Classical deposit

Scheme of placing and returning deposits in Russian rubles:

• Cash or non-cash funds denominated in Russian rubles will be returned in the manner of their initial placement (in cash and non-cash manner respectively), no fees will be charged for it;
• In case a non-cash deposit in rubles is returned in cash, the bank will charge a fee for cashing out rubles according to the rate set as of the deposit withdrawal date;
• In case a cash deposit in rubles is returned in non-cash manner, the bank will charge a cash entry fee set as of the deposit withdrawal date.

Attention:

• Contractual relations between the bank and customers are regulated by TERMS AND CONDITIONS OF COMPLEX BANKING SERVICES, which are a public offering and considered as accepted once a duly filled out and signed bank service application is submitted by the customer personally or online. Terms and Conditions of Complex Banking Services can be found here.
• Under the RA law On Withholding Tax, the interest paid by the bank to an individual depositor (resident and non-resident) will be subject to taxation at 10% of the gained income.
• No other fees will be charged when signing a deposit agreement and during its validity. In case of withdrawing a cash deposit placed in non-cash manner, you will be charged with a cash withdrawal fee according to our Tariffs of Cash Operations.
• Information on annual interest yield can be found in section Important information of Deposits.