Platinum Bank Offers Savings (Deposit) Certificates for Clients
Since December 2015, Platinum Bank offers its clients a new type of product – savings (deposit) certificate. The main advantage of the certificate is a guaranteed possibility to obtain the full sum of the deposit by the end of the term at once, without the NBU’s limitations, in the currency of the deposit. At acquiring this product the client gets an opportunity to make a deposit in USD and EUR. At that the maximum interest rates are 12.50% and 10.50% respectively.
Savings (deposit) certificate is a security, which offers the client a guaranteed return of the money in the currency of the deposit. The certificate is filled out in the bank’s branch office and is given to the client.
“We offer clients a new product which is called for guaranteeing the return of the deposit in the currency it was made in. We understand that nowadays this issue causes a lot of anxiety to potential depositors who are apprehensive of this opportunity to increase their savings. We offer our clients the possibility to make more money and stop worrying about the days to come,” – says Dmytro Krasnoshlyk, Member of the Board of Platinum Bank.
Savings (deposit) certificate also foresees the possibility to receive the deposit in national currency. The settlement in national currency is only possible if the client wishes for it and makes a written statement about it during the money withdrawal from the certificate. The info on the return of the money is written of the other side of the certificate. The deposit and interest are paid out in the end of the term in the currency of the certificate or, if the client wishes so, in the national currency in accordance with the NBU currency exchange rate on the date of settlement. The return is made to the card or current account of the client (the account is stated by the client in a separate application for money receipt), or in cash by the cashier desk of the bank only after the original of the certificate is shown.
When acquiring the savings (deposit) certificates, the funds for the deposit are appropriated exclusively via:
- The cashier desk of the bank in cash;
- Non-cash transfer of funds from the current/card account of the client at some other bank;
- Non-cash transfer of funds from the current/card account of the client at Platinum Bank, under the condition that these funds have been transferred from the other bank within the term of 30 calendar days before the date of certificate acquisition.