Europa loan was established in 1997. It is included in the FIBA \u200b\u200bInternational Financial Corporation, which leads its activities in more than 12 countries in the world. A widely developed branch network allows us to credit Europe to provide its services to a large number of citizens of our country.

Dear readers! The article tells about the typical ways to solve legal issues, but each case is individual. If you want to know how solve your problem - Contact a consultant:

Applications and calls are accepted around the clock and seven days a week..

It's fast i. IS FREE!

Private clients are invited to place free finances on one of the deposit accounts, the detailed conditions of which we will look at the following.

What bank offers

To date, these are products:

Interest on deposits of individuals in 2019 on credit Europe Bank

The highest rate is provided for the contribution of the growing income. The term of this deposit is fixed and amounts to 1 year. The year is divided into 4 equal time intervals, each of which has its own yield.

So, if the contributor decided to issue a growing income in rubles, then the rates will be as follows:

For all other deposits, the interest rate growth is not provided. That is, the contributor draws up a deposit, investing a certain amount and for a certain period, but at the same time the yield will be fixed during the entire time of the contract.

If you put up to 3 million rubles for the urgent deposit, you can get the following profit:

Not bad interest and in deployment. The maximum rate is 8.75%, and it can be obtained if you invest in:

• amount from 100 thousand rubles;
• for a period of 1 year.

Cumulative contribution - the lowest interest, but many possibilities. The minimum rate is 6.25%, the maximum is 8.15%.

Maximum can be obtained if you invest money:

• from 3 million rubles;
• for a period of 1 year.

Conditions

Terms of term deposits:

Registration

Any deposits on credit Europe are made up one of three ways - to choose a client:

• either by filling out an online questionnaire on the site and subsequent visits to the office;

• via online bank;

• in any office a loan europe.

If a Russian citizen is drawn, one passport will be required from the documents. Citizens of other countries, in addition to the passport, must be provided:

• migration card;

• a document that indicates the presence of a citizen of the right to stay in the Russian Federation.

How to calculate profitability

The calculation of profitability is carried out directly on the website of the credit institution in the relevant section.

To access the online calculator, follows:

• go to the official Internet resource of the bank;
• in the top menu, click on the "Private Clients" tab;
• on the page that opens, find the block "deposits and current accounts" and click "Calculator by deposits".

Important! The calculator considers approximately rounding all the results according to the rules of arithmetic rounding, and also takes to calculate the number of days in the calendar year - 365. Thus, the calculation is only a preliminary character and serves to familiarize themselves.

Calculation algorithm:

• in the field "I want to place" to specify the amount of the contribution using the slider, and from the drop-down list - the currency (rubles, euro or dollars);
• in the field "For a term" to mark the term of the deposit also with the help of a slider;
• just below there is a block of selection of necessary options - select from the list presented, what requirements should satisfy the deposit.

Let, we will specify the following data:

• ruble deposit;
• the amount is 60000 rubles;
• term - 368 days;
• from the block of options, choose "I am interested in the maximum rate."

Total we get the calculation in the block on the right. The system picked up according to the values \u200b\u200bentered the values \u200b\u200bentered. It also indicates that in 1 year the contribution in the amount of 60 thousand rubles will bring an income of 5293 rubles (at the interest rate of 8.75% per year).

Lie insured

Yes, deposits placed on the loan of Europe are insured.

The bank became a member of the insurance system in 2005. From that moment on, all cash that citizens are placed on deposit accounts are under reliable protection by the state.

Insurance allows you to pay depositors tools that could be irretrievably lost when the insured event occurs.

For example, the Bank may lose all its liquid assets (to become bankrupt) or the Central Bank of the Russian Federation will respond to a license to carry out banking operations.

Without insurance, get back your money would be extremely difficult, if at all impossible.

This system guarantees absolutely all customers who have a valid contribution to the date of occurrence of the insurance event, the payment of insurance compensation.

The maximum amount of insurance from December 29, 2019 - 1.4 million rubles. Deposits over this amount are compensated only in part.

If the depositor at once has several deposits that are open in various banks, and the insured event has come against several banks at once, the calculation of insurance will be carried out in respect of each bank separately.

Particular features of urgent contribution

The contribution of urgent provides special conditions for accrualing interest rates if the client decides the ahead of schedule to cancel the contract.

If half a year from the moment of discovery, the income will be accrued at the rate according to the contract between the bank and the client multiplied by 0.5. Thus, the depositor will lose only half of the potential profits.

In other cases, interest will be accrued in the amount of 0.01% per annum.

Rentier

The contribution of Earls can be opened both in rubles and in foreign currency. The minimum initial contribution is only 3000 rubles, or 100 dollars / euro.

A distinctive feature of the Relier deposit is the fact that interest is paid every month, and not at the end of the term. This makes it possible to use the accrued income immediately, without waiting until the deposit period is coming to an end.

Benefits

Advantages of the opening of deposits in the Bank of Europe;

• urgent contribution there are preferential conditions for termination of the contract for the previously provided period;
• the choice of this bank has already made more than 5 million customers throughout Russia;
• a sufficiently developed branch network, which allows to provide high-quality financial services to most of our country's population;
• deposits can be conveniently controlled through remote service channels;
• the funds of citizens are under reliable protection of the state - in the event of bankruptcy of the bank or license revocation, all depositors will pay insurance in the amount of the deposit amount;
• the Bank trust the largest state structures, such as, for example, the Pension Fund.

Deposits for legal entities

For corporate clients, Europe loans is ready to offer two types of deposits:

• Classical;
• Flexible.

Funds are placed both in rubles and in foreign currency. The flexible timing of the placement of funds is provided. Interest rates are individually determined based on the rates established by the Interbank Deposit Market.

Features of deposits:

The qualified manager is ready to answer all the questions on deposits for legal entities.

This page provides a list of all deposits for individuals in the Bank of Europe Bank for 2018.

"Rentier"

For a period: 3 months to 730 days.
The amount of replenishment: unknown.
For a separate account: Yes.

Capitalization: No.
The frequency of interest payments: monthly.

Partial removal: it is impossible.
Prolongation: possible.
Percentage of deposit: 11.25%.

"Rising income"
Minimum contribution: 30 000 rubles.
For a period: year.
The amount of replenishment: unknown.
For a separate account: no.
For a separate account for calculations using a bank card: No.
Capitalization: there.
Percent interest frequency: each 92 calendar day.
Progressive accrual: Yes.
Partial removal: it is impossible.
Prolongation: possible.
Percentage of deposit: 10.2%.

"Cumulative"
Minimum contribution: 3 000 rubles.
For a period: half a year to 730 days.
The amount of replenishment: from 2,000 to 1,000,000 rubles.
For a separate account: Yes.
For a separate account for calculations using a bank card: No.
Capitalization: No.
The frequency of interest payments: at the end of the main (prolonged) period.
Progressive accrual: no.
Partial removal: possibly.
Prolongation: possible.
Percentage of deposit: 9%.

According to our data for July 2019, 26 branches of bank-europe bank are working in Moscow:

• Credit Europe Bank, JSC. Address: Paveletskaya Square, 2 hundred. 1st floor. Phone: 8-800-700-77-57. Mode of operation: Mon - Fri from 09:00 to 18:00;.
• Credit Europe Bank, JSC. Address: Tverskaya-Yamskaya 1st, 34. 1st floor. Phone: 8-800-700-77-57. Mode of operation: Mon - Fri from 09:00 to 21:00;.
• Credit Europe Bank, JSC. Address: Olympic Avenue, 14. 1st floor. Phone: 8-800-700-77-57. Mode of operation: Mon - Fri from 09:00 to 18:00;.
• Credit Europe Bank, JSC. Address: Upper Krasnoselskaya, 3a. 2nd floor. Phone: 8-800-700-77-57. Opening hours: Daily from 09:00 to 22:00;.
• Credit Europe Bank, JSC. Address: Kiev Station Square, 2. 0 floor. Phone: 8-800-700-77-57. Mode of operation: Mon - Thu from 10:00 to 22:00; PT - Sat from 10:00 to 23:00; Sun from 10:00 to 22:00;.
• Credit Europe Bank, JSC. Address: Leninsky Prospekt, 75. Phone: 8-800-700-77-57. Mode of operation: Mon - Fri from 10:00 to 19:00;.
• Credit Europe Bank, JSC. Address: Butyrskaya, 86b. ground floor. Phone: 8-800-700-77-57. Mode of operation: Mon - Fri from 10:00 to 19:00;.
• Credit Europe Bank, JSC. Address: Sadovaya-Chernogryazskaya, 13/3 of St1. . Phone: 8-800-700-77-57. Mode of operation: Mon - Fri from 09:00 to 18:00;.
• Credit Europe Bank, JSC. Address: Veljaminovskaya, 6. Phone: 8-800-700-77-57. Mode of operation: Mon - Fri from 09:00 to 21:00;.
• Credit Europe Bank, JSC. Address: Presnenskaya Embankment, 10. -1 Floor. Phone: 8-800-700-77-57. Mode of operation: Mon - Fri from 09:00 to 18:00;.

Europe Bank credit provides the opportunity to place urgent savings deposits in national or foreign currencies - dollars or euros. There are several deposit programs without the possibilities of replenishing and carrying out expenditure operations with different options for paying accrued interest. The client may issue a cumulative contribution with the possibility of one-time removal of funds in partial volume.

Features of deposits.Deposits, which can be issued within the framework of the Line Programs of Europe Bank, have a number of following features:

• The interest rate depends on the amount and term of the deposit, as well as on the currency in which it is open;
• Accrued interest can be paid at the same time at the end of the deadline or regularly - every month / 3 months. Depending on the program, interest may be capitalized or translated into a separate account;
• A premature termination of the contract with the client is allowed, while the Bank makes the count of accrued interest at the rate of the indefinite contribution;
• Open currency contribution is not possible in all divisions of the bank. The list of offices working with foreign currency is presented on the Bank's website;
• Placing deposits in the bank is available both to citizens of the Russian Federation and citizens / subjects of any other state. There is no possibility of making a contribution to the name of the 3rd person;
• The client has the right to arrange several deposits at the same time, including in different currencies;
• In the Department of the Bank, the Depositor may make the power of attorney for the implementation of individual or all of the contribution management operations.

How to discover the contribution?Place your credit on europe bank you can in the following ways:

• In the bank's division. To register the deposit, the client must provide a document identifying the document, for example, the general passport of the Russian Federation / Foreign National Passport, a certificate of a serviceman, a temporary identity card of a citizen of the Russian Federation. Foreigners additionally provide a migration card to the Bank and a document certifying the legality of staying in the country, for example, a visa or residence permit. On the official website of the bank you can fill out a preliminary online application;
• Remotely - with the help of an Internet bank or mobile application. To connect remote services, the client needs to contact one of the departments of the bank.

Closing the deposit and removal of money.The closure of the deposit is made on the last day of the Saving Agreement by the Client. The bank returns funds in cash via the cashier or by bank transfer to the account of the depositor. Regardless of the amount, the client must notify the Bank on the removal of funds no later than 3 working days before the relevant operation. If the contribution is not in demand by the client, its autoprolonation is carried out under the terms of the primary contract. Also, the client has the right to close the contribution ahead of schedule. At the same time, the accrued interest is recalculated at the request of the claim to demand, if the program conditions are not established a preferential termination procedure with preserving a part of interest.

Storage of money in a foreign bank– Option of how to secure your funds from the surprises of the domestic economy.

The main goal of the deposit abroad is a reliable preservation of funds. Rates abroad are low, mostly 1-2%, and only in some way - up to 5%. Western financial institutions have strict conditions for early termination of deposits, as well as high interest taxes.

Many establish a high threshold of funds (especially in Switzerland) - 10-25 thousand euros. The minimum amount of guaranteeing (payment of reimbursement of the depositor in the event of bankruptcy) on the norms of the European Union is at least 20,000 euros. In some countries, it reaches 100,000 euros, for example, in Lithuania. Place money abroad is beneficial to those who study or works, and also has a business or buying real estate.

Popular countries for deposits in Europe

For many years, Russians placed deposits in Cyprus. But after problems in the bank's banking system, when many have lost money, its popularity has decreased. Now the placement of funds in the Baltic States are distributed.

Also known from investors such countries like Germany, Austria and Denmark, and the classic of the genre - Switzerland, where very low rates and a large size of the minimum contribution. Deposits in foreign banks, the percentages of which are very low, are considered as a way of reliable storage of money, but not earnings.

The proposal for deposits in the context of countries is as follows.

1. In Cyprus, the best deals reach 4.5% (individually up to 6%) per annum in $ - Bank of Cyprus, Cyprus Popular Bank Ltd, and Alphbank.
2. In Latvia, the Citadele Bank is interesting, which offers up to 3% per annum in $. Bigbank announces in euros to 2.65%.
3. USA: EDVARD and Jones Vanguard CROUP offer up to 2.96% in dollars.
4. In the UK, Bank of London and The Middle East is announced to 2.8% by pounds.
5. Italy. Ing Direct Italia in Euro - 1.4%.
6. Belgium - Ing Belgium - 1.25% (euro).
7. Deposits in Germany: Ing DIBA offers euro rates up to 1% per annum.
8. Sweden -Nordea attracts funds under 1% in Swedish crowns.
9. Netherlands. ABN AMRO in deposits in euros - up to 1% per annum.
10. Switzerland. POSTFINANCE Bank - 0.15% per annum in Swiss francs. From deposits in Switzerland is the most advantageous offer, given the cost of servicing the deposit. The highest rates in Switzerland at Credit Suisse (0.72%), but maintenance costs exceed income.

The main requirement of foreign financial structures to non-resident depositors is the transparency of the source of the money. Therefore, checking this factor is very serious. Various types of references and extracts other than the usual documents accompanying the opening of the deposit are required.

The recommendations of the domestic bank are welcome, if this is a "daughter" of foreign. Also will be very useful to the recommendations of business partners who cooperate with this institution. If the investor has a business in the country depositor placement is a big plus.

The high minimum threshold of the deposit (thousands of dollars) makes it possible to eliminate people with low and medium incomes.

To open an account in a foreign bank, it is necessary:

1. Choose a suitable country, a bank (reliability rating "A") and the type of deposit.
2. Enter the correspondence to clarify the opening conditions (in person or with the help of intermediaries).
3. Collect the necessary documents (personally or through intermediaries), make their translation, reference notaries.
4. Send documents to the bank.
5. Get a positive solution (or refusal).
6. With a positive decision to sign a contract, having left abroad (for VIP clients, the Bank can send its clerk).
7. Place money.
8. Tell local authorities all the necessary information about opening an account abroad.

Starting from 2015, citizens who posted funds abroad are required to submit information about the movement of funds in the accounts to the Tax Inspectorate. These reports need to make confirmation documents translated into Russian and certified notarized.

On the opening and closing of an account abroad, it is necessary to inform the tax inspectorate at the place of residence during the month (otherwise it faces fine 5000 rubles.).

You can transfer funds to the deposit only through Russian financial structures.

• Calculate all incomes / costs so as not to be in a loss. Low interest on deposits, as well as the cost of its service, the Commission for the transfer of funds and the removal of them, conversion, lead to the fact that when placing less than 50 thousand dollars, the depositor may be "in the minus".
• If a foreign bank does not give consent and requests all new and new documents, then in this way he says to the depositor that the deposit is undesirable. Abroad it is not customary to talk about it directly.

* Data update date - April 2015