Forms / 24.11.2020

Deposit account rates. Reliable banks with a high interest on deposits. Common mistakes when choosing a deposit

Passive income is a nice bonus to your salary. There are many places where people often invest money in the hope of creating: playing in the foreign exchange market, investing in cryptocurrencies, investing in company stocks, and more. But these methods do not guarantee the result. When investing money for any purpose, one should be aware of the risks and be prepared for defeat and loss of finances.

The least risky way to increase profits on a permanent basis is with 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. Banking crises are not uncommon these days. It is good to have confidence that your bank will not collapse during the next streak of financial difficulties.

The second important parameter is the interest rate. This is the money that you will receive as net income from your deposit. It is desirable that there is not only a high percentage, but also accompanying conditions that are comfortable for the depositor. The passively accumulated funds can subsequently be multiplied by starting.

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

"My income" (Promsvyazbank)

Conditions:

currency - rubles;

the minimum amount is 100,000 rubles;

terms and interest:
on day 91 - 6.6%;

on day 181 - 6.7%;

for 367 days - 6.7%.

Among the bank's programs, this deposit has the maximum interest rate. If the client wishes to terminate the contract ahead of time, preferential terms will make the process fast and with minimal losses. You cannot withdraw part of the money or replenish the amount of the deposit 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 later than the due date, only half of the accrued interest will be paid, so be punctual. To open a deposit, contact either your local Promsvyazbank office or PSB-Retail available on the Internet.

"Maximum income" (Credit Bank of Moscow)

Conditions:

the minimum amount is 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. So, the depositor can partially withdraw the invested funds, replenish the account, and also demand interest on a monthly basis. To connect one or more of the described services, an additional agreement must be concluded.

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

"Maximum income" (Sovcombank)

Conditions:

currency - rubles, dollars, euros;

the minimum amount is 30,000 rubles; USD 5,000; 5,000 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 up to 90 days - 6.8 / 7.8% (Halva card);

upon termination up to 180 days - 7.2 / 8.2% (Halva card);

upon termination up to 365 days - 6.8 / 7.8% (Halva card);

upon termination up to 730 days - 6.0 / 7.0,% (Halva card);

upon termination up to 1095 days - 6.0 / 7.0% (halva card).

terms and interest when opening a ruble deposit via the Internet bank for 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%.

It is not possible to partially withdraw funds, but it is allowed to replenish the account. The minimum top-up amounts are 1000 rubles, 100 dollars or euros. Interest is paid after the end of the term of the deposit.

"Reliable" (Discovery)

Conditions:

currency - rubles, dollars, euros;

the minimum amount is 50,000 rubles; USD 1,000; 1000 euros;

terms and interest:
for ruble deposits for 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%.

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

"Maximum interest" (B&N Bank)

Conditions:

currency - rubles, dollars, euros;

deposit term - from 3 months to 2 years;

the minimum amount is 10,000 rubles; US $ 300; 300 euros;

terms and interest for ruble deposits:
when opening at 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 in a bank branch - 0.01%;

for individuals (pensioners) - 0.01%;

when opening via the Internet - 0.01%.

During the 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 depositor after the end of the agreed period.

"Profitable" (Rosselkhozbank)

Conditions:

currency - rubles, dollars;

terms for opening a deposit - from 31 to 1460 days;

the minimum amount is 3000 rubles; USD 50;

interest rate for ruble deposits - up to 6.70%;

interest rate for deposits in US dollars - up to 2.45%.

One of the most comfortable conditions. An individual can receive interest even on small deposits for a short period. 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%.

This deposit has increased profitability, but if funds are withdrawn before the expiration of the contract, it is lost. Capitalization is possible. If you do not close the deposit on time, its term is automatically extended for the minimum possible time (3 months), but no more than 2 times. If you close the deposit before the deadline, you will receive 0.6% of the original rate. But for this, the term of the deposit must exceed 181 days.

"Pobeda +" (Alfa-Bank)

Conditions:

currency - rubles, dollars, euros;

the minimum amount is 10,000 rubles; USD 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 the deposit or partially withdraw money. Accrued interest is capitalized, but the client loses it in case of early termination of the contract.

Savings (Gazprombank)

Conditions:

currency - rubles, dollars, euros;

the minimum amount is 15,000 rubles; USD 500; 500 Euro;

terms - from 3 months to 1097 days;

interest rates for ruble deposits:
for the amount from 15,000 to 300,000 rubles - 5.6-5.8%;

in the amount from 300,000 to 1,000,000 rubles - 5.8–6.0%;

in the amount of 1,000,000 rubles or more - 6.0–6.4%;

interest rates for deposits in US dollars:
in the amount of $ 500 to $ 10,000 - 0.30-1.40%;

for the amount of $ 10,000 - 0.40-1.50%;

interest rates for deposits in euros:
for the amount from 500 to 10,000 euros - 0.01%;

for the amount of 10,000 euros - 0.01%.

The long term provides for the existence of separate conditions for interest payments. As a result, 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 forbidden to replenish the account or withdraw funds. It is possible to extend the term of the deposit, but not automatically. To do this, you will have to visit the bank office.

"Top up" (Sberbank)

Conditions:

currency - rubles, dollars;

the minimum amount is 1000 rubles; US $ 100;

terms - from 3 months to 3 years;

terms and interest rates for ruble deposits when opening 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 opening 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 opening 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 opening 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 opening 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 at 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 opening at 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 opening at 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 opening at 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 opening at 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 opening 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 opening 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 opening 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 opening 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 opening 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 opening 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 opening 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 opening 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 opening 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 amount of the deposit. The deposit can be freely replenished, but withdrawing money before the expiration date, in whole or in part, is not allowed.

Advice: find out in which financial institutions today.

How to calculate the profitability of a deposit?

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

The formula for the profitability of a deposit with capitalization includes a few 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, it should be calculated as follows: N * (1 + P * d / D / 100) n-N where

N is the initial size of the deposit;

P is the interest rate;

d - calendar days after which new interest is calculated (as a rule, it is 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 opinions of the majority can sometimes lead to unpleasant situations. Banks try to gamble to get the maximum benefit from their customers, so customers should be careful when choosing favorable terms for themselves. After all, they are good for the bank and bring profit in any given variations.

First mistake. The proposal looks noticeable and in every way better than the others. 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 on the way and the bank is attracting new customers with similar promotions. Negative option: the bank is unreliable and may collapse at any time. His action plan is to get the most out of customers who want the same - big money in a short time. Then such organizations file for bankruptcy, and depositors lose everything.

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

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

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

Third mistake. The terms of the deposit provide for a huge number of possibilities: withdrawing and replenishing an account at any time, capitalizing interest and much more. Pay attention to the rate: it is clearly not the maximum. The presence of some advantages removes others.

Advice: before opening a deposit, prioritize. Is the capitalization of interest so important to you? And their monthly withdrawal? Is it really necessary to withdraw part of the invested funds ahead of time? Based on the responses received, choose a bank with only those additional offers that you really need.

Fourth mistake. Ignoring the achievements of civilization. Most large banks are transferring their services to the Internet format. There are even banks that are fully powered by the Web. As a result, it may turn out that if you open a deposit via the Internet, the interest rate will be significantly higher, and the minimum deposit - 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 lock (see below), or the text https in green.

This means that the communication channels are encrypted and confidential. Also, two-factor authentication is used in monetary transactions: without SMS with an access code, you can neither invest nor withdraw funds.

Summing up

Bank deposits - for individuals. When choosing terms, one should not always be tempted by a high interest rate. It is best to check the market for such offers and invest in a deposit on terms that correspond to the highest level of offers. To avoid the risk of losing money, do not trust banks that you have not heard of before.

Also, initially decide what you want to get from the contribution. Additional income is guaranteed by the capitalization of interest. Choose a realistic time frame in which you definitely will not need this money. Early termination of the agreement with the bank is fraught with the payment of much less money than was indicated in the agreement.

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

In this article:

Choosing a deposit correctly

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

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

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

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

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

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

Income deposits

Bank of Moscow "Correct answer"

Interest rates up to 11% in rubles.

Contribution - from 100 thousand rubles.

BinBank

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

PromSvyaz bank "My benefit"

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

Alfa Bank

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

UniCredit Bank

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

VTB 24 "Profitable"

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

Deposit calculator

Deposit amount

Interest rate (%)

Deposit term (months)

Monthly interest

Reinvested withdrawn

Gazprombank "Perspective"

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

Replenishing deposits

Bank Trust "Accumulative"

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

PromSvyaz Bank "Maximum Opportunities"

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

Gazprombank "Accumulative"

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

VTB 24 "Accumulative"

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

RaiffeisenBank "Personal Choice"

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

Sberbank "Top up"

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

Early withdrawal deposits

Bank Trust "All Inclusive" with the ability to replenish the account

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

Gazprombank. Product "Dynamic" has the additional ability to replenish deposits.

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

Rosbank "Optimal"

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

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

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

Sberbank "Manage"

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

A strict economy, hard work, an inheritance or a gift can help you to have a free amount of money that you can use in a variety of ways: hide money in a secret place, invest in a business, buy real estate, etc. Recently, deposits in Moscow have become 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 the interest on deposits in Moscow in many ways determines what amount on the deposit will be added to the original, many consider them the most important condition of the deposit and on this basis make the choice of the program and the bank.

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

term deposits with a strict limitation of the period of saving savings are characterized by the highest interest rates;
perpetual or short-term deposits are usually accompanied by lower rates on deposits in Moscow banks.

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

a ban on closing a bank deposit in Moscow ahead of schedule;
prohibition on partial withdrawal of funds placed on the deposit.

Violation of these rules on deposits in Moscow banks can lead to penalties from the bank and a decrease in the initial rate.

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

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

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

In which bank in Moscow is it better to open a deposit?

In 2020, many banks work 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 relevant options, making calculations, and consulting with specialists.

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

Enter your deposit requirements.
Get a complete list of current deposits in Moscow banks for today updated.

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

Reliable banks with high interest on deposits. Glad to see you again! A new book by King came out the other day, so I, as an avid reader, went to the store for a novelty.

Already when I approached the checkout, it turned out that the device did not want to punch through the coloring of one married couple.

While I was waiting for my turn to come, I witnessed the conversation of this couple.

The man intended to invest in a bank, but could not choose which one.

My wife could not advise anything decent, so I could not resist and got into the conversation.

Deposits at high interest rates - in which banks interest rates are higher?

Perhaps everyone who has thought about investing money is looking for a deposit at a high interest rate. It is the interest rate on the deposit that is the first criterion by which the deposits are compared with each other. However, such a comparison would be incomplete.

It is also important to take into account such a factor as risk. As you know, the State Deposit Insurance System guarantees each depositor of a bank - a member of this system, the safety of savings in the amount of up to 1,400,000 rubles. However, here's what a potential investor needs to remember.

A warning!

The most reliable bank is not only a large bank, but also the least risky one. Lending institutions with the participation of the state are least inclined to risk - and our people are used to trusting the state a little more than private business.

It is no wonder that it is the state-owned banks that lead the ratings in all respects, including the amount of funds attracted in deposits. In addition, the leading banks have a wide (Gazprombank, VTB24) or a very wide (Sberbank) network of branches throughout Russia - it is not surprising that they also “win” in terms of accessibility for depositors.

Therefore, people for whom such parameters are the main thing choose Sberbank, Gazprombank, Rosselkhozbank, VTB24 or VTB Bank of Moscow.

Private banks from the Top 50 are the choice of people who, to a greater extent trusting private capital, prefer high income on deposits. The fact is that these banks are vigorously issuing loans at not the smallest interest rate, due to which they can attract deposits at a high interest rate (higher than competitors with state participation).

Among the most popular banks in this group are Russian Standard Bank, NB Trust Bank, Home Credit and MTS Bank (places from 21st to 47th in the rating of banks in the Russian Federation). Now let's consider what the banks mentioned above offer their depositors by the beginning of a new one, in December 2016.

Sberbank

Perhaps this is the first bank that almost every Russian will think about out of habit. Sberbank now offers the following deposits:

8 time deposits in rubles, dollars or euros (from 2.3% for the "Savings account" to 6.49% for the "Save" deposit in rubles);
for wealthy clients who prefer other currencies - "International" deposit (in British pounds, Swiss francs and Japanese yens - at 0.01% per annum);
3 deposits for the owners of the Sberbank First and Sberbank Premier service packages - Save special, Top up special and Manage special with increased rates - up to 7.36% in rubles, 1.66% - in US dollars and 0.30% - in euros.
3 online deposits in rubles, dollars or euros (rates are higher than for time deposits, by an average of 0.1%);
3 pension deposits.

Thus, it cannot be said that Sberbank attracts deposits at a high interest rate, because Sberbank's deposit rates are low. But the risks are low, the choice is wide, and the conditions are flexible.

A choice of replenished and non-replenished deposits is possible, with a different scheme of interest payment (at the end of the term, monthly, etc.), and the minimum amount (from 10 to 1000 rubles) is "on the shoulder" of any person.

VTB 24

This bank offers 10 deposits on various terms (we can say that they are about the same with VTB 24 as with Sberbank):

3 deposits opened in bank branches - Comfortable, Accumulative and Profitable at rates from 0.01% to 7.75% per annum.
3 deposits opened remotely in the Internet bank - Comfortable-online, Savings-online and Profitable-online at rates from 0.01% to 7.90%.
3 deposits on special terms for owners of the "Privilege" service package with increased interest rates, which are calculated individually for each client.
1 savings deposit with flexible terms at 0.01 - 8.50% in rubles.

Gazprombank

This bank has only 7 deposits: 1 investment, including with investments in mutual funds (up to 9.70%), 5 accumulative deposits of various purposes in rubles (up to 8.2%), dollars (up to 1.1%) or euros (up to 0.05%).

There are also 2 ruble deposits for pensioners at 6.1-7.2%. Thus, the rates of this bank are approximately at the same level as the rates of Sberbank and VTB 24.

Rosselkhozbank

Rosselkhozbank offers a wide range of deposits. Almost all deposits can be opened remotely (the maximum rate is up to 9.10% in rubles, 2% in dollars and 0.55% in euros), 1 pension savings program (up to 7.0%).

Attention!

The rest of the deposits are standard savings accounts, the maximum rate for which reaches 7.45% in rubles, 1.20% in dollars, 0.35% in euros.

Interest rates here are noticeably higher compared to the banks described above, but the conditions for placement are also somewhat stricter (interest at the end of the term, replenishment is impossible, etc.).

VTB Bank of Moscow

The new "Seasonal" deposit, which can be opened before January 31, 2017 for 400 days, implies 4 interest periods. The highest rate - at 10% per annum, can be obtained in the first period with a validity period of up to 100 days, in other periods the rate is 7.5%.

The bank also offers 3 basic term deposits: “Maximum income”, “Maximum growth”, “Maximum comfort” with rates up to 8.46% for ruble accounts, up to 1.61% for dollar accounts and 0.01% for euro accounts. For pensioners, 3 programs have been developed (up to 8.46% in rubles), there is also a savings account in rubles (up to 5%) and special offers for privileged clients.

We can say that deposits in this bank are beneficial primarily for a client with a large amount or who wants flexibility in replenishment / withdrawal of funds. When opening deposits via the Internet or an ATM, 0.3% is added to the ruble rates and 0.1% to foreign exchange rates.

Russian standard

This bank offers 4 deposits with a variety of interest payment schemes: the depositor has a lot to choose from. Interest rates on deposits in rubles - from 7.00% ("Convenient") to 9.75% per annum ("Maximum income"), and in foreign currency - up to 2.0% for dollar accounts and up to 1.25% for accounts in Euro.

Advice!

Capitalization in most deposits is not offered, and the conditions are not the most flexible - this is a logical “payment” for a depositor for a high income.

Home Credit

Home Credit offers several deposits: one is opened only in foreign currency (up to 1.51%), four - only in rubles: from 8% to 9.34% per annum, a deposit for pensioners can be opened in Russian rubles (up to 9.34% per annum ).

Another deposit in rubles can be opened at 9.29% per annum, with an amount of 3 million rubles or more. There are options for capitalization, partial withdrawal and replenishment for a certain amount. Thus, Home Credit is a good choice for those who want a good income and place funds for a period of 12-36 months.

TRUST

This bank has a line of 10 deposits in rubles / dollars / euros, including a multicurrency one. Rates on deposits in rubles are quite high - from 5.9% to 10.1% (in foreign currency - from 0.1% to 2.6% per annum), and the conditions are flexible: you can choose a deposit with convenient terms in terms of terms, interest payments and replenishment / withdrawal.

MTS-Bank

The best bank deposits in 2017: conditions and interest rates The former MBRD offers 9 deposits in rubles / dollars / euros, including multicurrency and pension. Rates in rubles from this bank are in the range of 6.5 - 9.0%, and in foreign currency - from 0.01% to 1.0% per annum. You can choose a deposit with the most flexible conditions at a good percentage.

An additional 0.30% to the base rate can be received by clients opening a deposit in the Internet Bank, as well as salary clients, up to 0.40% to the rate - with a deposit amount of 4 million rubles or more.

Thus, it is most profitable to deposit money in one of the private banks. Especially if the deposit amount does not exceed 1,400,000 rubles, since such a deposit will be fully insured. Deposits at a high interest rate in Moscow are issued, as a rule, by banks specializing in consumer lending (Russian Standard, Tinkoff, Home Credit).

But at the same time, you should carefully study the conditions in terms of replenishment, early withdrawal, etc., in order to make your contribution not only profitable, but also convenient in terms of using money.

source: http: //site/www.vkladvbanke.ru

The issue of preserving and increasing money is always relevant. One of the smartest and safest options is opening a bank deposit.

A warning!

Which bank and deposit to choose for the most profitable investment in 2017? What criteria, besides the interest rate, are important?

We offer an up-to-date overview of the best conditions for deposits in Russian banks.

What is the best deposit to open?

To begin with, let's try to conduct a small educational program to figure out what determines the level of interest rates in banks. Immediately, we note that several interrelated factors affect the amount of return on deposits at once:

Rising inflation and devaluation of the ruble.
Decrease in the growth rate of household deposits.
Competition between banks for depositors.
Change in the key rate by the Central Bank of the Russian Federation
The outflow of foreign investment and the blockade of the debt market, that is, a shortage of liquidity and funding (raising funds from organizations).
Changes in legislation (until December 31, 2015, a privilege was in effect: interest on ruble deposits of citizens placed at a rate of up to 18.25% per annum was no longer subject to personal income tax; there was an increase in the amount of insurance compensation on deposits from 700,000 rubles to 1,400,000 rubles. ).

Information for reference

The key rate is the interest rate on the main operations of the Bank of Russia to regulate the liquidity of the banking sector, that is, the amount of interest at which the Central Bank of the Russian Federation lends to private banks on a weekly basis and at the same time is ready to take funds from them for safekeeping.

Attention!

It is the main indicator of monetary policy. Directly affects the level of interest rates on deposits. From August 3, 2015, it equals 11% and remains unchanged until December 11, 2015. This is the fifth cut in the key rate since December 16, 2014, when it was set at 17%.

Some confusion is introduced by the concept of the "refinancing rate", which is also used for lending to private financial institutions, but since the introduction of the key rate, that is, from September 13, 2013, it is of a secondary and reference nature, and since January 1, 2016 it is equal to the key rate, as stated in the document “On the system of interest rate instruments of the monetary policy of the Bank of Russia”.

In addition to the above, it should be noted such a monitoring tool of the Central Bank of the Russian Federation as "The maximum interest rate of ten credit institutions attracting the largest volume of deposits from individuals", which shows the average maximum interest on a deposit among the TOP-10 banks in terms of attracting deposits in Russian rubles.

Today, the Bank of Russia forms the “big ten” of the following banks:

Sberbank of Russia;
"VTB 24";
"Bank of Moscow";
Raiffeisenbank;
Gazprombank;
B&N Bank;
"Alfa Bank";
Bank FC Otkritie;
Promsvyazbank;
Rosselkhozbank.

This monitoring is carried out by the Banking Supervision Department of the Bank of Russia using open information presented on the official websites.

In the third decade of November 2016, based on the results of monitoring the maximum interest rates (on deposits in Russian rubles) of ten credit institutions attracting the largest volume of deposits from individuals, the average maximum rate on deposits is 9.93%.

Advice!

In the first and second decades of November 2016, the rate was at the level of 9.92%. The indicator is calculated as the arithmetic mean of the maximum rates of banks that attract two-thirds of the population's funds.

What else is useful to know about the average maximum bid? Since October 2012, the Central Bank of the Russian Federation has categorically not recommended all private banks to exceed the indicator established during the monitoring by more than 2 percentage points (percent), since December 22, 2014 - by 3.5%, since July 1, 2015 it has allowed any increase in exchange for an increase in contributions (deductions) of credit institutions to the Deposit Insurance Fund (FSV).

Banks' fees for increased risk are set as follows:

if the value of the interest rate on the deposit is not overstated relative to the average maximum, the bank makes deductions at the base rate - 0.1% of the average quarterly balance on deposits;
if the level of the interest rate on the deposit does not exceed the maximum rate by 2-3%, the credit institution is charged a fee at an additional rate of 0.12%;
if the bank overestimates the level of the lending rate by 3% or more from the average maximum, then it pays an increased additional rate - 0.25%.

What conclusion should ordinary investors draw from this information? If the level of profitability of a deposit, in the opinion of the Central Bank of the Russian Federation, is too high, then such a deposit carries additional risks, therefore a private bank pays contributions to the DIA at an increased rate.

For ease of understanding, we will give an example from the previous methodology of the Bank of Russia:

The current average maximum rate on deposits is 9.93%.
The maximum recommended excess of the rate level is 3.5%.
The maximum acceptable (with a marginal level of risk) deposit rate is (9.93% + 3.5%) = 13.43%.

So, in the winter of 2015, the best bank deposits were offered at rates from 10 to 11%, and with a deposit yield of more than 13.7%, you can deal either with an unstable credit institution or conducting risky transactions.

For the sake of fairness, we note that at the moment all deposits in one bank up to RUB 1,400,000 are “protected” by the Deposit Insurance Agency (DIA), so the risk is assumed to a greater extent by the banking system than by the depositors.

But there is little pleasant in the thought that you may run into a bank that has had its license taken away or that has started bankruptcy proceedings. On an annualized basis, inflation in 2015 is at the level of 16%, but there are all preconditions for its significant slowdown in 2016–2017.

Having looked at the dynamics of the decrease in the key and average maximum rates on deposits, it can be assumed that, if nothing extraordinary happens, the key rate will continue to decline, and along with it, interest rates on deposits will decrease.

Therefore, we can conclude that the winter of 2017 is the most favorable period for opening deposits at good interest rates, which may not be found in the future.

In the winter, the market is revived with special seasonal products. Despite the fact that the number of interesting offers on deposits is not so great, there are still banks that are ready to provide very attractive conditions. If you set out to find the best deposit in rubles or in foreign currency, then this review will help you.

Ruble or foreign currency deposit?

The income and consumption of the overwhelming majority of Russians is ruble-oriented. In this regard, the ruble deposit seems to be the most reasonable solution. Moreover, if the ruble continues to weaken, interest rates on ruble deposits may rise, and it is advisable not to miss such a moment.

A warning!

Despite the fact that Russians traditionally consider the currency as a more stable option for saving funds, in the current unpredictable situation it is rather dangerous to choose it, since at the moment the rates of the euro and the dollar are extremely high and the ruble has already managed to more or less stabilize.

If in the short term there is a significant strengthening of the ruble (which is possible with the weakening of sanctions or an increase in oil prices), then the foreign exchange contribution will lose all meaning for those who are used to spending money in rubles. According to experts, those who are really interested in the currency have already managed to diversify their funds.

If you are not one of such people, then the contribution in foreign currency should not be of particular interest to you. As mentioned above, the income and spending of the overwhelming majority of Russians are focused on rubles, which means that they need to be saved.

Time deposit or on demand?

All deposits can be divided into urgent and demand deposits. The latter allow you to return the invested funds at any time at the request of the investor. Interest rates on such deposits, as a rule, are minimal - no more than 1% (profit from such a deposit will not even cover monthly inflation).

Term deposits are placed for a certain period, before the expiration of which the client must not claim his funds, otherwise, in most cases, he will lose his income. A term deposit is more often placed for a year, less often for several months.

Deposits with the longest storage period sometimes offer the most favorable rates, but not always. Therefore, if you are looking for the best deposit, then feel free to choose a fixed-term ruble deposit for 12 months.

Refillable or non-refillable deposit?

Deposits are classified depending on the degree of the depositor's control over the invested funds. When opening a non-refillable deposit, any replenishment or withdrawal operations are prohibited - banks use them to offer the most favorable conditions for placing funds.

The replenished deposits allow you to add money to the account during the validity of the agreement, which is convenient for the systematic accumulation of a large amount of money. Some banks offer refillable deposits that allow the client to make debit and credit transactions. As already mentioned, the best conditions are provided for non-refillable deposits.

The best deposits in rubles

At the moment, banks offer deposits at an average rate of 10-11% per annum, the general trend is decreasing. Recall that in December 2016, the Bank of Russia sharply increased the key rate to 17%, thereby causing an increase in deposit rates up to 21-22%.

Throughout the year, the indicator has been decreasing: already in June 2016, the average rate on ruble deposits was 14-15%. Now the maximum yield is at the level of 12-13%.

Experts' forecasts are rather ambiguous: the majority expect a further decrease, but there are also optimistic forecasts about a possible increase in rates due to the weakening of the ruble. A good interest on deposits (11%) is offered by Russian Standard Bank for a period of 1 year, interest is paid at the end of the agreement.

Credit Bank of Moscow provides deposits with a rate of 9.5% to 11.25%, Rosbank - up to 10.75%, UniCredit Bank - up to 10.5%, Promsvyazbank - up to 11%, Alfa- Bank "- up to 10%," Raiffeisenbank "- up to 10%, Sberbank - up to 8.1%. As we can see, the larger the bank, the lower interest rates on deposits it is ready to offer.

The best conditions for deposits can be found in small private banks. But we recommend that you pay special attention to the conditions for early termination of the deposit agreement, since in case of unforeseen circumstances you risk losing most (if not all) of the interest on the deposit.

The best deposits in euros

The situation with foreign currency deposits is approximately the same as with ruble deposits. The average rate on deposits in euros is about 2.5-3%.

Attention!

Leading banks with high rates on foreign currency deposits, again, are not encouraging: the average annual interest rate is about 1.5-2.5%. For example, an option for a deposit in euros can be found in UniCredit Bank.

It provides for placement for a year from 20,000 euros at a rate of 3%. At Bank Saint Petersburg you can count on a 2.8% rate when you open an on-line deposit for a period of 5 years in the amount of 50,000 euros or more. Interest is paid at the end of the deposit term.

Credit Bank of Moscow offers deposits from 100 euros for a period of 1 year at a rate of 2.25%. Such giants as Raiffeisenbank, Alfa-Bank, VTB 24, Sberbank offer rates in the range of 2-2.5%.

The conditions of regional banks are undoubtedly attractive, but many depositors are afraid to use their services. Firstly, because of doubts about the reliability, and secondly, because of the geographical location. In turn, the largest Russian banks are not ready to provide attractive terms for deposits.

In the current economic situation, of course, it is more appropriate to focus primarily on the bank's reliability. This will also serve to improve the banking sector: ineffective banks will be automatically ousted from the market. However, one should not unequivocally neglect the huge potential of the regions.

Among the regional banks there are quite solid ones with branches in many cities, confidently holding their positions in the market. Before contacting one of the largest banks, check the situation in your region.

The best deposits in dollars

The average rate for dollar deposits is about 2.5-3.5%. As for the leaders of the Russian banking sector, the following conditions for deposits are offered here. At UniCredit Bank you can place a deposit of $ 20,000 or more.

Advice!

USA for 1 year with a rate of 4.65% and the possibility of replenishment. You can also pay attention to the deposits of B&N Bank: by placing an amount of $ 25,000 or more for 1 year, you can earn 3.7% per annum (interest payment at the end of the deposit term).

The maximum rate on deposits of Bank Saint Petersburg is 3.9%. Any depositor can open a deposit with such interest if he has $ 50,000 and 915 days before the receipt of income. On average, the largest Russian banks are ready to offer an annual rate in the range of 2.8-3.5%.

source: http: //site/www.kp.ru

How to choose a reliable bank to open a deposit?

I think many of you ask yourself the question: "How to choose a reliable bank" when planning to open a bank account, get a loan or mortgage.

The interest in this topic can be easily explained: firstly, this is another small step towards mastering the basics of financial literacy. Remember, we talked about this in the article "Economy and financial literacy you need to learn"?

Secondly, this is the first small step on the path of practical application of the knowledge gained, to which I was prompted by a far from new and not at all original idea: “money should work”.

A warning!

How to do it? Start investing (everyone is talking about this now), study stock markets, monitor the economic situation, compare offers from different banks?

I agree, you need to invest. But for me now it is very difficult and not entirely clear, there is not enough experience and knowledge. Therefore, to begin with, I decided to deal with that type of investment, which, in fact, is not investment, but rather a way of accumulating funds - bank deposits.

How to choose a bank for a deposit

Why did I decide to start with this ancient and popular product? Because in our daily life we most often come across banks and bank deposits. Perhaps almost every person has at least a small bank "stash".

We don’t feel stressed when we donate our money to the bank. And we are not afraid of losing our money, because, you see, the risk is minimal here.

And this does not require any special psychological preparation, which is simply necessary when investing in more risky financial instruments, such as real estate, mutual funds, Forex, Pamm accounts, investments in the stock market, in works of art, antiques, precious metals.

But we do not always know how efficiently our money can work in different banks. Different deposits on different terms and in different banks can bring completely different income.

Let's try to figure out together which banks are the most reliable, what deposits are and how to choose the most profitable among them, how to choose the right bank for a deposit in order to get the highest possible income, in what currency to open a deposit and at what percentage.

There are many questions, let's go in order

The economic situation in our country can hardly be called stable now. The slowdown in the growth of our economy, which began in 2013, was exacerbated by the recent events in Ukraine, fluctuations in the ruble exchange rate, and the closure of some banks. This created a certain tension around bank deposits.

And yet we still and in most cases, in the desire to save money "for a rainy day" or to accumulate some necessary amount of money, open a deposit account in a bank.

To save or not to save?

The accumulation of money in itself, as a process, I think, for the majority is a boring and monotonous occupation. You have to be a real Plyushkin in order to save money for the sake of money.

But if the fulfillment of what has been desired for a long time looms ahead, it is a completely different matter.

Attention!

What exactly do you want to achieve? Buy an apartment, save up for a comfortable old age, go on a trip around the world? This truly motivates and makes you do what just recently seemed to be something from the world of fantasy and unrealistic desires.

Goals will be achieved if they are set clearly and concretely. Believe it or not, this has happened to me more than once.

Bank deposits (deposits)

So, the goals are defined. And we return to our deposits again. To make it clearer, let's figure out the terms first.

What are deposits?

Deposits (sometimes called deposits) are a type of savings account in which funds are placed for a certain period and on certain terms and conditions in order to preserve them and generate income.

These are the client's funds, which are subject to mandatory return upon the expiration of the contract or at the first request of the client. But at the time of placement on the deposit, they are controlled by the bank.

This is a very popular banking product that emerged almost at the same time as the banking system. Each Russian can open an unlimited number of deposits, both in one bank and in several at the same time.

What are the deposits?

In fact, there are a lot of types of deposits offered by banks, each of which has its own characteristics, pros or cons.

But basically, deposits are divided into three main groups, depending on:

from the term of the deposit - demand deposits and time deposits
from the possibility of replenishment - rechargeable and non-rechargeable
from the type of deposit currency - deposits in rubles, foreign currency or multicurrency deposits.

From the term of placing money in the bank.

What is the difference between term deposits and demand deposits? On term deposits that are placed for a specific period (from 1 month to several years), interest is paid after the specified period.

If the client withdraws his money before the end of the term stipulated by the agreement, then the bank can return in full only the initial amount of the deposit, while the interest on the deposit can be partially charged.

Some banks, upon early termination of the agreement, can return the fully accrued interest, but usually low interest rates on such deposits.

Advice!

On demand deposits, funds are placed for an indefinite period, returned to the client on demand, and the interest rates on them are much lower than on time deposits.

Refillable and non-refillable deposits

Everything is clear here. If the deposit is replenished, then this means that additional amounts can be made to the deposit account, which will increase the total amount of the deposit and, accordingly, the income on it.

If the deposit is non-refillable, the initial deposit amount cannot be increased, and interest will be charged only on it.

In what currency to open a deposit?

In Russian banks, you can open ruble deposits, deposits in foreign currency or multicurrency deposits.

The peculiarity of multicurrency deposits: on one account, you can place several amounts in different currencies, for each of which a different percentage will be calculated.

It should also be borne in mind that interest on foreign currency accounts is always lower than on ruble deposits.

How to choose the most profitable investment?

What do you usually pay attention to when choosing a deposit? Of course, on interest rates (the equivalent of the monetary reward that the client receives for lending his funds to the bank for use).

Interest on bank deposits

First of all, we are attracted by high interest rates (banks always indicate the annual interest rate), which may depend on the amount of the deposit, on the term of the deposit, on whether the deposit is replenished or not, on its type (urgent or "on demand" ), capitalization and some other factors, which we will talk about later.

A warning!

Let's make a reservation right away that very high interest rates on deposits are not always a sign of a good bank.

Usually, after the conclusion of the agreement, the bank cannot unilaterally change the value of the interest rate, but there are exceptions (this applies to deposits with interest capitalization and prolongation).

How is interest calculated on deposits?

The first option: at the end of the term of the deposit, interest is charged on the original amount.
Second option: interest is paid at a certain frequency (regular payments), for example, once a month or quarter. In this case, the interest is transferred to a plastic card or other account.
The third option: capitalization of interest on the deposit.

This means the following: interest for a certain period is added to the deposit amount, and in the next period interest will be charged on a larger amount.

This method of paying interest is sometimes called "compound interest" and can be made once a month, once a quarter, once a year, or in connection with the expiration of the contract.

Attention!

As already noted, deposits with capitalization usually have a lower interest rate, but the income may be higher.

And a few more concepts that need to be understood when referring to bank deposits.

Prolongation of a deposit is an automatic extension of a deposit agreement after its expiration and placement of a deposit for a new term without the participation of the client.

If there is no prolongation, the funds (principal plus accrued interest) will be transferred to the client's account, and no interest will be charged from that moment.

In order to resume their accrual, you need to come to the bank and open a new account. True, you need to take into account that the prolongation does not apply to all types of deposits, and in order to use this service, you need to stipulate it in advance in the contract.

To open a bank account, you only need a passport of a citizen of the Russian Federation (sometimes they may be asked to provide some second document, for example, a passport). If you want to open a deposit for a close relative, it is enough to provide his documents or notarized copies of documents.

Profitable deposits in 2017

So, we found out what deposits are, how interest is calculated and what are the conditions for various deposits. And also figured out that the interest rate, which fluctuates mainly from 3 to 10 percent, depends on many factors.

Banks rating

The goal that you pursue when opening a deposit should ultimately determine your choice of deposit. It is she who determines what conditions are important to you and what you will give preference to (term, currency, interest rate and other conditions).

Someone wants to make a profit at any cost due to high interest rates, ignoring possible risks and losses. Someone is satisfied with lower rates, but at the same time, such conditions as the ability to replenish an account or partially withdraw money, capitalization, a short investment period, reliability are important.

You can often find good offers in banks for pensioners with a higher interest rate. There are some good special offers or seasonal promotions that banks arrange for a short period of time.

Advice!

For example, if I wanted to save money for an expensive purchase, I would prefer a long-term replenishment deposit with monthly capitalization, albeit with a lower interest rate.

But in general, this method of investment, which includes bank deposits, is not the most profitable option today. The size of the rates has been significantly reduced compared to what it was for a couple of years. And to find, for example, a deposit at 10% per annum, you need to try very hard.

Moreover, you need to understand that there is such a rule: the more the bank offers opportunities for the deposit (for example, replenishment, capitalization, partial withdrawal), the lower the interest on this deposit will be.

Where and how to find information about banks?

There are a lot of banks that offer us their services in our country. And sometimes the search for a suitable bank can take a long time. I hope these simple tips will help you navigate this issue.

One of the ways to somehow navigate the choice of a bank is to look at its ratings. The ratings of Russian banks are mainly made by such Russian rating agencies as the National Rating Agency (NRA), Expert RA, Rus-Rating, AK&M, among which the Expert RA agency is considered the best.

Large international agencies (Fitch, Moody’s and S&P) work only with the largest Russian banks, and medium-sized banks do not fall into their field of vision.

You can also draw certain conclusions by reviewing the bank's credit reporting, which is published on the Central Bank website or on the Bank of Russia website. But to understand these reports, perhaps, only a specialist can do it. We, ordinary customers, can try our luck on the Banki.ru portal, where information is presented in a more accessible form, which can be understood even by a non-professional.

A warning!

The bank's reliability is determined by its financial indicators. For the analysis, we compare the current assets of the bank with the indicators that were a year ago and for the past and current month.

A sign of the bank's reliability and stability is large assets at the moment and their increase in comparison with previous periods. The amount of its own funds (authorized capital) also testifies to the reliability of the bank.

According to the information agency Finmarket, as of March 1 (as of April 1, the list has not changed), the list of the largest banks in Russia includes: AK BARS, Alfa-Bank, Bank St. Petersburg, Bank of Moscow, Russian Standard Bank, B&N Bank , Bank Vozrozhdenie, KB Vostochny, VTB, CJSC VTB24, GPB, MDM Bank, MInB, Credit Bank of Moscow, Nomos-Bank, Nordea Bank, Petrokommerts, Promsvyazbank, Raiffeisenbank, Rosbank, Rosselkhozbank, AB " Russia ”, Sberbank RF, Svyaz-Bank, CB Citibank, NB Trust, Uralsib, Khanty-Mansiysk Bank, HCF-Bank, UniCreditBank.

The need to assess the reliability of the bank based on the analysis of financial statements, paying attention to criteria such as deterioration or violation of the standards mandatory for a banking organization (which may lead to the revocation of the license), to not made own payments and difficulties encountered in paying off their own debts, to high turnover of cash, which is significant exceed the bank's assets and have no economic justification, for significant investments in mutual funds and shares (this may serve as a signal that the bank will have big problems in the near future), for any sharp decrease in balance sheet indicators without justified explanations.

Such information can be found in the reporting on the Central Bank website, in the media, on the portal. And although it seems to me that it is very difficult for an ordinary client to fully assess the reliability of a bank on the basis of such an analysis of specialized reporting, it is quite possible to understand some of the main points, which at least partially will help reduce the level of risks.

2. By the size of the bank. For large federal and regional banks, the expression “Too big to fail” is almost 100 percent applicable. Information about their assets, which testifies to the size of the bank, can also be found in the reports of analytical centers, in the ratings of Russian and international agencies. Of course, this does not exclude the fact that among small banks, there are those that deserve attention.

3. Bad news about the bank to whom you want to entrust your money (especially if this amount is more than 700,000 rubles). Negative information that may appear in the media or in the news feed on the bank's page on the Banki.ru portal (about 600 banks have such a page on the portal) should at least alert.

4. The drop in ratings which can be downgraded by rating agencies. The fact that credit institutions do not have a rating is also alarming (which may serve as evidence of the bank's unwillingness to provide information to rating agencies, trying to hide something negative).

5. At high rates on deposits. Inflated rates, which are significantly higher than the average level, or their sharp increase may be an indication that the bank does not have enough of its own funds. And, trying to attract more customers through more advantageous, at first glance, offers, the credit institution is trying to pay off its debts. This could be an indication of an increased risk.

How to understand if this rate is too high or not? In this case, one can focus on the results of monitoring the maximum interest rates (on deposits in rubles) in the top 10 credit institutions that attract the largest volume of deposits from individuals published by the Central Bank. In March, the maximum rate on deposits was 8.35%.

6. To change the work schedule. Reduction of the bank's working time (decrease in the number of working days and the period of work during the day), reduction of personnel - all this can serve as indirect signs of problems that have arisen in the bank.

7. For problems encountered when carrying out monetary transactions (for example, delays in withdrawing cash, closing deposits, quality of service), as well as massive closing of accounts by bank clients. You can find out about this from reviews on various forums.

Deposit insurance - additional security measures

What will happen to our deposit if, nevertheless, we made a mistake, and our bank went bankrupt or its license was taken away?

This question worries all investors. In the case of bank deposits, you should not be afraid for your savings if they do not exceed the amount of 700,000 rubles.

Since October 1, 2008, a system of compulsory deposit insurance has been operating in our country, and the banks themselves do this completely free of charge for clients. If such a nuisance occurs, and your bank is closed, within 14 days after the occurrence of the insured event, you will be refunded the amount of the deposit.

Deposit insurance system

In one bank, the maximum amount of compensation will be 700,000 rubles for all deposits. This point is worth paying special attention to.

That is, if you have several accounts opened in one bank for a total amount, for example, 1,000,000 rubles, in which case you will receive only 700,000 rubles. Therefore, it is more advisable to open accounts in different banks and make sure that the amount on them does not exceed 700,000 rubles.

For example, putting in two banks 500,000 rubles each, in the event of bankruptcy of these banks, you will receive all your money in the amount of 1,000,000 rubles. If it happens that the amount of the deposit still exceeds 700,000 rubles, the remaining money must also be returned.

But only all this will drag on for an indefinite period, and the return of money will be possible only after the liquidation of the bank and the sale of its property.

A government bill on increasing deposit insurance from 700,000 to 1 million rubles is now being actively discussed (in the first reading, this bill was adopted by the State Duma last year).

So how do you choose a reliable bank?

Before entrusting your money to this or that bank, be sure to check if the bank belongs to the Russian deposit insurance system. It is easy to do this: you can now find information on any bank on the Internet.

A warning!

First, select all banks in which all deposits are insured, and collect as much information as possible about all the banks that are in your city.

From this list, choose the deposits with the highest interest rates, after making a comparative analysis of profitability in different banks. The more you study the offers on deposits and deposits, the more chances you have to find the best option.

Find out if the bank provides fees and commissions for any additional services (for example, for replenishing a deposit, withdrawing cash, opening an account) and penalties in case of premature termination of the contract.

Read the contract carefully! The optimal solution, in my opinion, is the bank's reliability and a relatively high interest rate. But at the same time, do not forget that sometimes behind an excessively high rate there are big problems of the bank, which it is trying to solve at our expense.

A sensible approach, careful analysis and deliberate decision-making will allow you to make the right choice. But at the same time, you should not delay making a decision, you need to value your own time, money and effort. Therefore, we stop dreaming, build castles in the air and begin to act.

Deposits in Moscow at high interest rates in 2018: compare the rates and conditions of the most favorable bank deposits for individuals, including retirees, today.

Deposits at high interest rates in Moscow banks - 2018

Individual deposits are by far the most popular and demanded way of investing money. By giving our savings to banks, we hope not only to save, but also to increase our funds. That is why we try to choose such deposits, where the interest rates are the highest and the conditions are the most convenient.

Today banks in Moscow offer a large number of different types of deposits for individuals. But all of them can be roughly divided into several large groups:

Time deposits at the maximum interest rate. By opening such a deposit, you give the bank money for a certain period (3-6 months, 1 year or 3 years), and at this time you cannot withdraw money without losing the accrued interest, or replenish the account. As a rule, such deposits have the highest rates.

Refillable deposits. By opening such a deposit, the depositor can save money by replenishing the account, and at the same time the interest grows. However, it is impossible to withdraw at least a little money from the account and not lose income.

Expenditure deposits with partial withdrawal of funds without loss of interest. These deposits have the lowest interest rates. But they make it possible to take part of the funds up to a previously agreed upon minimum balance, on the amount of which interest will be charged in this case.

The most profitable deposits in Moscow in rubles in 2018

In this comparative table, we have collected ruble deposits of individuals with the maximum interest rates offered by Moscow banks today.

Bank International Financial Club "Confident Choice" Deposit

Natsinvestprombank Deposit "Choice of Success"

See what interest rates on deposits offers today

Bank ZENIT Deposit "Dessert (online)"

Bank Cranberry Deposit "My profitable"

Bank Standard Credit Deposit "Urgent-Lux"

Inkarobank Deposit "Opening Time"

See the conditions on which you can open a deposit in the bank today

Ziraat Bank Moscow "Urgent" deposit

Bank New Age Deposit "VIP Replenish"

Inkarobank Deposit "High interest"

Deposits in Moscow at maximum interest in dollars

In this comparative table, we have collected dollar deposits of individuals with the maximum interest rates offered by Moscow banks today.

Bank "Saint Petersburg" Deposit "Strategist online"

SMP Bank Deposit "Strategy"

B&N Bank "Investment in the future (Savings insurance)"

Alfa-Bank Deposit "Pobeda + (package Maximum +)"

Inbank Deposit "Maximum"

Bank Tavrichesky Deposit "Tavrichesky Maximum (online)"

Orient Express Bank Deposit "Vostochny (tariff zone 1)"

Promtransbank "Urgent Currency" Deposit

Mosoblbank Deposit "Personal"

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

Choosing a bank in Moscow for making a deposit, today you should first of all assess the size of the interest rate and the quality of customer service. If earlier experts recommended choosing the largest banks as the most reliable, then the current situation in the financial sector shows that practically no one is insured against a fall. Of course, except for systemically important banks, which the Central Bank will most likely save in any case.

Fortunately, the Deposit Insurance Agency (DIA) has been operating in Russia for a long time, so there is an opportunity to get your money back even if the bank bursts.

How to open a bank deposit correctly

In pursuit of a high percentage, now you can secure your savings by choosing not even the most reliable bank for a deposit. Today, it is more important to properly distribute savings so that the total amount of deposits of individuals in one bank does not exceed the amount that the DIA will return to you in the event of a license revocation. It is better to split a large amount into parts and spread it out among several banks in Moscow at the most favorable interest rates.

You should also not open large deposits in one bank for yourself and close relatives. In the event of an insured event, you may be accused of allegedly wanting to deceive the DIA in this way.

It is also important to make sure that your deposit is really opened and recorded in the bank's accounting department, and not taken off the balance sheet (there have already been such cases), otherwise it will be difficult to prove the presence of a deposit.

Best interest rates on deposits in Moscow

Choosing deposits in Moscow banks with the highest interest rates, we immediately cut off replenished deposits and those that involve partial withdrawal of money. Stops on deposits of individuals placed for a certain period: a month, three months, six months, a year, etc. If it seems to you that the maximum interest on a deposit in rubles can be obtained if you make a deposit for a long period, for example, 3 years or even 5 years, then you are mistaken. Today, the most profitable are term bank deposits for six months or a year. You can make a deposit for this period in order to get the highest rate, and then withdraw the money and put it back, possibly in another bank in Moscow, which at that time will offer a more favorable interest rate.

Investment deposits in Moscow with maximum interest

Fighting for clients' money, banks have recently been increasingly offering so-called investment deposits. According to their terms, the client, simultaneously with the registration of a bank deposit, acquires, for example, securities or transfers a certain amount to a mutual investment fund. The interest rate on such deposits is usually higher than on others. But before you are tempted by a large income, clarify whether the money invested in mutual funds or securities will be returned to you if the bank loses its license. And then think about whether you are ready to risk your savings or it is better to choose a less profitable way of investing money, but more reliable.

Profitable deposits in Moscow banks with increased interest rates

When choosing the most profitable deposit, check the possibility of opening a deposit online. Often, when opening via the Internet, the bank charges a premium to the interest rate.

In addition, deposits in Moscow banks for premium clients have a higher percentage. Getting a package of services with privileges can be beneficial for you. At the same time, in order to become a premium client of the bank, it is not necessary to have millions on the account, sometimes it is enough to purchase a platinum card, which may be really convenient for you.

In a word, if you want to invest a large amount, then compare which will be more profitable for you: several deposits in not very stable banks at a high interest rate or a premium deposit in the amount of 1.5 million rubles or more in a reliable bank with state participation.

Find out more about the conditions and interest rates of the best deposits of individuals in Moscow on the official websites or at the branches of banks. The information is not a public offer.

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Deposit account rates. Reliable banks with a high interest on deposits. Common mistakes when choosing a deposit