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Digital Assets by Ozon Bank
I've been using Ozon Bank's Digital Assets platform to manage my finances online, and I'm impressed with how secure it is. You can rest easy knowing your investments are safe with our reliable platform.
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My Digital Assets Experience with Ozon Bank: A Mixed Bag
summarizeEditor's Summary
I invested 600,000 rubles in Ozon Bank's digital assets in May and June 2025, drawn in by high interest rates. While the app is user-friendly and the returns are higher than with traditional deposits, I'm not convinced the risks are worth it. With a 13% tax deduction and a 600,000 ruble purchase limit, I'm still weighing the pros and cons. After a week of use, I've got some thoughts to share.
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Kararİyi
Uygunluk9/10
RiskYonetimi7/10
HizmetKalitesi8/10
Hello everyone!
In May and June 2025, I made my first investment in Ozon Bank's digital assets, totaling 600,000 rubles.
I was drawn in by the high interest rate, even considering the 13% tax deduction.
At the time, these were two purchases in May and June for 400,000 and 200,000 rubles, with interest rates of 24% and 23.5% for 6 months.
The 600,000 ruble limit is the maximum purchase amount for non-accredited investors like myself.
Ozon Bank's app immediately warns you about this when you make your first purchase.
✅️Ozon Bank's product description
The app thoroughly explains the possibilities of digital assets for beginner investors.
and Ozon Bank as the issuer.
And, of course, with the Ozon Bank platform, you can also become a qualified investor if you want, and have unlimited opportunities in terms of the amount of investments.
However, any increased returns on any bank assets are always associated with risks.
Digital financial assets (DFA) from Ozon Bank are considered high-risk.
❗️Purchasing such assets may result in the complete loss of invested funds.
Some risks associated with DFA:
Lack of insurance. Investments are not insured by the Deposit Insurance Agency.
Restrictions on purchase. An unqualified investor can invest in DFA no more than 600,000 rubles per year.
Lack of opportunity to return money before term. Unlike terminating a deposit agreement, when buying DFA, you cannot sell the asset and return the invested funds.
Tax on received income. Automatically deducted at a rate of 13% on the received income.
Purchasing digital assets from Ozon Bank was a breeze for me.
Currently, DFA can be bought with a yield of 19% for 6 months.
Still, it's better than a regular deposit with the current interest rate of around 16%.
It's all done in the same way as opening an online deposit in any other bank:
all external and internal transfers are fast, buying assets is instantaneous with a detailed description of this investment
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When it was time to cash in my digital assets for 400,000 rubles, I was impressed by how smoothly the process went.
I received the total amount, including interest, minus tax, directly into my Ozone bank account – all within a few hours after lunch.
All my financial transactions confirm this.
Transferring money to my VTB bank account was just as seamless.
In my case, that meant transferring funds to my VTB bank account.
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❗️I have to say, earning 41,000 rubles in six months from an initial investment of 400,000 rubles is pretty amazing.
And if you're a seasoned investor with at least 4 million rubles invested, your returns would be a whopping 400,000 rubles.
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Now, I have 200,000 rubles left in my digital assets.
I'd love to invest in more digital assets for 400,000 rubles, but the system won't let me until a year has passed.
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✅️The Verdict
I've had a smooth experience with Ozone Bank's digital assets, and I'm hoping my remaining assets won't cause any issues down the line.
The entire process of buying assets and withdrawing funds went off without a hitch, courtesy of Ozone Bank.
The returns on my digital assets were really attractive.
❗️However, since the purchase isn't insured by the deposit insurance agency, I'd advise taking your time to weigh the risks and consider the potential for losing your entire investment.
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That's all from me, thanks for reading!
live_helpFeatured FAQ
What are the benefits of investing in Ozon Bank's digital assets?
The app is user-friendly, the returns are higher than with traditional deposits, and the interest rates are competitive, even after the 13% tax deduction.
What are the risks involved in investing in Ozon Bank's digital assets?
There are risks involved, including the potential for losses, uncertainty surrounding digital asset values, and the 13% tax deduction eating into the returns.
How do I get started with investing in Ozon Bank's digital assets?
You can download the app, create an account, and make your first purchase, which will be limited to 600,000 rubles.
What is the tax deduction for investing in Ozon Bank's digital assets?
There's a 13% tax deduction on the returns, which can make the investment less attractive.
Can I invest more than 600,000 rubles in Ozon Bank's digital assets?
No, the purchase limit is 600,000 rubles, and you'll be warned about this when making your first purchase.
How long do I have to hold my investment in Ozon Bank's digital assets?
The investment term is 6 months, although you can't withdraw your funds until the term is up.
What happens to my investment if the digital asset value drops?
Unfortunately, you may lose some or all of your investment if the digital asset value drops.
Can I withdraw my investment before the 6-month term is up?
No, you'll need to wait until the term is up to withdraw your funds.
check_circlePros
- •The app is super easy to navigate, even for a beginner like me
- •I love that the app thoroughly explains digital asset investing
- •The interest rates are indeed higher than with traditional deposits
- •I appreciate the 600,000 ruble purchase limit warning when making my first purchase
- •The app's user interface is clean and intuitive
- •The interest rates are competitive, even after the 13% tax deduction
cancelCons
- •I'm still not comfortable with the risks involved in digital asset investing
- •The 13% tax deduction eats into the returns, making them less attractive
- •I wish there were more flexible investment options beyond the 6-month term
- •The purchase limit is a bit restrictive, especially for non-accredited investors
- •I'm not a fan of the uncertainty surrounding digital asset values
- •The app could do a better job of explaining the potential downsides of digital asset investing
