Deposits of otp bank in. Deposits of otp bank Types of time deposits of individuals in otp bank

OTP Bank provides a super profitable line of deposits for individuals for 2019. The maximum interest on OTP Bank deposits is 9.00% per annum. Currently, the Bank has seven deposit programs with different conditions for investing savings.

At OTP Bank you will find a special program for pensioners, a highly profitable deposit with a gift upon opening, and others. The variety of choices will allow each investor to choose the most optimal solution for specific requirements and preferences.

All OTP Bank deposits are insured by the state for an amount of up to 1.4 million rubles. The law will protect your savings in the event of financial problems with the Bank, and is guaranteed to pay out every penny.

In our review, we will describe in detail all the programs of OTP Bank: we will name the pros and cons, provide interest rates, and more. By the way, if you have already used the Bank’s services, please write a review under the article. We will be very grateful to you.

1. “Protective” deposit program

“Protective” is a deposit without replenishment and partial withdrawal, with interest paid at the end of the term. The deposit can be opened for a period of 183 or 368 days. We note that the deposit period is divided into several interest periods, each of which has its own rate.

The maximum deposit rate is 9.00% per annum (operates in the first interest period - from 1 to 61 days, or from 1 to 92 days, depending on the placement period). When making a deposit, each depositor is given a pleasant bonus from the Bank - an insurance policy or a certificate for legal assistance in the amount of 250 to 1,500 rubles (depending on the amount of the deposit).

The minimum contribution is 100 thousand rubles (the maximum amount is limited to 10 million rubles). In case of early termination of the Agreement, interest is recalculated at the “Demand” rate. If the depositor does not claim the deposit amount at the end of the term, then the Agreement will be considered extended for a new term under the terms of the “On Demand” deposit.

Rates for a deposit period of 183 days

Rates for a deposit period of 368 days

2. Deposit program “Double benefit plus”

Deposit with an investment bias. By drawing up an Investment Life Insurance Agreement, you receive additional interest on the deposit rate. Your money will be invested in shares of the largest companies.

Investment life insurance

• Guaranteed return of invested savings;
• The contract is drawn up for five years;
• Possibility of life insurance;
• Obtaining additional income from invested funds;
• The right to a tax refund from the state is 13% of the amount of contributions.

The deposit period is at the choice of the depositor: 181 or 366 days. There are no expense transactions and replenishments in the “Double Benefit Plus” program. Interest is accrued at the end of the deposit term. The minimum deposit amount is 50 thousand rubles. The interest rate depends on the placement period. In case of early termination, interest is recalculated at the “On demand” rate.

Without drawing up an ILI Agreement, a rate of 0.01% per annum is assigned.

3. “Maximum” deposit program

The deposit was created to obtain maximum income from the invested funds. To place your savings you can choose Russian rubles or US dollars. Minimum deposit amount: 30 thousand rubles or 300 dollars. Please note that the rate will depend on the term and amount of the deposit.

The maximum you can get in rubles is 6.80% per annum, in dollars – 2.25% per annum. Additional contributions and expense transactions are not provided for by the terms of the Agreement. Interest is paid at the end of the deposit term. Early termination threatens the investor with recalculation of interest at the “On Demand” rate (0.01% per annum).

Rates in rubles

4. “Accumulative” deposit program

Deposit with the possibility of making additional contributions. You can top up your deposit throughout the entire period, with the exception of the last 30 days. The interest rate depends on the amount and term of the deposit. Maximum rates: in rubles – 6.10% per annum, in dollars – 2.15% per annum.

You can place savings for a period of 91, 181, or 366 days. Minimum deposit amount: 15,000 rubles or 300 dollars. Interest is paid at the end of the term. Expense transactions are prohibited by the terms of the Agreement. In case of early termination, interest is recalculated at the “On demand” rate.

Rates in rubles

5. “Pension” deposit program

A special deposit for pensioners with preferential terms for placing savings. The deposit can be opened in Russian rubles or US dollars. It must be said that the minimum down payment amount here is small: 15 thousand rubles or 300 dollars.

Additional contributions can be made throughout almost the entire deposit period, with the exception of the last 30 days. Minimum replenishment amount: 1,000 rubles or 50 dollars. Expense transactions are allowed only for the amount of capitalized interest.

Interest is accrued monthly: you can request it to the “Demand” account, or leave it on the deposit account (capitalization). Deposit rates will depend on the amount and term, as well as on the method of receiving interest (if you choose capitalization, the rates are higher).

In case of early withdrawal of the deposit, interest is recalculated at the “On demand” rate. Automatic extension is carried out under the conditions that apply to the “Pension” program on the day of extension.

Rates in rubles

6. “Flexible” deposit program

The deposit was created for investors who prefer to use the most comfortable conditions for managing their deposit. There are all the options that a full-fledged deposit needs: replenishment, partial withdrawal, capitalization (or monthly interest payment).

As usually happens in such programs, the interest rate leaves much to be desired: rubles - up to 5.43% per annum, dollars - up to 0.90% per annum. Additional contributions are accepted throughout the entire placement period with the exception of the last 30 days. The minimum amount of replenishment through the Bank's cash desks in cash: 3,000 rubles or 100 dollars.

Partial withdrawal is possible only up to the “minimum balance”. The amount of the “minimum balance” is equal to the amount of the initial contribution to the deposit. Upon termination of the Agreement, interest is recalculated at the “Demand” rate. Excessive interest paid is deducted from the deposit amount.

Interest is paid monthly. The investor has two options: leave the interest for capitalization, or withdraw it to the “On Demand” account. The deposit can be opened for a period of 181 or 366 days.

Rates in rubles

* – rates for interest capitalization.

7. “Special” deposit program

Only clients who have issued a bank card under the “Your Choice – Savings” and “Everything is Possible” tariffs will be able to open a deposit. The rate on the “Special” deposit is 7.60% per annum. The deposit is opened for a period of 366 days. The minimum down payment amount is 30,000 rubles.

Additional contributions can only be made during the first 60 days of the deposit term. Partial withdrawal is not provided for by the terms of the deposit. Early termination is carried out at the “On Demand” rate. Extension is carried out under the terms of the “Maximum” program. Interest is accrued and paid to the depositor at the end of the deposit period.

OTP Bank offers time savings deposits in rubles or US dollars. There is a deposit program without the possibility of replenishing and withdrawing funds in a partial amount with an increasing rate. Higher interest rates are provided within the framework of a comprehensive savings deposit program while simultaneously taking out an investment insurance policy. The client can open a savings deposit in national or foreign currency. A savings deposit can be opened as part of a special offer for new clients. The Bank also provides the opportunity to place a spending-savings deposit; there is a program with special conditions for pensioners. A permanent deposit program has been developed, which can be opened in rubles, dollars or euros.

Features of deposits. When placing a deposit within the framework of OTP Bank programs, the client needs to pay attention to their following features:

• The client can open several deposits within the framework of one Bank program at the same time. Moreover, their total amount should not exceed the maximum amount established by the rules of the selected program;
• When making a deposit within the framework of some of the Bank’s offers, the client can receive free insurance or a range of legal services as a gift; The interest rate is affected by the parameters of the deposit - term and amount, as well as the currency in which it is opened;
• Payment of accrued interest is carried out, depending on the chosen program, in a lump sum at the end of the term or every month with the possibility of further capitalization or transfer of funds to a separate account;
• After the expiration of the deposit, its automatic renewal is provided under the terms of the primary agreement;
• The client has the right to terminate the deposit agreement prematurely, and the accrued interest is recalculated in accordance with the rate of the permanent deposit;
• At the Bank branch, the depositor can issue a power of attorney to carry out deposit management operations;
• Deposit placement is available to both citizens of the Russian Federation and citizens/nationals of any other state.

How to open a deposit? You can place a deposit in OTP Bank in the following ways:

• At the Bank branch. To conclude an agreement, the client must have with him a general civil passport of the Russian Federation or another identification document, for example, a temporary citizen identity card or a military personnel ID card. Foreigners must provide the Bank with a national passport, migration card and a document certifying the legality of their stay on the territory of the Russian Federation - a visa or residence permit;
• Remotely – using Internet banking. Available only to existing clients of the Bank. When registering a deposit, new clients gain access to the remote service and can manage the deposit remotely.

Closing the deposit and withdrawing funds. On the last day of the deposit's validity period, it can be closed at the client's request. In this case, the full amount of money is returned, including accrued interest. If the deposit is not claimed, it is subject to automatic renewal under the terms of the primary agreement. If, at the time of expiration of the deposit, the program under which it was issued is no longer valid, auto-renewal is carried out on the terms of a perpetual deposit. Early closure of the deposit is allowed, in which case the accrued interest is recalculated at the rate of a permanent deposit.

Why are consumer loans from OTP Bank popular today?

At OTP Bank today you can get a consumer loan in the amount of up to 4 million rubles for a period of up to 7 years. And this is without collateral. If you leave real estate to the bank as collateral, the amount can be significantly higher.

The minimum rate is now 10.5% per annum.

In addition to the low interest rate, the distinctive features of lending at OTP Bank can also be considered:

✓ The ability to make loan payments at any time, either using a bank card or in cash.
✓ Clients receive qualified support thanks to a 24-hour call center line.
✓ The ability to repay the loan at any time, without going to the branch, using a computer or smartphone.

In this review, correspondents from the business information agency website will consider the features of consumer lending at OTP Bank and compare the conditions of various programs

Cash loans at OTP Bank: conditions and rates

Today at OTP Bank you can get money on bail and without guarantors.

Loan from OTP Bank without collateral

Money is issued under the following conditions:

Amount: from 15,000 to 4 million rubles;
Duration: from 12 to 84 months;
Collateral: not required;
Solution: in 3 minutes.

Interest rate

from 10.5% per annum.

Who can get the money

Citizenship: Russian;
Experience: at least 3 months at current place of work.

What documents are needed for a loan?

To receive money, you need to provide a minimum package of documents that everyone has. But if you want to increase the amount or reduce the interest rate, then it is better to confirm your income and employment. In general, the following package of documents is needed:

✓ Basic

Russian Federation passport;
TIN (if available);
SNILS (if available).

✓ Additional(for amounts over RUB 300,000) to choose from:

Certificate 2-NDFL;
Certificate of income in the form of a bank for 3 months;
A bank account statement from any bank confirming the transfer of wages for 3 months;
Notification about the status of the individual personal account of the insured person, sent to the bank's email address from the Personal Account of the government services portal. This email address is being protected from spambots. You must have JavaScript enabled to view it. .

Loan from OTP Bank secured

Using OTP Bank as collateral for an apartment or house, you can receive a larger amount for a longer period. But this does not change the interest rate. Funds are issued under the following conditions:

Amount: from 1 million to 10 million rubles;
Duration: from 12 to 120 months;
Security: real estate pledge.

Interest rate

from 10.5% per annum.

Who can get a loan

The bank's requirements for borrowers are simple and clear:

Age: from 21 to 69 years at the time of concluding the loan agreement;
Citizenship: Russian;
Permanent registration: on the territory of the Russian Federation;
Experience: at least 3 months at the current place of work;
Income before tax is at least 70,000 rubles.

What documents are needed to receive money?

To receive bail money, you need to collect a fairly large package of documents. After all, to the usual set it is necessary to add documents for the real estate being pledged as collateral. So it also makes sense to divide the general list into two parts:

✓ For the borrower

Russian Federation passport;
TIN (if available);
SNILS (if available);
Certificate of income.

✓ For bail

Extract from the Unified State Register of Real Estate;
Documents confirming registration of rights;
The document in accordance with which state registration of ownership was carried out;
Report of an independent appraiser on the valuation of the collateral;
Other.

The full list of documents for collateral will be individual for each case. These are just general ones to get you started. It is better to check with a Bank employee for a complete list.

Loan calculator: calculate payment

OPT Bank's online loan calculator will help you calculate the size of the monthly payment and the amount of overpayment depending on the term and interest rate.

How to get a cash loan from OTP Bank

Applying for a consumer loan from OTP Bank today is quite simple.

1 Fill out the online application and wait for the bank employee to call;

2 Collect a package of documents and get approval for your application;

3 Visit a bank branch and collect your money.

Question answer

Can individual entrepreneurs get a loan from OTP Bank?

They can. This bank today is one of the few that issues consumer loans to individual entrepreneurs. But they are subject to slightly different requirements for borrowers, as well as a different package of documents for receiving money.

Requirements for borrowers - individual entrepreneurs

In principle, they differ only in the requirements for age and work experience:

Citizenship: Russian;
Permanent registration: on the territory of the Russian Federation;
Age: from 25 to 69 years at the time of concluding the loan agreement;
Registration period as an individual entrepreneur: at least 12 months.

Documents for a consumer loan for individual entrepreneurs

Individual entrepreneurs can also receive money only with a passport. But if the bank asks you to confirm your employment, the individual entrepreneur must provide:

Certificate of state registration of individual entrepreneurs / Entry sheet of the Unified State Register of Individual Entrepreneurs.

Summing up

OTP Bank's loan programs are designed for a wide range of clients. Both ordinary working individuals and pensioners, individual entrepreneurs, and contract military personnel can receive the money.

To obtain a loan you need a minimum package of documents. A loan of up to 300,000 rubles can be obtained using a passport.

It is also important to note that in the requirements for the borrower, OTP Bank clearly indicates the maximum age for receiving a loan - 69 years. This is not the age at the loan repayment date, as many other banks write. This means that even at the age of 69, a pensioner can apply for a loan and his application will be considered on an equal basis with others. This is a very important feature.

In general, consumer lending at OTP Bank allows clients to quickly receive the necessary money on acceptable terms.

Contacts for inquiries

About the bank

OTP Bank (Russia) is part of the international financial OTP Group, which is one of the leaders in the financial services market in Central and Eastern Europe. OTP Bank is a universal credit organization that provides a wide range of banking services and products for corporate clients and individuals.

Telephone

General license of the Bank of Russia No. 2766.

The information is not a public offer and is presented for informational purposes. Detailed conditions are set out in the loan agreement concluded between the client and the bank.

Deposits in OTP Bank will be attractive for average citizens with standard wishes, and for people who have large sums of funds on hand and want to invest their capital profitably without risks.

Types of OTP Bank deposits

OTP Bank expanded its deposit line in 2020 and can offer updated previously existing deposits and new products. At OTP Bank, clients can immediately decide on the category of deposit. There are two of them and they are divided according to the minimum investment:

1. Retail– deposits in this line are suitable for all individuals who have average earnings and are willing to invest only small amounts, approximately equal to their monthly income or slightly more.
2. - investors who open deposits in this group expect high income, but they must invest more - from one and a half million rubles - in order to get good interest.

Each category contains its own banking products, differing in terms of investment. Interest on deposits at OTP Bank is set in an unusual way and may change during the term, to which the depositor should pay closer attention. Let’s take a closer look at what deposit accounts OTP Bank has today and how they differ.

Retail

Each depositor chooses a deposit according to his strengths, because it 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 investors.

Protective

This is a special deposit from the entire line of OTP Bank deposits, and its peculiarity is 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 price for purchasing a gift will vary depending on the amount of the deposit, but it is approximately 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 adjusted.

A protective deposit will bring a person significant income, since there are high interest rates, but more about them a little later, but for now about basic conditions:

• Account opening 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 deposit and making additional funds is not permitted.
• OTP Bank pays interest to the client on the day the deposit is closed by adding it to the balance.
• Early termination of the contract entails a change in the interest rate to the “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 the funds remain in the account. The depositor opens a deposit for a certain period, and during certain periods different interest rates apply:

Double benefit plus

For those who purchase an investment insurance policy from Alfastrakhovanie-Life LLC, OTP Bank can offer a unique option - deposit with a high interest rate and convenient conditions:

• The investor independently chooses the most comfortable period – 181 or 366 days.
• The amount of the down 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 keeping funds on deposit, otherwise the bank will remove the interest rate under the agreement and charge 0.01%.
• The deposit must be opened within a month from the date of concluding an agreement for the purchase of an ILI policy.
• If all conditions are met by the depositor, then OTP Bank charges 8% per annum on the balance and pays it at the end of the term.
• It is prohibited to carry out various operations with the account.

The deposit is quite simple and, most importantly, profitable, and therefore those who have already purchased insurance should think about opening a deposit in OTP Bank.

Maximum

This deposit has very flexible conditions, which allows the investor to choose a comfortable option for storing and increasing funds. A deposit is opened in rubles in an amount over 30 thousand. The deposit balance is not subject to change up or down during the entire validity period.

Interest rates for the deposit depend on the term and amount of the down payment:

If the deposit amount is requested early, the rate is calculated according to the terms of the “On Demand” account.

Cumulative

This contribution differs significantly from previous ones at least possibility of replenishment, which makes it more profitable. Clients don’t always have a large sum for a down payment, but they want to save more and more from their salary, but they don’t want the money to gather dust at home until the next time they open a deposit.

Everything is more convenient with the Savings Deposit - capital is constantly increasing thanks to the comfortable conditions of the deposit account:

• The bank accepts investments in national currency and OTP dollars.
• The maximum deposit amount cannot exceed ten times the initial contribution, and it cannot cross the threshold of 10,000,000 rubles and 300,000 dollars.
• Partial withdrawals of deposited funds are not permitted.
• 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 rates depending on the terms and amounts of investment.

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 are completely the same as the Accumulative deposit. An increased interest rate is provided for pensioners, and therefore the deposit will have the following interest:

Flexible

For many potential investors, the big problem is the need for irrevocable investment of funds, and if even part of the deposit is requested ahead of schedule, 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 manage personal funds:

• The minimum depositor will need is 15,000 rubles or $300 to open.
• The maximum deposit amount cannot exceed ten times the initial contribution, and it 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 the last 30 days. If the depositor makes a deposit in cash, then the minimum contributions will be equal to 3,000 rubles and 100 dollars.
• At the time of opening a deposit, a minimum balance is established, if maintained, 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 monthly through capitalization or crediting to a separate account.

The interest rates for the Flexible deposit from OTP Bank are as follows:

Savings account

The savings account has no restrictions on the lower and upper limits of the balance, validity period, currency (but interest is not accrued on euros at all), incoming and outgoing transactions.

OTP Bank charges an interest rate depending on the size of the balance:

Video

For those who want to get a good return on large investments without risk and in a short time, OTP Bank has developed and implemented two programs:

1. Stable income.
2. Freedom of management.

These deposits are intended only for large investors, but their conditions are similar to several of 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:

• Deposit size – 1.5 – 300 million rubles, 50 thousand – 6 million dollars.
• You can top up your account within the first 30 days from the date of opening the deposit in 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:

Early termination of a foreign currency deposit occurs at the “On Demand” rate. But for a ruble deposit the conditions are different:

• If the deposit lasted less than 90 days, then the rate will be “On demand”.
• If 91 – 180 days, then in the amount of ¼ of that established by the contract.
• If more than 181 days, then ½ of the amount established by the contract.

Freedom of management

This deposit has less limited opportunities to access funds:

• 1,500,000 rubles and 50,000 dollars are the amounts for the minimum down payment.
• A maximum of no more than ten times the amount of the down payment can be stored in the account, provided that this amount does not exceed 150,000,000 rubles or $3,000,000.
• A deposit account is opened for one year.
• You can top up your account for the entire period of time, except for the last month, and for amounts over 100,000 rubles and 5,000 dollars.
• As long as the minimum OTP balance is maintained, the bank allows debit transactions.
• The terms of the agreement provide for monthly capitalization of interest or their transfer to an additional account - at the discretion of the investor.
• Early withdrawal of capital at the “On Demand” rate.

Interest on the Freedom of Management deposit is presented in the table below.

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 specific 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, you should take into account their validity period, losses due to early withdrawal of money, the presence of capitalization, withdrawal conditions, and 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 the 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

Signing 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 offers, 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 completed at the nearest office of the financial institution. Next, you need to transfer funds to your account, which will mean activation of the agreement. Interest will begin to accrue from the next day.

A popular offer with the best characteristics has the following parameters:

The bank today offers rates ranging from 5 to 7.5. We suggest calculating your possible profit using an online calculator.

Owners of savings in dollars will certainly be interested in foreign exchange offers. The rate on them is lower than on investments in national currency, but the constantly growing rate will allow you to earn even more in ruble equivalent.

To monitor your own account, you need to install a special application, which you can download on the official website. All income and expense transactions will be in the area of ​​your increased attention.