Savings accounts

If you are already an Uralsib customer, you can open a savings account at a bank branch or in Uralsib Online — the mobile app or online banking.

If you are not yet an Uralsib customer, you can visit the nearest Uralsib branch or submit an application on the website and receive a debit card by courier.

How to submit an application on the website?

1. Submit an application on the savings accounts page or the Pribyl debit card page. You can complete the application in 5 minutes. 

2. Wait for a call or SMS from the courier service — confirm the date and choose a meeting time. The card will be delivered the next day.

3. Sign the documents when receiving the card and set the PIN code.

4. Connect to Uralsib Online. Download the app or go to the web version.

5. Top up the debit card account.

6. Open a savings account by funding it from the card account.

How to top up the account?

There are several ways to top up the account:

1. Transfer money from another bank using a phone number via the Faster Payments System (SBP) — up to 30 million rubles per month with no fee.

2. Transfer money from another bank to the card account using the bank details.

3. Through the cashier at an Uralsib branch.

4. At Uralsib ATMs or terminals and partners' devices.

New offers from Uralsib may be unavailable in older versions of the mobile app. To open a deposit or savings account, we recommend using the PWA (web version) or updating the mobile app to the latest version (if technically possible).

Learn more about the mobile app, installation methods, and updates.

Any individual client over the age of 14 can open a savings account. Minors aged 14 to 18 require the consent of a legal representative.

Interest is accrued at the tariff effective on the interest accrual date. The interest period begins on the day following the account opening date, and payment is made monthly on the account opening date. The interest amount is added to the account balance, i.e. capitalized.

For example, if you opened the account on the 15th day of the month, the interest period will run from the 16th day of the current month to the 15th day of the following month.

For the Uralsib Account savings account, interest is accrued throughout the entire interest period on the actual daily account balance starting from the day following the account opening date. Interest is paid monthly on the account opening date: the interest is capitalized and added to the balance.

The interest rate depends on:

— the amount in the account

— whether a premium service package is in place

— the amount of purchases made with debit cards in the previous month. The interest rate on the Uralsib Account savings account is determined taking into account the volume of the client's monthly debit card spending transactions (purchases) in the previous calendar month. The volume of monthly non-cash debit transactions includes payment for goods, works and services using Pribyl debit cards, MIR FC Krasnodar, MIR Supreme, the bank's payroll project participant card, and premium cards of international payment systems.

The maximum balance amount eligible for the increased rate is not limited. If the account is closed early, interest for the current period is not paid.

For the savings account:

— Interest is accrued on the minimum balance in the account during the interest period

— Interest accrual begins on the day following the opening of the savings account

— Interest is paid monthly on the account opening date by crediting the interest amount to the account balance — interest capitalization

— If the account is closed before the end of the calculation period, interest for the current month is not accrued

The interest rate depends on the minimum balance in the account during the interest period. The maximum balance amount for obtaining an increased rate is not limited.

The bank may change the rate on the account. Interest on the savings account will be accrued in accordance with the bank’s tariffs effective on the date the interest is accrued. 5 calendar days before the rate change, Uralsib will post information on the website in the News section.

In the mobile app or in Uralsib Online online banking, you can order the following free of charge:

1. An Account statement with a list of account transactions

2. A certificate of available balance for a visa

3. A certificate for civil servants

To order an Account statement or certificate in Uralsib Online, you need to complete the following steps:

- select the account for which you want to order an Account statement or certificate

- go to the Management section

- select the Account statement and certificates action

- select the required Account statement or certificate and fill in the information

Within 5 minutes, the document will be sent to the email address specified in the request.

Bank Uralsib is a participant in the mandatory deposit insurance system. Funds of Uralsib clients placed in deposits, savings accounts and current accounts (including card accounts), taking into account capitalized (credited) interest, are insured and protected by the state.

In accordance with Federal Law No. 177-FZ dated December 23, 2003, “On Insurance of Individual Deposits with Banks in the Russian Federation,” compensation for deposits with a bank in respect of which an insured event has occurred is paid to the depositor in the amount of 100% of the funds placed with the bank, but not more than 1,400,000 rubles.

A deposit means funds in the currency of the Russian Federation or foreign currency placed by individuals or in their favor with a bank in the territory of the Russian Federation on the basis of a bank deposit agreement or a bank account agreement, including capitalized (credited) interest on the deposit amount.

From March 9, 2022 to September 9, 2026 (the period may be extended), the Bank of Russia restrictions on cash withdrawal of foreign currency from accounts are in effect, including current accounts, savings accounts, card accounts, and deposits.

1. Foreign currency placed in accounts before March 9, 2022:

— you may withdraw no more than USD 10,000 or the equivalent in euros at the Bank of Russia exchange rate on the withdrawal date. Any amount above USD 10,000 may be withdrawn in RUB at the Bank of Russia exchange rate on the withdrawal date

2. Foreign currency credited to accounts from March 9, 2022 may only be withdrawn in RUB:

— if the currency was placed in accounts during the period from March 9, 2022 to September 9, 2022, the funds may be withdrawn in RUB at the Bank of Russia exchange rate on the withdrawal date

— foreign currency credited to accounts from September 9, 2022 may be withdrawn in RUB at the bank's exchange rate on the withdrawal date.

From 2023, income in the form of interest received by a taxpayer during the tax period (calendar year) on all deposits (account balances) in Russian banks is subject to Personal Income Tax (PIT) (hereinafter referred to as PIT, tax) if it exceeds the amount calculated as: 1 million RUB × the maximum value of the Bank of Russia key rate effective as of the 1st day of each month in the specified tax period (calendar year) (hereinafter referred to as the tax period).

Exceptions include:

- interest paid on deposits (account balances) in rubles for which the interest rate during the calendar year did not exceed 1% per annum;

-  interest paid on escrow accounts;

- income in the form of interest received in 2021 and 2022 on deposits (account balances) in banks located in the territory of the Russian Federation.  

Interest received by individuals on foreign currency deposits (account balances) is taken into account regardless of the interest rate and is converted into rubles at the official exchange rate of the Bank of Russia on the date this income is actually received.  

When calculating the tax amount, interest income is taken into account for the year in which it is actually received. If interest is accrued by the bank toward replenishment of the same deposit (deposits with capitalization), the interest income is taken into account in the tax period in which this interest was credited.

Procedure for taxation of income in the form of interest on deposits (account balances) received in 2024

When calculating the non-taxable amount for 2024, the maximum key rate of 21% will be used.

In 2024, income in the form of interest on deposits (account balances) in banks in the amount of 210,000 rubles (1 million rubles × 21%) is exempt from taxation.

Interest income on deposits and accounts is included in the aggregate of tax bases subject to Personal Income Tax (PIT) at a tax rate of 13% / 15% (for example, salary, rental income, income from securities transactions, and other income established by Clause 2.1, Article 210 of the Tax Code of the Russian Federation).

If the amount of tax bases does not exceed or is equal to 5 million RUB, the PIT rate will be 13%. A rate of 15% will apply to the amount exceeding 5 million RUB.

Example 1

Income received by the client in 2024:

Rental income (agreement between an individual and an organization) - 50,000 RUB.

Salary - 1,000,000 RUB.

Income in the form of interest on deposits (short-term) and accounts - 300,000 RUB.

Amount of income on deposits and accounts not subject to taxation = 1,000,000 RUB * 21% = 210,000 RUB.

Total income for 2024 = 50,000+1,000,000+ (300,000 - 210,000) = 1,140 000 RUB.

Tax on all income will amount to 1,140,000*13% = 148,200 RUB.

Tax is withheld by the tax agent from the amount of income in the form of salary and rental income. 

90,000 RUB (300,000 - 210,000) is the part of income in the form of interest on which tax in the amount of 11 700 rubles must be paid.

Example 2

Income received by the client in 2024:

Salary - 1,500,000 RUB.

Income in the form of interest on deposits (short-term) and accounts at Bank A - 153,000 RUB.

Income in the form of interest on deposits (short-term) and accounts at Bank B - 75,000 RUB.

Interest income at two banks for 2024 amounted to 228,000 rubles (153,000 at Bank A and 75,000 at Bank B).

Amount of income on deposits and accounts not subject to taxation = 1,000,000 RUB * 21% = 210,000 RUB.

Total income for 2024 = 1,500,000+ (153 000 + 75,000 - 210,000) = 1 518 000 RUB.

Tax on all income will amount to 1,518,000*13% = 197,340 RUB.

Tax is withheld by the tax agent from the amount of income in the form of salary. 

18,000 RUB (153,000 + 75,000 - 210,000) is the part of income on deposits and accounts for which tax in the amount of 2 340 rubles must be paid.

When taxing interest income on deposits with a term exceeding 15 months and for which interest is paid at the end of the term, it is possible to carry forward to the future part of the non-taxable interest income amount (non-taxable limit) not used in the current tax period (applies to income received starting from 01.01.2023).

The rules are as follows:

- if in the expired year an individual did not receive interest on deposits (or such interest was exempt from taxation), then for the following year the non-taxable limit is carried forward in full;

- if in the expired year an individual received interest on deposits, then for the following year the unused balance of the non-taxable limit is carried forward.

Changes regarding the determination of the excess amount apply starting from the calendar year in which the long-term bank deposit agreement was concluded

Example 3

An individual opened two deposits with The bank in 2023:

- deposit No. 1 (short-term): opened on 01.02.2023 for an amount of 1 million RUB, with a term of 6 months, rate 17%.

In 2023, 85,000 were paid on it. RUB;

- deposit No. 2 (long-term): opened on 01.02.2023 for an amount of 1 million RUB, with a term of 18 months and payment of % at the end of the term, rate 19%.

In 2024, 285,000 RUB were paid on it, incl., the amount of interest accrued for 2023 was 174,000 RUB, for 2024 - 111,000 RUB.

Tax for 2023

The maximum value of the Bank of Russia key rate effective as of the 1st day of each month in 2023 was 15%

Amount of income on deposits and accounts not subject to taxation = 1,000,000 RUB * 15% = 150,000 RUB.

For deposit No. 1:

- the tax base is absent: 85,000 – 150,000 = - 65,000 RUB – the excess amount carried forward to subsequent periods for a deposit over 15 months;

- tax = 0 RUB.

For deposit No. 2 – there was no payment in 2023, the deduction is carried forward by the Federal Tax Service to the following year – 65,000 RUB.

Tax for 2024

The maximum value of the Bank of Russia key rate effective as of the 1st day of each month in 2024 was 21%

Amount of income on deposits and accounts not subject to taxation = 1,000,000 RUB * 21% = 210,000 RUB.

For deposit No. 1 – closed, no payments.

For deposit No. 2

Tax base

1) interest paid – non-taxable interest income in the period of interest payment = 285,000 – 210,000 = 75,000 RUB;

2) the excess amount for the previous period is also deducted in full from the 2024 base:

75,000 – 65,000 = 10,000 RUB.

Tax for 2024 = 10,000 RUB x 13% = 1 300 RUB.

Example 4

An individual opened a deposit with The bank in 2023 for 2,000,000 RUB at 8% per annum for 1.5 years (18 months) with interest paid at the end of the term.

In July 2024, the bank accrued interest for all 18 months in the amount of 240,000 RUB.

He has no other deposits.

Tax for 2024

The maximum value of the Bank of Russia key rate effective as of the 1st day of each month in 2023 was 15%

Amount of income on deposits and accounts not subject to taxation = 1,000,000 RUB * 15% = 150,000 RUB.

Since no interest was paid in 2023, the entire non-taxable limit amount of 150,000 RUB is carried forward to 2024.

The maximum value of the Bank of Russia key rate effective as of the 1st day of each month in 2024 was 21%

Amount of income on deposits and accounts not subject to taxation = 1,000,000 RUB * 21% = 210,000 RUB.

The non-taxable limit amount for this interest income paid in 2024 will consist of two amounts - the carried-forward limit from 2023 and the 2024 limit, and will amount to 360,000 RUB (150,000 RUB + 210,000 RUB).

- the tax base is absent: 240,000 – 360,000 = -120,000 RUB – the excess amount carried forward to subsequent periods for a deposit over 15 months with interest paid at the end of the term;

- tax = 0 RUB.

Declaration of interest income by individuals or any other additional formalities are not required.

Calculation of the tax amount at the end of the tax period is carried out independently by the tax authority based on information on the amounts of interest paid in respect of each individual to whom such payments were made during the tax period, provided by banks, the Central Bank of the Russian Federation, as well as the state corporation “Deposit Insurance Agency (DIA)”.

The main deadline for submitting information is no later than February 1 of the year following the reporting tax period.

The amount of income received on deposits (account balances) is reflected in the taxpayer's personal account.

The calculated tax amount is included in the consolidated tax notice, which is generated and sent by the tax authorities after the end of the calendar year. The tax notice will be sent to individuals in September - October 2025 for 2024.

The tax must be paid annually no later than December 1 of the year following the reporting year.

For income received in 2024, tax in respect of income in the form of interest on deposits (account balances) must be paid no later than December 1, 2025.

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Yes, the bank reserves the right to change the rate on savings accounts. Information about changes in rates is posted in advance on the bank's website in the News section, 5 days before the changes take effect.

The daily balance is the amount that remained in the account each day during the month. The interest accrual scheme based on the daily balance is especially beneficial for those who frequently top up the account and withdraw funds.

Example:

On the morning of the 1st, the account balance was 100 000₽; on the 11th, you topped up the account by 50 000₽, and on the 22nd, you withdrew 50 000₽.

As a result, for the period from the 1st to the 11th, interest will be accrued on the amount of 100 000₽; from the 12th to the 22nd, on 150 000₽; and from the 23rd until the end of the calculation period, on 100 000₽.

The minimum balance is the minimum amount of money that remained in the account during each month.

For example, if your account held 80 000₽, in the middle of the month you withdrew 30 000₽ from the account, and after that you topped it up by 40 000₽, then in the current month interest will be accrued on the minimum balance of 50 000₽.

Accrued interest is paid on the Account opening date by capitalization, i.e. credited to the balance in the Account.

For example, if you opened a savings account on October 15, the calculation period will run from the 15th day of the current month to the 15th day of the following month.

Transactions on the account are carried out during the operating day, including on weekends and public holidays established by the current legislation of the Russian Federation.

Information on the duration of the operating day and on The bank's business hours is established by The bank and communicated to the Client by the method established by The bank. The duration of the operating day and The bank's business hours may be changed by The bank unilaterally.

Information about changes in the duration of the operating day, including due to the technical inability to carry out transactions, as well as about changes in The bank's business hours on holidays and weekends, may be communicated to the Client by posting it on stands at points of sale, on The bank's official website, or by another method chosen by The bank.