Bank "Uniastrum": deposits for individuals

In 1994 the commercial Russian bank Uniastrum was established. Deposits are the main product offered to them. But the organization also manufactures plastic cards, consumer loans, deposits, currency exchange operations, money transfers, "Unistream", etc. To date, Uniastrum ranks 63 out of 600 in the rating of Russian banks. The number of its assets is more than 108 billion rubles. But here's what I would like to tell you more about, so it's about contributions.

"Perspective"

This is the name of the tariff from which I would like to begin. You can open it in rubles, dollars and euros - on 91, 181, 271 and 370 days. At least you need to invest 10 000 rubles. Or $ 150 / €. The maximum is not limited. Interest is accrued at the end of each month or after the expiry of the term (all at once). Another contributor can choose where they will come to him - to the current account or to the card. Better immediately put a large amount, because the function of replenishment is not provided.

So, what interest can Uniastrum Bank offer? Deposits for the "Perspective" tariff are very profitable. It is best to make a short-term investment - on 91 days, and in rubles. Then the rate will be 8.75% per annum. If, for example, to invest 1 000 000 r, then after 91 days the client will receive 21 875 rubles of profit. In dollars, the most profitable period is 370 days. As in the euro. The rate is 1.5% and 1.3% respectively.

"Universal"

This is another advantageous tariff offered by Uniastrum Bank. The deposits "Jubilee", "Available" and "Large percentage", which need to be prolonged, often serve as the basis for the opening of the "Universal". The term is 91, 181, 271 days and exactly 1 year. The amount can be from 20 tr. Up to 20 million rubles. Or from $ 1,000 to $ 500,000. If you want to invest in euros, then the range will be the same. Replenishment, by the way, is provided. But only within the maximum amount.

For ruble deposits, the most favorable interest is again set for 91 days - 8.25% per annum. If you want to make an investment in dollars or euros, then you need to make out everything for a year. The rates are 1.5% and 1.3% per annum, respectively. Interest is transferred to the account every month.

"Progress"

Another tariff that Uniastrum Bank offers its clients. Deposits of this type are also accepted in rubles, dollars and euros - for terms similar to the above. The minimum amount is 10,000 rubles, and the maximum is not limited. Interest is accrued on the first day of each new month and at the end of the period. If such an option does not suit you, you can ask to pay profit once - at the very end.

Replenishments are provided. There is no time limit. But replenishment of the account should be at least 1000 rubles. If a person "forgot" that he has a deposit, then he is automatically renewed for the same period for which he was open.

The interest is slightly lower than in the previously mentioned cases. "Uniastrum-Bank" deposits offer different - all of them have their own advantages, which are accompanied by certain nuances. In this case, it's just a bet. 7.75% per annum for ruble deposits for a period of 91 days. If you open it for 370 days, then the interest will be reduced to the level of 7%.

"Independence"

It is worth saying a few words about this tariff, which is offered by Uniastrum-Bank. Deposits have their own characteristics, and "Independent" is not an exception. In its name, strictly speaking, lies what distinguishes it from the rest. But first, general information.

It opens only for 370 days, with a minimum amount of 10,000 rubles and an unlimited maximum. Interest payments - monthly, to the card. They are also included in the deposit amount (capitalized). Replenishment is possible, besides there are no restrictions on periodicity and amount (the exception is the last 30 days of the term). But a person should at least put on top 1000 rubles.

It is also possible to withdraw the deposit. There are no restrictions on periodicity. The most important thing is that the minimum deposit amount is kept on the account. Prolongation is automatic, for 370 days. The rate is 7.25% per annum (rubles), 1% (dollars) and 0.8% (euro).

"Anniversary"

And this rate is offered by this organization. The contribution of "Jubilee" "Uniastrum-Bank" made very profitable. 9.5% per annum on opening for a year! The amount can vary from 20 000 (this is a minimum) to 20 000 000 rubles. Interest is accrued on a monthly basis. In addition, their capitalization takes place. Which is very good. For example, if a person has invested a maximum (20 million), then every month to his contribution will be added 158,333 rubles.

Replenishment, by the way, is provided. But within the declared maximum. Also it will not be possible to replenish the deposit in the last 60 days of the term.

The withdrawal of the amount is possible. The main thing is to keep the established minimum (20 000 r) on the account. And early termination of the contract is also provided. But if there is such a need, a person will lose a considerable amount. Means interest. Instead of payments at a rate of 9.5% per annum, it will receive only 6.33%.

If you compare deposits in Uniastrum-Bank for individuals, then Yubileiny will in all fairness be the best and most convenient in terms of terms.

What else is worth knowing

It is important to note the fact that the organization "Uniastrum" participates in the mandatory deposit insurance system, which can not but inspire confidence.

To open a deposit, you need to prepare some documents. It will take an original and a copy of the passport. Also, instead of him, you can present a civil "zagran". Or the seaman's passport, who such is. A military ticket or an employee's identity card is also suitable.

In addition, you will need a copy of the TIN certificate, which must be notified in advance from the notary. But you can do without it, and just show the original along with it.

Independently anyone who wants to enter the age of 14 years can open the deposit. But with the presentation of all the above documents. And by the way, the number of deposits opened by the person is not limited. There can be as many as you like. This can be verified by contacting Uniastrum-Bank.

Reviews on deposits are mostly positive. The interest rate does not change during the whole period, the payments are not delayed, the conditions are transparent. When opening a deposit, even citizenship and residence permit have no value: everything is for the comfort of customers. And this is the main reason for trust.