A classic deposit requires a minimum of actions from the bank client: just open it, deposit the required amount and forget about it for the period specified in the agreement. Depending on the specific offer, interest will be accrued regularly or will be credited to the selected account at the end of the term.
A replenishable deposit allows additional funds to be deposited into the deposit account. During the entire term or a certain period. Therefore, the client can transfer the required amounts to it, increasing the final yield. In the application of many banks, you can set up automatic transfers - this is convenient if you want to save regularly.
Is it possible to earn money on replenishable deposits?
Deposits are not usually considered promising investment instruments. They are almost always tied to the key rate of the Bank of Russia. And it largely depends on current inflation. Therefore, deposits are often jiangxi mobile number database opened to preserve capital, rather than to increase it.
There is another opinion: with a high key rate, the profitability of deposits can exceed the net profit of many types of business. If we compare deposits with investments in the stock market, the former are safer - interest rates are fixed in the terms of the agreement. When fulfilling the latter, the client is guaranteed to receive income. Regardless of the state of the market.
Important: in Bank Sinara, deposits up to 1.4 million rubles are insured - no matter what happens, the depositor will be able to get his money back.
As an example, let's calculate the potential yield on the "Ordinary Miracle" deposit from Sinara Bank. Let's assume that a client opens a deposit for a period of 1 year and deposits 100,000 rubles. Within 30 days, he replenishes the deposit by another 50 thousand rubles. Thus, interest will be accrued on a total amount of 150 thousand rubles - for the year, the total income will be 27.3 thousand rubles.