Deposits for Individuals

Deposits for Individuals

“On Demand” Deposit Account

  • Deposit account term: on demand.

  • Deposit account amount: unlimited.

  • Interest accrued: quarterly.

  • Within the Deposit Account Contract validity term, the depositor is entitled to add and withdraw unlimited funds.

  • When the deposit amount is fully withdrawn and the balance equals to zero, the Deposit Account Contract is terminated.

Deposit Account type

Deposit Account term

Minimum deposit amount

Interest rate, % per annum

 

 

 Russian rubles 

US dollars, euro

Russian rubles 

US dollars

Euro

On Demand

-

-

-

0.1

0.01

0.01

Approved by the Management Board of Garant-Invest Commercial Bank (JSC) (Minutes of the Meeting No. 36 dated 31 October 2016).

Valid since 01 November 2016

Fixed-Term Deposit Account

Fixed-term deposit account is a deposit for a certain term on conditions agreed in the Contract. The Bank accrues interest for the deposit amount under the rate indicated in the Contract.

Deposit Account type

Deposit Account term

Minimum deposit amount

Interest rate, % per annum

 Russian rubles 

US dollars, euro

Russian rubles 

US dollars

Euro

Pension

370 days

50,000

1,000

7.5

1.25

0.5

Children

370 days

100,000

2,000

7.5

1.25

0.5

Investment

181 days
271 days
370 days

500,000
500,000
500,000

10,000
10,000
10,000

7.5
8.0
8.25

1.0
1.25
1.45

0.6
0.7
0.8

Investment Plus

31 days
91 days
181 days
271 days
370 days
740 days

1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000

20,000
20,000
20,000
20,000
20,000
20,000

4.5
5.5
7.0
7.5
8.0
6.0

0.2
0.45 
0.95 
1.2
1.4 
0.95

0.1 
0.4 
0.5 
0.6 
0.7 
0.5

Prestige Plus

91 days
181 days
271 days
370 days
740 days

1,500,000
1,500,000
1,500,000
1,500,000
1,500,000

30,000
30,000
30,000
30,000
30,000

4.0
5.0
6.0
7.0
5.0

0.25 
0.5 
0.75 
1.0
0.5

0.1 
0.4 
0.5 
0.6
0.3

1111

1111 days

370 days
371-740 days
741-1111 days

500,000
500,000
500,000

10,000
10,000
10,000

8.5
6.5
4.5

1.47
1.15
0.65

0.9
0.4
0.1

               

Approved by the Management Board of Garant-Invest Commercial Bank (JSC) (Minutes of the Meeting No. 11 dated 14 March 2017).

Valid since 30 March 2017

“Pension” Deposit Account

  • Deposit Account term: 370 days.

  • Minimum deposit amount: 50,000 rubles, 1,000 US dollars, 1,000 euro.

  • Replenishable Deposit Account. Single replenishment amount is unlimited; last replenishment term must not exceed 31 days prior to maturity.

  • Debit transactions for the Deposit Account are not provided.

  • Interest paid monthly.

  • Opportunity to extend the Deposit Account term automatically at maturity: for the same term and on conditions applicable in the Bank at the moment of the Contract prolongation.

  • The Deposit Account is opened only if the pension certificate (including military officers) is available.

“Children” Deposit Account

“Children” Deposit Account is opened for the child under 13 years old upon presentation of the depositor’s passport and the child’s certificate of birth (beneficiary).

  • Deposit Account term: 370 days.

  • Deposit Account maturity: the Deposit Account is annually prolonged.

  • Deposit Account is not prolonged if the beneficiary turns 14 years old.

  • Minimum deposit amount: 100,000 rubles, 2,000 US dollars, 2,000 euro.

  • Replenishable Deposit Account. Single replenishment amount is unlimited; last replenishment term must not exceed 91 days prior to maturity.

  • Debit transactions for the Deposit Account are not provided.

  • Interest paid at the Deposit Account maturity. If the Deposit Account is prolonged, the interest will be added to the deposit amount.

  • In case the Depositor does not demand deposit return at maturity, the Contract will be deemed automatically prolonged for the same term and on conditions applicable in the Bank for this type of deposit at the moment of the Contract prolongation.

  • The deposit is paid to the beneficiary once he or she turns 14 years old and presents the passport.

“Investment” Deposit Account

  • Deposit Account term: 181 days, 271 days, 370 days.

  • Minimum deposit amount: 500,000 rubles, 10,000 US dollars, 10,000 euro.

  • Replenishable Deposit Account. Single replenishment amount is unlimited; last replenishment term must not exceed 91 days prior to maturity.

  • Debit transactions for the Deposit Account are not provided.

  • Interest paid quarterly.

  • Opportunity to extend Deposit Account term automatically at maturity: for the same term and on conditions applicable in the Bank at the moment of the Contract prolongation.

Investment Plus” Deposit Account

  • Deposit Account term: 31 days, 91 days, 181 days, 271 days, 370 days, 740 days.

  • Minimum deposit amount: 1,000,000 rubles, 20,000 US dollars, 20,000 euro.

  • Replenishable Deposit Account. Single replenishment amount is unlimited; last replenishment term must not exceed 91 days prior to maturity.

  • Debit transactions for the Deposit Account are not provided.

  • Interest paid monthly.

  • Opportunity to extend Deposit Account term automatically at maturity: for the same term and on conditions applicable in the Bank at the moment of the Contract prolongation.

“Prestige Plus” Deposit Account

  • Deposit Account term: 91 days, 181 days, 271 days, 370 days, 740 days.

  • Minimum deposit amount: 1,500,000 rubles, 30,000 US dollars or 30,000 euro.

  • Number of replenishments and the replenishment amount are unlimited; last replenishment term must not exceed 91 days prior to maturity.

  • Debit transactions for unlimited partial deposit payment, provided that the minimum deposit amount is preserved.

  • Interest for the replenishment amount and partial withdrawal is accrued under the rate applicable for the primary deposit.

  • Interest paid at maturity.

  • Opportunity to extend Deposit Account term automatically at maturity: on conditions applicable in the Bank at the moment of the Contract prolongation. (Deposit amount will be considered the deposit balance at maturity, not less than the established minimum).

“1111” Deposit Account

  • Deposit Account term — 1111 days.

  • Minimum deposit amount: 500,000 rubles, 10,000 US dollars or 10,000 euro.

  • Deposit Account is not replenishable.

  • Debit transactions are not provided.

  • Deposit Account is not prolongable.

  • Interest paid quarterly. Interest is accrued for the current balance under the rate indicated in the relative period.

  • In case of premature Deposit Account termination, the interest is calculated according to the following procedure:
    - if the Deposit Account is terminated before 370 days, the interest is re-calculated as per “On Demand” rate;
    - interest is paid per full period under the Deposit Account terms;
    - interest per incomplete period is re-calculated as per “On Demand” rate for the actual term the funds were deposited at the account in this period.

Savings Certificates

Savings Certificate is a security certifying the banking deposit amount and the right of the depositor to receive the deposit amount and interest accrued in the Bank issued the certificate, at maturity.

Savings Certificate is a security issued with the aid of innovative technologies with the high security level.

Garant-Invest Commercial Bank issues registered savings certificates nominated in rubles for the individuals.

Amount, rubles

Interest rate, % per annum

 

31 – 90 days

91 – 180 days

181 – 270 days

271 – 370 days

30,000 to 499,999

4.75

5.75

6.75

7.75

500,000 to 999,999

5.25

6.25

7.25

8.25

exceeding 1,000,000

5.25

6.25

7.25

8.25

Approved by the Management Board of Garant-Invest Commercial Bank (JSC) (Minutes of the Meeting No. 11 dated 14 March 2017).

Valid since 30 March 2017

Client Information Leaflet “Imposition of Tax on Registered Savings Certificates”