Otp bank deposits. Interest on deposits for individuals in the bank otp. What documents are needed for a loan
Deposits in the OTP bank will be attractive for average citizens with standard wishes, and for people who have large amounts of funds on hand and who want to profitably invest their capital without risks.
Types of deposits of OTP bank
OTP Bank in 2020 expanded its deposit line and can offer updated previously existing deposits and new products. In OTP Bank, customers can immediately determine the category of the deposit. There are two of them and they are divided according to the minimum investment:
- Retail- deposits of this line are suitable for all individuals who have average earnings and are ready to invest only small amounts, approximately equal to their monthly income or slightly more.
- - depositors opening deposits of this group expect a high income, but they must invest more - from one and a half million rubles to get good interest.
Each category contains its own banking products, differing in terms of investment. Interest on deposits at OTP bank are set in an unusual way and can change during the validity period, which should be paid more attention to by the depositor. Let us consider in more detail what kind of deposit accounts OTP bank has today and how they differ.
Retail
Each depositor chooses a deposit according to his strength, because he has not only advantages in the form of accrued interest, but also conditions under which the bank will open an account in the name of the client.
Retail deposits have acceptable conditions regarding the maintenance of accounts and at the same time have good interest rates, which makes them attractive to potential depositors.
Protective
This is a special deposit from the entire line of OTP bank deposits, and its peculiarity lies in the possibility of receiving a gift. By a gift, the bank means the purchase of certain products at a low price:
- Accident insurance.
- Property insurance policy.
- Legal advice and assistance from specialists.
The purchase price of a gift will vary depending on the amount of the deposit, but approximately it is in the range of 250 - 1,500 rubles. More detailed conditions of the promotion are contained on the official website of OTP Bank, where the information is constantly updated and corrected.
A protective contribution will bring a person a tangible income, since there are high interest rates, but about them a little later, but for now about basic conditions:
- Opening an account is carried out for a period of 183 or 368 days.
- The depositor must deposit more than 10 thousand in national currency.
- The maximum balance is 10,000,000 rubles.
- Spending part of the contribution and making additional funds is not allowed.
- The OTP bank pays the interest to the client on the day of closing the deposit by adding it to the balance.
- Early termination of the agreement entails a change in the interest rate to the “On demand” rate.
OTP Bank has a fundamentally different system for calculating interest income. The annual rate is not fixed and it changes constantly depending on the time spent on the account. The depositor opens a deposit for a certain period, and during certain periods of it, different interest rates are applied:
| Duration under the agreement (days) | Period for which the rate is charged (days) | |||
|---|---|---|---|---|
| 183 | 1 - 61 | 62 - 122 | 123 - 182 | |
| 9.0% | 6.4% | 3.2% | ||
| 368 | 1 - 92 | 93 - 184 | 185 - 276 | 277 - 367 |
| 9.0% | 6.3% | 5.1% | 4.0% | |
Double benefit plus
For those who purchase an investment insurance policy from Alfastrakhovanie-Zhizn LLC, OTP Bank can offer a unique option - deposit with a high interest rate and convenient terms:
- The depositor independently chooses the most comfortable term - 181 or 366 days.
- The amount of the initial payment must be more than 50,000 rubles, but less (or equal) to the amount paid for the insurance policy.
- The insurance policy must last throughout the entire period of storage of funds on the deposit, otherwise the bank will remove the interest rate under the contract and charge 0.01%.
- The deposit must be opened within a month from the date of the conclusion of the contract for the purchase of the ILI policy.
- If all conditions are met by the depositor, then OTP bank charges the balance with 8% per annum and pays them out at the end of the term.
- It is prohibited to carry out various transactions with the account.
The deposit is quite simple and, most importantly, profitable, and therefore those who have already purchased insurance should consider opening a deposit in OTP bank.
Maximum
This deposit has very flexible conditions, which allows the depositor to choose a comfortable option for storing and increasing funds. A deposit is opened in rubles in the amount of over 30 thousand. The deposit balance cannot be changed up or down during the entire period of validity.
Interest rates on the deposit depend on the term and amount of the first installment:
| Down payment (rubles) | Validity (days) | |||
|---|---|---|---|---|
| 91 | 181 | 275 | 366 | |
| 30 000 – 100 000 | 6.0% | 6.6% | 6.4% | 6.4% |
| 100 000 – 300 000 | 6.4% | 7.0% | 6.8% | 6.6% |
| 300 000 – 30 000 000 | 6.4% | 7.0% | 6.8% | 6.8% |
In case of early demand for the amount of the deposit, the rate is calculated according to the conditions of the "On demand" account.
Cumulative
This contribution differs significantly from the previous ones at least the possibility of replenishment, making it more profitable. Clients do not always have a large amount for the first installment, but they want to postpone more and more from their salaries, but they don’t want the money to gather dust at home until the next opening of the deposit.
With the Savings Deposit, everything is more convenient - capital is constantly increasing due to the comfortable conditions of the deposit account:
- OTP Bank accepts investments in national currency and dollars.
- The maximum amount of the deposit cannot exceed ten times the amount of the initial contribution, and it also cannot cross the threshold of 10,000,000 rubles and 300,000 dollars.
- You cannot withdraw partially deposited funds.
- The client independently chooses one of three terms for opening an account - 91, 181, 366 days.
- Interest is calculated at the end of the term.
- The demand rate is charged upon early withdrawal of funds.
The table below shows the rates depending on the timing and amount of the investment.
| Attachment size | Validity (days) | ||
|---|---|---|---|
| 91 | 181 | 366 | |
| Rubles | |||
| 15 000 – 100 000 | 5.3% | 5.9% | 5.7% |
| 100 000 – 300 000 | 5.7% | 6.3% | 5.9% |
| 300 000 – 10 000 000 | 5.7% | 6.3% | 6.1% |
| Dollars | |||
| 300 and above | 0.3% | 0.9% | 1.2% |
Pension
This deposit account for pensioners from OTP Bank has exactly the same conditions as the previous one. The only difference is that you can withdraw already accrued interest, because they are credited monthly (by capitalization or to another account).
There are also slightly different minimums for additional contributions - 1,000 rubles and 50 dollars, all other parameters in terms of amounts and terms completely coincide with the Accumulative deposit. For pensioners, an increased interest rate is provided, and therefore the deposit will have the following interest:
| Investment amount | |||
|---|---|---|---|
| 91 | 181 | 366 | |
| Rubles | |||
| 15 000 – 100 000 | 5.73%/ 5.7% | 6.18%/ 6.1% | 5.85%/ 5.7% |
| 100 000 – 300 000 | 6.13%/ 6.1% | 6.59%/ 6.5% | 6.06%/ 5.9% |
| 300 000 – 10 000 000 | 6.13%/ 6.1% | 6.59%/ 6.5% | 6.27%/ 6.1% |
| Dollars | |||
| 300 and above | 0.3% | 0.7% | 0.85% |
Flexible
For many potential depositors, a big problem is the need for irretrievable investment of funds, and in case of demanding even a part of the deposit ahead of time, the interest rate is lost and the deposit becomes absolutely unprofitable.
The conditions of this deposit are really flexible, which gives a person the opportunity to freely dispose of personal funds:
- 15,000 rubles or 300 dollars is required for a depositor at least to open.
- The maximum amount of the deposit cannot exceed ten times the amount of the initial contribution, and it also cannot cross the threshold of 10,000,000 rubles and 300,000 dollars.
- Top-ups are allowed within the maximum balance and for the entire period, except for the last 30 days. If the depositor makes a cash replenishment, then the minimum contributions will be 3,000 rubles and 100 dollars.
- At the time of opening a deposit, a minimum balance is set, if kept, the depositor can withdraw funds from the account, and the rate will not decrease.
- A deposit is opened for 181 or 366 days.
- The client receives interest income on a monthly basis by capitalization or crediting to a separate account.
The interest rates for the Flexible deposit from OTP Bank are as follows:
| Investment amount | Duration (days) and interest rates (capitalized / not capitalized) | |
|---|---|---|
| 181 | 366 | |
| Rubles | ||
| 30 000 – 100 000 | 5.05%/ 5.0% | 4.91%/ 4.8% |
| 100 000 – 300 000 | 5.15%/ 5.1% | 5.01%/ 4.9% |
| 300 000 – 800 000 | 5.26%/ 5.2% | 5.12%/ 5.0% |
| 800 000 – 1 400 000 | 5.36%/ 5.3% | 5.22%/ 5.1% |
| 1 400 000 – 10 000 000 | 5.46%/ 5.4% | 5.43%/ 5.3% |
| Dollars | ||
| From 300 | 0.5%/ 0.5% | 0.75%/ 0.75% |
Savings account
The savings account has no restrictions on the lower and upper limits of the balance, validity period, currency (but no interest is charged on the euro at all), income and expense transactions.
OTP Bank calculates the interest rate depending on the amount of the balance:
Video
For those who want to get a good income from large investments without risk and in a short time, OTP Bank has developed and implemented two programs:
- Stable income.
- Freedom of management.
These deposits are intended only for large investors, but their conditions are somewhat similar to the programs described above.
Stable income
By investing rubles or dollars on this deposit, a person will definitely receive a large profit from a fixed rate, and will also be able to capitalize interest on a monthly basis in order to increase the total amount of the deposit.
Other conditions for the deposit agreement of the Stable Income program are:
- The size of the deposit is 1.5 - 300 million rubles, 50 thousand - 6 million dollars.
- The account can be replenished within the first 30 days from the date of opening a deposit for amounts over 100,000 rubles and 5,000 dollars, but up to the maximum limit.
- Withdrawals are prohibited.
OTP Bank offers high interest rates to large depositors:
| Investment amount | Duration (days) and interest rates (capitalized / not capitalized) | |||
|---|---|---|---|---|
| 181 | 366 | 549 | 732 | |
| 1.5 - 15 million rubles. | 7.1%/ 7.0% | 7.01%/ 6.8% | 6.92%/ 6.6% | 6.7%/ 6.3% |
| 15 - 30 million rubles. | 7.21%/ 7.1% | 7.12%/ 6.9% | 7.03%/ 6.7% | 6.81%/ 6.4% |
| More than 50 thousand dollars | - | 1.51%/ 1.5% | 1.52%/ 1.5% | 1.52%/ 1.5% |
Early termination of a foreign currency deposit takes place at the "On demand" rate. But for a ruble deposit, the conditions are different:
- If the deposit has existed for less than 90 days, then the rate will be "On demand".
- If 91 - 180 days, then in the amount of ¼ of the established by the contract.
- If more than 181 days, then ½ of the established by the contract.
Freedom of management
This deposit has less limited options for accessing funds:
- 1,500,000 rubles and 50,000 dollars - the amount for the minimum down payment.
- At most, the account can store no more than ten times the amount of the first installment, provided that this amount is not more than 150,000,000 rubles or 3,000,000 dollars.
- A deposit account is opened for one year.
- You can replenish your account for the entire period of time, except for the last month and for amounts over 100,000 rubles and 5,000 dollars.
- While maintaining the minimum balance, OTP Bank allows debit transactions to be carried out.
- The terms of the agreement provide for monthly capitalization of interest or their transfer to an additional account - at the discretion of the depositor.
- Early withdrawal of capital at the “on demand” rate.
Interest on the Freedom of control deposit is presented in the table below.
| Investment amount | Annual rate (with capitalization / without capitalization) |
|---|---|
| Rubles | |
| 1.5 - 7.5 million | 6.06%/ 5.9% |
| 7.5 - 15 million | 6.17%/ 6.0% |
| 15 - 30 million | 6.22%/ 6.05% |
| 30 - 150 million | 6.27%/ 6.1% |
Dollars
| |
OTP Bank is another financial organization operating in Russia. The institution is one of the leaders in terms of the quality of services provided both in Russia and in Central and Eastern Europe.
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Deposits are issued to both individuals and business clients. Consider the features of contributions to OTP, the procedure for their registration and calculation.
What does the bank offer
OTP deposits fall into two broad categories:
- retail;
- premium.
The first group of deposits is intended for ordinary citizens with average incomes. In other words, this is a classic line of deposits with small minimum amounts (from 15 thousand rubles) and flexible terms (from 3 months to 1 year).
The line of premium deposits is designed specifically for high net worth clients. The amounts are large - from 1.5 million rubles.
Deposits can be opened in two main world currencies - dollars and euros. For the VIP deposit Freedom of Management, Swiss francs are also represented as currency.
There are only 5 retail deposits:
- Cumulative;
- Pension;
- Flexible;
- Savings account.
For wealthy citizens, two products are presented:
- Stable income;
- Freedom of management.
Conditions
Let's first analyze the terms of retail deposits. So, all presented can be opened in rubles.
In dollars, you can invest funds on deposits:
- Pension;
- Savings account.
You can also open a Savings Account in European currency. In the line of retail deposits there is no opportunity to make investments in Swiss francs, but for premium clients - please! At the same time, the interest rate will be extremely low - only 0.01% per year.
Comparative conditions for retail deposits:
|
Product name |
Maximum | Accumulative | Pension | Flexible |
Savings account |
| Sum | From 30 thousand | From 15 thousand | From 15 thousand | From 15 thousand | From 0 rubles |
| Term | From 3 months | From 3 months | From 3 months | From 6 months | From 1 year |
| Bid | 8 % | 7,3 % | 7,2 % | 6,49 % | 6,5 % |
| Interest payment procedure | At the end of the term | At the end of the term | Accrual - every month, and payment or capitalization - is chosen by the retired depositor | Capitalization or payout every month - your choice | Interest is calculated monthly |
Two deposits are available to premium customers on the following conditions:
|
Offer name |
Stable income |
Freedom of management |
| Sum | From 1.5 million rubles, or 50 thousand dollars, or 50 thousand euros | From 1.5 million rubles, 50 thousand dollars or euros, as well as from 50 thousand Swiss francs |
| Term | From 6 months | From 1 year |
| Bid | 8,7 % | 7,23 % |
| Replenishment | Allowed, but only in the first month after the date of opening the deposit | At any time, except for the last month of validity of the deposit agreement |
| Partial withdrawal of funds | Is not allowed | Up to the size of the irreducible balance |
| Interest capitalization | Yes | Yes |
| Bonuses | Preferential conditions for early termination, as well as a MasterCard Gold debit card as a gift | A debit card MasterCard Gold is provided as a gift |
Interest on deposits of individuals in 2020 in OTP Bank
Interest rates will depend on many factors. In particular, from currency, if the terms of the deposit provide for the possibility of registration in several currencies.
For all deposits, the yield depends on the amount (or the size of the minimum balance) and the term. If the conditions provide for the capitalization of interest, then when choosing this accrual scheme, the profitability will be higher.
Traditionally, the greatest profitability will be if:
- invest money in Russian rubles;
- for a period of about six months;
- a significant amount (about 1 million rubles);
- by contribution, which provides the least flexibility.
So in the OTP - the contribution on which it is impossible to carry out incoming and outgoing operations, this is the Maximum. It is possible to invest money on it only in rubles for periods from 3 months to 1 year in the amount of 30 thousand rubles.
The maximum rate of 8% will apply in this case:
Well, for those who prefer the freedom to manage their high-yield savings, OTP Bank has provided a Flexible deposit with low interest rates, but at the same time with great opportunities. The yield on the Flexible deposit ranges from 5.85 to 6.49% per year.
How to open
The opening of deposits is carried out in the branches of the OTP bank. There is a special service to search for them on the bank's website.
To use it, on the main page, select a region from the drop-down list, then click on “Branches and ATMs”.
In the block to the left of the map, put a tick in front of "Branches and Branches" and look at the offices either on the map or in the list below.
Be sure to bring your civil passport with you before visiting the office. You will also need to have the required amount of cash with you, which will need to be deposited through the cashier. After the conclusion of the contract, the deposit will start generating income immediately.
How to calculate income
On the OTP bank's website, the deposit selection form and the calculation form are combined. Accordingly, this makes it possible to immediately select a deposit and find out what yield the depositor expects on it.
You can find the form of selection and calculation like this:
- go to the OTP website;
- on the main page, click "Deposits and Accounts";
- on the left there will be the required form for entering parameters.
To begin with, we decide what type of deposit you are interested in - retail or premium. We click on the appropriate tab and then select the currency - rubles, dollars, euros or francs.
Enter the desired deposit amount and term. If necessary, put a tick in the fields “Withdraw funds” and “Deposit replenishment”, if you need a product with such options. If the option “Deposit replenishment” is selected, in the “Monthly replenishment” field you can specify the amount that will be deposited every month.
- a list of deposits that meet the specified parameters;
- calculation (fields “Rate”, “In n-days I will receive” and “Of which interest”).
Calculation example:
- retail deposit;
- currency - rubles;
- amount - 100,000;
- term - 366 days;
- with replenishment, but without withdrawal;
- monthly payments - 5000 rubles.
The calculator showed that the following deposits meet the specified requirements:
- Cumulative;
- Pension;
- Flexible.
The calculation results show that the largest amount of interest will be paid on the Pensionny deposit - 8498.90 rubles.
Features of the contract
OTP Bank has developed contract forms for each deposit separately. However, they practically do not differ in structure.
You can download the standard form of the OTP deposit agreement.
The form of the document is standard and contains typical subsections:
- The “header” of the document, which indicates the parties (the name of the bank and the full name of the depositor);
- subject of the contract;
- rights and obligations of the parties;
- settlement procedure;
- validity of the contract;
- additional conditions;
- addresses and details of the parties.
Deposits for legal entities
At the moment, OTP is ready to offer small businesses the only product for investing free funds - the Classic deposit.
The following conditions apply to this product:
| Condition | The essence |
| Currency | Rubles, dollars, euros or francs |
| Min. deposit amount | 100 thousand rubles, or 10 thousand dollars, or 10 thousand euros, or 10 thousand francs |
| Max. sum | Not limited |
| Term of placement of funds | 1 day to 2 years |
| Interest is paid | At the end of the contract |
| Possibility of making additional payments | Not |
| Partial withdrawal | Not |
| Early termination of the contract | Possibly, but income will be accrued based on the interest rate applicable to the deposit On demand |
How to issue a deposit for legal entities? Very simple! It is enough to follow these steps:
- fill out an online application form on the OTP website, or visit the nearest bank branch;
- provide the employee serving legal entities with the necessary documentation package (if the legal entity has not yet opened a current account);
- conclude a deposit agreement at any convenient time.
For medium or large businesses, OTP also provides deposit products. The bank has developed a special system of interest. rates and income instruments, which, in addition to deposits, also include promissory notes.
The bank provides settlement and cash services to the population and invests in reliable projects. Any citizen of Russia can take part in the activities and distribution of profits by opening OTP Bank deposits in Moscow for individuals 2020. The conditions for each product are individual and take into account the needs of a certain group of consumers. A complete list and description of each deposit can be found on the official website. The general classification of financial programs is as follows:
When opening time deposits, one should take into account the time of their validity, losses in case of early withdrawal of money, the presence of capitalization, withdrawal conditions, the possibility of transferring interest to a bank card. The higher the amount, the more favorable conditions you can count on.
To have a clear idea of future income, we recommend that you first calculate your income using an online calculator located on the official website. In this case, your expectations will be confirmed by what you see on the monitor after entering the calculated values.
Favorable interest rates on deposits
The signing of the contract will take a minimum of time. The main thing is to decide in advance which account is right for you. To do this, in addition to independently studying all the proposals, you can order a call back from our consultant, who will advise you on the best investment option. It is recommended to prepare all questions in advance.
The agreement is drawn up at the nearest office of the financial institution. Next, you need to transfer funds to the account, which will mean the activation of the contract. The accrual of interest will begin from the next day.
The popular offer with the best characteristics has the following parameters:
The bank now offers rates ranging from 5 to 7.5. We suggest calculating the potential profit using an online calculator.
Holders of dollar savings will certainly be interested in foreign exchange offers. The rate on them is lower than on investments in the national currency, but the constantly growing rate will make it possible to earn even more in ruble terms.
To monitor your own account, you need to install a special application, which can be downloaded on the official website. All expense and income transactions will be in the area of your increased attention.
OTP Bank was established in 1994. Until 2008, he operated as Investsberbank. The bank has a wide dealer network and the number of branches of the institution is constantly growing. During 2004 alone, the company's management managed to open 30 new customer service points. The dynamic development of the financial enterprise has contributed to the fact that today OTP Bank is one of the 100 largest banks in the Russian Federation.The bank offers a wide range of products. Deposits for individuals are very popular among consumers of financial services. Depending on the conditions of the program, the depositor can receive up to 12.5% profit. The maximum rates on dollar deposits do not exceed 2.5%. Such deposits can be made in dollars or euros.
Interest is paid at the end of the term or monthly. If the terms of the program do not provide for the conduct of expense and income transactions, then the depositor can count on the most profitable interest on deposits.
The term of the deposit may vary. At the request of the client, an automatic prolongation is possible. The conditions for the accumulation of interest remain the same. Some deposit programs provide for monthly interest capitalization. In this case, the resulting profit is added to the main account and paid out at the end of the term. The depositor can also carry out various operations with deposit funds - withdraw money, replenish the account or close it ahead of schedule.
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