Average rate on deposits of individuals in the Central Bank. Average rates of bank interest on deposits of individuals

Content

Keep your money in the Savings Bank, if you have it! A quote from Gaidai's comedy is still relevant now. Interest rates on deposits in banks are high today so that people can profitably place money on a deposit without worrying about inflation. Buy property now is not too much profitable investment, foreign currency periodically becomes cheaper in relation to the ruble, and keeping bills at home is dangerous. It is reasonable to contact the bank and try to place the accumulated funds there.

Individual deposit rates

The latest polls show that more than half of Russians believe that it is better to keep money in a bank, in a deposit or savings account. The index of trust in financial institutions is gradually increasing, people from experience previous years prefer to save the surplus. Each bank offers its own solution, however, there is a concept of the average bank interest rate, which is set by the Central Bank:

• The central bank analyzes the actions of all financial institutions, not only to identify violations that lead to fines or revocation of licenses. Other indicators are also monitored.
• Average interest rates on deposits in 2019 are 10.82%: this is 0.3% higher than in the last 2016.
• The state makes sure that institutions do not exceed this value by more than 2 points - this threatens them with fines, additional audits and an increase in insurance premiums. According to this principle, the state controls the banking market, preventing credit institutions risking clients' money.

Pension deposit interest

Everyone is happy with pensioners as clients. This is the most reasonable and disciplined category of citizens. Almost all of the largest Russian banks offer attractive interest rates on pension deposits with a replenishment function, which is a kind of analogue of a savings account, but with a much higher interest rate. Pensioners are encouraged to use different types deposits with a minimum initial amount.

Sberbank makes pensioners happy favorable conditions- interest does not depend on the size of the deposit, there is the possibility of replenishment online. "Pension Plus" - a replenishment deposit for 3 years, 3.5% per annum, "Save" - ​​a non-replenishment, the rate of 5.6% (when opening an online account - up to 6.13%), "Top up" - 5.12% ( online - 5.63%). There is "Pension" - 8.3% per year from MDM Bank, Home Credit Bank offers "Pension" - 7.75%.

Interest on ruble deposits

The main share bank deposits make up ruble investments. When choosing where to invest money, you should not look for high interest rates in banks on ruble deposits, which are offered by managers of small organizations. Large financial institutions offer a profit in the region of 8-10%:

• Sberbank is positioned as reliable and does not offer annual interest rates of more than 8.1, but minimum amount starts from 1000 rubles.
• VTB24 offers to open a deposit with a margin of up to 11% per annum, but without the function of withdrawing or replenishing.
• Alfa Bank also keeps the bar in the region of 9-10% on three-year accounts.

Foreign currency deposit rates

Although the euro is considered a more reliable currency, the situation with foreign exchange investments is not too different from the trends for ruble deposits. Interest rates on foreign currency deposits in banks fluctuate from 1.5 to 3.5% per annum, and again, the promoted players are in no hurry to make high interest rates on multicurrency accounts. If you want to earn extra money - take advantage of offers from small regional financial institutions, but along with the growth of interest, the risk that their license will be revoked also increases.

Interest rates on deposits in Moscow banks

The bank must not only offer profit, but also be stable. Interest rates on deposits of Moscow banks are constantly analyzed and the results are used to compile a rating of TOP-10 lucrative offers. They take into account the rating credit agreements, profitability and net assets, which gives an idea of ​​their level of reliability. Do not forget that deposit rates in Moscow depend on the term and its size.

The most best programs for Moscow banks:

• “With the maximum rate” - 8%, Uralsib;
• Vlad to the Future - 10%, BinBank;
• Partner - 8%, Nevsky Bank;
• « Maximum income»- up to 8.4% of Sovcombank;
• "All inclusive Maximum income" - 8.5% from the institution Moscow Credit Bank;
• "Financial Protection", in euros, 3.5% - Promsvyazbank;
• For Life, in euros, 3% - UniCredit Bank;
• “Tradition of Success”, in euros, 2.5% - Promsvyazbank.

High rates on deposits

Interest rates on bank deposits today are very different. What does it depend on? Experts identify several reasons that can determine high interest rates on bank deposits:

• the intensity of issuing loans, which constitute the main profit of institutions;
• high competition - an increase in the number of institutions in the country leads to an increase in the interest rate;
• deposits with compound interest initially offer less profit than with a simple rate.

Major players in financial market do not stimulate profitability, preferring to attract customers with a reliable reputation. Sberbank of Russia, VTB24, Gazprombank, AlfaBank, Raiffeisenbank - their percentage is rarely higher than 8.5-9%. People understand that inflated income parameters are more alarming than attractive. If you want to win on interest, look for an institution with a deposit insurance system. In the event of revocation of the license or bankruptcy, the state undertakes to return to customers amounts up to 1,400,000 rubles.

Interest rates of reliable banks

Which bank is considered reliable? About sharks banking business everyone knows: they are already well known. Is it possible to find high interest rates in reliable Russian banks outside the Big Three - Sberbank, VTB24, Gazprombank? The reliability of banks must be compared and analyzed constantly, taking into account:

• analysis of the work of a credit institution by the Central Bank, taking into account the value of its equity capital;
• customer reviews of the institution's work;
• verification of organizations by special agencies.

An approximate list of deposits with good interest from recognized reliable banks this year looks like this:

• Magnus - 8% per annum from J&T Bank;
• "Solid interest" - 8% from 3 months. Promsvyazbank;
• "PRIME" - 8.13% - 3 months-a year from UniCreditBank;
• "150 years of reliability" - 8.2% for 3 months. from Rosbank;
• "Perspective" - ​​up to 8.1% with terms from six months to 3 years from Gazprombank.

Banks of Russia - interest rates on deposits

As the analysis of deposits shows, the most favorable interest rates on deposits in Russian banks are for non-refillable deposits for a period of six months or more. The offers of small banks that are actively trying to attract new customers may turn out to be interesting:

• "Solid" - 10.5% for 550 days from GazTransBank;
• “Maximum” - 10.5% from 9 to 36 months, Dolinsk bank;
• “Fidelity to the Premium Traditions” - 10.25% (amount from 2,000,000 rubles for 1 year from Alef-Bank;
• "By Europlan" - 10% per year from BinBank Capital;
• "Safe" - 10% per year from the bank "Interaction".

Interest rates on deposits in Sberbank for today

Average seldom exceed 8%, which is compensated by reliability, wide distribution in the Russian Federation and quality of service.

• "Memory of generations" - minimum deposit is 10,000 rubles. the size of the rate is 6.4-7%, and part of the profit is transferred to the Fund for Assistance to War Veterans.
• "Save Online" - can be done in any currency. A small minimum amount - only 1000 rubles. - makes it accessible to any segment of the population. The maximum percentage of income is 6.13 in rubles and 1.06 in dollars.

More popular offers:

• "Drive!" - rechargeable, it is possible to issue it online. The percentages range from 3 to 5.85.
• "Give Life" - part of the income is donated to the Foundation of the same name. Term - 1 year, rate - 5.3%, no replenishment.
• "Savings" - an ordinary account with a minimum interest of 2.3 per annum. There are deposits and early withdrawals.
• « Savings certificate"- a profitable offer with an income of 8.45% per annum. Feature - not subject to the deposit insurance system.

VTB Bank 24

This bank has a share of government money, so its reliability is fully justified. The interest on the deposit today VTB 24 Bank offers low, which is compensated by favorable conditions:

• "Profitable - Telebank" with a monthly payment of profit - 7.4% (online 7.55%) per annum from 1.5 million rubles. for 3 months;
• "Accumulative" - ​​from 200,000 rubles. for 3 months and more, interest - up to 6.95, there is income capitalization;
• "Comfortable" - 5.35% (when ordering on the website 5.5%) - a period of six months, the minimum amount - from 200,000 rubles, there is an opportunity partial withdrawal.

Russian Agricultural Bank

Rosselkhozbank positions itself as “ National Bank" With advantageous offers for all segments of the population. Interest on deposits individuals Rosselkhozbank ranges from 6 to 9%, depending on the duration and size:

• "Investment" - from 50,000 rubles, 8.75%, payment of profit - at the end of the term (six months, a year);
• "Golden Premium" - up to 8.1% for a period of 3 months. up to 3 years, the minimum amount is RUB 15,000,000;
• "Classic" - profit 7.95% per annum, interest payment - at your choice, the minimum amount - 3000 rubles.

Deposit in Alfa-Bank

The interest rate of the deposit in Alfa-Bank is comparable to that of competitors, but the popularity of the financial institution is great. Now clients are offered:

• "Life Line +" - a deposit for a year with compound interest (up to 7.1) and a minimum amount of 50,000 rubles;
• "Pobeda +" - a six-month deposit, up to 7.3% and a deposit amount of 50,000 rubles or more;
• "Potential +" - with a high minimum amount of 5,000,000 and a profit of 6.4%, term - 245 days;
• "Premier +" - for six months, 6.8% with an amount of 5 million rubles or more (payment of profit - upon completion of the contract).

Post bank

Pochta Bank appeared on the Russian financial market quite recently, and until 2016 it was called Leto-Bank and was subsidiary a major credit player VTB24. Last year, all branches of "Leto-Bank" were closed, and customers were surprised to find that they were being served in "Pochta-Bank". An aggressive advertising campaign with the involvement of famous actors is doing its job, the bank constantly calls on to use its services to invest the accumulated funds.

It is proposed to choose the following rates for deposits in the Post Bank, and all deposits are subject to insurance:

• "Seasonal" - for a year with an amount of placement from 50,000 rubles. The rate is 8.25% with payment of profits at the end of the term, pensioners receive 8.5% per annum.
• "Capital" - for six months or a year up to 8.25% plus a card as a gift.
• "Accumulative" - ​​a replenishment deposit of up to 7.5% and a minimum amount of 5,000 rubles. possible early closing and capitalization of interest once a quarter.
• "Profitable" - an annual deposit with 7.75% per annum and an amount of 500,000 rubles or more, a card or personal account is a gift.

Rating of banks by interest rate on deposits

The best interest rates on deposits this year are guaranteed by small credit institutions that need to attract the maximum number of new customers. It should be noted that high interest rates on deposits in banks today are leaders among credit institutions do not offer, but decide which option is more important - profit or reliability - only to the client. Almost all banks operating on the territory of the Russian Federation, who value their reputation, participate in the deposit insurance system (now maximum amount to be returned is 1 million 400 thousand rubles.

Specify the features of the proposals in the table:

The average bank interest rates on deposits of individuals of the Central Bank of the Russian Federation 2017 are irreplaceable indicators that help citizens who are debtors to the bank to accurately calculate their loss and calculate it as a percentage. The above standard is applied to find a profitable banking product offered by banks for individuals. The index was introduced in 2015, its value for deposits of individuals in a particular district is determined by the Central Bank of the Russian Federation.

This article describes the value of the average rate of the Central Bank of the Russian Federation, the relevance of this index to banking market Russia, previously unremarked news related to this indicator and other interesting details.

Central Bank average rate of bank interest on deposits of individuals 2017

A deposit is a widely used and uncomplicated way to increase your Money, when accepted from bank continuation. Among the abundance of banks, in order for the deposit agreement to be profitable, the depositor determines the correctness of his actions and the benefits of cooperation with the bank for bank deposit... The economy employs many standards required to calculate the effectiveness of the contribution. For Russian citizens, a parameter of the average rate is proposed, detailed for all federal districts. Entering the public banking portal, the user is offered TOP leaders - banks with the most profitable deposit offers.

The indexation of the rate for different federal districts can be heterogeneous. Example dated last year: Central (CFD), Southern (Southern Federal District), Uralsky (UFD), Crimean (KFD), Privolzhsky (Volga Federal District), Siberian (Siberian Federal District) indexation of the indicator, expressed in rubles, varied from 7 to 8 percent... Moscow is the highest level of the indicator.

A number of factors make the ruble invested in a deposit more profitable in comparison, for example, with the euro. Foreign currency investments in deposits are below the ruble level. However, there is a group of depositors who prefer to lower the interest rate, convinced of the stability of profit from a deposit denominated in foreign currency.

Leaders of profitable bank proposal there are banks that did not manage to stabilize their position, increase their money supply by attracting funds, thanks to deposits from individuals. The previously described banks underestimate the established standard from the Central Bank of the Russian Federation. Newly opened banks need cash in circulation, but high level percent may entail a risk of instability, in this example the depositor runs the risk of being left without investments, therefore it is important to monitor the public website of the Central Bank before making a decision.

Average rates of bank interest on deposits of individuals with the Central Bank of the Russian Federation - latest news

Due to the determination of the coefficient for a period - a month, the percentages were projected taking into account a set of data, specifically for a separate period. The Bank of Russia published indications of the volume of the average rate for individuals, valid for each federal district. The publication was controlled by Art. 395 of the Civil Code of the Russian Federation.

But according to information from the Central Bank of Russia (Central Bank of the Russian Federation), dated 07/29/2016, a verdict was issued to stop the release of data regarding the index. The above action is associated with a change in the method of finding the untimely bank payment for individuals (the above bill has been modified). In plans, application key rate, instead of the rate used to determine the lucrative bank offer, or, as it is called, average rate on deposits - a new parameter calculates annual percentage surplus (benefits on deposits) or deficits (losses on deposits due to late payments for individuals). Exceptionally private data bank agreement, described by No. 315 FZ RF. The key rate parameter proved to be more effective than the previously used coefficient.

Average rates of bank interest on deposits of individuals in Russia today.

On the site Arbitration court In the Republic of Buryatia, the section "Useful links" contains information on the average rates of bank interest on deposits of individuals in rubles for the purpose of applying Article 395 of the Civil Code of the Russian Federation (by federal districts).

You can go to the page with this information by following the link on the main page of the site in the right side menu section "Useful links".

"Federal Law of March 8, 2015 No. 42-FZ" On Amendments to Part One Civil Code Russian Federation"(Hereinafter referred to as the Law), which entered into force on June 1, 2015, the wording of Article 395 of the Civil Code of the Russian Federation has been changed.

So, according to paragraph 1 of Article 395 of the Civil Code of the Russian Federation in new edition the amount of interest is determined by the existing in the place of residence of the creditor or, if the creditor is entity, in the place of its location, published by the Bank of Russia and taking place in the corresponding periods of the average rates of bank interest on deposits of individuals. These rules apply unless a different interest rate is established by law or agreement.

In this regard, many participants in the process have a question: how is the amount of interest for the use of other people's funds determined in accordance with Article 395 of the Civil Code of the Russian Federation as amended Federal law dated March 8, 2015 No. 42-FZ "On Amendments to Part One of the Civil Code of the Russian Federation"?

The Arbitration Court of the Republic of Buryatia offers for review, developed by the Economic Collegium of the Supreme Court of the Russian Federation, recommendations for determining the amount of interest under Article 395 of the Civil Code of the Russian Federation.

By general rule the calculation of interest in accordance with the new edition of Article 395 of the Civil Code of the Russian Federation is made on the basis of information on deposits of individuals published by the Bank of Russia on its official website on the Internet.

In the new edition of Article 395 of the Civil Code of the Russian Federation, it is established that the amount of interest is determined by the rates that took place in the corresponding periods of time, and not on the day the claim was filed or on the day the decision was made, as was established in the previous edition of this provision. Therefore, for each period of delay, the calculation is carried out based on the average rate (rates) of the bank interest in this period, and if the rate for the relevant period is not published - based on the latest published rates.

Interest is calculated at the rate prevailing in federal district, in which the place of residence (location) of the creditor is located. If the creditor is a person whose place of residence (location) is outside the Russian Federation, the calculation is carried out at the rate prevailing in the federal district at the location of the court considering the dispute.

Within the meaning of clause 3 of Article 395 of the Civil Code of the Russian Federation, interest on the use of other people's funds shall be charged inclusively up to the date of payment of the amount of these funds to the creditor, if by law, otherwise legal acts or the contract does not establish a shorter period for calculating interest.

Information with information on the average rates of bank interest on deposits of individuals in rubles for the purpose of applying Article 395 of the Civil Code of the Russian Federation (by federal district) is posted on the official website Of the Central Bank Russian Federation at: http: //www.cbr.ru/statistics/?Prtid=int_rat&ch=PAR_222#CheckedItem

Information on the average rates of bank interest on deposits of individuals in rubles for the purposes of applying Art. 395 of the Civil Code of the Russian Federation (by federal districts)

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 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.

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What it is

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

• profit;
• making a 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 appearance of a threat of depreciation of monetary investments.

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

It is extremely important for the entire economy of the country to be able to correctly calculate the average size the depositor's profitability. These indicators are the main ones in the formation loan portfolio financial organizations, 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.

From June 1, 2015, for each federal district, the Central Bank established an individual average rate and the timing of its application. By offering one or another deposit product, the bank forms a specific range of interest rates at which it is ready to provide deposit services and receive additional profit.

Several factors affect the receipt of the average and permissible value of the interest on the deposit:

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

It should be borne in mind 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 investment. It is important to carefully read the terms of the agreement, where the procedure for calculating the accrual of profit will be indicated and it is better if it is possible with capitalization.

How the average rate of bank interest 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 was derived, which is observed annually. So, during 2015-2016, the size of interest rates ranges from 9-10%. However, according to 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 inflation rate decreases, the size of interest rates on short-term and then long-term deposits will decline.

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 regularly publishes data on average bank interest rates on individual deposits for each federal district.

The situation in the country is changing, and the entire economic situation is changing. It is most profitable to open a deposit with the ability to make monthly deposits with interest capitalization. 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.

The 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 the Central federal district, then the following dynamics is observed.

Depending on certain factors and economic indicators every month there is a rise or fall of a few hundredths of a percent.

To use specific formula, it is necessary to 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 growing demand of the population for loans;
• the level of competition among banks;
• the more banks there are in the country, the lower the average level of interest rates on deposits;
• method of calculating interest (simple or complex);
• the economic situation, the level of inflation and liquidity in the country;
• the profitability of operations and the amount of expenses of financial institutions;
• the bank's rating on the frequency of payments of interest on loans.

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

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

Most popular bank offers

For all the programs presented, the 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 attract funds from individuals.

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

• reject proposals from financial organizations offering 3.5% more interest rates from the average;
• The Central Bank independently determines the level of profitability of this or that bank, and if interest rates exceed at least two points, then it will have to pay payments to the Deposit Insurance Agency several times higher than the previous ones.

Making forecasts for the coming years, analysts collect data on the interest rates of dozens of banks that attract the largest number of deposits from individuals. The calculation is carried out three times a month every 10 days. Also, the regulator ordered all banks not to exceed the level maximum rate for 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.

The most big stakes for deposits in Moscow banks from the top 10 are presented on this page. You can compare and choose a deposit at the maximum interest rate for today, in 2020.

A bank deposit for individuals today is one of the most affordable 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 of the deposits, which are issued at maximum interest rates, have general features... They cannot be replenished, and partial withdrawals without loss of interest are also prohibited. The only exceptions are short-term deposits for a period of 1-3 months. But they, in general, are not term deposits, and 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 in Russian banks from the top 10 today, 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 for today

Thinking where to invest money in 2020 so that it works, many wonder: which bank is the most large percentage on deposits. But when opening a deposit account with a bank, you should pay attention not only to the interest, but also to the conditions of this deposit, such as the minimum amount and term.

Deposit calculator

Deposits at maximum interest in top-10 banks

"Profitable approach"
ICD

For those who open IIS
No replenishment
Without partial removal
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 NSJ
No replenishment
Without partial removal
Capitalization monthly
Interest monthly

"Profitable"

No replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"Reliable Promo"
FC Otkritie

No 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"

No replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"For saving"
Gazprombank

No replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"Growth time"
VTB Bank

No replenishment
Without partial removal
Capitalization monthly
Interest monthly

"Victory +"

No replenishment
Without partial removal
Capitalization
Interest monthly

"Save"

No replenishment
Without partial removal
Without capitalization
Interest at the end of the term

Deposits at a maximum interest rate for 1 month

Deposits at a maximum interest rate 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 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 is revoked from such a bank, the Deposit Insurance Agency through agent banks fulfills its obligations to its depositors within the established limit. This is the meaning of guaranteeing 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 interest on bank deposits- if the license is revoked, of course, you have to get nervous, but the money will still be returned.

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

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