Today, in some banks you can open online deposits, which are practically no different from regular deposits through branches. But this service is not available in all banks due to a number of legislative restrictions.
For example, physical A deposit can be opened for a person only in his presence or his representative. In addition, the agreement can only be concluded in writing.
Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:
APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.
It's fast and FOR FREE!
But most credit institutions successfully circumvent such restrictions.
Where to begin
Opening an online deposit in any bank requires the following conditions to be met:
- availability of a regular or card account in this bank;
- filling out an application for connection to Internet banking;
- receiving a login and password for authorization in your personal account;
- authorization;
- go to the deposit management section.
Important! Most banks automatically connect new clients to Internet banking. They just need to show up with their passport to a bank branch and fill out the necessary documentation.
Initially, it may take several days to open an account, but the client can carry out all subsequent operations via the Internet very quickly. There is no “paperwork” when opening online deposits; it is carried out on the basis of a comprehensive service agreement or another agreement concluded when the account was first opened.
The procedure for opening an online deposit in the Internet banking systems of different credit institutions is not much different.
Opening an online deposit always begins with depositing money into a pre-opened or existing current account in a way convenient for the client, after which these funds can be used for various purposes, including opening a remote deposit
What to pay attention to
Before opening any deposit in a bank, you need to find out what the essence of deposits is and what they are.
And in order to make the right choice of an online bank deposit, it is important to determine for yourself its most significant parameters:
| Purpose | What amount do you want to have in the end and at what point. |
| Quantity | A deposit can be opened for any amount, but it is better to invest a large amount separately in several banks, since in the event of bankruptcy, the insurance will reimburse the maximum 1,4 000 000 from every deposit. |
| Deadlines | It is important to remember: the longer the term, the higher the rate, but in case of early withdrawal, most of the interest is lost. |
| Interest rate | High interest rates should always be a concern: remember the saying about free cheese in a mousetrap. |
| Currency | According to experts, due to high inflation and economic instability, foreign currency investments are more reliable today. |
| Possibility of early withdrawal/replenishment | These advantages will reduce the interest rate; it is better to choose a short term for the deposit. |
Possible catch
Before opening an online deposit, you need to carefully study the contract and pay special attention to fundamentally important aspects:
- income;
- deadlines;
- additional conditions.
The calculation of income depends on the terms of the investment: different banks accrue differently (some 360 days take as a basis, others - the actual number of days). In a well-drafted contract, the number of days in a year must be indicated.
It is important to pay attention to how interest is added to the principal amount. Agreements sometimes specify a schedule for accrual and payment of interest, even by date. This is relevant for clients who want to receive rental income regularly.
When choosing a deposit with interest capitalization (income is accrued on an additional amount of previously earned), it is important to study additional conditions, for example, “% taking into account options.” “The most interesting” may be hidden under this formulation.
There are deposits on which different interest is accrued at different periods over the entire term of the agreement. But only the highest bid is announced.
By carefully reading the contract, you can find a clause prescribing the procedure for calculating %: first 90 days - 7% , during 230 days — 10% , A 12% just for the last month.
Important! It is necessary to constantly monitor the minimum balance amount. Its insignificant decrease may lead to early automatic termination of the contract.
The tariff schedule of some banks for withdrawing cash, replenishing investments through ATMs or wire transfers provides for commission interest. Such items should be looked for in “other conditions...”. It would be a good idea to consult how they apply to depositors’ money.
Owners of foreign currency accounts need to study the clause in the contract where the conversion rate for investments is specified (it may differ from the exchange rate).
Opening on the Internet may also hide pleasant surprises in the form of an additional percentage to the annual rate and a gift bank card. With the card, everything can be difficult: issuance is free, and the service fee will be an unpleasant surprise.
Service details at Sberbank
The most popular products among online depositors of Sberbank today are considered to be deposits “”, “Manage”, and “Replenish”.
Replenish
The product is based on a traditional deposit. To open and replenish it, you do not need to come to the branch; the procedure is performed via the Internet.
This deposit is considered an excellent choice for clients who want to accumulate by constantly replenishing their deposit. When opening online, the rate is higher than when opening in a branch.
Minimum deposit terms – 3 months, maximum – 3 years. Replenished at any time. Minimum investment amount - 100 $/€ or 1000 rubles.
The size of the deposit increases as a result of adding %. They can be withdrawn and transferred to a card account. Interest is calculated monthly. In case of early closure - rate 0,01% .
Charges table:
| Currency | Min. remainder | 3 - 6 months. (%) | ½ – 1 year (%) | 1 – 2 (%) | 2 - 3 years (%) | 3 years (%) |
| € |
|
|||||
| Ruble |
|
|||||
| $ |
|
|
There are also hidden obstacles and pitfalls in online Top-up deposits:
- withdraw money from your account for the first time 3 months you can’t - you lose interest;
- it is impossible to partially withdraw funds;
- If the contract is terminated early, interest is accrued without monthly capitalization.
The largest investment amount is also limited; it is equal to the initial contribution multiplied by 10 times. 0,5% bets are calculated if the deposit exceeds this amount by the difference between the real and the maximum allowable amount. This restriction does not apply to pensioners.
Save
This deposit is today considered one of Sberbank’s highly profitable products. It can be issued in any currency. The investment period is set on an individual basis, but within from 1 to 36 months.
This contribution is distinguished by the presence and absence of transactions on expenses and contributions. This program depends on the period of placement of money and its amount. Loyal conditions are provided for pensioners.
Attention! Credited % can be withdrawn online. In this case, the check amount does not change, and only the remaining interest is capitalized.
Advantageous aspects:
- quick opening ( up to 5 minutes);
- minimal costs;
- economic benefit - annual % on online deposit, 1% higher than traditional;
- simple management (via Internet banking);
- the possibility of terminating the contract at any time.
Manage
The goal is to have the opportunity, in addition to storing and increasing capital on a deposit, to actively use it in a form convenient for the client. You can invest in any currency. The smallest deposit amount is 30,000 rubles, or conversion at the exchange rate.
“Manage” provides investors with more opportunities to use their invested money. Allows partial deposits and withdrawals of money from accounts.
You can withdraw up to a certain amount (minimum balance), calculated from the investment amount. But there are no preferential conditions for users of retirement age.
Important! The program provides for an increase in the rate when the deposit amount reaches the size to which the increased rate corresponds. For this purpose, an agreement is concluded to increase the minimum balance.
Features of % accrual:
| Sum | Currency | 3 - 6 months. | 0.5 - 1 year | 1 – 2 years | 2 - 3 years |
|
$ | ||||
|
€ | ||||
|
Ruble |
Banks provide the opportunity to open a remote deposit using a power of attorney and use an electronic digital signature
Where is it more profitable to open
In RBC research (30 banks with the maximum number of Internet users were studied), the most profitable deposit on 1 year the size of 100,000 rub., available online to users, and compared its profitability in branches, the main criterion was the maximum rate, without capitalization%.
Based on research results, the best offers today are provided by banks: Home loan
Advantages and pitfalls of online deposits
Just a few years ago, in order to open a deposit in a bank, it was necessary to visit its branch, wait in line and go through bureaucratic procedures. Now, in order to open a deposit account, save your funds and increase them, you don’t need to perform so many complicated steps. When opening a deposit, unnecessary steps can be significantly reduced by the World Wide Web - the Internet.
Since financial institutions try to take maximum care of their clients and want to keep them calm, they are gradually transferring all their activities to the Internet. Therefore, now you can even open one without visiting bank branches.
Pros and cons of online deposits. The use of the Internet to obtain various banking services fully corresponds to the pace of modern life and consumer requirements. The constant development of technology leads to increased mobility of people who do not want to waste their time standing in queues. Since almost everyone has a computer, laptop or tablet with Internet access, which is always at hand, the bank can now be brought into your own home and taken with you on the road.
Perhaps the biggest advantage of online deposits is the ability to make the necessary deposit at any time of the day, at home, on a trip or at work. But this is not the only advantage. Deposits that are opened via the Internet have another, quite significant and important advantage hidden in the interest rate. It can be approximately one percent higher compared to a deposit opened directly at the bank’s office.
As for the minuses, there is only one here. This is the risk when transferring money from account to account. And the transfer of funds itself can be the only serious problem. The fact is that to open a deposit online, the depositor must already have a current account with the bank in which he is going to open a deposit. Money from this existing account will be sent to the investor’s new deposit. To avoid losing your funds during a transfer, it is enough to follow all the instructions provided by the bank in full compliance.
When registering in Internet banking, you must come up with a password that no one except the depositor should know. If any suspicious messages appear in your personal account, for example, pop-up windows asking you to enter additional information about the investor, you should absolutely not enter them. It is also very important to monitor the presence of viruses on your computer. The simplest precautions can protect you from scammers.
Online deposit process. Almost every financial institution provides access to an online bank to its clients so that they can conduct monetary transactions through the World Wide Web. If the depositor is already a client of the bank, all he has to do is go through a simple registration procedure on the bank’s website. After this, he will be able to easily enjoy all the benefits of Internet banking. Moreover, a deposit can be opened in just a few minutes. Everything is quite simple here. If you already have funds in your express or current account, then you just need to click on the “open deposit” button in the required section, select the deposit that suits the conditions, term, currency, and indicate the amount. Next, you should confirm the operation being performed with an SMS password, and the deposit is opened. Additionally, there is no need to visit a bank branch.
Popular banks that allow opening deposits online. You can open a deposit online at commercial bank Vozrozhdenie. Holders of Vozrozhdenie bank cards who use the “Vbank with you” service can make a deposit via the Internet. Deposits are opened without the need to sign a paper agreement, since the deposit will be opened on the basis of an agreement concluded under. When the deposit period expires, the funds along with accrued interest will be transferred to the card.
Home Credit Bank provides its clients with the opportunity to open deposits remotely. This service is available to owners of debit cards of a banking institution. The client in the Internet bank can indicate the deposit amount and debit card number, the money from which will be credited to a deposit account that opens instantly. The online service is extended to all current deposit offers of the bank.
This service allows depositors to replenish a deposit account, partially withdraw funds by transferring them directly to a debit card or simply transfer them to a card account, as well as close the deposit.
NOMOS-Bank also joined the listed financial institutions. In order to open a deposit via the Internet, you must be a bank card holder and have access to the Internet bank. Next, you should log in, go to the “Deposits” section and click on the “Open Deposit” button. In the form that opens, you need to select the type and currency of the deposit, fill in the remaining parameters and sign the order to open the deposit. Depending on the time the application is sent, the deposit will be opened on the same day or the next business day. In this case, no additional documents are required to be submitted to the bank.
As you can see, the conditions and procedures for opening online deposits in all banks are almost identical. Opening an online deposit in each bank is quick, by using Internet banking and choosing deposit conditions acceptable to the depositor. No trips to the bank or lines required. Closing a deposit follows a similar pattern everywhere. Money and interest accrued on the depositor's funds will be transferred back to the account from which the deposit was replenished.
We gave an example of only three banks that provide consumers with the service of opening deposits online, but there are many more. Information about this service should be clarified with the employees of the financial institution whose client you are.
A relatively new banking product, online deposits, is gaining popularity among customers. The website of most banks provides step-by-step instructions on how to open a deposit via the Internet.Depositor requirements
- availability of a universal service agreement ();
- current account;
- cash (minimum contribution from 1,000 to 10,000 rubles depending on the bank);
- Internet access.
The deposited amount can be in rubles, dollars or euros. Opening an online deposit is not always more profitable than a regular deposit. Please study the terms and conditions for placing funds in advance. As a rule, you will be offered several options.
1. By operating mode:
- or not replenished;
- without partial removal or .
2. By method of depositing money
- in cash at a bank branch;
- non-cash transfer from an account in another credit institution;
- transfer from a plastic card;
- by transfer from another account at the servicing bank.
Registration procedure
- Sign a service agreement at the office (if you are not a bank client).
- Get an instant one from a bank employee (if you don’t already have a plastic card).
- Get a login and password to access the program. This can be done by printing a receipt at an ATM or via a mobile phone (for example, the “ ” service).
- On the bank’s website, select the “Online Deposits” menu.
- Follow the prompts and register in the Internet banking program.
- Read the information on deposits (interest rate, term, etc.).
- Fill out the application at .
- Check the information entered (card number for debiting and crediting funds, amount).
- Confirm your consent to the operation.
- The application status will change to “completed”.
- You became .
Possible risks
At the legislative level, the issue of online deposits is not completely resolved. The Internet banking program is not equipped with an electronic digital signature. Therefore, in order to open a deposit in a bank, the client’s personal presence at the branch is required. By neglecting this condition and facilitating the interaction process, you are putting yourself at risk. Without having documents in hand (signed and sealed), in the event of a technical failure or bankruptcy, you will encounter a problem. A certificate of certification of the bank as a participant in the deposit insurance system guarantees the reimbursement of your funds, the placement of which is formalized in accordance with the law.
The Markswebb Rank & Report agency announced the publication of a new annual rating of banks, in which remote work with deposits - using Internet banks, mobile applications and ATMs - is more convenient.
The Private Deposit CX Rank 2016 included 25 banks, including the leaders of the 2015 rating, as well as the largest banks in terms of the number of online depositors. According to Alexey Skobelev, CEO of Markswebb Rank & Report, several banks took part in the study at their own request: Rosbank, Zenit, Tinkoff Bank, Uralsib, SMP Bank.
The study was carried out in stages. Agency employees studied the interfaces of 25 banks, then they attempted to remotely open deposits worth 0.5 million rubles. When assessing banks, 200 criteria were used, assigning weight to each, depending on the degree of importance, according to users.
Tinkoff Bank took first place in the Private Deposit CX Rank 2016. It is worth saying that he had not previously taken part in this rating at all. The bank scored 75.4 points (out of 100 possible). leaving behind Sberbank, which was given second position. According to Skobelev, Tinkoff Bank has the best website and mobile application, which is not the case with its competitors. This can be explained by the specifics of the bank: the remoteness of all deposits in it and the lack of offices.
In addition, anyone can open a deposit remotely in this bank, not just existing clients. The remaining 24 participants in the rating do not have this opportunity. The second advantage of the leader is that it does not have a long and confusing line of deposits: in fact, Tinkoff Bank offers one deposit, with conditions clearly stated in Internet and mobile banks.
Sberbank, which took second position, showed good results; within a year it rose from 10th place to 2nd. However, according to Skobelev, this can mainly be explained by the fact that the rating methodology has changed. This year, only deposits were taken into account, and in the past, analysts also assessed the possibility of opening a deposit remotely along with managing savings accounts. As a result, a year ago, Alfa Bank entered the top 10 leaders, where you can open a savings account remotely, but you cannot open a deposit; this option is not available. The change in methodology led to the bank's shift to 16th position.
In third place was Promsvyazbank, which recently topped the rating of Internet banks, according to Markswebb Rank & Report. Tellingly, just a year ago it did not rise above 6th place in the remote service rating. But, according to Skobelev, Promsvyazbank relaunched mobile and Internet banking, after which the Internet bank was supplemented with unusual functions: the ability to change deposit settings (where to send interest, enable or disable their capitalization), as well as order a certificate of the presence of a deposit or movement funds on it.
The last places in the ranking are occupied by 4 banks that do not allow remote opening of deposits at all - Gazprombank, which dropped three positions in the ranking over the year, and newcomers represented by the banks Ugra, SKB and Sovetsky. At the same time, in some of them it is possible to track deposits opened in bank offices. For example, SKB Bank’s Internet banking allows you to replenish deposits from cards or accounts in other banks.
None of last year’s leaders in the convenience of remote opening of deposits were able to maintain their previous positions. The 2015 leader - Moscow Credit Bank - today occupies 5th place in the rating, VTB24 is in tenth place, and Bank Vozrozhdenie, which was in 3rd place a year ago, dropped to 15th place in 2016. According to Skobelkin, these changes are due to the fact that new strong participants have appeared on the market - the same Tinkoff Bank." Not the least role in the distribution of places is assigned to the updating of methods. Previously, the greatest weight when calculating points was given to the ability to work with deposits through ATMs, but today the maximum weight belongs to Internet banks. MKB and VTB24 are excellent at servicing deposits through ATMs, but their online services are not yet sufficiently developed.
According to Skobelev, the main change is that mobile banks are gradually transforming from a copy of Internet banks into full-fledged service channels. The same is observed in the remote servicing of bank cards, and now it has also affected deposits. In addition, an increasing number of banks offer remote opening of deposits. Compared to last year, there was a 2-fold increase in the number of Internet and mobile banks through which online opening of deposits is available.
According to the director of the information technology department of SDM Bank Oleg Ilyukhin. Of course, banks are interested in moving online - this leads to a reduction in transaction costs. At the same time, according to Yuri Gribanov, CEO of Frank Research Group, remote lending and attracting deposits are being developed in parallel; banks are not biased in one direction or another. But technically, opening a deposit remotely is simpler than applying for a loan remotely: the bank had few requirements for the processing of personal information. In terms of the level of complexity for a bank, opening a deposit remotely can be compared to a regular money transfer from one card to another.
According to Skobelev, banks need to resolve many issues regarding the convenience of remote work with deposits. Let's say there is such a drawback: often a deposit is opened remotely, but its management is only available through the office. Banks are still ignoring many important issues that depositors face: replenishing the deposit, the possibility of closing it, and interest issues. The development of remote deposits requires an evolutionary approach, since anything revolutionary in this segment of services requires a lot of money, and there simply isn’t any.
The Markswebb Rank & Report agency conducted a survey among 3 thousand people to find out what banking products they are in demand. Then the agency in-depth interviewed 20 active investors aged 25 to 50 years. Based on the results, it was possible to find out on the basis of what criteria depositors choose this or that bank, and what difficulties accompanied them when opening deposits. At the last stage, agency employees tested the interfaces of 25 banks for remote opening of deposits. The maximum number of points that the bank could score was 100.
Online deposits are more convenient and often more profitable than regular deposits. Hardly anyone can argue with this. But how reliable are they?
There are many questions that future online investors ask. How is the deposit made? What documents can confirm that the account is registered specifically in your name, that there is not 0 rubles in your account, but a certain amount? Will the money be returned if the bank suddenly closes?
These questions arise for everyone who is going to open a deposit through an online bank.
How to make an online deposit
You will NOT be able to make an online deposit at a bank exclusively via the Internet. Of course, if you have not previously taken out a loan, issued a plastic card or opened any deposit in the bank of your choice. In fact, you won't even be able to access online banking. Personal presence with a passport is mandatory for any client.
This does not mean that in order to open an online deposit, you will have to go to the bank in person. Everything is simpler when applying for a plastic card, deposit, loan, you can sign an agreement for a package service, the number of services of which includes the possibility of opening a deposit through the Internet bank. There is another option: when registering a regular deposit or card, the contract stipulates the possibility of opening an online deposit. This very agreement confirms that you have a virtual deposit.
This is the agreement you will need to take with you if any difficulties arise in receiving money.
What to do if the bank goes bankrupt?
Online deposits, like regular deposits, are required to be insured. The bank is required to send information about your deposit to the Deposit Insurance Agency. This means that the procedure for returning money under it is no different from the procedure for returning funds under the standard program.
What to do if there is a large-scale failure in the bank's system?
The IT infrastructure of any bank is a complex system, reliably protected from hacks, failures, and errors. As a rule, absolutely all information about client accounts is not just saved, but copied to a backup source - a separate server. Even if a large-scale failure occurs, which is unlikely, information about your Internet contribution will be restored using backup copies.
A modern information system is much more reliable and secure than the old-fashioned methods of working exclusively with paper archives. And information about your deposit can disappear forever only if there is a complete power outage and the destruction of the entire energy system of the world. And this is already fantastic.
However, if you are still not sure about the bank and its IT structure, you can take and save screenshots from the pages where information about your account is posted. But this is rather for your own peace of mind. And, perhaps, for organizations that work dishonestly. In this article, we suggest that you familiarize yourself with the rating of the most reliable banking organizations.
How reliably is the Internet banking system protected from hacking?
But this is a much more complex question. Hackers, alas, have not disappeared anywhere and, in addition to electronic payment systems, continue to hack banking systems. Moreover, Internet banking systems attract much more attention from fraudsters than conventional banking databases. If only because in this case the attacker only needs to hack the user’s computer.
How do banks themselves protect themselves?
There are many options.
For example, one-time passwords are often used; every time you log in and perform any operation, your phone receives a code that you need to enter.
Perhaps this is the simplest and most effective method, although not so convenient.
There may be other restrictions. For example, a ban on transferring funds to an account opened in another bank.
Online deposits are quite reliable!
Of course, if you, in turn, follow some recommendations
1. Find and save the agreement with the bank that you signed earlier, and where the possibility of package services or specifically opening an online deposit is indicated.
2. Connect your mobile bank and try not to lose the SIM card, whose number was indicated in the agreement with the bank (and if lost, immediately contact the nearest bank branch).
3. Protect your computer with an antivirus program.
4. Contact the bank and the police immediately after your account has been hacked (this is unlikely, but still...).
Want to know where is the safest place to store your money? Then read:
