“Gift of Life” Deposit Account

By opening this deposit account, you are helping children with cancer, hematological and other severe illnesses.

  • Annual Interest Rate: 
    —8.93%, RUB
  • Deposit Term: 1 year
  • Interest Calculation: every 3 months
  • No top-ups
  • No partial withdrawals
  • Minimum Amount:
    — RUB 10,000

0.3% p.a. of the deposit amount will be transferred each quarter to the Gift of Life Charity Fund.

Deposit term1 year
Minimum amountRUB 10,000
Top-upNot allowed
Partial withdrawalNot allowed

Interest Calculation:

  • Interest is calculated on a monthly basis.
  • You can withdraw the accrued interest, or transfer it to your card account.
  • Accrued interest is added to the deposit amount to increase the income in subsequent periods.

Early Termination:

  • When withdrawing a deposit within the first 6 months of the principal (renewed) term — based on an interest rate of 0.01% p.a.
  • When withdrawing a deposit after the first 6 months of the principal (renewed) term — based on two-thirds of the interest rate set by the Bank for this type of deposits as of the date of opening (renewing) the deposit.
  • If the deposit is terminated early, the interest will be recalculated without the quarterly interest capitalization.

Terms of Renewal:

  • Automatic renewal is subject to the terms and interest rate effective for the "Gift of Life" deposit account as of the date of renewal.
  • No limits on the number of renewals.

Special Terms:

  • Each quarter, the Bank will make a transfer amounting to 0.3% p.a. of the deposit to the Gift of Life Charity Fund.

You can draw up a Power of Attorney and testamentary arrangements for your deposit account.

  • Contact your local office of the Bank and bring your passport or other identity document.
  • Sign a Deposit Agreement with the Bank.
  • Pay the deposit amount onto your account.