Is it possible to deposit money in a foreign bank? Deposit in a foreign bank: conditions, requirements, interest. Cash flow statement

In conditions of instability in the Russian economy, our compatriots are increasingly turning to foreign banks to open deposits in foreign currency. Keeping money at home “under the pillow” and investing in real estate are very controversial tools for preserving assets. The simplification of the procedure for opening deposits abroad and the emergence of a rush around the American dollar served as a green light for all Russian investors who want to preserve, increase their savings and protect them from unfavorable conditions of the Russian financial market. The process of opening an account in banks located outside of Russia raises a lot of questions among potential investors. To remove some of the questions, you can first use the deposit calculator with interest capitalization on our website.

This article will cover a number of the most relevant aspects:

• legal foundations and legal subtleties;
• procedure for opening an account;
• what documents are required to create a deposit;
• How reliable is this placement? Money for Russians;
• examples of the most promising foreign financial and credit institutions.

Why do depositors choose foreign banks?

Opening a foreign currency deposit in one of the foreign banks promises potential clients a number of additional benefits:

• high level reliability of financial and credit institutions;
• compensation for a higher deposit amount (up to 100 thousand dollars) in the event of bankruptcy of the organization (Russian legislation provides insurance protection for only 1.4 million rubles);
• a deposit in foreign currency allows you to diversify your investment portfolio and protect assets from fluctuations in exchange rates;
• guarantee of profitability;
• the ability to choose the currency in which the financial reserve will be stored.

Placing your funds in accounts opened with foreign financial institutions is especially beneficial for those who work or study abroad, plan to purchase real estate or open a business. The disadvantages include significant maintenance costs, large restrictions on the minimum deposit amount, a large package of required documents, and low interest rates.

Legal basis for opening a deposit in a foreign bank

Just a decade ago, opening a deposit abroad was extremely difficult, since to perform this action it was necessary to obtain permission from the Central Bank of the Russian Federation. Since the entry into force of Law No. 173-FZ “On Currency Regulation and Currency Control,” this procedure has been significantly simplified. The legal act gives the right to all residents to open accounts abroad. A list of certain categories of persons who are prohibited from creating deposits is given in Law No. 79-FZ.

How to open a deposit in foreign currency

To open a deposit in a foreign bank, you will need the following documents:

• certificate of family composition;
• certificate of no criminal record;
• tax return for the last 6-12 months with a mark from the Federal Tax Service;
• a copy of the international passport, certified by a notary;
• receipts for payment of housing and communal services and other documents at the discretion of the bank.

After reviewing the provided package of papers, it is necessary to sign an agreement with a financial institution. For this, one of 3 schemes can be used:

• upon a personal visit to the office (for this the depositor will need to visit the country where the bank is located);
• through a representative office located on the territory of the Russian Federation;
• using the services of intermediaries.

Service in foreign banks is carried out under the following conditions:

• You can top up your account both in cash and by bank transfer;
• You can manage the deposit using a bank card, Internet banking, checkbook, fax, postal courier;
• The account can be used to manage personal finances, except entrepreneurial activity;
• The registration process takes on average from 1 week to 2-3 months;
• Confidentiality and security of transactions and transfers are ensured through the use of codes, ciphers, and dedicated communication channels;
• A citizen of the Russian Federation is obliged to notify the tax service about the fact of opening an account abroad. At the end of each tax period, it is necessary to report to the Federal Tax Service about the balances on such accounts. For violation of this requirement, a fine of up to 5,000 rubles is provided;
• Deposit rates average 1-2% per annum (in rare cases the rate can reach 5-6%);
• The minimum threshold for depositing funds is 10-25 thousand dollars;
• The minimum insurance amount in the event of bank bankruptcy in the European Union is 20,000 euros (in some countries, for example, Lithuania, this value reaches 100,000 euros).

Where to open an account abroad?

Foreign banks do not offer such high rates for saving savings compared to Russian organizations. That is why this solution is suitable for preserving and accumulating assets for the short and medium term.

For a long time, deposits in Cyprus were the most popular among depositors. However, due to the problems that have arisen in this country in last years and associated with the loss of depositors' savings, these financial and credit organizations began to be trusted much less. Today, deposits in banks of the Baltic countries are in greatest demand. Deposits in Germany, Austria, and Denmark are no less popular among our compatriots. Swiss banks do not weaken their leading positions in terms of reliability and popularity among foreigners.

By size interest rates The following countries are in the lead:

• Cypriot. For accounts in US dollars with the Bank of Cyprus, Cyprus Popular Bank Ltd., AlphBank, you can get a rate of up to 4.5% per annum;
• In Latvia, the most favorable conditions for investors are offered by Citadele (up to 3%) and BIGBAN (up to 2.65%);
• Among the American ones, the most popular among our compatriots are Jones Vanguard Croup and Edward, which offer rates of up to 2.96% per annum;
• Among English banks, the Bank of London and the Middle East is the leader, offering to open a deposit at 2.8% in pounds sterling;
• In the Italian ING Direct Italia you can open a deposit at 1.4% in eurocurrency;
• In German, Swiss, Swedish, Dutch financial institutions It is permissible to open a deposit with a rate of 1-1.25%.

Depositors' distrust of national banks leads to increased interest. Despite the fact that annual deposit rates are more attractive in Russia, many citizens open accounts abroad. Let's look at the conditions for foreign deposits and how to open them.

In this article:

Features of deposits in foreign banks

Opening a deposit in a bank abroad has a number of advantages and disadvantages compared to Russian banks.

Positive sides:

• High.
• Reimbursement of the full amount of the deposit (up to 100 thousand US dollars) in the event of bankruptcy (in Russia, in a similar situation, you can count on the return of only part of the deposit in the amount of no more than 1.4 million rubles).

Negative sides:

• Large minimum loan amounts (from 10 thousand US dollars).
• High (up to 2 thousand USD per year).
• Low compared to domestic banks.
• Lengthy registration process (from several weeks to several months).
• A large package of documents, since depositors of foreign banks are under close control of the tax service.
• Personal presence at the bank to sign the agreement (additional travel costs).

Do you keep your savings in foreign currency?

YesNo

How to open a foreign deposit

The procedure includes a thorough check of the potential client, especially the legality of his source of income.

To open an account, the bank requires not only the passport and application that are familiar to a Russian, but also the following documents:

• A certificate confirming the amount of income over the past several years with a tax signature.
• Copies of a foreign passport certified by a notary, including those of the spouse.
• Information about family composition.
• Certificates of good conduct.
• Receipts for utility services issued in the name of the client (to confirm the place of residence indicated in the application form).
• Other certificates at the discretion of the bank.

After preparing the documents, they begin to sign the contract. There are several options here.

Deposit calculator

Deposit amount

Interest rate (%)

Deposit term (months)

Monthly interest

Reinvested withdrawn

The first is an independent dialogue with the bank. The depositor can forward everything Required documents by mail or fax, and after receiving a positive decision, visit the country where the bank is located and sign an agreement.

The second is communication with the bank through branches in Russia. These branches will help you collect the necessary package of documents, which will be sent to the main office. But even in this case, you will have to travel abroad to sign the agreement.

The third is working with intermediaries. There are various companies that specialize abroad. The territory for signing documents depends on the agreements between the company and the bank.

Please note that after signing the agreement, the depositor is obliged to inform the tax office about the opening of the deposit within a month.

IN otherwise a fine of up to 5 thousand rubles is possible. and a ban on foreign deposits from bank accounts in Russia.

TOP 5 foreign deposits

Domestic banks offer foreign currency deposits of up to 3.5% in US dollars and up to 1.5% in euros. Offers abroad are not as favorable, so deposit accounts are often opened for savings rather than accumulation of funds.

Leaders by annual rate:

1. The most favorable terms of deposits in Cyprus. In Bank of Cyprus, AlphBank, Cyprus Popular Bank Ltd you can receive up to 4.5% per year on dollar accounts. There are promotional offers up to 6% per annum.
2. In second place in terms of profitability are the Latvian banks Citadele with a rate in US dollars of 3% per year and BIGBANK - a rate of up to 2.65% in euros.
3. The United States, represented by the banks Jones Vanguard Croup and Edvard, announce deposits at 2.96% per annum in US dollars.
4. The British Bank of London and the Middle East offers to open an account with a rate of 2.8% in pounds. Art.
5. ING Direct Italia, located in Italy, is ready to place a deposit at 1.4% in euros.
6. Relatively good rates are offered by banks in Belgium, Germany, Sweden, the Netherlands and Switzerland, which range from 1 to 1.25% per year.

Keeping money in a foreign bank– an option on how to protect your funds from surprises in the domestic economy.

Reasons why you should open a deposit in a foreign bank

The main purpose of depositing abroad is the reliable preservation of funds. Rates abroad are low, mostly 1-2%, and only in some places - up to 5%. Western financial institutions have strict conditions for early termination of deposits, as well as high taxes on interest.

Many people set a high threshold for depositing funds (especially in Switzerland) – 10-25 thousand euros. The minimum guarantee amount (payment of compensation to the investor in the event of bankruptcy) according to European Union standards is at least 20,000 euros. In some countries it reaches 100,000 euros, for example, in Lithuania. Placing money abroad is beneficial for those who study or work there, as well as those who own a business or buy real estate.

Popular countries for deposits in Europe

For many years, Russians placed deposits in Cyprus. But after problems in the country's banking system, when many lost money, his popularity decreased. Placement of funds in the Baltic states is now common.

Also known among investors are countries such as Germany, Austria and Denmark, and the classic of the genre - Switzerland, where there are very low rates and a large minimum deposit. Deposits in foreign banks, the interest rates of which are very low, are considered as a way to safely store money, but not to earn money.

Deposits in foreign banks - TOP 10 most advantageous offers*

The proposal for deposits by country is as follows.

1. In Cyprus, the best offers reach 4.5% (individually up to 6%) per annum in $ - Bank of Cyprus, Cyprus Popular Bank Ltd, and AlphBank.
2. In Latvia, Citadele Bank is interesting, offering up to 3% per annum in $. BIGBANK announces up to 2.65% in euros.
3. USA: Edward and Jones Vanguard Group offer up to 2.96% in dollars.
4. In the UK, Bank of London and the Middle East announces up to 2.8% on sterling.
5. Italy. ING Direct Italia in euros – 1.4%.
6. Belgium - ING Belgium – 1.25% (euro).
7. Deposits in Germany: ING DiBa offers Euro rates of up to 1% per annum.
8. Sweden – Nordea raises funds at 1% in Swedish krona.
9. Netherlands. ABN AMRO for deposits in euros – up to 1% per annum.
10. Switzerland. Postfinance Bank – 0.15% per annum in Swiss francs. Of the deposits in Switzerland, this is the most advantageous offer, taking into account the costs of servicing the deposit. Credit Suisse has the highest rates in Switzerland (0.72%), but service costs exceed income.

Requirements for non-resident depositors

The main requirement of foreign financial institutions for non-resident depositors is transparency of the source of origin of money. Therefore, the verification of this factor is very serious. Will be required different types certificates and statements different from the usual documents accompanying the opening of a deposit.

Recommendations from a domestic bank are welcome if it is a subsidiary of a foreign one. Recommendations from business partners who collaborate with this institution will also be very helpful. If the depositor has a business in the country where the deposit is placed, this is a big plus.

A high minimum deposit threshold (thousands of dollars) excludes people with low and moderate incomes.

How to open a deposit in a foreign bank

To open an account in a foreign bank you must:

1. Select the appropriate country, bank (reliability rating “A”) and type of deposit.
2. Enter into correspondence to clarify the opening conditions (in person or with the help of intermediaries).
3. Collect the necessary documents (in person or through intermediaries), have them translated, and notarized.
4. Send documents to the bank.
5. Get a positive decision (or refusal).
6. If the decision is positive, sign the agreement by traveling abroad (for VIP clients, the bank can send its own clerk).
7. Place money.
8. Provide local authorities with all necessary information about opening an account abroad.

Requirements of domestic legislation

Starting from 2015, citizens who have placed funds abroad are required to submit information about the movement of funds in their accounts to the tax office every quarter. These reports must be accompanied by supporting documents translated into Russian and notarized.

The opening and closing of an account abroad must be reported to the tax office at your place of residence within a month (otherwise you will face a fine of 5,000 rubles).

You can transfer funds to the deposit only through Russian financial institutions.

• Calculate all income/expenses so as not to end up at a loss. Low interest rates on deposits, as well as the cost of servicing it, commissions for transferring funds and withdrawing them, converting them, lead to the fact that when placing less than 50 thousand dollars, the investor may be in the red.
• If a foreign bank does not give consent and requests more and more documents, then in this way it tells the depositor that it is undesirable for them to place a deposit. Abroad, it is not customary to talk about this directly.

*Data update date – April 2015.

The scandal around the Panama Archives continues throughout the world - during the leak of information, it turned out that politicians and businessmen were withdrawing money to offshore companies in this country. Among them were acquaintances of Vladimir Putin. that these people withdrew about 2 billion dollars from the country.

Not only influential people can place money abroad: many banks work with non-residents, however, the conditions for them are somewhat different from the rules for citizens of the country. The rates on deposits of European banks are much lower than in Russia, and transferring money from country to country is not very convenient. However, Russians still send money to Western banks, not trusting Russian credit institutions and fearing the introduction of new barriers to the transfer of rubles into foreign currency. The Village learned about the peculiarities of opening foreign accounts and spoke with one of the depositors.

Where and how can I open an account?

Not all banks are ready to open regular current accounts for foreigners. Many of them require that such a person have a residence permit in the country or other justification for the need for an account, such as the presence of real estate. For example, most Scandinavian banks - Swedbank, DNB - also do not open accounts for Russian citizens without reason. This is also typical for Singapore. “And, for example, in the UK, even if you have a student visa, it is almost impossible to open an account,” says Alexey Pospehov from Futur Capital. “To achieve this, several startups in the field of finance are now being launched, aimed at “migrants,” which include Russian citizens.”

According to Pospehov, almost the only bank in Latvia that actively works with Russians both in business and in personal finance is Rietumu Banka. “They have their own processing and many other goodies,” he notes. Opening an account remotely there will cost 250 euros - then the card will be delivered to Russia by courier. From it you can transfer money to a card of other European banks, as well as to Russia using the SWIFT system. In addition, the bank helps foreigners obtain a residence permit in Latvia.

The Baltic states are perhaps the only place in Europe where a Russian can open an account for a small amount. In other countries there is a high entry threshold for opening a deposit by foreigners - from 50 thousand euros. List credit institutions, ready to work with you, expands significantly if you are ready to deposit more than 100 thousand dollars into your account. Well-known banks like Credit Suisse, UBS, Barclays will be ready to place more than a million in an account from a foreigner without a residence permit, says Konstantin Ziyatdinov, head of the international projects department of the Prime Advice consulting group. More democratic conditions are offered by Chinese banks - for example, Bank of China or ICBC. To open an account you will need only 20 yuan (about 200 rubles), and the entry threshold does not exceed a thousand yuan, says Oleg Tkach, financial director of MTVK Greenwood.

Permission to open an account is issued by a bank manager abroad. And he may have many different reasons why he may not give it. It is almost always necessary to prove that the funds were obtained legally. There are situations when one manager refuses to open an account, and when the application is reviewed later, another manager approves it, says Vladimir Knyazhitsky, General Director of Fast Lane Group of Companies in Russia and the CIS. Therefore, when opening an account, Russians need to understand that this is a rather long process that requires a personal visit (most likely, more than one). In some cases, you can open an account under a power of attorney, for example, in the name of a lawyer. But you definitely need to clarify the conditions for closing: in many banks you can close a deposit only in the office where the account was opened, or at least in the same country. When choosing a bank, it is also worth clarifying what deposit guarantees the country provides and what minimum deposit balance the bank wants to see (for non-residents it is usually high).

How do Russian authorities look at this?

“Russian residents can freely open accounts and deposits in any foreign banks. The only thing you need to do is to notify your tax office about this fact within 30 days after opening the account, otherwise you may be subject to a fine of up to 5 thousand rubles,” says Konstantin Ziyatdinov. After opening an account, you must annually provide the tax authorities with a simple cash flow report (essentially four figures - the balance at the beginning and end of the year and the amount of write-offs and credits for the year).

Unfortunately, Russian currency legislation greatly limits the list of transactions for which funds can be credited to such a foreign account individual, complains Ziyatdinov. Failure to comply with these requirements will result in draconian fines ranging from 75 to 100% of the amount of the non-statutory transaction.

How beneficial is it?

“Withdrawing cash in general is a big headache, despite the so-called SEPA,” says Pospehov. Single European Payment Area - a single europayment area, which includes the euro area, as well as Hungary, Poland, the Czech Republic, Romania, Bulgaria, Sweden and Denmark. If you open an account in Italy and withdraw money in Sweden, you may be charged a commission in accordance with the bank's rules.

For interest-free withdrawals, Pospehov advises using Russian cards and accounts. The same Sberbank has ATMs in many countries of Eastern Europe - no commission is charged for withdrawing money from them. You can also use the services of Citibank. “This is the largest international bank, it is represented in more than a hundred countries around the world and also does not charge fees at ATMs from its cards,” says Oleg Tkach, financial director of MTVK Greenwood. In his opinion, the benefits of deposits abroad are doubtful. Investors here pay not only for opening an account, but also a significant income tax. In Switzerland, for example, it is 35%.

“Interest on deposits is completely negligible by Russian standards,” says CEO GC "Fast Lane" in Russia and the CIS Vladimir Knyazhitsky. This can be 0.25% per year, and if the account currency is not native to the country, then interest is often not accrued. Thus, make money on a bank deposit in developed countries almost impossible - rather, there will be small losses in the form of commissions for transfers and for account maintenance, Knyazhitsky sums up.

But opening accounts in foreign banks is rarely dictated by the goal of obtaining increased profitability or obtaining a better level of banking services than in Russia. Rather, we are talking about confidentiality and independence from the Russian banking system and the “country” risks associated with it, says RB Partners partner Alexander Lukin. For example, many opened accounts out of fear that the authorities would impose restrictions on cross-border transfers and currency conversion. In addition, foreign accounts provide access to international investment products, and when purchasing and maintaining real estate, conversion losses can be avoided.

Inna Alekseeva

CEO PR Partner

Personal experience

Last year, I opened an account as an individual in two Spanish banks, I chose those that allow me to do this without an identification card, that is, roughly speaking, I opened an account as a non-resident.

I was considering the possibility of having my second child in Barcelona, ​​so I needed about 10 thousand euros in my account. The bank requested information about my wages in Russia - I translated and notarized the 2-NDFL certificate, as well as a certificate of dividends. Then I transferred a thousand euros to the bank every month for a whole year to show my reliability. If I want to translate a larger amount, for example, 90 thousand euros for studying at a business school, then you will also need a certificate explaining where the money comes from.

The bank employees immediately warned me that if I suddenly wanted to withdraw the accumulated amount, I would not be able to do this without justification, where and why. In my case, the justification could be an invoice and a certificate from the local maternity hospital. In the same way, you can pay for a business school, language courses, travel around the country, etc. I haven’t needed the account yet, but if so, it works.

IN Lately The demand for placing deposits in foreign banks is growing more and more, because their percentage has nothing to do with the Russian economy, and that is why it is so attractive to Russian citizens.

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By storing money in different banks, the owner thus reduces the risks of his investments. This strategy is quite reasonable, because the chance that disasters will occur in several states at once is negligible.

Basic information

A deposit is the process of transferring a depositor’s funds to a bank at interest with their return after a specified time or at the request of the client.

By investing your savings in a bank, you begin to make a profit from them. Banks struggle every day to attract as many customers as possible.

Investors are especially valuable clients, because... their capital is used to replenish bank reserves and for use in their business activities.

One of the main industries is that which requires a constant influx of capital, which banks issue at interest to the population and organizations.

In this regard, it is profitable to open deposits, receiving profit in the form of interest payments on the amount while your money is working somewhere.

When banks run out of reserves, offers with favorable interest rates on deposits spring up like mushrooms after rain.

What period should be chosen to arrange such a service depends not only on this factor, but also on seasonal fluctuations.

For example, in summer period people tend to spend money when going on vacation. Accordingly, they withdraw part or all of the savings from the account, and banks again take into account this trend and are obliged to increase rates to attract new depositors.

Foreign deposits are more convenient for those who operate abroad, and this also applies to ordinary citizens who sent their children to study abroad.

Concepts

Despite general knowledge, there are always people who do not understand the basics and what kind of contribution would be beneficial and convenient specifically for them.

To do this, you need to understand the concepts and types of deposits that both our and foreign banks can offer.

It’s worth saying right away that Russian banks give much higher interest rates on deposit offers than foreign ones.

But if you simply want to protect your honestly earned money, and are worried about the reliability of our banks, it would be a wise decision for you to try to open an account abroad.

And in this case, be prepared to pay a fair amount for opening an account, servicing and other operations.

Also, for non-residents the percentage is most often offered even less than for their own, and the minimum down payment will be about 50 thousand dollars or higher.

As an option, you can consider our banks that have branches abroad, but many citizens are just as distrustful of them as they are of ordinary Russian ones, preferring European and Swiss, Cypriot and Baltic ones.

Requirements for depositors

As already mentioned, opening a deposit in a foreign bank is much more difficult and problematic.

Therefore, you should be prepared to submit certificates that you have never heard of in your life.

There is also an article that already punishes those who have not reported to the authorities about their currency transactions.

This is written in, which also indicates the amount of penalties, ranging from 5 thousand rubles. for physical persons up to a million rubles for legal entities. persons

If you have not reported within a month after opening the account, a fine is also inevitable for late notification, from a thousand to 5 thousand rubles.

Also in this law there is a requirement for an annual report, which contains all movements on your accounts, and in case of late filing or absence thereof, fines will also be inevitable.

How to make a deposit in a foreign bank

First of all, choose a country that is considered reliable for non-residents, then write a letter and clarify what will need to be prepared to complete the transaction.

Many banks require the personal presence of the depositor when opening an account.

As with any bank, appropriate documentation is required, and a special feature is an interview with a representative of a foreign bank, on whom the possibility of placement in this bank will depend.

A good option according to the conditions would be Baltic banks and Latvian banks.

Regarding branch banks, you can contact Citibank, which allows Russians outside Russia to complete a transaction with the least problems.

What conditions are offered for Russians?

As we already know, foreign banks do not offer large interest rates, so Russians can expect from 3 to 5% in the best case, and up to 1.5% on average. Otherwise, the conditions are based on the same ambushes as in Russia.

Required documents

In addition to the questionnaire and itself, you will need such possible documents as:

• a foreign passport, and sometimes a significant other, certified by a notary,
• certificate of income in the form of a bank for several years (depending on the specific bank),
• certificate of family composition,
• utility bills,
• as well as a certificate certifying that you have not been convicted and are under investigation. Such a certificate can be obtained from the police department.

This is the minimum package that you can focus on, but before registration you should clarify the full package of documents.

If you are opening an account and already have an existing one in one of the Russian branches, the decision will be much faster.

How to get the highest interest rates on deposits

It will be extremely difficult to keep up with interest when it comes to foreign deposits. But you, of course, can familiarize yourself with several banks that provide the highest among their competitors.

We present to your attention a list of countries that are popular with Russian citizens, as well as those that have Cypriot, Latvian, and US banks that are popular.

Regarding other countries, such as Switzerland, Belgium, Germany, these are reliable banks, but the interest is negligible, and servicing will cost more than interest payments, so such options are not suitable for those who want to increase their capital.

Advantageous offers from banks

Is it possible to register for a short period of time?

There is an opportunity, but it loses its meaning, because... the percentage is very small, compared to our offers, the service is expensive, and registration takes a lot of time.

Up to 1 year can be issued at almost any bank, and you can do this, but how rational and profitable will it be?

Advantages and disadvantages

The advantages of this type of deposit will be:

Privacy and Confidentiality	The point is that if you have a company and want to hide your savings, then no, this is not about that. Confidentiality can be obtained by a private individual
Reliability	Foreign banks are famous, first of all, for their reliability, so when making deposits abroad, you don’t have to worry about the return of funds, because in many countries the law protects the savings of both residents and non-residents of the country, so you can always receive compensation from the state if the Bank closes, although this happens extremely rarely
Great opportunities	You can keep money in a bank abroad not only for the sake of reliability and payments, but you can earn extra money by buying securities and other financial industries

There are also several disadvantages:

1. Low interest on deposits. Despite the popularity of foreign deposits, the biggest disadvantage is the inability to earn money this way.
2. Expensive account opening and maintenance.
3. A long application process and a high refusal rate that cannot be influenced.
4. It is impossible to open without personal presence, which complicates the process and significantly increases costs.
5. Reporting to government agencies and fines.