On October 1, 2025, we found the best deposit at 15.29% per annum and opened a deposit of 1,000 BYN for 18 months. Let's see what we come up with.

01.10.2025
Андрей Дейнека
1.1K
On October 1, 2025, we found the best deposit at 15.29% per annum and opened a deposit of 1,000 BYN for 18 months. Let's see what we come up with.
Photo is illustrative in nature. From open sources.

We chose the most favorable interest rate for October 1, 2025 , and decided to place a deposit. For this period, we found an opportunity to place a deposit inBYN at  15.29%  per annum for a period of 18 months.

General information:

 

  • Deposit type:  Irrevocable
  • Initial amount:  1000  BYN
  • USD exchange rate at the beginning of the deposit: 3.0121 BYN
  • Starting price in USD: $331.99
  • Current (Today) amount in USD: $331.99
  • Current (calculated) USD exchange rate :  3.0121 BYN
  • Change of course: 
    +0.00%
  • Deposit term:  18  months
  • Deposit term (days):  547
  • Days passed:  0
  • Interest rate:  15.29%
  • Interest rate with capitalization (BYN):  25.57%
  • Current interest (USD):  25.57%  (deposit interest calculated in USD)
  • Current income (BYN): 0.00 BYN
  • Current income (USD): $0.00
  • Current income (USD) taking into account exchange rate changes:
    +0.00 $
  • Income (USD) (Total):  $84.90
  • Estimated Revenue ($): 
    +25.57%

 

Below we have placed a summary table with detailed information on the deposit details:

 

Date Remainder Well Change of Course Coming BYN USD BYN % %BYN - %USD BYN USD
10/01/25
1000
 331.99 3.01       0 0.00
01.11.25 1012.99 336.31 ~3.01 0.000 0.000 1.274 12.99 4.31
01.12.25 1025.72 340.48 ~3.01 0.000 0.000 1.274 12.73 4.23
01.01.26 1039.04 344.79 ~3.01 0.000 0.000 1.274 13.32 4.42
01.02.26 1052.53 349.10 ~3.01 0.000 0.000 1.274 13:49 4.48
01.03.26 1064.88 352.99 ~3.01 0.000 0.000 1.274 12:35 4.10
01.04.26 1078.71 357.31 ~3.01 0.000 0.000 1.274 13.83 4.59
01.05.26 1092.27 361.48 ~3.01 0.000 0.000 1.274 13.56 4.50
01.06.26 1106.45 365.79 ~3.01 0.000 0.000 1.274 14.18 4.71
01.07.26 1120.35 369.96 ~3.01 0.000 0.000 1.274 13.9 4.61
01.08.26 1134.9 374.27 ~3.01 0.000 0.000 1.274 14.55 4.83
01.09.26 1149.64 378.58 ~3.01 0.000 0.000 1.274 14.74 4.89
10/01/26 1164.09 382.76 ~3.01 0.000 0.000 1.274 2:45 p.m. 4.80
01.11.26 1179.21 387.07 ~3.01 0.000 0.000 1.274 15.12 5.02
01.12.26 1194.03 391.24 ~3.01 0.000 0.000 1.274 14.82 4.92
01.01.27 1209.54 395.55 ~3.01 0.000 0.000 1.274 15.51 5.15
01.02.27 1225.25 399.86 ~3.01 0.000 0.000 1.274 15.71 5.22
01.03.27 1239.62 403.75 ~3.01 0.000 0.000 1.274 14.37 4.77
01.04.27 1255.72 408.07 ~3.01 0.000 0.000 1.274 16.1 5.35
app.htmlTable.init("th_1d40a40de0")
Date Remainder Well Change of Course Coming BYN USD BYN % %BYN - %USD BYN USD
10/01/25
1000
 331.99 3.01       0 0.00
01.11.25 1012.99 336.31 ~3.01 0.000 0.000 1.274 12.99 4.31
01.12.25 1025.72 340.48 ~3.01 0.000 0.000 1.274 12.73 4.23
01.01.26 1039.04 344.79 ~3.01 0.000 0.000 1.274 13.32 4.42
01.02.26 1052.53 349.10 ~3.01 0.000 0.000 1.274 13:49 4.48
01.03.26 1064.88 352.99 ~3.01 0.000 0.000 1.274 12:35 4.10
01.04.26 1078.71 357.31 ~3.01 0.000 0.000 1.274 13.83 4.59
01.05.26 1092.27 361.48 ~3.01 0.000 0.000 1.274 13.56 4.50
01.06.26 1106.45 365.79 ~3.01 0.000 0.000 1.274 14.18 4.71
01.07.26 1120.35 369.96 ~3.01 0.000 0.000 1.274 13.9 4.61
01.08.26 1134.9 374.27 ~3.01 0.000 0.000 1.274 14.55 4.83
01.09.26 1149.64 378.58 ~3.01 0.000 0.000 1.274 14.74 4.89
10/01/26 1164.09 382.76 ~3.01 0.000 0.000 1.274 2:45 p.m. 4.80
01.11.26 1179.21 387.07 ~3.01 0.000 0.000 1.274 15.12 5.02
01.12.26 1194.03 391.24 ~3.01 0.000 0.000 1.274 14.82 4.92
01.01.27 1209.54 395.55 ~3.01 0.000 0.000 1.274 15.51 5.15
01.02.27 1225.25 399.86 ~3.01 0.000 0.000 1.274 15.71 5.22
01.03.27 1239.62 403.75 ~3.01 0.000 0.000 1.274 14.37 4.77
01.04.27 1255.72 408.07 ~3.01 0.000 0.000 1.274 16.1 5.35
app.htmlTable.init("th_1d40a40de0")

 

 

 

 

Scenario ① · No capitalization (simple interest)

Formula: Income = P × r × t

Income for 18 months 229.35 BYN
Amount receivable at the end of the term 1,229.35 BYN
Total return over the term +22,935%

This method is convenient for a head-on assessment, but it underestimates the benefit if the bank actually capitalizes interest more often than once every 18 months.

Scenario ② · Monthly Compounding

Formula: S = P × (1 + r/12)12×t

Monthly nominal rate (r/12) ≈ 1.2741667% per month
Total amount after 18 months 1,255.96 BYN
Income (interest) 255.96 BYN
Total return over the term +25,596%

With capitalization, the result is 26.61 BYN higher than the scheme without capitalization.

Effective Annual Rate (EAR)

With monthly compounding, the effective annual rate is calculated as: EAR = (1 + r/12)12 − 1

EAR (effective annual) ≈ 16.408%
Interpretation This is the "real" annual yield, taking into account interest on interest, compounded monthly.

Key findings

  • Without capitalization: you will receive approximately 1,229.35 BYN (income 229.35 BYN).
  • With monthly capitalization: receive approximately 1,255.96 BYN (income 255.96 BYN).
  • The difference between the scenarios is about 26 BYN in favor of capitalization over 18 months.
  • The effective annual return with monthly capitalization is approximately 16.41% per annum .

What can change the outcome?

  • Payment schedule: If interest is paid monthly to the card (without adding to the deposit), the result will be closer to the scenario without capitalization.
  • Taxes/Fees: Possible income taxes on interest income and bank fees reduce net returns.
  • Early termination: usually results in a reduced rate or loss of interest.
  • Bank rounding: Monthly rounding may slightly change the final penny amount.

The calculations provided demonstrate the principles and precise figures for a 15.29% annual interest rate and 18-month term. For the final assessment, use your bank's actual terms and conditions: capitalization frequency, tax regime, fees, andrules for early termination.

 

 

 

 

Tags:
депозиты, вклады, досрекоб, проверка вкладов, аудит вкладов, вы просили мы проверили, 2025

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