Today, November 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 find out.

02.11.2025
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Today, November 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 find out.

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: 2.9772 BYN
  • Starting amount in USD: $335.89
  • Current (Today) amount in USD: $336.04
  • Current (calculated) USD exchange rate :  2.9772 BYN
  • Change of course: 
    +0.00%
  • Deposit term:  18  months
  • Deposit term (days):  546
  • Days passed:  1
  • Interest rate:  15.29%
  • Interest rate with capitalization (BYN):  25.52%
  • Current interest (USD):  25.52%  (deposit interest calculated in USD)
  • Current income (BYN): 0.47 BYN
  • Current income (USD): $0.16
  • Current income (USD) taking into account exchange rate changes:
    +0.15 $
  • Income (USD) (Total):  $85.71
  • Estimated Revenue ($): 
    +25.52%

 

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
01.11.25 1000 335.89 2.98       0 0.00
01.12.25 1012.57 340.11 ~2.98 0.000 0.000 1.274 12:57 4.22
01.01.26 1025.72 344.47 ~2.98 0.000 0.000 1.274 13.15 4.42
01.02.26 1039.04 348.83 ~2.98 0.000 0.000 1.274 13.32 4.47
01.03.26 1051.23 352.77 ~2.98 0.000 0.000 1.274 12.19 4.09
01.04.26 1064.88 357.13 ~2.98 0.000 0.000 1.274 13.65 4.58
01.05.26 1078.26 361.35 ~2.98 0.000 0.000 1.274 13.38 4.49
01.06.26 1092.26 365.72 ~2.98 0.000 0.000 1.274 14 4.70
01.07.26 1105.99 369.93 ~2.98 0.000 0.000 1.274 13.73 4.61
01.08.26 1120.35 374.30 ~2.98 0.000 0.000 1.274 14.36 4.82
01.09.26 1134.9 378.66 ~2.98 0.000 0.000 1.274 14.55 4.89
10/01/26 1149.16 382.88 ~2.98 0.000 0.000 1.274 14.26 4.79
01.11.26 1164.08 387.24 ~2.98 0.000 0.000 1.274 14.92 5.01
01.12.26 1178.71 391.47 ~2.98 0.000 0.000 1.274 14.63 4.91
01.01.27 1194.02 395.82 ~2.98 0.000 0.000 1.274 15.31 5.14
01.02.27 1209.53 400.19 ~2.98 0.000 0.000 1.274 15.51 5.21
01.03.27 1223.72 404.13 ~2.98 0.000 0.000 1.274 14.19 4.77
01.04.27 1239.61 408.49 ~2.98 0.000 0.000 1.274 15.89 5.34
01.05.27 1255.19 412.71 ~2.98 0.000 0.000 1.274 15:58 5.23
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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% inmonth
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 some 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, ноябрь, 2025

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