If you want to invest in a deposit, however, you never know when you will need the invested funds, the "Flexible" deposit is just for you. Invest in Inecobank's "Flexible" deposit and reduce the deposit amount any time still getting high yield.
You can invest in "Flexible" deposit both at the Bank’s branches and through InecoOnline and InecoMobile systems, thus avoiding queues and saving your time.
When investing in deposit at Inecobank branches and in Central Office for one year or more period the following tariffs shall apply:
For deposits in AMD, 0.25 points lower rate is applied compared to the established interest rate
For deposits in USD, 0.15 points lower rate is applied compared to the established interest rate
For deposits in a Euro/RUB, the interest rate for digital solutions set for the respective currencies is applied.
"Flexible" deposit cannot be replenished.
In case of partial or full withdrawal of the “Flexible” deposit amount before the agreement term, the interest rate stipulated by the agreement will continue to be calculated on the balance. For termination of agreement or partial withdrawal of deposit amount, the interest will be recalculated based on the below-mentioned chart:
Termination/partial withdrawal month*
Recalculation % applied for terminated/partially withdrawn amount
up to 3 months
at the annual interest rate set for “Demand” deposit operating at the Bank as of the moment
3 (inclusive) to 6 months
2.5 points less than the interest rate specified in the agreement, but not less than the annual interest rate specified for “Demand” deposit
6 (inclusive) to 12 months
1.5 points less than the interest rate defined in the agreement, but not less than the annual interest rate defined for "Demand" deposit
12 (inclusive) to 24 months
0.5 points less than the interest rate defined in the agreement, but not less than the annual interest rate defined for "Demand" deposit
24 months and more
the interest rate specified in the agreement shall be applied, but not less than the annual interest rate specified for “Demand” deposit
Interest payment frequency
When investing in deposit for a period of 3 (three) months and more, the interests can be paid monthly, with 0.5 points less than specified in the corresponding chart.
When investing in deposit for a period of 15 (fifteen) months and more, the interests can be paid annually, with 0.25 points less than specified in the corresponding chart.
