Bank deposits latest data. Is it worth keeping money in bank deposits: all the pros and cons

Bank deposits are one of the most common, accessible and familiar options for us to receive passive income. In essence, everything is simple here: a person has a free amount of money, he gives it for temporary use to the bank, which pays the depositor a reward in the form of interest. Difficulties begin at the stage of choosing the most profitable deposit.

Different industry experts sometimes express diametrically opposed opinions about what should be used when determining which financial product will be most appropriate for a person who wants to increase his funds with a bank deposit. Some people believe that the bank’s reliability should be the top priority, while others believe that high interest rates should be the top priority.

Advantages of bank deposits for individuals

Considering this product as a whole, we can note several serious advantages for the average person:

• Clarity and accessibility. Anyone can take advantage of the offer from a financial institution and place their funds on deposit. Everyone knows what it is, they can freely find the information they are interested in about a specific deposit and bank, and calculate their expected income.
• Reliability. In comparison with others investment programs and products, only bank deposits have state guarantees refund of funds if problems arise with one or another commercial bank.
• Guaranteed income. Only bank deposits provide mandatory returns. All other investments are of a different nature; investments in other assets do not guarantee a mandatory profit; they can both become more expensive and cheaper, sometimes causing losses.
• You can invest almost any amount into a bank deposit; some options start from one ruble. In other forms of investment, you need to own serious capital.

Is everything really so good with bank deposits? What troubles can await our money if we put it on deposit? To answer these questions, we need to delve a little deeper into the realities of the economy.

A short educational program: where do interest come from?

To make money, banks themselves invest in various profitable products. This could be the purchase of highly liquid shares, currency operations, lending. Those financial institutions that form their main assets from loan portfolio, are actively attracting funds for deposit. The bank itself makes money on the difference between the interest paid to depositors and what it receives from clients who took out a loan.

Consumer lending is often preferred. Almost anyone can get such a loan without negative consequences. credit history, it is quickly processed and can be issued even without documents confirming the client’s solvency. By the way, you can do it online and for free. The bias towards this segment on the part of banks is understandable; the amounts of such loans are smaller and, accordingly, the risk of non-repayment is lower. To further understand this statement:

1. with a hundred clients - individuals ah, who took 10.0 thousand rubles each, the total amount will be 1 million to be issued, of which only a small part will remain outstanding, which is not critical for the bank;
2. with one hundred legal entity borrowers, the amount can increase significantly, because the needs of business are incomparable with the needs of citizens, and even a 10th part of the non-repayments can already pose a significant risk for the lender.

Besides, consumer loans They are also beneficial to the bank because they are more expensive.

From this we can easily conclude that it is much safer and more profitable for banks to issue loans to the public. But that only makes it worse common problem. A quick analysis without much delving into the intricacies of economic subtleties shows that the build-up consumer lending and the volume of deposits only worsens the situation:

• producers and businesses in general have fewer opportunities to obtain borrowed funds;
• loans for legal entities are becoming more expensive, because banks must pay based on the interest on deposits;
• loans for the population increase consumer power and, accordingly, indirectly contribute to inflationary processes.

It follows from this that the current situation may be fraught with bankruptcies. How is this expected to happen? Here it should be emphasized that this is only a possible development of events, not a forecast. Imagine that we are facing another round of crisis with all the “delights” of increased inflation, a decline in production, increased unemployment and a decrease in the overall level of income of the population. What happens to a huge number consumer loans? Due to the inability to service them, delays and non-payments will begin, which will lead to interruptions in the most banking system. After all, if there is no influx of money from those who took out the loan, then financial institutions will have nowhere to get the funds necessary to pay interest on deposits and return them.

Of course there is state insurance deposits of the population, according to which each depositor is guaranteed to receive his savings ( maximum size– 1.4 million rubles). But there are also some nuances here. From each deposit, the bank that accepted it transfers a certain percentage to the Insurance Fund, which is also supported by the country’s budget. Although, if 2-3 large and systemically important banks really “collapse,” then it is unlikely that there will be enough money in the FSV to return their funds to millions of depositors.

It does not directly follow from this that deposits are an unreliable and unpromising tool for preserving and increasing personal capital.

Advice: If you want to protect your savings as much as possible, then diversify your investments using other investment instruments. And when looking for, do not stop at any one institution, try to cooperate with several. This will reduce the risk of encountering a problem bank and investing all your money in it.

Still, a deposit today is the most accessible and fairly reliable way of investing with a guaranteed income.

What is a bank deposit account for an individual?

The terms bank deposit and bank deposit have a single semantic content - they imply a certain amount of money that is transferred by a citizen to the management of a financial structure in order to generate income as a result of transactions carried out with it. To do this, a special deposit account is opened in the name of the client, a private individual, where his funds “lie”.

Before evaluating by profitability or any other, you should decide on the type of deposit. There are many offers for this type of financial product and it seems that they are completely different. In fact, they are all based on several classic types.

They are divided according to the conditions:

• Term savings. Investments are made for a specific period; you cannot replenish the amount or withdraw part of it. In this format, as a rule, banks offer the highest percentage on products for individuals.
• Urgent replenishable. As can be seen from the name, it is possible to add any amount to the deposit body if desired. This option is convenient for those who want to accumulate a certain amount of money by regularly saving funds, and also receive interest.
• Urgent settlement. In this version, you can perform various transactions with money - both incoming and outgoing. A distinctive feature of this format is that an account of a current type is created for it, not a deposit account. Its advantage in status is that it is not subject to sanctions and restrictions that may be introduced during periods of crisis, for example, a ban on early withdrawal, etc. The rates here are relatively low and can change during the validity period of the deposit; there is a “non-withdrawal” rule required balance.

Deposits are also divided according to the scheme of accrual and payment of interest:

1. at the end of the deposit period one time;
2. monthly with the possibility of withdrawal;
3. monthly with capitalization.

The first option usually offers the highest interest rates, because it is the most profitable for banks. Using the funds throughout the entire period, the institution does not spend a penny on their maintenance. In the second subtype, the rates are slightly lower than in the previous one, but it is indispensable for those people who need a constant source of passive income. The third option should be given special attention. Often products with capitalization are positioned as the most profitable in terms of interest. But it is not always the case. The very concept of capitalization involves the accrual of interest on interest already received on a deposit in previous periods and added to the body of the deposit. The term “compound interest” is fascinating, and one is confident that this approach will yield more as a result. But this is not always the case; in these product formats the rates are usually lower than in the option with payment at the end of the term.

Advice: If you are considering several deposit offers, analyzing or others, looking for the best ones, and if among them there is a version with capitalization, be sure to calculate manually or using another tool the expected result of each of them, and then compare. Perhaps a deposit with interest payment at the end of the term will be more profitable than with capitalization. Then it makes no sense; in all other respects it is identical to the first type. It is not recommended to use online calculators built into official websites; they may not show the whole picture.

IN Lately Deposits with special conditions began to appear:

• With advance payment of interest. The scheme here is such that the bank and the depositor immediately pay interest, doing this at the time of placing the deposit. The rate in this format is significantly lower than in many others, this is understandable. The product may be in demand when there is a need to receive a certain amount of money immediately without spending your own savings.
• With a floating interest rate. Its size may depend on various conditions. There are deposits where the amount of accrued income is determined by the placement period. For example, in the first three months there is only one, in the next quarter its size will be 1-2 points larger, and so on, increasing. Here it is advisable to carefully calculate the result and compare it with classic products, where payments are made at the end of the entire deposit period. There are also deposits with floating rates, which depend on various financial indicators – exchange rates, stock indices and the like. Such products require certain knowledge from the investor so that they can be checked and challenged if necessary set by the bank bet size.

When looking for one for yourself or other regions, do not forget that such a deposit product consists not only of high interest rates. There are a number of criteria that directly affect the result, including intangible ones. Points to pay attention to when choosing a deposit:

• its type and interest calculation scheme;
• reliability and rating of the bank;
• compliance with your specific conditions and objectives;
• level of service and customer focus in the bank.

Deposits of individuals in 2016 and interest on deposits

First, you need to clarify that all interest rates on deposits are set based on several interrelated factors:

• inflation growth/decline;
• increase/decrease in the influx of funds into banks from the population;
• key rate, determined by the Central Bank of the country;
• competition between financial organizations for depositors.

All these factors are common to almost all countries. In 2016, Russia continues to experience an increase, albeit low, but significant, in inflation, as well as devaluation (depreciation) of the ruble. There is also a downward trend in the level of deposit inflows. The Central Bank of the Russian Federation is pursuing a cautious policy in terms of changing the key rate; today it is set at 10.5% per annum and has been reduced for the fifth time since 2014. What does this mean and how does it affect the choice of a profitable deposit and a reliable bank?

Interdependence of the key rate and deposit interest

The rate of the Central Bank of the Russian Federation is the indicator from which any bank starts when developing its deposit product. It is at this percentage that I am ready to take it for storage cash and issues loans central bank Russia to commercial private banks. The Central Bank categorically does not recommend that all market players significantly exceed it when making deposits for the population. In his opinion, + 2% is acceptable here. Anything above that is already considered risky, and increased contributions to the Deposit Insurance Fund have been introduced for these products.

In other words, if any commercial Bank offers its investors a percentage that is 3-3.5-4 or more points higher than the key rate, then you need to be careful here. This is no longer a game entirely according to the recommended rules of the regulator, and such an organization is pursuing a risky policy.

There is also the other side of the coin. All major players financial market With deposit products, they adhere to established regulations, but their interest rates are low. Sometimes their products look quite poor compared to others offered by medium- or small-sized banks, and when calculating the potential income, there is no guarantee that it will cover inflationary losses. Increased for small and medium-sized banks deposit interest– a tool for competition and attracting customers. Therefore, if you are interested in a product with high percentages offered by a financial institution not from the TOP largest, then in order to finally verify its reliability, you can conduct an analysis according to the following criteria:

• financial results of the bank over time;
• period of work on the market;
• size authorized capital and own assets;
• founders and beneficiaries, as well as their position;
• credit and other ratings;
• clean and distressed assets;
• compliance by the bank with the requirements and standards of the Central Bank, as well as its status in present period. Special attention you need to pay attention to the last point. Today the regulator is actively “cleansing the ranks” by revoking licenses. It is absolutely not worth entering into a relationship with a problem bank.

Almost all this information can be found on the website of the Central Bank of Russia in the public domain. At the same time, it is necessary to consider the level of reliability not for an individual bank, but by comparing it in a group where similar deposits are offered.

In addition, other aspects can be taken into account. For example, some bank issues, that is, it is a participant state program, which includes only institutions with a good reputation. This point can also be a plus when determining its level of reliability.

The highest interest rates on deposits

Today, offers often appear - promotional or special products, where banks give and good conditions, and maximum favorable interest rates:

• “Trust” and its “Generous Interest” - 9.9–10.35% in rubles, depending on the term and amount.
• "Dynamics" from SMP - up to 10% per annum;
• “Personal” from Mosoblbank - up to 9.7% in Russian rubles.

The market for deposit products for the population is actively developing, new offers with favorable conditions appear every day. In addition, do not forget about the TOP participants. Deposits for a period of one year are offered by such “whales” as Alfa Bank (“Life Line”, 8.8%), Promsvyazbank (“My Benefit”, 9.5%), “BinBank” (“ Maximum percentage online", 10.65%) and some others.

Foreign currency deposits at high interest rates

Today, more than 200 different currency deposits are active, which we are offered various banks. Rates vary on average from 2.95% per annum to 0.01%. Small financial institutions give the highest. The big ones, for example, “SB” operate at low levels, despite the fact that it is the largest, oldest and carries out various programs. In terms of accessibility, it is at a high level, as is the issuance of consumer loans. But he takes a cautious position on deposits in foreign currency.

The same picture is observed among other serious market players. Although there are exceptions - “Rosselkhozbank” and “Your income (at the end of the term)” guarantee payment of 3.95% per annum when investing an amount of 3.0 thousand US dollars for a three-year period.

This short review I have to tell you that foreign currency deposits You can find it today with favorable conditions. However, it is worth remembering one point that makes them high-risk. In case of bankruptcy, revocation of a license by the regulator, reorganization and other banking problems, the foreign currency deposit will undergo unpleasant metamorphoses. Naturally, it will be paid, because this is guaranteed by the FSV and the state. But there is a big drawback - the calculation will be made in Russian rubles at the exchange rate on the date of the insured event.

Special deposits for pensioners in 2016

Banks have long paid close attention to this category of the population in terms of attracting their savings. They understand that older people, due to their specific nature, know how and want to “save” money. That's why deposit programs and many products have been created for them. As a rule, they differ in the following parameters:

• increased interest rate;
• loyal conditions for partial withdrawal and replenishment;
• a relatively smaller, and sometimes even minimal, contribution.

Sberbank, based on the standard products “Save”, “Replenish” and “Manage”, has created special versions for pensioners, where rates are more favorable than for working and able-bodied clients. In addition, the Pension-plus deposit is intended for them.

Current offers from financial organizations can bring on average from 3.0% to 10.0% per annum.

As a conclusion

A bank deposit today, despite the presence of a certain amount of risk associated with the economic situation as a whole, is still one of the most reliable and accessible tools for increasing equity for individuals. The decision about which product to give preference must be made taking into account how reliable the bank is, as well as based on some other intangible points:

• Location of the bank and its branches. Sometimes the personal presence of the investor is necessary; it is impossible to perform all the required operations using only remote access. If the office is located in another city and it takes a long time to get there, this reduces the comfort of cooperation.
• Services and degree of implementation of innovative technologies. To minimize the effort required to communicate with the bank when working with a deposit, you can use online banking and other tools via the Internet, as well as service your deposit, for example, when replenishing it, through ATMs or terminals.

The most big bets for deposits in Moscow banks from the top 10 are presented on this page. You can compare and choose a deposit with the maximum interest rate 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 on it, and also have quick access to it if necessary.

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

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

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

Deposits with the highest interest rates today

Thinking about where to invest money in 2020 so that it works, many are wondering: which bank has the best bank today? large percentage by deposits. But when opening a deposit account in a bank, you should pay attention not only to the interest rate, but also to the conditions of this deposit, such as minimum amount and deadline.

Deposit calculator

Deposits at maximum interest rates in top 10 banks

"Advantageous approach"
ICD

For those who open an IIS
No replenishment
Without partial withdrawal
Without capitalization
Interest at maturity

"Takeoff"

Replenishment
Partial withdrawal
Without capitalization
Interest monthly

"For life"
UniCredit Bank

Registration of ILI or NSZH
No replenishment
No partial withdrawal
Capitalization monthly
Interest monthly

"Profitable"

No replenishment
No partial withdrawal
Without capitalization
Interest at maturity

"Reliable Promo"
FC Otkritie

No replenishment
No partial withdrawal
Capitalization monthly
Interest monthly

"My income"

Replenishment
No partial withdrawal
Capitalization at the end of the term
Interest at maturity

"150 years of reliability"

No replenishment
No partial withdrawal
Without capitalization
Interest at maturity

"For savings"
Gazprombank

No replenishment
No partial withdrawal
Without capitalization
Interest at maturity

"Time to Grow"
VTB bank

No replenishment
No partial withdrawal
Capitalization monthly
Interest monthly

"Victory+"

No replenishment
No partial withdrawal
Capitalization
Interest monthly

"Save"

No replenishment
No partial withdrawal
Without capitalization
Interest at maturity

Deposits at maximum interest for 1 month

Deposits at maximum interest for 3 months

Deposits at high interest for 6 months

Deposits at high interest for 1 year

If you need to withdraw all the money from the deposit before the end of the term, you can do this at any time. However, interest will most likely not be accrued!

What is the safest amount to open deposits for?

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

In short, if you invest less than 1,400,000 rubles, then you can choose highest interest rate on bank deposits– if the license is revoked, of course, you will have to be nervous, but the money will still come back.

Repayment of funds above the specified amount is not guaranteed, so if you keep more than 1,400,000 rubles in the bank, then you are taking on increased risk.

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

It's no secret that everyone has at least one issued loan: many of us are accustomed to living “on credit.” However, recently financial literacy population is growing: we are starting to look for other options for optimizing and replenishing our budget. Foreign currency deposits in Moscow are becoming increasingly popular. By converting savings into foreign currency, they protect against capital depreciation, and through interest payments, they allow you to generate income.

Interest on multicurrency deposits in Moscow

If you decide to open a foreign currency deposit in Moscow, then do not rush to take your money to the first bank that promises big income due to the highest rates on deposits in foreign currency. In fact, in order to assess the level of profitability of a deposit, you need to study all the nuances of its functioning:

1. You give the bank your savings (a minimum limit is set for each deposit) for a certain period (there are options for permanent deposits, which can be closed at any time).
2. During this period, the bank is not only guaranteed to keep your savings in a specified currency, but also actively uses them as part of its capital.
3. As soon as you want to withdraw money, the bank takes it out of its circulation and gives it to you with interest in the deposit currency.

As a result, foreign currency deposits in Moscow banks should be considered as a set of conditions such as amount, term and interest, which can be obtained precisely because the bank has the opportunity to use the amount on deposit within certain period. Therefore, the more comfortable the conditions of your multicurrency deposit in Moscow or a deposit in one foreign currency for a bank, the higher interest on deposits in foreign currency you can get.

Accordingly, high interest rates foreign currency deposits in Moscow imply some restrictions for the client:

• since the bank has already planned that it will use your money for a certain period, it establishes a ban on closing the deposit before this period;
• if suddenly the deposit is open-ended, then the bank still sets a period during which it must be notified about the closure so that it can get it painlessly the required amount out of circulation;
• During the term of the agreement, you cannot withdraw part of the money placed on the deposit.

For compliance with these conditions, the bank pays the highest interest rates, but for violation it can reduce the initial rate to the minimum possible. Therefore, carefully evaluate your financial opportunities before opening a deposit.

Which bank in Moscow is better to open a deposit in foreign currency?

To open a multi-currency deposit or a deposit in one foreign currency, you will have to spend some time searching and collecting all the necessary information on the options presented on the market (Sberbank, VTB, and almost all Moscow banks work with deposits in foreign currency).

To find and choose your most profitable option deposits of individuals in foreign currency in Moscow as quickly as possible and without extra effort, use special online deposit calculators for foreign currency deposits in Moscow. Based on your individual requirements, which you enter in the appropriate form, the system will select and display a complete list of suitable deposit options for 2020.

As a result, in one place for each current deposit option you will receive the following information:

• validity period of the deposit;
• interest rate (per year);
• final income (per specified period: usually a year).

You can quickly make the right and informed choice, and then immediately submit an online application for a deposit in foreign currency and proceed to registration.

“Bank of Moscow” offers several profitable deposits for individuals for 2016, interest up to 10.58% per annum.

Excellent programs: with capitalization, with monthly interest withdrawal, with an increase in the rate in subsequent periods, for pensioners and salary clients and etc.

The maximum interest on all bank deposits (10.58% per annum) can be obtained by investing 1.5 million rubles for one year (taking into account capitalization, the “Maximum Income” program).

You also need to know that when opening a deposit through an Internet bank or ATM, a bonus is added to the rate in the form of 0.3% per annum in rubles, and + 0.1% per annum in dollars and euros.

All deposit programs of the Bank of Moscow (law on the “deposit insurance system”).

1. Contribution “Correct answer”– increase in rate by period of term

This deposit can be opened through Internet banking or a bank office.

The minimum opening amount is 100 thousand rubles (a deposit cannot be opened in another currency), the period is 380 days.

As you will see in the table, the rate grows according to the time period (there are four of them), and is equal to from 8.0 to 12.0% per annum (the average for the entire period is 9.75%).

The rate increases during the capitalization process - every 95 days. Interest will be paid to you at the end of the deposit term.

Replenishing and partially withdrawing the deposit is not allowed.

2. Deposit “Maximum income”– maximum annual rate

In this program you can find the maximum rate on all bank deposits, although the deposit amount to receive it is very substantial.

Very low minimum opening amount – 1 thousand rubles, 100 euro-dollar.

The product comes with capitalization (interest is paid at the end of the term) and without it (monthly withdrawal to the card account).

The deposit period is at the client’s choice – from 91 to 1095 days.

At early withdrawal– in the period from 180 days – paid at a rate equal to 60% of the fixed one (see table below).

I give a table with rates when opening through an Internet bank or an ATM; if you open through an office, subtract 0.3% per annum from the desired value.

Note: in bold in the table, the rates for capitalization are indicated...

3. Deposit “Current pension”– we get income even in 1 day

Truth be told, the interest in this program is quite meager - 4% per annum (but at least this is better than keeping it “in a stocking”).

Minimum limit There is no opening or replenishment; interest is paid quarterly.

To open a deposit, you will need to go to the bank office with your Passport and sign an agreement (after studying it first).

4. “Maximum growth” deposit– excellent rate and a sea of ​​bonuses

And the last product, which we would recommend to investors, has the following advantages: a decent “net” rate - up to 9.71% per annum, small amount opening – 1 thousand rubles, possibility of withdrawal up to the “minimum balance” (allowed once, after 180 days), preferential terms early termination(60% of the rate is maintained), the deposit can be replenished, capitalization and monthly withdrawal.

The program also “carries” improved conditions for its salary clients and pensioners.

The deposit can be opened in rubles, dollars (maximum rate - 2.13% per annum), euros (maximum rate - 1.31% per annum).

The deposit period is from 91 to 1095 days, at the request of the depositor client.

Bold font in the table indicates rates with capitalization. These percentages apply when opening a deposit through ATMs or online banking; if you open a deposit through an office, subtract 0.3% per annum from the rate parameter.

During economic crisis, which began in 2015, many Russians are interested in how to preserve their savings. Individual deposits remain one of the most accessible and popular ways to invest funds. However, today depositors are not chasing high interest rates, but are primarily interested in the reliability of the credit institution. Therefore, in the article we will tell you what the size of the rates depends on, find out whether it is possible to find deposits with high yields in reliable banks and analyze the conditions for deposits credit institutions from TOP-10, TOP-30 and TOP-50.

Note!

The main factor that influences interest rates bank deposits, is the inflation rate and the stability of the national currency

Where do the rates come from?

The formation of rates is influenced by several main factors:

· Economic situation in the country. Financial system depends on the state of the economy - the level of inflation, the availability of resources from banks and external loans from the state are taken into account. If funds are needed to repay loans, banks begin to attract money from individuals, so the liquidity shortage factor significantly affects the deposit policy of a credit institution.

· Refinancing rate. The higher the Central Bank raises the refinancing percentage, the higher. At the same time, with an increase in refinancing, interest rates on loans also rise, and this negatively affects the situation in the economy.

· Size limitation. The Central Bank sets a basic level of return on deposits and if it exceeds 2%, the bank pays increased contributions to the deposit insurance fund. In January 2016, the baseline was at 11.268%. Thus, if the deposit rate exceeds 13.268%, then the bank pays an increased fee.

· Demand for loans. High level lending encourages higher loan rates, and if banks make high profits, they can pay high interest rates.

· The largest banks are usually in no hurry to increase conditions, because they do not need to attract additional funds.

· Features of the deposit program. The term of the deposit, the amount, the interest payment scheme and the possibility of replenishing or withdrawing part of the funds from the account affect the amount of interest. Typically the maximum income accrues on long term and a high deposit amount with interest payments at the end of the term. However now deposit policy the bank depends on internal goals, so it is difficult to make a forecast.

· Rates on deposits in rubles are higher than in foreign currency, but the currency is less susceptible to devaluation, and almost all income on ruble deposits is eaten up by inflation.

· Social programs. Taking into account the heterogeneity of society's income, banks offer differentiation of deposit programs, which differ in the size of the down payment, interest calculation scheme, terms and profitability.

· Seasonal offers. Such deposits are usually timed to coincide with holidays or, on the contrary, are designed to stimulate demand during the period of seasonal decline in interest in banking products.

Below we will look at the programs of several banks occupying different positions in the reliability rating and analyze their level of profitability.

What conditions do the TOP 10 organizations offer?

The main advantage is the low down payment amount (from 1000 rubles, 100 US dollars and euros), and the opportunity to receive regular income. Interest is calculated monthly, after which it can be added to the principal amount or withdrawn from the account.

Among the bank's deposits, basic programs stand out: - with maximum profitability, and - with the ability to replenish and withdraw part of the funds. There is also a charitable contribution “Gift of Life”, and - in British pounds sterling, Japanese yen And Swiss francs. Pensioners can purchase any product at the most favorable conditions regardless of the amount of the down payment.

: “Prospective” - for receiving high income, “Accumulative”, “Dynamic” - with replenishment and withdrawal of part of funds, as well as “Rentier” - with monthly payment percent and the lowest yield. The bank also operates special programs for pensioners (“Pensionny”), pensioners who receive pensions through the NPF “Gazfond” and clients who want to have additional income from investments in mutual funds – “ Investment income" The profitability of Gazprombank deposits is significantly higher than that of Sberbank; the amount of the first payment is available to almost all depositors, but interest is accrued at the end of each year of storage and at the end of the term.

With high profitability – “Victory”, with monthly payment of income – “Premium”, with preferential terms early termination for wealthy clients – “A+”, charity program – “Life Line” and deposits with the possibility of withdrawal and replenishment – ​​“Potential” and “Premier”, as well as a multi-currency deposit. The placement amount is available to all depositors, but interest can only be withdrawn on the “Premium” and “Potential” deposits (with the possibility of replenishing and withdrawing part of the funds).

The profitability in Alfa Bank on the Pobeda deposit is clearly higher than in Gazprombank, but the Premier deposit, with a high foreign exchange interest rate, is inferior to Gazprombank in rubles. But in terms of deposits with the ability to withdraw and replenish, Gazprombank wins in all respects.

What do organizations from the TOP-30 offer?

There is an account for pensioners, a multi-currency deposit and basic programs for receiving high income and free financial management. Maximum bet accrued under the “My Benefit” program without the possibility of replenishment and withdrawal. The “My Piggy Bank” deposit is suitable for those who want to top up their account and receive regular income, and the “My Opportunities” program is designed for comfortable management of savings. The amount of the first payment in Promsvyazbank is quite high, but the return on deposits is higher than in Gazprombank and Alfa-Bank; only in the category of deposits with the possibility of withdrawing funds in rubles does Gazprombank win.

Not only classic products are presented, but also pension, charity and multi-currency deposits, as well as a program for VIP clients and a deposit for parents. The down payment amount is quite small, but interest is accrued at the end of the term, and monthly capitalization or payment is provided only for special deposits(“Pension”, “Do Good”, “Person”). As for profitability, Bars is inferior to Promsvyazbank in all programs, but if you compare it with Gazprombank and Alfa-Bank, you need to analyze the rates for each product separately.

Uralsib Bank offers a large selection of deposits with high returns. Among the bank’s programs, in addition to programs with replenishment and withdrawal of funds, there is a charitable deposit, “Deposit + Mutual Fund”, pension and multicurrency deposits. The profitability of programs in rubles is slightly lower than in Promsvyazbank, but in foreign currency Uralsib does not offer much good interest compared to competitors.

What interest rates are charged in banks from the TOP-50

“Investment in the future” for clients who have taken out a savings or investment insurance life, "Maximum percentage", " Monthly income"with replenishment and "Magnificent Seven" with the possibility of withdrawal and daily capitalization percent. The profitability of MDM Bank's products is slightly lower than in Promsvyazbank, and on deposits with withdrawals and replenishments is even higher (but lower than in Gazprombank), however, in foreign currency, Promsvyazbank is inferior to MDM Bank.

Home Credit Bank offers 3 basic products in rubles and one in foreign currency. The amount of the first installment is only 1000 rubles, interest is accrued monthly, you are allowed to replenish the account, but withdrawals are not provided. Deposits differ only in the term and size of the rate, which is calculated regardless of the amount. In dollars and euros, the “Income Year” deposit is issued in an amount of $100 or more, interest can be withdrawn monthly or added to the principal amount, but the yield is lower than in MDM Bank or Promsvyazbank.

At OTP Bank you can choose a program for every taste with high rates or flexible terms. The amount of the first installment on OTP Bank deposits must be at least 30,000 rubles. Only two deposits are made in foreign currency, but their profitability is lower than that of competitors. In rubles, the rates are good, at the level of the rating leaders.

How to choose the right deposit

Most of the banks presented show high returns on deposits in rubles. Sberbank is inferior to its competitors in terms of the rate, but wins due to its reliability and flexibility of conditions. In other banks, it is necessary to compare the conditions for each program separately, taking into account the amount and term of placement, as well as additional options (possibility of withdrawal, replenishment, capitalization), because each of the opponents offers favorable interest rates under certain parameters. For best comparison It is advisable to use a deposit calculator, which is available on almost all banking portals.

Interestingly, the earliest profitable programs in rubles were characterized by high profitability in foreign currency, but now opposite trends are observed. Many banks operate high stakes in rubles, but low in foreign currency or vice versa, so you should carefully study the conditions before choosing a program. For example, on this moment favorable interest rates in foreign currency are offered by MDM Bank, Promsvyazbank, Home Credit and Alfa-Bank.