What will happen to the rates on deposits in Moscow banks. What will happen to the rates on deposits in Moscow banks Maximum rates in some banks

Which bank to choose in 2014 in Moscow for investing funds? Where is the highest percentage? Are short-term deposits profitable?

In connection with the events of the end of 2014, the interest rates of banks indicated in the materials below, in some way, have lost their relevance. But, general principles selection of proposals for deposits remained unchanged.

Tinkoff Credit Systems (data as of December 2014) interest on deposits - up to 20% in rubles and 6-7% per annum in USD and EUR

The choice of one or another deposit in the city of Moscow is influenced by the wishes of the clients. The purpose of using the savings instrument is very important: accumulation or calculation. Of course, there is more choice in the center of Russia than in the regions, for example, in Ufa, so the consumer is guided not only by high deposit rates, but also by related bonuses. The more functionality of this or that deposit, the more big bet appoints the bank on it. All contributions can be divided into the following groups:

• Savings - according to them, the bank prohibits withdrawing and replenishing the account balance;
• Accumulative - according to them, the bank allows only replenishment of the account balance;
• Cash - their bank allows you to replenish and withdraw money from them.

What is the highest percentage of bank deposits in 2014? If you calculate the value of the rate based on the amount of funds invested, then a high percentage of the deposit is observed only in advertising offers. Short-term deposits do not allow you to make good money at all.

For ordinary residents Russian Federation bank deposits remain the only way to accumulate money. Everything is accessible and understandable here, no special knowledge of money account management is required. In this case choose better contributions with capitalization. The highest interest on the deposit in 2014 has deposits that are urgently replenished, do not have the ability to withdraw part of the savings, every month the interest is capitalized. The compound interest formula is applied here.

To give your money to the bank, you should first carefully study all the offers that are on the market in 2014 and calculate.

Russian standard

Russian Standard Bank has various offers, the most advantageous of which are:

• Winter's Tale - the calculation of income for such a deposit is 10.5%. Payment is carried out at the end of the term of the deposit. Russian Standard carries out registration from November 23, 2013 to January 31, 2014. During the term of the deposit, you can increase your savings. The placement period is extended automatically. The interest depends on the account balance.
• High percent- the income is equal to 9.25%. The term is calculated with an accuracy of one day. Russian Standard raises the rate with increasing savings.
• Rentier - the calculation of the deposit rate is 8.25%. Russian Standard makes permanent payments or capitalization. The compound interest formula is applied here. Income grows with additional investments. The client chooses the method by which the percentage is transferred: every quarter or every month.
• Pension Plus - the calculation of the highest profit on this deposit by Russian Standard is 9%. The storage period of the deposit is indicated with an accuracy of one day. Income grows with replenishment, the compound interest formula works. The interest is paid regularly, there is also the opportunity to get a free bank card.
• Convenient - the amount of profit can be up to 8.75%. The deposit can be regularly replenished, you can withdraw part of the money from the deposit. The value of the minimum balance Russian Standard allows you to choose at the conclusion of the contract.
• Fabulous investment - available from October 4, 2013 to March 31, 2014. The profit calculation reaches 13.5%. Russian Standard places money simultaneously on a deposit and on a mutual fund. The amount of profitability is made up of the term, amount and share in the mutual fund.

Rosselkhozbank

Rosselkhozbank also works with individuals on deposits, among the offers in Rosselkhozbank for placing deposits are the following options:

• Classic - the interest grows with the increase in the term of the deposit, their value can reach 10.75%. The deposit cannot be replenished. Rosselkhozbank requires a minimum first investment of 3,000 rubles. Withdrawal is prohibited.
• Cumulative - the calculation of income increases in proportion to the term of the investment, it can go up to 8.4% per annum. You can replenish your account, you cannot withdraw partially. The most large sum the deposit should not exceed 1,500,000 rubles.
• Managed - the calculation of profit increases with the growth of the investment period, its size can reach up to 7.1%. Savings Rosselkhozbank allows replenishment and withdrawal up to the minimum balance. The deposit limit is 1,500,000 rubles.
• Gold pension - the interest grows with the extension of the placement period, reaching 8.25%. The Rosselkhozbank allows you to replenish the deposit, but not to partially withdraw money from it. The amount of investments is a maximum of 3,000,000. The formula for compound interest works.
• Pension Plus - the calculation of profit reaches 8.15% and depends on the investment period. Rosselkhozbank allows replenishment and withdrawal of part of the savings to the minimum balance. The size of investments should not exceed 3,000,000. The formula for compound interest works.
• Child - the profit can be maximum 9.15%, depending on the period of placement. The Rosselkhozbank allows to increase the savings on the account. The compound interest formula works. You cannot withdraw part of the money from the deposit. Maximum size investments - 5,000,000.
• Gold - the maximum yield is 10.75%. Rosselkhozbank prohibits replenishment and withdrawal of part of the savings. The amount of the deposit is unlimited.
• Platinum - Maximum yield 7.45%. Rosselkhozbank allows replenishment and withdrawal of funds from the account. The amount of investments should not exceed five times the amount of the initial placement.
• Managed plus - the maximum return on the deposit is 7.7%. You can replenish and withdraw. The amount of investments in this deposit with the Rosselkhozbank should not exceed three times the amount of the initial placement.

For the last three deposits, Rosselkhozbank requires a minimum of 1,500,000 rubles.

Sberbank

Sberbank offers its clients a large number of deposits, among them there are:

• Savings certificate from Sberbank - allows you to receive a high income compared to conventional investments. The rate is maximum 9.3%. Sberbank requires the minimum first investment - 10,000 rubles, the term - 91 days.
• Save from Sberbank - allows you to get maximum income. The profitability of the deposit is 7.76%. Sberbank requires a minimum first investment of 1,000 rubles. Investment term - 1 month.
• Top up from Sberbank - serves to create savings. Partial withdrawals are prohibited, but top-ups are allowed. Sberbank sets a storage period of 3 months. The rate is 7.26%. Contribution from 1000 rubles.
• Manage from Sberbank - created to use part of the funds from the account without losing income. Sberbank allows replenishment and withdrawal of funds from the account. Contribution from 30,000. Investment period - 3 months. The deposit rate is 6.68%.
• Give life from Sberbank - serves to help children with serious ailments. Replenishment from 10,000, storage period - 1 year, Sberbank gives a deposit rate of 6.56%.
• Multicurrency Sberbank of Russia - to receive income from speculation on currency pairs... Sberbank does not allow withdrawals. You can invest from 5 rubles. The storage period is 1 year, the rate is 6.21%.
• Savings account from Sberbank - created to be able to work with funds on the account. Sberbank allows you to withdraw and replenish an account, the rate is 2.3%.
• Profitable from Sberbank - the rate decreases over time. Up to one year of storage - 8%, after which it decreases to 3%. Contributions from 1000, term - 2 years.

Sberbank's network is the largest in Russia, so it is safest to keep savings in its accounts.

VTB 24

VTB 24 Bank offers next deposits for their clients:

• VTB 24 deposit The optimal choice - the placement period does not exceed 18 months. Top-ups VTB 24 accepts from 30,000. The rate calculation can be increased up to 9%. You can choose the method of payment of interest and the frequency. You can make additional investments and withdraw funds up to the level set by VTB 24.
• VTB 24 Deposit Maximum - the period for placing funds should not exceed 3 years. The calculation of the minimum amount of replenishment is equal to 250,000. Income can be equal to 7.25%. The interest is paid only at the end of the placement of the deposit. You cannot withdraw or replenish your account.
• VTB 24 deposit Freedom of choice - the deposit can be placed in euros. Accommodation period - up to 5 years. Top-ups from 15,000 rubles to 3,000 euros. The calculation of the maximum rate is 6.8% in rubles, 1.30 in euros. Rate plus capitalization (compound interest formula) - 7.52 in rubles and 1.33 in euros.
• VTB 24 Active - the deposit can be placed in euros. The period of placement cannot be more than 3 years. VTB 24 accepts top-ups from 15,000 rubles to 3,000 euros. The rate can be up to 6.3% in rubles and 1.15 in euros. Rate plus capitalization (compound interest formula) - 6.92% in rubles, 1.12% in euros.

Orientation in banking offers

If you calculate carefully, then from the proposals for deposits in different banks it is clear that the client should be guided by his goals, then he will find suitable conditions for himself. Short-term deposits do not always have low income, but most of them are low-profit.

Each person accumulates money for different purposes. However, many do not understand that keeping savings at home is not the best solution... Instead of generating income for their owner, they only lose their real value due to inflation. In addition, often people do not hold back and spend money. However, deposits in Moscow will help you not only save your finances, but also increase them in accordance with the agreement.

Today this product is a versatile investment tool. Unlike the stock market or precious metals you don't need special knowledge or constant analysis economic situation... You just find a suitable offer and sign a contract. At the same time, in most organizations there are no restrictions on the minimum contributions, and if they are, then they are small.

The contract itself is very important, therefore, before signing it, you need to familiarize yourself with the text personally. To do this, ask the bank employees for a sample in a printed or in electronic format and carefully read all points, especially those written in small print and marked with an asterisk. With the help of such tricks, unscrupulous organizations try to mislead a potential client and prescribe conditions that are unfavorable for him in the agreement.

Description of important points

The main advantage of the service, in addition to stable income, it is reliability. Consumer accounts are protected by the state at the legislative level through the program compulsory insurance... Therefore, in the event of liquidation or revocation of the license, you will be paid compensation. However, it is limited to 1.4 million rubles, which does not prevent you from dividing the amount exceeding this limit and placing it in several organizations, eliminating various risks.

The next aspect that we will look at is account types. The first one is urgent. In this case, you place funds for a certain period of time. Of course, you have the right to apply for an early withdrawal, however, with a high probability, the bank will refuse to pay the accrued interest. At the same time, this type of deposit is divided into savings and accumulative, which is provided for periodic replenishment (people call it a "piggy bank").

The second option - on demand - comes at a low rate. The point is that it is unprofitable for an organization to keep finances at home, knowing that the owner has the right to demand their return at any time. Such a product is preferred by that category of customers for whom the fact of reliability is enough, and they are not interested in potential profit.

Online Assistant

On the site you will find products that are currently on the market. Here you can find reliable information that our specialists check and update on a daily basis. By comparing services according to their main parameters - and this is the interest rate, the cost of opening and the commission, you can make the right decision, and the ratings section will help you in choosing an organization. the site is the largest financial supermarket on the Runet, which has been successfully operating for over ten years. All offers displayed on this page are the best or profitable exclusively in the opinion of Banki.ru experts.

The placement period is one year, the principal amount of which, together with the accrued income, is covered by the insurance indemnity. Therefore, the rating includes deposits with an amount of placement up to 600 thousand rubles. *

The top three were classic savings deposits (partial withdrawals and replenishment are prohibited, and interest is charged at the end of the term). Two of them are seasonal, that is, they are introduced by banks into the deposit line for a limited period. All this partly determines such a high level of interest rates.

In the first place in the rating is the "Holiday" deposit from Milbank: 12.5% ​​per annum. It can be opened until June 20 for an amount of 300 thousand rubles. The second line was taken by "Yubileiny" from Interprogressbank with a rate of 12.4% and a threshold amount of entry from 40 thousand rubles, upon opening which the depositor is issued a bank Visa card Gold with free service during the term of the deposit. And the top three is closed by the seasonal offer, which expires on May 24, - "Peysakh" from the Bank "Strategy": 12.15%. A deposit can be made only at the Menorabank additional office in the amount of 30 thousand rubles or more. Automatic renewal is provided.

An alternative to this deposit can be "Urgent (at the end of the term)" of Krosivestbank with a similar rate of 12.15%, but for an amount of 200 thousand rubles or more. In terms of its functionality, it belongs to accumulative deposits. Such deposits can be replenished during the storage period. However, most often banks stop taking additional contributions, in this case 60 days. Partial withdrawal operations on the "Urgent (at the end of the term)" deposit are prohibited. Allowed early dissolution on the preferential terms and one-time auto-rollover.

The essence accumulative deposits lies in the fact that the conditions of the product encourage the depositor to accumulate by means of additional contributions, increasing the principal amount of the deposit, on which interest is subsequently accrued. For those who do not intend to withdraw interest during the term of the deposit, it is reasonable to open deposits with capitalization, since the effective interest rate on them is higher than the nominal one. Moreover, the more often the capitalization of interest occurs, the higher the yield on the deposit. Therefore, other things being equal (amount, term and rate), it is more profitable to choose just such deposits. If you are interested in disposing in cash, then you can stay on a deposit with the condition of monthly or quarterly interest payments.

Unlike savings and savings settlement deposits, for which expense transactions are provided, were not included in the rating: rates on them, as a rule, are lower.

Special attention should be paid to seasonal deposits. In addition to the fact that, as already mentioned, they have the highest profitability, depositors are often waiting for gifts as well or promotions with a prize drawing.

The Banki.ru portal together with a number of banks has developed for its visitors Special offers for the most profitable deposits. By submitting an online application from the site, the user receives a bonus in the form high rates... Two special offers at once got into the current rating: “High income” from Flexinvest Bank and “Leader” from “Russian Credit”. Both deposits are opened at 11.8% per annum. Banks have provided for the possibility of early withdrawal of funds on favorable terms, at rates of 10.55% and 11%, when the money is in the deposit for nine months. " Russian Credit»Depending on the amount of investment, he gives gifts to customers: a blender, a juicer, an airfryer, a multicooker and a TV set.

Traditionally, products of banks registered in the Moscow region are selected for the rating. However, the special offer of the Tyumen bank "Yugra" has conditions that are the same for all regions of presence credit institution, therefore deserves participation "out of competition". "My victory +" is a classic savings deposit... It is characterized by high interest rate, which is 12.25% per annum and is in the upper limit of the rates of the current rating. At the request of the client, when opening a deposit, he receives a Gold card of the international payment system MasterCard no issue fee and first year of service.

The review was compiled on the basis of information as of May 21, 2013 on the basis of the Bank.ru database on deposits individuals, in which there are about 5 thousand proposals from more than 600 credit institutions.

* The rating did not include special deposits with special restrictions, that is, for certain categories of clients, as well as combined deposits - those that involve participation in insurance and investment programs.

Ekaterina PESHKOVA, Marketing and Analysis Group banking services information portal Banki.ru

The Deposit Insurance Agency predicts the growth of deposits in 2014 at a rate of 20% -22%. At the end of the first half of 2013, the forecast was 17% -19%, which indicates that the population is actively placing their funds in banks, and the number of placed deposits will continue to grow. Today in the article we will look at:

Forecasts for deposits for 2014

Bank promotions and special offers

Maximum rates for some banks

Reasons for the increase in the volume of deposits

According to the Central Bank of the Russian Federation, as of August 1, 2013, the volume of deposits reached 15.796 trillion. rubles. In annual terms, the volume of deposits increased by 9.7%. The share of deposits on demand and for a period of 1 month is 18% of the total. Deposits with maturities from 31 days to a year decreased by 0.8% and their share is now 20.5%.

The number of deposits for a period of 1 year or more remained at the same level - 61.5% of the total. The share of deposits in rubles is 4.6 times higher than in foreign currency. Analysts predict an increase in the deposit portfolio in 2014 by 17% -19% compared to 2013.

The volume of deposits will increase one-time, which is explained by the outflow large sums from abroad. Because of the crisis in Cyprus, wealthy Russians prefer to transfer their savings to domestic banks.

Another reason for the increase in the volume of deposits is in the law prohibiting civil servants from having accounts in foreign banks... Due to this, the increase in deposits in the first half of 2013 was higher than in the entire 2012. In 2014, the growth of deposit accounts and the outflow of funds from abroad to Russian banks will continue.

Such a high increase in deposits allows banks to avoid applying incentive measures and keep rates at minimum levels. As long as the population will actively deposit funds into deposit accounts, interest rates will not grow. On the other hand, if rates continue to decrease next year, this may affect the volume of the deposit portfolio.

Reasons for the rate cut

Decrease in rates on deposits has been observed for eight months, and according to the data The central bank RF today average rate is 9.02% per annum - this is the lowest rate since the beginning of 2013. Back in August, its value was 9.05% per annum.

In addition to a large inflow of funds from abroad, the reason for such a decrease in rates for individuals will be an increase in insurance compensation up to 1 million rubles, a decrease in activity in the credit market and a decrease in inflation indicators.

As of September 1, the increase loan portfolio unsecured loans accounted for 37.3%, while a year ago - 59.7%. Given that banks must maintain a balance between the growth of assets and liabilities, they are not so interested in attracting funds from the population.

Contributions to the insurance fund from banks depend on the size of rates, therefore, in the absence of reasons to stimulate the population, it is unprofitable for them to raise interest rates on deposits. After all, an increase in insurance compensation becomes an additional incentive for investing free savings in a deposit account.

The Central Bank began to take an active part in regulating deposit rates. If earlier his actions were limited to recommendations, then in the near future it is expected that written instructions will appear that are binding on banks.

Increase in deposits for Last year

In addition to the size of the interest rate, depositors pay attention to the conditions offered by the bank on deposits. A combination of such factors as the possibility of withdrawing funds or replenishing the deposit, the term and the possibility of capitalizing interest is of great importance.

Monitoring of the profitability of deposits showed that the level of interest rates on deposits in leading banks in October did not exceed 8.71% per annum, while in small financial institutions you can find a rate of up to 12% per annum. However, for many depositors, when choosing a deposit, the priority is not the size of the rate, but the reliability of the bank. The increase in deposits in large banks remains at high level, even despite the low level of rates.

For example, in Sberbank the increase in deposits over the past 12 months amounted to 18.6%, in VTB 24 - 27.5%, in Alfa-Bank - 29.9%, Home Credit Bank - 81.4%, in Russian Standard - 60.88%, Bank of Moscow - 29.8%. Of interest is also the data of Eurokommerts Bank, which does not belong to the leading banks, but pursues an active policy of increasing its deposit portfolio. Over the past year, we have seen an increase in bank deposits of 116.9%. The bank achieved such a rate of increase in volumes due to the fact that it surpassed even the most profitable deposits offering up to 11.95% per annum.

Promotions and special offers

An important role in choosing a deposit is played by a variety of promotions and special offers that allow attracting the investor's attention. For example, URALSIB Bank with base rate 5.8% -10% per annum gives to clients debit card, and the bank "Narodny Credit" at a rate of 5% -10% per annum offers credit debit card with free service and overdraft.

Bank Eurokommerz has a deposit with increased rate up to 11.95% per annum (program "Autumn Marathon"), and in the bank "Zerich", in addition to increased interest (up to 10.8% per annum), under the program "Bastion" you can get a gift of chocolate or a blanket.

Raiffeisenbank offers customers who have made any deposit before the end of November, a certificate that can be exchanged at the Valtera store for a silver pendant or club card with 5000 bonuses on the account. You can receive a gift on the territory of Moscow, the Moscow region and St. Petersburg until December 10, 2013.

"Military-Industrial Bank is holding a campaign for depositors who have made a deposit under the program" Maximum income»Until January 31, 2014 and for a period of 1 year. If the amount of the deposit exceeds 50,000 rubles, then as a gift you can choose a radiotelephone, travel iron or clock-receiver; from 99,000 rubles - tonometer, glucometer, stereo radio; from 150,000 rubles - DVD-player with karaoke, vacuum cleaner or floor heater; from 350,000 rubles - multicooker, microwave oven, camera; from 699,000 rubles. - LCD TV 26 inches, electric grill or netbook; from 1.5 million rubles - iPhone or Samsung tablet; from 3 million rubles - iPad tablet or LCD TV 46/47 inches.

Contributions from additional features

The optimal rate of return on deposits with additional opportunities is noted in Russian Standard Bank, which offers the Russian Standard - Convenient Online program with an interest rate of up to 9.5% per annum and the ability to withdraw funds and replenish an account.

Rosbank pays up to 8.2% per annum on the "Multicurrency" deposit. Taking into account what is provided partial withdrawal and replenishment of funds, then this deposit is one of the most profitable.

In Sberbank on the "Manage" deposit with the possibility of withdrawing and replenishing funds, the interest rate reaches 5.7% per annum. This program remains one of the most demanded deposits in the market.

At the Bank of Moscow, you can apply for the Maximum Comfort deposit, which allows you to manage your savings. At the same time, the rate reaches 7% per annum, and interest is paid monthly or capitalized, which allows you to increase profits.

Maximum rates in some banks

Below we will analyze deposits in banks, which are especially popular with depositors, and define programs with maximum interest rates for each bank.

Sberbank

The maximum income can be obtained on the "Growing" deposit, where the interest rate reaches 8.5% per annum. However, the amount of the deposit must be at least 1,000,000 rubles, and the term must be from 546 days. The "Save" deposit allows you to receive income up to 7.76% per annum with interest capitalization for 3 years and with an amount of 2,000,000 rubles or more. Under the "Save Online" program, income reaches 8.07% per annum, subject to capitalization of interest for a period of 3 years and with an amount of 2,000,000 rubles or more.

VTB 24

The maximum rate is valid under the Optimal Choice program for a period of 18 months and in the amount of 3000 rubles or more. It is possible to make additional contributions and capitalize interest, which increases the income on the deposit.

Renaissance Credit

The "Profitable" deposit allows you to get profit up to 10.5% per annum for a period of 367 days and an amount of 5000 rubles. Replenishment and withdrawal of funds is not provided.

Tinkoff Credit Systems

The interest rate under the Smart Deposit program reaches 10.25% per annum for a period of 12 months, with the possibility of capitalizing interest and in the amount of 30,000 rubles or more.

Russian Standard Bank

Offers a deposit "High Interest" with a rate of up to 9.25% per annum for a period of 360 days and an amount of 300,000 rubles or more. Replenishment of the deposit is possible. Depositors who have drawn up an agreement at a branch receive a MasterCard bank card as a gift.

Under the Pension Plus program, the interest rate is 9% per annum for an amount of 100,000 rubles and more and for a period of 360 days. During the entire period, it is possible to replenish the account, and when you move to the next threshold amount, the rate increases. A MasterCard is issued as a gift.

Eurokommerts Bank

This bank traditionally offers a line of deposits with a high interest rate, which can go up to 11.5% (for regular programs) and 11.95% (for VIP-deposits) per annum. The bank also offers the "Caring" deposit for pensioners - up to 11.65% per annum, minimum amount from 2000 rubles.