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Profitable and reliable deposits. In which bank to open a deposit at a high interest rate? From the term of placing money in the bank

In the largest city of Russia - Moscow - the maximum number of banks is represented: according to various sources, from 450 to 470, including representative offices and branches of regional financial and credit institutions. The investment options he offers are simply enormous. If you look for high-interest deposits in Moscow banks today, the first 20 banks are not necessarily the largest institutions. They just give a yield slightly below average, since they have sufficient capital for investment. But smaller organizations actively engage customers by offering interesting offers and various options investment of funds.

Which bank should be preferred

Naturally, you should not go to the first bank that offers a sufficient percentage. It should be analyzed in at least several ways:

founders and partners - it may well turn out that "at the helm" are people who are hardly worth trusting;
the financial condition of the bank - it can be traced from the reports published on the website of the Central Bank, pay special attention to the ratio of assets and liabilities, profit received for the reporting period and the size of the authorized capital (the more the better);
position in international and national ratings, including "people's" (on the sites banki.ru or sravni.ru);
availability of insurance - if the deposits are insured in the DIA, then nothing threatens the client's funds when the license is revoked from the bank.

You should not look only for profitable deposits in Moscow banks today - you need to pay attention to their features that will help you draw up the right investment strategy:

term of the deposit;
whether early withdrawal is possible and under what conditions;
interest payment procedure;
the presence or absence of capitalization;
the possibility of replenishment;
does the interest increase with an increase in the amount of savings, etc.

The highest rates on deposits in Moscow banks today: the first 20

Among the many banks in the capital, 100 of the largest were selected, and 20 of the most profitable were selected from the deposits offered by them. Other selection criteria:

currency - ruble;
the minimum amount is 100,000;
term - not less than 1 year.

These parameters helped to choose the most high stakes on deposits in Moscow banks today, which are listed in the table (if one bank offers two or more deposits, the most profitable one was included in the rating).

Bank's name	Name of deposit	Bid	Minimum amount	Interest calculation procedure	Replenishment	Withdrawal
Tauride	Festive	12.3	50000	Monthly, capitalization	Yes	Not
Novikombank	Favorite	12.25	10000	At the end of the term	Not	Not
International Bank of St. Petersburg	Capital	12.2	50000	At the end of the term	Not	Not
Promsvyazbank	Premium	12	3	At the end of the term	Yes	Yes
Vanguard	passbook	12	100000	At the end of the term	Not	Not
BFG-Credit	Loyal	11.75	100000	At the end of the term	Yes	Not
BFA bank	Contribution #1	11.25	30000	Monthly, capitalization / withdrawal to the account	Not	Not
Peresvet	Rational	11.2	30000	At the end of the term	Yes	Yes
Transcapitalbank	Growth time. Spring	11.16	20000	Quarterly	Not	Not
Globex	Accurate calculation online	11.15	100000	At the end of the term	Not	Not
Trust	Our people	11.1	30000	At the end of the term	Not	Not
Investtorgbank	Fabulous Percentage	11.07	50000	Quarterly	Not	Not
Credit Bank of Moscow	All Inclusive Online	11	1000	At the end of the term	Not	Not
Credit Europe Bank	Urgent	11	3000	At the end of the term	Not	Not
MetallinvetBank	Maximum income	11	10000	At the end of the term	Not	Not
Uniastrum Bank	Large percentage	11	20 000	At the end of the term	Not	Yes, within the minimum
Finprombank	My conditions	11	30000	Monthly, capitalization	Yes	Not
Military Industrial Bank	spring story	11 (growing)	50000	At the end of the term	Yes	Not
Center-Invest	grow big	11	50000	Annual capitalization	Yes	Not
Education	Base	11	100000	At the end of the term	Not	Not

TOP-50 foreign currency deposits in Moscow banks at the maximum percentage

In connection with the depreciation of the ruble, many customers have awakened interest in foreign currency deposits. At the same time, Russians invest not only in the purchase of dollars and euros, but also acquire exotic currencies - pounds, francs, yen, Australian dollars, in recent times Yuan and "Canadian" are gaining popularity. However, the most popular is still the US dollar.

currency - dollar;
amount - from 1,000;
term - at least 1 year;
bank is one of the 200 largest.

It should be noted that some deposits in foreign currency in Moscow banks at the maximum percentage in the TOP-50 are included in the multi-currency deposit, which will be noted if this is not clear from the name of the deposit. For such deposits, it will not be possible to invest only in the dollar, it will be necessary to purchase rubles and euros (or other currencies stipulated by the agreement) in a minimum amount.

Bank's name	Name of deposit	Bid	Minimum amount	Interest calculation procedure	Replenishment	Withdrawal
Tauride	Urgent	3.8	1000	Monthly, capitalization	Yes	Not
Globex	Accurate calculation online	3.35	200	At the end of the term	Not	Not
Binbank	Standard	3.2	100	Monthly	Not	Not
Yugra	25 years of reliability	3.1	500	Monthly	Yes	Yes
Promsvyazbank	Premium	3	3	At the end of the term	Yes	Yes
Globex	Rentier online (multi)	3	300	Monthly	Yes	Yes
Novikombank	Favorite	3	300	At the end of the term	Not	Not
BFA bank	Contribution #1	3	500	Monthly, capitalization	Not	Not
Binbank	Max percentage	2.9	300	At the end of the term	Not	Not
Trust	Our people	2.9	500	At the end of the term	Not	Not
Trust	generous interest	2.9	500	At the end of the term	Not	Not
Tauride	Multicurrency	2.8	710	At the end of the term	Yes	Not
Finprombank	My conditions	2.8	1000	Monthly, capitalization	Yes	Not
Yugra	Multicurrency basket	2.8	1000	At the end of the term	Yes	Not
Credit Europe Bank	Urgent	2.75	100	At the end of the term	Not	Not
Loco-bank	Spring in the black (multi, dollar+euro)	2.75	300	At the end of the term	Not	Not
Globex	Bonus online	2.7 (growing)	200	At the end of the term	Yes	Yes
MDM Bank	Max percentage	2.7 (growing)	300	At the end of the term	Not	Not
Binbank	Monthly income	2.65 (growing)	300	Monthly, payment to the account	Yes	Not
Trust	Multicurrency 2016	2.65	500	At the end of the term	Yes	Not
Yugra	Growing income	2.63	1000	At the end of the term	Yes	Not
SMP Bank	maxima	2.6 (growing)	50	Monthly, capitalization	Yes	Not
Investtorgbank	Optimal	2.6	100	At the end of the term	Yes	Not
Promsvyazbank	my benefit	2.6 (growing)	300	At the end of the term	Not	Not
Military Industrial Bank	spring story	2.6 (growing)	1000	At the end of the term	Yes	Not
Finprombank	Practical	2.6	1000	At the end of the term	Yes	Yes
Peresvet	Knight	2.6	1000	Monthly	Yes	Yes
All-Russian Bank for the Development of Regions	smart money	2.5	1	At the end of the term	Yes	Not
Raiffeisenbank	Triple benefit (multi)	2.5	1	At the end of the term, annual capitalization	Not	Not
Home Credit Bank	Profitable year	2.5	100	Monthly, capitalization	Yes	Not
OTP Bank	Cumulative	2.5	300	At the end of the term	Yes	Not
Ural Bank for Reconstruction and Development	Cumulative	2.5	300	Daily	Yes	Not
BFA bank	Accumulation strategy	2.5	500	Monthly	Yes	Not
Metallinvestbank	Maximum income	2.5	1000	At the end of the term	Not	Not
Trust	Retirement income	2.45	100	At the end of the term	Yes	Yes
St. Petersburg	Deposit online	2.4	100	At the end of the term	Not	Not
Education	Base	2.4	200	At the end of the term	Not	Not
Binbank	Multicurrency	2.4	410	At the end of the term	Yes	Not
Bank Finservice	Convenient	2.35	1	Monthly, capitalization	Yes	Not
Credit Europe Bank	Cumulative	2.35	100	At the end of the term	Yes	Yes
Rosselkhozbank	Classic online	2.35	100	At the end of the term	Not	Not
MDM Bank	MDM - The Magnificent Seven	2.35	1000	At the end of the term, capitalization daily	Yes	Yes
Military Industrial Bank	Comfortable	2.3 (growing)	100	At the end of the term	Yes	Yes
BFG-Credit	Classical	2.3	300	At the end of the term	Yes	Not
Absolut Bank	Absolute maximum +	2.3	1000	At the end of the term	Not	Not
Eastern Express Bank	Oriental	2.25	500	Monthly, capitalization	Not	Not
Renaissance Credit	Renaissance Profitable	2.25	500	At the end of the term	Not	Not
Tinkoff Bank	SmartDeposit	2.25	1000	Monthly capitalization	Yes	Yes
Moscow Industrial Bank	Classical	2.25	1000	At the end of the term	Not	Not
Education	Maximalist	2.2	100	Monthly, capitalization	Yes	Not

All banks are interested in attracting as much money from depositors as possible to their accounts. To this end, there is a wide range of deposits. High interest is not always accompanied by the convenience of account management. Before choosing a banking program, you need to carefully weigh the pros and cons, and consider further possibilities for using the deposit.

In this article:

Choosing the right investment

With all the differences, deposits can be conditionally divided into three groups, depending on the possibilities of managing accounts: income-generating (without the possibility of replenishing and withdrawing money), replenished and with the possibility of using funds.

Choose the most high percent easy, but what if you urgently need money? Here, savings programs with the right to partial / full withdrawal of money come to the rescue. Having cashed out some part of the funds, the client does not close the deposit, and in some cases does not even lose interest.

In the presence of free funds, income can be increased by increasing the amount of the deposit, thanks to the right to replenish it. A standard "profitable" banking product, as a rule, does not include such an opportunity. Its functions are to capitalize interest from month to month until the end of the contract period without the ability to manage and use the funds ahead of schedule. Standard deposits have the highest yield, depending on the amount of the deposit and the investment period.

The conditions for making deposits in various banks are relatively equal:

You need to select a specific offer.
Deposit an amount not lower than the indicated minimum.
Present an identity document.

Below are the most profitable deposits in Moscow banks, depending on their capabilities.

Income deposits

Bank of Moscow "Correct Answer"

Interest rates up to 11% in rubles.

Deposit - from 100 thousand rubles.

BinBank

Annual interest up to 10.75% in rubles, 3% in US dollars, up to 2.45% in euros. Opening - from 10 thousand rubles, 300 $ and 300 €.

PromSvyaz Bank "My Benefit"

Interest rates up to 10.5% in rubles, 2.2% in US dollars, up to 1.15% in euros. Opening - from 10 thousand rubles, 300 $ and 300 €.

Alfa Bank

Interest rates up to 10.29% in rubles, 2.59% in US dollars, up to 1.12% in euros. Opening - from 10 thousand rubles, 500 $ and 500 €.

UniCredit Bank

Interest rates up to 9.5% in rubles, 3.5% in US dollars, up to 1.5% in euros. Opening - from 100 thousand rubles, 1500 $ and 1500 €.

VTB 24 Profitable

Interest rates up to 9.2% in rubles, 1.95% in US dollars, up to 0.8% in euros. Opening - from 200 thousand rubles, 3000 $ and 3000 €.

Deposit calculator

Deposit amount

Interest rate (%)

Deposit term (month)

monthly interest

Reinvested withdrawn

Gazprombank "Perspective"

Interest rates up to 9% in rubles, 1.5% in US dollars, up to 1% in euros. Opening - from 15 thousand rubles, 500 $ and 500 €.

Replenished deposits

Bank Trust "Accumulative"

Annual rate up to 10.65% in rubles, 2.45 in US dollars, up to 1.7% in euros. Opening - from 30 thousand rubles, 500 $ and 500 €.

PromSvyaz Bank "Maximum Opportunities"

Interest rates up to 10% in rubles. Contribution - from 300 thousand rubles.

Gazprombank Accumulative

Annual rate up to 8.8% in rubles, 1.4 in US dollars, up to 0.9% in euros. Opening - from 15,000 rubles, $ 500 and 500 €.

VTB 24 Accumulative

Interest rates up to 8% in rubles, 1.85% in US dollars, up to 0.7% in euros. Opening - from 200 thousand rubles, 3000 $ and 3000 €.

Raiffeisen Bank Personal Choice

Interest rates up to 8% in rubles, 0.5% in US dollars, up to 0.01% in euros. Opening - from 50 thousand rubles, 3000 $ and 3000 €.

Sberbank "Replenish"

Interest rates up to 7.1% in rubles, 1.85 in US dollars, up to 0.91% in euros. Opening - from 1000 rubles, 100 $ and 100 €.

Deposits with early withdrawal

Bank Trust "All Inclusive" with the possibility of replenishment

Interest rates up to 10.4% in rubles, 2.35 in US dollars, up to 1.4% in euros. Opening - from 30,000 rubles, 500 $ and 500 €.

Gazprombank. Product "Dynamic" has an additional possibility of replenishment of deposits.

Interest rates up to 8.7% in rubles, 0.95% in US dollars, up to 0.55% in euros. Opening - from 15 thousand rubles, 500 $ and 500 €.

Rosbank "Optimal"

Interest rates up to 7.6% in rubles, 1.1% in US dollars, up to 0.2% in euros. Opening - from 50 thousand rubles, 2000 $ and 2000 €.

UniCredit Bank. Deposit "Universal" allows you to top up your account.

Interest rates up to 7.5% in rubles, 0.25% in US dollars, up to 0.25% in euros. Opening - from 10 thousand rubles, 300 $ and 300 €.

Sberbank "Manage"

Interest rates up to 6.59% in rubles, 1.64 in US dollars, up to 0.35% in euros. Opening - from 30,000 rubles, $ 1,000 and € 1,000.

Content

To be able to earn good money is a great art, but more importantly, to keep it and increase it. Paper money hidden in a secret place depreciates over time and loses its purchasing power. Investors with experience know that in order to grow savings, it is necessary to create an investment portfolio. Money should be placed in different financial institutions under different deposit programs and interest, and in such operations the most profitable deposit is accompanied by increased risks.

What does a profitable bank deposit mean for individuals

A wide range of deposit offers and shares, the difference in interest rates, parameters and terms of placement should not distract from the main task of maintaining your savings. In order to choose the most profitable deposit, at the first stage it is necessary to determine the reliability of the commercial financial structure. The next step is the assessment of profitability, which depends on the annual deposit rate, capitalization period and the possibility of replenishing the deposit account. Many depositors require the freedom to withdraw their funds at their convenience.

The purpose of the deposit

To choose the right deposit program, decide on the amount you want to invest and the period after which you will need this money. These initial data make it possible to determine your purpose of the deposit - to receive a short-term income or to steadily accumulate funds with additional replenishment of the account. It is more profitable for bankers to deal with a client who invests money for a clearly defined period. This provides an opportunity for a banking institution to plan its credit and financial operations for the same long periods.

How to choose the most profitable deposit

To protect citizens' money, there is a bank deposit insurance program. In case of loss by the bank of the money invested by the borrower, compensation is made in the amount of 1,400,000 rubles per deposit. Given this amount, it is worth making investments in several banks. Choosing the most reliable of them will simplify the solution of the problem of depositing a large amount. The population of the country, workers and pensioners have the opportunity to compare the services of banks, and choose the most profitable deposits. A balanced deposit portfolio should contain both highly profitable and highly reliable investments.

Interest rates on deposits

After choosing a bank to determine the most profitable contribution, you should decide on the maximum interest rates and the final reward. The resulting, or effective interest rate, taking into account the additional deposit of cash, commissions differs from the nominal one. Large financial institutions do not offer the highest yield, as they guarantee reliability with large amounts of ruble and foreign currency deposits. Smaller ones increase rates, introduce attractive conditions for capitalization, replenishment, and try to attract depositors.

Interest capitalization

Let's say you made your first deposit for 3 months. After the end of this period, 0.25 of the annual interest rate for the selected deposit program is credited to your deposit. You add the amount of accrued interest to the main deposit, and leave the total amount of money for the next 3 months. This process is called capitalization of the received profit. A simple calculation shows that the shorter the capitalization period, the greater the final income at the end of the deposit period. The term of capitalization varies from 1 month to the full period of the deposit.

Deposit amount

Russian legislation does not limit the minimum and maximum amounts of investments. With small deposits, it is worth using the amount of compensation for their insurance for calculation. The probability of bank failure in the era of global global crisis remains high. With large amounts of investments, from 10 million and above, it is worth choosing reliable institutions. The amount of the deposit directly affects the interest rate. The higher the minimum threshold for entering the deposit program, the higher the interest rate. This applies equally to ruble and foreign currency deposits.

Deposit currency

One of the main factors for an investor is the determination of the deposit currency. The ruble is subject to inflation and exchange rate fluctuations, but it has the highest stakes. The dollar and the euro are more stable currencies attracted at a lower percentage. It is worth noting that the difference in currency greatly affects the additional conditions for deposits. For the dollar or euro, banks impose restrictions on free replenishment and early full or partial withdrawal of funds. The manager of the institution will tell you how to take advantage of the available foreign exchange programs.

Possibility to replenish the deposit

Some profitable deposit agreements make it possible to replenish your account at any time. There are programs under which you can only add funds after a certain period of time. The scheme for making replenishment of the deposit account is a quarterly table, which describes the change in the interest rate. This change looks like a ladder with 0.5-1% steps, with the highest rate in the 1st quarter and the lowest in the last. There has been a widespread ban on replenishment in recent months.

Interest withdrawal

The term of the deposit specified in the deposit contract determines the time after which the depositor has the opportunity to gain access to his deposit account and dispose of the money at his own discretion. In the case of monthly capitalization of interest, their withdrawal will hinder the growth of your asset. There are rules by which your income is transferred to an additional account. Sberbank offers Savings Certificates, the most profitable of which, with a face value of 100 million rubles or more, bring an income of 7.2%.

Where to open a deposit at a high interest

Name	Program
	"Savings account"
Rosselkhozbank	"Investment"
	"Maximum Online"
Moscow credit bank	"All inclusive - maximum income online"
Opening	"Extra Bonus"
Promsvyazbank	"My income (online)"
Gazprombank	"Perspective"
Alfa Bank	"Accumulation" on demand
Sberbank	"Save OnL @ yn"

Which bank is the most profitable in terms of deposits

A study by our experts showed that the Development Bank offers a large percentage of deposits. The rate on ruble deposits of the Premium program for 12 months depends on the amount of the deposit. With a minimum amount of 15 million rubles, the maximum rate is 14%, and with a deposit of more than 30 million rubles for 1 year - 14.3%. Interest is accrued and capitalization is made at the end of the term with the possibility of replenishment. Attractive annual rate for other currencies. With an amount of 5 million dollars or euros, the rate is 7%.

The highest interest rates on deposits today

The table shows profitable deposits of Russian banks.

Name	Program
	"Your pension" effective rate	31 to 744 days
Rocketbank	Early termination rate 0.1% per annum
Sovcombank	"Maximum income" for a period of 90 to 181 days
Crocus Bank	"Urgent-360 (% at the end of the term)"
Confidence	"Golden time!" replenishment 90 days
Eastern Express Bank	"VIP deposit" monthly interest
	"Deposit No. 1" with capitalization	Up to 735 days
Baltinvestbank St. Petersburg	"Absolute CHAMPION+"	272-366 days
Bank Master Capital	"Savings"	From 30000 rub.
Bank Zenith	"Urgent Premium"	From 5 million rubles

Profitable deposits in rubles

Given the availability for most depositors, the most profitable deposit offered by the Asia-Pacific Bank. At the entrance from 125 thousand rubles under the programs "Future" and "Investment" the rate is 10.5%. The second most popular program "Katyusha" provides for 8.8% per year. Unicredit on deposits offers a yield in rubles - up to 9.8% per annum, in dollars - up to 3.23% and up to 1.18% - in euros. The deposit "Maximum" of Inbank will bring 9.38% per year with terms from 1 to 36 months, with the possibility of replenishment, monthly capitalization, partial withdrawal and a minimum entry amount of 50,000 rubles.

To choose the most profitable deposit and the right investment strategy, you should contact experienced investors. Managers of financial institutions will not be able to help you choose the most profitable deposit. Each of them is interested in attracting depositors to their bank. A competent portfolio investor will help analyze the effectiveness of your investments. The final income and the resulting interest rate differs from nominal and promotional offers. It is necessary to take into account additional bank commissions for transferring money to accounts, conversions in the calculations.

It is worth considering the possibility of investing part of the free funds in different currencies, in gold and other precious metals. AT last years, the largest banking structures of the world choose bitcoin as a reserve currency. Competent financial reviews of analytical sites will help you choose the best behavior, and teach you how to choose the right strategy and tactics for using financial resources to create passive income, show you new directions for acquiring assets and the most profitable investment.

Profitable deposits in foreign currency

We have considered the most profitable deposit in foreign currency from Development Bank, but deposits with a high interest rate are offered to large investors. The average yield in foreign currency for Russian banks varies from 1 to 2% per annum. Taking into account the factors of reliability, prevalence, accessibility, the most profitable deposit from Alfa-Bank Pobeda + with a rate of 1.97% per annum in dollars is attractive.

The effective deposit income rates for the dollar are higher than for the euro. The European currency under the influence of the geopolitical problems of Europe, in recent years, shows its instability. The ongoing change of political elites on the European continent, the new US president, the growing tension between the superpowers, the prospect of several countries leaving the European Union do not add stability and prospects for investors to the euro.

Deposits in Moscow banks at the maximum percentage

The best deposit rates are offered by Moscow banks. BCS, with amounts from 500,000 to 1,000,000 for clients who have concluded DCBO in subsidiaries located in Moscow, launched the Superdeposit program, the most profitable deposit with an annual yield of 9.3%. Absolut Bank with the Progressive Income deposit will raise your income by 9.15% per annum. Ziraat Bank Moscow in its "Term" deposit with an entry amount of 90,000 rubles will offer 9% per year with the possibility of replenishment, capitalization and prolongation of the contract for 730 days.

The Ural Interregional Bank offers to deposit from 10,000 rubles to the “Profitable” deposit at a rate of 8.8% and for a period of 91 days to 1 year. The interest rate under the "Maximum Online" program from Dolinsk Bank is from 7.35%. In Center-invest Bank, the project "Urgent for 1 year with auto-prolongation" at 8.3% from 15 million rubles. "Own people" in the National Bank "Trust" will receive 8.85%.

The deposit “Maximum Interest (online)” of BinBank provides for a rate of 8.5% from six months, but with interest paid at the end of the term. Under the All Inclusive - Maximum Online Income program of the Moscow Credit Bank, 7.75% is charged on cash contributions from 185 days with a monthly capitalization. Credit Europe Bank offers the "Optimal +" deposit at 8.75% with a monthly income payment, and "Rentier" at 8.6%.

On June 2, 2019, Moscow Industrial Bank launched the Spring Traditions program with an interest rate of 8.38% per annum with a minimum start of 30,000 rubles for a period of 360 days. The main characteristics are the payment of income and capitalization quarterly, preferential termination, replenishment in periods with a "ladder" yield from 9.5 to 7%. The "Tradition of Success Maximum" offered by Promsvyazbank provides an income of 8.8% per annum in rubles. The "Investment" deposit will bring 8.6% with terms of 180 days with replenishment, capitalization and preferential termination.

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Discuss

Which bank has the most favorable conditions for deposits and a high percentage of the deposit

Passive income - nice bonus to the salary. There are many places where people often invest in the hope of creating money: playing the foreign exchange market, investing in cryptocurrencies, investing in company stocks and more. But these methods do not guarantee results. When depositing money for any purpose, you should be aware of the risks and be prepared for defeat and loss of finances.

The least risky way to increase profits on a consistent basis is − Bank deposit. An individual provides the bank with his savings, for which the bank monthly or annually pays a certain percentage of the invested amount.

The best interest on deposits in banks

Trust finance should be only reliable structures. This is one of the main criteria according to which depositors choose a bank. Banking crises are not uncommon these days. It is good to have confidence that your bank will not collapse during the next period of financial difficulties.

The second important parameter is the interest rate. This is the money that you will receive as a net profit from the contribution. It is desirable that there is not only a high percentage, but also accompanying conditions that are comfortable for the investor. Passively accumulated funds can subsequently be increased by starting.

To combine the reliability of the bank and profitability, we have compiled an up-to-date list of the most profitable deposits.

"My income" (Promsvyazbank)

Conditions:

currency - rubles;

the minimum amount is 100,000 rubles;

terms and interest:
at 91 days - 6.6%;

for 181 days - 6.7%;

for 367 days - 6.7%.

Among the bank's programs, this deposit has the highest interest rate. If the client wishes to terminate the contract ahead of schedule, preferential terms will make the process fast and with minimal losses. It is impossible to withdraw part of the money or replenish the deposit amount during its validity.

Interest is paid at the end of the agreed period to the same account in which the initial deposit was placed. If you close the deposit later than the deadline, only half of the accumulated interest will be paid, so be punctual. To open a deposit, contact either your local Promsvyazbank office or PSB-Retail, available online.

"Maximum income" (Moscow Credit Bank)

Conditions:

the minimum amount is 1000 rubles; $100; 100 euro;

terms and interest for deposits in rubles:
for 95 days - 5.75%;

for 185 days - 6.25%;

for 370 days - 6.75%.

for 95 days - 0.75%;

for 185 days - 1.10%;

for 370 days - 1.45%.

for 95 days - 0.01%;

for 185 days - 0.20%;

for 370 days - 0.55%.

According to the primary contract, interest is paid at the end of the term. However, the bank has created the ability to connect additional options. So, the investor can partially withdraw the invested funds, replenish the account, and also demand interest on a monthly basis. In order to activate one or more of the described services, an additional contract must be concluded.

In the presence of additional conditions to interest allowances are provided. If the client has an annual program "Package of services", 0.25% will be added to deposits in rubles, and 0.15% in foreign currency. The same amount of allowances is possible if you open a deposit not at the bank office, but in MKB-Online or in the MKB terminal. If you do not close the deposit on time, its validity is automatically extended in ascending order. And after an unclosed year, another 95 days will be added.

"Maximum income" (Sovcombank)

Conditions:

currency - rubles, dollars euro;

the minimum amount is 30,000 rubles; $5,000; 5000 euros;

terms and interest when opening a ruble deposit in the office for up to 1 year:
upon termination within 31–90 days - 6.6 / 7.6% (Halva card);

upon termination within 91–180 days - 7.0/8.0% (Halva card);

upon termination within 181–270 days - 6.6 / 7.6% (“Halvah”);

upon termination within 271–365 days - 6.6 / 7.6% (“Halvah”).

terms and interest when opening a ruble deposit in the office for up to 3 years:
upon termination up to 90 days - 6.8 / 7.8% (Halva card);

upon termination up to 180 days - 7.2 / 8.2% (Halva card);

upon termination up to 365 days - 6.8 / 7.8% (Halva card);

upon termination up to 730 days - 6.0 / 7.0,% (Halva card);

upon termination up to 1095 days - 6.0/7.0% (halva card).

terms and interest when opening a ruble deposit through the Internet bank for up to 1 year:
upon termination within 31–90 days - 6.6%;

upon termination within 91–180 days - 7.0%;

upon termination within 181-270 days - 6.6%;

upon termination within 271-365 days - 6.6%.

terms and interest when opening foreign currency deposits:
in US dollars for 271–365 days - 1.55%;

in US dollars for 1095 days - 3.00%;

in euros for 271–365 days - 1.00%.

Partial withdrawals are not allowed, but deposits are allowed. The minimum replenishment amounts are 1000 rubles, 100 dollars or euros. Interest is paid after the end of the deposit term.

"Reliable" (Opening)

Conditions:

currency - rubles, dollars, euros;

the minimum amount is 50,000 rubles; 1000 US dollars; 1000 euros;

terms and interest:
for ruble deposits for 91 or 191 days - 6.42–7.30%;

in US dollars for 91 or 181 days - 0.20–0.80%;

in euros for 91 or 181 days - 0.10%.

The accrued interest is paid every month. Capitalization is possible: this means that with each new interest accrual, the previous ones are added to the initial deposit amount. The rate increases if you own a Pension Card of this bank.

"Maximum Interest" (Binbank)

Conditions:

currency - rubles, dollars, euros;

deposit term - from 3 months to 2 years;

the minimum amount is 10,000 rubles; $300; 300 euros;

terms and interest for ruble deposits:
when opening at a bank branch - 6.10-7.30%;

for individuals(pensioners) - 6.25-7.45%;

when opening via the Internet - 6.30-7.50%.

terms and interest for deposits in US dollars:
when opening at a bank branch - 0.55-1.65%;

for individuals (pensioners) - 0.55-1.65%;

when opening via the Internet - 0.55-1.65%.

terms and interest for deposits in euros:
when opening at a bank branch - 0.01%;

for individuals (pensioners) - 0.01%;

when opening via the Internet - 0.01%.

During the period of the deposit, it is impossible to replenish it, withdraw part of the money or receive monthly payments. The entire invested amount, together with interest, is returned to the depositor after the end of the agreed period.

"Profitable" (Rosselkhozbank)

Conditions:

currency - rubles, dollars;

terms of deposit opening - from 31 to 1460 days;

the minimum amount is 3000 rubles; $50;

interest rate for ruble deposits - up to 6.70%;

interest rate for deposits in US dollars - up to 2.45%.

One of the most comfortable conditions. An individual can receive interest even on small deposits for a short period. It is impossible to replenish and spend funds, but there are several options for operations with interest: capitalization and monthly withdrawal to the account are available.

Profitable (VTB 24)

Conditions:

currency - rubles;

minimum amount:
when opening an online deposit - 30,000 rubles;

when opening a deposit in a bank branch - 100,000 rubles.

terms and interest when opening a deposit in a bank branch:
for a period of 3–5 months - 6.20/6.23%;

for a period of 6 months - 6.20/6.28%;

for a period of 13–18 months - 5.90/6.15%;

for a period of 18–24 months - 5.70/6.02%;

terms and interest when opening a deposit online:
for a period of 3–5 months - 6.60/6.64%;

for a period of 6 months - 6.60/6.69%;

for a period of 6–13 months - 6.15/6.23%;

for a period of 13–18 months - 6.10/6.29%;

for a period of 18–24 months - 5.90/6.15%;

for a period of 24–36 months - 5.70/6.02%;

for a period of 36–61 months - 3.10/3.25%.

This deposit has increased profitability, but when withdrawing funds before the end of the contract, it is lost. capitalization is possible. If you do not close the deposit on time, its term is automatically extended for the minimum possible time (3 months), but no more than 2 times. If you close the deposit before the deadline, you will receive 0.6% of the original rate. But for this, the term of the deposit must exceed 181 days.

Pobeda+ (Alfa-Bank)

Conditions:

currency - rubles, dollars, euros;

the minimum amount is 10,000 rubles; $500; 500 Euro;

interest rates:
in rubles - 5.5–6.23%;

in US dollars - 0.35–2.38%;

in euro - 0.01–0.20%.

You can not replenish the deposit or partially withdraw money. Accrued interest is capitalized, but the client loses it in case of early termination of the contract.

Savings (Gazprombank)

Conditions:

currency - rubles, dollars, euros;

the minimum amount is 15,000 rubles; $500; 500 Euro;

terms - from 3 months to 1097 days;

interest rates for ruble deposits:
for the amount from 15,000 to 300,000 rubles - 5.6–5.8%;

for an amount from 300,000 to 1,000,000 rubles - 5.8–6.0%;

for an amount from 1,000,000 rubles - 6.0–6.4%;

interest rates for deposits in US dollars:
in the amount from 500 to 10,000 dollars - 0.30–1.40%;

in the amount of $10,000 or more - 0.40–1.50%;

interest rates for euro deposits:
for amounts from 500 to 10,000 euros - 0.01%;

in the amount of 10,000 euros - 0.01%.

A long term provides for the existence of separate conditions for interest payments. As a result, with a deposit period of more than 365 days, interest is paid not at the end of the entire period, but at the end of the calendar year. It is forbidden to replenish the account or withdraw funds. You can extend the term of the deposit, but not automatically. To do this, you will have to visit the bank office.

"Replenish" (Sberbank)

Conditions:

currency - rubles, dollars;

the minimum amount is 1000 rubles; $100;

terms - from 3 months to 3 years;

terms and interest rates for ruble deposits when opening through Sberbank Online (from 1000 rubles):
for 3–6 months - 3.70/3.71%;

for 6–12 months - 3.80/3.83%;

for 1–2 years - 3.60/3.66%;

for 2–3 years - 3.45/3.63%;

for 3 years - 3.45/3.63%.

terms and interest rates for ruble deposits when opening through Sberbank Online (from 100,000 rubles):
for 3-6 months - 3.85 / 3.86%;

for 6–12 months - 3.95 / 3.98%;

for 1–2 years - 3.75/3.82%;

for 2–3 years - 3.70/3.83%;

for 3 years - 3.60/3.80%.

terms and interest rates for ruble deposits when opening through Sberbank Online (from 400,000 rubles):
for 3–6 months - 4.00/4.01%;

for 6–12 months - 4.10/4.14%;

for 1–2 years - 3.90/3.97%;

for 2–3 years - 3.85/4.00%;

for 3 years - 3.75/3.96%.

terms and interest rates for ruble deposits when opening through Sberbank Online (from 700,000 rubles):
for 3–6 months - 4.00/4.01%;

for 6–12 months - 4.10/4.14%;

for 1–2 years - 3.90/3.97%;

for 2–3 years - 3.85/4.00%;

for 3 years - 3.75/3.96%.

terms and interest rates for ruble deposits when opening through Sberbank Online (from 2,000,000 rubles):
for 3–6 months - 4.00/4.01%;

for 6–12 months - 4.10/4.14%;

for 1–2 years - 3.90/3.97%;

for 2–3 years - 3.85/4.00%;

for 3 years - 3.75%.

terms and interest rates for ruble deposits when opening at a bank branch (from 1000 rubles):
for 3-6 months - 3.45 / 3.45%;

for 6–12 months - 3.55/3.58%;

for 1–2 years - 3.55/3.58%;

for 2–3 years - 3.30/3.41%;

for 3 years - 3.20/3.35%.

terms and interest rates for ruble deposits when opening at a bank branch (from 100,000 rubles):
for 3–6 months - 3.60/3.61%;

for 6–12 months - 3.70/3.73%;

for 1–2 years - 3.50/3.56%;

for 2–3 years - 3.45/3.57%;

for 3 years - 3.35/3.52%.

terms and interest rates for ruble deposits when opening at a bank branch (from 400,000 rubles):
for 3-6 months - 3.75 / 3.76%;

for 6-12 months - 3.85 / 3.88%;

for 1–2 years - 3.65/3.71%;

for 2–3 years - 3.60/3.73%;

for 3 years - 3.50/3.68%.

terms and interest rates for ruble deposits when opening at a bank branch (from 700,000 rubles):
for 3-6 months - 3.75 / 3.76%;

for 6-12 months - 3.85 / 3.88%;

for 1–2 years - 3.65/3.71%;

for 2–3 years - 3.60/3.73%;

for 3 years - 3.50/3.68%.

terms and interest rates for ruble deposits when opening at a bank branch (from 2,000,000 rubles):
for 3-6 months - 3.75 / 3.76%;

for 6-12 months - 3.85 / 3.88%;

for 1–2 years - 3.65/3.71%;

for 2–3 years - 3.60/3.73%;

for 3 years - 3.50/3.68%.

terms and interest rates for dollar deposits when opening through Sberbank Online (from $100):
for 3-6 months - 0.25%;

for 6–12 months - 0.55%;

for 1–2 years - 0.85%;

for 2-3 years - 0.95%;

for 3 years - 1.05%.

terms and interest rates for dollar deposits when opening through Sberbank Online (from $3,000):
for 3-6 months - 0.30%;

for 6–12 months - 0.60%;

for 1–2 years - 0.95%;

for 2-3 years - 1.05%;

for 3 years - 1.15%.

terms and interest rates for dollar deposits when opening through Sberbank Online (from $10,000):
for 3-6 months - 0.30%;

for 6–12 months - 0.60%;

for 1–2 years - 0.95%;

for 2-3 years - 1.05%;

for 3 years - 1.15%.

terms and interest rates for dollar deposits when opening through Sberbank Online (from $20,000):
for 3-6 months - 0.30%;

for 6–12 months - 0.60%;

for 1–2 years - 0.95%;

for 2-3 years - 1.05%;

for 3 years - 1.15%.

terms and interest rates for dollar deposits when opening through Sberbank Online (from $100,000):
for 3-6 months - 0.30%;

for 6–12 months - 0.60%;

for 1–2 years - 0.95%;

for 2-3 years - 1.05%;

for 3 years - 1.15%.

for 3–6 months - 0.05%;

for 6–12 months - 0.20%;

for 1–2 years - 0.50%;

for 2-3 years - 0.60%;

for 3 years - 0.70%.

terms and interest rates for dollar deposits when opening at a bank branch (from $3,000):
for 3–6 months - 0.05%;

for 6–12 months - 0.25%;

for 1–2 years - 0.60%;

for 2–3 years - 0.70%;

for 3 years - 0.80%.

terms and interest rates for dollar deposits when opening at a bank branch (from $10,000):
for 3–6 months - 0.05%;

for 6–12 months - 0.30%;

for 1–2 years - 0.65%;

for 2-3 years - 0.75%;

for 3 years - 0.85%.

terms and interest rates for dollar deposits when opening at a bank branch (from $20,000):
for 3–6 months - 0.10%;

for 6–12 months - 0.40%;

for 1–2 years - 0.75%;

for 2-3 years - 0.85%;

for 3 years - 0.95%.

terms and interest rates for dollar deposits when opening at a bank branch (from $100):
for 3–6 months - 0.10%;

for 6–12 months - 0.40%;

for 1–2 years - 0.75%;

for 2-3 years - 0.85%;

for 3 years - 0.95%.

For deposits opened by pensioners, the maximum rate is set for the selected period, regardless of the amount of the deposit. The deposit can be freely replenished, but withdrawing money before the expiration date, in whole or in part, is not allowed.

Advice: find out which financial institutions are in today.

How to calculate the return on a deposit?

Calculating interest according to bank conditions is not always easy. The standard formula provides for a fixed amount of accrued interest and the amount of the deposit, which does not change throughout the entire term. The calculation is made as follows: deposit amount * deposit validity period * agreed percentage. For example: deposit amount - 100,000 rubles, time - six months, interest rate - 10% per annum. As a result, we get: 100,000 * 0.5 * 10% = 5,000 rubles of income.

The formula for the profitability of a deposit with capitalization includes a few more conditions. After all, now it is necessary to take into account the fact that the size of the deposit and interest increases slightly for each period of their accrual. In this case, you should calculate like this: N*(1+P*d/D/100)n-N, where

N - the initial amount of the contribution;

P is the interest rate;

d - calendar days after which new interest is charged (usually 30 or 31 days);

D - 365 or 366 days a year, depending on the current year;

n - how many times interest will be calculated (if the capitalization period is 30-31 days, then this number will be 12).

Common mistakes when choosing a deposit

Typical opinions of the majority can sometimes lead to unpleasant situations. Banks try to play to get the maximum benefit from customers, so customers should be careful when choosing favorable conditions for themselves. After all, they are good for the bank and bring profit in any given variations.

First mistake. The proposal looks conspicuous and in all respects better than others. The interest rate is significantly higher than the market average. This is a signal to look at the bank itself. A positive development of events: a big holiday is on the nose and the bank attracts new customers with similar promotions. Negative option: the bank is unreliable and can collapse at any moment. His plan of action is based on getting the maximum benefit from clients who want the same thing - big money in a short time. Then such organizations declare bankruptcy, and the depositors lose everything.

Advice: check each bank for presence in the system of the Deposit Insurance Agency. This organization returns the deposits of citizens in case of liquidation of banks. Initially dubious structures, as a rule, are not associated with it. Also on the AKB website you can see which banks have already been liquidated or are in the process.

Second mistake. You choose the maximum deposit term because it pays the most interest. The "pitfall" is that today the ruble exchange rate is not tied to the cost of oil. Its fall and rise cannot be predicted. In the event of a sudden weakening of the national currency, banks will raise new interest rates, leaving existing deposits at the same level of payments. As a result, early termination of the contract will return you significantly less money, and without it it is impossible to transfer to new deposit conditions.

Advice: if you want to take the maximum term, take the average. Preferably with interest capitalization. The term of the deposit must not exceed one year.

Third mistake. The terms of the deposit provide for a huge number of possibilities: withdrawal and replenishment of the account at any time, capitalization of interest and much more. Pay attention to the rate: it is clearly not the maximum. The presence of some advantages removes others.

Advice: prioritize before opening a deposit. Is interest capitalization important to you? What about monthly withdrawals? Is it really necessary to withdraw part of the invested funds ahead of time? Based on the responses received, choose a bank with only those additional offers that you really need.

Fourth mistake. Ignoring the achievements of civilization. Most major banks are transferring their services to the Internet format. There are even banks that operate entirely on the Net. As a result, it may turn out that if you open a deposit via the Internet, the interest rate will be significantly higher, and the minimum deposit will be lower than when opening in the office.

Advice: if you are afraid for the safety of data, always check the address of the page you are on. At the top there should be either a similar icon with a padlock (see below), or the inscription https in green.

This means that communication channels are encrypted and confidential. Also, two-factor authentication is used in monetary transactions: without SMS with an access code, you will not be able to deposit or withdraw funds.

Summing up

Bank deposits - for individuals. When choosing conditions, one should not always be tempted by a high interest rate. It is best to check the market for such offers and invest in a deposit on conditions that correspond to the highest level of offers. To avoid the risk of losing money, do not trust banks that you have not heard about before.

Also, initially decide what you want to receive from the deposit. Additional income is guaranteed by interest capitalization. Choose realistic terms in which you will definitely not need this money. Early termination of the contract with the bank is fraught with the payment of a much smaller amount of money than was indicated in the contract.

Each person saves money for different purposes. However, many do not understand that keeping savings at home is not the best solution. Instead of generating income for their owner, they only lose their real value due to inflation. In addition, often people do not hold back and spend money. However, deposits in Moscow will help you not only save your finances, but also increase them in accordance with the agreement.

Today this product is a universal investment tool. Unlike stocks or precious metals, you don't need special knowledge or constant analysis of the economic situation. You just find a suitable offer and sign a contract. At the same time, most organizations do not have any restrictions on minimum contributions, and if they exist, they are small.

The contract itself is very important, so before signing it, you need to read the text personally. To do this, ask the bank employees to give a sample in printed or electronic form and carefully read all the points, especially those written in small print and marked with an asterisk. With the help of such tricks, unscrupulous organizations try to mislead a potential client and prescribe unfavorable conditions for him in the agreement.

Description of important points

The main advantage of the service, in addition to a stable income, is reliability. Consumer accounts are protected by the state at the legislative level through the program compulsory insurance. Therefore, in the event of liquidation or revocation of the license, you will be compensated. However, it is limited to 1.4 million rubles, which does not prevent you from dividing the amount exceeding this limit and placing it in several organizations, eliminating various risks.

The next aspect we will look at is account types. The first one is urgent. In this case, you place funds for a certain time period. Of course, you have the right to apply for early withdrawal, but with a high probability the bank will refuse to pay the accumulated interest. At the same time, this type of deposit is divided into savings and accumulative, which is provided for periodic replenishment (popularly called a "piggy bank").

The second option - on demand - comes at a low rate. The thing is that it is unprofitable for an organization to keep finances at home, knowing that the owner has the right to demand their return at any time. Such a product is preferred by that category of customers who are satisfied with the fact of reliability, and they are of little interest in potential profit.

Online Assistant

On the site you will find products that are currently on the market. It contains reliable information, which our experts check and update daily. By comparing the services according to their main parameters - and this is the interest rate, the cost of opening and commission, you will be able to make the right decision, and the ratings section will help you in choosing an organization. the site is the largest financial supermarket in Runet, which has been successfully operating for more than ten years. All offers displayed on this page are the best or profitable only according to the experts of Banki.ru