Fixed Term Deposits

A convenient and reliable way of saving

  • Competitive interest rates for deposits in EUR, USD, GBP and RUB 
  • Flexible terms for depositing and withdrawing funds within the limits set by the Bank
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The Bank offers several standard deposit solutions

The Escalator fixed deposit is a special product for individuals, with two (2) years maturity, offering an attractive long term interest rate, while allowing the depositor to terminate it, if needed, 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, 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.

The Escalator deposit can be placed either as a single or a joint account.

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The Investor fixed term deposit offers the highest interest rate out of all of the Bank’s deposit schemes where the depositor has the option to choose the duration of the deposit as well as its currency between 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, the currency and the term. The interest is paid upon the maturity of the deposit into the depositor's current account. For deposits with an 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.

The Investor deposit can be placed either as a single or a joint account.

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The Top Up fixed term deposit allows to add funds to a deposit account, accumulate savings and receive a stable income due to regular interest payments.

The deposit can be placed only 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.

The «Top Up» deposit can be placed either as a single or a joint account.

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The Gradual Rate fixed term deposit is available in USD and GBP for one (1) year term and allows early termination of the deposit. 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.

The Gradual Rate deposit can be placed either as a single or a joint account.

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The Flexibility fixed term deposit enables a client to withdraw or add 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 EUR/USD/GBP or 30.000.000 RUB and the agreed minimum balance can never be for an amount lower than 20.000 EUR, 25.000 USD/GBP or 1.000.000 RUB.

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 20.000 EUR, 25.000 USD/GBP or 1.000.000 RUB. A Flexibility deposit can be placed either as a single or a joint account. For individuals, it is available only within RCB Gold package.

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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.