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Deposits 41

  • What is a deposit?
    What is a deposit?

    Amount of money deposited on terms of full return with or without interest or markup upon the first claim or on due date agreed by the person who made payment and person who received payment.
  • What does the Bank take into account when setting interest rates?
    What does the Bank take into account when setting interest rates?

    Taking into account the discount rate of CB (16%)
  • When Bank deposit agreement is deemed to be made?
    When Bank deposit agreement is deemed to be made?

    Starting the day of receipt of the deposit amount to the Bank
  • At what age can a person replenish a savings deposit that was opened in his name when he was a child?
    At what age can a person replenish a savings deposit that was opened in his name when he was a child?

    Starting the age of 14, providing birth certificate, a certificate issued by citizens' self-government body or a partnership of private homeowners, a photo of a minor (the photo on this certificate shall be certified by the seal of citizens’ self-government body or a partnership of private homeowners).
  • On which account is the amount of interest accrued?
    On which account is the amount of interest accrued?

    20206- “Demand deposit for individuals”
  • On which account is the amount deposited?
    On which account is the amount deposited?

    20206- “Demand deposits for individuals”
    20406- “Savings deposits for individuals”
    20606- “Fixed-term deposits for individuals”
  • Maximum interest for placement of funds in deposits of individuals?
    Maximum interest for placement of funds in deposits of individuals?

    Today, Kapital24 offers its depositors to deposit of funds in national currency at 21% per annum and in foreign currency – 4%
  • What kind of deposits are available?
    What kind of deposits are available?

    Demand deposit, fixed-term deposit, savings deposit
  • How shall interest on deposit be calculated?
    How shall interest on deposit be calculated?

    Interest on deposit shall be calculated as follows:

    (Deposit amount*interest rate)/365*number of days of deposit.

    In addition, in accordance with the Civil Code of the Republic of Uzbekistan :
    Interest on bank deposit shall be accrued starting the date following the day of deposit receipt in bank to the day preceding its return to depositor or its writing off the account of depositor for other reasons.
    Interest is not charged for a period when the bank is not able to use monetary funds on depositor account due to the seizures of account.
  • How long is it take to return a deposit in case of deposit early claim by a depositor?
    How long is it take to return a deposit in case of deposit early claim by a depositor?

    Deposited funds shall be returned to a client upon the first claim of depositor, whether it is fixed-term claim or early claim of deposit.
  • Is the return of my deposit guaranteed by the government?
    Is the return of my deposit guaranteed by the government?

    Yes, the return of funds accepted for deposit by the Bank is guaranteed by the Fund of Guarantee Citizens Deposits in Banks of the Republic of Uzbekistan in accordance with the Law of the Republic of Uzbekistan "On guarantee of citizens' deposits protection in banks".
  • Within what period of time shall a depositor notify the Bank of his/her intentions to early claim fixed-term deposit?
    Within what period of time shall a depositor notify the Bank of his/her intentions to early claim fixed-term deposit?

    A depositor shall notify the bank in written no later than 1 month prior to the intended date of withdrawal.
  • What is the form (written, verbal) of a Bank deposit agreement?
    What is the form (written, verbal) of a Bank deposit agreement?

    Written
  • In what currency will my deposit be returned?
    In what currency will my deposit be returned?

    A deposit is returned in the currency it was made.
  • At what age can a person open bank deposit independently?
    At what age can a person open bank deposit independently?

    Starting from16 years old upon presentation of passport
  • Based on which document submitted by a depositor is the account opened?
    Based on which document submitted by a depositor is the account opened?

    Based on Application filled upon presentation of identity document
  • Can I open a deposit in your bank using funds from card issued by other bank?
    Can I open a deposit in your bank using funds from card issued by other bank?

    Yes, you can. We will open Kapitalbank sum card where interest shall be accrued.
  • Who can manage a deposit opened in the name of minor until he is 14?
    Who can manage a deposit opened in the name of minor until he is 14?

    Depositor - parent, guardian
  • What document is issued to depositor when opening a deposit?
    What document is issued to depositor when opening a deposit?

    Savings book and one copy of the application for opening a term deposit
  • How long does it take to open or close a deposit?
    How long does it take to open or close a deposit?

    10 to 30 minutes
  • What accounts shall I have to open fixed-term deposit?
    What accounts shall I have to open fixed-term deposit?

    Fixed-term deposit account and demand deposit account
  • What accounts shall I have to open savings account?
    What accounts shall I have to open savings account?

    Savings deposit account and demand deposit account
  • How long does it take to replenish deposit?
    How long does it take to replenish deposit?

    Maximum time of deposit replenishment is 5-10 minutes.
  • Can another person replenish my deposit?
    Can another person replenish my deposit?

    Yes
  • Can I replenish my account from other bank?
    Can I replenish my account from other bank?

    If so provided for in deposit agreement
  • What maximum amount of replenishment for deposit?
    What maximum amount of replenishment for deposit?

    The maximum amount of deposit replenishment is not limited
  • What is the maximum amount of deposit replenishment?
    What is the maximum amount of deposit replenishment?

    The maximum amount of deposit replenishment is not limited
  • What are other ways to make replenishment?
    What are other ways to make replenishment?

    Deposit can be replenished on cash or non-cash basis depending on terms and conditions of deposit agreement.
  • Is it possible to make a deposit replenishment using terminal?
    Is it possible to make a deposit replenishment using terminal?

    If so provided for in deposit agreement
  • Is it possible to make a deposit replenishment using ATM?
    Is it possible to make a deposit replenishment using ATM?

    If so provided for in deposit agreement
  • Is it possible to replenish deposit in other country?
    Is it possible to replenish deposit in other country?

    If so provided for in deposit agreement
  • Is it possible to replenish deposit in other currency?
    Is it possible to replenish deposit in other currency?

    No, it’s not. Acceptance of funds in deposit, as well as return of deposit funds are in the same currency
  • How much time should pass after the deposit so that I can withdraw the entire amount at once?
    How much time should pass after the deposit so that I can withdraw the entire amount at once?

    Deposit can be withdrawn both on deposit maturity day and on any other subsequent day.
  • How long will it take to withdraw money fully?
    How long will it take to withdraw money fully?

    The deposit is returned to the depositor upon the first claim, on the day the depositor contacts the bank.
  • What will happen with money that I have not withdrawn after deposit maturity?
    What will happen with money that I have not withdrawn after deposit maturity?

    After deposit maturity, money will be transferred from fixed-term deposit account to savings deposit account and will be on this account until depositor claims it.
  • Can I withdraw the full amount of deposit?
    Can I withdraw the full amount of deposit?

    Yes You can withdraw the full amount of deposit both after and prior to deposit maturity
  • How can I found out what amount has remained after money withdrawal?
    How can I found out what amount has remained after money withdrawal?

    Contact bank’s operator or use sms-info service
  • How can I withdraw the deposit amount?
    How can I withdraw the deposit amount?

    To withdraw a deposit, you shall contact bank’s branch where the deposit was opened. Present savings book and passport
  • Is it possible to withdraw deposit amount in other country?
    Is it possible to withdraw deposit amount in other country?

    No
  • Is it possible to withdraw the deposit amount without commission?
    Is it possible to withdraw the deposit amount without commission?

    In the event funds were deposited to the bank in cash, the commission for cash withdrawal is not charged from the depositor.
  • Is it possible to withdraw money using ATM?
    Is it possible to withdraw money using ATM?

    No, it is not possible to withdraw deposit amount using ATM
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