Deposits more than 8. Deposits with high rates

A bank deposit is an opportunity to earn interest by investing your money in a bank for a certain period. None of the programs can be called universal - the recipe for a profitable investment of money is different for everyone and depends on the depositor’s attitude to the bank’s reliability, auto-renewal, capitalization and other conditions. The best interest rates on deposits usually involve risks and some inconvenience for the depositor.

This page contains a collection of banks offering maximum interest rates on deposits. To get acquainted with the best offers and programs in more detail, click the “Apply” button - you will be redirected to the bank’s website.

"Creditznatok" is a service that allows you to select deposits with the maximum interest rate or the most favorable conditions, taking into account the variety of offers. Regardless of what matters to you - flexibility of conditions, availability of capitalization or maximum income - here you will find the highest interest rate on deposits in Moscow and can now profitably manage your money.

Analysis of profitable offers

Offers that include the possibility of capitalization allow you to make the most profitable investment. Income is compounded every month, and in the next period interest is calculated on the new increased amount. Among the best profitable offers we can also highlight:

• not allowing replenishment and partial withdrawal of funds;
• not allowing withdrawal of income before the end of the contract;
• promotional offers from banks dedicated to memorable dates.

Time deposits at the highest interest rates can also be found among foreign currency products: the interest rate here is lower than that of ruble deposits, but the options are very wide and flexible. You can open an account not only in dollars and euros, but also in other currencies.

It is easier to find profitable deposits at high interest rates in less popular small banks. Having an impeccable reputation, large banks do not need the highest rates to attract depositors - many of them choose reliability and stability over fast money. Additional advantages are convenient Internet banking, bonus programs, and the availability of ATMs not only in Moscow, but even in small towns.

We have collected on this page the banks that offer the highest income and allow you to invest your funds profitably. You can choose a suitable bank according to several criteria: high income, term, deposit size, currency. It should be remembered that a large rate exceeding the refinancing rate by 5 points will entail the need to pay a tax of 35% on the difference between the interest.

To find out more, click on the “Apply” button: get all the necessary information and fill out an application on the bank’s website. Look for great deals with "Creditznatok"!

Content

Knowing how to earn good money is a great art, but even more important is maintaining it and increasing it. Paper money hidden in a secret place depreciates over time and loses its purchasing power. Experienced investors know that in order to grow savings, it is necessary to create a portfolio of investments. Money should be placed in different financial institutions under different deposit programs and interest rates, and in such operations the most profitable deposit is accompanied by increased risks.

What does a profitable bank deposit mean for individuals?

A large assortment of deposit offers and promotions, differences in interest rates, parameters and terms of placement should not distract from the main task of preserving your savings. In order to choose the most profitable deposit, at the first stage it is necessary to determine the reliability of the commercial financial structure. The next step is to assess the profitability, which depends on the annual deposit rate, the capitalization period and the possibility of replenishing the deposit account. Many investors require the freedom to withdraw their funds at a time that suits them.

The purpose of the deposit

To select the right deposit program, decide on the amount you want to invest and the period within which you will need this money. These initial data make it possible to determine your goal for the deposit - to receive short-term income or to steadily accumulate funds with additional replenishment of the account. It is more profitable for bankers to deal with a client who invests funds for a clearly defined period. This provides the opportunity for a banking institution to plan its credit and financial operations for the same long periods.

How to choose the most profitable deposit

To protect citizens' money, a bank deposit insurance program is in place. If the bank loses the money invested by the borrower, compensation is made in the amount of 1,400,000 rubles per deposit. Considering this amount, it is worth making investments in several banks. Choosing the most reliable one will simplify the task of depositing a large amount. The country's population, workers and pensioners have the opportunity to compare bank services and select the most profitable deposits. A balanced deposit portfolio should contain both highly profitable and highly reliable investments.

Interest rates on deposits

After choosing a bank to determine the most profitable deposit, you should decide on the maximum interest rates and the final reward. The resulting or effective interest rate, taking into account additional deposits of cash and commissions, differs from the nominal one. Large financial institutions do not offer the highest returns, since they guarantee reliability with large amounts of ruble and foreign currency deposits. Smaller ones increase rates, introduce attractive conditions for capitalization, replenishment, and try to attract investors.

Interest capitalization

Let's assume you made your first deposit for 3 months. After the end of this period, your deposit will be credited with 0.25 of the annual interest rate for the selected deposit program. You add the amount of accrued interest to the main deposit, and leave the total amount of money for the next 3 months. This process is called capitalization of profits received. A simple calculation shows that the shorter the capitalization period, the greater the final income will be at the end of the deposit period. The capitalization period varies from 1 month to the full deposit period.

Deposit amount

Russian legislation does not limit the minimum and maximum investment amounts. For small deposits, it is worth using the amount of compensation for their insurance for calculations. The probability of bank failure in the era of the global crisis remains high. For large investment amounts, from 10 million and above, it is worth choosing reliable institutions. The deposit amount directly affects the interest rate. The higher the minimum entry threshold into the deposit program, the higher the interest rate. This applies equally to ruble and foreign currency deposits.

Deposit currency

One of the main factors for an investor is the determination of the deposit currency. The ruble is subject to inflation and exchange rate fluctuations, but it has the highest rates. The dollar and euro, more stable currencies, are attracted at a lower interest rate. It is worth noting that currency differences greatly affect additional conditions for deposits. For dollars or euros, banks impose restrictions on free replenishment and early full or partial withdrawal of funds. The manager of the institution will tell you how to take advantage of the available currency programs.

Possibility of deposit replenishment

Some favorable deposit agreements make it possible to top up your account at any time. There are programs where you can only add funds after a certain period of time. The scheme for replenishing the deposit account is a quarterly table that describes the change in the interest rate. This change looks like a staircase in 0.5-1% increments with the highest in the 1st quarter and the lowest in the last. A ban on replenishment in recent months is common.

Interest withdrawal

The deposit term specified in the deposit contract determines the time after which the depositor has the opportunity to access his deposit account and dispose of the money at his own discretion. In the case of monthly interest capitalization, their withdrawal will hinder the growth of your asset. There are rules by which your income is transferred to an additional account. Sberbank offers Savings Certificates, the most profitable of which with a face value of 100 million rubles or more bring an income of 7.2%.

Where to open a deposit at a high interest rate

Which bank is the most profitable for deposits?

A study by our experts showed that Development Bank offers a large percentage of deposits. The rate on ruble deposits of the Premium program for 12 months depends on the deposit amount. With a minimum amount of 15 million rubles, the maximum rate is 14%, and with a deposit of more than 30 million rubles for 1 year - 14.3%. Interest is accrued and capitalized at the end of the term with the possibility of replenishment. Attractive annual rates for other currencies. For amounts over 5 million dollars or euros, the rate is 7%.

The highest interest rates on deposits today

The table shows profitable deposits of Russian banks.

Profitable deposits in rubles

Considering the accessibility for most depositors, the most profitable deposit is offered by the Asia-Pacific Bank. When entering from 125 thousand rubles under the “Future” and “Investment” programs, the rate is 10.5%. The second most popular program “Katyusha” provides 8.8% per year. Unicredit on deposits offers yields in rubles - up to 9.8% per annum, in dollars - up to 3.23% and up to 1.18% - in euros. Inbank's "Maximum" deposit will bring 9.38% per year for terms from 1 to 36 months, with the possibility of replenishment, monthly capitalization, partial withdrawal and a minimum entry amount of 50,000 rubles.

To choose the most profitable investment and the right investment strategy, you should contact experienced investors. Managers of financial institutions will not be able to help you choose the most profitable deposit. Each of them is interested in attracting depositors to their bank. A competent portfolio investor will help you analyze the effectiveness of your investments. The final return and resulting interest rate differs from nominal and promotional offers. It is necessary to take into account in the calculations additional bank commissions for transferring money to accounts and converting.

It is worth considering the possibility of investing part of your available funds in different currencies, gold and other precious metals. In recent years, the largest banking institutions in the world have chosen Bitcoin as a reserve currency. Competent financial reviews of analytical sites will help you choose the optimal behavior, and teach you how to choose the right strategy and tactics for using financial resources to create passive income, show you new directions for acquiring assets and the most profitable investment.

Profitable deposits in foreign currency

We reviewed the most profitable deposit in foreign currency from Development Bank, but deposits with high interest rates are offered to large investors. The average yield in foreign currency for Russian banks varies from 1 to 2% per annum. Taking into account the factors of reliability, prevalence, and accessibility, the most profitable deposit from Alfa Bank “Pobeda+” with an annual rate of 1.97% in dollars is attractive.

Effective deposit rates for dollars are higher than for euros. The European currency, under the influence of geopolitical problems in Europe, has shown its instability in recent years. The ongoing change in the political elites of the European continent, the new US President, growing tensions between the superpowers, and the prospect of several countries leaving the European Union do not add stability and prospects to the euro for investors.

Deposits in Moscow banks at maximum interest rates

Moscow banks offer the best rates on deposits. BCS, for amounts from 500,000 to 1,000,000, for clients who have entered into DKBO in branches located in Moscow, has launched the “Super Deposit” program for the most profitable deposit with an annual yield of 9.3%. Absolut Bank with the Progressive Income deposit will increase your income by 9.15% per annum. Ziraat Bank Moscow in its “Term” deposit with an entry amount of 90,000 rubles will offer 9% per year with the possibility of replenishment, capitalization and extension of the contract for 730 days.

The Ural Interregional Bank offers to deposit from 10,000 rubles on the “Profitable” deposit at a rate of 8.8% and for a period of 91 days to 1 year. The interest rate under the “Maximum-Online” program from Dolinsk Bank is from 7.35%. At Center-Invest Bank, the project is “Fixed-term for 1 year with auto-extension” at 8.3% of 15 million rubles. “Our people” at the Trust National Bank will receive 8.85%.

BinBank's "Maximum Interest (Online)" deposit provides a rate of 8.5% for six months, but with interest paid at the end of the term. According to the “All Inclusive - Maximum Online Income” program of the Moscow Credit Bank, 7.75% is charged on cash contributions from 185 days with monthly capitalization. Credit Europe Bank offers the “Optimal +” deposit at 8.75% with monthly income payment, and the “Rantier” deposit at 8.6%.

From June 2, 2019, the Moscow Industrial Bank launched the “Spring Traditions” program with a rate of 8.38% per annum with a minimum start of 30,000 rubles for a period of 360 days. The main characteristics are payment of income and capitalization quarterly, preferential termination, replenishment by periods with a “ladder” return from 9.5 to 7%. “Tradition of Success Maximum” offered by Promsvyazbank provides an income of 8.8% per annum in rubles. The “Investment” deposit will bring 8.6% for periods of 180 days with replenishment, capitalization and preferential termination.

Video

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

In this article:

Choosing the right investment

Despite all the differences, deposits can be divided into three groups, depending on the capabilities of account management: profitable (without the ability to replenish and withdraw money), replenished and with the ability to use funds.

It’s easy to choose the highest percentage, but what to do if you urgently need money? This is where savings programs with the right to partially/fully withdraw money come to the rescue. Having cashed out some of the funds, the client does not close the deposit, and in some cases does not even lose interest.

If you have available funds, income can be increased by increasing the amount of the deposit, thanks to the right to replenish it. A standard “income” 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 term without the ability to manage and use funds ahead of schedule. Standard deposits have the highest yield, depending on the amount of the deposit and the investment period.

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

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

Deposit - from 100 thousand rubles.

• BinBank

Annual interest is 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, 1500 $ and 1500 €.

• 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 €.

Replenishable deposits

• Bank Trust "Accumulative"

The annual rate is 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. Deposit - from 300 thousand rubles.

• Gazprombank "Accumulative"

The annual rate is 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 "Replenish"

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 €.

Deposits with early withdrawal

• Bank Trust "All inclusive" with the ability to top up your account

Interest rates are 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" has an additional opportunity to replenish 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 top up 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 €.

A bank deposit has been and remains the simplest and most reliable way to get additional profit from existing funds without burdening yourself with additional work. For Moscow residents, bank deposits are especially relevant: having the opportunity to deposit more money into an account, they can count on higher interest rates and profits. But which bank should you make a deposit in, and where will it be both profitable and safe?

As for security today, everything is simple: the state deposit insurance system protects depositors from losing money due to the ruin or liquidation of a bank, 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: all you have to do is choose the program with the best deposit conditions and open an account. Interest rate cuts may resume at the beginning of 2017, so it makes sense to choose the most suitable offer today.

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

Sberbank

It would be reasonable to start with Sberbank, as the most popular bank among depositors in Moscow. But it’s not very good to make savings in this bank. It's all about the interest rates, which are the lowest among all other banks that we are considering in this review. Sberbank offers its clients 6.95% per annum on deposits as the maximum possible, not counting the seasonal “Good Year” offer with a rate of up to 8%.

However, the “Manage”, “Save” and “Replenish” deposits are quite convenient for bank clients. There are no strict restrictions on the amount or period: the client can independently choose any period (from 1 month) and deposit even a minimum amount (from 1000 rubles) into the account. On some deposits, interest is capitalized, and the rate increases as the amount in the account increases. When opening deposits online, the rate is higher on average by 0.4%.

VTB 24

Among the banks offering deposits, it differs in that it offers its clients ample opportunities to receive additional income. The Bank offers three deposit products – “Comfortable”, “Accumulative” and “Profitable”. The maximum income is possible on the “Profitable” deposit. With an investment amount of 200 thousand rubles and a storage period of 181 days, you can count on an interest rate of 6.80% (taking into account capitalization - 6.90%). For a deposit amount of 1,500,000 rubles, the maximum effective rate will be 7.75% with an opening period from 91 to 181 days. When opening an agreement in Internet banking, the interest will be higher.

Alfa Bank

At the moment, it offers its clients not only loan products, but also a whole range of deposit programs. The lowest percentage for income-generating (non-accumulative) deposits is 7.10% (the “Potential +” deposit), the highest for the “Victory +” (8.34%) and “Premium +” (7.60%) deposits for the deposit amount from 10,000 rubles. For the Pobeda deposit, you can expect a 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 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 advantageous offer is valid until January 31, 2017 for the “Seasonal” deposit - up to 10% per annum can be obtained by depositing from 100 thousand rubles for 400 days. The deposit is divided into interest periods of 100 days; replenishment and partial withdrawal are not provided. Also, under the “Maximum Income” program, you can get a high interest rate of 8.46%% per annum (with capitalization, for 1 year for 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 “Maximum Income”, “Maximum Growth” and “Maximum Comfort” deposits in the Internet Bank, an increased rate applies - +0.3% to the deposit rate in Russian rubles and +0.1% to the deposit rate in US dollars / euros.

Home Credit Bank

Home Credit offers its investors several savings programs. One of them is the “Profitable Year” deposit, which is opened in both rubles and foreign currency. The “Profitable Year” deposit is issued for a year, the minimum down payment 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 “Maximum Income” deposit is opened only in the Internet Bank. At 8.0% per annum, the “Capital” deposit is opened for a period of 36 months, but without capitalization of interest. Cabinet", the minimum amount of the first payment and replenishment is 1000 rubles. The "Cabinet" deposit can be opened for 12 months, with 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, issued remotely, with interest rates of 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 capitalization - 1.25%). You can count on this percentage for a balance amount of 50 thousand rubles and a storage period of 12 to 24 months, for a period of 3 to 5 months - 5.5%, from 6 to 11 months 6.5%. If funds are transferred by bank transfer, then 1% of the deposit amount is added.

It is possible to replenish (there are time limits) and partially withdraw up to the minimum balance.

Russian standard

The maximum rate at Russian Standard Bank can reach 10% under 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. On the “Replenishable” term deposit, the holder of funds can receive up to 9.5% per annum. The shelf life is six months or a year, the minimum amount for opening is 30 thousand rubles, but you can count on the rate we indicated by placing them for a period of 360 days.

Where is the best place to store money?

As you can see, deposits in Moscow banks are offered under different conditions. All organizations can be divided into two groups - banks with the lowest and highest maximum rates. The first group includes Sberbank, Alfa Bank, VTB24 and Bank of Moscow. In the second - Tinkoff, Home Credit, Russian Standard. The best interest rates on deposits in rubles await 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 ability to make incoming and outgoing transactions on the account, because for the most part, high-yield deposits prohibit both replenishment and partial withdrawal of funds; interest is also usually paid only at the end of the term, which is not always convenient for depositors.

Updated December 2016

A complete list of the most current bank 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.

Only a few banks offer high-interest deposits in Moscow. Some make such an offer to attract new clients, others - to maintain their positive reputation. The biggest contribution is . But this can only happen if several conditions are met:

• the account is opened immediately for the entire amount;
• nothing can be done with the funds until the end of the contract;
• the client belongs to the preferential category.

High interest rates are possible within . They also receive maximum profit when opening a foreign currency account.

Conditions for opening a deposit at a high interest rate in Moscow

A high percentage can be opened by citizens both at their place of registration and residence. For this you only need a passport. There are those who cooperate with young people over 14 years old. Offers for individuals differ:

• minimum amounts.

The highest rates on deposits in Moscow are offered by institutions that have high indicators of their own assets, a good loan portfolio, that is, they are stable.

On our website you will find bank deposits with high interest rates in 2019. For convenience, we offer a comparative table with current information and to calculate possible profits. The data is updated regularly to ensure our users receive up-to-date information. If necessary, you can choose the most convenient currency for calculations.