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Junior Deposit

Junior Deposit


A parent (custodial parent) or a close relative can open an account to a child's name.

Before the child turnes 18, only the person who opened the account can operate it.

Once the child turnes 18, he (she) can come and submit his (her) ID and the deposit agreement, and have the account trasferred to his (her) name.


Deposit terms

36m (1096d)



Minimum deposit amount

RUB 15 000

Deposit interest rate

Equals to the Central Bank of Russia refinancing rate

Interest payment frequency

On a monthly or quarterly basis.

Deposit replenishment

Minimum replenishment amount is RUB 1 000. Replenishment is available not later than 90 days before deposit maturity

Partial withdrawals without interest loss


Premature withdrawal

Interest rate depends on actual deposit term: less than 1 year - demand deposit rate; over 1 year - Central Bank of Russia refinancing rate less 1%