Interest is capitalized only in the case of the “Child” deposit. The capitalization of interest is carried out once a year, on January 10, by adding it to the deposit amount, and the interest rate continues to be accrued on the total deposit amount from the date of deposit.

For "Classic" deposit:
In case of requesting the deposit or a part thereof before maturity date, instead of the interests defined by agreement  interest is calculated at an annual rate of 0% for the Deposit or the requested part. If the contractual interest has already been paid to the depositor, then the Deposit is considered recovered to the extent of the interest amount already paid.

For the “Flexible” deposit:

In case the deposit or any part of it is requested before the maturity date:

• If the number of days the requested deposit (or its part) has been held with the Bank is less than 90 days, then instead of the interest rate defined in Clause 2.1 of the deposit agreement, interest shall be calculated at an annual rate of 0%. Any interest previously accrued and actually paid to the Depositor in excess of this amount shall be deducted, and the deposit shall be considered returned accordingly.
• If the number of days the requested deposit (or its part) has been held with the Bank is 90 days or more, then the interest defined in Clause 2.1 of the deposit agreement shall be calculated from the date of placement until the day preceding the withdrawal and paid to the Depositor.

For "Child" deposit:
in case of requesting the deposit or a part thereof ahead of maturity, the accrued interest is paid to the client, except for the period between the last accrual date and deposit request date for which interests are calculated at 0% interest rate.

• For the “Classic” deposit:
  Funds may be added to the deposit if it is placed with the condition of being recovered in a tenor of 274 days or more, and only up to the 180th day preceding the (extended) maturity date. The amount of additional funds cannot exceed the remaining balance of the deposit at the time of placement (extension).

• For the “Flexible” deposit:

  The Depositor may make additional contributions to the deposit (which will accrue interest at the rate defined in Clause 2.1 of the deposit agreement) up to and including the 90th day prior to the deposit maturity date, but not exceeding the maximum amount established for the deposit.

• For  “Child” deposit:
  Funds may be added to the deposit at any time and in any amount up to the 60th day preceding the deposit’s maturity date.

Yes, the interest accrued on the deposit may be transferred to the card account based on the Depositor’s instruction.