Deposit rate in dollars. The most profitable deposits in US dollars. Selecting a specific offer for a deposit
It is known that competent investors are advised not to put their eggs in one basket - to keep money in different places. For example, open a deposit, buy shares or currency. But if it’s better for many not to get involved with stocks and bonds, since you can burn out badly, then open deposits not only in rubles (see the table of interest rates for ruble deposits of Sberbank), but also deposits in foreign currency - dollars and euros - this good way investment of money.
Foreign currency deposits for Sberbank clients are a chance to earn on interest and exchange rate fluctuations in 2020.
You need to know that deposits in foreign currency in Sberbank are insured by the state, but payments, in the event of a license revocation, are made in rubles. Although, of course, Sberbank customers need not worry. The reliability of the bank is beyond doubt.
What currency deposits are there in Sberbank today
The line of savings programs of Sberbank in foreign currency includes three main types of deposits:
Save - maximum bet,
Replenish - with the possibility of replenishment,
Manage - with the ability partial withdrawal money without losing interest.
Deposits are opened both in the branch and remotely.
In what currency can I open deposits at Sberbank
Deposits in foreign currency in Sberbank of Russia today can only be opened in US dollars, and a Savings account is issued in euros.
✓ In dollars
To make a foreign currency deposit at Sberbank of Russia, it is enough to have 100 dollars. But some deposits have a minimum deposit amount of $1,000. The maximum rate in US dollars can be obtained if you open a non-replenishable deposit without partial withdrawal.
✓ In Euro
Deposits of the Savings Bank of Russia in euros are now temporarily not accepted. Clients wishing to place Eurocurrency in the bank are offered to use the Savings Account at the rate of 0.01 percent per annum.
Sberbank deposits in foreign currency in 2020: base rates
These conditions and interest rates are for regular customers who do not have premium packages.
Deposits "Save" and "Save Online"
Deposit to receive a guaranteed maximum income.
Terms
☑ Non-refillable
☑ Without partial removal.
Interest rate
without capitalization
with capitalization
|
Term and amount |
1-2 m. |
2-3 m. |
3-6 m. |
6-12 m. |
1-2 g |
2-3 g |
3 g |
|
0.65 / 0.65 |
|||||||
|
0.75 / 0.75 |
|||||||
|
0.80 / 0.80 |
|||||||
|
0.85 / 0.85 |
Deposits "Replenish" and "Replenish Online"
A replenishable deposit for those who prefer to save and save their funds regularly.
Terms
☑ Refillable
☑ Without partial removal
☑
☑ Minimum amount: 100 USD.
Interest rate
without capitalization
with capitalization
when applying at the branch and online, the rates are the same today:
|
Term / amount |
3-6 m. |
6-12 m. |
1-2 years |
2-3 years |
3 y. |
|
0.30 / 0.30 |
|||||
|
0.40 / 0.40 |
|||||
|
0.45 / 0.45 |
|||||
|
0.50 / 0.50 |
Deposits "Manage" and "Manage Online"
A deposit with the possibility of replenishing and withdrawing part of the funds without losing interest.
Terms
☑ Refillable
☑ With partial removal
☑ Minimum amount: $1,000.
Interest rate
without capitalization
with capitalization
when applying at the branch and online, the rates are the same today:
|
Term and minimum balance |
3-6 m. |
6-12 m. |
1-2 years |
2-3 years |
3 y. |
|
0.20 / 0.20 |
|||||
|
0.25 / 0.25 |
|||||
|
0.30 / 0.30 |
Sberbank Premier deposits in foreign currency: increased rates
Sberbank foreign currency deposits with higher interest rates can now be opened by clients with the current Sberbank Premier / Sberbank First service package. They are issued by a personal manager or in Sberbank Online. The line of deposits in Sberbank Premier currency is similar to the base one, only the minimum deposit amount and interest rates are higher.
Deposit "Special Save"
Available for registration only for individuals with the Sberbank Premier/Sberbank First service package.
Terms
Term: from 1 month to 3 years inclusive;
Replenishment: not provided;
not provided.
Interest rates
up to 1.15% in USD.
Deposit "Special Replenish"
Terms
Term: from 3 months to 3 years inclusive;
Minimum amount: $50,000;
Replenishment: provided;
Partial withdrawal without loss of interest: not provided.
Interest rates
up to 0.75% in USD.
Contribution "Special Manage"
Terms
Term: from 3 months to 3 years inclusive;
Minimum amount: $50,000;
Replenishment: provided;
Interest rates
up to 0.55% in USD.
Deposits of Sberbank First in foreign currency: maximum rates
The interest rates in these premium deposits are higher than those of regular deposits. But the minimum amount is higher. Deposits today can only be opened in dollars. This can only be done by customers with a valid Sberbank First service package.
Deposit "Leader Save"
Available for registration only for individuals with the Sberbank First service package.
Terms
Term: from 1 month to 3 years inclusive;
Replenishment: not provided;
Partial withdrawal without loss of interest: not provided.
Interest rates
up to 1.65% in USD.
Deposit "Special Replenish"
Available for registration only for customers with the Sberbank Premier/Sberbank First service package.
Terms
Term: from 3 months to 3 years inclusive;
Minimum amount: $150,000;
Replenishment: provided;
Partial withdrawal without loss of interest: not provided.
Interest rates
up to 1.25% in USD.
Contribution "Special Manage"
Available for opening only by individuals with the Sberbank Premier/Sberbank First service package.
Terms
Term: from 3 months to 3 years inclusive;
Minimum amount: $150,000;
Replenishment: provided;
Partial withdrawal without loss of interest: provided.
Interest rates
up to 1.00% in USD.
Conditions for calculating interest on deposits of Sberbank in foreign currency
Interest is calculated monthly.
Accrued interest is added to the amount of the deposit, increasing income in the following periods.
Accrued interest can be withdrawn, as well as transferred to the card account.
Conditions for early termination of foreign currency deposits of Sberbank
in any unforeseen situation, if you need money ahead of schedule the end of the contribution, you can always get them.
✓ on deposits for up to 6 months (inclusive) - at an interest rate of 0.01% per annum
✓ for deposits for more than 6 months:
When claiming a deposit within the first 6 months of the main (extended) term - based on the interest rate of 0.01% per annum;
When claiming a deposit after 6 months of the main (prolonged) term - based on 2/3 of the interest rate set by the Bank for this type of deposits on the date of opening (prolongation) of the deposit.
In case of early termination of the deposit, interest is recalculated without taking into account the monthly capitalization of interest.
How to open currency deposits of Sberbank
In the department:
Contact the Sberbank branch in your region with a passport or other identification document.
- Sign the deposit agreement.
- Deposit an amount in US dollars into your account.
- The deposit is open.
Remotely:
Log in to Sberbank Online and select the "Deposits and Accounts" section.
- Select the menu item "Opening a deposit".
- Read the conditions for placing funds and select the appropriate deposit. Click Continue.
- Fill out the application: select the debit account, the amount to be credited and the term. Click "Open".
- The deposit is open.
How to make currency deposits Sberbank Premier or First
Deposits in dollars are a reliable and convenient way to increase funds. Many citizens prefer to apply to financial institutions when they need a large amount of money. In most cases, this is due to the purchase of an apartment, car or household appliances. Also, the dollar bill is great option funds protection. Our website contains a variety of programs that will help you achieve your goals. The resource specialists constantly update the information and correct it in real time. Guests of our resource have the right to start searching for a program at any convenient time.
Benefits of using the site
Clients of our service are always looking for profitable financial offers. To save them time and money, we have created several useful systems:
This is a fairly convenient way to find profitable offers. In order to choose a program, you need a stable Internet connection and a smartphone or laptop.
Despite the fact that most deposits today are opened in rubles, in US dollars they are still very popular on the Russian market. The latest crisis forced many Russians to transfer their savings from American currency to domestic, but banks continue to offer dollar programs, realizing their demand.
In the "Deposits" section, you can compare the offers of various credit organizations and choose the most profitable deposit in dollars. Almost all bank deposits in dollars are presented on the Banki.ru portal, so it is not difficult to make a choice. It is enough to make a small comparison of the main parameters of the offered deposits and choose the most profitable deposits in dollars.
The situation in the Russian economy remains unstable, and inflation covers the profit on deposits. Therefore, in Lately deposits in foreign currency, and in particular in US dollars, are becoming more and more relevant.
For the convenience of depositors, we have created a rating of the most profitable deposits, which includes the largest and most reliable banks, 13 of which are designated by the Central Bank of the Russian Federation as systemically important. Their official list is not published so as not to cause an outflow of funds from the accounts of other credit institutions, but they are under strict state control.
For the analysis, deposits in US dollars with interest capitalization and the possibility of replenishment and withdrawal of funds were selected. For clarity, we separately considered the conditions of programs within the limits of the sum insured and over 700,000 rubles.
On the this moment all deposits up to 700,000 rubles are insured, and in the event that a credit institution's license is revoked, the state guarantees the return of funds within this amount. Before making a deposit, you must make sure that the bank has a license to attract funds from individuals. To do this, go to the website of the Deposit Insurance Agency and check if the selected bank is included in the system.
Despite the fact that banks offer the highest rates on deposits in excess of 700,000 rubles, they cannot provide guarantees for the return of such money. Therefore, experts recommend dividing your savings into smaller amounts and placing them in different banks.
Below is an analysis of the deposits participating in the rating, divided into certain categories.
Interest capitalized deposits
Deposits with capitalization option are especially popular. Compound interest deposits offer higher returns. Their peculiarity lies in the fact that interest is accrued at regular intervals and is added to the principal amount of the deposit. Capitalization can be daily, weekly, monthly, quarterly and yearly. However, daily and monthly capitalization is most often practiced. This means that interest is calculated monthly and added to the deposit amount. As a result, interest is charged on interest, constantly increasing the final profit.
Such deposits are suitable for clients who want to receive maximum income. Often programs with interest capitalization provide for deposits and withdrawals. However, it happens that it is not allowed to withdraw money from the deposit. Therefore, before choosing a program, you should pay attention not only to the size of the interest rate, but also to the basic conditions for placing money.
Deposits with capitalization up to 700,000 rubles
For the convenience of depositors, we separately present an analysis of deposits within the sum insured and exceeding the amount of 700,000 rubles.
Note!
Deposits in the amount of more than 700,000 rubles are not insured, and the client is responsible for their return in case of revocation of the license or bankruptcy of the bank.
Russian standard
The first place in the rating is occupied by the Rentier deposit from Russian Standard Bank, which can be issued at a branch, mobile or Internet bank. The minimum initial deposit when opening a deposit at the office of a credit institution is 30,000 rubles, 1,000 US dollars / euros, and through a mobile and Internet bank - 10,000 rubles, 300 US dollars / euros. The term of placement is 180, 360, 540 or 720 days.
During the entire term of the contract, additional replenishment of the account is allowed. When moving to the next amount range, the interest rate automatically increases. Interest is accrued monthly or quarterly, capitalized or paid to the owner of the deposit - all at the request of the client. The rate depends on the term, amount and method of registration of the deposit and is 2-3 percent per annum.
NOMOS-BANK
The second place in the rating is occupied by NOMOS-BANK with the NOMOS-MAXIMUM deposit, which can be issued at a branch or through an Internet bank. The minimum amount for placement is 10,000 rubles, 400 US dollars / euros, the term is 3 or 6 months, 1 or 2 years. The client can receive monthly income or capitalize interest and increase his income.
Replenishment and withdrawal of funds from the account before the expiration of the contract is prohibited, so the deposit is suitable for clients who are confident that they will not need money in the near future. In case of early termination of the contract, interest is accrued at the rate of 1% per annum in foreign currency. The interest rate depends on the term, the amount and is 1.6-2.98 percent per annum, taking into account capitalization.
URALSIB
The third place is occupied by the "Stable" deposit from URALSIB. The minimum deposit amount is RUB 10,000, USD/EUR 300, term - 91, 181, 271, 367, 541, 732 or 1100 days. Replenishment of the deposit is allowed. The conditions for making additional contributions can be found on the bank's website. The minimum amount is 5000 rubles, 200 USD/EUR. When replenishing via the Internet bank, the deposit amount is unlimited.
Interest is accrued monthly, paid to a separate account or capitalized at the request of the client. When moving to the next sum gradation, the interest rate increases. The rate depends on the amount, term of the deposit and is 1.2-2.6 percent per annum.
In case of early termination of the contract for terms of 91, 181 and 271 days, interest is accrued at a rate of 0.01% per annum. For terms of 367, 541, 732 and 1100 days - at a rate of 0.01% per annum if the funds were on deposit for up to 180 days, and at a special rate if the actual term of deposit placement exceeded 180 days.
Deposits from 700,000 rubles
The leaders in the rating are NOMOS-BANK with the NOMOS-MAXIMAL deposit and an interest rate of up to 3.1% per annum in US dollars and Russian Standard Bank with the Rentier deposit and an interest rate of up to 3% per annum in US dollars. The analysis of these programs is presented above, so we will consider the following participants in the rating.
Alfa Bank
Represents the deposit "Premium-regular income" from Alfa-Bank, with monthly interest. The minimum amount of placement of funds is 10,000 rubles, 500 US dollars / euros, the term is 92, 184, 276, 550 days, 1, 2, 3 years. Interest can be withdrawn monthly in cash or transferred to another account. The interest rate depends on the term, the amount of the deposit and is 0.85-2.6 percent per annum in US dollars. In case of early termination of the contract, interest is accrued at the rate of 0.005% per annum.
Rosselkhozbank
The next in the ranking is the “Cumulative” deposit from Rosselkhozbank, which is issued at a branch, through an ATM or an Internet office. The minimum initial deposit is 3,000 rubles, 100 US dollars / euros, the placement period is 91, 180, 270, 365, 540 or 730 days.
It is possible to replenish the deposit in the amount of 3000 rubles, 100 US dollars / euros, but no later than 30 calendar days before the expiration of the contract. When moving to the next sum gradation, the interest rate increases. Withdrawal of funds from the account is not provided. In case of early termination of the deposit, interest is paid at the rate "On Demand".
Interest is accrued monthly and, at the request of the depositor, transferred to the account or capitalized. The interest rate depends on the term, the amount of the deposit and is 1.05-2.4 percent per annum in US dollars.
Sberbank
The "Save" deposit allows you to get the maximum income. The term for placing funds is from 1 month to 3 years, the minimum amount is 1000 rubles, 100 US dollars / euros. Replenishment and partial withdrawal of money by the contract is not provided.
Interest is accrued monthly, at the request of the depositor, they are paid or added to the deposit amount. The interest rate depends on the amount, term of the deposit and is 0.45-2.33 percent per annum in US dollars, taking into account capitalization.
In case of early termination of the contract for up to six months, interest is accrued at a rate of 0.01% per annum. When terminating a deposit that has been in the bank for more than six months - in the amount of 2/3 of the actual rate.
Deposits with the possibility of withdrawal and replenishment
Deposits with flexible terms provide access to money at any time. Such deposits are invariably popular with depositors, because they allow them to receive additional income and at the same time manage their own savings. The client has the right to withdraw part of the money within the minimum balance and replenish the deposit to increase the final profit.
Usually, banks within the framework of these programs set the minimum amount up to which funds can be withdrawn from the account - this is the minimum balance. Sometimes it is not the minimum amount of the balance that is limited, but the maximum amount that is allowed to be withdrawn from the account.
In a volatile economy, flexible deposits are becoming increasingly popular, despite the fact that rates are usually lower than non-withdrawable offerings. If the client has critical situation, and he wants to withdraw the money, and this is not provided for by the contract, then he completely loses all profits, even if there are two weeks left until the end of the money placement period with a two-year placement period. If the agreement provides for a partial withdrawal of funds, then the depositor in this case does not lose your income.
Analysis of deposits with the maximum yield in the category up to 700,000 rubles and above.
Within the sum insured
URALSIB
The bank ranks first in the rating with the Business Class deposit. The minimum deposit amount and the minimum balance is 100,000 rubles, 5,000 US dollars / euros, the term is 181, 367, 541, 732, 1100 days. You can replenish the deposit without time limits, withdrawals are allowed within the minimum balance. Interest is calculated quarterly and added to the principal amount of the deposit. In case of early termination of the contract, interest is paid at the rate of 0.01% per annum. The interest rate depends on the term, the amount of the deposit and is 0.7-1.9 percent per annum.
Promsvyazbank
Promsvyazbank took the second place in the rating with the My Opportunities program. The minimum placement amount is USD 1,000 for Moscow and the Moscow Region and USD 500 for the regions. Term - 181, 367 or 731 days. It is possible to replenish the deposit without restrictions on the amount, but no later than 30 calendar days before the expiration of the contract. Interest is accrued monthly and, at the request of the depositor, is paid to another account or capitalized. Withdrawals are allowed up to the level of the minimum balance.
The interest rate depends on the term, the amount of the deposit and is 1.1-1.8 percent per annum in US dollars. When making a deposit through the Internet bank, the rate increases by 0.3% per annum. In case of early termination of the contract, interest is paid at the “Demand” rate, and an additional commission may be charged.
From April 3, 2014, a deposit in a branch is opened if the client has a valid contract for comprehensive banking services for individuals in Promsvyazbank OJSC.
Rosselkhozbank
Rosselkhozbank ranks third in the rating with a Managed deposit. The minimum placement amount is 10,000 rubles, 300 US dollars / euros, the term is 180, 270, 365, 540 or 730 days. Interest is calculated monthly and, at the request of the client, can be added to the deposit amount or transferred to the account. It is possible to replenish the deposit in the amount of 5000 rubles, 150 US dollars / euros no later than 30 days before the expiration of the contract. Withdrawals are allowed within the minimum balance, which is determined by the client.
The interest rate depends on the term, the amount and is 0.5-1.75 percent per annum in US dollars. In case of early termination of the contract, interest is accrued at the rate "On Demand".
Bank of Moscow
The "Maximum Growth" deposit from the Bank of Moscow with an increasing interest rate is in fourth place in the rating. The minimum placement amount is 1000 rubles, 100 US dollars / euros, the term is selected individually within the range from 91 to 1095 days. Interest is calculated monthly and capitalized or transferred to another account. Additional deposits are accepted without restrictions, and withdrawals are possible once up to the amount of the minimum balance and not earlier than 180 days after opening the deposit.
The interest rate depends on the term, the amount of the deposit and is 0.5-1.7 percent per annum. When moving to the next amount range, the bet increases. After 181 days of actual deposit in the bank, preferential conditions for early termination apply.
Deposits in the amount of more than 700,000 rubles
In the first place in the rating is Promsvyazbank with the “My Opportunities” deposit, URALSIB with the “Business Class” program is in the second place, and Rosselkhozbank is in third place. We have already reviewed the programs of the leading banks above, so we will analyze the programs that occupy the following positions.
Sberbank
The minimum amount of placement of funds under the "Manage" program is 30,000 rubles, 1,000 US dollars / euros, the period is determined individually from 3 months to 3 years. It is possible to replenish the deposit in cash in the amount of 1000 rubles, 100 US dollars / euros, and non-cash replenishment is not limited. Withdrawals are allowed within the minimum balance.
Interest is calculated monthly and, at the request of the client, capitalized or transferred to the depositor. The rate depends on the term, the amount of the deposit and is 0.6-1.85 percent per annum. When moving to the next sum gradation, the rate increases. In case of early termination of the contract for up to six months, interest is accrued at the "Demand" rate, then - 2/3 of the actual rate.
VTB 24
The bank offers the "Active" deposit. The minimum amount of the first installment is 15,000 rubles, 3,000 US dollars / euros, the term is from six months to 3 years. Additional contributions are accepted in the amount of 10,000 rubles, 500 US dollars / euros. Withdrawals are allowed within the minimum balance.
Interest is accrued monthly and paid to the account or capitalized at the request of the depositor. The rate depends on the minimum balance, term and is 0.85-1.7 percent per annum. In case of early termination of the deposit for a period of up to 181 days, interest is accrued at the “On Demand” rate, then 0.6 of the rate valid at the time of opening the deposit is paid.
In dollars are one of the most popular offers. In 2020, almost all banks offered this service. Special conditions were created for individuals who wanted to make a deposit for a large amount. And Better conditions offered by state-supported institutions.
Interest on deposits in dollars in Moscow
If you open a ruble account to preserve and increase capital, then the profit will be fixed regardless of the situation on the foreign exchange market. When the dollar opens, the yield depends on the fluctuations in the exchange rate. They can bring much more income, but there is also the possibility of risk.
Interest rates on such offers are low, but with long-term cooperation they can make a good profit. Investors can choose an offer:
- by the size of the bet;
- with the possibility of capitalization.
The latter is held at the end of each year, quarter, month or week.
In which bank to open a deposit in dollars?
Deposits in dollars are selected taking into account:
- terms;
- rates;
- withdrawal options;
- limit restrictions.
Before choosing a foreign currency deposit, it is necessary to clarify the procedure for opening it in a particular institution. You can open an account directly at a bank branch or using a special one. For convenience, we offer a list of banks where you can open a deposit in dollars. You just have to study the current offers, decide on the amount of the deposit, taking into account the limits.
Due to the difficult economic situation that has developed in the country over the past decade and led to sharp fluctuations in exchange rates, for many people, deposits in dollars in Moscow remain more preferable than a similar banking product, but in Russian rubles.
What are the conditions for making dollar deposits in Moscow?
All banks, without exception, currently adhere to the position that interest on deposits in dollars is kept at a very low level, in the region of one or two percent. This is due to the fact that deposits in Moscow banks in dollars bring their holder a profit not only in the form of interest, but also due to changes in exchange rates. IN last years there was a steady increase in foreign exchange rates, including the dollar, against the national currency. Therefore, keeping your savings in foreign currency allows you to save them from depreciation. That is why dollar deposits in Moscow remain a popular service, even at very low interest rates.
The term for making a deposit in Moscow may vary: it ranges from one month to several years. When choosing the right option, it is important to pay attention to additional conditions that affect the final profitability of the deposit, namely:
- the presence of a commission;
- the possibility of replenishment of the deposit;
- the right to partial withdrawal of funds;
- granting benefits to certain categories of citizens.
In which bank of Moscow to open a deposit in dollars?
Despite the general low level of interest rates, the choice of a bank in which it is planned to open a deposit in dollars in Moscow should be approached with the utmost care. This is due to the fact that, firstly, even a small difference in interest with a significant amount of the deposit leads to significant financial losses. Secondly, the role is also played by additional conditions on which the deposit is opened (including such as the presence of a commission, restrictions, capitalization of interest, and so on).
Fortunately, the online deposit calculator in Moscow allows you to quickly find suitable option In one place. To do this, it is optimal to use our portal, which is the most convenient resource for those who are interested in profitable deposits in dollars in Moscow. The advantages of visiting our website when looking for a suitable offer are obvious:
- it is possible to set the amount and term of the deposit, on the basis of which the automatic calculation of profitability is made;
- the presence of filters that allow you to select only those offers that meet the specified conditions;
- data in the table can be sorted by any criterion;
- offers are grouped, including by banks;
- sending an online application for registration of a deposit is available.
