Which bank gives the highest interest on deposits? High interest deposits - which banks have higher interest rates? Best deposits in dollars

A deposit, also known as a deposit, is money that a client places in a bank in order to preserve and increase his capital.

The greatest income comes from time deposits with the highest interest rates. The best rates on deposits in rubles and foreign currency can be obtained during seasonal or other special promotions of banks.

Bank deposits individuals are divided into many types depending on the term, additional options and currency.

Banks offer a number additional operations for time deposits:

• interest capitalization is monthly transfer interest on the deposit account so that the next accrual of interest is made from the total amount of the initial deposit and accrued interest;
• auto-renewal – extension of the contract in automatic mode if the depositor does not withdraw the deposit amount at the end of its validity period;
• replenishment and partial withdrawal money from a deposit account provides the client with the opportunity to manage funds without terminating the agreement with the bank.

Best deposits banks are selected taking into account all these components.

Depending on the type of currency used, deposits are: ruble, foreign currency (deposits in dollars, euros and other currencies), multi-currency (the deposit amount is made up of the amount of funds in several currencies). Best interest and it is deposits in rubles that provide the maximum profitability.

Investing money in foreign currency is one of the most popular ways to save and increase your capital, especially in times of crisis.

Almost everyone Russian bank offers foreign currency deposits in dollars and euros. You can keep your savings in both British pounds sterling and Swiss francs, as well as in Chinese yuan And Japanese yen. You can compare exchange rates on our website in the "Currency Rates" section. There are few offers of deposits in these currencies, since the demand for them is low.

Interest rates even on favorable time deposits in foreign currency, in comparison with ruble ones, are lower due to the instability of the ruble against the dollar and euro. Also, depending on the age of the applicant, deposits are allocated for pensioners and students.

Which deposit to choose, and how to find reliable deposits for high percent per annum? Our form will help you find the best interest rates on deposits and other parameters. With its help you can select not only profitable deposits, but also reliable banks for their placement in the current 2019

Today in Moscow, the highest interest rate in rubles is the At the Top deposit (share in NSZh 30-99.9%) in Gazprombank (JSC) - 9.50% per annum. Minimum amount deposit of 50,000 rubles with interest payment at the end of the deposit term. It can be called best deposit in rubles.

Since May 2016, Bank of Moscow has been operating under the brand VTB Bank of Moscow in connection with the merger of these organizations. For this reason, the information provided below about deposits is NOT CURRENT!

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Deposits in the Bank of Moscow today

Contribution “Maximum comfort”

The minimum amount to open is 1000 rubles. Depending on the term and amount, the interest rate can reach 7.4% per annum. The terms of the deposit include: capitalization or monthly interest payment, partial withdrawal, replenishment and auto-extension. Important: When opening a deposit through Internet Banking, the interest rate may increase by 0.3% per annum.

“Maximum growth” deposit

The opening amount is 1 thousand rubles or more. Maximum interest on this contribution- 8.05% per annum. Terms vary from 91 to 1095 days. Interest will be paid or capitalized every month. The conditions provide for partial withdrawal, auto-renewal and replenishment. Important: When opening remotely via Internet Banking, the interest rate will be increased by 0.3%.

Deposit "Maximum income"

The minimum amount to open is 1000 rubles. The investor can capitalize or receive interest every month. There is no possibility of replenishment or partial withdrawal. Automatic renewal is provided. This deposit has the highest interest rate in the Bank of Moscow - 8.35% per annum. Important: When opening via Web-banking, the interest rate may increase by 0.3% per annum.

Bank of Moscow - deposit calculator

Having picked up best rates for deposits in the Bank of Moscow today, you can use our special calculator to calculate your deposit online.

Fill in all fields and click on the "Calculate" button. It is important to note that to enter fractional numbers you must use a comma and not a period (for example: 20.2, not 20.2), otherwise the calculator will not work.

A bank deposit is an opportunity to earn interest by investing your money in a bank for certain period. None of the programs can be called universal - recipe profitable investment money is different for everyone and depends on the depositor’s attitude to the bank’s reliability, auto-renewal, capitalization and other conditions. The best interest rates on deposits usually involve risks and some inconvenience for the depositor.

This page contains a collection of banks offering maximum bets interest on deposits. To get to know best offers and programs in more detail, click the “Apply” button - you will be redirected to the bank’s website.

"Creditznatok" is a service that allows you to select deposits with the maximum interest rate or the most favorable conditions, taking into account the variety of offers. Regardless of what matters to you - flexibility of conditions, availability of capitalization or maximum income - here you will find the highest interest rate on deposits in Moscow and can now profitably manage your money.

Analysis of profitable offers

Offers that include the possibility of capitalization allow you to make the most profitable investment. Income is compounded every month, and in the next period interest is calculated on the new increased amount. Among the best profitable offers we can also highlight:

• not allowing replenishment and partial withdrawal of funds;
• not allowing withdrawal of income before the end of the contract;
• promotional offers from banks dedicated to memorable dates.

Time deposits at the highest interest rates can also be found among foreign currency products: the interest rate here is lower than that of ruble deposits, but the options are very wide and flexible. You can open an account not only in dollars and euros, but also in other currencies.

It is easier to find profitable deposits at high interest rates in less popular small banks. Having an impeccable reputation, large banks do not need the highest rates to attract depositors - many of them choose reliability and stability over fast money. Additional benefits— convenient Internet banking, bonus programs, the presence of ATMs not only in Moscow, but even in small towns.

We have collected on this page the banks that offer the highest income and allow you to invest your funds profitably. Choose suitable bank possible according to several criteria: high income, term, deposit size, currency. It should be remembered that a large rate exceeding the refinancing rate by 5 points will entail the need to pay a tax of 35% on the difference between the interest.

To find out more, click on the “Apply” button: get all the necessary information and fill out an application on the bank’s website. Search profitable offer together with "Creditznatok"!

28May

Money is not only a tool for making payments. They should not only be preserved, but preferably also. One of effective ways increase the amount of savings are deposits. Many banking organizations offer to open them, of course, under different conditions. Today we will discuss how to choose deposits that are profitable for yourself.

Contribution: concept and essence

A deposit is a certain amount of funds that you transfer to a banking organization in order to receive income in the form of interest. It’s easy to become a depositor: you need to enter into an agreement to place money in rubles or other currencies in a bank account.

Any citizen has the right to place a deposit for individuals, regardless of his social status and financial situation.

TOP 20 banks where you can open a deposit

We will analyze the conditions for opening deposits according to several criteria.

Let us also immediately note important information: all data regarding interest rates and opening conditions were obtained from the official websites of banking organizations. It can change and be supplemented, this is the prerogative of banks.

Tinkoff Bank

1. Minimum contribution– 50,000 rubles;
2. Minimum placement period- 3 months;
3. Maximum placement period– 24 months;
4. Minimum % rate – 5,5%
5. Maximum % rate – 8,8%;
6. Accrual %– on a deposit or, at the client’s request, on a card;
7. Replenishment– regardless of time, via the Internet;
8. Removal in parts– regardless of the time, as convenient for you.

Summary: ease of opening, the ability to withdraw and top up your account at any time, quite a reasonable deposit amount. The bank participates in the deposit insurance system that we mentioned today. From nice bonuses It can be noted that everyone who opens a deposit becomes the owner debit card jar. It is also possible to open a deposit in different currencies.

1. Minimum contribution– 1 ruble (depending on the type of deposit being opened);
2. Minimum placement period– 30 days (deposit “Save”);
3. Maximum placement period– 36 months;
4. Minimum % rate – 3%;
5. Maximum % rate – 7%;
6. Accrual of % occurs depending on the type of deposit;
7. Replenishment – Maybe;
8. Removal in parts- allowed.

Summary: The bank is certainly reliable, stable, and supported by the state. Participates in the deposit insurance system; you can open a deposit without visiting the office in person. At the same time, we note that interest rates leave much to be desired.

VTB 24

1. Minimum contribution– 200,000 rubles;
2. Minimum placement period- 90 days;
3. Maximum placement period– 60 months;
4. Minimum % rate – 4,10%;
5. Maximum % rate – 7,4%;
6. Accrual of % - every month;
7. Replenishment – Maybe;
8. Removal in parts– possible (deposit “Comfortable”).

Summary: The amount of the first payment is large, not everyone can make it. Quantity available deposits small, but this can hardly be considered a negative. At the same time, it is possible to withdraw funds ahead of schedule, as well as replenish the deposit.

1. Minimum contribution– 10 rubles (deposit “On demand”);
2. Minimum placement period– depends on the type of deposit;
3. Maximum placement period– depends on the type of deposit;
4. Minimum % rate – 0,01%
5. Maximum % rate– 8.75% (investment deposit);
6. Accrual of % - every month;
7. Replenishment – yes, for “Managed”, “Savings”, “Pension Income” deposits
8. Removal in parts– yes, for “Demand” and “Managed” deposits.

Summary: The amount of the down payment is available to everyone; there are no restrictions on the terms of the deposit.

1. Minimum contribution– 1000 rubles;
2. Minimum placement period- 3 months;
3. Maximum placement period- 2 years;
4. Minimum % rate – 7,25%
5. Maximum % rate – 9,0%
6. Accrual of % - at your choice (every month or capitalization);
7. Replenishment – Maybe;
8. Removal in parts– not for all types of deposits.

Summary: Not all deposits are available for replenishment; cash for withdrawal must be ordered several days in advance. Positive aspects: you can manage your deposit without visiting the office.

1. Minimum contribution– 100 rubles (for the “Pension” deposit);
2. Minimum placement period- 90 days;
3. Maximum placement period–1095 days;
4. Minimum % rate – 0.01% (on demand deposit)
5. Maximum % rate– 7.8% (for the “Vacation” deposit);
6. Interest is accrued at the end of the term;
7. Replenishment – Yes;
8. Removal in parts – only for the “Dynamic” deposit.

Summary: The bank is a participant in the deposit insurance system, there is the possibility of personal consulting.

1. Minimum contribution – 10,000 rubles;
2. Minimum placement period – 3 months;
3. 2 years;
4. Minimum % rate – 6,5%;
5. Maximum % rate – 7,35%;
6. Accrual % – daily, monthly;
7. Replenishment – yes, it's possible;
8. Removal in parts – yes, it's possible.

Summary: There is an increase in the rate when opening online, the bank is included in the deposit insurance system, and there is a relatively small minimum contribution.

Bank opening

1. Minimum contribution – 50,000 rubles;
2. Minimum placement period – 3 months;
3. Maximum placement period – 2 years;
4. Minimum % rate – depends on the type of deposit;
5. Maximum % rate – 8%;
6. Accrual % – 1 time per month (capitalization available);
7. Replenishment – Maybe;
8. Removal in parts – perhaps under the “Free Control” deposit.

Summary: There is an opportunity to replenish the deposit amount; online opening is available.

Alfa Bank

1. Minimum contribution – 10,000 rubles;
2. Minimum placement period – 3 months;
3. Maximum placement period – more than 3 years;
4. Minimum % rate – 4,5%;
5. Maximum % rate – 7.2% on the “Victory +” deposit;
6. Accrual % – every month;
7. Replenishment – Yes;
8. Removal in parts – Yes.

Summary: there is an opportunity to earn serious income, but for this you need to deposit a large sum minimum contribution, up to 3 million rubles.

1. Minimum contribution – 30,000 rubles;
2. Minimum placement period – 1 month;
3. Maximum placement period – 36 months;
4. Minimum % rate – 5%;
5. Maximum % rate – 8,5%;
6. Accrual % – every month;
7. Replenishment – yes, according to the “Always at hand” deposit;
8. Removal in parts – Maybe.

Summary: It is possible to make a minimum contribution in several payments, and there is the possibility of monthly replenishment.

1. Minimum contribution— 10,000 rubles;
2. Minimum placement period – 1 month;
3. Maximum placement period – 24 months;
4. Minimum % rate – 6,0%;
5. Maximum % rate – 9%;
6. Accrual % – at the end of the contract;
7. Replenishment – Yes;
8. Removal in parts – Yes.

Summary: for opening a deposit via the Internet, 0.25% is added. It is possible to withdraw money and not lose interest.

UBRD

1. Minimum contribution – 1000 rubles;
2. Minimum placement period – 6 months;
3. Maximum placement period – 4 years;
4. Minimum % rate – 5% (for deposits in gold and silver);
5. Maximum % rate – 9%;
6. Accrual % – every month;
7. Replenishment – Yes;
8. Removal in parts – available.

Summary: small down payment amount, wide choice of deposits.

1. Minimum contribution – 1000 rubles;
2. Minimum placement period – 90 days;
3. Maximum placement period – 36 months;
4. Minimum % rate – 7,4%;
5. Maximum % rate – 8,3%;
6. Accrual % – 1 time per month;
7. Replenishment – Yes;
8. Removal in parts – Yes.

Summary: the bank increases the rate on deposits for persons who opened it via the Internet and ATMs (+0.3%). Also the percentage will be higher if you payroll client or a pensioner.

1. Minimum contribution – 10,000 rubles;
2. Minimum placement period – 366 days;
3. Maximum placement period – 366 days;
4. Minimum % rate – 6,3%;
5. Maximum % rate – 8,10%;
6. Accrual % – every month;
7. Replenishment – Yes;
8. Removal in parts – Yes.

Summary: We see that the minimum contribution is small, it is possible to withdraw and replenish deposits, and you can also receive % every month.

1. Minimum contribution – 1000 rubles;
2. Minimum placement period – 6 months;
3. Maximum placement period – 36 months;
4. Minimum % rate – 7,0%;
5. Maximum % rate – 8.22% (if you deposit 3 million rubles);
6. Accrual % – 1 time per month or at the end of the term;
7. Replenishment – Yes;
8. Removal in parts – No.

Summary: opening in rubles and foreign currency is available; you cannot withdraw money partially, but at the same time you can replenish the entire line.

1. Minimum contribution – 5000 rubles;
2. Minimum placement period – 6 months;
3. Maximum placement period – 1 year;
4. Minimum % rate – 7,5%;
5. Maximum % rate – 8.25% (“Capital”);
6. Accrual % – every month, every quarter;
7. Replenishment – Yes;
8. Removal in parts – Yes.

Summary: The bank’s website contains information that deposits are accepted only in rubles; in addition, you can get an increased percentage if you open a deposit via the Internet. It is permissible to close the deposit early and not lose the accrued interest.

1. Minimum contribution – 5000 rubles;
2. Minimum placement period – 1 month;
3. Maximum placement period – 24 months;
4. Minimum % rate – 6,5%;
5. Maximum % rate – 8,6%;
6. Accrual % – daily (if the “On Demand” deposit is opened);
7. Replenishment – Yes;
8. Removal in parts – Yes.

Summary: can be replenished open deposits and withdraw some of the funds.

Bank "Ugra

1. Minimum contribution – 100 rubles;
2. Minimum placement period – 61 days (for the “Special Client” deposit)
3. Maximum placement period – 36 months;
4. Minimum % rate – 6%;
5. Maximum % rate – 10%;
6. Accrual % – 1 time per month;
7. Replenishment – Yes;
8. Removal in parts – Yes.

Summary: Deposits can be replenished and withdrawn in parts; initially, you can deposit a small amount.

Bank Uralsib

1. Minimum contribution – 1000 rubles;
2. Minimum placement period – 90 days;
3. Maximum placement period – 36 months;
4. Minimum % rate – 6,1%;
5. Maximum % rate – 9,0%;
6. Accrual % – every month;
7. Replenishment – Yes;
8. Removal in parts – Yes.

Summary: The banking institution offers a wide range of deposits, there is plenty to choose from.

1. Minimum contribution – 30,000 rubles;
2. Minimum placement period – 91 days;
3. Maximum placement period – 720 days;
4. Minimum % rate – 6,5;
5. Maximum % rate – 8,5%;
6. Accrual % – every quarter, at the end of the term;
7. Replenishment – acceptable;
8. Removal in parts – Yes.

Summary: The bank offers a fairly wide selection; when opening via Internet banking, the percentage is slightly higher.

Comparative table for all banks

In the next part of our conversation, we will look at how to correctly compare deposits.

How to compare different deposits

It is clear that most people consider the interest rate to be the most important indicator for comparison. But no less important are the indicators that we have already discussed in the table above: the ability to withdraw money and top up your account.

The level of income you will receive on your deposit primarily depends on the rate. If you open a deposit in foreign currency, you will receive less income if in rubles – more. Rates by foreign currency deposits always lower than in rubles.

Separately, we note that opening deposits without visiting a bank office, online or through an ATM, is currently becoming increasingly popular. Some banks offer a percentage slightly higher than the standard for such an opening. We also already wrote about this in the article.

If you read the recommendations of various experts, they note that you should not give priority when choosing a deposit to such an indicator as the interest rate. It happens that their high level hides a great risk or is not at all profitable terms. The rate indicated in the advertisement – in fact below.

There is another criterion for comparison: the size of the minimum and maximum amount contribution. It cannot be said that it plays a big role, but it is worth paying attention to it, since the minimum contribution is associated with expense transactions. Speaking in simple language, this means that if you withdraw funds partially, this amount must remain in the account.

You cannot withdraw money more than this amount; you will lose everything that was credited. This is especially important for investors who have small amounts funds, invest them in order to withdraw the maximum at any time.

Purposes of placing deposits

It would seem that there is nothing complicated: you open a deposit so as not to lose money, save it, and also increase its quantity. But there are a number of other goals. Let's talk about them.

1. Earn money.

Don't be surprised, this is quite possible. Often banking organizations hold promotions of various types. If circumstances go well, you can get additional income.

2. Get benefits.

As an example, let’s take one of the largest banks in the Russian Federation. It has the following condition: for a person who opens a deposit for a certain amount, there will be preferential terms By mortgage lending. Imagine, there are not so few people willing.

3. Protect your money from inflation.

If you have set such a goal for yourself, then you can choose practically any type of contribution - they will all help with this. Keeping money in a box at home is not the best the best option, sooner or later inflation will eat them up, and no one is safe from thieves.

4. Save up for a major purchase.

We all know that there are people who don’t keep money in their pockets. They say about such people: give him a million, he will spend it in 2 hours. As a result, it turns out that money is needed for something really serious, but it is not there.

In this case, a bank deposit comes to the rescue. Moreover, it would be better if it was impossible to withdraw money ahead of schedule. Then it will work out.

Now let’s talk in more detail about what types of deposits there are and how they are classified.

What types of deposits are there?

To attract a large number of clients, banking organizations are constantly expanding their line of deposits, adding more and more new ones. We will now look at the most popular types of deposits for us – ordinary people.

All deposits can be divided into 2 categories: urgent And poste restante. Term deposits are opened for a specific time; demand deposits do not have a specific period.

Savings.

It is worth noting that the highest rates are for this group. In addition, it is not always possible to withdraw money from such deposits or to deposit funds into the account.

Calculated.

Thanks to the presence of such a deposit, you can control your finances and manage your savings. This type of contribution is also called universal.

Cumulative.

Provided for those clients who plan to replenish it throughout the entire term of the deposit. They are most often used by people who save up for expensive purchases.

Special.

These are deposits that are offered to certain groups of clients. This includes deposits for students, pensioners, and so on.

By season.

Timed to coincide with a certain time of year. They often have fairly high rates, but there is no rollover option.

Mortgage.

Designed for those who want to save up on their own an initial fee on mortgage. They can be replenished, but cannot be renewed automatically.

Part of the funds or the entire amount immediately after the end of the contract will be used to pay the mortgage premium. Now in the Russian Federation such a deposit is not found in all banking institutions.

Indexed.

This deposit belongs to the category of fixed-term deposits and is tied to changes in the value of an asset. The asset can be the dollar exchange rate, securities, precious metals and more.

Multicurrency.

The point of such a deposit is that the funds are stored in various currencies: most often rubles, euros and dollars. There is, of course, the opportunity to store money in more exotic currencies, but this is rare.

The main advantage of this type of deposit is the ability not to lose profitability and transfer funds from one currency to another. This is called conversion. As a rule, they do not charge a commission for it, but the rates here are lower than for other types of deposits.

Children's.

Opened in the name of a child who is not yet 16 years old. The contribution is targeted.

Numbered.

A person deposits funds into it only in cash. When opening such a deposit, the client can count on complete anonymity of his account.

How to choose a bank to place a deposit

Choosing a banking organization that you can trust with money and not be afraid of losing it will take a decent amount of time.

To make this task a little easier, here are a few recommendations:

1. Don't neglect other people's feedback. Check them out, it definitely won't hurt. Only Special attention focus on those that are presented on the Internet as a whole, and not on the official websites of the banking organization.
2. Study information in the media for publications about the bank in a negative way.
3. When visiting a bank, check how interest rates apply on deposits: if they are too high, this is a reason to be wary;
4. You can use the information posted on the Banki.ru portal. Positive side The point here is that all the data on the site is presented in simple language; you don’t need to be an expert in economics to understand the topic;
5. Find out if the bank has branches and branches;
6. An important criterion for selection is the bank’s participation in the system state insurance deposits. This information is freely available on the Internet; finding it will not be a problem.
7. On the official website of the Central Bank of the Russian Federation you can view information related to the reporting of banking organizations. The only downside here is that you have to figure it out to the common man difficult, requires specialist help.
8. An important indicator is the amount.
9. You can inquire about the bank's ratings, they are published special agencies. Of course, it’s difficult to keep track of them, but how? Additional information quite usable.
10. An indirect sign that all is not well with the bank are frequent failures in various operations.

Mistakes we make when choosing a bank

It is not always possible for a potential investor to adequately assess the reliability of the chosen banking organization.

By the way, the most common mistakes are made:

1. Selecting the highest deposit rate. This is dictated by the desire to increase the amount of their funds. If this is your only goal, you're better off using something else. financial instrument. Very high rates should not attract, but repel the client. Their presence is an indicator that the bank needs funds and is having financial difficulties.
2. Excessive trust in bank specialists. Even if an employee speaks convincingly and beautifully, his words must be supported by something. Stable and reliable institutions provide clients with all publicly available information.
3. Opening a deposit in a servicing banking organization. Often, depositors entrust their funds to the bank from which they receive salaries or other types of regular payments. This is convenient, but there is no need to bring all the money to one institution; it is better to distribute it among several.
4. Following untested recommendations. The experience of your friends and relatives is important, but you don’t need to follow it blindly. They are most often based on the opinion of a particular person, and not on the actual state of affairs.

To summarize, I would like to say that the choice of a banking organization must be approached with increased attention and thoroughness. It is better to spend time finding the bank that best suits you than to risk your savings.

State deposit insurance

Thanks to the implementation of this system, a person can get his money back even if the bank is recognized or its license has been revoked.

In 2017, deposits up to 1,400,000 rubles were insured. If you have deposits in several banks and all these credit organizations have undergone bankruptcy, from each you will receive 1,400,000.

This program also applies to deposits made in foreign currency. The amount in this case will be calculated at the rate in effect on the date of revocation of the bank’s license. Recalculation is carried out in rubles.

Reasons for refusal to open a deposit

A banking organization, without stating the reason, may refuse to open a deposit for a client.

This happens infrequently, and the reasons may be the following:

• The client is under 14 years of age;
• The client does not have the opportunity to present a passport or other document that will prove his identity;
• A citizen of another state wants to open a deposit but cannot confirm his right to reside in the territory of the Russian Federation.

In the next part of our article, we will take a closer look at 20 banking organizations that have already proven themselves to be reliable. People trust them with their money without fear for its safety. We propose to analyze the range of deposits offered by these institutions, and then draw a conclusion in which bank it is better to open a deposit.

Personal income tax and deposits of individuals

Most of deposit programs does not require payment. Tax will be charged only if the level of income exceeds that established by law. But in this year banking organizations lowered deposit rates due to increased insurance rates. Which means high level there is no expectation of profitability.

You may ask: do you need to pay something or not? Let’s answer this: this direction of payments is practically not controlled. If you receive a payment notice, of course, make the payment. But if you haven’t been notified about this within 3 years, you don’t have to pay.

Interest on deposit: how to calculate

To begin with, let us immediately note that you should not completely trust the amount of interest on the deposit that is indicated in the advertising of the banking organization. Before you entrust your hard-earned money to a bank, try calculating the interest yourself. This may seem complicated to you, but we will try to explain in as simple a way as possible how to do this.

First of all, you should not completely trust the calculation to the deposit calculator.

They will not show real results because:

1. Their functionality is poor; the calculator does not take into account all the details. Therefore, you can refuse to use it and try to calculate everything manually.
2. Calculate everything before you decide on the bank and type of deposit. This is necessary to evaluate and compare different offers.
3. If you have any questions, contact the bank’s consultants, they will clarify all the necessary points.

Now let's move on directly to terminology and calculations.

Interest on deposits is calculated in two ways: using compound or simple interest formulas. The key parameter in both cases is the interest rate on the deposit.

The concept of % on a deposit refers to the amount that the bank pays to its client for using his money.

The rate is usually specified in the contract, indicated as a percentage per annum. The rate can be floating or fixed.

If we're talking about in a simple way% accrual, they are not added to the deposit amount, but are transferred to the depositor’s open account.

In the second option, the income that is accrued is added to the body of the deposit, it turns out that its principal amount has increased, which means that the total profitability has also increased.

Formulas

We calculate interest in case of simple accrual:

S = (P x I x t / K) / 100, Where:

• S – accrued%;
• P – the amount you deposit;
• I – deposit rate for the year;
• t – number of days for which % will be calculated;
• K – number of days per year (don’t forget about leap days).

Example. Citizen O. opened a deposit in the amount of 200,000 rubles, for a period of 12 months, at 9.5% per annum. The percentage calculation is simple. After the end of the deposit period, O.’s income will be: (200,000 * 9.5 * 365 /365) / 100 = 19,000 rubles.

If compound interest calculation is implied, the calculation will look like this:

S = (P x I x j / K) / 100, Where:

• S – accrued%;
• P – the amount you deposited;
• I – % of the deposit for the year;
• j – number of days in the billing period;
• K – number of days in a year.

Example. Citizen O. opened a deposit in the amount of 200,000 rubles, for a period of 6 months, at 9.5% per annum with capitalization. After the end of the deposit period, O.’s income will be: (200,000 * 9.5 * 180 /365) / 100 = 9369 rubles. (for 6 months).

Deposit in foreign currency: nuances

Given the current economic conditions Investors prefer to keep part of their money in foreign currency. If you are ready to open such a deposit, then remember: if the bank loses its license, the deposit amount will be paid to you in rubles.

Besides this, there is one more subtlety: DIA begins insurance payments 14 days after your bank’s license is revoked. And during this time, the exchange rate may rise, so you may lose some amount.

What do investors risk?

This is an important question that cannot be left unanswered. After all, everyone knows very well that every coin has two sides: positive and negative. We have already talked about the advantages of opening deposits, now we will discuss possible risks.

The most common are the following:

• The banking organization is declared bankrupt;
• Payment of personal income tax;
• Increase in rates for deposits opened for a long time;
• Liquidity risk;
• Reinvestment risks.

And now a little more detail.

The bank was declared bankrupt.

To somewhat reduce the possibility of such a situation occurring, place your savings in different banking organizations, in amounts not exceeding 1,400,000 rubles. If something happens to the bank, the state will return your money.

Payment of personal income tax.

This will only have to be done if the rate on your deposit is 5% higher than the refinancing rate. Then you will have to pay, and in the amount of 35% of the excess amount.

Increase in rates for deposits opened for a long time.

If you open a deposit at 9% per annum for a period of 36 months, and after a year the rate becomes 12%, you lose 3% of income.

Liquidity.

This risk arises if you terminate the contract early. term deposit. It’s better to open a deposit where funds can be partially withdrawn.

Reinvestment risk.

Let's say you opened a deposit for 6 months at an interest rate of 10%. You plan to reinvest these funds. But after 6 months the rates dropped and now you can only get 8% per annum.

To minimize risks, choose a bank carefully.

Fraudulent transactions related to deposits

IN Lately Revocation of licenses from banking organizations is a regular occurrence. But the problem is that 27 thousand people contacted the Deposit Insurance Agency with statements that people could not get a refund of their funds. As it turned out, there were fraudulent actions with deposits on the part of banks.

What is the essence of such fraud? It turned out that banking organizations were kidnapping cash from the accounts of their investors. Double accounting was carried out, and the person did not even realize that he had been robbed. In accounting, the information that deposits were opened was either not indicated at all, or in a greatly reduced amount: instead of 500,000, only 50 rubles were reflected.

After the licenses were revoked, depositors were faced with the fact that there was no money in their accounts and nothing to reimburse.

How to protect yourself from such manipulations? Unfortunately, it is impossible to do this 100%. But we recommend that you keep all documents in the original: orders confirming transactions, agreements on opening deposits, and so on. And act actively, do not wait for the situation to normalize itself.

Proceed according to this algorithm:

• Contact banking organization with a statement about insurance compensation by attaching the documents that you have in your hands;
• The application from the bank is transferred to the Insurance Agency;
• The agency registers it and reviews it;
• If the decision is positive, changes will be made to the payment register;
• As a result, you will receive your money in full.

Of course, this procedure will make you waste not only time, but also nerves. Although, most likely, the outcome will be positive.

We can also advise placing deposits in banks that are among the largest. This somewhat reduces the risk of license revocation and fraud. But this is everyone’s personal business, we will not impose anything.

Conclusion

So, our dear readers, now you know how to choose a suitable bank and open a deposit in it. If you place your funds successfully, you will not only save money, but also receive income. The main thing is to choose a bank wisely, and it is best to place funds in several stable banking institutions.

Deposits in Moscow at high interest rates in 2018: compare the rates and conditions of the most favorable ones today bank deposits for individuals, including pensioners.

Deposits at high interest rates in Moscow banks - 2018

Individual deposits are by far the most popular and sought-after way to invest money. By giving our savings to banks, we hope not only to save, but also to increase our funds. That’s why we try to choose deposits where the interest rates are the highest and the conditions are the most convenient.

Today Moscow banks offer a large number various types deposits for individuals. But all of them can be divided into several large groups:

Time deposits under maximum percentage. By opening such a deposit, you give the bank money for a certain period (3-6 months, 1 year or 3 years), and during this time you cannot withdraw money without losing the accrued interest, or replenish the account. As a rule, such deposits have the highest rates.

Replenishable deposits. By opening such a deposit, the investor can save money by replenishing the account, and at the same time the interest increases. However, it is impossible to withdraw even a small amount of funds from the account without losing income.

Spending deposits with partial withdrawal of funds without loss of interest. Such deposits have the lowest interest rates. But they give you the opportunity to withdraw part of the funds up to a pre-agreed minimum balance, on the amount of which interest will be accrued in this case.

The most profitable deposits in Moscow in rubles in 2018

In this comparative table we have collected ruble deposits of individuals with the maximum interest rates that Moscow banks offer today.

Bank International Financial Club Deposit “Confident Choice”

Natsinvestprombank Deposit “Choice of Success”

• See what interest rates on deposits are offered today

Bank ZENIT Deposit “Dessert (online)”

Bank Klyukva Deposit “My Profitable”

Bank standard-credit Deposit "Urgent-Lux"

Inkarobank Deposit “Time of Discovery”

• See the conditions under which you can open a bank deposit today

Ziraat Bank Moscow Term Deposit

Bank New Age Deposit “VIP Top up”

Inkarobank Deposit “High Interest”

Deposits in Moscow at maximum interest rates in dollars

In this comparison table we have collected dollar deposits individuals with the maximum interest rates that Moscow banks offer today.

Bank "St. Petersburg" Deposit "Strategist online"

SMP Bank Deposit "Strategy"

Binbank "Investment in the future (Accumulative insurance)"

Alfa-Bank Deposit “Pobeda+ (Maximum+ package)”

Inbank Deposit "Maximum"

Bank Tavrichesky Deposit "Tavrichesky Maximum (online)"

Oriental Express Bank Deposit "Vostochny (tariff zone 1)"

Promtransbank Deposit “Term in foreign currency”

Mosoblbank Deposit “Personal”

Which bank in Moscow is better to open a deposit?

When choosing a bank in Moscow for making a deposit, today you should first of all evaluate the interest rate and the quality of customer service. If earlier experts recommended choosing the largest banks as the most reliable, then the current situation in the financial sector shows that practically no one is insured against a fall. Of course, except for systemically important banks, which the Central Bank will most likely rescue in any case.

Fortunately, the Deposit Insurance Agency (DIA) has been operating in Russia for a long time, so it is possible to get your money back even if the bank fails.

How to open a bank deposit correctly

In pursuit of a large percentage, now you can secure your savings by choosing to deposit even the least reliable bank. Today it is more important to correctly distribute savings so that total amount deposits of individuals in one bank did not exceed the amount that the DIA will return to you in the event of revocation of the license. It is better to break a large amount into parts and distribute it among several banks in Moscow at the most favorable interest rates.

You should also not open large deposits in one bank for yourself and close relatives. In case of insured event, you may be accused of allegedly wanting to deceive the DIA in this way.

It is also important to ensure that your deposit is actually opened and taken into account in the bank’s accounting department, and not taken off the balance sheet (similar cases have already happened), otherwise it will be difficult to prove the existence of a deposit.

The best interest rates on deposits in Moscow

When choosing deposits in Moscow banks with the highest interest rates, we immediately cut off replenished deposits and those that involve partial withdrawal of money. Stops at deposits of individuals placed for a certain period: a month, three months, six months, a year, etc. If you think that the maximum interest on a deposit in rubles can be obtained if you make a deposit for a long period, for example, 3 years or even 5 years, then you are mistaken. Today, the most profitable are time bank deposits for six months or a year. You can make a deposit for this period to get the most high bid, and then withdraw the money and deposit it again, perhaps in another bank in Moscow, which at that time will offer a more favorable interest rate.

Investment deposits in Moscow with maximum interest

Fighting for clients' money, banks have recently increasingly offered so-called investment deposits. According to their terms, the client, simultaneously with registration bank deposit, purchases, for example, securities or transfers a certain amount to a share investment fund. The interest rate on such deposits is usually higher than on others. But before you are flattered by a big income, check whether the money invested in mutual funds or securities will be returned to you if the bank loses its license. And then think about whether you are ready to risk your savings or whether it is better to choose a less profitable way of investing money, but a more reliable one.

Profitable deposits in Moscow banks with increased interest rates

Selecting the most favorable deposit, check the possibility of opening a deposit online. Often, when opening via the Internet, the bank charges a premium to the interest rate.

In addition, deposits in Moscow banks for premium clients have an increased interest rate. Signing up for service packages with privileges can be beneficial for you. At the same time, in order to become a premium client of the bank, it is not necessary to have millions in your account; sometimes it is enough to purchase a platinum card, which can really be convenient for you.

In a word, if you want to invest a large amount, then compare what will be more profitable for you: several deposits in not very stable banks at a high interest rate or a premium deposit in the amount of 1.5 million rubles in a reliable bank with state participation.

Find out more about the conditions and interest rates of today's best personal deposits in Moscow on official websites or at bank branches. The information is not a public offer.