— The choice of currency depends on your goals. If you plan to spend money within the country, the Belarusian ruble is more convenient—you won't lose anything on conversion. Dollars and euros are suitable for long-term savings, especially if you're comparing rates against inflation. Lately, many people have been diversifying their savings by opening deposits in Russian rubles or yuan—this helps distribute risk. The main thing is not to put all your eggs in one basket, even if the exchange rate seems stable now.

• What else should you consider before opening a contract?

— A smart approach to deposits is a strategy, not a chase for the highest number on an advertising banner. Evaluate three things. First: do you need the ability to make deposits—even small, regular contributions can significantly increase the total amount. Second: are you willing to forgo early withdrawal in exchange for a higher rate. Third: how important is online access to your account for you, so you can monitor everything without visiting the bank.

• Where is the easiest place to open a deposit to save time?

— In terms of convenience, the mobile app is the best option. You can sit at home or at work, select the parameters, fill out the application, and the deposit is opened. It's not tied to office hours. But if you need a personal consultation, you can always come to a branch—they will calculate the income in detail for your specific situation.

A brief guide for those who are considering it

In most banks today, you can open deposits in five main currencies. Minimum amounts and terms vary. To estimate income beforehand, it's convenient to use the online calculator on the bank's website, and all exact conditions will be specified in the contract. If questions arise, the contact center is available.

Svetlana SEVOSTYANOVA

Photos from open internet sources