Sovcombank increased rates across the entire line of deposits

Since October 1, Sovcombank has improved the conditions for deposits, follows from the updated tariffs on the website of the credit institution, which studied RBC Investments.

On the contribution of "Generous Autumn" increased rates for terms from six months and now are:

for six months - 13.3% (+0.3 p.p.); for one year - 13.1% (+0.6 p.p.); for two and three years - 12.5% (+0.5 p.p.).

The maximum deposit rate has not changed and is 13.5% per annum for a period of three months. Such deposit rates are available without additional conditions. The minimum deposit amount is 50 thousand.

The yield on the deposit of Generous Autumn can be increased by 1-5 p.p. depending on the term in the presence of a paid subscription "Halva.Ten" or "Optima", as well as when making at least ten purchases on the card in the amount of у20 thousand per month (from у10 thousand for social cards).

On the deposit "Flexible" with the ability to withdraw funds by 0.3-0.6 p.p. increased rates for terms from three months. The maximum deposit rate is now 12.8% per annum for a period of three months. The minimum deposit amount is а10 thousand.

The rates on the deposit “Flexible” can be increased by 1-2 p.p. if there is a paid subscription “Halva.Ten” or “Optima”, as well as when making at least ten purchases on the card in the amount of у20 thousand per month (from у10 thousand for social cards).

For the contribution “Regular %%” with income, rates have increased monthly for periods of six months and are now:

for six months - 12.7% (+0.3 p.p.); for one year - 12.2% (+0.6 p.p.); for two years - 10.5% (+0.5 p.p.); for three years - 9.5% (+0.5 p.p.).

The rates are indicated without additional conditions, they can be increased by 1-5 p.p. depending on the term. The conditions for obtaining an increased rate are similar to the deposits "Generous Autumn" and "Flexible" - when making purchases on the card and having a subscription "Halva.Ten" or "Optima". The minimum deposit amount is 50 thousand.

Sovcombank last reported an improvement in deposit conditions at the end of July.

Average deposit rates

RBC Investments calculated the average maximum rate on deposits in the top 10 largest banks. As of October 1, depending on the date, it is:

for three months - 13.47% (-0.02 p.p. per week); for six months - 13.31% (-0.01 p.p.); for one year - 12.62% (+0.07 p.p.).

When calculating the average maximum rate, deposits in the amount of е100,000 were taken into account without additional conditions, except for new money or new customers. All rates are indicated in an effective amount (for deposits with capitalization, the maximum yield is given when this condition is met), without the possibility of withdrawal and replenishment of the account.

As of October 1, according to the daily FRG100 index, in the 81 largest banks, the average deposit rate for the amount of ам100 thousand, depending on the term, is:

for one month - 12.26% (+0.01 p.p. per week); for three months - 12.95% (-0.01 p.p.); for six months - 12.84% (+0.03 p.p.); for a year - 11.78% (+0.06 p.p.).

Rates are indicated excluding allowances and financial platforms.

The most favorable rates on deposits on October 1

According to the monitoring of RBC Investments, as of October 1, according to the proposed yield, depending on the term, the leaders are:

for three months - Bank Dom.RF with a rate of 14.4%; for six months - PSB with a rate of 14.15%; for one year - PSB with a rate of 13.9%.

Deposits in the amount of ы100,000 were counted without additional conditions, except for new money or new customers. All rates are indicated in an effective amount (for deposits with capitalization, the maximum yield is given when this condition is met), without the possibility of withdrawal and replenishment of the account.

Which banks have changed deposit rates

According to the monitoring of RBC Investments, among the top 10 banks this week, from September 28, changed rates or conditions for savings products:

RSHB multidirectionally changed the rates on the deposit “Your contribution”; PSB increased the rates on deposits; GPB launched a cumulative “GPB account” with a rate of up to 14% per annum; Sberbank launched a contribution for paying customers with a yield of up to 12.65%; Sovcombank raised rates across the entire line of deposits.

The conditions for deposits and savings accounts specified in the material are not a public offer, they are placed only for preliminary acquaintance. Before making a decision on the placement of funds in a banking organization, it is necessary to specify in it the full conditions on the date of opening the deposit.