Sovcombank deposits of individuals for August. Deposits in Sovcombank. How to open a deposit in Sovcombank

Today, the population has access to all investment areas - you can invest in securities, currency, real estate, etc. However, in order to make money on activities in these areas, you need to have the appropriate knowledge and skills, otherwise there is a great risk of incurring losses. Anyone can arrange deposits "Sovcombank" in Moscow, even without an economic education. This is one of the most important advantages of the product - it is simple, since the profit here is based on ordinary mathematics.

Today credit organisation ranks in the top 5 organizations with private capital in terms of assets and branch network. Consumers in 1052 settlements can use the services of the bank in the offices. And qualified personnel will advise them and help prepare the papers. Also, the management is actively introducing modern technologies in their activities. One such innovation is Internet Banking, which is designed to simplify payment transactions.

Competent choice

The study of proposals is a responsible business that requires complete seriousness. You should consider all the parameters of the product - the minimum contribution, whether there is a possibility of early withdrawal of funds or replenishment of the deposit, the size of the bet and the method of accrual. In total, there are three methods on the market:

  • capitalization;
  • regular payments to the client's card;
  • a one-time payment after the end of the contract.

    • The first option is often called the most profitable. Its essence is as follows: interest for a certain period of time is added to the initial investment, after which each calculation takes place for the actual amount. However, when choosing a method, you should focus on personal requirements and comfort. For example, if you want to periodically receive additional income, then the second method will be the best solution.

    When examining the products, it will be useful to visit the office and personally talk with the staff. During the conversation, do not hesitate to ask questions - the staff will be happy to answer them and tell you about all the nuances. It is also worth asking the manager to present special directions - family, children, etc. As a rule, more favorable conditions apply for them, so be sure to pay attention to all lines.

    Convenient site

    On the site you will find offers available on the market with a detailed description of their conditions - interest rate, opening cost and Required documents... Here are the current products of our partners. We check and update information on a daily basis, and the ability to submit an online application will make the use of the resource much more convenient. the site is an independent financial supermarket with a multimillion audience throughout Russia.


    In 2019, Sovcombank prepared several deposit options for pensioners. Today we will tell you about what interest rates are offered by this company for individuals who want to increase their savings.

    general information

    As you know, this financial institution is the only bank in Russia that provides loans to pensioners under 85 years of age. Such an offer is really unique, you can find out the conditions in.

    Are there any special conditions for making a deposit for people of retirement age? Unfortunately no. There are no depositors for this category special programs if they want to open a deposit here, then they do it on a general basis.

    Note that the bank is a member of the deposit insurance system. This means that if the license is revoked from Sovcombank, you are guaranteed to be able to get your money back in the form of compensation. Its maximum size can be up to 1.4 million rubles, you can learn more about it.

    Current programs in 2019

    So, let's consider the bank's offers for its clients:

    • "Record percentage"

    You will need to deposit at least 50,000 rubles to your account with the possibility of further replenishment with amounts of 1000 rubles or more. Validity - 60, 181 or 365 days, the yield will be up to 7.8%. If you want to get an increased income from 8.3% to 8.8% per year, then you can open the "Record interest with Halva" deposit.

    Important: a deposit can be made only if you have an installment card from Sovcombank, on which at least 5 transactions have already been made during the reporting period for an amount of at least 10,000 rubles. The presence of overdue debts is not allowed.

    • "Maximum income with Halva"

    This is a special offer for owners. If it is available, you will be able to receive an increased profitability on this deposit in the amount of from 7.1% to 8.65% per year. Deposit is required from 50,000 rubles. for a period from 31 to 1095 days with replenishment and payment of interest at the end of the contract, you can increase the rate by 1 percentage point. in the event that you use the "Halva" installment card.

    • "Maximum income"

    Available with a minimum contribution of 30,000 rubles. Replenished, payments from 1000 are accepted. The investment period can be from 31 to 1095 days, the payment of funds is carried out at the end of the term. The yield varies from 6.1% to 7.65% per annum, early preferential termination is possible only after the first year of the agreement, up to 366 days you will lose the accrued interest.

    • "Automotive"

    The deposit is opened upon presentation of a driver's license or STS (PTS) for the car. The contract is drawn up for 360 days with a deposit of 30,000 rubles with the possibility of replenishment (from 1000 rubles) and partial withdrawal of funds (while maintaining the minimum balance from the 7th month). Interest rate equals 6.6% per year, while it is possible to increase it to 7.6% from the 7th month upon submission of documents on the purchase of a car from Sovcombank partners.

    • "Fixed income"

    It is also issued when making a payment of 30,000 rubles, additional payments - from 1000. The period of the deposit is from 31 to 1096 days, the rate is from 5.1 to 6.7% per annum. An increase in the rate is possible by 1 percentage point. when making calculations with the Halva card.

    • "Comfortable"

    Here you will need to place, as a standard, from 50,000 rubles for a convenient period from 31 to 1095 days. The rate varies from 6% to 7.55% per year, replenishment is allowed, interest will be paid at the end of the contract. Auto-prolongation is possible.

    • "Free"

    A special proposal, which will act. Accepted large sums from 1 million rubles for a long period of 91, 181 or 365 days. Replenishment - from 5000 rubles, the yield will be from 6% to 6.4%, payments are made monthly. Partial withdrawals are allowed up to the minimum balance, the termination of the contract takes place ahead of schedule on favorable terms.

    • "Poste restante"

    This is a free savings bank account where you can hold any amount for an unlimited period at 0.01%.

    Additional Information

    Do you want to have additional income? To do this, you can transfer your pension from the Pension Fund to Sovcombank to the My Income account. In this case, you will receive the following privileges of the "Honorary Client":

    • On the balance of own funds when transferring pension / salary, 5.3% per annum is charged. The 5.3% rate is valid for 1 month from the date of the last pension receipt.
    • Free SMS notification.
    • Free card service.

    For existing clients of the bank, remote opening of deposits will be available. Now you can open and replenish deposits without leaving your home using the Internet bank sovcombank.ru. In this case, you will receive increased interest.

    Sovcombank is traditionally listed as an institution that has taken the development of products specifically for retirees as the basis of its activities. Today it is the first issuer in the list among all the others, which offers key customers not only credit products, but also interesting conditions for deposits. There is indeed an opportunity for pensioners to choose here, tk. programs with special offers are developed here on a regular basis.

    Deposits in Sovcombank for individuals in 2017 and interest on deposits

    If we talk about products for individuals in general, then the official website of the issuer contains all the necessary information. The latest conditions for individuals are as follows:

    "Maximum income" - the interest rate is indicated here at 9% per annum. But this is not a fixed amount, and it is offered as such only within the framework of an individual proposal. The minimum amount is in the form of 30 thousand rubles, and the term is 1/2/3 years to choose from. For individuals receiving a pension, special conditions are provided;

    "Fixed income" - the interest rate is set at up to 11%. It provides for the payment of all interest on a monthly basis. At the same time, the possibility of constant replenishment has also been introduced, for a minimum amount of 1 thousand rubles. The minimum term is 3 years.

    In Sovcombank, 5 deposits are available for individuals with different interest rates.

    The highest available percentage to date is 8.65%.

    An important condition: only holva cardholders can get the maximum interest rate on the deposit. It is not enough just to open it, you need to pay with plastic for purchases in the amount of at least 5,000 rubles per month.

    Sovcombank's deposits for today - interest

    1. Contribution "Permanent income"

    This is a Deposit with monthly interest payments.

    On the day of opening the deposit agreement, if the Depositor has not deposited funds into the deposit account, the Bank shall credit an amount of 0.1 rubles to the deposit account as a bonus. In case of non-receipt on the deposit within 10 calendar days from the moment of opening the deposit, funds in the amount of 30,000 rubles, the Bonus in the amount of 0.1 Russian rubles will be returned to the Bank, the Deposit Agreement will be terminated.

    Sovcombank opens a special card, money can be sent there or to any existing account.

    • No deposits or partial withdrawals are provided.
    • An additional payment is possible no later than 10 days.

    Basic conditions for the Permanent income deposit:

    1. Minimum deposit amount- 30,000 rubles (you can deposit funds within 10 days).
    2. Minimum deposit amount- 1000 rubles. During the term of the contract, the sum of all additional contributions cannot exceed the initial amount deposited within 10 calendar days from the date of opening the deposit. Both cash and non-cash methods of replenishment are possible.
    3. Interest accrual
    4. Interest payment- Accrued interest is paid monthly on the date corresponding to the date of opening or prolongation of the deposit, as well as on the date of the end of the term of the deposit by transferring to a bank account for settlements of individuals. A "Halva" card is issued to the bank account for settlements of individuals.
    5. Interest paymentin case of early withdrawal of the deposit (in full or in part) – Interest is paid based on the interest rate set by the Bank on demand deposits at the time the deposit is called up. If during an incomplete term on the deposit, interest was paid to a bank account for settlements of individuals, the difference between the amount paid and the amount payable is reimbursed from the deposit amount.

    2. "Convenient" deposit

    A deposit with a choice of term and with a good interest rate.

    There are also no replenishments and withdrawals, interest is credited in fact at the end of the term. But the early termination of the deposit is possible, then the interest is recalculated on the minimum deposit "Until demand" (very low interest!)

    Rate for deposits in Russian rubles:

    • Interest payment- Interest is paid upon the expiration of the term of the deposit to the bank account for settlements of individuals, to which the Halva card is issued.
    • Interest accrual- Interest accrual starts from the day following the day of making the corresponding amount of the deposit, until the day of its return to the Depositor, inclusive, and if it was debited from the deposit account for other reasons, then until the day of debiting, inclusive.

    3. Contribution "Automotive"

    Contribution for Clients who are planning to purchase a car.

    This refillable deposit is for individuals planning to purchase a car. It opens upon presentation of a driver's license or STS (PTS) for the car.

    When using funds from a deposit to buy a car from Sovcombank partners, the interest rate on the deposit increases by 1% per annum starting from the 7th month. The rate increases upon the provision of documents confirming the fact of purchasing a car from Sovcombank partners.

    Rate for deposits in Russian rubles:

    The rate increases from 7 months (181 days) upon submission of documents confirming the purchase of a car from Sovcombank partners.

    • Interest payment- Interest is paid upon the expiration of the term of the deposit to the current bank account to which the Halva card is issued.
    • Disbursement of funds- Not provided within 6 months. (180 days) from the date of opening. Starting from the 7th month (181 days), spending is allowed, provided that the amount of the deposit account balance must not be less than 1 ruble.

    4.Maximum income - up to 8.65%

    A deposit for those who want to get the maximum income from funds deposited with the bank by a certain date.

    Rate for deposits in Russian rubles:

    It does not provide for expense or income transactions, and interest is charged after the expiration of the contract.

    Additional replenishment is possible within 10 days, but not more than the amount of the initial payment.

    • Minimum deposit amount- 50,000 rubles (you can deposit funds within 10 days)
    • Interest payment A “Halva” card is issued to the bank account for settlements of individuals.
    • Prolongation of deposit- Provided on the terms and at the interest rate in force in the Bank on the date of renewal. The prolongation of the deposit is terminated after the Bank makes a relevant decision. In this case, the amount of the deposit is transferred to a bank account for settlements of individuals.

    5.Maximum income with Halva (up to 8.65% per annum)

    Make at least 5 purchases of "Halva" in the amount of 10,000 rubles or more in any shops, including those not included in the list of partners, and your deposit rate will increase by 1% per annum (at the end of the term). Condition: purchases for the above amount must be made monthly, during the period of the deposit, no overdue debt on "Halva". The entire amount of interest (including "additional" %%) is paid at the end of the term of the deposit.

    Rate for deposits in Russian rubles:

    Partial withdrawal- Not provided.

    6. Contribution "Record Percentage"

    In this deposit, Sovcombank offers increased rates and terms.

    • Minimum deposit amount- 50,000 rubles (you can deposit funds within 10 days from 1,000.00 rubles in cash and by bank transfer).
    • Additional contributions- Not accepted after 10 calendar days from the date of opening or renewal of the contract.
    • Interest accrual- The accrual of interest starts from the day following the day of making the corresponding amount of the deposit, until the day of its return, if the account is debited on other grounds, then until the day of debiting inclusive.

    Rate for deposits in Russian rubles:

    • Interest payment- interest is paid upon the expiration of the term of the deposit to the Halva card.
    • Interest payment in case of early withdrawal of the deposit(in full or in part) -interest is paid based on the interest rate set by the Bank on demand deposits at the time the deposit is called up.
    • Disbursement of funds- No.

    7. Deposit "Free"

    A deposit with monthly interest capitalization and the possibility of early termination at ½ of the rate!

    Conditions:

    Minimum deposit amount 1,000,000 rubles (to deposit funds on the day of opening the deposit agreement).
    Maximum deposit amount No limit.
    Additional contributions From 5000 rubles. Accepted in cash and by bank transfer. Acceptance of additional contributions is terminated 30 calendar days before the end of the term of the deposit.
    Disbursement of funds It is possible to withdraw funds up to the limit of the minimum balance.
    Interest accrual The accrual of interest starts from the day following the day of making the corresponding amount of the deposit, until the day of its return.
    Interest payment Interest is paid during the term of the deposit agreement: monthly on the date corresponding to the date (date) of the account opening, from which the renewal period begins, as well as on the expiration date of the deposit term.
    Accrual of interest to the amount of the deposit Accrued interest is monthly added to the amount of the deposit (increase the amount of the deposit), on which interest is accrued.

    Terms and rates of the "Free" deposit

    Rates for deposits in US dollars (% per annum)

    Term in months (in days) Rate,% per annum
    25 000 200 000 500 000
    3 months (91 days) 1,60% 1,70% 1,80%
    6 months (181 days) 2,00% 2,10% 2,20%
    9 months (271 days) 2,20% 2,30% 2,40%
    12 months (365 days) 2,50% 2,60% 2,70%

    Rates for deposits in euros (% per annum)

    Term in months (in days) Rate,% per annum
    minimum amount, minimum balance
    25 000 200 000 500 000
    3 months (91 days) 0,30% 0,40% 0,50%
    6 months (181 days) 0,40% 0,50% 0,60%
    9 months (271 days) 0,50% 0,60% 0,70%
    12 months (365 days) 0,60% 0,70% 0,80%

    Important points

    1. All deposits placed with Sovcombank are insured with the DIA.
    2. It is possible to terminate the contract ahead of schedule for all programs, while keeping the accrued interest, none of them will work.
    3. The minimum investment period is 31 days. You can get the highest interest only with a deposit open for a period of 1095 days.

    How to open a deposit in Sovcombank

    You can issue Sovcombank deposits for individuals in branches or via the Internet.

    In the department

    If you are not yet registered in Sovcombank's Internet bank, you will have to visit a bank branch.

    • Contact any of the nearest Sovcombank offices. You must have a Russian passport with you.
    • The teller will help fill out the necessary documents.
    • Deposit money into your account.
    • The contribution is open!

    In the Internet bank sovcombank.ru

    If you are already registered in Sovcombank's Internet bank, then you can open a deposit without leaving your home.

    • Log in to the Internet bank sovcombank.ru using your login
    • In the menu, select "Open Deposit".
    • Select a suitable contribution using the filter, or select an option from the list provided.
    • Read the terms and conditions.
    • Fill out the short form, indicating the amount of the deposit in the "I want to deposit" field. If you want to transfer funds from another bank, then in the field “Write off from the account” select the item “top up the deposit later”.
    • Confirm the operation with SMS.

    Find out more about interest rates and terms of deposits on the website or by phone: 8-800-200-66-96 (call within Russia is free).

    Special conditions for pensioners

    Sovcombank does not offer deposits especially for pensioners. They can use any of the deposits valid at the time of circulation.

    Bank deposits in foreign currency

    There are also deposits that are opened in US dollars and Euros. Foreign currency deposits are not opened in all branches and offices, so check by phone 8-800-200-66-96 about a specific office in your city.

    On this moment such contributions:

    1. Deposit "Maximum income"
    2. Contribution "Permanent income"
    3. Convenient deposit

    1. "Maximum income" in foreign currency

    • Additional contributions- not accepted.
    • Disbursement of funds- not provided.
    • Interest accrual- accrual of interest starts from the day following the day of making the corresponding amount of the deposit, until the day of its return
    • Interest payment- interest is paid upon the expiration of the term of the deposit to a bank account for settlements of individuals.

    2. "Constant income" in foreign currency

    Deposit with monthly interest payments.

    Rates for deposits in US dollars (% per annum):

    Rates for deposits in euros (% per annum):

    • Additional contributions- accepted in cash and by bank transfer, in an amount not exceeding the initial amount of the deposit.
      from 100 dollars from 100 euros
    • Disbursement of funds- No.

    3. “Convenient” in currency

    Convenient choice of term with an excellent rate!

    Rates for deposits in US dollars (% per annum):

    Rates for deposits in euros:

    Conditions:

    • Additional contributions- accepted in cash and by bank transfer, in an amount not exceeding the initial deposit amount (from 100 dollars, from 100 euros).
    • Disbursement of funds- No
    • Interest payment- interest is paid upon the expiration of the term of the deposit to a bank account for settlements of individuals.

    Now you have full information on foreign currency and ruble deposits and their terms with interest rates.

    The line of Sovcombank deposits for individuals includes 12 programs. The profitability of placing funds in Sovcombank reaches 8.8%. By placing money in bank deposit accounts. Now let's take a closer look at the deposits that Sovcombank offers in 2019.

    "Record percentage"

    This deposit offers the highest rate at Sovcombank. Depending on the term, the annual rate will be set at 7.3-7.8%, and for payments with the Halva card it will reach 8.3-8.8%. The rest of the conditions are as follows:

    • the minimum amount is 50,000 rubles (you can deposit the amount within 10 days);
    • term - 2 months, 6 months and 1 year;
    • replenishment - not provided after 10 days from the date of opening;
    • interest payment - upon closing the deposit (in case of early termination of the agreement, recalculation at the rate "On demand").
    • spending of funds - no;
    • automatic prolongation - yes.

    To get the maximum bet, you must fulfill the conditions for the Halva card. Have no debts, make at least 5 purchases in the amount of 10,000 rubles or more for each reporting month during the entire period of keeping money in Sovcombank. For wealthy clients, another bonus is also provided - an increase in per annum by 0.1%, if an amount of more than 10 million rubles is deposited within the first 10 days.

    "Automotive"

    A deposit is opened upon presentation of a driver's license or STS (PTS) for an already owned vehicle. The funds from the deposit can be used from the 7th month to buy a new car with a subsequent increase in the rate by 1%. The main thing is to choose a partner company of the bank as a dealer.

    Auto deposit conditions:

    • rate - 6.6% (if a car is purchased from partner dealers, the rate will increase to 7.6%);
    • term - 12 months;
    • the minimum amount is 30,000 rubles;
    • replenishment - from 1000 rubles throughout the entire period;
    • spending of savings - only from 181 days with a minimum balance of 1 ruble.

    Interest is paid at the end of the term, and in case of early termination of the agreement, the rate is reduced to interest on the demand deposit. Here, you can also increase the annual interest by 0.1% if you deposit more than 10 million rubles within the first 10 days.

    "Maximum income"

    This program assumes the highest possible yield in Sovcombank, which can reach 8.65% per annum. This is a classic option for placing a deposit, when the client deposits funds and withdraws at the end of the contract.

    Specifications:

    • the minimum amount for opening a deposit account is 50,000 rubles;
    • interest is paid only at the end of the term of the agreement for the placement of funds;
    • partial withdrawal of money by the program is not provided;
    • placement for 31-1095 days;
    • the general rate is 6.1-7.65%, and subject to the conditions of regular circulation on the Halva card, it will be 7.1-8.65%.

    "Maximum income in foreign currency"

    Under the Maximum Income program, you can open a deposit in dollars or euros. Only the currency is changed, and the rest of the deposit options remain the same:

    Characteristics of a foreign currency deposit:

    • the minimum amount for placement is 500 euros / dollars;
    • replenishment and partial withdrawal are not provided;
    • interest is paid at the end of the investment period;
    • the contract is concluded for 91-1095 days;
    • when opening a deposit in US dollars, the rate will be - from 1.2% to 3.5% per annum;
    • if you open an account in euros, the rate will be 0.2-1.5% per annum.

    "Comfortable"

    The offer makes it possible to choose a convenient term for the deposit, while the rate will remain high and profitable. The depositors will also be pleased with the possibility of replenishing the deposit.

    Specifications:

    • minimum amount - 50,000 rubles;
    • term - 31–90, 91–180, 181–270, 271–365, 730 or 1095 months;
    • rate - from 6% to 7.55% depending on the selected period. If the conditions for the Halva card are met, the annual increases by 1%;
    • replenishment - from 1000 rubles. an unlimited number of times within the entire period, but not more than the amount deposited in the first 10 days from the moment the line was opened;
    • withdrawal or spending of funds is not provided;
    • interest is calculated at the end of the program, and in case of early demand, based on the rate on the demand deposit.

    "Convenient - foreign exchange deposit"

    Similar opportunities are offered when opening a foreign currency deposit. The minimum amount will be 500 dollars or euros, and the term for the placement of funds is 91-1095 days. The interest rate depends on the term and size of the minimum balance and is 1.1–3.4% for the dollar, and 0.1–1.4% for the euro.

    Replenishment is allowed by installments of 100 conventional units. No funds will be spent.

    "Free"

    A deposit with monthly interest capitalization and the possibility of early closing while maintaining a high rate of half of the initial value. In addition, free replenishment and withdrawal are allowed on the deposit.

    Detailed characteristics:

    • term - 3, 6 and 12 months;
    • minimum amount and minimum balance - 1 million rubles. (money is deposited immediately);
    • maximum amount - not limited;
    • interest rate - 6-6.4%;
    • replenishment - from 5000 rubles. throughout the entire validity period, except for the last 30 days;
    • withdrawal - to an irreducible balance.

    Interest is paid at the end of the term. In case of early closing of the deposit, the interest is recalculated under special conditions. So, when the deposit is valid for more than half of the term, interest is paid at half the rate, otherwise, according to the parameters "On demand".

    "Free - foreign exchange deposit"

    Currency type of the "Free" deposit. Interest capitalization and the possibility of early termination at a half rate remains, only a few parameters change:

    • currency - euro or dollar;
    • term - 91–365 days;
    • annual rates - 1.6-2.7% for dollars and 0.3-0.8% for euros;
    • the minimum amount is $ 25,000 / euro;
    • maximum amount - 5 million dollars / euro;
    • replenishment - from 100 dollars / euro with termination of contributions up to 30 calendar days before closing the deposit.

    "Fixed income"

    The main feature of the deposit is the ability to receive accrued interest on a monthly basis for the free use of the proceeds. Funds are transferred to an open account, which, if desired, are allowed to be deposited again. Partial withdrawal is not provided, as well as early withdrawal with the preservation of the original rate.

    Deposit characteristics:

    • term - from 31 to 1095 days;
    • interest rate - from 5.8% to 7.7% (the maximum annual rate is set if the conditions for the Halva card are met);
    • the minimum amount is 30,000 rubles. (enter within 10 days);
    • replenishment - from 1000 rubles, but in aggregate not exceeding the amount deposited during the first 10 days.

    "Permanent income - foreign exchange deposit"

    Monthly interest payments are also available for foreign currency depositors. The proceeds are transferred to the individual's account on each reporting day of the month. Replenishment is allowed, but without exceeding the originally deposited amount and with a minimum deposit of $ 100 / euro.

    You can open a deposit with a minimum amount of $ 500 or € 500-2000. The term is selected within 91-1095 days. The interest rate for the dollar deposit will be 1–3.1%, and for the euro - 0.1–1.2%. In case of early closing, annual interest is calculated according to the demand program.

    "Interest on interest"

    Deposit with the stipulated capitalization. Upon capitalization, the interest accrued in the specified period is added to the principal amount of the deposit. In the subsequent period, interest is charged on a larger amount, the yield becomes higher.

    Specifications:

    • you can open an account with a minimum amount of 30,000 rubles;
    • the possibility of replenishing the account with amounts of 1000 rubles;
    • payment of interest on a monthly basis with their subsequent capitalization;
    • partial withdrawal of funds is not provided, except for the amount of interest accrued to the deposit;
    • early termination of the agreement without loss of interest every 12 months after opening an account;
    • placement of money for 31-1095 days, rates - 6.1-7.65%.

    "Always at hand" deposit

    One more currency deposit with free replenishment. It involves the placement of funds for 365-730 days, the yield in dollars and euros will be 0.5% per annum. Partial cashing of a deposit account is allowed, but with a minimum balance equal to the minimum deposit amount - 5000 conventional units.

    How to open a deposit in Sovcombank

    Citizens of the Russian Federation who have reached the age of 14 can open a deposit account with Sovcombank. Foreign citizens and stateless persons can also conclude an agreement in some bank offices. The client needs a passport and an amount of 30,000 rubles or more, which is immediately sent to the account being opened.

    You can send an application for opening a deposit online using Sovcombank's Internet bank. If you choose this option for opening an account, the profitability of placing money will be higher, the bank will increase the rate by 0.3 percentage points. The service is available only for existing Sovcombank clients with access to the online bank.