PSB has changed the terms of savings accounts

Since October 27, PSB has changed the terms of savings accounts, learned RBC Investments from the updated tariffs on the website of the credit institution.

On the accumulative account "Attention on interest" with the accrual of interest on the daily balance, the base rate has not changed and is 5% per annum. At the same time, premiums have decreased, with the help of which it is possible to increase profitability. From 27 October, they are:

for spending from ы10 thousand – 5 p.p. (-1 p.p.); from ы50 thousand – 6.5 p.p. (-1.5 p.p.); from ы100 thousand – 7 p.p. (-2 p.p.); from ы150 thousand – 8 p.p. (-2 p.p.); from ы250 thousand – 9 p.p. (-2 p.p.).

Thus, the maximum rate on the account is reduced to 14% per annum (previously - 16%). It will be available when spending on PSB cards in the amount of м 250 thousand, in other cases, the rates now range from 11 to 13% per annum.

In addition, instead of accounts “Pro reserve” and “Guardian” the bank launched accounts “Impulse” and “Vector”.

The Impulse savings account with interest on the daily balance offers a welcome rate of 15% for the first two months for new customers (who have had no deposits and accounts for 180 days). The welcome rate is valid for up to стве5 million. From the third month or with investments over х5 million, the base rate will be 9% per annum.

Accumulative account "Vector" gives a choice of two ways of accruing interest:

on the minimum balance, the maximum rate will be 11.5% per annum with a minimum balance of ке3 million on the account during the calendar month, with a balance of ке500 thousand to ке3 million - 11%, with a balance of up to ке500 thousand - 10.5%; on the daily balance, the maximum rate will be 10.5% per annum with a daily balance of ке3 million on the account every day, with a balance of ке500 thousand to ке3 million - 10%, with a balance of up to ке500 thousand - 9.5%.

Earlier, the bank reported a decrease in yield on deposits with an increased rate.

Average deposit rates

RBC Investments calculated the average maximum rate on deposits in the top 10 largest banks. On October 27, depending on the date, it is:

for three months - 13.46% per annum; for six months - 13.36%; for one year - 12.63%.

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 27, 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 - 12.32% (unchanged for the week); for three months - 13.02% (-0.01 pp); for six months - 12.82% (unchanged); for a year - 11.89% (+0.02 pp).

Rates are indicated excluding allowances and financial platforms.

The most favorable deposit rates for October 27

According to the monitoring of RBC Investments, as of October 27, according to the proposed yield, depending on the term, the leaders are:

for three months - Bank Dom.RF with a rate of 14.5%; for six months - PSB with a rate of 14.4%; 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 October 26, changed rates or conditions for savings products:

Sberbank launched a savings account with interest on the minimum balance with a rate of up to 14.5% per annum; PSB changed the conditions for savings accounts.

The conditions for deposits and savings accounts specified in the material are not a public offer, they are placed solely 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.