The average bank interest rate on deposits of individuals in Russia. Average bank interest rate on deposits of individuals in Russia Average interest rate on deposits of individuals

A strict austerity regime, hard work, an inheritance or a gift can give you a free amount of funds that can be disposed of in a variety of ways: hide money in a secret place, invest in a business, buy real estate, etc. Recently, deposits in Moscow have become increasingly popular. They allow you to guarantee the preservation of capital, including through state insurance, as well as to receive additional income in the form of interest paid.

Moscow bank deposit rates

Since the interest on deposits in Moscow largely determines how much the deposit will be added to the initial one, many consider them the most important condition for a deposit and, on this basis, make a choice of a program and a bank.

Of course, deposit rates have a great influence on the profitability of deposits in Moscow, but not only they can reduce or increase your profit. So, the type of deposit itself can greatly affect the profitability of the entire deposit program:

• term deposits with a strict limitation of the storage period of savings are characterized by the highest percentages;
• perpetual or short-term deposits usually accompanied by more low rates on deposits in banks in Moscow.

Thus, if you want to open a deposit at high interest, then try to correctly plan your budget in order to be ready to comply with certain restrictions:

• a ban on closing a bank deposit in Moscow ahead of schedule;
• prohibition on partial withdrawal of funds placed on the deposit.

Violation of these rules on deposits in Moscow banks can lead to penalties from the bank and a decrease in the initial rate.

In addition, you can choose the period of interest payments. There are several options:

• daily;
• once a week;
• once a month;
• once a quarter;
• only at the end of the term.

All interest on deposits is charged individuals in Moscow daily, but may differ from each other by the presence of capitalization.

In which bank of Moscow is it better to open a deposit?

In 2020, many banks work with deposits: Sberbank, VTB, Russian Agricultural Bank, Post Bank, Alfa Bank, etc.

To open a deposit in Moscow on the best terms, you will have to spend time studying all the relevant options, calculations, consultations with specialists.

Get all the information you need quickly active deposits The deposit calculator on this page will help you:

1. Enter your deposit requirements.
2. Get the full list current contributions in the banks of Moscow for today updated.

After that, you will be able to make an informed choice, as well as immediately submit an online application for the selected deposit program.

For a profitable investment of own funds and capital increase, it is necessary to know the average bank interest on deposits of individuals by different regions Russia and specific banking institutions. This will allow you to quickly find a reliable place to open a deposit account and receive profitable interest.

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What it is

Bank interest rates are made up of numerous indicators formed in the course of work financial institutions, based on the specific economic situation in the countries. The Central Bank monitors this entire process and publishes the results of its work on the official website in accordance with Art. 395 of the Civil Code of the Russian Federation.

To obtain the correct figures, it is necessary to take into account the indicators of the largest banks, their annual performance indicators, the degree of attraction of capital from individuals, as well as a number of other indicators:

• most popular types of deposits Russian market with payment of interest at the end of the term of the contract;
• deposits from monthly payments profits and other options for making incoming and outgoing transactions.

The amount of the deposit does not have a special effect on the size of the interest rate. The economic situation in the region and financial indicators form the average size bank interest on deposits.

Reasons for the popularity of deposits

The demand for deposits has a direct impact on the size of the average rate.

The reasons for this popularity among the population are due to the following factors:

• trust of savings to a reliable and trusted bank;
• deposit insurance and a guarantee of reimbursement of up to 1.4 million rubles;

To ensure the safety of savings of individuals, a whole system of deposit insurance has been created, consisting of certain measures controlled by the state.

This may include the obligation of banks to make systematic contributions to the Deposit Insurance Fund. Also checking banks for compliance with the requirements of the Central Bank, giving the right to carry out banking and offer deposit services.

In the event of any difficulties in the work of the bank, all obligations are assumed by the Bank Deposit Insurance Fund.

This assistance may be required in the event of a large default rate among individuals who are unable to meet their obligations to repay loans and borrowings, due interest, penalties and fines.

Average bank interest on deposits of individuals

Exactly average percentage rates for bank deposits allows future investors to invest in those financial institutions that do not contradict the Central Bank of the Russian Federation and do not set dubious rates that are significantly higher than their average value.

Comparing the indicators of the ten largest banks in Russia, we can conclude that the level of the average value for rates does not exceed 10%. This means that 12-13% is considered quite acceptable, profitable and safe offer.

Table of popular banks participating in the deposit insurance system, offering a deposit of 100,000 rubles for 1 year.

It should be borne in mind that when making a deposit with capitalization, the interest rate increases.

It is also worth paying attention to ongoing promotions and Special offers allowing profitable investment own funds.

Video: Russian banks raised rates

TSB RF

In April 2020, the Central Bank set the average rate of return on transactions with deposits of individuals for a period of 365 days at the level of 10.824%.

If this value is exceeded by more than two points banking institution will be required to pay double contributions to the Deposit Insurance Fund. It also threatens additional checks from the Central Bank of the Russian Federation.

The Central Bank of Russia uses various data, subsequently summarizing them and issuing an average value of the size bank rate, namely:

• minimum terms of placement Money;
• the presence and absence of the possibility of capitalization of the deposit;
• the timing of the possibility of withdrawing cash without loss of accrued interest;
• replenishment of the account during the validity of the contract.

After receiving and comparing the data of the Central Bank of the Russian Federation, two types of calculation are used using a simple and complex formula.

To profitably invest in a particular bank, you must consider a number of important rules:

• it is best to open a deposit for a period of not more than 12 months;
• short-term deposits are also safe for a financial institution, as it will be able to quickly respond to any external economic changes and make the right decisions to protect the savings of individuals.

The real profitability of the deposit depends on the level of inflation and the interest rate. The average deposit rate will depend on the difference between these two indicators.

In the same way, the profitability of a particular type of deposit is calculated and determined. Negative values ​​are also possible, resulting from an excessive increase in inflation, depreciating deposits much faster than they have time to increase again.

Already at the end of 2015, the Central Bank makes positive forecasts for 2020, which can be observed even now the average level of income on deposits in the range of 9-10% with an inflation rate of no more than 10%.

It is possible that rates will have to be reduced to 7-8% on long-term deposits. This will allow depositors to confidently place funds in the bank.

By federal districts

More accurate forecasts medium size profits on deposits can be made if you study the offers of specific financial institutions in a particular region. This will allow you to know the most profitable proposition for the period of future placement of deposits.

The Central Bank systematically publishes the values ​​of deposits for 12 months. So, you can observe a drop in the indicator from last year to the beginning of 2020. On April 20, 2020, the average rate reached 9.74%, which is three points lower than last year.

According to the indicators of the Bank of Russia, the following rates on deposits are established as of May 19, 2016.

It should be noted that the situation on the world market is unstable. Changes in interest rates, bank liquidity, competition, financial crisis- all these components daily affect the bank interest.

The data published by the Central Bank make it possible to make profitable investments in a specific period of time by selecting the appropriate Federal District.

To attract individuals, banks are developing various programs that have individual conditions for pensioners, payroll clients, students and other categories of citizens.

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 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, 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 in electronic format and read all the points carefully, 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 plus of the service, in addition to 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.

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On the site you will find products that are currently on the market. It contains reliable information, which our experts check and update daily. Comparing services by their main parameters - and this interest rate, opening cost and commissions, 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

A bank deposit is one of the most effective methods to increase your capital. However, it is important to know which bank is better to entrust your own funds. The dynamics of interest rates set by the Central Bank of the Russian Federation determines the most profitable period for investing money and opening a deposit account.

Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

It's fast and IS FREE!

What it is

The amount of profitability on deposits has a significant impact on many economic processes:

• profit;
• receiving real profit between the difference in the nominal interest rate on the deposit and the inflation rate;
• control over the growth of inflation in order to avoid the threat of depreciation of monetary investments.

The main work of the Central Bank of the Russian Federation is aimed at monitoring percentage indicators for different regions of the Russian Federation, where best banks, showing impressive and competitive results in terms of attracted deposits from individuals.

For the entire economy of the country, it is extremely important to be able to correctly calculate the average size of the depositor's profitability. These indicators are the main ones in the formation loan portfolio financial institutions, the ability to attract funds from individuals and inspire their confidence.

Calculation formula

Due to the huge number of financial institutions offering various conditions for opening a deposit account, an average value is formed.

Since June 1, 2015, the Central Bank has set an individual average rate and terms for its application for each federal district. By offering this or that deposit product, the bank forms a specific range of interest rates, under which it is ready to provide deposit services and receive additional profit.

Several factors influence the average and allowable value of the deposit interest:

• government refinancing rate. The larger its value, the higher the bank will be able to set the level of profitability on cash investments. It should be borne in mind that such a jump contributes to the rise in the cost of loans, so a certain balance is needed;
• the current state of the economy, when it is necessary to take into account and control the level of inflation, the availability of resources from banks, other loans taken by the state, the presence of debts;
• the terms of the deposit itself and the larger it is, the higher the percentage will be.

It should be noted that the bank does not have the right to unilaterally change the amount of interest yield before the expiration of the contract. The calculation formula also determines the profitability of the future contribution. It is important to carefully read the terms of the contract, which will indicate the procedure for calculating the accrual of profit and it is better if it is possible with capitalization.

How the average bank interest rate on deposits of individuals of the Central Bank of the Russian Federation changes

Thanks to systematically conducted analytical data, a certain dynamics of interest rates observed annually has been deduced. Thus, during 2015-2016, interest rates fluctuate between 9-10%. However, according to the forecasts of the same analysts, inflation is expected to rise by at least 10% by the end of this year.

As for long-term deposits, here the level of interest rates will vary from 7-8%. As soon as the level of inflation decreases, the size of interest rates on short-term, and then long-term deposits will go down.

Based on Art. 395 of the Civil Code of the Russian Federation determines the average rate on deposits of the Central Bank of the Russian Federation for individuals. The Bank of Russia systematically publishes data on average bank interest rates on household deposits for each federal district.

The situation in the country is changing, and the whole economic situation is changing. It is most profitable to open a deposit with the ability to make monthly deposits with capitalization of interest. However, the interest rate is not a key indicator of the profitability of the deposit. It is much more important to be able to constantly increase the amount of the down payment.

Capitalization of interest will allow you to systematically increase the amount of profit by increasing the amount of the deposit and each time a new calculation of interest.

Taking Central as an example federal district, then the following dynamics is observed.

Depending on certain factors and economic indicators every month there is an increase or decrease by a few hundredths of a percent.

To use specific formula, you must have data on the current interest rates on deposits in a particular federal district. This information is always available on the official website of the Central Bank of the Russian Federation.

Video: How rates change

How the Central Bank monitors the dynamics

Before determining the average level of the interest rate on deposits and forming a certain dynamics of its change, the Central Bank employees conduct a whole analysis and collect information from different areas, paying attention to the following points:

• growth of the bank's profitability due to the growth of the population's demand for loans;
• the level of competition among banks;
• the more banks in the country, the lower the average interest rate on deposits;
• interest calculation method (simple or complex);
• economic situation, level of inflation and liquidity in the country;
• the profitability of operations and the amount of expenses of financial institutions;
• rating of the bank by the frequency of interest payments on loans.

Receiving systematic data on all indicators, the Central Bank calculates the average and allowable interest on deposits in a particular federal district. The Bank systematically monitors maximum size interest rates of the TOP 10 largest banks leading in terms of attracting deposits from individuals.

This list includes the following financial institutions— Sberbank, VTB 24, Bank of Moscow, Raiffeisenbank, Gazprombank, Binbank, Alfa-Bank, FC Otkritie bank, Promsvyazbank and Rosselkhozbank. For the first quarter of 2020, the Central Bank of the Russian Federation set an average size for them deposit rate at the level of 9.79%.

The most popular bank offers

For all presented programs, capitalization of interest is provided. How more amount deposit, the higher the interest rate.

What will happen to interest rates on deposits in 2020

Despite the difficult economic situation in the country, the deposit market will not close. The Central Bank will continue to offer banks new ways to raise funds from individuals.

Future investors should pay attention to the following points in order to choose the right financial institution and not be left with a loss:

• reject offers of financial institutions offering 3.5% more than the average interest rate;
• The Central Bank independently determines the level of profitability of a particular bank, and if interest rates exceed at least two points, then it will have to pay several times more than the previous payments to the Deposit Insurance Agency.

Making forecasts for the coming years, analysts collect data on interest rates from dozens of banks that attract the largest number of deposits from individuals. The calculation is carried out three times a month every 10 days. The regulator also obliged all banks not to exceed the level maximum bid on investments by more than 2%.

Drawing conclusions for 2020, at the end of December, the interest rate will reach 8.345% with a maximum value of up to 10%. In the worst case, its threshold will drop to 8.333%. On average, the annual interest rate will be 9.143%.

It is best to make deposits for a period of no more than a year in order to be able to quickly manage your money in case of changes in the dynamics of interest rates on deposits. The deposit agreement can always be extended, thereby protecting yourself and continuing to increase your capital.

Most big stakes on deposits in Moscow banks from the top 10 are presented on this page. You can compare and choose a deposit under maximum percentage for today, in 2020.

A bank deposit for individuals today is one of the most accessible tools for investing savings. By opening a deposit, you keep your money in a safe place, receive a small income from it, and also have quick access to it if necessary.

Most deposits, which are issued at maximum interest, have common features. They cannot be replenished, partial withdrawal of money without loss of interest is also prohibited. The only exception is short-term deposits for a period of 1-3 months. But they, in general, are not term deposits, but savings accounts with no time limit for investing savings.

When choosing a deposit, of course, first of all, everyone looks at the percentage offered by the bank. Below are the most profitable deposits for individuals today in Russian banks from the top 10, as well as their decoding by terms:

• 1 month;
• 3 months;
• 6 months (six months);
• 1 year (12 months).

Deposits with the highest interest rates today

Thinking where to invest money in 2020 so that they work, many are wondering: which bank has the most a large percentage by deposits. But when opening a deposit account with a bank, you should pay attention not only to the percentage, but also to the conditions of this deposit, such as minimum amount and term.

Deposit calculator

Deposits at the maximum percentage in top 10 banks

"A profitable approach"
ICD

For those who open IIS
Without replenishment
Without partial withdrawal
Without capitalization
Interest at the end of the term

"Takeoff"

Replenishment
Partial withdrawal
Without capitalization
Interest monthly

"For life"
UniCredit Bank

Registration of ILI or NSZH
Without replenishment
Without partial removal
Capitalization monthly
Interest monthly

"Profitable"

Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"Reliable Promo"
FC Otkritie

Without replenishment
Without partial removal
Capitalization monthly
Interest monthly

"My income"

Replenishment
Without partial removal
Capitalization at the end of the term
Interest at the end of the term

"150 years of reliability"

Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"For Savings"
Gazprombank

Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"Growing Time"
VTB bank

Without replenishment
Without partial removal
Capitalization monthly
Interest monthly

"Victory+"

Without replenishment
Without partial removal
Capitalization
Interest monthly

"Save"

Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

Deposits with maximum interest for 1 month

Deposits with maximum interest for 3 months

High interest deposits for 6 months

High interest deposits for 1 year

If you need to withdraw all the money from the deposit before the expiration date, you can do this at any time. However, interest will most likely not be charged!

What is the safest amount to open deposits?

According to Russian legislation deposits up to 1,400,000 rubles are insured if the bank participates in the deposit insurance system. In the event of revocation of a license from such a bank, the Deposit Insurance Agency, through agent banks, fulfills obligations to its depositors within the established limit. This is the meaning of the guarantee of the safety of savings entrusted to the bank.

In a word, if you invest less than 1,400,000 rubles, then you can choose the highest percentage of deposits in banks- if the license is revoked, of course, you will have to be nervous, but the money will still be returned.

Refunds in excess of the specified amount are not guaranteed, so if you keep more than 1,400,000 rubles in the bank, then you are taking on an increased risk.

Find out the exact conditions and interest on deposits in branches or on the official websites of banks. The data is presented for informational and educational purposes and is not a public offer.