Payment of % monthly or at the end of the term
Free package of services "Your circle"
From 1 ₽
Possibility of withdrawal and replenishment of deposits
30 000 ₽
The amount of the irreducible balance
₽ $ ¥
Save up in rubles, dollars or yen
The deposit is opened in the application and in the branch of the Bank
Available for opening in rubles, dollars and yen
Possible opening for 91/181/367/548/730 days
The minimum amount is 30,000 rubles/500 dollars/50,000 yen
Maximum rate: 6% in rubles
It is possible to connect additional functions: monthly capitalization, replenishment and expenditure operations.
All deposits in our bank are insured by the Deposit Insurance Agency.
The maximum amount of the insurance payment is 1,400,000 ₽.
If you are already our client, then you can open a deposit in the mobile application "Your circle".
If you want to become our client and open a deposit, then:
1. Leave a request or call by phone 8 800 700 65 12.
2. We will deliver the debit card free of charge at a time convenient for you.
3. Activate the card and top up your account with a transfer or cash at an ATM.
4. Open a deposit in a mobile application or online banking.
Full information about the terms of the deposit can be found on our website.
Yes, but you choose its terms on the website in the deposit calculator or in the mobile application. Currency, term, the possibility of depositing or withdrawing funds, as well as the size of the irreducible balance when spending funds — it's up to you!
To get the maximum deposit rate for an individual, open a deposit for two years without additional options in a mobile application or online banking with interest payment at the end of the term.
If the term of your deposit ends in 2020, then you do not need to pay tax.
From 2021, the tax will affect interest income on all deposits and accounts (except escrow account) of the taxpayer, the rate of which exceeds 1%. However, the tax will be levied only if the total income of a person exceeds the legal limit.
The tax is calculated as follows: from all the interest earned by you for the year on deposits and accounts, the amount of interest that would have been obtained from 1 million rubles at the key rate of the Central Bank of the Russian Federation is deducted. The resulting difference will be taxed at 13%.
There are three cases when the new tax will not be levied:
1. If the income on deposits and accounts in the form of interest was received in 2020;
2. If the total amount of income received in the form of interest on deposits and accounts is less than the limit established by law;
3. If the income was received from ruble deposits and accounts, the interest rate on which during the entire tax period did not exceed 1% per annum.
Yes, interest on deposits in foreign currency will also be taxed. First, they will be converted into rubles at the official exchange rate of the Central Bank of the Russian Federation, set on the date of actual receipt of income. If the amount received exceeds the legal limit, the tax will have to be paid.
The first tax will have to be paid in 2022 if in 2021 your income received in the form of interest on deposits and accounts exceeds the limit.
If you need to pay this tax, the Federal Tax Service will send you a notification. You will need to pay the tax yourself until December 2022, as well as taxes on real estate and transport. There is no need to file a declaration at the same time, the banks themselves will inform the tax service about the amount of income received by the client.
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