up to 19,5%

per annum


up to 18 month

with prolongation

  • You can withdraw and replenish the deposit without losing interest
  • You can attach the deposit amount to foreign currencies

  • You know in what loan and on the security of what your money works

  • The cost of capital real estate in a mortgage is more than 2 times the value of deposits

Annual interest rates for “ZaRaZ” members on deposit accounts
Duration (months)With interest payment at the end of the term %With monthly interest payment %With quarterly interest payment %
3 months.14%
6 months.15%13%
9 months.16%15%
13 months.18,5% *16%17,5%
18 months.19,5%

* — partial withdrawal up to 30% is allowed without loss of accrued interest. Deposit replenishment without limits.

Annual interest rates for “ZaRaZ” members on deposit accounts taking into account currency risks
Duration (months)With interest payment at the end of the term %With quarterly interest payment %
6 months.5%
13 months.10%9%
18 months.12%

What is a bank deposit?

A deposit is a financial instrument, when using which a client can keep his funds in a bank. The latter pays the client a certain percentage for the use of funds during their storage. A deposit is an agreement between the bank and the depositor, in which the latter transfers a certain amount for storage in accordance with the specified conditions. The bank undertakes to return the funds within the specified time frame as soon as the client wants to terminate cooperation. The conditions and form of return must be specified in the contract.

What is the difference between a deposit and a deposit?

Each person can keep money on the deposit by contacting a banking institution for this. The deposit involves the opening of a cash account, which will bring dividends to its owner. If you use a deposit, you can store on the account:

  • funds on the deposit;
  • promotions;
  • precious metals;
  • securities and things.

Having decided on the peculiarity of this tool, it is necessary to understand why leaving money on the deposit is such an urgent solution for many bank clients. The reason lies in the presence of an interest rate, which may differ from bank to bank. The interest rate is used as a payment by the bank for the opportunity to use bank funds on the deposit. The bank’s income in this situation is the difference between the placement of finance and the attraction of new customers.

Which deposit to choose?

It is not profitable to keep money on a deposit in every bank. For this reason, customers who wish to take advantage of passive income should be more careful when choosing a branch to open an account. All deposits can be divided into term and demand deposits. A term deposit involves opening a deposit at an interest rate, and money is deposited into the account for a certain period. When the deposit expires, the user gets their funds and interest back.

This type of deposit has less liquidity, but allows you to get a high income due to a solid interest rate. Demand deposits are an alternative. In this case, there is no precisely specified period for which funds will be stored. Refunds from the deposit can be made at any time when it is convenient for the client. Most often, such a deposit has a lower interest rate. The money on the deposit can always be used for a profitable investment, therefore, they retain high liquidity.

Time deposits are divided into several types. Accumulative deposit allows you to keep funds on the deposit and replenish it throughout the entire period until the account is closed. Savings deposit is a standard term deposit without the possibility to replenish the account or extend its validity period. The funds on the deposit can be calculated. In this case, the owner of the deposit has the opportunity not only to replenish the account, but also to withdraw money from it.

To find a suitable deposit, you need to carefully study the offered interest rates. The money on the deposit should bring the maximum profit to its owner. At the same time, some additional factors may affect the amount of interest, which should also be taken into account when opening a deposit. The funds on the deposit must be reliably protected, therefore, when choosing a place to open an account, pay attention to the reliability of the bank. Our experts will always help you open a profitable deposit.