Savings accounts

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