More and more people are thinking about the need to create savings to ensure their future. For this, money is accumulated and multiplied in various ways - playing on the stock exchange, investing in real estate, and so on. At the same time, a bank deposit, thanks to the deposit insurance system, remains one of the safest ways to accumulate money. At the same time, a deposit is not just a "dead weight", it can be managed, for example, transferring money from one deposit to another. How can this be done?
It is necessary
- - passport;
- - a computer;
- - access to the Internet;
- - an agreement on the opening of a bank deposit.
Instructions
Step 1
Find out the specifics of withdrawing funds from your deposit. Some deposits provide for a moratorium on the withdrawal of funds within a certain period, other deposits - a decrease in interest on the amount withdrawn as on an early demanded deposit. Carefully calculate the pros and cons of withdrawing some of the money from the deposit. You can find information about the peculiarities of the deposit in your copy of the deposit opening agreement or in the branch of your bank. If you know the name of the deposit, the bank can also advise you by phone.
Step 2
Specify in what currency the deposit is open and find out the rate of this currency in your bank. Calculate the profitability of the rate at the time when you are going to transfer funds if your deposits are open in different currencies.
Step 3
Come to your bank branch with your passport. The addresses of the branches can be found on the website of your bank or by calling the hotline. Contact the operator in the branch and explain how much and to what deposit you want to transfer. If you want to open a new deposit at the same time, choose the one that suits you in terms of time, interest and currency and sign all the documents presented to you by the specialist to formalize your decision.
Step 4
If you withdraw the entire amount from the deposit, you will need to close the deposit. To do this, sign an application for early closure of the account, which the operator will prepare for you, and receive the interest due to you.
Step 5
Next, write an application for the transfer of funds, the form for which will again be given to you at the bank branch. Transfer of funds between deposits is made without commission.
Step 6
If your bank provides the opportunity to use Internet banking services, you can transfer money from account to account directly on the website. To do this, get a login and password to access your accounts, go to the "Internet Bank" section on the website of your financial institution and follow the instructions of the system.
