What is the most profitable deposit in Oschadbank? Interest rates on deposits in Oschadbank. Types of deposits in Oschadbank

Oschadbank of Ukraine is one of the most famous banking structures. This bank arose back in the Soviet era and has proven itself very well. Despite the fact that during the period of depreciation of money and the collapse of the Soviet Union, Oschadbank froze all deposits of the population, at the present time an active recalculation of all savings of those years is being carried out and their gradual return is being carried out. At the same time, Oschadbank continues to develop and improve. At the moment, it offers several options for profitable deposits for both young people and people of retirement age. Let's take a closer look at the deposits offered by Oschadbank.

Contribution " Deposit» offers such opportunities as placing money in a bank account for up to 3 years. The annual interest on this deposit depends on the storage period of the money; the deposit itself is accepted both in Ukrainian hryvnia and in foreign currency (dollars or euros). The minimum amount that can be invested is 500 hryvnia (if the deposit is in dollars or euros, the minimum amount is one hundred units). Interest is paid annually, quarterly or monthly. At the same time, you still have the opportunity to withdraw your invested money at any time without any damage.

Contribution " Cumulative" The terms for placing this type of deposit vary from 3 months to 3 years (you can place a savings deposit for six months, one, two or three years). A distinctive feature of this deposit is the ability to deposit additional money throughout the entire investment period; an interest rate will also be charged on it. Moreover, the amount of additional contributions must be at least 500 hryvnia (100 dollars or euros). The same amounts are set for the minimum placement of funds on deposit. Interest rates on the deposit are also calculated in accordance with the terms of placement of money (the minimum interest is received by depositors who have invested their money for 3 months, the maximum from the bank can be received by those clients who have invested money for a period of one to three years).

Oschadbank also takes care of pensioners. A separate deposit option is presented for them “ Pension term" Its placement is carried out for 1.5 years, however, the pensioner reserves the right to withdraw his money earlier, while receiving minimal interest on this deposit. If the “Pension” deposit is placed for 18 months, the client receives the following interest rates: 16.75% in hryvnia, 7.25% in US dollars, 6.5% in euros. The same interest is calculated if the client withdraws the money a year or more after placing the deposit. If the client withdraws the deposit before the end of the year, then interest is calculated depending on the period of time the money remains on deposit (if the deposit period is from six months to a year, only half the interest rate specified in the agreement is calculated; if the deposit is withdrawn before six months, account for only 30% of the agreed rate; in the event that the deposit did not last in the bank for a month, interest is not accrued on it at all. The minimum deposit amount for this deposit is 50 hryvnia or 10 dollars (euros). At the same time, pensioners have the opportunity to replenish their deposit In this case, interest is recalculated on the balance of the invested amount.

Contribution " New percentage» involves placing funds for 15 months subject to the following conditions: additional deposits are not provided for this type of deposit, the minimum placement amount is 500 hryvnia (100 dollars or euros). Interest on this deposit is paid quarterly, with the interest rate increasing after the quarterly re-discounting. If the deposit is withdrawn earlier than the period specified in the agreement, then interest on it is accrued for the last whole quarter. The highest percentage is calculated if the period of stay of money in the bank is 13-15 months and is 22% in hryvnia; 10% in dollars and 9.25% in euro currency.

Contribution " Combined" The shelf life of such a deposit is 18 months. The minimum deposit amount is 500 hryvnia or 100 dollars (euro). Money can be credited to the deposit account in cash or by bank transfer. The frequency of interest rate payments is carried out in accordance with the wishes of the client-depositor (monthly, quarterly, or at the end of the deposit term together with fixed assets). The client can deposit additional amounts into the deposit account throughout the entire deposit period (minimum contribution - 50 hryvnia or 10 dollars (euros)). Also, the client-depositor reserves the right to withdraw the entire deposited amount once during the entire deposit period without loss of interest accrued on it.

Contribution " Mobile" The deposit period is 1.5 years. The minimum deposit is 500 hryvnia or 100 dollars (euros). The client has the opportunity to additionally replenish the deposit account with amounts starting from 50 hryvnia or 10 dollars (euro). Interest is paid every month, quarter or at the end of the deposit term. The deposit can be withdrawn earlier without loss of interest, provided that the initial deposit has been in place for a month or more.

Contribution " Pension+» is given only to pensioners, placed for two years, the interest rate of the deposit is 8%, the minimum contribution is 50 hryvnia, the possibility of additional contributions. The client can withdraw his money from the account without losing interest.

As we can see, Oschadbank is trying to provide Ukrainians with favorable conditions for placing their funds; to obtain a deposit account, you need a minimum package of documents: a passport of a citizen of Ukraine and an identification number. The opportunity to open a deposit is also provided to citizens of other countries living on the territory of Ukraine, however, without the appropriate citizenship. To do this, such persons also need to provide a passport and taxpayer code. If a citizen of Ukraine lives abroad and is in the country temporarily (he has a visa and has other documents confirming the legality of his stay), then in addition to the above documents, he needs to provide documents that confirm the receipt of funds to the depositor’s account. Oschadbank also provides the opportunity to issue a power of attorney for the management of deposit accounts to a third party. Oschadbank also tries in every possible way to protect the funds of its depositors through insurance. When cooperating with an insurance company, the bank puts forward several basic requirements. Firstly, she must have positive experience of cooperation with other government agencies. In other words, the company must not have any debt to previous customers. With all this, the insurance company must have at least 5 years of experience. Oschadbank also requires its insurance partners to provide complete reports for the previous year or month, information about the head and subsidiary branches of the insurance company, information about the financial capabilities of the company, etc.

The Ukrainian state bank Oschadbank provides many different services. It is one of the largest financial institutions in the country. His work is known in all sectors of the Ukrainian economy. The institution also offers deposits. Oschadbank issues them on favorable terms.

Saving

An important indicator of an institution is its reliability. Ukrainian legislation guarantees the return of money to clients if this financial institution becomes bankrupt. A lot of people trust him. To open a deposit you need to have your passport with you. Registration is carried out on the basis of the client’s application.

Different deposits are offered for individuals. Oschadbank now works with such deposits as “Classic”, “Warm Hugs”, “Capital”, “Pension”, “Flexible”. Each program has its advantages.

"Classical"

This contribution is considered a term offer with normal terms and conditions. It is possible to conclude a contract for 7-36 days. The amount must be deposited once when opening an account, and no replenishment is required subsequently. This deposit will allow you to bring a stable income.

Oschadbank offers the client to choose the option of transferring income:

Every month.
Every quarter.
At the end of the agreement period.

The most favorable rate is provided with a deposit for a period of 18-36 months. In this case, the client receives a profit of 18.50% per annum. For example, with the placement of funds for 1 week, the bank offers 16.50%.

"Warm embrace"

This deposit is required to receive maximum benefits in a short time. The deposit period is 3 or 6 months. If you invest in hryvnias, then in the first case the annual interest rate will be equal to 19.00%, and in the second - 20.00%. It is possible to independently choose the conditions when making these deposits.

Oschadbank invites clients to take advantage of the benefits of its services. One of them is capitalization, which involves the accrual of interest on the main account. It turns out that you can also benefit from these funds. The possibility of replenishment is also provided. Interest can be withdrawn every month. It will not be possible to receive this deposit before the expiration of the contract.

"Capital"

If you don’t have a large amount, you can open a “Capital” deposit. It allows you to replenish funds. A contract is concluded for 3-36 months. Oschadbank pays interest to clients who have made such deposits every month. Capitalization is also carried out on the deposit account.

Deposit rates are provided in the range of 17.50-18.50%. The specific amount is determined based on the term. Deposits are opened in hryvnias. The minimum deposit required is 100 hryvnia.

"Pension"

Persons of retirement age can apply for “Pension” deposits at Oschadbank. Interest rates may vary, but they are in the range of 18.25-19.50%. To do this you need to have a pension certificate.

Clients can enter into a deposit agreement:

For 3 months.
For 6 months.
For 12 months.
For 18 months.

The advantage is the ability to replenish funds at any time. Additional contributions are not limited. Interest is received every month, quarter or after the end of the contract.

"Flexible"

This type of deposit is offered to those clients who wish to place funds for a long period. Because they cannot be removed during the term of the contract. It is possible to withdraw funds from the account one-time, without losing interest. No fines will be assessed.

Such benefits are provided if at least 31 days have passed since the deposit was founded. Oschadbank issues a deposit, the rates of which are very favorable for clients. The “Flexible” deposit pays 17% per annum. Clients can open it for 18 months with a minimum replenishment of 100 UAH. Payment methods are chosen by depositors.

Advantages and disadvantages

The main advantage of the bank is reliability. It is considered state-owned, so bankruptcy is reduced to zero. Clients can count on a guarantee of the return of deposits, as this is provided for by the legislation of the country.

Compared to other organizations, there are no restrictions on the amount. This is why many people turn to Oschadbank. Deposits with high interest rates are popular among residents of the country.

The downside is the weak service. You may find long lines at the bank because they pay utilities and other bills. Many branches do not have managers or tables for clients, but this is required for quality service to visitors.

The bank is working to use modern technologies. New branches are regularly opened, terminals are installed, and online banking is available. These innovations have reduced the load on the cash registers, so there are fewer and fewer queues. The bank is actively developing, which leads to improved customer service, as in many developed financial institutions. This increases the level of trust of regular and new visitors who invest their money in it.

In this review, you will become familiar with all of Oschadbank's deposit programs, their conditions, interest rates and features of placing deposits in Oschadbank.

As everyone knows, Oschadbank is a state-owned bank, 100% of its shares are owned by the state. Since the beginning of the existence of Oschadbank, and this is since the independence of Ukraine, Oschadbank has been one of the leading banks, which significantly influences the state of the banking sector in the country.

The main advantage of Oschadbank is its network of branches. Perhaps Oschadbank has the most extensive network of branches, which it inherited from Sberbank of the USSR. The number of Oschadbank branches is about 4,000 service points. This advantage allows Oschadbank to implement the most large-scale projects and take a leading position in the provision of banking services.

The main area in which Oschadbank specializes is saving and increasing the population's money. For this purpose, Oschadbank has a number of deposit and deposit programs that attract huge masses of our citizens. Also, the attractiveness of Oschadbank’s deposits lies in the fact that 100% of the population’s deposits are guaranteed by the state, this is a significant advantage among all Ukrainian banks, because other banks only guarantee the return of deposits up to 200,000 hryvnia.

In this review, we offer you the opportunity to familiarize yourself with all the deposit and deposit programs that exist at Oschadbank today, and consider their conditions and interest rates on them.

Deposits in Oschadbank - conditions and interest rates

The deposit range of deposit offers from Oschadbank changes very often, which makes it difficult to monitor the conditions and interest on them. Oschadbank also very often introduces promotional deposits, which have advantages in terms of conditions and higher interest rates.

At the time of writing this review, Oschadbank’s deposits consisted of 3 deposit programs - “My Pension Deposit”, “My Deposit” and “My Progressive Deposit”. Let's take a closer look at them!?...

My pension deposit.

This deposit program from Oschadbank is intended only for pensioners who are or are not serviced by Oschadbank. Provide your pension certificate and make this deposit at Oschadbank. This type of deposit program provides the possibility of replenishment. Interest accrual is possible in the following forms - monthly or capitalization of interest. One of the disadvantages is the lack of the possibility of early termination of this deposit and the automatic extension of the deposit, which as a result requires the depositor to control the expiration dates of the deposit.

We provide you with the opportunity to familiarize yourself with the interest rates on the “My Pension Deposit” deposit from Oschadbank...

A loyal offer for depositors of this type of deposit is the possibility of free opening of a premium card for those who open a deposit for large amounts.

Also, if you receive your salary through Oschadbank, then you can receive an increase to the basic interest rate in the amount of 0.25%.

My deposit.

This type of deposit from Oschadbank is intended for all existing and new clients of the bank. The minimum amount for opening a deposit is 200 hryvnia, 10 dollars or 10 euros, and it is possible to replenish this deposit by any amount. Interest is paid in two ways to choose from - monthly or interest capitalization, which provides for the monthly addition of accrued interest to the body of the deposit. This type of deposit product from Oschadbank does not have the possibility of early termination and there is no established auto-renewal, which is not very convenient, since the client needs to close the deposit or re-register it on the same day.

We provide you with interest rates on the “My Deposit” deposit from Oschadbank...

Also, this type of Oschadbank deposit has a gradation in amounts, which makes it possible to increase the interest rate by 0.25% or even 0.5%. If you receive a salary from Oschadbank, then you are guaranteed to receive an increase of 0.5% to the current rate.

My progressive deposit.

This type of deposit series of Oschadbank is intended for any category of Oschadbank clients; even if you are not a client of Oschadbank, you can place money on this deposit. "My progressive deposit" can be opened in 3 currencies - hryvnia, US dollar or Euro. Replenishment is without restrictions, and interest payments on this type of Oschadbank deposit are only monthly. This deposit cannot be terminated early and the deposit is extended automatically. Each deposit extension provides for an increase to the current interest rate of 0.10% in hryvnia and 0.05% in foreign currency. The total number of extensions consists of 11 extensions of the deposit term, which ultimately equals 1 year.

We provide you with interest rates under the Oschadbank deposit program “My Progressive Deposit”...

You can withdraw your deposit with interest in the intervals of each extension period, which allows you to control the term of the deposit yourself.