The most profitable deposits in rubles. High interest deposits - which banks have higher interest rates? "Uralsib" presented the contribution "Cranes"
When a person has free funds, a fair question arises: where to invest it to generate income? The simplest and safest in terms of state protection risk way of generating income - deposits. We invite you to familiarize yourself with the ratings of banks that have the most high stakes on deposit depending on the conditions of deposit programs.
Please note that when compiling the lists, banks included in the TOP-50 were used credit institutions countries in order to exclude proposals from companies that may be in an unstable financial position.
Standard deposits
Standard deposits mean deposits for a certain period of time that do not have additional functions– replenishment or partial withdrawal. As a rule, the rates on such deposits are the highest. The top ten with the best offers looks like this:
Deposits with additional features
Even the most high percentage for deposits in banks with additional options are usually lower than standard programs, but this does not reduce consumer interest in them. Such deposit products are preferred by depositors due to increased access to money and preservation of accrued interest.
Replenishable deposits
TOP 10 banks issuing the most profitable deposits with the possibility of increasing the initial amount, it looks like this:
- RosEuro Bank – 8.5%. Banking product is appropriately called “Replenish”. It is possible to open an account for a period of 91 to 1095 days in an amount of 50 thousand rubles. Monthly interest can be capitalized or used at your discretion. Replenish the deposit by at least 5 thousand rubles. available until the last 30 days of the contract validity.
- Tinkoff – 8.5%. The bank has two rates - 8.5% if it is possible to replenish the deposit only in the first 30 days and 8% if it is possible to increase the balance throughout the entire term of the agreement. The minimum deposit amount is 50 thousand rubles. Size additional contributions not limited.
- TransCapital Bank – 8.5%. Another bank with a high interest rate on deposits is TKB. The “Super Long-Term” deposit product is designed for 6,000 days with the ability to replenish the account at any convenient time. The minimum limit for opening is 10 thousand rubles. Interest payments occur every 400 days.
- Orient Express Bank – 8.3%. Thanks to the Savings Book deposit, a bank client can receive high income for 6-24 months. The agreement is drawn up if there is at least 30 thousand rubles in the account. The amount of payments to increase the deposit must be more than 5 thousand rubles.
- The All Inclusive program requires a minimum down payment of 30 thousand rubles. with the further possibility of replenishing the account for any amount. The deposit is opened for a period of 3 to 12 months.
- Globex – 8.25%. The “Optimal” product guarantees an increase in funds in the specified amount when deposited for 367 days. The initial contribution must be more than 30 thousand rubles, and each additional payment must be more than 5 thousand rubles. Capitalization of interest is possible at the request of the client.
- AK Bars – 8.25%. The deposit account is opened for a period of 91 to 720 days. The minimum deposit amount is 1 million rubles. It is possible to replenish the account, but not more than four times the initial balance.
- BinBank – 8.2%. The contract is drawn up for 91 days with automatic extension on the same terms. Initial payment from 10 thousand rubles. There is capitalization of interest, as well as the possibility of replenishing the deposit for any amount.
- Moscow Regional Bank – 8%. A product with a similar rate is available at MosoblBank. The minimum initial investment is 300 thousand rubles. You can count on the stated rate when signing a contract for 367 days. Bank charges are capitalized or transferred to the client's account. Account replenishment is possible in the first 183 days.
- Moscow Credit Bank – 7,75%. Registration with the proposed rate is possible only through an online application. Starting size the deposit must be at least 1 thousand rubles. The tariff provides for monthly capitalization of interest. Replenishment is possible until maximum limit– 10 million rubles.
Deposits with partial withdrawals
Several banks offer the highest rates on deposits in banks with the ability to withdraw part of the deposit amount (not counting accrued interest). Let's list them:
- Tinkoff – 8.5%. Universal deposit with replenishment and withdrawal of part of money. The minimum deposit amount is 50 thousand rubles. Partial withdrawal in the amount of 15 thousand rubles. possible after 60 days from the date of account opening. Duration from 3 months or more at the request of the client.
- Novikobank – 8.5%. Novikobank offers a program with fixed terms of 184 or 368 days. The initial deposit amount is from 30 thousand rubles. Partial withdrawal is possible if the minimum balance is more than 1.4 million rubles. Interest payments occur every 184 days.
- National Bank Trust – 8.25%. With the “All Inclusive” tariff, you can not only replenish your account, but also partially withdraw money, provided that you maintain a minimum balance (similar to the initial minimum) - 30 thousand rubles. The terms are fixed - 91, 181 and 367 days.
- AK Bars – 8.25%. The bank has quite strict requirements regarding minimum size deposit – 1 million rubles. The contract period can range from 3 to 24 months. The savings account can be replenished, as well as withdraw some money from it, maintaining the initial minimum of 1 million rubles.
- Globex – 8.15%. The “Universal Online” product is only available through an online application. Money can be invested for 6, 12 and 24 months. Initial payment – 10 thousand rubles. It is allowed to withdraw money from the account, subject to maintaining the minimum amount individually specified in the deposit agreement.
- Orient Express Bank – 8.02%. The “Practical” product allows you to withdraw money without losing interest. The amount of the down payment is from 100 thousand rubles. Processing times are 181 and 731 days. After partial withdrawal, the account must have a minimum balance of 100 thousand rubles.
- Absolut Bank – 8%. Absolut Bank offers special program for persons of retirement age. An account is opened with a minimum of 10 thousand rubles. lasting from 91 to 730 days. A one-time partial withdrawal of the amount for the entire period is possible, provided that the minimum deposit amount is maintained.
- Yugra – 7.89%. The “Maximum” banking program allows you to invest from 1.5 million rubles. for a period of 2 to 12 months. It is possible to replenish the deposit account, as well as withdraw part of the money while saving a minimum balance. In addition to this program, Ugra Bank also offers “Managed Interest”, where the minimum initial contribution is 100 thousand rubles, and the duration of placement of funds is 720 days. Replenishment is possible during the first year, and withdrawals are possible starting from 91 days from the date of conclusion of the agreement. The first year the rate is 10%, the second – 5.5% per annum. Interest can be withdrawn at the end of each period.
- Promsvyazbank – 7.5%.Minimum amount deposit – 150 thousand rubles, which can be invested for 367 or 731 days. The deposit can be replenished or withdrawn from it, maintaining the established initial limit. Automatic extension of the contract is possible.
- Credit Moscow Bank - 7.25%. The “Settlement” tariff is issued in the online banking system. The deposit is opened for at least 1000 rubles. You can top up in an amount of no more than 20 thousand rubles. With partial withdrawal cash The initial amount must remain in the account.
Opening a deposit
When the most difficult process is over - the investor has determined where the interest-bearing deposit is more profitable, you can proceed directly to opening it. Most banks, along with registration at the branch, practice submitting online applications.
Often, for opening a deposit account online, the client can even receive a premium to the stated rate.
The only documents you will need are a passport. If the deposit is opened in favor of a third party, then it is necessary to provide his identification documents (certified copies). There are no requirements for the client as such; banks open deposits even in the name of minors.
Profitable placement of cash is one of the ways to receive passive income and capital increase. For money to generate income, it must be managed wisely. In the case of bank deposits effective management money consists in choosing the most profitable deposit for a certain period.
Considering the increasing number of cases of revocation of licenses from banks and their bankruptcy, deposits in an amount exceeding 1,400 thousand, taking into account accrued interest, are risky to place in commercial credit institutions. Short-term deposits can currently be obtained at higher rates.
The best placement of money may be on the following conditions:
- deposit for a period of up to three years with the possibility of early (if necessary) termination of the contract (after a certain time) with preservation of accrued interest;
- high interest rates throughout the entire period of placement of funds;
- daily or monthly accrual percent;
- daily or monthly capitalization (i.e. accrued funds are added to the principal amount);
- replenished deposit throughout the entire period of placement of funds;
- withdrawal of part of the funds without loss of interest and without commissions;
Offers for individuals in banks with regional offices may vary by region. More profitable programs are offered by regional credit organizations, so in this article we present proposals indicating the regions. For pensioners, as a rule, they offer higher interest rates and favorable conditions upon presentation of a pension certificate.
Bogorodsky Municipal Bank
In Moscow, branches offer the most favorable terms for deposits “ Maximum income" There is no provision for adding accrued funds to the principal amount, but the depositor can independently deposit the transferred money. Offer "Autumn" with a lower rate, monthly capitalization and acceptable conditions for early termination of the contract.
Russian Trade Bank (Moscow)
For deposits, “Accumulative” also offers good conditions, but with strict requirements for early termination agreement. Verkhnevolzhsky Bank in St. Petersburg has developed two types of deposits for pensioners: with the possibility of partial withdrawal of funds and without withdrawal with monthly transfer of interest to the current account.
By depositing an amount of more than 300 thousand into the “Pension” for 367 days, a pensioner can receive 12.7% monthly on the current account. He can independently replenish the deposit with these funds or use them for his own needs.
Togliattikhimbank
He offered wealthy investors to place at least 15 million rubles for 367 days. at 13.8% with payments of charges every month to the current account. Amounts exceeding 1.4 million are not insured.
For those who have subscribed to the “Everything is under control” service, in October they will open a “Holiday” deposit account for 300 days at 14% with capitalization every 25 days. At early termination contract, all accrued interest is retained.
Federal banks with state participation
Most older people receive their pension through it. They have the opportunity to add 3.5% to the funds transferred to the “Pension Plus” account and withdraw money up to a minimum balance of 1 rub.
Offers a “Profitable” deposit, the rate of which varies depending on the amount and period of placement of money. For an amount from 100 to 700 thousand, it is profitable to place funds for 181–395 days at 9.85%, from 700 thousand to 1.5 million - at 10.15%. Monthly accrual with capitalization or payment to the investor.
Rosselkhozbank
For pensioners with a certificate, a “Pension Plus” account will be opened at 9% for 367 days and 8% for 730 days with monthly capitalization or payment of accruals. You can withdraw money from the deposit up to a minimum balance of 500 rubles. In case of early termination of the agreement, the terms of the deposit “On demand” apply.
The most profitable deposits offered by banks in 2017
| Bank, region | Deposit, minimum amount/replenishment amount, rub. | Conditions: term, rate, calculation procedure | In case of early termination |
| Bogorodsky municipal, Moscow | "Maximum income", 50000/50000 | 13.80% - 367 days. 14% - 550 days. every month, without capitalization, |
12% after 181 days |
| “Autumn -2017”, replenishable: 30,000 / any amount | 12.5% 1–151 or 1–337 days, and 16.5% 152–181 or 338–367 days. Capitalization every month |
12% 91–180 days 12.5% 181–366 days |
|
| Russian Trade, Moscow | "Cumulative" 100000/ any |
13.42% (370–539 days) 12.80% (540–1095 days), every month |
0,01% |
| “Profitable”, no deposits or withdrawals | 9.45% of 100,000, from 181–395 days. 10.15% of 1.5 million, the same period, every 30 days with addition to the principal amount |
0.6 rates 181 days after opening | |
| Togliattikhimbank, Togliatti | "Solar", | 13.8%, 367 days. every month, replenished | At the “on demand” rate, withdrawal is not provided. |
| Ural Bank for Reconstruction and Development | "Holiday" account 10000/500 first 150 days. |
13–14%, 300 days, every 25 days with addition to the bulk | saving accrued interest |
| Offers for pensioners | |||
| "Pension Plus" account of Sberbank of Russia | 3.5% 3 years, every month with capitalization |
minimum balance 1 rub. | |
| Rosselkhozbank | "Pension Plus" account | 9% - 365 days, 8% - 730 days, every month with capitalization |
minimum balance 500 rub., |
| Verkhnevolzhsky, St. Petersburg | “Pension benefit” 1000/500 | 12.8%, 367 days, upon expiration | withdrawal up to minimum balance 1000 |
| "Pension" 1000-99999/500 | 12.2% 181 days; 12.4% 367 days; every month to current account |
without partial removal | |
When choosing where to place your accumulated money, you should focus on regional banks, many of which have branches in other cities. At the same time, it is wiser to take out short-term deposits, the interest on which is usually higher. The depositor will receive his funds, taking into account accruals in case of bank bankruptcy, if he places no more than 1,400,000 rubles insured by the DIA.
Since May 2016, Bank of Moscow has been operating under the VTB Bank of Moscow brand in connection with the merger of these organizations. For this reason, the information about deposits provided below is NOT CURRENT!
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OJSC JSCB Bank of Moscow is a large metropolitan bank, which is subsidiary company VTB Bank. Was founded in 1994. The Bank of Moscow is engaged in servicing large corporate clients and development retail business. License number - 2748. At the Bank of Moscow, interest rates on deposits are not much different from others major players banking sector. Today, the maximum interest on deposits can be obtained by making a deposit of 1.5 million rubles for a period of up to six months. In this article you can get acquainted with basic information about all types of deposits in this bank: current ones interest rates on deposits, deposit sizes, terms and other conditions, and also use the Bank of Moscow deposit calculator. Contact phone: 8 800 200-23-26 |
Deposits in the Bank of Moscow today
Contribution “Maximum comfort”
The minimum amount to open is 1000 rubles. Depending on the term and amount, the interest rate can reach 7.4% per annum. The terms of the deposit include: capitalization or monthly interest payment, partial withdrawal, replenishment and auto-extension. Important: When opening a deposit through Internet Banking, the interest rate may increase by 0.3% per annum.
| Sum | Term / Interest rate | |||||
| 91-180 days | 181-365 days | 366-547 days | 548-730 days | 731-1094 days | 1095 days | |
| from 1 t.r. | 5.1% | 6.2% | 5.9% | 5.4% | 5% | 4.9% |
| from 200 rub. | 6.1% | 6.4% | 6% | 5.5% | 5.1% | 5% |
| from 550 rub. | 6.2% | 6.5% | 6.1% | 5.6% | 5.2% | 5.1% |
| from 850 rub. | 6.3% | 6.6% | 6.2% | 5.7% | 5.3% | 5.2% |
| from 1.5 million rubles up to 30 million rubles | 6.5% | 7.4% | 6.5% | 6.3% | 5.7% | 5.6% |
“Maximum growth” deposit
The opening amount is 1 thousand rubles or more. The maximum interest on this deposit is 8.05% per annum. Terms vary from 91 to 1095 days. Interest will be paid or capitalized every month. The conditions provide for partial withdrawal, auto-renewal and replenishment. Important: When opening remotely via Internet Banking, the interest rate will be increased by 0.3%.
| Sum | Term / Interest rate | |||||
| 91-180 days | 181-365 days | 366-547 days | 548-730 days | 731-1094 days | 1095 days | |
| from 1 t.r. | 5.1% | 6.9% | 6.55% | 6.05% | 5.9% | 5.7% |
| from 200 rub. | 6.6% | 7.15% | 6.8% | 6.3% | 6.15% | 6% |
| from 550 rub. | 6.65% | 7.2% | 6.85% | 6.35% | 6.2% | 6.05% |
| from 850 rub. | 6.7% | 7.25% | 6.9% | 6.4% | 6.25% | 6.1% |
| from 1.5 million rubles | 6.9% | 8.05% | 7.45% | 6.95% | 6.8% | 6.65% |
Deposit "Maximum income"
The minimum amount to open is 1000 rubles. The investor can capitalize or receive interest every month. There is no possibility of replenishment or partial withdrawal. Automatic renewal is provided. This deposit has the highest interest rate in the Bank of Moscow - 8.35% per annum. Important: When opening via Web-banking, the interest rate may increase by 0.3% per annum.
| Sum | Term / Interest rate | |||||
| 91-180 days | 181-365 days | 366-547 days | 548-730 days | 731-1094 days | 1095 days | |
| from 1 t.r. | 6.7% | 7.2% | 7% | 6.45% | 6.3% | 6.15% |
| from 200 rub. | 6.95% | 7.45% | 7.25% | 6.7% | 6.55% | 6.35% |
| from 550 rub. | 7% | 7.5% | 7.3% | 6.75% | 6.6% | 6.45% |
| from 850 rub. | 7.05% | 7.55% | 7.35% | 6.8% | 6.65% | 6.5% |
| from 1.5 million rubles | 7.7% | 8.35% | 7.95% | 7.4% | 7.25% | 7.1% |
Bank of Moscow - deposit calculator
Having picked up best rates for deposits in the Bank of Moscow today, you can use our special calculator to calculate your deposit online.
Fill in all fields and click on the "Calculate" button. It is important to note that to enter fractional numbers you must use a comma and not a period (for example: 20.2, not 20.2), otherwise the calculator will not work.
Latest banking newsPeople having available funds, often think that it would be nice to “provoke” money to work and make a profit. Accordingly, many begin to study banking offers in order to understand which institution has the most favorable rate on deposits. There are several hundred different financial organizations, but it’s worth noting only those to which people most often turn to make a deposit.
Sberbank
Naturally, first of all, it’s worth talking about how profitable the deposit rates are at Sberbank, which is the country’s largest financial institution.
To receive a stable maximum income, it is recommended to open a deposit called “Save”. It implies the highest rates (up to 5.66% in rubles). What percentage will be offered to the client depends on the amount he wants to invest and the term. Maximum bet offered for deposits from 700,000 rubles and for a period of 3-6 months.
The maximum term of such a deposit is 3 years. But the rate for this period varies from 4.3 to 4.8%. So it is more profitable to arrange it for a short period of time, and then re-open a deposit account at the same rate. It is worth remembering that “Save” deposits do not provide for partial withdrawals and replenishments.
To see how profitable such rates on deposits at Sberbank are, it is worth giving an example of income calculation. If a person invests 700,000 rubles for six months, then at the end of the period he will receive approximately 19,445 rubles as profit. The total average monthly income is 3,304.25 rubles.
VTB-24
This bank may offer a more favorable rate on deposits. VTB-24 has a tariff called “Accumulative”. The maximum rate for clients who decide to open a deposit online is 7.14%! If a person applies to the bank directly for a service, then it is reduced to 7%. Anyway maximum percentage is offered to people who are ready to invest an amount of 1,500,000 rubles for a period of 91-180 days.
However, this bank is even profitable minimum rates on deposits. VTB offers 6% to clients wishing to invest from 100,000 thousand rubles for the previously mentioned period. 100 t.r. - minimum amount. I'm glad that deposit replenishment is available (in the amount of 30,000 rubles). As funds are added to the deposit, the rate also increases.
What is the profit? From a deposit of 700,000 rubles, opened for 180 days, it is 22,741 rubles. And even at this comparatively a small amount You can see an increase in income. What if you invest more money? The maximum amount is limited to 30 million. By investing these funds for a year, you will ultimately earn a profit of 2,136,735 rubles. Impressive numbers. They make it possible to verify that at VTB-24 the rates on deposits in rubles are very favorable.
Alfa-Bank
It is impossible not to pay attention to this organization when talking about favorable interest rates on deposits. On at the moment the most profitable offer is the “Victory+” tariff, offering up to 8.08% per annum! And the minimum deposit amount is only 10,000 rubles. The period can vary from 92 days to 3 years.
The maximum interest can be obtained by placing an annual deposit in the amount of 5 million rubles or more with the Alpha Private service package. The total profit from interest in this case will be 404,000 rubles.
But clients with smaller amounts are also offered good interest rates on deposits. For deposits from 10,000 to 300,000 rubles, they can be 7.12% (when opening an account for a year). If you invest 100,000 rubles, for example, then at the end of the term you will be able to withdraw a profit in the amount of 7,760 rubles. (this amount is obtained taking into account capitalization%).
Gazprombank
When listing offers from reputable financial organizations, one cannot fail to note the tariffs of this institution. The most profitable one is known as Gazprombank-Perspective. The minimum amount for this type of deposit is only 15,000 rubles, and the interest rate is 8%, regardless of the amount of funds invested and the term. Which, by the way, can vary from 91 days to 3 years.
Gazprombank-Dynamichny is also popular. The rate, of course, is less - 7.7%. But there is the possibility of partial withdrawal of funds, account replenishment and prolongation.
UniCredit-Bank
This organization is also ready to offer good interest rates. The best option for new clients of UniCredit Bank there is a tariff called “For Friends”. The minimum amount is only 15,000 rubles. The interest rate depends only on the period for which the client wishes to make a deposit. For 3/6 month deposits, 8.5% per annum is offered. For deposits opened for 368 days - 8.25%.
People who are already clients of this bank can count on the best offers. Take, for example, the “For Life” tariff. This is an offer with increased profitability, which is available to people participating in investment and endowment insurance. An excellent option for anyone who wants to fix it for a long period favorable interest rate. The maximum period is 1,800 days (almost 5 years). The bank offers its clients 10.55% per annum with a minimum amount of 100,000 rubles (the maximum is limited to 15 million). It makes sense to make such a deposit if you have relatively large sum. As an example, you can take 1,000,000 rubles. Having invested this amount for 1,800 days, a person will receive 520,220 rubles as interest payments upon expiration of the period! Really advantageous offer. Therefore, the larger the deposit amount, the better.
UBRR
The Ural Bank for Reconstruction and Development should also be noted with attention, telling about the most profitable deposits in Russia. UBRR offers its clients to issue a so-called savings certificate, the maximum interest on which can reach 9%.
The conditions are more than acceptable. Clients who have an amount of one to two million rubles and the ability to put this money on an annual deposit can count on the maximum percentage. The offer is really profitable. WITH maximum amount at the end of the term, the person receives 177,534 rubles in profit.
Clients with not so much money on hand can also count on good offer. 7.25% is offered for annual deposits in the amount of 10 to 100 thousand rubles. The rate increases to 8.5% if the amount of funds varies from 100 to 999 tr.
By the way, you can issue a certificate for 180 days. But in this case, the rate will be 0.25% less.
Bank of Moscow
In the branches of this financial institution potential clients are also offered a good deposit rate. Best offer known as "Maximum Revenue". Clients wishing to make a deposit at this rate are offered a rate of up to 7.75% per annum. The indicator increases to 8.05% if a person does not come to the branch, but conducts the transaction through online banking.
Interestingly, the minimum deposit amount is only 1,000 rubles. And the period varies from 91 to 1095 days.
The profit, as well as the final conditions, depend on the amount owned by the client and the duration of the deposit period. Average rate on deposits specified tariff is 7.3% per annum. It is offered to clients wishing to make a 3/6-month deposit in the amount of up to RUR 199,999. Thus, by investing 100,000 rubles for six months, a person can ultimately gain 3,650 rubles.
Of course, from an amount of one and a half million, the profit is more impressive. By investing this amount for the same period, a person receives 60,375 rubles as interest.
SKB-Bank
The branches of this organization also offer favorable rates on deposits. Take the “Ordinary Miracle” tariff as an example. Up to 9% per annum! And clients who make a deposit at this rate not only increase their funds. They also make a contribution to the Sinara charitable foundation, to which SKB-Bank monthly transfers part of its income earned from deposits.
The maximum rate is valid for deposits issued for an amount of more than 1,000,000 rubles for a period of 271 to 365 days. For deposits whose account contains less funds, 8.5% per annum applies.
By the way, maximum term equal to 1080 days. But for a given period, regardless of the amount, the rate is only 2.5%. So it is most profitable to make a deposit for a year. By investing 100,000 rubles, for example, at the end of the period you will be able to make a profit of 8,500 rubles.
Rosselkhozbank
Finally, a few words about the proposals of this institution. Special attention deserves new tariff, known as "Investment". Two terms are available - 180 and 395 days. In the first case, the rate is 8.6%, and in the second, 8.75% per annum. The minimum deposit amount is 50,000 rubles, and the maximum is not limited. It can only be issued if at the same time a person buys a share investment funds, managed by RSHB Asset Management LLC. The purchase must be made for the same amount that the client made as a down payment to the deposit account.
If a person does not intend to buy a share, then the “Classic” tariff is suitable for him. This deposit can be opened for a period from 31 to 1460 days in an amount of 3,000 rubles. The maximum rate is 7.95%.
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 with 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.