Existing types of term bank deposits in Belarusian rubles opened with branches of the bank

Successful Irrevocable

Irrevocable term bank deposit in Belarusian Rubles "Successful Irrevocable" – deposit term comprises 13 months, debit operations on deposit are performed within the balance of capitalized and unclaimed interest, additional contributions not available, premature withdrawal is performed with the Bank's consent only.

The deposit is opened within the 'Persona' Club.

Advantages:

- high interest rate;

- deposit can be opened in favor of another person;

- monthly capitalization of interest.

Conditions:

Term of deposit:

13 months

Minimum amount of initial deposit:

BYN 100,000.00

Baseline rate

overnight rate of the National Bank of the Republic of Belarus (OR NBRB)

Annual interest rate (% per annum):

within the first 3 (three) months of the deposit term – 12,6% per annum

(fixed annual interest rate)

 

upon expiry of the first three months of the deposit term – 11,95%

(OR NBRB plus 1 percentage point)

(variable annual interest rate)

Replenishment:

not available

Debit operations:

capitalized interest

Automatic renewal (prolongation) for another term:

not available

Variable annual interest rate changes subject to alteration of the baseline rate on the day following the day of such alteration.

Fruitful Irrevocable

Irrevocable term bank deposit in Belarusian Rubles "Fruitful Irrevocable" – deposit term comprises 13 months, debit operations on deposit are performed within the balance of capitalized and unclaimed interest, additional contributions not available, premature withdrawal is performed with the Bank's consent only.

Advantages:

- high interest rate;

- deposit can be opened in favor of another person;

- monthly capitalization of interest.

Conditions:

Term of deposit:

13 months

Minimum amount of initial deposit:

BYN 150.00

Baseline rate:

overnight rate of the National Bank of the Republic of Belarus (OR NBRB)

Variable annual interest rate (% per annum):

11,85%

(OR NBRB plus 1.1 percentage points)

Replenishment:

not available

Debit operations:

capitalized interest

Automatic renewal (prolongation) for another term:

not available

Variable annual interest rate changes subject to alteration of the baseline rate on the day following the day of such alteration.

Fruitful Revocable

Revocable term bank deposit in Belarusian Rubles «Fruitful Revocable» – deposit term comprises 3 or 6 months, debit operations on deposit are performed within the balance of capitalized and unclaimed interest, possibility of replenishment, premature withdrawal with recalculation of interest.

Advantages:

- high interest rate;

- possibility of replenishment:

- deposit can be opened in favor of another person

Conditions:

Term of deposit:

3 months

6 months

Minimum amount of initial deposit:

BYN 150.00

Baseline rate:

overnight rate of the National Bank of the Republic of Belarus (OR NBRB)

Variable annual interest rate (% per annum):

6,45%

(OR NBRB minus 4,3 percentage points)

6,55%

(OR NBRB minus 4,2 percentage points)

Replenishment:

before the first day of the last month of deposit term

Debit operations:

capitalized interest

Automatic renewal (prolongation) for another term:

not available

Variable annual interest rate changes subject to alteration of the baseline rate on the day following the day of such alteration.

Classic Irrevocable Convenient

Term irrevocable bank deposit "Classic Irrevocable Convenient": deposit term – 230 days, possibility to replenish within the first 30 days, debit operations on the deposit are performed within the balance of capitalized and unclaimed interest, early return of deposit is performed only upon the Bank's consent.

Advantages:

- high interest rate;

- interest is capitalized monthly and on the deposit maturity date;

- a deposit can be opened in favor of another person;

- possibility to replenish your deposit within the first 30 days without restrictions

Conditions:

Term of deposit:

230 days

Minimum amount of initial deposit:

BYN 300.00

Baseline rate:

overnight rate of the National Bank of the Republic of Belarus (OR NBRB)

Variable annual interest rate (% per annum)

9,65% (OR NBRB minus 1.1 percentage points)

Replenishment:

first 30 days of the deposit term

Debit operations:

capitalized interest

Automatic renegotiation (renewal) for another term:

not available

Variable annual interest rate changes subject to alteration of the baseline rate on the day following the day of such alteration.

Classic Irrevocable Bright

Term irrevocable bank deposit in Belarusian rubles "Classic Irrevocable Bright": deposit term – 45 days, fixed interest rate, interest is capitalized at the end of deposit term, debit operations on the deposit are not allowed, early return of deposit is performed only upon the Bank's consent.

Advantages:

- high interest rate;

- fixed interest rate;

- a deposit can be opened in favor of another person;

Conditions:

Term of deposit:

45 days

Minimum amount of initial deposit:

BYN 150.00

Fixed annual interest rate (% per annum):

9.2

Replenishment:

not available

Debit operations:

not available

Automatic renegotiation (renewal) for another term:

not available

Spring (version 2.0)

Term irrevocable bank deposit in Belarusian rubles "Spring (version 2.0)": deposit term – 105 days, possibility to replenish within the first month, debit operations on the deposit are not allowed, early return of deposit is performed only upon the Bank's consent.

Advantages:

- high interest rate;

- fixed interest rate;

- a deposit can be opened in favor of another person;

- interest is capitalized monthly and on the deposit maturity date;

- possibility to replenish your deposit within the first month of the deposit term;

Conditions:

Term of deposit :

105 days

Minimum amount of initial deposit:

BYN 500.00

Fixed annual interest rate (% per annum):

9.4

Replenishment:

within the first month

Debit operations:

not available

Automatic renegotiation (renewal) for another term:

not available

Classic Irrevocable Spring

Term irrevocable bank deposit in Belarusian rubles «Classic Irrevocable Spring»: deposit term – 195 days, debit operations on the deposit are not allowed, early return of deposit is performed only upon the Bank's consent.

Advantages:

  • high interest rate;
  • a deposit can be opened in favor of another person;
  • interest is capitalized monthly and on the deposit maturity date;

Conditions:

Term of deposit:

195 days

Minimum amount of initial deposit:

BYN 500.00

Baseline rate

overnight rate of the National Bank of the Republic of Belarus (OR NBRB)

Variable annual interest rate (% per annum):

9,45% (OR NBRB minus 1.3 percentage points)

Replenishment:

not available

Debit operations:

not available

Automatic renegotiation (renewal) for another term:

not available

Variable annual interest rate changes subject to alteration of the baseline rate on the day following the day of such alteration.

Classic Irrevocable up to a year

Term irrevocable bank deposit in Belarusian rubles “Classic Irrevocable up to one year”: deposit term – 9 months, possibility to replenish, debit operations on the deposit are performed within the balance of capitalized interest, early return of deposit is performed only upon the Bank's consent.

Advantages:

  • a deposit can be opened in favor of another person;
  • possibility to replenish before the last 6 months of deposit term.
  • monthly capitalization of interest.

Conditions:

Term of deposit:

9 months

Minimum amount of initial deposit:

BYN 150.00

Baseline rate:

overnight rate of the National Bank of the Republic of Belarus (OR NBRB)

Interest rate (% per annum):

6.9% (OR NBRB minus 4.6 percentage points)

Variable annual interest rate (% per annum)

on a common basis

6,15 (OR NBRB minus 4.6 percentage points)

within the "Barkhat" Club

9,25 (OR NBRB minus 1.5 percentage points)

Automatic renegotiation (renewal) for another term:

not available

Variable annual interest rate changes subject to alteration of the baseline rate on the day following the day of such alteration.

Classic Irrevocable for over a year

Term irrevocable bank deposit “Classic Irrevocable over one year”: deposit terms – 18 and 24 months, possibility to replenish, debit operations on the deposit are performed within the balance of capitalized interest, early return of deposit is performed only upon the Bank's consent.

Advantages:

  • high interest rate;
  • a deposit can be opened in favor of another person;
  • monthly capitalization of interest;
  • possibility to replenish before the last 12 months of the deposit term.

Conditions:

Term of deposit:

18 months

24 months

Minimum amount of initial deposit:

BYN 150.00

Baseline rate

overnight rate of the National Bank of the Republic of Belarus (OR NBRB)

Variable annual interest rate (% per annum):

11,8% (OR NBRB minus 1.05 percentage points)

11,83% (OR NBRB minus 1.08percentage points)

Replenishment:

before the last 12 months of the deposit term

Capitalization of interest

Monthly capitalization of interest

Automatic renegotiation (renewal) for another term:

not available

Variable annual interest rate changes subject to alteration of the baseline rate on the day following the day of such alteration.

Classic Irrevocable for Children

Term irrevocable bank deposit in Belarusian rubles “Classic Irrevocable for Children”: deposit terms – 3, 4 and 5 years, possibility to replenish, debit operations on the deposit are performed within the balance of capitalized interest, early return of deposit is performed only upon the Bank's consent.

The deposit is accepted in the name of a minor aged up to 18 years from persons notwithstanding their kin relations or, to the extent permitted by law, from the minor himself.

Advantages:

  • possibility to open in the name of another person;
  • possibility to replenish the deposit before the last 12 months of the deposit term.
  • monthly capitalization of interest.

Conditions:

Term of deposit:

3 years

4 years

5 years

Minimum amount of initial deposit:

BYN 200.00

Baseline rate

Overnight rate of the National Bank of the Republic of Belarus (OR NBRB)

Variable annual interest rate (% per annum)

11,93 (OR NBRB minus 1.18 percentage points)

11,94 (OR NBRB minus 1.19 percentage points)

11,95 (OR NBRB minus 1.2 percentage point)

Deposit replenishment

possibility to replenish the deposit before the last 12 months of the deposit term.

Early termination of agreement

not available (allowed only with the bank's consent)

"Classic Irrevocable for 1 year" with a fixed interest rate

Term irrevocable bank deposit "Classic Irrevocable for 1 year" with a fixed interest rate: deposit term – 1 year, additional contributions and debit transactions are not provided for, interest is capitalized at the end of the deposit term, early return of deposit is performed only with the Bank's consent.

Advantages:

  • fixed interest rate;
  • possibility to open in the name of another person.

Conditions:

Term of deposit:

of the year 1

Minimum amount of initial deposit:

BYN 100.00

Fixed annual interest rate (% per annum):

7.5

Replenishment:

not available

Debit operations:

not available

Automatic renegotiation (renewal) for another term:

not available

Free Choice

Within the "Free Choice" multi-purpose product it is offered to an individual to open a term irrevocable bank deposit in Belarusian rubles "Free Choice".

Advantages:

  • receiving a set of products and services (international payment card, overdraft, connecting to the Internet Banking system);
  • deposit is returned upon maturity by transfer of remaining funds with accrued interest to the bank card.
  • deposit replenishment according to the bank deposit agreement:

Conditions:

Term of deposit:

11 months

24 months

Minimum amount of initial deposit:

BYN 500.00

Baseline rate

Overnight rate of the National Bank of the Republic of Belarus (OR NBRB)

Variable annual interest rate (% per annum)

9,25 (OR NBRB minus 1.5percentage points)

11,75 (OR NBRB minus 1 percentage point)

Replenishment:

before the last 6 months of the deposit term

before the last 12 months of the deposit term

Interest is paid by transfer of accrued interest to the payment card

upon the expiry of each month of deposit term

on the day of expiry of deposit term

Variable annual interest rate changes subject to alteration of the baseline rate on the day following the day of such alteration.

The deposit is returned at maturity by transfer of remaining funds with accrued interest to a bank card (not later than the business day following the deposit maturity date).

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