Ամերիաբանկ ՓԲԸ

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Every step you take today builds a better future for you and your family. We help you pave the path to achieve your goals faster than ever! Ameria deposit is one of such short and proven paths. If you decide to save money with Ameria deposit, you will be free to determine the terms of the deposit yourself and we will help you pick a combination of terms that suits you best.

Interest payment frequency and method that you prefer
Minimum amount: from AMD 50,000
Possibility to add up to AMD 40 million, depending on the deposit type

Advantages

Flexibility in Saving Money

Ameria Deposit allows topping up the deposit and withdrawing money, terminating the deposit when necessary while using the deposit amount at your convenience.^[1]

Savings Insurance

The amount on your savings account up to AMD 16 million or up to 7 million, if in foreign currency, is insured by the Deposit Guarantee Fund.

Manage Your Deposit without Visiting the Bank

Manage your deposit without any hassle: top up the deposit via Online/Mobile Banking systems without visiting the bank.

Make Your Savings in the Currency You Prefer

You may make a deposit in Armenian drams, US dollars, euros and/or Russian rubles.

You may make transactions through your savings account in the currency of your savings account at the exchange rate effective at the Bank at that time, except for the conversion of the funds on the account.

^[1] In this case, the interest is recalculated at the rate applicable at that time to the selected deposit for the actual period of the deposit.

Ready to make a deposit?

Apply via Online Banking system.

Apply now

FAQ

What is Ameria Deposit and how does it differ from other deposits?

This is a time deposit and during the duration of the agreement you (or any third party) may not add or withdraw amounts or exchange the deposit amount into another currency. Unlike this type of deposit, with other deposit types you may top up the deposit, withdraw a part of money or terminate the deposit.

In what currency and for what term can I make a deposit?

You can make a time deposit at Ameriabank in AMD, USD, EUR, and RUB for a term of 30-1825 days.

How much is insurance coverage of my deposit?

The deposit amount is insured by the Deposit Guarantee Fund.

Maximum guarantee coverage for deposits in Armenian drams is AMD 16 million, for deposits in foreign currency – AMD 7 million.

For deposits both in AMD and foreign currency where the AMD-denominated deposit exceeds AMD 7 million, the guarantee coverage is up to AMD 16 million for AMD-denominated amount only. Max insurance coverage is AMD 16 million.

If the amount of AMD deposit is below AMD 7 million, the insurance covers your AMD deposit in full, while the deposit in foreign currency is covered to the extent of the difference between AMD 7 million and full amount of insured AMD deposit. Max insurance coverage is AMD 7 million.

What documents do I need to make a deposit?

To make a deposit you should submit your identity document and personal public services number or your ID card.

How can I make a deposit?

To make a deposit, visit any branch of the Bank and present the required documents. If you are already an Ameriabank client, you can submit a deposit application via Online Banking system.

Is the interest payable into my bank account taxable?

Yes. Income tax is payable on the interest credited to the depositor’s bank account: at a rate of 10% in Armenia in accordance with the tax legislation of the Republic of Armenia

How can I renewmy deposit agreement?

The deposit application-agreement may be extended in cases and manner provided for thereby and Terms and Conditions of Deposits for Individuals.

In addition, if the depositor does not request to return the deposit amount upon the expiry of the deposit, then based on the option selected by the depositor in the application-agreement either (i) the agreement is prolonged according to the terms specified therein and the rates effective in the bank at that moment, or (ii) the deposit is transferred to the depositor’s bank account subject to applicable rates and fees.

For more information about deposits please click here

How to apply

Apply online

If you already are an Ameriabank client, you can open make a deposit online by completing your application via Ameria Online or Mobile Banking.

Apply online

Visit us

You can also visit any of our branch offices. Some of our branches work long hours and weekends.

Find a branch

Terms and conditions

Deposit with termination option
Deposit with top-up option
Deposit with partial withdrawal option
Deposit with top-up and termination options
Deposit with partial withdrawal and termination options
Deposit with top-up and partial withdrawal options
Deposit with top-up, partial withdrawal and termination options
Deposit with accumulation option

Minimum deposit amount: AMD 50,000

AMD
Deposit type	Interest payment scheme	Deposits maturity, days
		Deposits maturity, days
		31 to 90	91 to 180	181 to270	271 to 365	366 to 730	731 to 1825
		Nominal annual interest rate⁶
		(Annual percentage yield)
Ameria Deposit¹	Monthly / Monthly capitalization of interest	4.50%	6.00%	7.00%	8.00%	9.00%	9.20%
	Monthly / Monthly capitalization of interest	-4.59%	-6.17%	-7.23%	-8.30%	-9.38%	-9.60%
	Quarterly / Quarterly capitalization of interest	x	6.20%	7.20%	8.20%	9.10%	9.30%
	Quarterly / Quarterly capitalization of interest	x	-6.35%	-7.40%	-8.46%	-9.42%	-9.63%
	Annually / Annual capitalization of interest	x	x	x	x	9.20%	9.40%
	Annually / Annual capitalization of interest	x	x	x	x	-9.20%	-9.40%
	Upfront at the beginning of the term	4.00%	5.30%	6.20%	7.00%	7.80%	8.20%
	Upfront at the beginning of the term	-4.10%	-5.52%	-6.55%	-7.53%	-8.85%	-11.13%
Deposit with termination² option	Monthly / Monthly capitalization of interest	3.50%	5.00%	6.00%	7.00%	8.00%	8.20%
	Monthly / Monthly capitalization of interest	-3.56%	-5.12%	-6.17%	-7.23%	-8.30%	-8.52%
	Quarterly / Quarterly capitalization of interest	x	5.20%	6.20%	7.20%	8.10%	8.30%
	Quarterly / Quarterly capitalization of interest	x	-5.30%	-6.35%	-7.40%	-8.35%	-8.56%
	Annually / Annual capitalization of interest	x	x	x	x	8.20%	8.40%
	Annually / Annual capitalization of interest	x	x	x	x	-8.20%	-8.40%
Deposit with top-up³ option	Monthly / Monthly capitalization of interest	x	5.70%	6.70%	7.70%	8.70%	8.90%
	Monthly / Monthly capitalization of interest	x	-5.85%	-6.91%	-7.98%	-9.06%	-9.27%
	Quarterly / Quarterly capitalization of interest	x	5.90%	6.90%	7.90%	8.80%	9.00%
	Quarterly / Quarterly capitalization of interest	x	-6.03%	-7.08%	-8.14%	-9.09%	-9.31%
	Annually / Annual capitalization of interest	x	x	x	x	8.90%	9.10%
	Annually / Annual capitalization of interest	x	x	x	x	-8.90%	-9.10%
Deposit with partial withdrawal⁴ option	Monthly / Monthly capitalization of interest	x	5.70%	6.70%	7.70%	8.70%	8.90%
	Monthly / Monthly capitalization of interest	x	-5.85%	-6.91%	-7.98%	-9.06%	-9.27%
	Quarterly / Quarterly capitalization of interest	x	5.90%	6.90%	7.90%	8.80%	9.00%
	Quarterly / Quarterly capitalization of interest	x	-6.03%	-7.08%	-8.14%	-9.09%	-9.31%
	Annually / Annual capitalization of interest	x	x	x	x	8.90%	9.10%
	Annually / Annual capitalization of interest	x	x	x	x	-8.90%	-9.10%
Deposit with top-up³ and termination² options	Monthly / Monthly capitalization of interest	x	4.70%	5.70%	6.70%	7.70%	7.90%
	Monthly / Monthly capitalization of interest	x	-4.80%	-5.85%	-6.91%	-7.98%	-8.19%
	Quarterly / Quarterly capitalization of interest	x	4.90%	5.90%	6.90%	7.80%	8.00%
	Quarterly / Quarterly capitalization of interest	x	-4.99%	-6.03%	-7.08%	-8.03%	-8.24%
	Annually / Annual capitalization of interest	x	x	x	x	7.90%	8.10%
	Annually / Annual capitalization of interest	x	x	x	x	-7.90%	-8.10%
Deposit with partial withdrawal⁴ and termination² options	Monthly / Monthly capitalization of interest	x	4.70%	5.70%	6.70%	7.70%	7.90%
	Monthly / Monthly capitalization of interest	x	-4.80%	-5.85%	-6.91%	-7.98%	-8.19%
	Quarterly / Quarterly capitalization of interest	x	4.90%	5.90%	6.90%	7.80%	8.00%
	Quarterly / Quarterly capitalization of interest	x	-4.99%	-6.03%	-7.08%	-8.03%	-8.24%
	Annually / Annual capitalization of interest	x	x	x	x	7.90%	8.10%
	Annually / Annual capitalization of interest	x	x	x	x	-7.90%	-8.10%
Deposit with top-up³ and partial withdrawal⁴ options	Monthly / Monthly capitalization of interest	x	5.40%	6.40%	7.40%	8.40%	8.60%
	Monthly / Monthly capitalization of interest	x	-5.54%	-6.59%	-7.66%	-8.73%	-8.95%
	Quarterly / Quarterly capitalization of interest	x	5.60%	6.60%	7.60%	8.50%	8.70%
	Quarterly / Quarterly capitalization of interest	x	-5.72%	-6.77%	-7.82%	-8.77%	-8.99%
	Annually / Annual capitalization of interest	x	x	x	x	8.60%	8.80%
	Annually / Annual capitalization of interest	x	x	x	x	-8.60%	-8.80%
Deposit with top-up³, partial withdrawal⁴ and	Monthly / Monthly capitalization of interest	x	4.40%	5.40%	6.40%	7.40%	7.60%
termination² options	Monthly / Monthly capitalization of interest	x	-4.49%	-5.54%	-6.59%	-7.66%	-7.87%
	Quarterly / Quarterly capitalization of interest	x	4.60%	5.60%	6.60%	7.50%	7.70%
	Quarterly / Quarterly capitalization of interest	x	-4.68%	-5.72%	-6.77%	-7.71%	-7.93%
	Annually / Annual capitalization of interest	x	x	x	x	7.60%	7.80%
	Annually / Annual capitalization of interest	x	x	x	x	-7.60%	-7.80%
Deposit with accumulation⁵ option	Monthly / Monthly capitalization of interest	x	x	x	x	9.00%	9.20%
	Monthly / Monthly capitalization of interest	x	x	x	x	-9.38%	-9.60%
	Quarterly / Quarterly capitalization of interest	x	x	x	x	9.10%	9.30%
	Quarterly / Quarterly capitalization of interest	x	x	x	x	-9.42%	-9.63%
	Annually / Annual capitalization of interest	x	x	x	x	9.20%	9.40%
	Annually / Annual capitalization of interest	x	x	x	x	-9.20%	-9.40%

1.AMERIA DEPOSIT is a standard deposit where the depositors (or a third party) may not add to or withdraw amounts from the deposit account throughout the term of the deposit agreement.

2.If the depositor terminates the deposit agreement before the due date, the bank shall recalculate the accrued interest at the rate applicable to the selected deposit for the actual number of days elapsed as of the termination date. Partial termination of the deposit is not allowed. If the deposit is requested back within a 30-day period after the start date, interest is recalculated at an annual rate of 0.1%. In this case, the option of “payment of interest upfront at the beginning of the term” is not applicable.

3.The client may top up the deposited amount throughout the term except the last 3 months. Maximum allowed increase is 50% of initial deposit amount. If the deposit with a top-up option is renewed automatically, it will be considered a new deposit, and after the renewal the top-up restrictions shall apply in the same manner as they would apply to a new deposit with the same terms. Funds transferred by third parties can be deposited in the name of the depositor provided the required details of deposit account are specified. In this case, the option of “payment of interest upfront at the beginning of the term” is not applicable.

4.The client can partially withdraw the deposited amount throughout the term except the first 3 months. Maximum allowed withdrawal is 30% of initial deposit amount. Interest accrued to the repaid amount shall not be recalculated. If you withdraw a part of the deposit amount, we will provide you a deposit account statement. You will be required to confirm the receipt of the statement and actual decrease of the deposited amount with your signature. In this case, the option of “payment of interest upfront at the beginning of the term” is not applicable. 5The client may increase the deposit by up to AMD 40 million regardless of initially deposited amount except the last 3 months. If the deposit with an accumulation option is renewed automatically, it will be considered a new deposit, and after the renewal the top-up restrictions shall apply in the same manner as they would apply to a new deposit. Funds transferred by third parties can be deposited in the name of the depositor provided the required details of deposit account are specified. Top up, partial withdrawal and termination options are not applicable to cumulative deposits. Each client can have only one active deposit with accumulation option. 6+0.25% interest rate is applied for new AMD time deposits opened via Internet/Mobile Bank (not applicable to the Premium/Partner client deposits if the deposit term is 181 days and more)

Guide to time deposits for individuals for AMD

Minimum deposit amount: USD 200

USD
Deposit type	Interest payment scheme	Deposits maturity, days
		Deposits maturity, days
		31 to 90	91 to 180	181 to 270	271 to 365	366 to 730	731 to 1825
		Nominal annual interest rate
		(Annual percentage yield)
Ameria Deposit¹	Monthly / Monthly capitalization of interest	0.50%	0.90%	1.90%	2.40%	3.00%	3.20%
	Monthly / Monthly capitalization of interest	-0.50%	-0.90%	-1.92%	-2.43%	-3.04%	-3.25%
	Quarterly / Quarterly capitalization of interest	x	1.00%	2.00%	2.50%	3.10%	3.30%
	Quarterly / Quarterly capitalization of interest	x	-1.00%	-2.02%	-2.52%	-3.14%	-3.34%
	Annually / Annual capitalization of interest	x	x	x	x	3.30%	3.50%
	Annually / Annual capitalization of interest	x	x	x	x	-3.30%	-3.50%
	Upfront at the beginning of the term	0.40%	0.80%	1.80%	2.30%	2.80%	2.70%
	Upfront at the beginning of the term	-0.40%	-0.80%	-1.83%	-2.35%	-2.92%	-2.94%
Deposit with termination² option	Monthly / Monthly capitalization of interest	x	0.40%	1.40%	1.90%	2.50%	2.70%
	Monthly / Monthly capitalization of interest	x	-0.40%	-1.41%	-1.92%	-2.53%	-2.73%
	Quarterly / Quarterly capitalization of interest	x	0.50%	1.50%	2.00%	2.60%	2.80%
	Quarterly / Quarterly capitalization of interest	x	-0.50%	-1.51%	-2.02%	-2.63%	-2.83%
	Annually / Annual capitalization of interest	x	x	x	x	2.80%	3.00%
	Annually / Annual capitalization of interest	x	x	x	x	-2.80%	-3.00%
Deposit with top-up³ option	Monthly / Monthly capitalization of interest	x	0.60%	1.60%	2.10%	2.60%	2.80%
	Monthly / Monthly capitalization of interest	x	-0.60%	-1.61%	-2.12%	-2.63%	-2.84%
	Quarterly / Quarterly capitalization of interest	x	0.70%	1.70%	2.20%	2.70%	2.90%
	Quarterly / Quarterly capitalization of interest	x	-0.70%	-1.71%	-2.22%	-2.73%	-2.93%
	Annually / Annual capitalization of interest	x	x	x	x	2.90%	3.10%
	Annually / Annual capitalization of interest	x	x	x	x	-2.90%	-3.10%
Deposit with partial withdrawal⁴ option	Monthly / Monthly capitalization of interest	x	0.60%	1.60%	2.10%	2.70%	2.90%
	Monthly / Monthly capitalization of interest	x	-0.60%	-1.61%	-2.12%	-2.73%	-2.94%
	Quarterly / Quarterly capitalization of interest	x	0.70%	1.70%	2.20%	2.80%	3.00%
	Quarterly / Quarterly capitalization of interest	x	-0.70%	-1.71%	-2.22%	-2.83%	-3.03%
	Annually / Annual capitalization of interest	x	x	x	x	3.00%	3.20%
	Annually / Annual capitalization of interest	x	x	x	x	-3.00%	-3.20%
Deposit with top-up³ and termination² options	Monthly / Monthly capitalization of interest	x	0.10%	1.10%	1.60%	2.10%	2.30%
	Monthly / Monthly capitalization of interest	x	-0.10%	-1.11%	-1.61%	-2.12%	-2.32%
	Quarterly / Quarterly capitalization of interest	x	0.20%	1.20%	1.70%	2.20%	2.40%
	Quarterly / Quarterly capitalization of interest	x	-0.20%	-1.21%	-1.71%	-2.22%	-2.42%
	Annually / Annual capitalization of interest	x	x	x	x	2.40%	2.60%
	Annually / Annual capitalization of interest	x	x	x	x	-2.40%	-2.60%
Deposit with partial withdrawal⁴ and termination² options	Monthly / Monthly capitalization of interest	x	0.10%	1.10%	1.60%	2.20%	2.40%
	Monthly / Monthly capitalization of interest	x	-0.10%	-1.11%	-1.61%	-2.22%	-2.43%
	Quarterly / Quarterly capitalization of interest	x	0.20%	1.20%	1.70%	2.30%	2.50%
	Quarterly / Quarterly capitalization of interest	x	-0.20%	-1.21%	-1.71%	-2.32%	-2.52%
	Annually / Annual capitalization of interest	x	x	x	x	2.50%	2.70%
	Annually / Annual capitalization of interest	x	x	x	x	-2.50%	-2.70%
Deposit with top-up³ and partial withdrawal⁴ options	Monthly / Monthly capitalization of interest	x	0.30%	1.30%	1.80%	2.30%	2.50%
	Monthly / Monthly capitalization of interest	x	-0.30%	-1.31%	-1.81%	-2.32%	-2.53%
	Quarterly / Quarterly capitalization of interest	x	0.40%	1.40%	1.90%	2.40%	2.60%
	Quarterly / Quarterly capitalization of interest	x	-0.40%	-1.41%	-1.91%	-2.42%	-2.63%
	Annually / Annual capitalization of interest	x	x	x	x	2.60%	2.80%
	Annually / Annual capitalization of interest	x	x	x	x	-2.60%	-2.80%
Deposit with top-up³, partial withdrawal⁴ and	Monthly / Monthly capitalization of interest	x	x	0.80%	1.30%	1.80%	2.00%
termination² options	Monthly / Monthly capitalization of interest	x	x	-0.80%	-1.31%	-1.81%	-2.02%
	Quarterly / Quarterly capitalization of interest	x	x	0.90%	1.40%	1.90%	2.10%
	Quarterly / Quarterly capitalization of interest	x	x	-0.90%	-1.41%	-1.91%	-2.12%
	Annually / Annual capitalization of interest	x	x	x	x	2.10%	2.30%
	Annually / Annual capitalization of interest	x	x	x	x	-2.10%	-2.30%

1.AMERIA DEPOSIT is a standard deposit where the depositors (or a third party) may not add to or withdraw amounts from the deposit account throughout the term of the deposit agreement.

2.If the depositor terminates the deposit agreement before the due date, the bank shall recalculate the accrued interest at the rate applicable to the selected deposit for the actual number of days elapsed as of the termination date. Partial termination of the deposit is not allowed. If the deposit is requested back within a 30-day period after the start date, interest is recalculated at an annual rate of 0.1%. In this case, the option of “payment of interest upfront at the beginning of the term” is not applicable.

3.The client may top up the deposited amount throughout the term except the last 3 months. Maximum allowed increase is 30% of initial deposit amount. If the deposit with a top-up option is renewed automatically, it will be considered a new deposit, and after the renewal the top-up restrictions shall apply in the same manner as they would apply to a new deposit with the same terms. Funds transferred by third parties can be deposited in the name of the depositor provided the required details of deposit account are specified. In this case, the option of “payment of interest upfront at the beginning of the term” is not applicable.

4.The client can partially withdraw the deposited amount throughout the term except the first 3 months. Maximum allowed withdrawal is 30% of initial deposit amount. Interest accrued to the repaid amount shall not be recalculated. If you withdraw a part of the deposit amount, we will provide you a deposit account statement. You will be required to confirm the receipt of the statement and actual decrease of the deposited amount with your signature. In this case, the option of “payment of interest upfront at the beginning of the term” is not applicable.

Guide to time deposits for individuals for USD

Minimum deposit amount: EUR 200

EUR
Deposit type	Interest payment scheme	Deposits maturity, days
		Deposits maturity, days
		31 to 90	91 to 180	1841 to 270	271 to 365	366 to 730	731 to 1825
		Nominal annual interest rate
		(Annual percentage yield)
Ameria Deposit¹	Monthly / Monthly capitalization of interest	0.10%	0.10%	0.40%	0.70%	1.20%	1.50%
	Monthly / Monthly capitalization of interest	-0.10%	-0.10%	-0.40%	-0.70%	-1.21%	-1.51%
	Quarterly / Quarterly capitalization of interest	x	0.20%	0.50%	0.80%	1.30%	1.60%
	Quarterly / Quarterly capitalization of interest	x	-0.20%	-0.50%	-0.80%	-1.31%	-1.61%
	Annually / Annual capitalization of interest	x	x	x	x	1.50%	1.80%
	Annually / Annual capitalization of interest	x	x	x	x	-1.51%	-1.81%
	Upfront at the beginning of the term	0.10%	0.10%	0.40%	0.70%	1.10%	1.30%
	Upfront at the beginning of the term	-0.10%	-0.10%	-0.40%	-0.70%	-1.12%	-1.35%
Deposit with termination² option	Monthly / Monthly capitalization of interest	x	x	x	x	x	x
	Quarterly / Quarterly capitalization of interest	x	x	x	x	x	x
	Annually / Annual capitalization of interest	x	x	x	x	x	x
Deposit with top-up³ option	Monthly / Monthly capitalization of interest	x	x	x	x	x	x
	Quarterly / Quarterly capitalization of interest	x	x	x	x	x	x
	Annually / Annual capitalization of interest	x	x	x	x	x	x
Deposit with partial withdrawal⁴ option	Monthly / Monthly capitalization of interest	x	x	x	x	x	x
	Quarterly / Quarterly capitalization of interest	x	x	x	x	x	x
	Annually / Annual capitalization of interest	x	x	x	x	x	x
Deposit with top-up³ and termination² options	Monthly / Monthly capitalization of interest	x	x	x	x	x	x
	Quarterly / Quarterly capitalization of interest	x	x	x	x	x	x
	Annually / Annual capitalization of interest	x	x	x	x	x	x
Deposit with partial withdrawal⁴ and termination² options	Monthly / Monthly capitalization of interest	x	x	x	x	x	x
	Quarterly / Quarterly capitalization of interest	x	x	x	x	x	x
	Annually / Annual capitalization of interest	x	x	x	x	x	x
Deposit with top-up³ and partial withdrawal⁴ options	Monthly / Monthly capitalization of interest	x	x	x	x	x	x
	Quarterly / Quarterly capitalization of interest	x	x	x	x	x	x
	Annually / Annual capitalization of interest	x	x	x	x	x	x
Deposit with top-up³, partial withdrawal⁴ and termination² options	Monthly / Monthly capitalization of interest	x	x	x	x	x	x
	Quarterly / Quarterly capitalization of interest	x	x	x	x	x	x
	Annually / Annual capitalization of interest	x	x	x	x	x	x

1.AMERIA DEPOSIT is a standard deposit where the depositors (or a third party) may not add to or withdraw amounts from the deposit account throughout the term of the deposit agreement.

2.If the depositor terminates the deposit agreement before the due date, the bank shall recalculate the accrued interest at the rate applicable to the selected deposit for the actual number of days elapsed as of the termination date. Partial termination of the deposit is not allowed. If the deposit is requested back within a 30-day period after the start date, interest is recalculated at an annual rate of 0.1%. In this case, the option of “payment of interest upfront at the beginning of the term” is not applicable. 3The client may top up the deposited amount throughout the term except the last 3 months. Maximum allowed increase is

3.0% of initial deposit amount. If the deposit with a top-up option is renewed automatically, it will be considered a new deposit, and after the renewal the top-up restrictions shall apply in the same manner as they would apply to a new deposit with the same terms. Funds transferred by third parties can be deposited in the name of the depositor provided the required details of deposit account are specified. In this case, the option of “payment of interest upfront at the beginning of the term” is not applicable.

4.The client can partially withdraw the deposited amount throughout the term except the first 3 months. Maximum allowed withdrawal is 30% of initial deposit amount. Interest accrued to the repaid amount shall not be recalculated. If you withdraw a part of the deposit amount, we will provide you a deposit account statement. You will be required to confirm the receipt of the statement and actual decrease of the deposited amount with your signature. In this case, the option of “payment of interest upfront at the beginning of the term” is not applicable.

Guide to time deposits for individuals for EUR

Minimum deposit amount: RUB 10,000

Russian Ruble (RUB)
Deposit type	Interest payment scheme	Deposits maturity, days
		Deposits maturity, days
		31 to 90	91 to 180	181 to 270	271 to 365	366 to 730	731 to 1825
		Nominal annual interest rate
		(Annual percentage yield)
Ameria Deposit¹	Monthly / Monthly capitalization of interest	1.80%	2.70%	3.70%	4.20%	4.20%	4.20%
	Monthly / Monthly capitalization of interest	-1.81%	-2.73%	-3.76%	-4.28%	-4.28%	-4.28%
	Quarterly / Quarterly capitalization of interest	x	2.80%	3.80%	4.30%	4.30%	4.30%
	Quarterly / Quarterly capitalization of interest	x	-2.83%	-3.85%	-4.37%	-4.37%	-4.37%
	Annually / Annual capitalization of interest	x	x	x	x	4.50%	4.50%
	Annually / Annual capitalization of interest	x	x	x	x	-4.50%	-4.50%
	Upfront at the beginning of the term	1.70%	2.60%	3.50%	4.00%	3.80%	3.20%
	Upfront at the beginning of the term	-1.72%	-2.65%	-3.61%	-4.17%	-4.03%	-3.55%
Deposit with termination² option	Monthly / Monthly capitalization of interest	1.40%	2.30%	3.30%	3.80%	3.80%	3.80%
	Monthly / Monthly capitalization of interest	-1.41%	-2.32%	-3.35%	-3.87%	-3.87%	-3.87%
	Quarterly / Quarterly capitalization of interest	x	2.40%	3.40%	3.90%	3.90%	3.90%
	Quarterly / Quarterly capitalization of interest	x	-2.42%	-3.44%	-3.96%	-3.96%	-3.96%
	Annually / Annual capitalization of interest	x	x	x	x	4.10%	4.10%
	Annually / Annual capitalization of interest	x	x	x	x	-4.10%	-4.10%
Deposit with top-up³ option	Monthly / Monthly capitalization of interest	x	2.40%	3.40%	3.90%	3.70%	3.70%
	Monthly / Monthly capitalization of interest	x	-2.43%	-3.45%	-3.97%	-3.76%	-3.76%
	Quarterly / Quarterly capitalization of interest	x	2.50%	3.50%	4.00%	3.80%	3.80%
	Quarterly / Quarterly capitalization of interest	x	-2.52%	-3.55%	-4.06%	-3.85%	-3.85%
	Annually / Annual capitalization of interest	x	x	x	x	4.00%	4.00%
	Annually / Annual capitalization of interest	x	x	x	x	-4.00%	-4.00%
Deposit with partial withdrawal⁴ option	Monthly / Monthly capitalization of interest	x	2.40%	3.40%	3.90%	3.90%	3.90%
	Monthly / Monthly capitalization of interest	x	-2.43%	-3.45%	-3.97%	-3.97%	-3.97%
	Quarterly / Quarterly capitalization of interest	x	2.50%	3.50%	4.00%	4.00%	4.00%
	Quarterly / Quarterly capitalization of interest	x	-2.52%	-3.55%	-4.06%	-4.06%	-4.06%
	Annually / Annual capitalization of interest	x	x	x	x	4.20%	4.20%
	Annually / Annual capitalization of interest	x	x	x	x	-4.20%	-4.20%
Deposit with top-up³ and termination² options	Monthly / Monthly capitalization of interest	x	2.00%	3.00%	3.50%	3.30%	3.30%
	Monthly / Monthly capitalization of interest	x	-2.02%	-3.04%	-3.56%	-3.35%	-3.35%
	Quarterly / Quarterly capitalization of interest	x	2.10%	3.10%	3.60%	3.40%	3.40%
	Quarterly / Quarterly capitalization of interest	x	-2.12%	-3.14%	-3.65%	-3.44%	-3.44%
	Annually / Annual capitalization of interest	x	x	x	x	3.60%	3.60%
	Annually / Annual capitalization of interest	x	x	x	x	-3.60%	-3.60%
Deposit with partial withdrawal⁴ and termination² options	Monthly / Monthly capitalization of interest	x	2.00%	3.00%	3.50%	3.50%	3.50%
	Monthly / Monthly capitalization of interest	x	-2.02%	-3.04%	-3.56%	-3.56%	-3.56%
	Quarterly / Quarterly capitalization of interest	x	2.10%	3.10%	3.60%	3.60%	3.60%
	Quarterly / Quarterly capitalization of interest	x	-2.12%	-3.14%	-3.65%	-3.65%	-3.65%
	Annually / Annual capitalization of interest	x	x	x	x	3.80%	3.80%
	Annually / Annual capitalization of interest	x	x	x	x	-3.80%	-3.80%
Deposit with top-up³ and partial withdrawal⁴ options	Monthly / Monthly capitalization of interest	x	2.10%	3.10%	3.60%	3.40%	3.40%
	Monthly / Monthly capitalization of interest	x	-2.12%	-3.14%	-3.66%	-3.45%	-3.45%
	Quarterly / Quarterly capitalization of interest	x	2.20%	3.20%	3.70%	3.50%	3.50%
	Quarterly / Quarterly capitalization of interest	x	-2.22%	-3.24%	-3.75%	-3.55%	-3.55%
	Annually / Annual capitalization of interest	x	x	x	x	3.70%	3.70%
	Annually / Annual capitalization of interest	x	x	x	x	-3.70%	-3.70%
Deposit with top-up³, partial withdrawal⁴ and	Monthly / Monthly capitalization of interest	x	1.70%	2.70%	3.20%	3.00%	3.00%
termination² options	Monthly / Monthly capitalization of interest	x	-1.71%	-2.73%	-3.25%	-3.04%	-3.04%
	Quarterly / Quarterly capitalization of interest	x	1.80%	2.80%	3.30%	3.10%	3.10%
	Quarterly / Quarterly capitalization of interest	x	-1.81%	-2.83%	-3.34%	-3.14%	-3.14%
	Annually / Annual capitalization of interest	x	x	x	x	3.30%	3.30%
	Annually / Annual capitalization of interest	x	x	x	x	-3.30%	-3.30%

1.AMERIA DEPOSIT is a standard deposit where the depositors (or a third party) may not add to or withdraw amounts from the deposit account throughout the term of the deposit agreement.

2.If the depositor terminates the deposit agreement before the due date, the bank shall recalculate the accrued interest at the rate applicable to the selected deposit for the actual number of days elapsed as of the termination date. Partial termination of the deposit is not allowed. If the deposit is requested back within a 30-day period after the start date, interest is recalculated at an annual rate of 0.1%. In this case, the option of “payment of interest upfront at the beginning of the term” is not applicable.

3.The client may top up the deposited amount throughout the term except the last 3 months. Maximum allowed increase is 30% of initial deposit amount. If the deposit with a top-up option is renewed automatically, it will be considered a new deposit, and after the renewal the top-up restrictions shall apply in the same manner as they would apply to a new deposit with the same terms. Funds transferred by third parties can be deposited in the name of the depositor provided the required details of deposit account are specified. In this case, the option of “payment of interest upfront at the beginning of the term” is not applicable.

4.The client can partially withdraw the deposited amount throughout the term except the first 3 months. Maximum allowed withdrawal is 30% of initial deposit amount. Interest accrued to the repaid amount shall not be recalculated. If you withdraw a part of the deposit amount, we will provide you a deposit account statement. You will be required to confirm the receipt of the statement and actual decrease of the deposited amount with your signature. In this case, the option of “payment of interest upfront at the beginning of the term” is not applicable.

Guide to time deposits for individuals for RUB

The Bank may, at its own discretion, provide to the depositor a loan, card (debit or credit) with revolving or non-revolving line of credit on the following terms:

Currency	Interest Rate	Credit limit/Deposit principal (LTV) Ratio
Same as deposit currency	Deposit rate + 4%	Up to 90%
Other than deposit currency	The rate specified in Retail Lending Terms	Up to 70%

Any overdue liabilities on the credit card shall be charged to the deposit principal without prior notice.

The deposit amount used for calculation of the ratio does not include the interest paid at the beginning of the term.

Last updated on 10.12.2021, 10:40