BPS bank deposits. Services of "BPS-Sberbank": lending and deposits BPS Sberbank Belarus deposits in foreign currency

Introduced a contribution with the festive name "New Year's".

Sberbank also made its profitable New Year's offer 2019-2020, which, as they say, depositors will not be able to refuse. it

Calculation of New Year deposits of Sberbank 2019-2020

Let's calculate how much you can earn if you make deposits offered by Sberbank for the New Year 2020. For example, we will invest 100,000 rubles for various periods.

✓ 4 months - "New Year's bonus" with a rate of 4.85% will bring an income of 1,628 rubles. A “profitable start” cannot be opened for such a period.

✓ 6 months - "Favorable start" at 5% will bring an income of 2,527 rubles, and "New Year's bonus" with a rate of 4.85% will earn 2,451 rubles.

✓ 9 months - "New Year's bonus" with a rate of 5.25% will bring an income of 4,016 rubles. "Favorable start" for such a period is not issued.

✓ 12 months - "Favorable start" at 5.5% will bring an income of 5,642 rubles. "New Year's bonus" for 1 year can no longer be opened.

✓ 18 months - "Favorable start" with a rate of 5.85% will bring an income of 9,140 rubles. "New Year's bonus" for a year and a half is also not issued.

Conclusions: which of the New Year's deposits of Sberbank is the most profitable today?

As shown by our simple calculation, it is impossible to answer this question unambiguously. It all depends on how long you plan to deposit money. If you want to invest for 4 or 9 months, then the New Year's bonus will be more profitable. And if for 6, 12 or 18 months, then the Profitable Start will be more attractive.

This year, when choosing a winter holiday deposit, I do not advise you to get hung up on Sberbank, continues Victor Davidenko, an expert on deposit programs on the site. For example, in Post-Bank, a New Year's deposit for 275 days (9 months) can be opened at 6.2% per annum. And Sberovsky "New Year's bonus" with the same period gives only 5.25% per annum.

Will interest rates rise in the future?

This question is being asked by many today. And here's what banking professionals have to say about this.

“If inflation does not accelerate, for example, due to external shocks, then we can expect a further reduction in rates on ruble deposits,” says Georgy Vashchenko, head of operations on the Russian stock market at Freedom Finance Investment Company.

Vyacheslav Putilovsky, junior director for banking ratings at Expert RA, believes that the downward trend in deposit rates is likely to continue until the end of this year. “At the same time, traditional New Year's shares in the deposit market are likely to cause a slight local increase in profitability, but will not change the trend,” he suggests.

And at all a sad picture is painted by the Chairman of the Board of the Bank "FC Otkritie" Mikhail Zadornov. According to him, the Russian population realizes for the first time that in the banking system, deposit rates can be either 4% or 5%. “It is clear that a Russian citizen, who is mostly used to either buying housing as an investment or keeping money in banks, will pay more and more attention to investment products and investments,” he said.

Contacts for information

Learn more about the conditions and interest rates of the new deposit of Sberbank, as well as other deposits, on the official website www.sberbank.ru or at bank branches.

JSC "BPS-Bank" was formed back in 1923 in the Republic of Belarus. Until 1941, he provided long-term loans in various industries and energy sectors. Expanded the scope of its activities and opened new branches in the regional centers of Belarus.

During the years of the Second World War, the bank ceased its activities due to the temporary seizure of the territory. In the post-war period, BPS-Bank began work very quickly and fully fulfilled the tasks assigned to it for the operational use of money that was allocated for the restoration of the national economy.
In 1987, a banking reform was introduced, as a result of which the Industrial and Construction Bank of the USSR was formed. BPS-Bank began to perform a full range of banking operations, which included not only investments and lending, but also a number of other banking services.

In October 1999, BPS-Bank was renamed into Open Joint Stock Company Belpromstroybank. 10 years after this event, the Representative Office of the Republic of Belarus and Sberbank of Russia signed an agreement for the purchase by Sberbank of Russia of 93.27% of the shares of OJSC BPS-Bank, as well as the conclusion of an investment agreement for the long-term development of BPS-Bank.

In October 2001, it was decided to slightly change the name of the financial organization and now it is BPS-Sberbank Open Joint Stock Company.

Today BPS-Sberbank is a universal organization that provides all types of banking services to individuals and legal entities. Various loan programs are very popular. Any individual and legal entity, with the appropriate package of documents, can apply for a consumer loan, take money to buy real estate or a car, to open or expand an existing business.

You can apply for a loan in the following forms:

• overdraft on a card;
• opening a credit line;
• provision of credit funds in cash or on a bank card.

Any bank is interested in the reliability of its partner, therefore, certain requirements are imposed on each potential client. Here are just a few of them:

• borrower's income
• whether there are loans, debts and loans in other organizations;
• for how long the funds will be issued;
• in what currency the client will issue a loan;
• collateral for credit money;
• type of loan product.

It is impossible to unequivocally answer whether the bank will refuse to issue funds or approve the application. If you have never had problems on the above points, then your cooperation with the bank will bring a pleasure.

If you are skeptical about lending, but like to make money easily, then a great option to increase your capital would be cash deposits in any currency. For individuals and legal entities there are term deposits with a minimum term of 1 and 3 months. The maximum period for which a bank concludes a deposit agreement is 3 years. Accordingly, the larger the deposit amount and the period for which you open a bank account, the greater your interest income will be.

Settlement and cash services

Even if you have never taken loans, and there are simply no free funds for deposits, then you can simply evaluate the work of settlement and cash services in a bank. Of course, it is most convenient to connect the BPS Internet Bank and make all payments without leaving home from a desktop computer or tablet, but so far not all bank customers have mastered this technology.

Settlement and cash services at BPS-Sberbank mean maximum convenience for customers, high speed and reliability. The client can use the services of settlement and cash services, both in Belarusian rubles and in foreign currency.

• opening an account;
• any payment transaction;
• money transfers around the world;
• receiving pensions and benefits.

When issuing a bank card, the client is connected to the Internet banking of the BPS bank. With the help of Internet banking, you can make transfers from one card to another, pay utility bills, replenish a deposit, view the balance of funds on your card, and pay for purchases in online stores.

Often there are situations when the payment did not go as intended due to a technical failure or an error in entering a personal account. In the event of such a situation, the bank is ready to withdraw the payment document, find the payment, make the necessary requests and provide statements of the client's accounts.

Other bank services

A banking service is not only opening a deposit account or obtaining a loan, but also cash transactions. Any BPS-Sberbank client can use:

• an electronic service that works from anywhere in the world while observing the most basic security requirements for your account. A striking example of such electronic banking services provided by BPS Bank is Internet banking;
• payments by Visa plastic card anywhere in the world;
• currency exchange operations, as well as consulting on currency legislation;
• services of collectors and delivery of money to legal entities and individuals;
• an individual bank safe that will keep you safe and sound securities, money, shares or jewelry. A separate guarded room is allocated for the vault, where the client can choose a safe of the size he needs.

BPS-Sberbank serves the largest factories in Belarus. All activities of the bank are absolutely transparent. Branches and representative offices of the bank are opened not only in the Republic of Belarus and the Russian Federation, but are already beginning to develop in Poland. The first branch of the bank outside of Russia and Belarus has already been opened in Warsaw, and in the future the banking network plans to grow and develop in other cities of the post-Soviet space.

OJSC "BPS-Sberbank" is one of the largest long-lived banks among those existing in the Republic of Belarus. This is an open institution that regularly provides its financial indicators.

BPS Bank, whose deposits for the population always turn out to be the most profitable for the growth of funds, is the most popular and reliable. The institution has a huge international network of connections. Today, depositors have the opportunity to draw up agreements on bank deposits in any currency. This is also due to the fact that the interest rate of foreign currency is an order of magnitude lower than the interest rate in rubles. But, nevertheless, the most popular currency in BPS Bank is the Belarusian ruble.

The bank provides an opportunity to make deposits in Belarusian rubles of your choice.

Clients can use different types of bank deposits: "on demand" and "urgent". The latter with a higher interest rate, but on the other hand, demand deposits provide the withdrawal of all funds at any time.

The most popular options among customers are "Save", "Replenish" and "Manage". Their advantages include:

1. Currency savings are placed for an individual period. Thus, the client invests money for a period convenient for him. Due to the fact that interest rates are not rigidly fixed, the client does not lose his interest accrual in case of a shortage of the number of days.
2. Flexible conditions for accrual of interest rates and their withdrawal. The client has the opportunity to use the accrued interest at any time convenient for him. In the event that the client did not use the interest, then they are automatically summed up to the principal amount of the deposit. In this case, your final income increases.
3. Simple early termination. If it is necessary to close the bank deposit early, the interest savings that the client was counting on are not lost. Depending on the period specified in the contract, upon termination of it after 3 months, from 50% to 100% of accrued income will be paid.
4. Easy automatic renewal of the current deposit. In the event that the client does not need to withdraw funds from the deposit, it is automatically extended for a new similar period. At the same time, there is no need to appear at the bank branch yourself, which saves the client's time.
5. The amount of additional contributions is not limited. Clients can easily replenish their bank deposits for the amount they deem necessary.

From February 24, 2014 JSC "BPS-Sberbank" introduces a new bank deposit called "It's time for surprises". Cash deposits can be not only in Belarusian currency, but also in foreign.