Maximum income on deposits. Which banks have the highest deposit rates

Deposits under high percent in Moscow, only a few banks offer. Some make such an offer so that new customers appear, others - to maintain their positive reputation. Most huge contribution-. But this can only happen when several conditions are met:

• the account is opened immediately for the entire amount;
• nothing can be done with the funds until the expiration of the contract;
• the client belongs to the preferential category.

High interest rates are possible within the framework. They also get the maximum profit when opening a foreign currency account.

Conditions for opening a deposit at a high interest rate in Moscow

With a high percentage, citizens can open both at the place of registration and residence. This requires only a passport. There are those who cooperate with young people from 14 years old. Suggestions for individuals differ:

• minimum amounts.

The most high stakes on deposits in Moscow are offered by institutions that have high rates of their own assets, good loan portfolio, that is, they are stable.

On our website you will find high-interest bank deposits in 2019. For convenience, we offer comparative table with up-to-date information and to calculate the possible profit. The data is regularly updated, so our users receive the latest information. If necessary, you can choose the most convenient currency for calculations.

In 2019, deposits for 3 months are becoming more and more popular. This is partly due to the difficult period that the Russian economy is going through today. Not many are now ready to plan their income and expenses for a long time, and therefore prefer short-term investments.

A plus . Bank deposits with interest for 3 months is a good way to invest money, taking into account that you can get a good income and not part with your funds for a long time.

Minus . However, it should be noted that short-term deposits less profitable than those that are issued for six months or a year.

Savings accounts - an alternative to short-term deposits

In addition, in many banks for such a short period it is impossible to issue term deposit... Instead of them, Savings Accounts are offered, which are opened indefinitely, and the money can be withdrawn at any time, even after 3, even after 4, even after 6 months. These Savings Accounts, by the way, have very attractive interest rates. So choosing a deposit on short term, compare the conditions and rates of not only deposits, but also Savings accounts.

This is exactly what the analysts of the Business Information Agency website did in this review.

The most profitable deposits for 3 months at high interest rates in 2019

This page contains the most profitable short-term deposits for a period of 3 months, as well as Savings Accounts, which are offered by leading banks in Moscow, St. Petersburg and other cities of Russia. The review is built in the form of a rating from a maximum percentage to a lower one. Everyone can compare conditions and rates to select the best product.

Deposits for 3 months under maximum percentage in banks top-10

Deposit "Piggy bank"

Replenishment / Without partial withdrawal/ Without capitalization /% monthly.

Savings account deposit

Replenishment / Partial withdrawal / Without capitalization /% at the end of the term.

Deposit "Reliable"

Deposit / Partial withdrawal / Capitalization monthly.

Contribution "Emphasis on interest"

No replenishment / No partial withdrawal /% at the end of the term.

"Active" deposit

Replenishment / Without partial withdrawal / Capitalization /% monthly.

Deposit calculator

Top 10 deposits for 3 months at the maximum interest rate in Russian banks

Conclusions: why is it profitable today to open deposits for 3 months

Short-term deposits are now becoming more and more in demand by the population in Russia. This is partly due to the fact that people do not always have a need to place their savings in the bank for a year or longer. Some, for example, starting from winter, save money for summer vacations. Others deliberately choose short-term savings programs, trying to form the so-called "ladder of deposits".

In addition, a number of experts note that during a period of market instability, short-term deposits for 3 months may turn out to be the most the best option to invest savings. Indeed, in this way you can minimize inflationary risks and get good income.

Are bank deposits insured?

Yes. The insurance covers the monetary funds of individuals in the bank in deposits and on accounts, including foreign currency. The maximum amount of compensation for deposits today is 1,400,000 rubles.

If the deposit is placed in US dollars or Euros, the amount of compensation is calculated and paid by the DIA in rubles at the rate set by the Bank of Russia on the day of the insured event.

You can check whether an institution is included in the deposit insurance system on the websites of the Bank of Russia (www.cbr.ru) and DIA (www.asv.org.ru), as well as for free hotline ASV 8-800-200-08-05.

Note that the above conditions and interest rates of deposits for individuals are not a public offer, and cannot serve as an indication for choosing a specific deposit. This list is not a basis for unambiguous conclusions about reliability and (or) financial sustainability specified banks. The editors of the site do not bear any responsibility for the consequences of any interpretations of this review and decisions taken on its basis.

Each person accumulates 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 versatile investment tool. Unlike the stock market or precious metals you don't need special knowledge or constant analysis economic situation... You just find a suitable offer and sign a contract. At the same time, in most organizations there are no restrictions on the minimum contributions, and if they are, then they are small.

The contract itself is very important, therefore, before signing it, you need to familiarize yourself with the text personally. To do this, ask the bank employees for a sample in a printed or in electronic format and carefully read all 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 conditions that are unfavorable for him in the agreement.

Description of important points

The main advantage of the service, in addition to stable income, it 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 paid compensation. 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 that we will look at is account types. The first one is urgent. In this case, you place funds for a certain period of time. Of course, you have the right to apply for an early withdrawal, however, with a high probability, the bank will refuse to pay the accrued interest. At the same time, this type of deposit is divided into savings and accumulative, which is provided for periodic replenishment (people call it a "piggy bank").

The second option - on demand - comes at a low rate. The point 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 for whom the fact of reliability is enough, and they are not interested in potential profit.

Online Assistant

On the site you will find products that are currently on the market. Here you can find reliable information that our specialists check and update on a daily basis. By comparing the services by their main parameters - the interest rate, the cost of opening and the commission, you can make the right decision, and the ratings section will help you in choosing an organization. the site is the largest financial supermarket on the Runet, which has been successfully operating for over ten years.

Deposits are not only a reliable way to keep your savings, but also an opportunity to make a small profit. Despite the fact that this is a fairly transparent banking product, it is worth considering many of the nuances associated with bank deposits... Today we will tell you how to profitably invest in a bank, get the maximum profit and in which bank to open a deposit.

Bank deposit

Deposit bank accounts are a variant of a passive source of income. The depositor does not have to track account data on a daily basis or take any action at all. It is enough to periodically monitor the information on the accrual of interest and make a decision on the withdrawal of money or make decisions on further investment in time. Therefore, people who intend to open a deposit in the bank, first of all, care about the safety Money and are hoping for a small income.

This is a risk-free way of earning money, which is clearly regulated by law. The activities of commercial banks are monitored Central bank Russia, which is ready to defend depositors at any time. Banking organizations are fully subordinate to the Central Bank.

At this stage, the market is saturated bank offers that have similarity in their criteria. They are quite easy to compare with each other, so for those who decide which bank is better to open a deposit, we will tell you how to choose the right option for yourself, and consider the current optimal offers.

To determine which contribution is more profitable, you need to pay attention to the main terms of the contract, there are only a few of them:

1. Interest rate. The part that will make up the profit. The higher it is, the more profitable the deposit. When deciding which bank is better to make a deposit, it is important to find a rate that would at least compensate for inflation for last year... But the interest rate is not the only indicator.
2. This is the addition of the accumulated money in the amount of the deposit, that is, with a certain frequency, the amount of the deposit will grow, and interest will be charged on most of it, which will make the deposit more profitable. As a rule, such options have a lower interest rate than a savings account without capitalization. The more often capitalization occurs, the more profit. There are contracts with monthly, quarterly or annual capitalization.
3. Shares from companies. In the banking environment, there is such a thing as seasonal contribution... This is a promotion from banking organizations aimed at increasing the capital raised. Also, the seasonality of deposits is dictated by market conditions. There are often New Year's or Summer's offers. Such deposits are usually short-term with a high interest rate; it will be advisable to place money during this period.
4. Interbank transfer rates. When choosing a bank for a long-term relationship, you should understand that after a certain period of time, the profitability of the deposit may become lower than the alternative offers of other companies. Therefore, you may have to conclude an agreement with another bank and transfer money there. You need to take into account the commission for the transfer of the bank that opened your account.

Banking companies offering to open a deposit do not severely restrict their clients in maximum amount placed on the account. But another thing is that only 1.4 million can be guaranteed to return in conversion to rubles. This is due to the fact that according to state program most banking institutions participate in the deposit insurance system.

If the bank is declared bankrupt or its license is revoked, then at the expense of the state you can return your money, including the interest earned at the time the license was revoked. Therefore, in one bank it is recommended that a total amount of no more than 1.4 million rubles be placed. If the depositor has a large amount of funds, then it is safer to use several banking organizations to open a deposit.

Before choosing a deposit, you need to pay attention to the terms of the contract. Bank deposits directly depend on the refinancing rate set by the Central Bank. This is the rate at which the Bank of Russia lends commercial banks... Also, percentages depend on the exchange rate, the current state of the economy, market trends, and the population's ability to pay. All this is quite difficult to predict in the long term even for top specialists in this area.

Therefore, a long-term contribution may be unprofitable in future use, taking into account the growth of inflation or lost profits in connection with alternative proposals. It is recommended that the period should not exceed one year, after which it would be possible to assess the current circumstances and choose the appropriate option.

Often, banking companies, under the terms of the contract, appoint an automatic prolongation. This means that if the depositor does not decide to withdraw the money at the end of the term, then the contract will be extended under certain conditions. And the conditions may differ from the original ones. For example, if you roll over, the rate will be lower.

Banks offer various programs:

• open a children's contribution;
• savings;
• cumulative;
• mortgage;
• currency deposit.

The rate under the terms of the agreement, if it is a long-term deposit, can be tied to the refinancing rate, and if it fluctuates, it can also change in one direction or another. This will allow you not to worry about large interest losses.

Many programs do not imply early withdrawal of money deposited in the account. In this case, a loss of interest may occur, since the conditions provide for a “demand” rate, which, as a rule, is 0.5%, instead of a cumulative rate of 8-9%.

Or the conditions dictate that the account must have a minimum balance, usually it is at least 10% of the funds being placed and has a lower threshold, for example, 100,000 rubles. This means that money in excess of this amount can be withdrawn, the rest can be issued at a "demand" rate or subject to penalties.

Let's pay attention to this point again. The best fit is a deposit where there is a monthly capitalization, with high interest rates under the agreement. In the long run, the interest that capitalizes the account can make the investment better, more profitable. For example, let's take 100,000 rubles at 12% per annum.

1. For a deposit without capitalization at the end of the term, you can receive 112,000 rubles.
2. If the contract contains monthly capitalization, then the amount will constantly increase:

• 100 000 + 1 000 = 101 000;
• 101 000 + 1 100 = 102 100;
• 102 100 + 1 021 = 103 121;

…………………………………………….

• 12 111 550 + 1 115= 112 669.

At large amounts the profit on the account, accordingly, becomes more tangible.

It is possible to open a profitable savings deposit, provided that there is an opportunity to replenish the account. This option is used by those who are going to make a large purchase. Also, this tool is used to invest part of the profit on a monthly basis. Replenishing deposits can serve as an alternative to loans. Every month you make contributions that are commensurate with the monthly loan payments. Thus, it is not the client who gives the interest to the bank, but the banking organization charges the income to the opened accounts.

Many depositors are wondering which bank is more profitable to open an account with. As a rule, the choice falls on top structures that have been proving their worth for decades. There is some logic in this, but you shouldn't dwell on well-known brands.

After all, good deals can be found among small local banking companies. The main thing that financial institution participated in state system insurance. Also, indicators of profitable banks are: authorized capital, the amount of attracted money, profitability for the previous period and the reliability rating from the experts.

Insurance

Accreditation for banking companies is provided by the Central Bank. It regulates the list of banks that participate in state insurance... You can also familiarize yourself with the list of which banking organizations are included on the website of the Bank of Russia. It is more profitable to open a deposit in one of them.

Top financial corporations such as Sberbank or VTB 24 have large authorized capital. The rest of the assets are formed from funds raised from depositors and investors, as well as from the total investment activities jar. A large share of attracted funds can negatively affect in the event of a difficult economic situation and the emergence of panic among those who hold funds in this banking organization... In the event of a massive request for money, the financial institution will simply not be able to fulfill its obligations.

Another important factor when choosing the option where it is better to open a deposit are account management tools. This includes both the competence of personnel and remote management services. For example, in the case of Sberbank, you will have to face queues and waiting, but the company has a highly functional Personal Area and countless ATM machines throughout the country and abroad.

The Tinkoff company does not even have offices, relying entirely on remote service, some local banks are underrepresented, but they provide prompt assistance in client matters.

Reviews

A profitable contribution will always be distributed on the Internet, where users leave their feedback. It is worth separating the PR company banking institution with purchased advertising reviews from the opinions of real contributors. Therefore, it is recommended to use trusted resources as analysis, such as banki.ru or sravni.ru.

Banks

It's time to consider real current offers and identify profitable options savings deposits on this moment... Perhaps, relying on our analytics, you will choose a suitable offer for yourself.

Loco-Bank

At the moment, the deposit is better than everyone else's offered by Loko-Bank. The interest rate can be up to 11% per annum. Minimum amount is 100,000 rubles, the maximum threshold is 2 million rubles. The term of the deposit is 400 days. In this case, the interest rate is not uniform, but is distributed as follows:

• up to 100 days - 11%;
• 101-200 days - 10%;
• 201-300 days - 9.5%;
• 301-400 days - 6.5%.

Deposit replenishment is not provided, but capitalization is carried out on a monthly basis. You can open a ruble account, withdrawal is possible only partially, the contract is not automatically prolonged.

Renaissance Credit LLC

You can profitably open a deposit at Renaissance Credit. Interest rates tied to the term of the contract and the amount to be placed. They range from 7.5 to 8.25%. The minimum amount is only 5,000 rubles or 100 euros, dollars. For foreign currency accounts, the rates are from 0.35 to 0.5%. Automatic renewal is provided.

There are three directions:

• profitable - without withdrawal and replenishment, but with the highest rates;
• accumulative - without withdrawal, but with replenishment (6.75–7.50% in rubles and 0.15–0.75% in foreign currency);
• without borders, where both conditions are included. (7% in rubles, 0.15-0.25% in foreign currency).

Svyaz-Bank

Svyaz-Bank stands out for its seasonal product called "Light". You can invest from 50,000 rubles at 8% per annum without replenishment and withdrawal for one year. There is an automatic prolongation with terms from 4.5 to 8.1%. Additionally, a bonus card is issued.

In Credit Europe, you can apply for a deposit with quarterly capitalization with a rate of up to 9.25%. Deposits are non-refillable, without withdrawal and with a non-uniform rate, which, unlike Loko-Bank, is more profitable for the client at the end of the term. The minimum entry threshold is from 30,000. The frequency is as follows:

• 1st quarter - 5.1%;
• 2nd quarter - 5.5%;
• 3rd quarter - 7.25%;
• 4th quarter - 9.25%.

Sberbank

Consider offers from market leaders. At Sberbank on maximum rate can be calculated for the "Save Online" product, where the percentage is 5.63%. You can open a deposit from one to three years without replenishment and without withdrawal.

VTB has a more interesting product linked to a multicard. Deposit without restrictions on withdrawal and replenishment. At the same time, with a non-uniform rate and prolongation at 10% per annum. The product works as follows:

• 1st month - 10%;
• 2nd - 5.5%;
• 3rd - 6.5%;
• from 6th to 12th - 7.5%;
• from the 12th - 10%.

Thus, it is one of the most best offers presently.

The client may have material benefit... This is possible provided that the interest on the deposit exceeds the refinancing rate by 5%. There are no such offers on the market now. Current key rate- 8.5%. Accordingly, to fall under the article Tax Code, you must have a deposit of at least 13.5% per annum.

(1 estimates, average: 5,00 out of 5). Please rate, we tried very hard!

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 offered to them are simply a huge amount. If you look for high-interest deposits in banks in Moscow today, the first 20 banks are not necessarily the largest institutions. They just give a slightly below average profitability, since they have sufficient capital for investment. Smaller organizations, on the other hand, are actively engaging customers by offering interesting offers and various investment options.

Which bank should you prefer

Naturally, you shouldn't go to the first bank that comes across offering a sufficient percentage. It should be analyzed by at least several parameters:

• founders and partners - it may well turn out that people who are hardly worth trusting are at the helm;
• the financial condition of the bank - it can be traced by the reports published on the website of the Central Bank, special attention should be paid to the ratio of assets and liabilities, the profit received for the reporting period and the size authorized capital(the bigger, 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 with the DIA, then if the bank's license is revoked, the clients' funds are not in danger.

It is not worth looking only profitable deposits in Moscow banks for today - you need to pay attention to their features, which will help you draw up the right investment strategy:

• term of the deposit;
• is early withdrawal possible and on what conditions;
• procedure for payment of interest;
• the presence or absence of capitalization;
• the possibility of replenishment;
• Does the interest increase with the increase in the amount of savings, etc.

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

Among the many banks in the capital, the 100 largest were selected, out of the deposits they offer, the 20 most profitable were selected. Other selection criteria:

• currency - ruble;
• the minimum amount is 100,000;
• term - at least 1 year.

These parameters helped to select the highest deposit rates in Moscow banks for today, which are listed in the table (if one bank offers two or more deposits, the most profitable was included in the rating).

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

Due to the depreciation of the ruble, many clients have aroused interest in foreign currency deposits. At the same time, Russians invest not only in buying dollars and euros., but also acquire exotic currencies - pounds, francs, yens, Australian dollars, the yuan and the "Canadian" have been gaining popularity lately. However, the most popular is still the US dollar.

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

It should be noted that some deposits in foreign currency in Moscow banks at a maximum interest rate in the TOP-50 are included in the multicurrency deposit, which will be indicated accordingly, if it is not clear from the name of the deposit. It will not work for such deposits 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 volume.