Deposit "Universal"


Deposit currency
AZN/USD/RUB
Minimum deposit amount
100 AZN/USD/5 000 RUB
Deposit term
3, 6,12,24 months
Interest rate
up to 15%
Accrual and payment of interest
Interest are accrued daily on 360/30-day basis,no capitalization of interest accrued
Transfer of accrued interest – monthly 
Deposit replenishment
Allowed within the first half of deposit period. Minimum amount of replenishment 50 AZN/USD/ RUB
Early termination of the agreement and deposit account closing
1. In case of deposit termination prior to 3 months from the deposit start date no interest is paid. 
2. In case of termination of the agreement after 3 months bank deducts 50% from interest accrued on the current date.
Our bonuses
Deposit plastic card issued free
Free SMS Notification Service
Interest accrual
Payment of interest accrued on current account or the card account according to the client´s wish
 Automatic prolongation  Provided (no more than once)

Interest rates table
  
 Term of deposit placement  (in months)           

                                               
                                                                  Annual interest rate
                                                (Payment of interest on the monthly basis)                                            
                                                                    
                      AZN  
                   
                  USD            
             
                      RUB
               
                         3

                  
                      3%
 
                     -
                    
                          -
           
                         6

                   
                    4,5%
 
                    0,2% 
 
                           -
                 
                        12

                
                     8%           
 

                   0,5%
             
   
                               2,5%          
               
                        24
 
                    7,5%

 
                   0,5%
 
                               3,5%

* According to conditions of the Azerbaijan Deposit Insurance Fund, the maximum interest rate on the insured foreign currency deposits constitutes 3%, in national currency – 15%.