Many of us have thought about postponing funds for the "black" day, but how to do it correctly?Money should work, so keep them at home with your favorite pillow is inappropriate.Most advantageous to put free money for a deposit at high interest rates.And then there is a problem, and even the two: in the modern realities of middle-income person to carve out of its meager budget a little money?And to whom they give for safekeeping and multiplication, because many financial institutions, and they all beckon with promises of beautiful and colorful signs?
Benefits "PrivatBank" to other banks
older generation have already learned a bitter experience, when all their savings in one day turned to dust, so today various baits, many financial institutions are wary and distrustful.However, to have a means for emergency always necessary.Of course, most people live paycheck to paycheck, some even mired in the credits, but it indicates only the financial illiteracy of the people.It is always possible to allocate at least a small part of the money, such as giving up a new dress or extra pack of cigarettes.
However, trust their money only need a proven and reliable bank, so you do not worry about the financial problems of their respective owners.Among the Ukrainian financial institutions leading position is "Privatbank".Services at a decent level, working for 22 years, provides a wealth of relevant and profitable banking products, has offices abroad, pleases a wide network of ATMs throughout the country.
How to become a client of "Privatbank"?
To join a large and friendly family is very simple, it needs to become the owner of any bank card."Privatbank" (Ukraine) to open a credit card account issues, retirement, payroll, payment card.Each customer has a service accumulation funds."Piggy bank" can be connected in the office and an ATM or self-service terminal.Internet users even easier: they should register in the system of electronic bank "Privat-24" and already there to open a deposit, set the size of monthly payments.
Opening the deposit "Money Box"?
With a debit card the service "piggy bank.""PrivatBank" opens a deposit for one year and more.Accumulating funds only in UAH, but pleases the annual interest rate is 16%.A year later the customer can pick up the deposit;if funds are not withdrawn, the service is automatically renewed for another year.Interest is paid only 12 months, ie at the end of the contract.If the deposit is in the bank, they are added in terms of money to the deposit amount.Thus, there is interest capitalization.
main ways to fund the deposit
Many clients are interested in questions of how to withdraw money from the "piggy bank", "Privatbank" and how to make them.The financial institution, trying to please everyone, provided several ways to replenish the deposit:
- can save for replenishing "piggy bank" change from purchases.To do this, select the method of rounding to spend up to 1, 10 or 100 UAH.For example, the calculation, salary or pension card (pre-connected to the service), the client pays for the purchase of 286 UAH.If you select rounding up to 10 UAH., Then the deposit will be credited with 4 USD.(from the card will be written off 290 UAH.);and if up to 100 - with a map will take 300 UAH., and 14 UAH.take "piggy bank."
- «Privatbank 24" may also be involved in the storage process.You can choose how to enroll a certain amount of money for a "piggy bank" after each debit transaction.If a payment card is removed or credited to any amount that is transferred to the deposit of the funds, the rate may be both fixed and interest.
- You can set a fixed amount, which is a specific day each month will be transferred to the "piggy bank."For example, a person receives a salary of 2, the same day will be credited 200 USD.deposit.
control means
«Privatbank" pleases its transparency: the customer can at any time check the balance of the deposit, get a statement savings funds.There are several ways to do this:
- directly at the branch, self-service terminal or ATM.
- Get detailed report can be, and in the "Privat-24" or with the help of mobile phone applications.
- Connect SMS-banking, to receive messages using the extract and the balance on your mobile phone.
How to withdraw money from the "piggy bank", "Privatbank"?
Pick up means the most profitable after the expiry of the contract, that is, exactly one year after the discovery of the deposit.For example, the contribution was registered on 12 July 2013, therefore, the accumulated money, together with interest can be obtained July 12, 2014.July 13 agreement will be automatically extended for another year.Collect money is very simple.What are the options offers its depositors "PrivatBank"?"Piggy" (you can withdraw the money in cash and non-cash) is emptied as follows:
- using mobile applications.
- A self-service terminal.
- Once logged in "piggy bank."
- visiting system "Privat-24."
- calling the operator by phone 3700.
- asked the representative of the bank at any branch.
So, how to withdraw money from the "piggy bank", "Privatbank", while not particularly bothering?In the first four cases should go to the section "My Deposits» → «Piggy."Then enter your phone number and wait for SMS-message with a password.After entering, you can view the entire report on the deposit.To pick up a contribution, you must enter a certain amount, and click on the "Withdraw", after which funds credited to "fix" the card.
How to withdraw money from the "piggy bank", "Privatbank" in the latter two cases?To do this with a need to have a passport to an employee could identify the client.The manager prepares the application and makes the specified electronic transfer card.
Can I pick up a deposit in advance?
If you need a deposit with complete freedom of action, the answer is one - "Privatbank", "piggy bank."You can withdraw money at any time, even before the expiry of the contract.Of course, in this case, the interest will be paid out in full, but only partially.Depending on the term of the deposit, the amount is multiplied by a certain factor:
- up to 3 months - 0.33;
- up to six months - 0.5;
- to 12 months - 0.67;
- a year - 1.
Most advantageous to take the contribution of 12 months, then they will be paid all accrued but unforeseen circumstances none of us is immune, and are very pleased that the bank takes this into account and goes to meet clients.Postponing a man can, even with low incomes, the main thing - to want.
