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BSGV proposes deposit products, specially developed for Small Business and Medium Corporates:
Etalon Business/ Etalon Business S* and Optimal Business*.
Etalon Business/ Etalon Business S - Efficient instrument of liquidity management of your business.
Advantages:
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Possibility of deposit placement via both Sogecash/ Sogecash Net remote banking systems as well as in the Bank branches;
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Possibility of deposit replenishment without amount restriction;
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Possibility of daily deposit withdrawal up to minimum deposit amount;
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Daily interest accrual on funds' remainder with possibility of monthly withdrawal;
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Maximum deposit amount is not limited;
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2 options of interest transfer: to deposit account (capitalization), to current account in BSGV;
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Possibility of deposit early termination without change of interest rate.
Optimal Business
- Classic instrument for savings and income increase.
Advantages:
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Possibility of deposit placement via both Sogecash/ Sogecash Net remote banking systems as well as in the Bank branches;
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Simple and reliable tool of income receipt;
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Possibilities of interest payment: monthly or at the end of the term;
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Reduction of currency risks at the expense of funds' diversification and investment in 3 currencies: RUB, USD and EUR;
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Wide range of deposit terms: from 7 days to 12 months;
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2 options of interest transfer: to deposit account (capitalization), to current account in BSGV.
Main conditions:
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Conditions |
"Etalon Business S"
(Small business and
individual entrepreneurs) |
"Etalon Business"
(Medium Corporates)
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"Optimal Business" |
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Minimum deposit amount |
150 000 RUB |
150 000 RUB |
50 000 RUB
3000 USD, EUR
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Maximum deposit amount |
not limited |
not limited |
10 000 000 RUB,
300 000 USD, EUR
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Deposit currency |
RUB |
RUB |
RUB, USD, EUR
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Annual interest rate |
5% |
3,25% |
depending on term (see deposit rates' table)
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Deposit term |
1 year + 1 day
(early termination under first request) |
1 year + 1 day
(early termination under first request) |
1, 2, 3 weeks,
1, 2, 3, 6, 9, 12 months |
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Replenishment possibility |
yes, amount of replenishment is not limited |
yes, amount of replenishment is not limited |
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Partial withdrawal possibility |
yes, up to min deposit amount |
yes, up to min deposit amount |
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Interest payment |
monthly |
monthly |
monthly or at the end of the term |
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Early termination |
upon first request |
upon first request |
under Bank agreement (except IE)
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Interest rate in case of early termination |
5% |
3,25% |
0,01% |
Table of interest rates under deposit "Optimal Business"
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Currency
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7 days |
14 days |
21 days |
31 days |
61 days |
91 days |
181 days |
270 days |
365 days |
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RUB
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3,00% |
3,10% |
3,25% |
3,50% |
4,00% |
4,25% |
4,50% |
5,00% |
5,50% |
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USD
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0,10% |
0,15% |
0,15% |
0,20% |
0,25% |
0,30% |
0,35% |
0,50% |
0,60% |
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EUR
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0,10% |
0,15% |
0,25% |
0,30% |
0,35% |
0,40% |
0,55% |
0,75% |
0,95% |
* Current account in BSGV is necessary.
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| USD |
30,6858 |
| EUR |
39,2901 |
| GBP |
47,2500 |
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BSGV questionnaire |
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