Investments are the most profitable. Name of credit institution

If you suddenly miss own funds for some purchase, or you can find a better use for your savings, then modern Banking services they will definitely help you. AND we are talking not only about loans. Thus, deposits in Moscow banks with a high interest rate allow you to keep your initial capital guaranteed, as well as receive additional income in the form of bank interest.

Despite significant differences between deposits, they are all united by some basic conditions:

• deposit amount: the amount of funds that you give to the bank;
• deposit term: the period during which the bank will keep your savings;
• interest directly determines the amount of income paid to you.

However, most bank customers, when looking for their deposit in Moscow banks at a high interest rate, pay attention only to the last point, ignoring all the others.

Of course, deposit rates primarily determine how much income you will receive in excess of the initial amount. But still, all deposit programs have a huge number of nuances, without taking into account which you will not be able to find the really most advantageous offer.

So, considering the high interest rate on deposits in rubles in Moscow, the following deposit parameters should be taken into account, which are also associated with interest (in addition to the interest rate itself):

• interest accrual system: accrual period, availability of capitalization, etc.;
• payment system: daily, monthly, only at the end of the term, in cash, on a card, etc.

In addition, for deposits for individuals with the most high stakes on deposits of Moscow in 2020, banks, as a rule, set certain restrictions on operations with savings placed on deposit:

• a ban on closing the deposit ahead of schedule;
• prohibition on partial withdrawal of funds;
• restrictions on replenishment of the deposit.

Thus, the most high interest on deposits in banks are always associated with a large number of additional conditions, without which you will not be able to open a truly profitable and profitable deposit in Moscow.

Where is the highest percentage of deposits in Moscow?

To find a deposit at high interest, you need to find and study a huge amount of information.

To do this quickly and easily, a special deposit calculator of the highest interest on profitable deposits in Moscow will help you, which you will find on this page:

1. Enter your deposit program requirements.
2. Click on the search button.
3. The system will instantly show you a complete list of suitable options with a description of all conditions.

After that, you will be able to carefully choose your bank and program, and open a deposit at a high interest rate.

Those wishing to open deposits at the maximum percentage should know that Russian banks do best deals(in rubles, currency) in the fall on the eve of the New Year and in the spring on the eve of March 8, Victory Day. This is how they act financial institutions included in the top group and all the rest. But you don’t need to wait for a special holiday offer, since you can always open a profitable deposit.

The maximum percentage on deposits in rubles in Moscow banks today

Today, the top 50 deposits in Moscow banks at the maximum percentage for 2017 open offers from little-known financial institutions. For instance:

1. Ural Bank Reconstruction and Development offers to open deposits at a considerable 9.5% in rubles. Each client of the institution will receive the specified income if he entrusts his money to the financiers for a year. The deposit is called "Classic". At the maximum percentage, deposits are opened here if the amount is significant, but even the owner of 10 thousand “wooden” ones will receive a good income in the form of 9% per annum.
2. Bank Zarechye allows you to open deposits at 10.6% in rubles, if only one condition is met: the period for which the money will be invested must be no less.
3. Bank Solidarity will allow investors to earn 10% in rubles if clients entrust them with money for 6 months - 1 year. Under the maximum percentage in this institution they take even small amounts.

All of these banks are not included in the top group of domestic financial institutions, but long-term work on the market and the rating indicate that they are quite reliable. If a person wants to invest not just at the maximum percentage, but also entrust them to the best financiers in the country, then he should contact the Bank of Moscow. Until the end of January 2017, they open deposits at 10% in rubles, that is, at the maximum percentage among the top institutions.

Deposits in Moscow banks for pensioners at the maximum percentage

All banks offer special conditions to each pensioner, but most profitable investment such an individual can do in bank Solidarity, where at 9% in rubles a person will be able to invest from 3 thousand rubles. Moreover, he will be allowed to perform various income and expenditure operations. What makes these deposits not only profitable, but also convenient. Among the top institutions in the country, the Bank of Moscow offers pensioners the most. They offer up to 10% in rubles (until the end of January 2017). This is the most for today profitable offer for pensioners.

Term deposits in Moscow banks at the maximum interest

Now at the maximum percentage you can open deposits in Baltinvestbank, they are ready to provide up to 11% in rubles. There is a drawback: the invested amounts should be large (from 1.4 million rubles), in addition, during the first few months the rate will be lower. But a person who opened a physical account for only 10 thousand rubles. can count on a considerable 10.2%. Among the top institutions term deposits at the maximum percentage are accepted at the Bank of Moscow. Maximum term, for which these banks will accept funds - 3 years.

Deposit with capitalization at the maximum percentage

Deposits at the maximum percentage with capitalization will be opened by the following banks:

1. Standard Credit- there, each ruble will bring an income of 9.5% (taking into account capitalization). The disadvantage is that deposits in this institution can be opened if there is large sum: in rubles from 100 thousand. They will offer the maximum income in the presence of an impressive 5 million rubles, foreign exchange will require investments from 2 thousand dollars
2. VUZ-Bank offers 9.25% of income in rubles (including capitalization)
3. Bank Soyuz offers to open deposits with a yield of 10.5%. This will require from 100 thousand rubles, accounts can be currency

Although all these institutions are not included in the banking top, they are quite reliable, as evidenced by their ratings.

Foreign currency deposits in Moscow banks at the maximum percentage top 50 offers for 2017

The top includes currency deposits AssetCapitalBank, there are proposals with the name Snowman and New Year's. In the first case, each client can count on 1.75% of income, while the investment amount can be small (from 200 USD/EUR). New Year's currency accounts are more profitable (2%), but the institution will require you to invest from 2 thousand dollars / euro.

Credit Europe Bank will allow you to open foreign currency deposits at 2.7% if the currency is the dollar, but when the account is opened in euros, the yield will be low - only 0.5%, and this will be the case if the money is transferred to bankers for a year. if the term is less, then the profit will be from 0.05%.

It is better to open multicurrency deposits in Moscow banks in Binbank. The account holder can easily change its currency depending on the exchange rate of any of them, thereby increasing profitability. In domestic currency, the depositor can receive 8%. In dollars, euros, income is much less (in dollars - up to 0.7%, in euros - up to 0.15%), but currency fluctuations can significantly increase profits.

Deposits in Moscow banks in dollars at the maximum percentage

Foreign currency deposits are not the most profitable, but they allow you to guarantee money saving from inflation, because of which Russia suffers greatly in last years. Good conditions now offers ActiveCapitalBank, they promise an income of 2% if a person opens a New Year's deposit for a year. More will offer Credit Europe Bank, if a person is ready to invest from 100 dollars per year (from 2.7%). Find profitable options possible in other institutions, for example, Legion Bank opens such foreign currency deposits at 3% if a person invests from 5 thousand dollars.

In Euro

Euro deposits in Moscow banks at a high interest rate in 2017 can be opened in Tempbank. There, such foreign currency deposits are opened at 2%, when the amount transferred under the control of bankers should be from 2 thousand euros. Such financial institutions, how Prime Finance and BankVVB provide customers with a yield of 1.9%. The first option is more beneficial for those who do not have a large amount, since there is a minimum deposit amount of 500 euros.

A bank deposit allows you to securely save and slightly increase your savings. However, against the backdrop of a massive decline in the yield of deposits, reliable banks with a high percentage of deposits have become a rarity. For example, the change in rates on Sberbank deposits in 2017 led to the fact that the profitability of the deposit does not even pay for inflation.

Operating insurance rates DIA and key rate The Central Bank of the Russian Federation does not allow banks to provide a profitable deposit in rubles in 2017. The highest interest rate on deposits in 2017 does not exceed 10%.

In this article, we will consider maximum rates banks on deposits in 2017 with the conditions established by the banks.

How to make deposits with maximum interest in 2017?

• To get a more or less decent income, you need to invest a large sum. The upper threshold in the tariff scale bank deposit starts from 1.4-1.5 million rubles.
• Choosing the right deposit term: contrary to the opinion “the longer, the higher the rate”, banks are increasingly appreciating short term deposit for 6-12 months.
• Examine the allowances: for remote registration, re-applying, having a pension certificate or salary card you can get a plus of 0.2-0.5% per annum.
• Capitalization: will bring you increased income due to the accrual of interest on added income.
• The highest interest rates on deposits in 2017 are offered for deposits WITHOUT the possibility of replenishment and partial withdrawal.
• If you find an unfamiliar bank with the highest percentage of deposits, check its ratings and liquidity indicators: it is possible that the organization is on the verge of liquidation, breaking the last jackpot on deposits.
• Pay attention to seasonal and holiday offers - they are often more profitable.

The most profitable deposits in banks - 2017

Credit Europe Bank JSC, term deposit

In the winter-spring of 2017, it became profitable to invest in CreditEurope Bank: the deposit brings from 8% to 9.7% per annum. Minimum amount the contribution is not great - 3000 rubles. Non-replenishable, no partial withdrawal.

Otkritie Bank, deposit "Welcome Interest"

A deposit in the amount of 50,000 rubles or more at Otkritie Bank can be issued at a rate above the average. Replenishment and partial withdrawal are not provided.

LOKO bank, deposit "Ice Age"

A deposit with a gradually increasing interest at the end of the term will bring you a yield of 11%. Replenishment from 1000 rubles is possible.

Renaissance bank. Deposit "Special"

It will bring you up to 9.75% per annum with an investment amount of 100,000 rubles. A deposit without the possibility of replenishment and debit transactions.

Bank "Russian Standard", deposit "Maximum income"

Amounts from 30,000 rubles can be profitably invested in Russian Standard Bank. Replenishment and partial withdrawals are prohibited. The maximum yield is for a period of 360 days.

Even in difficult economic situation in 2020, there is an opportunity to invest money in such a way as to earn. One of the ways is to arrange a profitable deposit for individuals. But which of the most reliable banks in Russia today has the highest interest on deposits? The website agency experts analyzed the proposals of the largest banks in the country, compiling a review of deposits in rubles with favorable interest rates.

Deposits of individuals - a traditional way of investing money

There are many ways to invest in order to receive passive income. You can buy a currency and wait for it to rise in price, you can earn money on Forex, invest in a PAMM account, try to earn income by trading binary options and much more.

All these ways of making money bring fairly high profits, but they are also associated with a certain risk. Bank deposits individuals still remain the most reliable and traditional way of investing savings in Russia today.

Choosing the most profitable deposit: what to look for

When choosing a bank to entrust money to, depositors, as a rule, pay attention to at least two parameters:

• - the size of the interest rate, which allows you to choose a deposit with the maximum income;
• - reliability of the bank, which allows you not to worry about the safety of savings even during a banking crisis.

It can be quite difficult to combine a high interest rate and sufficient bank reliability. Analysts of the agency website tried to do this by examining the conditions for deposits in Russian rubles for individuals in reliable banks.

What deposits in reliable Russian banks are the most profitable today

Each bank has its own line of profitable deposits for individuals with unique conditions.

In order to somehow bring "to a common denominator" the parameters of contributions to different banks, we tried to figure out which are the highest interest rates in rubles are offered to those who intend to open a deposit today, in 2020.

For the purity of the experiment, we compared the rates in the largest Russian banks on deposits for a period of 12 months, since this is the most popular investment period. 1 million rubles was taken as the estimated amount. And they also tried to dismiss the so-called investment or complex proposals with the obligatory investment of money, insurance, mutual funds or shares. As a result, the following list was obtained (check the exact conditions and interest rates on deposits with banks).

Most profitable deposits in reliable Russian banks from the top 10

Credit Bank of Moscow

MEGA Online deposit

Replenishment / Without partial withdrawal / Without capitalization / Interest at the end of the term

Bank FK Otkritie

Deposit "Reliable"

Without replenishment / Without partial withdrawal / Capitalization / Accrual of interest at the end of the term.

Promsvyazbank

Deposit "My income"

No replenishment / No partial withdrawal / No capitalization / Interest at the end of the term.

Savings account deposit

Without replenishment / Without partial withdrawal / Capitalization / Interest accrual monthly.

Post-bank

Deposit "Capital"

Without replenishment / Without partial withdrawal / Capitalization / Interest monthly

Sberbank of Russia

Contribution "Save"

Without replenishment / Without partial withdrawal / With capitalization / Calculation of interest monthly. Banks of Moscow >>

The main types of deposits of individuals

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

✓ term deposits with the highest interest. By opening such a deposit, you give the bank your money for certain period(3-6 months, 1 year or 3 years), and during this time you cannot take them back without losing interest or replenish your account.

✓ replenished deposits of individuals. By opening such a deposit, the depositor can save money by replenishing the account, and at the same time interest increases. However, it is impossible to withdraw funds from the account and not lose profitability.

✓ deposits with partial withdrawal funds without loss of interest. Such deposits usually have the lowest interest rates. But they make it possible to withdraw part of the funds up to a pre-negotiated minimum balance, on the amount of which interest will be charged.

Of course, in any unforeseen situation, if you need money ahead of schedule the end of the deposit, you can always get them, but it will be a pity for the lost profit. So, when you are going to make a deposit in a bank, it is better to decide in advance when you will withdraw money so as not to lose income.

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• New Product

  Bank Rossiya presents the Spring Mood deposit

  Bank Rossiya customers got the opportunity to make a seasonal deposit called Spring Mood with a yield of up to 5% per annum. The most attractive rate is provided when placing at least 10 million rubles for 1 year (367 days). The deposit can be issued for a period of 31 to 367 days. The amount to be placed is at least 3 thousand rubles.

  March 06, 2020

• Changing rates

  Energobank has revised the conditions for deposits

  Energobank announced a change in the conditions for placing ruble deposits. The rate on the "Pension Mood" deposit currently reaches 5.1% per annum. The minimum amount of placement under the program is 5 thousand rubles. The term for placing funds is 200 or 367 days. The maximum rate on the "Convenient" deposit is now 4.7% per annum.

  18 Feb 2020

• New Product

  Expobank presented the Bright Winter deposit

  The line of deposit services of Expobank was replenished with the seasonal product "Bright Winter". The deposit is divided into 3 periods, each of which has an individual rate of return on placed funds: 5.75% per annum - from 1 to 181 days, 6.75 percentage points - from 182 to 271 days, 7.25% - from 272 to 366 day. The minimum amount to be placed within

  10 Dec 2019

• Changing rates

  Sovcombank revised rates on mortgages, on deposits and on the Halva card

  Mortgages in Sovcombank can now be issued at a rate of 8.69% per annum. Sum housing loan is no more than 30 million rubles (can be increased on an individual basis). Loans are provided for up to 30 years. It is possible to issue a loan on two documents. Credit application processed within 1 business day.Deposits

  19 Nov 2019

• New Product

  Roscosmosbank presented new deposits for individuals

  Roscosmosbank clients can use two new deposit programs financial institution. The “Comfortable” deposit at the Head Office and the Cosmodrome-Plesetsk branch can be issued on the following terms: Minimum placement amount – 30 thousand rubles or 500 USD/EUR.

  July 11, 2019

• banking discussions

  RF Armed Forces: disputed deposit case

  The Supreme Court did not agree with the arguments of the manager about the absence of an agreement between Belous and Ekaterininsky. At the meeting, the plaintiff said that he had personally communicated with the president of the bank regarding the opening of deposits. In his office, he handed over the money and received cash receipts. He signed the contracts that were offered to him, and he

  03 May 2019

• New Product

  "Vozrozhdeniye" presents the contribution "Double Benefit"

  Bank "Vozrozhdenie" offers to make a deposit " Double benefit". The maximum yield of the new deposit service is 7.98% per annum (including capitalization). The rate is provided when placing funds for 1 year. The minimum amount for placement is 50 thousand rubles. The "Double Benefit" deposit is issued after the conclusion of the agreement

  01 Apr 2019

• Actual

  Last year, in order to attract depositors, some Russian banks set favorable conditions, and then “tightened the screws”. This practice attracted the attention of supervisory authorities - the Central Bank and the Federal Antimonopoly Service, which prepared a joint letter of warning to credit institutions. Antimonopoly and the regulator find it wrong

  11 Jan 2019