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

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

1. Submit an application on the deposit or 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 log in to the web version.

5. Top up the debit card account.

6. Open a deposit by funding the deposit account from the card account.

There are several ways to top up an account:

1. Transfer money from another bank by 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 a cashier at a Uralsib office.

4. At Uralsib ATMs or terminals and those of partner banks.

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

Interest on the amount of a bank deposit is accrued from the day following the day the deposit agreement is opened through the day of return to the depositor, inclusive. When opening a deposit, the client chooses the method of interest payment: monthly to a separate account without capitalization or added to the deposit amount, with capitalization. Interest added to the deposit amount may be used by the client on any day during the deposit term.

Capitalization is the monthly addition of accrued interest to the deposit amount. Capitalization allows you to earn income not only on the initial deposit amount, but also on the added (capitalized) interest.

Uralsib's deposit terms with interest capitalization specify:

- base interest rate — with monthly interest paid to a separate account

- interest rate with capitalization — with monthly addition of paid interest to the deposit amount

The amount of interest due (income) on a deposit can be calculated using the calculator on the “Deposits” page by specifying the required deposit parameters. Or calculate it independently in accordance with the selected interest payment method:

1. Monthly interest payment to a separate account (without capitalization). Interest is calculated using the formula:

Interest on the deposit = (Deposit amount × deposit interest rate × actual number of days during which the funds are held in the deposit)/ number of days in a year.

Example: the client opened a deposit with monthly interest payment to a separate account — term 3 months (91 days), deposit amount 100,000 rubles, rate 12% per annum.

Interest on the deposit for one month: (100 000 ₽ × 12% × 30 days)/365 days = 986,30 ₽

Interest on the deposit for the entire deposit term (91 days): (100 000 ₽ × 12% × 91 days)/365 days = 2 991,78 ₽

2. Monthly interest payment with crediting to the deposit amount (with capitalization). Interest can be calculated in two ways:

2.1. Interest for each month is calculated on the deposit amount + the amount of credited interest for previous months.

Example: the client opened a deposit with credited paid interest added to the deposit amount (with capitalization) — term 3 months (91 days), deposit amount 100,000 rubles, rate 12% per annum.

Interest on the deposit for the 1st month: 100 000 ₽ × 12% × 30 days/365 days = 986,30 ₽.

Interest on the deposit for the 2nd month is accrued on the deposit amount + the interest amount for the 1st month: (100 000 ₽ + 986,30 ₽) х 12% * 31 days/365 days = 1 029,23 ₽.

Interest on the deposit for the 3rd month is accrued on the deposit amount + the interest amount for the 1st and 2nd months:  (100 000 ₽ + 986,30 ₽ + 1 029,23 ₽) х 12% * 30 days/365 days = 1 006,18 ₽.

Total interest amount for 3 months will be 3 021,71 ₽.

2.2. Interest for the entire deposit term can be calculated using the yield rate calculated by the bank, taking into account monthly interest capitalization, as specified in Uralsib Tariffs & fees.

Example: the client opened a deposit with credited paid interest added to the deposit amount (with capitalization) — term 3 months (91 days), deposit amount 100,000 rubles, rate 12% per annum, yield rate taking capitalization into account 12,12%.

Interest on the deposit for the entire deposit term (91 days): (100 000 ₽ × 12,12% × 91 days)/365 days = 3 021,70 ₽.

The calculations are preliminary and do not take into account deposit and withdrawal transactions. The final interest amount may differ.

When opening a fixed-term deposit, a fixed interest rate is established. The rate remains unchanged for the entire deposit term. The bank cannot unilaterally change the rates on fixed-term deposits that have already been opened.

Bank Uralsib offers the "Comfort Plus" deposit with a floating interest rate. The interest rate on the deposit is linked to the key rate of the Bank of Russia and depends on the service package, deposit amount, and deposit term. From the date the Bank of Russia changes the key rate, the interest rate under the current deposit agreement changes accordingly, while the interest rate for previous periods is not recalculated.

The deposit can be opened under the current service packages "Premium banking" and "Private banking" at a bank branch or in online banking for amounts starting from 2 million rubles.

When the deposit agreement term expires, the funds will be transferred to the account for crediting the deposit funds specified in the deposit opening application.

A deposit agreement can be terminated early on any day. In the event of early termination of the deposit agreement, interest on the deposit amount for the entire period during which the funds were actually held on deposit is paid at the early withdrawal rate of 0.01%.

Example: if 300,000 rubles are placed for 1 year at an annual interest rate of 9%, the income after maturity will be about 27,000 rubles. In the event of early closure of the deposit, for example, 3 months after the opening date, interest will be paid at a rate of 0.01%, and the deposit income for 3 months will amount to less than 10 rubles.

In the mobile app or 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 public officials

To order an Account statement or certificate in Uralsib Online, follow these 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.

It is recommended to notify the bank in advance if you plan to withdraw in cash from your account any amount in foreign currency or a large amount in rubles — RUB 300,000 or more.

You can order cash at the bank's branches or by calling 8 800 250-57-57.

Bank Uralsib is a participant in the mandatory deposit insurance system. Uralsib clients’ funds 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 Individuals’ Deposits with Banks of the Russian Federation,” compensation for deposits with a bank in respect of which an insured event has occurred shall be 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 monetary 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, 2025 (the period may be extended), restrictions of the Central Bank of the Russian Federation apply to cash withdrawals of foreign currency from accounts, including current accounts, savings accounts, card accounts, and deposits.

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

  — no more than USD 10,000 or the equivalent in euros at the exchange rate of the Central Bank of the Russian Federation on the withdrawal date may be withdrawn. Any amount exceeding USD 10,000 may be withdrawn in RUB at the exchange rate of the Central Bank of the Russian Federation on the withdrawal date

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

  — if foreign currency was placed in accounts during the period from March 9, 2022 to September 9, 2025, the funds may be withdrawn  in RUB at the exchange rate of the Central Bank of the Russian Federation 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

Starting from 2023, income in the form of interest on deposits (account balances) is subject to Personal Income Tax (PIT) (hereinafter, PIT, tax) if it exceeds the amount of interest calculated as the product of 1 million rubles and the maximum key rate of the Central Bank of the Russian Federation in effect on the first day of each month in the specified tax period of the calendar year.  

Exception:

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

— income in the form of interest received in 2021 and 2022 on deposits (account balances) with banks located in the territory of Russia

Interest received by individuals on foreign currency deposits or accounts 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 determining the amount of interest for 2023 that is not subject to taxation, for 2023 the Federal Tax Service will use the maximum key rate of 15%.

In 2023, income in the form of interest on deposits or accounts with banks in the amount of 150,000 rubles (1 million rubles × 15%) is not subject to Personal Income Tax (PIT).

The tax base and tax on income in the form of interest are determined by the tax authorities. The data is provided by banks, the Central Bank of the Russian Federation, and the Deposit Insurance Agency (DIA).

Interest income on deposits and accounts is subject to Personal Income Tax (PIT) at a progressive tax rate of 13% or 15%. If total income (salary, profit from securities, etc. under Clause 2.1 of Article 210 of the Tax Code of the Russian Federation) does not exceed 5 million rubles, the 13% rate applies. For amounts exceeding 5 million rubles, the rate is 15%.

The tax must be paid by December 1 of the year following the reporting year. For income for 2023, the tax on interest on deposits or accounts must be paid by December 2, 2024.

The tax is paid based on a notice from the tax service. The bank pays interest on deposits in full without withholding tax. Information on account income is displayed in the taxpayer's personal account.

The tax notice for 2023 will be sent to depositors in September–October 2024.

• Uralsib branches
• Uralsib Online
  
• Uralsib website
  
• Email
  
• SMS
  
• Push notifications
  
• Postal service
  

If you are already an Uralsib client, 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 client, you can contact the nearest Uralsib branch or submit an application on the website and receive a debit card by courier.

1. Submit an application on the deposit or 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 use the web version.

5. Top up the debit card account.

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

There are several ways to top up an account:

1. Transfer money from another bank using a phone number via the Faster Payments System (SBP) — up to 30 million rubles per month free of charge.

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

3. Via a cashier at an Uralsib branch.

4. At Uralsib and partner ATMs or terminals.

New offers from Uralsib may be unavailable in older versions of the mobile app. To open a deposit or savings account, we recommend updating the mobile app to the latest version.

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

Any individual client over the age of 14 can open a savings account. For minors aged 14 to 18, the consent of a legal representative is required.

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

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

For the Uralsib Account savings account, interest is accrued throughout the entire interest period on the actual daily balance of funds at the beginning of each day, starting from the day following the account opening. 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 available

— the amount of purchases made with debit cards in the previous month. The interest rate for the Uralsib Account savings account is determined taking into account the volume of the client's monthly debit transactions (purchases) made with debit cards in the previous calendar month. The volume of monthly cashless debit transactions includes payment for goods, works, and services with 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. In case of early account closure, interest for the current period is not paid.

For the savings account:

— Interest is accrued on the minimum balance amount at the beginning of each day during the interest period

— Interest accrual starts 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 settlement period, interest for the current month is not accrued

The interest rate depends on the amount of the minimum account balance during the interest period. The maximum balance amount eligible for the 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 interest accrual date. 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 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 (accrued) 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 in Banks of the Russian Federation," compensation for deposits in a bank in respect of which an insured event has occurred shall be 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 (accrued) interest on the deposit amount.

From March 9, 2022 to September 9, 2025 (the period may be extended), restrictions of the Central Bank of the Russian Federation apply to cash withdrawals of foreign currency from accounts, including current, savings, card accounts, and deposits.

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

  — no more than USD 10,000 or its equivalent in euros at the exchange rate of the Central Bank of the Russian Federation on the withdrawal date may be withdrawn. An amount exceeding USD 10,000 may be withdrawn in RUB at the exchange rate of the Central Bank of the Russian Federation on the withdrawal date

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

  — if foreign currency was placed in accounts during the period from March 9, 2022 to September 9, 2025, the funds may be withdrawn  in RUB at the exchange rate of the Central Bank of the Russian Federation 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 on deposits (account balances) is subject to Personal Income Tax (PIT) (hereinafter, PIT, tax) if it exceeds the amount of interest calculated as the product of 1 million rubles and the maximum key rate of the Central Bank of the Russian Federation from those effective on the first day of each month in the specified tax period of the calendar year.  

Exception:

— interest paid on escrow accounts and on ruble deposits (account balances) for which the interest rate during the calendar year did not exceed 1% per annum

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

Interest received by individuals on foreign currency deposits or accounts is taken into account regardless of the interest rate and is recalculated into rubles at the official exchange rate of the Bank of Russia on the day this income is actually received.

When determining the amount of interest for 2023 that is not subject to taxation, for 2023 the Federal Tax Service will use the maximum key rate of 15%.

In 2023, income in the form of interest on deposits or accounts with banks in the amount of 150,000 rubles (1 million rubles × 15%) is not subject to Personal Income Tax (PIT).

• Uralsib branches
• Uralsib Online
  
• Uralsib website
  
• Email
  
• SMS
  
• Push notifications
  
• Postal service