A reliable bank with a high interest rate on deposits. In which bank to open a deposit at a high interest rate? Concessional loans for small businesses

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 under high percent... 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 is known, state system deposit insurance 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!

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.

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 most small percentage, 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 " Savings account"Up to 6.49% on the deposit" Save "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 contributions for the owners of the Sberbank First and Sberbank Premier service packages - Save Special, Replenish Special and Manage Special with higher 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 interest payment scheme (at the end of the term, monthly, etc.), and the minimum amount (from 10 to 1000 rubles) is “within the leverage” of any person.

VTB 24

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

1. 3 deposits opened in bank branches - Comfortable, Accumulative and Profitable at rates from 0.01% to 7.75% per annum.
2. 3 deposits opened remotely in the Internet bank - Comfortable-online, Savings-online and Profitable-online at rates from 0.01% to 7.90%.
3. 3 contributions for special conditions for owners of the Privilege service package with increased interest rates, which are calculated individually for each client.
4. 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 ( maximum rate- 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 until January 31, 2017 for 400 days, implies 4 interest period... 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% on dollar accounts and up to 1.25% on 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 capitalization options, 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 maximum profitable investment funds 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 into custody cash from them.

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 reduction in the key rate since December 16, 2014, when it was set at 17%.

Some confusion is introduced by the concept of "refinancing rate", which is also used when lending to private financial institutions, but since the introduction of the key rate, that is, since September 13, 2013, it has been 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 monetary policy Bank of Russia ".

In addition to the above, it should be noted such 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 percentage on the deposit among the TOP-10 banks in terms of the volume of attracting deposits in Russian rubles.

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

1. Sberbank of Russia;
2. "VTB 24";
3. "Bank of Moscow";
4. Raiffeisenbank;
5. Gazprombank;
6. B&N Bank;
7. "Alfa Bank";
8. Bank FC Otkritie;
9. Promsvyazbank;
10. 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 16%, but there are all prerequisites for a 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 under good interest, which in the future may not be found.

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 on this moment the euro and dollar rates 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% (the profit from such a deposit will not even cover the 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 offer the most profitable terms placement of 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 said, Better conditions 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 key rate up to 17%, thereby causing an increase in interest rates on deposits 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 rate on deposits (11%) is offered by Russian Standard Bank for a period of 1 year, interest is paid at the end of the agreement.

"Moscow Credit Bank"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, than larger bank, the lower interest rates on deposits he 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: average annual percentage 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 conditions 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 your health. banking: inefficient banks will be automatically pushed out of 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, here are offered following conditions on deposits. 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 contributor can open a deposit with this 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 is simply explained: firstly, this is another small step towards mastering the basics 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 Everyday life we most often come across banks and bank deposits. Perhaps almost every person has at least a small bank "stash".

We do not experience stress when we give our money to the bank. And we are not afraid of losing our money, because, you see, the risk is minimal here.

And here no special psychological preparation is required, which is simply necessary when investing in more risky financial instruments such as real estate, mutual funds, Forex, Pamm accounts, investments in 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 which 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 are still and in most cases in the desire to save money "for a rainy day" or to save some the required amount money we open a deposit account in the 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 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:

1. from the term of the deposit - demand deposits and time deposits
2. from the possibility of replenishment - rechargeable and non-rechargeable
3. 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 certain period (from 1 month to several years), interest is paid upon the expiration of the agreed 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 original amount of the deposit, while the interest on the deposit can be partially charged.

Some banks at early termination agreements can return 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 you can deposit additional amounts, 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.

Peculiarity multicurrency deposits: on one account can be placed in different currencies several amounts, for each of which its own percentage will be charged.

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 interest rate, but there are exceptions (this applies to deposits with interest capitalization and prolongation).

How is interest calculated on deposits?

1. The first option: at the end of the term of the deposit, interest is charged on the original amount.
2. 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.
3. 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 performed 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 more than low interest, 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 placing a deposit on 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 at the expense of high interest, 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, such a way of investing, which includes bank deposits, today is not the most profitable option... 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.

And you need to understand that there is such a rule: how more bank offers opportunities for a 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 composed of 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 clients, 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 performance... For 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 current moment and their increase in comparison with previous periods. It also testifies to the reliability of the bank, the amount of its own funds(authorized capital).

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 do not have an 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. To 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 that significantly exceed 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, you 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 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 staff - all this can serve as indirect signs of problems that have arisen in the bank.

7. For problems encountered when conducting 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, the system has been operating in our country compulsory insurance deposits, and the banks themselves do it completely free of charge for customers. If such a nuisance occurs and your bank is closed, within 14 days after 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 the bank's affiliation to Russian system deposit insurance. 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, having previously made comparative analysis by 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.

The largest deposit rates in Moscow banks from the top 10 are presented on this page. You can compare and choose a deposit at the maximum interest rate for today, in 2020.

A bank deposit for individuals today is one of the most affordable tools for investing savings. By opening a deposit, you keep your money in a safe place, receive a small income from it, and also have quick access to it if necessary.

Most of the deposits, which are issued at maximum interest rates, have common features. They cannot be replenished, and partial withdrawals without loss of interest are also prohibited. The only exceptions are short-term deposits for a period of 1-3 months. But they, in general, are not time deposits, but savings accounts with no time limit for investing savings.

When choosing a deposit, of course, first of all, everyone looks at the percentage offered by the bank. Below are the most profitable deposits for individuals in Russian banks from the top 10 today, as well as their decoding by maturity:

• 1 month;
• 3 months;
• 6 months (six months);
• 1 year (12 months).

Deposits with the highest interest rates for today

Thinking where to invest money in 2020 so that it works, many are wondering: which bank has the highest interest on deposits today. But when opening a deposit account with a bank, you should pay attention not only to the interest, but also to the conditions of this deposit, such as the minimum amount and term.

Deposit calculator

Deposits at the maximum interest rate in top-10 banks

"Profitable approach"
ICD

7,3% bid

from 50,000 sum

375 days term

For those who open IIS
No replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"Takeoff"

up to 7.0% bid

300000 — 500000 sum

from 1 day term

Replenishment
Partial withdrawal
Without capitalization
Interest monthly

"For life"
UniCredit Bank

up to 6.17% bid

from 100,000 sum

368 - 1800 days term

Registration of ILI or NSJ
No replenishment
Without partial removal
Capitalization monthly
Interest monthly

"Profitable"

up to 5.55% bid

from 3000 sum

31 days. - 3 years term

No replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"Reliable Promo"
FC Otkritie

up to 5.5% bid

750 000 sum

1 year term

No replenishment
Without partial removal
Capitalization monthly
Interest monthly

"My income"

before 5,25% bid

from 100,000 sum

122 - 731 days term

Replenishment
Without partial removal
Capitalization at the end of the term
Interest at the end of the term

"150 years of reliability"

before 5,1% bid

from 500,000 sum

3 - 36 months term

No replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"For saving"
Gazprombank

up to 5% bid

from 15,000 sum

3 months - 3 years term

No replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"Growth time"
VTB Bank

up to 5.0% bid

from 30,000 sum

180 - 380 days term

No replenishment
Without partial removal
Capitalization monthly
Interest monthly

"Victory +"

up to 4.92% bid

from 10 000 sum

92 days. - 3 g. term

No replenishment
Without partial removal
Capitalization
Interest monthly

"Save"

up to 4.54% bid

from 1,000 sum

1 month - 3 years term

No replenishment
Without partial removal
Without capitalization
Interest at the end of the term

Deposits with a maximum interest rate for 1 month

Deposits with a maximum interest rate for 3 months

	Bank / Deposit
7%	"Takeoff"
5,32%	Gazprombank "Savings account"
5,27%	"In reserve"
5,22%	FC Otkritie "My piggy bank"
5,02%	"Savings account"
5%	Credit Bank of Moscow "All inclusive Maximum income"
4,82%	"Victory + Premium"
4,51%	VTB "Money box"
3,96%	"Save"
3,81%	UniCredit Bank "First class"

High interest deposits for 6 months

High-interest deposits for 1 year

If you need to withdraw all the money from the deposit before the end of the term, you can do this at any time. However, interest will most likely not be charged!

What is the safest amount to open deposits for?

According to Russian legislation deposits up to 1,400,000 rubles are insured if the bank participates in the deposit insurance system. If the license is revoked from such a bank, the Deposit Insurance Agency through agent banks fulfills its obligations to its depositors within the established limit. This is the meaning of guaranteeing the safety of savings entrusted to the bank.

In a word, if you invest less than 1,400,000 rubles, then you can choose the highest interest on bank deposits- if the license is revoked, of course, you have to get nervous, but the money will still be returned.

Refunds over the specified amount are not guaranteed, so if you keep more than 1,400,000 rubles in the bank, then you are assuming an increased risk.

Find out the exact conditions and interest on deposits in branches or on the official websites of banks. The data are presented for informational purposes only, they are not a public offer.

DeloBank is an online branch of SKB-Bank. It offers business services. We will tell you how to open a checking account with DeloBank in the article.

For legal entities

Sberbank franchise catalog

Sberbank continuously continues to increase the number of services offered to small businesses. An example is a catalog of franchises. Let's figure out what a franchise is and why does Sberbank need such a list.

Topical

By 2021, Alfa-Bank intends to become the first in Russia in three areas

On April 4, 2019, the press service of Alfa-Bank announced the approval of a development strategy for three years - from 2019 to 2021. In the article we will talk about what goals the largest private bank in Russia plans to achieve during this time.

SMS informing: peace of mind for free and for money

When choosing banking product SMS service, as a rule, is not among the priority factors influencing decision-making. However, in-depth knowledge of this service will be useful. In this article, we present the results of a study of the cost and functionality of SMS messaging offered by Russian banks.

Underwater rocks

Comprehensive examination: who will be interested in your credit history

If the bank wants to know if the future client is paying off the debts in good faith, he makes a request to the bureau credit histories... Who else has the opportunity to request a CI and why it is needed, we will tell in the article.

• New Product

  Bank "Russia" presents the deposit "Spring mood"

  Clients of Rossiya Bank got the opportunity to apply for the Spring Mood seasonal deposit with a yield of up to 5% per annum. The most attractive rate is provided when placing at least 10 million rubles for 1 year (367 days). The deposit can be made for a period of 31 to 367 days. The amount to be placed is at least 3 thousand rubles.

  06 March 2020

• Changing rates

  Energobank has revised the terms of deposits

  Energobank announced a change in the conditions for placing ruble deposits. The rate on the Pension Mood deposit is currently 5.1% per annum. The minimum amount for placement under the program is 5 thousand rubles. The term for placing funds is 200 or 367 days. The maximum rate on the Convenient deposit is now 4.7% per annum.

  18 Feb 2020

• New Product

  Expobank presented its contribution "Bright Winter"

  The range of Expobank's deposit services has been supplemented with a seasonal product "Bright Winter". The deposit is divided into 3 periods, each of which has an individual rate of return on the funds placed: 5.75% per annum - from 1 to 181 days, 6.75 percentage points - from 182 to 271 days, 7.25% - from 272 to 366 day. The minimum amount to be placed within

  10 Dec 2019

• Changing rates

  Sovcombank has revised rates on mortgages, on deposits and on the Halva card

  A mortgage in Sovcombank can now be obtained at a rate of 8.69% per annum. The amount of the housing loan is no more than 30 million rubles (can be increased on an individual basis). Loans are provided for up to 30 years. It is possible to arrange a loan for two documents. Loan Application considered within 1 business day.

  19 Nov 2019

• New Product

  Roscosmosbank introduced new deposits for individuals

  Roskosmosbank's clients can use two new deposit programs of the financial institution. The Comfort deposit in the Head Office and in the Cosmodrome-Plesetsk branch can be arranged on the following conditions: The minimum amount of placement is 30 thousand rubles or 500 dollars / euro. The deadline for placing funds is 365 days maximum

  11 july 2019

• Banking discussions

  Armed Forces of the Russian Federation: the case of controversial deposits

  I disagreed with the manager's arguments about the absence of an agreement between Belous and Ekaterininsky. Supreme Court... At the meeting, the plaintiff said that he spoke personally with the president of the bank regarding the opening of deposits. In his office, he handed over the money and received cash receipts. Contracts were signed by those that were offered to him, and he

  03 May 2019

• New Product

  Renaissance represents the contribution of the "Double Benefit"

  Bank Vozrozhdenie offers to register the Double Benefit deposit. The maximum profitability of the new deposit service is 7.98% per annum (including capitalization). The rate is provided when placing funds for 1 year. The minimum amount for placement is 50 thousand rubles. The "Double benefit" deposit is made out after the conclusion of the agreement

  01 Apr 2019

• Actual

  Last year, in order to attract depositors, some Russian banks set favorable conditions and then “tightened the screws”. This practice has attracted attention supervisory authorities- The Central Bank and the Federal Antimonopoly Service, which have prepared a joint warning letter for credit institutions. Anti-monopoly authorities and the regulator find it wrong

  11 Jan 2019

28May

Money is not only a tool for making settlements. They should not only be preserved, but preferably also. One of the most effective ways to increase the amount of savings are deposits. Many banking organizations offer them to open, of course, on different terms. How to choose deposits that are profitable for yourself, we will discuss today.

Contribution: concept and essence

A deposit is a certain amount of funds that you transfer to a banking organization in order to receive income in the form of interest. It is easy to become a depositor: you should conclude an agreement for the placement of money in rubles or another currency in a bank account.

Any citizen has the right to place a deposit for individuals, regardless of his social status and financial situation.

TOP-20 banks where you can open a deposit

We will analyze the conditions for opening deposits according to several criteria.

We also immediately note important information: all data regarding interest rates and opening conditions were obtained from the official websites of banking organizations. It can be changed, supplemented, this is the prerogative of banks.

Tinkoff Bank

1. Minimum contribution- 50,000 rubles;
2. Minimum placement period- 3 months;
3. Maximum placement period- 24 months;
4. Minimum% rate – 5,5%
5. Maximum% rate – 8,8%;
6. Accrual%- to a deposit or, at the request of the client, to a card;
7. Replenishment- regardless of time, via the Internet;
8. Removal in parts- regardless of the time, as it is convenient for you.

Summary: ease of opening, the ability to withdraw and replenish the account at any time, quite a lifting amount of the contribution. The bank participates in the deposit insurance system, which we mentioned today. Of the pleasant bonuses, it can be noted that everyone who opens a deposit becomes the owner debit card jar. It is also possible to open a deposit in different currencies.

1. Minimum contribution- 1 ruble (depends on the type of deposit being opened);
2. Minimum placement period- 30 days ("Save" deposit);
3. Maximum placement period- 36 months;
4. Minimum% rate – 3%;
5. Maximum% rate – 7%;
6. Accrual of% - occurs depending on the type of deposit;
7. Replenishment - Maybe;
8. Removal in parts- allowed.

Summary: the bank is undoubtedly reliable, stable, supported by the state. Participates in the deposit insurance system, you can open a deposit without visiting the office in person. At the same time, we note that interest rates leave much to be desired.

VTB 24

1. Minimum contribution- 200,000 rubles;
2. Minimum placement period- 90 days;
3. Maximum placement period- 60 months;
4. Minimum% rate – 4,10%;
5. Maximum% rate – 7,4%;
6. Accrual% - every month;
7. Replenishment - Maybe;
8. Removal in parts- possible (deposit "Comfortable").

Summary: the amount of the first installment is large, not everyone can make it. The number of available deposits is small, but this can hardly be counted among the negative aspects. At the same time, there is an opportunity to withdraw funds ahead of schedule, as well as to replenish the deposit.

1. Minimum contribution- 10 rubles (deposit "On demand");
2. Minimum placement period- depends on the type of deposit;
3. Maximum placement period- depends on the type of deposit;
4. Minimum% rate – 0,01%
5. Maximum% rate- 8.75% ("Investment" deposit);
6. Accrual% - every month;
7. Replenishment - yes, for deposits "Managed", "Cumulative", "Pension income"
8. Removal in parts- yes, for deposits "On Demand" and "Managed".

Summary: the amount of the initial payment is available to everyone, there are no restrictions on the terms of the deposit.

1. Minimum contribution- 1000 rubles;
2. Minimum placement period- 3 months;
3. Maximum placement period- 2 years;
4. Minimum% rate – 7,25%
5. Maximum% rate – 9,0%
6. Accrual% - at your choice (every month or capitalization);
7. Replenishment - Maybe;
8. Removal in parts- not for all types of deposits.

Summary: not all deposits are available for replenishment, cash for withdrawal must be ordered several days in advance. Positive aspects: you can manage your deposit without visiting the office.

1. Minimum contribution- 100 rubles (for the Pension deposit);
2. Minimum placement period- 90 days;
3. Maximum placement period–1095 days;
4. Minimum% rate - 0.01% (on demand deposit)
5. Maximum% rate- 7.8% (on the "Vacation" deposit);
6. Accrual% - at the end of the term;
7. Replenishment - Yes;
8. Removal in parts - only on the "Dynamic" deposit.

Summary: the bank is a member of the deposit insurance system, there is the possibility of personal consultation.

1. Minimum contribution – 10,000 rubles;
2. Minimum placement period – 3 months;
3. 2 years;
4. Minimum% rate – 6,5%;
5. Maximum% rate – 7,35%;
6. Accrual% – daily, monthly;
7. Replenishment - yes, it is possible;
8. Removal in parts – yes, it is possible.

Summary: there is an increase in the rate when opening online, the bank is included in the deposit insurance system, a relatively small minimum contribution.

Bank opening

1. Minimum contribution – 50,000 rubles;
2. Minimum placement period – 3 months;
3. Maximum placement period – 2 years;
4. Minimum% rate – depends on the type of deposit;
5. Maximum% rate – 8%;
6. Accrual% – Once a month (capitalization is available);
7. Replenishment - Maybe;
8. Removal in parts - possibly on the "Free Governance" deposit.

Summary: there is an opportunity to replenish the amount of the deposit, online opening is available.

Alfa Bank

1. Minimum contribution – 10,000 rubles;
2. Minimum placement period – 3 months;
3. Maximum placement period - more than 3 years;
4. Minimum% rate – 4,5%;
5. Maximum% rate – 7.2% on the "Pobeda +" deposit;
6. Accrual% – every month;
7. Replenishment - Yes;
8. Removal in parts - Yes.

Summary: there is the possibility of earning a serious income, but for this you need to make large sum the minimum contribution, up to 3 million rubles.

1. Minimum contribution – 30,000 rubles;
2. Minimum placement period – 1 month;
3. Maximum placement period – 36 months;
4. Minimum% rate – 5%;
5. Maximum% rate – 8,5%;
6. Accrual% – every month;
7. Replenishment - yes, on the "Always at hand" deposit;
8. Removal in parts – Maybe.

Summary: there is an opportunity to make a minimum contribution in several payments, there is a possibility of monthly replenishment.

1. Minimum contribution- 10,000 rubles;
2. Minimum placement period – 1 month;
3. Maximum placement period – 24 months;
4. Minimum% rate – 6,0%;
5. Maximum% rate – 9%;
6. Accrual% – at the end of the contract;
7. Replenishment - Yes;
8. Removal in parts – Yes.

Summary: for opening a deposit via the Internet, 0.25% is added. There is an opportunity to withdraw money and not lose interest.

UBRD

1. Minimum contribution – 1000 rubles;
2. Minimum placement period – 6 months;
3. Maximum placement period – 4 years;
4. Minimum% rate – 5% (on deposits in gold and silver);
5. Maximum% rate – 9%;
6. Accrual% – every month;
7. Replenishment - Yes;
8. Removal in parts – available.

Summary: a small amount of the first installment, the choice of deposits is wide.

1. Minimum contribution – 1000 rubles;
2. Minimum placement period – 90 days;
3. Maximum placement period – 36 months;
4. Minimum% rate – 7,4%;
5. Maximum% rate – 8,3%;
6. Accrual% - 1 time per month;
7. Replenishment - Yes;
8. Removal in parts – Yes.

Summary: the bank increases the rate on deposits for persons who opened it via the Internet and ATMs (+ 0.3%). Also, the percentage will be higher if you payroll client or a pensioner.

1. Minimum contribution – 10,000 rubles;
2. Minimum placement period – 366 days;
3. Maximum placement period – 366 days;
4. Minimum% rate – 6,3%;
5. Maximum% rate – 8,10%;
6. Accrual% – every month;
7. Replenishment - Yes;
8. Removal in parts – Yes.

Summary: we see that the minimum contribution is small, it is possible to withdraw and replenish deposits, and% can also be received every month.

1. Minimum contribution – 1000 rubles;
2. Minimum placement period – 6 months;
3. Maximum placement period – 36 months;
4. Minimum% rate - 7,0%;
5. Maximum% rate – 8.22% (if you deposit 3 million rubles);
6. Accrual% – Once a month or at the end of the term;
7. Replenishment - Yes;
8. Removal in parts – no.

Summary: opening in rubles and in foreign currency is available, you cannot partially withdraw money, but at the same time you can replenish the entire line.

1. Minimum contribution – 5000 rubles;
2. Minimum placement period – 6 months;
3. Maximum placement period – 1 year;
4. Minimum% rate – 7,5%;
5. Maximum% rate – 8.25% (Capital);
6. Accrual% – every month, every quarter;
7. Replenishment - Yes;
8. Removal in parts – Yes.

Summary: the bank's website contains information that deposits are accepted only in rubles, in addition, you can get an increased% if you open a deposit via the Internet. It is permissible to close the deposit ahead of schedule and not lose the accrued%.

1. Minimum contribution – 5000 rubles;
2. Minimum placement period – 1 month;
3. Maximum placement period – 24 months;
4. Minimum% rate – 6,5%;
5. Maximum% rate – 8,6%;
6. Accrual% – everyday (if the deposit "On demand" is open);
7. Replenishment - Yes;
8. Removal in parts – Yes.

Summary: can be replenished open deposits and withdraw some of the funds.

Bank "Ugra

1. Minimum contribution – 100 rubles;
2. Minimum placement period – 61 days (for the "Special Client" deposit)
3. Maximum placement period – 36 months;
4. Minimum% rate – 6%;
5. Maximum% rate – 10%;
6. Accrual% – 1 time per month;
7. Replenishment - Yes;
8. Removal in parts – Yes.

Summary: deposits can be replenished and withdrawn money in parts, initially you can make a small amount.

Uralsib Bank

1. Minimum contribution – 1000 rubles;
2. Minimum placement period – 90 days;
3. Maximum placement period – 36 months;
4. Minimum% rate – 6,1%;
5. Maximum% rate – 9,0%;
6. Accrual% – every month;
7. Replenishment - Yes;
8. Removal in parts – Yes.

Summary: the banking institution offers a wide range of deposits, there is plenty to choose from.

1. Minimum contribution – 30,000 rubles;
2. Minimum placement period – 91 days;
3. Maximum placement period – 720 days;
4. Minimum% rate – 6,5;
5. Maximum% rate – 8,5%;
6. Accrual% – every quarter, at the end of the term;
7. Replenishment - acceptable;
8. Removal in parts – Yes.

Summary: the bank offers a fairly wide choice, when you open it in the Internet bank, the percentage is slightly higher.

Comparison table for all banks

Banking institution	Maximum on deposit	Opening contribution	Withdrawal / deposit options
10%	100 rubles	Yes Yes
9%	1000 rubles	Yes Yes
UBRD	9%	1000 rubles	Yes Yes
9%	1000 rubles	not for all deposits
Promsvyaz bank	9%	10,000 rubles	Yes Yes
Tinkoff Bank	8,8%	50,000 rubles	Yes Yes
8,7%	10 rubles	Yes Yes
8,6%	5000 rubles	Yes Yes
Russian Standard / Sovcombank	8,5%	30 000 / 30 000	Yes Yes
8,3%	1000 rubles	Yes Yes
8,25%	5000 rubles	Yes Yes
Home Credit Bank	8,22%	1000 rubles	no Yes
8,1%	1000 rubles	Yes Yes
Bank opening	8%	50,000 rubles	Yes Yes
7,8%	100 rubles	Yes Yes
VTB 24	7,4%	200,000 rubles	Yes Yes
7,3%	10,000 rubles	Yes Yes
Alfa Bank	7,2%	10,000 rubles	Yes Yes
7,0%	1 ruble	Yes Yes

In the next part of our conversation, we will consider how to properly compare the contributions.

How to compare different contributions

It is clear that the most important indicator for comparison, most people consider the interest rate. But no less important are the indicators that we have already examined in the table above: the ability to withdraw money and replenish the account.

The level of income that you receive on the deposit primarily depends on the rate. If you open a deposit in foreign currency, you will receive less income, if in rubles – more. Interest rates on foreign currency deposits are always lower than on ruble deposits.

Separately, we note that at present, it is becoming increasingly popular to open deposits without visiting the bank's office, online or through an ATM. Some banks offer a slightly higher percentage than the standard for such an opening. We have already written about this in the article.

If you read the recommendations of various experts, they note that you should not give priority to such an indicator as the interest rate when choosing a deposit. It so happens that their high level hides a big risk or completely unfavorable conditions. The rate indicated in the advertisement – in fact below.

There is one more criterion for comparison: the size of the minimum and maximum amount contribution. It cannot be said that it plays a large role, but it is worth paying attention to it, since the minimum contribution is associated with expenditure transactions. Speaking simple language, this means that if you withdraw funds in part, this amount must remain on the account.

You cannot withdraw more than this amount, you will lose everything that was credited. This is especially important for depositors who have small amounts of funds, invest them in order to withdraw the maximum at any time.

Purposes of placing deposits

It would seem that there is nothing complicated: you open a deposit in order not to lose money, to save it, and also to increase its amount. But there are a number of other goals as well. Let's talk about them.

1. Make money.

Do not be surprised, it is quite possible. Banking organizations often carry out actions of a different nature. If the circumstances go well, you can get additional income.

2. Get benefits.

Let's take one of the largest banks in the Russian Federation as an example. It has the following condition: for a person who opens a deposit for a certain amount, preferential terms for mortgage lending will apply. Imagine, there are not so few people willing.

3. Protect your money from inflation.

If you have set yourself such a goal, then you can choose almost any type of contribution - they will all help with this. Keeping money at home in a box is not the best the best way, sooner or later inflation will eat them up, and no one is immune from thieves.

4. Save up for a large purchase.

We all know that there are people who don’t have money in their pockets. They say about such people: give him a million, he will spend it in 2 hours. As a result, it turns out that money is needed for something really serious, but it is not.

In this case, it comes to the rescue. Bank deposit... Moreover, it is better such that it was impossible to withdraw money ahead of schedule. Then it will work out.

Now let's talk in more detail about what deposits are generally available and how they are classified.

What are the deposits

To attract a large number of customers, banking organizations are constantly expanding the range of deposits, adding more and more. We will now consider the most popular types of deposits for us - ordinary people.

All deposits can be roughly divided into 2 categories: urgent and poste restante. Urgent deposits are opened for a specific time, demand deposits do not have a specific term.

Savings.

It should be noted that the highest rates are for this group. In addition, it is not always allowed for such deposits to withdraw money, as well as deposit funds into the account.

Estimated.

Thanks to the presence of such a contribution, you can control your finances, manage your savings. Such a contribution is also called universal.

Accumulative.

Provided for such customers who plan to replenish it during the entire term of the deposit. They are most often used by people who save up for expensive purchases.

Special.

These are deposits that are offered to certain groups of clients. This includes deposits for students, retirees, and so on.

By seasons.

Timed to coincide with a certain season. They often have quite high rates, but there is no possibility of prolongation.

Mortgage.

Designed for those who want to save up on their own an initial fee on a mortgage. They can be replenished, but they cannot be automatically renewed.

Part of the funds or the entire amount immediately after the end of the contract will be used to pay the mortgage payment. Now in the Russian Federation, such a deposit is not found in all banking institutions.

Indexed.

This contribution is classified as urgent and is tied to the change in the value of an asset. An asset can be the dollar rate, securities, precious metals, and so on.

Multicurrency.

The meaning of such a deposit is that funds are stored in different currencies: most often they are rubles, euros and dollars. There is, of course, the opportunity to keep money in more exotic currencies but this is not common.

The main advantage of this type of deposit is the ability not to lose profitability and transfer funds from one currency to another. This is called conversion. As a rule, no commission is charged for it, but the rates here are lower than on other types of deposits.

Baby.

They are opened in the name of a child who is not yet 16 years old. The contribution is targeted.

Numbered.

A person deposits funds on it only in cash. When opening such a deposit, the client can count on the complete anonymity of his account.

How to choose a bank to place a deposit

The choice of a banking organization, which you can entrust money and not be afraid of losing it, will take a decent amount of time.

To make this task a little easier, here are some guidelines:

1. Don't neglect other people's reviews. Check them out, it certainly won't be superfluous. Just pay special attention to those that are presented on the network as a whole, and not on the official websites of the banking organization.
2. Study the information in the media for publications about the bank in a negative way.
3. When visiting a bank, clarify how interest rates work on deposits: if they are too high, this is a reason to be wary;
4. You can use the information posted on the Banki.ru portal. The positive side here is that all the data on the site is presented in simple language, you do not need to be an expert in the field of economics to understand the topic;
5. Find out if the bank has branches and branches;
6. An important criterion for choosing is the bank's participation in the system state insurance deposits. This information is freely available on the Internet, it will not be difficult to find it.
7. On the official website of the Central Bank of the Russian Federation, you can view information related to the reporting of banking organizations. Here the only drawback is that it is difficult for an ordinary person to understand it; the help of a specialist is required.
8. An important indicator is the amount.
9. You can ask about the bank's ratings, they are published by special agencies. Of course, it is difficult to keep track of them, but it is quite possible to use it as additional information.
10. An indirect sign that the bank is not doing well is frequent failures in various operations.

The mistakes we make when choosing a bank

Not always a potential depositor can adequately assess the reliability of the chosen banking organization.

Mistakes, by the way, are the most commonplace ones:

1. Choosing the highest deposit rate... This is dictated by the desire to increase the amount of their funds. If this is all your goal, you better take advantage of the other financial instrument... Very high rates should not attract, but repel the client. Their presence is an indicator that the bank needs funds, it has financial difficulties.
2. Excessive trust in bank specialists... Even if the employee speaks convincingly and beautifully, his words should be supported by something. Stable and reliable institutions provide clients with all the information in the public domain.
3. Opening a deposit in a servicing banking organization... Often, depositors entrust their funds to the bank in which they receive salaries or other types of permanent payments. It is convenient, but you do not need to carry all the money to one institution, it is better to distribute it among several.
4. Following unverified guidelines... The experiences of your friends and family are important, but you don't need to blindly follow them. They are most often based on the opinion of a particular person, and not on the actual state of affairs.

Summing up a small summary, I would like to say that the choice of a banking organization should be approached with increased attention and thoroughness. It is better to spend time looking for the most suitable bank for you than to risk your money savings.

State deposit insurance

Thanks to the introduction of this system, a person can get his money back, even if the bank is recognized or his license has been revoked.

In 2017, deposits up to RUB 1,400,000 were insured. If you have open deposits in several banks and all of these credit institutions filed for bankruptcy, you will receive 1,400,000 from each.

This program also applies to deposits made in foreign currency. The amount in this case will be calculated at the rate that is valid on the date of revocation of the license from the bank. The recalculation is carried out in rubles.

Reasons for refusal to open a deposit

A banking organization, without stating the reason, may refuse to open a deposit for a client.

This does not happen often, and the reasons may be of the following nature:

• Client under 14 years old;
• The client does not have the opportunity to present a passport or other document that will prove his identity;
• A citizen of another state who cannot confirm his right to stay on the territory of the Russian Federation wants to open a deposit.

In the next part of our article, we will take a closer look at 20 banking organizations that have already proven themselves to be reliable. People trust them with their money without fear for their safety. We propose to analyze the lines of deposits that these institutions offer, and then draw a conclusion in which bank it is better to open a deposit.

Personal income tax and deposits of individuals

Most of the deposit programs do not require payment. The tax will be charged only if the level of income exceeds that established by law. But this year, banking organizations have lowered rates on deposits due to the fact that insurance rates have increased. This means that there is no need to expect a high level of profitability.

You may ask: do you need to pay something or not? Let's answer this way: this direction of payments is practically not controlled. If you receive a payment notification, of course make the payment. But if you have not been notified about this for 3 years, you can not pay.

Deposit interest: how to calculate

To begin with, we immediately note that you should not completely trust the amount of interest on the deposit, which is indicated in the advertisement of the banking organization. Before entrusting your hard earned money to the bank, try calculating the interest yourself. You may find it difficult, but we will try to explain in the simplest possible way how to do it.

First of all, you should not completely trust the calculation of the deposit calculator.

They will not show a real result, because:

1. Their functionality is scarce, the calculator does not take into account all the details. Therefore, you can refuse to use it and try to calculate everything manually.
2. Calculate everything before you decide on the bank and type of deposit. This is necessary for evaluating and comparing different offers.
3. If you have any questions, please contact the bank's consultants, they will clarify all the necessary points.

Now let's move on directly to terminology and calculations.

Interest on deposits is calculated in two ways: by the formulas of compound or simple interest. The key parameter in both cases is the interest rate on the deposit.

The concept of% on a deposit is understood as the amount that the bank pays to its client for the use of his money.

The amount of the rate is usually prescribed in the contract, indicate it as a percentage per annum. The rate can be floating or fixed.

If we are talking about a simple method of calculating%, then they are not added to the deposit amount, but transferred to the depositor's open account.

In the second option, the income that is accrued is added to the body of the deposit, it turns out that its main amount has increased, which means that the total profitability is also growing.

Formulas

We calculate interest in the case of simple accrual:

S = (P x I x t / K) / 100, where:

• S - accrued%;
• P is the amount you deposit;
• I - the rate on the deposit for the year;
• t - number of days for which% will be counted;
• K - number of days per year (don't forget about leap days).

Example. Citizen O. opened a deposit in the amount of 200,000 rubles, for a period of 12 months, at 9.5% per annum. The accrual of% is simple. After the end of the term of the deposit, the income of O. will be: (200,000 * 9.5 * 365/365) / 100 = 19,000 rubles.

If a complex interest calculation is implied, the calculation will look like this:

S = (P x I x j / K) / 100, where:

• S - accrued%;
• P is the amount you deposited;
• I -% on the deposit for the year;
• j is the number of days in the billing period;
• K is the number of days in a year.

Example. Citizen O. opened a deposit in the amount of 200,000 rubles, for a period of 6 months, at 9.5% per annum with capitalization. After the end of the term of the deposit, the income of O. will be: (200,000 * 9.5 * 180/365) / 100 = 9369 rubles. (for 6 months).

Currency contribution: nuances

Under the current economic conditions, depositors prefer to keep part of their money in foreign currency. If you are ready to open such a deposit, then remember: if the bank loses its license, the amount of the deposit will be paid to you in rubles.

In addition, there is one more subtlety: the DIA starts insurance payments 14 days after the license is revoked from your bank. And during this time, the exchange rate may rise, so you may lose some amount.

What are the risks of depositors

This is an important question that cannot be left unanswered. After all, everyone knows very well that any coin has two sides: positive and negative. We have already talked about the advantages of opening deposits, now we will discuss the possible risks.

The most common are the following:

• The banking organization was declared bankrupt;
• Personal income tax payment;
• Increase in rates for long-term deposits;
• Liquidity risk;
• Reinvestment risks.

And now a little more detail.

The bank was declared bankrupt.

To somewhat reduce the possibility of such a situation, place your savings in different banking organizations, in amounts not exceeding 1,400,000 rubles. If something happens to the bank, the state will return the money to you.

Personal income tax payment.

This will have to be done only if the rate on your deposit is 5% higher than the refinancing rate. Then you will have to pay, and in the amount of 35% of the excess amount.

Increase in rates for deposits opened for a long time.

If you open a deposit at 9% per annum, for a period of 36 months, and after a year the rate has become 12%, you will lose 3% of your income.

Liquidity.

This risk arises if you terminate the contract early urgent deposit... It is better to open a deposit where funds can be partially withdrawn.

Reinvestment risk.

Let's say you opened a deposit for 6 months, at a rate of 10%. You plan to reinvest these funds. But after 6 months the rates dropped and now you can get only 8% per annum.

To minimize risks, choose a bank carefully.

Fraudulent transactions related to deposits

Recently, the revocation of licenses from banking organizations is a regular matter. But the problem is also that 27 thousand people have applied to the Deposit Insurance Agency with statements that people cannot receive a refund of their funds. As it turned out, there were fraudulent actions with deposits by banks.

What is the essence of such a fraud? It turned out that banking organizations were stealing funds from the accounts of their depositors. Double-entry bookkeeping was carried out, and the person did not even know that he had been robbed. In accounting, the data that the deposits were opened were either not indicated at all, or in a greatly reduced amount: instead of 500,000, only 50 rubles were reflected.

After the licenses were revoked, depositors were faced with the fact that there was no money in their accounts, there was nothing to reimburse.

How to protect yourself from such manipulations? Unfortunately, this is 100% impossible to do. But we recommend that you be sure to keep all the documents in the original: orders confirming transactions, agreements on opening deposits, and so on. And act actively, do not expect the situation to normalize itself.

Follow this algorithm:

• Contact banking organization with a statement about insurance indemnity by attaching the documents that you have in your hands;
• The application from the bank is forwarded to the Insurance Agency;
• The agency registers it and reviews it;
• If the decision is positive, amendments will be made to the register of payments;
• As a result, you will receive your money in full.

Of course, this procedure will make you waste not only time, but also nerves. Although, most likely, the outcome will be positive.

You can also advise to place deposits in banks that are among the largest. This somewhat reduces the risk of license revocation and fraud. But this is a personal matter for everyone, we will not impose anything.

Conclusion

So, our dear readers, now you know how to choose a suitable bank and open a deposit in it. If you place your funds successfully, you will not only save money, but also get income. The main thing is to choose a bank wisely, and it is best to place funds in several stable banking institutions.

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

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

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

Description of important points

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

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

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

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