Deposit is a large percentage. Deposits

28May

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

Contribution: concept and essence

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

Place a contribution for individuals Every citizen has the right, regardless of his social status and financial situation.

TOP 20 banks where you can open a deposit

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

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

Tinkoff Bank

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

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

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

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

VTB 24

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

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

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

Summary: sum down payment available to everyone, there are no restrictions on deposit terms.

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

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

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

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

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

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

Bank opening

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

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

Alfa Bank

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

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

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

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

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

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

UBRD

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

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

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

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

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

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

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

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

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

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

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

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

Bank "Ugra

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

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

Bank Uralsib

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

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

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

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

Comparative table for all banks

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

How to compare different deposits

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

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

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

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

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

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

Purposes of placing deposits

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

1. Earn money.

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

2. Get benefits.

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

3. Protect your money from inflation.

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

4. Save up for large purchase.

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

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

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

What types of deposits are there?

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

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

Savings.

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

Calculated.

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

Cumulative.

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

Special.

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

By season.

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

Mortgage.

Designed for those who want to independently save for a down payment on a mortgage. They can be replenished, but cannot be renewed automatically.

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

Indexed.

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

Multicurrency.

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

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

Children's.

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

Numbered.

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

How to choose a bank to place a deposit

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

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

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

Mistakes we make when choosing a bank

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

By the way, the most common mistakes are made:

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

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

State deposit insurance

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

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

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

Reasons for refusal to open a deposit

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

This happens infrequently, and the reasons may be:

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

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

Personal income tax and deposits of individuals

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

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

Interest on deposit: how to calculate

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

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

They will not show real results because:

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

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

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

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

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

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

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

Formulas

We calculate interest in case of simple accrual:

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

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

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

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

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

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

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

Deposit in foreign currency: nuances

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

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

What do investors risk?

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

The most common are the following:

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

And now a little more detail.

The bank was declared bankrupt.

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

Payment of personal income tax.

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

Increase in rates for deposits opened for a long time.

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

Liquidity.

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

Reinvestment risk.

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

To minimize risks, choose a bank carefully.

Fraudulent transactions related to deposits

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

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

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

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

Proceed according to this algorithm:

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

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

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

Conclusion

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

When a person accumulates a certain amount of money, he thinks that it is more practical to store it away from home. And the idea comes to mind to open a deposit, and even at interest. Then the money will, as they say, work for its owner. The idea is not bad, but first you need to decide on a bank. Well, it’s worth briefly talking about the services of the most popular financial organizations in Russia.

Sberbank

Many people decide in the most reliable and proven organization. In any case, Sberbank is considered to be such. There are several potential clients waiting here advantageous offers. You can make an anniversary contribution called “The Most Valuable.” It is opened for 175 days. Rate - up to 8% per annum. The client receives an insurance program as a gift.

There is also a “Save” contribution. It can be opened for a minimum of a month and a maximum of 3 years. Annual rate- up to 6.49%.

There are also deposits “Replenish”, “Manage”, “Give Life”, “Multi-currency”, “International” and “Savings”. It’s worth talking about the latter in more detail, since it is the most popular, since it is unlimited, and also replenished, with unlimited withdrawals and any minimum amount. The rate can vary from 1.5 to 2.3%.

Let’s say a person decided to open a deposit in Sberbank for a year and immediately deposited a million rubles into the account. Every month he replenishes it with another 20,000 rubles. As a result, over the course of a year he will accumulate 1,262,200 rubles, of which 22,209 are net income. True, with the same “Replenish” you will be able to earn more. After all, the rate is 6%. And with the same conditions, the final income will be 66,800 rubles.

VTB 24

Many people decide to open a deposit in this bank. There are also enough offers. But the best is “Beneficial” with a maximum rate of 8.55%. With an initial payment of 1,000,000 rubles, the income will be slightly less than 80,000 rubles. By the way, interest can either be left on or transferred to the card. It's whatever the client wants. Another good thing about VTB-24 is that it provides automatic extension of the deposit and preferential conditions for early termination.

But “Profitable” is bad because the account cannot be replenished. Therefore, it is convenient for people with substantial income who can open a deposit for a large amount. But “Comfortable” and “Cumulative” are replenishable tariffs. If you report 20 thousand rubles monthly, then at the end the profit will be 62 and 78 thousand rubles, respectively.

Rosselkhozbank

This is another popular financial institution. Many people decide to open a deposit in rubles here. One of the most popular offers is the “Classic” tariff. The minimum deposit amount is 3,000 rubles. It is not replenished, but the maximum rate is 8.55%. By the way, you can open a deposit for a period from 31 to 1460 days. If you make a deposit for the maximum period and deposit an amount of one million rubles, then the total profit will be slightly less than 335,000 rubles. But this is too long for many. However, even if you make a deposit for 395 days, the resulting profit will be 86,000.

The “Amur Tiger” tariff with a maximum rate of up to 8.1% is also popular. There are three terms - 395, 540 and 730 days. The minimum amount is 50,000 rubles. Interest is paid every month and is accrued at the end of the term. debit card issued to the client after registration of the deposit. You can use it to pay for housing and communal services, mobile communications, shopping in online stores. And by making transactions with this card, a person also helps protect the unique Amur tigers. Rosselkhozbank transfers part of the proceeds to the Center for the Study and Conservation of These Rare Animals.

OTP

It is impossible not to pay attention to this organization when talking about which bank is the most profitable to open a deposit with. The OTP has several proposals. The “maximum” tariff offers a rate of 8.3% for a period of 3, 6, 9 and 12 months. The minimum amount is 30,000 rubles; deposits and withdrawals are not possible. For the "Cumulative" tariff, the interest is 7.6%, for the "Pension" tariff - 7.4%, and for the "Flexible" tariff - 6.7%. There is also one with a rate of 6.5%.

Well, we can give an example of potential profit indicators. If a person invested a million rubles and topped up his account with 20,000 every month, then by the end of the year he would have collected 73,200 rubles on the “Accumulative” account. This is pure profit. In the case of the “Pension” plan, the amount will be about 83,000. And with the “Flexible” tariff, at the end of the term you will be able to earn 74 thousand rubles. “Maximum” is suitable for people with large incomes, since replenishments are not provided in its case.

"Gazprombank"

A certain part of Russians decide to open an interest-bearing deposit with this organization. Gazprombank has five proposals. They all concern basic deposits. The first option is “Promising” with a maximum rate of 8.2%. The period can be from three months up to 3 years. Replenishment is not provided.

There is also “Cumulative”. The rate is less than 8%, but you can top up your account, as is the case with the “Dynamic” tariff, the maximum rate of which is 7.9%, but partial withdrawals are still available. There is also a “Rentier” tariff (6.7%).

The most common option is “Cumulative”. Having invested a million, at the end of the year you will get about 74,000 rubles. But if you use the “Prospective” tariff, opening a deposit for three years, you will eventually be able to earn about 210,000 in interest.

Alfa Bank

Finally, let’s say a few words about this organization. Some people decide to open a deposit with Sberbank, while others are more impressed by Alfa.

The first offer is the “A+” tariff. The rate will be 7.3%. Having invested a million, at the end of the year you will be able to gain about 75,000. A similar tariff is called “Victory”. Only in this case the rate is 7.87%, and the final profit, accordingly, is about 79 thousand rubles. The deposit, by the way, can be opened for a period from three months to 750 days.

There is also a “Life Line” tariff. The bank transfers part of the income received from clients to the fund of the same name, which creates a culture of charity in society and financially helps children with serious illnesses. In addition to the above, clients are offered “Potential”, “Premium” and “Premier” deposits.

In general, as you can see, all banks have quite favorable conditions. A person will receive a profit in any case, and how large it will be depends on the amount of his contribution and the chosen tariff. Before going to a particular financial institution, it is better to familiarize yourself with all the popular offers and calculate the possible income from interest.

Opening current account Banking is becoming an increasingly popular service. And not only among commercial companies. Many freelancers open individual entrepreneurs and also need settlement and cash services. We’ll talk about which bank will welcome them more cordially today.

Deposits are not only a reliable way to save your savings, but also an opportunity to make a small profit. Despite the fact that this is a fairly transparent banking product, it is worth considering many nuances associated with bank deposits. Today we will tell you how to profitably invest in a bank, get maximum profit and in which bank to open a deposit.

Bank deposit

Deposit bank accounts- This is an option for a passive source of income. The depositor will not have to monitor account data on a daily basis or take any action at all. It is enough to periodically monitor information on interest accrual and make a timely decision to withdraw money or make decisions on further investment. Therefore, people who plan to open a deposit in a bank first of all care about the safety Money and hope to earn a small income.

This is a risk-free way of earning money, which is clearly regulated by law. Monitors the activities of commercial banks Central bank Russia, which is ready to defend depositors at any time. Banking organizations are completely subordinate to the Central Bank.

At this stage the market is saturated banking offers, having similarity in their criteria. They are quite easy to compare with each other, so for those who are deciding which bank is better to open a deposit with, we will tell you how to choose the right option for yourself and consider the current optimal offers.

To determine which contribution is more cost-effective, you need to pay attention to the main terms of the contract, there are only a few of them:

1. Interest rate. The part that will constitute profit. The higher it is, the more profitable the deposit. When deciding which bank is better to make a deposit in, it is important to find a rate that would at least compensate for inflation for last year. But the interest rate is not the only indicator.
2. This is the addition of accumulated money to the deposit amount, i.e., with a certain periodicity, the deposit amount will grow, and interest will be charged on a larger portion, which will make the deposit more profitable. As a rule, such options have a lower interest rate than a savings account without capitalization. The more often capitalization occurs, the greater the profit. There are contracts with monthly, quarterly or annual capitalization.
3. Shares from companies. In the banking environment there is such a thing as a seasonal deposit. This is a promotion from banking organizations aimed at increasing raised capital. Also, the seasonality of deposits is dictated by market conditions. There are often New Year's or summer offers. Such deposits are usually short-term with high interest rate, it would be advisable to place money during this period.
4. Tariffs for interbank transfers. When choosing a bank for a long-term relationship, you should understand that after some period of time the profitability of the deposit may become lower than alternative offers from other companies. Therefore, you may have to draw up an agreement with another bank and transfer money there. You need to take into account the transfer fee of the bank that opened your account.

Banking companies offering to open a deposit do not greatly limit their clients in maximum amount placed on the account. But another thing is that only 1.4 million can be guaranteed to be returned in conversion to rubles. This is due to the fact that, according to state program Most banking institutions participate in the deposit insurance system.

If the bank is declared bankrupt or its license is taken away, then at the expense of the state you can get your money back, including the interest earned at the time the license was revoked. Therefore, it is recommended that a total amount of no more than 1.4 million rubles be placed in one bank. If the depositor has a large amount of funds, then it is safer to use several banking organizations to open a deposit.

Before choosing a deposit, you need to pay attention to the terms of the contract. Bank deposits directly depend on the refinancing rate set by the Central Bank. This is the rate at which the Bank of Russia lends commercial banks. Interest also depends on exchange rates, the current state of the economy, market trends, and the solvency of the population. All this is quite difficult to predict in advance even for top specialists in this field.

Therefore, a long-term investment may not be profitable in the future, given rising inflation or lost profits due to alternative offers. It is recommended that the period should not exceed one year, after which it would be possible to assess the current circumstances and choose the appropriate option.

Often, banking companies specify an automatic extension in the terms of the contract. This means that if the investor does not decide to withdraw the money at the end of the term, the contract will be extended under certain conditions. And the conditions may differ from the original ones. For example, upon extension, the rate will be lower.

Banks offer various programs:

• open a children's deposit;
• savings;
• cumulative;
• mortgage;
• foreign currency deposit.

The rate under the terms of the agreement, if it is a long-term deposit, can be tied to the refinancing rate, and when it fluctuates, also change in one direction or another. This will allow you not to worry about large interest losses.

Many programs do not provide early withdrawal money placed in the account. In this case, a loss of interest may occur, since the conditions provide for a “on demand” rate, which is usually 0.5%, instead of a cumulative rate of 8-9%.

Or the conditions dictate that the account must have a minimum balance, usually it is at least 10% of the funds deposited and has a lower threshold, for example, 100,000 rubles. This means that money above this amount can be withdrawn, the rest can be issued at the “on demand” rate or subject to penalties.

Let us once again pay attention to this point. It is best to deposit where there is monthly capitalization, with high interest rates under the contract. IN long term The interest that capitalizes the account can make the investment better, yielding greater returns. For example, let’s take 100,000 rubles at 12% per annum.

1. For a deposit without capitalization at the end of the term you can receive 112,000 rubles.
2. If the contract contains monthly capitalization, the amount will constantly increase:

• 100 000 + 1 000 = 101 000;
• 101 000 + 1 100 = 102 100;
• 102 100 + 1 021 = 103 121;

…………………………………………….

• 12 111 550 + 1 115= 112 669.

At large amounts Accordingly, the profit on the account becomes more noticeable.

You can open a profitable savings deposit provided that it is possible to replenish your account. This option is used by those who are going to make a large purchase. This instrument is also used to invest part of the profit on a monthly basis. Replenishable deposits can serve as an alternative to loans. Every month you make contributions commensurate with your monthly loan payments. Thus, it is not the client who pays interest to the bank, but the banking organization that accrues income to the accounts opened.

Many depositors are wondering which bank is more profitable to open an account with. As a rule, the choice falls on top structures that have proven their worth for decades. There is logic in this, but you shouldn’t stop at well-known brands.

After all good propositions can also be found among small local banking companies. The main thing that financial institution participated in state system insurance. Also, indicators of profitable banks are: authorized capital, amount of money raised, profitability for the past period and reliability rating from experts.

Insurance

Accreditation for banking companies is provided by the Central Bank. It regulates the list of banks that participate in state insurance. You can also familiarize yourself with the list of which banking organizations are included on the Bank of Russia website. It is more profitable to open a deposit in one of them.

Big authorized capital are owned by top financial corporations, such as Sberbank or VTB 24. The remaining assets are formed from funds raised from depositors and investors, as well as from the total investment activities jar. A large share of raised funds may have a negative impact in the event of a difficult economic situation and panic among those who hold funds in a given banking organization. In the event of a massive request for money, the financial institution simply will not be able to fulfill its obligations.

Another important factor when choosing the best option to open a deposit is the account management tools. This includes both staff competence and remote control services. For example, in the case of Sberbank you will have to deal with queues and waiting, but the company has a highly functional Personal Area and countless ATMs throughout the country and abroad.

The Tinkoff company does not even have offices, relying entirely on remote maintenance, some local banks are poorly represented, but they provide prompt assistance in client matters.

Reviews

A profitable contribution will always be distributed on the Internet, where users leave their reviews. It is worth separating the PR company banking institution with purchased advertising reviews from the opinions of real investors. Therefore, it is recommended to use proven resources for analysis, such as: banki.ru or sravni.ru.

Banks

It's time to consider real current offers and identify profitable options savings deposits on this moment. Perhaps, based on our analytics, you will choose the right offer for yourself.

Loko-Bank

At the moment, the deposit is better than what Loko-Bank offers. The interest rate can reach 11% per annum. The minimum amount is 100,000 rubles, the maximum threshold is 2 million rubles. The deposit period is 400 days. In this case, the interest rate is not uniform, but is distributed as follows:

• up to 100 days – 11%;
• 101–200 days – 10%;
• 201–300 days - 9.5%;
• 301–400 days – 6.5%.

Deposit replenishment is not provided, but capitalization is carried out on a monthly basis. You can open a ruble account, only partial withdrawals are possible, the agreement is not automatically extended.

Renaissance Credit LLC

It is profitable to open a deposit with Renaissance Credit. Interest rates are tied to the term of the contract and the amount placed. They range from 7.5 to 8.25%. The minimum amount is only 5,000 rubles or 100 euros, dollars. For foreign currency accounts, rates range from 0.35 to 0.5%. Automatic renewal is provided.

There are three directions:

• profitable - without withdrawal and replenishment, but with the highest rates;
• cumulative - without withdrawal, but with replenishment (6.75–7.50% in rubles and 0.15–0.75% in foreign currency);
• without boundaries, where both conditions are included. (7% in rubles, 0.15–0.25% in foreign currency).

Svyaz-Bank

Svyaz-Bank stands out with its seasonal product called “Light”. You can invest from 50,000 rubles at 8% per annum without replenishment or withdrawal for one year. There is an automatic extension with conditions from 4.5 to 8.1%. Additionally, a bonus card is issued.

With Credit Europe you can open a deposit with quarterly capitalization at a rate of up to 9.25%. Deposits are non-replenishable, without withdrawal and with a heterogeneous rate, which, unlike Loko-Bank, is more advantageously located for the client at the end of the term. The minimum entry threshold is from 30,000. The frequency is as follows:

• 1st quarter – 5.1%;
• 2nd quarter – 5.5%;
• 3rd quarter – 7.25%;
• 4th quarter – 9.25%.

Sberbank

Consider offers from market leaders. In Sberbank on maximum bet can be calculated using the “Save Online” product, where the interest is 5.63%. You can open a deposit from one to three years without replenishment and without withdrawal.

VTB has a more interesting product linked to a multicard. Deposit without restrictions on withdrawal and replenishment. Moreover, with a non-uniform rate and renewal at 10% per annum. The product works as follows:

• 1st month – 10%;
• 2nd – 5.5%;
• 3rd – 6.5%;
• from 6th to 12th – 7.5%;
• from the 12th – 10%.

Thus, this is one of the best offers at the moment.

The client may experience material benefit. This is possible provided that the interest on the deposit exceeds the refinancing rate by 5%. There are no such offers on the market now. The current key rate is 8.5%. Accordingly, in order to fall under the article Tax Code, you must have a contribution of at least 13.5% per annum.

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When a person has free funds, a fair question arises: where to invest it to generate income? The simplest and safest way to generate income from the point of view of state risk protection is through deposits. We suggest that you familiarize yourself with the ratings of banks that have the highest deposit rates depending on the conditions of deposit programs.

Please note that when compiling the lists, banks included in the TOP-50 were used credit institutions countries in order to exclude proposals from companies that may be in an unstable financial position.

Standard deposits

Standard deposits mean deposits for certain period, which do not have additional functions - replenishment or partial withdrawal. As a rule, the rates on such deposits are the highest. Top ten with best offers looks like that:

Deposits with additional features

Even the most high percent for deposits in banks with additional options is usually lower than that of standard programs, but this does not reduce consumer interest in them. Such deposit products are preferred by depositors due to increased access to money and preservation of accrued interest.

Replenishable deposits

The TOP 10 banks that issue the most profitable deposits with the possibility of increasing the initial amount look like this:

1. RosEuro Bank – 8.5%. Banking product is appropriately called “Replenish”. It is possible to open an account for a period of 91 to 1095 days in an amount of 50 thousand rubles. Monthly interest can be capitalized or used at your discretion. Replenish the deposit by at least 5 thousand rubles. available until the last 30 days of the contract validity.
2. Tinkoff – 8.5%. The bank has two rates - 8.5% if it is possible to replenish the deposit only in the first 30 days and 8% if it is possible to increase the balance throughout the entire term of the agreement. The minimum deposit amount is 50 thousand rubles. Size additional contributions is not limited.
3. TransCapital Bank – 8.5%. Another bank with a high interest rate on deposits is TKB. The “Super Long-Term” deposit product is designed for 6,000 days with the ability to replenish the account at any convenient time. Minimum limit for opening – 10 thousand rubles. Interest payments occur every 400 days.
4. Orient Express Bank – 8.3%. Thanks to the Savings Book deposit, a bank client can receive high income for 6-24 months. The agreement is drawn up if there is at least 30 thousand rubles in the account. The amount of payments to increase the deposit must be more than 5 thousand rubles.
5. The All Inclusive program requires a minimum down payment of 30 thousand rubles. with the further possibility of replenishing the account for any amount. The deposit is opened for a period of 3 to 12 months.
6. Globex – 8.25%. The “Optimal” product guarantees an increase in funds in the specified amount when deposited for 367 days. The initial contribution must be more than 30 thousand rubles, and each additional payment must be more than 5 thousand rubles. Capitalization of interest is possible at the request of the client.
7. AK Bars – 8.25%. The deposit account is opened for a period of 91 to 720 days. The minimum deposit amount is 1 million rubles. It is possible to replenish the account, but not more than four times the initial balance.
8. BinBank – 8.2%. The contract is drawn up for 91 days with automatic extension on the same terms. Initial payment from 10 thousand rubles. There is capitalization of interest, as well as the possibility of replenishing the deposit for any amount.
9. Moscow Regional Bank – 8%. A product with a similar rate is available at MosoblBank. The minimum initial investment is 300 thousand rubles. You can count on the stated rate when signing a contract for 367 days. Bank charges are capitalized or transferred to the client's account. Account replenishment is possible in the first 183 days.
10. Moscow Credit Bank – 7,75%. Registration with the proposed rate is possible only through an online application. The initial deposit amount must be at least 1 thousand rubles. The tariff provides for monthly capitalization of interest. Replenishment is possible up to the maximum limit - 10 million rubles.

Deposits with partial withdrawals

Several banks offer the highest rates on deposits in banks with the ability to withdraw part of the deposit amount (not counting accrued interest). Let's list them:

1. Tinkoff – 8.5%. Universal deposit with replenishment and withdrawal of part of money. The minimum deposit amount is 50 thousand rubles. Partial withdrawal in the amount of 15 thousand rubles. possible after 60 days from the date of account opening. Duration from 3 months or more at the request of the client.
2. Novikobank – 8.5%. Novikobank offers a program with fixed terms of 184 or 368 days. The initial deposit amount is from 30 thousand rubles. Partial withdrawal is possible if the minimum balance is more than 1.4 million rubles. Interest payments occur every 184 days.
3. National Bank Trust – 8.25%. With the “All Inclusive” tariff, you can not only top up your account, but also partially withdraw money, provided that you maintain a minimum balance (similar to the initial minimum) - 30 thousand rubles. The terms are fixed - 91, 181 and 367 days.
4. AK Bars – 8.25%. The bank has quite strict requirements regarding minimum size deposit – 1 million rubles. The contract period can range from 3 to 24 months. The savings account can be replenished, as well as withdraw some money from it, maintaining the initial minimum of 1 million rubles.
5. Globex – 8.15%. The “Universal Online” product is only available through an online application. Money can be invested for 6, 12 and 24 months. Initial payment – ​​10 thousand rubles. It is allowed to withdraw money from the account, provided that minimum amount, individually designated in the deposit agreement.
6. Orient Express Bank – 8.02%. The “Practical” product allows you to withdraw money without losing interest. The amount of the down payment is from 100 thousand rubles. Processing times are 181 and 731 days. After partial withdrawal, the account must have a minimum balance of 100 thousand rubles.
7. Absolut Bank – 8%. Absolut Bank offers special program for persons of retirement age. An account is opened with a minimum of 10 thousand rubles. lasting from 91 to 730 days. A one-time partial withdrawal of the amount for the entire period is possible, provided that the minimum deposit amount is maintained.
8. Yugra – 7.89%. The “Maximum” banking program allows you to invest from 1.5 million rubles. for a period of 2 to 12 months. It is possible to replenish the deposit account, as well as withdraw part of the money while saving a minimum balance. In addition to this program, Ugra Bank also offers “Managed Interest”, where the minimum initial contribution is 100 thousand rubles, and the duration of placement of funds is 720 days. Replenishment is possible during the first year, and withdrawals are possible starting from 91 days from the date of conclusion of the agreement. The first year the rate is 10%, the second – 5.5% per annum. Interest can be withdrawn at the end of each period.
9. Promsvyazbank – 7.5%. The minimum deposit amount is 150 thousand rubles, which can be invested for 367 or 731 days. The deposit can be replenished or withdrawn from it, maintaining the established initial limit. Automatic extension of the contract is possible.
10. Credit Moscow Bank - 7.25%. The “Settlement” tariff is issued in the online banking system. The deposit is opened for at least 1000 rubles. You can top up in an amount of no more than 20 thousand rubles. At partial withdrawal The initial amount must remain in the account.

Opening a deposit

When the most difficult process is over, the investor has determined where more profitable investment at interest, you can proceed directly to opening it. Most banks, along with registration at the branch, practice submitting online applications.

Often, for opening a deposit account online, the client can even receive a premium to the stated rate.

The only documents you will need are a passport. If the deposit is opened in favor of a third party, then it is necessary to provide his identification documents (certified copies). There are no requirements for the client as such; banks open deposits even in the name of minors.