VIP service

‘PLATINUM’ package of services

‘PLATINUM’ package of services is specially designed for private customers requiring enhanced financial convenience and who are ready to deposit with the Bank over 300000 US dollars or euros, or the rouble equivalent of this amount.

The package includes:

• Reliable deposits with flexible terms and conditions and high interest rates;

  PLATINUM deposit is an account with a high interest rate.

  Terms of deposit:

  • Interest accrued on the deposit is paid out every month on the 1st day of each calendar month. Payment is transferred to the customer’s card account at the Bank and can subsequently be withdrawn.
  • The deposit is replenishable. There are no limits on replenishment.
  • The deposit may be replenished during the first 2/3 of the deposit term but not later than 1/3 before it expires.
  • Automatic conclusion of the deposit contract for a new term (contract prolongation) is not offered.
  • In the event of early withdrawal of the whole deposit:
    • in roubles: if the term of the deposit before withdrawal is less than or equal to one hundred and eighty (180) days, interest is accrued and paid for the actual term of the deposit at the rate applicable to demand deposits effective on the date of early withdrawal of the deposit. If the term of the deposit before withdrawal is equal to or exceeds one hundred and eighty-one (181) days, then interest for the period of 181 days is accrued at the rate of 14% per annum while for the rest of the term interest is accrued at the rate applicable to demand deposits effective on the date of early withdrawal;
    • in foreign currencies (U.S. dollars, euros): interest is accrued and paid for the actual term of the deposit at the rate applicable to demand deposits in a corresponding currency effective on the date of early withdrawal of the deposit.

   

  ‘MULTICURRENCY’ deposit enables the customer to have five term accounts in different currencies with the option of converting the funds from one currency to another without any loss of interest accrued.

  Terms of deposit:

  • Interest is paid out every month on the 1-st day of each month according to the preference of the customer, either:
    • by transfer to the customer’s card account at the Bank with the option of its subsequent withdrawal, or
    • by capitalisation on the deposit account (i.e. the interest accrued is added to the amount of the deposit).
  • The deposit is replenishable. The minimum replenishment must be at least 300,000 roubles, or 10,000 U.S. dollars, or 10,000 euros, or 10,000 Swiss francs, or 10,000 British pounds.
  • The deposit may be replenished during the first 2/3 of the deposit term but not later than 1/3 before it expires.
  • Partial withdrawal of the deposit is allowed subject to a minimum balance.
  • In the event of early withdrawal of the entire deposit including the minimum balance: If the term of the deposit before withdrawal is less than or equal to one hundred and eighty (180) days, interest is accrued and paid for the actual term of the deposit at the rate applicable to demand deposits effective on the date of early withdrawal of the deposit. If the term of the deposit before withdrawal is equal to or exceeds one hundred and eighty-one (181) days, then interest for the period of 181 days is accrued at the rate of the deposit while for the rest of the term interest is accrued at the rate applicable to demand deposits in corresponding currencies; in this event the contract of the multicurrency deposit is terminated and the balance on all accounts opened under this contract (in roubles, U.S. dollars, euros, Swiss francs, or British pounds) is paid to the customer.
  • Parts of the deposit may be transferred between the accounts in different currencies: if part of the deposit is transferred from an account in one currency to an account in another currency, the funds are converted at the Bank's rate applicable on the date of transfer; in this event interest on the part of the deposit transferred to another account accrues at the rate of the deposit for the period when the funds were in a corresponding account. The balance on the account in a corresponding currency cannot be less than the established minimum balance.
  • Automatic conclusion of the deposit contract for a new term (contract prolongation) is not offered.
• Prestigious VISA Platinum card for well-to-do and important customers, which emphasises the credit-worthiness of its holder.

  When you acquire PLATINUM service, the Bank offers you as a gift one main card VISA Platinum and one additional card VISA Gold.

  With the VISA Platinum card you gain access to an exclusive service and a wide range of additional options including:

  • An overdraft of USD/euro 30,000 or 1,000,000 roubles at individual rates
  • SMS-alert services – free

    The SMS-alert service enables the customer not only to monitor card expenditure but also to control transactions through his/her account in real time which leads to a substantial mitigation of the risk of fraud.

  • Internet-banking service – free.
  • Lifestyle manager services (monthly review of cultural events).

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