Post Bank introduces a top ten deposit program aimed at retirees and low‑income customers
The bank announced a new set of top ten deposits designed to appeal to pensioners and those with limited income. The basic annual rate starts at 6 percent, with potential boosts that can raise the rate to 10 percent per year. An extra 2 percent is earned when customers make bank card purchases totaling 10,000 rubles or more each month, and another 2 percent is awarded for transferring pensions to Post Bank for the first time.
The deposit is available for a term of nine months. Salary deposits can be replenished from pensions or other income sources. Interest accrues monthly and is credited to the current account, allowing the savings to grow on an ongoing basis rather than waiting until maturity.
According to the bank’s press service, the new contribution is intended to benefit a wide range of clients, with particular relevance for retirees and individuals with modest incomes. To simplify savings management, customers have the option to renew the deposit at any point during the nine months and to receive interest monthly rather than at the end of the term. This approach is described as a way to maximize the immediate benefits of the deposit offerings.
Gennady Chausov, head of the Post Bank Debt and Commission Products Service, emphasized the practical value of the program. He noted that the structure of the deposit helps people build a financial cushion for unexpected expenses, a habit especially useful for retirees and others who rely primarily on a pension as their income. The plan is designed to provide a reliable mechanism for growing savings while offering flexible renewal options throughout the term.
Experts point out that monthly interest credit can improve cash flow for households facing irregular or limited income. The program is described as a straightforward way to convert savings into steady monthly gains, a feature that resonates with savers who want visible, recurring results rather than waiting for a lump sum at maturity. The deposit also accommodates ongoing contributions from various sources, making it accessible to a broad audience with different financial habits.
There is no fixed cap on the maximum deposit amount, but there is a practical limit: surcharges apply only to balances up to 1.5 million rubles. The deposit can be opened at all bank service points across Russia as well as through the Post Bank Online mobile application. The online platform provides a convenient avenue for customers to manage their deposits, monitor interest accrual, and complete renewal actions as needed.
Overall, the program appears to be designed to deliver predictable income through monthly interest while maintaining flexibility for users who wish to replenish and renew their investment. By combining a base rate with monthly bonuses tied to card activity and pension transfers, the offer seeks to reward regular saving and active account management. For many, this could become a stable component of their financial planning, offering both growth potential and practical accessibility in daily life.
As with any financial product, potential investors are advised to evaluate their own budget, anticipated monthly inflows, and long-term savings goals before subscribing to the top ten deposits. The plan’s emphasis on monthly interest, renewal options, and straightforward contribution rules makes it a candidate worth considering for those seeking a simple, transparent saving strategy that aligns with regular income patterns and predictable expenses.