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.
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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
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| 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 |
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.
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