The most profitable banks for deposits. Which bank has the most favorable conditions for deposits and a high percentage of the deposit?

A strict savings regime, hard work, an inheritance or a gift can help you have a free amount of money that you can use at your discretion. different ways: hide money in a secret place, invest in a business, buy real estate, etc. IN Lately Deposits in Moscow are becoming increasingly popular. They allow you to guarantee the preservation of capital, including through state insurance, as well as receive additional income in the form of interest paid.

Deposit rates in Moscow banks

Since interest on deposits in Moscow largely determines how much of the deposit will be added to the original one, many consider them the most important condition for the deposit and, on this basis, make the choice of program and bank.

Of course, deposit rates have a big impact on the profitability of deposits in Moscow, but not only they can reduce or increase your profit. Thus, the type of deposit itself can greatly affect the profitability of the entire deposit program:

• time deposits with a strict limitation on the storage period for savings are characterized by the highest interest rates;
• unlimited or short-term deposits usually accompanied by more low rates on deposits in Moscow banks.

Thus, if you want to open a deposit at high interest rates, then try to plan your budget wisely in order to be prepared to comply with certain restrictions:

• ban on closing a bank deposit in Moscow earlier deadline;
• prohibition on partial withdrawal of funds placed on the deposit.

Violation of these rules for deposits in Moscow banks may lead to penalties from the bank and a reduction in the initial rate.

In addition, you can choose the interest payment period. There are several options:

• daily;
• once a week;
• once a month;
• once a quarter;
• only at the end of the term.

All interest on deposits is accrued individuals in Moscow daily, but may differ from each other by the presence of capitalization.

Which bank in Moscow is better to open a deposit in?

In 2020, many banks are working with deposits: Sberbank, VTB, Rosselkhozbank, Post Bank, Alfa Bank, etc.

To open a deposit in Moscow on the best terms, you will have to spend time studying all current options, making calculations, and consulting with experts.

Quickly get all the necessary information on current deposits The deposit calculator on this page will help you:

1. Enter your deposit requirements.
2. Get the full list current deposits Moscow banks are updated as of today.

After this, you will be able to make an informed choice, as well as immediately submit an online application for the selected deposit program.

Content

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

Rates on deposits of individuals

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

• The Central Bank analyzes the actions of everyone financial institutions not only to identify violations that lead to fines or loss of license. Other indicators are also monitored.
• Average interest rates on deposits in 2019 are 10.82%: this is 0.3% higher than last year 2016.
• The state makes sure that institutions do not exceed this value by more than 2 points - this threatens them with fines, additional audits and increased insurance premiums. According to this principle, the state controls banking market without giving the opportunity credit institutions risk clients' money.

Interest on pension deposits

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

Sberbank pleases pensioners with favorable conditions - interest does not depend on the size of the deposit, it is possible to replenish online. “Pension Plus” – replenishable deposit for 3 years, 3.5% per annum, “Save” – non-replenishable, rate 5.6% (up to 6.13% when opening an account online), “Replenish” – 5.12% ( online – 5.63%). There is a “Pension” - 8.3% per year from MDM Bank, Home Credit Bank offers a “Pension” - 7.75%.

Interest on ruble deposits

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

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

Rates on foreign currency deposits

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

Interest rates on deposits in Moscow banks

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

The most best programs for Moscow banks:

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

High deposit rates

Interest rates on bank deposits today vary widely. What does this depend on? Experts identify several reasons that can determine high interest rates on bank deposits:

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

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

Interest rates of reliable banks

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

• analysis of the work of a credit organization by the Central Bank, taking into account the value of its equity;
• customer reviews about the work of the institution;
• inspection of organizations by special agencies.

Sample list of deposits with good interest rates from recognized reliable banks this year looks like this:

• “Magnus” – 8% for a year from J&T Bank;
• “Solid percentage” – 8% from 3 months. Promsvyazbank;
• “PRIME” – 8.13% - 3 months to a year from UniCreditBank;
• “150 years of reliability” – 8.2% for 3 months. from Rosbank;
• “Promising” - up to 8.1% with terms from six months to 3 years from Gazprombank.

Banks of Russia - interest rates on deposits

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

• “Solid” – 10.5% for 550 days from GazTransBank;
• “Maximum” – 10.5% from 9 to 36 months, Dolinsk bank;
• “Loyalty to traditions Premium” – 10.25% (amount from RUB 2,000,000 for 1 year from Alef-Bank;
• “According to the Europlan” - 10% for the year from BinBank Capital;
• “Safe” - 10% for the year from the Interaction Bank.

Deposit rates in Sberbank today

Averages rarely exceed 8%, which is compensated by reliability, wide distribution throughout the Russian Federation and quality of service.

• "Memory of Generations" - minimum deposit is 10,000 rubles. the rate is 6.4-7%, with part of the profit transferred to the Military Veterans Assistance Fund.
• “Save Online” – can be done in any currency. A small minimum amount - only 1000 rubles. – makes it accessible to any segment of the population. Maximum percentage income – 6.13 in rubles and 1.06 in dollars.

More popular offers:

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

Bank VTB 24

This bank contains a share of government money, so its reliability is fully justified. Today, VTB 24 Bank offers low interest rates on deposits, which is compensated by favorable conditions:

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

Rosselkhozbank of Russia

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

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

Deposit in Alfa Bank

The interest rate on deposits at Alfa Bank is comparable to its competitors, but the popularity of the financial institution is great. Currently clients are offered:

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

Post Bank

Pochta Bank appeared on the Russian financial market quite recently, and until 2016 it was called Leto-Bank and was subsidiary company major credit player VTB24. Last year, all branches of Leto-Bank closed, and clients were surprised to find that they were serviced by Pochta-Bank. An aggressive advertising campaign involving famous actors is doing its job; the bank is constantly calling for the use of its services to invest accumulated funds.

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

• “Seasonal” – for a year with a placement amount of 50,000 rubles. The rate is 8.25% with payment of profit upon expiration of the term, pensioners receive 8.5% per annum.
• “Capital” – for six months or a year up to 8.25% plus a card as a gift.
• “Accumulative” – a replenishable deposit up to 7.5% and a minimum amount of 5,000 rubles. early closure and capitalization of interest once a quarter is possible.
• "Profitable" - annual deposit with 7.75% per annum and an amount of 500,000 rubles, a card or personal account is a gift.

Rating of banks by interest rate on deposits

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

Specify the features of the offers in the table:

Video: Interest rates on deposits in 2019

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• New Product

  BBR Bank launched the “2020” deposit

  5.75% per annum - this is maximum bet profitability of the new deposit program of BBR Bank, called “2020”. The most attractive rate is provided if funds are placed for 700 days (the deposit can also be made for 200 or 500 days). As part of the “Time to change the rules” promotion, it is possible to further increase

  17 Feb 2020

• Analytics

  Otkritie: investment products are becoming an alternative to deposits

  According to Otkritie Bank, recently Russians are increasingly withdrawing available funds from deposit accounts and investing in investment products.The population has about 30 trillion rubles in its hands. The financial structure plans to hold an IPO next fall. Maybe, securities the bank will sell to private investors.By

  12 Feb 2020

• Changes in rates

  Sovcombank revised rates on mortgages, deposits and the Halva card

  Mortgages from Sovcombank can now be obtained at a rate of 8.69% per annum. Sum housing loan is no more than 30 million rubles (can be increased by individually). Loans are provided for terms of up to 30 years. It is possible to obtain a loan using two documents. Loan application reviewed within 1 business day. For deposits

  19 Nov 2019

• New Product

  Energobank presented the “Competent Investor” deposit

  Energobank has added a new deposit service with increased profitability. The rate on the “Competent Investor” deposit reaches 8% per annum. The deposit can be made for six months or a year. The profitability of the program does not depend on the period of placement of funds. A prerequisite for registering a deposit is the conclusion of a savings agreement

  29 Oct 2019

• New Product

  Vozrozhdenie launched 4 new retail deposits

  The line of retail deposits of Vozrozhdenie Bank has been replenished with four deposit products at once. The “Replenishable” deposit is opened in rubles and US dollars. The maximum deposit rate is 5.5% per annum in rubles and 0.7% per annum in dollars. Placement amount – from 30 thousand rubles / 500 dollars. The deposit account can be replenished. The deposit is “Active”.

  01 Oct 2019

• Changes in rates

  NS Bank changed deposit rates

  NS Bank has revised the profitability of branded deposit products. The rate on the “Investment” deposit is currently 8% per annum. The deposit service is available for clients who have issued investment insurance products. Interest is paid at the end of the term of the deposit agreement. “Saving” deposit. Bid -

  02 Aug 2019

• Analytics

  Depositors received almost 33 billion rubles from the DIA. in 6 months

  From January to June, the Deposit Insurance Agency paid insurance compensation 55.8 thousand people. Such data was published on the state corporation’s website. In the first six months, the DIA paid 32.8 billion rubles to former depositors of bankrupt banks. Half of the people who have the right to claim insurance benefits received this money.

  July 23, 2019

• Changes in rates

  Gazprombank increases deposit rates

  Gazprombank is making branded deposits more attractive. For the “Your Success” deposit, the marginal rate of return has increased to 7.84% per annum. The rate is provided when placing funds for a period of 1.5 years (547 days). The deposit can be made until the end of May. The minimum placement amount is 300 thousand rubles. The deposit is non-replenishable. Issue

  27 Feb 2019

Passive income - nice bonus to salary. There are many places where people often invest money in hopes of creating: a game on foreign exchange market, investments in cryptocurrencies, investing in company shares and more. But these methods do not guarantee results. When contributing money for any purpose, you should be aware of the risks and be prepared for defeat and loss of finances.

The least risky way to increase profits on an ongoing basis is a bank deposit. An individual provides the bank with his savings, for which the bank pays a certain percentage of the invested amount monthly or annually.

Best interest rates on bank deposits

You should trust finances only to reliable structures. This is one of the main criteria according to which depositors choose a bank. In our time banking crises- Not unusual. It is good to have confidence that your bank will not collapse during the next period of financial difficulties.

The second important parameter is the interest rate. This is the money that you will receive as net profit from the deposit. It is desirable that there be not only high percent, but also comfortable accompanying conditions for the investor. Passively accumulated funds can subsequently be increased by starting.

To combine the bank's reliability and profitability, we have compiled an up-to-date list of the most profitable deposits.

“My income” (Promsvyazbank)

Conditions:

• currency - rubles;
• minimum amount - 100,000 rubles;
• terms and interest:
  • at 91 days - 6.6%;
  • on day 181 - 6.7%;
  • for 367 days - 6.7%.

Among the bank's programs, this deposit has the highest interest rate. If the client wishes to terminate the contract ahead of schedule, preferential terms will make the process quick and with minimal losses. You cannot withdraw part of the money or replenish the deposit amount during its validity.

Interest is paid at the end of the agreed period to the same account in which the original deposit was placed. If you close the deposit after the due date, only half of the accumulated interest will be paid, so be punctual. To open a deposit, contact either your local Promsvyazbank office or PSB-Retail, available online.

“Maximum income” (Moscow Credit Bank)

Conditions:

• minimum amount - 1000 rubles; US$100; 100 euro;
• terms and interest for deposits in rubles:
  • for 95 days - 5.75%;
  • for 185 days - 6.25%;
  • for 370 days - 6.75%.
• • for 95 days - 0.75%;
  • for 185 days - 1.10%;
  • for 370 days - 1.45%.
• • for 95 days - 0.01%;
  • for 185 days - 0.20%;
  • for 370 days - 0.55%.

According to the primary agreement, interest is paid at the end of the term. However, the bank has created the ability to connect additional options. Thus, the investor can partially withdraw the invested funds, replenish the account, and also demand interest monthly. To activate one or more of the services described, you must enter into an additional agreement.

If there are additional conditions, additional interest is provided for. If the client has an annual “Service Package” program, 0.25% will be added to deposits in rubles, and 0.15% to deposits in foreign currency. The same amount of premiums is possible if you open a deposit not in a bank office, but in MKB-Online or in the MKB terminal. If you do not close the deposit on time, its validity is extended automatically in ascending order. And after an open year, another 95 days will be added.

"Maximum income" (Sovcombank)

Conditions:

• currency - rubles, dollars, euros;
• minimum amount - 30,000 rubles; US$5,000; 5000 euros;
• terms and interest when opening a ruble deposit in the office for up to 1 year:
  • upon termination within 31–90 days - 6.6/7.6% (Halva card);
  • upon termination within 91–180 days - 7.0/8.0% (Halva card);
  • upon termination within 181–270 days - 6.6/7.6% (“Halva”);
  • upon termination within 271–365 days - 6.6/7.6% (“Halva”).
• terms and interest when opening a ruble deposit in the office for up to 3 years:
  • upon termination within 90 days - 6.8/7.8% (Halva card);
  • upon termination before 180 days - 7.2/8.2% (Halva card);
  • upon termination before 365 days - 6.8/7.8% (Halva card);
  • upon termination before 730 days - 6.0/7.0% (Halva card);
  • upon termination before 1095 days - 6.0/7.0% (halva card).
• terms and interest when opening a ruble deposit through Internet banking for a period of up to 1 year:
  • upon termination within 31–90 days - 6.6%;
  • upon termination within 91–180 days - 7.0%;
  • upon termination within 181–270 days - 6.6%;
  • upon termination within 271–365 days - 6.6%.
• terms and interest when opening foreign currency deposits:
  • in US dollars for 271–365 days - 1.55%;
  • in US dollars for 1095 days - 3.00%;
  • in euros for 271–365 days - 1.00%.

Partial withdrawals are not allowed, but deposits are allowed. The minimum replenishment amounts are 1000 rubles, 100 dollars or euros. Interest is paid after the end of the deposit period.

"Reliable" (Opening)

Conditions:

• currency - rubles, dollars, euros;
• minimum amount - 50,000 rubles; 1000 US dollars; 1000 euros;
• terms and interest:
  • For ruble deposits at 91 or 191 days - 6.42–7.30%;
  • in US dollars for 91 or 181 days - 0.20–0.80%;
  • in euros for 91 or 181 days - 0.10%.

The accumulated interest is paid every month. Capitalization is possible: this means that with each new interest accrual, the previous ones are added to the original deposit amount. The rate goes up if you own Pension card of this bank.

"Maximum interest" (Binbank)

Conditions:

• currency - rubles, dollars, euros;
• deposit term - from 3 months to 2 years;
• minimum amount - 10,000 rubles; US$300; 300 euros;
• terms and interest for ruble deposits:
  • when opening in a bank branch - 6.10-7.30%;
  • for individuals (pensioners) - 6.25-7.45%;
  • when opening via the Internet - 6.30-7.50%.
• terms and interest for deposits in US dollars:
  • when opening in a bank branch - 0.55-1.65%;
  • for individuals (pensioners) - 0.55-1.65%;
  • when opening via the Internet - 0.55-1.65%.
• terms and interest for deposits in euros:
  • when opening at a bank branch - 0.01%;
  • for individuals (pensioners) - 0.01%;
  • when opening via the Internet - 0.01%.

During the validity period of the deposit, you cannot replenish it, withdraw part of the money or receive monthly payments. The entire invested amount, together with interest, is returned to the investor after the end of the agreed period.

"Profitable" (Rosselkhozbank)

Conditions:

• currency - rubles, dollars;
• terms for opening a deposit - from 31 to 1460 days;
• minimum amount - 3000 rubles; US$50;
• interest rate for ruble deposits - up to 6.70%;
• The interest rate for deposits in US dollars is up to 2.45%.

Some of the most comfortable conditions. An individual can receive interest even from small deposits on short term. You cannot replenish and spend funds, but there are several options for operations with interest: capitalization and monthly withdrawal to the account are available.

"Profitable" (VTB 24)

Conditions:

• currency - rubles;
• minimum amount:
  • when opening a deposit online - 30,000 rubles;
  • when opening a deposit at a bank branch - 100,000 rubles.
• terms and interest when opening a deposit at a bank branch:
  • for a period of 3–5 months - 6.20/6.23%;
  • for a period of 6 months - 6.20/6.28%;
  • for a period of 13–18 months - 5.90/6.15%;
  • for a period of 18–24 months - 5.70/6.02%;
• terms and interest when opening a deposit online:
  • for a period of 3–5 months - 6.60/6.64%;
  • for a period of 6 months - 6.60/6.69%;
  • for a period of 6–13 months - 6.15/6.23%;
  • for a period of 13–18 months - 6.10/6.29%;
  • for a period of 18–24 months - 5.90/6.15%;
  • for a period of 24–36 months - 5.70/6.02%;
  • for a period of 36–61 months - 3.10/3.25%.

In this deposit increased profitability, but if you withdraw funds before the end of the contract, it is lost. Capitalization possible. If you do not close the deposit on time, its term is automatically extended for the shortest possible time (3 months), but no more than 2 times. If you close your deposit before the due date, you will receive 0.6% of the original rate. But for this, the deposit period must exceed 181 days.

"Pobeda+" (Alfa-Bank)

Conditions:

• currency - rubles, dollars, euros;
• minimum amount - 10,000 rubles; US$500; 500 Euro;
• interest rates:
  • in rubles - 5.5–6.23%;
  • in US dollars - 0.35–2.38%;
  • in euros - 0.01–0.20%.

You cannot replenish your deposit or partially withdraw money. Accrued interest is capitalized, but the client loses it if the contract is terminated early.

"Savings" (Gazprombank)

Conditions:

• currency - rubles, dollars, euros;
• minimum amount - 15,000 rubles; US$500; 500 Euro;
• terms - from 3 months to 1097 days;
• interest rates for ruble deposits:
  • for an amount from 15,000 to 300,000 rubles - 5.6–5.8%;
  • for an amount from 300,000 to 1,000,000 rubles - 5.8–6.0%;
  • for an amount from 1,000,000 rubles - 6.0–6.4%;
• interest rates for deposits in US dollars:
  • for amounts from $500 to $10,000 - 0.30–1.40%;
  • for an amount over $10,000 - 0.40–1.50%;
• interest rates for deposits in euros:
  • for an amount from 500 to 10,000 euros - 0.01%;
  • for an amount from 10,000 euros - 0.01%.

A long term provides for the presence of separate conditions for interest payments. As a consequence, with a deposit period of more than 365 days, interest is paid not at the end of the entire term, but at the end of the calendar year. It is prohibited to replenish your account or withdraw funds. You can extend the deposit period, but not automatically. To do this you will have to visit the bank office.

“Replenish” (Sberbank)

Conditions:

• currency - rubles, dollars;
• minimum amount - 1000 rubles; US$100;
• terms - from 3 months to 3 years;
• terms and interest rates for ruble deposits when opened through Sberbank Online (from 1000 rubles):
  • for 3–6 months - 3.70/3.71%;
  • for 6–12 months - 3.80/3.83%;
  • for 1–2 years - 3.60/3.66%;
  • for 2–3 years - 3.45/3.63%;
  • for 3 years - 3.45/3.63%.
• terms and interest rates for ruble deposits when opened through Sberbank Online (from 100,000 rubles):
  • for 3–6 months - 3.85/3.86%;
  • for 6–12 months - 3.95/3.98%;
  • for 1–2 years - 3.75/3.82%;
  • for 2–3 years - 3.70/3.83%;
  • for 3 years - 3.60/3.80%.
• terms and interest rates for ruble deposits when opened through Sberbank Online (from 400,000 rubles):
  • for 3–6 months - 4.00/4.01%;
  • for 6–12 months - 4.10/4.14%;
  • for 1–2 years - 3.90/3.97%;
  • for 2–3 years - 3.85/4.00%;
  • for 3 years - 3.75/3.96%.
• terms and interest rates for ruble deposits when opened through Sberbank Online (from 700,000 rubles):
  • for 3–6 months - 4.00/4.01%;
  • for 6–12 months - 4.10/4.14%;
  • for 1–2 years - 3.90/3.97%;
  • for 2–3 years - 3.85/4.00%;
  • for 3 years - 3.75/3.96%.
• terms and interest rates for ruble deposits when opened through Sberbank Online (from 2,000,000 rubles):
  • for 3–6 months - 4.00/4.01%;
  • for 6–12 months - 4.10/4.14%;
  • for 1–2 years - 3.90/3.97%;
  • for 2–3 years - 3.85/4.00%;
  • for 3 years - 3.75%.
• terms and interest rates for ruble deposits when opening in a bank branch (from 1000 rubles):
  • for 3–6 months - 3.45/3.45%;
  • for 6–12 months - 3.55/3.58%;
  • for 1–2 years - 3.55/3.58%;
  • for 2–3 years - 3.30/3.41%;
  • for 3 years - 3.20/3.35%.
• terms and interest rates for ruble deposits when opened in a bank branch (from 100,000 rubles):
  • for 3–6 months - 3.60/3.61%;
  • for 6–12 months - 3.70/3.73%;
  • for 1–2 years - 3.50/3.56%;
  • for 2–3 years - 3.45/3.57%;
  • for 3 years - 3.35/3.52%.
• terms and interest rates for ruble deposits when opened in a bank branch (from 400,000 rubles):
  • for 3–6 months - 3.75/3.76%;
  • for 6–12 months - 3.85/3.88%;
  • for 1–2 years - 3.65/3.71%;
  • for 2–3 years - 3.60/3.73%;
  • for 3 years - 3.50/3.68%.
• terms and interest rates for ruble deposits when opened in a bank branch (from 700,000 rubles):
  • for 3–6 months - 3.75/3.76%;
  • for 6–12 months - 3.85/3.88%;
  • for 1–2 years - 3.65/3.71%;
  • for 2–3 years - 3.60/3.73%;
  • for 3 years - 3.50/3.68%.
• terms and interest rates for ruble deposits when opened in a bank branch (from 2,000,000 rubles):
  • for 3–6 months - 3.75/3.76%;
  • for 6–12 months - 3.85/3.88%;
  • for 1–2 years - 3.65/3.71%;
  • for 2–3 years - 3.60/3.73%;
  • for 3 years - 3.50/3.68%.
• terms and interest rates for dollar deposits when opened through Sberbank Online (from $100):
  • for 3–6 months - 0.25%;
  • for 6–12 months - 0.55%;
  • for 1–2 years - 0.85%;
  • for 2–3 years - 0.95%;
  • for 3 years - 1.05%.
• terms and interest rates for dollar deposits when opened through Sberbank Online (from $3,000):
  • for 3–6 months - 0.30%;
  • for 6–12 months - 0.60%;
  • for 1–2 years - 0.95%;
  • for 2–3 years - 1.05%;
  • for 3 years - 1.15%.
• terms and interest rates for dollar deposits when opened through Sberbank Online (from $10,000):
  • for 3–6 months - 0.30%;
  • for 6–12 months - 0.60%;
  • for 1–2 years - 0.95%;
  • for 2–3 years - 1.05%;
  • for 3 years - 1.15%.
• terms and interest rates for dollar deposits when opened through Sberbank Online (from $20,000):
  • for 3–6 months - 0.30%;
  • for 6–12 months - 0.60%;
  • for 1–2 years - 0.95%;
  • for 2–3 years - 1.05%;
  • for 3 years - 1.15%.
• terms and interest rates for dollar deposits when opened through Sberbank Online (from $100,000):
  • for 3–6 months - 0.30%;
  • for 6–12 months - 0.60%;
  • for 1–2 years - 0.95%;
  • for 2–3 years - 1.05%;
  • for 3 years - 1.15%.
• • for 3–6 months - 0.05%;
  • for 6–12 months - 0.20%;
  • for 1–2 years - 0.50%;
  • for 2–3 years - 0.60%;
  • for 3 years - 0.70%.
• terms and interest rates for dollar deposits when opened at a bank branch (from $3,000):
  • for 3–6 months - 0.05%;
  • for 6–12 months - 0.25%;
  • for 1–2 years - 0.60%;
  • for 2–3 years - 0.70%;
  • for 3 years - 0.80%.
• terms and interest rates for dollar deposits when opened at a bank branch (from $10,000):
  • for 3–6 months - 0.05%;
  • for 6–12 months - 0.30%;
  • for 1–2 years - 0.65%;
  • for 2–3 years - 0.75%;
  • for 3 years - 0.85%.
• terms and interest rates for dollar deposits when opened at a bank branch (from $20,000):
  • for 3–6 months - 0.10%;
  • for 6–12 months - 0.40%;
  • for 1–2 years - 0.75%;
  • for 2–3 years - 0.85%;
  • for 3 years - 0.95%.
• terms and interest rates for dollar deposits when opened at a bank branch (from $100):
  • for 3–6 months - 0.10%;
  • for 6–12 months - 0.40%;
  • for 1–2 years - 0.75%;
  • for 2–3 years - 0.85%;
  • for 3 years - 0.95%.

For deposits opened by pensioners, the maximum rate is set for the selected period, regardless of the deposit amount. The deposit can be freely replenished, but withdrawing money before the expiration date, in whole or in part, is not allowed.

Advice: find out which financial institutions today.

How to calculate the profitability of a deposit?

Calculating interest according to bank terms is not always easy. The standard formula provides for a fixed amount of accrued interest and a deposit amount that does not change throughout the entire period. The calculation is made as follows: deposit amount * duration of the deposit * agreed percentage. For example: deposit amount - 100,000 rubles, time - six months, interest rate - 10% per annum. As a result, we get: 100,000 * 0.5 * 10% = 5,000 rubles of income.

Formula for deposit profitability with capitalization includes several more conditions. After all, now it is necessary to take into account the fact that the size of the deposit and interest increases slightly for each period of their accrual. In this case, you should calculate as follows: N*(1+P*d/D/100)n-N, Where

• N – initial deposit size;
• P – interest rate;
• d – calendar days after which new interest is accrued (usually 30 or 31 days);
• D – 365 or 366 days a year, depending on the current year;
• n – how many times interest will be accrued (if the capitalization period is 30-31 days, then this number will be 12).

Common mistakes when choosing a deposit

Typical majority opinions can sometimes lead to unpleasant situations. Banks try to play for maximum benefit from clients, so clients should be careful when choosing favorable conditions for themselves. After all, they are good for the bank and bring profit in any variations provided.

First mistake. The proposal looks noticeable and is better than others in all respects. The interest rate is significantly higher than the market average. This is a signal to take a closer look at the bank itself. A positive scenario: a big holiday is coming up and the bank is attracting new customers with similar promotions. Negative option: the bank is unreliable and could collapse at any moment. His plan of action is based on getting the maximum benefit from clients who want the same - big money in a short time. Then such organizations declare bankruptcy, and investors lose everything.

Advice: check each bank for presence in the Deposit Insurance Agency system. This organization returns citizens' deposits in the event of bank liquidation. Initially, dubious structures, as a rule, are not associated with it. You can also see on the AKB website which banks have already been liquidated or are in the process of being liquidated.

Second mistake. You choose maximum term deposit because it pays the most interest. The pitfall is that today the ruble exchange rate is not tied to the price of oil. Its fall and rise are impossible to predict. In case of sudden weakening national currency banks will raise new interest rates, leaving existing deposits at the same level of payments. As a result, early termination of the contract will return you significantly less money, and without it it is impossible to transfer to new deposit conditions.

Advice: If you want to take the maximum term, take the average one. Preferably with interest capitalization. The deposit period should not exceed one year.

Third mistake. The terms of the deposit provide a huge number of possibilities: withdrawal and replenishment of the account at any time, capitalization of interest and much more. Please note the bet: it is clearly not the maximum. The presence of some advantages eliminates others.

Advice: Before opening a deposit, set your priorities. Is interest capitalization so important to you? What about monthly withdrawals? Will it really be necessary to withdraw some of the invested funds ahead of schedule? Based on the responses received, choose a bank only with those additional offers that you really need.

Fourth mistake. Ignoring the achievements of civilization. Most large banks are transferring their services to an online format. There are even banks that operate entirely on the Internet. As a result, it may turn out that if you open a deposit via the Internet, the interest rate will be significantly higher, and minimum contribution- lower than when opening in the office.

Advice: If you are concerned about the safety of your data, always check the address of the page you are on. At the top there should be either a similar icon with a padlock (see below) or the inscription https in green.

This means that communication channels are encrypted and confidential. also in monetary transactions two-factor authentication is used: without an SMS with an access code, you will not be able to deposit or withdraw funds.

Let's sum it up

Bank deposits – for individuals. When choosing terms, you should not always be tempted by a high interest rate. Best to check the market similar proposals and invest in a deposit on conditions corresponding to the highest level of offers. To avoid the risk of losing money, do not trust banks you have never heard of before.

Also, initially decide what you want to get from the deposit. Additional income guarantees capitalization of interest. Choose realistic dates in which you definitely won’t need this money. Early termination of the contract with the bank risks paying much less money than was specified in the contract.

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 investment 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 main task save your savings. In order to choose the most profitable investment, at the first stage it is necessary to determine the reliability of the commercial financial structure. The next step is to assess profitability, which depends on the annual deposit rate, 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 purpose of the deposit - to receive short-term income or to steadily accumulate cash with additional account replenishment. It is more profitable for bankers to deal with a client who invests funds for a clearly defined period. This provides an opportunity banking institution plan your credit and financial operations for the same long periods.

How to choose the most profitable deposit

An insurance program is in place to protect citizens' money. bank deposits. 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, as they guarantee reliability when large amounts rubles 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 total amount 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 amounts investments. 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. At large sums investments 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 most high stakes. Dollar and euro more stable currencies are attracted at a lower interest rate. It is worth noting that currency differences greatly affect additional conditions on 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 gain access to his deposit account and use the money as you wish. 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 nominal 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?

Our experts' research has shown that large percentage Bank Development offers 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 rate 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 investors, the most favorable deposit offered by 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 additional bank commissions for transferring money to accounts, conversion.

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

Profitable deposits in foreign currency

We have reviewed the most profitable investment in foreign currency from Development Bank, but high-interest deposits are offered large investors. Average yield in foreign currency across 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, new president The United States, 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 divisions located in Moscow has launched the “Super Deposit” program for the most profitable deposit with annual return 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.

Ural Interregional Bank offers to deposit from 10,000 rubles to 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" in National Bank Trust 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 program "All inclusive - maximum income online" 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.

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Which bank has the most profitable terms on deposits and a high percentage of the deposit