Secure saving products for your business on competitive terms
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Fixed term deposits in various currencies on flexible terms

The Investor fixed term deposit offers a client the highest interest rate out of all of the Bank’s deposit schemes for various durations in EUR, USD, GBP and RUB.

The term of the «Investor» deposit can be set between six (6) months and three (3) years. The interest rate depends on the amount to be placed, the currency and the term. The interest is paid upon the maturity of the deposit into the depositor's current account. For the deposits with eighteen (18) month term and over, the interest can be paid optionally at each anniversary.

The minimum amount which can be deposited is 20.000 EUR, 25.000 USD/GBP or 1.000.000 RUB. This scheme does not allow the partial withdrawal or the addition of funds within the duration of the deposit.

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investor

The Gradual Rate fixed term deposit is available for one (1) year term in USD and GBP and allows early termination of the deposit before its maturity. In the case where the deposit is terminated in three (3), six (6) or nine (9) months from the deposit start date, the client will earn 15%, 45% or 70% respectively of the current annual interest rate of this deposit.

The minimum amount which can be deposited is 25.000 USD/GBP. Interest is paid upon the maturity of the deposit into the client’s current account.

This scheme does not allow the partial withdrawal or the addition of funds within the duration of the deposit.

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gradual-rate

The Flexibility fixed term deposit allows the withdrawal or addition of funds within a minimum and maximum balance range. Under this scheme, a client agrees upon a minimum balance of the deposit with the Bank. The maximum balance will always be the minimum balance multiplied by 2,5. The maximum balance can never be above 5.000.000 USD/GBP or 30.000.000 RUB and the agreed minimum balance can never be for an amount lower than 25.000 USD/GBP or 1.000.000 RUB.

Interest is paid on a monthly or quarterly basis and is transferred to the depositor’s current account. The term of a Flexibility deposit can be set to one (1), two (2) or three (3) years. The minimum amount which can be deposited is 25.000 USD/GBP or 1.000.000 RUB.

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flexibility

The Top Up fixed term deposit allows the addition of funds to a deposit account within its duration, accumulate savings and to receive a stable income in the form of regular interest payments.

The deposit can be placed in EUR for a term between one (1) and three (3) years. Interest is paid into the depositor’s current account on a monthly or quarterly basis.

The minimum amount which can be deposited is 20.000 EUR, whereas the minimum top up amount is 5.000 EUR. This scheme does not allow the partial withdrawal of funds within the duration of the deposit.

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The Escalator fixed deposit is a special product, with twenty-four (24) months maturity, offering an attractive long term interest rate, while allowing the depositor to terminate it at the end of any quarter without penalty.

The interest is paid quarterly on the depositor’s current account. If the deposit is not terminated, the interest rate increases. The longer the deposit is kept, the higher is the interest earned.

Minimum deposit amount is 100.000 EUR, whereas the maximum deposit amount is 5.000.000 EUR. The partial withdrawal or the addition of funds within the duration of the deposit is not allowed.

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escalator
RCB Notice Accounts (35 Days / 90 Days)

An interest bearing savings account. It allows you to enjoy attractive interest rates for short term savings. Withdrawals are permitted free of charge after a 35 or 90-day notice depending on the chosen account type.

RCB Notice Account is offered to all clients of the Bank in four major currencies (EUR/USD/GBP/RUB). The minimum amount which must be deposited upon opening is 1.000 EUR/GBP, 100.000 USD or 70.000 RUB for 35 days and 1.000 EUR/USD/GBP or 70.000 RUB for 90 days. After opening with the minimum amount, the balance of the account can vary upwards or downwards without any limit. The interest earned on the account will be credited in the Notice Account every month.

Deposits into the Notice Account are allowed in the form of transfers from the client’s current account. For any withdrawals from the account, a 35 or 90 days written notice must be given to the Bank, depending on the type of notice account held. Each notice for withdrawal is valid for seven (7) calendar days after the declared withdrawal date. Withdrawal amount will be transferred to the depositor’s current account.

RCB Notice Account cannot be used as a payments account meaning direct debits, bank cards and cheque books cannot be linked to the account.

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Deposit Guarantee and Resolution of Credit and Other Institutions Scheme

RCB Bank Ltd participates in the Deposit Guarantee and Resolution of Credit and Other Institutions Scheme, established under the Law on the Deposit Guarantee and Resolution of Credit and Other Institutions Scheme of 2016 and the Deposit Guarantee and Resolution of Credit and Other Institutions Scheme Regulations of 2016.

The Deposit Guarantee and Resolution of Credit and Other Institutions Scheme covers deposits denominated in all currencies.

The maximum level of compensation, per depositor and per bank, is 100.000 EUR or equivalent. This limit applies to the aggregate of a depositor’s deposits with the same bank. For the purposes of calculating the compensation payable to each depositor, the amounts of each depositor’s existing deposits will be set off against any loans or other credit facilities granted by the Bank to the depositor, as well as any other counterclaim of the Bank in respect of which a right to set off exists.