To ensure the safety and increase of funds, many banks offer various profitable deposits and deposits. Deposits in Belarusian rubles in Belarusbank, which guarantee income with minimal risks, can become a worthy choice for a potential depositor.
The bank offers a wide range of different deposit programs, from which everyone can choose for themselves deposits that meet exactly his needs.
What is the return on deposits?
Income from deposits or, as they are also called, deposits is obtained in the form of interest on the principal amount.
The following indicators affect the amount of interest:
- type of the selected deposit;
- placement period;
- additional conditions that are prescribed in the contract.
Belarusbank offers various types of deposits:
- with floating and fixed interest rates;
- on demand and urgent;
- short and long term;
- with capitalization and without capitalization of interest.
A large number of offers guarantees constant demand, since anyone can choose the appropriate deposit conditions. The interest rate on deposits in Belarusbank ranges from 0.5% for demand deposits and up to 40% for the “Accumulative in Belarusian rubles” deposit.
For many types of deposits, the bank offers a rate that directly depends on the refinancing rate, while the interest may be equal to or higher.
Using the card to deposit in Belarusian rubles
At the moment, bank plastic cards have become widespread. They have a number of significant advantages, in addition, it is also prestigious. Belarusbank offers a deposit plastic card, which will allow you to use the money at any convenient time.
In this case, interest will be charged on the amount of funds stored on the card, which can also be used or left for capitalization.
Advantage of depositing in Belarusian rubles
First of all, when choosing a bank, you need to make sure of its reliability, this will avoid losses from bank bankruptcy. The share of Belarusbank in attracting clients for the best deposits in rubles is more than 60%, which speaks of the high status and trust in it on the part of depositors.
When choosing a deposit, it is worth deciding on the task set when investing money. Belarusbank offers a wide range of banking services in the field of deposits with fairly high annual interest rates, in addition, it is constantly expanding the number of available programs to meet the demand from all potential depositors.
Thus, the best combination of profitability and reliability is obtained.
You decide!
Keeping your savings in Belarusian rubles in Belarusbank is the best solution. The bank's specialists will help you choose a suitable deposit or offer individual conditions. The bank's reputation speaks of its indestructible position in the market.
As of today, Adkrytaeaktsiyannernaet the trouble "Ashchadny Bank" Belarusbank "(Open joint-stock company"Savings Bank" Belarusbank ") is the undoubted leader in the market banking services in the country. Accordingly, this bank is considered the most reliable, and most depositors trust their funds to it. Offered by JSC Belarusbank deposits in Belarusian rubles are divided into "demand" and time deposits. Among the deposits "on demand", it is especially necessary to highlight the deposit "Care". It is opened in the name of a child or orphan left without parental care by a guardian and until the child reaches 18 years of age is a deposit with a rate of CP + 2%. It then becomes a regular “demand” account with a rate of 0.5 percent. Until the owner comes of age, the capitalization of interest is monthly, after that it is annual. All debit transactions are possible from the account.
An example of the social orientation of deposits is the Pension deposit. The rate on it is 27%, for the participants of the Great Patriotic War - 33% (the refinancing rate increased by 6%). Any debit transactions on this deposit can be performed without the risk of loss of income, as well as on the "Trusteeship" deposit.
Profitable deposits in Belarusian rubles
Today it can be considered that the proposals of SBBelarusbank are, indeed, the most profitable deposits in Belarusian rubles, despite the fact that there are offers on the market with higher deposit rates. In the foreground, nevertheless, comes the bank's reliability, which ensures the safety of the funds entrusted to it. In this regard, the leader of the republican market is ahead of all competitors.
Among the deposits, a rather interesting deposit "Your Choice" deserves special attention. The rate on it ranges from 27.5% to 28.5% (depending on the amount of the deposit). The funds are stored for three years. But starting from the fourth month, all debit transactions from the account are made without loss of income. Thus, the depositor has the opportunity to receive a fairly high income and at the same time has practically unlimited opportunities in order to use his funds.
For just two months, you can place funds on the "Gostinets" deposit, the rate at which is 27.1%, the capitalization of interest on the deposit is monthly.
Other proposals of Belarusbank, which have found their solutions for effectively attracting funds from the population and succeeded in this, are also very interesting.
Everyone who is more or less financially literate knows that free money should not be idle. Money must be invested, it must always be in circulation, otherwise there is a chance of losing it due to inflation. People who are confident in themselves and are not afraid of risk prefer to make money on stock trading. Cautious citizens are looking for less risky opportunities to increase capital. One of the options for careful but stable earnings is deposits.
Most residents of the Republic of Belarus prefer the deposits of Belarusbank. This is due to the fact that:
- The bank offers a wide range of deposits on different terms;
- People trust the financial institution, because it is the oldest bank in the Republic with a positive reputation;
- Investments allow you to receive passive income, no risks.
Let's consider the main offers of the bank.
Current deposits in Belarusian rubles
Investments in national currency are characterized by high interest rates. This is done to protect depositors' funds from inflation. Below you can familiarize yourself with the current offers of the bank.
"Spring (version 2.0)"
The contract is concluded for a period of 3.5 months. Minimum amount the contribution starts from 500.00 BYN. rub. at a rate of 9.35% per annum. The depositor has the opportunity to replenish the deposit account only in the first month after the conclusion of the agreement. After this time, the account will not be replenished. Automatic renewal of the contract and expense transactions are not provided. The client can close the deposit account ahead of schedule only with the approval of the bank. 
The main advantages of the offer:
- Increased rate;
- The ability to open an account for a third party;
- Interest capitalization;
- Possibility to top up the account in the first month of the conclusion of the contract.
The bank offers fixed rate on the deposit equal to 9.4% per annum. The amount of the contribution to open a deposit must be at least 500 BYN. rub. You can replenish your account in the first month of opening a deposit, after that the contribution additional funds not provided. 
Benefits of the deposit:
- High interest rate;
- Remote control capability;
- The account is to be replenished in the first month after opening;
- Capitalization of interest on the deposit;
- Refunds and interest earned are made to the client's card.
Any operations (opening, closing, management) on a savings deposit in Belarusian rubles in Belorusbank, the client can do independently via the Internet. You can certify printed documents, issue a power of attorney and perform other actions in the divisions of a financial institution.
"Classic Irrevocable Spring"
According to the terms of the agreement, funds are deposited for 6.5 months without the possibility of revocation or partial withdrawal. The minimum deposit amount is 500.00 BYN. rub. The deposit can be replenished within 3 months from the date of its opening. Contract renewal is not provided by default. 
Advantages:
- High interest rates - 9.7% per annum;
- Capitalization of income;
- The possibility of replenishment, but only in the first 3 months.
Please note that the terms of the agreement, namely the rate, can be changed at the initiative of the financial institution, but after prior notice to the client.
The term for the deposit is at least 6.5 months. The amount of the contribution to the account cannot be less than 500.00 BYN. rub. The yield is 9.8% per annum, but can be changed by the bank after notifying the depositor. The spending of the invested funds until the end of the contract is prohibited. 
Advantages:
- Remote account management;
- Account replenishment is possible 3 months after signing the contract;
- Automatic addition of interest to the deposit amount - capitalization;
- After the end of the agreement, the amount of the deposit and interest on it are transferred to the client's card.
"Classic Irrevocable Children's"
This is one of the most profitable deposits in Belarusian rubles in Belarusbank. Several storage periods are offered to choose from - 3, 4 and 5 years at 10.3%, 10.4% and 10.5% per annum, respectively. The minimum amount required to open an account is 200.00 BYN. rub. Additional funds can be credited to the account throughout the entire period, with the exception of the last 3 months. 
Advantages:
- High profitability;
- The deposit is opened in the name of a minor by a third person, regardless of family ties;
- The account is replenished;
- At the end of each month, the interest is capitalized.
Rates can be changed at the initiative of the bank up or down, but after prior notification of the client. Early termination is possible by agreement of the parties.
"Classic Irrevocable for 1 year"
The minimum amount for opening an account is 100.00 BYN. rub. at a rate of 7.5%. During the term of the agreement, the rate does not change. The storage period for funds is 1 year. Replenishment, spending of funds and automatic renewal of the contract are not provided.
Advantages:
- Unchanging rate;
- Possibility to open an account for a third person.
"Internet - Deposit - Trend Revocable"
A deposit can be opened for 1, 3, 6 or 9 months at rates of 2, 3, 5 and 6% per annum. The rate is changed at the initiative of the financial institution. The minimum amount for opening a deposit is 50.00 BYN. rub. The account can be replenished in an amount of at least 10.00 BYN. rub. 
Advantages:
- Remote account management;
- Replenishment;
- The return of the deposited funds and earned interest is carried out to the client's card;
- Capitalization;
- Early termination (in this case, the bank recalculates the accrued interest at a reduced rate).
You can deposit money for a period of 1 month at 3.5%, for 3 months at 5%, for 6 months at 6%, for 9 months at 7.5% or at 8% on special conditions for members of the “Card- blanche "and # nastart. The minimum amount for opening an account must be 50.00 BYN. rub. Termination of the contract before the prescribed period is not provided. Expense transactions are possible in the range of capitalized interest. 
- Remote control;
- Possibility of depositing additional funds;
- Deposit with capitalization of accrued interest;
- Refunds and interest are made to the client's card.
After notifying the client, the interest rate on the deposit in Belarusbank can be changed unilaterally.
"Free choice"
The minimum amount required to open a deposit is 500.00 BYN. rub. You can place funds for 11 months at 9% per annum or for 2 years at 10.5% per annum. In the first case, you can replenish the account throughout the entire period, in the second case - only the first year. In the first case, the depositor receives interest at the end of each month, in the second case - at the end of the contract. The rate can be changed at the initiative of the financial institution. 
- Along with opening an account, the client receives several products (international card, connection to the Internet banking service, overdraft);
- Return of the deposit to the card;
- The possibility of replenishment.
"Classic revocable for 35 days"
The minimum deposit amount is 150.00 BYN. rub. at a rate of 1% per annum. Account replenishment under the terms of the agreement is not provided, but automatic prolongation of the agreement is possible. The storage period for funds is 35 days.
Advantages:
- Fixed rate;
- Prolongation of the contract by default, but no more than 6 times;
- The ability to open a deposit for a third person.
"Classic Revocable up to a year"
You can put money on a deposit for a period of 95 and 185 days at a rate of 1.5% and 2.5% (rates are not fixed and can be changed by the bank). The amount of the deposit cannot be less than 150.00 BYN. rub. The deposit account can be replenished without restrictions. 
Advantages:
- You can open an account for a third person;
- Replenishment;
- Capitalization;
- Automatic renewal of the contract with a storage period of 95 days.
"Classic Irrevocable up to a year"
The minimum amount required to open a deposit is 150.00 BYN. rub. Money can be placed for 3 months at 3.2%, for 6 months at 5.2%, for 9 months at 6.9% or at 7.9% within the Velvet club. If the money is placed for a quarter, then the bank offers a fixed rate, in other cases it may change after the client has been notified in advance.
Advantages:
- The ability to open an account in the name of a third person;
- Unlimited replenishment;
- Capitalization.
Each client can calculate the profitability of a deposit in Belarusian rubles in Belarusbank using the calculator posted on the website. To do this, it is necessary to enter data on the amount of the deposit, the currency, the term of the deposit and the name of the deposit into the program.
"Classic Irrevocable over a year"
To draw up a deposit agreement, it is necessary to deposit at least 150.00 BYN into the account. rub. Two accommodation options are offered:
Features and Benefits:
- High rate;
- The possibility of replenishment on the terms specified in the contract;
- Capitalization of income at the end of each month.
The rates can be changed at the initiative of the bank.
"Classic Post revocable"
The deposited amount cannot be less than 100.00 BYN. rub. The funds are placed for a period of 12 months at 5.5% per annum. Interest is not capitalized and is paid at the end of the term. 
Peculiarities:
- This deposit can be issued only in the branches of RUE “Belpochta”, which have the authority to accept cash and conclude agreements on deposits on behalf of “ASB Belarusbank”;
- Expense transactions on the account are not provided;
- Early termination is possible at a demand rate.
"Pension"
People who have reached retirement age, people who have not reached retirement age, but have the right to receive a pension, WWII veterans can place money on these conditions. After opening a deposit account, a pension will be received on it, in a non-cash manner, on which 0.5% per annum will be charged.
Advantages:
- The deposit is unlimited;
- The account can be replenished in any amount during any period of the agreement;
- It is allowed to make debit transactions on the account without loss of interest.
"Care"
A deposit in Belarusian rubles of Belorusbank created especially for orphans and children left without parental care. The minimum amount for placement is 0.01 BYN. rub. at 0.5% per annum.
Advantages:
Opening an account under these conditions can only be legal guardians or persons who have a legal basis to perform the relevant duties.
"Poste restante"
Has no shelf life. The minimum amount for placement is 1 BYN. rub. under 0.5%. According to the terms of the contract, incoming and outgoing transactions are allowed.
Peculiarities:
- Suitable for saving savings;
- Can be opened to 3rd person.
It is possible to open an account without depositing cash. The money is placed on the account at 0.5% per annum. No deposit certain timeframes... Clients can deposit and withdraw funds an unlimited number of times. 
Current deposits in foreign currency
Forward-thinking people prefer to store available funds in foreign currency. This allows you to get double the profit:
- Earn interest on placing a deposit;
- Make money on a change in the exchange rate (if the fluctuation is in favor of the investor).
In Belarusbank, foreign currency deposits are represented by a wide variety. Consider all the current proposals of a financial institution.
"Internet - Deposit - Trend Revocable" ($, €)
An account can be opened in euros or in US dollars for a period of 3, 6, 12, 18, 23 months. Charges on the account opened in dollars are 0.8%, 1%, 1.5%, 1.6%, 1.7%. The rates for a deposit in the currency of the European Union are 0.3, 0.35, 0.4, 0.45, 0.5. The minimum amount required to conclude a contract is 100 dollars or 100 euros.
Advantages:
- Remote control;
- Absence of a prohibition on making receipts and expenditures;
- The return of the invested funds is carried out on the card.
According to the terms of the contract, the rates on the deposit can be adjusted at the initiative of the bank, but after notifying the client about this.
"Internet - Deposit - Trend Revocable in Russian rubles"
A deposit account is opened in Russian rubles for a period of 3 to 23 months at 2.6%, 3.1%, 3.9%, 3.95%, 4%. The longer the term of the deposit, the higher the offered rate. The amount of the contribution required to conclude a contract is at least 3000 Russian rubles.
Advantages:
- Account management via the Internet;
- Account replenishment (the minimum amount for replenishment is 500 rubles);
- Refunds are made to the card;
- Expense transactions are provided.
The rates under the agreement are not fixed and can be changed by the bank.
"Internet Deposit - Trend Irrevocable" ($, €)
Opening a deposit account is possible in $ and € for a period of 3,6,12,18,23 months. At the same time, the minimum rate for a dollar deposit is 1%, and the maximum is 2%. For an account in EUR, the minimum rate is 0.8%, the maximum is 2%. The longer the term of the deposit, the higher the offered rate.
Peculiarities:
- Remote control;
- The ability to carry out incoming transactions;
- The use of funds is permissible in the range of capitalized interest;
- Refunds are possible to the card.
Another contribution of Belarusbank in Russian rubles. It is proposed to place Russian rubles for 3, 6, 12, 18, 23 months. According to the terms, the minimum rate is 4.6%, the maximum is 8% per annum. The initial amount for placement cannot be less than 3000 Russian rubles.
Advantages:
- Remote account management via the Internet;
- Unlimited replenishment;
- Automatic addition of interest to the principal at the end of each month;
- Refund of the deposited and earned funds to the card.
"Contribution Classic Revocable up to a year" ($, €)
You can place money on the account for a period of 95 or 185 days at 0.2 and 0.4% per annum. The initial payment cannot be less than $ 100 or €. 
Peculiarities:
- The possibility of replenishment;
- Capitalization of earned interest;
- Possibility of automatic renewal if the contract is concluded for 95 days;
- It is allowed to change the rate at the initiative of the bank.
The shelf life can be 95 days at 2.5% with automatic renewal or 185 days at 3% without renewal. Amount for down payment must be at least 5000 Russian rubles.
Advantages:
- It is allowed to carry out incoming transactions;
- Interest capitalization.
"Classic Revocable over a year" ($, €)
The fixed shelf life is 18 months. The amount of the initial payment cannot be less than $ 100 or €. The rate for the US dollar is 1.1%, the rate for the euro is 0.4%. There is no rollover by default.
Peculiarities:
- Replenishment of the account is allowed throughout the entire period of the agreement;
- Interest is added to the principal amount of the deposit at the end of each month.
"Classic Revocable over a year in Russian rubles"
A deposit in the currency of the Russian Federation with a storage period of 1.5 years at a rate of 4% per annum. The rate can be adjusted at the initiative of the bank. The amount required to open an account is 5,000 rubles.
Advantages:
- Unlimited account replenishment;
- Adding interest to the amount of the deposit - capitalization.
You can find out the profitability on foreign currency deposits using the deposit calculator in Belarusbank.
"Classic Irrevocable up to a year" ($, €)
The depositor is offered a choice of different terms of storage of funds - 3, 6, 9 months. The rates go up along with the shelf life. When placing money on an account for 3 months, the depositor receives a rate of 0.5% per annum, when placing money for 6 months - 0.8%, for 9 months - 0.9%. In this proposal, the placement currency does not affect the rates, they remain the same for both the € account and the $ account. It should be noted that only one rate is fixed - 0.5%, while 0.8% and 0.9% can be adjusted at the initiative of a financial institution, but after prior notification of upcoming changes to depositors. 
Peculiarities:
- There are no restrictions on account replenishment;
You can put money into the account for a period of 3, 6, 9 months at 4.5%, 5%, 5.2% per annum. The amount required to open a deposit is 5000 rubles.
Peculiarities:
- There are no restrictions on replenishment;
- Early termination of the contract and withdrawal of the invested money is possible only by agreement with the bank;
- Expense transactions are allowed within the limits of accrued interest;
- Unspent interest is added to the principal amount of the deposit.
"Classic Irrevocable over a year" ($, €)
You can deposit money in the account for a period of 30 or 36 months. The rates are the same for both dollars and euros. When placing funds for 30 months - 1.6%, for 36 months - 1.8% per annum.
Peculiarities:
- High profitability;
- The possibility of replenishment during the first 27 months for a deposit opened for 30 months and 33 months, you can replenish a deposit opened for 3 years;
- Adding interest to the principal amount of the deposit every month.
"Classic Irrevocable over a year in Russian rubles"
An account is opened for storing funds in the currency of the Russian Federation for a period of 30 or 36 months at rates of 4.7 and 5% per annum. The minimum amount required to open an account cannot be less than 5,000 rubles.
Peculiarities:
- High profitability;
- The possibility of replenishment according to the terms of the contract;
- Deposit without prolongation;
- Adding interest to the deposit amount every month.
In addition, Belarusbank offers its customers to open a demand deposit or current accounts in foreign currency. On balances of funds on such accounts, 0.1% per annum is charged, and there are no restrictions on income and expense transactions.