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Three currencies
in one deposit
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Product Description
Product Terms and Conditions
Interest Rates

Product description

When the ruble is unstable and daily changing, it is difficult to predict the further situation. How to keep your savings efficiently? What foreign currency to choose for a deposit? B&NBANK can offer an efficient solution.

MULTICURRENCY deposit will let you hold your money in any of three currencies (rubles, dollars and euros) simultaneously. And more, you will be able to transfer your funds from one currency in another as often as you need.


Your income increases due to two following factors: deposit interests and exchange rate fluctuations. Within the deposit, three accounts – in rubles, dollars and euros, with their own interest rates – will be available to you immediately. And it is you who decides how to allocate your investments – depending on rates changes.

No need to visit a branch to convert your funds from one currency to another. All transactions, as well as any information on your account, will be available 24/7 in BINBANK-online.

Your deposit can be opened in three currencies:

1 – RUB, 2 – USD, 3 – EUR.

Deposit minimum amount:

30,000 in total (in equivalent, at the exchange rate on the deposit opening day).

Account replenishment:

Ends 30 days prior to the deposit contract expiration, in a minimum amount of 1,000 rubles, 50 euros or 50 USD for one operation.


Carried out within the deposit accounts, without any commissions and restrictions.

Conversion rate:

At the B&NBANK exchange rate on the transaction day.

Product Terms and Conditions
Deposit currency: Rubles / US dollars / Euro
Minimum amount of deposit: Эквивалент 30 000 rubles
Minimum time of deposit: 181 days
Additional fees: Possible. Not less than 1 000 rub / 50 US dollars / 50 Euro. Supplementary inpayments are not provided for 45 days prior to the contract expiry date.
Interest payment frequency: None
Frequency of interest payments: By the end of the deposit.
Automatic prolongation at the end of deposit time: For the same time period at the Bank rate for the “Multicurrency” Deposit as of the prolongation date.
Redemption of deposit: At the end of the deposit term in cash or cashless form in accordance with Bank tariffs valid as of the redemption date.
Early termination of deposit: 0,001 %
Other conditions: Attention!These terms and conditions of the deposit “Multicurrency” act in offices in the cities BIN: Aginskoe, Barnaul, Yekaterinburg, Ivanovo, Izhevsk, Irkutsk, Yoshkar-Ola, Kazan, Kostroma, Moscow, Nizhny Novgorod, Novosibirsk, Omsk, Orekhovo, Perm, Samara, St. Petersburg, Saratov, Stavropol, Tolyatti, Tomsk, Tyumen, Ulan-Ude, Ulyanovsk, Chelyabinsk, Yaroslavl.
Interest Rates
Term placements
181 367 730
RUB 7.55%7.35%6.55%
Dollar USA 0.45%0.95%1.20%
Euro 0.05%0.10%0.20%

All deposits are insured

The order size and conditions established by the Federal Law "On insuring individuals
in the Russian Federation"
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