How to discover the contribution

Bank deposits - advantageous passive income, it is only worth choosing a bank institution among their sets. An increasing number of people resorts to such a method of accumulation and multiplying money.

Before submitting documents to any bank institution:

decide on the deposit amount;
decide which type of contribution is most appropriate (urgent contribution, with percentage capitalization, with partial removal, with the possibility of replenishment);
explore the terms of the service in various banks to choose the best option;
take advantage of an online calculator for visibility or visit the bank branch;
consider the rules of early termination, paying attention to what amount and in what time frame will be obliged to return to the depositor.

A rather difficult question is the choice of the currency of the deposit. Often the interest rate of deposits in national currency is higher than the deposit rate in dollars or euros, but do not forget about greater inflation and the possible devaluation of the national currency due to possible financial crises. You can open a currency deposit, making currency or rubles at the current currency rate of the selected bank. Upon completion of the term of the contract, funds can be obtained both in currency and in rubles at the current rate.

Open the contribution to any bank of the Russian Federation has a capable citizen of the state who has a passport, including children from 14 years old, and a foreigner. Each case has its own characteristics. To open a contribution to a citizen of the Russian Federation, provide a passport, identification code if the contribution of the pension - then present a pension certificate.

With direct contact with the bank:

fill out the proposed questionnaire, attach a copy of the necessary documents to it;
fill your account with sample samples;
explore the contract proposed by the Bank, check for the correctness of the data made by the banking specialist, if necessary, consult with a lawyer, sign it;
make a payment order or sign an order for crediting cash;
top up the deposit account within the deadline specified in the Treaty;
get and maintain all bank documents and products on the deposit (deposit agreement, a bank account agreement for payments (interest accruals), payment receipts, bank card, savings book, receipt of a cash order, etc.).

On the sberbank of Russia website A convenient service is provided to select the type of deposit. In the "Select Contribution" menu, make the required marks, the system will automatically drop inappropriate deposit options. Among key issues: Deposit currency, the amount of the initial contribution, the deposit period and the regularity of charges, as well as the method of opening the contribution, additional features and the presence of a pension certificate.

The questionnaire for the deposit contains questions on personal data. The Bank undertakes not to use the data provided for any purposes, except for identifying and verifying them for accuracy. In some cases, the contract provides for the prolongation of the contract provided that the depositor did not file statements about termination of the contract.