Bank offers on deposits. Which bank has the most favorable conditions for deposits and a high percentage of the deposit

A deposit in a bank was and remains the simplest and most reliable way to get additional profit from the available funds without burdening yourself with additional work. For residents of Moscow, deposits in banks are especially relevant: having the opportunity to save more money in their account, they can count on more high percent and profit. But in which bank is it worth making a deposit, and where will it be both profitable and safe?

Today, everything is simple about security: the system state insurance deposits protects depositors from losing money due to bank ruin or liquidation, and any amount up to 1,400,000 rubles will be returned to its owner. If you intend to deposit a slightly smaller amount into your account, there is nothing to worry about: you just have to choose a program with best conditions on a deposit - and open an account. At the beginning of 2017, it is possible that interest rate cuts will resume, so it makes sense to choose the most suitable offer today.

What deposits in Moscow banks will bring highest interest? Where will it be most profitable to invest money in 2017?

Sberbank

It would be wise to start with Sberbank, as the most popular bank among depositors in Moscow. But not really - to make savings in this bank. It's all about the percentage, which is the lowest among all the other banks that we are considering in this review. Sberbank offers its customers 6.95% per annum on deposits as the maximum possible, except for the seasonal offer "Good Year" with a rate of up to 8%.

Nevertheless, the "Manage", "Save" and "Replenish" deposits are quite convenient for the bank's clients. There are no strict limits on the amount and term here: the client can independently choose any period (from 1 month) and even deposit the minimum amount (from 1000 rubles) into the account. On the part of deposits, interest is capitalized, and the rate rises as the amount on the account increases. When opening deposits online, the rate is higher by an average of 0.4%.

VTB 24

Among banks offering deposits, it differs in that it offers its customers ample opportunities for obtaining additional income... The bank offers three deposit products - "Comfortable", "Accumulative" and "Profitable". Maximum income possible on the "Profitable" deposit. With an investment amount of 200 thousand rubles and more and a shelf life of 181 days, you can count on an interest rate of 6.80% (taking into account capitalization - 6.90%). With a deposit amount of 1,500,000 rubles, the maximum effective rate will amount to 7.75% with an opening period of 91 to 181 days. When opening an agreement in the Internet Bank, the interest will be higher.

Alfa Bank

On this moment offers its customers not only credit products, but also a number of deposit programs. Smallest percentage for income (non-accumulative) deposits is 7.10% (deposit "Potential +"), the largest - for deposits "Pobeda +" (8.34%) and "Premium +" (7.60%) with a deposit amount of 10 000 rubles. On the Pobeda deposit, you can count on the maximum rate of 8.96% by investing from 5 million rubles for a period of 184 to 276 days. And according to the Life Line savings program, with a deposit amount of 50 thousand rubles and a period of 1 year, the income will be up to 8.0% per annum, and this product is charitable: monthly the bank is 0.05% of the deposit amount to the charitable fund for saving sick children " Life line ".

VTB Bank of Moscow

The organization offers several deposit programs with different conditions. The most profitable proposition valid until January 31, 2017 on the "Seasonal" deposit - up to 10% per annum can be obtained by placing from 100 thousand rubles for 400 days. The deposit is divided into interest periods of 100 days, no replenishment or partial withdrawal is provided. Also, under the Maximum Income program, you can get a high percentage of 8.46 %% per annum (with capitalization, for 1 year with an amount of 1.5 million rubles or more). Deposits up to 550 thousand rubles will bring up to 7.76% per annum (with capitalization). When opening deposits "Maximum income", "Maximum growth" and "Maximum comfort" in the Internet bank increased rate- + 0.3% to the deposit rate in Russian rubles and + 0.1% to the deposit rate in US dollars / euro.

Home Credit Bank

Home Credit offers several savings programs to its depositors. One of them - the "Profitable Year" deposit is opened both in rubles and in foreign currency. The “Profitable Year” deposit is issued for a year, the minimum amount of the first installment is 1000 rubles with an interest rate of 8.75% (9.13% - with capitalization) per annum. Interest rates in US dollars - 1.50% (1.51% with capitalization, in euros - 0.5%. Deposits in rubles "Maximum income" and "Pension" offer higher interest - 8.75% (with capitalization - 9.34%) for a period of 18 months. But the deposit "Maximum income" is opened only in the Internet bank. At 8.0% per annum, a deposit "Capital" is opened for a period of 36 months, but without capitalization of interest. For all deposits, except for " Cabinet ", the minimum amount of the first installment and replenishment is 1000 rubles. The" Cabinet "deposit can be opened for 12 months, having an amount of at least 3 million rubles, with an interest rate of 8.9% (9.29% with capitalization).

Tinkoff

Tinkoff Bank offers its clients one type of deposit, formalized remotely, with interest rates up to 8.0% (8.84% - with capitalization) per annum in rubles, 1.5% in US dollars (2.01% - with capitalization) and 0.75% - in euros (with a capitalization of 1.25%). This percentage can be calculated with a balance of 50 thousand rubles and a shelf life of 12 to 24 months, with a period of 3 to 5 months - 5.5%, from 6 to 11 months 6.5%. If funds are transferred Bank transaction, then 1% of the deposit amount is added.

The possibility of replenishment (there are time limits) and partial withdrawal up to the minimum balance is provided.

Russian standard

The maximum rate at Russian Standard Bank can be up to 10% for the Maximum Income deposit program. The deposit is placed for 720 days, which are divided into interest periods, the most profitable of which is 360 days at 10%. The amount of placement when registering on the bank's website or in the office is from 30,000 rubles, and when opening in the Internet bank - from 10,000 rubles at the same rate. By term deposit The "replenished" holder of funds can receive up to 9.5% per annum. The storage period is six months or a year, the minimum amount for opening is 30 thousand rubles, but you can count on the rate indicated by us by placing them for a period of 360 days.

Where is it more profitable to keep money?

As you can see, deposits in Moscow banks are offered on different terms. All organizations can be divided into two groups - banks with the smallest and largest maximum rates... The first group includes Sberbank, Alfa-Bank, VTB24 and Bank of Moscow. In the second - Tinkoff, Home Credit, Russian Standard. Best interest for deposits in rubles are waiting for you at Home Credit and Russian Standard banks. Here you can get up to 10% per annum or more. However, one interest rate is not enough to draw conclusions about the profitability of a deposit in a particular bank. We recommend that you pay attention to the possibility of making incoming and outgoing transactions on the account, because for the most part of high-yield deposits, both replenishment and partial withdrawals are prohibited, interest is also usually paid only at the end of the term, which is not always convenient for depositors.

Updated in December 2016

A complete list of the banks' most relevant offers for depositors today is available on the website http://www.podborvklada.ru - there you can find a constantly updated list of deposits with the best conditions.

All banks are interested in attracting as much as possible to their accounts Money depositors. For this purpose, a wide range of deposits appears. High interest rates are not always accompanied by the convenience of account management. Before choosing a banking program, you need to carefully weigh the pros and cons, and think over the further possibilities of using the deposit.

In this article:

Choosing a deposit correctly

With all the differences, deposits can be conditionally divided into three groups, depending on the ability to manage accounts: profitable (without the possibility of replenishing and withdrawing money), replenishing and with the ability to use funds.

It is easy to choose the highest percentage, but what if you urgently need money? Here, savings programs come to the rescue with the right to partial / full withdrawal of money. Having cashed out some part of the funds, the client does not close the deposit, and in some cases does not even lose interest.

In the presence of free funds, income can be increased by increasing the amount of the deposit, thanks to the right to replenish it. A standard “profitable” banking product, as a rule, does not include such an opportunity. Its functions are to capitalize interest from month to month until the end of the contract, without the ability to manage and early use of funds. Standard deposits have the highest yield, depending on the amount of the deposit and the terms of the investment.

The conditions for making deposits in various banks are relatively equal:

• You need to choose a specific offer.
• Deposit an amount not lower than the specified minimum.
• Present an identity document.

Below are the most profitable deposits in Moscow banks, depending on their capabilities.

Income deposits

• Bank of Moscow "Correct answer"

Interest rates up to 11% in rubles.

Contribution - from 100 thousand rubles.

• BinBank

Annual interest up to 10.75% in rubles, 3% in US dollars, up to 2.45% in euros. Opening - from 10 thousand rubles, $ 300 and € 300.

• PromSvyaz bank "My benefit"

Interest rates up to 10.5% in rubles, 2.2% in US dollars, up to 1.15% in euros. Opening - from 10 thousand rubles, $ 300 and € 300.

• Alfa Bank

Interest rates up to 10.29% in rubles, 2.59% in US dollars, up to 1.12% in euros. Opening - from 10 thousand rubles., $ 500 and € 500.

• UniCredit Bank

Interest rates up to 9.5% in rubles, 3.5% in US dollars, up to 1.5% in euros. Opening - from 100 thousand rubles, $ 1,500 and € 1,500.

• VTB 24 "Profitable"

Interest rates up to 9.2% in rubles, 1.95% in US dollars, up to 0.8% in euros. Opening - from 200 thousand rubles, 3000 $ and 3000 €.

Deposit calculator

Deposit amount

Interest rate (%)

Deposit term (months)

Monthly interest

Reinvested withdrawn

• Gazprombank "Perspective"

Interest rates up to 9% in rubles, 1.5% in US dollars, up to 1% in euros. Opening - from 15 thousand rubles, $ 500 and € 500.

Replenishing deposits

• Bank Trust "Accumulative"

Annual rate up to 10.65% in rubles, 2.45 in US dollars, up to 1.7% in euros. Opening - from 30 thousand rubles., $ 500 and € 500.

• PromSvyaz Bank "Maximum Opportunities"

Interest rates up to 10% in rubles. Contribution - from 300 thousand rubles.

• Gazprombank "Accumulative"

Annual rate up to 8.8% in rubles, 1.4 in US dollars, up to 0.9% in euros. Opening - from 15,000 rubles, $ 500 and € 500.

• VTB 24 "Accumulative"

Interest rates up to 8% in rubles, 1.85% in US dollars, up to 0.7% in euros. Opening - from 200 thousand rubles, 3000 $ and 3000 €.

• RaiffeisenBank "Personal Choice"

Interest rates up to 8% in rubles, 0.5% in US dollars, up to 0.01% in euros. Opening - from 50 thousand rubles, 3000 $ and 3000 €.

• Sberbank "Top up"

Interest rates up to 7.1% in rubles, 1.85 in US dollars, up to 0.91% in euros. Opening - from 1000 rubles, 100 $ and 100 €.

Early withdrawal deposits

• Bank Trust "All Inclusive" with the possibility of replenishing the account

Interest rates up to 10.4% in rubles, 2.35 in US dollars, up to 1.4% in euros. Opening - from 30,000 rubles., $ 500 and € 500.

• Gazprombank. Product "Dynamic" It has additional opportunity replenishment of deposits.

Interest rates up to 8.7% in rubles, 0.95% in US dollars, up to 0.55% in euros. Opening - from 15 thousand rubles, $ 500 and € 500.

• Rosbank "Optimal"

Interest rates up to 7.6% in rubles, 1.1% in US dollars, up to 0.2% in euros. Opening - from 50 thousand rubles., 2000 $ and 2000 €.

• UniCredit Bank. Deposit "Universal" allows you to replenish your account.

Interest rates up to 7.5% in rubles, 0.25% in US dollars, up to 0.25% in euros. Opening - from 10 thousand rubles, $ 300 and € 300.

• Sberbank "Manage"

Interest rates up to 6.59% in rubles, 1.64 in US dollars, up to 0.35% in euros. Opening - from 30,000 rubles., 1000 $ and 1000 €.

28May

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

Contribution: concept and essence

A deposit is a certain amount of funds that you transfer to a banking organization in order to receive income in the form of interest. It is easy to become a depositor: you should conclude an agreement for placing money in rubles or another currency in a bank account.

Submit contribution for individuals any 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.

We also immediately note important information: all data regarding interest rates and opening conditions were obtained from the official websites of banking organizations. It can be changed, 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%- to a deposit or, at the request of the client, to a card;
7. Replenishment- regardless of time, via the Internet;
8. Removal in parts- regardless of the time, as it is convenient for you.

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

1. Minimum Contribution- 1 ruble (depends on the type of deposit being opened);
2. Minimum placement period- 30 days ("Save" deposit);
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 undoubtedly reliable, stable, 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% - every month;
7. Replenishment - Maybe;
8. Removal in parts- possible (deposit "Comfortable").

Summary: the amount of the first installment is large, not everyone can make it. The number of available deposits is small, but this can hardly be attributed to negative sides... 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% - every month;
7. Replenishment - yes, for deposits "Managed", "Cumulative", "Pension income"
8. Removal in parts- yes, for deposits "On Demand" and "Managed".

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

1. Minimum Contribution- 1000 rubles;
2. Minimum placement period- 3 months;
3. Maximum placement period- 2 years;
4. Minimum% rate – 7,25%
5. Maximum% rate – 9,0%
6. Accrual% - 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% (on the "Vacation" deposit);
6. Accrual% - at the end of the term;
7. Replenishment - Yes;
8. Removal in parts - only on the "Dynamic" deposit.

Summary: the bank is a member of the deposit insurance system, there is the possibility of personal consultation.

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 is possible;
8. Removal in parts – yes, it is possible.

Summary: there is an increase in the rate when opening online, the bank is included in the deposit insurance system, 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% – Once a month (capitalization is available);
7. Replenishment - Maybe;
8. Removal in parts - possibly on the "Free Governance" deposit.

Summary: there is an opportunity to replenish the amount of the deposit, 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 "Pobeda +" deposit;
6. Accrual% – every month;
7. Replenishment - Yes;
8. Removal in parts - Yes.

Summary: there is the possibility of earning a serious income, but for this you need to make large sum the 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, on the "Always at hand" deposit;
8. Removal in parts – Maybe.

Summary: there is an opportunity to make a minimum contribution in several payments, there is a 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% (on deposits in gold and silver);
5. Maximum% rate – 9%;
6. Accrual% – every month;
7. Replenishment - Yes;
8. Removal in parts – available.

Summary: a small amount of the first installment, the choice of deposits is wide.

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% can also be received 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% – Once a month or at the end of the term;
7. Replenishment - Yes;
8. Removal in parts – no.

Summary: opening in rubles and in foreign currency is available, you cannot partially withdraw money, 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% if you open a deposit via the Internet. It is permissible to close the deposit ahead of schedule and not lose the accrued%.

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% – everyday (if the deposit "On demand" is open);
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 money in parts, initially you can make a small amount.

Uralsib Bank

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: 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 choice, when you open it in the Internet bank, the percentage is slightly higher.

Comparison table for all banks

In the next part of our conversation, we will consider how to properly compare the contributions.

How to compare different contributions

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

The level of income that you receive on the deposit primarily depends on the rate. If you open a deposit in foreign currency, you will receive less income, if in rubles – more. Interest rates on foreign currency deposits are always lower than on ruble deposits.

Separately, we note that at present, it is becoming increasingly popular to open deposits without visiting the bank's office, online or through an ATM. Some banks offer a slightly higher percentage than the standard for such an opening. We have already written about this in the article.

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

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

You cannot withdraw money more than this amount, you will lose everything that was credited. This is especially important for depositors 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 in order not to lose money, to save it, and also to increase its amount. But there are a number of other goals as well. Let's talk about them.

1. Make money.

Do not be surprised, it is quite possible. Banking organizations often carry out actions of a different nature. If the circumstances go well, you can get additional income.

2. Get benefits.

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

3. Protect your money from inflation.

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

4. Save up for a large purchase.

We all know that there are people who don’t have 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.

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

Now let's talk in more detail about what deposits are generally available and how they are classified.

What are the deposits

To attract a large number of customers, banking organizations are constantly expanding the range of deposits, adding more and more. We will now consider the most popular types of deposits for us - ordinary people.

All deposits can be roughly divided into 2 categories: urgent and poste restante. Urgent deposits are opened for a specific time, demand deposits do not have a specific term.

Savings.

It should be noted that the highest rates are for this group. In addition, it is not always allowed for such deposits to withdraw money, as well as deposit funds into the account.

Estimated.

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

Accumulative.

Provided for such clients who plan to carry out its replenishment 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, retirees, and so on.

By seasons.

Timed to coincide with a certain season. They often have quite high rates, but there is no possibility of prolongation.

Mortgage.

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

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

Indexed.

This contribution is classified as urgent and is tied to the change in the value of an asset. The asset can be the dollar rate, securities, precious metals and more.

Multicurrency.

The meaning of such a deposit is that funds are stored in different currencies: most often they are rubles, euros and dollars. There is, of course, the opportunity to store money in more exotic currencies, but this is not common.

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. A commission, as a rule, is not taken for it, but the rates here are lower than for other types of deposits.

Baby.

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

Numbered.

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

How to choose a bank to place a deposit

Choosing a banking organization, which you can entrust money and not be afraid of losing it, will take a decent amount of time.

To make this task a little easier, here are some guidelines:

1. Don't neglect other people's reviews. Check them out, it certainly won't be superfluous. Just pay special attention to those that are presented on the network as a whole, and not on the official websites of the banking organization.
2. Study the information in the media for publications about the bank in a negative way.
3. When visiting the bank, clarify how interest rates work 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 here is that all the data on the site is presented in simple language, you do not need to be an expert in the field of economics to understand the topic;
5. Find out if the bank has branches and branches;
6. An important criterion for choosing is the bank's participation in the state deposit insurance system. This information is freely available on the Internet, it will not be difficult to find it.
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 disadvantage here is that to understand it common man difficult, specialist help is required.
8. An important indicator is the amount.
9. You can ask about the bank's ratings, they are published by special agencies. Of course, keeping track of them is difficult, but how Additional information it is quite possible to use.
10. An indirect sign that the bank is not doing well is the frequent failures in the implementation of various operations.

The mistakes we make when choosing a bank

Not always a potential depositor can adequately assess the reliability of the chosen banking organization.

Mistakes, by the way, are the most commonplace ones:

1. Choosing the highest deposit rate... This is dictated by the desire to increase the amount of their funds. If this is all your goal, you better take advantage of the other financial instrument... Very high rates should not attract, but repel the client. Their presence is an indicator that the bank needs funds, it has financial difficulties.
2. Excessive trust in bank specialists... Even if the employee speaks convincingly and beautifully, his words should be supported by something. Stable and reliable institutions provide clients with all the information in the public domain.
3. Opening a deposit in a servicing banking organization... Often, depositors entrust their funds to the bank in which they receive salaries or other types of permanent payments. It is convenient, but you do not need to carry all the money to one institution, it is better to distribute it among several.
4. Following unverified guidelines... The experiences of your friends and family are important, but you don't need to blindly follow them. They are most often based on the opinion of a particular person, and not on the actual state of affairs.

Summing up a small summary, I would like to say that the choice of a banking organization should be approached with increased attention and thoroughness. It is better to spend time looking for the most suitable bank for you than to risk your money savings.

State deposit insurance

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

In 2017, deposits up to RUB 1,400,000 were insured. If you have deposits in several banks and all of these credit institutions filed for bankruptcy, you will receive 1,400,000 from each.

This program also applies to deposits made in foreign currency. The amount in this case will be calculated at the rate that is valid on the date of revocation of the license from the bank. The 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 does not happen often, and the reasons may be of the following nature:

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

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 their 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 of deposit programs does not require payment. The 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 the fact that insurance rates... So, high level there is no need to wait for profitability.

You may ask: do you need to pay something or not? Let's answer this way: this direction of payments is practically not controlled. If you receive a payment notification, of course make the payment. But if you have not been notified about this for 3 years, you can not pay.

Deposit interest: how to calculate

To begin with, we immediately note that you should not completely trust the amount of interest on the deposit, which is indicated in the advertisement of the banking organization. Before entrusting your hard-earned money to the bank, try calculating the interest yourself. You may find it difficult, but we will try to explain in the simplest possible way how to do it.

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

They will not show a real result, because:

1. Their functionality is scarce, 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 for evaluating and comparing different offers.
3. If you have any questions, please contact the bank's consultants, they will clarify all the necessary points.

And now let's move on directly to terminology and calculations.

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

The concept of% on a deposit is understood as the amount that the bank pays to its client for the use of his money.

The amount of the rate is usually prescribed in the contract, indicate it as a percentage per annum. The rate can be floating or fixed.

If we are talking about easy way accrual%, then they are not added to the amount of the deposit, but 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 main amount has increased, which means that the total profitability is also growing.

Formulas

We calculate interest in the case of simple accrual:

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

• S - accrued%;
• P is the amount you deposit;
• I - the rate on the deposit for the year;
• t - number of days for which% will be counted;
• 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 accrual of% is simple. After the end of the term of the deposit, the income of O. will be: (200,000 * 9.5 * 365/365) / 100 = 19,000 rubles.

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

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

• S - accrued%;
• P is the amount you deposited;
• I -% on the deposit for the year;
• j is the number of days in the billing period;
• K is the 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 term of the deposit, the income of O. will be: (200,000 * 9.5 * 180/365) / 100 = 9369 rubles. (for 6 months).

Currency contribution: nuances

Under the current economic conditions, depositors 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 amount of the deposit will be paid to you in rubles.

In addition, there is one more subtlety: ASV begins insurance payments 14 days after the license was revoked from your bank. And during this time, the exchange rate may rise, so you may lose some amount.

What are the risks of depositors

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

The most common are the following:

• The banking organization was declared bankrupt;
• Personal income tax payment;
• Increase in rates for long-term deposits;
• Liquidity risk;
• Reinvestment risks.

And now a little more detail.

The bank was declared bankrupt.

To somewhat reduce the possibility of such a situation, 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 the money to you.

Personal income tax payment.

This will have to be done only 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 will lose 3% of your income.

Liquidity.

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

Reinvestment risk.

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

To minimize risks, choose a bank carefully.

Fraudulent transactions related to deposits

Recently, the revocation of licenses from banking organizations is a regular matter. But the problem is also that 27 thousand people have applied to the Deposit Insurance Agency with statements that people cannot receive a refund of their funds. As it turned out, there were fraudulent actions with deposits by banks.

What is the essence of such a fraud? It turned out that banking organizations were stealing funds from the accounts of their depositors. Double-entry bookkeeping was carried out, and the person did not even know that he had been robbed. In accounting, the data that the deposits were opened were 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, there was nothing to reimburse.

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

Follow this algorithm:

• Contact banking organization with a statement about insurance indemnity by attaching the documents that you have in your hands;
• The application from the bank is forwarded to the Insurance Agency;
• The agency registers it and reviews it;
• If the decision is positive, amendments will be made to the register of payments;
• 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.

You can also advise to place deposits in banks that are among the largest. This somewhat reduces the risk of license revocation and fraud. But this is a personal matter for everyone, we will not impose anything.

Conclusion

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

The best deposits of deposits- these are the ones that bring the highest income and offer favorable conditions. The choice of conditions depends on the goals set: investment, accumulation or preservation. The advantage of keeping money in banks is the constant increase money supply, the intensity of which exceeds the inflation rate. Urgent bank deposits are limited to certain storage periods from several months to several years.

Conditions and options by which you can make a choice:

• % rate;
• the possibility of making contributions throughout the year;
• monthly capitalization;
• the currency in which you make the purchase;
• auto-renewal - the terms of the contract continue to be fulfilled, even if at the end of the term you do not take the money;
• convenient term.

Investments can be made in rubles, dollars, euros and other currencies.

The Creditznatok service will allow you to find the most profitable deposits in the city. Using a simple spreadsheet, you can quickly compare interest rates across banks in Moscow and filter out unnecessary offers. The site contains the following information:

• title;
• interest rate;
• the amount of the deposit;
• term;
• currency.

Urgent placements

A term deposit in a bank is bank deposit with a certain shelf life. The established interest rates on deposits allow the depositor to receive income from funds generated in the course of financial transactions bank with his money. In this case, interest is issued only together with the invested money at the end of the contract. If you urgently need money, and you decide to withdraw it, you will have to pay a fine, and the percentage will drop to a minimum value.

Urgency allows banks to plan the use of funds, so they offer the best interest rates for urgent investments. At the time of investment, an agreement is concluded in which all the nuances are fixed: the amount, term of the deposit, currency, withdrawal conditions, interest rate, etc.

Interest is accrued in different ways:

• by the formulas of simple interest;
• by the formulas of compound interest;
• using a fixed or floating rate.

How to choose a bank?

"Creditznatok" will help you quickly find profitable interest rates on deposits in banks and consult with experts online - this saves a huge amount of time at the stage of choosing your bank. Look for profitable deposits in banks with us quickly and as conveniently as possible.

When a person has free money, a fair question arises: where to invest it in order to receive income? The easiest and safest way to generate income from the point of view of state protection of risks is deposits. We suggest that you familiarize yourself with the ratings of banks with 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 to exclude proposals from companies that may be in an unstable financial position.

Standard deposits

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

Deposits with additional opportunities

Even the highest interest on deposits in banks with additional options is usually lower than that of standard programs, but this does not diminish consumer interest in them. Such deposit products are preferred by depositors due to expanded access to money and preservation of accrued interest.

Replenishing deposits

The TOP-10 banks issuing the most profitable deposits with the possibility of increasing the initial amount looks like this:

1. RosEuro Bank - 8.5%. The banking product bears the corresponding name "Replenish". It is possible to open an account for a period from 91 to 1095 days in the amount of 50 thousand rubles. Monthly interest can be capitalized or used as you see fit. Replenish the deposit by at least 5 thousand rubles. available until the last 30 days of the validity of the contract.
2. Tinkoff - 8.5%. There are two rates in the bank - 8.5% with the possibility of replenishing the deposit only in the first 30 days and 8% - with the availability of increasing the balance throughout the entire term of the agreement. The minimum deposit amount is 50 thousand rubles. The size additional contributions 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 6000 days with the ability to replenish the account at any convenient time. Minimum limit for opening - 10 thousand rubles. Interest is paid every 400 days.
4. Orient Express Bank - 8.3%. Thanks to the "Sberknizhka" deposit, the bank's client can receive high income for 6-24 months. The contract is drawn up if there is at least 30 thousand rubles on the account. The amount of payments to increase the deposit must be more than 5 thousand rubles.
5. The All Inclusive program assumes 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 the multiplication of funds in the indicated amount when they are placed for 367 days. The initial payment must be more than 30 thousand rubles, and each additional payment must be more than 5 thousand rubles. Interest capitalization is possible at the request of the client.
7. AK Bars - 8.25%. A deposit account is opened for a period of 91 to 720 days. The minimum deposit amount is 1 million rubles. Replenishment of the account is possible, but no more than four times the initial balance.
8. BinBank - 8.2%. The contract is drawn up for 91 days with automatic prolongation on the same terms. Initial payment from 10 thousand rubles. The capitalization of interest is in effect, 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 you draw up a contract for 367 days. Bank charges are capitalized or transferred to the customer's account. Replenishment of the account is possible in the first 183 days.
10. Moskovsky Credit Bank – 7,75%. Registration with the proposed rate is possible only through an online application. The initial size of the deposit 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.

Partial withdrawal deposits

The highest rates on deposits in banks with the ability to withdraw part of the deposit amount (excluding accrued interest) are offered by several banks. Let's list them:

1. Tinkoff - 8.5%. Universal deposit with replenishment and withdrawal of part of the money. The minimum deposit is 50 thousand rubles. Partial withdrawal in the amount of 15 thousand rubles. possible after 60 days from the date of opening the account. Term from 3 months or more at the request of the client.
2. Novikobank - 8.5%. Novikobank offers a program with fixed periods 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 RUB 1.4 million. Interest is paid every 184 days.
3. National Bank Trust - 8.25%. At the “All Inclusive” tariff, you can not only replenish your account, but also partially withdraw money, provided that the minimum balance (similar to the initial minimum) is maintained - 30 thousand rubles. The terms are fixed - 91, 181 and 367 days.
4. AK Bars - 8.25%. The bank has rather strict requirements regarding minimum size deposit - 1 million rubles. The term of the contract can be from 3 to 24 months. The savings account can be replenished, as well as part of the money can be withdrawn from it, keeping 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. The initial payment is 10 thousand rubles. It is allowed to withdraw money from the account, provided that minimum amount, individually indicated 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 initial payment is from 100 thousand rubles. The processing time is 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. The account is opened for at least 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 amount of the deposit is maintained.
8. Ugra - 7.89%. Banking program "Maximum" 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 the 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 the placement of funds is 720 days. Replenishment is possible within the first year, and withdrawal of funds - starting from 91 days from the date of conclusion of the contract. 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, keeping the set 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. Top-ups can be up to 20 thousand rubles. At partial withdrawal the initial amount must remain on the account.

Opening a deposit

When the most difficult process is over - the depositor has determined where it is more profitable to deposit with interest, you can proceed directly to opening it. Most banks, along with registration at the branch, practice online application submission.

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

Of the documents, only a passport is required. If a deposit is opened in favor of a third party, then it is necessary to provide its documents (certified copies), proving identity. There are no requirements for the client as such, banks open deposits even in the name of minors.