INTEREST RATE BULLETIN OF CIBANK JSC FOR DEPOSITS AND ACCOUNTS APPLICABLE FOR INDIVIDUALS

Size: px

Start display at page:

Download "INTEREST RATE BULLETIN OF CIBANK JSC FOR DEPOSITS AND ACCOUNTS APPLICABLE FOR INDIVIDUALS"

Laura Randall
5 years ago
Views:

1 INTEREST RATE BULLETIN OF CIBANK JSC FOR DEPOSITS AND ACCOUNTS APPLICABLE FOR INDIVIDUALS In force as from

2 1. General interest rate terms and conditions 1.1. The interest rates which the CIBANK JSC accrues and pays on current, saving and deposit accounts are influenced by market interest rates of domestic and international markets and interest rate policy of the Bank. The annual interest rates for current, saving and deposit accounts are approved by the Bank s Management Board The Bank accrues and pays interest on accounts in the following foreign currencies: EUR, and CHF, but only when their amount exceeds one foreign currency unit The Bank accrues interest on current, saving and deposit accounts on a 360/360 basis, where a year is considered 360 days and a month is 30 days For current and saving deposits, the interest is accrued and paid at the end of each calendar year For deposit accounts, the interest is accrued and paid as agreed under the terms and conditions of the respective term deposit contract in advance, prior to the maturity date; on the maturity date; each interest period On blocked funds for utilization of an overdraft on a current account with an issued bank card, the Bank pays an interest depending on the type of the account on which the funds have been blocked If no debit operations are carried out on a savings deposit with differentiated interest accrual during the calendar year, an additional interest bonus is accrued. The bonus is added to the annual base interest rate, applicable in accordance with the daily account s, and the recalculation is made at the end of each calendar year (31.12). The Bank reports as a debit operation any reduction in the account, including automatic collection of amounts from the assets in the savings deposit for payable fees and commissions under this or any other bank account of the Holder, including those related to loan repayments For amounts above /foreign currency units, depending on the total amount of the client s funds with the Bank, the deposit term and amount, the interest rates can be negotiate up to 50% above those announced in the interest rate bulletin, and in this case the client concludes contract under individual conditions The Bank may unilaterally and independently change the interest rates on the different types of deposit accounts and it shall promptly notify its clients of any changes by placing them in prominent places in the banking halls or on the Bank s website The sums deposited by the holder and accepted by CIBANK JSC, regardless of their amount and currency, are guaranteed through the Bank s participation in the Deposit Insurance Fund in Bulgaria, up to incl. principal and accrued interest, under the Law on Bank Deposit Guarantee. 2. Interest rates on current and saving accounts: 2.1 Current account Minimum opening % EUR Equivalent of % Equivalent of % CHF Equivalent of % 2.2 Current account with an issued bank card Minimum opening according to the card type 0.10% EUR according to the card type 0.10% according to the card type 0.10% Interest rate for unauthorized overdraft on current account with an issued bank card in case the amount spent through the card exceeds the available amount the interest is due by the customer. Minimum opening - BIR in + 20% EUR - BIR in + 20% - BIR in + 20% Page 2 of 9

3 2.3 Saving Beneficial account Minimum accruing 500 EUR Balance at the end of Interest Day % % from % % % from % % % from % 2.4 Children s saving account DREAMS Minimum opening 100 EUR (in years) Base/ Low interest rate Interest bonus rate rate for early termination % 2.25% 5.25% 3.00% % 2.45% 5.45% 3.00% % 2.65% 5.65% 3.00% % 2.85% 5.85% 3.00% % 3.05% 6.05% 3.00% % 3.25% 6.25% 3.00% % 3.45% 6.45% 3.00% % 3.65% 6.65% 3.00% % 3.85% 6.85% 3.00% % 4.10% 7.10% 3.00% % 4.35% 7.35% 3.00% % 4.60% 7.60% 3.00% % 4.85% 7.85% 3.00% % 5.10% 8.10% 3.00% % 5.35% 8.35% 3.00% % 5.50% 8.50% 3.00% % 5.75% 8.75% 3.00% % 6.00% 9.00% 3.00% % 1.25% 4.25% 3.00% % 1.45% 4.45% 3.00% % 1.65% 4.65% 3.00% % 1.85% 4.85% 3.00% % 2.05% 5.05% 3.00% % 2.25% 5.25% 3.00% % 2.45% 5.45% 3.00% % 2.65% 5.65% 3.00% % 2.85% 5.85% 3.00% % 3.10% 6.10% 3.00% % 3.35% 6.35% 3.00% % 3.60% 6.60% 3.00% % 3.85% 6.85% 3.00% % 4.10% 7.10% 3.00% % 4.35% 7.35% 3.00% % 4.60% 7.60% 3.00% % 4.85% 7.85% 3.00% % 5.00% 8.00% 3.00% % 1.15% 2.90% 1.75% % 1.35% 3.10% 1.75% % 1.55% 3.30% 1.75% % 1.75% 3.50% 1.75% % 1.95% 3.70% 1.75% % 2.15% 3.90% 1.75% Page 3 of 9

4 7 1.75% 2.35% 4.10% 1.75% % 2.55% 4.30% 1.75% % 2.75% 4.50% 1.75% % 3.00% 4.75% 1.75% % 3.25% 5.00% 1.75% % 3.50% 5.25% 1.75% % 3.75% 5.50% 1.75% % 4.00% 5.75% 1.75% % 4.25% 6.00% 1.75% % 4.50% 6.25% 1.75% % 4.75% 6.50% 1.75% % 5.25% 7.00% 1.75% 3. Interest rates on deposit accounts 3.1 Eurodeposit Minimum opening 500 EUR Deposit amount from 500 to from from 500 to from from 500 to from month 0.60% 0.10% 3 months 1.10% 0.10% 6 months 1.75% 0.10% 2.10% 0.10% 1 month 0.65% 0.10% 3 months 1.15% 0.10% 6 months 1.80% 0.10% 2.15% 0.10% 1 month 0.45% 0.10% 3 months 0.95% 0.10% 6 months 1.40% 0.10% 1.75% 0.10% 1 month 0.50% 0.10% 3 months 1.00% 0.10% 6 months 1.45% 0.10% 1.80% 0.10% 1 month 0.25% 0.10% 3 months 0.40% 0.10% 6 months 0.85% 0.10% 1.10% 0.10% 1 month 0.30% 0.10% 3 months 0.45% 0.10% 6 months 0.90% 0.10% 1.15% 0.10% 3.2 TOP deposit + Minimum opening 1 month 0.50% 0.10% months 1.00% 0.10% 6 months 1.70% 0.10% 2.00% 0.10% 1 month 0.40% 0.10% EUR months 0.90% 0.10% 6 months 1.30% 0.10% 1.60% 0.10% month 0.20% 0.10% Page 4 of 9

5 3 months 0.30% 0.10% 6 months 0.80% 0.10% 1.00% 0.10% 3.3 deposit EXTRA Minimum opening EUR Deposit amount rate rate for early termination % 0.10% % 0.10% % 0.10% above % 0.10% % 0.10% % 0.10% % 0.10% above % 0.10% % 0.10% % 0.10% % 0.10% above % 0.10% 3.4. Virtual term deposit Minimum opening EUR Deposit amount Page 5 of 9 1 month 0.60% 0.10% from to months 1.10% 0.10% 6 months 1.75% 0.10% 2.10% 0.10% 1 month 0.65% 0.10% from to months 1.15% 0.10% 6 months 1.80% 0.10% 2.15% 0.10% 1 month 0.70% 0.10% from months 1.20% 0.10% 6 months 1.85% 0.10% 2.20% 0.10% 1 month 0.45% 0.10% from to months 0.95% 0.10% 6 months 1.40% 0.10% 1.75% 0.10% 1 month 0.50% 0.10% from to months 1.00% 0.10% 6 months 1.45% 0.10% 1.80% 0.10% 1 month 0.55% 0.10% from months 1.05% 0.10% 6 months 1.50% 0.10% 1.85% 0.10% 1 month 0.25% 0.10% from to months 0.40% 0.10% 6 months 0.85% 0.10% 1.10% 0.10% 1 month 0.30% 0.10% from to months 0.45% 0.10% 6 months 0.90% 0.10% 1.15% 0.10% from month 0.35% 0.10%

6 3 months 0.50% 0.10% 6 months 0.95% 0.10% 1.20% 0.10% 4. Products with terminated sale 4.1. deposit EURO Deposit amount EUR from 500 to from from 500 to from from 500 to from months 2.20% 0.10% 36 months 1.00% 0.10% 24 months 2.25% 0.10% 36 months 1.05% 0.10% 24 months 1.90% 0.10% 36 months 0.90% 0.10% 24 months 1.95% 0.10% 36 months 0.95% 0.10% 24 months 1.15% 0.10% 36 months 0.50% 0.10% 24 months 1.20% 0.10% 36 months 0.55% 0.10% 4.2. deposit EXTRA Deposit amount rate EUR % 0.10% % 0.10% 24 months % 0.10% % 0.10% % 0.10% % 0.10% 24 months % 0.10% % 0.10% % 0.10% % 0.10% 24 months % 0.10% % 0.10% 4.3. deposit ELITE Deposit amount EUR from to % 1.50% from % 1.50% from to % 0.50% from % 0.50% from to % 0.50% from % 0.50% Page 6 of 9

7 4.4. Attractive term deposit EUR Deposit amount above above above (Interest period) rate rate for early termination 1 st interest period 1.80% 0.10% 2 nd interest period 2.50% 1.00% 3 rd interest period 2.55% 1.50% 4 th interest period 2.60% 2.00% 1 st interest period 1.85% 0.10% 2 nd interest period 2.55% 1.00% 3 rd interest period 2.60% 1.50% 4 th interest period 2.65% 2.00% 1 st interest period 1.90% 0.10% 2 nd interest period 2.60% 1.00% 3 rd interest period 2.65% 1.50% 4 th interest period 2.70% 2.00% 1 st interest period 1.95% 0.10% 2 nd interest period 2.65% 1.00% 3 rd interest period 2.70% 1.50% 4 th interest period 2.75% 2.00% 1 st interest period 1.45% 0.10% 2 nd interest period 2.15% 0.50% 3 rd interest period 2.20% 1.00% 4 th interest period 2.25% 1.50% 1 st interest period 1.50% 0.10% 2 nd interest period 2.20% 0.50% 3 rd interest period 2.25% 1.00% 4 th interest period 2.30% 1.50% 1 st interest period 1.55% 2 nd interest period 2.25% 0.10% 0.50% 3 rd interest period 2.30% 1.00% 4 th interest period 2.35% 1.50% 1 st interest period 1.60% 0.10% 2 nd interest period 2.30% 0.50% 3 rd interest period 2.35% 1.00% 4 th interest period 2.40% 1.50% 1 st interest period 0.90% 0.10% 2 nd interest period 1.30% 0.50% 3 rd interest period 1.35% 0.60% 4 th interest period 1.40% 0.70% 1 st interest period 0.95% 0.10% 2 nd interest period 1.35% 0.50% 3 rd interest period 1.40% 0.60% 4 th interest period 1.45% 0.70% 1 st interest period 1.00% 0.10% 2 nd interest period 1.40% 0.50% 3 rd interest period 1.45% 0.60% 4 th interest period 1.50% 0.70% 1 st interest period 1.05% 0.10% 2 nd interest period 1.45% 0.50% 3 rd interest period 1.50% 0.60% 4 th interest period 1.55% 0.70% 4.5. Growing deposit + (Interest period) 1st month 1.00% 0.10% 2nd month 1.20% 0.10% Page 7 of 9

8 EUR 3rd month 1.40% 0.10% 4th month 2.80% 0.10% 5th month 2.90% 0.10% 6th month 3.00% 0.10% 7th month 3.10% 0.10% 8th month 3.20% 0.10% 9th month 3.30% 0.10% 10th month 3.40% 0.10% 11th month 3.50% 0.10% 12th month 3.60% 0.10% 1st month 0.90% 0.10% 2 nd month 1.10% 0.10% 3 rd month 1.30% 0.10% 4 th month 1.70% 0.10% 5 th month 1.80% 0.10% 6 th month 1.90% 0.10% 7 th month 1.90% 0.10% 8 th month 1.90% 0.10% 9 th month 1.90% 0.10% 10 th month 1.90% 0.10% 11 th month 1.90% 0.10% 12 th month 2.20% 0.10% 1 st month 0.50% 0.10% 2 nd month 0.60% 0.10% 3 rd month 0.70% 0.10% 4 th month 0.80% 0.10% 5 th month 0.90% 0.10% 6 th month 1.00% 0.10% 7 th month 1.05% 0.10% 8 th month 1.10% 0.10% 9 th month 1.15% 0.10% 10 th month 1.20% 0.10% 11 th month 1.20% 0.10% 12 th month 3.00% 0.10% 4.6. STANDARD term deposit EUR CHF 7 days 0.01% 14 days 0.01% 0.01% 0.01% 1 month 3 months 0.60% 0.80% 0.50% 0.70% 0.30% 0.40% 0.01% 0.01% 6 months 1.80% 1.20% 0.70% 0.01% 2.30% 1.30% 0.90% 0.01% 4.7. Step up term deposit (3-month-interest periods) EUR 1 st interest period 0.50% 0.30% 0.10% 2 nd interest period 0.60% 0.40% 0.15% 3 rd interest period 0.70% 0.50% 0.20% 4 th interest period 0.80% 0.60% 0.25% 5 th interest period 0.90% 0.70% 0.30% Page 8 of 9

9 6 th interest period 1.00% 0.80% 0.40% 7 th interest period 1.10% 0.90% 0.50% 8 th interest period 1.20% 1.00% 0.60% 9 th interest period 1.30% 1.10% 0.70% 10 th interest period 1.40% 1.20% 0.80% 11 th interest period 1.50% 1.30% 0.90% 12 th interest period 1.60% 1.40% 1.00% 4.8. deposit RENTA EUR 2.00% 24 months 3.00% 2.00% 1.00% 36 months 1.00% 0.90% 0.50% 4.9. Saving account with differentiated interest accrual 0.20% EUR 0.20% 0.10% Page 9 of 9

Interest Rate Bulletin

Interest Rate Bulletin Effective 24.10.2017 General Interest s and Conditions The s which CIBANK JSC accrues on and pays under demand and term deposits are influenced by the market conditions and the policy