Everyone should understand that money should not lie idle. If you have any savings, they need to be forced to generate income. The simplest and at the same time very effective instrument is bank deposits or, as they are also called, deposits.
What you need to know about deposits in the Republic of Belarus before you start choosing a product? Contributions to Belarusian rubles are distinguished by high rates - they are set so in order to protect your savings from inflation. Deposits in foreign currency will not bring a lot of income, but will please you with stability. Thus, interest rates on deposits in rubles can bring good income if you approach the matter wisely. And deposits in foreign currency will protect against any devaluation.
Especially for you, we have developed a unique deposit calculator with which you can easily compare deposits in banks and choose the most profitable deposits of Belarusians in rubles or the best deposits in foreign currency that are ideal for you. Our database contains all deposits in Belarusian rubles offered by Belarusian banks.
Using a special filter, you can only consider deposits in banks in Minsk or any other city.
Our calculator is a kind of bank calculator, because we have not ignored a single product and the database contains the best deposits in rubles of all Belarusian banks.
The program will select for you the best deposits in Belarus based on the conditions you set. You should indicate the expected amount of the deposit, the currency in which you intend to save and the period for which you are ready to part with your hard-earned money - and voila! the best contributions to Belarusian banks before your eyes as if on a silver platter.
In addition, in the articles on our website, we often raise the topic bank deposits. If you follow the materials, you will always be aware of the latest trends and expert forecasts. This will help you in making a decision about a bank deposit.
We keep our database up to date and diligently update our betting information on a weekly basis. However, you need to understand that it is impossible to keep track of changes in rates in real time, so we advise you to clarify information about the product you like in the bank's call center before going to the bank.
Each person saves money for different purposes. However, many do not understand that keeping savings at home is not the best solution. Instead of generating income for their owner, they only lose their real value due to inflation. In addition, often people do not hold back and spend money. However, deposits in Moscow will help you not only save your finances, but also increase them in accordance with the agreement.
Today this product is a universal investment tool. Unlike the stock market or precious metals, you do not need special knowledge or constant analysis economic situation. You just find a suitable offer and sign a contract. At the same time, most organizations do not have any restrictions on minimum contributions, and if they exist, they are small.
The contract itself is very important, so before signing it, you need to read the text personally. To do this, ask the bank employees to give a sample in printed or electronic form and carefully read all the points, especially those written in small print and marked with an asterisk. With the help of such tricks, unscrupulous organizations try to mislead a potential client and prescribe unfavorable conditions for him in the agreement.
Description of important points
The main advantage of the service, in addition to a stable income, is reliability. Consumer accounts are protected by the state at the legislative level through the program compulsory insurance. Therefore, in the event of liquidation or revocation of the license, you will be compensated. However, it is limited to 1.4 million rubles, which does not prevent you from dividing the amount exceeding this limit and placing it in several organizations, eliminating various risks.
The next aspect we will look at is account types. The first one is urgent. In this case, you place funds for a certain time period. Of course, you have the right to apply for early withdrawal, but with a high probability the bank will refuse to pay the accumulated interest. At the same time, this type of deposit is divided into savings and accumulative, which is provided for periodic replenishment (popularly called a "piggy bank").
The second option - on demand - comes at a low rate. The thing is that it is unprofitable for an organization to keep finances at home, knowing that the owner has the right to demand their return at any time. Such a product is preferred by that category of customers who are satisfied with the fact of reliability, and they are of little interest in potential profit.
Online Assistant
On the site you will find products that are currently on the market. It contains reliable information, which our experts check and update daily. By comparing the services according to their main parameters - and this is the interest rate, the cost of opening and commission, you will be able to make the right decision, and the ratings section will help you in choosing an organization. the site is the largest financial supermarket in Runet, which has been successfully operating for more than ten years. All offers displayed on this page are the best or profitable only according to the experts of Banki.ru
Everyone understands that money should not lie idle, but not everyone knows that deposits in Belarusian rubles are the best, because they have high rates. They are made like this to protect the savings of depositors from inflation. Therefore, they can generate income, even if you use only one banking instrument - a deposit, which, although simple, is effective. Bank deposits are called deposits. The best in Belarusian rubles will be listed in this article. Of course, they cannot bring a large income, but they always please with their stability. It must be remembered that interest rates on deposits in rubles, if you approach things wisely, can bring good income, but a deposit in foreign currency will be protected from any devaluation.
First knowledge
Before you start choosing a product, you need to find out which deposits in Belarusian rubles are the best. Listen to the opinions of experts who do not recommend placing impressive savings in one deposit and even in one bank. Everyone remembers the parable about how they put all the eggs in one basket. You need to choose the best deposits in Belarusian rubles and differentiate your risks using different tools in the banking arsenal. This applies, of course, to owners of large savings. Especially for such lucky ones, there are sites on the Internet where every self-respecting bank has calculators for deposits in Belarusian rubles. With their help, you can easily calculate by comparing which ones are suitable for each specific investor, one might say, ideally. And there are special databases where you can find information about any deposits offered by all banks of the Republic of Belarus, where deposits in Belarusian rubles can even be made online.
There are filters that allow you to consider the conditions of deposits only in the capital of the Republic of Belarus - Minsk. Or, for example, find the best deposits in Belarusian rubles in Grodno. In principle - in any city of Belarus where there is at least one bank. In addition, not a single product offered by banks is ignored in this calculator, and information is updated not just often, but around the clock, as soon as changes and additions appear. The program itself can select information according to the specified parameters, for example, the best deposits in Belarusian rubles in Gomel. You just need to enter your conditions in a special window: the amount of the deposit, the currency in which it will be saved, the period that the depositor has to save his money, and that's all, now all the best deposits in Belarusian rubles in Grodno are listed on the monitor. Or in Gomel? It doesn't matter, you can choose the city you need - any.
About Information
In addition to calculators, every banking website publishes articles in which experts discuss a variety of topics, often concerning the best interest rates on deposits in Belarusian rubles. And if you constantly follow these materials, you can always be aware of the latest forecasts and trends that experts give, which also helps in making decisions.
Databases are constantly maintained up to date, where information is diligently updated. For example, about rates - weekly, and since it is impossible to keep track of their changes in real time, before visiting the bank, it is recommended to clarify the information of a particular product in the banking call center.
What Belarusian experts say
Experts state that Russian investors have flocked to Belarus. Analysts noted very a sharp increase the number of open deposits in the banks of a friendly country, which our compatriots fully trust. As if during the crisis, an amazing island of well-being was found. This is no accident. Best deposits in Belarusian rubles in Minsk and other cities of the Republic of Belarus really attracted many new investors from Russia.
In 2017, this is almost two thousand new deposits. Of course, it's too early to call it a boom, but it's also impossible not to notice this increase. In the Belarusian Alfa-Bank, they said that they had an increase in deposits from Russia as much as seventeen percent, while in 2015 there were only nine of them, and in 2016 a little more. Moreover, the best deposits in Belarusian rubles in Polotsk, Grodno or Gomel - geography does not in the least interfere with the number of deposits - were preferred by the Russians not at all for the last money. These people are quite wealthy, and their deposits are mostly more than one hundred thousand dollars in terms of rubles. The average size deposit from Russia grew by thirteen percent, according to the press service of this bank.
Why is this happening
As the Belarusian bankers explain, the growth of interest in such deposits on the part of Russian investors is due to high yield, because in the Republic of Belarus on foreign currency deposits the rates are one and a half, or even two times higher than in Russian Federation, even taking into account the expected deductions. Such as, for example, income tax on interest income. And one more important point must be taken into account when comparing the two banking systems. Russian depositors are attracted by the mechanisms for reimbursement of their deposits, which the state guarantees in any case. If force majeure happens, the deposits will be returned to the Russians in full, payments are not limited to the amount of 1,400,000 rubles, as is done in the Russian Federation.
There is another very pleasant moment. You could say it's a bonus. In case of force majeure, the Russians will receive their contribution in the same currency in which it was saved. And this is important. In the Russian Federation, there is no such rule; in our country, all foreign currency investments are compensated only in rubles and only at the exchange rate of the Central Bank. However, on the websites of banks there is information that the tax situation has changed, but experts do not associate the recent activity of depositors from Russia with this. The matter is that since April profitability of deposits has a little decreased. The Republic of Belarus now levies a 13% income tax on foreign currency short-term deposits. However, the tax, according to the National Bank of Belarus, will not be levied on deposits that were opened more than two years ago.
Benefit
In any case, the situation with deposits in Belarus looks attractive for depositors, and therefore Russian residents are willing to use banking services in this neighboring country. At least the closest neighbors - Muscovites and St. Petersburgers - definitely come here to make their contribution. And there the number of wealthy people is much higher than in the rest of the country. Of course, there are some overheads waiting for them, but they can be easily covered.
For example, an account is opened for five thousand dollars (in rubles, this is approximately sixty for one). Five percent yield is already a benefit of twenty thousand per annum. Transport will fully fit into this framework, since once you need to personally come in order to further use the services mobile bank. It is equally beneficial to do this for car owners, who will travel from Moscow for the best deposits in Belarusian rubles to Vitebsk, for example, and for the “horseless”, who will buy a train or plane ticket.
Safety
The most interesting thing is that both citizens of the closest and not too close European countries also saw the benefit in Belarusian deposits. People come here more and more often from Poland, Switzerland, France, Germany, Italy, Spain, from all three Baltic countries, because the conditions are actually very attractive. Many European banks can offer clients not just zero, but even negative returns on their deposits.
Benefits of the Belarusian financial system no need to enumerate here. In total, there are twenty-six banks in the Republic of Belarus, and their work is regulated by National Bank. From there, the situation is closely monitored, and therefore the revocation of a license or even the suspension of activities is considered a mega-event. The last time this happened a long time ago with the Ukrainian branch of Delta Credit. Moreover, absolutely all payments were made, none of the depositors suffered, and therefore there was no negative precedent.
What Russian experts say
Russian experts are not so sure about the cloudlessness of the market situation banking services Belarus. For example, the vice-president of the Association of Banks in the Russian Regions is sure that it is not necessary to open deposits in Belarusian banks without special need. Moreover, he argues that the risks still exist, and considerable ones. Therefore, it makes sense for the investor to think many times before making this business tour.
Firstly, if some force majeure suddenly happens in Belarus, where will the government and the banks of the republic take foreign currency to give it to depositors? But such a need always happens suddenly, and no country is immune from this. The experts are right to be wary. To protect depositors, no state will be able to pay all amounts on deposits in a currency that this state does not issue. Count in this case You can only use Belarusian rubles.
Concerns
Let the representatives of the Russian banking community aggravate the danger a little, since not a single banker of ours will like the mass campaign of rich depositors in a neighboring country, and they will try to dissuade them from this step with all their might. But this position is also supported by independent experts, who remind that the economy of the Republic of Belarus is not too strong and not too strong, and in many respects (and in banking too) it depends on Russia.
And now Russia is in crisis. It is strange if people in Belarus hope to hide from him. High, in addition, and purely political risks. At the moment, Belarus is in great need of an influx of foreign currency, and therefore declares the above conditions. But tomorrow the situation may change, other needs will arise. And as always - suddenly and instantly. It is not a fact that the currency that Belarus has is enough for everyone. That is why Russian experts do not recommend playing such games. However, mass exodus has not yet been observed, there is only a certain trend.
JSC "ASB Belarusbank"
It is the largest bank in the republic. You can open a deposit both in the head bank and in subdivisions. Belarusbank provides the best deposits in Belarusian rubles in Brest and Vitebsk, Polotsk and Gomel to everyone. Internet deposits can be used to perform a variety of operations, including the conclusion of an agreement on printed documents certifying the acceptance of a public offer. Here they certify testamentary dispositions and even draw up powers of attorney, pay money by proxy to heirs.
And the best deposits in Belarusian rubles in Belarusbank are as follows. First of all, it is Revocable." Full information about the conditions can be obtained directly from the contact center of the bank. The opportunities for clients with the opening of this deposit appear extensive. The depositor can manage savings via the Internet or at the information kiosks of OJSC " ASB Belarusbank using your own payment card.
Advantages
The advantages of this deposit are the ability to open and manage a deposit without visiting the structural divisions of the bank, in the same way the deposit is replenished. Interest is capitalized monthly. The deposit is returned after the due date by simply transferring the balance of money, together with accrued interest, directly to bank card. Another of the best deposits in Belarusian rubles is "Classic irrevocable for a year" with 7.5% per annum.
The interest rate is fixed, you cannot deposit or withdraw this money additionally. Interest is capitalized at the end of the savings period. Long-term termination of the contract is also not provided. What is good about this contribution? And why do so many people prefer it? Because here the interest rate is fixed, and this money can be saved for a gift, that is, this deposit is completely open to any other person, and people use it.
JSC "Belvnesheconombank"
This is a respected and quite experienced bank in the republic, since it was opened in December 1991. Its activities are carried out under licenses from the National Bank and the Ministry of Finance - with permission to conduct professional, stock exchange activities, as well as those related to precious stones and metals. At the beginning of 2017, there were seventeen branches in the network of territorial divisions of the bank, which means that the best deposits in Belarusian rubles in Mogilev can also be found and opened, not only in Minsk.
In addition, the bank has three subsidiaries. The authorized capital is 117,407,500 Belarusian rubles, and only among compatriots it serves forty-three thousand individuals and four hundred and thirteen legal. Of the best deposits, we can advise "Vydatny" - an irrevocable deposit for six months with a rate of 10.4% per annum. Just as good is Universal Irrevocable, also for six months, with a rate of 10.2% per annum. In the second case, the interest rate is fixed.
What does Belvnesheconombank do?
The National Bank is allowed to attract any Money to accounts and deposits from legal entities and individuals (deposits); deposits can be at their own expense and on their own behalf, with the condition of urgency, payment, repayment; opening bank accounts, as well as in precious metals; settlement service and cash register persons physical and legal, correspondent banks; currency and exchange operations, purchase and sale of precious metals, deposits of precious metals.
In addition, the bank has the right to pay bank guarantees; trust management of deposits; collection of money, other valuables - precious stones and metals; issue of payment cards; issuance and placement on accounts valuable papers, which confirm the attraction of money for deposits; factoring; providing premises and safes to customers for depositing money, securities, precious metals, precious stones and the like; transportation of cash, payment instructions, precious metals and precious stones between banks and other organizations, delivery of valuables to customers.
Introduced a contribution with the festive name "New Year's".
Sberbank also made its profitable New Year's offer 2019-2020, which, as they say, depositors will not be able to refuse. This
"Favorable start" with a maximum rate of up to 5.85%.
"New Year's bonus", which can be opened at 5.25%.
Today we can already discuss what those who invest in Sberbank promo deposits by the New Year can get. Let's calculate how much you can earn on them. Maybe there are better options?
Deposit calculator
New Year's deposits in Sberbank 2019-2020: conditions and rates
Profitable start deposit
This is a promotional deposit for individuals, which can be issued only until January 31, 2020.
Why is he good? First of all, the interest rate. From 5 to 5.85% per annum in rubles for Sberbank - this is very good in today's times.
Why is he bad? Everyone else! Firstly, not everyone can apply for it. It is intended only for those who did not open a deposit with Sberbank from October 20, 2018 to November 20, 2019. That is, it is designed for new customers or those who have not had a deposit with Sberbank for more than a year.
Well, the rest of the minuses of the deposit are quite expected for such promotional deposits. This is the lack of the possibility of replenishment, partial withdrawal of funds from the account and complete termination of the contract without loss of interest. However, you can put up with this if you want to get a decent percentage in the RF Security Council.
The New Year's deposit "Favorable Start" is opened only online and at an ATM.
Deposit terms
Term: 6, 12, 18 months.
Amount: from 50,000 rubles.
Refill: No
Partial withdrawal: No
Interest: At the end of the term
Early termination: At a rate of 0.01%
Interest rates
|
6 months |
12 months |
18 months |
New Year's bonus deposit
This is another Sberbank promotional deposit with an increased interest rate, which can be issued in December 2019. But unlike the previous one, the New Year's Bonus can be opened not until the 31st, but only until January 15, 2020.
Why is he good? The fact that he does not have the main disadvantage of the previous deposit. "New Year's bonus" can be issued by everyone! Interest rates are also attractive. Note that the contribution is designed for a short investment of money.
It is suitable, for example, for those who want to profitably put off the annual bonus received in December in order to spend it in the next holiday season. But if you want not to spend, but to keep investing money, then the New Year's Bonus will not be an ideal choice. It is better to look at deposits for the long term in order to fix high stakes as long as possible, says Viktor Davidenko, an expert on deposit programs on the site.
You can apply for a New Year's Bonus both at a bank branch and remotely: via the Internet and at ATMs.
Conditions
Term: 4 - 9 months.
Amount: from 50,000 rubles.
Refill: no
Partial withdrawal: no
Interest: at the end of the term
Early termination: at a rate of 0.01%
Interest rates
|
4 - 6 months |
6 - 9 months |
9 months |
Calculation of New Year deposits of Sberbank 2019-2020
Let's calculate how much you can earn if you make deposits offered by Sberbank for the New Year 2020. For example, we will invest 100,000 rubles for various periods.
✓ 4 months - "New Year's bonus" with a rate of 4.85% will bring an income of 1,628 rubles. A “profitable start” cannot be opened for such a period.
✓ 6 months - "Favorable start" at 5% will bring an income of 2,527 rubles, and "New Year's bonus" with a rate of 4.85% will earn 2,451 rubles.
✓ 9 months - "New Year's bonus" with a rate of 5.25% will bring an income of 4,016 rubles. "Favorable start" for such a period is not issued.
✓ 12 months - "Favorable start" at 5.5% will bring an income of 5,642 rubles. "New Year's bonus" for 1 year can no longer be opened.
✓ 18 months - "Favorable start" with a rate of 5.85% will bring an income of 9,140 rubles. "New Year's bonus" for a year and a half is also not issued.
Conclusions: which of the New Year's deposits of Sberbank is the most profitable today?
As shown by our simple calculation, it is impossible to answer this question unambiguously. It all depends on how long you plan to deposit money. If you want to invest for 4 or 9 months, then the New Year's bonus will be more profitable. And if for 6, 12 or 18 months, then the Profitable Start will be more attractive.
This year, when choosing a winter holiday deposit, I do not advise you to go in cycles in Sberbank, continues Victor Davidenko, an expert on deposit programs on the site. For example, in Post-Bank, a New Year's deposit for 275 days (9 months) can be opened at 6.2% per annum. And Sberovsky "New Year's bonus" with the same period gives only 5.25% per annum.
Will interest rates rise in the future?
This question is being asked by many today. And here's what banking professionals have to say about this.
“If inflation does not accelerate, for example, due to external shocks, then we can expect a further reduction in rates on ruble deposits,” said the head of the operations department for the Russian stock market IC "Freedom Finance" Georgy Vashchenko.
Vyacheslav Putilovsky, junior director for banking ratings at Expert RA, believes that the downward trend in deposit rates is likely to continue until the end of this year. “At the same time, traditional New Year's shares on the deposit market are likely to cause a slight local increase in profitability, but will not change the trend,” he suggests.
And at all a sad picture is painted by the Chairman of the Board of the Bank "FC Otkritie" Mikhail Zadornov. According to him, the Russian population for the first time realizes that in banking system deposit rates can be 4% and 5%. “It is clear that a Russian citizen, who is mostly used to either buying housing as an investment or keeping money in banks, will pay more and more attention to investment products and investments,” he said.
Contacts for information
Learn more about the conditions and interest rates of the new deposit of Sberbank, as well as other deposits, on the official website www.sberbank.ru or at bank branches.
Contributions (deposits) in Belarusian rubles are monetary placement of financial resources (in Belarusian rubles) on a certain period at a fixed or floating rate. in Belarusian rubles are the most popular in our country. This is due to the higher interest rate compared to.
Historically, due to the high devaluation of the Belarusian ruble, deposits in the national currency have always been distinguished by their higher rate compared to other deposits. However, the National Bank of the Republic of Belarus, starting from 2016, managed to balance the significant discrepancy between interest rates deposits in Belarusian rubles and deposits in foreign currency.
Deposits in Belarusian rubles, as well as deposits in foreign currency, are revocable and non-revocable, with the possibility of replenishment and without the possibility of replenishment, short-term and long-term.
When concluding a banking agreement, it is necessary to take into account its duration, since from April 1, 2016, the income part of deposits for up to 365 days is taxed income tax. However, if its term exceeds 365 days, then the income part of such a contribution is not subject to income tax.
To open a deposit in any currency, the obligatory conditions are a civil passport (residence permit) and a certain minimum amount for down payment. But, if you open an online deposit using or mobile application, then it will suffice to do only remittance according to the terms of the contract. The advantage of the Internet deposit is its speed in registration without the need to visit a bank branch. The disadvantage is a lower interest rate compared to a deposit opened directly with the bank.
This page contains offers on deposits in Belarusian rubles from various banks in Belarus. Here you can learn more about the interest rates and conditions of each deposit, if necessary, get advice from a bank employee. Additional features of our portal and the availability of sorting bank offers will help you further make a profitable deposit with the highest interest rate.
All deposits are insured. The state guarantees the complete safety of deposits in banks in accordance with the Decree of the President of the Republic of Belarus dated 04.11.2008 No. 22 "On guaranteeing the safety of funds of individuals placed on accounts and (or) in bank deposits", Law of the Republic of Belarus dated 08.07.2008 No. 369-3 "On guaranteed reimbursement of bank deposits (deposits) of individuals".