The best deposits for individuals. Deposits high rates. Deposit for reserve accumulation
It may take a long time to view all the profitable offers in Moscow banks. On the official websites of banks, there is no way to compare deposits with offers from other organizations. Therefore, to search, it is better to use a service that helps you quickly get acquainted with the full list of options and their main conditions. A large selection of available deposits provides an opportunity not only to choose the option with the most favorable interest rate, but also to choose optimal parameters storage of funds.
The "Deposits of the month" section allows you to quickly view the top products in Moscow with a high interest rate and a minimum down payment. Among them there are options with the possibility of replenishment and early withdrawal of the entire amount or part of it.
Benefits of our service
A convenient filter has been created on the site, which makes it possible to quickly and easily view all the profitable deposits available for registration in your city, as well as get an impression of the reliability and safety of working with a particular bank.
You can find the best offer in Moscow by one or several parameters at once. To do this, you can specify in the filter:
- the minimum amount;
- currency;
- term of the deposit agreement;
- additional opportunities to use the deposit.
The results of the issuance are arranged according to one of two possible principles - an interest rate or a rating. The rating is calculated automatically by our website, taking into account the main characteristics of the convenience and security of working with the bank, such as:
- profitability of the deposit;
- the reliability of the bank;
- availability of additional options;
- availability.
These characteristics give an idea about the bank even before you start working with it. You can independently set the sorting principle and quickly find the information you need on any of the products presented on our website.
Current offers
In the list of issuing current offers at the moment, the maximum interest and terms of cooperation are as follows:
- interest rate - up to 10.25%;
- the minimum deposit amount is from 1,000 to 500,000 rubles;
- storage time - from one year to three years.
Among available options there are in rubles, dollars and euros, offers for pensioners, as well as deposits with the possibility of replenishing the account and extending the term of the contract.
Stay up to date
If none of the existing products in Moscow suits you, you can subscribe to our newsletter. Information about all new and current deposits, including short-term promotional and seasonal offers with favorable conditions, as well as the latest news and reviews of the economic situation in Russia and the latest developments in the banking market will be regularly sent to the e-mail address you specified. This will allow you to be one of the first to make a suitable deposit. In order to subscribe, just enter your e-mail in the appropriate field.
Content
To be able to earn good money is a great art, but more importantly, to keep it and increase it. Paper money hidden in a secret place depreciates over time and loses its purchasing power. Investors with experience know that in order to grow savings, it is necessary to create an investment portfolio. Money should be placed in different financial institutions under different deposit programs and interest, and in such operations the most profitable deposit is accompanied by increased risks.
What does a profitable bank deposit mean for individuals
A wide range of deposit offers and shares, the difference in interest rates, parameters and terms of placement should not distract from the main task of maintaining 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 the assessment of profitability, which depends on the annual deposit rate, capitalization period and the possibility of replenishing the deposit account. Many depositors require the freedom to withdraw their funds at their convenience.
The purpose of the deposit
To choose the right deposit program, decide on the amount you want to invest and the period after which you will need this money. These initial data make it possible to determine your purpose of the deposit - to receive a short-term income or to accumulate steadily cash with additional top up. It is more profitable for bankers to deal with a client who invests money for a clearly defined period. This provides an 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, there is a bank deposit insurance program. In case of loss by the bank of the money invested by the borrower, compensation is made in the amount of 1,400,000 rubles per deposit. Given this amount, it is worth making investments in several banks. Choosing the most reliable of them will simplify the solution of the problem of depositing a large amount. The population of the country, workers and pensioners have the opportunity to compare the services of banks, and choose 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 the additional deposit of cash, commissions differs from the nominal one. Large financial institutions do not offer the highest yield, as 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 depositors.
Interest capitalization
Let's say you made your first deposit for 3 months. After the end of this period, 0.25 of the annual interest rate for the selected deposit program is credited to your deposit. 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 the received profit. A simple calculation shows that the shorter the capitalization period, the greater the final income at the end of the deposit period. The term of capitalization varies from 1 month to the full period of the deposit.
Deposit amount
Russian legislation does not limit the minimum and maximum amounts of investments. With small deposits, it is worth using the amount of compensation for their insurance for calculation. The probability of bank failure in the era of global global crisis remains high. With large amounts of investments, from 10 million and above, it is worth choosing reliable institutions. The amount of the deposit directly affects the interest rate. The higher the minimum threshold for entering 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 stakes. The dollar and the euro are more stable currencies attracted at a lower percentage. It is worth noting that the difference in currency greatly affects the additional conditions for deposits. For the dollar or euro, 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 foreign exchange programs.
Possibility to replenish the deposit
Some profitable deposit agreements make it possible to replenish your account at any time. There are programs under which you can only add funds after a certain period of time. The scheme for making replenishment of the deposit account is a quarterly table, which describes the change in the interest rate. This change looks like a ladder with 0.5-1% steps, with the highest rate in the 1st quarter and the lowest in the last. There has been a widespread ban on replenishment in recent months.
Interest withdrawal
The term of the deposit specified in the deposit contract determines the time after which the depositor has the opportunity to gain access to his deposit account and dispose of the money at his own discretion. In the case of monthly capitalization of interest, 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
|
Name |
Program |
||
|
"Savings account" |
|||
|
Rosselkhozbank |
"Investment" |
||
|
"Maximum Online" |
|||
|
Moscow credit bank |
"All inclusive - maximum income online" |
||
|
Opening |
"Extra Bonus" |
||
|
Promsvyazbank |
"My income (online)" |
||
|
Gazprombank |
"Perspective" |
||
|
Alfa Bank |
"Accumulation" on demand |
||
|
Sberbank |
"Save OnL @ yn" |
Which bank is the most profitable in terms of deposits
A study by our experts showed that the Development Bank offers a large percentage of deposits. The rate on ruble deposits of the Premium program for 12 months depends on the amount of the deposit. 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 capitalization is made at the end of the term with the possibility of replenishment. Attractive annual rate for other currencies. With an amount of 5 million dollars or euros, the rate is 7%.
The highest interest rates on deposits today
The table shows profitable deposits of Russian banks.
|
Name |
Program |
||
|
"Your pension" effective rate |
31 to 744 days |
||
|
Rocketbank |
Early termination rate 0.1% per annum |
||
|
Sovcombank |
"Maximum income" for a period of 90 to 181 days |
||
|
Crocus Bank |
"Urgent-360 (% at the end of the term)" |
||
|
Confidence |
"Golden time!" replenishment 90 days |
||
|
Eastern Express Bank |
"VIP deposit" monthly interest |
||
|
"Deposit No. 1" with capitalization |
Up to 735 days |
||
|
Baltinvestbank St. Petersburg |
"Absolute CHAMPION+" |
272-366 days |
|
|
Bank Master Capital |
"Savings" |
From 30000 rub. |
|
|
Bank Zenith |
"Urgent Premium" |
From 5 million rubles |
Profitable deposits in rubles
Given the availability for most depositors, the most profitable deposit is offered by the Asia-Pacific Bank. At the entrance from 125 thousand rubles under the programs "Future" and "Investment" the rate is 10.5%. The second most popular program "Katyusha" provides for 8.8% per year. Unicredit on deposits offers a yield in rubles - up to 9.8% per annum, in dollars - up to 3.23% and up to 1.18% - in euros. The deposit "Maximum" of Inbank will bring 9.38% per year with 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 deposit 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 analyze the effectiveness of your investments. The final income and the resulting interest rate differs from nominal and promotional offers. It is necessary to take into account additional bank commissions for transferring money to accounts, conversions in the calculations.
It is worth considering the possibility of investing part of the free funds in different currencies, in gold and other precious metals. AT last years, the largest banking structures of the world choose bitcoin as a reserve currency. Competent financial reviews of analytical sites will help you choose the best 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 have considered the most profitable deposit in foreign currency from Development Bank, but deposits with a high interest rate 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, accessibility, the most profitable deposit from Alfa-Bank Pobeda + with a rate of 1.97% per annum in dollars is attractive.
The effective deposit income rates for the dollar are higher than for the euro. The European currency under the influence of the geopolitical problems of Europe, in recent years, shows its instability. Change in progress political elites The European continent, the new US president, the growing tension between the superpowers, 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 the maximum percentage
The best deposit rates are offered by Moscow banks. BCS, with amounts from 500,000 to 1,000,000 for clients who have concluded DCBO in subsidiaries located in Moscow, launched the Superdeposit program, the most profitable deposit with an annual yield of 9.3%. Absolut Bank with the Progressive Income deposit will raise 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 prolongation of the contract for 730 days.
The 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%. In Center-invest Bank, the project "Urgent for 1 year with auto-prolongation" at 8.3% from 15 million rubles. "Own people" in the National Bank "Trust" will receive 8.85%.
The deposit “Maximum Interest (online)” of BinBank provides for a rate of 8.5% from six months, but with interest paid at the end of the term. Under the All Inclusive - Maximum Online Income program of the Moscow Credit Bank, 7.75% is charged on cash contributions from 185 days with a monthly capitalization. Credit Europe Bank offers the "Optimal +" deposit at 8.75% with a monthly income payment, and "Rentier" at 8.6%.
On June 2, 2019, Moscow Industrial Bank launched the Spring Traditions program with an interest rate of 8.38% per annum with a minimum start of 30,000 rubles for a period of 360 days. The main characteristics are the payment of income and capitalization quarterly, preferential termination, replenishment in periods with a "ladder" yield from 9.5 to 7%. The "Tradition of Success Maximum" offered by Promsvyazbank provides an income of 8.8% per annum in rubles. The "Investment" deposit will bring 8.6% with terms of 180 days with replenishment, capitalization and preferential termination.
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Which bank has the most favorable conditions for deposits and a high percentage of the deposit
In the largest city of Russia - Moscow - the maximum number of banks is represented: according to various sources, from 450 to 470, including representative offices and branches of regional financial and credit institutions. The investment options he offers are simply enormous. If you look for high-interest deposits in Moscow banks today, the first 20 banks are not necessarily the largest institutions. They just give a yield slightly below average, since they have sufficient capital for investment. But smaller organizations actively involve customers by offering interesting offers and various options for investing funds.
Which bank should be preferred
Naturally, you should not go to the first bank that offers a sufficient percentage. It should be analyzed in at least several ways:
- founders and partners - it may well turn out that "at the helm" are people who are hardly worth trusting;
- the financial condition of the bank - it can be traced from the reports published on the website of the Central Bank, pay special attention to the ratio of assets and liabilities, profit received for the reporting period and the size of the authorized capital (the more the better);
- position in international and national ratings, including "people's" (on the sites banki.ru or sravni.ru);
- availability of insurance - if the deposits are insured in the DIA, then nothing threatens the client's funds when the license is revoked from the bank.
You should not look only for profitable deposits in Moscow banks today - you need to pay attention to their features that will help you draw up the right investment strategy:
- term of the deposit;
- whether early withdrawal is possible and under what conditions;
- interest payment procedure;
- the presence or absence of capitalization;
- the possibility of replenishment;
- does the interest increase with an increase in the amount of savings, etc.
The highest rates on deposits in Moscow banks today: the first 20
Among the many banks in the capital, 100 of the largest were selected, and 20 of the most profitable were selected from the deposits offered by them. Other selection criteria:
- currency - ruble;
- the minimum amount is 100,000;
- term - not less than 1 year.
These parameters helped to choose the highest rates on deposits in Moscow banks today, which are listed in the table (if one bank offers two or more deposits, the most profitable one was included in the rating).
| Name of the bank | Name of deposit | Bid | Minimum amount | Interest calculation procedure | Replenishment | Withdrawal |
|---|---|---|---|---|---|---|
| Tauride | Festive | 12.3 | 50000 | Monthly, capitalization | Yes | Not |
| Novikombank | Favorite | 12.25 | 10000 | At the end of the term | Not | Not |
| International Bank of St. Petersburg | Capital | 12.2 | 50000 | At the end of the term | Not | Not |
| Promsvyazbank | Premium | 12 | 3 | At the end of the term | Yes | Yes |
| Vanguard | passbook | 12 | 100000 | At the end of the term | Not | Not |
| BFG-Credit | Loyal | 11.75 | 100000 | At the end of the term | Yes | Not |
| BFA bank | Contribution #1 | 11.25 | 30000 | Monthly, capitalization / withdrawal to the account | Not | Not |
| Peresvet | Rational | 11.2 | 30000 | At the end of the term | Yes | Yes |
| Transcapitalbank | Growth time. Spring | 11.16 | 20000 | Quarterly | Not | Not |
| Globex | Accurate calculation online | 11.15 | 100000 | At the end of the term | Not | Not |
| Trust | Our people | 11.1 | 30000 | At the end of the term | Not | Not |
| Investtorgbank | Fabulous Percentage | 11.07 | 50000 | Quarterly | Not | Not |
| Credit Bank of Moscow | All Inclusive Online | 11 | 1000 | At the end of the term | Not | Not |
| Credit Europe Bank | Urgent | 11 | 3000 | At the end of the term | Not | Not |
| MetallinvetBank | Maximum income | 11 | 10000 | At the end of the term | Not | Not |
| Uniastrum Bank | Large percentage | 11 | 20 000 | At the end of the term | Not | Yes, within the minimum |
| Finprombank | My conditions | 11 | 30000 | Monthly, capitalization | Yes | Not |
| Military Industrial Bank | spring story | 11 (growing) | 50000 | At the end of the term | Yes | Not |
| Center-Invest | grow big | 11 | 50000 | Annual capitalization | Yes | Not |
| Education | Base | 11 | 100000 | At the end of the term | Not | Not |
TOP-50 foreign currency deposits in Moscow banks at the maximum percentage
In connection with the depreciation of the ruble, many customers have awakened interest in foreign currency deposits. At the same time, Russians invest not only in the purchase of dollars and euros, but also acquire exotic currencies - pounds, francs, yen, Australian dollars, in recent times Yuan and "Canadian" are gaining popularity. However, the most popular is still the US dollar.
- currency - dollar;
- amount - from 1,000;
- term - at least 1 year;
- bank is one of the 200 largest.
It should be noted that some deposits in foreign currency in Moscow banks at the maximum percentage in the TOP-50 are included in the multi-currency deposit, which will be noted if this is not clear from the name of the deposit. For such deposits, it will not be possible to invest only in the dollar, it will be necessary to purchase rubles and euros (or other currencies stipulated by the agreement) in a minimum amount.
| Name of the bank | Name of deposit | Bid | Minimum amount | Interest calculation procedure | Replenishment | Withdrawal |
|---|---|---|---|---|---|---|
| Tauride | Urgent | 3.8 | 1000 | Monthly, capitalization | Yes | Not |
| Globex | Accurate calculation online | 3.35 | 200 | At the end of the term | Not | Not |
| Binbank | Standard | 3.2 | 100 | Monthly | Not | Not |
| Yugra | 25 years of reliability | 3.1 | 500 | Monthly | Yes | Yes |
| Promsvyazbank | Premium | 3 | 3 | At the end of the term | Yes | Yes |
| Globex | Rentier online (multi) | 3 | 300 | Monthly | Yes | Yes |
| Novikombank | Favorite | 3 | 300 | At the end of the term | Not | Not |
| BFA bank | Contribution #1 | 3 | 500 | Monthly, capitalization | Not | Not |
| Binbank | Max percentage | 2.9 | 300 | At the end of the term | Not | Not |
| Trust | Our people | 2.9 | 500 | At the end of the term | Not | Not |
| Trust | generous interest | 2.9 | 500 | At the end of the term | Not | Not |
| Tauride | Multicurrency | 2.8 | 710 | At the end of the term | Yes | Not |
| Finprombank | My conditions | 2.8 | 1000 | Monthly, capitalization | Yes | Not |
| Yugra | Multicurrency basket | 2.8 | 1000 | At the end of the term | Yes | Not |
| Credit Europe Bank | Urgent | 2.75 | 100 | At the end of the term | Not | Not |
| Loco-bank | Spring in the black (multi, dollar+euro) | 2.75 | 300 | At the end of the term | Not | Not |
| Globex | Bonus online | 2.7 (growing) | 200 | At the end of the term | Yes | Yes |
| MDM Bank | Max percentage | 2.7 (growing) | 300 | At the end of the term | Not | Not |
| Binbank | Monthly income | 2.65 (growing) | 300 | Monthly, payment to the account | Yes | Not |
| Trust | Multicurrency 2016 | 2.65 | 500 | At the end of the term | Yes | Not |
| Yugra | Growing income | 2.63 | 1000 | At the end of the term | Yes | Not |
| SMP Bank | maxima | 2.6 (growing) | 50 | Monthly, capitalization | Yes | Not |
| Investtorgbank | Optimal | 2.6 | 100 | At the end of the term | Yes | Not |
| Promsvyazbank | my benefit | 2.6 (growing) | 300 | At the end of the term | Not | Not |
| Military Industrial Bank | spring story | 2.6 (growing) | 1000 | At the end of the term | Yes | Not |
| Finprombank | Practical | 2.6 | 1000 | At the end of the term | Yes | Yes |
| Peresvet | Knight | 2.6 | 1000 | Monthly | Yes | Yes |
| All-Russian Bank for the Development of Regions | smart money | 2.5 | 1 | At the end of the term | Yes | Not |
| Raiffeisenbank | Triple benefit (multi) | 2.5 | 1 | At the end of the term, annual capitalization | Not | Not |
| Home Credit Bank | Profitable year | 2.5 | 100 | Monthly, capitalization | Yes | Not |
| OTP Bank | Cumulative | 2.5 | 300 | At the end of the term | Yes | Not |
| Ural Bank for Reconstruction and Development | Cumulative | 2.5 | 300 | Daily | Yes | Not |
| BFA bank | Accumulation strategy | 2.5 | 500 | Monthly | Yes | Not |
| Metallinvestbank | Maximum income | 2.5 | 1000 | At the end of the term | Not | Not |
| Trust | Retirement income | 2.45 | 100 | At the end of the term | Yes | Yes |
| St. Petersburg | Deposit online | 2.4 | 100 | At the end of the term | Not | Not |
| Education | Base | 2.4 | 200 | At the end of the term | Not | Not |
| Binbank | Multicurrency | 2.4 | 410 | At the end of the term | Yes | Not |
| Bank Finservice | Comfortable | 2.35 | 1 | Monthly, capitalization | Yes | Not |
| Credit Europe Bank | Cumulative | 2.35 | 100 | At the end of the term | Yes | Yes |
| Rosselkhozbank | Classic online | 2.35 | 100 | At the end of the term | Not | Not |
| MDM Bank | MDM - The Magnificent Seven | 2.35 | 1000 | At the end of the term, capitalization daily | Yes | Yes |
| Military Industrial Bank | Comfortable | 2.3 (growing) | 100 | At the end of the term | Yes | Yes |
| BFG-Credit | Classical | 2.3 | 300 | At the end of the term | Yes | Not |
| Absolut Bank | Absolute maximum + | 2.3 | 1000 | At the end of the term | Not | Not |
| Eastern Express Bank | Oriental | 2.25 | 500 | Monthly, capitalization | Not | Not |
| Renaissance Credit | Renaissance Profitable | 2.25 | 500 | At the end of the term | Not | Not |
| Tinkoff Bank | SmartDeposit | 2.25 | 1000 | Monthly capitalization | Yes | Yes |
| Moscow Industrial Bank | Classical | 2.25 | 1000 | At the end of the term | Not | Not |
| Education | Maximalist | 2.2 | 100 | Monthly, capitalization | Yes | Not |
Only a few banks offer high-interest deposits in Moscow. Some make such an offer so that new customers appear, others - to maintain their positive reputation. The biggest contribution is . But this can only happen if a few conditions are met:
- the account is opened immediately for the entire amount;
- nothing can be done with the funds until the expiration of the contract;
- the client belongs to the privileged category.
High interest rates are possible within . Get the maximum profit and when opening a foreign currency account.
Conditions for opening a high-interest deposit in Moscow
Citizens can open with a high percentage both at the place of registration and residence. To do this, you only need a passport. There are those who cooperate with young people from 14 years old. Offers for individuals are different:
- minimum amounts.
The highest rates on deposits in Moscow are offered by institutions that have high rates of their own assets, a good loan portfolio, that is, they are stable.
On our website you will find deposits in banks with a high interest rate in 2020. For convenience, we offer a comparative table with up-to-date information and for calculating possible profits. The data is updated regularly, so our users receive up-to-date information. If necessary, you can choose the most convenient currency for calculations.
Wanting to receive a stable, albeit small, income, citizens who have certain savings are increasingly trying to open a deposit in various banks. For most investors, the most important indicator when choosing a funded program is the interest rate. However, there are a few more significant nuances that you should pay attention to when choosing a deposit product. About what to look for, and in which bank high interest rates on deposits, we will tell in our article.
It so happened that the majority of depositors, when choosing a deposit program, pay the main attention to the interest rate. And this is the biggest mistake. But what about reliability? The largest percentage is usually promised by new banks or those that have huge problems and urgently need to attract new customers. As practice shows, they quickly go bankrupt, leaving their investors without the promised income and without their own savings too.
It is for this reason that the first thing the client should pay attention to is the reliability of the bank. Reliability is tested by the stability of the financial institution, guaranteed payments on deposit transactions, as well as leadership in the banking services market. As a rule, it is large banks that have been coping with all crisis situations for many years that rightfully become the most popular among the population.
Of course, you have to pay for security. Therefore, the interest rate of reliable banks is an order of magnitude lower than that of some banks, but the probability of receiving the planned income increases significantly.
Important! An additional guarantee is the state support of those banks that participate in the deposit insurance program. According to it, all deposits, the amount of which does not exceed 1.4 million rubles, will be paid even in the event of the bank's bankruptcy. Therefore, first of all, when choosing a bank for making a deposit, you need to pay attention to whether the bank has a state deposit insurance license.
Additional Criteria
We figured out the reliability, now let's decide what else should be considered when choosing a deposit.
- Interest. For some, this indicator will be in the first place, but it is still better to consider it after choosing the most reliable bank. So, among the leaders of the financial services market, there are not so few banks that are ready to offer their depositors a fairly profitable deposit. A good interest rate today fluctuates between 8-8.3%. Of course, you can find better interest rates, but the conditions may be too harsh for those who want to invest.
- Possibility of early partial or full withdrawal of money. This is another factor that needs to be taken into account right away. As a rule, the most popular deposits provide for a contract term of six months to a year. These are the most profitable and not too long-term programs, because there are always risks of an economic downturn and an unexpected bank failure. However, there are times when there is no opportunity to wait for the deposit to expire, and money is needed right now, then you need to clarify whether you will have the opportunity to withdraw your hard-earned money on demand:
Important! It is also worth paying attention to the amount of lost profit in case of early termination of the deposit agreement. After all, some banks almost completely take away the accumulated interest, even if the deposit has aged almost the entire agreed period.
- Capitalization of received profit. Another important indicator- the possibility of capitalization of the received income. That is, the agreement may provide for the automatic consolidation of the principal amount of the deposit with the interest due on time, and the accrual of the following interest, already taking into account the increase in the size of the main deposit. This is quite profitable, however, most often such deposits do not differ in decent interest rates or there is a system of stepwise interest calculation. With this option, the interest will gradually decrease, with an increase in the principal amount of the deposit.
- Deadline for making a deposit. This factor is also significant, because often, banks offer very decent interest only on short-term deposits. For deposits with a term of one year, the percentage becomes slightly lower.
- Required input amount. Most depositors are confident that they can put any amount they have at interest. However, this is not the case. Of course, there are banks that do not care about the size of your savings that you want to deposit at interest, but most set a threshold for the deposit. Moreover, the larger this amount, the greater the percentage you can be offered. The reason is that the greater the influx of depositors, the more opportunities the bank has to turn over the money it has. Accordingly, their profit depends on it.
Which banks have the highest interest rates?
So, as we have already decided, the most important factors when choosing a deposit program are the reliability of the bank and the interest rate. We will not compare interest rates from banks with a dubious reputation, which simply want to attract customers as much as possible. Of course, in such financial institutions you can see the rate at 15% per annum. But are you sure that the bank will not fall apart until the time comes to collect the accumulated interest? Do you run the risk of being completely without money?
| № | Bank and program | Interest rate | Deposit term | Deposit amount | Currency |
|---|---|---|---|---|---|
| 1 | Opening "High Interest" | to 10% | 1 year | from 50 thousand | not provided |
| - the shorter the term, the greater the percentage: 3 months. — 10%, 6 months. — 8%, 9 months. — 6%, 12 months. - 5%; - the deposit cannot be replenished; – interest is paid after the completion of the contract; – after the expiration of the contract, if the deposit is not was issued, it is prolonged on the terms of the deposit “Main income". |
|||||
| 2 | VTB 24 Savings Account | up to 8.5% basic; up to 10% with VTB Multicard |
1 year | any amount | not provided |
| — when opening Multicard and enabling the function "Savings" can receive an increased percentage, provided payments on the issued card; — the savings account can be replenished and withdrawn without loss of interest; - the more you spend on the card, the greater the increase will be rates. |
|||||
| 3 | NS Bank "Investment" | 9% | 6 months | from 100 thousand to 10 million rubles. | not provided |
| - interest can only be received at the end of the term contracts; - the deposit is intended for clients who have issued an ILI policy or NSJ. |
|||||
| 4 | GazpromBank Savings and Protection | 6,7-8,8% | 3.6, 12 months | from 50 thousand rubles | not provided |
| - interest is paid at the end of the term; - the deposit cannot be extended; - the shorter the term of the deposit, the higher the percentage. |
|||||
| 5 | SovcomBank "Maximum income" | 6,9-8,6% | from 1 month up to 3 years | from 30 thousand rubles | not provided |
| — the maximum rate is set in case of regular using the Halva card with a monthly purchase amount of 5 thousand roubles.; — replenishment of the deposit is provided; - interest is charged only at the end of the term, including additional 0.5% for Halva settlements. |
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| 6 | BinBank "Maximum Interest" | from 7.05 to 8.3% | from 3 to 24 months | from 10 thousand to 30 million rubles. | -dollar (from 300 at a rate of 0.55-1.65%); - euro (from 300 at a rate of 0.25-0.8%). |
| - all interest can be received only at the end of the term; — possible prolongation of the deposit; — when opening a deposit in rubles, an additional an increase in interest for pensioners (+0.15%) and an increase rates by 0.3% when using an online application. |
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| 7 | Promsvyazbank "My income" | 8,1-8,3% | 3-12 months | from 100 thousand rubles | -dollar (from 1 thousand at a rate of 1.2-2.85%); - euro (from 1 thousand at a rate of 0.5-1.2%). |
| - the possibility of early termination of the contract is provided with the stipulated preferential rate; – it is possible to prolong the contract automatically (not more than 3 times); - interest is paid at the end of the term. |
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| 8 | Rosselkhozbank "Investment" | 7,8-8,05% | 6, 12 months | from 50 thousand rubles | - dollar (from 1 thousand at a rate of 1.4 to 2.4%). |
| - the deposit is opened for a period of 180 or 395 days; – the deposit can be opened together with the purchase of a share; - interest is paid at the end of the term of the deposit operations; - there is no limit on the size of the contribution; - in case of early termination of the agreement, interest paid at the agreed rate; - the contribution is not subject to prolongation. |
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| 9 | VTB "Maximum income" | 3,24-7,14% | from 3 months up to 3 years | from 1 thousand rubles | -dollar (from 100 at a rate of 0.4-1.74%); - euro (from 100 at a rate of 0.01%). |
| - the shorter the term - the greater the percentage; - it is impossible to replenish or withdraw money ahead of schedule; - interest will be calculated at the end of the term; - capitalization of interest is possible. |
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| 10 | Sberbank "Just 7%" | 7% | 5 months | from 100 thousand rubles | not provided |
| - you can only open it yourself: through an ATM, online banking or mobile application; - interest will be credited to the account at the end of the term; – prolongation is possible, but on the terms of connecting the deposit "Poste restante"; - through the bank's office, the rate is set at 6.5%. |
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As you can see, those who want to invest their own money at high interest rates will have to seriously look for the most relevant offers. Of course, in addition to the options offered, there are many more offers from various banks, and sometimes they can be more attractive. Particular attention should be paid to short-term promotions. For example, during the New Year holidays, many banks had promotional offers with very attractive interest rates.
Important point! As a rule, most banks are ready to offer the maximum interest rate only for a short-term investment in a deposit account. However, you should not chase after small benefits, it may be better to choose a loan with a lower rate, but on more favorable terms of placement and with lower commission costs.
