Agroprombank interest on deposits. Deposits in Belagroprombank in foreign currency. Which deposit is better to open for individuals in Belagroprombank? Put money at interest in Belagroprombank

The choice of a bank deposit is always the most important stage for any depositors, because it will depend on it how much profit their own savings will bring, whether they will cover the inflation rate. In Belarus, one of the popular banks is Belagroprombank, and its deposit offers are in no way inferior to the programs of large Russian banks, such as Sberbank, Rosselkhozbank and others. Let's try to figure out which Belagroprombank deposits for individuals are available today, their parameters.

Growth line 3.0

This is a deposit product that provides a lot of opportunities for its customers and ensures the maximum growth of their own investments. According to the terms of the banking application, you can open an account in any currency, namely the dollar, euro, Russian and Belarusian rubles, the minimum amount is 10/10/500/10 units for each currency, respectively.

Regardless of the deposit currency, the term of the deposit agreement is 35, 95, 185, 280 days. The interest rate depends on the period of placement of money in the account and the currency. For Belarusian rubles and the minimum value is 4% per year for a period of 35 days, it increases by 0.5 points for each subsequent period. For Russian rubles, the minimum rate is 3% for a period of 35 days, it increases by 0.5 points for each subsequent period. For deposits in dollars and euros, interest rates are distributed as follows: 0.3/0.5/0.8/08 points for each term, respectively.

Interest is paid monthly on the day of receipt of funds to the deposit account.
With regard to the automatic extension of the contract, the prolongation is possible for contracts concluded for a period of 35 and 95 days. But if the contract is concluded for 35 days, then it can be automatically extended 8 times, if for 95 days, then only twice, and contracts concluded for a period of 185 and 200 days are not subject to auto-renewal at all. By the way, the peculiarity of this deposit offer is that the deposit account can be replenished in the amount of 1 Belarusian ruble 5 dollars and euros, 100 Russian rubles.

Growth line 3.0 above a year

This is similar to the previous offer, with the only difference being the timing of the placement of funds and annual interest. Deposit currency Belarusian rubles, dollars, euros, Russian rubles, the minimum investment amount is 10, 10, 10, 500 units responsibly. Among other things, the deposit is replenishable, the minimum investment amount is from 1 Belarusian ruble, 5 dollars or euros, or 500 Russian rubles.

The interest rate depends entirely on the term and currency of the deposit. By the way, as for the terms, they are 370, 735 or 1110 days. Now back to the issue of interest rates, the minimum value for an account opened in Belarusian rubles is 8% for the minimum term, then the annual values ​​increase by 0.5 points for each term, respectively. The minimum percentage for dollars and euros is 1.65%, which increases as the term increases by 0.05 points. For a deposit in Russian rubles, the rate will be fixed at 5%, regardless of the term of the agreement.

Please note that under this deposit offer, the terms of the bank do not provide for the prolongation of the agreement for the next term.

Term deposit Standard

If you are looking for profitable deposits in Belagroprombank in foreign currency, then this offer will be just for them. According to the terms of this offer, a depositor can open a deposit account in 3 currencies: Belarusian rubles, dollar/euro or Russian rubles. The amount of investment is 50 Belarusian rubles, dollars or euros, or 3,000 Russian rubles. Early receipt of cash by the terms of the contract is not provided. The terms of the contract are 95, 185, 37, 735 days. Account replenishment is allowed in the amount of 1 Belarusian ruble, 5 dollars / euro or 100 Russian rubles, depending on the deposit currency.

The annual return on the deposit depends on several factors: for an agreement with a variable interest rate, the annual value will depend on the term and currency. For the domestic currency, the annual value will be distributed as follows: 95 days - 7%, 185 - 8%, 370 - 10%, 735 - 11.5%. For dollars in euros, the annual profit is distributed as follows: 95 days - 0.8%, 185 - 1.3%, 370 - 2.4%, 735 - 2.5%.

For agreements with a variable interest rate, the profit is distributed as follows, depending on the term of the agreement and the deposit currency. Deposit in Belarusian rubles: 95 days - 6%, 185 - 7%. for Russian rubles: 95 - 185 days 5%, 370 - 735 days - 6%. For accounts in foreign currency dollars and euros, the rates are as follows: 95 days - 0.8%, 185 days - 1.3%, 370 - 735 days - 2%.

Auto-renewal of the contract for the next term within the framework of this offer is not provided for by the terms of service.

25 years together

As part of this offer, you can also open a deposit in domestic currency, dollars, rubles and euros. The minimum deposit amount is 100 units of Belarusian rubles, dollars or euros, or 5,000 Russian rubles. The term of the contract is 370 days. This deposit offer provides for the capitalization of interest, and every 10 days, if the remuneration on the deposit was not received by the depositor. The interest rate depends on the deposit currency and is distributed as follows:

• Belarusian rubles - 4.5%;
• dollar and euro-0.8%;
• Russian rubles - 4%.

As for other conditions, the deposit can be replenished in the amount of 1 Belarusian ruble, 5 dollars and euros, and 100 in Russian rubles. Partial cash withdrawal is not provided, with the exception of interest already accrued. Prolongation is not provided, if at the end of the term of the agreement the deposit remains unclaimed by the depositor, then the entire amount of his savings will be transferred to the “on demand” account.

Please note that within the framework of this offer, for the first 95 days of the deposit agreement, profit will be accrued at the “on demand” rate, that is, 0.01% per annum, then the profitability will depend on the deposit currency.

"@GRO"

This is a specialized deposit offer for Belagroprombank clients, because opening a deposit is possible if there is a payment card linked to the client's current account. Accordingly, the deposit currency will be the same as the open bank account. And you can open a bank account in national and foreign currencies. The minimum investment is 50 Belarusian rubles, 25 dollars or euros, 2000 Russian rubles.

Please note that only individuals who use Internet banking can become a depositor under this program.

The term of placement of funds is 35, 95, 185 and 370 days. The annual yield was distributed depending on the term and currency, the bank accrues interest on the account in Belarusian rubles as follows: 35 days - 4.5%, 95 - 6.5%, 185 - 7.5%, 370 - 9%. For a deposit in dollars or euros: 35 days - 0.5%, 95 - 1%, 185 - 1.4%, 370 - 1.9%. For a deposit in Russian rubles: 35 days - 4%, 95 - 5%, 185 - 5.5%, 370 - 6.5%. According to the terms of service, the account is replenishable, you can deposit additional amounts through Internet banking. You cannot withdraw cash, interest is paid at the end of the contract, capitalization is carried out monthly.

"Care"

From the previous deposit products, we can conclude that Belagroprombank's deposits in Belarusian rubles have a higher yield compared to others. The "Care" deposit is available for the bank's customers only in the national currency. The peculiarity of this offer is that the term and the rate on it are fixed. Term of placement of funds 370 days, interest 8% per year. You can replenish the deposit, withdraw cash only within the accrued interest. The minimum amount is from 10 Belarusian rubles.

Pension and demand deposits

In addition to profitable irrevocable deposits, Belagroprombank can open current accounts and pension deposits with a minimum return. As for the pension deposit, it is, in fact, a current account available to citizens of Belarus of retirement age, which can only be opened in the national currency. Interest rate 0.1%, profit accrued monthly. You can replenish your account and withdraw cash without restrictions.

Please note that a current account for pensioners can be opened for transferring social benefits.

The “on demand” account is designed for a wider audience, it is needed for the storage and movement of funds, it can be opened in different currencies: Russian and Belarusian rubles, dollars or euros. Interest rate fixed for all: 0.01%. There are no restrictions on depositing and withdrawing cash. By the way, it is to such accounts that unclaimed deposits are received at the end of their validity period, without the possibility of prolongation. And the interest rate will be valid in case of early withdrawal of the deposit.

Deposit replenishment methods

As you can see, almost all deposits in Belagroprombank are replenishable, so the question of how to replenish them is always relevant for the client. In fact, there are not so many ways to replenish an account, more precisely, the client has only three options:

• through the cash desk of the bank;
• through self-service devices;
• by bank transfer from a bank card account through an online Internet banking service.

By the way, in order to make a transfer to the deposit account, you need to know its number (it is indicated in the service agreement), the last name, first name and patronymic of the depositor and the number of the bank branch where the agreement was concluded.

Thus, every resident of Belarus can open foreign currency deposits in Belagroprombank, but they are not highly profitable, although there is an opportunity to receive additional income from the exchange rate difference in the event of a jump in the value of foreign currency. The most profitable accounts can only be opened in Belarusian rubles, because it is for them that the annual interest can reach 11.5% per annum.

Belagroprombank is a Belarusian financial institution that has recently been developing dynamically and is constantly expanding its client base. Currently, for individuals, the bank's management offers profitable deposits that can be issued in any type of currency.

Management reviews its accounting policies annually and increases interest rates and conditions on certain deposits.

Conditions

Deposit programs from Belagroprombank are issued on the following terms (they may differ depending on the type of deposit):

• partial withdrawal;
• early termination of the contract;
• replenishment;
• monthly payment of interest income;
• in all types of currencies;
• offers for pensioners;
• interest capitalization;
• flexible terms of placement;
• maximum profitability;
• the possibility of carrying out expenditure transactions, etc.

How to open?

In order to issue Belagroprombank deposits, private investors need to act in a certain sequence:

1. Visit a financial institution (personal presence is required).
2. Choose a deposit program that suits all parameters.
3. Transfer the package of documents to the employee of the financial institution.
4. Sign a deposit agreement.
5. Deposit your savings into the bank's cash desk (not lower than the established minimum).

Bank ruler

Today Belagroprombank presented the following deposit products for individuals.

They have different conditions, so private investors should carefully study them before registration:

Deposit Start

This deposit product can be opened in several types of currency Russian rubles/dollars/euro/Belarusian rubles.

The term of the contract is 95 days. Interest fluctuates in the range: 13.00/4.50/4.50/25.00.

The amount of the deposit product (minimum) is 25 000 (rubles)/ 1,000 (other types of currency). Expenditure operations, replenishment, automatic prolongation are allowed under this program.

Grow's contribution is big

Such a program is intended for children whose age starts from the age of 6 and is limited to 18 years.

The minimum deposit amount for this deposit product is 1,000,000 Belarusian rubles. For deposit holders, the management of the bank provides annual gifts.

Do you want to know how to get a credit card from Rusfinance Bank? Then the information presented in ours will be very useful to you.

If you want to know how to get, then you need to follow the link.

Contribution Standard

This deposit can be made in different currencies: Belarusian rubles / Russian rubles / euros / US dollars.

The duration of the program ranges from 958 to 735 calendar days. The rate for each type of currency is set individually.

Children's

Today, Belagroprombank's line of deposits does not include offers designed specifically for children.

Despite this, parents or guardians can open any deposits for minors.

When making a deposit, they should pay attention to the Growth Line program, which provides for the capitalization of interest income.

Deposits in foreign currency in Belagroprombank

Almost all deposit products from Belagroprombank can be opened in foreign currency.

Private investors need to prepare Russian rubles / dollars / euros in the amount of 500/10/10.

Rates can start from 0.10% and end at 12.00 (for Russian rubles).

Offers for pensioners

The pension program from Belagroprombank can be issued in Belarusian rubles. The annual interest rate on it is set in the range of 2.00%.

As for the timing, there are no restrictions.

Interest

Belagroprombank individually develops interest rates for each deposit program.

Individuals who have chosen the deposit products of this financial institution as investment objects should expect the following income:

Insurance

Belagroprombank does not impose compulsory participation in insurance on private investors.

If an individual expresses a desire to purchase a policy, he can independently choose an insurer and carry out the necessary procedure with him.

All deposit programs of this financial institution take part in the state program, which protects the deposits of individuals from possible risks.

Requirements for depositors

The management of Belagroprombank willingly cooperates both with individuals and with representatives of medium, large and small businesses.

Trying to regularly expand its client base, this financial institution is very loyal to each potential investor.

To open a deposit, private depositors must fulfill the following requirements of Belagroprombank:

• reach the age of majority;
• collect the necessary documents;
• accumulate the minimum amount of funds for the deposit.

Documentation

In order to invest in deposit products of Belagroprombank, individuals need to form a minimum package of documents, which should include only a civil passport and an identification number.

If a person of advanced age plans to become a private investor, he should enclose his certificate of a pensioner in the package of documents.

In the event that parents or guardians make a deposit for a minor, the deposit holder's birth certificate should be added to the collected documents.

How to withdraw money?

To withdraw funds from a deposit, private investors need to contact the bank branch where the deposit was made.

If this procedure is provided for by the contract, then there will be no problems and no need to write any statements.

In the event that a private investor needs to terminate the deposit agreement in order to withdraw funds, he should remember to recalculate interest.

In domestic currency (Belarusian rubles) the rate will be 0.50%, in foreign currency - 0.10% (euro, Russian rubles, US dollars).

Advantages and disadvantages

By deciding to start cooperation with Belagroprombank, individuals will be able to get a lot of advantages:

• each deposit product is protected by the state program against possible risks;
• if necessary, depositors can replenish their deposits, partially withdraw funds from them, close accounts ahead of schedule;

• private investors can independently monitor the status of their deposits;

• individuals are given the opportunity to study statements through the client-bank;
• a huge number of deposit products are offered for private investors;
• almost all deposits can be opened both in domestic and foreign currencies, etc.

Over the past few years, Belagroprombank has acquired the main features of a diversified credit institution. His clients include not only individuals, but also large enterprises from various industrial sectors. At the moment, interactions with other financial institutions are clearly debugged.

Many people consider Belagroprombank deposits as an additional source of income. The institution has developed a large number of special programs for them.

"Maximum"

One of the interesting offers for individuals is a term irrevocable deposit "Maximum". It does not provide for any special conditions and benefits for certain categories of citizens. The main term depends on the currency in which the account is opened. Interest is added to the principal amount of the deposit or transferred to the account.

Attention: additionally, see . The institution is the largest in Belarus.

"Max Plus"

Of all the deposits of Belagroprombank, this one should also be singled out. Opening an account is carried out by non-cash transfer of funds. Three major currencies are available to consumers. Accrued interest is added to the amount that was deposited when opening an account.

Important: to find, you need to compare several programs with each other at once, and then choose the offer that implies the highest possible rate.

"@gro"

To open a deposit, it is proposed to use a remote method. There is no need to visit a bank branch, just go to the website and make a deposit in 5 steps. Within the framework of this program, the timing varies. Consumers can choose the most suitable time period. As the period increases, the rate increases.

"@gro irrevocable"

Another option with the possibility of remote opening. It differs from the previous deposit of Belagroprombank by higher rates. As for the rest of the conditions, they are very similar. However, it should be noted that there is no possibility to replenish the set in this case.

For your information: not so easy to find. There are a huge number of banking offers on the market that have completely different conditions and rates.

"Standard"

Within an existing deposit, the interest rate can be variable or fixed. You can choose one of the four available monetary units. When opening a deposit for a longer period, it is possible to replenish the account.

On a note: although the American dollar is not, it is in demand in many countries. This monetary unit occupies a leading position in terms of liquidity.

“Growth line 3.0. Up to a year"

Considering the deposits of Belagroprombank, one cannot fail to single out an improved savings program that opens up new opportunities for customers. Interest on the deposit is paid in cash or by transfer to the specified account.

Options	Currency
	Belorussian rubles	U.S. dollars	Russian rubles	Euro
Deposit rate	4-7,9	0,6-1,2	2-4	0,1-0,3
Minimum deposit	10	10	500	10
Term in days	35, 95, 185 and 280
Possibility to replenish the account	Exists for deposits for a period of 95 days
Carrying out debit transactions	No provided

“Growth line 3.0. Over a year"

The deposit is similar in many respects to the previous option, but the terms in this case are significantly increased. As for interest charges, they are monthly added to the principal amount or transferred to the account reflected directly in the application.

Options	Currency
	Rubles RB	U.S. dollars	Russian rubles	Euro
Interest rate	8	1,5-2	4	0,4-0,5
Minimum deposit	10	10	500	10
Term in days	370, 735 or 1110
Depositing money after opening an account	Maybe
Partial Withdrawals	Not allowed

Interesting: listed deposits can be compared with . The institution for individuals offers special programs with additional opportunities.

"Care"

For older people who receive state benefits and pensions, Belagroprombank offers a special product. The deposit is available to clients at the place of registration of the pension account "Care". The base currency is only the Belarusian ruble.

Basic conditions:

• fixed rate - 7,9% ;
• the minimum available amount is 10 rubles of the Republic of Belarus;
• the standard term for keeping money is 270 days;
• replenishment of the account is possible within 235 days after the opening of the deposit;
• partial recovery of funds is allowed.

Additionally: can be taken for comparison. Within the framework of the developed programs, there are quite attractive offers for the bulk of consumers.

"Deposit card"

When registering a deposit account, a MasterCard Standard plastic card is issued. Money can be stored on the card both in Belarusian rubles and in US dollars or European currency.

Conditions for opening a deposit:

• bid - 4% when stored in rubles of the Republic of Belarus, 0,7% — in US dollars, 0,1% - In Euro;
• the minimum amount is 100 units for all currencies;
• the card is valid for 315 days;
• term - 360 days;
• replenishment of the account is allowed using a card;
• there is a possibility of partial withdrawal of money.

Summing up

It can be seen that there are a lot of options for opening Belagroprombank deposits, so most consumers will be able to find the best solution for themselves. Offers with higher rates deserve special attention, since in this case it will be possible to get the highest income.

For many customers, the option with a deposit card may be suitable. With its help, it is allowed to carry out income and expenditure transactions, which is very convenient for citizens.

One of the effective ways to save and increase your own funds is a deposit. Money is transferred to a certain account, after a certain period of time it is returned to the client with interest. The opportunities offered by Belagroprombank are interesting, the deposits of this financial organization are diverse. Each client will find the type of deposit that seems most convenient to him.

Before proceeding to the consideration of possible types of deposits, it is necessary to determine the main parameters that determine the structure of each deposit. It depends on how convenient this or that deposit is, what risks it carries, whether it satisfies his plans.

Among these options:

• the term for which the deposit is opened;
• interest rate, whether it is possible to change it;
• sum;
• currency;
• extension option;
• replenishment;
• option of partial or early withdrawal of the amount;
• the possibility of using percentages.

These moments constitute the main conditions of each deposit. They need to be clarified before the money is invested in order to avoid misunderstandings and unforeseen consequences in the future.

Growth line 3.0. Up to a year

Deposit “Growth line 3.0. Up to a year." You can choose one of four monetary units: Belarusian ruble, Russian Federation, euro, US dollar.

The term for which the agreement is drawn up is thirty-five, ninety-five, one hundred and eighty-five and two hundred and eighty days.

Key parameters:

Cash in the form of accrued interest is paid on a monthly basis. Partial early receipt of money is not allowed. The possibility of replenishment is realized on the condition that at least thirty-five calendar days remain before the expiration date of the deposit.

General replenishment conditions:

Automatic renewal is possible only if the deposit is open for a period of thirty-five or ninety-five days. The interest rate is fixed on the renewal date. The term of the deposit without the participation of the client is extended eight times, provided that it is open for thirty-five days, and two times, if it is open for ninety-five days.

An extension of an agreement concluded for 185 or 280 days is not provided.

Depositors are offered the deposit “Growth Line 3.0. Over a year." You can use it in one of four monetary units: Belarusian ruble, Russian Federation, euro, US dollar.

It is possible to open for a period of 370, 735, 1. 110 calendar days.

Key parameters:

Interest is calculated and paid on a monthly basis. This option does not depend on the deposit opening period. Partial early withdrawal of the invested amount is not allowed. The possibility of depositing funds is realized on the condition that at least thirty-five calendar days remain until the expiration date of the deposit.

The opportunity to replenish the deposit amount with additional funds is provided only if it is open for a period of 735 and 1.110 calendar days.

For a deposit with a validity period of 735 days, contributions are accepted only during the first year. For a deposit opened for 1,110 days, in the first 740 calendar days.

In order to open a deposit, you must deposit a certain minimum amount. Its size depends on the currency, is:

1. one Belarusian ruble;
2. five US dollars;
3. five euros;
4. one hundred rubles of the Russian Federation.

Automatic renewal of the deposit is not expected. After the expiration of the agreement, the funds are transferred to the account "On Demand". From the moment of transfer, interest is accrued at the rates valid for this type of deposit.

Term revocable deposit "@gro"

At first glance, the “@gro” contribution is similar in structure to the “Growth Line 3.0. Up to a year." However, if we consider it in monetary terms, it differs significantly from this deposit.

Main differences:

1. a different interest rate is used;
2. there is a different amount of the minimum contribution;
3. there is no auto-renewal option.
4. interest is included in the deposit amount, it is impossible to receive it before the end of its term.

Key parameters:

The peculiarity of the deposit is that it can only be opened in the monetary unit of the account that the potential depositor already has. A bank card is usually attached to it.

The possibility of replenishment is realized on the condition that at least thirty-five calendar days remain until the day the deposit agreement expires.

The general replenishment conditions are as follows:

Term irrevocable deposit "@gro"

It differs from the previous one in the possibility of receiving accrued interest before the date until which the deposit is valid. No refill option.

Key parameters:

A deposit can only be opened in the currency of the account that the client already has and to which the bank card is linked.

The "Standard" option is urgent and irrevocable. The agreement on opening a deposit is concluded in Belarusian and Russian rubles, euros, dollars. It is possible to open it for 95, 185, 370, 735, 1.110 calendar days. Variable and fixed rates are used.

Key parameters:

Term irrevocable deposit "Maximum"

The Bank provides for the possibility of opening this type of deposit for two different periods. They depend on the currency:

• a deposit in Belarusian rubles is opened for 370 calendar days;
• in Russian rubles, US dollars, euros - for 735 days.

Key parameters:

The possibility of replenishment and early withdrawal is not provided.

Interest is calculated every month. Paid either monthly or with the principal amount.

Term irrevocable deposit "Deposit card"

The advantage of this type of deposit is that you can use the deposited money, observing only the daily limit, as well as the amount of the minimum balance.

The agreement provides an opportunity to replenish the account with any amount, but only through a bank card. Payments transferred as wages, alimony, are not considered replenishment.

There is a possibility to terminate the contract ahead of time. However, there is a restriction - this should be done no earlier than forty-five days from the date of the application.

Monetary units used to open a deposit:

1. ruble of Belarus;
2. U.S. dollar;
3. Euro.

Key parameters:

The account is linked to the depositor's card. There is no possibility of issuing an additional card.

Poste restante

Any client has the opportunity to use the "On Demand" deposit. The conditions do not imply restrictions on the time of receiving and depositing money.

The rate per year is the same for any currency: the Belarusian ruble, the Russian Federation, the US dollar, the euro. It is 0.1%.

Especially for pensioners and people who receive benefits, Belagroprombank offers the “Care” deposit.

Key parameters:

1. monetary unit - Ruble, Belarus;
2. opens for two hundred and seventy calendar days;
3. interest rate – 7.9%/year;
4. the minimum amount of the first installment cannot be less than ten rubles;
5. accrued interest can be accumulated or paid every month;
6. there is an option to deposit money. The minimum deposit is one ruble;
7. there is no extension. After the expiration of the term, the money is transferred to the deposit "On Demand". After the transfer, the calculations are performed at the corresponding rates.

Deposit "Pension"

The key parameters of the pension deposit are similar to the conditions of "On Demand", however, it is opened only in one monetary unit - the ruble, Belarus.

Interest rate – 0.1%/year. Time is not limited. Interest is calculated monthly. There are no restrictions on withdrawing money and adding it to the account.

Replenishment methods

Provided that the deposit parameters provide for the possibility of replenishment, it is important to know how it can be used.

Belagroprombank provides 3 ways to replenish:

• cash desk of a credit institution;
• ATMs;
• transfer online from another account.

To make a transfer, you must have information about the full name of the account holder, its number, details of the bank branch in which the deposit opening agreement was concluded.

Interest payment methods and deposit amounts

Payment of interest, if this possibility is provided for by the deposit, and the principal amount is made in cash through the bank's cash desk, by bank transfer to an account agreed by the parties.