Tatfondbank deposits year interest rates. Profitable Tatfondbank deposits and pension interest rates in Tatfondbank
: RUB, USD , EUR. Deposits are opened during the implementation of four programs:
- "Capital accumulation";
- "Financial management ";
- "Disposition of income."
Within the framework of these programs, various deposits are available for individuals. The article will introduce you to their basic parameters.
Tatfondbank interest on deposits
The bank starts charging interest from the next day after placing the deposit. Terminates - from the moment it is returned to the depositor or money is written off from the account for other reasons. Payment of accrued interest is made by the bank using the following schemes:
For products whose terms provide for capitalization of interest, the investor has the right to request their monthly payment for:Deposits in Tatfondbank in 2016*
Product/conditions | Bid, % |
Term, days |
Minimum down payment | Acceptable currency | Possibility of replenishment | Capitalization |
« Poste restante» | 0,001 | 1 rub. | RUB/USD/EUR | + | + | |
« Spring income» | 10,8 | 180 | 1.5 thousand rubles | RUB | - | |
« More possibilities» | 9,5 | 367 | 10 / 50 / 100 / 500 thousand rubles / 1 or 3 million rubles. | + | - | |
For those … | ||||||
« Who values more» | 9,5 | 184 | 1.5 thousand rubles / 3 million rubles | RUB | + | - |
« Who saves» | 10,2 | 31/91/184/367 | 1 / 100 / 500 thousand rubles / 3 million rub. | RUB | +
(min. 1 thousand rubles) |
+ |
« Who is saving for retirement?» | 1/100 thousand rub. / 3 million rub. | |||||
« Who saves in foreign currency» | 2,5 | 10 $/€, 3 thousand $/€, 15 thousand $/€ | USD/EUR | +
(min. 50 $/€) |
+ | |
« Who receives pensions and subsidies» | ½ key rate of the Central Bank of the Russian Federation | 1100 | 1 rub. | RUB | + | + |
« Who controls the currency» | 8,2 2 ($/€) |
367 | 1.5 thousand rubles / 1 $/€ | RUB/USD/EUR | - | |
« Who controls the interest?» | 10,5 | 1.5 / 100 thousand rubles / 1 / 3 / 5 / 8 million rub. | RUB | - | ||
« Who manages the finances»** | 9 1,5 ($/€) |
1.5 / 10 / 20 / 40 / 60 / 80 / 100 / 500 thousand rubles. 10 / 1 000 / 2 000 / 3000 $/€ |
RUB/USD/EUR | + | - |
** Available to bank clients, participants of the “Own Bank” program. Opening/closing/replenishment/withdrawal operations are carried out only through the institution’s online banking remote service system – “Online Partner”.
There are requirements for a non-reducible account balance. For the product “Who controls the interest” its size is 1.5 thousand rubles. The remaining deposits have a non-reducible balance equal to the minimum down payment on the deposit.
For deposits in national currency, the size of the applied rate is affected by both the amount of the deposit and the period of its placement.
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Tatfondbank deposits for pensioners
The bank has developed a special program for older clients. As part of its implementation, it is possible to open deposits with a higher rate in comparison with other deposits:
- “Who saves for retirement.” The rate range is 3.8-10.2%. When opening a deposit with a minimum deposit of 1 thousand rubles. and 100 thousand rubles through the Internet banking system, the interest rate increases by another 0.2 points.
- “Who receives pensions, benefits and subsidies.” It is possible to credit payments due to the deposit account. The applied rate directly depends on the actual balance of money in the account and reaches 9.25%, but not more than ½ the Central Bank refinancing rate.
Deposits for individuals are issued upon provision of a minimum package of documents. At the initial stage, the potential investor is given the opportunity to choose the most loyal terms of cooperation. When making deposits for pensioners, bank employees are required to request a pension certificate from the client. The maximum interest rate in this case reaches the equivalent of 9.25%.
There may be high rates on deposits if the terms of the program do not provide for outgoing and incoming transactions. If before the expiration of the deposit the depositor is given the opportunity to partially withdraw or replenish the account, interest on deposits will tend to decrease.
Payments, depending on the terms of the programs, are made at the end of the term or every month. When capitalization is carried out, the accumulated interest is added to the main account. This allows you to get maximum profit.
Bank contacts
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Many people compare it to other financial institution programs. If individuals seek to get maximum income from their savings, then they should consider Tatfondbank’s offers. In contrast, its programs provide flexible conditions for placing funds. Clients of this financial institution have access to a wide range of deposit products that accrue the highest possible interest income.
Tatfondbank deposits in 2017 for individuals
Russian citizens who have chosen Tatfondbank to place their savings can apply for various deposit programs. In 2017, this financial institution offered five lines of deposits:
- Accumulation of funds in rubles.
- Funds management.
- Currency funds.
- Pension funds.
- Special deposits.
Accumulation of funds in rubles
This line includes four types of deposits for individuals, which are issued under the following conditions:
- "Your reserve." This program opens in Russian rubles. The minimum investment is RUB 100,000. Program duration: 91, 184, 367 days. The interest rate (annual) is set at: 91 days - 9.00%, 184 days - 9.20%, 367 days - 9.30%. Individuals can make this deposit only at a Tatfondbank branch (opening a deposit in favor of a third party is allowed). The deposit does not provide for replenishment, partial withdrawal of funds, additional conditions, and a fixed balance (irreducible) is not established. Interest income is paid at the end of the program term. In case of early termination of the agreement, interest is recalculated at the rate established for the “Demand Deposit” deposit.
- "Your income online." This deposit can be opened for 91, 184, 367 days. The minimum down payment amount can be 1,500 rubles or 100,000 rubles. Interest income is calculated as follows: (RUB 1,500) 91 days - 7.20%, 184 days - 8.70%, 367 days - 8.80%; (RUB 100,000) 91 days - 7.40%, 184 days - 8.90%, 367 days - 9.00%. The deposit can be made through the “online partner” service system; opening in favor of a third party is prohibited. The program provides for unlimited replenishment and partial withdrawal of funds in the amount of interest income subject to capitalization, as well as for. Interest is paid monthly by transferring funds to the client’s card account or to his deposit. In case of early termination of the agreement, interest is recalculated at the rate established for the “Demand Deposit” deposit, and previously paid income is also recalculated.
- "Your income." The deposit is made only at a Tatfondbank branch (in Russian rubles) for a period of 91, 184, 367 days. The minimum investment amount is set at RUB 100,000. Interest is paid monthly and on the last day (the individual chooses the method when making a deposit) by transfer to the client’s card account. The following rates are applied under the program: 91 days - 7.20%, 184 days - 8.70%, 367 days - 8.80%. Income can be transferred to third party card accounts. Clients can replenish deposits without restrictions, withdraw money within the limits of capitalized interest, terminate contracts early (interest is recalculated at the “Demand Deposit” rate, previously paid income is recalculated).
- "Your reserve is online." This deposit, just like , cannot be opened in favor of a third party. Individuals can deposit funds in Russian rubles at interest: minimum 1,500 or 100,000 rubles. Placement period: 91/184/367 days. Interest income depends on the minimum investment amount and the duration of the program: (1,500 rubles) 91 days - 9.00%, 184 days - 9.20%, 367 days - 9.30%, (100,000 rubles) 91 days - 9 ,20%, 184 days - 9.40%, 367 days - 9.50%. The deposit is made only through the “online partner” remote service system. The program does not provide for withdrawal of funds, replenishment, additional conditions, or minimum balance. Interest income is paid to clients at the end of the term. In case of early termination, it is recalculated at the rate of the “Demand” deposit for the actual period of stay of the funds in the deposit account.
Fund management
In 2017, Tatfondbank presented five deposit products to individuals in this line:
- "Who manages the finances." This deposit is opened in Russian rubles or in foreign currencies (euro, US dollars) for 367 days. The minimum investment amount (minimum balance) is set at 1,500 rubles, 10 euros, 10 dollars. Interest rates (income is paid at the end of the term) fluctuate in the ranges: in rubles - from 7.70% to 8.40%, in foreign currency - from 0.10% to 0.60%. The program provides for unlimited additional contributions, expense transactions in the amount of the minimum balance, and early termination of the contract. It can only be issued through the “online partner” SDS; the deposit is managed through it. It is prohibited to open a deposit in favor of third parties.
- “You determine the percentage.” This ruble deposit is opened for 367 days at a branch of a financial institution (can be issued in favor of third parties). Interest income (paid at the end of the term) is accrued depending on the amount of the minimum investment (is the minimum balance): 100,000 rubles - 7.40%, 500,000 rubles - 7.90%. The deposit can be replenished without restrictions, funds can be withdrawn from it in the amount of the minimum balance, and the contract can be terminated early.
- “You determine the percentage online.” Individuals can open a ruble deposit only online, through the “online partner” remote service system. The minimum investment amount (which is the minimum balance) is set at 1,500 rubles, 100,000 rubles, 500,000 rubles. The deposit validity period is 367 days. The interest rate (income is paid at the end of the term) depends on the amount of funds placed: RUB 1,500. - 7.30%, 100,000 rub. - 7.60%, 500,000 rub. - 8.10%. The program provides for early termination, additional contributions, and expense transactions.
- “You control the percentage.” A deposit can be opened (registration in favor of a third party is allowed) only at a branch of a financial institution for a period of 367 days. The minimum contribution (which is the minimum balance) is 100,000 rubles. The interest rate depends on the investment amount: from 100,000 rubles. - 6.90%, from RUB 500,000. - 7.40%. The program provides for unlimited replenishment, cash withdrawal within the minimum balance, early termination of the contract is possible, interest income is paid at the end of the term.
- “You manage your interest online.” The deposit is made in Russian rubles only online; opening in favor of a third party is prohibited. Minimum contribution (minimum balance) – 1,500 rubles. The placement period is 367 days. Interest rates (income is paid at the end of the term) depend on the investment amount: from 1,500 rubles. - 6.80%, from 100,000 rub. - 7.10%, from RUB 500,000. - 7.60%. The following conditions are established for this deposit: unlimited additional contributions, early termination of the contract, expense transactions within the minimum balance.
Currency funds
This line of Tatfondbank deposits in 2017 includes three programs:
- Your foreign exchange reserves." This deposit can only be made at a branch of a financial institution (opening in favor of a third party is allowed) in US dollars and euros. Placement period: 91, 184, 367 days. The minimum investment amount is 1,500 euros/dollars. Interest income is accrued as follows (monthly and on the last day, capitalization is done): 91 days - 0.10%, 184 days - 0.20%, 367 days - 0.50%. Clients can make deposits without restrictions; withdrawals are allowed in the amount of capitalized interest. In case of early closure of a deposit, the rate under the “On Demand” program is applied.
- “You distribute the currency.” This multi-currency deposit can be made immediately in American dollars, euros, and Russian rubles. According to the program, a minimum balance is established in the amount of the minimum down payment: 1,500 rubles, 1 dollar, 1 euro. Deposit validity period: 91, 184, 367 days. Interest income is accrued as follows: (1,500 rubles) 91 days - 7.20%, 184 days - 7.40%, 367 days - 7.60%, (1 dollar) 91 days - 0.10%, 184 days - 0.20%, 367 days - 0.30%, (1 euro) 91 days - 0.10%, 184 days - 0.20%, 367 days - 0.30%. The deposit can only be opened at a branch of a financial institution (can be opened in favor of third parties). The program provides for unlimited replenishment and early termination of the contract, expense transactions are prohibited, and interest is paid at the end of the term.
- "Your foreign exchange reserves online." The deposit can only be made in the name of the client through the “online partner” remote service system in euros or US dollars. The minimum investment amount (the minimum balance is not fixed) is 10 dollars and 1,500 euros. Funds can be placed for 91, 184, 367 days. Interest income (payment once a month and at the end of the term, by capitalization method) is accrued: ($10) 91 days - 0.10%, 184 days - 0.20%, 367 days - 0.50%, (1,500 euros ) 91 days - 0.30%, 184 days - 0.40%, 367 days - 0.70%. The deposit can be replenished without restrictions; expense transactions are provided in the amount of capitalized income.
Pension funds
In 2017, Tatfondbank offers profitable deposit products for pensioners. To apply for programs, you must provide the bank with a personal identification document, TIN, pension certificate and certificate of registration with the tax authority (if any):
- "Your pension." This ruble deposit can be made both at a branch of a financial institution and online. The minimum investment amount is 0.01 rubles. The placement period is 1,100 days. The interest rate is set at ½ the key rate of the Central Bank. The program establishes the following conditions: unlimited replenishment and withdrawal of funds, there is no possibility of prolongation, interest is paid once a month (capitalized) and at the end of the term, early termination of the contract is provided. Pensions and other social benefits can be transferred to the deposit account.
- “You control the percentage.” The deposit is made in rubles only at a bank branch. The period for placing funds (minimum contribution/minimum balance - 1,500 rubles) is 367 days. The annual interest rate depends on the deposit amount (income is paid at the end of the term): from 1,500 rubles. - 6.80%, from 100,000 rub. - 7.10%, from RUB 500,000. - 7.60%. The program provides conditions: additional contributions without restrictions, withdrawal of funds within the minimum balance, early termination of the contract.
- "You manage the interest - pension online." The deposit is opened only online in Russian rubles for a period of 367 days. The minimum investment amount (minimum balance) is 1,500 rubles. Interest income is paid at the end of the term and depends on the amount of funds placed: from 1,500 rubles. - 7.00%, from 100,000 rub. - 7.30%, from RUB 500,000. - 7.80%. The deposit cannot be made in favor of a third party and can be closed early (interest is recalculated at the “Demand” rate). Unlimited deposits and partial withdrawals are allowed.
- "Your pension reserve." Pensioners can make such a deposit only at a branch of a financial institution. The deposit is opened in Russian rubles for the following periods: 91, 184, 367 days. The minimum investment amount is RUB 1,500. Interest is calculated as follows (payments at the end of the term): 91 days - 9.00%, 184 days - 9.20%, 367 days - 9.30%. Replenishment and withdrawal of funds are not provided. Clients can terminate the contract early.
- "Your pension reserve online." This deposit program is issued only through the “online partner” remote service system. The deposit is opened in Russian rubles for a period of 91, 184, 367 days. The minimum down payment amount is set at RUB 1,500. Interest income is paid at the end of the term and is calculated as follows: 91 days - 9.20%, 184 days - 9.40%, 367 days - 9.50%. The conditions for the deposit are established: registration in favor of a third party, replenishment and partial withdrawal of funds are prohibited. In case of early termination of the contract, interest is recalculated at a special rate.
- "Your retirement income." The program is issued in the name of the depositor only at the bank branch. It establishes the following conditions: minimum contribution - 1,500 rubles, term of placement of funds - 91, 184, 367 days, unlimited replenishment, partial withdrawal of funds in the amount of capitalized interest income (accrued monthly and at the end of the term, can be added to the deposit or credited to the card customer account). Interest rates depend on the placement period: 91 days - 7.20%, 184 days - 8.70%, 367 days - 8.80%. The possibility of early termination of the contract is provided.
- "Your retirement income online." The deposit is made only through the “online partner” system in Russian rubles. The period for placing funds is chosen by pensioners individually: 91, 184, 367 days. The minimum investment amount is RUB 1,500. Interest rates depend on the deposit term: 91 days - 7.40%, 184 days - 8.90%, 367 days - 9.00%. The deposit cannot be opened in the name of a third party, interest is paid monthly and at the end of the term (capitalized or transferred to the depositor’s card account), the agreement can be closed early, and unlimited replenishment is allowed. Clients can withdraw funds from the deposit within the limits of capitalized interest income.
Special deposits
This line includes three Tatfondbank deposits, which can be issued on favorable terms in 2017:
- "New Year". This deposit can be opened both in the online partner remote banking system and in the office of a financial institution (in this case, a deposit can also be opened in favor of a third party). It is issued in Russian rubles for a period of 184 days. The annual interest rate (payment is made at the end of the term) is set at 9.50%. The minimum investment amount is 500,000 rubles. In case of early termination of the agreement, interest income is recalculated as follows: from 1 to 90 days of the deposit validity - at the rate of the “On Demand” program, from 91 days (inclusive) - at a rate of 4.75%. The deposit does not provide for additional contributions, expense transactions, minimum balance, or additional conditions.
- "Your investment." It can be issued in Russian rubles only at a branch of a financial institution for a period of 184 or 367 days. The minimum deposit amount, which is also the minimum balance (determined when drawing up the agreement), is set at 100,000 rubles. The interest rate depends on the term of placement of funds (income is paid at the end of the term): 184 days - 8.40%, 367 days - 8.60%. Clients can make unlimited deposits and withdraw money within the minimum balance. Only those individual residents of the Russian Federation who, at the time of submitting an application, have an investment account opened with Tatfondbank, a trust management agreement or insurance issued by SK Renaissance Life LLC can take part in the program. In case of early termination of the agreement, interest is recalculated at the rate of the “Demand Deposit” deposit for the actual period of stay of the money in the deposit account. This deposit has an automatic extension.
- "Your future." This deposit can be made by individuals only at a branch of a financial institution in the name of persons under the age of majority (must not be 18 years old on the date of signing the agreement). A ruble deposit (the minimum investment amount is set at 0.01 rubles) is opened for a period of 1100 days. The program has an interest rate of ½ the key rate of the Central Bank of Russia. Clients are allowed to replenish their deposit, carry out debit transactions without restrictions, and automatically renew contracts. Interest income is paid once a month and on the day the program expires (funds are transferred to the main deposit account). If the deposit is closed early, interest will be calculated at the rate of the “On Demand” program, but income already paid will not be recalculated.
Deposit program "On demand"
In 2017, Tatfondbank offers individuals the “On Demand” deposit product. This deposit provides for unlimited replenishment, capitalization of interest income or its monthly payment, and partial withdrawal of funds. An interest rate of 0.001% is applied, which is why Russian citizens view this program as a tool for accumulating savings, but not for increasing them. When the deposit amount increases, the interest rate does not change. Clients cannot terminate the contract early on preferential terms, nor can it be automatically extended.
Founded in 1994, Tatfondbank managed to occupy a high position in the ranking of Russian banks. This financial organization is among the top 50 banks in Russia with the largest capital, and the number of branches throughout Russia exceeds a hundred.
Tatfondbank was able to achieve such results due to its versatility: the company serves both individuals and legal entities and provides a wide range of services.
Opening algorithm
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Today, opening a deposit in Tatfondbank is not a problem for most citizens. To perform this operation, it is enough to come to one of the bank branches, taking with you the necessary documents. A bank employee will advise and help you choose the tariff that best suits the client’s needs.
A similar operation can be done via the Internet. If the depositor is already a client of the bank, for example, he has a salary card or account, then he can make a deposit through his personal account on the Tatfondbank corporate website.
When making a deposit, an agreement is concluded between the bank and the client, which contains provisions defining the rights and obligations of the parties within the framework of a specific tariff. If at the end of the deposit period the client has not withdrawn his savings, the contract is extended on the original terms.
Paper requirements
To register a deposit, an individual will need the following documents:
- Russian Federation passport. The document must not be out of date or have lost integrity (the information must be legible).
- Pensioner's certificate. Necessary for pensioners who intend to open a pension deposit.
- The authorized representative will need to present a power of attorney of the established form.
To open a deposit, a foreign person without Russian citizenship will need, in addition to his national passport, to present documents confirming the legality of his presence on the territory of the Russian Federation (migration card, etc.)
Accumulation
Your reserve
A special feature of the deposit is that it can be opened to a third party. The deposit is made for a certain period, and the interest rate depends on its size.
The terms of the tariff do not provide for the possibility of withdrawing part of the funds or, conversely, additional investments. If the client decides to terminate the deposit early, the interest rate will be recalculated at the “On demand” tariff.
Your reserve online
The deposit is similar to the previous one, but with the condition of mandatory opening through the “Online Partners” system. The deposit also has a higher interest rate. The remaining parameters (possibility of replenishment, early withdrawal) are identical to the main tariff.
Your income
The universal tariff has the possibility of making additional contributions to the amount of the initial deposit, as well as withdrawing accumulated interest. Accrual payments occur once a month, as well as on the last day of the deposit term.
You can open an account either for yourself or for a third party. Separately, it is worth mentioning the rules for early termination of the contract: when carrying out this operation, the deposit rate will be recalculated according to the terms of the “On Demand” tariff, and the difference between the interest already paid and the interest at the reduced rate will be deducted from the total amount.
In general, the tariff is designed for those who want to receive monthly income from their deposit.
Your income online
A variation of the main “Your Income” tariff, but with mandatory opening in the “Online Partner” service system. The deposit has increased interest rates, otherwise its conditions are similar to the standard offer.
Control
You determine the percentage
The main advantage of this deposit is the possibility of partial withdrawal of funds. But provided that there will always be a minimum balance left on the account.
Also, the size of the interest rate on the deposit depends on the size of this amount. Product terms and conditions require additional fees. Basic interest charges are paid at the end of the deposit term.
You determine the percentage Online
A variant of the previous deposit with the condition of registration through the Internet service system “Online Partner”. Also, this deposit has a slightly higher interest rate and a new minimum amount/minimum balance has been added.
The basic provisions of the tariff regarding the possibility of partial withdrawal, determination of the interest rate, etc. are similar to the standard tariff.
You control the percentage
In this type of deposit, the interest rate is determined by the actual account balance. Thus, the investor can independently regulate the size of the bet. This deposit can only be opened at a bank branch, where you can also find out the details of deposits in Tatfondbank.
The provisions of the agreement provide for the possibility of making replenishments, as well as withdrawing part of the funds from the account, provided that an amount not less than the minimum balance remains on it.
In case of early termination of the deposit, accruals are recalculated at the “On Demand” tariff rate. Interest accruals are paid after the end of the contract.
You manage your interest online
Internet version of the previous deposit with higher interest rates. Also, an additional threshold amount was added to the tariff, and the minimum balance was reduced.
Available only through the Online Partner service system. The remaining conditions of the tariff are completely similar to the standard offer.
Currency
Your currency reserve
The first of Tatfondbank's foreign currency deposits. Deposits can be made only at bank branches, either for yourself or for a third party. The terms of the agreement provide for the possibility of monthly withdrawal of interest charges and making additional contributions.
The rate is determined by the duration of the deposit. In case of early termination of the contract, the rate is recalculated at the “On Demand” tariff, and the difference between the accruals paid at the main rate and interest at the new, reduced one is deducted from the principal amount of the account balance.
Your currency reserves Online
Option of the previous tariff with online registration. You can open a deposit only through the “Online Partner” system. The tariff added a new minimum contribution and increased interest rates. The remaining conditions are identical to the main tariff.
You distribute currencies
A multi-currency deposit that is opened simultaneously in three currencies - rubles, dollars and euros. An account can be issued either for yourself or for a third party.
When drawing up an agreement, the first payment is made in rubles; subsequently, part of these funds is converted at the bank’s rate into other currencies. According to the terms of the deposit, the client can make deposits without restrictions.
The interest rate is determined by the duration of the deposit. The depositor cannot withdraw funds in installments; payments on accruals occur at the end of the deposit period. To carry out conversion operations, a minimum balance is established.
After the early termination of the deposit validity period, accruals on the amount are recalculated at the “On Demand” tariff rate. If an early withdrawal of part of the funds is made, then the remaining amount of three currencies is converted into three “Demand” deposits, for each currency, respectively.
If at the end of the contract the client does not terminate it, then the deposit is extended under the same conditions. If these conditions are no longer valid at the time of the renewal procedure, the deposit amount is transferred to three “On demand” accounts - one account for each currency.
VIP offers
Carefree summer
Currency type | Russian ruble | ||
Duration of deposit, days | 183 | ||
Payment method | At the end of the period | ||
Maximum contribution amount | Interest rate, % per year | ||
First period (1-61 days) | Second period (62-122 days) | Third period (123-183 days) | |
1000000 | 9,3 | 10,7 | 11,2 |
3000000 | 9,7 | 11,1 | 11,6 |
10000000 | 9,8 | 11,2 | 11,7 |
Possibility of replenishment | Yes | No | |
Early termination rate | Interest already paid is not recalculated. For the unfinished period, they are recalculated at the rate “On demand.” |
Capital Management
General terms
- The bank issues only registered deposits, which can be handled either by the owner himself or by an authorized person, provided that he has the appropriate identification.
- To open a deposit, individuals must have an identity card, TIN (if available). In case of registration of pension deposits, you will need to present a pensioner's ID.
- All Tatfondbank deposits are insured in accordance with the legislation of the Russian Federation.
- Charges are calculated from the day following the receipt of funds into the account until the day of return to the client or debiting.
- Monthly payments on deposits “Your Income” “Your Income Online” “Your Pension Income” “Your Pension Income Online” are made to card accounts or to a current account, at the client’s discretion.
- Interest payments are taxable.
- The bank can freely change the “On demand” rate, which it notifies clients about a month in advance through the media.
- If upon expiration of the contract the client does not terminate it, the deposit is automatically renewed under the same conditions. If these conditions are no longer valid, then the remaining amount is transferred to the “On Demand” deposit.
- When returning a currency amount, only whole units of currency are paid. Fractional ones are converted into rubles at the rate of the Central Bank of the Russian Federation.
- A commission may be charged for deposit transactions, except for non-cash pension transfer transactions.
Citizens of the Russian Federation can independently open a deposit and manage it from the age of 14, without the consent of parents, guardians, etc.
Tatfondbank deposit insurance
All deposits in Tatfondbank in 2019 are insured in accordance with the legislation of the Russian Federation. The bank itself is a participant in the state deposit insurance system. This system is designed to save the savings of citizens of the Russian Federation.
Key points of the system:
- The insurance premium is paid provided that the bank's license is revoked and it ceases operations. In this case, immediate insurance payments are made to clients.
- The premium amount is 100% from the amount of the contribution, but cannot exceed 1400000 rubles. Moreover, if the client has several accounts opened in one bank, but the total amount is higher 1.4 million rubles., then in any case he will receive compensation no higher than this amount. In order to safely place capital above 1.4 million rubles. it must be placed in different banks.
- Insurance does not require additional registration; it is provided for by the law of the Russian Federation.
- Payments of savings are handled by the Deposit Insurance Agency (DIA).
FAQ
Are deposit income subject to taxes?
Yes, ruble accruals are subject to taxation, the interest on which exceeds the refinancing rate of the Central Bank of the Russian Federation by 5 points.
Interest in foreign currency is taxable if the rate is higher 9% . Moreover, taxes are levied on the difference between actual income and the amount calculated at the refinancing rate plus 5 points.
The tax amount is 35% from citizens of the Russian Federation and 30% from foreign clients. More details in.
Is Tatfondbank included in the deposit insurance system?
Yes, Tatfondbank, like all Russian banks, is obliged to participate in the deposit insurance system for citizens of the Russian Federation.
How is interest calculated?
Accruals are made from the day following the day the funds are credited to the bank account until the day the funds are debited.
If the expiration date of the deposit falls on a weekend, how is the date calculated?
Tatfondbank is one of the most steadily growing banks in Russia: as of the beginning of 2016, its assets grew by 3%. The history of the organization goes back 22 years, the head office is located in Kazan. The bank provides individuals with the opportunity to open deposits under several financial programs, guaranteeing their safety and growth.
Deposits of individuals in Tatfondbank in 2016-2017
Both a resident of the Russian Federation and a foreign citizen have the right to become a depositor of Tatfondbank. Based on the legislation of the Russian Federation, all deposits will be insured. In addition, taxes will be charged on the funds.
You can find out what programs exist in our new publication at the link.
The package of documents required for opening a deposit by individuals in Tatfondbank in 2016-2017 is as follows:
- Identity card (passport or other).
- Certificate of issue of TIN (if available).
Additionally you will need:
- pensioner- pensioner's ID;
- client representative– legally executed power of attorney;
- non-resident of the Russian Federation– a migration card, as well as a document certifying the right of a foreign citizen to reside on the territory of the Russian Federation.
A complete list of conditions for deposits is available on the bank’s official website. You can also read the text of the agreement there.
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Financial management programs for individuals at Tatfondbank: interest on deposits and terms
Tatfondbank accepts deposits from individuals under 4 different programs, the conditions of which vary significantly.
The depositor can manage the funds in the account opened under this program - convert them from one currency to another.
General terms and Conditions:
- the depositor must be connected to the “Online Partner” banking program;
- investment period – 367 days;
- interest on deposits is paid at the end of the term;
- The minimum down payment amount is equal to the minimum balance.
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You can pre-calculate your deposit using an online calculator on the bank’s website. In the application, you must enter the currency, amount and investment period, after which the program will display the appropriate types of deposits with interest rates and the total amount.
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