Deposits
You can get additional information from Irina Nikolaevna Zhukova and Olga Olegovna Rogacheva by phone:
+7 495 796 9355;
+7 495 139 4305 ext. 1105; ext. 1107
Funds can be placed in deposits for periods of 181 days, 365 days, as well as "On demand".
Interest on the depositor's attracted funds is accrued by the Bank on the balance of the deposit recorded in the corresponding personal account at the beginning of the business day. Interest is calculated based on the actual number of calendar days in a year (365 or 366, respectively).
Interest is accrued by the Bank on a monthly basis and is paid depending on the type of deposit, based on the annual interest rate determined by the current tariff. The threshold amounts are determined by the established tariff depending on the type of currency.
The placement of funds can be made in cash and non-cash in Russian rubles, US dollars or euros in the amount of 100,000 rubles, 1,000 US dollars and 1,000 euros.
It is allowed to make additional contributions to "On demand" accounts and fixed-term accounts (unless otherwise provided by the terms of the deposit agreement).
In case of early demand for funds, interest is accrued and paid in accordance with the terms of the contract.
Types of deposits
1. Deposit "STANDARD"
A deposit can be attracted for a period of 181 days, 365 days in Russian rubles in the amount of 100,000 rubles and for a period of 181 days, 365 days in foreign currency from 1,000 US dollars, from 1,000 EURO.
Interest is paid at the end of the term by transferring the amount of interest to the current account of the Depositor. The interest rate depends on the amount of the deposit, the currency of the deposit and the period for which the deposit is attracted and is set in accordance with the "Current rates on deposits of individuals" of the Bank.
It is possible to replenish the deposit without changing the interest rate established at the time of conclusion of the agreement. Replenishment of the Deposit is terminated 30 days before the end of the Deposit term. In case of early, full or partial, withdrawal of the deposit amount, the agreement is considered terminated and interest on the deposit is accrued and paid for the entire period at the rate of the "On Demand" deposit.
At the end of the deposit term, the agreement can be automatically renewed with the preservation of the deposit term, while the conditions, interest rate and tariffs are set in accordance with the terms and conditions valid in the Bank, the interest rate and tariffs for this type of deposit on the date of renegotiation of the Agreement.
2. Deposit "PROFITABLE"
The deposit can be attracted for a period of 181 days, 365 days in Russian rubles in the amount of 100,000 rubles and for a period of 181 days, 365 days in foreign currency from 1,000 US dollars, from 1,000 euros.
Interest is paid at the end of the term by adding the amount of accrued interest to the deposit amount. The interest rate depends on the amount of the deposit, the currency of the deposit and the period for which the deposit is attracted and is set in accordance with the "Current rates on deposits of individuals " of the Bank.
It is possible to replenish the deposit without changing the interest rate set at the time of conclusion of the contract. Deposit replenishment is terminated 30 days before the end of the Deposit period. In case of early, full or partial withdrawal of the deposit amount, the contract is considered terminated and interest on the deposit is accrued and paid for the entire period at the deposit rate "On demand".
At the end of the deposit term, the agreement can be automatically renegotiated with the deposit term remaining, while the terms, interest rate and tariffs are set in accordance with the Bank's current terms, interest rate and tariffs for this type of deposit on the day of renegotiation of the Agreement.
3. "PROFITABLE" deposit with balance limit
The deposit can be attracted for a period of 181 days, 365 days in Russian rubles in the amount of 100,000 rubles and for a period of 181 days, 365 days in foreign currency from 1,000 US dollars, from 1,000 euros.
Interest is paid at the end of the term by adding the amount of accrued interest to the deposit amount. The interest rate depends on the amount of the irreducible balance (limit of the balance) of the deposit, the currency of the deposit and the period for which the deposit is attracted and is set in accordance with the "Current deposit rates" of the Bank.
It is possible to replenish the deposit, as well as reduce the deposit amount (in this case, the balance of funds on the Account must be at least the established minimum minimum balance – the balance limit) without changing the interest rate set at the time of conclusion of the agreement. Deposit replenishment is terminated 30 days before the end of the Deposit period. If the amount of funds on the Account turns out to be less than the minimum balance, the contract is considered terminated and interest on the deposit is accrued and paid for the entire period at the deposit rate "On demand".
At the end of the deposit term, the agreement can be automatically renegotiated with the deposit term remaining, while the terms, interest rate and tariffs are set in accordance with the Bank's current terms, interest rate and tariffs for this type of deposit on the day of renegotiation of the Agreement.
4. Deposit «SOCIAL»
The deposit can be attracted for a period of 181 days, 365 days in the amount of 100,000 rubles of the Russian Federation, from 1,000 US dollars, from 1,000 euros.
Interest is paid monthly to the depositor's current account opened at the Bank or to the account of the NMB-VISA bank card. The interest rate depends on the amount of the deposit and is set in accordance with the "Current rates on deposits of individuals " of the Bank.
It is possible to replenish the deposit, without changing the interest rate set at the time of conclusion of the contract. Deposit replenishment is terminated 30 days before the end of the Deposit period. In case of early, full or partial withdrawal of the deposit amount, the contract is considered terminated and interest on the deposit for the entire period is accrued and paid at the deposit rate "On demand".
At the end of the deposit term, the agreement can be automatically renegotiated with the deposit term remaining, while the terms, interest rate and tariffs are set in accordance with the Bank's current terms, interest rate and tariffs for this type of deposit on the day of renegotiation of the Agreement.
5. Deposit "ON DEMAND"
The deposit is attracted in rubles of the Russian Federation and foreign currency on the terms of issue at the first request of the depositor. Interest on the deposit is accrued and paid monthly, on the last working day of the month, at the rate of 0.1% per annum on deposits in rubles, 0.01% per annum on deposits in foreign currency (the rate may change when the "Current deposit rates" of the Bank change). Accrued interest is added to the deposit amount.
It is possible to replenish the deposit and partially / completely withdraw any amount of the deposit within the account balance.
Rates on deposits of individuals from 09/19/2022
Rates on deposits of individuals from 01.11.2023 (rus)
For reference
1. Product passport "Demand deposit"
2. Product passport "Term deposit "PROFITABLE" with balance limit"
3. Product passport "Term deposit "PROFITABLE"
4. Product passport "Term deposit "SOCIAL"
5. Product passport "Term deposit "STANDARD"
Taxation of deposits
On March 26, 2022, Law No. 67-FZ "On Amendments to Parts One and Two of the Tax Code of the Russian Federation and Article 2 of the Federal Law "On Amendments to Part Two of the Tax Code of the Russian Federation" entered into force, which amends the procedure for taxation of interest income on bank deposits and accounts of individuals.
This law abolishes taxation of income in the form of interest on deposits and account balances received by individuals in 2021 and 2022 in Russian banks. Also, the tax on interest income received starting from 2023 will be calculated in a new way.
To calculate the non-taxable limit, the product of one million rubles and the maximum value of the key rate of the Central Bank of the Russian Federation from those in effect as of the first day of each month during the year in which the income was received will be used. Thus, the non-taxable amount of income on the deposit / account balance will be known not at the beginning of the tax year, but at its end.
The procedure for taxation of income from deposits or account balances from 2023:
The following types of deposits/accounts are not taxed:
- deposits in rubles, the interest rate on which does not exceed 1 during the entire tax period%;
- escrow accounts.
The personal income tax rate on interest income on deposits (account balances) is 13% for both tax residents of the Russian Federation and for individuals who are not tax residents of the Russian Federation. If the amount of income in the form of interest on deposits/if the balance on accounts or other income exceeds 5 million rubles, then the tax rate will be 15% for the amount exceeded.
Example
In 2023, the total income of the depositor in the form of interest on all deposits and accounts in all Russian banks amounted to 130,000 rubles.
Let's assume that the maximum key rate of the Central Bank of the Russian Federation was 10% per annum.
The amount of non-taxable income is calculated according to the formula:
1000000 * 10% = 100,000 rubles.
Thus, the amount of interest income over 100,000 rubles, namely 30,000 rubles, will be subject to personal income tax.
The amount of tax will be: 30,000 * 13% = 3900 rubles for 2023.
The tax is paid on the basis of a tax notice issued by the Federal Tax Service.
The first tax notification will be received by depositors in 2024 for 2023.
Thus, the Bank pays interest on deposits in full without deducting tax.