Bundles
Description
Bundle with Insurance
Bundle with investment

Attention! Bundles attract a higher RUB deposit rate of up to 7% p.a. on investment bundles and 7,5% p.a. on insurance bundles.

Citibank’s Bundles are an attractive offer combining the benefits of different financial instruments, such as time deposits, investment products and life insurance saving plans.

You can combine various financial instruments to make the most of your money and save for special purposes, while maintaining an optimum balance between risk and benefit and diversifying your investments by currency, maturity and purpose.

Bundle with Investments

TIME DEPOSIT
181 days

up to 7% p.a. in rubles

up to 2% p.a. in U.S. dollars

INVESTMENT
PRODUCTS

Learn more about Bundle with Investments.

Bundle with Insurance

TIME DEPOSIT
181 days

7,5% p.a. in rubles

2,5% p.a. in U.S. dollars

Saving
Plan

Learn more about Bundle with Insurance.

These offers are valid for the holders of AO Citibank bank service packages.

All these products — Savings Plans, Mutual Funds, Time Deposits, etc., are also available to you as individual product offerings, however the special time deposit rates are only available as part of the Bundles.

All deposit agreement terms and conditions form part of the Consumer Banking Terms and Conditions available at www.citibank.ru. All details are also available from AO Citibank branches.

On the deposit maturity date, you will get your money and accrued interest back to the current or savings account with AO Citibank from which the deposit was made.

The time deposit may not be terminated in part. If you elect to prematurely terminate the time deposit, you will be refunded the deposit amount in full. However, if the time deposit is prematurely terminated, interest will accrue at 0.01% p.a. AO Citibank reserves the right to change the terms of these offers at any time without prior notice.

Bundle with Insurance

Attention! The bundle attracts a higher rate on 7,5% p.a. on 181-day RUB deposit. This offer is designed for those who value stability and peace of mind about tomorrow and strive to secure protection for both themselves and family members in any life situation.

The time deposit in this bundle is offered on most favorable terms and boasts a combination of high yield and safety, which enables you to use surplus funds to your advantage. Your investments in the life insurance saving plan, will, in their turn, work towards building a nest egg for various long-term goals, like saving for retirement, paying for your child’s education, etc. And both you and your family will be protected at all times against financial losses in case of an accident.

This insurance bundle provides an option to receive the amount saved at the expiration of the saving plan as a lump sum or as regular life-long payments, which may be inherited by your family members.

We offer you:

181-days deposit

7,5% p.a. in rubles

2,5% p.a. in U.S. dollars

Deposit term: 181 days

Minimum deposit amount: RUB 60,000,
or USD 1,000

The maximum deposit amount for a USD deposit is five times the amount of the first contribution in the case of an installment savings plan. The maximum deposit amount in the case of a single premium plan can not exceed 100% of the amount of single premium payment.

The maximum deposit amount for a RUB deposit is five times the amount of the first contribution in the case of an installment savings plan. The maximum deposit amount in the case of a single premium plan can not exceed 100% of the amount of single premium payment.

SAVING PLAN

Minimum amount of annual contribution:

- RUB 30,000 for CitiOne customers

- RUB 100,000 for Citigold customers

Minimum term of the saving plan:
10 years

Details of the offer:

  • Deposit interest rate:
    - 7,5% p.a. in rubles;
    - 2,5% p.a. in U.S. dollars;
  • Deposit term: 181 days.
  • Minimum deposit amount: RUB 60,000 or USD 1,000.
  • The maximum deposit amount for a USD deposit is five times the amount of the first contribution in the case of an installment savings plan. The maximum deposit amount in the case of a single premium plan can not exceed 100% of the amount of single premium payment.
  • The maximum deposit amount for a RUB deposit is five times the amount of the first contribution in the case of an installment savings plan. The maximum deposit amount in the case of a single premium plan can not exceed 100% of the amount of single premium payment.
  • Minimum term of the saving plan: 10 years.
  • Minimum amount of contribution to the saving plan:

    - RUB 30,000 for CitiOne customers;

    - RUB 100,000 for Citigold customers.

  • Bundles are only available through branches.

If you have any questions

Fill out the short online form and our consultant will contact you shortly.

For more details about our Investment Bundles please visit Citibank branches or call CitiPhone.

These offers are valid for the holders of AO Citibank bank service packages.

All these products — Saving Plans, Mutual Funds, Time Deposits, etc., are also available to you as individual product offerings, however the special time deposit rates are only available as part of the Bundles.

All deposit agreement terms and conditions form part of the Consumer Banking Terms and Conditions available at www.citibank.ru. All details are also available from AO Citibank branches.

On the deposit maturity date, you will get your money and accrued interest back to the current or savings account with AO Citibank from which the deposit was made.

The time deposit may not be terminated in part. If you elect to prematurely terminate the time deposit, you will be refunded the deposit amount in full. However, if the time deposit is prematurely terminated, interest will accrue at 0.01% p.a. AO Citibank reserves the right to change the terms of these offers at any time without prior notice.

The life insurance programs are offered by OOO “Strakhovaya Kompaniya “CiV Life” with its office at 30, bldg. 1, Obrucheva st., Moscow, 117485, tel. +7 (495) 967-92-57, licenses SJ ¹4105, SL ¹4105 dated September 8, 2015 issued by the Central Bank of the Russian Federation.

The programs are not a bank deposit or an obligation of AO Citibank, Citigroup Inc. or their affiliates. Russian government organizations have no obligations under or in connection with these programs. If the customer terminates the contract of life insurance before maturity, the cash surrender value under the program may be less than the premiums paid by the customer. The Insured may, within the first thirty (30) days of receipt of the insurance certificate, unless an insured event has occurred, terminate the insurance contract and be refunded the premium paid. If the contract is terminated before maturity but after the expiration of such period, all settlements with the Insured will be made in accordance with the Insurance Rules.

Bundle with Investments

Attention! The bundle attracts a higher rate of 7% p.a. on 181-day RUB deposits.

TIME DEPOSIT
181 days

7% p.a. in rubles

2% p.a. in U.S. dollars

Minimum deposit amount: RUB 60,000, USD 1,000 or EUR 1,000

INVESTMENT PRODUCTS

The minimum investment in mutual funds managed by Alpha-Capital, VTB Capital, Sberbank Asset Management and TKB BNP Paribas is RUB 50,000.

Your investments within the Bundle should be distributed between the Time Deposit and Investment Products in a certain proportion to entitle you to a higher-rate deposit.

The maximum aggregate amount of investment in the Time Deposit and Investment Products is limited.

For details of the offer, please contact our certified consultant at any of our branches.

Details of the offer:

  • Time deposit interest rate:

    - 7% p.a. on RUB deposit for 181 days;

    - 2% p.a. on USD deposit for 181 days;

  • Your investments within the Bundle should be distributed between the Time Deposit and Investment Products in a certain proportion to entitle you to a higher-rate deposit. The maximum amount of Time Deposit may not exceed your investment in Investment Products. The maximum aggregate amount of investment in the Time Deposit and Investment Products is limited. For details of the offer, please contact our certified consultant at any of our branches.
  • Minimum deposit amount: RUB 60,000 or USD 1,000.
  • The minimum investment in mutual funds managed by Alpha-Capital, VTB Capital, Sberbank Asset Management and TKB BNP Paribas is RUB 50,000.
  • The minimum investment in structured notes is disclosed in the respective SN Terms and Conditions.
  • Bundles are only available through branches.

If you have any questions

Fill out the short online form and our consultant will contact you shortly.

For more details about our Investment Bundles please visit Citibank branches or call CitiPhone.

These offers are valid for the holders of AO Citibank bank service packages.

All these products — Saving Plans, Mutual Funds, Time Deposits, etc., are also available to you as individual product offerings, however the special time deposit rates are only available as part of the Bundles.

All deposit agreement terms and conditions form part of the Consumer Banking Terms and Conditions available at www.citibank.ru. All details are also available from AO Citibank branches.

On the deposit maturity date, you will get your money and accrued interest back to the current or savings account with AO Citibank from which the deposit was made.

The time deposit may not be terminated in part. If you elect to prematurely terminate the time deposit, you will be refunded the deposit amount in full. However, if the time deposit is prematurely terminated, interest will accrue at 0.01% p.a. AO Citibank reserves the right to change the terms of these offers at any time without prior notice.

Investment Products: Are not government-insured. Are not bank deposits. Are not bank-guaranteed. May lose value, including possible loss of principal. Past performance is not indicative of future results.

Investments in mutual funds are at the sole risk of the Customer. AO Citibank, Citigroup Inc. and their affiliates are not liable for any damage or loss occurring as a result of such investments. Mutual funds are not a bank deposit or obligation of AO Citibank,
Citigroup Inc. or their affiliates. Returns on mutual fund investments are not government-guaranteed. Past performance is not a guarantee of future performance, and the value of fund shares may go down as well as up. All mutual fund transactions are subject to compliance with applicable laws. Russian fund management companies may charge front- and back-end loads, which reduces returns on mutual fund investments. Please, read carefully the rules of fund management before purchasing the fund. Detailed information on mutual funds, including front- and back-end loads and other charges related to the purchase and ownership of mutual funds, the rules of fund management and other relevant documents are available at Citibank branches and on the management companies’ websites.

Income earned by consumers on mutual fund transactions is subject to taxation under Chapter 23 of the RF Tax Code. AO Citibank does not act as tax agent in relation to customer transactions entered into within the framework of its agency agreements with Russian management companies. For such customers, income on the sale of securities is calculated by the management company.