income);
You can top up in an amount of at least 1 thousand.

Please note that during the entire term of the contract total amount additional contributions cannot exceed the deposit placed into the account in the first 10 days.

You cannot withdraw income ahead of schedule - money transferred to the deposit cannot be withdrawn before the end of the contract or the day of extension, otherwise all profit will be recalculated at a rate of 0.01%.
The deposit must be accompanied by a Halva card - for its owners, 1% is added to the interest rate of any selected offer (except Automotive) if the conditions for the minimum monthly expenditure from the card are met.
The interest rate does not depend on the deposit amount - only on the term.
There is no capitalization (except for Interest on Interest).

Interest rates on Sovcombank deposits

Unlike other financial and credit institutions, the bank does not have full management programs: an individual cannot withdraw money partially from any deposit without losing accumulated income. This allows Sovcombank to save high stakes on deposits and assign a percentage bonus to active users of the Halva card.

The highest percentage offered on deposit Maximum income, but the conditions for it are the strictest: money cannot be withdrawn, interest is accrued only at the end of the term, the entry threshold is high - from 50 thousand. But replenishment is available from 1 thousand rubles at any time:

If you want to get an increased percentage through capitalization, the program is suitable for you Interest on interest. In it, income is accrued monthly, added to the balance and constantly increases it. The minimum placement amount is 30 thousand rubles:

The only Sovcombank deposit for individuals in 2018 with interest paid monthly is Fixed income. It is possible to place money both for a short term and for a long time - terms range from 1 month to 3 years. Active use of the Halva card will add 1 pp to you. Opening amount - 30 thousand rubles:

A special offer for those who want to save up for a car - the Automobile deposit offers a fixed interest rate and its increase if you purchase a car from a partner. The deposit is subject to General terms on the ban on partial withdrawal of funds. Opens from 30 thousand rubles:

To compare programs, you can use the deposit calculator. The calculator will allow you to identify the most interesting option for yourself.

For pensioners in 2018, deposits are provided on similar principles; no special tariffs are provided.

New Sovcombank deposit Record percentage

Promotional offer valid from October 22, 2018. Sovcombank accepts deposits from 50 thousand rubles for a period of one year or 3 months.

The interest rate is 7 and 8% respectively. If the user fulfills the conditions of the Halva card, he receives maximum value — 8%.

The conditions boil down to the fact that for the entire period of validity of the deposit agreement, an individual is obliged to fulfill the following requirements in total on a monthly basis:

make at least 5 expense transactions using the card (payment for goods and services);
the amount of purchases must exceed 10 thousand rubles;
Card debt must be repaid on time.

If you miss at least one period, the rate will not be increased.

Sovcombank deposits for pensioners

The bank does not have special programs for people of retirement age, especially at 12%. Considering the high interest rate on standard offers, a pensioner can choose any of the current options to protect their money from depreciation.

All conditions for Sovcombank deposits in 2018 equally apply to pensioners.

How to make a deposit

Having selected the appropriate option (after making the calculation on the profitability calculator), you can apply for an opening. To do this, all you need is a passport. Pensioners can register using the appropriate certificate. In 2018, money is allowed to be brought in cash or sent to a deposit by non-cash method, which can be done no later than 10 days.

An individual has the right to become a depositor over 14 years of age. It is permissible to conduct an opening in your own name or in favor of a third party. It is allowed to order a power of attorney so that another citizen can manage the deposit.

In 2018, individuals with foreign citizenship can place funds at any tariff, but only in certain branches of Sovcombank.

Interest rate calculator

Sovcombank has a service for selecting the optimal program for placing funds on deposit, which is also a profit calculator. By choosing a priority option for your deposit, you can understand how much income you will receive depending on the term and amount.

Sovcombank service two in one - find out your income, compare programs

Conclusion

Deposits with Sovcombank for individuals in 2018 have a number of similar conditions - they are all replenished, partial withdrawals are prohibited, and there is a program with interest paid every month. All clients are issued a Halva card, which increases the deposit rate in a number of cases. Sovcombank does not provide separate deposits for pensioners.

Sovcombank offers citizens the placement of funds at interest. He has developed a line of deposits that are focused on the various needs of citizens. The bank offers good rates, if you compare them with proposals from other organizations. Sovcombank does not offer deposits specifically for pensioners; its product line is suitable for all categories of depositors. A citizen of retirement age can study bank programs and choose the one that best suits him in terms of options.

Features of Sovcombank deposits

For the convenience of depositors, the bank has developed programs with different options. You can use a classic deposit and place money for a long term, receiving interest at the end of the contract period. You can use a deposit with the possibility of partial withdrawal or with capitalization.

Possible deposit options:

Refill. This option is present in all Sovcombank deposit programs. The client can replenish his deposit as many times as he likes, but the replenishment amount must be at least 1000 rubles. This is a convenient option for pensioners, since many of them try to create savings by gradually saving money;
Partial withdrawal of funds from the deposit. If the client understands that he may need money located on deposit account, it is better to immediately choose a deposit that provides such an opportunity;
Capitalization. Sovcombank offers programs with the inclusion of capitalization options. This means that the monthly interest accrued will not be transferred to the depositor; it will go to the deposit account, adding up to the deposit. The amount placed will grow, as a result, the interest rate will be higher in each period;
Possibility of withdrawing funds from the deposit without losing interest. Sovcombank provides this opportunity, but only after a year, two or three after opening a deposit account.

Selecting a deposit for a pensioner

On the Sovcombank website you can find a deposit selection form. In it, a potential investor can enter the amount and term of placement of funds, as well as select the desired deposit account option. The program will display the profitability that the client will receive by concluding an agreement with Sovcombank.

But in any case, before making any decisions, it is necessary to study all the programs offered by Sovcombank. Its line of deposits includes seven main programs in ruble currency and five deposits that can be opened in dollars or euros. Let's look at the most suitable options for retirees.

"Maximum Income"

Suitable for retirees who want to place money for the long term. The account can be replenished with any amounts during the first 10 days after opening, after which additional contributions are not accepted. You cannot partially withdraw money from the account, and you can terminate the agreement early without losing interest only after 1, 2 or 3 years after opening the account. This Sovcombank deposit assumes the maximum level of possible profitability, but interest can only be withdrawn at the end of the placement period.

Deposit characteristics:

opening when placing an amount of 50,000 rubles or more;
partial withdrawal is not possible;
deposit opening period - 31-1095 days;
rate - 6.1–8.65%;
interest is paid at the end of the contract term.

The "Maximum Income" deposit can also be opened in dollars or euros. The placement period will be the same, the minimum amount for opening a deposit will be 500 conventional units. You cannot top up or cash out your account. The rate when maintaining an account in dollars is 1.2–3.5%, in euros - 0.2–1.5%. The investor will receive interest at the end of the period established by the agreement.

Money is placed for a period of 271–365 days, the rate when maintaining an account in dollars is 1.75%, in euros - 1%. The investor will receive interest at the end of the period established by the agreement.

"Fixed income"

This program is suitable for pensioners who want to periodically receive interest accrued by the bank. Every month on the date of conclusion of the agreement, Sovcombank will transfer accrued income to the depositor’s debit account.

Deposit characteristics:

an account is opened upon depositing an amount of 30,000 rubles or more;
replenishment of the deposit without restrictions with amounts from 1000 rubles;
You cannot withdraw money partially;
the contract can be concluded for a period of 31–1095 days;
the yield is 5.8–7.7%;
interest is calculated monthly.

"Interest on interest"

This is a program to which Sovcombank connects capitalization. Every month during the term of the deposit, the deposited amount increases due to capitalization. Every month the bank accrues interest, which is added to the placement amount. This increases profitability. But keep in mind that when choosing this program, you will receive your income only after the deposit expires.

Deposit characteristics:

the minimum amount to open a deposit account is 30,000 rubles;
It is allowed to replenish the deposit with amounts starting from 1000 rubles;
You cannot partially cash out your account;
interest is calculated monthly and added to the deposit amount;
a contract can be concluded for a period of 31-1095 days;
rates - 5.1–7.65% per annum.

“Always at hand” in currency

The program is relevant for clients who do not exclude the need to partially withdraw money from their deposit account. It is possible to partially cash out the deposit, but there is a limitation - the remaining amount must be at least 500 dollars or euros. The accrued interest will not be lost. Sovcombank calculates the profitability monthly and transfers the accrued interest to the depositor by transfer to his debit account.

Interest under the program is calculated and accrued monthly and transferred to the depositor’s debit account.

Deposit characteristics:

opens when placing 5000 euros/dollars;
can be topped up with amounts starting from 100 euros/dollars;
monthly interest payment;
partial cash out accounts up to a balance of 5000 euros/dollars;
term of conclusion of the contract - 365–730 days;
yield - 0.5% per annum.

If you are an existing Sovcombank client, you can open a deposit through your online bank. All other citizens open deposit accounts as standard by contacting the office. You need to have a passport with you; the programs are relevant for citizens over 14 years of age.