Foreign currency deposit rates. Deposits in foreign currency. Where are the best rates on foreign currency deposits?

A person's desire to receive additional income from your savings is quite understandable. If you have savings in foreign currency, you can place them on deposit. At the same time, it is very important to choose the right bank to which you entrust your money.

Moscow is a huge metropolis where most Russian banks have branches.

In order to determine the most reliable one, pay attention to the following criteria:

1. Is he a member mandatory system deposit insurance.
2. Based on ratings from leading rating agencies.
3. Reviews from his clients, which can be read on numerous financial websites.

In this article:

Top 3 most reliable and stable banks in the capital

By assets and size deposit portfolio individuals The top three looks like this:

• Sberbank of Russia.
• VTB 24.
• Gazprombank.

By placing a deposit in these banks, you will not worry about the safety of your savings.

The most profitable foreign currency deposits from Moscow banks

To determine the best five, we indicate the initial data. Let's say we decide to open a deposit in the amount of $5,000. We agree to conclude the contract for 6 months. Payment of interest at the end of the terms. Replenishment operations and partial withdrawal we won't do it. In most cases, maximum interest rates are set for deposits with such characteristics.

Deposit calculator

Deposit amount

Interest rate (%)

Deposit term (months)

Monthly interest

Reinvested withdrawn

So, we present to you the TOP 5 most profitable dollar deposits:

1. Globex Bank is in first position., which offers 3.3% per annum. Over six months, the client will receive income on the deposit in the amount of $82.
2. The second place in the ranking is occupied by Tender Bank.. They offer to place the “Classic Deposit” at 3% per annum. For 6 months the client will be paid 75 dollars of interest.
3. Bank Ugra closes the top three and his “Multi-currency basket” deposit. The interest rate on the deposit is 2.6% per annum. The client's income is $65.
4. The fourth position belongs to Russian Standard. By deposit " Maximum income» The rate is 2.5% per annum. The investor will receive interest of $62.
5. Binbank is in last place in our TOP 5. A dollar deposit in this organization can be placed at 2.4% per annum. With $5,000, the client will receive an income of $60.

They offer their investors much lower rates:

• Sberbank of Russia - 0.7% per annum.
• VTB 24-0.55% per annum.
• Gazprombank - 1.5% per annum.

Having a huge customer base, they can afford to set minimum interest rates.

What should every investor remember?

1. Carefully read the terms of the deposit agreement, check the accuracy of your personal data, the amount, currency of the deposit and the size of the bet.
2. Tax from interest income the depositor is obliged to pay only if the rate on a foreign currency deposit exceeds 9% per annum. But in practice such rates do not exist.
3. Choose the “golden mean”: do not agree to too high interest rates, but you should not invest money at the minimum interest rate.
4. Open an account only in those banks that are participants in the deposit insurance system.

Due to the unstable economic situation, many are afraid of losing their savings due to the collapse of the ruble exchange rate, so they store them in dollars, euros or other foreign currencies, as well as in several at once. You can add to this strategy the opening of a foreign currency deposit, and you can not only protect your money from depreciation, but also receive an additional source of income.

Interest on multicurrency deposits

Deposits in foreign currency solve two problems that you may encounter:

• if the ruble exchange rate collapses, then all your savings, no matter how large they are, will immediately depreciate: the amount that was enough to buy an apartment may not be enough for the cheapest things;
• if you keep your savings at home, then everything can be stolen from you, you can lose them, etc.: foreign currency deposits in banks are insured, so even in the event of unforeseen situations (bank robbery, bank closure), you are guaranteed to receive a significant part of your deposit back .

Interest on deposits in foreign currency will allow you to gradually increase the amount placed on deposit. If the contract also stipulates periodic capitalization of your deposit in foreign currency, you will receive even greater profits.

This attractive banking services there is only one minus: low rates on deposits in foreign currency. This is all connected with the same possible exchange rate fluctuations: if the ruble suddenly depreciates, then in equivalent with foreign currency the bank will be obliged to pay huge interest on foreign currency deposits. Therefore, absolutely all banks (Sberbank, VTB, etc.) play it safe and initially offer the lowest interest rate.

The way out of this situation is to open a multi-currency deposit. When registering it, you will divide your capital into different currencies (for example, rubles, euros and dollars) and place it on deposit in foreign currency deposits. Under such programs, banks are ready to offer higher rates.

Which bank is better to open a deposit in foreign currency?

Despite the abundance of offers for opening deposits in foreign currency, finding a suitable option is quite difficult: you need to carefully study each program, calculate all the conditions, etc.

A special calculator of individual deposits in foreign currency, which you will find on this page, will help you cope with this task:

1. Enter your wishes for the deposit (amount, term, additional conditions).
2. Click on the search button.
3. The system will show you full list current deposit offers for 2019, and you can quickly study everything and make the right choice.

To open multicurrency deposit or a deposit in one foreign currency, you can immediately submit an online application and proceed to registration.

To open a deposit, you need to carefully study the deposit rates and other conditions. To reduce your search time, you can use our website. Here are suggestions for investments with high interest rates on deposits in. But this is not the only parameter for successful financial investments.

To use capital profitably today, it is not enough to find a deposit for high interest rates. It is desirable that other parameters multiply income: you need to make a deposit that can be replenished. Deposits in Moscow banks with capitalization will allow you to use more efficiently down payment. An important point: is it possible to withdraw money from the account early? And if so, will the accumulated interest be saved? Or will they burn?

How convenient is it to search for deposits in Moscow on the website?

Here you can find deposits not only in rubles, but also in other popular currencies for investment - euros and dollars.

On our portal you can compare the conditions of different credit institutions cities - interest on deposits in Moscow banks, terms, possibility of replenishment and capitalization of interest. In addition, you can find out about deposits in other large cities of Russia. To find a suitable option you need:

• set up search filters;
• choose the appropriate one from the proposed options;
• send an application or call the bank to clarify information.

Citizens who have free money in Russia invest it in various areas, including putting it in a bank.

One of the passive investments are deposits in foreign currency. The dollar or euro is considered more stable compared to the ruble in Russia.

In addition, they are more reliable: their exchange rate drops slightly. Further sale of currency after the end of the contract will bring benefits to the investor.

Advantages and disadvantages of deposits in foreign currency

Currency deposits are funds deposited in a bank. Interest is charged on them. The advantages of foreign currency deposits include the following:

1. Forming a basket different currencies, the investor is doing the right thing. It reduces: if, this is compensated by an increase in the dollar or euro.
2. In Russia, credit institutions offer various deposit options: not necessarily in dollars or euros, but also in other currencies, for example, yen.
3. It is best to invest money in foreign currency if the investor does not make part of the purchases.
4. Most banks offer to open a deposit in foreign currency. Its minimum amount ranges from 50 euros or dollars.

Important: You can deposit money into the bank's cash desk in national currency.

According to the conditions: replenishment, partial withdrawal, account management remotely, deposits in foreign currency are no different from Russian deposits.

In addition, deposit insurance by the state (limited to 700,000) foreign deposits does not apply.

Financial currency investments have one drawback: their interest rates are much lower than their ruble counterparts.

Important: When opening foreign currency savings in any season, you should pay attention to certain nuances. Banks offer clients to arrange for their comfort. But its maintenance is very expensive, and the commission charged for this will reduce profits. When drawing up an agreement, you need to carefully study the provisions related to servicing a foreign currency account.

Types of deposits

They are classified according to placement periods:

1. Poste restante.
2. Time deposits (savings and savings).

On demand – the investor has unlimited access to savings: funds are withdrawn from the account upon the clients’ first request. He can also deposit or withdraw money.

Important: if an investor may need currency at any time, he usually places a demand deposit. But it does not bring high income.

We replenish the savings deposit according to its conditions, but not the savings deposit. Savings deposit highly profitable, but has one drawback: the investor upon termination contractual relations with the bank in ahead of schedule loses interest.

The conditions for its placement in different credit institutions may differ from each other. In addition, the interest payment mechanism is different (for example, with a fixed rate).

Important:a savings deposit will be beneficial to those citizens who plan to save a large amount of foreign currency, for example, for subsequent expenses. In order to increase profits, you must choose banking product with provisions for capitalization of % and the condition for replenishing the account.

How is deposit income generated?

In Russia and all over the world, by investing money in a bank account or in other objects, each client receives income. For deposits, it is formed from several sources:

1. Difference in exchange rates for euro, dollar, etc.
2. The interest rate charged by the credit institution on the amount of the deposit for the use of the client’s money.

Foreign currency savings and their features

In Russia, for example, in the city of Orsha, in most banks that attract currency in deposits, low interest rates.

Experts attribute this phenomenon to the instability of the domestic economy and jumps in the domestic currency over a wide range of prices compared to the dollar or euro. Typically the percentage for the products in question ranges from 2 to 4%.

Important: the bank can offer more high bid by percentage, but an excessive figure should alert the citizen.

Although the competition that exists between credit institutions, forces them to raise interest rates. But high percentages can be obtained for amounts over 10 thousand US dollars and an investment period of at least three years.

In the short term, but mostly in long-term deposits, % on them must be calculated according to the scheme of the sum of the bank's % and the growth of the currency at the existing rate.

The annual percentage is higher, and this circumstance attracts clients to this type of deposit, although it is unrealistic to fully calculate and guarantee their profitability. This is due to the instability of the global economy.

Investors often choose a multi-currency deposit among the types of deposits. It means that the bank opens several accounts for the client for one deposit.

Interest accruals from banks are carried out for each currency separately. Transfers between accounts are allowed at the ruble exchange rate established by the Central Bank.

The advantage of these investments is their protection from instability, including on financial market. But to open these deposits in Russia you need financial investments free cash to a large extent.

Some nuances of foreign currency savings

In Russia, there has recently been a tendency for regulators to revoke licenses from commercial banks. If this situation, negative for the investor, occurs, the funds are returned to him not in foreign currency, but in rubles, recalculated at the exchange rate.

The amount is paid to the depositor 14 days from the date of official publication of information about the revocation of the license. A similar situation occurs with interest on deposits.

In Russia, income tax is levied on deposits. Personal income tax rate 35%. If the profitability of deposits is up to 16% per annum, the deposit is not subject to taxation. This should be taken into account. Banks, when communicating with a client about the terms of the agreement, miss this detail.

Parties to the agreement

A bank is a credit organization that has the right to attract funds from the public. In addition, the bank has many areas of activity. The work permit is issued to the bank by the Central Bank of the Russian Federation.

When applying to a bank to conclude an agreement of the same name, a citizen-depositor must be 18 years of age. In addition, he provides a passport (should not be).

The initial amount of currency sufficient to open a deposit varies. It all depends on the conditions of the specific banking offer.

Usually minimum size The deposit made to the bank is from 50 to 100 dollars or euros. It is not necessary to bring only currency to the bank; rubles are also accepted for the deposits in question. They will be converted at the Central Bank rate into the currency chosen by the bank visitor.

In Russia, not only a resident of the country can be an investor. For foreigners, it is enough to present a passport and migration card to the bank and confirm on what basis it is in the country. There are several ways to deposit money into an account opened in the applicant’s name:

• cash register;
• ATM;
• Internet banking.

Important:An investor, when opening a deposit, pursues the goal of generating income. To increase profits, you should put money for 2-3 years. In any case, when contacting a bank and concluding an agreement, first of all, you need to decide the best option investment program.

What deposits are popular in our country?

US dollars remain in the lead. The euro is in second place. Experts advise opening a deposit in three currencies: dollar, euro and ruble.

This will help diversify the investor's risks, and a small income received in one currency will be offset by a higher profit in another.

We must not forget that the investor must constantly monitor not only the Russian economic situation, but also in the world.

What you need to know about foreign currency deposits

A bank deposit, or deposit, is money temporarily placed in a bank for the purpose of saving and generating income.

Most profitable bank deposits characterized by high interest rates. To get the most income, we recommend paying attention to the following types of deposits:

• Seasonal promotions, or seasonal deposits. The rates here are higher compared to regular deposits, plus you can take part in a drawing for prizes and gifts. For example, Svyaz-Bank gave a gift to each client who opened a “Champion” deposit, commemorative coin, released in limited edition. And holders of a fixed-term one-and-a-half-year “Smart Deposit” from TKS Bank received the right to compensation for purchases made in Svyaznoy showrooms or online store using a bank card or its details.
• Online deposits. In addition to the fact that an online deposit (as it is also called) makes it possible to use and replenish a deposit without visiting a bank, the interest on it is several points higher than on regular deposits, because the bank saves money in this way human resource. Online investors can also count on a gift or bonus.
• With the possibility of transfer from another bank. Some banks, when transferring funds to a deposit account from another bank, additionally give the client 1–1.5% of the transferred amount, which should compensate the depositor for the commission charged for an interbank transfer. But often the amount of compensation exceeds the amount of the commission and, thus, the investor can receive additional income.

Types of deposits

Based on the account currency, deposits are divided into: ruble and foreign currency (in one of the selected currencies), as well as multi-currency (several types of currencies are placed on one account at once).

Also, deposits may differ in the period of placement of funds:

• Urgent, implying a certain period of storage of your funds: from several months to several years. Replenishment or partial withdrawal of money in this case is unacceptable, but after the agreed period, the investor receives the entire invested amount along with interest.
• On demand, when the deposited amount is returned to the depositor in whole or in part upon his first request. The interest rate here is much lower than time deposits, which is due to the bank’s risks.

Depending on the availability of options, the deposit may vary. With the capitalization of interest income - the addition of interest to the deposit amount, as a result of which, with each new billing period, “interest is accrued on interest.” If they are not paid, but added to the deposit amount, then in the next period interest will be accrued on a larger amount. Replenishable - this banking product is suitable for those who want to accumulate a certain amount by a specific date. Replenishable deposits also come with or without interest capitalization. It may also have the possibility of partial withdrawal of money. These deposits allow the client to manage their savings without losing interest, and the rates on them depend on the amount of the minimum balance. Its level is determined by the bank, often equal to minimum amount contribution.

Interest rates on deposits

The amount of interest on the deposit is influenced by: the type of currency (rubles, dollars, euros), the amount of the deposit and the placement period.

As a rule, than larger amount and the longer the term, the higher the rate the bank will offer. The maximum profitability is provided by deposits for 2-3 years - most credit institutions plan their activities for a limited number of years, and beyond this period economic uncertainty (risks) sets in, which forces banks to lower the rate.

The maximum deposit rate often implies the absence of additional options, such as replenishing the account or early withdrawal of funds. Taking into account all the components, the most profitable deposit is selected.

Deposit insurance

All deposits up to 1.4 million rubles are insured by the deposit insurance fund. This amount applies within each credit institution. For example, you can have deposits in several banks, none of which exceed the above amount, and then in the event of force majeure you can count on payments in full. If one bank stores much large amount funds in your name, then insurance payment will be exactly 1.4 million.

Choosing the optimal deposit - calculator

Find the most advantageous offer You can use the Sravni.ru deposit calculator. To do this, you need to specify only three parameters in the calculation: amount, currency and placement period.

As a result, the service will find and compare all suitable offers, ranking them by profitability, in which the higher the position, the more profitable the product.

Selecting a bank for deposit

What should you pay attention to when choosing a credit institution to place funds? We advise you to consider the following points:

• Bank rating. When compiling them, experts rely on the reporting of credit institutions, as well as on the opinions of consumers. The purpose of this work is to assess the degree of reliability of banks.
• Convenient location of bank branches and the ability to top up accounts through ATMs, which is especially important for owners of replenishable deposits.
• All the terms of the contract that you are asked to sign, including those written in small print.

How to open a deposit?

So, you have chosen the optimal deposit for yourself. Now you need to go to the bank office with a passport or other identification document. After a thorough check, sign the agreement drawn up by the bank employee. Deposit money into your account through a bank cash desk.

The whole procedure takes on average 10-20 minutes. Happy placement!