Fixed Term Deposits

RCB Bank fixed-term deposits are a convenient and reliable way of saving. The Bank offers its clients several standard deposit solutions. 

Making fixed-term deposits with RCB Bank Ltd offers a number of advantages:

  • Deposits can be made for various terms and at attractive rates in Euros, US Dollars, Russian Roubles and Great Britain Pounds;
  • Flexible terms for depositing and withdrawing funds within the limits set by the Bank;
  • The opportunity to perform deposit transactions using RCB Online Banking.

RCB Bank Ltd participates in the Deposit Guarantee and Resolution of Credit and Other Institutions Scheme, established under the Law on the Deposit Guarantee and Resolution of Credit and Other Institutions Scheme of 2016 and the Deposit Guarantee and Resolution of Credit and Other Institutions Scheme Regulations of 2016.

The Deposit Guarantee and Resolution of Credit and Other Institutions Scheme covers deposits denominated in all currencies.

The maximum level of compensation, per depositor and per bank, is 100,000 EUR or equivalent. This limit applies to the aggregate of a depositor’s deposits with the same bank. For the purposes of calculating the compensation payable to each depositor, the amounts of each depositor’s existing deposits will be set off against any loans or other credit facilities granted by the Bank to the depositor, as well as any other counterclaim of the Bank in respect of which a right to set off exists.

Investor

The «Investor» fixed term deposit offers a client the highest interest rate out of all of the Bank’s deposit schemes for various durations in EUR, USD, GBP and RUB.

The term of the «Investor» deposit can be set between six months and three years. For shorter terms, interest rates are also available (upon request). The interest rate depends on the amount to be placed, the currency and the term. The interest is paid upon the maturity of the deposit into the depositor's current account. For the deposits with 18 month term and over, the interest can be paid optionally at each anniversary.

The minimum amount which can be deposited is 15.000 EUR/USD/GBP or 1.000.000 RUB. This scheme does not allow the partial withdrawal or the addition of funds within the duration of the deposit.

An «Investor» deposit can be placed either as a single or a joint account.

Euros
Deposit amount 6 months 12 months 18 months 24 months 36 months
15.000 – 50.000 1,25% 1,40% 1,45% 1,55% 1,75%
50.001 – 100.000 1,30% 1,50% 1,55% 1,60% 1,85%
US Dollars
Deposit amount 6 months 12 months 18 months 24 months 36 months
15.000 – 50.000 1,30% 1,50% 1,60% 1,70% 1,85%
50.001 – 100.000 1,40% 1,60% 1,70% 1,80% 1,90%
Great Britain Pounds
Deposit amount 6 months 12 months 18 months 24 months 36 months
15.000 – 50.000 1,10% 1,25% 1,40% 1,50% 1,60%
50.001 – 100.000 1,20% 1,35% 1,50% 1,60% 1,65%

The interest rates and the specified terms governing the above fixed term deposit scheme are applicable only for deposits in the amounts and currencies described in the individual scheme above. Interest rates for the amounts over 100.000 EUR/USD/GBP or 1.000.000 RUB are available upon request.

The Interest rate and terms governing a deposit applicable to a fixed term deposit for an amount, maturity or currency that is not offered by the aforementioned scheme are subject to the mutual agreement between the depositor and the Bank. 

All data published is valid as of 19.09.2016.

Top Up

A «Top Up» fixed term deposit enables a client to add funds to a deposit account within its duration, accumulate savings and to receive a stable income in the form of regular interest payments.

The deposit can be placed in EUR for a term between one and three years. Interest is paid into the depositor’s current account on a monthly or quarterly basis.

The minimum amount which can be deposited is 15.000 EUR, whereas the minimum top up amount is 5.000 EUR. This scheme does not allow the partial withdrawal of funds within the duration of the deposit.

A «Top Up» deposit can be placed either as a single or a joint account.

Initial deposit, Euros 12 months 18 months 24 months 36 months
15.000 – 50.000 1,35% 1,40% 1,50% 1,65%
50.001 – 100.000 1,45% 1,50% 1,55% 1,75%

The interest rates and the specified terms governing the above fixed term deposit scheme are applicable only for deposits in the amounts and currencies described in the individual scheme above. Interest rates for the amounts over 100.000 EUR are available at request.

The Interest rate and terms governing a deposit applicable to a fixed term deposit for an amount, maturity or currency that is not offered by the aforementioned scheme are subject to the mutual agreement between the depositor and the Bank. 

All data published is valid as of 19.09.2016.

Interest Up Front

An "Interest Up Front" fixed term deposit pays interest up front into the depositor's account linked to RCB Visa Card once funds have been placed, allowing the client to spend the interest instantly.

This deposit scheme is available in EUR for a one year term. The scheme does not allow the partial withdrawal or the addition of funds within the duration of the deposit.

The minimum amount which can be deposited is 50.000 EUR. An «Interest Up Front» deposit can be placed either as a single or a joint account.

The deposit scheme is available for RCB Visa cardholders.

 Deposit amount, Euros 12 months
50.000 – 100.000 1,45%

The interest rates and the specified terms governing the above fixed term deposit scheme are applicable only for deposits in the amounts and currencies described in the individual scheme above. Interest rates for the amounts over 100.000 EUR are available at request.

The Interest rate and terms governing a deposit applicable to a fixed term deposit for an amount, maturity or currency that is not offered by the aforementioned scheme are subject to the mutual agreement between the depositor and the Bank. 

All data published is valid as of 19.09.2016.

Gradual Rate

A «Gradual Rate» fixed term deposit is available for one year term and allows early termination of the deposit before its maturity. In the case where the deposit is terminated in three, six or nine months from the deposit start date, a client will earn 15%, 45% or 70% respectively of the current annual interest rate of this deposit.

The minimum amount which can be deposited is 15.000 EUR/USD/GBP. Interest is paid upon the maturity of the deposit into the client’s current account.

This scheme does not allow the partial withdrawal or the addition of funds within the duration of the deposit.

A «Gradual Rate» deposit can be placed either as a single or a joint account.

Deposit amount, Euros 12 months
15.000 – 50.000 1,35%
50.001 – 100.000 1,45%
Deposit amount, US Dollars 12 months
15.000 – 50.000 1,40%
50.001 – 100.000 1,50%
Deposit amount, Great Britain Pounds 12 months
15.000 – 50.000 1,15%
50.001 – 100.000 1,25%

The interest rates and the specified terms governing the above fixed term deposit scheme are applicable only for deposits in the amounts and currencies described in the individual scheme above. Interest rates for the amounts over 100.000 EUR are available at request.

The Interest rate and terms governing a deposit applicable to a fixed term deposit for an amount, maturity or currency that is not offered by the aforementioned scheme are subject to the mutual agreement between the depositor and the Bank. 

All data published is valid as of 19.09.2016.

Flexibility

A «Flexibility» fixed term deposit enables a client to withdraw or add funds within a minimum and maximum balance range. Under this scheme, a client agrees upon a minimum balance of the deposit with the Bank. The maximum balance will always be the minimum balance multiplied by 2,5. The maximum balance can never be above 5.000.000 EUR/USD/GBP or 500 mn RUB and the agreed minimum balance can never be for an amount lower than 15.000 EUR/USD/GBP or 1.000.000 RUB.

Interest is paid on a monthly or quarterly basis and is transferred to the depositor’s current account. The term of a «Flexibility» deposit can be set to one, two or three years.

The minimum amount which can be deposited is 15.000 EUR/USD/GBP or 1.000.000 RUB. A "Flexibility" deposit can be placed either as a single or a joint account. For individuals, it is available only within RCB Gold package. 

Initial deposit, Euros 12 months 24 months 36 months
15.000 - 100.000 1,20% 1,30% 1,55%
Initial deposit, US Dollars 12 months 24 months 36 months
15.000 - 100.000 1,30% 1,50% 1,60%
Initial deposit, Great Britain Pounds 12 months 24 months 36 months
15.000 - 100.000 1,05% 1,30% 1,35%

The interest rates and the specified terms governing the above fixed term deposit scheme are applicable only for deposits in the amounts and currencies described in the individual scheme above. Interest rates for the amounts over 100.000 EUR/USD/GBP or 1.000.000 RUB are available at request.

The Interest rate and terms governing a deposit applicable to a fixed term deposit for an amount, maturity or currency that is not offered by the aforementioned scheme are subject to the mutual agreement between the depositor and the Bank. 

All data published is valid as of 19.09.2016.

Rentier

A depositor who places funds into a «Rentier» fixed term deposit receives a stable source of income in the form of regular interest payments throughout the term of the deposit.

Interest is paid into the depositor’s current account on a monthly or quarterly basis. The term of the «Rentier» deposit can be set to one, two or three years. The minimum amount which can be deposited is 50.000 EUR/USD/GBP or 5.000.000 RUB.

This scheme does not allow the partial withdrawal or the addition of funds within the duration of the deposit.

A «Rentier» deposit can be placed either as a single or a joint account.

Deposit amount, Euros 12 months 24 months 36 months
50.000 – 100.000 1,45% 1,55% 1,75%
Deposit amount, US Dollars 12 months 24 months 36 months
50.000 - 100.000 1,55% 1,70% 1,80%
Deposit amount, Great Britain Pounds 12 months 24 months 36 months
50.000 – 100.000 1,30% 1,55% 1,60%

The interest rates and the specified terms governing the above fixed term deposit scheme are applicable only for deposits in the amounts and currencies described in the individual scheme above. Interest rates for the amounts over 100.000 EUR/USD/GBP or 5.000.000 RUB are available at request.

The Interest rate and terms governing a deposit applicable to a fixed term deposit for an amount, maturity or currency that is not offered by the aforementioned scheme are subject to the mutual agreement between the depositor and the Bank. 

All data published is valid as of 19.09.2016.