Unicredit bank click deposit conditions. Click account in unicredit bank. Terms of registration of deposits in UniCredit Bank

With the online deposit "Click Deposit" you get a higher interest rate and save time: the deposit is placed in just one click - through the Internet bank Enter.UniCredit or the Mobile.UniCredit mobile application.

Interest payment - monthly, by adding to the deposit amount (monthly capitalization) or to another account with the Bank of your choice
Replenishment - through branches of the Bank and Internet bank Enter.UniCredit
For those, who receives a salary to UniCredit Bank card, rate in Russian rubles increases by 0.5 percentage points - open the "Salary" deposit!
When opening a deposit through a mobile application, the rate in Russian rubles is the same increases by 0.5 percentage points!

Interest rates

* Interest rate including interest capitalization.

Monthly capitalization of interest significantly increases the amount on which the interest is charged, and as a result, your real income when placing funds in a deposit for a period of more than one month.

The minimum top-up amount is 3,000 rubles. Replenishment is possible no later than 15 days before the end of the deposit term.

Rates are indicated in%, per annum.

From June 03, 2014, funds placed in time deposits of UniCredit Bank, together with accrued interest at the end of the deposit term, are automatically transferred to the client's current account, from which these funds were deposited. Commission for making operations to withdraw cash from the current account within the amount of the term deposit credited to this account with accrued interest not charged within a month from the end date of this term deposit.

In case of early closure of the deposit

The client can at any time make an early demand for the deposit.

In case of early closure:

Interest is paid for the time the funds are actually in the deposit at the rate of 0.01% per annum in the respective currency.
The amount of the early requested deposit and the accrued interest are transferred to the current account, the withdrawal of money from which, according to the Bank's tariffs, is subject to a commission from 1% to 5%, however, the funds can be transferred to the card account. Withdrawing money from the card account is not subject to commission, there are also daily and monthly withdrawal limits, which can be found in the corresponding section.
According to the Bank's tariffs, the commission for making cash withdrawal operations from the current account of a client-individual within the amount credited to this account of the early requested deposit with accrued interest is not charged:
- on the day of early withdrawal of the deposit and on the next business day, provided that cash is deposited into this account on the day of opening the deposit and the business day preceding it in the amount of the deposited deposit;
- on the day and on the next business day of early reclamation of the deposit placed on the basis of the client's instructions on the automatic placement of the deposit for a new term.

How to issue

First of all, contact any branch of UniCredit Bank to open a current account and conclude an agreement on comprehensive banking services. After that, you can open the "Click Deposit" deposit remotely:

Via Internet bank Enter.UniCredit

Log in to the Internet bank using your username and password and select "Open" Click Deposit "
Fill in the required fields and confirm the operation by entering the session key
deadlines for accepting orders

Via the Mobile.UniCredit mobile application

Log in to the system using the login and password from Enter.UniCredit, and select the "Accumulate" menu item
Select the type and currency of the deposit, specify the term and amount
Confirm the operation
Check the fact of opening a deposit and crediting funds according to the deadlines for accepting orders

You can download the application from the App Store or Google Play using the keywords "UniCredit Bank" or "Mobile.UniCredit". To make a deposit through Mobile.UniCredit, you need to connect to Enter.UniCredit at any branch of UniCredit Bank.

Note: persons over 18 years of age can place deposits.

UniCredit Bank, like other institutions, offers several programs for savings. In particular, there is a deposit or deposit Click UniCredit, a savings account and a current one with similar names, which differ in the main conditions and interest rates.

Current account with UniCredit Bank

Click UniCredit's current account is opened with the bank for settlements and any transactions. Serves as a regular bank current account, allowing you to perform the following operations:

Top up by wire transfer or cash;
Transfer money to accounts and cards in other banks;
Pay for the services of companies from the current account;
Withdraw cash;
Transfer to deposit, pay off the loan;
And etc.

You can open it at a UniCredit branch or remotely - via a mobile application and Internet bank. No commission is charged for registration and maintenance. When contacting a UniCredit branch, you must have a passport. The use of remote services is available to existing UniCredit customers who have registered with them.

Terms of income account Click

Savings account Click in Unicredit bank combines the possibilities of a regular bank account and a deposit or a deposit.

Benefits and Features

As you know, a deposit is opened for a certain period and has some restrictions on the use of money: replenishment, withdrawal. Whereas the savings account does not provide for any restrictions. It is allowed to carry out debit and credit transactions at any time at the discretion of the client.

In addition, income is accrued on the funds available on the balance sheet. It is calculated daily, provided that more than 10 thousand rubles are found. The advantage of this profit calculation is that there is no need to maintain the balance for a whole month, as in many other banks. If the client withdraws money, on days when the balance is small, income will not be accrued. Upon receipt of a sufficient amount, from the next day, interest is calculated again.

The UniCredit Click rate is 5%, which is applied to any balance sheet value within the range of 10 thousand - 8 million rubles. The calculation and addition takes place in the morning for the past day.

You can track charges through the online services of UniCredit Bank. You can also open an accumulation account Click UniCredit in foreign currency (dollars, euros), but no profit is accrued on it.

Contribution parameters

Deposit Click UniCredit is so named due to the possibility of opening a deposit in one click in the Internet and mobile banking on your own, without going to the bank. But in the branch it is also available to apply for the opening of the Click UniCredit deposit.

Terms of the Click deposit are expressed as follows:

Minimum investment amount: 15 thousand rubles.
Maximum limit: 15 million rubles.
The duration of the deposit: 31-150 days.
Deposit supplement: allowed in the amount of 3000 rubles or more by depositing cash at the UniCredit cash desk or by transferring via the Internet bank. Top-ups are available up to 15 days before the end of the Click program.
Partial withdrawals: prohibited.
Interest accrual: monthly;
Receiving interest: to the current account in UniCredit or to the balance of the deposit (capitalization).

It is worth choosing a method of obtaining based on your needs. If you need a certain amount every month for personal use, you should choose the first option. But it is worth remembering that capitalization is more profitable for accumulation. Indeed, at the same time, the size of the deposit increases every month, and therefore the rate is applied every month to a larger value.

According to the terms of the Click UniCredit deposit, the profitability depends on the duration of interaction with the bank:

31-90 days: 5.5% (5.53% - with capitalization);
91-150 days: 6% (6.06%).

Surcharges to the original rates are assigned according to the following conditions:

+ 0.5% - for salary clients of UniCredit;
+ 0.5% - when opening a Click deposit via the Internet or mobile banking.

Terms of use of the deposit

The procedure for closing a Click deposit in UniCredit Bank depends on the depositor's preferences. By the time the validity period expires, he must submit a written application at the branch or leave an order in the Internet bank. There are two options today:

Funds from the deposit are sent to the depositor's current account;
The rollover is taking place under the conditions currently in force in UniCredit under this savings program.

The client can close the Click UniCredit deposit ahead of time. To do this, you need to submit an appropriate application, which can be done in the office or remotely. The funds will be sent to the account from which the deposit was opened, on which the commission for cashing out depends:

Current: withdrawal fee 1-5%;
Card: 0%, but there are withdrawal limits (according to the type of card).

Compensation of the commission for receiving cash is possible subject to depositing cash on the opening day or withdrawing on the closing day if the deposit was automatically renewed.

The interest rate in case of early termination of the contract is changed for the project On demand - 0.01%.

All money deposited in UniCredit is protected by a mandatory deposit insurance system.

Conclusion

The Click deposit in UniCredit provides for monthly capitalization at a rate of up to 7%. The savings account Click UniCredit provides for a yield of 5%, but the accrual occurs daily, and the funds can be freely disposed of at your discretion.

Profitable investments of the accumulated funds allow the deposits of Unicredit Bank, which are designed for individuals. You should make a deposit if you have your own capital, save money to make your dreams come true, or plan to open a term deposit to increase your savings.

What deposits does Unicredit Bank offer?

You can open a deposit in Unicredit Bank at interest using one of 7 programs that are distinguished by favorable conditions. The official website offers deposits to retirees, all working people, and regular customers interested in improving their living standards.

Unicredit bank deposits are available in rubles or foreign currency. Cash deposits of this company are good because they are simple to open, convenient to replenish and use funds.

Terms of deposits

UniCredit Bank offers its clients profitable cooperation, deposit rates here are quite high, and the conditions are tempting:

the minimum amount is 300 rubles;
maximum - 15,000,000 rubles;
a deposit can be opened for a period from;
interest on deposits of Unicredit Bank today starts at 0.03% for deposits in foreign currency;
the maximum rate is 8%;
capitalization, replenishment, partial withdrawal is possible;
only a passport is required to open.

A special one will help you make calculations and choose an attractive offer. On the site you will find programs of other banks with attractive conditions.

Do you want to use your savings in rubles wisely? In this case, you need to pay attention to the deposits of UniCredit Bank to individuals. At present, they allow all categories of citizens to receive good profits in rubles: students, pensioners, and the working population. Any citizen over 18 years old can issue them.

Terms of registration of deposits in UniCredit Bank

Deposits of UniCredit Bank have favorable terms of registration in comparison with other banks in Russia. Among those:

interest on UniCredit Bank deposits as of today - from 0.03% to 8.00%;
the amount for cash deposits is not limited;
processing time - from 3 months to 5 years.

UniCredit Bank forms interest rates on deposits taking into account the possibility of replenishing the deposit, the amount of funds and the term of the deposit.

To arrange profitable deposits of UniCredit Bank, the client just needs to go to the official website of the organization, study the conditions for making a deposit, choose a profitable program using the built-in